WillisBack/dataset-financial-user-claim huggingface dataset:
2 weeks ago NO action # XXXX I never got a response from you people. NOW once again these opprobrious incompetent XXXX at XXXX are still blundering away with some flim-flam scam of fraudulent new claims or new collections on what exactly?! # These XXXX XXXX charge and collect a fee then allow anyone to harass cheat enrage me with malignant unproven collections!!! This garbage is NOT new!!!! I just got informed from XXXX   part of OPM 's breach and free monitoringof my credit reports!!! WHY are these clowns at XXXX  blundering away with phony fraudulent claims of collections?! # I never received any mail from derelicts at XXXX XXXX XXXX? Collecting what and for who? All bad debt has already been charged off by everyone, can only be there 3 more years. Obviously this must be those corrupt and petty thieves at XXXX still trying to cheat and aggravate me!! I told you countless times XXXX never refunded or credited me my ( 3 ) lines and {$680.00} in advance payments they stolen??? Plus these XXXX cramming/deceit infamous lawsuit. They thought they couldget away with scamming me with that worthless XXXX tablet that I sent back within 14 days, continued to scam me with overcharges duplicate billing for trying there unpopular countless complaints about google tablet. I had to write california attorney general countless times before I got some phony and specious credit. NOW these XXXX  clowns state settled in my credit report and yet still continue with these XXXX scandalous collections
We have had this pick-a-payment ( sub prime loan ) since   XXXX   .For the past 10 years we have been trying to get out of this loan. We have tried on numerous occasions to refinance as well as motifications we have never had any success as wells fargo always has another escuse why they can not do anything for us. Motification they say i make to much money I have a family of  XXXX   XXXX  in collage  XXXX  still in high school i might make good money but with this mortgage i dont have even enough money to pay a mortgage of  XXXX  a month at 6.95 % We are not a   XXXX   XXXX   XXXX   XXXX   loan .... we are however a hard working family that is trying to save our house from forclousure / shortsale .We are looking for a lower rate mortgage so we could afford to stay after close to 15 years and  XXXX  already paid in interest to this pick a plan loan Thank you in advance and hope we can get some sort of help The  XXXX
My brother XXXX XXXX XXXX XXXX in XXXX on XXXX XXXX. Wells Fargo Bank has not been cooperative in allowing me to submit at least initially electronic copies of appropriate documents about the case although other financial entities have. Due to my having difficulty submitting my complaint on your site with documents I am first submitting without documents and then request an E-mail where I can attach the appropriate documents. His wife XXXX XXXX is totally XXXX and can not handle her affairs or even XXXX XXXX. I have documentation of both of these issues including the appointment of a guardian by an XXXX court. My brother 's SSN is XXXX. I have mailed copies of documents to a P.O. BOX I was given by I do n't know if this is going to be enough to resolve this matter.
On XX/XX/XXXX and XX/XX/XXXX, a representative of XXXX XXXX XXXX XXXX XXXX contacted several of my neighbors and informed them of a debt I am working to repay.
Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with XXXX Transunion, XXXX. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. XXXX, Transunion, XXXXhas FAILED to do so. I feel as if XXXX, Transunion, XXXX is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if XXXX  Transunion, XXXX and I can resolve this issue without having to see a courtroom. I will await XXXX, Transunion, XXXX response before I disclose any of my personal information.
I received a letter dated XX/XX/XXXX from BB & T about my account # XXXX stating that they were changing my fixed rate. This account came from XXXX XXXX XXXX XXXX XXXXXXXX years ago it had a fixed rate of 6.5 % and was guaranteed never to go below that. XXXX XXXX XXXX XXXX XXXXXXXX failed and was acquired by XXXX XXXX in XX/XX/XXXX. They tried to lower the interest rate on these accounts but the FDIC ruled that they could not. Later XXXX XXXX was acquired by BB & T who has paid the 6.5 % interest since they acquired XXXX XXXXXXXX which was many years ago. Now after paying this rate from the time they acquired XXXX XXXXXXXX they want to change it but that was not the guarantee that XXXX XXXXXXXX XXXX XXXX made. Since the FDIC ruled that XXXX XXXXXXXX must pay the 6.5 % a.p.r. why are we having to go through this problem again. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone XXXX E-mail XXXX Thanks for you looking into this for me.
For the last few years I have attempted to pay this debt and get more information. The debt amount is always different each time I call. The manager refuses to send me more information on this increasing amount of debt on my credit report. I made my last attempt to take care of these items on my credit report from the same debt collector. On XXXX/XXXX/XXXX at XXXX : I called and asked to speak to a manager. XXXX claimed to be the manager. I asked her for more information on this money that I owe of XXXX or XXXX. XXXX quoted " XXXX, '' and stated that she could not give me information. She stated I owed XXXX+ dollars and not the XXXX, XXXX dollar charges on my experian credit report. I told her that I want to take care of this but I ca n't pay XXXX dollars to Commercial Trade Bureau if I do n't know what its for! She told me she recalled me calling before and the answer is still the same that she ca n't give me any information on the account. She is rude and unprofessional when I asked for her last name she hung up on me! I got no information. I have been disputing this for the few years and it 's still on my credit report. The information is conflicting with the XXXX credit bureau, the commercial trade and what I have. This is suppose to fall off XXXX XXXX but now XXXX is stating that it was pushed back to XXXX XXXX. I ca n't get any information from the original holder at the clinic. XXXX mocked me and stated that she does n't care that " it will just stay on my credit report '' I have no Idea why I owe XXXX dollars to this company.
I have received a letter from Holloway Credit Solutions stating that if I do not respond, my credit may be impacted negatively. I am not involved account number they are collecting. 

I do not appreciate them contacting me and then threatening me on top of it.
I have an ongoing dispute with Discover Card since XX/XX/XXXX when some Unauthorized charges were put on my account. While Discover telling customers that they do not have to pay for any unauthorized charges, Discover accepted a charge in XX/XX/XXXX from a " merchant '' whom I had informed Discover not to accept any charge in XX/XX/XXXX when I realized the " merchant '' was a Scammer who tricked consumers to give credit card information for unintended charges.

The specific complaints are as follows : ( 1 ) Discover accepted charge from " merchant '' AFTER it was informed by customer Not to accept charge from the " merchant ''. ( I can stop payment on my check, therefore I should be able to stop charges to my account ) ( 2 ) Discover keep charging interests aand Late fees while the account is in dispute.

( 3 ) Late Fees werre charged by Discover despotically albeit the small amount that is claimed being owed. It totally disregards the complaints made by the customer of the outstanding balance.

Late Fee charged in XX/XX/XXXX = {$27.00} Late Fee charged in XX/XX/XXXX= {$37.00} The way Discover charges customer late fees would make Discover so much money that could be it main business! The Late Fees imposed by Discover is Unfair and Illegitimate! It is Usury in Disguise!

( 4 ) Discover reinstated " merchant '' charges after informing customer that " All disputes were Resolved and Completed " in XX/XX/XXXX.
I received a credit card statement from BankAmericard mailed to my home for a card that I do NOT have and NEVER have had. I have called them and written directly to BankAmericard without any success in resolving this issue.
XX/XX/XXXX funds withdrawn from my checking account with confirmed receipt to Citizen 's One Lending on XX/XX/XXXX payment not posted until XX/XX/XXXX XX/XX/XXXX payment recieved by Citizen 's one XX/XX/XXXX not posted until XX/XX/XXXX XX/XX/XXXX payment received by Citizen 's one as of XX/XX/XXXX still not posted and have charged me a late fee
To Date Navy Federal credit union has not removed over 10k in fraudulent charges on my credit card. They were negligent in allowing someone to open an account stating they were my spouse without any proof. Navy Federal also allowed this individual to call in a check off of that credit cards to pay other fraudulent accounts. Navy Federal actually took the charges off then put them back on. I have read other reviews with this being done to them also. I am seeking a group to move forward with litigation as a whole and also whom are interested in seeking damages and emotional distress. I have followed their process and gone through all of the steps including the process with the police and still Navy Federal has not removed the charges. I have also found 2 others whom have had this done to them as well. They have asked me for documentation and I have sent it. I also sent a message stating I had reason to believe the crook had been selling off my information to others and I have had no response back from them at all. Anyone who can assist us with getting this information in front of the attorney general is greatly appreciated.
I paid the wrong Citibank credit card by accident at the beginning of XXXX by {$9000.00}. There is a credit to my Citibank credit card in the amount of {$9000.00}. They have yet to send me a check for the credit after numerous requests and telephone calls.
This loan was taken out in   XXXX  . I have called Department of Education and submitted documents letting them know that this is fraud and I never took out a student loan or attended this school. Every year they tell me they are investigating this matter and no results. They are garnishing my wages and have taken my tax return and still have n't given me any results or showed me any paperwork from this loan
There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate.

Why do I need to have them update when the bureaus should do the investigating?

Next, I have called the companies and have sent letter already attempting to verify the information.

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
I TRIED FEVERISHLY TO MOTIFY MY MORTGAGE WITH CHASE BANK. 

THEY KEPT LOSING TO DODD FORMS OR STALLING. 

XX/XX/, 2018, APPROXIATELY {$240000.00}. I COMPLAINT TO ALL AGENCIES THAT WOULD LISTEN, THEY CONTACTED CHASE AND CHASE DID NOTHING.

TO THIS DAY CHASE BANK FEELS THAT THEY ARE ABOVE THE LAW, CHASE STILL CONTENTS THAT THEY ACTED IN " GOOD FAITH '' NO THEY ACTED IN BAD FAITH. 

THEY LIE, LIE AND CONTINUE TO LIE, THEY MUST BE STOPPED
Nationstar Mortgage states that we need to pay them again for the month of XXXX, 2016. However, we are having our bank bring us copies of all the checks we submitted to Nationstar, but were lost. On XXXX XXXX, 2016 we made a cashier 's check from XXXX XXXX XXXX XXXX XXXX in the amount of {$970.00} to Nationstar Mortgage. In XXXX we mailed a check for {$970.00}, check number XXXX, from XXXX XXXX Bank, to Nationstar Mortgage. We also mailed a check on XXXX XXXX, 2016 in the amount of {$970.00}. On XXXX XXXX of 2016 we mailed Nationstar Mortgage XXXX checks ; XXXX for {$1000.00}, for the month of XXXX, 2016. XXXX for {$1000.00} for the month of XXXX, 2016. Also, we mailed a check in the amount of {$970.00} for the month of XXXX, 2016. We believe we do not owe Nationstar Mortgage any mortgage payment until XXXX of 2016. Our bank is working on getting copies of the checks cashed by Nationstar, but supposedly they lost.
XXXX- XXXX 2017, I sent multiple letters and contacted the collection agency via phone to inquire about a debt that appeared on my credit report. I have asked them to validate the debt, documentation showing where I signed paperwork from the original creditor. They could not validate debt or have proof where I owed the debt. In turn, they sent fraud paperwork to my address to complete. It is unnecessary for me to complete such paperwork when the debt is not mine. 


I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in AL state
I had a XX/XX/XXXX Honda Accord, which finally not working in XX/XX/XXXX after running for about 17 years XXXX totaled XXXX miles ). The car was filed as non-operational with XXXX. So, XXXX day some guy left me a note on the car asked if I 'm interested to sell the car. I called the guy and he came and towe the car away. I ask the guy for his personal infomation and went to XXXX and filed the release of ownership ( see attached XXXX record ). However, a few weeks later, I received a letter from the Police saids my car was parked on the side of the freeway and then was towed to a towing yard. At the same time I received a collection letter from Finex Group, acct # XXXX saying I owed {$2900.00}. I called and told them the car is not mine anymore, but they keep insist that I 'm still the owner. I told them I have the XXXX record to show the car is not mine anymore. However, they refuse to remove from collection. I think this is some kind of scram. They purposely buy cars from owners and left them somewhere and then have towing company tow it to their guarage and trying to collect from original owner. I would like CFPB to seriously look into this matter and have this item remove from my credit report. Thank you so much. XXXX
These attachments show up on my credit report. I have disputed all of them. Im presently in Bankruptcy Chapter XXXX Plan and have been since XX/XX/2016. These creditors were listed in my Bankruptcy Plan.
XXXX XXXX removed this credit file and keeps reinserting it. They have NOT sent me 5 day as required by Federal Law and in violation of fdcpa 805. communication in connection with debt collection. I do not owe them anything as I have never done any business with this company period nor have received any documents to confirm I owe XXXX XXXX. They are continually violating my consumer rights. As well as the state of TN requires they be licensed and bonded in state in order to attempt to collect any debts. They are neither licensed or bonded.
I had an installment agreement with XXXX XXXX, i had an outstanding balance of {$210.00} in XXXX of XXXX i filed for chapter XXXX bankruptcy in XXXX XXXX and XXXX ACCEPTANCE was included as a creditor. I was XXXX in XXXX of XXXX. XXXX XXXX is willfully ignoring the court injunction to cease collection activities by reporting to credit agencies other than a XXXX balance and that it is a charge off. This is unnecessarily harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Status CHARGE-OFF Balance {$210.00}
US Bank recently cancelled the free night award bonus which was a benefit of their club carlson credit card. I had renew my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertized at the time I renew my membership unlimited free bonus award for any nights booked with points. my family do a large part of our banking with US bank and are not considering other options.
Was not XXXX XXXX obligated to protest card holder for hackers inside their company and from hackers that used their company to hack peoples accounts? 
Someone using XXXX XXXX hacked into my bank and took {$300000.00} a few years ago. XXXX DID pay it back BUT did not stop them from hacking and taking funds from my XXXX and XXXX credit cards to the amount of over {$40000.00}! This funds ent to a fake XXXX credit card account! 

XXXX XXXX NEEDS to stop letting hacker work for them!!! 
They owe me over {$40000.00} plus the amount that the hackers took from my XXXX Credit cards. Plus damaged that they did to me of {$50000.00}. 

In XX/XX/XXXX/XX/XX/XXXX I became XXXX  and sent a claim into XXXX XXXX to have my payment paid by the payment protection plan that ALL card holder had pay for> I was told I did not have that coverage that I was paying for as required by them ( federal court ruling XX/XX/XXXX ) I can canceled both cards and started to pay them off at {$100.00} to {$300.00} per month. About four years ago someone at XXXX XXXX or through them took {$3000.00} from MY bank! They did send me a blank check for no more then # 3,000.00! But when the hacked into my bank the got my other credit cards and started transferring money ot of them to a fake XXXX card account! Before I caught them and pt a stop to it the took over {>= $1,000,000}! XXXX XXXX has been ordered by several federal court to stop setting up fake accounts in class action law suites! 

I can not get credit with the only credit card the did not ler XXXX XXXX steal from ME!!!
Account :  XXXX   XXXX  An agreement was made to delete their collections report from mine and my roommates account when the amount was paid. The amount owed was incorrect, I sent the lease to them, to get the amount corrected. They corrected the amount but then reported that we " settled for a lesser amount. '' It was not a lesser amount, it was the  CORRECT  amount. The balance was paid in full and they still remain on mine and my roommates credit reports.
Upon applying for a loan at my XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have XXXX XXXX downloaded on my phone. That night i got a ding from XXXX XXXX. XXXX XXXX XXXX had hit my credit ... like i had applied for a loan there. I have not. Also, XXXX/XXXX had onXX/XX/XXXX. And XXXX on XX/XX/XXXX ... There is no reason for any of them to hit my credit. As a result my Credit score has gone down from XXXX to XXXX and XXXX. I would like to know why and how they acess my account without me asking them to. I am trying to get my credit back in check. Any help you can give me would be much appreciated. Thank You, XXXX XXXX
The Company : 1. has refused to provide me with validation and assignment of debt documentation. 

2. has threatened legal action and threatened to ruin my credit 3. asserted that I was a liar and that they will feircely collect on a debt their client claims to be valid. 

4. has given no credence to the fact that this debt does not belong to me 5. is essentially using bullying tactics contrary to the law. 

6. blatant refusal to provide me with contractual proof of debt evidences there unlawful collection practices. 

7. company has called my phone despite clear instructions not to. 

8. is in violation of the FDCPA, FCCA It is to be noted that this bully tactic will not work with me, nor will I sit back and allow an unscrupulous company to infringe upon my rights. Law suit is imminent. 

cc. State Attorney Office, CFPB, FTC
I HAVE CONTACTED YOUR COMPANY ON MORE THAN ONE OCCASION ABOUT THE 8 ACCOUNTS THAT YOU CONTINUE TO HARRASS ME ABOUT. FIRST OFF HOW ARE YOU COLLECTING ON BEHALF OF ANOTHER COLLECTION COMPANY? ISNT THIS AGAINST THE LAW? SECOND I AM IN RECEIPT OF YOUR LETTER DATED XX/XX/2018 FOR ME TO DISPUTE THE VALIDITY OF THESE ACCOUNTS. WELL, THIS IS YOUR 4TH NOTICE AND LAST OR I WILL BE FORCED TO SUE IF YOU RE-INSERT THESE INTO MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER DEALT WITH YOU XXXX OR THE COMPANY PENDRICK OR THE OTHER MEDICAL COMPANIES YOU REPRESENT. Furthermore, I HAVE NEVER GIVEN YOU AUTHORIZATION TO REVIEW ANY OF MY MEDICAL HISTORY OR FOR MY MEDICAL HISTORY TO BE GIVEN OUT SO HOW IN THE WORLD COULD YOU VALIDATE ANYTHING ABOUTME? EXACTLY YOU CANT BECAUSE it's NOT MINE!!
I have been receiving phone calls from XXXX threatening me with legal action for a bad check and loan and to settle the account with them, but would not provide any details on where this orginated from. I know for a fact I have not written a check in over 15 years and nor am I delinquent on any loans and or credit cards I own. This company called themselves XXXX and had my personal information to include SSN, old contacts of mine and previous old addresses. I checked this number and saw several complaints regarding the same issue and when I called them back to call them out on their fraud and identy theft, the gentleman on the phone became threatening and disconnected the phone call.
InXX/XX/XXXX I had opened up an account at the branch and they were offering a promotion to refer customers to HSBC. Each new account customer gets a {$250.00} bonus for being an " Advanced Checking Customer '' if acct is funded with $ XXXX. 3 months go by and I following up with bank that it still missing. They credit the account with {$100.00} and missing {$150.00}. I contact the bank again. They said it takes 8 weeks to post after the acct is opened for 3 months. After 5 months still not resolved. At 6 months, we follow up again and they said give it another month. So I've already placed at least 5 phones calls to the branch and main number. On XX/XX/, we call HSBC main number and they find the wrong promotion code is entered and file an investigative report. Said to give them a week and they will call back. I called them on XX/XX/, and they have no idea what is happening and still not resolved. I am filing a complaint in that they are misleading people to opening accounts but will not commit to the advertisement. They hold onto your money with no one taking charge to resolve the case. You can't close your account as they hold this issue open as hostage and charge you a penalty if you close prior.

This the 2nd complaint I'm filing as they have said they will escalate and then closed the case before it was resolved. When I called in and I had the customer service representative, XXXX to note on the account that my mother, XXXX, to be given full authorization to discuss all aspects of this account as I was traveling out of the country and yet they would not disclose the resolution to her. Because they did not fund the account in a timely manner, I was likely hit with charges while traveling abroad. They should reverse any account charges as if the funds were there. 

Very poor customer service. They refuse to provide a number to call into the corporate office. They would only provide an address to write in and it may take 30 days to get a response.
COMPLAINT AGAINST BANK OF AMERICA AND XXXX We had difficulty paying our home mortgage and sold the house on short sale 2013. The mortgage was with Bank of America. Bank of America approved the short sale and accepted the proceed for full satisfaction of the XXXX ( first and second ) mortgages on the property. We have all the documents to that effect. 

The second mortgage is entered in my credit report as a debt that I am owing. It is showing in XXXX XXXX and XXXX that the debt was transferred to another lender. In the same report it is stated that the debt is legally paid in full. 
XXXX XXXX entered it as a delinquent mortgage. 

It appears Bank of America sold the mortgage after accepting the proceed from the short sale as full settlement. Bank of America and XXXX XXXX are in collusion in these transactions. 
These XXXX derogatory entries in our credit report are adversely affecting our credit rating seriously. As a result we are having great difficulty getting a mortgage to buy a home. This is causing us serious pain and distress..