WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX purchased a credit card debt from XXXX  XXXX XXXX, assignee of XXXX XXXX and hired XXXX XXXX to represent them in the Court of law in order to collect on the debt. On XX/XX/XXXX, a lady named XXXX who claimed to be with law enforcement agency and wearing a " badge '' and shorts, t-shirt, flip flops, came to my place of employment with her XXXX small children. She was asked to leave by human resources and to contact me at home. She left and then immediately called my place of employment again, being harassing. She left her number and I called her to try and set up an appointment and all She stated was someone would be out next week to my home address, which I verified with her, as I believe she was trying to give me Court papers. Instead, On XX/XX/XXXX, she showed up again at my place of employment. I asked her to please wait outside as I was getting ready to leave work and I would meet with her. I came out and she was still inside. I told her I needed to use the restroom. She said " really '' I said yes. Then when we got outside she continued to stand by the employee entrance area. I said this is embarrassing and why didn't anyone come to my residence. She accused me of avoiding her and threatening to fine me. They took me to court and Sued me and unfortunately the judge sided with them which I disagree with. Not only violating the FDCPA, the company failed to provide evidence that I owe the debt and that they have a claim in the debt. I asserted lack of standing not to mention being threatened, harassed and humiliated at my workplace.
Wells Fargo states linked accounts will not be billed service fees if certain conditions are met. 
However, say a checking and savings account are linked. While all conditions are met, they still charge service fees for one of the accounts, namely the savings account. Their excuse is it is a one way link, i.e. the checking is linked to the savings, but the savings is n't linked to the checking. They do not clarify the distinction in their marketing, making for a deceptive practice to overcharge the customer.
On XX/XX/XXXX, I discovered my XXXX rent check for {$1100.00} had been fraudulently cashed into a XXXX XXXX Bank Account, other than my leasing company. Upon realizing this I immediately reached out to my bank ( Merrill Lynch XXXX XXXX ) to initiate a Check Fraud Claim. On XX/XX/XXXX, I received a XXXX XXXX XXXX that required both myself and my apartment leasing company to fill out and acknowledge that they were not in receipt of the check. I immediately sent this back to XXXX XXXX XXXX XXXX and was told upon receipt and processing my claim would kick off ( this occurred around XX/XX/XXXX ). For the next 4 months, I continued to reach out and request updates on the claim, until I was essentially told to " wait and see '' by the fraud team. Eventually, I was told that if I had n't heard anything by around XX/XX/XXXX to call back as this would have been the 126th day of the claim and would move into a new process if they could not reclaim the funds from XXXX XXXX. At that point, I was told that " systemically the case would close '' as it had reached its 126th day, but that they would still be working to recover the funds. I expressed concern that it would be showing as closed and was fearful that it would then fall through the cracks. Since XX/XX/XXXX, I have been requesting call-backs and information from XXXX XXXX on the status and have not received any information via mail only after several calls to request a call-back. Eventually on XX/XX/XXXX, I went into a Bank of America Branch location to speak to a Client Services Representative, she was able to look into the check and reach out to a contact at XXXX XXXX who confirmed that the check had in-fact been deposited into an account other than the one listed on the Check. Upon receiving this information, she informed me she would share with the XXXX XXXX/Bank of America Fraud Office to  help resolve the claim. Since then, I have consistently reached out for updates on the claim - leading up to today, XX/XX/XXXX, when for the first time someone at Bank of America told me they had officially stopped trying to recover the funds and there was nothing else they could do since XXXX XXXX did not respond to the inquiries. 

Since then, I filed a CFPB claim to directly contact XXXX. XXXX was quick to action the claim and even reached out to me directly on XX/XX/XXXX stating that they were willing and able to refund the amount, but had never received any attempt by Bank of AmericaXXXX XXXX to recover the funds, and thus needed the Affadavit paperwork I had signed in submitted back in XXXX of 2017 before they would be able to send the funds back. 

I then began working again directly with Bank of America to connect the dots and provide the individual from XXXX directly with someone who would be able to provide that information. After a couple back and forth conversations with various Bank of America representatives I was told on XX/XX/XXXX that there was no claim in their system regarding this check fraud incident. Therefore, I am incredibly confused/frustrated as to what the representatives were seeing and telling me throughout my conversations over the past 11 months.
In XXXX, I applied for a Home Equity Loan through BMO Harris. At the start of the process I was told it would take four weeks and close on XXXX XXXX, 2015. Then I was told due to the CFPB guidelines that it would be closed before XXXX XXXX ( " Unfortunately, it is a little frustrating for customers and myself, because the process is taking a little longer than normal due to new CFPB regulations ( Consumer Financial Protection Bureau ). I apologize for the length of time it has taken to process the loan '' ). The loan was not cleared to close until XXXX XXXX, at which I signed the documents. It is now XXXX XXXX and the funds have still not been released. I have spoke with BMO and have been told that the CFPB allows them to begin processing the loan and releasing the funds after 4 business days from the signing of the loan documents. Now where is this stated on the CFPB 's website. I would like a clear understanding and thorough investigation into the practices of BMO Harris.
I make my routine monthly student loan payments via automatic payment- I have XXXX loans, XXXX subsidized and XXXX unsubsidized. On XXXX XXXX, 2016, I made an extra payment which I wanted to go to XXXX loan only and as a principal only payment. Navient did not have any means on its website to provide these directions, so I immediately sent an email with the instructions. A few days later it was not made, so I sent a follow-up email with further instructions. Today, because it was not corrected, I called to make the change. The CSR with whom I spoke said that I could not make a principal only payment. That sounds inaccurate and illegal.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX ) sent a first letter on XX/XX/2017 stating that a member of our household owed money for a return check and a returned check fee. {$14.00} to XXXX XXXX XXXX and {$25.00} Fee totaling {$39.00}. 

Reference # XXXX This was check # XXXX routing # XXXX with a non-valid checking account number. No one in our household has ever opened an account with XXXX XXXX XXXX. 

We asked XXXX XXXX XXXX to marked this as fraudulent and not to harass us again. They gave us a file claim # XXXX and said they would not contact us again. XXXX has since sent two more letters stating they need our social security number and driver 's license number. And that we still owe {$39.00}. 

This is a SCAM and fraud and we need to protect our credit score/history.
Debt collection remain on credit report after the 50 day dispute process violation of FDCPA disclosure of verification delete all collection from all XXXX collection reporting agency
I had a loan with XXXX XXXX XXXX. i did n't make any payments on the loan for 6 years and due to the " statute to limitations '' the loan collector should not be contacting me any more, by they still are in both forms phone call 's and letters. I am also trying to buy a house for my family and found out that i can not get a USDA loan for the house because XXXX XXXX XXXX has filled the loan as a government delinquent loan. The problem with that is the loan is a private loan not a federal/Government loan. due to the way they filled the lion on my credit report i am not able to buy my first home.
ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Just got a notification on my credit report that this was added yesterday. I have no outstanding balances and dont even own a credit card. My information was stolen in the XXXX data breach.
Disputed XXXX negative items on my credit, XXXX XXXX and Acount XXXX XXXX and outcome was that would deleted from my credit reports with all XXXX credit units. still is reflected on reportAlso a dispute about XXXX and the First Mark XXXX. These car where given to exwife in divorce court, but she will not refinance under her name, but she is pay for them. Need to be removed from credit reports.
Wells Fargo opened several accounts without our permission by using funds in our business account. Because of this practice, I was overdrawn on my actual account. They rectified the situation but it still haunts me when applying for business loans because of the NSF fees that appear on my statements. When I explained to the lenders, they did not believe me because they thought what I was telling them was illegal and could never happen. It happened 3 times in the past 4 years. and it was done by the same person.
I had a corporate XXXX XXXX card issued to me by my former employer XXXX XXXX XXXX. I resigned from the company in XXXX 2014. I turned in the card on my last day and did not have any access to it after that. A charge was made on the card in XXXX 2014 that I did not make, and that I did not authorize. This has now gone to collections. I have tried to dispute it with XXXX XXXX but they refuse to assist since the debt has already gone to collections. This debt is not mine and the collections agency continues to harass me every day including calling my place of employment.
I have been getting constant calls on my home phone at XXXX from this number as well as other numbers associated with Portfolio Recovery. Other numbers include : XXXX XXXX XXXX XXXX XXXX XXXX I have been receiving calls from these numbers for the past month and a half, and even on XXXX and XXXX. There is no message left. I do not pick up the phone because of that. I have also not received any letters in the mail, or any emails regarding this. I am also on the Do Not Call list.
On XX/XX/XXXX I sent a certified letter to XXXX XXXX requesting validation of several accounts they reported on my credit report. They responded by sending me a spreadsheet from XXXX XXXX XXXX which violated my HIPPA rights. I sent a certified letter again in XX/XX/XXXX and XX/XX/XXXX requesting validation that these accounts were mine. I never received a validation with my signature that these accounts were mine. Therefore, I sent a certified letter to both Equifax & XXXX in XX/XX/XXXX requesting an investigation regarding these accounts. I sent a final request to Equifax & XXXX in XX/XX/XXXX by certified letter, requesting validation and removal of these accounts. To this day these accounts remain on my credit report with absolutely no validation via signature that they belong to me. These accounts are also being reported on my husbands credit report ( XXXX XXXX )
I have paid direct with Collector company the amount they ask me to be shuttle with them of XXXX.dollards paid with my creditcard from XXXX direct with them.Then they told me they sent a letter of to be removed from my records. They never did that and still there is the amount of XXXX dollars on my XXXX credit reports.Why?? 
Please contact with them to be removed of my records ASAP. 
Thank you very much for this results of this matter. 
My Email is XXXXXXXXXXXX.
This was a simple collection issue for our company, which was late with a vendor. Instead of emailing me to set up payments or discuss options, the agency in question obviously visited our website, picked up EVERY single email address on the page and sent a confidential email to EVERYONE in the company!! Bear in mind, this was the FIRST attempt by the company to contact us!!
My ex husband left the apartment we were living in and sticking me with the only one paying the lease. We were 6 months into a 1 year lease. After he left i could no longer  afford to pay the lease so i worked out a deal with the rental company to get out of the lease. I left the apartment in great condition and had another person set to take over the lease after i moved out. However, I now have a collection company attempting to collect a XXXX dollars. There is no way that i owed that much even if i hadn't arranged everything. I've tried to call the company and also sent in things to the credit bureaus but nothing is working and they refuse to send me a breakdown of the bill.
I had a assault from this company procollect. I 'm XXXX XXXX And Have Been Threatened With Phone calls, Fino scores, housing issues, higher interest rates, and they have broken the civil service act as Im a XXXX soldier XXXX and they were laughing and yelling at me over the phone over a medical bill from XXXX. I 've been denied home, business loans, and any financial access to loan from this medical bills that are paid off and a furniture bill that is n't mine. I have medical bills paid off from XXXX hospital of XXXX Texas and an furniture bill that was put against me during my XXXX in a XXXX. Both of these are not my bills and have been harassed day and night to include contacting Fico companies fraudulently hurting my ability being XXXX further. This company is called procollect.
I noticed about a dozen charges to my Chase XXXX account beginning on or around XXXX/XXXX/15 in Pennsylvania, New York and California. I have never been to these states and never have used my card. I called Chase XXXX at XXXX and the person told me that my card had been compromised, but that they would immediately reverse the charges and send me a new card. I have now called XXXX ( XXXX ) additional times, each time the person told me that the charges would be reversed and a new card issued. I still see the charges on my account when I check online, and I still have no replacement card.
A number that I was not familiar with called me and when I answered it was a machine asking about a payment and interest rate on that debt. Prompted me to press 1 to speak to someone so I did. This person says that I have a missed payment and I ask him with credit card he is calling from he states Capital one. I do not have a capital one card so I tell him that. He then asks me then what credit card do you have. At this point the whole thing is suspicious and I refuse to tell him any further information and he then becomes rude with me and then clicks.
I submitted a permanent   XXXX   XXXX   by mail on  XXXX / XXXX /2007 to the address provided on the   XXXX   XXXX   web page at  XXXX  ( I have a attached a scanned copy of that request ). Nearly 10 years after submitting that permanent opt-out request ( during the request was honored ), I have suddenly started to receive new unwanted pre-screened credit offers without me ever asking to opt back in again. The credit reporting agencies provide NO way to contact them to find out why they are no longer respecting my prior permanent opt-out. This is unacceptable. Please make them comply with ALL permanent requests PERMANENTLY, as required by law. Thank you.
This account wasnt opened by me and on top of that this account has shown closed on my credit and every month its still attaching a late fee. This company need to properly closed the account and stop charging it every month.
I was contacted by garrettson financial services and was informed that i was being sued by u.s. bank for overdraft fees from 5 years prior. This call was the first time i have heard anything about overdraft fees or a lawsuit. XXXX XXXX demands i pay the settlement with a down payment that is due within 24 hours or i will have my assets seized and my wages and taxes garnished for 10 years.
Pleas check your records. I paid this debt off over 7 years ago and it was just {$190.00}. I paid it off, they refused to allow me access to the number I had been assigned. I wanted to keep my phone number. However, I did pay this off and for 7 years this is just hanging around. Please stop reporting this paid in full account.
Experian is reporting medical collections that are not mine and I and the collection company agreed upon terms to have these accounts removed from my credit XXXX & XXXX XXXX XXXX Recentbalance XXXX XXXX/XXXX/XXXX Dateopened XXXX Status XXXX XXXX XXXX. 
XXXX XXXX, TNXXXX XXXX XXXX XXXX, TNXXXX XXXX Addressidentificationnumber XXXX Originalcreditor XXXX Type XXXX Terms XXXX Onrecorduntil XXXX Creditlimitor originalamount {$590.00}
In XX/XX/2017, I switched phone companies from XXXX to XXXX. XXXX has a switcher or buyback program where they will buy you out the phone up to a certain amount. I spoke with a representative from XXXX at XXXX XXXX as to how long it will take to pay the whole bill off before it reflects on my credit and she told me 6 months. When I was doing the switch for my wife & I, we have to give XXXX both phones, which we did, in order for the switcher program to proceed. They sent one box to my house and as instructed by XXXX ( a worker at the XXXX store ), I put both phones in the box then a week later a second box was received. Up to this day, I've been still trying to resolve receiving credit for the second phone that was traded in and because of that, XXXX has still not paid for the second phone from XXXX. XXXX, in 2 months, sent the bill to a debt collector where I tried to dispute it and they were rude and told me it would affect my credit badly if i didn't pay it and when I do pay it, it would come off my credit ( which i found not to be true anyways ).
This company Clear Path Lending, has sent me mailings that have logo and seals of the Department of Veteran Affairs, when I called they told me they were the VA! I 'm not the only person they have done this to based on looking them up. They have been sued for fraud in civil court which could be found online. Also there is a genetleman that owns the company that they try to hide his same is XXXX XXXX, he is also the same guy the does be XXXX XXXX in a company called XXXX and XXXX and XXXX XXXX. This guy changed his name to XXXX XXXX in the XXXX. They are pretending to be the veterans administration! 


ClearPath Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Account is reporting as charged off since opening date. Account should be reporting as paid, never late. Account is XXXX XXXX XXXX. Account has a limit of XXXX, with the last payment due of XXXX dollars.
Ive had an excellent credit score in excess of 750 for the last several years and somehow my credit score has dropped 94 points to the mid 650s with no explanation reflected on the report. I would like my credit score fixed. 

Thank you.
XXXX XXXX a debt collector shows up on my credit report when this is inaccurate. we called XXXX XXXX and provided the act # : XXXX at XXXX and they could not locate my name or account number, or phone number. We need to have this inaccurate debt removed from all credit bureaus, thank you
A company who calls themselves CBCS is calling my work phone constantly as well as leaving messages on my work phone. In the message they state that they are a debt collector who is attempting to collect a debt.
Our names areXXXX and XXXX XXXX. We have a home equity loan with PNC Bank for the property of XXXX XXXX XXXX XXXX  NJ XXXX, loan number XXXX. On XX/XX/XXXX, we received a letter that the payment system of payment coupons changed to statements and we were supposed to receive a new account with a payment due date of the XXXX  of each month. We would pay during the first few days of the month, but the new system is not allowing us to pay until exactly the XXXX of the month. OnXX/XX/XXXX and onXX/XX/XXXX, we sent our payments, but they were considered as principal payments instead of payment for the month. Therefore, on the XXXX of the last two months we received a call from PNC saying that we did not make the payments and we were delayed.
There are closed accounts showing on my credit report and I have tried to dispute numerous times with no help available. 

Accounts Closed referring to : XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX
My credit showed a delinquent amount with XXXX XXXX XXXX. I contacted them and they forwarded my call to XXXX XXXX. XXXX XXXX offered a settlement amount of XXXX from the total of XXXX to be settled in full with a XXXX  balance. This amount of XXXX was paid as agreed and documentation of receipt was provided. Conns and XXXX XXXX have no held their agreement in showing this account as settled in full with XXXX balance on my credit reports with XXXX, XXXX and XXXX. Instead, they have deducted the settled amount from the total and are now showing on my credit report a derogatory report with XXXX dollars due. 
Paid on XX/XX/XXXX File number XXXX Repeated contact with both companies have been a dead end as representatives from both state that the other company has to be the one to make the correction. 
I am currently under contract to purchase a home with an estimated close date of XX/XX/XXXX and this is negatively affecting my loan application.
For the last 3 and a half years ECMC has been taking payments out of my check every two weeks. Before I left my employer I was told that I owed around 2-3 thousand on it and that it would be done. However,  my credit report still shows that no payments have ever been paid at all. I have been dealing with them for around ten years now. Here I thought I was at the end of this and it shows that nothing has ever been paid. I feel like with payments over the years and payments from my checks that I have paid this loan back several times over. I am sure I can get my financial statements from my old employer showing all the payments that have been paid, but when I speak to them they are hateful and rude and make threats. I am a single mother of XXXX children. I am wanting to buy a house but can not do so because of this company. I don't understand how they can do this to people. I agree I proba ly still owe 1500 to 2000 and would not mind paying it if I knew for sure that it would help. I just want to be able to give my kids a home and provide for them and feel like I cant.
We closed on our XXXX K renovation loan in late XXXX of 2017. First Guaranty Mortgage took over and would be responsible for dispersing the renovation draws to the contractor. The renovation process was to take 90 days. The contractor had been paid a substantial amount of money for work that was n't permitted, was n't completed, and was done poorly. First Guaranty released all these funds without confirming permits or identifying if work was done up to HUD standards. Also, First Guaranty allowed the contractor an extension past the 6 month FHA deadline without my approval. After finally firing the contractor there was an exit inspection scheduled by First Guaranty the results from this inspection determined that the contractor owed me {$27000.00}. Now I am expected to finish my project/renovation with {$27000.00} less in by draw budget. When I communicated my concern with the individuals handling my draws they said this XXXX I wish there was something more we could do. First Guaranty has offered zero support or assistance in helping me determine how to move forward with my project and often times take multiple days to answer e-mails of phone calls.