WillisBack/dataset-financial-user-claim huggingface dataset:
I was not aware of a debt that we owed to the bank account we had that was closed. Seems that a couple of companies tried to process payments through the closed account so it in turn accrued a balance. Well they forwarded it to a collection agency. Now I had XXXX accounts XXXX was with my husband the other with my son. They are calling my son trying to say that he owes {$1000.00} but they are combining the total from both accounts and he was only on XXXX and the balance on that was like {$400.00} or so. They keep calling and harassing and I am in the process of sending a letter to stop the calling so that i can figure out how to resolve this but they insist on calling and being rude and disrespectful and threatening
I received a bill from a " CBE Group, INC '' attempting to collect a debt on behalf of " XXXX ''. This date claims to be an amount of {$43.00} and includes a " service disconnect date '' of XXXX/XXXX/XXXX. 

I did previously have XXXX XXXX internet and cable service from XX/XX/XXXX through XX/XX/XXXX a standard 2 year agreement which was disconnected promptly at the end of the XXXX month. 

I attempted to contact XXXX directly to see if there were any outstanding charges on my account and they confirmed a XXXX balance from the account held XX/XX/XXXX- XX/XX/XXXX. 

After spending roughing XXXX minutes on the phone being transferred back and forth between XXXX " Customer Service '' and the CBE Group `` Customer Service '' and " Finance Department '' I was only able to be told that the {$43.00} was from " pay per view '' orders and ordered through the account associated with phone number " XXXX ''. I did research on this number as I did not recognize the number and found that the area code used " XXXX '' is not a valid registered area code in the United Stated. 

I formally disputed the charges with " The CBE Group , Inc. '' pm XXXX/XXXX/XXXX by written correspondence to their mailing address and would like for the debt to be validated prior to potentially harming my credit or before I make an unnecessary payments for charges of services I did not approve.
Subject : Re : Beneficiary XXXX TRUST DISCHARGE APPOINTED FIDUCIARY XXXX, ORDER APPOINTED FIDUCIARY, TRUSTEE, SURETY, GRANTOR, BANK OF AMERICA XXXX, CA XXXX BENEFICIARY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Appointed fiduciary 's ORDER TO PRINCIPALS IS ORDER TO AGENTS HOW TO PREPARE BENEFICIARIES TAXES IRS/FTB How to Prepare IRS/FTB Fiduciary Taxes Social Security 's # XXXX How to Prepare Fiduciary Taxes. " Names of People '' the constructive statutory Vessel all cap letter name of the USA corporation of " names ''. Undertaking the XXXX XXXX XXXX XXXX of the US can not be taxed. 
WITNESS XXXX BENEFICIARY XXXX XXXX XXXX, XXXX XXXX XXXX Beneficiary/ Authorized Representative of XXXX Trust XXXX PENDING DEBT BY XXXX " XXXX XXXX XXXX ATTORNEY XXXX XXXX and IRS/FTB XXXX XXXX ''. 
XXXX XXXX The XXXX ( XXXX ) XXXX Trusts " names '' are the specific denial of rights of Real Property, Personal Property and Ecclesiastical Property for most men and women, corresponds exactly to the XXXX forms of law available to the XXXX of the Bar Association Courts. The XXXX form of law is corporate commercial law is effective because of the XXXX XXXX XXXX XXXX Trust. The XXXX form of law is XXXX and trust law is effective because of the XXXX XXXX XXXX XXXX Trust. The XXXX form of law is XXXX law is effective because of the XXXX XXXX Trust of Baptism. 
XXXX XXXX The Birth Certificate issued under XXXX Law represents the modern equivalent to the Settlement Certificates of the XXXX century and signifies the holder as a pauper and effectively a XXXX. The Birth Certificate has no direct relationship to the private secret trusts in " name '' controlled by the private banking network, nor can it be used to force the administration of a state or nation to divulge the existence of these secret trusts. XXXX XXXX Given the private secret trusts of the private central banks are created on false presumptions, when a man or woman makes clear their XXXX XXXX XXXX and claim over their own name, body, mind and soul, any such trust based on such false presumptions ceases to have any property. 
XXXX XXXX Any Administrator or Executor that refuses to immediately dissolve a XXXX ( XXXX ) Trust, upon a Person establishing their status and competency, is guilty of fraud and fundamental breach of their fiduciary duties requiring their immediate removal and punishment.
After calling and confirming that Barclays was waving fees for military members, I applied and was approved for the Luxury Gold Card. Shortly after I recieved a statement from Barclay 's confirming my annual fee would be waived along with a reduction in my apr to 0 %. One year later, Barclay 's has come out saying this will no longer be the case, and that I will be responsible for the annual fee of the card going forward. They are claiming that the waivers are being rescinded because they have a new interpretation of the SCRA. While their new assessment is correct, it does n't change the fact that I applied for the card and accepted the credit score implications only after being told that the conditions would remain the same " as long as I remained on   XXXX   XXXX  . '' I have been and will continue to be on   XXXX   XXXX   for the foreseeable future. As I am continuing to meet my obligation under the original terms, I would ask that Barclay 's honor their original agreement with me.
So back in XX/XX/2016, when paypal among others were hacked. As a result i suffered heavy losses. My back account was linked to my paypal account. I still have the letter from paypal claiming that i was not at fault and that none of these transactions were authorized. I kept all the copys in my email account. I have been fighting this case since. There were multiple transactions of XXXX . One of my old paypal accounts was hacked into from a different state. I was living in texas at the time. And paypal sent me a warning that one of my accounts was hacked after the fact. Im missing over 3000 $ not to mention the nsf fees and the money from my checking account. I was told when i filed with IC3 and XXXX  that they would contact me asap. Only recently did i get contacted almost 3 years later. I really want to have my money returned to me as it was hard earned money from a dead end job. Paypal has tried many times to collect this debt from me dispite thier previous claims that i wasnt at fault. If you checked my old paypal account im sure you would see its still 3500 $ plus negative. This company has been XXXX me over left and right since that attack. I have lost countless money to paypal and being forced to open new accounts just so i could have a payment option. Please help me. I really want to sue them. Ive tried everything to get them to understand.
I received a credit card that I did not apply for from Discover. When I contacted the company my experience was very suspicious. When I Gave the woman my SS number on the phone there was complete silence for several seconds when I asked are you still there? She acted surprised and asked me again for my SS number. I gave it again and she asked another time for it as if it did n't match her records. After several minutes of conversation and verifying my info she asked a fifth time for my SS number. At that point I got terse with her and said " You have asked for my SS number 5 times, what is going on here? '' I then asked her for my SS number and she gave it to me. I then asked for all information she had on me. This included a fictitious email address and a long past phone number of mine. When I checked my credit the following day I had no indication of identity theft and not even an inquiry into my credit from Discover. I do n't know what is going on here but It seems that Discover may have purposely issued this card as an aggressive and illegal sales effort or perhaps issued it wrongly without verifying my information. I believe this needs to be investigated by the U.S. authorities.
Ditech processed payments incorrectly and did not rectify in a timely manner which resulted in my having to pay a lock extension fee when I went to refinance. All of this is explained in the attached letters. I have been extremely patient with Ditech. They have sent me several letters saying they are looking into the issue, but it has been over 4 months now. The loan has since been closed because I refinanced, but the issue and outtstanding resolution are straightforward.
I was charged excessive late fees and extended late fees on my account. transactions such as deposits and withdrawals were structured by the bank so that my account was unnecessarily short and thus overdrawn causing me fees in excess of {$300.00} over a few months.
I logged into my account on line today to discover the account had been closed. Absolutely no notice of pending closure was provided by ExxonMobil. Expiration date on the card is XX/XX/2019.
In the early part of XX/XX/XXXX we changed insurance companies because we got a better rate by combining our homeowners with our auto insurance. We prepaid the premium, cancelled our old insurance and notified Loancare. We asked them to remove the old insurance from our mortgage escrow payment since we now pay it directly from our bank account and sent them proof of coverage. They refused to accept our mortgage payment unless we also included our old insurance premium even though they have the verification of coverage from our new insurance. We are currently a month behind in our mortgage because of their refusal to follow through. We have repeatedly called with no results. We were told a supervisor was not available but we would be called back. We have not been contacted but have been told several times that our problem was being reviewed.
TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX   XXXX not mine XXXX XXXX {$920.00} not mine XXXX XXXX {$1800.00} not mine
First ... ..I am at an ABSOLUTE LOSS AS TO WHY EQUIFAX HAS BEGAN PLACING MY FULL SSN ON THEIR REPORT ... ... .This is something VERY NEW ... .and AMIDST ALL their " PROBLEMS '' You would think they would not do that ... ... so MY FIRST COMPLAINT is ... ... STOP PRINTing my entire SSN!!!!!! Next is I received in the mail that they have verified a fraud account as accurate ... ... .that 's great ... ... not only does Equifax continue to show XXXX XXXX as valid although it is not ... ..Equifax now reports an imaginary account that they wrote as a " charge off '' ... ..amazingly has given itself! How is this account open????? Closed? Charged off????? It 's not mine!!!!! Is this how they plan on treating all the people they allowed their data to be breached???? .Because of course Equifax is aware that ANY ONE can simply " access info ''. A computer can not verify who you are. So Equifax ... ..send me your DOCUMENTS!!!!!!!!!!!!!! You are telling me this make believe account is " verified '' ... not because of a papertrail, but because my name was placed into a computer program.Is this how Equifax plans on handling their recent breach ... ..All names and birthdates of victims will be deemed " verified '' on a bunch of fraud accounts Equifax helped to create ... .... Real nice of you to have consumers holding the bag ... ... for your lack of security.!!!!!!
This complaint is regarding inaccurate information on my credit report being reported by Experian. Their report contains inaccurate names, social security numbers, addresses and old accounts that were closed and are being shown as open. Certain accounts are from XX/XX/XXXX and were paid and closed in XX/XX/XXXX. I've disputed the inaccuracies before they have not corrected the issue.
This complaint involves the Key Bank organization.Specifically the collections department and an employee Supervisor by the name of XXXX. The circumstances are of a very cruel and vindictive nature. The origin of our calamity begins with the XXXX of our XXXX. My wife discovered our XXXX and now is no longer employed due to full blown XXXX.She applied for Social Security Disability and was awarded SSDI. It took many months and had an award date to accompany a direct deposit into our Key bank checking account. This deposit was for XX/XX/2018. On the XX/XX/XXXX my wife and I contacted Key bank to make sure everything was in order. We were assured everything was in order.On the day of the XXXX we were not able to obtain the funds from the ATM.Call to the customer service # for the Key Bank organization stated that the money was deposited. We then proceeded to speak with customer service of which we were told that our checking account had been closed in XXXX due to a XXXX overdraft fee and no activity for a certain amount of time. We then asked why was the money deposited into a closed checking account and why were we not informed on the XX/XX/2018 that the checking account was closed. Additionally we informed the customer service representative that the money came from Social Security and those funds are not applicable to collection or confiscation. We then requested to speak to the Supervisor. Her name is XXXX in the collections department. She informed us that the money would be sent back to Social Security of which should had taken place in the 1st place. All this communication took place on the XX/XX/2018. Furthermore I would like to add that neither myself or my wife are working and are in severe mourning and grief along with being severely financially strained. Well after 3 weeks we wondered where the funds were so we contacted Social Security and they stated that no money was returned. We were livid. So we then contacted the Key Bank organization.Specifically XXXX. She informed us that there was a technical issue and that was the reason for the money being witheld. To this date we still do not have our Social Security funds. Key bank did this purposefully.
I took out this loan in XX/XX/XXXX for {$20000.00}. I have been paying the monthly amount of {$190.00}, with only {$61.00} per month going towards the principal. 

As of XX/XX/XXXX, the balance is approximately {$16000.00}. At this rate, it will take me another 12 years to pay this loan in full and at the end of the 20 years, I will have paid {$46000.00}. 

They have applied {$960.00} in late fees to the outstanding balance because I fell behind when I lost my job. I caught the loan up as soon as I was able to do so and have been current ever since. 

I am concerned that this is a " predatory loan ''. 

I look forward to hearing back about this loan in the near future. 

Thanks.
Since XXXX XXXX, 2017 I have been trying to get XXXX XXXX to remove more than {$1500.00} of disputed charges from my account. Earlier in XX/XX/XXXX, JCPenney refunded {$1200.00} in charges for items I never received but still refuses to accept returns of merchandise and credit the remaining balance. XXXX XXXX continues to claim they " are investigating ''. I have repeatedly ( FIVE separate times ) informed XXXX XXXX that my ENTIRE BALANCE is in dispute which should mean that interest is not being calculated on the disputed balance and that payments are not required on the disputed balance. However, since I opened this dispute, my account has been assessed late charges and interest charges and I have been hounded incessantly, as if my account were past due. I have received collection e-mails, phone calls, and the online status on my account shows " past due ''. To top it all off, on XXXX XXXX, 2017, they reported to the three major reporting agencies that my payment is 30+ days past due. I have excellent credit and am greatly frustrated and angered by these inappropriate collection activities. Additionally, this inaccurate reporting is adversely affecting my ability to obtain additional credit.
This company calls frequently but does not leave any messages. I have blocked these numbers but they continue to call back using other phone numbers.
XXXX XXXX XXXX is listing 2 separate accounts as in an open status. They are both from the same creditor XXXX XXXX. They are both paid collections and should be listed as a closed status.
I signed up for the {$1.00} trial of Experian Credit monitoring membership. I did not cancel my subscription in time and they began charging me {$29.00} per month. My fault for not canceling, but I never authorized the additional charges. To make matters worse, they make it basically impossible to cancel service. I have called them 4 times, each time holding from 1 1/2 to 2 1/2 hours and they continue charging me. 
This company is a complete SCAM.
Property surrendered to CitiMortgage in chapter XXXX bankruptcy in XX/XX/XXXX. A different entity attempted to foreclose in XX/XX/XXXX which suit was voluntarily dismissed in XX/XX/XXXX. In XX/XX/XXXX, CitiMortgage claimed it purchased the discharged debt. Between XX/XX/XXXX through XX/XX/XXXX, Citi declined numerous generous offers for short sales and deeds-in-lieu. We then sued Citi for illegal debt collection of the discharged debt and settled the case in XX/XX/XXXX, in part turning over possession and control of the subject property to Citi, which they accepted, in exchange for our promise not to contest an imminent foreclosure. CitiMortgage has declined to foreclose or maintain the property, or to release the lien to prevent blight, and it has now become an eyesore and danger with rotted steps and porch, no air conditioning or water service for at least 7 years ( in Florida ), has dangerous tree growth, etc. The homeless have found shelter underneath the house. The liability to us for injuries is great as the property is still titled in our name despite delivering possession and control to CitiMortgage. The property lies in the middle of a historic business district with intermingled residences and use to be a beautiful landmark - it draws many 'lookers ' onto its expansive and now dangerous porch. Citi is now again beginning its barage of letters to us wanting our financial information for loss mitigation even though we have no personal liability on the loan and have turned over possession and control - including all keys. Citi agreed, in part, to close the account except as required to foreclose. We have complied with all our legal obligations under the bankruptcy code and the lawsuit settlement, and Citi has declined to foreclose. For 7 years Citi has denied us our fresh start, denied the City of a blight free property and denied all willing buyers of the opportunity to occupy and maintain the property which would preserve the historic nature of this community.
On XX/XX/2018 Equifax removed XXXX XXXX XXXX XXXX ( " a good standing account '' ) from my consumer file in which it was not part of my dispute.
I am writing with a formal complaint regarding the servicer of my federal student loans, FedLoan Servicing. I have been consistently appalled at the unprofessional and negligent business practices of this company. My main issues can be summarized in  XXXX  points  : 1 )  Processing times for ANY request, including requests that must be made  annually ( re newal of an income-based repayment plan, for example ) routinely ta ke 2-3 m onths, during which time all payments are placed on hold. For borrowers who are working towa rd Public Service Loan Forgiveness ( PSLF ), the se are huge delays in ultimately seeking loan forgiveness. Furthermore, it has been reported that the first batch of borrowers seeking loan forgiveness under the PSLF program have been denied because they have not mad e 10 cons ecutive years of payments. Given annual payment interruptions of  2-3 m onths with FedLoan Servicing, it would be impossible for anyone to qualify for loan forgivenes s. 2 ) a ny issues with the account are not communicated to the borrower. For example, when I submitted a request to renew income-based repayment, my request was denied because my employer verification was not updated, but no one from FedLoan Servicing contacted me with this issue. I assumed the request was taking the standard 2-3 months to process. After calling to follow-up, I was told that my employer verification needed to be updated. On an on ... I literally have to call the company for weekly updates to be sure things are being processed as expected because FedLoan has not once reached out to let me know there is an issue. Frankly, it is criminal that this is the only servicer that can handle PSLF loans. I do n't know who they paid for that privilege, but their customer service is atrocious. If they did not have a monopoly on these loans, borrowers would certainly leave. They should be held accountable by SOMEONE.
XX/XX/XXXX my son purchased a car from XXXX in XXXX XXXX TN. He signed the papers, paid a {$200.00} down payment, and they gave him the keys. On XX/XX/XXXX they called and said they needed additional paperwork. They wanted cancelled checks off his employers account. He told them that he would try to get this but that he didn't know if he could. He talked to his employer and was told they would get them ad soon as they could, but it took time. The car lot continued to call daily for these papers. We had given them proof of income in the form of paystubs and they said that was good when he signed the contract. They never gave him copies of the contract and we had to call and argue to even find out who financed him. They say he was financed by XXXX XXXX XXXX. Finally, after not being able to satisfy their needs for proof of income, he returned his car. Upon returning the car they refused to give him his down payment back or copies of the papers he signed.
I recently tried to sell my car at XXXX in XXXX. The car loan has been paid off for several months, maybe even a year ( I ca n't remember the exact date when I paid it off ). The car was originally purchased in XXXX & the title is from XXXX. The car is currently registered in XXXX & when XXXX looked it up in the dmv system they said it still shows that the car is owned by Nissan and that they needed a notarized letter from Nissan stating that the car was paid off. When I contacted XXXX finance and asked for a notarized letter they stated that they do n't handle lien releases and that I would have to file the request through XXXX. I did exactly as I was told and after paying {$45.00} for an expedited request, I received the lien release almost 2 weeks later. The actual document is not notarized and therefore not accepted by XXXX. It looks like something I could have produced on my home computer. During my 2 week wait for this lien release I contacted Nissan again because the request was taking too long. They said they would send me a letter but it would not be notarized. At this point I am running out of options. I ca n't sell the car because Nissan is n't willing to provide a notarized letter. The car legally belongs to me, after all it 's been paid off for a while. I do n't know what else to do but this is costing me too much time and money.
XXXX and XXXX have reported that there was an address change that is not true. I have never visited, lived in or know anyone in XXXX, ca.
I receive letters from ditech finacial llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. The letter say this communication is from a debt collector. It is an attempt to collect debt. I do not have any debt, I do not call their number, because they gon na make me crazy calling me. I want this company stop sending me letters.