WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by Gurstel Law Firm, XXXX XXXX  XXXX XXXX XXXX XXXX, MN - about an old debt. It was a debt that was supposed to be paid by an employer, but alas it wasn't and was in my name. Regardless, I made a {$250.00} payment towards the roughly {$1000.00} debt. I was going to make monthly payments. 

I did't get a single additional piece of paper - and the agent claims that he called me multiple times ( I don't have any voicemails ). Notably I wasn't EVER notified in writing about the total amount due - or the amount they ending up taking from the account. OR that they were going to garnish the account - never a single piece of paper. How is that legal? 

Today I checked my bank account and they had taken over {$1000.00}. When I called the number the bank suggested the agent mentioned that despite the debt being just {$820.00} they take up to 10 % more to cover additional costs. 2 days before XXXX so there is no chance for me to get this handled or fixed before then. I am left with a sum total of {$27.00} in my checking and {$13.00} in my savings. 

How can this be OK when I had made a large payment to them and made intention to pay AND THEN call because my bank mentions that they can reverse it and you can make payments ( as I was originally intending ) and he said that they wouldn't do that unless I was on state assistance ( food stamps ) This has to be the most backwards, dishonest, misleading company. Not only is it NOT A LAW Firm - its debt collection firm, but they lie to you about the pretense of making payment. i would NEVER had made a payment to him had i known they would have stored hat information and then deducted it from the account later. I now have no money and if I wasn't going to be on state assistance - now I'm going to be - how the XXXX am I supposed to get to work and eat for the next two weeks - obviously making XXXX dinner is out, despite saving up for a month and a half.
Wells Fargo Dealer Services Telephone number comes up as " Data Overage Alert '' -- Deceptive and violation of FDCPA
On XX/XX/XXXX, I was reviewing my account with Citizens Bank online and noticed that a check was cashed that I did not write for a lot of money. In fact the check that was cashed did not look anything like the checks that I have, it had the wrong address and the signature was not even close to mine. I went in to Citizens Bank in XXXX XXXX, Massachusetts to report the fraud and they had me fill out the paperwork. I was told that it would take 4 to 6 weeks to resolve but usually it takes a lot less. I was also told to report it to the XXXX, MA police department. Over two weeks ago, I went in to talk to the representatives at the branch to get an update and they supposedly escalated it. I went in on Saturday XX/XX/XXXX and all I was told was that it is still in works and they are waiting for the other bank ( XXXX XXXX  ) to respond. It has now been over 6 weeks with no resolution in sight. Any help that you give would be greatly appreciated. Thanks.
On XX/XX/2018 I redhead out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the account.
I have been disputing an account XXXXWells Fargo that XXXX as on my credit report. This account does not belong to me. Ive requested for the last two years that XXXX send me proof that this is my debt but they still have not done so. XXXX XXXX does not handle my student loans. Ive spoken to a representative at XXXX/Wells Fargo which is now known as XXXX XXXX that informed me that I do not have an account with them. So which company is XXXX reaching out to, to attain there verification of this debt? According to the Fair credit report act, credit bureaus are to provide proof when a debt is listed as verified and XXXX as failed to do so.
I have a fraud alert on my Equifax credit report. I want Equifax to immediately delete and remove the fraud alert from my credit report. Furthermore, I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, the following phone number isnt my phone number : XXXX.
I have an unverified account from KEYBRIDGE. I had previously disputed this account. I have never done business with KEYBRIDGE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that KEYBRIDGE Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KEYBRIDGE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN PAID IN FULL.
My Case Number was XXXX. I contacted you 'll in XXXX XXXX. The Problem is again with Select Portfolio Servicing. I know we are being overcharged, Since XXXX every year, the Mortgage has increase. We have A fixed Interest Rate. The reason was Taxes and Insurance Increase every year. I disagree! I can prove that we are being overcharged. Probably since Select Portfolio had Mortgage. I Contacted them in XXXX XXXX. When we receive A Letter that our Mortgage was increasing again. I told them and put it in Writing, we will pay our own Escrow. As of XXXX XXXX. And that 's what we have done. Now XXXX XXXX. They trying to say we owe them XXXX and our Mortgage Increase to XXXX. I Refuse to pay them Escrow. Because I knew they were Robbing us, I just had to prove it and I did. XXXX I Paid only Loan and Interest for the whole year. We pay our own Taxes and Insurance. The Company has been robbing us since the Mortgage have been sold to them. The Payment for XXXX Increase to {$1500.00}. That was including Escrow. Principal {$440.00} Plus Interest of {$540.00} Total of XXXX. I Pay XXXX Every Month on time. For XXXX. Put XXXX on the side for Taxes and Insurance. Still does n't equal out to what this Company reason are for keep Increasing every year. I need Help I 'm not convince that the Loan Balance is Correct either. All I should have left on my Mortgage is 12yrs. and the Balance is still at XXXX Something is seriously wrong. I would like my case to be Reopen and Investigated.
I have been banking with Wells Fargo for a number of years and they refuse to increase the amount I can withdrawal from the ATM. Since I opened my account I have only been able withdrawal {$310.00} per day. This limit is too low, especially with me being a long time customer. The website states to speak to a banker or call to have the limit increased however whenever I visited the branch XXXX XXXX to have my limit increased to at least {$500.00} the banker told me it is impossible to increase my limit. Are you kidding me?? Is it because I am a XXXX man or because of how I look automatically keep me with a lower card limit?? I have been married to my wife for 13 years and we go to work everyday to help improve our way of life. Also my wife works XXXX, and has been there for over 10 years, so I know its not impossible to increase my card limit. The banker did n't even check on anything he just automatically said no. Is it because at the moment my account balance was not what he wanted to see?? Also why even have the option on the website if your not able to do. I have had so many issues with Wells Fargo and I normally do not complain but this is the last straw. Even direct deposit cards have a higher limit than that. I really enjoy banking with Wells Fargo but I am really considering switching to another bank. All I want is my card limit increased for ATM to at least {$500.00} given that I have banked there for many years. Is this too much to ask??
Account was flagged for fraud. This account was a account that was opened for a specific reason. The account had very little activity as the reason for opening the account did not play out as soon as I had thought. After I attempted to finally use the account I found that there was activity several months ago that was not from me. The account was flagged for fraud rightfully so but TD never reached out to me to let me know. TD customer service says they tried to contact me via telephone one time but i do not have voicemail regarding my TD account. Several months later when i discovered the issue TD says I will most likely have no actions taken to retrieve the money as it was far to long ( roughly 6 months ). I dont believe I was contacted properly and I do not have a paper trail or voice mail. my complaint is for the lack of effort on a banking institution to contact a customer when fraud is being committed. The money is a small amount but what truly bothers me is the lack of help i received from the bank after being a victim of fraud and robbery.
I have tried for years to get Wells Fargo Mortgage to help me. 
I have had and paid there different law firms to help me. 
In was wrongfully denied a loan modification and believe that I was a victim of the computer glitch, because I have a good income my wife and I. 
We are very hard working people and we need and want to keep our home. Wells Fargo has been so very hard on us and refuse to work with us. 
They just rushed us off the phone or sent us a denial letter telling us they can not help us save our home there are no more options for us. 

We know that we were wrongfully denied and the attorneys basically robbed us.
Pioneer Credit Recovery, ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. XXXX, Continually calling me at work asking after telling them I ca n't get calls like that at work. Attempting to collect a debt ( they say ) but the student loan has been approved for deferment. Will not stop calling me at work, resulting in me getting in trouble with my boss. 
They keep asking me to fax them stuff but I do not trust who they say they are and they refuse to send me anyting.
Dear Company : I am a victim of identity theft due to the XXXX  Data Breach. My information has been breached causing multiple errors and miscellaneaous account transactions to be listed on my credit report, including 12-14 hard credit inquiries. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It appears to be the result of identity theft. 

****Credit Inquiry**** Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all Credit Bureaus, Enclosed are the following : A copy of my Identity Theft Report. 
Police Report XXXX Data Breach Screen Shot Section 605B of the Fair Credit Reporting Act, which requires you to delete the fraudulent information on my credit report resulting from identity theft within four business days. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
My XXXX has seen an increased surge in business over the last 6 month, I am a one man show / XXXX. My company has existed for almost 11 years doing $ XXXX+ annual in sales. Due to increased sales i have hit a production limit and been unable to complete transactions in a timely manner ( typical is 3 days, current is 3 weeks, My fault ), However Paypal has decided that I have issued to many refunds ( not chargebacks, standard refunds amicably done between my customers and me ) and have therefor suspended and closed my account and are holding near $ XXXXUSD hostage. They will graciously allow me to process payments for which they will collect and charge thier fees for but will hold ALL FUNDS for 180 days with XXXX release, effectively forcing me to either close down or finance my business for 6 months via other means while they hold my money and charge me fees on it. This is completely unacceptable and I am pleading for help to have my funds released back to my care. I do not want to save relations with them or utilize their services, I simply want MY money back. please help
In XX/XX/XXXX, I received a copy of my credit report. I noticed that XXXX XXXX had placed an entry on my report and had not previously notified me that they were allegedly attempting to collect a debt from me. This company did not send a dunning letter prior to placing the entry on my credit report. This is a direct violation of my consumer rights. Additionally, it did not allow me the 30 days as mandated by consumer law to dispute the validity of their inaccurate entry. To that end, I disputed this entry to the credit bureaus in XX/XX/XXXX. XXXX, XXXX and XXXX alike stated the account was verified. I followed up with this company disputing the entry they placed on my credit reports. In my most recent attempt at researching this alleged debt, I sent a dispute dated XX/XX/XXXX to Convergent. 

In this dispute, I requested that Convergent provide an agreement that states their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable, verification that this debt was assigned or sold to collector, complete accounting of the alleged debt and name and address of the bonding agent for this collection agency in case legal action becomes necessary. 

Convergent failed to deliver the information, yet they continue to violate my consumer rights with the reporting of this entry. Convergent 's response provided mere screenshots of information that could be very well manipulated and falsely created. 
Also, the screenshots provide no validation to the alleged debt being mine. This item should be DELETED immediately from my reports.
In XXXX I co-signed for a private student loan for my nephew to complete his college degree. He graduated in the middle of the financial crisis and had difficulty finding a job. Because of the financial crisis my husband lost his job, suffered a myriad of issues and I ended up declaring bankruptcy in XXXX. 

All debtors were duly notified and ALL debts were discharged in bankruptcy except my own personal federal student loans form XXXX school. 

In XXXX I started receiving collection calls from Chase for the loan that I had cosigned for my nephew. I sent them the discharge papers from Bankruptcy and the calls stopped. They then sold out the loan to someone else who not only started the collection efforts against me but against my nephew and reported it on my credit report. I again sent the information to the company and disputed the negative reporting on my credit report. XXXX removed it but not XXXX or XXXX, which caused my score to be weighed down significantly, caused credit declines and continues to report on my report. 

XX/XX/XXXX my nephew paid off the loan. Last year when I tried to purchase a home, part of the issue of decline from various mortgage companies was student loan reporting on my credit as a charge off. I requested a copy of my credit report from XXXX and noticed that it was reporting that I owed CHASE XXXX approx. {$8800.00}. 
I contacted my nephew to get evidence that he paid off the loan from the bank. After much back and forth, they eventually sent him a letter this year. While they had received payment, they kept reporting it on my credit report even though it was discharged already in Bankruptcy in XXXX! And the fact that I had to keep disputing this on my credit report and these morons keep telling me the balances are reporting correctly is exceptionally infuriating. They have cost me in thousands in high interest payments and declines in access to credit!
lost my daughters social security number along with mine on XXXX XXXX 2016. filed a police report. they have been replaced, but i would like to get a copy of her credit report just to make sure no one has used it
PORTFOLIO RECOVERY calls 2 -3 every other day but never leaves a message. I looked them up on the web site XXXX and the consumers complaints are that they are a debt collection agency. I have no debt that I owe anyone. Their phone numbers changes every time they call so it 's impossible to block their calls. I 'm frustrated with all the scam/fishing calls I continuously receive every day. When is the government going to start making examples of these companies that completely ignore the Do Not Call registry?
Erin Capital Managment attemted to collect on a 15 year old judgment that I have no knowlege of on XX/XX/XXXX, my son bank acount was over drawn, so when we called the bank we were told that his account was levied due to the joint holder received a levy to be place on account for dept, so Iam angry upset he upset because I had no knowledge of this judgment never heard of Erin Managment, never reived any mail from them and I have been living here for over 20 years and never got mail from them. I have updated credit reports look through old credit report and still coudnt find any information reagrding this Judgment, so I was given a phone number from the bank to contack the superior court officer. I called the officer he told me this was a judment from 2003, gave me the number to contact Erin Capital Mangment so I tried to the phone number was suspended so im getting morre angry because what kind of business phone is suspended.I called the officer back and informed him that the phone number is suspended he paused and said let me try so he did and got the same message I gotten, so told me to call the court house and speak with XXXX the court clerk, and gave me a Dc number. I hung up mad angry. Before I called the court house I tried to look up the judgment on line searched and searched nothing comes up. next I contacted the court house gave her the DC number she put in system she couldnt locate who the original credirtor was, she said its to old to find and told me the same information regarding Erin Capital Managment brought this old dept and gave me the phone number I called same thing suspended, like no information no court no nothing just pay the amount they say I owe from 2003. no way is this legal. I have contact my lawyer and will be sueing them as well.
This issue was NOT resolved. One of the issues was the interest rate. Navient alleges they had to charge the interest rates they charged in the previous years. The used the government regulation as a reason to charge these interest rates they charged. They can do better on the interest rate and the government is not opposed to this. Also their repayment plans are an insult and are set up to make you pay more than you can handle. These plans SHOULD be revamped.
I got invalid interest charges every month although I made full last statement 's balances by the due dates. I have been charges interest since XXXX to XXXX and I contacted customer service many times via email, messages, phones but Citi kept saying it 's valid charges and gave me no more explanation. I still make full payments except the invalid interest charges until the issue is resolved. Customer service specialists were not helpful and they always told me to do sth to avoid charges, but I followed and still be charges appr {$65.00} each month just for interest on zero balance.
This debt was paid off XX/XX/XXXX. ProCollect ( the company ) accepted payment for all debts in their offices in XXXX, XXXX. XXXX XXXX received notice from the company on XXXX/XXXX/XXXX that all debts had a XXXX balance and as part of the agreement, the debt would be removed from his credit report ( proof of this email exchange has been sent to the company 22 times, final receipt was by certified mail on XXXX/XXXX/XXXX. ) After collection attempts continued, the CFPB was notified and a case was opened ( XXXX ). The result of the case was XXXX XXXX would no longer be receiving phone calls from the company and the item ( s ) would be removed from his credit report. The items were removed from the report, then subsequently added back to XXXX XXXX ' credit report. ProCollect has violated the Fair Debt Collection Practices Act and with malice has caused due harm to XXXX XXXX. Representation of ProCollect has not been accurate, nor have they been lawful.
I received multiple private loans from XXXX XXXX in XXXX to attend XXXX XXXX XXXX XXXX in XXXX, TN. Due to medical issues with my son, in XXXX, I filed bankruptcy. My bankruptcy was discharged XXXX XXXX, XXXX. During my bankruptcy, XXXX XXXX became Navient. Since my discharge, I have made multiple attempts to reconcile my student loan debt, including settling several of the loans. When I log into the Navient.com website and XXXX of the settled loans continue to show in a past due status. Another of the private loans, shows current but Navient refuses to apply any of the money paid them to the principal, apply it only to the interest. On the loan detail page, it states that my repayment plan is Full Principal and Interest, yet when I call Navient they state it is in an Interest Only repayment plan. On that same loan, in regards to the repayment, they send me a paper statement that I do not have a payment to make, then but I see on the website that they are expecting a payment. I call to the customer service department and they immediately transfer me to the collections department, who then states that my loans are not past due, so they proceed to transfer me to customer service who continues to be unable to help. I asked to speak with a manager, at which time I was placed on hold, then received a message stating that they were closed.
XXXX XXXX - I sold the home and paid off the home mortgage with the proceeds from the sale. Astoria Federal Savings, held the mortgage and reports the mortgage as being in XXXX XXXX " closed and paid '' along with another paragraph which states, " account paid for less than full balance. '' This statement makes the impression that I sold for less than the balance of the mortgage or via a short sale. This is anything but the truth ... I paid them every penny and have the IRS tax records which easily shows the record. The only negative on the credit report was the XXXX 30 day late payment posted to the account in XXXX XXXX. I 've called them, I 've written them, I 've emailed them and I 've even faxed them ... .and not once have they replied. I 've addressed this with the credit agencies, but the dispute process is XXXX in which is all done electronically so no human has actually reviewed the supporting documentation that I 've sent them. I can not be the only person that has had issues with Astoria Federal Savings. It 's an easy mistake to correct but unfortunately they 're not be respectful and have proven XXXX interest in providing any client service.