WillisBack/dataset-financial-user-claim huggingface dataset:
People are calling my family threatening to have me arrested saying they have to get ahold of me for a court summons They leave this phone number XXXX and a case number. They call my family everyday and have even threatened to throw them in jail if they do n't find me. XXXX family member received XXXX calls in one day. The loan was over 3 years ago. I 'm now on XXXX and ca n't afford anything right now.
It is impossible to speak with someone about my credit, credit limit, etc. or get any questions answered about the Target Red Card. All of the information about whether or not I can receive a credit limit increase, etc. is confidential, and can not speak to anyone about it.
I recently, just checked All my credit cards and checked all through them since XXXX, I had not been able to do so over the past couple years due to mental illness and being hospitalized several times, I had automatic payments set for the set amount to be taken from my account every month, I noticed the card from XXXX has net been used but once in XXXX for an XXXX care bear, and 4 times last year for XXXX cd,XXXX cartoon dvd 's and a doll, and thats it for 2 years, then I check back till XXXX, I see XXXX flat screen tv 's and cancelled by them and what I really noticed is the money owed on the card has been XXXX for 3 years? I make a call to XXXX XXXX at Walmart.com Customer service, he see 's the transaction and cancelled but the charges remained on my card and a doll set that shipped and was never delivered, and say, wow, this is a lot of money being charged and it clearly shows they were not cancelled, walmart never send me a statement with purchases nor returns, the card is cancelled and escalated to investigations, the weird thing is, early that same day, I recieved a New card, and that prompt my call as well, it has a new number, so I call walmart.com again, this time its XXXX id # XXXX she tells me there are no previous charges on my since as of XXXX XXXX had printed out the cancelled charges of the tv 's, and walmart has removed all information and closed the account I called about, sent me a new card with the charges on it!
I already have a complaint Case number : XXXX, and waiting for your review. I would like to add additional information to the complaint. I contact XXXX by phone XX/XX/XXXX and spoke with XXXX, who stated that she worked in the billing department. I informed her that XXXX ( floor Leader ) claimed that Certegy contact XXXX regarding my dispute, and XXXX ( floor Leader ) stated that XXXX response was that there was unconfirmed conversation or calls relating to complaint about the product that was falsely advertised. XXXX said anything someone call the customer account is noted, and there was a conversation noted about product that I refused and they try to offer me something else, and I reply I call you back. ( the reason I said I call you back, because the conversation was getting debatable with the representatives because I did not want the services ). I have enclosed copy of statement that show that there was a conversation about refunding. On XX/XX/XXXX a transaction was made for {$190.00} under misleading advertisement, XX/XX/XXXX a refund was issuer for ( XXXX ) and it sat there until XX/XX/XXXX part of ( XXXX ) was apply to account that I never authorize or hear of, why would I order a XXXX Standard SSL, without a website. I do believed if Certegy and XXXX had follow the consumer protection law, I would have avoided, embarrassment, stress, credit denial. I call Certegy after speaking with XXXX at ( XXXX ) and spoke with a lady who claim that she needed my bank account and routing number in order to see if a dispute was made, the lady was quoting the same statement that XXXX ( Floor Leader ) had said, after I told him XXXX ( Floor Leader ) said there was a dispute on file. XXXX ( Floor Leader ) said in the beginning that there was no dispute file but when I told him XXXX ( Floor Leader ) said there was a dispute file, then that when XXXX ( Floor Leader ) starting asking for my bank account and routing number, and every since them all the Certegy representatives starting asking for my bank account and routing number in order to see if a dispute was file, I refused cause I thought it was a tactic that will be used against me for payment. XXXX ( Floor Leader ), XXXX and XXXX never asked for my bank account and routing number they asked for my I.D and the state it was issued to pull my account and to see if a dispute was filed. 
I do not trust Certegy representatives at their call center to handle any of my concern going forward. 

Please add this to complaint Case number : XXXX, already on file
XXXX sent me an electric bill in XXXX for a bill in a house in XXXX NY. I told XXXX that was not my bill and they asked for me to send a letter to their XXXX XXXX XXXX NY explaining this. I sent a letter asking them to pull deed or lease info on file and sent my license with my current address, and I never heard back from XXXX. I have NEVER owned or rented a home in XXXX. I have resided in XXXX since XXXX. XXXX never contacted me back since XXXX and now they sold my account to a collection agent without any information sent to me. THIS IS NOT MY DEBT AND NEEDS TO BE REMOVED AND CLOSED.
I took out a credit card about 10 years ago through Providian Bank. I became XXXX a little while after and could not repay the debt. I received a phone call today from a company that said they were trying to serve me papers for a civil suit. Providian is suing me for defrauding a financial institution and theft of goods. Is n't there a time barred issue? I received a letter that said Providian was cancelling the debt but was told that the letter was for a MasterCard and I 'm being sued for a Visa card. I have not been served the papers yet but someone called me to see if I would be home.
In early XXXX of this year, I approached Bank of America to accept doing an application for a loan modification. <P/>I submitted every single document they asked for. Then they repeatedly asked me for the same documents that I already submitted to them. They first started asking me about " missing documents '' from my loan package, beginning on XXXX XXXX XXXX. Every single time they asked me for documents, they were sent within one business day. Since that time, they have continued to delay and ask for documents that were already sent. I sent them faxes on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Every time I called and they said the package was complete, they would then wait and call and say the package was not complete. In the meantime, as I have been working diligently with them to restructure my loan, they started sending out threatening foreclosure notices. They are dragging their feet on this and causing me much stress and worry. They are purposely delaying this process.
I keep getting phone calls, 3 per day, from what appears to be a local phone number. However, when they leave a message it is a computer voice saying they are trying to locate me and if I don't call they back they will contact all references on file. They leave the call back number XXXX. The call reps answering the phone at that number are rude, threatening and refuse to stop calling. Apparently there is some " debt '' I owe that they are trying to track down. I recently bought a house and the bank thoroughly checked my credit. I do NOT owe any money. I need these harassing phone calls to stop.
I have been disputing things diligently with XXXX over and over.

I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs.

They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now XXXX have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way.

These accounts in question are : XXXX XXXX XXXX  ( formerly XXXX XXXX ) -- -- that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing.

XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with XXXX  and reinserted under a different name to XXXX . XXXX XXXX ( formerly XXXX XXXX  ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name.

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain.

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone.

My last phone call with XXXX lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts.

THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.
I never got a bill for the debt of  XXXX  from original creditor .also added 18 % interest to bill.I only found out when I got my credit reports, contacted GLA collection co.inc.rote them for all medical records, only received the bill with interest added an original creditor name,  XXXX   XXXX    XXXX    XXXX , no a dress, a account number. I also read they could only get original amount. their address is  GLA collection co Inc,   dept. #  XXXX    XXXX   XXXX    XXXX   XXXX , Ky XXXX .-phone : XXXX .my email is  XXXX   XXXX     XXXX   XXXX    thanks,  XXXX   XXXX   XXXX
Unfair charges to pay mortgage and credit reporting I have the Mortgage Account with Loancare. Paying on time ( Every XX/XX/XXXX of the Month ) thru my bill pay account. I realized from their statements late charged after XX/XX/XXXX that my billpay is physically mailing them the checks and they are receiving after XX/XX/XXXX. I  tried to schedule auto payments form their website but it does not schedule the payment once it is due ( after XX/XX/XXXX ). Then I started paying for their website but they charge the fee to pay online after XX/XX/XXXX of every month. More closer you are of the deadline ( XX/XX/XXXX day of month ) higher the fee. I called in so many times but never got anyone to talk to. Finally i got someone to talk in Mid ofXX/XX/XXXX ( I guess it was XX/XX/XXXX ) and request them to make auto draft every  month. They took my banking info and told me that it will be schedule from next month. I went out of country in XX/XX/XXXX and came back in mid of XX/XX/XXXX and received mails that I am behind my mortgage for 2 months. I checked my bank account and found that no draft was made. Ever since i am trying to contact them by phone but found no human to talk to. I sent them 2 request to explain all this thru their website contact us form on XX/XX/XXXX and XX/XX/XXXX but they did not contacted us. They reported us to the credit bureau. Charged is {$190.00} for the late fee. Higher than anywhere.
My checking account was garnished by a third party for a judgment debt. The bank charged my account {$110.00}, then charged me {$74.00} more because it paid off XXXX of my charges that did not go through for the very reason that the bank had frozen MY funds and then also assessed that garnishment charge ( which I never was made aware of or agreed to at any time ). Pursuant to Minnesota garnishment law I mailed the bank my signed notice of exemption form proving that all of the funds in the account came from sources ( social security and pensions ) exempt by state and federal law from garnishment, along with 60 days of bank statements. More than six business days have expired. The judgment creditor did not send or serve any objection to my notice of exemption to me or the bank. Minnesota XXXX XXXX XXXX ( 2015 ) ( the garnishment law ) expressly states " All money claimed to be exempt shall be released to the debtor upon the expiration of six business days after the date postmarked on the envelope containing the executed exemption notice mailed to the financial institution, or the date of personal delivery of the executed exemption notice to the financial institution, unless within that time the creditor interposes an objection to the exemption. '' All of the preconditions to releasing my frozen funds have occurred, yet the bank refuses to release MY money. I called TCF twice, and spoke with a " supervisor '' XXXX times. They refused to connect me to any XXXX higher up, or to the bank 's garnishment department, or to the bank 's legal department. Even though I read the Minnesota statute to them out loud, the both said they would not release MY MONEY without a court order. They XXXX told me there was no one else at the bank they would allow me to talk to, and that there was nothing more I could do except deliver the the bank a court order. I complained in person to my local branch office. The person there told me that the bank had already paid my exempt funds to the garnisher, and I would have to get my money from them!! The bank has completely ignored its statutory and fiduciary duties to me by ripping my exempt money from my account and giving it to a creditor, and added insult by charging me almost {$200.00} for the favor of their victimization. I have proof that the bank timely received my exemption form at the address they provided.
Declared chapter XXXX bankruptcy. Still receive collection calls from this number. I asked for proof of debt. They have refused to provide.
In XX/XX/XXXX, I received an alert that a collection had been placed on my credit report. The collection was from " Account Liquidation Service '' regarding a {$19.00} returned check on a JOINT ACCOUNT and that the company was attempting to collect {$30.00}. First of all I have NEVER written a check to their client " XXXX XXXX XXXX XXXX ''. I sent the collection agency a letter dated XX/XX/XXXX, ( ATTACHED ) asking for information and proof of debt. I also informed them that they have NEVER contacted me regarding the returned check to give me an opportunity to pay or dispute the debt. Because it was a " Joint Account '' I was willing to accept that one of my children or my spouse may have been responsible for the returned check I submitted a USPS Money Order ( XXXX XXXX ) in the full amount of the collection. I requested that the debt collection be " DELETED '' from my account due to their failure to make me aware of the debt PRIOR to placing the item in collection.
I had a judgement, was told as soon as it was paid they would update court records and credit report. 2 1/2 years later received notice that it had not been updated to either credit nor court. I have a letter stating account settled in full with XXXX balance, and that they would be updating my credit report.
I was caught vulnerable at a time of need. I recently just loss my car to a hit in run. In I was in a desperate need of a vehicle. I went to a local car dealership by the name XXXX motors. Which promotes we can put you in a car no matter the down payment or credit. I was deny by every loan possible. I grew weary and tired of the process. So they stop me before I could leave and said a financial company by the name Exeter financial corp was willing to put me in a car. I thought they had to be kidding me. I spent hours and now somebody wants to finance me? In they was trying to put me in a XXXX? But there was a catch I had to put down XXXX dollars and it would be a 20.95 % interest with payments of XXXX a month. I felt like I could afford XXXX without paying attention to the interest I needed a car for transportation back and forth to work. So to conclude everything the car had water pump issue and a recall. Which lucky the car still held it 's warranty and all was covered. But as time went on I only wanted the car to be an temporary car. In as I start to look into the financial aspect of the loan. I notice I was up side down. The loan held more value than the car and I was in a six year loan plus out XXXX a month only about a XXXX dollars was going to the car. I was XXXX! I 've been looking for a solution every which way to get out this loan that I was charm in to accepting.
They have called from personal cell   XXXX .phone numbers called multiple times in a day called my work number after being told not to call Phone logs available. Sent there vice VP into my work even after being told not to call making field visits to  my office! Leaving detailed messages on the voicemail. Voicemails also have been saved.
On XX/XX/XXXX I was given a call by XXXX XXXX XXXX XXXX XXXX XXXX XXXX who had threatened me with legal action if I did not pay them money. They told me also my credit would be damaged dramatically if I did not pay. I did end up giving some card information for my payments and was cooperative, however, XXXX did not send me any paperwork or taken action to sue me, which she said they were going to. They used scare tactics in order to have me give them my card information and only from a debit card or credit card.
Synchrony Bank CONVERTED my Banana Republic store charge card to a Visa credit card. In the process they reported to the credit agencies that this account was closed and that a new account was opened. I never authorized such a change, nor did I request it, this was a unilateral conversion on the part of Synchrony Bank and the card should be reported to the credit bureaus reflecting the ORIGINAL opening date of XXXX/XXXX/2005.
I have been receiving unwanted credit card applications at my work address from Capitol One since XX/XX/XXXX. I have contacted Capitol One on at least 12 occasions in the past 2 years to get this to stop. In XX/XX/XXXX, I signed up for the PERMANENT OPT OUT list with all credit reporting agencies and still I am receiving these offers. 

In the past 2 years, I contacted Capitol One on the following dates each after I received a unwanted credit card application. On each of these occasions I have been assured my name would be removed from the mailing list. 
I called in XX/XX/XXXX ; I called in XX/XX/XXXX ; In XX/XX/XXXX I spoke with XXXX ; XX/XX/XXXX I spoke with XXXX ; XX/XX/XXXX I spoke with XXXX, a supervisor ; XX/XX/XXXX I spoke with XXXX, a supervisor who said I would be removed from their list permanently ; XX/XX/XXXX I spoke with XXXX who provided a case number XXXX ; I called on XX/XX/XXXX ; in XX/XX/XXXX I spoke the XXXX, a manager to get this ti stop and with her supervisor XXXX ; on XX/XX/XXXX I received a letter from XXXX XXXX with Case number XXXX stating I would be removed from the list for 3 years. She suggested the op out registration. 
I received another solicitation in XXXX and called on XX/XX/XXXX and spoke with XXXX ; I registered for the Permanent opt out in XX/XX/XXXX. 
I called again on XX/XX/XXXX and spoke with XXXX ; After receiving another solicitation in the mail on XX/XX/XXXX I decided to file this complaint. I left a voice message for XXXX XXXX informing her I would be filing this complaint.
Bank of America engaged in intentional criminal activity to defraud consumers by manipulating its IT data to charge illegal late fees and interests, including to me. In particular, upon receiving my statement of XXXX XXXX, XXXX, I logged onto the Banks website on XXXX XXXX and authorized the payment of the full balance of {$270.00} on the due date of XXXX XXXX. The Bank confirmed this XXXX. Yet, the Bank did not post my payment until XXXX XXXX, and fraudulently charged me {$15.00} late fee and {$2.00}  interest, despite the next closing date of XXXX XXXX, XXXX. Moreover, should the Bank try to use smoke and mirrors to cover its criminal conspiracy, it must be noted that all purchases during that month of XXXX to XXXX totalling {$65.00} were returned for credit during that same month. In fact, the credits totaled XXXX. In short, my balance on the XXXX XXXX statement should have been a {$0.00} credit. Thus, despite my proper authorization of the full previous balance by the due date and no net purchases but instead a net credit, Bank of America purposely and intentionally tried to steal {$17.00} from me, as it surely does with other customers. Only IT software manipulation can explain the Banks actions. Like XXXX XXXX, Bank of America thinks that the public is too stupid to catch onto its criminal conspiracy. The Bank has ignored my dispute of the illegal fees and interest.
I have called numerous times and waited on hold. Ive emailed, with a response that i need to call. My online account is locked out, they just keep me in forbearance SINCE I HAD THE LOAN. University of XXXX put me in the wrong class, i told them what they did and then they just reported me to academic something for ising an exclamation point in my sentence. Now i have XXXX $ in debt from a company that ripped me off and a lender who i can not contact!! This has been going on since the company was sallie mae. How can Navient force me into forbearance for the simple fact i can not reach them. I make XXXX $ an hour and would like to pay this off. Im XXXX years old. How many more years can this go on. University of XXXX was a scam, navient is a scam. Im just a XXXX consumer. 

The balance keeps going up and up and up and mothing i can do about it!!!!
Regions banking officials denied my loan request based on age, gender and race. 
My full explanation has been forwarded,
I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, Equifax and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX of XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, Equifax and/or the companies listed above that did the hard inquiries can correct this issue.
The debt is not validated.   I have attached the summons as well as the collection letter from  XXXX  and  XXXX , a debt collector.
I had a hard inquiry on XXXX XXXX 2017 on my credit report from XXXX XXXX, which I had no business with. I believe they did that just because I was shopping around for internet options and I did n't even get service from them.