WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2017 I called Sun-Trust Bank of GA and requested that they close my account.
We finally worked out a balance of {$8.00} due XXXX/XXXX/2017 to close both checking and savings accounts. It was never done. Charges came into the account and we finally got a pay off balance of {$3.00} last week. I transferred {$25.00} from XXXX ( XXXX XXXX ), a wire transfer that was paid to Sun-Trust yesterday. Today I call and they tell me that I must talk with their transfer company at XXXX to verify my wire transfer tomorrow and then, maybe I can call Sun-Trust back, as they told me today that they need me on the phone to close the account.
I have had one story after another 3 or 4 times a week since XXXX 2017 to get these accounts closed.
Sun-Trust had done everything to delay this closing.
Please help me?
Sincerely, XXXX XXXX XXXX last 4 SS - XXXX Acct. XXXX Savings Act. XXXX Checking XXXX XXXX
Coinbase has {$4500.00} of my money more than a month after they said they returned it. On XX/XX/XXXX I wire transferred {$4500.00} from my bank to my XXXX account at Coinbase, who said on XX/XX/XXXX the wire was rejected and would be returned because of a name mismatch. I hadn't received the money by XX/XX/XXXX so I filed a complaint with the CFPB. On XX/XX/XXXX, exactly 15 days later, Coinbase told CFPB that the money was returned on XX/XX/XXXX and that the case was resolved. Further, Coinbase told me and the CFPB that I should ask my bank where the money was and they provided a FED reference number. My bank could not find the money and said that I should ask Coinbase to trace it.
I sent in a request to XXXX asking them to delete a medical collection debt because I never had any knowledge of this account and any medical services that are rendered to me I sign a HIPAA of 1996 notice which does not allow any release of any medical information or medical account information. This form states that my medical information or medical account information should only be discussed with the person that I have given access. I have never given XXXX access to my medical information or medical account information. XXXX is in direct violation of this federal law and I am requesting the debt to be deleted immediately from my credit file. XXXX did not get any permission from me to access any medical information or medical account information.
After years of repeating telling Portfolio Recovery to stop calling our number, I finally wrote a letter to them & sent it certified return receipt requested. They rec 'd it XXXX/XXXX/15 & are still calling ( called yesterday ). The letter was from a sample from XXXX XXXX ( consumer advocate ). HELP!!!
Company calls me all day long. I 'm working and my phone goes off maybe like 10 times while I 'm working. They call me from XXXX am to XXXX. They keep harassing me
There was a glitch in transunions system. There are inquiries on my account that are not authorized. Please assist me in removing the following inquiries of my credit report : XXXX XXXX. XXXX XXXX, 2016 XXXX. XXXX XXXX, 2016 XXXX/ XXXX XXXX. XXXX XXXX, 2016 XXXX XXXX. XXXX XXXX, 2016. & XXXX XXXX, 2016
A Mr. XXXX from a debt collection company supposedly in XXXX, FL, called and left a message. I called the number ( XXXX  ) and tried to leave a message in either his mailbox or the general one, and was denied twice. The direct number, which I also called ( XXXX ), corresponds to a twice-differently-named agency than that from which he said he was calling on the phone : XXXX XXXX XXXX I then emailed two of the email addresses on the ( faux? ) companys contact age. Both came back immediately as dead-letter boxes with all the hops and whatnot. I can provide those emails if the authorities wish.

Given all those attempts, I think this is a scam and Ill have to try to block all the domains in the business bounceback e-mail trace.

Thank you.

Addendum : this was not an option in the last pages of the complaint dialog. I am not a veteran, but I am XXXX. Could they have identified me somehow, like the rash of these companies picking on the elderly a few years ago?
XXXX and XXXX XXXX filed for a short sale application in XXXX and we received an offer on the property in XXXX. They are a divorced couple who are both on the loan and turned in all paperwork including proof of income or lack thereof, bank statements, tax returns and required documentation and divorce decree. Chase required that the wife quitclaim the property to the husband so that XXXX of the XXXX parties claim responsibility for the property which we are totally baffled by and now they are telling us instead of moving forward with looking at the offer presented that they have to consider the husband for retention of the property before they can look at the short sale. It has been the intent of the homeowner to short sale since XXXX and we are about to lose a valid buyer at current market value due to the delay by Chase employees to get their act together. The husband and wife knew when they divorced they would have to sell the property and neither would be able to afford it alone to force the homeowner to go through the steps and time consuming and overwhelming steps they have been put through is going to cost them the XXXX and only buyer they have for the property.
In XX/XX/2018, I received a letter from Portfolio Recovery Associates stating I owe them monies from the accounts associated with the following numbers : XXXX and XXXX. I never had any accounts with this company or any company referencing this company and I immediately requested Portfolio Recovery Associates to provide me with a validation of debt that is referenced. This company never sent me ANY validation that I owe these debts. I received a one page statement for account number XXXX which was not proper validation. This company never responded with the REQUIRED validation. I have sent several letters requesting the REQUIRED validation of these debts. I have NOT RECEIVED ANY DOCUMENTS!! This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I called this company on XX/XX/XXXX at XXXX and requested this company send me all the required documents for these debts they state I owe. I spoke with XXXX  and she stated Portfolio Recovery Associates have already validated these debts. I requested the documents that show these are mine and I have never received. 

I recently checked my credit files and noted Portfolio Recovery Associates placed the two invalidated accounts on each of my credit files. This is a violation and Im demanding these accounts be removed from each of my credit bureaus. This company failed to provide the required documents within the time provided. I have attached EACH of the letters I received from Portfolio Recovery Associates and EACH of my responses to Portfolio Recovery Associates. I NEVER received the validation I requested by law. I should I have received something from these accounts prior to placing any data on my credit account.
I ordered {$100.00} worth of Bitcoin on XXXX XXXX, 2017. Ever since, the transaction has been in a " pending '' state and claims it will arrive Friday, XX/XX/XXXX. I have emailed coinbase 3 times. I received a single reply with a link to their website as to why it could be pending for up to 5 days. It has been nearly a month now with still no real response, even after responding to that email.
XXXX  XXXX EQUIFAX ARE REPORTING INACCURATE INFOMATION SUCH AS STUDENT LOANS CARS AND LOANS. I FILE A POLICE REPORT ALSO ATTORNEY GENERAL OF TEXAS. THE CREDIT BUAREU STILL SENDING FALSE INFORMATION.
I currently have a 14 % interest rate on my car loan. I went online and completed an application so that I can trade in my current vehicle and get a lower rate since refinancing did not work. The online application asked for my PPI and Employment/Income. After I was done I received a pre-qual good for up to XXXX. Shortly after I received a call from the dealer and I outlined everything that was of interest to me. I stated interest rate under 7 % and payment under {$300.00}. I never received a call back from the agent and shortly after found that they had completed XXXX hard pulls on my credit in addition to the one. These pulls were not authorized. I just filled a complaint with the company and have been receiving contact from a gentlemen that works there by the name of XXXX. He explained the dealer went back and pulled a tri-merge. I let him know that still was not authorized and that it is now going on two weeks and no one has even made an attempt to contact me back.
I am a XXXX who is XXXX. I currently own a XXXX home with my sister who works with me. We purchased this house XX/XX/XXXX and had a mortgage with XXXX who sold it to Wells Fargo. XX/XX/XXXX I was taking care of my mother who was XXXX and had XXXX. She became worst XX/XX/XXXX and was XXXX. While visiting her in the hospital I fell and XXXX was out of work for several weeks. My mother then passed away XX/XX/XXXX. The day before her funeral my sister had a XXXX which put our XXXX back further. XX/XX/XXXX we were tring to recover but my sister had XXXX and was again out of the office. 
I have submitted all this documentation to Wells Fargo including our business info and they denied our modification saying my income was XXXX a month when I only claimed XXXX per month on my taxes. In addition they are giving us only 30 days to pay our back payments. I have repeatedly called them to find out what is the amount we need to reinstate the mortage. 10 days have already passed and I still have no ans. This is unfair to us because we can not respond until we have this information. I have spent hours getting out information to them and they have delayed in providing information to us.
Bank of America and third parties of bank America keep calling me, family members & places Ive worked threatening to be sunmon me to court to pay a debt that was over 13 years ago.
I had a test done onXX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Phone # XXXX. On Saturday, XX/XX/XXXX I received a bill from Professional Finance Company , Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Co. XXXX for {$250.00}. I called this debt collector today because I was not sure what this bill was about, since I never received a bill for this amount {$250.00} from anyone including XXXX XXXX XXXX. The bill collector advised me the bill was sent to a old address twice and did not hear back so it was now turned over to them for collection. I provided my correct address to XXXX XXXX XXXX on XX/XX/XXXX, before I had the procedure. I called XXXX XXXX XXXX today about this bill since I never received noticed. They said the apparently they forgot to update my address in the system so that's why I never got a bill. I have insurance and I assumed everything was paid for since I hever received a bill. They also advised me they called me on XX/XX/XXXX. I never received the call so this whole incident is what I am complaining about. Not a good way to do business.
I paid off all my credit card debt, my mortgage, my personal loans, and refinanced my car loan over 2 weeks ago. My credit reports are not being updated to show my hard work. There is still 2 open car loans on my report after I refinanced a month ago. All my credit card balances are at {$0.00}, but my credit report is yet to be updated. My mortgage is paid in full, but my credit reports say I still owe {$150000.00}. There are duplicate collection accounts that I have disputed multiple times. Now they wont let me dispute them anymore. There are accounts that were originally reported, then removed, and the later put back on my reports. There are accounts that are over 7 years old but somehow the dates are switched to make them just under 7 years old so they stay on my report.
PHH Mortgage Corporation of XXXX, NJ, continues to threaten us with foreclosure, unless we send them two more monthly payments by XXXX XXXX, XXXX ( over {$5200.00} ). They claim that we 're behind in our payments, although, from their very own Account Activity XXXX, ( which covers the entire life of this loan/ XXXX XXXX to the present ), we 're not behind at all, but in fact, are one month ahead, and not by choice. This is the fifth time that PHH comes after us for more money ; money which we do not owe! After forensically examining the above mentioned Account Activity Report, we realized that PHH Mortgage Corp., has consistently kept us one payment ahead, and for many month in a row, two months ahead, while claiming that we 're behind. They demand additional payments and as said before, threaten you with foreclosure, addidional fees and penalties, ruined credit, etc. It all started with a payment in XX/XX/XXXX which they misallocated, perhaps intentionally. They applied our XXXX XXXX payment to XXXX XXXX, which had already been paid less than a month before. From that point on, the nightmare began : Threats, added fees, harrassment calls, negative credit bureau reports, etc. They continued to perpetrate this scam by not allowing us access to their website, citing " being late '' as the reason. Of course, we had nothing but our own personal records to go on by. After XXXX, we never again received annual Account Statements showing all of our payments, fund allocations, escrow activity, balances, etc. Combined with denied access to their website and endless time on the phone trying to get information or dispute anything, basically, they kept us in the utter darkness. 
We believe that all these stratagems on the part of PHH Mortgage have been intentional and for the purpose of defrauding people of their hard earned money, and eventually forcing them into foreclosure. The web is replete with horror stories concerning this company, with many people complaining about being on time with their payments, but somehow or another, PHH claiming that they were late! Hmmm! I smell a big rat here. 
It seems clear to us now, after very carefully examining our report, that PHH 's strategy is to take your money ( future payments ), place it in a mysterious " Suspense Account '', work your money for interest, and make a hugh profit with it. For additional profits : Undeserved late fees ( {$95.00} per month, in our case ) ; purchase of additional insurances due to policies lapsing as a result of your " late payments '' ; telephone payment fees ( {$17.00} per month ) ; etc. 
This horrible company paid for our flood insurance twice in XXXX XXXX, to the tune of {$1100.00} each time. They paid our property taxes twice in XXXX ( {$2500.00} mistake ), and we 've never seen a single dollar returned to us in all these years. 
We ask : How can such a company remain in business? How can this terrible company get away with this for such a long period of time, affecting so many people, and causing so many to loose their homes? 
By the way : We never chose PHH. Our XXXX loan was " assigned '' to PHH.
Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of Equifax, XXXX, and XXXX, but I was unable to complete my request. The XXXX site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.
1st Call.

I received a call from ( What I was told ) Premier Holding Litigation out of Texas. The first thing said to me is that I have a judgment against my Social Security Number. I said okay what it is about. I was transferred to another person. I was then told I had a judgment against me for {$19000.00} ( State and county courts named ) and a lien was about the be put on my house with the ( address given ). I asked what it was about and the person on the other end told me that it was an old auto loan from XXXX XXXX. She then told me that my paychecks will be garnished. I asked how old the debt was. She said last payment was in XX/XX/2009, so I asked if the statute of limitations was up and she said no it was 10 years. ( I live in Utah its 6 years ). She then tried to get me to pay {$5000.00} dollars to resolve the debt. I said I would not pay for a debt I don't know anything about and that they need to send me information on the debt. She said they could do that but by the time I got the paperwork, the garnishments will have started, and then she explained that if that happens a total of the payments garnished will be {$42000.00}. She told me I had until XX/XX/XXXX to pay {$5000.00} to avoid the garnishments. I then asked ; if they have a judgment why would they settle? She said it is in arbitration before the court executes the judgment. I asked ; why I had not been served papers? She said that it wasn't in court yet but was about to be filed. I told her I would call her back. That's as far as it has got at this point. 
2nd Call I got a call about 4 hours later from the same person at Premier Holdings. When I asked them to send me information on the debt she again threatened to sue and said they had tried to contact me before and could not. I told her that this is a time barred debt and she got extremely angry and said they are suing, they have a judgment, and they are going to foreclose on my house and hung up.
In XX/XX/XXXX applied for pay loan from Spot Loan for {$600.00}, on XX/XX/XXXX tried to make arrangements to pay loan off completely to stop incurring more interest. I have made five payments, all the payments went to interest. On XX/XX/XXXX the principal amount of loan was {$570.00} but on XX/XX/XXXX I was told the buy out would be approximately {$630.00}. I ask for explanation the supervisor stated the loan incurs interest daily of 400 % and if make payment arrangements the loan still will incur interest. After speaking with company my online access to account was removed and stated unavailable.
XX/XX/2016 I started going back to school to earn a XXXX 's Degree in XXXX. At this time Navient put my loans on Deferment without informing me of this. After two months I noticed no payments were being made to my student loans and a small amount of interest was added to the account. I never would have know the loans were put on deferment if Navient wouldn't have called me asking if I wanted to open a loan as they saw I am back in school. I responded that I did not need any additional loans and that I did NOT want them to put me on deferment again. Since then I have had no issues with the loan provider but they are making changes to my account without informing me the lender, increasing my total amount owed! I truly feel that there may be  other information they are not telling me and they are charging me more then what I owe.
please refer to case #  XXXX  regarding the initial issue with barclays cards ; on  XXXX / XXXX / 2017  I spoke with  XXXX   XXXX  of the office of the preside nt BCUS  at  XXXX  ext  XXXX  to follow up regarding my issue with the closure of my XXXX  cc. She told me that barclays will not alter their credit decision to close my account and by doing so harming my credit rating. She showed no concern about my issue or concern ; she did not resolve it or offer any alternative solutions. She is a disgrace as far as customer service representative especially form the office of the president! What a joke!. I have always been treated in this manner by barclays anyway. Both credit card accounts were current, never over the limit, payments more than minimum, never bounced checks! Shame!!!!!!!!!!!
EQUIFAX HAS REMOVED/DELETED/BLOCKED THESE ACCOUNTS AND WITHOUT ANY NOTIFICATION OR AUTHORIZATION FROM ME. I HAVE ATTACHED MY FTC REPORT ( S ) PER THE FCRA 605B LAW STATES THAT EQUIFAX MUST REMOVE/BLOCK THESE COMPANIES FROM PLACING THESE ( IDENTITY THEFT ) ACCOUNTS BACK ON MY CREDIT FILE. PLEASE SEE ATTACHED FCRA 605B LAWS AS IT PERTAINS TO IDENTITY THEFT. THIS WAS NOT AUTHORIZED BY ( ME ) TO BE DISPUTED. EQUIFAX HAS GONE AGAINST " MY '' WILL AND PLACED THESE LISTED ACCOUNTS FROM A " EQUIFAX BREECH - 2018 '' & IDENTITY THEFT BACK ON MY CREDIT FILE UNAUTHORIZED.
Woman XXXX uses bullying tactics Told her I paid cash and office was supposed to bill insurance Same lady harasses me Called me good for nothing loser
I 've contacted the companies who have pulled my Credit fraudulently without my consent or authorization in an attempt to get credit and use it without my permission. The companies state someone provided my Information to contact the credit bureaus. I have gone ahead and added a fraud alert to protect my information since then.
On XXXX XXXX I submitted the claim listed above to have an incorrect collection account removed from my credit file. I received a response on XXXX/XXXX/15 saying the creditor/collection agency had verified the account was mine. The account was being reported XXXX, I contacted XXXX companies on XXXX/XXXX/15 and was told XXXX that they did not report anything against me using my social security number. The account reported was for my father who has a different date of birth, they did not use my social security number or his to report the account and that I should contact Equifax to have it removed since they were the credit reporting agency. XXXX had not reported anything using my information so they could not remove it. When I called equifax again, I was told by a representative that I had to contact the collection agency so they can remove it from my report. When I asked why A collection agency was going to change my file with them when they had told me they could not they said they didnt know but that equifax was not able to change credit files even though thats what they do. I have gone through Equifax 's process of disputing incorrect information and I have not been able to remove this from my file. It has kept me from buying a home and has cost me money when I have applied for credit all due to their negligence and willful non-compliance.