WillisBack/dataset-financial-user-claim huggingface dataset:
This company started calling me about 6 months ago and has progressed to the point where they now call me every day. They also call my parents home several times a week. They leave threatening and harassing messages claiming that there have been several cases of fraudulent activity attached to my social security number. They state that they will be filing XXXX charges in my county against me but that if I call them within 24 hours, that we can resolve the matter. 
I have called this company back at the number they leave on more than XXXX occasions and have spoken with individuals who claim they attorneys working for a bank. I discovered that they are trying to collect on a debt that I had more than 10 years ago with a bank who had issued me a credit card. I had filed a chapter XXXX bankruptcy in 2009 in which this debt was included. I have all of the paperwork from my attorneys and the Court which clearly show this debt and also show that the information was sent to the bank. I have told the individuals from this company that I had filed bankruptcy and this debt was included. I have given them my bankruptcy attorneys contact information and have told them that it is illegal to contact me about this " debt '' and that they were harassing me and attempting to defraud me by making and repeatedly leaving messages regarding false claims against me. I have told them this over XXXX times that I have spoken with them. Since then, I have over XXXX recordings of messages from them. They are calling me every single day, sometimes multiple times a day and they continue to harass my parents as well. I have n't lived with my parents in over 35 years and why they continue to call them can only be for nefarious purposes. My parents have spoken with individuals from this company and have told them that I dont live there and asked them to please stop calling and harassing them to no avail.
Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.
My daughter ( XXXX XXXX XXXX, XXXX XXXX ) was an XXXX Veteran. My daughter passed away after she came back from XXXX. My daughter used her VA Benefit to obtain a house my our family. My daughter had filed a bankruptcy before she passed away. After my daughter passed, the bankruptcy negative amount went back onto the Mortgage Loan ( VA ). The Bank of America Mortgage company is now  doing a foreclosure on the real estate my daughter purchased for me, her mother. I have been paying Bank of America mortgage payments and tried to work with them about the negative bankruptcy balance but they refuse to approve my Loan Modification Application and are going ahead with the FORECLOSURE. The  FORECLOSURE sale date is XX/XX/2018. My daughter XXXX XXXX, passed away approximately a year ago. I have my grandson living with me and we will end up homeless if our home is taken away from us. My daughter paid the Ultimate Sacrifice for her family to have a good home and Bank of America is soulless. Please help me and my family stay together in our home that my daughter ( XXXX XXXX XXXX ) intended us to. Thank you. XXXX
Filed a timely billing dispute over the phone with bank representative XXXX, ID XXXX on XX/XX/2018, at which point, I was not instructed to send anything in writing. In fact, I was advised to load all relevant documents through the online account center. This is for a purchase with XXXX. The card is administered by XXXX XXXX. Purchase amount {$1100.00} on or about XX/XX/2018. 

This is the only charge on my account, the bank did not suspend the monthly minimum payments nor the amount I have in dispute. Per my conversation with the above individual, she said make monthly payments and we will refund you. This is not the rules of the Fair Credit Billing Act.
To whom it may concern ; As of today, I have been notified by my Experian credit monitoring service as well as I did a credit pull on my credit and noticed that not only did I have ( XXXX ) inquiries that I submitted a claim on yesterday ( Case # : XXXX ), but apparently I had other inquiries that were initiated without my consent and obviously a fraudulent attempt to gain credit/money without my knowledge. 

I did temporarily lift my security freeze, giant mistake on my part, in hopes that once I contacted my current creditor XXXX they would increase my credit limit once they reviewed my credit, to which they did. What I was not expecting is that apparently somehow an application spree was then initiated in a 24 hour span. The following inquiries were unauthorized by me ; 1 - XXXX XXXX - XXXX/XXXX/2016 2 - XXXX - XXXX/XXXX/2016 3 - XXXX/Bank XXXX - XXXX/XXXX/2016 4 - XXXX - XXXX/XXXX/2016 First off, I have called and spoken and subsequently filed a complaint with each individual creditor 's fraud and credit card services departments accordingly. XXXX is adamant that they can not remove the inquiry because they have no record in their system that it even occurred. I called and spoke with XXXX, and they more or less do n't care even after they placed me on hold for a little over an hour. They stated that they would be sending me out a form so that I can put my request in writing. I then called XXXX and found out that this inquiry was also initiated online and was forwarded to their fraud department as well. They too stated that it should n't have pulled my credit and that it was frozen. I told them that it was clearly not and asked if I could forward to them via email, fax anything that would prove the inquiry does in deed exist. This too was to no avail. I was told that they deem inquiries as a factual account even though they ca n't find me in their database. I have no idea what any of this even means. 

Again, the only actual inquiry that I did in fact initiate was with my creditor XXXX. Please do not remove this accordingly as this is a legitimate action on my credit file. 

I would greatly appreciate your help with this matter. Lastly, I have tried to place my security freeze back on my file immediately, but was told by multiple people within your " Special Handling '' department that this was impossible until the lift expires. Is there any way you can place the freeze back on my credit file in hopes that this does n't continue? My PIN # is XXXX if needed for verification purposes. 

I can be reached anytime at XXXX XXXX XXXX XXXX, XXXXXXXXXXXXXXXXXXXX or via mail at : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX. 

Thank you for your time and help with this matter. I can not begin to tell you how much I appreciate it. 

Regards, XXXX XXXX XXXX Credit File # : XXXX
I have had a PMI with PNC Bank XXXX formerly XXXX XXXX ) since XXXX. I 've recently had an nationally certified appraisal on my property and realized the value has now exceeded the necessary 80 % Loan-to-Value amount. I reached out XXXX/XXXX/XXXX to PNC Bank to proceed on removing PMI and was informed that PNC Bank is requiring me to conduct an appraisal through an appraisal company they own and pay an appraisal fee that is twice the normal amount. They refused the nationally certified appraisal and are denying my ability to remove the PMI I qualify for until I pay their fee. I cited that none of the mortgage/closing documents say I have to use PNC Bank 's appraisal company. They agreed that there is no language or binding agreement, but that they have instituted this policy and will not budge.
I went to a restaurant on XX/XX/XXXX and gave my Bank of America credit card to charge {$27.00} to pay my bill. The owner swiped the credit card but came back to say that it didn't work. So I paid by cash and left. I did not ask for a receipt because I didn't feel the need to keep the receipt. Later I saw the charge of {$27.00} on my credit card. The restaurant is not willing to refund. 

I disputed the transaction with Bank of America on XXXX asking for the a copy of my signature on the credit card bill, since I never signed it, which is required by law on any amount greater than {$25.00}. 

Instead of asking the vendor for the proof of my signature, BOA asked me for proof of alternate method of payment on XX/XX/XXXX. My case was closed on XXXX. After explaining that the burden of proof doesn't lie on me but on the vendor and the bank because I can not be charged for something I didn't sign, the bank representative and their supervisor said that they can not do anything. She said on record that Signature is not needed for any amount for credit card use. She said there is no other escalation/remediation process with Bank of America. 

I should not be liable for a charge I didn't sign. Unless the bank can provide me a copy of the credit card bill with my signature, they must cancel the transaction from my credit card and refund the amount. 

I have no other alternative left but to come to CFPB with a hope that Banks can not do what they want and break law without consequences. 

Thank you.
My nephew, XXXX XXXX XXXX XXXX, passed away on XXXX XXXX, XXXX. My Nephew had at least XXXX account with Citibank. I was appointed the personal representative of my nephew 's estate and notified Citibank of the appointment by letter dated XXXX XXXX, XXXX. I provided Citibank with a copy of the Court Order and Letters of Administration and requested that the bank liquidate my nephew 's accounts. Citibank responded to my request by letter acknowledging that it held an account in my nephew 's name. Citibank 's letter instructed me to provide the bank with ( i ) my nephew 's death certificate, ( ii ) letters of administration, and ( iii ) a notarized letter of instruction from the administrator of the estate. Per Citibank 's instruction I was to either forward the documents by mail or by fax. 

As my nephew passed away XXXX, it took several months to secure a copy of the death certificate. However, upon my receipt of the certificate from XXXX ( which certificate included an XXXX Language Translation ) I forwarded the documents ( i -iii ) to Citibank by fax as instructed. The documents were sent on XXXX XXXX, XXXX. It is now XXXX XXXX, and I have received no response from Citibank to my lawful request to liquidate my nephew 's assets. 

I do n't think that Citibank has acted correctly or lawfully. I am the court appointed representative for my nephew 's estate. I provided Citibank with evidence of the same in accordance with Citibank 's instructions. My appointment is a matter of public record that can be verified independently on-line by visiting the Probate Court for XXXX XXXX, FL. My nephew held at least XXXX account with Citibank which is property of my Nephew 's estate, for which I am the court appointed administrator.
Southwest Recovery Services called at XXXX AFTER repeatedly calling and saying the account would be turned over to their attorney by XXXX that same day. 

I will include a screen shot with their office number to verify they called at XXXX and when call was received, a live agent with Southwest Recovery was on the line named, " XXXX. ''
I have a Chase card reporting on my credit report as a derogatory account. I have contacted Chase Card to inform them That i did not open a credit card account with them and wanted them to provide me with my signature requesting to be added as an authorized user on the account. Chase sent me a letter with no verification that requested that I was listed as an authorized user on the account. I want this account immediately removed from my XXXX, XXXX and XXXX credit reports.
This is a complaint about Paypal Credit. Their collections have been calling me for months saying that I have an outstanding debt. I have repeatedly told them that I do not. I finally pulled my credit to see if an account was actually opened fraudulently. My credit is clean. So yesterday when they called I told them what I had done and that I have no account with them. They said that they do not report those credit institutes. What kind of scam credit card company can be in business and not report to the credit institute? This can not and should not be legal. They need to be shut down.
I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor   nor the credit bureau is willing to help me.    XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   1 XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   RALLY MOTOR CREDIT    XX/XX/XXXX     XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX    XX/XX/XXXX
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, XXXX, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by Cfsi ( Commonwealth Financial Systems, Inc ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to Cfsi ( Commonwealth Financial Systems, Inc ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, XXXX, XXXX ) without Validation. 
Furthermore, Cfsi ( Commonwealth Financial Systems, Inc ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it.
Dear Citibank New Cardmember Services, I am on the " PRESCREEN & OPT-OUT NOTICE '' list ; I have in fact already opted out from all further communications from Citibank and other prescreened offers and miscellaneous junkmail by having called XXXX. 
However, I continue to receive these offers even after Opting Out. Please review your records, and permanently and completely remove all my personally identifiable information from all company and affiliated company records, including my name, DOB, address, phone numbers, emails, and any other data or metadata collected from me or my computer or my Internet Service provider. 
Warm regards,
Portfolio Recovery Associates have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
I filled a fraud dispute on my Barclaycard Arrival Plus account for " XX/XX/2015 XXXX XXXX XXXX XXXX '' Barclaycard did nothing about it, so I was left to go after the merchant myself and the merchant refunded the charge two weeks ago. However the credit went to the original card of the purchase ending XXXX which was reported lost and stolen due to the fraud dispute. I am asking this company to fix this issue and to apply the credit to the new account no, also waive all of the fees, interest charge associated with this transaction, and I want them to close this account beacuse I do n't want to do business with them anymore after they made me go thru this.
On XXXX/XXXX/2016 I filed a complain through CFPB against RPM for reporting a collection on my credit report. The original creditor was XXXX and after paying a debt that I owed, XXXX informed me that this account would not be listed anywhere on my credit report, but it was showing on my credit report as a collection. After filing a complaint with CFPB, Receivables Performance Management LLC responded to me with the following statement. 

" Upon receipt of this complaint, RPM contacted XXXX who confirmed that the account was properly placed for collection and had since been paid in full. XXXX has requested that RPM remove the account tradeline as a courtesy to XXXX XXXX. 
RPM appreciates the opportunity to respond to this matter and resolve it to XXXX XXXX 's satisfaction. If you have questions regarding RPM 's handling of this matter or if I may be of further assistance to XXXX XXXX please contact me directly at ( XXXX ) XXXX. 
Very Truly Yours, XXXX XXXX XXXX General Counsel '' It has been over 30 days and this company still has NOT removed this item from my XXXX report. I am trying to close on a home loan and this collection showing on my report is affecting me tremendously. I have attached documentation from both XXXX and RPM of where this item should have been removed.
I checked my credit reports and saw that Specialized Loan Servicing is reporting inaccurate information. My credit profile is showing 180 delinquent with all of the three credit Bureaus. I am disputing the delinquency due to the notification that I received on XX/XX/2018 from my bank. I sent my monthly payment, and ( SLS ) refused to accept it. I called ( SLS ) with a counselor from XXXX XXXX, and a customer representative said that they would not accept any more of my payments. That led me to do a complaint with ( CFPB ). I then filed for a modification in fear that I would lose my home. It took some months before they started accepting my payments. 
** I have attached the letter from XXXX, but this payment was not the only one that was not accepted. **
I have been in the process of obtaining explanations for questionable activity on my account. Obtaining a valid explanation has proven to be a daunting process until I filled my last complaint through the CFPB. Now that a line of communications has opened up and Shellpoint Mortgage Servicing company is willing to start addressing the customer service errors, I have drafted a list of the banking transactions and personal customer service errors the account has experienced. 

Please find a RESPA Qualified Written Response letter laying out the concerns over the accounts servicing errors.
Re : Complaint Against Bank of America Institution On XX/XX/XXXX I received a personal check in the amount of {$100.00}. I have the Bank of America App on my Smartphone device and I used this app to deposit the check into my checking account as I normally do when receiving a personal check. The only difference is that I split the check to put {$50.00} into checking and {$50.00} into my savings account. I received a confirmation that this had been done. Two days later while checking my account I found that the monies did not go into either account but instead Bank of America took {$100.00} out of my savings and {$100.00} out of my checking account and then placed a hold on both accounts.
It took two days and multiple calls and even visiting a local branch before theyd agree to put my monies back into my account that they illegally took out. Mind you though that they still had a hold on my check. At the advice of the rep I spoke to over the phone, the suggestion was made that I go into the bank and present the physical check to them and the hold would come off, but this never happened. The took my physical check and deposited and a day later I found it was rejected and that the initial 10-day hold would still be in effect. The monies from the check has come out the account of the person that gave me the check over a week ago and Bank of America is still insisting on holding the check until XX/XX/XXXX. The reason they are holding the check is merely because I tried to split the check between two accounts. Their app allowed me to do this and even gave me a confirmation that it was done.
I called again today and spoke with a supervisor who called their Risk Department and I was advised that they couldnt release my funds because they didnt have a good image of the check. This upset me because it was a lie. They had perfect image from my phone deposit and they have the physical check from the bank.
My main concern and contention is that if were not allowed to split checks why does your banking app initially allow it? Why wouldnt you put a disclaimer on the site, so your customers dont have to go thru this? And if this is the banking institutions failure why as the consumer must we suffer for it? And heres the biggest thing. Bank of America has had my XXXX for over a week making interest off it and refusing to give it to me until theyre ready which will be XX/XX/XXXX. This is illegal and although its only a XXXX my rights are being violated and Im thinking of seeking legal counsel. The rep on the phone told me that this happens all the time, and she agreed that they should do something about it, but they dont? The reason they dont is because theyre benefiting. I want to make sure they dont do this to other people.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
The company letterhead known as " ditech Home Loans '' has been sending letters trying to collect a debt that was and is not ours.They have been called and I have told them that we never had a loan or mortgage with them. They then say that they bought our mortgage from XXXX XXXX and again we told them that I never heard of that company nor had any financial doings with a company of that name. Our mortgage was settled with payment in full back in 2013 and was not with either of the complaining companies. I have been a victim of identity theft and this is being reported to my already damaged credit.The letteres that they are sending are coming on a monthly basis and when I call them I get nothing but excuses and more fake information, even being vulgar at most times.Please help me stop this harassment.