WillisBack/dataset-financial-user-claim huggingface dataset:
This company called looking for XXXX. I dont know a XXXX but I do have a son named XXXX. They said it was a personal business matter and insisted that I pass along the information and read back the phone number to them. By the time I realized that this was a collection agency calling me about someone elses issue. And by telling me the name of the company they disclosed the nature of the personal business. Anyway. There you have it. They have no business calling me and Im not sure how they got my number, Ive blocked them. 

SIMM associates is a scam the number they called from XXXX doesnt even match the number she gave me. So ... is she just a thief or a con artist? 

Thanks -
PNC Bank has taken over the servicing of the loan on my home that I live in. They are refusing to provide me monthly statements as I received from the previous loan holder. I have several other mortgage loans I received monthly statements on without problem. I am also a licensed XXXX XXXX XXXX and work in XXXX XXXX. It is important to me to be notified of my current monthly standing with my loan. I want to verify my payment was received and the funds were correctly applied. I frequently pay more than the amount due and have seen it incorrectly applied in the past. I also want to be up to date on my tax and insurance payments. I have read online the Dodd-Frank act made these notices a requirement.
I, along with my Mother and Daughter continue to receive threating phone calls of lawsuits and fraud from someone named who claims he works for XXXX XXXX XXXX. He continues to give out my personal information to my family members and calls them all throughout the day. He claims he is acting on behalf of Ace Cash Express but I spoke to them and he, nor his company has anything to do with them. This has been happening for the past three weeks.
I have been lied to numerous times by this company. I lost my job and feel a bit behind. When I was contacted by collections they said I would be put on the Fresh Start program, which was a program, where I paid {$90.00} for 3 months and the account would be re-activated.     When I called in to make my payment, the collections rep said  Well  your account is only behind {$120.00} or some weird amount, and said if I was to pay that my credit line would be unfrozen. I paid that, and the account remained frozen.     Then I was told that if I paid all the collection accounts on my credit bureau, the account would be unfrozen. To date, I have paid every debt I have with the exception of  Discover  Card, who I have been current with for months, but they refuse to unlock my credit line dispute my complying with everything they have asked for me to do to unlock my credit line. I even provided them with copies of the letters from my supposed Bad debts from the data-furnisher themselves, and copy of the certified checks sent to them, but they wont unlock the credit line.     This company has lied me to at leas t seven  times, and their internal collections department will do anything to make you pay more and wont keep up their end of the bargain.     These are a bunch of lying thieves who do nothing more than pray off of sub-prime borrowers.
I SEE that a collection for : SKAGIT BONDED COLLECTION   XXXX   XXXX   XXXX     XXXX   XXXX  , WA  XXXX  Appears on my report.
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I DO NOT HAVE ANY CONTRACT with SBC as they have not ORIGINAL WET INK SIGNATURE WITH ME.
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You have successfully helped me on past issues like this whereby the collection company has REMOVED the collection.
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They have not contacted me either by mail or phone and I have no contract with them proving I OWE THEM ANYTHING.
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THEY ARE NOT the CREDITOR,   XXXX   XXXX   XXXX   IS and since they BOUGHT the DEBT, that 's THEIR PROBLEM, NOT MINE.
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THE CFPB has set precedent in my case, three times, in past requests, where they FORCED a COLLECTION AGENCY to remove their INTRUSION on my credit report with FALSE information.
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HAVE THEM PROVE they have an ORIGINAL WET INK signature of mine and I 'll pay them. The WET INK SIGNATURE MUST BE ON THEIR LETTERHEAD stating I OWE THEM the stated AMOUNT and for what reason. I OWE THEM NOTHING!
I was charged late fees on a account, because the bank raised the minimum payment without advising me.I had a recurring payment setup through my bank. I have a 100 percent ontime payment record for at least XXXX years.
I have been receiving phone call from a debt collector stating that I owe on a account that I is paid and closed. according to my credit report and contact with the credit card company. they have refused to send me a copy of the debt they say I owe and when I ask for their info. they get hostile and hang up on me
On the afternoon of Wednesday XXXX XXXX. I entered the PNC Bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I was investigating a ( NSF ) fee of {$36.00} that had been placed on my account on XXXX XXXX. 
The fee had been placed on my account after a {$1000.00} check had " bounced '' and all the money was returned to my account. I spoke with a female representative within the XXXX branch # in her office about how I should resume to pay the bill in which the Check was intended. She then picked up the phone and called " back of house '' to see if they could waive the ( NSF ) fee. They began to tell her that there was nothing they could do about the bounced check and she would have to contact her manager to request a refund. She asked me if it was my first ( NSF ) fee & it had been. The {$36.00} request was denied. I then proceeded to tell her that PNC had been nothing but trouble lately and I would like to close my checking account IMMEDIATELY! Without any hesitation she said " okay, I 'll close it personally TOMORROW ( XXXX ). I 'll write you a withdrawal slip NOW and I 'll close it first thing TOMORROW ( XXXX ). 
She wrote the withdraw slips for {$1100.00}. I signed them & walked out of the PNC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX with my money, a {$0.00} card balance and trust in the bank representative. 
On the afternoon of XXXX XXXX. XXXX XXXX XXXX I get an email. My account is - {$36.00}! How? Apparently the ORIGINAL " bounced '' check # XXXX from XXXX XXXX that was returned to me, was put thru AGAIN on XXXX XXXX. Now, I have NEVER heard of a bounced check having the ability to be pushed thru the system multiple times. Nor did the PNC agents warn me of that. Now I have TWO -  {$36.00} ( NSF ) Fees on my account TWO bounced checks and ONE bill that still has n't been paid. Now I 'm entirely irritated that this bank representative had ZERO understanding of her own job and that she 's allowed to manipulate customers into paying more fees. She should have known the check # XXXX had the ability to be sent thru again in just a few short days, allowing me to keep my money within the account to successfully complete the payment. She NEVER explained why she was waiting 24hrs to close my account. She also neglected to notify me that my account was overdrawn or that the check had been attempted once more apon the " attempt '' of closing my account XXXX XXXX.
Wrote letter on XXXX to CAINE & WEINER that  negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify  me by mail before placing negative items on my credit report. Advised CAINE & WEINER to removed incorrect information off my credit report. More importantly, CAINE & WEINER are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from CAINE & WEINER.
HSBC has been a horrible lender and they have been the center of continual and repeated issues relating to how they treat their customers. I closed all my accounts with them and actually physically went to a branch to ensure all items closed and my home address provided. Instead, they allowed accounts to remain open so they could charge me overdraft and late fees. I think this is horrible way to treat a proactive consumer.
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The only open item is for an old credit card with high limit of {$1500.00} and Account #  XXXX . I had been paying on-time and monthly via my former checking account. However, since the checking account is closed, they refuse to provide me a monthly invoice so that I can pay. On over six separate occasions, I have requested HSBC submit a monthly invoice so that I can pay down the old credit card but they refuse to send me a bill. In the interim, they continue to report negatively on my credit report.
I need your help please!! I continue to receive harassing calls from a company called XXXX XXXX XXXX XXXX. They claim to be representing HSBC Credit Card Services and stated that they were hired to collect on a debt in the amount of {$2200.00}. They have called my family several times regarding this matter. They could not give me the account number or the date the account was opened. I called XXXX XXXX and spoke with a young lady named XXXX who informed me that they did not hire XXXX XXXX XXXX  or any company to represent them. In fact, they stated that my account was closed when they sold my account to XXXX XXXX XXXX. On XX/XX/XXXX I then contacted XXXX XXXX XXXX XXXX ( XXXX XXXX ) and she told me that my account was closed in XX/XX/XXXX when I filed bankruptcy. My bankruptcy was discharged by the state of Texas. XXXX XXXX XXXX advised me to file a police report due to the constant harassment and what they believe is fraud. I called XXXX XXXX XXXX again to let the rep XXXX XXXX know that neither XXXX or XXXX XXXX XXXX claims to have hired them. Well, XXXX proceeded to transfer me to her supervisor who started yelling at me saying " you owe this debt '' and became belligerent to the point where I had to hang up on him and block the number. These people have all of my personal information and continue to harass me daily. They call from different numbers and although I have blocked several of them ... they continue to call. I tried to reason with these people but they're not listening and will not stop harassing me.
On or about XX/XX/2018, I receive a letter from Citi Bank stated that they were unable to locate my application for XXXX XXXX XXXX Visa card ( please see attachment Citi Card Letter ). Citi bank also request my application ID number on decline letter. 
On or about XX/XX/2018, I provide the Citi Bank with my application ID number on decline letter ( application id XXXX ) via email ( please see attachment ) On or about XX/XX/2018, I contacted citi Bank to ask about status of of my case. 
Until now, Citi Bank refused to give me any answer. 
I believe Citi Bank discriminates against me because of my race XXXX, Nationality origin XXXX, Sex XXXX, Age above 40, and Exercising in good faith my rights under the Consumer Credit Protection Act ( I filed complaint against Citi Bank to Consumer Financial Protection Bureau Case # XXXX )
Bank of America offered me a XXXX reward points for spending {$3000.00} within first 90 days from opening date. While I was applying for the card on the web, small chat window popped up and insisted help. service representative through the chat window suggested me to go over the phone to finish the paper work, and i did it. 
Today, Bank of America have refused to pay me XXXX reward points ( {$500.00} worth ) because that deal was online exclusive and I finished applying process through phone call. I started process with online form. It was the Bank of America that leaded me from online form to chat window and then eventually a phone call. There was no information given to me saying I will lose my benefit for moving over to a phone. They also refuses to refund {$95.00} dollars annual fee because a card has been active for more than a month.
Wednesday, XX/XX/XXXX a sheriff showed up at my place of employment and also at my husband 's place of employment. The sheriff served us papers from Credit Associates for a debt we owe of XXXX to XXXX XXXX. I had made payment arrangements with to credit agency of XXXX. I made XX/XX/XXXX and XX/XX/XXXX 's paymenst.My husband was diagnosed with XXXX XXXX in XX/XX/XXXX and we had a deductible of XXXX per-person. We have many doctor and hospital bills and it 's been very difficult to keep track of them all.That being said, I missed a few payments.My last contact with XXXX XXXX was XXXX XXXX to which I told them I would try to get a loan but because of poor credit we were unable to get a loan. We were still trying to come up with the money when about 49 days later a sheriff comes to our place of employment serving us papers. This was the most humiliating, scary, and embarrassing thing that has ever happen to me and my husband. Now I 'm in fear of loosing my job over this. I 've tried to settle with this credit agency but they have refused.
Equifax, over the years, has maliciously attempted to report inaccurate information. While sometimes I 've had luck removing these items, this time the damage this company has done to me is irrefutable. 
For starters, I have XXXX items showing as " Dispute in Progress '' - for over XXXX days. But if you look at the other image I attached, the dispute shows 'expired ' ( # XXXX ). I never received confirmation the dispute was even completed, let alone expired. This is an attempt to harm my credit. 
XXXX, Equifax claims that inquiries are a statement of fact. They have, on XXXX occasions, granted file access to companies I have never engaged nor wish to receive credit from. The act of allowing someone else to access my file without permission is NOT legal. Moreover, I have had a continuous fraud alert on my file since 2013 which was NOT triggered when someone applied for credit that I did n't ask for. 
Finally, Equifax has continuously spammed my inbox trying to get me to sign up for their XXXX-Bureau monitoring program when I 've opted out of such services.
On XX/XX/XXXX I went into a payment arrangement with XXXX XXXX on my credit card payment. I called them because I knew it would be difficult to make the payments over the next few months. We agreed to close the account and set up a payment of {$210.00} per month. The representative told me to pay {$280.00} then and my next payment would be {$210.00}. Fast forward to XX/XX/XXXX I am about to make my next payment when I see that my account shows I am 30 days late. I called to find out why and they said the account was carrying a balance due. I was never told about this balance or contacted I was behind. I found out after they reported me late. I called to have this late removed and they have refused. I told them I will no longer pay this account until they remove all negative reporting as it was false. They refuse to work with me and only tell me I can fax in my complaint and they have 30 days to respond.
Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XX/XX/2016 letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XX/XX/XXXX sometime. It was in XX/XX/XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.
I cancel my warrant with the dealer I which I was told that over a {$1000.00} dollars would be applied back to Capital One Auto in which I never received nothing showing by Capital One Bank of the credit and should have been mailed back a check by Capital One. It seems Capital One does not mail out any proof to show where the money went.My next issue with capital one auto is last month my payoff balance was XXXX in XXXX my XXXX statement shows a payoff of {$19000.00} it seems it never goes down and when I call there is no clear answer.
convergent OUTSOURCING HAS REPORTED NEGATIVE INFORMATION ON MY CREDIT FILES CONCERNING A DEBT I DO NOT OWE TO XXXX.
American Express sent an email to apply for the Delta sky Miles credit card after spending {$2000.00} I would receive XXXX Delta Sky miles and a {$50.00} statement credit. I completed the minimum spend in XXXX and have not received the bonus.
I have sent several letters to XXXX, Transunion and XXXX  on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting re-investigations into the accuracy of the account, XXXX  XXXX XXXX Mortgage. The credit bureaus did not verify the accuracy of the account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. When you look at the reports that I have included in this complaint, you will see that XXXX  is reporting that I have I was 90 days late in XX/XX/XXXX but XXXX  is reporting that I was 120 days late in XX/XX/XXXX ; XXXX  is reporting that I was " OK '' in XX/XX/XXXX, but Equifax reports that I was 120 days past due in XXXX XXXX. Transunion is reporting that I was 30 days late in XXXX all through XX/XX/XXXX. If I have requested multiple investigations in the accuracy of this account, how come these bureaus are reporting three different payment histories, along with different high balance amounts? I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
On XX/XX/XXXX, we receive notice from Wells Fargo that we had to close all of our accounts in 35 days. We have no idea why. All they would say to us is that we are not beneficial. Wells Fargo purchased the bank that carried the original accounts. We had a question about the exorbitant fees charged for cash deposits. They set us up with a separate checking account for our cash deposits so that we could write a check to our business account without being charged fees. On a separate occasion, I had a meeting with two of the bankers ( I called them wolves ) who tried to frighten me into letting them invest some of my money into different areas. Needless to say, I left the bank very upset.. We had our flooring program through XXXX. Wells Fargo purchased XXXX. We received a letter dated XX/XX/XXXX that our flooring privileges were being terminated. We still can not find out why. We would like to know what we have done wrong. We still ca n't get an answer. If we have done something wrong, we 'd like to be able to correct it. All of our units were paid for on time, and we never had a problem when we were dealing with XXXX. After Wells Fargo took over XXXX, they did an audit of our books and the auditor found everything in order.
I took out a revers mortgage four years ago.my son and granddaughter were support to pay on my taxes and insurance. In XXXX wells fargo sent me posted card. did n't open I thought it was junk mail. They never sent out a formal letter letting me know about my back taxes and insurance.wells fargo never give me and option of repay on the back taxes and the insurance.they sent me a letter for 30 days to comply that I was still living in my home that what started the hold thing.we sent them prove that I was still living in my home. be for the 30 day was up. well fargo still file a default any and started the prceeding of foreclosure .nowing that we was working with them by califorina law they have to work with us I call crop office in made a complaint. we told her the same thing they investigated the issue. well fargo called my granddaughter told her that the house was out of foreclosed, but did not give use anything in writing, but still put a default on the house making it difficult to refiniance the property. I feel that well fargo should have work with me on repaying the taxes in the insurance. instead of the default being file.
I submitted a dispute with Experian XXXX of XXXX. They responded back that it was suspicious. How are they able to come to this conclusion? What method are they using? Im not sure if its a stall tactic or they think my credit isnt serious enough for them to investigate but I have exhausted all options. I do have the right to dispute inaccurate information on my credit reports right? Because as I was looking over my reports because Im in the process of trying to buy a home I noticed several inaccuracies. Can you take a look at this for me please. 

1 XXXX XXXX XXXX XXXX, # XXXX I have never done business with nor have I been contacted by this company. Please remove these accounts. 

2 XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX I read in the Louisiana debt collector laws that a debt collector has to be licensed to collect debts in this state. Is that correct? After looking more into this I learned that XXXX XXXX XXXX are operating with an inactive license. Is this legal? Please remove these accounts. 

3. XXXX XXXX XXXX XXXX XXXX Ive reached out to this company seeking debt validation. I got no response. Clearly this debt is unverifiable. Please remove. 

4. XXXX XXXX XXXX XXXX # XXXX The opened date, payment status and balance are all incorrect. 

5. XXXX XXXX # XXXX This account as well as XXXX ARE ATTEMPTING TO COLLECT THIS DEBT. How is that possible? Please remove.
I sent in payments of {$69.00} and the bank shows it cleared on XX/XX/XXXX, a {$19.00} payment and the bank shows it cleared on XX/XX/XXXX, and a {$530.00} money order on XX/XX/XXXX. XXXX/XXXX XXXX lost all three payments. They asked for proof and I sent them the banks print out of their stamp showing the two back checks were paid. The {$530.00} money order ( # XXXX ) was sent in the same envelope as another money order for {$590.00} ( # XXXX ) on XX/XX/XXXX. The {$590.00}. got applied toward my mothers credit card and shows cashed on XX/XX/XXXX. The {$530.00}. money order which was to be applied to my credit card wasnt applied to my credit card. I faxed a copy of both sides of the money orders also with instructions to contact XXXX XXXX to verify it had been cashed. 

After I faxed them the documentation, I received a letter from XXXX  stating they couldnt ( wouldnt actually ) contact XXXX XXXX to verify their own company cashed the money orders. As they were in the same envelope, I know XXXX/XXXX had to be the one to cash them both. XXXX XXXX charges a {$15.00} fee to tell you who cashed the money order. You can go through their phone system and enter the money order number in and it tells you the date it was cashed. 

XXXX essential y has done nothing to resolve their loosing these payments. Its going on two months and they still havent gotten this resolved