WillisBack/dataset-financial-user-claim huggingface dataset:
I have been receiving calls threatening to send officers to my work or home, asking to speak to my supervisor so they can notify them of my situation, asking to speak to my supervisors so they can inform them they will be coming to the office to enforce legal action on me, and threatening arrest and lawsuits. I told them to stop calling my work and family and that I would meet them at my house to receive the papers they said were being served. I even gave them my home address and phone number, which I do n't think they wrote down. They eventually interrupted me when I was giving directions and said they know where it 's at. The calls stopped for a while. No one came to my house. I even took some time off work to meet them during the time frame they provided. 

My sister and mother have also received calls from someone claiming to be some sort of subpoena server and that he is trying to locate me because I 'm in a lot of trouble over a debt and that they need to find me to enforce legal action. 

Today I received a call at work on our main line that anyone can answer. It was from XXXX XXXX. He stated he had orders to serve me and would be coming by my place of employment to enforce legal action. He told me if I wanted to avoid this to call XXXX. 

I have received messages on my phone from XXXX XXXX ( and others who do n't leave a name ) w/ Summit Receivables XXXX stating I should have received a letter in the mail and to call them to avoid legal action. 

I do n't know where the original debt occurred. They ca n't tell me anything but the final bill/offer. They say they have none of that information because they 're not with the debtor company ; they are law enforcement. They are n't with the debt company, but they can transfer me to someone so that I can pay the bill in full and avoid legal action. 

I 've been scammed before and this feels like an effort to collect a debt that I 've already paid. I ca n't find anything on my credit report to verify this debt. This group has harassed me with legal action twice now and I want it to stop. I ca n't do anything to pay my debt if I 'm suspended for personal, disruptive calls.
I received a letter in the mail stating there was a change of lawyer on a debt. A few days later I and my relatives received a call from a debt collector. I called back and they were unable to provide me with further information because according to them, the XXXX XXXX they had on file was not the same XXXX. My birthdate and the one on file did not match. A few days after, I received a letter from this same company stating I had a judgment against me from XXXX. I called the company to follow up, left a message and no one has contacted me back. It says original creditor is XXXX XXXX XXXX and charge off date was XX/XX/XXXX I do n't recall having credit cards with XXXX XXXX XXXX. I 'm unable to follow up with the agency because its not me, but I 'm receiving letters from them. I do n't believe this is my debt and would like to clear this from my name.
I tried to refinance my loan to lower my monthly payments due to hardships. My claim was Denied and my house payment was increased to {$200.00} a month and will increase each year {$200.00} each month!
My mortgage has been paid in full. I have a cancellation of debt that has been filed with the court since XXXX/XXXX/XXXX by the original Grantee. The mortgage company has me delinquent since XXXX and is trying to foreclose on my home when the debt has been satisfied. Their attorney keeps sending collection notices.
I have a loan with SETERU INC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and SETERU INC with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX.
Navy Federal Credit Union froze all 11 of my accounts without any explanation in XX/XX/2018 but stating that I would be contacted within 15 business days. After that waiting period and not having heard anything back from Navy Federal, I  decided to contact them myself. I was informed that my accounts were closed and I would be given a reason in the mail but that I could appeal the decision in branch. I went through with the appeal letter and was told again that I would be contacted within 15 business days. I heard nothing for 3 weeks so decided to phone Navy Federal for an update. I was told my appeal was denied and that I could open another appeal and that the reason of the denial would be received in the mail, by me, within 15 business days! This went on for several months with my accounts being frozen causing a chain reaction of payments being returned with Navy Federal still charging me return fees! Prior to this, I had requested that those payments be stopped to prevent this but to no avail of their own! I held 3 credit cards with Navy Federal that were also frozen. Without any knowledge of the status of my account other than assuming they were closed, I decided to close the credit cards and all accounts myself due to the unprofessional nature of Navy Federal. It has been 4 months without any updates of any kind pertaining to my accounts. My credit score has decreased and loan companies that would pull from my navy federal have closed their doors to me due to not being able to debit my accounts. I operated my business 100 % through my business account and this caused huge problems from me that I am unable to recover from. I was told my credit cards were closed which caused negatives hits against my credit score. The damage is seemingly irreversible and never ending. The level of unprofessionalism is unreal and I can not believe that such a reputable credit union would conduct business in such a way towards its own customers.
I transferred funds to my friend XXXX at the end of XX/XX/XXXX through XXXX via my Chase app. The funds went thru ok. I attempted to send money to her again on XX/XX/XXXX. XXXX called me to confirm that she had not received the funds. I called Chase and they said that because the transfer was done before the weekend, that I should wait until Tuesday to check for the payment. When I followed up with XXXX on Tuesday, the funds had still not been deposited in her account. I contacted Chase and they advised that the email associated with XXXX was linked to another debit card, issued by a credit union. I called XXXX and she confirmed that she only had XXXX and had never had a credit union. XXXX informed XXXX that she should delete her XXXX app and set up a XXXX account with XXXX and the money would be deposited into her account - it was not. I contacted Chase yet again and they advised that I need to open a claim - this was on XX/XX/XXXX. I waited the 5 days before contacting Chase again and contacted them today, XX/XX/XXXX. Chase told me they closed the claim because XXXX had not responded to their request for additional information so that Chase could complete the investigation. I called XXXX with myself, XXXX and Chase all on the call. The outcome was that Chase had closed the investigation because XXXX did not respond and that I would not receive my {$160.00} back. 

When I contacted Chase initially, I told them that the transaction showed delivered and I wanted a resolve before the transaction was completed - that did not happen. I checked my account today and the money was delivered to the fraudulent debit card associated with XXXX  email address. 

Neither Chase or XXXX has returned my money, nor does it appear that they will do so. 

I just want my money back as it seems that the additional debt card was added to XXXX XXXX account without her knowledge.
I spoke with this debt collector. I offered to make payments on this collection. He refused to let me set up a payment plan. He said I must make payment in FULL. I can not make payment in full. So I submit this complaint regarding his statement. I offered to make payments and he refused. He is refusing to let me make payments. That being said, I should not have to pay this debt since he refused to let me make payments.
My Mortgage is handle by Seterus Inc. On XXXX 2014 I was granted a chapter XXXX bankruptcy by the court, the mortgage was not included on the bankruptcy, I never missed a payment and I kept paying the mortgage for all the past 10 months, I spoke with Seterus on tow occasions and ask them to please keep sending the monthly statement and they refuse to do so, also need to get access to my account online, I send a certified letter ( see attached ) and they refuse to keep me inform about my mortgage status, so please help me solve this situation, Seterus in a very arrogant way refuses to send the monthly statements and I do n't know what else to do, they even at first refuse to talk to me on the phone and I stated that I understand that the original lien is still accepted by me. 
Thank you in advanceXXXX XXXX XXXX
In XX/XX/2016 Transunion had removed all my XXXX, they remained off for a few weeks, I called transunion as i was disputing inquiries that was my sons anyway, they told me they removed them, later to find out that they appeared back on and added more I called Immediately and told, there is nothing they will do and hung up on me, quote on quote and include that their customer service would not help and take care of the negative inquiries reporting to your credit report. i have exhausted all my fights with this rude company, please can you help me, .. I have a list of what I know they removed and added back, and changed dates Advantage Am Rent BrclysBankDE CBCINNOVIS CBNA CELTIC/CONT CREDCO CREDIT INVES CREDIT PLUS CREDIT PLUS ( AAGAIN MORE THAN ONCE WITH ADDED DATES ) SYNCB/AMAZON SYNCB/WALMRT Their actions should n't have my credit suffer i never received a letter or response of them adding this back on please would n't you help me with this event im a victim of Transunions inquiries issues now they double jammed me
Green Tree Servicing LLC continues to increase our loan amount. The escrow account is used for the payment increase and fail to notified and explain, in writing, the tax accessor of XXXX XXXX tax assessment for XXXX XXXX. Housing in our area has decrease and not increase in value. They will not provide the information on how they calculated the new increase.
Freedom Mortgage bought our loan from some other lender, why don't we get a say in this? 
But the real problem comes with our tax escrow check being held while we are exempt from property taxes. In XX/XX/XXXX of this year we finalized our XXXX XXXX XXXX veterans exemption with our county assessor. In Illinois I am exempt from property taxes. Freedom Mortgage paid the taxes to our county and the county refunded the funds back to them in XX/XX/XXXX, it is almost XX/XX/XXXX now and they are still holding our check! My wife has made approximately 20 phone calls with no real results. She eventually got the " privilege '' of speaking with a manager,  who basically lied to her stated that he/she was going to take care of this and now he/she will no longer respond to our calls! Why would they need to hold my money for over two months? 
This is XXXX XXXX and i have been a XXXX Veteran for more than a decade. I have alot of time on my hands and I will copy and post this complaint to every website out there until I get MY MONEY back. 
Freedom Mortgage, you know how my address, I will be checking the mailbox ... ... ..
Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Someone is using my name, social security number, and date of birth to apply for credit cards.I do not know why anyone would do this, but I have contacted the police to file a police report and I have also placed a fraud alert on my credit report. I have never applied for credit with the banks - I have listed the inquiries. 

Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have contacted Credco in XX/XX/ and today, regarding a hard inquiry from a car dealership in Fl, that was placed on my credit file on XX/XX/, which I did not apply for. An investigation took place, only to come back as, the company who pulled my credit, was from an online application source. I even reached out to XXXX XXXX, and requested a phone call from the Finance dept and the General Manager and no one has returned my call yet as of today. I have documentation all this taking place inside the dealership, based on the email from the salesman. Keep in mind this is in another state, from which I currently live. Since this dealership, had the correct info to run my credit, nothing was done to delete this hard inquiry, but to refer me back to the credit bureaus to submit an identity fraud claim.I am exhausted with this process, because I am being dragged in a circle of lies, with no result.I currently have a freeze on all 3 credit reports due to me being a credit fraud victim. I am seeking additional help from your company, with removing this damaging inquiry from my credit report. Please help me. Thank you
Company calls and does not provide name. It is a robo call that says I will " be sued on my social security number if I do not call immediately. '' I called them back quickly. Original calls receive two years ago from same company claimed it was on an XXXX debt 16 years old, new calls claim its on a Capital One debt 3 years old. When I questioned them, they said yea Capital One took over XXXX. They say I can pay them now or be embarrassed when the sheriff comes to my job to visit me. They used my old married name from 4 years ago and not even my current name so it can not be 3 years old. I do not and never had a card from XXXX. I even pulled a credit report first time they called. Nothing shows up at all for this collection agency nor the creditor that I claim to owe. I asked them to stop calling and they said fine then we will have the sheriff come visit you. They are aggressive on the phone and when I ask questions they say you know you owe money, cut me off mid sentence and tell me to pay. Last time they called me a dead beat.
MY SERVICER, DITECH, FORCED PLACED INSURANCE 8 MONTHS AGO, AND STILL CONTINUES TO COLLECT THE PREMIUM FOR IT, EVEN AFTER I PROVIDED PROOF OF MY EXISTING POLICY IN XXXX ( WHICH THEY ACKNOWLEDGED RECEIPT OF ) AND THEY HAVE NOT APPLIED A CREDIT. I 'VE CALLED 5 OR 6 TIMES TO GET THIS RESOLVED AND HAVE HAD NO LUCK GETTING THE SITUATION RESOLVED.
I have tried to dispute inaccurate information listed on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX FAX XXXX XXXX There are multiple incomplete and inaccurate information listed on my account. I have called both banks they have listed XXXX XXXX XXXX and XXXX XXXX XXXX. They have told me the issue is with XXXX XXXX XXXX and how they are reporting. I do not have any outstanding balances with either banks and have been told by the banks that the account reason being closed that was sent to Early Warning was closed which does not convey a negative situation. XXXX XXXX XXXX give me the run around telling me to call the banks and this is the information the banks give me telling me to call Early Warning because they are putting information that is incorrect, incomplete and deragatory.
Notified three major credit reporting bureaus to place freeze on my accounts due to their false reporting, fraudulent personal data info selling for profit adding to existing problems of improper reporting, identity theft ; list goes on. Used XXXX article site to clink on links XXXX. Answered all questions. XXXX  no problem. XXXX  responded I must submit police report to accept. XXXX Responds can not verify identity. Have had FICO score alert reporting with various financial entities providing that service. Im not unknown though data submitted maybe false. ID theft by XXXX XXXX 14+ years adversely affected credit scores. XXXX covers up for XXXX false info as well By known Criminal ; list goes on. When Public Announcement Id credit freeze avail by law XXXX took advantage being unsuccessful in past ; repeated victimization ongoing. Went through process of providing proof of identity with various entities sending copies of personal documents to be told not good enough. Request my free credit report once a year ; not sent by two or even the three credit bureaus. If I get copy of one ; submit copies of disputes to other two sometimes more  that are involved in smear tactics like Lexis Nexis assisting XXXX XXXX ID fraud. Ive never had XXXX XXXX  yet carried by three people on their policy fraught with traffic violations ; I have none. These are only highlights of ongoing outrageous, egregious ; actionable acts of malfeasance that go unchecked by the CFPB dispute other past complaints. The XXXX   XXXX XXXX XXXX XXXX is of no help. The XXXX State offices and agencies frought with all kind of internal crime and corruption. Do I need to contact President Trump and ask him to assist with these matters? Is the CFPB going to start doing their job to protect US Citizens like they are suppose to or coverup for errant entities adversely affecting our lives. Im in my XXXX year ; the Decline in Decency Of the Gov that is suppose to be of we the people in support Of enrichment of three three credit bureaus is part of the Deep State Swamp we are drowning in.
Collection was allegedly purchased by Midland Funding. On XX/XX/XXXX, {$1200.00} collection was removed from credit file after dispute through credit bureau. Received letter in mail dated XX/XX/XXXX in an attempt to collect {$1900.00} with monthly payments. XXXX online requests have been made to Midland since letter with ZERO response!
I have submitted a previous complaint thru your portal in XXXX with complaint ID XXXX, do to Inaccurate accounts showing on my credit report. I received a response from the company stating that the accounts has been verified that they belong to me which is not accurate.
I was looking on my credit report and found out that a collection agency, Midwest recovery LLc put a collection on my credit report. I have no knowledge of this account and of the creditor XXXX. I would like this collection removed off of my credit report. I have received no information, documents, etc in regards to this loan. This I know is against the FDCPA and recording false infromation on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN FL XXXX COMPLAINT, # 1 MIDSTATE REPORTED PAYMENT OF $ 20.00,XXXX DID NOT HAPPEN, COMPLAINT # 2 MIDSTATE IS REPORTING THIS AS JOINTLY WITH MY XXXX, NOT TRUE, SHE HAD HER OWN INSURANCE. 
COMPLAINT # 3 FROM XXXX/XXXX/XXXX THRU XXXX SERVICE GHARGES WITH NO EXPLAINATION OF CHARGES. COMPLAINT # 4 WIFE ACCOUNT AND MINE ARE REPORTED AS THE SAME #.
Started a car loan application in XXXX XXXX After one month decided not to proceed. In XXXX XXXX my credit was re-pulled twice with XXXX XXXX XXXX XXXX. I wrote XXXX XXXX in XXXX via certified letter to ask if they could please remove both inquiries as they were not authorized. I recieved a letter back from XXXX XXXX that both inquiries would be removed in 30 days. It is now XXXX XXXX and both inquiries remain on my credit report. I attempted to contact XXXX XXXX by phone on XXXX and left a voicemail, but have not heard back. I have tried to reach Equifax on multiple occasions and it is near impossible to speak to a person.
ERC is forum shopping and using an address not on file for me since XX/XX/XXXX to collect on a debt that was paid back in XX/XX/XXXX. My account was opened with a XXXX address yet ERC purposely chose an address which has not been used for 30 years in anticipation that I would not be able to dispute it long distance. Fortunately, my parents forwarded my mail where I intercepted this communication.
In XXXX, I began to experience harassment from Discover Student Loans. I had never received any billing statements or been advised of amounts due. The situation escalated when they began calling my elderly father every day, resulting in considerable distress for him. 
To stop the harassment, I agreed to let Discover extract $ XXXX/mo directly from my credit union account on the XXXX of each month, which they have done since XX/XX/XXXX. They stated that this would stop the harassment calls, but that I would continue to get threatening notices by mail, which I did receive. These notices include threats of turning my account over to a collection agency, even though payments were being made. I consider this to be an additional and unnecessary form of harassment, after agreeing to automatic payment arrangements. 
The most recent payment was removed from my bank account on XX/XX/XXXX. There has never been any problem with my monthly payments. Funds have been available every month, and all payments have been processed as agreed. My records show that this agreement is in effect until XX/XX/XXXX. 
On XX/XX/XXXX I began receiving emails stating that my account was unpaid and overdue as of XX/XX/XXXX, despite the fact that Discover was still removing {$370.00} from my bank account every month. This email harassment has continued almost daily. My phone is showing 30 missed calls from ( XXXX ) XXXX, which is more than ridiculous. I have called Discover,  and was told that I did not have any sort of payment agreement with them. If that is the case, how are they still taking money out of my credit union account every month? I have also sent messages several times per week via their online message center. I have received only generic replies. My online account center shows that the payments have all been made, and my bank statements also prove this. 
I am fed up with this harassment. Discover has failed to correct their error, and I am sick and tired of trying to resolve this matter with them. Their pat response is, Well, you need to call a different number so one of our account specialists can help you. That number is already unattended by the time I get home from work. I am not wasting any more of my time on these incompetent morons. They have had every opportunity to resolve this matter, and have failed to do so. My account is NOT overdue. My payments have been made every month as agreed. I have never agreed to any change in terms or due date, nor have I been advised of any status change regarding my automatic payments.

I am requesting an investigation to determine why my payments are not being acknowledged and/or credited to my account. Im sure Im not the only person who is experiencing this type of unnecessary harassment from Discover Student Loans. This should be a very simple matter to resolve, yet Discover has refused to do so.

Thank you for your assistance.
They have repeatedly harassed and called multiple times per day to obtain payment. 
They would call me and the other borrower on the loan multiple times a day. 
Then marked the loan payment late.
Chase sho ws an equity loan still open when in fact in was paid and closed Still shows delinquent