WillisBack/dataset-financial-user-claim huggingface dataset:
While away last week, I received a letter from Capital One thanking me for applying for a credit card and saying that the credit freeze prevented action on the application.  I did not apply for a Capital One card at any time.  (This is why I have credit freezes.)  Although there was only a mailing address on the refusal notice, written advertising materials included a number to call (XXXX).   A call to that number was answered with a menu option. There was no option to request an agent, even though I asked repeatedly. When I tried to call back several times, I got only a "number not in service" message. After about XXXX minutes, I called the back, used a different menu option (new card) to get a live agent. When I asked for the fraud department, agent XXXX (sp?) put me on hold, then said XXXX would talk with me.  However, the call then disconnected.    When I call back later, I got only the  a message that the "office is closed until XXXX tomorrow."  I then went to website for reporting Capital One fraud and called that number.  A woman with heavy XXXX accent answered and said they could not investigate without having my SSN.  When I refused to give that, she then consulted with someone else and came back saying I would need to submit copies of my credit reports in order to have an investigation.  This seemed fishy to me since there was no way to verify that it was a legitimate site.  I disconnected, telling her that I would be reporting the incident to the authorities.  On the call to reach a live agent, I did have to give my name and address in order to reach an agent but gave only this public information.
In the same week, I received a similar message from XXXX and this morning had a phone message about the application with instructions to call XXXX.  I did have to give name and address to them; they did not request any other information and said they would send letter confirming the cancellation.  Now I have concern about that one as well, though credit freeze should block any action.
This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the XXXX XXXX XXXX and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was XXXX XXXX XXXX that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.
To whom this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, the CFPB, and others - however - despite multiple attempts to contact Chexsystems I have not gotten a response from Chexsystems and negative known to be false information continues to appear on my report. However, whats worse is that Chexsystems has failed to following the rights, as explained on Chexsystems ' own website here : XXXX Specifically, at least the following violations have occurred : 1. ) Chexsystems has not initiated an investigation into my disputes and continues to request unnecessary information as an excuse for not investigating. 2. ) Chexsystems has not provided me with a copy of my credit file in or provided me with a response to a dispute within the allotted time. 3. ) Chexsystems has not included my " brief statement '' on file, meaning I am being denied my rights to dispute information that Chexsystems has failed to remove or properly investigate. 4. ) Chexsystems has not resend my file to financial institutions who previously obtained a consumer file with disputed and known to be false information. 5. ) More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response via registered or tracked mail to XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. I have experienced missing mail, which is also in my previous complaints to Chexsystems and thereby believe this requires the use of tracked or registered post to avoid the sensitive information from getting stolen and to confirm delivery. Should you have any questions or concerns, please contact me at XXXXXXXXXXXX or via mail to the address above.
I just received notification today, XX/XX/XXXX, from XXXX   that Chase pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX Chase FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with Chase and a letter from Chase verifying it was fraudulent. I have attached my complaint letter directly to Chase telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). Chase did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.
This company Credit Solutions LLC which I have NO CONTRACT nor have I recieved services from reported a collection Account against my SSN in the amount of {$280.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and accounts however the business failed to provide adequate proof. Considering this business does not have a contract for me for goods they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
On XXXX XXXX, 2013, our home went into foreclosure while going through the process of loan modification. We were told not to make payments while going through this process because it would delay the process. Each time we would call, they would tell us to send another copy. After numerous paperwork sent and 10 months later, we received a letter from Flagstar 's Attorney stating that our home would be sold on the courthouse steps in XXXX, AR. XXXX. We owed {$200000.00} on our home. They sold our home for {$110000.00} but yet they would not work with us to keep it. Due to Flagstar 's actions, needless to say, our credit report has shown negative and derogatory information for 4 years.
On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with XXXX XXXX XXXX XXXX. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified XXXX mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that XXXX and XXXX XXXX had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that XXXX and XXXX XXXX served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}
I get repeated calls for a collection agency trying to collect a bills that I do not recognize. I never received any bills regarding a medical bill due. I really need the collection calls and need some detail about this bill.
On XX/XX/XXXX, I started a transfer for XXXX $ to my coinbase account from my business account at XXXX XXXX XXXX. I got an email saying the transaction had failed because I did n't have enough funds in my bank account. The email did n't mention it would automatically retry payment. So I just left it because by that time I changed my mind. Then on the XX/XX/XXXX I see XXXX $ has been taken from my bank account by coinbase which I did n't initiate it at all. Those funds have not been transferred to my coinbase or XXXX ( same company ) account since then for me to send it back to my bank account. For the longest time there was n't an option to email XXXX because it kept saying that they are backlogged and when I finally was able to, I have n't received a response. I tried calling them and no one has answered. It seems a lot of people are having problems like this with this company.
My grandmother wrote me a check for XXXX, but the date was wrong. I did not notice until the bank teller told me so. Now, this is understandable. I laughed it off and went home to call my grandmother. She apologized and wrote me a new check. Now, keep in mind that she is XXXX XXXX XXXX. After driving quite a distance to pick up this new check, I arrived approximately 1 week later to the very same bank location. And the very same teller. Little did I know, my grandmother had crossed out the new check number and written the old check number. Apparently this is not okay. So, I was denied once again. A little frustrated at this point, but by no means mad. This is again, understandable. After waiting a week and driving ANOTHER quite a long distance, I pick up a third check from my XXXX year old grandmother. Did I mention this has taken up a significant amount of my time and money? Driving long distances and leaving work early, etc. I arrive at the bank once more, same location, same teller, confident that " third times a charm. '' Well it is not. This time, my poor XXXX year old grandmother 's handwriting is " illegible. '' It is to the point where I am being profiled. I was told I need to tell grandma she needs a power of attorney. My grandmother does not need a power of attorney. The best part is, I heard XXXX tellers say the amount of this check aloud. It 's clearly legible.
I opened up a XXXX XXXX XXXX ( or sometimes referred to as Banco Popular ) account. I made an opening deposit of {$25.00} of which was to be transferred by XXXX XXXX. On XXXX XXXX XXXX, I was told that XXXX XXXX rejected the {$25.00} ach transfer and that the XXXX XXXX XXXX account would be closed that night ( because it is their policy to automatically close accounts in which the initial funding has failed ). On the same day ( XXXX XXXX ) I transferred {$10000.00} from my XXXX XXXX account to my XXXX XXXX XXXX account. The funds arrived in my XXXX XXXX XXXX account on XXXX XXXX. Since then I have been told that the XXXX XXXX XXXX  account is in process of closing and that the {$10000.00} would be returned to the bank that the money originated from ( which was XXXX XXXX ). It has been 18 days since I was told that the Popular Community Bank account would be closed ( which was on XXXX XXXX ). They told me that they will not transfer the {$10000.00} back to XXXX XXXX until the account is closed. They have been holding my {$10000.00} hostage for 18 days now and simply take their time closing my account. I have called them 6 times and have been into their branch on XXXX XXXX XXXX in the XXXX NY and nothing has been done. Please take action in any way that you can.
I received repeated calls and hang ups from XXXX Associates collection agency in Florida. When they finally spoke to me they threatened me with a civil suite and reporting to the Credit Bureaus for an unpaid bill for home repair work I had performed over 2 years ago. I said I had paid the bill and would find proof at home in my records. The next day I sent them my receipt for the final bill marked " final '' and proof of payment with method and date. They said that this was XXXX of XXXX bills and I stilled owed on another bill and I needed to call their office " that afternoon '' to resolve. My records were at home so again I dug through records and found my copy of the other paid bill with method of payment and date. I called the next day repeatedly to explain what I had found. XXXX XXXX ( the agency owner ) refused to take my calls. By afternoon I told the receptionist that I would hold since my calls ere not being returned and he would not take my calls. XXXX XXXX was again threatening about not paying my bills and refused any explanation of the documents I sent him. 

I called the Contracting company and they explained that the salesman had left the company and that they had many duplicate quotes in the system for the work performed on my home. Somehow they decided to randomly pick XXXX quotes and insist I owed them {$2500.00} I have provided proof of payment for the XXXX bills I received for the work performed. What they are trying to collect for is duplicate billing and erroneous work from sloppy paperwork from a former salesman.
I have made two payments in the last month that are not reflected in my loan and loan 's history. I have made several complaints to my loan service provider, but with little avail, I have requested documents to assure my payments have been received.
XXXX XXXX withdrew over {$1100.00} from my XXXX XXXX XXXX account to satisfy 2 credit card debts, under false pretenses. They claim I authorized, verbally, and instructed them to do so. I did not have these funds available, and this caused my account, overdrafts included, to plummet to $ XXXX. 

These verbal conversations never happened at all. I did not speak to anyone from XXXX, much less instruct them to do so. Who would instruct someone to withdraw money that they knew wasn't there? It was an absolute lie and I am attaching these letters. My phone records show that no call took place on XX/XX/XXXX, as they claim happened. I received letters thanking me for my verbal consent and instruction to pay in full. 

XXXX did reverse the charges for my account, but it's frightening that collections departments at a bank think they can create a consent that didn't happen. I did consult an attorney when this happened, and he advised me to work with my bank, XXXX, and file a complaint with the Attorney General 's office about XXXX.
My credit was ran with someones elses social. with my demographics. they have access to my report. the company attempting to collect money from me sent the proof of the application and the credit report from transunion.
I open opened this account XX/XX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XX/XX/XXXX for {$30.00} ( {$27.00} scheduled payment ) then on XX/XX/XXXX paid {$38.00} ( which would have paid off the entire debt ). I .. all payments were reported as paid. Until XX/XX/XXXX stating I was 30 days late, which is not true. 
On or about XX/XX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XX/XX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XX/XX/XXXX and payment was not credited until XX/XX/XXXX- though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.
In XXXX of XXXX I realized that my bank account had been garnished by Messerli & Kramer for approx. {$260.00}. Shortly after that I received two letters from XXXX XXXX. One stating that my account was set to be garnished altho the garnishment had already happened and then later one stating that it was illegal for them to garnish this account as the deposits were from my Social Security and VA benefits. At this time I reached out to XXXX XXXX XXXX to see what was going on and if they would settle the account for {$1200.00}. They informed me that a settlement would not be allowed and that I would need to pay the balance in full. They also stated that the account would continue to accrue interest at 4 % per month and that I could not stop them from taking it out of my bank account. 

Currently I am attempting to refinance my home so that I can lower my payments and make my home affordable to live in. During the process of the refinance my lender informed me that there is a judgement from XXXX XXXX XXXX that is preventing me from being able to close on my loan. The processor working with my lender began to reach out to XXXX to get payoff information. After weeks of calling in and not reaching anyone at XXXX she finally got a call back. They informed her that Messerli & Kramer are now handling the account and provided the processor with thier contact information. When she called in to to Messerli & Kramer the collector ( XXXX ) began to provide tons of my non-public personal information to her without my consent. I never signed or authorized them to release this information and according to my processor the information was given at will. My loan officer then called me on a three way with Messerli & Kramer to see if he could assist me with working out some sort of debt settlement. At that time the collections agent ( XXXX ) still did not ask my permission before divulging my personal information. This is a violation of my privacy. 

They pulled funds from my bank account that fall under the exempt rule when garnishing a bank account. I am a retired XXXX Vet that is on SSI and receiving social security. I explained this to the collection agency that I needed to be refunded the exempt funds but they refused to do so. I would like to be refunded the fee garnished from my bank account
I was hung-up on twice by each person in the office. 
I feel that I was overcharged on the Garnishment ... ..I was charged twice for Court Fees after My Employer had already replied to the Company. I was already on an existing Garnishment and the Company knew that and went ahead and filed again on me, charging me over {$100.00} a second time for the Court costs.
I am asking for a copy of the proceedings from your local court. If they can produce records that you filed for bankruptcy, If they can not find a match, ask them to issue an order to have the filing removed from your report.
Portfolio Recovery/Portfolio Recovery Associates Inc has two active collections accounts on my credit report that is old debt. New accounts are created to maintain an open account status on my credit report. They have repeatedly contacted my home, my cell ( of which theyve never been provided that number ), my spouse, my in-laws, my parents, my deceased grandfathers home - they have been asked on numerous occasions to stop calling, and they have not. They call my cell multiple times per day and I have blocked numerous numbers from their company to no avail. They just call from another number.
I graduated school in XXXX borrowing a total of {$60000.00}. I recently took a personal loan to pay off the balance of {$72000.00}. All in, {$39000.00} in interest was capitalized and was added to the principal balance and I paid {$99000.00} principal, and an amount of {$51000.00} accrued interest was also paid, totaling {$150000.00}. For a loan of {$60000.00}, I paid a total of {$150000.00} over the course of under 18 years. I have been XXXX XXXX military XXXX over the last several years, and am currently in XXXX. For the last several years I took advantage of the lower interest rate under SCRA. Even still, I have been paying more than the minimum payment, however, almost all of the payment went towards interest, without making an impact on the principal. Additionally, the allocation towards interest and principal fluctuated month to month. Even though I was paying over the minimum balance, the principal continued to creep up to a point where I would never be able to pay the loans off. For example, I made a payment of {$400.00}, more than the minimum payment, on XXXX XXXX, XXXX. Only {$2.00}
In XXXX I transferred my mortgage to Chase with a balance of XXXX. In XXXX, I lost XXXX of my XXXX jobs and i was worried that I would not be able to make my mortgage payments. I contacted Chase for assistance, I was told that the only way for them to help is if i would miss 3 payments and fall behind on my payments which I did. They offered me a loan modification. I was told that I would have to accept this offer or I would lose my home and the offer was this : My interest rate did not change. It stayed at % 5.75. which was the same rate as of XXXX 
My monthly payments went up by {$50.00}. 
My principal amount went up by the amount of missed payments. 
And My maturity date changed from XXXX, which was the the date for the 30 year fixed mortgage to XXXX I have to pay and additional XXXX years of interest ... .. 
I am asking for help to resolve this matter. The Chase bank did not help me in my time of need. They took advantage of my bad situation and threatened me to take the " loan modification '' or my home would go into " foreclosure '' and I had no choice but to take the deal. Since then I have contacted Chase to help me with this matter but they insist that what they did was correct. 
I am XXXX years old and with this modified loan I will not be able to pay off my home. I most likely be dead by XXXX..Chase bank has taken advantage of my situation and has increased my loan repayment interest by XXXX years or XXXX additional payments in the name of helping the " customer '' or loan modification. I am not able to refinance my loan with a better rate and I have lost the opportunity to get a lower mortgage rate because of their actions. 
Please help me to regain a fair chance to own my home and not to continue paying all these extra interest payments. Thank you I have not missed a payment since the recommendation was made for me to fall behind my payments.