WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2014, I was unable to pay XXXX XXXX XXXX, and my debt was sold to XXXX   XXXX XXXX, XXXX. As soon as I received payment information, I began paying them and have paid them every month every since. I have also raised the amount I'm paying them twice and attempted to arrange a payment schedule. Even once I verified my identity for them, they refused to listen to me. 

XXXX XXXX XXXX calls up to five times a day and not unusually before XXXX or after XXXX. When I answer, the person on the line often refuses to identify the company he or she works for, and it takes asking them two or three times to identify the company before they will do so. The person also usually represents themselves as someone who knows me at a personal level. Once I manage to get them to identify the company, the person calling typically asks me for personal information ( Social Security number, birth date, etc. ) to verify my identity. The person also usually requests I give my whole Social Security Number or birth date, which if the person was a scammer would leave my identity vulnerable. On a recent call, I asked the supervisor I spoke with to verify the company she worked for by giving the company 's address, an item of public record, so I knew who I was talking to, and she refused to do so until I had requested her to do so another three times. When I affirmed who I was, she refused to talk to me about my account unless I verified personal information or flat out gave it to them. Each time I have spoken to a purported representative of the company, I have requested mailed statements with details about interest, how payments are applied to the account, terms and service agreements, etc. They have repeatedly refused. Earlier this summer, I did manage to get a balance statement but only by refusing to talk further until I had at least received that information. The balance statement provided none of the other information I requested. At that time, there was no way to verify the account information other than by phone since they had not given me an account number, so I could access it online. 

It's also worth mentioning that I finally was able to access their website and checked. I am currently paying more than the minimum amount the published amount allowed for a payment plan, and they still refuse to accept what I'm sending as my standard payment.
as a result of the XXXX XXXX in XXXX, Ca. my insurance company issued a check to chase bank and XXXX XXXX. in order to get Chase Bank to endorse the check I first had to deposit the check into Chase Bank ... then I had to set up an account on line to view and submit the requested information to Chase Bank. Once all of the required information was received by the bank then and only then could you request an inspection to see if 50 percent of the work has been completed. The bank is supposed to respond back within 7 days of the inspection request that was submitted on XXXX. No one has contacted me to this date! That's problem two! Problem three is the fact that prior to receiving any insurance check I had more than 50 percent of the work completed! Now waiting to pay some of the workers ... It could take the inspector another two weeks to even come out after the 7 day wait! I would like to have my money now to pay for the work that has all ready been completed.. Its not chase bank money ... they didn't pay any monthly premiums ... this area has been devastated by the XXXX XXXX , a federal disaster area, and really don't need harassment by JP Morgan Chase ...
I went through a divorce in XX/XX/XXXX. The house was underwater so I had to walk away from it. The note was for $ XXXX. The missed payments were reflected on my credit back in XX/XX/XXXX. About nine months ago I received a letter from Ditech XXXX ( formerly GreenTree Servicing, they changed their name in XX/XX/XXXX because of a class action lawsuit ) that I owed them $ XXXX. Now it 's showing up on my credit that I 'm 90 days late on a mortgage payment. I think this is fraud. I do n't owe that amount and this should have been foreclosed on years ago. What recourse do I have?
I set up an amount for credit protection to take out of my checking account for 3 months, made arrangements in  XXXX , started taking money in  XXXX ,  XXXX , and  XXXX . They were supposed to take {$180.00}, which they did plus an additional {$150.00} that was never mentioned at all. Because of that I had withdrawn money and it hurt my balance bad, so I did n't have enough money to pay my bills. I did n't see the statement untill  XXXX , when then took out the same thing. I 've never got any paperwork or notice about this. I sent them an email but I sent it yesterday, so I have n't heard anything which I figure will be Wednesday by the latest. I 'm in the process of stopping any more withdrawals from my account.
I opened a checking account this past summer at US Bank. The account was closed a few months after opening it by the branch manager, XXXX XXXX because labeled the account as a " fraud account. '' In addition to closing the account, he charged me {$19.00} for a stop payment check discounting the facts. The account was not compromised. Additionally, the account was not overdrawn. I went into the local branch on XX/XX/2018 to discuss the issue because Mr. XXXX agreed to contact me prior to determining whether or not, he was going to close the account ; however, he did not. Upon arrival, Mr. XXXX greeted my daughter and I in a hostile, brash manner. His tone was abrasive and condescending. His deameanor was cold and unwelcoming ; very unconcerning and judgmental. After speaking with Mr. XXXX and providing him with evidence that the payment that was stopped was not within my control and action was taken against the company that stopped payment, Mr. XXXX assured me that the {$19.00} would be refunded within a week. It has been one month and I have yet to receive my refund in addition to me not receiving the {$200.00} incentive for opening the account because Mr. XXXX elected to close it.
On XX/XX/XXXX, I sent a request to the credit bureaus to investigate errors on my credit report. They were supposed to respond with the results within 30 days. Its been over 45 days, and I have yet to receive a response from XXXX or Experian.
My XXXX XXXX XXXX XXXX credit card was lost/stolen and some of the charges and transactions are fraudulent and unauthorized charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX.
A client of mine had his company bank account compromised. As a result, one of the checks written on the account was my monthly check in the amount of {$3000.00}. Once he found out his banking account had been compromised, he immediately contact me and I immediately contacted PenFed. I told PenFed what had happened and immediately wired {$3000.00} from another account to cover any and all transactions. My account was never, ever overdrawn and I was told by PenFed that the original check for {$3000.00} was NOT going to be re-deposited because, according the PenFed representative, " our system is incredible sensitive and the check will be returned. " That ended up not being the case, the check was redeposited and of course, declined from my clients financial institution. Again, my account was never overdrawn. 

As a result of this, and of no error whatsoever on my part, PenFed, irresponsibility has blocked my access to all my accounts. 

Despite five separate attempts to have this irresponsible block removed, it remains. That is, because of something that was completely the fault of another party, and had literally nothing to do with me, I do not have access to my money. I have never overdrawn an account and I consider myself a financially conscious individual. 

How is it possible for an institution to completely block a responsible customer from their banking accounts? 

Unfortunately, PenFed only can say that 'my case ' is on a supervisors desk for review. 

Any assistance you can provide would be most helpful. 

XXXX XXXX
National Principal Group has contacted family members more than once, although they have admitted to me on a " recorded call '' ( their words ) that they can only call a family member once. They have contacted them in order to try and get me to pay for a single loan that I supposedly took out XX/XX/XXXX from XXXX XXXX XXXX. I said that is n't possible because I have n't taken any loans XX/XX/XXXX. They said it 's likely a payday loan. I asked for them to send the verification of debt to me so I could look at it myself, and they said they only have the name of the original creditor, no other information such as loan documents to prove that I took a debt for anything. XXXX XXXX XXXX is not on my credit report as a debt that I 've ever received. Today ( XX/XX/XXXX ) I received the documents of the supposed debt that I owe, except they 've included XXXX other debts that they did not mention in the phone call on XX/XX/XXXX. Very strange. They also sent these via email and not via mail. So far I 've received no original documents explaining the loan that I took out, and the " original amount '' on the document they sent is different than what they told me over the phone. Luckily their phone calls are " recorded for quality '' as they told me. Another interesting tidbit is they claim that they can call my family members and friends as much as they want if I do n't pay the debt and my family does n't issue a cease and desist letter. This is actually a violation of the law as well, one relative has both of their voice mails from consecutive days, and again luckily National Principal Group records these calls for " quality ''. One call to a family member is all that they are allowed, and within two days they 've called the same person twice.
I had to close my account due to Fraud. I was advised any transactions that tried to go through I would be notified, I was also advised since I did n't have enough time to reroute my DD they would auto send it to my new account that I have ( with them ). That is n't the case. I have. Even calling since last Friday and have been told now it will be later in the week that my DD will be credited. I 've asked for a supervisor and was told there is n't one available. I have asked to speak with the specific fraud specialist ( XXXX ) and told no. Her notes are on my account so I know they can contact her. I 've called my local branch no luck. Meanwhile my bills are trying to go through ( auto debit XXXX of month ) and being rejected and I 'm getting charged fees! HELP!!!
On XX/XX/XXXX Rushmore Loan Management Services made a payment from my escrow account for {$300.00} for Mortgage Insurance ( PMI ) due XX/XX/XXXX. The payment due XX/XX/XXXX was made by XXXX XXXX XXXX ( my prior mortgage company ) before the servicing of the loan was transferred to Rushmore. 

I spoke to Rushmore on the phone for nearly an hour attempting to resolve this and received nothing but the runaround from the representative as well as the supervisor that I spoke to. They said it was my place to prove that the payment was made by the prior mortgage company. These are records they should have received when accepting the transfer of responsibility. 

I paid to have proof faxed to them that the payment was previously made and have yet to receive any response. 

Rushmore Loan Services reviews speak for themselves. They are a terrible company to deal with and it is even worse that they were not selected, the loan was merely transferred to them. 

I find it absolutely crazy that they actually reside in Puerto Rico and are treating United States consumers in such a way. I hope the Federal Government steps in and shuts them down. 

I want the overpayment/duplicate payment of {$300.00} refunded to my escrow account ASAP!
I had attempted to start building my credit, bank of america helped me open my first line of credit, a secured credit card. I never received notice of payment deadlines coming near until I had late fees noted on my online account and phone calls from collections. At the time I was struggling to pay my bills on time and after 30 days bank of america closed my account and hurt my credit report claiming my history as delinquent, and late on payments. I payed off my secured card as soon as I was noticed of the closed account.
Good morning I have a Navient Student Loan Account # XXXX with a new balance of {$90000.00} compounded daily at 6.800 % daily ( Direct Loan- Unsubsidized ). In XX/XX/XXXX, I called Navient for help & advise because my husband just died of XXXX. I lost my husband 's income and my student loan balance was right around {$78.00}. I graduated XX/XX/XXXX with my XXXX degree as a XXXX. 
I called and asked Navient for help ( XX/XX/XXXX ). I asked if I could reaffirm my loan and they said " NO. '' I never received any counseling on the issue. They said there was n't any other options, except Forbearance. So I had no choice. I needed to get on my feet again & pay for a funeral at that time. So I took the " one & only option. '' which was forbearance. For the last year I have accrued daily interest at 6.8 % on my loan resulting in over XXXX in loan debt. 
So three month 's ago the forbearance period was up & I started paying monthly on my student loan. My complaint is, I was n't given any other option and have accrued over {$10000.00} in interest and by balance is still increasing every month. Navient never gave any counseling or alternative & most of all they would n't help at all. 

Thank you XXXX XXXX
This account is once again showing a current past due amount having already received confirmation there was not one ( see all attached documents through a past dispute resoluion through CFPB ). This has been going on for almost two years. Clearely there are not processes in place to ensure this does not continue to mistakenly report innaccurately. I also sent numerous correspondences by phone and email to BAC requesting they remove the tradeline to match what XXXX had done to ensure the problem would not continue ( attached as well ). I never received any reply.
My family and employer was contacted by a XXXX Collector stating they were Worldwide Recoveries. They never contacted me in writing or by phone. They contacted several relatives and my job stating they needed to serve me legal documents and I needed to contact them within a certain amount of time or they were going to sue me and garnish my wages. They wanted to set up a XXXX payment agreement from my checking account to resolve the issue. I contacted the actual loan company and they stated they never sold my case to Worldwide Recoveries. I contacted a local XXXX in my area and they did some checking for me and could not find any legitimate information or valid phone number for this company. They could only find information from other people online with the same complaints as myself. The XXXX told me they suspect I had been contacted by a scam XXXX and to ask for information from the person that called me and I did try that and the man I talked with was very rude with the questions I was asking him and he hung the phone up on me.
XXXX XXXX XXXX is trying to collect a debt not owed. I have contacted them numerous times started back in XX/XX/XXXX. I disputed this debt with the CFPB, and XXXX XXXX XXXX stated they would delete the item from my credit file. Please see attached document showing this. 

I recently certified another letter to XXXX XXXX XXXX which was signed for on XX/XX/XXXX. I have yet to receive a response to me letter that requested they respond to my concerns. 

I disputed this item from my credit reports and XXXX  is the first to respond. XXXX  states that XXXX XXXX XXXX has verified the information as accurate and to not delete the item from my report. I am providing you a copy of this response from XXXX. 

XXXXXXXX XXXX XXXX has misrepresented what they intended to do to you both the CFPB and myself.
I received a demand letter from XXXX, XXXX and XXXX XXXX. in XXXX, regarding a auto loan with ford motor credit-I took out a auto loan with Ford and was told by the dealership that it was a requirement from ford that I had to have an extend service contract. After finding out that this was wrong and a fraud loan, I sent back the car to ford-and I was working with them while they were suppose to be investigating the dealership. I sent them out a validation letter requesting : 1 ) since they are the law firm representing Ford, what was the results of the investigation. 2 ) Per the contract, I signed with Ford, I agreed that the contract will be governed by the laws of the state of Kansas-How were they able to sue or collect the debt under the laws of Oklahoma. They did not answer these questions-they just sent me back my contract with Ford, and a letter stating what I owed. Also, I was looking at my credit today, and found an inquiry from this law firm, requesting my credit-I did n't sign ANYTHING, that allows them to checking my credit. At this point-I have tried to contact the law firm and I get nowhere-I would like them to send this account back to Ford, where I can deal with the balance owe directly and get the answers that are owed to me. And I want the Inquiry and any credit reporting removed from credit report.
On XX/XX/2018, I recieved a debt collection letter from BullCity Financial Solutions Inc. XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX ; telling me I owe {$1000.00} for a debt from : XXXX XXXX XXXX XXXX AT XXXX, account # XXXX, service date of XX/XX/XXXX Regarding XXXX, XXXX. 

The letter states that if I do not dispute the validity of this debt within 30 days they will assume it is valid. Sincerely XXXX XXXX XXXX, XXXX. 

I have know idea what this debt is as I have not been to Texas in the past 5 years. I'm afraid to contact them and give them my personal information because of all the scams going on.
Good afternoon, My family and I purchased a home using a VA Loan this past year and subsequently saved up and paid one month in advance in order to get on that organization 's " Budget Plan ''. The Budget Plan was explained to us as a way to divide the standard mortgage in half over XXXX paychecks instead of taking the larger whole sum out of XXXX paycheck. Now, four months later, we 're being charged XXXX half payments in our second paycheck of the month in spite of already having paid the first and second half-payments this month. This is n't due to any delinquency on our part. We 've been excellent customers, paying all listed fees in advance or via auto-pay. This is due to the way the Loan office has programmed the payments " every other Friday ''. So not only is the VA 's " Budget Plan '' a misnomer, and the intentions of the plan false. It also has the potential to put those contracted with the office, particularly XXXX XXXX military members like myself, into civil upset due to unexpected required payments that, if not met, could affect our military Clearance and if met could place us in financial distress. This is an unsatisfactory way to treat customers entrusting their pact with the bank.
My name is XXXX XXXX and I had a XXXX XXXX XXXX XXXX Credit Card years ago and I fell behind on payments and now i 'm receiving a letter about a judgement filed XX/XX/XXXX from a person saying he works with the law firm Roach and Murtha I paid on the bill as long as I could in the XX/XX/XXXX i was going through economic hardships. why are they sending me a letter about this now 18 years later? Can you look in to this please? the address from the letter is Roach and Murtha attorneys at law, P.C. XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Phone ( XXXX ) XXXX and the person also called me wile I was at work and i could n't answer the phone and left a message a message about any information he collects is for the purpose of debt collection. and he also sent a letter to seize property and any bank account I may have
I have called XXXX, Equifax and XXXX on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since XX/XX/XXXX.
I sent disputes to Experian over 45 days ago and when they finally did respond they said they were " unable to honor XXXX my ] request.. '' due to a limited amount of information. This is not true! I gave them a reason for each dispute and detailed explanations. They are attempting to stall the investigation and this is unfair! My name has been defamed because of the numbers erroneous accounts they are reporting. It is my right to dispute these items and by law they must investigate and respond. They have failed to do their part and need to be held accountable! I want these erroneous accounts deleted immediately! I have given them more than enough time!
Our Mortgage was sold to Carrington Mortgage services by XXXX XXXX XXXX, They immediately raised our Escrow amount to " build a Buffer ''. Our Escrow has never been short in the 5 years we have had the loan. It is impossible to contact customer service and their payment information on line is horrible.
On XX/XX/2018, i sent money to my family in XXXX. This was through western union. The transfer said it was going to be available in 30 minutes. It took about 5 days to show up. When the money was taken out of my account the following morning. Then I called several times to track my transaction and the operators kept on telling me my account was locked for my safety. I kid you not, I called about 6 times and I kept on getting told the same thing even when I spoke to the supervisor XXXX. This so called supervisor said he was going to call me back with answers. He never did. Now I just want to cancel everything and get my money back. I will never use western union again!! I do not recommend. I also disputed he transaction with my bank because western union cant access my transaction because its locked. Red flags from the beginning. Shut western union down.
I was having Discover checking account which i closed during XX/XX/2015. But i am still getting emails from Discover Bank with various promotions and advertising their services. Worst there is no way i can unsubscribe to these emails as there is no unsubsribe link in the the emails.
My private student loans with XXXX XXXX ( now called Navient ) went into default following a period of unemployment. In XXXX 2015, I was contacted by " Navient Recovery '' and told that I could bring my loans into a " Reduced Interest Rate Partial Repayment Plan '' if I made XXXX down payments and continued to make at least minimum monthly payments afterwards until the account was paid off. I have been making these payments since, but as of now, ten months later, Navient XXXX refuses to send me paperwork that verifies the terms of our agreement. My interest rate has not changed, and every month Navient updates my credit report with " debts not paid as agreed. '' Despite months of calls and speaking to " supervisors '' I am unable to speak to anyone at either Navient or Navient XXXX who can either confirm or deny my participation in the program, the terms of this program, and when my account will be changed to a partial-payment agreement status. Messages are left unanswered, and representatives have on several occasions told me they " have no legal obligation to provide me with paperwork '' that discloses the terms of the agreement.