WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015, 21st Mortgage Company hired a third party subcontractor to illegally evict me and my XXXX children without a court order, then destroyed and illegally seized all of our belongings. 21st Mortgage Company failed to file and serve the proper notice. The subcontractor, intentionally causing emotional distress, anguish, anger, fear of an arrest, frustration, humiliation, embarrassment, when he purposely lied to the XXXX County Sheriff Department, purposely created a hostile environment. When I notified 21st Mortgage Company, unresponsiveness, unsuccessful attempts and due to our homelessness, caused me to XXXX. The subcontractor 's deliberate malicious destruction of my property, intentionally reported to the sheriff 's deputy that I was trespassing.While I was removing my property from the home, after being told by 21st Mortgage Company that they would give prior notice. My youngest son and I was forced to watch the subcontractor and his workers steal everything WE own, forced to watch them take away the memories of my family, throw my property on the back of truck. 
The subcontractor lied and information was not disclosed clearly and it was misrepresented. The mortgage company 's unfair business practices, stealing everything I own, selling the property with my ceiling fans and light fixtures, I need help getting my property back, due to their deceptive practices. The mortgage company was completely aware of my situation, I also notified their attorneys, and they have refused to investigate my claims, respond to my complaint filed through their internal website. I did not abandon my home, my home was still filled with my furniture, this was not an abandon property, lighting struck my air conditioning unit, I did not have the money to get the unit fixed, did not have the money for utilities, nonetheless the property did not meet the criteria of an abandon property according to SC State Statue. Please send me an email address to send copies of my records. I look forward to your reply and a resolution to my problem.
I have a loan with XXXX XXXX. 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 Equifax and XXXXXXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 and XX/XX/2017 XX/XX/2017
The Mortage company failed to pay off my taxes in XXXX XXXX. I sold my home in XXXX XXXX, XXXX. The Mortage company Faye Servcing added on $ XXXX worth of fees on my account. Refused to tell me what they were for. To date the company is refusing to call me back, or follow up with me about my Escrow Refund of almost {$1000.00} I call them almost everyday for the last two months and only thing they said was the check should went out XXXX XXXX, XXXX but its just sitting there we will follow up within 48 hours and get the refund out to you. Now overtime I call they tell me they have to transfer my to my old rep or a supervisor who I also spoken with in beginning of XXXX who both stated they would get back with me within 48 and to date no money no refund. This company needs to be sued and I am further turning to over to an attorney for results and the way that I was and have been treated unfairly and violation of federal laws they have. broken to me. property address XXXX XXXX ga XXXX My account manager is very rude and sarcastic with me when I call. They just dont give a care
My mortgage was recently sold by XXXX XXXX  to XXXX XXXX  in late XXXX early XXXX of 2018. I had previously been working with XXXX to remove my PMI from my loan. After my mortgage information was transferred to XXXX I called them to continue the process of removing my PMI. However, XXXX informed me that due to my contract with them that I will have to pay PMI for the full term of my loan no matter what my principal balance. I'm willing to pay for an appraisal to prove that my house is worth 80 % more than my principal balance however XXXX told me that regardless I would be stuck paying PMI for the full duration of my loan.
I really ca n't tell anything but I get call for from some company said that I old them money.well for one stop trying to mess up my credit report.
I am submitting this complaint because Bank of America has issued a false report to something called XXXX XXXX XXXX. I had no knowledge of any fraudulent activity nor have I indulged in such activity. I actually drove to the state of Florida to get this resolved because there is no Bank of America in XXXX, Al. I went in to make a deposit into an open account only to find that they would keep my {$500.00} deposit until they investigated if I owed them any funds and if I did not then they would release the hold on my account and send myself a paper check because that particular account had to be forced closed. I attempted to open a new account at XXXX XXXX only then did I find out that due to Bank of America placing me in the system with some type of fraud alert attached to with my name and social, I can not open an account anywhere. I received my {$500.00} paper check from them about a week later and they still never lifted the report. I have been deprived for almost a year of opening a real account with any bank. I would like for this to be removed if you all will be able to help me in any way ... Thanks
XXXX XXXX, I REC'VD A XXXX FROM PINNACLE CREDIT SERVICES OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, XXXX XXXX XXXX WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT PINNACLE WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED
Given the recent news about Equifax having been hacked of millions of personal identity files for many or not all citizens and residents in this country, I contacted the XXXX XXXX XXXX website to review my credit reports. With XXXX the process went through quite easily. For Equifax and XXXX, after answering their specific security questions successfully, the message received was that each could not provide access to my credit report online. For Equifax one was requested to print out a PDF form, fill it out, and then make photocopies of a series of personal identity documents with enlarging of some of these if the print was small. Then one was was supposed to mail this packet of highly sensitive personal identity documents to a postal address in XXXX. For XXXX, there was the request fill out a form, but no visible link to such a form so that one could fill it out. Also, the report that a number of executives of Equifax selling their stock shares in that firm before the public was informed of the security breach is major strike against the these people and this firm. I know this nation is facing major issues on many fronts, but the credit reporting industry impacts essentially all American citizens and residents and now in a potentially very damaging manner. I recommend a Congressional investigation and the charging of the specific Federal agencies with oversight to seriously examine the capacity, competence, integrity, and key business models of the credit reporting industry. XXXX apparently does manage its business model in a competent manner. For Equifax and XXXX, one has to have questions about these key issues. Finally, there is also a fourth firm, XXXX, that one was recommended to contact in a XXXX XXXX XXXXXXXX article of Saturday, XXXX XXXX, 2017, Business Day, pp. B1, B5.
I THINK YOUR BANK HERE IS DOING SOME FRADULENT TRANSACTIONS WITH MY ACCOUNT, FOR THE LAST TWO MONTH I HAVE HAD ALL OF MY XXXX SOCIALSECURITY CHECK TAKEN TO THE LAST PENNY.IM A WIDOW AND IM XXXX WITH XXXX, .THEY ARE LETTING XXXX RUN MY ACCOUNT SEVERAL TIME IN EACH MONTH SO THAT THEY WILL GET THE FEE PLUS XXXX WILL GET THEIR PYMT.IT ONLY ONCE A MONTH I PAY THEM AND I DIDNT AGREE FOR THEM TO TAKE IT OUT OF MY BANK ACCOUNT EACH MONTH.NOW THIS WILL BE 2 MONTH I HAVE HAD TO GO WITHOUT MEDICATION OR FOOD OR BILLS PAID.THEY ARE RIPPING PEOPLES OFF HERE THROUGH YOUR BANK AND IM NOT THE FIRST ONE .IM HAVING AN ATTRONEY SUE.I WANT MY ACCOUNT CLOSE WITH WELLS FARGO AND THEY SEEMS TO DONT WANT TO LET ME CLOSE OUT MY ACCOUNT.I HAVE OPEN AN ACCOUNT WITH ANOTHER BANK AND HAD IT CHANGE BY THE XXXX PEOPLES AND IT WERE NOT CHANGE THROUGH WELLS FARGO.THE GOVERMENT IS IN THIS WITH ME SO ARE FOLLOWERS OF THE SAME THINGS HAPPEN TO THEM.
They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX, XXXX , Florida . XXXX
. When I requested the same information from the XXXX XXXX XXXX Business account which was over 7 years old they provided the information that I needed, and I was n't responsible. Therefore, I naturally requested that same information from XXXX XXXX upon closing the account. XXXX XXXX customer service/debt collectors continued to resist providing any information regarding ownership of the business account. XXXX XXXX provided, no letter 's, nothing on federal guideline facts. I 'm now just being informed of this federal guidelines fact on Friday XX/XX/XXXX, why was n't I informed of this fact upon on closing of the account? The reason I decided to stop using XXXX XXXX was poor customer service from your global locations, and it 's had to find places that take XXXX XXXX in XXXX. XXXX Dollars debt I paid that immediately when that showed up on my credit report. I yearly use and pay of XXXX-XXXXK Dollars in Credit. I pay my bill 's on time and I have an impeccable payment history. I will not stop, until this it 's been removed from my credit profile, and that has to happen immediately, if not I shall seek compensation. CFPB Ref No : XXXX Ref : XXXX Subject : Your XXXX XXXX XXXX Business Credit Card Ending in XXXX Account Liability Credit Reporting Dear XXXX XXXX, Account Liability We are required to retain copies of applications for a period of 25 months according to federal guidelines. Our records reflect that your account was opened on XX/XX/XXXX. Therefore, we are unable to provide a copy of the application you submitted for this account.
They called, I told them what I could financially do but, they would not accept that and then I wrote to them. I told them I am XXXX and I make little money and I 'm XXXX. They wanted a c/c number but, I do n't have one and I told them I would not give them my debit card for payments as the would take it all and leave me with no food. They call XXXX to XXXX times a day. My voice mail identifies my number as a Do Not Call Number with a warning of being reported. They do not leave a message. I have been ill in the hospital and they continue to ring my phone off the hook. I do owe XXXX and I laid out what I was prepared to do and yet they continue to call. I have sent them XXXX already but, since I 've been ill in hospital with having to take a taxi back and forth to the Dr I do n't have the cash right now and will make another payment via USPS ( post office ) and I will make another and so on until the debt is satisfied. Just stop them from bothering me.
in 2015 I went to buy a car and I inquired the credit often without my permission, I request the removal thereof. these reports are in TransUnion, XXXX, XXXX
So the day of XXXX XXXX,2017 I went to withdraw a somewhat big amount but was denied and the lady behind the counter told me was blocked and probably said it could be because you made a small purchase at. Such place then a big might still be processing and they 'd think that 's sketchy and I thought that was all bad so she gave me a number where tocall and I did got told that it will be closed did n't say a reason and told me I could withdraw my balance yet o went back to the branch and was told no I could not and they too called for it and I was like well I spoke to one she said I could withdraw he said no until it 's reviewed then it 'll be assign to someone and you can then call and see what is going on.
I think, not sure, I have a medical bill that went into collections on XX/XX/2014 with XXXX XXXX XXXX XXXX in the amount of {$25.00} and {$84.00} for XXXX XXXX. I have never received a bill from XXXX XXXX  and do not dispute it. I'm simply trying to pay off this debt. if and when I finally get through to this office. They are rude and abusive to the tune of " why did it take so long '' and " whats my problem ''. I looked up this Michael Harrison on the internet and XXXX and found I am not alone with these complaints and I am not truly secure with paying them through the mail or if I do that this will be expunged from my report. I simply want to pay the bill if it is in fact mine. How do I go about this? Their staff is extremely rude and I do not feel that as a senior I need to be abused in such a manor for simply inquiring about this {$110.00} so called debt.
Today, XX/XX/XXXX, I spoke with a representative from AES. We discussed options for natural disaster forebearance and later loan repayment options. I told her that someone called me yesterday, XX/XX/XXXX, and said I needed to use their services to consolidate my loan and get loan forgiveness if I made 3 payments. I started the process and went through the security questions. After which, I did not complete the call because my phone battery died. When he called back, it died again so he texted me repeatedly. I finally called him and there was no answer. He called me repeatedly again and when i did n't answer, started sending me threatening and inappropriate and unprofessional text messages which I have documented and sent me a screenshot where he had disabled my FSA ID so that I can not access my account. He continued sending me inappropriate texts and I did not respond any further.
On XX/XX/XXXX I called Citizens bank to change the auto-debit checking account number associated with my payments ( I recently moved from a XXXX XXXX checking account to one with XXXX XXXX XXXX XXXX ). During this call the representative instructed me to setup an new account with their online payment portal linked through their website. After completing this setup the representative confirmed I was good to go and payment would now be deducted from my new checking account ( with XXXX XXXX XXXX XXXX ). On XX/XX/XXXX my payment, {$540.00} was deducted from both my XXXX XXXX and my XXXX  checking accounts and both payment appeared on my loan account with Citizens Bank. As I was on vacation I was unable to call until XX/XX/XXXX when they told me I had to wait until Tuesday to even file the claim and then it would take 7-10 business days for the claim to go through and them to MAIL me a check, this is after they insisted that the transfer was not an auto debit despite me not ever logging into my account or calling them since the XX/XX/XXXX call.

Citizens Bank took {$540.00} from a checking account they no longer had a right to access and insist that they can take weeks to refund the money, this is unacceptable as I was expecting that money to be present in that account. I escalated to a manager but they insist they are unable to do more, to date all I have received notice of is that the claim has been filed, this is at 4 days post notice and 15 days since the unauthorized transaction.
We recently filed a complaint with our mortgage company and how they were overcharging us for escrow. They submitted their response and are changing the payment. However, we believe the payment should have been adjusted back in XXXX ( XXXX XXXX ) when the new Homeowner 's policy went into effect. As such, they partially overcharged us for XXXX and fully overcharged in XXXX. Again, I tried to contact them before the XXXX payment was due to no avail ( being on hold on two separate occasions for over 45 minutes ). As such, we paid the old payment of XXXX in XXXX and XXXX. XXXX mortgage should have been XXXX versus the XXXX we paid. As that difference did not go towards principal, and we are not seeing it in our escrow account, we believe they owe us the Homeowners Insurance overpayment amount ; i.e. the difference between the old payment and the new payment ; partial month of XXXX and full amount for XXXX. 

I have also reviewed our account on their website and it is still reflecting the $ XXXX amount for homeowners insurance. I am attaching for your review.
I rented a car at XXXX, XXXX airport location using a chase credit card. 

We rented a car through XXXX ( Confirmation # omitted ) and returned it in same condition - We were charged three times from XXXX. 

Originally, we paid {$1700.00} for rental car and flight through on XX/XX/XXXX. Then, we were charged ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ) without our authorization. 

After unsuccessful international calls, we emailed XXXX on XX/XX/XXXX regarding these two charges ; however, we have received no notification from XXXX about these two charges ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). 

I tried really hard to contact them for one month! And finally, I got an email from XXXX in XXXX : " XXXX, XXXX '' Subject : claim : XXXX Date : XXXX XXXX, 2017 at XXXX XXXX EDT > Cc : " Toe, XXXX '' > Dear customer, > Following our investigation, we will refund your excess. 
> Please find attached the refund letter. 
> Please accept our apologies for the inconvenience. 
> Best regards, I will attach the refund letter that I received from XXXX. 

But, Chase investigated since I filed for disputes for the two payments of {$670.00} and {$350.00}. Chase claimed they could not get a hold of enterprise and THEY CAN NOT BY THEIR POLICY STAY ON HOLD FOR A CALL FOR MORE THAN 15 MIN - so they decided to close my case. I think this is really absurd. They are not helping their customers at all. 

I have a refund letter from the person XXXX, XXXX from XXXX, XXXX, who is NOT returning any of my emails about when I am going to receive a refund.
I am not able to remove a credit freeze I may have put on my account when I was disputing some items. Now I ca n't get credit because most places say that they can not pull my credit due to a credit freeze. I was trying to get my free credit report on line but because there is a Credit Freeze, I was not able to get any of the reports online. I try to contact all XXXX bureaus but non offer an online or telephone call to remove the CREDIT FREEZE, please help, they are killing me with denials due to unable to see my credit.
I refinanced a lease vehicle and hard inquiries were sent to several financial institutions. I was not aware that this would happen, only after the fact. While I do no think it was the dealers intention to wreak havoc on my credit report, it certainly was not a necessity to inquire with several different institutions, since at the time of financing my credit score was " Good ''. 

I am requesting that the hard inquiries, as follows, be removed : XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX  XXXX I XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
XXXX XXXX XXXX 's XXXX, Obtained and Ran 10 hard inquiries on my credit report without my authorization when I was shopping for a vehicle. This dealership was aware that they are not supposed to run this.
I received a letter last week about a checking account being charged for inactivity for months. I had no idea I even had this account with KeyBank, as I closed out all of my accounts there months ago. I went into the bank to investigate, as I have had many online account opened not by me at this bank previously. The branch member told me he would investigate and get back to me. A couple days later he contacted me saying he could n't find any info about it. I informed him that I received a bank statement for this account. He looked it up and informed me it was opened online out of a branch in XXXX XXXX and told me the name of the person. I do not know this person. He told me he would further investigate. I did not hear back from him so I tried to contact the Fraud Department, which Customer Service after 25 minutes would not transfer me to. The branch member contacted me and stated I needed to come in and file paperwork with him directly. He would try to get the maintenance fees and inactivity fees refunded and then close the account and give me the balance, but only once it is confirmed by the fraud department. I have taken multiple vacation days to deal with these issues. I now may be out {$580.00}, and still nothing is settled. I had asked them months ago to put in place no online accounts be allowed to ever be opened, but it seems that did not stick. They keep insisting I must have identity theft, but as I had to purchase XXXX because of this, no other activity has ever been found.
I had XXXX at XXXX XXXX Medical Center on XX/XX/XXXX. I received my first bill the end of XXXX XXXX after which I called them and explained that I am only receiving {$320.00} a week on unemployment ( ended in XXXX ) and would need to make monthly payments until the bill was paid off. Since that phone call interaction I have made the following payments. 

XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} I received a collection letter dated XX/XX/XXXX after which I contacted XXXX XXXX again and told them I was continuing to send them payments as agreed to earlier and did not understand why I would be sent to collections. 

Today when I got my mail, XXXX XXXX has returned my XXXX payment stating they are no longer handling my account. This seems illegal since I was making an honest effort to pay the debt. 

I have not received any further correspondence from the collection agency and my XXXX payment is not shown on the XXXX collection agency letter and was not returned to me so XXXX XXXX must have excepted it but did not apply it to my outstanding debt. 

XX/XX/XXXX XXXX XXXX amount due {$2000.00} XX/XX/XXXX CBCS Collections amount due {$2000.00}
My original creditor was XXXX credit card. They sent the debt to collections, Cavalry spv, I, L.L.C.,  a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, XXXX XXXX XXXX on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received it XX/XX/XXXX. On XX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received it XX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX.  XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore. 
What can I do? 

Thank you