WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX ( XXXX ) starting calling me XX/XX/XXXX and have called everyday since, with exception of Sundays. They never leave a message. They have called sometimes twice a day using four different numbers which I have searched online and have come back with their information. 
Here are the numbers : - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX I had answered one call from them, however they would not identify who they were and why they were calling without me verifying who I was, and I will not identify myself because of all the scams that are going around. Also, it is my understanding that they must identify who they are and why they are calling. 

I received a letter dated the XX/XX/XXXX, but the letter was not received until the XXXX, but they started calling on the 13th. It my understanding that they can not call you before the letter is received. 

My debt was originally through XXXX Hospital/XXXX. I had been in contact with them and made a {$30.00} payment to XXXX on Friday XX/XX/XXXX. I received the letter Saturday XX/XX/XXXX and was unable to contact either place of business because they were closed. XXXX called Saturday the XXXX at XXXX EST , which was XXXX their time. They close at XXXX on XXXX, which only gave me a window of 13 minute to call them back. Which I would have, if I had received the letter before that time. 

I called XXXX today ( XX/XX/XXXX ) to ask if my account had been transferred to XXXX and they had no knowledge of this and had not received word from the hospital to close the account. They were going to look into it and I am going to call them back tomorrow ( XX/XX/XXXX ) to find out what the outcome is. 

I then called XXXX today to explain the situation. They were trying to argue that they had purchased the account and that XXXX was lying to me and to not believe them. I tried to explain to them that I had just talked to XXXX  and paid them a {$30.00} payment Friday. They refused to listen to what I had to say and kept trying to argue with me that I didnt know what I was talking about and that XXXX was lying. They also tried to say that the debt was from XXXX, which technically it is, but that is after fighting with the hospital for three years to change a procedure code and I went from owing $ 4000+ to {$600.00}. 

I also told them I was going to report them to the XXXX because they were harassing me with phone calls which is illegal, along with not identifying who they were when asked. I told them to stop calling and they calling me another time today. 

They transferred me to a supervisor, which took 10 plus minutes and I feel I was just talking to the same person because she started with one accent and switched halfway through to the accent of the person I had originally talked too. 

I also told them that I couldnt afford their ridiculous payment plan which was either ~ {$200.00} for 3 months or a one lump sum of XXXX {$480.00}. They asked how much I could pay and I told them about {$30.00} a month and they asked if I wanted to set up a payment plan, I told them not until this confusion gets resolved and she hung up on me.
I have a collection on my credit report that I do not owe. It is for {$300.00} and it states that it was opened in XX/XX/XXXX for XXXX and then shows it is opened on XX/XX/XXXX for XXXX and Equifax. This debt does not belong to me. As you can already see this has inacuracies on one bureau it states the account was opened XX/XX/XXXX and on the other 2 bureaus it states it was opened XX/XX/XXXX and I did not get any open accounts in XX/XX/2018 because I was out of the country for a full month and returned in XXXX. I have never signed any contract with XXXX XXXX XXXX now or will ever sign a contract with them. I expect this company to delete this collection of my credit report as it is negatively impacting my credit worthiness and I do not have any signed contract with them per FCRA 15 usc section 1681i. I can not believe that such information is put into someones credit report with such inaccuracies and this is not validated by the credit bureaus. I demand the bureaus to delete this immediately followed by a credit report mailed to my house with the deletion of this account. 
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and Address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for " XXXX '' in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.
XX/XX/XXXX, XXXX ( approximately XXXX via telephone ) : I initiated a balance transfer to my XXXX XXXX card in the amount of {$5000.00}. I did this in response to the attached emailed ( sent XX/XX/XXXX, XXXX ). The balance transfer promotion was for 0 % interest for 12 months and 0 % balance transfer fee. The email stated, We will apply minimum payments at our discretion. XX/XX/XXXX, XXXX ( XXXX via telephone ) : I received an email from XXXX XXXX XXXX XXXX that XXXX had reported my account at 30 days delinquent. Subsequently, my credit score dropped precipitously. I contacted XXXX  card services and explained the following : 1 ) I am a full member ( i.e. multiple loan and deposit accounts ) that has never missed a payment.
2 ) I am enrolled in electronic statements and never received any notice in my email or via the mobile app ( which, in addition to being heavily promoted as a user interface by XXXX, is my primary user interface ).
3 ) At no time during the XX/XX/XXXXXXXX call was I told there would be a discretionary minimum payment applied to my balance transfer.
4 ) I have made every loan payment to them on time.
In response, the customer service representative ( who was quite understanding and professional ) explained to me : 1 ) A discretionary minimum balance was applied to my account.
2 ) I was sent statements via the US Postal Service.
3 ) Signing up for electronic statements applies to other XXXX accounts ; however, XXXX accounts require a separate enrollment ( this was never disclosed via my phone calls or use of the mobile platform ).
4 ) In sending those statements they legally had the right to charge me late payments and report me to the credit bureaus 5 ) I was told to call back after XXXX and speak with the Loss Management Department XX/XX/XXXX, XXXX ( XXXX via telephone ) : I spoke with Loss Management and was told : 1 ) I was speaking with the wrong department ; I need to email or write a letter to XXXX 
2 ) They legal have to report any account past due over 30 days.
My complaint is as follows : 1 ) Applying discretionary minimums ( while in the fine print ), is misleading and deceptive, especially when at the time of the balance transfer no mention of one was made.
2 ) When enrolling in electronic statements, but not being informed that XXXX products are excluded and require a separate enrollment is deceptive and misleading. Ultimately leading to a less than full communication of the members financial position with the credit union. 3 ) Being encouraged through advertisement to use the mobile platform, but not being given complete functionality is misleading. I check the mobile app constantly and was never made aware of missed XXXX payments.
4 ) XXXX is intentionally hiding behind fine print to provide the bare minimum service as provided by law.
Hello, My name is XXXX and XXXX XXXX. This is most likely the 4-5th complaint against my mortgage company SLS. I just recently placed a case against them last week and here is another. I was in another short sale offer for the sale of my home for the past XXXX months. Recently-XXXXdays ago SLS called me aking for the FUNDING PROOF OF THE BUYER to be sent to them for review. I stated that it was my lawyer that they should be calling but I would contact them to request that inwhich I did that day. My lawyer in turn replyed and said she got that sent that day also to SLS and even asked them if anything else was needed. They said that was all they needed to proceed. 

Today I received an e-mail from SLS stating that my short sale was denied because of buyer funding proof and untimely grounds!!!! I e-mailed lawyer to explain. She stated she sent it XXXX days ago as requested and they received it. 

SLS is full of XXXX what gives them the right to even stay in business!!! They have really really really done a job on us!!! 

Why am I stuck with them and how do I press charges against them for neglect on our XXXXx in a YEAR SHORT SALE DENIAL!!! How do I get JUSTICE? Who do I call? I need to take serious action!!!!!!!!!!!!!!! XXXX
My wife and I have a Bank of America XXXX. They detected fraud and issued us new credit card numbers, but the fraud charges continued immediately with the new credit card number. I was also using the card and sometimes the fraud charges were occurring on the same day as my charges. A third credit card number was provided. 

We were originally told that we would not be responsible for the fraudulent charges, but recently Bank of America told us in writing that they have concluded their investigation and we are now responsible. The total amount of the charges is ~ {$57000.00}. 

The reason why they are saying that the charges are not fraud is that someone ( male voice ) called from our home phone and approved at least one of these charges. So since the charges we are disputing include the " approved '' charge, Bank of America believes that none of the charges are fraud. 

My wife and I live alone, and no one else has access to our residence other than our cleaning lady. 

Bank of America has issued us new credit card numbers a few times now, always based on fraudulent activity that they detected. 

When I originally filed a police report on this fraud, I was told by the officer ( XXXX NJ Police Department - Case # XXXX ) that there is technology available known as " caller id spoofing '' that can make it look like a call is originating from a specific number, when in fact, it is not. This could explain some things. 

My wife and I did not make these high price charges on our Bank of America XXXX. 

I visited a Bank of America retail store because I was told I needed to substantiate my identity before they would talk to me. I did this. This was the only way I was able to find out the reason why B of A believes the charges were not fraud. 

I have yet to find out when exactly ( date and time ) the call or calls were made from my home phone number that approved the high price charges. 

Also it is important to know that I have been the victim of identity theft. Someone did open a XXXX XXXX XXXX XXXX ( XXXX ) in my name at a retail location and obtained {$5000.00} in instant credit, and purchased ~ {$4800.00} in  merchandise that day. I received the credit cards in the mail at my home address. I reported this to XXXX immediately and I am not liable for these charges. 

My personal information was compromised during the XXXX breech. I went on their webpage and did substantiate this fact. 

I feel that Bank of America 's identity verification system is not robust enough, given the widespread breech of personal information.
We had a deed in lieu of payment on a house in XX/XX/2015, the bank signed off on it. 

I called the bank and found out who I need to talk to, I have called several times and have never been able to speak to XXXX XXXX at XXXX and she has not returned my calls. 

The bank should show that the loan was satisfied, but it show 100 % paid off AND XXXX balance AND currently late payments ... so totally wrong, this needs to be removed from my credit report. 

SANTANDER BANK N.A. 
XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Thanks for your help
Hey, I was going through my reports and saw some inquiries on there that I have no idea why they are even on there. 
XXXX XXXX XXXX  Usa ( XX/XX/XXXX ) ~XXXX XXXX Na.., XXXX XXXX ( XX/XX/XXXX ) THESE WERE NOT AUTHORIZED
On or about XX/XX/XXXX, we began working with XXXX ( Case-ID XXXX ) to avoid foreclosure and obtain a loan modification on our home loan. We're an elderly couple in our 60 's and 70 's with health problems. The loan was assumed by XXXX XXXX  XXXX around XX/XX/XXXX. I learned today, the property has been wrongfully foreclosed on around XXXX and the lender or the courts failed to notify us and failed to show at a mediation hearing set in XXXX XXXX XXXX County Court on XX/XX/XXXX they canceled it. To date, nothing has been informed to us and we need a translator. However, we learned today, the property was foreclosed on and we have no understanding why? The lender had asked we get more income given our SSI wasn't enough. We have taken in two renters only to learn they've illegally foreclosed on the property for owing less than $ 80K in past payments. I seek emergency help in this matter. The property is more valuable and we could have opted to sell versus an illegal foreclosure. I beg for assistance as soon as possible. One of the renters was a furloughed employee so we have delays in getting our rent in the past months as well.
There are exactly 20 hard inquiries showing up on my TransUnion report that are not mine..I have have disputed these inquiries through the mail and never received a response..my personal information has been compromised and someone has been trying to obtain credit in my name like crazy!! These are the inquiries I need removed.. XXXX XX/XX/XXXX.. XXXX  XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX  XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX   XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX ... also my personal information is wrong even though I've contacted TransUnion numerous times in regards to my name and address..the address they have for me isn't even a address and my name is literally turnt around backwards..they have my address as XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..my correct address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..and they have my second address which is my XXXX XXXX as this..XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..the correct address is XXXX XXXX XXXX XXXX XXXX FL XXXX.. then there's the spelling of my name..they have XXXX, XXXX, XXXX..my name is XXXX XXXX  XXXX .
A representative named XXXX XXXX from Intake Department called me at approximately XXXX saying that they are in possession of a debt CPM XXXX from XXXX from XXXX 2007 in the amount of {$300.00}. He said that I am being named in a Civil Lawsuit as the Respondent pending a lawsuit of up to {$15000.00}. XXXX XXXX never indicated that the call was being recorded nor they were a debt collector trying to collect a debt. I was asking for verification information because I do n't recognize the debt and it 's ten years old. He said he will tell the client that I am refusing to pay the debt, he never offered to send me a copy of the debt either by mail or email. He was rude and angry he also over talked me and then hung up the phone in my face. He never offered to send me a confirmation letter of the debt. He called my estranged husband with the same threats and we are separated.
My bank has a new Digital Banking login, it is hard to understand and does not show balance after transactions or pending payments in a way that helps show how transactions are being posted. I was expecting to get   XXXX   overdraft fee this month, instead I have gotten  XXXX . This is because they pay the highest amount item first and the smaller amounts after causing the fees to be {$200.00}!!!! They should really get an account at   XXXX   XXXX   and see how an online banking account should work. The fees are out of control and should not be allowed, I need a refund of all but  XXXX  of these fees as soon as possible!
Between XX/XX/XXXX and XXXX XXXX XXXX/CBNA reported XXXX missed payments to the credit bureaus although I had entered into new credit terms regarding my account with them and they were collecting monthly payments directly from my checking account. None of the payments were missed since our new agreement. XX/XX/XXXX I paid the account in total early. I have spent the years since XX/XX/XXXX and present disputing the approximately XXXX incorrect reporting of late payments to the credit bureaus in regards to this account. I also requested a copy of the later credit terms to which XXXX XXXX/CBNA and I had. I was told the contact was mailed once and can only be sent once. I did not receive the initial revised contract. This incorrect reporting have affected my credit and have infringed on my Rights to Life, Liberty, and Property.
I have been on XXXX since X/X/2017. When I called Navient to let them know, they extended my forbearance, which I recently learned was part of their deceptive practices. I believe they should have encouraged me to get an income based repayment plan or some other better option for my situation. My student loans are now {$260000.00} I dropped out of law school in my 2nd year and dont even have my degree. I cant even keep up with the interest!
From XX/XX/XXXX to now XX/XX/XXXX XXXX advised not my debt. They keep calling and leaving messages on my answering machine
I received a letter from US Bank saying they would close the account on XX/XX/2017 and would send me the amount in the account NOT A PORTION VIA CERTIFIED MAIL. On XX/XX/2017 US Bank withdraw ONLY A PORTION OF MONEY, " leaving some there. '' I have a print out ATTACHED. ON XX/XX/2017 I went in the XXXX XXXX XXXX branch where the banker called several people who said they ALREADY SENT me MY MONEY via certified mail. XX/XX/2017 I go in XXXX branch and XXXX XXXX tells me that the XXXX branch who sent me the letter INSTEAD OF SENDING IT TO ME AS PREVIOUSLY TOLD, US BANK REDEPOSITED THE MONEY TO THEMSELVES ALSO THERE ARE " DEBIT HOLDS AND CREDIT HOLDS '' CAUSING ME UNABLE TO USE THE ACCOUNT. THE BANK IS STEALING MY MONEY " REDEPOSITING IT WHEN I WAS TOLD BY XXXX BRANCH IT WAS ALREADY SENT BY CERTIFIED MAIL TO ME. ''
Dear Bank of America, I appreciate your time greatly however the documents provided did not confirm my concerns of withdrawal of XXXX - provide XXXX XXXX wire instructions or account of deposit. 

As well as XXXX payment by check, wire, or transfer - provide copy Copy of Initial Draw Check as I did not receive - XXXX, XXXX XX/XX/2005 Response to its to late to file a dispute of concern for transfer and or payments - Is there a time frame on possible fraud? 

Response- documents signed without full disclosure from Bank of America XXXX who is the lender, who is the beneficiary - under the Deed of Trust Bank of America had an obligation to disclose and failed.
I tried to tell my boa agent, it was a fraud transaction. And I want to cancel the transaction and get the money back to my account. But they will not do that bed it was through XXXX. Someone need to catch those scammers and get the money back to their rightful owner
I purchased this home approx 10 years ago and was initially required to pay PMI because of the low down payment I made. Now, the LTV is approx 65-68 % and the company ( Mr Cooper ) is fraudulently refusing to discontinue the PMI deductions. In fact, the LTV Passed the 80 % mark several years ago so Mr Cooper has  illegally taken my money for quite some time. When I tried to get them to fix this they made up facts and tried to tell me I should refinance with them using their streamlined process and that if I agreed to refinance with them theyd see what they could do about the PMI. They also told me there had been no recent sales in the area ( this is absolutely untrue ) - This all sort of sounds like extortion to me. There have been several homes sold in the neighborhood, some that they have services the loans for, so they know the truth and yet they still take the PMI.
The company has garnished my wages multiple times over the years they have collected over {$8000.00} and the balance has not moved. I have attempted to work with the company regarding my balance and they refuse to give me any information regarding how they came to my balance or why the money that is being garnished from my check is not impacting the balance at all. I am unable to verify the debt as the company refuses to give me any information and I was not made aware I owed the debt from the original creditor. If the original creditor had informed me that this debt was owed i would have made arrangements. I believe that the original finance company finances cars in hopes that people can not repay and they can collect in excess of the value of the car. I believe this because the original creditor refused to let me get current. I lost my job and fell behind on the car. When I called and tried to get current the original finance company told me my only option was repossession. I worked with them to pick the car up and I never heard from them again. The next thing I know I am being sued by XXXX XXXX on behalf of their client, XXXX XXXX ( the original creditor ).
I just found that the debt was fowarded to collections. I have not been notify prior to that. 
It is that wasy to destroy someone credit that way I have a HSA that allows me to pay my medical bills upfront This is just ridiculous
I demand to see Verifiable Proof (  an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must re move the accounts listed below.      XXXX   XXXX  LOANS #  XXXX  : Unverified account  XXXX   XXXX   XXXX  #  XXXX  : Unverified account   XXXX   #  XXXX  : I have never paid late   XXXX   XXXX   XXXX   #  XXXX  : I have never paid late  XXXX /  XXXX   XXXX   XXXX  : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX