WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I moved back in  XXXX  of  2016. Since that time there have been   XXXX    attempts where someone has applied for an Amazon.com credit card through Chase Bank in my or my wife 's name. These applications have all used our old street  address.     Each time this happens I 've call ed Chase to indi cate that the application is fraudulent and had the application denied.     I have spoken multiple times to bo th Amazon and Chase customer service indicating that I have no intention of applying for an Amazon or Chase credit card, and  I would like them to deny any application in my name, but both have indicated they can not do anything to help me. They each directed me to the other for help. Neither is accountable for the problem. An  Amazon agent did indicate one time that she would call Chase on my behalf, but it had n o effect.
My business checking account was recently closed without warnings even though I had funds in the account and nearly zero activities on the account. I 've been with Bank of America for the past 3~4 years and suddenly they do this, it 's very strange. They are holding my available funds of {$3000.00} hostage as interest-free loan.
This company XXXX XXXX XXXX started contacting my friends back in XX/XX/XXXX impersonating court officials saying they needed to know my whereabouts. My friends informed me of this the day they called. They were even harassing them about information and gave out my SS # and date of birth, etc. Asking them if that was their info. This company then called me and left a voicemail saying the same thing to me. I called and asked them to send me correspondence on this matter which they gave me no information on and I never received any paperwork on this. Fast forward to the last 2 weeks. My mother has now gotten a call on this and they were harassing her about this matter and then this week, on XX/XX/XXXX they called and left me a voicemail saying they were the court and would be delivering documents to me. I called them back again the next day on XX/XX/XXXX and spoke to someone. He never identified who he was or what company they were. I gave him the reference number I was given from the voicemail and he pulled up the information. He said it was a Bank of America Visa card that I had that was closed by BOA in XX/XX/XXXX. I told him that number XXXX, I did not have a BOA Visa card and to send me written verification on this so I could verify this and keep for my records and my attorney. He then said there was a Bank of America in all XXXX states. I said maybe there is and once again said to abide by the FDCPA and send me written verification or I am going to have my lawyer contact you. He then got all mad and hung up on me. I have had enough of the harassment from this company, if they even are a company. And, if they are, how is it they can potentially ruin people 's lives and reputations with no repercussion? Your help is much appreciated. Thank you.
I did a payoff of my Discover card balance back in XX/XX/2018 through a Home refinance, which was paid directly by XXXX XXXX XXXX ( my home mortgage company. Today, XX/XX/2018, I received an email from Discover indicated that a payment of {$65.00} was within from my checking account as I had a previous auto-payment set up on the credit card account. Knowing that I had paid the full amount of my previous balance off I call Discover and they acknowledged that they had recieved the pay for this account. However, they told the {$65.00} must have been residual interest on my account. I asked how this could since myself and the XXXX XXXX XXXX contacted Discover Card for the payoff amount. I feel this is a direct attempt from this company to extract funds that should not have been added. As a side note I have not used this card in a least three years for and direct purchases.
My normal interest only mortgage payments for XX/XX/XXXX and XX/XX/XXXX were sent via mail on XXXX XXXX, 2015 and XXXX XXXX, 2015. Both payments were stamped on XXXX XXXX, 2015. I received a letter dated XXXX XXXX, 2015 that says they are returning the checks because they can not apply the payments. No other explanation was provided. I sent an email on XXXX XXXX, 2015 to a Bayview representative which serves as a formal QWR. The email was read on XXXX XXXX, 2015. To date I have received no response nor explanation for my payments being returned along with other issues concerning the servicing of my mortgage. My XX/XX/XXXX payment was mailed on XXXX XXXX, 2015 and they have not processed nor returned that payment. I am sending the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments today. 
Bayview has neglected to answer any of my inquiries and I would like an explanation and correction to the accounting of my loan. Bayview continues to report derogatory information to the credit bureaus while I am current on my loan.
I have already issued a complaint # XXXX against Banco Popular but apparently I did n't make my complain clear. You will note on the highlighted sentences from Banco Popular 's response that they said my interest is compounded daily. But they pay the SAME interest of {$120.00} plus some cents monthly. Is that COMPOUNDED INTEREST? I have called numerous times to no avail. People say they 'll check into the issue and call me back, but I do n't hear from them. When I suggested they then return my money I was told the charge to do so would be {$1000.00}. Although a return of my money would be my first preference I suggested since they are paying no compounded interest they could send me what interest already has accrued and then monthly ach the interest since they are not compounding it.
Procollect continues to harass me and defame my name by reporting a negative account that does not belong to me. I disputed this erroneous account and asked for them to send me some validation because I know this does not belong to me. They sent a paper with XXXX different names on it, neither belonging to me. This is a phantom account that they have bought and are now trying to place on me. I will not pay something I do not owe and I am exercising my rights by asking for a proper investigation. Their time is up and this erroneous file needs to be deleted and they need to be held accountable for breaking the law!
The debt collector does not identify himself as a licensed or authorized debt collector. He identify himself as XXXX and the company who is working for, is ; XXXX, XXXX with address at : XXXX, XXXX, Florida XXXX with phone number : XXXX. This company acquired my debt of {$500.00} from XXXX. Because I did n't reach a payment agreement with XXXX XXXX he breached my online privacy and took personal information from my system ( names and phone numbers of friends, relatives and clients ) and he is calling every one of them to talk about my debt and leaving me message with them and recommended everybody to call me and talk to me about my debt obligation.
On XX/XX/XXXX, I sent a domestic wire transfer to Coinbase in the amount of XXXX. Coinbase wire info states wire transfers received by XXXX XXXX  are credited in that day received. The next day I attempted to call coinbase customer support. After being on hold for 1.5 hrs I talked to a representative that stated they could not help and directed me to their online support site to submit a request. 
On XX/XX/XXXX I received an e-mail stating the wire would be returned, and to expect payment with in 7 business days. As of today XX/XX/XXXX. I have not received any return of money and have sent other e-mails to coinbase support in time leading up to today. In addition, on XX/XX/XXXX. I called the bank where the wire transfer was destine for XXXX XXXX XXXX for assistance. They directed me to e-mail XXXXXXXXXXXX. As of today XX/XX/XXXX, I have not received a response.
The mortgage on my home is serviced by XXXX XXXX XXXX of XXXX XXXX XXXX My loan number is XXXX. I was advised by XXXX XXXX that the servicing of my loan has been transferred to Fifth Third Bank ' XXXX, OH. My next payment is due XX/XX/XXXX. I generally pay my mortgage before the due date however it is now XX/XX/XXXX and I have never heard a word from Fifth Third Bank confirming that they are in fact the new servicer. I am reluctant to simply send my payment to Fifth Third yet I need to pay it soon. There is a phone number for Fifth Third however after numerous attempts and countless time on hold I have never been able to reach a live person. To complicate matters further I am selling my home with a closing date of XX/XX/XXXX.
I reviewed my credit report and found that my credit score had dropped by over XXXX points due to a delinquent XXXXXXXX XXXX with XXXX XXXX. I took out this loan in fall XXXX and have received no correspondence or notices with respect to this loan since taking it out. The only email I have is dated XXXX XXXX, XXXX, and it notes that I signed the promissory note for my XXXX XXXX. No further mailings or emails were sent to me, including when the loan became payable in XXXX XXXX. I do n't think this is acceptable given that I was a student at XXXX and had ( and still have ) a working XXXX email address that they could have reached me at at any time. 

The XXXX XXXX XXXX website XXXX XXXX XXXX XXXX ) notes that after leaving school, I should expect to receive important information about repayment toward the end of my XXXX grace period. I did not receive any such information, though they inform me that they had my New York mailing address at the time. The website further notes that in XXXX XXXX, the loan servicer changed and is now XXXX I also did not receive any notice of this change. 

I called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and after being transferred twice and being put on hold for about XXXX minutes, I spoke with a representative of the billing department, XXXX XXXX, who informed me that XXXX can not do anything regarding credit reporting, and that I should speak with the loan servicerXXXX XXXX I then spoke with XXXX ( where I was put on hold for XXXX minutes ) and they informed me that they did not do any negative reporting on me. The negative reporting was done by the prior servicer, XXXX. They recommended that I reach out to XXXX. I do n't yet have XXXX 's contact information and have asked XXXX for this information. I will certainly reach out when I have the appropriate contact, but I strongly suspect that they will tell me they can not do anything because they no longer service the loan. I have googled XXXX and can not find a legitimate looking website for them, and I also see that they have made settlement payments due to poor student loan practices in the past. 

As a sidenote, the credit report notes a phone number for XXXX, the lender, and this phone number is disconnected. Further, there is no phone number on XXXX 's websites for billing-related questions, and it was only after strenuous objections that I was able to speak with a person today. Rather, the default operator response is to direct me to email the listed email address. Both the operator and the billing department representative I spoke to told me they could not give me a phone number, and instead would have to email the address. 

I am now up-to-date on my payments and will continue making timely payments going forward. Given that XXXX and XXXX refuse to assist, and I can not get in touch with XXXX and have never been in touch with them, I am at a loss for what my options are right now.
I took out multiple loans over the course of my 4 year college education. I had no idea how predatory these loans were and the harm I was doing to myself in the long term. When I graduated I owed {$32000.00} between different subsidized and unsubsidized loans. Not knowing what I was doing or what I had set myself up for I defaulted on all my loans and eventually owed over {$63000.00}. I was put on a rehabilitation program and after a lot of time and money, I have my loans down to {$41000.00}. Navient provided no assistance throughout this process and I 'm currently on an income based repayment plan because of a third party company. For years my payment was about {$210.00} and my interest monthly was {$180.00}. I was throwing pennies at this mountain of debt with no end in my lifetime. I imagine this dark cloud of debt hanging over me for the rest of my life. 6 years after graduating college in XXXX, I owe nearly {$10000.00} more than I did.
Contacted Wells Fargo in an attempt to cancel my escrow account for my VA backed home loan. Was told that Wells Fargo will not cancel escrow accounts on VA backed home loans like they will other standard loans and that the escrow account must be kept for the life of the loan. This will tie up thousands of dollars needlessly and is blatantly discriminatory towards US Military Veterans who take advantage of the VA backed home loan offers.
I have disputed public record with Equifax that are not mine. Equifax said they investigated and refused to remove the account but then re aged the original date from the original XXXX date to XXXX XXXX!! I have contacted Equifax and they still refused to remove the account. 

The other XXXX credit bureaus has since removed this account.
I went to XXXX College XXXX. I was told by a school counselor " everyone used XXXX XXXX to pay for school ''. Well now I 'm {$530000.00} in debt to what is now Navient. I do n't have a degree, because after I realized how much money I was borrowing I attempted to pay for school by working XXXX jobs. This did n't even make a dent. I became overwhelmed and left school XXXX credit hours in. So now I have no degree and {$960.00} in loan payments every month XXXX both private and federal ). My co-signer ( my mom ) is taking one of my loans over, which is {$200.00} a month, leaving me with the remaining {$760.00}. For how much I make, that total leaves me with no wiggle room. I have n't been able to have a savings account for years. I live paycheck to paycheck and I 'm still falling behind. My interest rate with Navient is 9.75 % so any money I 'm giving them is n't even lowering my total. For awhile I was on this great plan with them and they lowered my payment to {$250.00} and they lowered my interest rate to 2 %. I made every single payment and felt like I was getting back on track. They made it sound like if I made my payments on time for 18 months straight I would have a lower monthly payment after the program. Well that did n't happen. I 've tried speaking to customer service several times and now it 's to the point where I have too much anxiety to even call them. I dread the phone calls every day. I 've tried to give them as much as I can each month, but it 's never enough. I 've now fallen behind on my federal loans and I feel like I 'm out of options. I would gladly pay my loans if the amount every month was a littler more reasonable.
I created a PayPal account because I needed to sell tickets to an event I could no longer attend. I created the account very easily able to link my debit card to PayPal. When I tried to link my bank account I experienced numerous issues and had to call PayPal ( waited 45 mins on the phone ) for them to have someone link the account for me. 

When the money was transferred into PayPal when I sold the tickets I tried to transfer the money to my bank account. I received an error message saying they could not verify it was me. I then tried using the PayPal app on my phone.. .again, same issue. 

They purposefully make it difficult to transfer money to your bank account to avoid the 1 % fee they charge if you transfer to your debit card. You then have to call the XXXX number and wait on the phone for 45 mins ( at least ) to speak to someone to have them transfer the money to your account. 

This is a terrible company and one that I would suggest get flagged by regulators. All one needs to do is type in " PayPal Reviews '' in XXXX to see the frustration we all experience. If I had another option on XXXX I would utilize that option but they do not give you another option aside from PayPal. 

They purposefully want you to keep money in the PayPal account so that you buy and sell goods using that account. I am beyond frustrated with them and again point you to numerous complaints on the internet to learn what we all know - they should not be in business... I'll even give you the link : XXXX XXXX XXXX
We built our house in XX/XX/XXXX. XXXX sq. feet finished, XXXX sq. feet unfinished basement, XXXX car garage on a XXXX acres. The mortgage was XXXX XXXX and XXXX XXXX. We wanted to finish the basement and the home appraised for XXXX when completed. We took out enough to finish the basement and purchase a rental property ( down payment ). We borrowed XXXX total by XX/XX/XXXX. We were thinking that we were good with XXXX still in equity. Our builder went out out of business by XX/XX/XXXX and left XXXX vacant lots in our subdivision. A new builder came in around XX/XX/XXXX building homes that were listed in the XXXX 's and we owed XXXX. I had an appraisal done XXXX XXXX that came back at XXXX. This absolutely baffled me as we have XXXX sq. feet and the new homes were XXXX-XXXX with no basements. The appraiser said they had to use the comps from MY neighborhood since there were XXXX homes sold in the last 6 months. There are no homes on the comparisons like our home whereas when they originally appraised it in XX/XX/XXXX, they used outside homes. ( All B of A ) The XXXX is now at prime +0 and the XXXX is a standard 30 year mortgage ( XXXX are with Bank of America ). By XX/XX/XXXX We started trying to fix the rate on the XXXX predicting that rates were going to increase and wanted the security of knowing our payment not fluctuating on the market or the upcoming elections. B of A stated that they could n't because the value was n't there. My mortgage was n't backed by XXXX or XXXX so HARP could n't help. I am not a veteran so that was no good. I did n't lose my job or have " loss '' of income so that could n't help. I called them for about 4 years trying to lock in a rate while my months to repay the now XXXX XXXX kept shrinking as it has to be repaid with a max of 15 years. ( my XXXX mortgage is now less than this HELOC ) XXXX HELOC and XXXX on the XXXX ) When discussing this situation, they said the only way would be a modification to the HELOC which would negatively impact our credit. I have no idea why the bank that has both mortgages would want to negatively impact our credit. I am not moving, I just want a logical fixed payment on the XXXX where if I wait until next XXXX XXXX that payment would go from XXXX per month to XXXX per month. Meanwhile, my XXXX is at XXXX and we have 19 years left on it with a monthly payment of XXXX. I am trying to do the right thing by pro-actively searching for solutions for the last 4 years and Bank of America seems to have no options. I know that we can not afford a XXXX mortgage payment and do n't want to lose our home. 
We both have student loans which does n't help our monthly budget but we are paying them down. As of XX/XX/XXXX, we have no unsecured debt, just the XXXX mortgages here and XXXX with the XXXX. We have XXXX car payments. I do n't want to walk away from our home as our XXXX children have grown here and we love the neighborhood. I do n't want to threaten the bank, however it seems as though they are pushing us in a corner. We do n't want to hurt our credit as we both have worked all of our lives to build it and ethically and morally I believe in always paying your debts. Please help.
Wells Fargo continuing it 's racist XXXX discriminatory erroneous racist conduct reporting me delinquent on my mortgage payment to the credit bureaus ( credit report attached ). Fully knowing that I have a toxic neg amortization pick a payment loan that has a minimum of XXXX payment options on it : Minimum, Regular, or 15 year. They also have changed the account number on the same account, and am reporting me delinquent for XXXX separate accounts which really are the same account with a higher erroneous account balance!!! I have also requested that I be provided a copy of the mortgage Note, payoff quote, and verification of mortgage, and a itemized breakdown of my payment options on the toxic neg amortization pick a payment loan, and have gotten No documentation, or communication from them regarding my requests. Racism continuing to spew it ugly head like the high school girls in XXXX, Arizona!!! I 'm getting tired of filing complaint after complaint on their obvious overt XXXX XXXX blatant XXXX discrimination business practices, in addition to their hate crimes, and harassment.
I am continually being called on the telephone from XXXX firm over an alleged {$510.00} debt. I was under the impression Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt.I have fulfilled this balance with two different agencies and I still do not see a update in status. I request this account be deleted because it is not accurateFCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Complete payment history, the requirement of which has been established via XXXX vs. XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
A loan worker calls me two to three times a day and leaves voice mails now they called my work to verify employment for wage garnishment. I have never received a judgment or an letter for garnishment. They have drove to my house an came up the drive they have called me several times a day an have contacted my employer under no legal grounds and are now making threatening phone calls to me I am feeling harassed and I never applied for a loan with this company they sent me a check in the mail.
United Auto Credit has called me multiple times within a  10  minute timeframe.   They are leavening multiple voicemail messages in the same day ; sometime s 15  minutes apart. This will happen even when I 'm onl y one d ay past due.   They are calling any people I am acquainted with and implying that I have a past due debt with them. This is harassing behavior and I need it to stop immediately. I also want to seek action against them.