WillisBack/dataset-financial-user-claim huggingface dataset:
Got a voicemail on my cell phone last week while I was working from an individual named XXXX XXXX calling from a company called XXXX. He mentioned also in the voice mail that I had to call him regarding a serious concern regarding a client who was referred to his office and that theyre offering me to do a statement from me or my attorney. And if I didnt call him back they were going to take further action without my input. He never identified himself as a debt collector or said it was an attempt to collect a debt on the voice mail so it left me wondering. He just identified himself as an advisor. 

I called to leave a voicemail asking what it was in reference to and what is this XXXX  company about. He called and left another voicemail stating that due to privacy laws he cant state specifics via voicemail. 

So I called back on the next business day and Mr. XXXX answered. I asked him what he company was and he just said its called XXXX, and that its a prelegal collections company. He didnt state it was an attempt to collect a debt, they just straightforward said that they wanted me to pay a debt from a payday loan that was 8 months old. They demanded payment upfront and I couldnt pay. They said that they can do a payment plan. I told Mr. XXXX that I can agree to a payment plan but that I will manually call to pay via phone or mail in the payments. Mr. XXXX stated that there was no option but auto pay because the account was 8 months defaulted, and was persistently saying that only autopay was the only option now. And he then asked for my card information and I honestly felt coerced to give him my information due to fear of legal action. I never received a letter from this collection company before. I have been a victim of fraud before and I was very hesitant to give them my information. I also asked for the company address and Mr. XXXX was hesitant to say it, he just said it was located in XXXX, NY. 

I was then transferred to another person who got my payment details and emailed me a schedule of payments that I had to sign online and email back. I havent signed the documents yet because I dont feel secure that this a legitimate company because their actions and practices raised red flags to me. 

I then called my law firm and spoke to them regarding what happened and they initially looked into it and. They discovered that he company was not located in XXXX, NY, but in XXXX NY. And also they discovered that their website features an online portal to Pay and that it didnt matter how old the debt is, that they shouldve offered me options to pay, not just with autopay. They also said that I shouldve gotten a letter beforehand but I never did. The law firm called the same number to verify if this a legitimate company and the same number Mr. XXXX called me from and had his voicemail on, and another person with a different name answered. They are going to look further into this matter and they suspect it could be a fraudulent company. I fear now that they can use my account information. Online they are under the name XXXX XXXX XXXX, not XXXX. They never mentioned to me it was called XXXX XXXX Solutions
Good day. This has been a long and stressful situation. Due to a reduction of work hours back in XX/XX/XXXX-XX/XX/XXXX because of illness. I fell behind in with payments for my home. I then received legal papers from the loan service company XXXX XXXX based out of XXXX. I hired a law firm that also did loan modifications. We applied numerous times and every time. XXXX XXXX always came back with a denial. always claiming some paper was not delivered or the application wasn't complete. Etc They hired the law firm to start the foreclosure process in XXXX County XXXX. Supreme Court. My lawyer at the time I believe answered every motion and although the state of XXXX XXXX requires the lender to have a preliminary conference to try and settle. Here in XXXX county. We have a judge that deals with his cases in what is knowed as a " rocket -docket " and in over 95 percent of the time doesn't bother to read papers submitted by defendants and always agrees with the banks. He has been reversed a number of times on appeal. No settlement offer was made to my attorney ( he never informed me of one if in fact the lender did ) and the case has proceeded for a few years now. Fast forward to this complaint. I then went to XXXX XXXX housing center which is an approved XXXX XXXX State housing service that is contracted by XXXX XXXX to help homeowners stay in there home and works on dealing with the lenders and homeowners to get loan modifications approved. After meeting with my housing counselor. A few times. Gathering all paperwork that is required from the bank. And submitting my application again. The loan servicing company XXXX XXXX once again came up with the excuse that they didn't receive paystubs. Now please keep in mind. Paystubs is one of the most basic parts of the application and everyone knows that and especially me after dealing with this process as well as a licensed non for profit agency that paystubs gonalong with the application. XXXX XXXX housing crisis has submitted over ten thousand requests and I myself have submitted a few so that was nothing but a blatant lie by XXXX XXXX when it. Denied my application for a modification. This is what these lenders due. It's a well documented process. I have letters from my former lawyers. Letters from the non fornprofit that submitted the last application. And in reading the CFPB role and seeing how you. Have investigated other lenders who partake in these type of rule breaking games such as XXXX XXXX as well as XXXX. I'm filling a complaint and ask that you look at and investigate XXXX XXXX track record and there process. I'm willing to be interviewed and willing to turn over all papers. They have broken and violated the consumer protection boards rules on a number of issues. 1- not meeting timelines to inform applicants about any missing documents2- not acting in good. 3- violations in regards to time deadlines and other issues
I hold XXXX consolidated federal student loans serviced by Navient. I sent a check for {$13000.00} to Navient on XXXX/XXXX/16 for my consolidated loan XXXX ( Acct. # : XXXX ). It was cashed electronically on XXXX/XXXX/16 by " XXXX XXXX XXXX ''. The money has not been used to pay off my student loan. When I called Navient they said I sent the loan to the wrong processing address. However, Navient is part of XXXX XXXX as a government sponsored enterprise. Whether the processing center is at XXXX ( where I sent the check ) or XXXX PA ( where they said I should have sent the check ) is used Navient processes the check. They have held my money for two weeks which has not been used to pay my loan. According to the person I spoke to at Navient on the telephone they do n't intend on using the money to pay off my loan but stated they will send me a check for me to cash. I am supposed to cash that and issue another check to send to the processing center in XXXX. However, Navient is the processor regardless of the processing center. Navient is holding my money, without interest, and not using it to pay off my loan. I have not received the check. I also have an electronic pay agreement with my bank to currently make my payments which they could use for a refund. My recent loan payment does not reflect the money they have received to pay off the student loan. Navient is misusing and misappropriating my student loan payments.
I have borrowed from XXXX since XX/XX/XXXX using my phone to conduct loans online. There has been only one incident in the past about completing a loan due to a " glitch '' in their software. Was resolved, although not quickly. I have never missed a payment and have sometimes paid early. I live in Wisconsin. I am " achieved Gold Status '' on their " Ladder to Success '', yet am told Wisconsin does not allow consumers to go beyond " Silver Level ''. I have never been able to borrow any higher amounts nor have I been charged a lower finance rate even though I have paid on time and or even early. 
Since XXXX XXXX, XXXX, I have been trying to re-apply for another loan and the system has another " glitch '' in it. SIX DAYS LATER ... ..STILL UNABLE TO RE-APPLY!!! This has hurt me financially as I neeed the money for rent due XXXX XXXX. Nothing is posted about the problem. They tried to say my phone was causing it. Another employee said I was " Third Party Restricted ''. I  called those people. They said I was not and XXXX was giving me wrong info. 
I find 6 days of an issue not resolved as indication of something else going on. Am I due any refunds???
Last XXXX XXXX 2017, I applied for a job at the XXXX XXXX XXXX XXXX and I found out that the XXXX XXXX account # XXXX I no longer have any responsibility since my ex-husband refinanced it and took me out of the loan. It reports being open reporting up to 120 days of delay affecting my credit history and the possibility of obtaining work. Although you send the necessary evidence for this information to be corrected in the Experian agency, you continue to report incorrect information, determining that XXXX XXXX confirmed that the information is correct. The XXXX and XXXX agencies corrected the information. I request that the necessary attention be given to my case since this incorrect information depends on my possibility of a job that I request.
I had not yet received a statement from Best Buy ( Citi bank ), when my wife called a number in response to a recorded message. A rep from Best Buy ( Citi bank ) asked her to pay the balance on the account, she explained that we had not received a statement yet, but would be happy to go to Best Buy and pay the balance with interest, which she did the following day. Citi bank contacted us demanding we pay a late charge, I explained that we had not received a statement for that month ( we have not received the statement yet 4 months later ) and that I would like them to waive any charges do to the circumstances, the rep refused. I canceled the credit card. Citi calls several times a week asking for us to contact them. I have to no avail, they keep sending us bills for ever increasing amounts.
I have contacted and disputed bank accounts with XXXX XXXX and some other banks that were opened fraudulently in my name and SSN. I was already contacted by a mysterious email from XXXX XXXX stating that I could be in a class action lawsuit regarding people opening up bank accounts fraudulently in others names and SSNs. 

I have never did any business with XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX ( This bank is in Georgia!! ) I have never lived in Georgia. 

XXXX XXXX blocked the XXXX XXXX accounts but then they added them again about 2 weeks later. And they stated these accounts were verified. And I want detailed answers on how thorough this investigation was. I need to see signatures as well. I need names of who is verifying this information I sent them a sworn affidavit XX/XX/2018 and also I sent a filed police report in from the county that this happened in about two years ago apparently because I had seen an address on my credit report in XXXX County, which I have never resided either. 

This is a mess and I am going to have to contact every agency that exists including legal representation until this is resolved.
When I was in college I moved around alot. My identity was stolen using cards and other information that came in the mail. I had opened an account with Suntrust and they sent my card to one of the old addresses. Someone tried to use my card and Suntrust then placed a fraud alert on my account. I contacted them and told them what happened and they would not remove it. They will not even send me a letter or anything telling me if I owe them or not. This is causing me a lot of pain and suffering. I have not been able to open an account anywhere! They will not even allow me to dispute it. I have went through XXXX XXXX XXXX and they are still no help.
For the past 4 months I have requested from   XXXX    the " ORIGINAL '' documents provided to them by the credit collection agencies who have reported negative accounts on my credit report. The credit collection agency is Central Financial Control and the account number is  XXXX . I do not have any knowledge of this account. Under Section 609 of the FCRA it clearly states that the credit bureaus have to have on file the with my " ORIGINAL '' signature that were provided to them by the credit agencies. After all of these months they have rightfully deleted some of the accounts reported on my credit report but to this day I have yet to receive all of the requested documents and the negative accounts have remained on my credit report. Each credit bureau have deleted some of the accounts that another bureau keeps reporting and some accounts have remained on my credit report that other agencies have deleted. How is that possible? Either they have the documents that I am requesting or they do n't. All am simply asking for is the " ORIGINAL '' documentation that they received from the creditors that have reported negative information on my  credit report that they are required to provide me with upon request and they have yet to provide me with that information yet they keep the negative information on my credit report. Could you please open an investigation and help me get my credit report sorted out.
The Identity Theft Assistance XXXX is a nonprofit dedicated to working with industry, law enforcement and government to help consumers prevent, detect and recover from identity theft. Founded in 2004, our mission was to put consumers and their experiences XXXX in the fight against identity fraud. 

I was a former customer of Bank Of America Corporation. Bank Of America Corporation closed my account after I was a victim of documented fraud. 

However, contrary to the XXXX policies and marketing material available via XXXX : XXXX Bank Of America Corporation refused to provide me with a referral to the Identity Theft Assistance Center.
XXXXXXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the Borrowers Defense. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. Borrowers defense told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.
Equifax had a security breach and requires me to pay to freeze my credit, even though I was affected.
We are non-resident mortgage holders on a vacation rental property in Florida since XXXX XXXX. Our mortgage has changed hands approximately 4 times, most recently to Nationstar. I usually make payment online at the beginning of the month with an additional principal payment as funds available to us. I was unable to pay in XXXX through the website and eventually had to make an expensive phone call to make it. I was assured that the company 's website XXXX series error ' would be rectified by the payment due XXXX XXXX. It is n't. I have no way of sending any message through email without first being able to sign in, neither am I able to make the payment due or access information for my tax return now in progress for XXXX. It is beyond stressful to be so far away and so un-helped and helpless! A company this size should not have an inaccessible website for more than an hour ever. 
I 'm hoping this is a simple one for you. 
With thanks
On XXXX XXXX, 2016 I was receiving calls from my family members and friends stating that a XXXX XXXX was calling and leaving messages stating they needed to reach me. I then called the number that was left on my phone and was able to reach someone. This person told me this was in regards to a debt. I quickly pointed out that I had not received anything in the mail in regards to this debt. She proceeds to become very angry and keeps questioning me as to when I will be able to pay the money. I explained to her not until I received written verification and had an attorney looked at it. She continued to harass me, yell at me for wanting to have my attorney look at and verify this debt and not allow me to speak until I finally just had enough and hung up. I am very upset and feel violated and embarrassed as they called every single person I have ever come into contact with. To make matters worse I was never given the name of the debt collection company.
I was called on XX/XX/XXXX about a debt originally from my JC Penny credit card through GE Capital dating back to XX/XX/XXXX. When I asked about the Statute of Limitiations on this debt they said it was 7 years. I asked again and was told 5 years. This is not true, according to Kansas Statute KSA 60-512 the limit for action on credit card debt is 3 years. 
The debt collector also said that they were calling to help us avoid being sued for the debt with a trial on Thursday XX/XX/XXXX. I have never recieved a summons for this date. 
On XXXX/XXXX/XXXX the debt collector called again and did not believe me when I told them the statute of limitations is 3 years but said she was not familar with Kansas Law. Again they said they were calling to help us avoid a court date this time on Thursday XX/XX/XXXX, again i have never recieved a summons for this court date. During this call I asked them for their name, company, and street adress. They said their name was XXXX XXXX from XXXX XXXX XXXX but would not provide a street address, saying that they can not give the address due to terroristic threats. They did provide a fax number XXXX. 
Also they continue to use my maiden name even though this debt is from after my marraige. 
I have tried searching for thier information using the Company Name, XXXX XXXX XXXX, the fax number they provided and the phone number they called from. I have not been able to locate any information about this company and am therefore unable to make any written requests related to this debt.
I ordered a product on home shopping network from TV advertisement. I called them. They had the wrong address because I had moved. I gave them correct address and I recieved the product. However, this company uses a vendor for billing purposes. So the woman taking my phone order neglected to update my billing address with the billing company and so I never recieved a bill and consequently recieved a 90 day late pymt on my credit report. That wasn't fair.
Asked ERC to please send me validation of debt. They never sent anything. Today, they contacted my husband, which I don't know how they got his number, but they did not give him any information. Just said it was an important matter. I called ERC back again, and asked them what they needed, and gave them my name. They looked up my name, and said there was nothing in their office, which I already knew. Got another call on my phone from ERC and the lady told me she needed my SSN. I told her NO, and hung up the phone. Still don't know what this is about, nor have I received any paperwork from this company. Will not leave me alone ....
The payment history states I was late making a payment in XX/XX/XXXX. I made the payment on time called 9+ times to the creditor directly, spoke to transunion and got it corrected only for it to revert back.
I am contacting you as a customer of XXXX affected by the data breach at Experian. This breach has likely revealed my social security number, address, telephone number and other identifying information allowing criminals to open bank accounts and credit lines in my name. Experian offered 2 years of free credit monitoring service for affected customers. This is completely insufficient. The loss of my social security numbers is a grave oversight. The number can be abused anytime after the 2 year monitoring has ended. I expect that the monitoring service should be extended for at least 10 years, and that Experian should provide free and unlimited credit freezing and reversal of credit freezing at all 3 credit reporting agencies. The agencies generally do a poor job protecting from fraud and identity theft, as blatantly visible here.
I had a debt from the 1990 's ( a vehicle ) and I received notice from the treasury department that my income taxes were being intercepted for this debt by a lawyer for Asset Acceptance Corporation. I have learned that this supposively went to XXXX district court in XXXX MI and it is on my public record as a lien. The statute of limitations is surely expired and now I am having a hard time getting credit. I need assistance on what I should do. This same lawyer has also went after a friend of mine who owns his own company and threatened legal action against him because I briefly worked with him. Please advise as they continue to harrass me. I have not spoken with anyone about this situation.
I have been approve a capital one credit card after been approve they froze the account because I have cards as join account and they think it 's fraud but any way the problem now after summiting my personal information they do n't accept my passport because they said its from different country they are so XXXX ...
We moved out of XXXX XXXX XXXX XXXX, XXXX XXXX Illinois on XX/XX/XXXX. The house was officially foreclosed by XXXX XXXX Bank on XXXX. XXXX illinois is trying to collect money from us in the amount of {$2700.00} for service date of XX/XX/XXXX and has reported us to equifax. We have made several attempts to get this charge removed from equifax but equifax refuses to verify the date of service from XXXX Illinois and will not remove this collection account from our credit report. We are hoping that you might be able to help us with this matter. XXXX illinois should not have waited 6 years to report this to XXXX ; furthermore, XXXX should be pursuing this collection from XXXX XXXX bank and not us. Thank-you for your time in looking into this matter!
I was solicited by Capital One 360 to open a Checking account, as an existing credit card customer. The terms ( as captured by a screen shot of the offer ), were for a bonus of {$300.00} to be deposited to my checking account after receiving two direct deposits of {$250.00} or more ( each ) within 60 days. After receiving two ACH deposits of {$250.00} ( each ) into my account, I checked with the bank by phone, and a representative confirmed that the requirements had been met, and that the deposit would be made within the next month to two. When I followed up with the bank, I was again told that the requirements had been met, but sometimes it took longer for the bonus to be received. When I contacted the bank again on XXXX XXXX via chat, I was told that the offer was in fact only {$100.00} ( which, according to the representative was recorded to my account ), and that the two ACH deposits did not meet the requirements of being " direct deposits ''. 

Capital One 360 clearly makes no effort to proactively deposit the " bonus '' offers they use to entice customers, and probably owes their customers a great deal of money, in addition to using illegal ( if not borderline ) practices in doing so.