WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday XXXX XXXX around XXXX XXXX from Coastal Credit Auto loans threatened to destroy my credit and garnish my wages if I did not make an arrangement to settle my debt with them even when I stated several times that I was calling to make arrangements on settling my debt. He went on and on about when I bought the car how I was making the payments up until two months ago and it was not his fault that I was in an accident and that he was going to make sure that over half of my wages be garnished and how would I like that? When I asked him if he was threatening me he laughed. This back and forth kept on until I finally asked him what he was going to do? Either he was going to sue me or take my arrangement? He said that I better not bounce the check on XXXX XXXX or they were going to garnish my wages. Per federal guidelines this is unacceptable. I felt threatened and bullied into arranging a payment that I can not afford. I am seeking your assistance in the matter first before taking other legal actions. This is not my first threatening encounter with representatives at coastal credit company. Approximately two weeks prior to this phone call another representative from the company, XXXX, did the exact same thing. I hung up on him after he said that he was going to report to the credit bureaus that I refused to cooperate with the company and I refused to pay. I told him that his conversation was recorded and that he was lying and I will no longer communicate with him unless its in writing. I have yet to receive a letter from Coastal Credit company stating that they are suing me for the balance. I only have received threatening calls.
I got a XXXX XXXX credit card ( XXXX ) a few years ago which was only supposed to cost ~ $ 50/year. Since then, I have never used the card I probably had to pay $ 500+ in fines, late fees etc. Several times I logged into their website and put my bank account for automatic payments. Also did the same by calling them. But every few months I get a letter which shows a {$40.00} late fee for a {$2.00} min fee that I failed to pay. I do n't want to pay late fees for automated {$2.00} payments that failed to process The company which is managing this card ( XXXX ) is a completely incompetent scammer.
Told them to stop calling me at work XX/XX/19. 
Was told by them in a threatening manner that they will continue to contact me at work. Called Me at work XX/XX/19.
After being a Chase Card customer for well over a decade, was offered multiple solicitations for acquiring new credit cards with Chase - all with bonus airline miles and hotel points. Was approved for all ( 3 ) new cards with No annual fee for 1st year. After less than 2 months with payment always paid as agreed, Chase closed all my cards. One of my ( 3 ) approved new cards was never activated but was sent to me.

Chase has done harm to my credit, has charged me an annual fee even though they cancelled my account, failed to credit my points for both airlines and hotel, failed to credit up to {$100.00} for XXXX enrollment and failed to credit airline charge as agreed upon
During the title search there was an old judgement that surface. I presented the issue to the mortgage broker in an affidavit. He stated that he turned it into the under writers and attorneys for the mortgage company. Before closing I reached out to the mortgage broker and asked him for the status of my loan and the questionable debt. He told me they took care of it and it was too old to be factored into my income to debt ratio. Last week I received a noticed from my employer that a wage execution had been submitted and processed against. This now effects me ability to pay my mortgage and other household bills. 
Family First Funding XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX Loan # XXXX
XXXX XXXX I became XXXX and approved on XXXX XXXX. XXXX XXXX foreclosure avoided, renegotiated loan with Bayview Loan servicing. House appraised at {$71000.00}. I got the house back for {$100000.00} with {$45000.00} pushed back to end of loan so I could qualify and make mortgage payments. Bayview officer came to my home to sign one document. 
XXXX XXXX XXXX I applied for mortgage susp for XXXX months to do repairs after Irma. Bayview responded  by selling mortgage to XXXX servicing and no suspention of payments. XXXX rep refused susp of payments. 
XXXX servicing read the contract to me over the phone and sent a copy. I have never seen or agreed to part two of contract. They are adding {$45000.00} to the loan for late fees and interest that were waived in renegotiation. 
Back in XXXX I had a choice between taking a {$30000.00} payment and moving or to renegotiate loan. There is no way I would pay twice the value of the house. That 's why it was reappraised.
I have a mutual fund account in joint tenancy with my father is is XXXX years old and in a nursing home. Three years ago when he was moved to a nursing home I changed his address because he could no longer keep a Post Office Box and I live in another state. Three years ago he signed a Durable Power of Attorney. I changed his legal address to my own address and I handle all of his financial affairs including his tax returns from my address. BNY Mellon as manager of  XXXX XXXX refuses to change his address. They have also blocked all online access to the account. The post office and myself have sent them proper notification. They have refused to issue dividend checks to the new address and now are saying they must turn over the last three years dividends to the unclaimed money fund in their state of operation. They have made changing the address impossible by asking for things that do not exist ( my dad does not have a driver 's license at age XXXX ) and even refused the power of attorney stating they want a new one less than 60 days old verified by a " an authorized officer of an acceptable financial institution '' meaning that there is no one they will allow to verify it because they can not define this terminology. This is essentially extortion because they have set the hurdles so high to change the address that it is impossible to retrieve the money due to myself and my father.
I had filed XXXX XXXX and had paid off everything. Shellpoint stated I still owed {$3400.00} to them, which was part of XXXX XXXX XXXX. I paid that amount and my XXXX XXXX was discharged in XX/XX/XXXX. I received a statement from Shellpoint stating I still owed {$1200.00}. I have made many calls and mailed letters showing everything was paid. They have said they would clear this up, but as of XX/XX/XXXX. XXXX they haven't. I would like this matter cleared up and a statement from them stating I have never been late. 

Thank you, XXXX XXXX
The company is Santander consumer. I was not able to make payments with the title loan back in XX/XX/XXXX. I tried to make arrangement to get back on track. The only option was to pay over {$2000.00} in ten days or give them the van. I gave them the van. A man came and picked up the car. They did not have to tow just drive away with a full tank of gas. I was told they would sale the van in a month  and get a statement if anything else was owed. I did not hear a thing for years. In XX/XX/XXXX they called my husband. Not me who was the only one on the loan. At first he kept telling them he didn't do this loan. After time we figured out who they were. We asked for a full report for we did not get one three years ago. This loan is not on his credit report. When we finally got the paper work it was confusing. By the time they sold the car the principal balance was {$1.00}. But a misc. Fees of {$330.00}. When asked what those fees were, anyone we talked to in the company refused to tell us what the misc fees are. We told them that if they can't explain the fees then why would we pay them for nothing and we could pay them the {$1.00}. They said no you have to pay the fees. When asked them how we can get this solved they just said pay and now they are charging more. On my credit report it now says I owe {$780.00}. This company waited for over 3 years to tell me I owe them for fees that wont or cant explain and now they just call and call and still refuse to work with us.
I have lodged disputes with Portfolio Recovery and XXXX XXXX with the belief they have reported negative items to my credit report which are not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
i went to see about opening a credit card account at bank of america i had a savings account with them XXXX  ca.

the manager XXXX said if i opened a checking account and sent my pay checks in to that account i would receive {$150.00} bonus it would be completely free to use the card no monthly fees i would also earn bonus money for using the card for goods and services " keep the change " i did not recieve the {$150.00} bonus they started charging me {$12.00} per month i tryed to close the account by visiting the bank they said i have to ring them when i rang they said i have to visit the branch when i visited the branch they said i had to see XXXX XXXX was never available the account continued to deplete my funds until it ran dry I am below the poverty line less than {$5000.00} a year
FOCUS RECEIVABLES MANAGEXXXX XXXX PK XXXX, XXXXXXXXThis company listed above has reported a false claim on my credit report with XXXX stating I owe them {$200.00} from an account opened in XXXX 2014. I have called XXXX XXXX XXXX XXXX inquiring about this debt and they do not have any information regarding it. 

I have tried contact this so called company, and can not get any representative on the phone. They have not sent me any letters either informing me of this so called debt I owe. This is impacting my credit score and report and need it removed ASAP! I need to speak with someone regarding this immediately. 

To my understanding I am not the first person this collection agency has falsely accused of owing money to.
I took out a loan for the amount of {$25000.00} back in XXXX/XXXX/XXXX for a boarding school for my stepson through a school in XXXX georgia call : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. 
The company holding the note is called " aes '' American Education Services XXXX XXXX XXXX, PA XXXX XXXX. The original note was to be paid off 10 yrs. Since then its been a moving target and seem never to get paid off. After 10 yrs of this loan and paying over the minimum the last few yrs. I received a statement stating XXXX/XXXX/XXXX that I paid {$11000.00} in interest and {$11000.00} in principal.For a couple of years I thought the over payments was going towards principal to come to find out it was n't and they requested something in writing. So I did send it and to this date they are still not applying over payments to the principal.This loan although low interest rate it seem to change and adjust every year, My last statement is now telling me my new repay amount is {$17000.00} taking an addition 104 months with a payment of {$160.00} per month. Please help me with clarification, there has to be something wrong with their practices of loaning money and I need some guidance to help me from this scam. 

XXXX XXXX XXXX XXXXXXXXXXXX
I, XXXX XXXX XXXX, am a XXXX XXXX. I represent a client in XXXX who is the victim of a socially engineered spearphishing attack. My client 's daughter 's email account was hacked, and the hackers were able to look through her email history and learn she will be getting married in XX/XX/XXXX. Using her email account, the hackers sent an email to my client posing as his daughter and asked for money to help pay for wedding expenses. My client responded by email and agreed, and asked for bank wiring instructions. The hackers sent him instructions to wire money to a U.S. Bancorp ( US Bank ) account in XXXX XXXX, CA. On XX/XX/XXXX, my client wired {$38000.00} to the account. Almost immediately, the hackers were able to make two cash withdrawals totaling {$10000.00}. The next day, the hackers made two cash withdrawals totaling {$19000.00}. 

My client realized on XX/XX/XXXX he had been scammed and alerted his bank, XXXX XXXX in the XXXX XXXX, who contacted their correspondent bank in XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX in turn contacted US Bank, at which point US Bank placed a freeze on the account in XXXX XXXX. By that time, {$19000.00} remained in the account. 

I have been able to track down the beneficial account holder, who lives in XXXX XXXX. I convinced the account holder to return to my client the remaining {$19000.00}, and he has received that money. I also convinced the account holder to allow me to have access to her bank statements. Based on the statements, I determined there were two large deposits followed almost immediately by four large cash withdrawals. US Bank has not been forthcoming in providing information with respect to those cash withdrawals -- I would like to know where the money was withdrawn, how, and by whom. 

Based on the two large ( {$10000.00} and {$37000.00} ) international wire transfer deposits, followed almost immediately by large cash withdrawals, it appears that US Bank failed to utilize appropriate anti-money laundering measures. Even if US Bank did have an anti-money laundering measures in place, the large international wire transfers and immediate cash withdrawals should have raised red flags and triggered immediate scrutiny. Furthermore, the two international wire transfers originated in XXXX and XXXX, two countries known to have rampant money laundering and bribery problems, and which are on the U.S. Department of State 's list of Major Money Laundering " Countries of Primary Concern. ''
i received a collection notice dated XX/XX/2015 back the beginning of XXXX 2015. They demanded payment on behalf of a company by the name of XXXX XXXX XXXX. I have never heard of this company, so on XXXX XXXX, 2015 I sent a written request for validation to ACS, in the return envelope they provided, and the first class postage I provided. On XX/XX/2015 I received another demand for payment, by they have yet to honor my request for validation of the debt they are attempting to collect.
False Alligation claiming that I attended a school in that they have evidence showing that I attended this school which indeed is false I live in a whole different County!!!! I have proof that I never live in that county they stating I attended school at. I have been a victim of identity theft And willing to seek legal reputation if this matter isnt drop. I never attended The XXXX school before they have been harassing me for years they call me a few years back stating I had also attended a program in XXXX XXXX Florida before im sick of being harassed by this company and want them stop.
This past summer I was approved based upon my credit application and report for two XXXX XXXX Credit Cards. Then suddenly about a week after they closed my account. This institution has given its CSR to close an already established account ( based solely upon my credit history, scores, and other factors ). One of the last conversations I had with them a CSR had trouble pronouncing my name and later in the conversation after discussion of my faith based beliefs the accounts were closed. Me along with over 500 customers were approved for credit to later have their accounts closed for frivolous reasons. For me it was because of too many inquiries and for others the closer of newly opened accounts runs rather quickly and I believe the bank is allowing its credit card representatives to close accounts newly opened. And so XXXX XXXX  continues this distrustful practice of opening accounts and because a person has a different belief close the account and send out a bogus letter of why.
Went into XXXX XXXX in XXXX XXXX on XX/XX/2018. At check out I was asked by the manager of the store if i was interested in joining their new rewards card for an additial discount on my purchase. I asked if this was a credit card and he said no. the manager explained that it was a rewards card. He also said they do not run your credit and I did not need to provide my social security number. He went on to say he only needed my ID and phone number. I was under the impression my license was to get my name. He then said I was denied and I was confused as to why because this was a " points/rewards card ''. The next day XXXX XXXX  alerted me of a hard inquiry on my credit and then i received a letter from the XXXX XXXX XXXX  that i needed to contact them to process my credit application. This company is giving customers false information and doing hard inquiries on their credit reports without consent or using a Social security number.
The Company XXXX Car Loan I 'd reporting open when it 's in fact been charged off and closed since XXXX 2016 ... .I sent multiple letters to have it closed or removed my credit for inaccurate information
I joined the military in XX/XX/XXXX. I opened a credit card ( XXXX XXXX XXXX ) on XX/XX/XXXX. After a devorce and a XXXX XXXX from the XXXX in XX/XX/XXXX my balance owed and limit on my XXXX XXXX XXXX was {$3300.00}. I never received or was informed my interest was going up do to several moves. I'm being charged over {$6000.00} on a {$3000.00} credit card. They doubled what I owe.
I work at the National Credit Union Administration and Wells Fargo manages NCUA employees ' retirement accounts. On atleast 4 calls ividuals, I attempted with XXXX WF employees I insisted I want to get an online account ONLY for my retirement acct. I also have a checking account with with Wells Fargo that I insisted be paper only. Instead, Wells Fargo employees deliberately steered me to secure an online presence for ALL my accounts and wanted to then give me investment advice. 
I have since changed back my checking account to mail only.
citibank funded a defective product that was disputed through Best Buy and Citibank It was then turned around and sold to a company called midland funding. This matter pertains to violation of fdcpa and abusive debt collection. I ask that the cfpb look into this matter immediately
I was a customer of Ameritech Financial. In Connection with XXXX ( Student Loans ) FTC has sued Ameritech for deceptive practices. The XXXX XXXX XXXX   XXXX did not apply my payments towards my student loans. I was charged a total of {$1300.00}.
THIS DEBT IS YEARS OLD AND DISCHARGED IN BANKRUPTCY YEARS AGO. XXXX THEY SAY I OWE IS FRAUD AND UNFAIR PRACTICE. XXXX XXXX   IS CROOKED ...
XXXX  has  XXXX  accounts on my   XXXX   and Equifax reports that are over the seven year period.
Discover sent me a preapproved application for credit. I have perfect credit scores and submitted an application based on their offer. After I submitted the application, their system asked me to call the company directly, I tried calling Discover the same day, and they were closed ; so I had to call the next morning. When I called, the analyst that answered the phone told me that the credit decision might need another 24-48 hours to finalize processing. That sounded odd to me since most applications are approved immediately. I inquired further into why it will take so long? The analyst at Discover gave me no real reason as of why, and it seemed that she truly did n't understand her company 's process, at that point, I was disappointed with clarification, and with the training Discover provided their employees. Since my call was a waste of time, I did n't care to stay on the phone any longer. I wanted to move on with my day, so I hung up expecting a decision in the mail. Three or four days later, I receive a letter that my credit application has been withdrawn. I never agreed to withdrawing my application, they ran my credit at Discover impacting my credit scores, and they denied me credit without my authorization. I called Discover back, and the representative that answered stated it was the analyst decision to withdraw the application based on her assumption that I might 've not wanted to move forward, and if I was not happy with what happened, I would need to call Experian the credit company directly to discuss my credit check. I called Experian, and was not able to connect to any live human beings, it was one phone tree after another, and then at the end, the line gets disconnected no matter how many times I called. I was very upset and wanted to speak to a manager at Discover since this has impacted my credit, and wasted my time. After calling back and being put on hold, I was able to speak to a manager by the name of XXXX, she basically told me that she can not do anything, and that if I was still interested in a Discover Card, she would have to run my credit again. Now I do n't think a company should be getting away with this, they falsely advertised to me offering a pre-approval, and when I did believe them and applied, they had me waste my time to personally call them, then they wrongfully withdrew my application, denied me credit without confirming with me if that was my true intention, and impacted my credit scores with their useless credit inquiry. Something needs to be done to protect consumers out there from this type of predatory advertising, and Discover 's bating and switching.
On XX/XX/XXXX, my son received a call from a creditor asking for someone else. I answered the phone at around XXXX XXXX and it was XXXX XXXX calling for some woman. I informed them that this was not her number but that of my son. I told them to change the number to reflect that it was not her number anymore. Then I received a call from XXXX XXXX again at XXXX XXXX asking again for the same person. I told them that again to change the number for this is not the woman 's phone number and that I would be filing a complaint against them.
I have ready posted several documents of proof to CFPB for help. On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX XXXX sent notice of illegal default and demanded payment or they would push my account to foreclosure. I was illegally and without proof, extorted to pay all monies on said documented dates to bring my account current ... ... .. AND I DID. 
In response to the payment in full my account WAS NOT brought current but sold to Select Portfolio Servicing Inc. and NOW they are demanding the same amount stating I never became current. I even read a notice from Select Portfolio Servicing Inc., that mentioned dollar amounts BEFORE I paid the total amount to become current. On the one hand Select Portfolio Servicing is saying that they have nothing to do with the amounts owed to XXXX but on the other they are demanding those same and more dollar amounts. 
This is an illegal act of loan sharking. 
I have legal documented proof of the " cure '' notice and entire payment of said harassing " cure '' to XXXX paying off all pass threatening balances ; and at the same time proving that NOW Select Portfolio Servicing Inc. is the using the same harnessing and bullying tactics to push me again into the same intentional scamming default. 
I am now receiving notices at my private home pushed into my mailbox. 
I have made payments at the end of XX/XX/XXXX ... .accepted by XX/XX/XXXX, then again a second payment at the end of XX/XX/XXXX, a payment at the end of XX/XX/XXXX, and a payment at the end of XX/XX/XXXX. 
These payments have ALL been documented and made AFTER the payment in TOTAL of the threatening default " cure '' notice paid at the end of XX/XX/XXXX. 
1 - HOW DO I STILL OWE 2 MONTHS OF PAYMENTS and 2 - WHY IS SELECT PORTFOLIO USING THE SAME HARASSING TACTICS? 
Note : I am submitting another complaint form so that I can resubmit said documents previously submitted to CFPB with the same details as the above letter Very Sincerely, XXXX XXXX