WillisBack/dataset-financial-user-claim huggingface dataset:
The problem arose when I tried to change the bank account from which my monthly mortgage payment is taken.     I spent hours over 3 days trying to change the account online, as well as talking to a number of people on the phone. I eventually found out that what I thought I could do myself online could n't be done.     Chase wasted a lot of my time and would n't do anything but apologize on the phone and offer to send me a letter of apology, which would n't even be signed by a person.  <P/> I did n't pick Chase to service my mortgage so I ca n't take my business to another company.
XXXX XXXX XXXX repeatedly calls my cell phone to collect a debt that I do not believe I owe. 
They also send constant mail. Supposedly this debt is from XXXX and was over 7 years ago. 
I have repeatedly told them it is not my debt by they have not produced any evidence that I actually owe this. 
Today on XX/XX/2018, at XXXX from XXXX they called me again on my cell phone. 
When I told the gentleman on the phone this is not my debt he got loud and aggressive with me. In a tone that can be construed as yelling, he accused me of making false claims and told me that this remain on my credit. 
He was clearly trying to bully me in to paying money I don't believe I owe. 
I once again requested that the phone calls cease and informed them once again that this is a cell phone. 
He again said " Fine! This can just sit on your credit then! '' I ended the call.
I am a victim of identity theft I am a victim of fraud my ex husband, and his girlfriend XXXX XXXX XXXX  and other individuals has fraudulent used my information to obtain credit they have used my name, DOB, ss #, to obtain credit. My ex husband and I divorce and there were open loans under my name Mortgage XXXX XXXX  XXXX XXXX and auto loan Wellsfargo these loans were XXXX XXXX responsibility to pay and I was no longer had interest in these loans. I signed over all my interest and rights removing me from the responsible party. Wellsfargo has reported this loan on my credit report which is it to be remove next year but this needs to be deleted off my credit report immediately. My ex husband had forgery my name to obtain loans and was arrested I have sent supporting documents to XXXX, XXXX XXXX, XXXX concerning this matter. I'm a victim of identity theft. This needs removal off my credit report.
XXXX XXXX XXXX today sent yet another Demand Letter for a debt that was paid in full ( actually overpaid ) through a XXXX XXXX XXXX. 

Previously, I filed complaint # XXXX through the CFPB and believed that this issue was resolved. Apparently, it was not. 

How many times do I need to deal with this same problem before they are fined and I receive some form of compensation for their illegal actions? This is ridiculous and a complete waste of my time and the resources of the CFPB. 

They need to be audited, have their record keeping systems fixed or be sued. Imagine their profits by doing this to enough customers who do not keep records or feel too intimidated to fight back.
I had XXXX lens on my report which Was paid in full and should be removed but it 's still on my XXXX and equefax report
Threatening to or stating that I have a lawsuit against me in federal court by email. Also called over the last 6 months posing as the XXXX County Sherriff 's office, stating that they are going to file a warrant on me that day and have me arrested at my job.
Late charged and a resubmission of an Amazon prime subscription was renewed without my consent. They were sending my statements to an address that was not mine. They will only take off XXXX set of late charges. I am being charged an outrageous amount
This is in regards to my mortgage ( Loan # XXXX ) with Wells Fargo. 

I recently had to pay {$360.00} to Wells Fargo for them to perform an appraisal of my property ( XXXX, CO ) for PMI purposes. A full appraisal was performed on XXXX/XXXX/15 and I received a copy of the final appraisal report on XXXX/XXXX/15. On XXXX/XXXX/15 Wells Fargo called me to confirm I received the appraisal report, then at that time we discussed potentially refinancing my loan given recent rate activity. The mortgage consultant I dealt with ( XXXX ) mentioned that an appraisal would be necessary for the refinance and then confirmed via email that I COULD NOT use the XXXX I just bought through them for {$360.00}. 

This appraisal is less than 30 days old, it was purchased through them, and I just paid {$360.00} for it - yet now they are telling me it is not valid and I need to turn around and re-purchase the exact same thing from them again in order to refinance my loan. This is predatory behavior and Wells Fargo is trying to take advantage of its customers.
I have had a credit balance of - {$580.00} on my credit card since XX/XX/17. I  have contacted XXXX XXXX XXXX three times since then about collecting this balance so I can close my account and have been unsuccessful. The credit balance was due to a return after the credit card was already paid off.
American Student Assistance @ XXXX has been resolvred/paid in full - previously this was a defaulted student loan
I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.
On XXXX XXXX, XXXX, I called Capital One concerning my credit card. I had made a payment to my credit card. They have reported inaccurate information on my card that has cause my credit scored to go down by 30 points. I make a payment and then the Capital One puts the interest fees on the card after I make the payment. It makes the card seem as if I have not made a payment. My card is now over the limit because of the high interest fees. I have discussed these high interest fees with Capital One and they told me since I missed a payment that they would not be able to lower my fees. I expressed to them that I have a long standing account with them and that I should be able to have my interest fees lowered on my card. The interest fees makes the card hard to pay off! 

Capital One states that I have a XXXX % on time payment rate but they still will not be able to lower my interest fees. I think this is unfair! My credit is suffering because of this! I have tried to resolve the issue with Capital One but they are unfair when it comes to this concern. I have looked up Capital One 's reviews and their are other customers that are going through the same concerns that I am. I need relief from this situation!!
Credit Card shows XXXX XXXX not my account my name is XXXX XXXX account doesn't belong to me. SS number and name doesn't match. SS Card number and name is XXXX XXXX. 

FTC report filed for two accounts XXXX XXXX XXXX and XXXX. Also inquires are not mines I have a fraud alert that one must contact me at number listed before credit is issues. I was also part of a breach
I applied for th e Amazon Visa card, via the Amazon website,  bef ore  XX/XX/XXXX . Ch ase was the bank underwriting th e Amazon Visa ca rd. A few weeks later I received a letter from Chase declining the card and the reasons wh y. In   XX/XX/XXXX , I re ceived   3 additional denial letters from Chase cr edit declining the issuance  of the Amazon Visa card. I returned one of the letters to Chase credit,  asking them to stop sending me these letters since I only applied for t he Amazon Visa card only  once and already had received a denial letter. Later on I saw m y  XXXX  repo rt and there had been  XXXX  separate inquiries in  XXXX  by Chase! On  XX/XX/XXXX  I received another letter from  Chase ( se e attached ) declining my '' application '' fo r Amazon Visa ca rd. I only applied once back in latter part of  XX/XX/XXXX ; I keep receiving these letters f rom Chase, and Chase keeps p ulling my report without my authorization! This has to stop. I need to know who authorized these inquiries, by Chase, in my  XXXX  Credit report. There is fraudulent activity going, and it needs to stop.
I am having problems with a payday loan. Yes, I took out the loan over a period of three years and paid an enormous amount of interest and loan fees. I have been threatened with felony charges for a check you have to leave them until the loan is paid back. I ran into financial problems and moved away from XXXX XXXX, Texas. The collection department told me I needed to come up with {$970.00} or a warrant would be issued for my arrest. I asked them if I could pay it out, and she told me I needed to pay {$240.00} for 4 months. I told her I was already in a financial pinch and that would be too much, but she said she could n't change that payment. I hung up the phone and did n't call her back.. Advance America is the payday loan company. In three years, I have paid them XXXX dollars, mostly interest and fees. The name of the bank I used was XXXX, XXXX. I really need to know what you can do to help me. Being a XXXX veteran and my wife is XXXX and ca n't work, it has been really hard on both of us. They are charging us for monies owed and checks returned for NSF. Thank you so much for your help, and if you need a copy of our hardships, I have the past 12 years recorded in a hardship letter. With our family, it became borrowing from XXXX to pay XXXX. Presently, my wife is overwhelmed with doctor treatments and more payments ; besides owing over {$200000.00} to restitutions and college loans.
After checking my Credit report on today 's date of XX/XX/XXXX, I discovered my score had dropped by 1 point after a hard inquiry from COAF in XXXX TX XXXX on XX/XX/XXXX. I do not recall this company and it is just now showing up on my credit report.
This company wo n't respond to my mail and none of their customer service agents are available by phone. I have sent these people letters and have tried calling them for days, to no avail. It is unbelievable how they are able to get away with this. I have their Trusted ID Premier service and I also have Credit Karma. The credit report through their Trusted ID Premier service is not showing the collection accounts that they are reporting, but the XXXX XXXX credit report is! This is amazing! Also, Equifax is reporting a XXXX XXXX XXXX account twice. It is a duplicate. The account was included in a XXXX bankruptcy. They are reporting two separate account numbers for this ( XXXX and XXXX ), but is the same account! They are also reporting erroneous collection accounts for XXXX and XXXX that do not belong to me! This is sooooo frustrating!
I financed a home with an FHA mortgage in XXXX, XXXX, which was then sold to Freedom Mortgage. Because interest rates dropped, I refinanced the loan in XXXX, XXXX on a streamline refi. The title company, mortgage broker, and I all tried to obtain a payoff for the end of XXXX, but were unsuccessful until XXXX XXXX, which meant that the loan could not possibly close by XXXX XXXX. During this time, Freedom called me to see if I would consider refinancing with them instead of my current broker. I declined but they still did not provide the payoff until XXXX XXXX, which was good only until XXXX XXXX. After approximately 10 days, I called Freedom to see when I would receive the refund of my escrow account. I was told that it took three weeks because they had to determine if charges were pending against my account. I asked them what would be pending, and after looking at the account, they told me there were no pending items and I should receive the balance of my account ( est. {$2400.00} ) in approximately two weeks. I received a check from Freedom but for {$1400.00}. I called several times to get an explanation from Freedom but was told it was all mortgage insurance premium ( MIP ). Finally, the last representative told me that {$290.00} was MIP, and the remainder was a full month 's interest that they were required to charge on FHA loans since the loan did n't close by the end of XXXX. First, I do n't know how there could be additional MIP when I was told earlier that there were no pending charges on the account. Second, the FHA rules changed for all loans originating after XXXX XXXX, XXXX to require interest only to the date of closing, not for the full month. When I told the Freedom representative that, he said their training requires a full month, and that my mortgage broker and I were both wrong. They have not refunded the additional {$1000.00} due to me. 
Based on the responses I received from Freedom, I believe that this is a systematic effort on their part to overcharge consumers for MIP and interest not due to them. I believe that if you investigate all FHA mortgages owned by Freedom that originated after XXXX XXXX, XXXX that were refinanced, you will find that they have systematically overcharged consumers for both MIP and interest, and that they have deliberately delayed provision of payoff amounts to maximize the interest retained by Freedom.
I was completing a purchase using Ebay. I tried to pay using my PayPal balance as I usually do and was asked for verification information. Upon completing the verification process and accepting the terms of service ( which I mistakenly thought were updated terms for using PayPal ) I was told that I had opened a {$5500.00} line of credit with PayPal. I did not want this and promptly called and closed the line of credit. This same thing happened to a friend, so it seems clear to me that they are trying to trick people into opening lines of credit. I am very frustrated and thankful that I caught the mistake. Unfortunately the application and line of credit will be reflected on my credit by credit monitoring agencies for years to come. I have no doubt that this will have a negative impact on my ability to pull credit when I actually intend to do so. 
I understand there is nothing to do regarding this case, but I would like to file a complaint with the hopes of encouraging PayPal to change its ways. 
Sincerely, XXXX
This is a second complaint against Sallie Mae. They lowered my monthly payment for one month, and than decidely increased again the next. It was XXXX in XX/XX/XXXX, and now in XX/XX/XXXX it is XXXX. They also removed all my online documents without approval between those months. They have increased my interest rates without approval, and I was suposed to have a fixed rate. And they have also not cleared up their previous errors nor removed their reporting to the credit agencies of their error so my credit report is a nightmare.
I went to XXXX XXXX I had XXXX XXXX  done. I had it done twice and paid in full. They recommended a third time. I opened a charge account there. I made an appointment but ended up cancelling it. In the mean time XXXX XXXX charged my account. They told me I would have to wait in between sessions. I had the last session in XX/XX/XXXX it was fully paid for. The third appointment I cancelled but they charged the account with out waiting until I had the procedure done. XXXX XXXX  will not pay the amount they charged back to the credit card company. I did not get it done and stuck with the bill. Can you please help.
To Whom It May Concern, Hi, my name is XXXX XXXX and my loans are being handled by Navient. I have reported this problem before, to which they fixedthe problem. However, they have yet to fix this problem with other students ( including myself again ), as well as my other classmates.

To my understanding, when students obtain loans, students have 90 days to return the loan without any fees or charges occurring ( i.e. that loan amount does not accrue interest ). However, whenever I make return part of my loan to Navient within these 90 days, they apply some of the repayment to the net loan and some of it to the interest that has accrued. Ultimately, these means that the net loan amount is higher and students are paying more over time as the increased net loan creates more interest for students. 

About 1 year ago, I already created a complaint regarding this issue where they refunded me for the amount that was applied to the interest, and the additional interest that it created. Other students that I had warned about this issue contacted the company to which they said this problem has never occurred before and it was a simple error in the system. However, despite their awareness of this issue, they have still yet to fix this 'problem ' that is essentially generating more money for them.
This account is a fradulent account. I went to this business FOR A CONSULTATION. the XXXX never told me that I would have to pay for anything. When I went to leave the receptionist told me I had to write a check for {$3500.00}. they would hold the check for two weeks -- AFTER I came back " for trays '' -- they would then submit the bill to my insurance company in three weeks after I Paid them for the full amount of {$7500.00}. I called my insurance company when I got home. I was informated that this basically is insurance fraud. I called the XXXX office the next day to cancel my contract and tell them I was not coming back in for services. I never went back -- Two weeks later the XXXX started calling my job leaving harassing messages. Next two months I receive a letter from a debt I did not owe. I have medical and dental insurance. I am being charged and billed for services never rendered. I never received XXXX or anything from this business. I wrote a check but cancelled the contract the next day. I would not be a part of insurance fraud.
Attention : Credit Bureau Disputes Department Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information
I opened a US Bank credit card on XX/XX/XXXX of XX/XX/XXXX to pay for college textbooks. I went into US Bank back in XXXX of XX/XX/XXXX to try and pay whatever the remaining balance was. They told me the balance owed was {$210.00} but that I had to call the credit card recovery number and pay them. I called and talked to XXXX and paid what I was told was due but was not made aware there were fees and other added interest. And now there are saying I owe {$320.00} but I cant pay it today because my account is in transition that I have to call back tomorrow and pay it and it wont show for 15 days and then another month after that for my credit score.
Do you know how many years and times we tried to get USAA to do the legal thing. XXXX Not only did the credit card not only was robbery papers submitted, this company has illegally put the card in collections to sell it to someone else to make money, that is a crime. Not only that I was only main USER and XXXX XXXX was only an authorized user, from only XX/XX/XXXX to XX/XX/XXXX. USAA wo n't remove him and they illegally put him on their out of spite. This I find gross neglect and highly illegal. I was nothing more than that and not only that XXXX took USAA CREDIT CARD off my report realizing its illegal activity. Not only that, USAA reported wrong amount. There are 4 illegal things, not just one here, not only that 4 years I tried to resolve this, this is disgusting.
On XX/XX/2018 I purchased a brand new XXXX from XXXX using my Bank of America credit card for a total of {$590.00}. The item number on XXXX is XXXX. The XXXX transaction ID is XXXX. On the listing the seller stated to have had the phone fully paid off as well as having a clean IMEI number. The phone was received brand new and functioned properly for 2 months. The phone stopped functioning in XX/XX/2018 because XXXX blocked the phone from having cell phone service. I contacted XXXX and they told me that the phone had been blocked due to the phone not being paid off. I reached out to XXXX/XXXX  immediately and submitted a dispute. I received a response a few days later after they completed their review and they said the case was not decided in my favor. They stated that the " seller had sufficiently described the merchandise ''. I submitted proof from XXXX to them that the phone is not functioning because it is not paid off. I then submitted a complaint to Bank of America credit card to dispute the transaction. After this I submitted substantial proof to show that the transaction was fraudulent. Bank of America responded and said that my money would not be reimbursed. 
Clearly, their decision is erroneous and this transaction was fraudulent. The phone is completely non functional and it's not for any reason of my own. I submitted disputes as timely as I possibly could considering the fact that the phone being non functional was completely outside of my control. There's no way that I could have known that the phone was not going to work at any point in time because it's failure to operate is the result of the seller 's misleading information and fraud about the phone 's being fully paid off. I am requesting a reimbursement of my purchase in the amount of {$590.00}.
My late sister XXXX temporarily resided with me from XXXX to XXXX. 
She passed away in XXXX, XXXX. 
Unknown to me, she had several credit card accounts ( opened by her and in her name only as she was an adult at the time they were opened. ). 

On XXXX XXXX, XXXX and continuing randomly through XXXX, XXXX, I received thirty ( 30 ) calls from Portfolio Recovery Associates. ( PRA ). There was no message left indicating who they were attempting to locate or the purpose of their calls. I assumed there was some type of mistake and they had the wrong number. 
Since the calls continued, a call was placed to PRA on XXXX XXXX, XXXX and learned they were attempting to locate XXXX. The Customer Service Representative ( XXXX ) was advised of XXXX 's death and she said she would verify the information and remove my phone number from the call list. The calls stopped and no further calls were received for the remainder of XXXX. 

During XXXX XXXX, a collection letter was received via mail addressed to XXXX with my home address. On XXXX XXXX, a call was received from PRA and again, no message. 
A return call was made to PRA that same day and " XXXX XXXX '' was given the same information that was shared during the XXXX XXXX, XXXX call. 
I questioned why the calls were beginning again, since the information of XXXX 's death was given to PRA the previous year. It was also mentioned to the representative that it was assumed Portfolio Recovery would have access to various professional and informational databases especially the Social Security Death Index ( which would immediately verify XXXX 's death ) ; as well as a simple XXXX search which would have provided factual data that XXXX had indeed died. The representative did not answer any of those questions, only stating said she would verify the information and remove my phone number from the call list. 
No calls were received for the remainder of XXXX and all of XXXX. 

Thinking this situation was indeed finally over, I was shocked when the calls began again on XXXX XXXX and by year 's end had received thirty eight ( 38 ) calls from PRA . There were also two ( 2 ) additional collection letters received for XXXX with my home address. 

It is now XXXX, and the calls continue, eight ( 8 ) to date, and a fourth collection letter. 

So after four years and three months, 77 phone calls ( with no messages ) and two calls to PRA providing information that XXXX is still dead, the harassment continues. 

PRA purposely chooses ; to ignore that XXXX had passed away and refuses to verify her death ; to attempt to coerce and intimidate others for payment of a debt that only the deceased would be responsible ; to continue calling my home number ( which they said would be removed from their call list ) despite my best efforts to convey true and honest information ( that goes ignored ) causing undue XXXX.