WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call from a sales person from Sears to sell an extended warranty on my refrigerator. I specifically told the sales person to place the charge on my Sears credit card and not to charge it to my Sears Master card, which I had never used. Citibank collections starting calling me at least 4 times a day to collect on debt that I didn't owe, I explained to them that I have never charged anything on my Master card and that they should review their tapes. After that Citibank told me that the charge they were trying to collect on was a fraud. I explained to them that I purchased a warranty on the Sears credit card and not the Master Card, but they and threaten to report me to the credit bureau. When I spoke to Sears sales person, she stated the call may be recorded ; therefore, I feel the recording should have been reviewed to resolve this issue before it has escalated to this point. Eventually, they turned the debt over to the collection agency ( XXXX XXXX XXXX XXXX XXXX ). Routinely I have {$75.00} per month automatically withdrawn from my account for the Sears Credit card ; therefore, I was under the impression that the warranty was placed on that account and that I have been paying consistently. 

I am senior citizen and I feel very harassed and taken advantage of when I have been a loyal customer and paid my bills timely.
Approximately once a month or more frequently, I receive a recorded message on my answering machine stating, " This is a message from EOS CCA. This is an important call about a debt collection. Please call XXXX. '' I do not have any late or unpaid debt at the moment, so I believe these phone calls to be fraud activity and illegal. I have researched this company online, and it has a history of fraudulent and illegal activity.
I went to US Bank, XXXX Branch to cash a check that was drawn on that bank. The teller wrote my personal information on the back of the check as identification. I told her that she could not do this as the person who has the checking account will have my driver 's license number and could commit fraud with that information. I was told by the teller that this is the bank 's procedure to cash checks. I then have gone to XXXX other banks in town and they do not put personal information on the check being cashed.
I leased a 2014 XXXX XXXX and have had continuous transmission issues. ( This is well publicized in " car '' literature. ) Over the past year and a half, I have had the car to the dealer XXXX times, and XXXX updates have been performed. The service manager confirms the bucking that the transmission does when accelerating from a near stop. The motion is akin to being held by a rubber band and then let go. At present, the XXXX XXXX team and dealership are contemplating what to do next. There are no more software updates available, and they have been largely unsuccessful in remedying the transmission bucking. *The drop down box below requires the selection of a description of the issue, however, none apply, and thus XXXX was selected randomly. *
PNC purchased our mortgage. We DID NOT originate with them. We had a flood in our home which caused over {$40000.00} in damage. Our insurance company listed PNC as party to the claim check for rebuilding. PNC made us send them the check and now refuses to release any funds even though we've completed the work and had to pay for all of it out of pocket. I ( the owner ) performed all repairs myself, with my own hands, yet PNC is trying to force me to buy liability insurance at a cost of {$1000.00} insuring myself against any liability arising from me suing myself ; which is absurd. Further, PNC claims XXXX law requires me to have a license to perform repairs to my own home ; which IS NOT what XXXX statutes stipulate. I have spent approximately 6 hours on the phone with PNC in an effort to resolve the issue. At XXXX point I spoke with a person named XXXX ( XXXX hours on the phone ) and XXXX said, after reviewing our closing documents and speaking to multiple supervisors, that I did not need the insurance and that I could make the repairs myself. Thereafter, when I called back because no check had been sent, the new agent on the phone started from square XXXX saying I had to have insurance and a license. It was as if the previous ( grueling XXXX hour argument XXXX call with XXXX never happened! At this time repairs have been completed but PNC refuses to send their inspector out to confirm completion of the work or to release any funds. Due to PNC 's illegal holding the proceeds from our insurance claim my wife and I have been forced to come out of pocket to pay for the rebuilding of our home and load up our credit cards paying for materials. We incur interest on that debt. A law suit is pending, however, consumers should be aware of PNC 's awful practice of holding your insurance funds hostage after your home has been destroyed by a flood.
I am an XXXX trustee of a trust maintained at Citizens Bank of Pennsylvania. I was REPEATEDLY ASSURED that the trust accounts would not be subjected to any fees, costs, or bank charged. Citizens started assessing a statement fee of {$2.00} a month. I called, they apologized and refunded {$2.00} in XXXX 2016. They reinstated this fee again. I visited a branch and requested that a regional manager call, to no avail. I am a trustee charged with maintaining the integrity of the accounts ( more than {$800000.00} is on deposit here ). They are stealing money and they are not responding.
From when I opened my first checking and savings account with TD Bank, I was wary of charges and fees I wanted to avoid. I was told the account I opened was best for my needs as a college student and consumer. I was not explained about exactly what the overdraft policy and fees would be like but that I could transfer funds between my checking and savings. 
At one point, I was overdrawn often with {$35.00} fees several times per month. When I called customer service, I was told that I had a setting to accept overdrawn transactions which was why there were so many individual fees. Ultimately, I visited a store branch manager in XXXX XXXX, XXXX and spoke to the agent who opened my account at my local XXXX XXXX XXXX XXXX XXXX branch in XXXX 2017. 
They claimed they were unable to waive any fees. XXXX XXXX XXXX, the more responsive branch manager there said she would look into it and the agent would have her review it. I was told they were something additional she could do after so many fees on the account, especially since I was ready to close the account at that point. 

I also indicated and signed a document to make sure that overdrawn transactions would be declined to prevent the fees from being added on. Any transaction that would cause me to overdraw is no longer automatically authorized. This change never happened officially which seems why I received so many more fees, putting me deeper in a hole and loss of personal income to so many fees. The branch manager XXXX XXXX and I never spoke after and I lost her contact information directly. I tried calling customer service and that led nowhere.
I disputed this item with equifax on or around XX/XX/XXXX. They gave me an expected date for my results for XX/XX/XXXX. I never received any updated emails, as they said I would. I gave equifax a call on XX/XX/XXXX asking for the results of my dispute for XXXX. The young lady I spoke with, stated they have been sending me emails of updates, but I have not received one email from them. She told me that XXXX  has last reported this account on XX/XX/XXXX and it will not be removed until XX/XX/XXXX. She stated if I wanted this account removed, I would have to get in contact with XXXX. I called XXXX  and spoke with XXXX, who told me that account was closed on their end and he doesn't know why equifax can not delete this account. He said there is nothing else he can do about it and it is out of his hands. I have not used this account since XX/XX/XXXX, and it was closed XX/XX/XXXX. I don't understand why equifax lied about emailing me updates. Also, why is equifax saying the company is reporting the account, when the company said they are not.
This collection agency is going above and beyond what is necessary to attempt to collect a debt I've already notified them that the card was opened fraudulently without any knowledge from myself XXXX XXXX XXXX was the original creditor they are aware of this this collection agency is well aware of this as well at one point XXXX XXXX XXXX had four different mailing addresses for me within a year 's time I mean if that doesn't throw up some red flags I don't know what does but this collection agency is still harassing me when it's more than obvious that the account does not belong to me never did the identity theft happened 6 + years ago at this point at a certain point enough is enough and now they've gone as far as asking the courts to subpoena more of my personal information at a certain point they need to accept that this was a case of identity theft like every other bank that was involved years ago did this is the only bank that I still had an issue with and this is the only question company that still is harassing me there's nothing more to give at this point you're asking for information I don't even have your asking for recent loan applications I don't have any recent loan applications you're asking for copies of my paycheck I'm not working and haven't been for a while now you also want bank statements what do you hope to accomplish I'm not working do you really think there's any money in my account? My domestic partner works but we are not officially married so no you can't go after him for this fraudulent account I've requested that you show me proof all you did was send me bank statements nobody 's disputing the fact that the account was opened and it was used it just wasn't used by me and nobody can explain why there's so many different phone numbers and email addresses and physical address is associated with this account when I've lived at the same place for years now but whenever I bring that up you just ignore that fact
Title company Fidelity National Title Insurance/XXXX appointed by XXXX failed to provide clear title or inform me of title issues by the time I purchased my property XXXX NY XXXX. XXXX failed in it 's fuduciary responsibility to be a neutral party ( Trustee or Benficiary ) to inform me of changes made to legal title and what appears to be a ficticious forclosure or property abandonment whereby XXXX self assigned themselves to create a new mortgage lien. My property has a clouded title whereby it appears that XXXX entities XXXX has a lien and XXXX also had or has a lien. I have had no dealings with eithor of them, so it appears that these were somehow attached to my property in the XXXX County land and Court records.. This complaint is in relation to previous complaints I have made with CFPB on XXXX and XXXX .
It is very clear that XXXX  and Transunion are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX , SXXXX XXXX
This company identifies themselves as XXXX XXXX XXXX. The same agent continues to call me twice daily, always around XXXX XXXX and again around XXXX XXXX, now for the past 2-3 months and counting. I continue to block them, but they always use a different number each time they call. The number always begins with ( XXXX ) XXXX. I have a list of these numbers, if needed, in my blocked callers list on my phone. I have asked them to stop calling, but they continue like clockwork. This is a violation of FDCPA guidelines and is pure harassment. I need this stopped.
After 25 years with the credit card I called to cancel the card prior to the renewal date and then stated my reason was the {$95.00} annual fee. I was told while they could not waive the annual fee they could offer to provided a {$95.00} credit against future ( three months ) purchases after the renewal fee was paid and purchases equal to {$95.00} were made. This was because I wa # a good long term customer. 

I agreed and now I am told after multiple inquires about that {$95.00} offer rebate that was expired in XXXX 2017 which is not the time frame I was promised. However, they always offer to investigate. 

A true bait and switch offer against a long time customer.
Our vehicle was reposed by GM Financial after we traded it into a dealer ship for a new vehicle. Before we could get the vehicle back it was sold at auction. The account was turned into a Charge off on our credit that shows we owe a balance and a payment each month, it was then given to a third party to collect the remaining balance. A judgement was then filed for this vehicle. 
My credit is now being hit twice each month, once for the Charge off with the balance and payment reflecting each month and the judgement showing a balance each month. 
We are paying our payment arrangements with the third party as we can no longer make a payment to GM Financial as they gave our loan to a third party.
My husband passed away and I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney submitted a complete financial application on X/XX/2017. Since that date Bayview has been sitting on my paperwork and allowing it to expire and then asking for updated paperwork again over and over. They have had a complete file now at least twice since X/17. My attorney states they are stalling purposely and evading review by asking for updated paperwork over and over. According to my attorney they are violating RESPA Regulation X ( 1024 ).
Ever since NAVIENT took over the student loans for the government they have increased the interest, payments, amount charged, and total amount of the loans. It's for my daughter and the loans were signed by my father as he has helped all of his grandchildren go to college.
Bank of America violated the National Mortgage Settlement Consent Judgement - In XXXX, I was denied help from the National Mortgage Settlement, per Bank of America, because I was not delinquent in the last 3 months of XXXX. 
**See attached documents as I have that denial in writing, on their letterhead, and signed Bank of America employee XXXX XXXX . 
In XX/XX/XXXX I received an inheritance from my parents in the amount of {$190000.00}. I used that money as a down payment on the house I currently live in. At the time I took out the mortgage on my home I had a credit score of XXXX, and my income substantiated the loan I received. 
However In XXXX, I lost my job of 15 years, I got a divorce from my husband of 14 years due to the stress, and then I had to file bankruptcy. Subsequently around the same time my interest rate started to jump, and my payments went up about {$1000.00} a month. I applied for a mortgage modification and with all of the lost paperwork - things they say they never received and they did - it took them 2 years and 4 months to approve my modification and it was finalized onXX/XX/XXXX. 
Since I was current on XX/XX/XXXX, BOA stated I did n't qualify for a principal reduction. Subsequently I read the National Mortgage Settlement Consent Judgement and no where in those documents does it state that " anyone that was current on their mortgage in the last 3 months of XXXX would not get any relief as they would not qualify. THEY LIED. Oh, and when they did process the mortgage modification they ADDED {$59000.00} + IN ADDITIONAL PRINCIPAL because of interest, etc. It never added up, and I made every single mortgage payment during the 2 years and 4 months of my application process. Even if it was {$1000.00} negative per month, that would have only been {$28000.00}. If I did n't sign the modification with the principal increase they stated they would foreclose on my home. Oh and did I add that when they gave me the mortgage modification they started my loan all over again at {$510000.00} even though I had been paying the whole time, from XXXX. 
Then because BOA added {$59000.00} in principal I no longer qualified for the Illinois Hardest Hit Fund because my loan had exceeded {$500000.00}. I lost an additional {$25000.00} of help because they perpetuated fraud, and continued to perpetuate the violations of the DOJ National Mortgage Settlement. It is time for [ the banks ] to live up to their end of the deal, or well explore all options to remedy this situation, from fining them to hauling them back into court.The National Mortgage Settlement of XXXX required that certain banks ( XXXX, Bank of America, XXXX, XXXX XXXX, and XXXX XXXX XXXX provide extensive relief to borrowers in the form of loan modifications, refinancing, and even cash payouts. 
I want financial compensation from Bank of America, not only did they steal my entire inheritance of {$190000.00}, they added principle to my loan and they keep doing it! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX BOA Loan # XXXX.
On XX/XX/XXXX I called the company XXXX XXXX XXXX to settle a small loan I made and requested the detailed, precise amount I owed to close that account for good. 

They told me the amount, which was paid AND confirmed, BOTH by them and my bank in the amount of ( XXXX USD ) XXXX XXXX XXXX Debit XXXX Web ID : XXXX - XXXX in the city of XXXX, at a XXXX location, When I take those loans at exorbitant and immoral interest rates, I MAKE SURE I keep them for a VERY SHORT PERIOD. This is why when I got paid it was the first company I called. 

After one year of RADIO SILENCE, a company called XXXX XXXX XXXX calls me on XX/XX/XXXX to say that I owe them over ONE THOUSAND DOLLARS at a 300 % interest rate AND COUNTING. 

The company XXXX XXXX has acted in malfeasance, whether in bad faith or by gross negligence. In the case of human error, that is understandable, and theres plenty of evidence of cases like this ; if in bad faith, it represents an indictment to a larger picture of the way in which this company conduct business in fraudulent manner. 

I am a full-time XXXX with little time to sleep, basically no money, approaching graduation, how am I supposed to defend myself against such a corrupt, lying, disgraceful business. This company should disband and get out of business. 

I already used my precious time to send a Cease and Desist letter to stop any attempts to collect, contact, and persist on any communication in regard to a non-existent debt. 

It is also a demand for immediate credit repair for any issues related to credit report companies in regard to this matter. 

A year after parting company with this disgraceful loan shark operation called XXXX XXXX has left me outraged and I wish no apologies, except for a full repair, credit-wise, and a letter of settlement. Theres no apology that would ever offer a hope of redemption for a company that charges over 300 % of interest as a business model, and who infers that I would be a fool to hold on to a 300 % interest loan for over a year.
I 'm a victim of identity theft and recently called Equifax 's customer service and requested an identity block of negative information on my credit report that was due to identity theft. I requested a supervisor and she told me that " We do n't do that at Equifax, we do n't block information and only the creditor can request that ''. I know this is not true so I am registering a complaint for failure to block information that has been asserted to have resulted from potential identity theft, and for which I have filed a police report and thus complied with the provisions of section 605B. 

I relented and told her that this was a violation but she said the only thing they could do was dispute the items and do an investigation. But I 've disputed around a dozen times and there has been no progress or REAL investigation done. This is the reason I filed the police report in the first place. I have done everything required to fulfill my obligation to request this block, and their refusal is in clear, and willful violation of FCRA 605B. 

To verify what I am saying, I am enclosing a copy of my Identity Theft affadavit filed with the FTC, a copy of the police report, and proof of my identity that I have already sent Equifax. Any support from you would be greatly appreciated.
Rushmore Loan Management, Rushmore Loan Management Services LLC Customer Service Department XXXX, CA XXXX ( http : //www.rushmorelm.com/ ) requested a set of documents prior to my submitting a modification request by the request date : XX/XX/2017. I submitted all required documents, of which included a Quit Claim Deed that I had to pay {$1600.00} for in XXXX County and a statement that included the dissolving of my relationship with my domestic partner whom I never married legally. I submitted both. After the deadline, they informed me that I could not qualify for a modification due to failure to submit all required documents : a legal separation agreement, of which I could not have due to never being married and a promise to post {$27000.00} K to suspend the sale date on the property. They clearly lied about what I was required to submit and waited until after the deadline to change what was initially requested.
Received a collection call from XXXX XXXX XXXX   that I didnt receive for over {$1200.00}. 
I applied for the loan but didnt receive it. Now I think they will try to take it from my checking account. They are listed on XXXX
Yesterday I received 3 calls from a debt collector ( XXXX XXXX XXXX ) stating that they were a law firm attempting to collect a debt. This is after a conversation I had the previous day ( different customer service agent/paralegal ) requesting an email with their original correspondence as I had recently moved. I did not receive this email. 

They called at XXXX XXXX, XXXX XXXX, and XXXX XXXX ( yes I have the EXACT time, and the calls came to my employer ). 
During the first call the man refused to give me his name and literally YELLED at me screaming, " YOU KNOW WHAT YOU NEED TO DO, YOU JUST NEED TO PAY IT. STOP TRYING TO BUY TIME!!!! '' All I asked for was a copy of the original correspondence in regards to the debt that was sent to me. I asked for them to email this letter so that I could review it ( I mean who makes legal decisions without seeing something in writing? ) and he yelled, " SO WHAT ARE YOU GON NA DO?? IF I SEND YOU THIS EMAIL I WILL GIVE YOU 30 MINUTES TO READ IT AND I WILL CALL YOU BACK. STOP TRING TO BUY TIME! YOU '' RE XXXX PAY THIS!!!! " Needless to say, I then hung up the phone. I was at my place of employment getting yelled at by a stranger that refused to provide the correct documentation in regards to the debt, and was yelling commands over the phone. They also threatened legal action and wage garnishment, and would not let me speak AT ALL. 

During the second call he called and said, " SO WHAT IS YOUR EMAIL?!? '' No hello, no can I speak so so-and-so or anything. I gave him the email and he began to yell again. " SO WHAT ARE YOU GON NA DO? YOU NEED TO PAY THIS NOW! YOU HAVE 30 MINS TO READ THE EMAIL AND I AM CALLING YOU BACK TO ASK YOU HOW YOU 'RE GON NA PAY!!! '' I kept saying ( in a very low and calm voice because I am at work ) to " Please stop calling my job. '' He kept speaking over me and would not allow me to ask questions, so yes, I hung up. 

The third call went ignored. Did I mention hat they left a message on my SUPERVISOR 'S voicemail???? This is where it must end. I do n't care if someone owes XXXX or $ XXXX, there is no reason to yell and harass them at their place of employment. This company has crossed the line. I sent a cease and desist letter via email, AND CERTIFIED MAIL and received yet 2 other phone calls this morning. 

So technically there are XXXX issues:1 ) Frequent or repeated calls2 ) Used abusive language3 ) Threatened to take legal action4 ) Called after written case of communication notice.
THE MEDICAL DEBT WAS SET UP IN PAYMENT PLANS AND PAYMENT WAS BEING MAID. THEN IS WAS SENT TO A COLLECTION COMPANY. DEBT WAS PAID IN FULL AND ACCOUNT WAS NEVER TO HAVE BEEN REPORTED TO MY CREDIT REPORT BUT YET IT WAS. THIS EFFECTED MY CREDIT WORTHINESS SEVERLY WITH INCORRECT DERAGATORY INFORMATION