WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2019, I received a call from XXXX on my cell phone. There was a " robo-call '' message on my voice mail stating that the call was looking for XXXX XXXX, who is my brother. I did not retrieve the message until XX/XX/19. I called the number back on XX/XX/19 for the sole purpose of telling them that I have nothing to do with any debt for XXXX XXXX, and to remove my phone number from their system, and to not make any further calls to me. The first call was placed at XXXX eastern, and was answered by a gentleman who did not, and would not provide his name, nor would he provide the name of the company he was calling from. When he answered my call, he requested my name, and I told him I would not provide my name, that he was looking for someone for whom I have no responsibility for his debt. He asked me to tell him how to get in contact with XXXX XXXX, and I told him that was not my problem. He responded by telling me that they would keep calling until I responded. I again asked for his name and the name of his company, which again, he would not provide. The entire conversation, he was talking over me, so I don't know that he heard anything I had to say, since he wasn't listening. Finally he said " have a blessed day '' twice and hung up on me.

I called for the second time at XXXX XXXX on XX/XX/19, this time I reached a woman I don't recall her giving me her name, but she did tell me the name of the company wad XXXX. I asked her what XXXX  stands for, and she would not tell me, and hung up on me.

I called for the third time at XXXX  on XX/XX/19, and immediately asked for a supervisor. I was transferred to a gentleman who told me his name is XXXX XXXX. He confirmed the name of the company is actually DRS, and that it stood for Direct Recovery Services. I advised him that this was my third call to the company, and that I am calling to advise that I have nothing to do with XXXX 's debt, and I wanted my phone number removed from their system, and I did not want any further phone calls from their company. He assured me that the number was already removed. I went through the entire thing again, asking him to confirm that my number was removed. He confirmed that it was.

Unfortunately, I have had similar issues with accounts that belong to my brother from other agencies, and it takes multiple contacts to actually get my phone number removed. I am filing this complaint because of their inappropriate tactics, they need to respond appropriately when they are called, not talk over callers and refuse to give their names and the name of their company.
On XXXX I received a letter dated XXXX from Penn Credit Corp. on behalf of XXXX ( XXXX ). The {$160.00} amount due was for a service date of XXXX. I immediately called Penn Credit Corp. and told the rep I would be submitting a dispute letter, which I faxed on XXXX, because I felt it was an unfair practice to sent a bill that is approximately 11 years old. With my letter, I included a document showing the statute of limitations for PA is 4 years. On XXXX, I called Penn Credit to follow up on the status of my dispute and was told my account was placed on hold because XXXX sent me a copy of the bill. It appears that by placing the account on hold and sending me a bill instead of dismissing it, they are still expecting payment.
I fell behind on my mortgage serviced by Wells Fargo Home Mortgage after being forced out of my home by an XXXX. I moved back into my home last year only to be very surprised my partner had not paid the mortgage. In order to correct this issue, I hired an attorney to help me apply for a loan modification. I was approved by Wells Fargo Home Mortgage in XXXX 2016 for a trial and new payment of {$520.00}. I was then asked by Wells Fargo Home Mortgage to supply information to clear my title of " recorded liens '' on or about XXXX 2016. Wells Fargo Home Mortgage provided my attorney with a preliminary title report from XXXX XXXX XXXX XXXX. My attorney has a very experienced staff that recognized the liens that Wells Fargo Home Mortgage were asking to be cleared from the title were NOT recorded and were only showing up on the preliminary title report as a possible lien. My attorney obtained lien releases directly from the XXXX County Office of the District Attorney showing the liens on my preliminary title report were in fact released and/or not the correct individual. My attorney forwarded these " lien releases '' to Wells Fargo Home Mortgage and Wells Fargo Home Mortgage has refused to accept them. My attorney then contacted XXXX XXXX XXXX to find out why the lien releases were not accepted and XXXX XXXX XXXX said Wells Fargo Home Mortgage has NEVER forwarded those lien release letters to them. Per my attorney who spoke with XXXX XXXX at XXXX XXXX XXXX, XXXX says the liens in question are NOT recorded and might be able to be released with just a lien release letter. However, Wells Fargo Home Mortgage has to be the one to forward the letters ( Attached ) to XXXX XXXX XXXX XXXX in order for them to consider removing the liens from the report. My attorney explained to me that their office has been trying to explain the situation to WFHM now for two months and we believe the problem comes from WFHM inability to accept anything except what was originally " Wrongfully '' requested by their underwriting. Which is a " recorded lien release ''. This is all part of Wells Fargo 's FRAUD they commit when dealing with people. They manipulate, block and evade correcting a situation that they can solely to impede and prevent people from getting assistance. I am told this is illegal and fraudulent to evade assisting a home owner who has requested assistance. Wells Fargo 's blatant disregard to even look at the situation is evidence of their MASSIVE FRAUD they keep doing to their account holders.
No contract with company. They refuse to send out proof of this matter. When I ask about this account I get a ride response. I do not know about this company they say they are a third party that brought account. I never signed anything with them
On these dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I asked LexisNexis to provide verification and the method of verification of the public record reporting to my file per FCRA. To this date they in violation of the FCRA failed to provide the required information. The record is below : XXXX XXXX XXXX XXXX   XXXX
My XXXX, FL, Bank of America checking account had {$1200.00} withdrawn in XXXX {$600.00} amounts on XX/XX/XXXX. XXXX more attempts to withdraw identical amounts were stopped by the bank. The bank called me and asked if the withdrawals were mine. I said no. Their fraud department reference # is ... ... ... .. 
XXXX XXXX, I opened a new account ( XXXX ) at the same bank and the old account was closed. A police report ( ... ... ... ... ) was made at the XXXX Sheriff 's Office, District XXXX, XXXX County Florida, FTC notified, XXXX credit bureaus notified and 90 day freeze added to accounts, US Postal Inspector notified. 
The bank had sent a replacement ATM card to an address other than mine on XXXX XXXX and my account was charged {$5.00} which I did not notice until XXXX XXXX. That charge was removed from the account and ultimately the {$1200.00} was returned making me whole financially. 
Since the bank records all telephone calls re : replacements, I asked their fraud department for details, such as information that the bank requested in order to send to another address, but was told that only the police could get access to that information. My interest was in knowing what personal information the thief had to enable him and her ( there were XXXX individuals involved ) to get the card so that I could take whatever additional steps were necessary to prevent further attacks. I am still interested in that information. The police said they seldom followed up because it was generally a waste of their time... 
Background Information : Ironically an article on ATM thefts at other BofAs in the area had appeared in the XXXX XXXX XXXX XXXX where card readers were suspected. I had opened my BofA account in XX/XX/XXXX and had never used the ATM card except at the branch where it had been opened - and only for cash withdrawals of {$100.00} or less. I do not and never have used a debit card for purchases. My address has remained the same for the past 28 years and so my initial suspicion was that a reader card had been on the local branch ATM. When asked they said they checked it every morning only. 
I really have no complaint with the bank other than that they sent a replacement card to another person at another address and the only notification I had was the {$5.00} charge followed by the attempted thefts. 
It seems to me there should be a better way of covering potential thefts when replacement ATM cards are mailed to other than the regular address - either a written notification or telephone call in addition to email.
I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and PORTFOLIO RECOVERY made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from ACCOUNT NOW is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time PORTFOLIO tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.
XX/XX/XXXX, U.S. Bank seized my XXXX XXXX XXXX Federal Benefits for me and my XXXX minor dependent children, XXXX XXXX and XXXX XXXX. I listed the amounts below. 

XX/XX/XXXXFederal Benefit Credit- XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit-XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit- XXXX XXXX {$930.00} US Bank seized a total {$1400.00} in XXXX XXXX XXXX Federal Benefits. {$360.00} of that were in overdraft fees leaving me with a negative balance of {$45.00}. This seizure of benefits left me without money for food and medication. 

OnXX/XX/XXXXI called US Banks Customer Call Center and spoke with a supervisor that identified herself as XXXX. I requested that the overdraft fees be waived due to the hardship it would place on me and my family. I repeatedly informed her that taking my entire Federal Benefit would leave me with any means to purchase food for my family nor would I be able to purchase the medication required to treat my XXXX XXXX XXXX. She refused stating that the bank would not waive the fees because they already returned {$280.00} ( in wrongfully assigned overdraft and insufficient fund fees, which XXXX claimed was done as a courtesy ) and three {$36.00} ( {$100.00} ) overdraft fees in the past and would not help me out anymore. 
I asked if the overdraft fees could be returned since they were unlawfully assigned to my Federal Benefits XXXX XXXX XXXX and XXXX XXXX anyway. 

I informed her that my children could ( at that time ) not go nine days without food nor could I go that long without my medication which I need for my XXXX XXXX XXXX, including XXXX XXXX and XXXX due to my XXXX XXXX  XXXX and other XXXX XXXX XXXX. 

XXXX went on to educate me ( her words ) that US Bank would continue assess additional extended overdraft fees to my checking account every three days until the overdraft fees were all paid off. She then said that the bank had every right to take the money regardless of the Social Security Anti-Assignment Act. XXXX went on to say that I should manage my money better and not order pizzas as she could see that I had on the XXXX of XXXX. 

Before the call ended she demanded to know if I wanted her to take off my overdraft protection and I told her yes, I never asked for it. She said that it was automatically provided back in XXXX when I agreed to it, and assured me that my overdraft protection had been removed. 

On XX/XX/XXXX US Bank assigned {$45.00} overdraft fee with an additional {$25.00} extended overdraft fee assigned onXX/XX/XXXX, but did not attach the extended overdraft fee until my XXXX XXXX XXXX XXXX directly deposited into my checking account. 
To date, US Bank has me at {$1600.00} in the negative in overdraft fees.
on my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from XXXX XXXX XXXX accident which happened to me in 2014. i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all three bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance. i would greatly appreciate for your cooperation in this matter. gratefully yours, XXXX XXXX
I made a purchase with my XXXX account, we paid in full but it was reported over 30 days late on my credit report. I have made several attempts to clear this with the company but I couldnt get this resolved. They kept agreeing it was paid in full but they couldnt get my credit report corrected.
I received calls today from XXXX XXXX XXXX, XXXX different numbers from XXXX different states all stating the same thing. 

" Up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process if you call today. Again you have only today to rectify this matter. Please advise. You must call by XXXX today Wednesday XXXX XXXX at XXXX. Again we must hear from you or council immediately no later than XXXX today at XXXX. To be connected to a representative press XXXX now. This is a final urgent message. This matter is private and confidential. If this is not XXXX please hang up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being! audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process .... '' Message received on XXXX/XXXX/2016, XXXX ( XXXX ). Length XXXX seconds. 

This is a print out from my father 's voice mail which is the same that I received. I called this number back and was directed to a male who was very unprofessional. Raising their voice and saying things such as and I quote " If it were me I would get off the couch and pay the bill '' as if to imply that I am just being lazy. These practices are against the law. I have not received anything in writing. Only phone calls threatening legal action. I have requested written documents but have not ever been given anything.
Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX   to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Credit Bureau is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
They had me served at a bogus address so they would win by default they garnished me repeatedly without me noticing. Refuse to send me a statement refuse to tell me how much money they have received or is owed, refuse to notify court & credit bureaus that they have been paid. They also garnished the corporation 's bank account that I am a member in not my personal account not my money. I had no knowledge of this debt never received a bill the hospital failed to bill me or my insurance. I found out about this when I had my identity stolen i found it on my credit report and called them.
My checking account with BB & T requires a $ 500 monthly ACH deposit to remain fee free. The required deposit has been made every month before XXXX without issue. However, in XXXX, the fee was charged even though the required deposit was made in accordance with the terms of the account. After numerous communications, BB & T has apparently decided to reinterpret their own terms, without any amendment to such terms or notice to its customers, regarding what type of ACH deposit they will recognize. I have been charged a {$12.00} fee for XXXX, and BB & T refuses to refund it or admit any wrongdoing whatsoever. I will be ending my relationship with BB & T over this issue, however, there must be consequences to BB & T for their fraudulent behavior.
I filed a complaint about Citi bank credit card, complaint XXXX, it was close by Citibank without me ( the consumer to explain his side of the story. I received two letter from Citibank XXXX XXXX ( Executive Response unit ) XXXX I have been calling once a week for over two months with no return call. Telling again that Big Banks run the world and the consumer are just victims As a Veteran and Senior I am very sorry I fought for the United States to be free and have freedom
*****I DO NOT need this to be resolved, I don't want Wells Fargo to contact me. I just read the XXXX XXXX XXXXXXXX article, and thought I should share my experience as well. I don't want any contact unless Wells Fargo is offering me monetary compensation for the way they treated me. 

Wells Fargo informed me on XX/XX/XXXX, that they will be closing my account due to " fraud. '' I have had no prior notice that my account is being investigated for fraud or has any suspicious activities. 

I am a college student, and I use my bank account to pay tuition and for other living expenses XXXX food, subway fare, school supplies, etc ). I never even bought alcohol with my cards, so I don't understand why they closed my account due to " fraud. '' The only thing remotely suspicious is that my mom just wired me some money for me to pay my tuition, but that's about it. Another reason why is perhaps my mother is XXXX, but she has lived in America since XXXX, and I don't know how that constitute as " fraud '' either. 

I am now banking with a different bank, who informed me that Wells Fargo closing my account is purely their fault, and they would be happy to have me as a customer.
I have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Good afternoon, I am writing to you today as what feels to me to be one of my final options in terms of the situation I have put myself in with student debt. The long and the short of it is that I currently hold three different set of loans ( Private : Sallie Mae, XXXX ) ( Federal : Navient ). Each loan having a sum of {$50000.00} or more. As you could imagine my monthly payments are of unreasonable proportions. My student debt accounts for almost 70 % of my monthly income which leaves a disproportionate 30 % for all other expenses. In recently doing my finances I have discovered that I actually lose on average {$100.00} a month from any saving due to the amount of money I lose to loans a month ( approx. {$1600.00} a month just in student loans! ) I find myself writing because I truly feel a decline in my quality of life and the stress has actually worsened even though my salary has increased periodically since graduating three years ago. Being put in situations where if my job does not pay me on time results in me missing a monthly loan payment is the hardest thing to cope with at the present time. I have quite frankly given up calling the the private lenders because the conversations end with one answer " There is nothing we can do, you already pay the minimum amount. '' I apologize for the long winded explanation but I have attempted to consolidate and constantly am denied, I assume because of the ridiculous amount I owe. I took out these loans at a time where my judgment was clouded by the fact that the only way to receive a decent education and struggle with issues on a more personal level in terms of getting the opportunity to move out of a broken home, I can see now why I took the only option given to me which was taking out student loans without understanding these consequences at all. 

Needless to say I am not coming up with excuses in any way. I have honestly just completely lost home in a decent quality of life and come to terms that my daily actions are constantly determined by the burden of my student loans. I have never defaulted on any of the payments and have made repayment my sole motivator to stay employed and earn an decent wage. I reach out to you to begin a dialogue as to how I can address the issues I am in and how I can move forward to get some form of assistance.
Transunion is reporting a Tax Lien that do not belong to me. I have contacted the courts and they provided me with a letter that stated that they did not provide this inaccurate information to Transunion. Please assist me in getting this Tax Lien removed from my credit file. Also, I noticed that the date on this account is outdated. This shows that Transunion has several violations with regards to this account.
Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.
I have been long time client of HSBC Premier Banking in the US. Apparantly, starting in XXXX of 2016 HSBC started charging me {$50.00} a month for a checking account. I received no notice from HSBC about this change, either USPS or email. They only contacted me once they put the account into an overdrawn status.
I contacted all three credit bureaus regarding fraudulent access to my credit file. I have inquiries which was not authorized. I contacted all three bureaus and was informed that I must contact the companies to remove the inquiries. After I did what I was informed, the companies informed me that they do not have anything in their system with my information. Its ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did the Equifax allow such numerous companies access to my credit acount without prior authorization? I request that each and every inquiry be removed and I request an updated credit report reflecting such changes.