WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX bought my debt from loanme where I got the loan originally in XX/XX/2017. XXXX XXXX XXXX has made repeated calls to my work. I have told them at every call to stop calling me. They called my bosses personal cell phone today as well. My bosses have also told them to stop calling our office. They have called friends and family and asked about me, they have all told them to stop bothering them but they still call everyday.
I am submitting this complaint for my Client XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Id. I am her XXXX XXXX XXXX with XXXX XXXX XXXX in XXXX Id. I have sent you a complaint previously about Wells Fargo and their handleing of the short sale. There is a Foreclosure Sale date set for XXXX XXXX, 2015. They have had an offer for some time and keep asking for more documents. I was just told by Wells Fargo Customer Service another appraisal or BPO was ordered. If the appraiser is very far out there wo n't be enough time to work the offer. Wells Fargo approved on offer for {$180000.00} and I have a full approval letter to close but the buyer 's lost their financing. Then Wells Fargo ordered a BPO and it came back at {$200000.00} just a few months later. The property In XXXX, Id did not increase in value {$29000.00} in just a few months since the seller has not done anything to the property. I believe Wells Fargo is stalling so they can foreclose on my client. I believe Wells Fargo has caused her undue harm and stess in this situation. If they can accept {$180000.00} once I do n't understand why they are not accepting the offer they have for {$180000.00}. Please check into this file. The processers who is assigned to the file is XXXX XXXX XXXX XXXX or XXXXXXXXXXXX. Please for the customers sake check into this matter. I believe Wells Fargo is not keeping the customers best interest in mind and they are not trying to help their customers. Thanks XXXX XXXX XXXX
There have been unauthorized inquiries put on my credit report and after contacting both the bureau and the companies have not been removed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I did provide details on which transaction. They are just making up excuses again. 
I am waiting for the corrections. 

I am still waiting for Equifax to provide the data I have requested.
XX/XX/2018 Letter to XXXX XXXX, XXXX XXXX XXXX - My client, XXXX XXXX, called me and told me to call XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX. My client said Why is a Collection Agency calling you at my business? GOOD QUESTION! 

XXXX Do you know that calling my client is a violation of Collection Agency Ethics? Please give my Invoice to your boss and have him/her/they process it as soon as possible. 

In XX/XX/2018, I wrote to XXXX XXXX XXXX, Chairman and CEO, XXXX XXXX XXXX and XXXX XXXX XXXX, CEO, XXXX XXXX instructing them to cancel my XXXX XXXX XXXX XXXX XXXX account after 50 years as a customer. I never received a response. 

Account XXXX is a FRAUDULENT account. I never opened an account ending in XXXX. My recurring payment to XXXX  was transferred to the FRAUDULENT account, which messed up my XXXX  account and will cause XXXX  to lose my business. My Credit Score has gone from XXXX to XXXX, all because of the FRAUDULENT activity of your client, XXXX XXXX. 

Enclosed find INVOICE XXXX XXXX XXXX, INVOICE XXXX Mr. XXXX XXXX XXXX and INVOICE XXXX XXXX XXXX XXXX. 

Thank you for your assistance in this matter, XXXX. I am sorry to see you caught in the middle. I am sure you want to treat me fairly. ''
I have already filed a complaint with other companies however neglected to file with the last and final repository company. I have a debt being reported to the Equifax credit bureau that does not belong to me however I have been unsuccessful with having the company remove the debt although it has been identified as belonging to someone else.
Student Loans where taken out in my name by my ex-wife University of XXXX  and XXXX XXXX XXXX which in my divorce I won the case and she was told to pay back all of her student loans then she file for XXXX and they end up putting the loans back in my name which I have sent in information about fraud activities the information that they sent me was not even my name wasn't spelled incorrectly my date of birth  always wrong so if you could help me with this I would truly appreciate it.
On XX/XX/XXXX, I initiated a wire transfer of the amount of {$2000.00} from my bank ( XXXX XXXX XXXX ) to the following recipient : Coinbase, Inc XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Routing/ABA Number : XXXX Account Number : XXXX Recipient Instructions/Message : XXXX ' On XX/XX/XXXX, the wire transfer of the amount of {$2000.00} was reversed which is reflected in my bank statement. 

On XX/XX/XXXX, {$2000.00} was sent from my bank account to Coinbase however this amount was not transferred to my Coinbase or GDAX account and the balance does not reflect the transfer was completed successfully. 

I 've sent 2 emails to the Coinbase/GDAX support team on XX/XX/XXXX and XX/XX/XXXX and have not received a response from them. 

I would like to cancel my wire transfer.
On XX/XX/XXXX I place a Fraud Freeze on my Equifax Credit Report due to Unauthorize inquiry and 2 account that appear on my credit due to identity theft. Every since I place this Freeze on my account on XX/XX/XXXX The information that was Blocked couple years ago was suppose to be block or deleted per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act has decided to reappeared on my credit with Equifax ONLY as they seem to not obey the consumer laws of the fair credit reporting act. There are also other account that I have been disputing due to identity theft for months now seem to still remain on my credit for something I did not do. I also spoke to the Equifax Mix department and Fraud Department regarding theses accounts and can not seem to block it and now because of the Freeze everything that was block came back on my credit file. Equifax seem to be unorganized and really playing with my credit report. Hopefully they are not doing this to others, But if the are I assume the CFPB will investigate this unethical law breaking company called Equifax. All my other Credit Reports, XXXX and XXXX are show my accurate information. 
Thank you I recently filed another dispute again as of XX/XX/XXXX confirmation number with Equifax is : XXXX Fraudulent Information are as follow : 1.XXXX XXXX XXXXe 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX acct : XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX there are 6 account with XXXX XXXX XXXX XXXX
There are three accounts listed with this collection agency being reported with credit bureau agencies that is not my debt. I have continuously asked for proof of validation and they keep replying with copies of bills and 5 letters indicating the same thing for each creditor.
I have sent three letters w/i a 90 days to this debt collection agency, validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them and they have failed to provide the information requested as there is no evidence to provide. In a letter dated XX/XX/XXXX & Two letters dated XX/XX/XXXX, they stated that they will not continue the investigation and have reported this fraudulent account to the credit reporting agencies which this account is not valid. I would like this account ( s ) removed at once.. 

XXXX XXXX Acct # XXXX -- {$2200.00} XXXX XXXX-Acct # XXXX -- {$600.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX -- {$890.00}
All of my Capital one credit cards and bank accounts were closed. The bank gave me no warning or explanation. I called Capital one and was told that they do not have access to the information as to why this has happened. I have no pending legal cases, credit score is good and my taxes are paid. This has caused great concern for me because i do not know what has caused this. This is very scary that a bank would do this with no explanation and leave me without access to my money or credit. I understand a bank can exercise their right to close an account but to not give a customer a warning so they can get ready to be without access to their credit and money is unacceptable. I need to know why this has happened so i can determine if this is even based on accurate information. Please Help!
I went to a bank ATM of XXXX in XXXX, XXXX, location XXXX XXXX XXXX, XXXX, XXXX, Terminal ID XXXX on Friday XXXX/XXXX/2016 and made an {$800.00} cash deposit. The ATM gave me a message that the deposit failed and the transaction was cancelled and did not give me back my cash deposit or a receipt that it took my money. My account was not credited either. I spoke to the bank teller XXXX who called her supervisor immediately. They advised me to contact the phone number on the back of my card which I did. I spoke to XXXX at Santander Bank who gave me a case # XXXX and advised me that I would have the money back in my account within 24 hours. It is past that 24 hour mark and the money has not been returned. I contacted the bank this morning again and was advised it can take up to ten days for the money to be returned to me. I can not have the bank stealing my money for the next 10 days. This is an emergency situation as that money was to pay my mortgage which will now be late and there will be charges put against me. It will also affect my credit with a negative report to the credit agencies. This is not fair practices and not acceptable by either the bank or any other institution who deals with people 's money and lives!!!!!!!!!!!!!!!!!!!!! I need an immediate response to my cell phone at XXXX or I will be reporting this to the XXXX news stations and any other federal agency as this is terrible service and if anyone did this to the bank it would be considered robbery punishable by jail!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I contacted United Revenue due to a collection acount on my credit file. I called the hospital and several pertinent pieces of information was not accurate. I then sent United Revenue an Identity Theft Affadavit. This information contained my accurate information as you have to disclose it on the forms. After i mailed the forms i called United Revenue to discuss and the information such as date of birth and spelling of name on the hospital intake forms were different than the correct dates and spelling. Once United Revenue received my affadavit they changed their records to match my affadavit and after calling to confirm receipt they are now giving me the correct spellin correct date of birth and claiming they have verified the information and i owe this debt. I asked to speak to Supervisors and was told no one was available. when i asked them to verify the methods used to verify the debt i was taighnted about my inabilities to pay. I repeated time and time again that this is not my debt and this needs to be removeed for no other reason then this informmation was inaccurate and i never visited the hospital or doctore and never had any of the XXXX for the body part indicated. No company should be able to use the information on the affadavit to then change their records to match
I filed a dispute with Experian in reference to a XXXX account showing a past due balance of XXXX . The account was part of a bankruptcy discharged in 2016. Experian responded saying the information was reporting correctly. I reached out to XXXX who acknowledged the XXXX $ was part of a bankruptcy and discharged. I was bounced around various department for an hour or so. They ended up telling me it was the fault of Experian. Experian says its the reporting of XXXX. The account was under a bankruptcy and is being reported as currently past due by XXXX
I learn that i had a judgment on my credit report once i check my report. i was late but i paid the management of XXXX XXXX, this was in XXXX. My credit report states that it was satisfied XX/XX/XXXX.I do n't no anything about a court day. Or why this judgment exist.
US Bank has started altering the order of credits and debits to their advantage. In 2015 they on numerous occasions posted the debits first and then the credits which resulted I numerous {$36.00} overdraft fees. On XXXX occasion I withdrew {$500.00} in cash on a Saturday when my direct deposit showed as being available. I was then charged the {$36.00} overdraft fee. On Monday on their website the direct deposit showed it being credited on that Monday even though on Saturday it was shown as being available. I called the bank manager and his response was that the teller should not have given me the cash. However the teller had seen the same thing on her screen that Saturday and that being that the money was available. This occurred throughout 2015 until my account was so overdrawn due to the overdraft charges that US Bank had closed my account. The bank manager was less than cooperative in discussing this issue. And along with that they would post debits before credits which I have never seen this practice before. The bank manager response was that there was nothing illegal about that practice. So now my account is in the banks collection department.
On XXXX XXXX, I signed up for student loan forgiveness with XXXX XXXX. I did not realise that Equitable Acceptance Corporation was not affiliated with XXXX. XXXX took all of my information, claiming to be a third party dealer to help consolidate my loans and accept small monthly payments down the road to help pay off my loans. This is a scam. According to my research, they take these monthly payments and do not apply them to your student debt. They withdrew an unauthorized transaction yesterday and on XXXX XXXX from my bank account. I receive emails stating this payment and a link to access a login. I have no username or password for this. I have been trying to get a hold of them to cancel my account with them. How convenient for them that my call on hold went to their voicemail. Do not accept any offers from this third party vender. They are very sneaky with this scam!
I am extremely concerned due to the fact that my credit report has been compromised and I have disputed these items with the Bureaus and they refuse to remove the information. I recently got engaged and weeks later I was diagnosed with XXXX. I not only disputed these charges but I also sent proper verification as I had access to it at the time. This has been a nightmare for my family and I. Please help me get these erroneous accounts from my report.
XX/XX/2017 I began receiving letters from Afini collections about a debit they claim I owe to XXXX for an auto accident that they allege occurred on XX/XX/2017 On behalf of XXXX. They first claim that I owe {$1000.00} but have since reduced that amount to {$520.00}. 
My complaint is that I was never involved in an accident, and have never been contacted by XXXX about being involved in a traffic accident and Afini has not provided any other information other than a demand for payment. 
I was not involved in a traffic accident
Equifax is incorrectly reporting a paid collection account as open. This account was paid over a year ago and although payment status has been updated to paid, the account is still reporting as open. This account has been disputed with Equifax in previous months,  XXXX ,  2017 ,  XXXX   XXXX  and again,  XXXX   XXXX  and they are not changing anything.
I applied for a Chase XXXX XXXX credit card and was turned down because of having XXXX new credit accounts open within the last 24 months. However, I have a credit score of over XXXX, make $ XXXX and many of the cards counting against me have {$0.00} balances and are from small retail stores ( like XXXX XXXX , XXXX XXXX , etc. ). There was no reason to be denied and applying for the card resulted in a credit pull which had a negative effect on my credit. Chase did not clearly advertise that having XXXX credit lines would result in a denial which I find is misleading and fraudulent. Two of the cards they are counting against me have been closed ( XXXX XXXX XXXX XXXX XXXX ) one of the other " cards '' is my ATM card!
Violates Hippa and CRA. 

Police report # XXXX XXXX
Back in either XX/XX/XXXX or XX/XX/XXXX my loan provider, XXXX, double charged me for my loan payment that month. I did not notice this, but they reviewed my account and realized they did this and sent me a check in XX/XX/XXXX. Upon receiving this check, I deposited it at my bank on XX/XX/XXXX where it seemingly went through. A couple of days later, I got the money retracted from my account because the company authorized a stop on the check. They claim that the stop was issued because the name on the check was incorrect ; however, the name on the check was mine and the check should have been made out to me as they double charged me. In addition to this, the company claimed that I am late for my last payment which does not make sense because I have automatic payment on which takes from my account and has for over a year and a half now. The company said that they were going to put my account on review to see if they can fix the issue. The company has promised to call me back within the day. I am currently waiting for that call but honestly do not expect them to get back to me in a reasonable time. This is not however the only issue that I have had. My account is cosigned by my father ( who cosigned for all of his children ). A couple of months ago one of my payments did not come out of my account but somehow came out of my sisters bank account. Now my account with XXXX is completely separate from my sisters and should not have any of the information shared. This issue was eventually fixed after my sister spent hours on the phone with the company. After they fixed that they then proceeded to take the money out of my brothers bank account the next month who had already paid off the entirety of his loan and did not owe the company anymore. The customer service for this company is ridiculous and they constantly believe that they are right even if they are taking money from the wrong accounts and essentially stealing it. Stay away from this company if you have the option.
This is a debt I owe for a red light violations..I 'm assuming a municipal debt. However I'm receiving back to back call after a FOTI/message was left. I received a call on Monday XX/XX/XXXXat XXXX ... and a XXXX minute message left. After the message was left ... I received another call a minute or less right after on the same date XX/XX/XXXX.This happens all the time.
I pay all of my taxes and insurance through my US Bank Mortgage. I received notification from XXXX Country that my supplemental tax bill was delinquent. I called US Bank Mortgage to inquire about why it was delinquent. They said their tax team would investigate and they would pay for the delinquency charges. 

Two weeks later they sent me a letter saying I had to pay those supplemental taxes myself and that they had no way to know about those supplemental taxes. This is not true. They could done their due diligence and gone on the county website to find the taxes due on my home before dispersing any payment. They chose not to do this. 

When I received the letter ( XX/XX/2017 ) I called them again to reiterate my previous conversation with a Rep, XXXX, who said they would pay for the delinquency. I also called to ensure they would pay the amount due, minus the delinquency, from my escrow account. They said they would review my conversation with XXXX and get back to me with a resolution within 24-48 hours. They also stated that I needed to write a letter to have the supplemental taxes paid from my escrow account. I then wrote this letter while I waited for my account to be reviewed. In the letter, I very specifically stated that I do only authorized the payment of the base amount to come from my escrow account and not the delinquency amount. They completely disregarded my instruction and paid the delinquency from my escrow account along with the base amount. 

They also said they sent a letter when they first bought my mortgage in XX/XX/XXXX that stated I was responsible for supplemental taxes. I NEVER RECEIVED THIS LETTER! 

A week later ( XX/XX/2017 ) I still had not heard back about the call review. I called to inquire. They said they reviewed the call and that they still will not pay the delinquency and refused to give me access to the recorded call without an affidavit from a lawyer. 

Every rep at US Bank has been very difficult to deal with and no information is consistent from rep to rep. US Bank Mortgage is responsible for paying the taxes on my property as I make monthly payments into my escrow account for this purpose. Yet, they will not take responsibility for my property taxes and making sure they are paid on time. They also will not honor the words of their representatives nor do they look out for the best interest of the mortgage. They do everything they can to reduce their responsibility and put responsibility back on the customer. I am very dissatisfied with their business practices and believe them to be unlawful.
I have an account showing on my credit report with XXXX. I call XXXX and was told they sold my account to Jefferson Capital Systems , LLC, located in XXXX MN XXXX. Jefferson is not the one reporting this account on my credit report however they are the ones that have this debt in their possession. Unless you have limitless amounts of time to sit on hold you get no answer to the phone calls. I have called XXXX times today alone and sat on hold for over a half hour. I have tried to call during CST time as I am in the same time zone. called them at XXXX in the afternoon and their office was closed. 
I would like to get my debt paid and off my credit report however I have no way of getting it. Website they provide does n't have any contact information other than the email address which they stated they will not provide me with information. 

How does a consumer pay off their debt when they make it impossible to get the statement to do so? 

I have to take time off of work to call these folks and try and get some sort of resolution I want to get this debt paid.
The Navient co-signer release process is a scam! I graduated three years ago in 2014 and I am still struggling to get the co-signer release approved after submitting a co-signer release request close to a dozen times over the past two years! Every time, it is another ridiculous excuse!
<P/>
I have paid faithfully on the loan for three years with no late payments. I have XXXX jobs and an excellent credit score which is in the high XXXX XXXX. I have less than {$300.00} in credit card debt and I do n't have a car loan payment and I do n't pay rent! I have even paid more ( close to double ) every month than the required minimum payment.
<P/>
Navient has made false statements about how easy it is to have the co-signer released after a year, but fail to mention in the tiny print that apparently, I have to actually be personally approved for the balance on the loan amount? I have heard EVERY excuse as to WHY they wo n't release the co-signer. It has become a financial burden to my family since my parents are paying astronomically high interest rates on their house equity line since they ca n't refinance because of their debt-ratio specifically linked to the Navient loan balance. My parents have paid ridiculous amounts of interest for the past two years because of Navient 's refusal to release my co-signor.
<P/>
This is going on for over two years and has proved to be a serious financial burden to my parents for apparently no other reason than Navient 's unwarranted refusal and untruthful statements about the requirements needed for a co-signer release.