WillisBack/dataset-financial-user-claim huggingface dataset:
I have just recently joined TD Bank at the beginning of this year. When I had joined they banker had signed me up for TDBank Debit card coverage. This will allow debit card purchases to be put through on my account if there is not sufficient funds to cover the transaction. During this time I have had some extreme financial hardships I have lost my job, had to help support my mother who was going through a severe separation, and also was helping a family member deal with a XXXX XXXX. During those times my accounts had become lower then usual. I would sometimes have checks bounce, or charges as little as {$1.00} dollar come into my account and cause {$35.00} worth of fees. Over the course of less then 1 year since I have had this account opened I was charged over {$2000.00} worth of overdraft fees. This is only making my situation harder. There have even been times where a {$200.00} charge was returned unpaid and I was subsequently charged more then {$200.00} worth of fees. I have called TD numerous times and they have refunded me a couple hundred dollars worth of the fees but no where near the amount that I have been hit with. I am writing to you to see if there is anything that you can do to help me.
Dear Sir/Madam : I am being sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) who filed a complaint against me in XXXX XXXX, XXXX. I now have a pre-trial conference scheduled for XXXX XXXX and a trial scheduled to take place the following month. I have been in a legal battle with this entity for two years and managed to vacate a judgment placed against me. I do not have a lawyer because I simply can not afford one. I have filed numerous complaints ( before I was sued ) with the Attorney Generals Office as well as Consumer Financial Protection Bureau ( CFPB ) against XXXX who claim to own my private student loans to no avail. Both agencies failed to conduct a proper investigation into the matter and failed to protect me as a consumer. After I had conducted an investigation, I realized that XXXX did not own my private student loans due to the following : 1. XXXX provided copies of my promissory notes with missing pages ( e.g terms and conditions ) 2. XXXX provided copies of their Pool Supplement and Deposit & Sale Agreements which were not fully executed, did not list my name, did not reference promissory notes, no purchase amounts listed and not notorized. 
3. It is unclear if the name listed under the lender, Charter One Bank, N.A. Is an authorized signer. Most companies have a delegation of authority in place. 
4. XXXX is claiming I owe more than what I borrowed and paid towards the private student loans. 
5. Charter One Bank was acquired by Citizens Bank in XXXX but did not change their name until XXXX. It is unclear whether Citizens Bank sold the debt or paid it off when they purchased Charter One Bank. 
6. Citizens Bank is unable to confirm the business transaction between Charter One Bank and XXXX. 

When I read the XXXX XXXX XXXX article about CFPB filing a lawsuit against XXXX, I thought finally there was light at the end of the tunnel. This quickly changed when I called CFPB only to find out no one knew about the case. I thought CFPB made it clear to XXXX to cease all collection efforts in regards to debt collection until an audit was performed? Why am I still being sued? I hope you understand that there are individuals going through the legal process now. Not just those who were already sued and have been paying XXXX. What do you say to those individuals such as myself? Sorry we can not give legal advice. This does not make any sense. CFPB should take full responsibility for letting millions of consumers down. XXXX have been illegally filing false claims in court against borrowers since XXXX. You finally did a review and filed a complaint against this entity in XXXX. Really? If you think you deserve a pat on the back ... ..you dont deserve it. As a matter of fact you should also be sued for your failure to properly conduct an investigation, communicate with consumers and taking action against the entity in question. I need someone in upper management who is familiar with this case to contact me.
receivables management sv c is reporting false information to all  XXXX  credit bureaus. they are attempting to collect for services I never had. credit reporting amount of {$590.00} that I do not owe. I have reached out for a debt validation and gave them 30 days to respond but I never heard anything back.
Hello, My name is XXXX XXXX and I am current customer of Pacific Union Mortgage. I refinanced my mortgage with them in XXXX of XXXX. I have made my payments with them on time since then and In XXXX of XXXX and I being told, that my mortgage payment will increase over {$800.00} dollars due to an escrow issue. After researching this and calling Pacific Union in XXXX XXXX of XXXX, the CSR rep at Pacific Union discovered this was a mistake by Pacific and the title company for completing excluding the school taxes and that they would reach out to the Title company to get payment from them. The guy said he could clearly see this was overlooked by both Pacific and Title and not to worry. It will be handled accordingly. He said this would be resolved in 30 days. I call back 30 days later and the CSR rep tells me this is my problem now and I should have caught this upfront!! How do you tell a customer his payment is going to increase over XXXX dollars??! Now either the title company or the Pacific Union needs to be held accountable for this mistake. They created this issue and now they need to resolve it! I ca n't afford an {$800.00} dollar payment increase! HELP!!
I got my XXXX credit card statement from Discover Card. There was a charge that I did not recognize on it. I called and reported it. They researched it and sent me a copy of the creditt card receipt. It had someone else 's name on it. Yet I am being held responsible for the charge. They advertise that you will not be responsible for charges that are not yours. Yet I am.
Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this Citi debt is not mine.
XXXX XXXX financial services continued to contact me at my work place after I repeatedly told them to stop calling. They also have contacted my mother, my ex wife which neither are on the loan. They have sent someone to my house that refused to leave until I call XXXX XXXX, that person drove in my yard and ruined my grass because he said he was to old to see at night. This is considered in my opinion harassment, I have had my loan for over 3 years and have never been 30 days late.I am getting headaches and body aches because of the constant pressure that they are applying. I have never experienced this, I have had over 5 car loans, multiple mortgage loans and no company has treated me in this manner. The representatives are very rude!
I have requested Chex Systems on numerous occasions to remove the the reported information from XXXX XXXX XXXX XXXX and each time it is removed and then re-instated. I have sent a police report, and an FTC Affidavit as these accounts were opened without my authorization. Please remove all inquiries from this credit union and remove the reported information again.
XX/XX/XXXX-received a letter from XXXX XXXX that my account was assigned to them from Washington Mutal in the amount of {$13000.00} for debt if {$5400.00} and interest chrarges of {$8000.00} XX/XX/XXXX-replied requesting validation of said debt, along with proof of statute of limitations not expired, that they were licensed to collect in my state, their license numbers, agreement with creditor authorizing they can collect debt, agreement bearing my signature that I agreed to assume debt, valid copies of debt agreement. XX/XX/XXXX I received copies of old statements dated from XX/XX/XXXX, and 3 from XX/XX/XXXX. Last was dated XX/XX/XXXX. I contacted the number on the old statements Since Washington Mutual went under, I was referred to JP Chase, who had no record of this. I know for a fact that This account was paid/settled for less than amount owed with Washington Mutual in XX/XX/XXXX. Last correspondence with Washington Mutual was XX/XX/XXXX. It was reported on all 3 credit reports as such and was also removed from all credit reports in XX/XX/XXXX. I do not have these old records as when they were removed, and I did not believe I needed to keep old paid records. I checked with the credit bureaus also but once they are removed they have no record either. I never received any other correspondence about this debt from any other organization, only from Washington Mutual. I 've never received any correspondence before XX/XX/XXXX from this company before. XX/XX/XXXX I received another letter from XXXX stating I am the correct consumer for this account and they expect payment. I have not responded yet, as I believe this time period between last contact with creditor is past 8 years and this debt has become statue barred, plus they ca n't collect on the same debt twice.
We took our XXXX for an emergency but we had to transfer it an emergency hospital and paid the clinic in full. We learned at the hospital that they had lost the blood tests and mishandled the case and told the clinic we did not feel we should be charged. When we got the credit card bill we disputed it and received notification it was resolved in our favor ( see attached document for further details ). We heard nothing until months later we got a letter from a debt collector ( we have filed a claim with you against them already Case number : XXXX ). We called them explained the situation and sent them all the information with a request that they contact us if they needed any further information. Again we heard nothing until months later Identified us about an inquiry which turned out to be a negative report from the debt collector. We contacted Experian and disputed the report. We sent them a complete package of all of the documentation including the paid bill and credit card resolution. They simply sent an inquiry to the debt collector who said the account was valid and had not been paid without reviewing the documentation which showed the debt should never have been sent to the debt collector as the merchant did not respond to the credit card company 's inquiry about our dispute or send us anything once the case was resolved, and the debt collector did not do due diligence when the information was provided to them. We disputed their first finding and they simply repeated the same inquiry which we have now disputed again showing them a perfect credit history except for this XXXX " incident ''. We did the same process with the other XXXX credit reporting services XXXX of which deleted the report after finally reviewing the material. The attached documents have the original payment, the credit card company resolution information and a much more detailed explanation of everything which has transpired. We would appreciate your assistance in getting this negative report removed from our credit record.
Portfolio Recovery Associates placed a negative Charge-Off on my account before XX/XX/XXXX. They were not licensed to collect in the State of Florida until XX/XX/XXXX. I have attached my credit report dated XX/XX/XXXX to this complaint. 

Portfolio Recovery Associates has been illegally reporting delinquent information to the credit bureaus, I am asking that this information be deleted.
This company is fraudulently reporting onto my credit report. They sent me a contract with no information leading to me, just a paper that had my name on it. 

They stated they had phone calls according to their records of me admitting this was my debt, I've asked for these phone calls and they have not provided them. 

IN ADDITION, I AM REQUESTING ALL DOCUMENTATION THAT SHOWS MY SOCIAL SECURITY NUMBER WAS USED AND GIVEN TO YOU, THE AGENCY, AND THE ORIGINAL CREDITOR. 

Sending me a fraud affadavit is not the solution. How can I fill out a fraud packet and I don't have any proof of my social security number being used? you sent me a contract ( which I kept and am sending to the bureau 's as well as my state attorney general ) that did not have my social security number on there ... 

That being the case, how do you know it belongs to me? That could've been anybody! And it apparently was somebody else, I've never resided at the address listed nor have my number been what was on that contract! 

If what was shown to me previously is all you have I am demanding that it is deleted NOW! Where is the paperwork with my social security number?! There isn't any!
I have been receiving at least one sometimes two calls a day from a company called Rev One Solutions. They have changed their number from a local area to XXXX. They continuously call. Sometimes it 's a real person but mostly a robo call with a prerecorded message. I told the woman who I spoke to NOT to call again. The latest phone call I received was at XXXX this morning ( XX/XX/XXXX ).
Equifax is reporting the wrong date of birth which is causing me to be denied credit. I have sent the required documents that were needed to correct this incorrect information on 3 separate occasions by mail and by fax. Every time I call Equifax they say that they havent received anything.
AMEX gave my personal information to XXXX during the XXXX credit card change over fiasco AGAINST MY SPECIFIC INSTRUCTIONS. I called AMEX as soon as I found out what was transpiring and was told the only way to stop the information from flowing to XXXX was to cancel my AMEX account, which I did immediately ( XX/XX/XXXX ). Today, XXXX XXXX, I received his and hers XXXX cards in the mail. Absolutely UNCONSCIONABLE. AMEX has proven its incompetence at keeping customers and I guarantee that I will NEVER be a customer of theirs again nor will I ever recommend to any of my friends or family to be members.
I am not sure if this rises to the status of a " complaint '' or not, but after I purchased my current home with a conventional mortgage from my local credit union ( XXXX XXXX XXXX XXXX in XXXX, XXXX ) in XX/XX/2012, my loan was then sold three times in the first year until it reached XXXX XXXX in XXXX XXXX . It has been there ever since. But when I tried to make payments every two weeks in order to reduce my total interest payments and shorten the duration of the mortgage ( a common financial strategy ), Regions would not credit any additional payments after the first one was made. Instead, Regions just " holds '' the money paid in any second payment that month in what it calls a " suspense account '' that only credits the money to my account when my next monthly payment is due. In essence, they prevent their customers from making more than one payment per month unless the second payment is at least as large as the total monthly payment. When I phoned their customer service department, I was told that this is their policy for all mortgages and there is nothing I can do about it. 

I realize this might be legal for them to do, EXCEPT that the terms of my original loan with XXXX did not contain any such limitation. My understanding is that loans can be sold as long as the original terms of the mortgage are still upheld ( interest rate, monthly payment amount, etc. ). So if my original mortgage holder allowed more than one payment per month and immediately credited my payments, shouldn't the same be true of any subsequent mortgage company that my loan is sold to? Thank you.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
XXXX XXXX 2015 Amount says XXXX This amount has been paid. Now a third party is trying to collect the same amount.
I had aXX/XX/XXXXXXXX XXXX Lease through GM Financial that I paid-off on XX/XX/XXXX of this year ( 2018 ). The lease was closed-out when we purchased a vehicle at XXXX XXXX XXXX, paid-in-full, and we were sent closure documentation and even a refund a month or two later for overpayment. 

On XX/XX/2018 we noticed withdraws still occurring from GM Financial within our checking account, and found automatic payments being withdrawn from our checking account in the amount of {$250.00} every month despite having paid-off the lease ( from XX/XX/2018 through XX/XX/2018). We thought, that's where all our money has been  disappearing! 

On XX/XX/2018, my wife called GM Financial, and was very kind and detailed, provided the exact days, amounts we paid, pay-off details, amounts still being fraudulently withdrawn with each day and amount, and ended up having to fight with an employee named XXXX ( employee # XXXX ) on points that were so silly that XXXX actually asked at one point, " Don't you think it's a problem that you didn't see XXXX coming out of your account for 5 months? '' As an argument against just giving us our money back! 

We requested a supervisor and were not able to speak with one. 

We emailed top executives ( XXXX XXXX ) at GM Financial requesting a remedy and suggesting that the voice recording of the call between us and XXXX be pulled to review the poor service representative. We received no response. 

We also contacted our Bank, XXXX XXXXXXXX XXXX XXXX in an attempt to prevent continued withdrawals by GM Financial. Our bank told us that since they're using a different reference number each time it wasn't possible to stop GM Financial from continuing to automatically withdraw fraudulently. Even the bank can't stop a fraud apparently. 

Today, on XX/XX/2018, we notice that yet another GM Financial withdrawal was made for {$250.00} from our account. We have had fraudulent withdrawals from GM Financial for 6 months now since paying off the lease in-full in XX/XX/2018, a theft of {$1500.00}. 

This is a crazy situation! We are so thankful for the CFPB at this point and aren't sure what we could even do without you! 

Please help : (
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.
I have already filed several complaints with your agency, all of which end up being closed by the perpetrators indicating that they believe they have abided by the law while the truth is every piece of documentation I have contradicts this notion. Previous complaints have dealt with my reasonable attempt to modify my mortgage over the course 2.5 years in which the mortgage servicer " has played games '' rather than make any good-faith attempt at modification. Recently, after contacting their top compliance officer, I was able to get a " trial modification '' which expressed no clear terms on what benefit I would receive participating in such a program. Therefore I was forced to pass on such a modification. I have been given no reason to believe by the servicer that they or anyone that they are affiliated with has an association with my mortgage. After formally sending for RESPA request with over XXXX questions, the servicer has not provided any substantive answers. Further, my independent research has shown that the servicer has engaged in fraud to attempt to deprive me of my home and profit not only from the bailout money already provided to them, however also additionally profiting by giving fraudulent modification terms to me in an attempt to collect money while their intent is to attempt foreclosure. In researching at the County recorder 's office, I have found over the course of the past several years multiple fraudulent documents filed, in which each of the documents has additional fraudulent acts including forgery ; misrepresentation, and additional acts too numerous to name in this complaint. I have learned that the " pass-through account '' that the servicer has attributed their standing to does not contain my mortgage. I have issued a demand letter to the servicer and have received no response despite the fact that I am highly concerned about a very clouded title. The servicer did however send me a payoff statement which I believe was a further attempt at intimidation to ultimately deprive me of my home. I have substantial equity in my home and an inability to make any move on it as due to the fraud perpetrated by the servicer has clouded the title. I have demanded that the servicer provide me something that proves a non-fraudulent chain of title providing that standing and they are either incapable or unwilling to do so. Again this is only one aspect of many many complaints of illegal activity on the part of this company which has been publicly scrutinized before and forced to close under the name of XXXX. They then reemerged under The name Select Portfolio Services and they are engaging in the same activities that cause their legal troubles under the former corporate name. I will of course file a wrongful foreclosure lawsuit if they should continue these illegal attempts at depriving me of my home, however more importantly I am seeking a way to remove the cloud of title.
I had a credit fraud with my first card Nd the company captial one said they tske care of it they sent me a new card yes i took the XXXX out the card im paying for it and then i get bill it went to XXXX that i took 2 cash adavances wich is not true this is fraud they report this it messed up my credit by 50 points will like to know how to resolve this
on XX/XX/XXXXa mastercard was closed by XXXX XXXX. i spoke with employee XXXX XXXX said that he could only file a comment. he read off that a reporting agency transunion is reporting that i have to many inquirys ( 1 from XXXX XXXX ) my credit score ( XXXX ) usage and balance of the card ( {$0.00} ) were all factors of closing my account, i was told that the card was not a department store card i could use it anywhere. 
Account opened XX/XX/XXXX closed XX/XX/XXXX even tho i did not choose to close this account. 

the rep i spoke with really did not give even after i mentioned that this is an fcra violation. i asked if some one would follow up? he mentioned that this was just be documented for back office.
bank of america has responded 3 times now stating they think i have been a victim of fraud, NO XXXX!!! BANK OF AMERICA IS THE ONE COMMITTING FRAUD!!!! THEY REFUSE TO LET ME FILE AQ COMPLAINT FOR FRAUD AND THEY ARE REPORTING ON AN ALLEGED DEBT THAT THEY CAN NOT PROVE!!! ITS OVER 7 YEARS OLD TOO!!! THATS AGAINST THE LAW YOU CRIMINALS!!! DIRTY ROTTON SCOUNDRELS YOU ARE!!!! 
YOU DO NOT HAVE AND CURRENT VALID CONTRACT WITH ME YOU CAN NOT PROVE THAT DEBT IS MINE!! 
YOU ARE IN VIOLATION HAVING THIS FAKE DEBT FOR OVER 7 YEARS CRIMINALS CRIMINALS CRIMINALS!!!!!!!!!! PLEASE ANSWER MY QUESTIONS YOU ROTTON CRIMINALS, SILENCE IS ACQUESCENCE, SILENCE IS FRAUD, SILENCE IS GUILT,!!!!! WHY WONT YOU ANSWER TO ME CRIMINAL!!!!