WillisBack/dataset-financial-user-claim huggingface dataset:
I have already written a lengthy and descriptive notice to Portfolio describing the nature of my complaint as I didn't know how many characters you would allow. I will attach it to this complaint along with all relevant documentation I have on this complaint. As a brief description to you, Portfolio has sued an individual using a now Defunct Law firm by the name of XXXX XXXX  XXXX. Portfolio sued this individual using my social security number. Because the judgment is not on my credit report, I didn't find out about it until I was in the middle of escrow and underwriting found it. Obviously it is not mine as the defendant 's name is XXXX XXXX and I am XXXX XXXX. 

I have attempted to contact Portfolio Recovery Associates to have them correct this situation. I have informed them that I am late into my escrow and my {$3000.00} deposit as well as the home itself is in jeopardy. Portfolio has acknowledged that this account is not mine but refuses to do anything about it. They are leaving it in my hands and have lied profusely about many things which are noted in my letter. If this ordeal caused by Portfolio 's lack of an investigative procedure or due diligence in making sure the entity they sued or the information used to sue an entity is the proper information is not corrected, then I will have no choice but to sue them. I am hoping this complaint gets their attention and gets you to see how willfully negligent Portfolio Recovery is conducting itself.
The lender is responsible for creating an escrow account for home insurance and taxes payment. The lender created a fake invoice for home insurance and sent the fake invoice to the closing company. This caused me to almost miss my premium payment for home insurance. The lender also misrepresented the city tax, and caused me to pay nearly double in property tax as mandated by the city.
Bay Loan Servicing has been mishandling our loan modification since it was first initiated. After calls and e-mails on our part to the case manager, she either does not respond or just simply ignores us. The case manager weeks ago sent a XXXX packet which contained the legal documents to finally complete this process. We signed, dated and notarized there legal paper work. We also included our banking information in order for them to withdraw our monthly mortgage payments. We sent the return documents via XXXX and a week later we received a reply from Bay Loan via mail that they had in fact received our paper work and that our payments would be pulled from our bank account. Nothing else is needed from our end, since everything was properly completed. So fast forward to today and we receive a 3rd packet stating that they made a clerical error and that we now have to re sign all the documents again. How is this possible? When is this endless cycle going to end? We are requesting a call from corporate directly and need assistance with finally resolving this modification. We are law abiding citizens and jump through hoops to do the right thing and yet again we are told that the process must start once again.
On XXXX-2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.
Hello, My name is XXXX XXXX XXXX, XXXX XXXX, XXXX, California XXXX. I am a client ( Client Account : XXXX XXXX ) of the crypto currency exchange, Payward INC. ( XXXX XXXX ),  XXXX XXXX XXXX, XXXX, California XXXX ; that does business in California as crytpcurrency exchange ; Kraken, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, California XXXX. 

On XX/XX/XXXX, I am the owner of XXXX EOS tokens ( worth on that date, {$8500.00} ), an Ethereum ( ETH ) based XXXX token. XXXX tokens are only abled to be sent to and from using the ETH block chain. Kraken utilizes unique crypto currency wallets addresses to track the deposits and withdrawals for the ETH and EOS tokens. 

On XX/XX/XXXX, EOS social media reported that the holders of EOS tokens would receive free airdropped tokens for each EOS token they own, and that the free airdrops would occur on or about XX/XX/XXXX. The EOS related information explained that in order to receive the free airdrop tokens your EOS must be held in a ETH wallet address before the XX/XX/XXXX deadline. On XX/XX/XXXX, I sent XXXX EOS to my Kraken ETH wallet address in order to obtain the free airdrop tokens. 

After my XXXX EOS was sent from XXXX  ETH wallet address ( XXXX ) to my Kraken ETH wallet address, ( XXXX ), Kraken did not did not credit either my Kraken ETH or EOS wallet addresses with the XXXX EOS tokens ( my digital currentcy property ) that I had sent on XX/XX/XXXX. 

On XX/XX/XXXX, after waiting for Kraken to credit my EOS or ETH wallets with my missing XXXX EOS tokens, I submitted a Kraken support ticket, ticket number XXXX, requesting a credit for my missing XXXX EOS tokens. After submitting my support request I did not hear anything back from Kraken. I also found out afterwards that Kraken does not support the free EOS airdrop tokens because the exchange does to provide the private keys for their exchange wallets, and therefore I was not able to obtain any of the free EOS airdrop tokens. 

I have emailed Kraken multiple times over the last two months, and to date, I have not received any resolution about fixing this matter, or a provided with a status of when they will either credit my Kraken ETH/EOS wallets that they are going to provide me with compensation for my missing XXXX EOS tokens or about giving me compensation about the {$8500.00}, the value of my tokens at the time, that they are withholding in the EOS Contract deposited to my Kraken ETH wallet, XXXX. 

I have the EOS token Tracker that shows that on XX/XX/XXXX, XXXX EOS tokens where sent from this ETH wallet address, XXXX, and sent to my Kraken ETH address, XXXX. 

I also have the ETH event txt logs that show when the transaction was conducted, ETH block number XXXX, and the EOS token holder from contract number, XXXX, that shows XXXX EOS tokens was sent to my Kraken wallet address : XXXX.
My sister bought an American Express gift card, which is considered a prepaid card in XXXX 2015 for my birthday. Unbeknownst to her and myself since we did not read the fine print, there are {$5.00} of fees each month on this card. Basically American Express took the % XXXX back in monthly fees of {$5.00} per month up until XXXX XXXX today. When I used the card today, it had {$8.00} left on it. I thought it was illegal to charge fees on a gift card due to the Consumer Protection Act. I consider this to be an egregious act of greed and a predatory business practice. Neither my sister or I were aware of these card fees This card is presented as a gift card but does not act like one. I asked American Express what the fee was for and they said it was a maintenance fee. I asked them what they were maintaining since I had n't use it for 6 months? She could not answer me. Please let me know if you can stop this predatory practice. This was very upsetting to me because I have never had a gift card given to me eaten up by bogus monthly fees!! It is really mind boggling!! Thanks for your assistance.
Repeated phone calls at odd hours of day and night from XXXX XXXX, also served me with lawsuit for debt I do n't recognize. They call from multiple phone numbers including : XXXX
Younomics ( University Accounting Services ), a private loan servicing company, has reported my student loan in default for over 12 months. I am XXXX and have requested a deferment from the company. The company will not state the reason why it will not defer my loan. I did not originally receive the loan from Younomics and I suppose the loan was sold them for servicing. The default is hurting my credit and ruining my chances to purchase a car, home and other essentials. The company has harassed me on several occasions with threatening phone calls and letters. I have disputed the matter with my credit report, stating I 'm in-school and should be shown as " payment deferred '' however, the company has refused to indicate why I can not receive a deferment or other deferred payment options.
Equifax continues with it's purposely XXXX XXXX XXXX XXXX XXXX negligence in the attempt to willfully continually spitefully SUPPRESS my employment, financial, and personal business regarding their credit score reporting despite the ( attached ) XX/XX/2016 settlement agreement awarded from the federal court complaint filed vs. them, and their purposely continued inaccurate credit score reporting conduct, and activities. All this despite my credit being in really GOOD standing per the attached credit report ...
Payment is less than 30 days late. Ally financial calls me 3 times a day every single day demanding immediate payment. One payment due. 19 days late. Calls start at 5 days late and never stop no matter how many times I tell them they will have their money before the next payment is due. No payment has been 30 days late.
I have contacted CMRE to get a statment of my account at least 6 times. I have continued to make more than the agreed payment monthly but they have still not sent me a statement of my account showing payments or that they have been paid in full. I have no way of knowing what my current balance is if they do n't give me a statement with the interst calculation or the payments recieved. I have not recieved a statement since XXXX.
My wife and I opened up a Checking account with SunTrust XXXX because we just purchased a Winter retreat in XXXX. We used the account of till XXXX once our home purchase was paid off. We arrived in XXXX in XXXX and on XXXX we made {$1000.00} personal check deposit and on XXXX we made a {$1000.00} personal check deposit. These personal checks were from our neighbor in XXXX. The first deposit of {$1000.00} was reflected on our SunTrust Deposit, however we went to SunTrust Bank to check on our account and were then notified that our SunTrust Account has been closed and the XXXX deposit 's that we made we withdrawn from our account and are being investigated for possible fraud. I contacted the Fraud department and they will not release any information to us. In the meantime the person that wrote the personal checks contacted his banking institution ( XXXX - Phone XXXX ) and the monies have been withdrawn from his account. I have attached copies of the XXXX checks, the SunTrust deposit receipts for both transaction, our banking statement showing the first deposit and finally a notice from SunTrust closing our account. This is my formal complaint against SunTrust and we request a prompt resolution and reimbursement in the amount of {$2000.00} for our XXXX checks.
I applied for ONE CAR LOAN and they ran my credit several time with out my permission and for cars Ive never asked for!
I called XXXX customer service and they told me they report to all XXXX credit agencies every month. They also told me to contact Experian because the problem is on their end not XXXX. I totally agree with XXXX because XXXX and XXXX are reporting properly with XXXX. It 's only Experian that is not reporting this credit card. I feel they are doing this on purpose to suppress my credit score so I pay higher interest rates. I pay all my bills on time and many credit card companies use Experian. This is why the Experian will not add my XXXX Credit Card. I have been asking them for months to add my card to my credit profile XXXX # XXXX
I moved out of my apartment, where I had lived for 13 years on XX/XX/XXXX. I was told I could not extend my time and must vacate premises by end of day, Monday XX/XX/XXXX, I moved out, despite the fact I had to leave valuables personal property like furniture. I had to move to my parents condo in Florida to handle the property they had left after their death because the executor had not taken steps required. On XX/XX/XXXX I received a collection letter stating that I had not paid the amount of Moving-out charges per the report by the XXXX XXXX management. 

I have never received said report, presumably because the USPS LOST my mail for the period from XX/XX/XXXX to XX/XX/XXXX. I responded immediately, in writing, stating I did not, nor could I verify the amounts stated in the debt collectors letter since i never received any report and did not know what became of my security deposit nor last months I paid when I first moved in back inXX/XX/XXXX. I received a call on XX/XX/XXXX from the collection agency and was told the were charging interest at 5 % a day and they would report debt to credit agencies in one week despite my disputing the amounts. I did agree to pay a portion they said was the last utilities but I had to see the report itemizing the other charges. I have not received the report, and received another letter on XX/XX/XXXX which had the original balance plus interest but not reflecting the amount I paid XX/XX/XXXX over the phone. The collection company has not sent the so-called report and refused to stop further actions while we attempt to verify the accuracy of the debt. Without any information, they are unilaterally taking steps to damage my credit and charging interest on unverified debt.
I am a 100 % XXXX XXXXt. Since I live more than XXXX miles from my primary care doctor, I am also part of the XXXX XXXX program. In XXXX. XXXX, I went to the XXXX clinic about XXXX miles from my home. Since I was having a serious medical condition, the XXXX sent me by ambulance to a non XXXX hospital. I was admitted and my condition improved and I was released 6 days later. My XXXX rate ( XXXX XXXX ) stabilized on the afternoon of the XXXX day. The XXXX XXXX XXXX was deferred to a later date. 
The hospital is billing me for co-pays and amounts they say were not paid by the XXXX. I have been informed that the hospitals have to accept what the XXXX pays and the XXXX can not be billed for the deductibles and copays. 
The hospital has turned the medical bills over to a collection agency. I have tried to explain to them and the hospital that I am a XXXX XXXX and I am not responsible for the charges.. 
Also that I can not be sued or garnished because my only income is XXXX XXXXy XXXX and XXXX XXXX and it is exempt. I have also explained this to XXXX, XXXX and XXXX. All of them are and will be reporting the debt on my reports. 
.
# 1 XXXX XXXX finance I have paid this for almost 5 years they refuse to show my payments says balance? and paying as agreed. 
# 2 XXXX bank this account is a XXXX balance it should reflect that # 3 XXXX bank this account is a XXXX balance it should reflect thatNj Federal court says under investigation and has for over a year correct me if I 'm wrong but if they can not verify an account under the fair credit reporting act do n't they have to remove
I recently received a letter from the XXXX XXXX of New York in regards to Notice of Garnishment. Judgment creditor from XXXX XXXX XXXX that I have never heard of until XXXX days ago. I have never received any notices of any kind regarding this matter. The judgement states that I owe over {$27000.00} that I have no idea to whom or for what. I have excellent credit and have never had any judgements against me. Is this even legal or am I in a case of mistaken identity?
THE CALLED ME AT WORK, MY CELL PHONE AND WIFE PHONE THEY CALLED WITH NO CALLER ID ON ALL PHONES THEN LEFT A MESSAGE TO CALL ( XXXX ) XXXX.
I found a XXXX Prepaid Debit Card given to me as a gift, {$100.00}. value. I went to use it and discovered that {$60.00} in inactivity fees had been charged, confiscated from the card in addition to the gift card fee paid by the gift giver. I contacted the 800 # listed, I believe it is related to US Bank, and was told they could refund some months of it but their systems " did not allow them to go back over 12 months '' so I could only get a partial refund. This was a " gift card '' it says A Gift for You '' printed on the face of the card. Florida law does not allow any " inactivity '' fees to be charged to Florida residents. I believe US Bank gets around this by having them not classified as " gift '' cards and using the loophole in the " Card Act '' that allows inactivity fees to be charged after 12 months to effectively wipe out the card balance.
XXXX accounts and XXXX address do not belong on my account I was not released from XXXX until 2013
On XXXX 2017 a card from commenty bank was send to me which I did not received it was used by someone else. On XX/XX/XXXX they send another card and the cards was stolen and used again. I call commenity bank and they stated that they can not credit the statement because every card I get someone stoles. Now they want me to send an old police report that I have saying that someone has pamper with my mailbox. My police reports saids that I have been a victim of fraud.
I am a XXXX patient that is losing their XXXX therefore I needed to purchase a wig. On XX/XX/18, I purchased a wig from XXXX XXXX but the hair started coming out by the handful. After the XXXX XXXX XXXX ( XX/XX/18 ), I called the owner to provide another wig or refund. Later that week I found out the wig was over 2 year old and was damaged before selling it therefore I left the wig with the owner. This wig was presented to me as a New Wig that came with bangs but this wig did not come with bangs. The owner washed and cut the wig to disguise the damages to pass it off on me. I told the owner she should have fully disclose everything about the wig, I would been able to make informed decision. I immediately requested Capital One 360 stop the Debit Card purchase but it was still pending. They told me to call back when it had posted which made it more difficult to resolve. I attempted to resolve the issue by offering to wait for new wig, ask the owner to send the wig to add more hair but the owner still refused to make good on the purchase ( {$860.00} ). Capital One 360 provided provisional credit in the amount of {$860.00} and continued to investigate. On XX/XX/18, they denied the claim because the owner says purchases are final. I explained to Capital One 360 the owner has the wig and they were allowing her to keep the funds. If they had stop the debit card purchase once it posted the owner would have worked out a resolution. After 11 years as a loyal customer of Capital One 360, a decision was made to deny the disputed claim which overdrew my checking account in the amount {$860.00}. Capital One 360 Claims department refused to speak any further.
This item was taken off of all three bureaus under a different name, XXXX. It has been taken off of XXXX and XXXX. XXXX XXXX XXXX Account number XXXX. It is back after Transunion took it off before after I filed a complaint.
Several accounts were opened using my information in the past as an act of fraud. This fraud was likely committed by an ex significant other who managed our finances - though I do not know who for certain. I believe an ex significant other treated my credit as an extension of theirs - managing the credit until the relationship ended. Once it ended, many cards were suddenly opened, immediately maxed and all of the existing accounts stopped receiving payments. 

I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this. I do not know of the accounts in their office. XXXX only provided verification ( after XXXX requests in writing ) once a XXXX complaint was filed. As verification statement photocopies were provided to me but the activity on the account and statements I do not recognize. 

These accounts were listed on a notarized Federal Trade Commission Identity Theft Complaint and Affidavit. Despite this, Cavalry continues to report inaccurate data on my credit report using it as leverage in a sick attempt to force payment.
I opened a checking account with a {$200.00} promotional offer. The terms stated when applying online the 'code ' would be applied automatically. This was in XXXX, now in XXXX, they are asking me what the code is after stating that the bonus will be coming next statement for the past 3 months. 

1. At account opening, you must mention the promo code in the email sent to you. To receive the bonus : 1 ) Open a new BMO Harris Smart Money Account, BMO Harris Smart Advantage Account, or BMO Harris Premier Account between XXXX XXXX, XXXX and XXXX XXXX, XXXX in a BMO Harris branch, by calling XXXX, or by clicking open now above. Well automatically apply the {$200.00} bonus promo code when you apply online.
This is a credit card fraud case beginning in XXXX 2016! I orignally reported the fraud charges to usaa in XXXX 2016! Total fraud charges of over {$3000.00} were added to my credit card balance due, of which {$26.00} were charges belonging to me! Most fraud charges have been credited to my balance due except {$670.00} which were transferred to my balance due payment for XXXX 2016. After reporting fraud charges I have repeat- edly talked to customer service, fraud dept. attempting to reach a conclusion and a " XXXX '' balance! A letter, e mails were sent asking for verification ( transactions ) of balance due! 
At this time usaa has not responded and the calls to c/s has been promises and no results!
I had a Bank of America ( B of A ) credit card and the account was " closed with a XXXX balance '' per the letter dated XX/XX/XXXX, 2011 that I received from B of A. However, B of A reported this account as a " charge off '' to all XXXX credit bureaus and I had disputed last year and this negative reporting was removed by B of A and my credit score went back to over XXXX where it should be. I just discovered last week that B of A reported this same account as a " charge off '' again ( even though B of A had removed this last year ) to all XXXX credit bureaus and now my credit score and my business have suffered due to my credit score dipping to below XXXX. PLEASE HELP!! Thank you so much in advance. 
Kind Regards, XXXX
I had a wire transfer done to a bank in XXXX ... It has been 21 days and the money has not made it into the account.. My bank just gives me excuse after excuse ...
ON XX/XX/XXXX I SPOKE TO XXXX EXT XXXX IN REGARDS TO TWO BALANCES SHOWING NEGATIVE ON MYAH CREDIT REPORT THAT I WANTED TO PAY FROM XXXX XXXX XXXX. THEY HAD HAD ISSUES WITH THE BILLING SERVICE THEY WERE USING AND FIRED THEM AND TOOK ON ANOTHER. I LET XXXX KNOW THAT I WAS PAYING THIS AND ASKED IF BY PAYING TODAY WOULD THEY REMOVE IT FROM MY CREDIT REPORT AND SHOW AS PAID IN FULL. SHE TOLD ME YES IF I PAID TODAY AND THAT IN 30-45 DAYS IT WOULD BE REMOVED. SO I PAID BOTH AMOUNTS # XXXX FOR {$460.00} AND # XXXX FOR {$370.00} AFTER SHE ASSURED IN 30 -45 DAYS WOULD BE REMOVED. I CALLED BACK ON XX/XX/17 TO FOLLOW UP AFTER HAVING MY REPORT PULLED ASND FOUND IT WAS STILL ON THERE. SHE SAID I NEED TO CALL THE CREDIT BOUROUGH TO HAVE IT TAKEN OFF AND THEY DO NOT DO THAT, I ASKED TO SPEAK TO THE MANAGER AND THEN THE ASSISTANT MANAGER ( XXXX - XXXX ) GOT ON THE PHONE AND PROCEEDED TO TELL ME THEY DO NOT TAKE ANYTHING OFF AND NEVER HAVE IF PAID OR NOT. THIS IS NOT WHAT WAS ORIGINALLY TOLD TO ME AND I FEEL LIKE THEY SAID WHATEVER TO GET THE MONEY AND PAYMENT. IT IS STILL ON MY REPORT AND AFFECTING MY SCORE GREATLY BECAUSE OF IT. WITH THE ISSUES WITH THE BILLING COMPANY AT MY DOCTORS AND THEN THE BIGGEST ISSUE OF BEING LIED TO TO GET TWO PAYMENTS AND THEN CHANGE THAT IT WILL NOT COME OFF ANF NOW IT IS MY RESPONSIBILITY TO REACH OUT TO THE CREDIT BOUROUGH IS DISTURBING. ALL I AM ASKING IS THAT THE PAID DEBT IS REMOVED. IT IS THE ONLY THING ON MY CREDIT REPORT. I FILED AS COMPLAINT RIGHT AFTER WITH THE XXXX AND NEVER HEARD A WORD BACK.