WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call from Asset Recovery Associates, XXXX. XXXX XXXX, XXXX XXXX, Il XXXX. 
There phone number is XXXX XXXX XXXX Initially they represented that I was the beneficiary of a class action recovery involving XXXX XXXX. I informed that I have never had a XXXX XXXX nor aware of any details and therefore not involved. 
Their conversation pivoted and they claimed that I owed over {$15000.00} and had not responded to a previous letter. I informed that I have not seen their previous correspondence and that I had no account relationship with XXXX XXXX and I had nothing more to say and on this topic. 
I received a letter from XXXX XXXX dated XXXX/XXXX/XXXX demanding payment and insinuating that they would report derogatory information to the credit bureaus if the account is not paid in full. 
Additional Information - See Photo of Collection Letter - The account referenced is XXXX XXXX - XXXX XXXX, Account # XXXX, Balance {$15000.00}, Asset Recovery Associates # XXXX My Name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX Mn XXXX, phone XXXX XXXX XXXX, email XXXXXXXXXXXX
I am making a complaint against XXXX XXXX XXXXXXXX and Citigroup/Citibank for decisions they have made to ban or limit banking services specifically related to the manufacture, sale, purchase, including financial transaction or account services for the firearms industry, retailers, and consumers. 

My specific complaint against XXXX XXXX XXXX is that they intend to stop lending to firearms manufacturers. My complaint against Citigroup is that they are essentially creating their own laws according to their XX/XX/2018 blog post : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under XXXX years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. '' Citigroup is additionally discriminating against manufacturers by applying the same invasive rules to lawful and constitutionally protected activity. 

For federally regulated entities to actively suppress lawful activity, constitutionally protected activity, is, in my opinion, a breach of banking regulations and discriminatory. At the very least, it would have the disparate effect of discriminating against white males. No matter what the banks ' intent, the biggest impact would be against a protected class ( race ). But the broader complaint is that banks being regulated, are not allowed to pick and choose customers and industries based on their social agendas, I think that is wrong and specifically against numerous consumer and business protection compliance regulations. They are effectively making law and due to their market size and power, have a restricting and dominating effect on a national level. They are essentially using their massive industry size, to enforce policy equivalent to federal law, replacing the lawmaking prerogative of Congress with the boardroom of for-profit Banking giants.
XXXX and XXXX are incorrectly reporting on my credit report. I have contacted the credit reporting agency and spoken with someone to fix this error. Remove these multiple reports immediately. In addition, I contacted XXXX directly and spoken with XXXX who says that XXXX has ceased reporting on my account since XXXX 2013 and that it should not be there.
XXXX filed a foreclousure claim against me on XXXX. Since then I had tried to resolve this issue and requested a modification of my loan under harp program. Since then I do have suffered almost all the bad mismanagement and horrors stories that you already know from other persons. My file of monthly requested financial information filed to XXXX and their service agents XXXX is like three inches tall and even though the Judge from XXXX Florida instructed them to resolve my case last year byMay XXXX and the diligence of my legal representative XXXX they never modified my loan. On or about XXXX XXXX i did decided to accept a very bad trial payment period of three months for which I did paid {$2100.00} each month up to XXXX XXXX. After my second payment XXXX changed their service agent from XXXX to Selene Financial and I do have made all my payments up to XXXX XXXX but Selene had not do anything to complete my modification request evaluation. Furthermore on XXXX XXXX they provided XXXX and XXXX information that I am delinquent for over 180 days which is totally incorrect and is hurting my credit score. I need your help to make Selene and XXXX finally evaluate and make me a reasonable modification offer under harp program or their own in house progrms on a timely manner. I am also suffering since XXXX XXXX and lost my wife because of XXXX XXXX and have been making all my efforts and sacrifices to resolve this issue and XXXX XXXX XXXX, XXXX and now Selene Financial have proven to be impossible to move forward even thoth the intervention of the Judge. My only hope is all the help you can provide me, thanks to all of you and Congress XXXX XXXX for their fights againts this abusive financial firms.
We took out a mortgage loan on our home with Regions Bank. Our home was paid for. We made every payment on time. XX/XX/2014, Our XXXX great-grandchildren came to live with us. After XXXX, we were hurting for money. I saw on line that there was help with problems in a resolution type thing with Regions. I called the number and spoke with XXXX XXXX in the mortgage dept. After explaining the problem, He said he could help. He mailed the paperwork for us to fill out. A payment was due and I asked what to do. He told me NOT to make the payment!! Even saying that might clear up my problem and let me use that money to catch up. He said it should take around 30 days to process the request. When the 30 days were almost up, I called XXXX again to see about the next payment and he said not to pay that it should be resolved soon. He did say it would go against our credit rating, but would be okay once it was settled. Our request was denied by Regions because we made too much from XXXX. The very next week, XXXX called me and asked when were going to catch up the payments and denied telling me not to make them. I have called and spoken to XXXX, to his supervisor and his manager. They say none of the calls were recorded and therefore, I have no proof. I do n't know what to do. I am XXXX and my husband is XXXX, all we have coming in is our XXXX. We have XXXX of our great grandchildren still. We have listed our home for sale and I 've told the bank that 's all I know to do!! We have NO extra money. The bank calls every 2 or 3 days to tell me if I miss one more payment, they will have to foreclose!! We ca n't get a loan or anything now because those two payments missed are on our credit report. 
PLEASE HELP US I do n't know where else to turn.
After several attempts to recoup the overpaid dues in escrow XXXX and Lakeview Servicing have used several different attempt to use errors in accounting to deceit the buyer into a larger escrow balance than what is due. {$6200.00} over 12 months would be {$520.00} every month. They have charged an excess and have even made statements like you failed to pay a supplemental tax, they provide no proof of this. After even emails with the compliance director of Lakeview she tried to explain the reasoning of the issues. She stated that there are no errors and that if I have an issue that I should contact XXXX. The issue I have is {$520.00} is missing from escrow. I have identified what we should label money laundering. They state the overage is {$1200.00} where they only have bills and receipts for a total of about {$4500.00}. {$2600.00} for hazard insurance and {$1900.00} for taxes. This is a total of {$4500.00} if ytd over XX/XX/2018 to XX/XX/2018 XXXX is over. They only issued a check for {$1200.00} so where is the remaining {$520.00}? That seems very close to the missing money from escrow. Please identify issue and reprimand both companies and all associates involved as CFPB was already contacted on this issue with a falsified response.
I have made all payments on time or early. I made a payment on XX/XX/XXXX. On XX/XX/XXXX the payment I made to them was refunded back to me. I called them and asked them why the payment was refunded and they said they were n't sure but my account was labeled paid in full so they told me not to worry about it. 15 days later I received a call from them stating my payment had not been made and that my account was delinquent. I told them what I was told the last time I spoke with them and how they said I was all paid up. I also told them about the payment being refunded. I also had my bank fax them proof that the payment was made and then refunded. They have disregarded all of this and continue to call me every 7 days threatening to take my car away and ruin my credit. I am a XXXX woman in her XXXX 's and I do n't know what else to do about this.
I applied for Bank of the west checking account promotion online since they were offering {$150.00} credit. I completed all requirements to get the bonus and to my dismay I was denied claiming another house hold rep received a bonus this year. I called BOW customer care and spoke to someone right after acct opening and these guys are not organized and only specialized in wasting valuable customers time. I asked customer care rep If I qualify for the Bank promotion that I applied. I was told that I am qualified and I need to wait until XXXX XXXX to receive the bonus and they never told me that I am not qualified since another house hold rep received a bonus this year which is not true. 
I am checking my tax returns for last year 2015 and I do n't see a XXXX interest income statement from Bank of the west and I do n't have any promotion applied to my account this year either. Same is true for my wife since we file taxes jointly and no other household reps lived at my house.
On XX/XX/2018, I had applied for a line of credit, with a lender. I was denied due to the fact that, Santander Consumer USA, has continued to report negative and incorrect reports about my past credit with them, to all credit bureau 's. After trying to correct this era with them on several occasions, they still haven't done so. I had retained a credit repair agency, to help me rectify this problem, and as of today they still haven't done so. I am now reaching out to Consumer Finance, because I feel like my rights have been violated, Under the Consumer Finance Rights.
So my fee is {$40.00} a month.I pay the bill trough my bank account so i have proof.So i get in the mail i have a late fee saying i payed late.I call the representive n they tell me theres nothing they can so about it.So now i have to pay {$75.00} n the interest rate went up.All they do is raise the fees and interest rate.
In 2010 I applied for the XXXX XXXX XXXX XXXX XXXX. I received a letter for approval indicating that all loans eligible for the program would be transferred to FedLoan Servicing and the others went to XXXX XXXX. I paid on these loans for 5 years only to be told last year that only XXXX of my loans ( out of XXXX ) with Fed Loan Servicing qualifies for the program. This is in direct contradiction of the initial approval letter. I do n't have XXXX special loan, all my loans fall into XXXX of XXXX categories so this makes no sense to me. Of course it is the smallest loan that only qualifies. Up until this point all loans where on the same repayment schedule/had the same due date. Now this loan has been separated out and has a different due date. I was told I can consolidate the loans, double my interest rate and then all loans would qualify for the program. I do n't understand why this just came up last year, why the loans where transferred to them if they do n't qualify and now 5 years of payments mean nothing. I would have to pay on the loans for a total of 15 years as opposed to 10 years thus never obtaining the benefit of the program. Why did they ever end up with my loans if they did n't qualify? I smell a rat and I do n't like it
The following information is incorrect and is recorded on my Trans Union Credit report - several years ago ts same report had shown up on my XXXX Credit Report and I sent an online dispute and the item was removed - showed same amt and creditor but had an open date of XX/XX/XXXX and an address was a rental property in XXXX I owned XXXX years ago. I have tried to call XXXX and no answer - just loops - and I have written with no response. Tis is NOT my account -- and info is over XXXX years old!! HELP. XXXX XXXX XXXXAccount DetailsLast ReportedXX/XX/XXXXCollection AgencyXXXX XXXX Original CreditorXXXX XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed DateResponsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXSee something wrong? 
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I am a co signer on XXXX private loans that was originally with XXXX but of course is now Navient. We are having all the problems you have descripted in this lawsuit. No way out and they have screwed us all and want answers Now
There was a hard pull inquiry from XXXX put on my account on XX/XX/2018. I did not authorize any hard pull and was not notified there would be any hard inquiry on my file. I have tried to call the company they said they would look into the matter and over 30 years has passed.
I took a loan with Big Picture loans. They were supposed to deduct the first payment on XXXX XXXX. I checked and it was not done. I called to ask why and they said they did attempt to deduct it but my bank denied it saying I stopped payment on it. I checked with the bank and no such thing happened. They then said they would deduct starting XXXX XXXX. No deduction and today I get a message again saying that my bank denied it and that I had stopped payment on it. This is totally incorrect. I feel these people are taking me and eventually will tell me I am past due when they are obviously not deducting the monies. I am not going to contact them again this time as they are lying. My bank said no attempt was made by them to deduct monies and there is no record that I stopped payment. They already want to charge me {$30.00} for being late when I am not late it is their fault. These people need to be stopped.
They repeatedly keep attempting to collect debt from me when it's impossible to pay for anything because there is no gold or silver in circulation. According to the UNITED STATES CONSTITUTION Article 1 Section 10. There has not been Gold or Silver in circulation since 1933.

I am asserting my right to discharge the entire amount. I have the right according to UCC and Creditor/Debtor Law, and according to HJR 192.
XXXX. Paid off car loan, # XXXX on XXXX/XXXX/XXXX, {$8800.00}. Requested title to be expedited and sent to home address. I was told I would receive a letter followed by an email notifying me of tracking number. Neither were received. 
XXXX. Called XXXX XXXX US Bank, lender ) beginning approximately XXXX/XXXX/XXXX. I had several phone calls. ( I did not track the number until below. ) XXXX. On XXXX/XXXX/XXXX, XXXX, call lasting XXXX minutes to XXXX : Informed " must be some mix up ''. Will send again. I agreed to call back with my mother 's XXXX account number in order that the title could be XXXX express overnighted. 
XXXX. XXXX/XXXX/XXXX, XXXX, call lasting XXXX minutes to XXXX : Provided XXXX account # XXXX. XXXX informed that could only send to a XXXX office since it required a signature and I would not be home. We agreed on the XXXX office : XXXX XXXX XXXX, XXXX, IL XXXX. She said the title would be issued and sent by the end of business on XXXX and I would have it XXXX/XXXX/XXXX. 
XXXX. XXXX/XXXX/XXXX : XXXX, XXXX minute call to XXXX to XXXX inquiring on account # XXXX - with destination to the XXXX XXXX. I was informed no activity on the account. 
XXXX. XXXX/XXXX/XXXX : XXXX, XXXX minute call, to XXXX XXXX US Bank XXXX. XXXX with XXXX. I informed her of all of the above. She said they did not have a record of me calling back at XXXX to give the XXXX  information. I replied, " You record all your conversations. You are able to check. I have it here on my phone. '' I informed her that I NEED the title to my car ; that I have a buyer ; that I have already lost XXXX buyer. '' She has informed me " she will speak with her supervisor. '' I paid off this loan over XXXX weeks ago. I deserve to have the title to my car. US Bank will not release it. I have tried every remedy I know. The local branch has no authority.
I have spoken with my CC company twice and with the Transunion on many occasions. I will attach the screen shots at the bottom. Transunion has removed my oldest CC account from their system and isn't taking responsibility for it. They keep blaming the CC company and the CC company says, " it's not us but Transunion, we report every month ''. Also, I filed a dispute with Transunion on an account, which is paid in full and is reported to the other credit companies but their investigation still shows the account to be active. It was an auto loan paid off on XX/XX/XXXX. They also haven't updated their information on other accounts as I keep a XXXX balance except for one card ( to keep my credit score high ). I have an XXXX credit score with the other institutions except for Transunion, which has just down graded my information due to removing the account. Now, 17.8 years of history is missing and they said I never had the account reported to them. If this were true, then their company wouldn't have shown that the account was removed in an alert. It seems to me they are doing something illegal or have a computer glitch which needs correcting immediately. Everyday this goes uncorrected affects my ability to buy my XXXX XXXX. When it comes in from XXXX I need my credit to be at its best. Please take care of this ASAP. If their system is messing with my credit, just think how many others they are messing with. I cant be the only one seeing these discreteness. They keep trying to push the blame onto someone else, when it is clear it is their system. I have placed each screen shot in order of how it shows up on XXXX XXXX as it would be in a full length page and am showing you my XXXX report which gives my credit score and the actual account in question.
I have disputed XXXX bankruptcies are listed on my Experian credit report. They XXXX came back verified. I asked Experian to re-investigate these accounts and per section XXXX of the FCRA send me all the information from their investigation such as who they spoke with to verifty this information and on which date. I contacted the bankruptcy court and I have a letter from them stating that NOONE has every contacted them to verify this information so my question to them is how are they able to verify this and have it listed on my report. Another thing is the information that they have on my report in inaccurate and incomplete. I had to search for the correct mailing address because the address they have listed on my report in incorrect. I have a copy of the mail that was sent back to me returned to sender. How is this accurate and verified when the address they have listed is WRONG. Also, the information is incomplete. The claim amount is listed as {$0.00}. The Liability amount is listed as {$0.00}. How is this accurate and if a TRUE investigation was done it would be complete. I would like this incorrect and inaccurate account deleted from my credit report.
Checked my credit report to find that I have a negative claim  from Swiss Colony ( A ccount #  XXXX  ). It states that the date opened was  XXXX   XXXX ,  XXXX , was then closed, charged off and the status updated  XXXX   XXXX ,  XXXX  and the balance is {$640.00}. Last updated  XXXX   XXXX ,  XXXX . I have never ordered fro m Swiss Colony be fore so I called the company at  XXXX   (   XXXX   )   XXXX . The representative told me that I ordered throughout the last few years and that my  s ocial security number was used. The representative then said she would flag it as fraudulent and send me paperwork to file. She never offered to cancel the charges just to say that she ca n't promise the collection agency wo n't still be trying to contact me.     I called bac  k 30 minutes later to see if they could give me the address these items were being sent to but they would not release any information to me. I 'm not sure what the next steps should be as the company will not give me any information and this is negatively effecting my credit score.
Thank you in advance for your help.
companies promised free credit reports, I entered my personal information, but the companies wanted to charge me to unfreeze my credit scores -- -- -they still have my confidential information. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX
A company by the name of Messerli and Kramer is sending me letters asking for payment on a debt I know I do not owe. They claim I owe XXXX XXXX. I had an account from XXXX XXXX back on 2006, which is currently reflected on my credit report as paid. If this is company is demanding payment for an account from 2006, they could be under violation of the FDCPA because the account is older that the statue of limitations in my state. I want this company to stop the harassment of their collection tactics, since they have not send me anything regarding the validation of this alleged debt. They are demanding payment from XXXX XXXX, but I am not XXXX XXXX, I am XXXX XXXX. All I get from this people is a letter demanding payment for this debt
I was served to appear to respond to a credit card debt owed. 
I never received a failure to appear from the court in a amount that was incorrect. I was informed by a Law firm that a judgement was rendered in the incorrect amount and I authorized them to with draw from my checking account a amount that I could only handle for seven months. The law firm would not accept a lesser monthly amount. The original loan was {$1900.00}. I paid to XXXX XXXX {$700.00}. 
XXXX sued me for the arbitrary amount of {$3200.00}. I paid the Law firm {$700.00}, which brings my amount to {$2200.00}. Despite paying {$1400.00} on a original loan of {$1900.00}. This is my second complaint concerning this practice of playing loose and fast with the process. 
Last week I called XXXX XXXX XXXX XXXX. They had no knowledge of any of my dollar amounts and told me to call, Fenton & McGarvey Law Firm, P.S.C. Each of those collectors told me too call the other collector. No one would offer any advice other than wait for my bank to contact me.
The bank Capital One I used have credit card with and closed was fraudulent re-opened after my knowledge back in 2015. Just this last 2 months my credit score dropped drastically by 80 points. When I pulled my XXXX  it said I had card opened with Capital One with limit of XXXX and balance for membership fee. When I contacted Capital One and spoke with the Fraud department. I let them know of this account not being opened by me and they escalated the claim. I filed a formal complaint with there fraud department. They assured they would resolve it and when asked on why this happenned they had no valid reason. They have charged me memberships fees without my knowledge and after explicit closing this account they kept it open. This has effected my credit score by 70+ points and Capital One has been very unhelpful and fails to take accountability. They have reported