WillisBack/dataset-financial-user-claim huggingface dataset:
onXX/XX/XXXX at XXXX I drove my vehicle to XXXX to buy milk for my son and when I was driving back my car shut off and shortly afterwards a tow truck pulled up behind me started lifting the rear of my vehicle, I yelling for them to stop and once my cars was lifted high in the air, two men approached both sides of the car shinning flash lights in my eyes demanding me to exit the vehicle or I would be arrested. This continued for about 5 mins or longer. They continued to threaten me to be arrested and the police were on there way and I was going to jail. I police vehicle arrived and the two men walked away from my vehicle. I couldn't what was happening because the police had there spot light pointed at my vehicle. About 5min had passed and the police hadn't come talk to me, so rolled my windaws down and asked if he would come talk to me. The officer told me to keed me hands out of the window and he would instruct me how to exit the vehicle, The had me keep my hands over my head and walk backwards towards his voice until I was told to stop and drop to my knees. I did as they asked and when in view there were 4 offices with there weapons pointed at me. the officer said that I was not under arrest at this time but, I was being detained. I tried to explain my side of events but, they were not interested in my statement. I was told the I would in-cuffed and to go on home that my car is being repossessed.
My XX/XX/XXXX statement was paid in full as every credit card, including this one, ALWAYS are. The payment due did NOT reflect on the account so when the next statement came it was not accurate. I could see the electronic payment was posted when looking at my XXXX XXXX account but it was NOT showing up on the PayPal credit account online. As a result the next statement was inaccurate and included late fees and interest AND an inaccurate balance. 
XX/XX/XXXX 's statement was not correct despite a conversation with a CSR who had, at the time, removed the fee 's and interest BUT still had not applied the payment. This continues ( although now, all of a sudden, that payment from XX/XX/XXXX 's statement, applied in XX/XX/XXXX magically appears ). 
I have repeatedly requested a fee and interest fee final balance so I can pay it and move on but have NOT received a reply, in writing, that I requested. 
Additionally I requested that the account be closed BUT they continue to allow new purchases to apply so they have not closed the account. 
They do not respond in writing as requested and have taken no action. All this over what is well less than a {$50.00} " actual '' balance that is now over {$100.00} due to fee 's and interest being charged. Its unacceptable and I need your help to resolve this.
I 'm making a complaint against TransUnion for their negligence in not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 
Public Records US DIST CT XXXX- you have the filing date on this bankruptcy listed incorrectly and I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA XXXX In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX -this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
I lost money due to capital one atm I was told that it was n't found and nothing can be done for me. I should be insured. My money is just gone
I 'm at a high stress level from Ocwen mortgage loan. I can not reach them as they are in XXXX and are given a script. I have emailed them 30-50 times in the last year and the return emails are XXXX-XXXX and are signed with what I assume is an XXXX name. The accounting dept. is atrocious, making horrific errors and charging ME, reporting me as late, and NOW, threatening with foreclosure! The entire event is Absurd but I can not get them to correct their error! Please assist me ASAP!!!
I have been a victim of identiy theft filed a police report and sent it to companies reporting information. Credit Bureau stated the fraudlent information was verified by creditor. But could not provide proof of verification any documentation. I need this account deleted it not my account.
I was contacted last week on behalf of this company telling me about a debt for my daughter. They did not explain to me that I could dispute this claim nor did they mail me any information about this debt. The collector was very rude and I was just trying to figure out what she was talking about. I filed a complaint with the XXXX as well. But, it should be against the law for them to add this on my credit report without giving me all the information. I believe that someone has been fraudualent and used my medical information. They put this on my credit report without telling me that they would do so. They even said hey spoke to my husband in XXXX. I am. It married.
On Tuesday XX/XX/XXXX through a XXXX ad I bought tickets to a XXXX XXXX concert. After speaking to XXXX on the phone he told me to send him the {$300.00} using XXXX. 

I have never used XXXX before but figured since it was through my park PNC I would have protection from a scam. 

I was wrong I wired the money to XXXX XXXX XXXX He accepted my money and my tickets never showed up. 

My number was blocked from calling his and the ad was still on XXXX. My stepmom even contacted him and he did the same speech to her. She three-way me in the call and I asked for my money pack and he hung up and blocked us both. 

I immediately called PNC to stop the transaction but XXXX had already accepted and the transaction was pending. 

I was told to wait until the money posted to file a claim. Tuesday evening I called my police office and filed an incident report. 

I called PNC on Wednesday the XX/XX/XXXX and was told there is nothing they can do since I authorized the transaction. There is no scam protection. And even though I called the day it happened they could not put a hold on the money even going out of my account
I initially disputed my DSNB/Macy 's account in which I stated I was never late but it shows late XX/XX/XXXX In addition, there is no data reporting for the account during XX/XX/XXXX to XX/XX/XXXX. Why is there no data reporting for these particular months? I requested that Experian confirm with XXXX XXXX the validity of the late information and verify with proof where the statement was mailed because I never received. Also, on my https : //usa.experian.com account that I viewed from my cellphone on XX/XX/XXXX it showed a status updated on XXXX/XXXX/XXXX, balance updated on XX/XX/XXXX and account paid satisfactorily. How can I then receive an investigation with the account reflecting late and no information being reported and closed in XX/XX/XXXX which is incorrect? It appears someone is attempting to keep the account from going to a positive status.
Lien Enforcement INC is trying to collect a debt on a vehicle that I have not owned in years. This company has sold this vehicle and now is wanting storage fees for this vehicle that I have not owned for years.
I recently pulled my credit reports and noticed 3 XXXX accounts in collections. I have not had a XXXX account in over 10 years. The addresses that are linked to these accounts are addresses I have never resided. These accounts are causing constant denials for credit and are hindering my homebuying process.
I spoke with a rep at Quicken Loans about refinancing, I decided to pursue a different avenue and he left me alone. The I got emails and text back and forth with another rep and indicated my biggest  issue was their persistence. After being done with her I kept receiving numerous calls from XXXX ( XXXX ) XXXX, 7 in the past 2 days alone, 2 I answered he just recorded my voice and hung up. There are also a few other numbers I think are them as well ; ( XXXX ) XXXX called me 5 times in that same span.
I am a business owner and even though it is a corporation, I have to use my personal credit. Who personally uses their credit for XXXX or any other corporation? My major issue at this point is I pay a monthly fee to be a member of the credit reporting agencies. I get updates daily if there are changes and can refresh my score at anytime. Recently I purchased a home the bank pulled my score from Transunion as did I and the scores were different as much as XXXX points. This week I am purchasing a new vehicle and my score was XXXX points less than what the bank got. Because of the difference on the house I am paying 2 % more monthly and the vehicle I will be paying 3 % more. Anyone that pulls my credit or any Americans credit should receive the same score. I find the scoring system as a fraud / scam to consumers. The system needs to be the same, I work to improve a score of XXXX when really ( per the bank ) I need to work to improve a score of XXXX of which I have never seen.
I opened a checking account in XX/XX/XXXX and the terms stated with {$300.00} direct deposit receive {$200.00} bonus. I had DD 2x a month for several months and did n't receive the bonus. I have followed the terms to a T and since I 've tried calling, doing live chat and sending secure messages I would like to have this matter resolved. I feel like this company might be preying on senior citizens. They attempt to be confusing and state different terms or reasons to deny me each time I contact them. 

The terms I signed up for : To receive the bonus : 1 ) Open a new BMO Harris Smart MoneyTM Account, BMO Harris Everyday Checking, BMO Harris Select Checking or BMO Harris Portfolio Checking account between XX/XX/XXXX and XX/XX/XXXX in a  BMO Harris Branch, by calling XXXX, or by clicking open now above.Well automatically apply the {$200.00} offer promo code when you apply online 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. 
Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offer can not be combined with any other offer, is non-transferable and is limited to one per account.
On XX/XX/2017, I clicked an online offer from XXXX. I applied for the personal loan and didn't realize that the interest rate was predatory in nature and that it is all front-end loaded. I made payments on a semi-monthly basis for three months in the amount of {$250.00} ea payment for a total of {$1700.00}. Yet, my principal was only credited by {$84.00}. 

My complaint is that the lender should allow my payment to lower the interest and principal proportionately during the months that I paid. By charging me predatory interest rate and only allowing my payments to pay for interest and not paying down the principal placed undue pressure on me to payoff the loan. XXXX should pay me back the principal that would otherwise be paid. 

My account number is XXXX
I am not arguing that I do n't owe the money and I plan on paying it when I have it but this man is haunting me!! 

Called my son and threatened him that a lawyer was looking for me. 

Calls my office and does not announce that it is personal information. 

Uses different names, different company names and different numbers to identify himself.
I submitted a letter to Transunion explaining that I am a victim of identity theft. I included the FTC Identity Theft Report, police report, Proof of Identity, copy of my credit report and the Fair Credit Reporting Act Section 605B as well as the fraudulent accounts it has been well over 30 days and these items were not removed as I requested. XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXXe account number XXXX, XXXX XXXX  account XXXX   and XXXX XXXX XXXX XXXX account XXXX, XXXX account number XXXX, XXXX XXXX account XXXX
GOOD AFTERNOON, I SEND YOU A WHOLE PACKAGE, AND ALSO ATTY. GENERAL XXXX REFER THE CASE TO YOU. PLEASE CALL ME AS SOON AS YOU RECEIVE MY PACKAGE. I TOOK A TITLE LOAN, OVERPAID AND PAID IT 6 MONTHS IN ADVANCE AND REPOSSESSED MY VECHICLE.THESE COMPANY HAS A LOT OF CRIMINAL CASES.  PLEASE CALL ME OR EMAIL ME ASAP. THANK YOU FOR YOUR ATTENTION.

RESPECFULLY YOURS,
XXXX
XXXX
Portfolio recovery has been calling since 2014 from many different Phone numbers they are harrassing rude etc they start at XXXX and end after XXXX with many as 15 calls a day They wo n't send a bill so I can make payments they wo n't accept what I can pay they demand I give them access to my checking account to bill me monthly stating this is the only way they will take any payments. No matter what you tell them they say they ca n't work with you unless it 's on their terms of payments These phone calls are almost every single day. I told them to quit calling me since they wo n't accept what i can pay them but they still call every day several times a day from different phone numbers
XXXX years ago I moved from The XXXX apartments in XXXX, TN. I bought a home. Before I left I cleaned the apartment but did leave some things that the cleaning crew or painters could have. These were things like a comforter, electric skillet, some glasses ... .all in excellent condition. I also took pictures of the apartment after I cleaned it. There were holes in the wall that would need patching because I had my t.v. hung on the wall. They called and said I owed then {$120.00} because I left junk, the refrigerator was not clean enough and the holes would need repair. I told them I cleaned everything and the stuff I left in the middle of the room with a note saying they could have, was not junk. I did send them a check for half of the amount, {$65.00}, for repair ( patching and painting ) the holes in the wall. They put the whole {$120.00} on my credit report and it has lower my good credit score.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
I had a vehicle lease that is paid off and " Ally Bank '' will not report it correctly. They are double submitting the account to XXXX and XXXX even after many requests to remove or submit as paid as agreed, and only once.
I AM IN THE PROCESS OF A HOME PURCHASE AND APPLIED FOR A HOME LOAN WITH XXXX XXXX XXXX. I JUST RECEIVED A CALL FROM XXXX XXXX FROM SUPREME LENDING XXXX AND XXXX STATING THAT I NEEDED TO PROVIDE ALL MY INFORMATION AGAIN BECAUSE I WAS IN THE PROCESS OF FINANCING AND NEEDED TO VERIFY ALL DOCUMENTS AGAIN AND WOULD NOT CLOSE ON TIME IF I DID NOT PROVIDE. I INFORMED HIM I HAD ALREADY PROVIDED ALL TO MY LOAN OFFICER AND HE SAID YES BUT WE ARE STILL MISSING A LOT OF INFORMATION AND NEED TO PROVIDE MORE DOCUMENTS. AFTER I HANG UP I CALLED MY LOAN OFFICER FROM XXXX XXXX  NOT KNOWING THE OTHER PERSON WAS NOT FROM THE SAME COMPANY BUT RATHER HAD A SIMILAR NAME AND ALREADY GAVE HIM ALL MY INFORMATION OVER THE PHONE AGAIN IN ORDER TO AVOID DELAYS AS HE SAID. I HAVE BEEN A VICTIM OF FRAUD AND THIS PERSON XXXX XXXX FROM SUPREME LENDING NOW HAS ALL MY PERSONAL TO INCLUDE SOCIAL SECURITY, DOB AND WORK HISTORY. I COULD NOT FIND ANYTHING ON THE NATIONAL REGISTRY FOR XXXX XXXX SO HE MAY NOT EVEN BE REGISTER AS A LOAN OFFICER BUT HE SAID HE IS AND WORKS FOR SUPREME LENDING IN XXXX. SINCERELY XXXX AND XXXX XXXX
While in the process of refinancing my home on XX/XX/2017 the loan processor attempted to obtain a payoff letter from Shellpoint Mortgage Servicing sent directly to XXXX and was told it would take 48 to 72 hours to send. On XX/XX/2017 loan processor was told I being the mortgagee could only request the letter which I did that day and on XX/XX/2017 on those days was told the same thing 48 to 72 hours to process the letter, on XX/XX/2017 made another attempt to request the pay off letter I was told i would have to authorize in writing which was done when original request was made to Shellpoint by the XXXX loan processor also that this request would take 3 to 5 business days, also that Shellpoint is a collection agency that purchased my loan several years ago and that my original loan is at 7.3 % interest rate.
I initially submitted a formal complaint against Navient in regards to a student loan my wife co-signed for. I made a 1 time payment to Navient to have my wifes name taken off the cosigning of the loan. Navient failed to send a XXXX form to me to submit to the IRS explaining that the loan is not in default or settled. My daughter is still paying on her loan. Because Navient failed to send me XXXX form to submit to the IRS my federal income tax returns have been with held from me for the past 3 years. I have been trying to explain this mistake Navient made to them and I am getting nowhere. On top of that issue, since Navient reported to the IRS that I earned {$24000.00} dollars extra in XX/XX/2016, the IRS is now coming after me for unclaimed income in which is not the case. Navient has not been helpful at all, in fact they are quite rude on the telephone if you can ever get off of being on hold. My first complaint number was XXXX, I just received a notice from CFPD that Navient can not address the issue because of a " unauthorized third party '', I am not sure what that means. I have attached the response I received this morning.
company called me, my mother, and my husband. Threatened that if I did not call in a timely manner I would face charges and that I was being sued for fraud. the contact number given was XXXX with contact XXXX XXXX. after numerous harassing calls to my family ( in which they gave information about me to whoever answered the phone ) I called to see what I could do to make it stop. I was told I owed a debt to XXXX XXXX XXXX for a payday loan back in XX/XX/2008which is inaccurate ( icalled them to check into this and they confirmed I had no debt with them ) I asked the company to take all the numbers out of their system and stop harassing my family about a fraudulent debt. She ( XXXX ) refused to do so and said " I guess you should of thought about that when you put them down as references for your loan '' I told her XXXX XXXX XXXX shows no such debt and she said well it was sold to someone else ... after much coercing she gave the company name of XXXX XXXX  but was unable to give me a contact number. I have never received documentation regarding a debt and I want the calls to stop
To Whom It May Concern, I have a personal credit card with HSBC Bank. I have a credit balance on my card of {$150.00} ( meaning the bank owes me {$150.00} ). I requested that HSBC send me a check for my credit balance, but they have refused. 

I originally requested this check on XX/XX/XXXX. I was told the request was processed. 

After not receiving the check, I followed up via online chat on XX/XX/XXXX and was informed by the customer service representative that a check was mailed on XX/XX/XXXX. 

After again not receiving the check I followed up with the bank on XX/XX/XXXX via online chat and was told that it can take up to 7-14 business days for the check to arrive and that yes they had sent it to me. 

After still not receiving the check I sent a secure message to HSBC on XX/XX/XXXX to ask about the status of the check and to inform them that a further delay in getting this check was not acceptable. 

HSBC responded on XX/XX/XXXX indicating that they would not send me a check for my credit balance even though my most recent statement indicates they owe me {$150.00} in cash. 

I am requesting that the bank honor its debt to me and issue a check for the balance on my account. 

Thank you to all for assistance in resolving this matter. 

Sincerely, XXXX XXXX
when the federal rate increased my payment would increase and when it went down my payment would go down. When the last federal rate increased they lowered my mortgage payment. I called them and asked why they did that. They said they get more interest that way. I have been paying on this loan for 22 years and that has never happened. Is this legal? How will my loan get paid off in 8 years with them doing that? Are they doing that to others. MY account number with them is XXXX. Please help. 

Cordially yours, XXXX XXXX Phone number is XXXX I think part of my msg. disappeared. The mortgage co. is Ditech Financial LLc pob XXXX XXXX XXXX SD XXXX
MY MOM AND DADS CREDIT SHOWS UP ON MY CREDIT REPORT. MY DAD AND I SHARE THE SAME NAME. GOING THROUGH A RE-FIANCE AND ITS CAUSING MY CREDIT SCORE TO BE IMPACTED.
Navient does not allow my to pay more than the minimum on my student loan balance each month through auto-pay. In order to pay more than the minimum, I have to log into the website each time I want to make an additional payment.
I have a paypal account line of credit. I used it to purchase a dresser from their online store. Well the item was supposedly delivered to a Sears store in XXXX XXXX IL but I never received it. During all of this I received the run around for hours. All I want is my XXXX put back on my paypal account without waiting forever. I was informed 10 days the 30 days.. I just want my money. I will never order anything from them online again. I believe the item was stolen and they want to cover it up.
this person XXXX XXXX called my cell phone on XXXX XXXX at XXXX and left a voicemal msg, then proceeded to call my place of employment. I asked him to send everything in writing and to refrain from calling my job. I hung the phone up and he proceeded to call 3-4 times back to back hollering and being verbally abusive.