WillisBack/dataset-financial-user-claim huggingface dataset:
I have an old Asset Acceptance account from XXXX XXXX ( Account # XXXX ). The asset acceptance tactics for recovering date have caused hardship on my family as well as third parties ( relatives living outside my home ). Asset Acceptance has robo called and intimidated my family by telling them if I do not pay the debt I will go to Jail ... .needless to say my elderly mother was terrified for my well being. Asset Acceptance has violated my rights as a consumer and XXXX terrorizing tactics to my family and myself. These tactics are listed in the FTC 's XXXX counter compliant charged against Asset Acceptance : 1. repeatedly calling third parties who do not owe a debt ; 2. informing third parties about a debt ; 3. using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt
Several months ago, I was a victim of identity theft. Someone opened, and attempted to open, a number of accounts in my name, and made charges on some of them. Despite the inconvenience, I was quickly able to clear this up with the several financial institutions involved. All were sympathetic, extremely helpful, and professional in reviewing their own records to verify the facts. All except one... 

Apparently, someone either opened an account or made some sort of charge in my name with XXXX XXXX. The amount was {$6.00}. I never got a bill from the retailer. I do not have an account with them. I have no paperwork whatsoever regarding this charge. I don't know what is was for, when it happened, etc. But I started getting calls and correspondence from XXXX XXXX XXXX. One of the things they sent me said I could go on their web site and report that this was an incident of identity theft. I did so. But I still continue to get phone calls, sometimes several a week, from them. Sometimes, they hang up the phone as soon as I answer it. On other occasions, I have spoken with their representatives and explained the situation. Just today, I got a call. The woman said I had to provide some written documentation " proving '' my case. I asked how one provides documentation about a transaction one had nothing to do with, and has no information about. The time before, I asked the man who called to send me anything in writing they had that supported their claim that I was, in fact, responsible for this charge. He said he would look into it, but never got back to me. 

If they would show me any evidentiary details of the charge, there is a good chance that I could, in fact, demonstrate that it was not me. But I suspect they have nothing, other than some entry in their computers ; so they prefer to try to put the onus on me to prove a negative. 

I am sick of this. If I weren't so stubborn, I would just pay the {$6.00} to stop the harassment. But it has become a matter of principle. 

I would appreciate your help. Thank you.
I HAVE SOMEONE USING MY SOCIAL THEY ARE IN OHIO I TRIED TO GET MY CREDIT REPORT ONLINE AND IT ASKED ME QUESTIONS TO VERIFY MY IDENTITY AND IT HAD XXXX NUMBERS ON THERE AND I LIVE IN XXXXASO I COULDNT GET MY CREDIT REPORT NOW I KNOW THEY AT LEAST HAVE A PHONE IN MY NAME PLEASE I CALLED IN TO GET MY CREDIT REPORT BUT I DONT KNOW IF THEY WILL SEND IT TO ME
On XXXX/XXXX/2016 {$1500.00} was withdrawn from my bank of America account using a fraudulent duplicate debit card. The debit card was in my possession and the withdrawals took place in a city XXXX miles away from my location. Bank of America has denied refunding my money three times and advising the claim is not valid and it was not fraud.
I had a judgement against me from XXXX XXXX XXXX, on behalf of XXXX XXXX, who purchased an old debt and took me to court for it. I filed for chapter XXXX bankruptcy and was granted a discharge in XXXX, XXXX. I put my house up for sale in XXXX and found a buyer. during the title search, it was discovered that the judgement remained in place for XXXX and needed to be cleared. I contacted XXXX XXXX XXXX and was told they no longer had the debt and gave me a number to call. I found out that Resurgent Capital Services now serviced this debt and I contacted them to make a payoff arrangement to clear the lien. I spoke to XXXX, who said they would accept a payoff amount of XXXX i agreed and asked that they fax the payoff letter and wiring instructions to XXXX XXXX XXXX Who was the attorney handling the closing. They said it would be 24-48 hours for the letter to be faxed. two days later, I had to call again because he had not received it. I spoke to XXXX XXXX and she said they were behind but would send it asap. XXXX XXXX received it shortly after, but it was n't sufficient, so he faxed them back a request for proof of assignment and wiring instructions. see attached. I called again and spoke to XXXX XXXX and was advised his fax was received and was being reviewed by a manager. I asked her to contact XXXX XXXX as soon as the information was reviewed. He received nothing. I gave permission for him to be given any information so that he could call, but he was not able to get through to anyone. because of the delay, the closing went through but a large portion of my proceeds were held in escrow until this can be settled. I called again last week and spoke to XXXX XXXX yet again, was told that they would not be able to provide the requested proof in writing and when I argued the point, the call was disconnected. I have still received no response from them, either from the bankruptcy department, the compliance officer or customer service, whom I have sent emails to.
XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.
There is a company named LVNV Funding reporting a collection account on my credit report, as I have a monitoring service. Well, I 've made an attempt to each this company, but apparently they have subcontracted the alleged debt to a subcontractor name Resurgent Capital. However, when trying to reach this company nobody seems to be willing to provide assistance, and it 's difficult to understand who actually owns this debt. The representative is extremely rude when I call is very disrespectful.
On  XXXX   XXXX ,   XXXX  , I issued a check #  XXXX  in the sum of {$900.00} from my checking account with Chase Bank, Acct No.  XXXX .   On  XXXX   XXXX ,   XXXX  , I contacted Chase Bank by phone to inquire if I could stop payment on that check. I was told that the check was still pending and that I could place a stop payment which I did. A fee in the sum of {$30.00} was charged and deducted from my account. I was advised that the check would not be paid for one year and would need to be renewed thereafter.   On  XXXX   XXXX ,   XXXX  , I visited the Chase Bank  Branch l ocated at  XXXX   XXXX   XXXX  in  XXXX , NJ, and requested proof that payment of aforementioned check was stooped. I was assured that stop payment transaction was in effect, and was given a printed statement confirming that.  Two hour s latter, I visited the branch again and was assured again that check #  XXXX  would not be paid. The account statement of  XXXX   XXXX ,  XXXX , and a receipt of the same day indicating the balance of my account are attached herewith.   On  XXXX   XXXX ,   XXXX  , I found out that check  XXXX  on which a stop payment was issued on  XXXX   XXXX ,   XXXX  , was paid on  XXXX   XXXX    XXXX  .
I was informed that Uber had some cars for lease and that the condition was they would deduct money from your service for the " lease '' car and to go ahead and get a lease car with their partner group XXXX XXXX. I went to a dealership and made sure to ask the dealership if this was going to be on my credit and they stated clearly this was not and it was just a lease and the only reason they needed my credit was to make sure I was not a XXXX.. this was the dealer who is point of contact with Uber XXXX XXXX . I signed some papers and drove out with a car. After a month or so, I figured uber was not my thing and I requested the car to be picked up. Now, I still show XXXX ( XXXX ) inquiries in my credit for XXXX XXXX. I did not know they were pulling my credit ( hard ) and would like to have this removed from my credit. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX
I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.
USAA has limited, basically blocked my access to their institution because of a credit card charge off, due to a divorce. I have many other accounts with them however I can not access all features of them due to this XXXX charge off. I pay my bills on time and the only negative thing is this credit card. I have since closed my checking and savings accounts with them, but have maintained all insurances with them. I have called USAA multiple times trying to access my information and they have refused to help me in this. Their only excuse is because of I have a credit card in bad standing with them, they have blocked my online and mobile access, and it is not possible to reinstate it until the credit card is back in good standing. This is humiliating, and a punishment from a bank. Absolutely ridiculous treatment to their military/veteran customers. We sacrifice and they discriminate. How is this even legal to do?
Withdrew money in checking account down to {$100.00} and saving account down to XXXX dollar. I had deposited this money to pay my mortgage. Now I cant pay my mortgage. From my understanding since it is credit card debt Wells Fargo has violated The Federal Reserve Boards Regulation Z, Section 226.12 ( d ).
Receiving numerous calls from United Revenue. Phone XXXX. Do n't know who this is and why they are calling me as I 'm on the Do Not Call Registry.
Requested credit line increase on Costco credit card, was denied and ECOA notice sent X/XX/17. ECOA notice stated denial was based on XXXX credit bureau on the basis of showing a garnishment, attachment, foreclosure, collection action or judgment either paid or unpaid. This information is erroneous, I went and double checked my credit report for all XXXX bureaus, none state any public records concerning credit. Spoke with XXXX, Account manager Citi ID # XXXX and he stated that he can not do anything but pull my credit again, resulting in additional inquiry to credit which would be impactful to my FICO. XXXX was a great guy to talk to, and he is absolutely not the problem. It seems that Citi does not provide the adequate information to it 's employees to resolve issues like this. Should the CFPB wish, I can provide a copy of my XXXX report and the ECOA notice to document that I do not have any public records on file in my report.
My original unpaid principal balance is {$150000.00} but my current unpaid principal balance is {$150000.00}. My loan is current and i have never missed a payment i dont understand how my balance could be going up unless i have a negatively amortizing loan which i do not. I have a FHA loan with a fixed rate of 4.2 %. The servicer is pennymac and the loan number is XXXX and they have been non responsive to my inquiries on this. I am very concerned.
I received a notice from  XXXX  that I had activity on my credit report. Upon accessing the  expirian   site and viewing my report I saw  XXXX  discrepancies but do not know if they are related.   The first issue is a hard credit inquiry from  XXXX  on  XXXX / XXXX / 17 . I did not authorize this and I am currently not seeking credit of any kind. The  Experian  site did not give means for addressing this and did not give contact other than a  XXXX   XXXX   .      The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with   experian   and I need to have that address disputed with the other creditors as well.
This account is with Trojan which shows the original creditor as a   XXXX    office. I have no knowledge of this debt and I have asked multiple times to verify this debt as mine. I have not got any proof that this is my account. First off I had   XXXX   insurance and anytime I had a bill or went to the docs it was paid by my insurance. Second it is HIPPA violation to release any information to a creditor or any one else. If this is my account I would have signed a hippa form to not disclose my information to anyone so this would be against the law that Trojan has the account and is reporting it to the credit bureaus.
Navient allows the payee to make payments online, but does not offer the option to complete a payoff online. I phoned in and asked the customer service agent if I could pay off one of the loans through them and she said yes. She processed my payment and told me that the loan was paid off. I received a confirmation number and email reflecting that payment. When I went back online to see if my account updated to reflect the pay off. This was not the case, the monies had been spread over all my loans. If the agent does n't have the authority to take a payoff they should not tell the payee this and take the payment online.
I have put in a request to Navient to either put my payment toward the loan that I requested to pay off or refund my monies. I should n't have to ask this. The option should be available already. Every effort should be made to help/allow the student to payoff these loans.
Navient has predatory loan management practices. The site is setup to discourage payoff by requiring mail in of pay off and choosing to only allow the student the option to make a payment ahead and the loan continues to accrue interest. Navient or any other loan servicing agent should NOT be allowed to offer consolidation that requires a student to have to allow them to apply 10 years of interest on the entire loan just to have one loan. This is worse than the housing crisis.
If you have to mail in a payoff, the payee continues to accrue interest on that loan awaiting the payment to be received. The payee should be able to make payoffs online in real time. Why is Navient allowed to not offer payoff online?
Why is the customer service number not located on the front page? why does the payee have to search for a contact number?
You have reported wrong status in my report I have never paid late these accounts : "  XXXX  -  XXXX  " "  XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  ''
Equifax and XXXX XXXX still report account XXXX XXXX despite identity theft report file with XXXX XXXX Sheriff 's Department report XXXX
on XXXX XXXX I opened disputes of debt validation with all 3 credit reporting agencies. XXXX, Experian, and XXXXn. XXXX  and Experian have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, XXXX  and XXXX tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.
They call from different numbers up to 15 times a day to my spouse and myself. When trying to see what the debt was, we were yelled at stating that we know what the debt is and dont act stupid. When I requested a letter to verify the debt and to verify who they were, they told me they wouldnt give mail me anything until I gave them my card number. They were very rude, I told them to not contact me again until I receive a letter and we both continue to get calls. 
I first talked to them in XXXX of 2018. Nothing but calls sense.
Equifax has n't updated my credit report and is reporting over XXXX unauthorized inquiries that is damaging my credit score. 
Also, Equifax is not reporting correctly my Monthly VA Mortgage of {$1700.00} payments since my VA Loan was modified on XXXX XXXX. 
I respectfully do n't want to display my Bankruptcy chapter XXXX to the public or potential creditors. I am on XXXX and Retired. 
I should be accommendated according to Department of Justice XXXX XXXX Act of Congress of XX/XX/XXXX.
I am trying to purchase a home in XXXX MN. The lender approved us for a loan. We have done all of the standard things to get ready to close including scheduling XXXX closing dates that have been cancelled because the mortgage company will not give us a clear to close. When we get real close to the closing date the lender needs more unneccesary paperwork, ie: another paytub or another printout of account details from a stock. The sellers (and us the buyers) are becoming anxious about the transaction and I fear they will move on to the next offer even though we have done all we can from a buyers perspective.
On XX/XX/XXXX multiple unauthorized ATM & debit transactions were made on my business account totaling {$14000.00}. I reported this to the bank as soon as I found out upon checking my account balance as I was not notified. I found out that someone falsely represented me on the phone and called to change my business address in XXXX 2017. I was told account notifications were turned off and that my limit on the amount of money to withdraw in one day was raised. In XX/XX/XXXX a new debit card was sent to the fraudulent address. XX/XX/XXXX a pin # was sent out to the same fraudulent address. On XX/XX/XXXX, a {$3000.00} account transfer was done from my personal account to the business account and {$2500.00} from my business savings transferred to my business account and then multiple ATM withdraws ranging from $ XXXX {$3000.00} were made along with 2 transactions at XXXX totaling {$2900.00} each. Total amount stolen was {$14000.00}. <P/>I filed a claim with Chase and had to file 2 separate claims : 1 for the ATM transactions the other for the debit transactions. <P/>I filed a police report, claim # XXXX. <P/>XX/XX/XXXX, Chase informed me they 're denying the dispute for the debit transactions because someone called representing me and " authorized the transactions '' and had the debit card & pin # for the card and they are reversing the temporary credit on my account in the amount of {$5800.00}. <P/>All of these unauthorized transactions occurred because Chase allowed someone claiming to be me to make changes to my account, including my address, account notifications, travel suspension, increase spending limits, and request new debit & pin #. Chase failed to protect my account and my personal data which was used to steal XXXX. Chase has failed to fully investigate this situation fully and to resolve it in a reasonable manner. <P/>I have been in contact with XXXX corporate regarding the debit transactions, they have video footage available and are willing to give the money order numbers that were purchased. They said Chase bank would need to open a claim with XXXX 's loss department, but Chase has not contacted them regarding my situation, neither has the police. <P/>I am a small business owner. I own a XXXX XXXX  licensed by the state that can not move locations easily or frequently. I am disappointed that Chase failed to notify me at my address, email address, or phone number regarding any of these changes or transactions and that they failed to protect my money and are failing to take corrective action to resolve this issue.
The servicer will not allow me to short sale my home because the recent winning bid cancelled do to poor due diligence and realized they had offered too high. This is no fault of my own. This was the first auction that had the more realistic minimum bid at {$610000.00} and sold for {$750000.00} but the buyer saw the condition of the home ( after winning the bid ) and immediately cancelled due to the condition of the home. The previous auctions were for {$860000.00} as opening bids and received no bids. 

The servicer asked me to submit any offers and I did send the accepted offer ( there were many offers between $ XXXX- {$64000.00} at previous times. The accepted offer was at {$610000.00} and that buyer can still buy it but the servicer wo n't allow the sale unless by auction. 

I just want to sell it to avoid foreclosure and we have an accepted offer outside of the bidders from the recent auctions but none will pay higher than {$640000.00} due to the condition of the home. 

Normally sellers can accept and offer and present it to the banks for a short sale approval but to date there have been many mistakes by buyers and the bank ( none from the seller ) that have prevented the short sale to close. 

If the auction is done again or use the existing offer then a short sale can be accomplished and foreclosure can be prevented. 

I only want to do what is best for everyone but it has to be done correctly. Please contact my servicer and have them allow the short sale. 

Thank you auctions had been done in the recent past to obtain potential offers but the asking prices have been way beyond what the property is worth so there have been no offers at what the servicer has asked as the opening bids. The most recent auction started with realistic minimum bid
I opened a AAA Bank of America credit card in XXXX of 2015 In XXXX I got a call about fraudulent charges from somewhere in XXXX I did all the phone calls filled out all the paper work and I closed the account after several calls it seemed as if they had no clue .I was told fraud dispute was started.I called back when I got my statement and saw nothing was done.I was told it was not started the lady I spoke to said she would start the process in the mean time I was making payments even though I wanted to pay off the entire balance just to be done with this card .I closed the account for my piece of mind. I called back after my XXXX statement seeing as the dispute still was not resolved. I was told by next billing cycle I would be given my true balance that is all I wanted so I can pay it and get rid of this card.I got my statement not only is it not resolved they added back on the fraud disputed amount and charged me a {$25.00} late fee I dont even know when my billing cycle is because they locked my account and I did not get a paper statement.I will go through the ordeal of calling fraud center on Monday. All I want is to pay off this card but my actual charges and not foreign fees or late charges. I have been victimized over and over from this bank. I had this card for XXXX months and all these problems. XXXX XXXX XXXX years no problems. The customer service stinks .I will call XXXX and tell them terminate there association with Bank of America.I hope someone can help me with accurate information the last charge I made was XXXX 2015 give me my balance minus payment what is so hard. XXXX XXXX /Acc # XXXX