WillisBack/dataset-financial-user-claim huggingface dataset:
My employer was contacted by someone representing a  XXXX   XXXX  an attorney asking if I was there so they could serve me with court documents. My employer told them no and then contacted me. I called the number she was given and the person I spoke to was very combative and yelled at me, they told me they had received a judgement forcing my employer to garnish my wages. Later they backtracked and told me IF it went to court they would be allowed to garnish my wages. I asked for validation of the debt and was told no, I had to find it myself. The initial debt was {$370.00} and now they are saying I have to pay over {$1200.00} and when it goes to court I will have to pay court fees and filling fees and my total will increase to over {$4000.00}!    XXXX  the company that currently hold the debt, would n't discuss anything with me and kept referring me about to  XXXX  's office and the person at  XXXX  's office said that everything had to be approved my  XXXX . They kept running me in circles ...
I received a call from Ashton and Weingberg XXXX and XXXX after having advised them to no longer call me unless they provide written verification of the debt they allege I owe. They have provided no verification and are still calling as of today.
Team leader XXXX XXXX  at GMFinancial ( ph XXXX   fx XXXX  email XXXX ) Sent me a email on XX/XX/18 informing me that they see my auto loan is delinquent and informed me of the loan will be charged-off and vehicle repossessed, so I need to call to workout the loan. I emailed back and informed that I will call her the next day and what is the best time to call. So, today I get a text from my mother ( who is not a authorized party and her number has never been a contact number of mine ) stating that a person from XXXX XXXX   phone number called and told her that my loan is past due and they will be repossessing my vehicle. I then called XXXX on the phone who was very rude and asked her why did she release my information and she tried to pass me to another person. Her actions really upset me and this turned into a bad conversation. I asked her a few times why she emailed me to work it out and calling my family but won't talk to me about it. She replied " she is a manger and don't talk to customers '' Then she ask where to pick up the car and she isn't going to help any further then she hung up the phone. Then 30 mins later my fiance 's mother who lives in XXXX, Co. ( my mother lives in Georgia ) called and told my fiance that XXXX from GMfinanical called and told her that I am over 100 days past due and they are repossessing my car and to call XXXX  at XXXX. I called XXXX back and asked her why is she calling people and releasing my information after you just spoke with me and that is against the law. Then she said " please hold '' and never came back tot the line. I called back over 12 times and she didn't answer. Overall, they are calling 3rd parties that are not authorized and releasing my information without my permission.
I have a address listed on my credit report and I have never resided at this residence this is the address that is XXXX XXXX XXXX XXXX XXXX IL, I have been in XXXX tx since 1991
I checked my credit XXXX XXXX score and my XXXX is showing 6 hard pulls that I do not recognize.XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX were XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted XXXX and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.
I have a rush card. They claim to have had a system update 3 days ago which was only supposed to take 3 hours. It 's now going on 4 days and I have no access to my money. I missed worked today because I ca n't buy gas. I need groceries for my family. I call the customer service line and I get hung up on it told to call back. No answers.
I INFORMED EQUIFAX ALMOST 3 MONTHS AGO THAT SOMEONE HAD BEEN USING MY SSN NUMBER AND I HAVE HAD SOME HARD INQUIRIES THAT I DID NOT AUTHORIZED. IT HAS BEEN BOTH EMOTIONALLY AND MENTALLY DRAINING DEALING WITH EQUIFAX AND TRYING TO GET JUST A DISPUTE STARTED WITHOUT THEM GIVING ME THIS PRERECORDED DISCLOSURE ABOUT " HARD INQUIRIES BEING FACTUAL OR I NEED TO CALL THE CREDITOR '' I HAVE BEEN BACK AND FORTH WITH EQUIFAX AND THE CREDITOR FOR MONTHS. ONE IS TELLING ME TO CALL THE OTHER. ITS RIDICULOUS. YOUR GUYS ARE REPORTING INACCURATE INFORMATION WITHOUT BEING ABLE TO VERIFY IT WHICH IS CAUSING MY CREDIT SCORE TO GO DOWN. I KNOW THAT THIS IS AGAINST THE LAW AND I WILL FILE A COMPLAINT UNTIL THIS MATTER IS RESOLVED
I 'm a XXXX XXXX veteran, I applied for a modification to keep my home in which the VA is the gauranter. I feel they turn me down unfairly, I feel they did n't even try. They reveal to me that they went by a scale to determine my financial ability which I do n't think they considerd the details of my modification. Can I request your assistance with this matter? This is my XXXX home an I want to keep it but, I do n't feel I 'm getting a fair chance. Thank you
I have sent 4 dispute letters over the course of 5 months to Experian disputing items on my credit report that is inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
My mortgage used to be XXXX before it was sold to Carrington by XXXX XXXX XXXX. My mortgage went up to {$1200.00} claiming low escrow fund.. 6 months later, went up to {$1200.00} no explanation, I found that my insurance increased, so that was understandable. I am current, I went to pay my {$1200.00} XXXX XXXX payment, as per my statement.. Went online and says Mortgage due is {$1600.00}. A {$400.00} increase with no explanation.
After filing my last complaint with the CFPB, Ocwen contacted me and informed me that I would be able to make three payments of {$460.00} each on the first day of each month for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that if I did so I would be able to get a formal modification. I made these payments. They also took my payment in XX/XX/XXXX for the same amount but added it to an " unapplied funds '' account. 

I tried to make the same payment in XX/XX/XXXX, but my payment was refused. I received a letter stating that my payment was refused because I failed to return a signed modification agreement to Ocwen when requested. However, I have not received any such agreement or request for me to sign such agreement and return it. 

The individual who was assigned to handle my last complaint, XXXX XXXX, will not return my calls. Yesterday, when I tried to make the payment again via phone, someone there told me that they had been trying to get in touch with me via phone and mail. I have not received any phone calls or mail from them regarding this issue except the letter I have described, although they have all of my correct contact information, which I have sent several times. 

I have also tried to call XXXX XXXX, who is mentioned in the last letter I received. I can not leave a message for her. The only thing that happens is that I get re-directed to another " relationship manager '' who simply repeats that I can not make a payment.
Sallie Mae opened 7 accounts for XXXX AND XXXX XXXX where I'm listed as a cosigner. 
The borrower 's mother asked me to cosign for ONE loan. I talked to the borrower over the phone, she asked me some information and said she'll show me the application to sign, which she never did. 
The borrower 's income on the application is {$13000.00} and she got approved by Sallie Mae for a lot more than her annual income. 
False information about me includes my income, my address, my e-mail address ( it's hers ), my monthly mortgage, my citizenship status, my assets, my employer phone number, and in the last application my cell phone number, etc. 
She continued using my social security to obtain loans for herself and, later, for her sister making up information without my knowledge, permission or authorization. 
Sallie Mae is refusing to investigate the fraud, and take me out of the loans they approved without verifying the information. 
There's a lot of made up information about my self that Sallie Mae could've used as red flags to deny further loans.
I made a car payment to USAA federal savings bank in XXXX for {$570.00}, that 's a little above my normal payment. I later found out that the bank applied it to an insurance policy. I 've never taken an insurance policy out through USAA. They are now threatening repossession of my vehicle. They will not find the error, and correct it.
I have a payment that is almost 30 days late. My fault, totally. When attempting to discuss a payment arrangement with Columbus Finance, I was belittled, spoken to rudely, and outright told to " stop talking '' after being asked a question that I assumed he wanted an answer to. I have never been so rudely and disrespectfully treated by any business. Ever. I was told if I did n't call with a payment by Friday XXXX XXXX, my car would be picked up. 
I was hung up on after this conversation on XXXX XXXX, 2016 and now on XXXX XXXX, no one will answer my calls or return them. I have called XXXX times and left XXXX messages with the person I normally speak with.
Received notice that XXXX XXXX XXXX NY XXXX NJ had XXXX violations for {$8.00} each. I have had XXXX Pass for over 10 years with auto payment on my CC. I have NOT received any violation notices XXXX in YEARS as I take the bus into NY every day AND my XXXX pass is on Autopay. If I had received any violation, I would have filled out the bottom to show I have an active XXXX Pass account. 

I have called Alliance One to get copies of these violations. No response at ALL. Alliance One is charging a {$50.00} fee per violation. Now there is a {$110.00} bill for something that is Autopay and I got no notices of violations in YEARS. I want copies of these violations NOT just numbers.
I was in XXXX on XX/XX/2017 and had dinner. Later on I noticed that my credit card had been charged twice for two separate transactions at a restaurant I had dined at. One for {$59.00} ( XXXX  euros ) and another for {$590.00} ( XXXX  euros ). I assumed it was an accidental charge and I called my credit card company - bank of america on XX/XX/2017 to dispute the charge. They agreed with me saying it looked like a mistake and provisionally credited me back the {$590.00}. They told me the restaurant would have 60 days to dispute my claim. I thought that was the end of it but come XXXX I received a letter from the bank that said the restaurant had provided them a copy of a signed receipt for {$590.00} so they sided with the restaurant and charged me {$590.00}. I called and tried to dispute that again since I did not see that receipt or sign it. The only receipt I had signed the for was {$59.00} and I asked them to compare the signatures but they told me that they do not/ can not do that. I even mentioned that this same thing happened to another person at that restaurant, which i learned about after I decided to post my review. I was told that they could not use that as proof to show that is what had happened to me. Essentially since I was there and I gave them my card it could not be counted as fraud, even though I told them I never ordered 20 fixed price meals ( I was with only with one other person ) or signed a receipt for that. After a few more calls I stopped trying because they told me that they could not do anything to help me. I have a copy of the receipts which the bank sent to me as proof and the signatures are clearly different. I'm reporting this a year later because someone just contacted me on XXXX saying the same thing has happened to them at that restaurant.
An unrecognized hard inquiry made by XXXX XXXX , XXXX. on XX/XX/2017. on XXXX   reports.
For the past 8 months since XXXX 2017 I have been writing and sending certified letters to Citi Bank credit card services in regards to an account that they claim to be charged off in the amount $ XXXX.This account in negatively reporting on my credit reports. This is not my account, the debt collector 's has not been able to validate the account. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company. The Citi Bank account in question XXXX, the whole account number is n't reported as well. Thank you
I was an authorized user on my soon to be ex husband 's Amex card. He charged {$270000.00} on the card without the card being present. Three times the credit limit. He will not pay them. Amex has called me XXXX4 times a day demanding that I pay his charges. I told them I was not joint on the card and not liable. They then reported his delinquent charges on my credit report. They removed the info on the credit report when I told them they were in violation of the FCRA. Then they suspended my individual Amex card without notice. I have always paid it in full and have excellent credit. When I called they told me unless I provided financial info including tax records on my soon to be ex husband ( divorce should be final XXXX ), they would cancel my card. I cancelled the card myself. I feel that they have harassed me, violated Federal law and attempted to get me to provide illegal information.
When I logged into my American Express account, I saw that I had a targeted offer. The offer was " Apply for an Upgrade to the XXXX card from American Express ''. The terms of the offer stated that, if I was approved, I would earn XXXX XXXX XXXX points after spending {$3000.00} in 3 months. I met the terms of the offer within this time period, but the XXXX points were not credited to my account. I contacted American Express several times, and each time they said I was not eligible for the offer. I think this is a bait and switch move. If I was not eligible for the offer, then why did American Express target me through my account website. I have a screen shot of the offer from when I logged into my American Express account.
2 Certified lettershave been sent to TRANSUNION # XXXX and XXXX # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XXXX XXXX, 2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE
I do not know what they are referring to because they will not tell me what it is referring to. I am in a Chapter XXXX. But they have called me repeatedly before XXXX XXXX and after XXXX XXXX Then they called my son! He texted me about this and I told him to go on scam alert and see all of the complaints. But now he may get repeated calls from them to get me to contact them. Which I did and nobody would tell me what this concerns me about and why the harassing phone calls. I am afraid they will start calling my work! Which I saw some of the complaints that they did on some of these victims. I am on the Do Not Call List and they are not recognizing that. I have not received a letter or anything on what this is about! They have threatening me on the voicemail that a petition is going to court and I must call them in 72 hours to appeal it. Appeal to what? This phone call happen on XXXX XXXX, XXXX at XXXX XXXX and left a message. Then when I called them today XXXX XXXX I was a little bit upset that they called my son and was told that I must be fully calm or they will end this call. I was firm about what is this call about and they would not answer my question. So I told them I would be filing a complaint. Beware of Clearview Resolution with a phone number XXXX and they use other numbers to call you. They are based out of New York.
XXXXNationstar Mortgage foreclosed on my father 's home at XXXX XXXX XXXX, XXXX CT XXXX & the title did not revert back to the bank until XXXX/XXXX/2015. XXXX/Nationstar Mortgage illegally locked me out of the home from XXXX to current not allowing me to retrieve my personal belongings. I have tried for well over a year to get access to the home by the bank but have been ignored and unacknowledged. 
This complaint is not about the foreclosure itself but about the process that was not followed by the bank to evict my personal belongings. According to the law, the bank forecloses on the real property not the personal belongings inside the house. The personal belongings became a tenant to the house and the bank then would need to file the appropriate paperwork to have the belongings removed. The only person who can remove property from a home is a XXXX XXXX and that is only after ejection paperwork has been filed and processed and approved by the courts. 
I notified the Nationstar 's hired bank representative XXXX XXXX of XXXX XXXX in XXXX CT once I notice they had the home on the market and identified that the property inside the home is mine and I needed to retrieve it. She refused me any access and said she did not know how to get in touch with the bank. I asked her for contact # or email to the bank and she said she did not have XXXX. Immediately the next day I was advised by XXXX of my former neighbors that the house was being unloaded and dumpsters were being filled up ( see pics ) as well there were multiple pick-up trucks loading my property inside their vehicles. 
I again attempted contact with the banks hired representative XXXX of XXXX and she refused to help and told me she did not know how to get in touch with the bank. I said what they were doing was illegal and they had no jurisdiction to take my property from the home. 
In the meantime we were in contact with XXXX XXXX, State Prosecutor for the XXXX XXXX Connecticut XXXX Court who help us initiate an investigation with the XXXX Police for both criminal/civil actions. The XXXX Police have an open case file on this matter ( still open ) and they also have been in contact with all the parties as well. The police advised all parties that no property was to be removed any further from the home and everything was to be put back into the home from the dumpsters. They again were ordered to put all the property left in the last of the XXXX dumpsters back into the house and advise all representatives that there was a criminal investigation going on & that it was illegal to remove it.
On XX/XX/XXXX, I wrote a Check to XXXX XXXX for {$600.00}. It's a preschool. They have a small box to drop the checks. I dropped my check on the box.

The next day, I see that the amount has been deducted from my account but XXXX XXXX claimed that they never received it.

From my online account, I was able to see that someone signed on the back of the check and encashed it.

My bank is XXXX. I filed a Forgery claim with XXXX on XX/XX/XXXX.

I got the affidavit signed by myself and also from the Manager of XXXX XXXX.

I got a response back and this time it includes a response from Well Fargo asking me to get a notarized payee affidavit from XXXX XXXX. I checked with XXXX XXXX and they said they can give a letter with their letter head and but won't go the extra mile to get a notarized affidavit, which business does.

I don't have any options.

I wrote a check to XXXX XXXX. Somebody stole the check from them and encashed it in Well Fargo. Wells Fargo as a bank should not have allowed a check to be encashed which is written to a business. Based on my conversation with the officials in XXXX, Wells Fargo gave cash to someone who encashed the check.

Both the banks are leaving me optionless and CFPB is my last resort. Pls help me
I requested copies of any documents in their files from national account system. After filing a dispute with the bureaus I received a letter saying they verified the debt and updated my file. I then send a letter asking for them to send any documents in their files that They used to verify the accuracy of the account I 'm dispute according to the law. I have that right to request. I also demanded that the account be properly verified or removed. They never verified or send the requested information that I send certified with their signature. So I send a letter to credit bureaus and the original creditors XXXX send a document of last activity XX/XX/XXXX-XX/XX/XXXX. They re aged my account and is still reporting.
Debt was removed from Credit Report on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.XXXX XXXX XXXX keeps reaging debt and refuses to send validation as requested in writing. They are in violation of FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ). They are required to notify me of the reinsertion in writing within 5 business days since debt has been deleted from my consumer file on several dates.
I placed a call to Macy 's on XXXX XXXX in an attempt to make a payment. The associate told me that Macy 's was undergoing maintenance at the time. I tried to leave my information with the associate to input once the system was running again. This request was declined. I stated a concern about a late fee, due to Macy 's inability to process a payment. I was assured that this would not be an issue, as it well known that the system is undergoing an overhaul. 

I received a bill in the mail with a {$27.00} late fee included. I called to make my regular payment and dispute the late fee. When I spoke to associate XXXX XXXX, he refused to discuss the matter until I paid the misapplied late fee. I asked him multiple times to speak to a supervisor, and he denied my request each time. 

I called back and got through to Supervisor XXXX XXXX. She insisted that the conversation that I had on XXXX XXXX was with an automated message, not an associate. I told her that I indeed spoke with an associate, and I relayed the information that the associate provided. 

I have already set up autopay, and I have no issue making all of my payments. However, the late fee is a direct result of Macy 's being unable to process the payment XXXX XXXX, 2015. My credit rating is very high because I honor my payments. This {$27.00} late fee should have never been applied, and I am requesting that it be removed immediately. 

Thank you, XXXX XXXX
I have been a Bank of America customer since XX/XX/1988 before they bought out XXXX XXXX. Yesterday I received a check for proceeds from a land sale in XXXX County XXXX. The check was from a licensed XXXX escrow company in the amount of {$5800.00}. I deposited the check to my savings account via their mobile banking system on my phone. I received a notification that there would be a 10 day hold on this check. I have a problem with this because, according to the Federal Reserve, funds are verified within1 to 2 business day. The bank has access to my money long before I do. I spoke to two representatives at the XXXX Contact Center who said, 'sorry, nothing we can do. '. This was not some fly-by-night transaction involving a personal check. I take exception to B of A holding my money while they 'verify the funds. '. They also declined to give me their Headquarters location or a phone number, which I did find myself and have emailed the CEO of B of A. Once upon a time, check holds were quite common due to inefficient methods of verification but that changed quite some time ago and funds are cleared through one major clearing house. I find this totally unreasonable and unfair.