WillisBack/dataset-financial-user-claim huggingface dataset:
I have received numerous phone calls from this company. Some of them have been robo-calls with a message saying that I will be " arrested at my workplace or home and removed from the premises '' if I do not return their call. Other calls have been voicemail messages from a woman basically saying the same thing that I will be arrested at my workplace. I have called them and all I get is either a weird beep and on two occasions I did leave messages asking for more information. I have not received any information as to what this matter pertains to, who I supposedly owe money to, amount owed, or any other information ( on one occassion they left reference # XXXX ). I do n't even know this company 's name. I XXXX the phone number that has called me most ( they use several phone numbers ) and the number is connected with a company called Chaplain Financial Services in Georgia, and I 've found that this is a scam and people are saying to block them and ignore them. I did just that - block them but they are still able to leave these threatening messages.
This morning I received a call at XXXX XXXX and they left a message saying that I would be arrested by Noon today at my workplace. I called them back at XXXX XXXX. and the call went to voicemail. I asked them to give me more information in writing and by mail - not phone. All they 've ever said is my name but they have never said what amount or to whom I supposedly owe this.
My mortgage company refuses to report any of my on time payments to any/all credit bureaus. My credit record does not reflect the last four plus years of monthly payments. As a result, my credit score has suffered.
On XXXX/XXXX/XXXX I search the internet trying to find a mortgage company that would finances someone with a low credit score. And I came across a website that was set up like the federal government. That stated XXXX had a program that would help consumer with a low credit score buy a house. But, you had to fill out their form so that they could run your credit report to see which of their plans would work best. Will I fill out the form and was DENIED. Then less then 10 minutes later I received a call from XXXX XXXX XXXX XXXX XXXX XXXX representing their self as been afflicted with the Federal government ( XXXX XXXX department assistant consumer with getting approved for XXXX housing program. They promise me after reviewing my credit that they could get my credit score repair to at lest 80 to 100 point from what it was. I asked what was their process and how long should I expect to see any changes. And I was inform that base on my credit it should n't take them no longer then 3 to 4 months. I question them about a judgment for past due rent. And they told me that I did n't have to pay it that they could get it removed. After all their gran promise the total me that their fee was {$500.00}. and it was refundable if I was n't satisfied. I have tried emailing and calling to request my refund with no reply. All they did was mess my credit up worse then when I was.
I went to XXXX XX/XX/XXXX - XX/XX/XXXX. The first night my card was fraudulently charged in the amount of {$1600.00}. The remainder of the trip, my account was in the negative. I attempted to call Chases 's international number numerous times and call would not go through. I also sent 23+ emails through the Chase app secure message feature. I also received emails appearing to be from " Chase Online '' but were actually from XXXX asking me to click on a link and that my account has been temporarily suspended. Chase contacted me Sunday night to notify me the {$1600.00} charge was not fraudulent, and that the merchant read my chip. I am now almost {$2000.00} in the negative from these fraudulent charges from a purchase I never made. Chase will not refund the charges, I was robbed and they 've done nothing to assist me with resolving the issue and do any further investigation.
I am in receipt of your letter dated XX/XX/XXXX. I have given you written communication more than once that the accounts listed are a result of identity theft. I request that these unauthorized accounts are closed, take steps to permanently remove any information about these accounts from my credit file. These accounts are in dispute and do not belong to me. 
Acct # ( XXXX ) XXXX XXXX in the amount of {$1300.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$1700.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$48.00}
On XX/XX/XXXX, my wife wire transferred {$45000.00} to my Coinbase account. On XX/XX/XXXX, Coinbase sent the following email to me to claim to send my money back : " You recently sent a wire to fund your Coinbase or XXXX account for {$45000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing. 

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or XXXX account. For more information, visit the Bank Wire Deposit section of our payment support page. 

If haven't received your funds after 7 business days, please email XXXX for assistance. '' However, the fund has not been back to my wife 's account after 21 days. I have sent multiple emails to Coinbase 's customer service but did not get any response.
I made a wire transfer that should have taken 1 day to come in for {$1900.00} to XXXX using my XXXX XXXX XXXXXXXX account. XXXX sent the wire over and XXXX has the money. I followed step by step and walked through with a support agent on the phone and they told me I did everything right. 

Their response was through email : Hi there XXXX, Im happy to look into this for you. Can you provide the following information? 
-Date transaction initiated -Name on the depositing account ( please include all names if its a joint account, or business account ) -The amount sent -IMAD number/Reference number for the transaction This will assist us in locating your deposit. 

Thanks, XXXX Support Team -- -- -- I replied back 5 mins later : Date transaction initiated : X/XX/2018 Name on depositing account : XXXX XXXX Amount Sent : {$1900.00} Reference Number : -- -- -- -- - ( not sure if i should include this ) -- -- 4 days later no response from their team and they refuse to give an ETA on when the wire will transfer when it was supposed to be a 1 day transfer. I even paid the extra {$10.00} fee for the 1 day transfer, and now we border 4 days, no response, no ETA, no communication. 

This is ridiculously absurd because tons of people have had issues with XXXX wire transfers not coming in through as promised. Reading up on some stories, it took a 1 day wire transfer 1 month to come through and several other testimonials with things like this. 

Please help me get what was promised from the company XXXX Thank you, Best, XXXX XXXX
I tried to send a notice to agency via certified mail and they refused delivery.. sent to address given on collection letter.
I paid off my Captital One Auto Finance loan early and they submitted to the credit bureaus " account closed '' instead of " paid in full ''. Subsequently my credit scores went down.
I moved out of my apartment XXXX/XXXX/XXXX and in XXXX I received a bill from a debt collector requesting payment of {$350.00} from XXXX XXXX XXXX stating that the XXXX & XXXX disconnect date was XXXX/XXXX/XXXX at the same location that I had moved from. I had never received any bills attempting to collect from XXXX & XXXX in three years until I received this collections bill in XXXX. I contacted the collections agency and advised that I turned my service off with XXXX XXXX XXXX on XXXX/XXXX/XXXX, they advised me to get proof that I had moved, I got the proof from the leasing property management that shows the date I moved and mailed it to the collections agency. I called one week later to verify that they had received the document and they advised me that XXXX XXXX XXXX still wanted them to collect and to keep it as a valid debt due. I called XXXX & XXXX and was told that they do not accept proof such as a letter from the leasing company documenting that I had moved. I asked them to pull the record of the call where they were to disconnect the service and I was advised that they could but most likely would not do it. Even with proof that I was not residing at the apartment, they refuse to help me and are attempting to collect a debt that is not mine.
I have been making payments to Mohela while I 'm in school. They are missing XXXX of my payments according to their website. It is very difficult to comprehend payments received on their website. I 've asked for an itemized list of ALL my payments and they do n't seem to be able to send it. I 've verified with my bank, XXXX, that they have received all my payments. I can send a list of my payments from my bank if needed. They should be able to provide a document saying what I 've paid to date so I can match that with my bank.
I don't know if this constitutes a scam, but it sure seems like it. A few years ago Wells Fargo opened a new separate credit card for my wife when I only wanted another card for her which we requested when we opened the account ... That just made me mad because it could effect credit scores. Now.. today, XX/XX/2018 I went to the Wells Fargo branch in XXXX XXXX , AZ ( I have been a WF customer for about 8 years ) to send a wire transfer to my stock broker and  when asked for ID I presented my driver 's license ( w/photo ), my military post access card ( w/photo ), and my law enforcement badge and state issued AZ Ranger ID ( w/photo ). I was told they required my debit card ( which I have not activated and NEVER use ). I believe this requirement is just another WF scam to require people to use debit cards to collect more fees??? I am switching banks to a more reasonable and customer friendly bank. It just seems wrong.
I got my CITI XXXX XXXX XXXX in XXXX. Once I got the card, I set up my autopay immediately. 
However, on XX/XX/XXXX, I found I was charged for late payment and interest on XX/XX/XXXX. So I logged in my CITI account immediately and found the autopay had n't set up successfully. So I passed my first bill due, which was XX/XX/XXXX. 
But I think, in this case, CITI 's poor management played a very important role. So I am writing to request CITI to refund my interests and late payment fee, which in total was about {$90.00}. My reasons are as follows : 1. I tried to set up my autopay once I received my card, but for some unknown reasons, I did n't set up successfully. However, there was no notification from CITI informing me of my unsuccessful autopay setup. 
2. I did n't receive any notification from CITI warning me that the bill due was approaching or I did n't pay my bill. I think it is CITI 's responsibility to inform its customer of the payment status. But I checked my emails, my messages, and even my voicemails, there was no one was from CITI. If CITI had warned me, I would have paid my bill on time. I have an excellent credit score, I wo n't owe any money to the bank. 
Therefore, I believe in this case CITI failed to fulfil its obligation, resulting in letting me make a loss. So I am writing to file the complaint and I hope anyone from CITI would contact me in the future and give my money back. 
Thanks.
MSW Capital responded to a complaint several months ago and agreed to remove incorrect information from credit reports due to fraud. The information still reports negatively on my credit report and I want this to be removed immediately. Please find the response that was provided by them several months ago.
This incorrect information continues to reflect negatively and lowers my score. Additionally, I have attached the court decision which reflects the case being dismissed by the court.
Previous response :   XXXX   XXXX  , 2016 Re :   XXXX   XXXX   XXXX   CFPB Case :   XXXX   MSW Ref # :  XXXX  OC Account # ending :  XXXX    XXXX   XXXX   : We are in receipt of your correspondence from the CFPB Complaint Database, CFPB Case Number   XXXX    and have reviewed your complaint and discussed this with our servicing attorney as well as   XXXX   XXXX   XXXX  . Our company holds the Fair Debt Collection Practices Act and all other Federal and State laws in the highest regards and enforcement of those laws as a priority in our office. In your complaint you stated that you believe you were a possible victim of identity theft. You had asked for the information that was used to create the   XXXX   XXXX   account when you spoke to them and that you ultimately believe it was a down an out family member who may have opened up the account fraudulently in your name. MSW Capital , LLC is a passive debt-buying company meaning that we purchase the accounts and outsource the collection effort to our collection agencies and law firms. After contacting   XXXX   XXXX   to obtain the information used to open the credit card, MSW Capital , LLC has decided to no longer pursue collection on this account based on these factors as well as your belief that it was opened fraudulently by a family member. We have contracted   XXXX   XXXX    XXXX   XXXX   XXXX   to vacate the judgment, dismiss the court case against you and close the file. We have also reached out on your behalf to ask that   XXXX   XXXX   remove this credit card from your credit bureau. This could take up to 45 days to be removed from your credit bureaus. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the CFPB and allowing MSW Capital , LLC a chance to review your case thoroughly with our attorney and resolve this situation on your behalf. See attached word document!
Company keeps calling my family members and my place of employment on a debt over 15 years ago.
Experian is not responding to any of my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
I have an account on my personal credit reports ( Equifax and XXXX ) with XXXX XXXX. This company is banned from collecting in my state as per the Federal Trade Commission ; Case XXXX XXXX XXXX ( 2014 ). I have mentioned this to the credit bureaus ( XXXX and Equifax ) in order for the collection to be deleted from my credit file and they have failed to do so.
On X/XX/17 I attempted to log on to my credit card account as usual ( to track purchases ) but was denied access unless I provided my annual income. I am a 20 year user of this card with no missed payments and a lot of credit I have never used. I saw no reason for their needing information regarding my annual income except to target me for credit increase offers or other offers. I explained I did not currently want either. If I were to initiate a request for a higher credit cap, I would certainly understand their needing my current income ; otherwise, especially given my record with their company, no. I will be closing this card and leaving Capital One. Extremely disappointed in this approach to a longstanding customer.
XXXX XXXX, XXXX ( 2 mos ) XXXX XXXX XXXX I have never been to XXXX XXXX XXXX XXXX and I do n't know where this hospital belong. Please remove this off my reports
I sent a letter to Experian requesting validation of an inaccurate item on my credit file. The letter included the very pertinent information as they themselves use. If Experian is not able to identify me by the very information that they are allowing an alleged collector to use in order to make a claim, how could this be considered fair credit reporting practices? 

Instead of validating the item in dispute, Experian replied with a request for unreasonable and unnecessary personal information from my personal files, such as a copy of my drivers license, utility bill, bank statement, social security number, complete spelling of my name, and addresses for the past two years.
Due to difficulty obtaining my Experian credit report, I filed complaint XXXX and received a copy. At the end of the report under social security number an incorrect social security number is list with the last XXXX numbers XXXX. My last XXXX numbers are XXXX so the listed social security number is not mine and should not be discussed in my credit report. During the past two years I have had a mistaken identity issue which is documented in a series of complaints that I recently filed with CFPB. The mistaken social security number gets reported to the credit reporting agencies along with the erroneous information such as collection actions that I have previously documented and had removed. As a result of these complaints, the mistaken identity name and social security number have been removed from my other XXXX credit reports. It needs to be removed from the Experian report.
with all of the above stated derogatory marks on my credit, it seems all are medical bills. Being that I am a XXXX XXXX who has paid for medical insurance for years, and when i was unemployed during lay off periods and what not I had medicare. If they could all be brought into XXXX debt, not several seperate collections, I would be more than happy to find a payment solution, and given a break on the total lump sum due to financial situations and I already pay a medical premium, child support, taxes, etc. If possible I would like all the medical credit history brought together as XXXX collection and a payment set up.
XXXX complaint on this mortgage. The first complaint was filed XXXX XXXX, 2015. 
I am still attempting to short sell the property with little to NO cooperation from the mortgage company ( Nationstar ). Since my last complaint, Nationstar asked me for an estimate on the damage to the property from the previous tenant. My agent submitted the estimate within 5 business days. Then they come back and require that I file an insurance claim on the damages, despite the fact that it is a townhouse. When there is no one living in the unit, there is nothing but liability/structure insurance on the unit. The coverage does not include interior damage from neglect. This is clearly stated in the covenants but Nationstar insisted I file a claim through the HOA. I filed the claim with XXXX XXXX. However, they are 2.5 weeks behind in claims and can not send anyone out until XXXX XXXX. Nationstar has been made aware of every step we have taken and we have jumped through every hoop they have required. They have already denied XXXX cash offer and it appears they are attempting to deny another. 
My agent contacted Nationstar ( via equator ) on XXXX XXXX to let them know there was another cash offer on the property. However, the offer could not be uploaded because " the portal was not open ''. We have YET to get a response from anyone from Nationstar. They have ignored our attempts at contact and submitting the new offer. When contacting the investor, XXXX, and making them aware of the current situation, they advised that they felt " Nationstar was not allowing the new offer to be submitted because the foreclosure date is so close ''. 
I have done EVERYTHING to short sell this property instead of letting it foreclose. Nationstar has been dragging this out and putting up barriers since XX/XX/XXXX despite having XXXX CASH offers on the unit. I have done everything they have asked of me ( and my agent ) and they have resorted to simply not responding at all. I am trying to fo the right thing and not let the property foreclose. The foreclosure date is set for XX/XX/XXXX, despite the fact that there is a current cash offer on the table. Anything you can do to help would be greatly appreciated.
I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with statefarm. A company that I have never done business with. Ever since I started driving my insurance companies have been allstate and travelers. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.
Common Wealth sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt for XXXX that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report and letter that was sent to Common Wealth.
these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late
XXXX Closed : XX/XX/2015 - {$1500.00} Closed This is not my account. Account was opened fraudulently. PLEASE REMOVE FROM MY CREDIT REPORT.
On XX/XX/14 I tried to access my account through XXXX XXXX but the bank that I was trying to access does not let outside applications get information about my account
I checked my Wells Fargo online account today and noticed that it showed a {$290.00} balance but {$0.00} available credit. I have a {$1000.00} credit line on this card. I checked my posted transactions and saw that 2 recent payments had posted to my account ( {$360.00} on XX/XX/XXXX and {$410.00} on XX/XX/XXXX ). I emailed Wells Fargo immediately and was told that these payments were " on hold until XX/XX/XXXX and XX/XX/XXXX '' as I had made " too many payments '' to my account this month. Another check of both my Wells Fargo account and my bank accounts showed that not only does my Wells Fargo show these payments as posted, but my Bank accounts show the money as having been withdrawn from my bank accounts on XX/XX/XXXX ( the {$410.00} payment ) and XX/XX/XXXX ( the {$360.00} payment ). In addition, I received my most recent billing statement from Wells Fargo via email on XX/XX/XXXX showing a balance of {$370.00}, which obviously includes the payment of $ 400+ that I had made on XX/XX/XXXX. Lastly, that billing statement has a due date of XX/XX/XXXX that I would not be able to pay on because I have " paid too many times. '' Quite frankly, I feel as if I have been robbed. Am I being charged interest on these non-payments? The money was taken from my bank accounts but is somehow not being paid towards my credit card. Yet, it is SHOWING as being paid towards my card when I check my account. But, Wells Fargo says it isn't. So, the payment is being posted according to them but it isn't being posted? Also, will I be penalized for going over my credit limit when I have nearly {$700.00} before I reach my limit? This is ludicrous.
To whom it may concern, Other then myself numerous family members have been receiving calls from  XXXX XXXX XXXX  real results debt collector XXXX XXXX, NJ phone # XXXX. I would like for this company to only contact me through mail and leave my family that live in XXXX XXXX, ca and XXXX, New Mexico alone this is not their bill it is MINE. The only reason I know of this collections because I receive emails from my family and I would like for it to stop.