WillisBack/dataset-financial-user-claim huggingface dataset:
I received XXXX calls from a person naming herself XXXX XXXX : She stated in the message that legal claim was filed against me and that I should call XXXX for more information. She gave the docket # XXXX. She called my Cell XXXX times and my job XXXX. Saying she had to verify information to serve me or call the company, XXXX XXXX XXXX and also Lakefront Processing Solitions. She left XXXX company names in the voice mail. In calling the company I spoke to a XXXX who stated I owed a Pay Day loan from 2012, I stated that was not possible as I did not request a pay day loan was for XXXX 2012. He then said the company was called XXXX that gave the loan. I advised that the loan was not mine, my credit report did not see this loan at all and he said well good luck. To which I replied I am putting a fraud alert on my credit. I have noticed that looking up this phone number and company name, that they have been calling lots of people in order to collect debts from the same month and year. They appear to be phantom debt collectorsThey appear to have a parent company as this name is a Ghost Business in the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, New York, XXXX
On XX/XX/18 at XXXX XXXX I transferred {$120.00} using XXXX through my bank account ( USAA ) for a concert ticket to XXXX XXXX XXXX and never heard from him again. Contact my back ( USAA ) for a refund they submitted a request for refund to his bank.
The credit reporting agency is reporting the collection account XXXX XXXX XXXX as my account this account is not mine. Also the account has been deleted off my account and reinserted back on my credit file.
My banking institution, PNC Bank, initiated a debit memo from XXXX account ( herein referred to as " Acct XXXX '' ) in order to fund my other account ( herein referred to as " Acct XXXX '' ) in order to bring Acct XXXX closer to a positive balance. In that process, PNC Bank caused Acct XXXX to go into overdraft for other transactions and charged XXXX overdraft fees. Now XXXX accounts have negative balances. I believe that this practice is unjust. I am attaching screenshots of Acct XXXX and Acct XXXX showing ( XXXX ) the debit memo, posted transactions and overdraft fees in Acct XXXX and ( XXXX ) the debit memo credit posted on Acct XXXX.
XX/XX/XXXX I reached out to XXXX to inform them that the account that they are reporting under my social is a result of identity theft. XXXX informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. 
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.
Recently received an order from my employer 's Human Resource Department that my wages were going to be garnished due a student loan. Now, I was aware of the actual student loan, but the garnishment of not only my wages, my taxes where also seized. Thus, I called the collection agency to verify and they HAD THE WRONG ADDRESS!! It was a residence I lived at approximately 6-7 years ago! I was under the impression that I 'm suppose to have at least 30 days of notification of the actual wage garnishment! But it was sent to an old address. Furthermore, the amount the agency asked for is susceptible. This story is " To Be Continued '' hence I have to forward my now residence information!
This account was opened XXXX XXXX 2007 and was in my spouses name. I was never on this account to my knowledge. Now it shows opened and a balance of XXXX dollars. This also only shows on XXXX  and nothing else.
I have a business that often receives payments made out to my business name, my clients name ( s ) and their lender 's name. Their lender requires my business to endorse the back side of the check with a signature guarantee, which is performed at the branch level of a bank by an account manager ( desk employee, not teller ). To my understanding a signature guarantee from the bank means the bank is guaranteeing that I have an account with them and that I am an authorized signer on that account. If that is all it is, how can and why can my bank place a limit of {$25000.00} on the amount of check they are guaranteeing my signature for. The funds from that check are not being placed in any account with that bank. The bank has no apparent liability. They will perform the same action on any check under {$25000.00}.
I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX and again on XX/XX/XXXX regarding 2 collection accounts on my credit report. Both times I have requested proof of the debt. They refuse to provide proof of debt and have stated its the original creditors responsibility to report it to them. 

I spoke to original creditor on both XX/XX/XXXX & XX/XX/XXXX they state that they have no open account. Dates on " collections '' are from XXXX.
I worked out a partial resolution to an outstanding bill for XX/XX/XXXX and XX/XX/XXXX that XXXX XXXX claims I owe. I disputed the debt yet XXXX forwarded the debt to Vantage Sourcing ( a debt collector ). XXXX referred the full balance that was due for XX/XX/XXXX despite the fact I paid for the services provided during that month. In fact, XXXX agreed I was entitled to a partial refund. XXXX also sent the entire XX/XX/XXXX payment to collection when they did not provide cellular service to me during that time.
A person called me claiming that were collecting a debt from XXXX and that they worked for a company called XXXX, which when I search it is a clothing company, and called from a number that when I searched it did not show a name of a company. The number is XXXX XXXX. 

They threatened to serve with me lawsuit papers if I did not pay them the amount owed of {$820.00} today., They stated that they knew where I worked and what day I get paid. 

Very threatening and abusive
Discover Card called my home to verify I submitted an application for credit I said I did not and they wanted my to verify my personal information. I said I would not since the phone number and name of business that ne was calling from said unavailable and that I had an issue with persons stealing my mail. He stated that Discover card did not have to protect me the consumer under the fair credit act. he placed some one else on the phone she said call me back at XXXX and ask for XXXX XXXX. I told here to send me a letter with the detail so I can protect my identity. She advised me that the application would be canceled but no details would be provide due to privacy law. So the bad guy is protected by the law while I get my identity stolen. 
Prior to this a credit card was stolen from my mail activated by XXXX and fraud charges were made $ XXXX. I reported this to XXXX XXXX XXXX they just said they would write it off. Complaint filed with the local police and with the USPS. Requested that the credit reporting agency place a alret on my credit and Discover is stating no such alert is present. How do I protect myself now.
Roughly 10+ years ago I closed out my accounts with JP Morgan Chase Bank XXXX in order to close out an unsecured line of credit I had to pay it off. I did that to close out my account roughly {$500.00} payment when I closed out the accounts, and now I get this late payment that showed up on my credit report after 10+ years stating I owe close to {$900.00} dollars. I have never had any payment schedules or notifications in the 10+ years because I paid it off. Upon calling them I am told I need to show proof I paid it off. I would like to think that if indeed I had not paid it off ( which I did ) I would have immediately received late payment notifications. I left Chase bank because of some poor customer service and charges that were way out of line with the other banking institutions.
My wife and I closed on a house in XXXX, TN in XX/XX/XXXX. We utilized a conventional loan structure on a loan amount of {$250000.00}. At the time, housing prices in our area were increasing quickly due to tremendous demand. Our lender notified us that, once we had realized a gain of 20 % in equity based upon the increased market value, we would be able to drop PMI. 

Since XX/XX/XXXX, housing prices in our neighborhood have continued to climb at a rapid rate. The XXXX housing market has proven to be one of the hottest in America. We currently pay $ XXXX in PMI, so freeing ourselves of that payment has become a top priority. We have made XXXX payments on the loan and have never been late on a payment. A comparable home sold on our street and, using the price per square foot that it sold for, we would have realized a 20 % gain in equity. I will attach that information, along with other comparable home selling prices, in the attachment portion of this complaint. 

We have added a 16 ' x 20 ' wooden deck to the back of our house. We have also added a 6 ' tall wooden privacy fence around our enormous back yard. 

Once we closed on our home in XX/XX/XXXX, our lender sold our loan to a company called Amerihome.  In earlyXX/XX/XXXX, I reached out to Amerihome to find out how I began the process of dropping PMI from our monthly mortgage payment. The responded with a letter that stated : " PLEASE NOTE THAT WE CAN ONLY CONSIDER THE INCREASED VALUE OF THE PROPERTY DIRECTLY RELATED TO THE IMPROVEMENTS MADE. WE CAN NOT CONSIDER INCREASED VALUE RESULTING FROM MARKET CONDITIONS. '' Amerihome went on to state that, if I wanted to continue with my petition for dropping PMI, I would need to order an appraisal through them. I would need to send a check for {$470.00} directly to their office. 

My complaint stems from wanting to know my rights in this situation. Should Amerihome recognize the increase in market value as realization of equity? If I sold this house right now, I would not entertain any offers below {$33000.00}. Should I be forced to use Amerihome 's appraisal company? One would think it would need to be an unaffiliated appraisal company. 

I have attached below four items : 1 ) The response letter from Amerihome 2 ) A list of comparable homes ( along with selling prices ) that have recently sold in my neighborhood 3 ) A picture of the deck that we added 4 ) a picture of the fence that we added
I'am complaining about this rushcard problems I need my money, lost my apartment and card because I ca n't access my account for a whole week I'am XXXX sick of this mess
I was not receiving regular communication about my account from my bank. I was not getting quarterly statements like I was supposed to. I also was never informed that they were starting to charge fees for their savings account. When I finally did get a statement I saw the fees and called customer service. I requested that the fees be reversed because I was never told about the fees and I requested a supervisor call me and explain why I was never told and to have the fees reversed. My final request was that the account be closed to prevent this from happening again. I was never called back, the account was never closed, and the fees were not reversed. I asked that the account be closed at least 5 times. And I made the request e to 2 diff erent reps. BofA is defrauding their customers by charging fees without informing them, not sending regular statements, and when requests are made on the accounts, those requests are not fulfilled. I want ALL of my money back, I want ALL fees reversed and I want the account closed. This " bank '' is a joke.
Hello, Yesterday, the IRS put a levy against my bank account. Bank of America decided to levy my entire amount then to charge me {$100.00} for admin fees -- - thus actually overdrafting an account that minutes earlier had over {$6000.00}. They then, of course, charged me an overdraft fee. 
I immediately called the IRS. We agreed that they could have {$1000.00} and they would release the rest right then. They said it could be instant or take 24 hours. Today, my account is still negative and another overdraft fee. I called the B of A legal department. They claimed they received the order to release this morning, and the funds should be available by tomorrow. I am guessing they will tack another overdraft fee on my account. 
I do n't understand why B of A levied a greater amount than I had in my account. They should have pulled their admin fee out first, of course. They purposely made my account negative. I got the levy released immediately. This is clearly just a mistake. I have been with the bank since I was XXXX ( XXXX now ). I do n't think I should be punished because B of A themselves overdrafted my account. I do n't think I should keep receiving overdraft fees because I am waiting for them to take the hold off of my account that they placed. 

Thank Bank of America.
I did not give these companies permission to pull my credit reports. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Someone stole my identity and ordered products from XXXX XXXX. When I found out about this checking my credit report, I immediately contacted them and spoke with a supervisors and they said they will handle this. A couple months later they sold the debt to another company which is illegal because I informed them that it was n't me. The name of the new debt collector is Jefferson Capital System opened XXXX XXXX 2015. This has really affected my credit score and I requested them to send me the information they have on file for me and delete the fraudulent charges. The balance is {$2600.00}.
PayPal - I purchased a XXXX watch from a listing online via PayPal invoice for XXXX euro - shortly thereafter I realized that the seller was a complete fraud, and had sold the same watch to a dozen or so people. I filed a dispute with PayPal, as this is clearly covered under their buyer 's protection policy. They closed the case in favor of the seller several times, and after countless phone calls and emails trying to help a completely inept customer service department ( in what sounded like an XXXX country ) listen to logic and reason, I was running out of time to file a chargeback with my credit card company - which I did, and a majority of the funds were recovered without a problem. However, the remainder was paid by my PayPal balance ( which is unavoidable, if you have a balance, they use it ) - and I have now been told ( despite it being clearly covered in their policy, and having documentation they had no reason to dispute the chargeback ) that I have to reclaim the lost funds directly from the seller. Previous issues with PayPal have not been this awful, but at nearly every single step with this one, I have been given different reasoning behind their actions ( nothing consistent ) and nothing has been handled the way customer service should behave to a long time ( 15 year ) customer.
I took out a XXXX improvement loan from XXXX which now has split into XXXX companies XXXX and Navient. My loan was moved over to Navient. As per their instructions I use the new loan number supplied to pay my loan monthly through my online bill pay. On the last three months I get statement that have late fee penalties stating that my loan is delinquent when the loan was paid before it was due. My bank statements show that Navient withdrew the funds, but when I go online and look at my account it still shows delinquent. I tried speaking with their customer service and they stated that they did not receive the payment when my bank shows a payment to them for {$60.00} on XXXX/XXXX/15 the loan was not due until XXXX/XXXX/15. The same thing happened the previous month and it took repeated phone calls to get the matter cleared up and the late fees refunded.
I had a credit card debt through Washington Mutual go to collection in XXXX. In XXXX of XXXX, I paid the debt in full through XXXX, a law firm in XXXX, Kentucky. I received a fulfillment letter from XXXX. 

On XXXX XXXX of this year, I began receiving calls from ( XXXX ) XXXX regarding this debt that I had already taken care of. My mother, brother, and sister have also received numerous calls from the same agency. As best I could tell, the company name is XXXX. However, I could not find it on the internet and the callers and call-takers sounded to be from XXXX. Some were very difficult to understand. 

I told the callers that I had paid that debt and that I would e-mail them a copy of the fulfillment letter. They insisted I fax the letter. I do n't have fax capability. At first they would not give me their e-mail address " for security reasons ''. I asked to speak to a supervisor. The caller then gave me XXXX e-mail addresses, neither of which were good. I have saved a copy of the e-mail I attempted to send them. 

I called the agency back this morning after learning that my e-mail was not delivered because of a bad e-mail address. After two or three highly frustrating calls, I finally spoke to a supervisor at XXXX who said she was making a " cease and desist '' notation in my file and assured me that I or my family would not be receiving any more calls from them. 

At XXXX XXXX, both my brother and I received calls from the agency. My mother received a call from them at XXXX My sister also received a call from them sometime AFTER XXXX when I spoke to the supervisor. 

When the agency called me at XXXX this morning, I answered and abruptly told the caller that I spoke to a supervisor at XXXX this morning and she was to have entered a Cease and Desist note in my file and I wanted to know why they were still calling. She told me I did n't have to talk to her like a child. I asked to speak to a supervisor and she hung up on me. I called right back and asked to speak with a supervisor. This time a male call-taker hung up on me. I called back a third time and my phone number was blocked. I called back using a XXXX phone number. The call-taker asked what I needed. I said I wanted to speak to a supervisor and she hung up on my as well. 

I have made a good-faith attempt to provide this agency with proof of fulfillment and they continue to harass me and my family with their phone calls - even after I was told we would not receive any further calls from them. Please look into this company. It appears after XXXX the company phone number, there are several other people who have had bad experiences with callers from that number. Some thought it was a scam.
I applied for public service loan forgiveness in 2015 and submitted the application twice and never heard from them, even when i called them. Now i have resubmitted again and was denied due to incomplete employer address. I called and corrected it and they said they would process it and i have n't heard back from them since that phone call a month ago. Now i am trying to recertify my ibr plan and have received XXXX emails stating they 've recieved my application on two different days, which does not inspire confidence in their process. My payment which i cant afford is now 2 weeks away. They need to be held accountable for the services they fail to provide to borrowers.
I am default on my Fed Student Loans. I was contacted by Navient ( XXXX ) to work with me to rehabilitate my loans in XX/XX/XXXX. After going through a 1 yr program paying {$50.00} a month I received a new bill from Navient increasing my payments by hundreds of dollars. 

I contacted Navient to see what could be done to reduce the payment back down and automated phone system would just reroute my account to speak with an associate that refused to discuss my Fed Student Loans until I paid off a private debt they had on me. 

I was not aware and could find no documentation of a seperate debt and informed the associate I was calling to dicuss my federal student loans. Which he refused to discuss. This took place late XX/XX/XXXX at which point i once again had no choice but to let my loans go into default because Navient refused to discuss my repayment plans. 

I am once again trying to figure out how to get my student loans under control from XXXX which has since closed due to the remove of Fed funding by the Federal Department of Education. I have now learned that the Fed is sueing Navient for the exact issues that led to my loans going into default again as well.
I have been building my credit for the past 9 years. I have multiple credit cards such as XXXX, XXXX XXXX, XXXX. I have student loans. I have credits on XXXX XXXX etc. 
I have never had a problem when companies ran my credit. 
However, I recently moved to south carolina and when I tried to buy a car on XX/XX/2018 and they said my EQUIFAX report had a hold. 

I called equifax several times, gave them all my personal info, and they said they have absolute no record of me. I then called my creditors to verify the spelling of my name and ssn and they all said that they report to all three credit bureaus. 

I am unable to get electricity in my apt because of this issue, hence I am unable to move, so I have been paying hotel for an extended amount of time. 


I need urgent help please. 


Thank you XXXX
On XX/XX/2018, my sister had a XXXX XXXX  her from talking or moving. A power of attorney was granted to me, XXXX XXXX XXXX, XXXX XXXX  in XX/XX/XXXX of that year. The power was notified before my sister had completed the XXXX ( XXXX XXXX ). She was judged to be competent by her physicians. I forwarded this with a request by M & T bank to change the address so that I could pay the account. They refused to honor the power of attorney and would not discuss the reason. My sister was undergoing XXXX treatment and I was personally trying to straighten up her bills. As a result, M & T bank was paid {$3300.00} on XX/XX/2018. M & T bank would not send me a bill or statement. On XX/XX/2018, my sister died and I forwarded M & T Bank a copy of the death certificate and my appointment as Administrator of the Estate. The only bill I could find from M & T bank continued to show a balance and it was repaid again. M & T bank has refused to discuss any dertails of my sister 's account with me despite forwarded their requested information. After 3 phone calls and another forwarding of documents, I finally was asked to personally deliver a copy of the death certificate and my appointment as Administrator. I took pictures of the event. Now two weeks later, M & T bank which has closed the account because I notified them of my sister 's death have collected the debt twice, they still refuse to give me any information, they claim that they hold any excess payments for two months even on closed accounts, and they hold an excess {$2700.00} paying no interest and refuse to add a forwarding address which I have requested. Any excess payments they say will go to the address of the old record, which they will forward to a branch for pick-up should it be returned. The account was in the name of XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, Pa XXXX last four of thye account XXXX. I don't have the complete account number.
I applied on line for a free report because I was declined credit based on an Equifax report. After filling out all their info they told me they could not deliver it on line and I can request it by calling XXXX. After calling and inputting info, unless I was willing to pay for the report, I would have to send them all sorts of information by mail. Both efforts were a total waste of my time, Equifax should have stated online, what was needed to get the report rather than giving the impression that if I pay with a credit card I can get it now.