WillisBack/dataset-financial-user-claim huggingface dataset:
Allied Interstate ( a debt collector ) is calling 10-15 times per day to collect on a debt I owe for XXXX XXXX. I admit I owe the debt and have offered to pay $ XXXX/mo which they refused. They are calling my cell phone, my husbands cell phone, my work phone, and my home phone. I have asked them to stop calling and sent a cease and desist letter, but the calls continue. The rare times I answer, I get no response. These calls are 7 days/week and non-stop. I can not receive these types of calls especially at work and they are putting my job in jeopardy In the last four days I have received 48 phone calls. Again offered to make the $ XXXX/mo payments and they refused stating that was n't good enough. Please make them stop calling
I called XXXX XXXX Bank approximately 2 weeks ago ( the week of XX/XX/XXXX ) to request a new debit card because my card had expired in XXXX and I had yet to received a new one. The representative said he would send out a new card and did not mention any issues with my account. A few days later, I logged in online and linked the Schwab account with another on my bank accounts and we through the process of the trial deposit verifications. 
This week I got the debit card in the mail and when I tried to call to activate it, I was told that my account was closed by Schwab, without notice, because I had no activity in 6 months. I explained that I only use this card when I travel abroad and that I had just called in two weeks ago and logged into my account, so there was activity. I also said that I needed this to be resolved ASAP as I was going abroad in a week and needed access to my account before then. After speaking to another representative who said she would look into it, call me back, and then never did. I reached out again and spoke to a supervisor, XXXX, who said he would look into it an call me back. 
XXXX called back and left a message saying that it is in their terms of service that they can cancel anyone 's account without notice and, even though the rep I spoke to two weeks ago said everything was fine, if I wanted a new account I  would have to go through the application process again ( and have another inquiry on my credit report ) for an account that should have never been closed in the first place. I find it hard to believe that a bank can close a person 's account without any notice, especially when I was just on the phone with them 2 weeks before and everything was fine. I would like this to be resolved by my account being re-opened without an additional inquiry on my credit report.
I submitted a payment on my XXXX store card in advance via XXXX store app. Once I realize that the payment pending on my bank account I contact XXXX Customer service to have the pending payment cancelled or edit the payment to another future date because I didnt have enough money to cover the payment until next pay period. I mixed up the Pay date when submitted the payment. 
I was placed on hold over twenty minutes, transfer to CS in the XXXX, lyed to & the payment was submitted 3x even though I tried to resolve this payment issues before the payment process, after the 1st and 2nd payment processed. Customer service finally informed me that once I submitted a payment via XXXX app, in small print, it pre-authorizes XXXX to re-submit a payment 3x. I had never had a return via XXXX  app so I was not aware of this pre-authorization in which over drawn my bank account for {$100.00} and charged me a {$35.00} late fee on my XXXX store card. 
The total fees are too excessive for 1 return payment. My credit card had a positive balance before this mistake.
I, XXXX XXXX, ( the " Borrower '' ) am the innocent victim of foreclosure fraud perpetrated by BANK AMERICA, N.A. ( the " Lender '' ). Lender is located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, ATTN : XXXX XXXX XXXX, CEO, tel. ( XXXX ). Borrower 's Home Equity Line of Credit ( HELOC ) Account No. is XXXX. Borrower 's Bank America, N.A. 's Checking Account No. is XXXX XXXX XXXX. 

According to the terms of Borrower 's HELOC contract with Lender ( successor to XXXX XXXX ) dated and commenced on XX/XX/XXXX, funds to pay for the monthly Periodic Finance Charge ( interest and interest only ) as stipulated by the Automatic Payment Authorization provision in the HELOC contract are to be debited monthly. 

This above-referenced debiting from Borrower 's checking account occurred successfully and faultlessly from the HELOC loan 's inception until XX/XX/XXXX, a period of almost eight ( 8 ) years, when the Lender put Borrower 's HELOC loan into " default '' status claiming there were insufficient funds in his checking account to pay for that month 's Periodic Finance Charge. On the contrary, Borrower has endorsed Bank America, N.A. deposit slip proof indicating the funds in cash were in Borrower 's checking account per the terms of the HELOC contract each and every month through the present date. Lender commenced a fraudulent foreclosure action upon the Borrower without ever providing a truthful and valid reason as to the cause as to why and how there could be insufficient funds in Borrower 's checking account. 

The Lender never truthfully nor timely nor completely responded to Borrower 's multiple verbal as well as written requests to answer the reason for the insufficient funds. After several years, the Borrower ascertained that the Lender illegally and fraudulently debited the Borrower 's checking account to pay a Lender-Placed Flood Policy premium in XX/XX/XXXX. The Lender never complained before this XX/XX/XXXX date, an approximate eight ( 8 ) year period, that the Borrower was ever not compliant with his flood policy coverage per the terms .of the HELOC contract.Instead, the Lender illicitly debited the Borrower 's checking account.
I sent a letter to Diversified Consultants Inc on  X/XX/2017 requesting that they validate NOT verify a debt that they are attempting to collect from me in the amount of {$340.00}. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement which does not prove that I am obligated to pay them anything.They have reported delinquent information to the credit bureaus that I am asking to be deleted.
I went to apply for a home loan and was turned down because of a judgment on my credit report from all XXXX agencies from an apartment complex that is not mine. I have been residing in a home for the past 7 years and this judgment is from 2012. I hired a law firm to do credit clean up six months ago and was assured this would be taken care of, however received a notice in the mail today from Equifax that their investigation concluded that this does belong to me. I am not sure what documentation could have been provided to confirm this but I have signed nothing to this matter at question therefore it must be some kind of fraud. I am having to put my home buying on hold until this is taken care of and I am pretty upset about that and very tempted to file some kind of lawsuit as this is not fair to me. Any assistance you can provide will be greatly appreciated. Thank you.
I went into bank to close account upon closing an account I made bank rep aware I had opened another account online. We worked to have payments and outstanding debits taken care of by the open account. A month and a half later the new account and my debit card were no longer active without prior notification to me. After the fact I received a later saying my account was closed due to insufficient funds on the account I went into the bank to close. After working with the original bank rep my account was reopened but no money was returned for those insufficient funds. Debit card also not restored and I have been a customer of this bank for over 20 years.
DBA of transaction says dr due to ATM/DEP error XX/XX/2017 amount {$20000.00} was adjusted out of my account.
I am getting notifications from Covergent about a collections account that does not belong to me. This is going to drop my credit score and ruin my chances of getting a mortgage. 

This isn't my account, how can they say I owe them if I never did anything with them?
I have disputed XXXX different accounts that are on my Credit Report which are included on my bankruptcy yet it returns with the " creditor states it is showing correctly ''. The creditors have been informed numerous times in writing by my attorney that the accounts are a part of my bankruptcy and need to be removed yet they are still showing on Equifax. Upon dispute, these same accounts were removed immediately from XXXX but Equifax still reports them.
When picking up the phone, an automated voice comes on " this is XXXX XXXX with Midwest recovery systems, please hold for the next available representative. '' Most of the time, the phone rings several times and then goes to an answering machine. When a representative does answer, they immediately ask for my name and then say there is a claim against me. They say I owe $ 700+ and I must pay by end of day or they're submitting a warrant and sending the local police to my location ( they gave an address I had out of state 5 years ago ). When I asked them to send me information regarding the debt they said - we did. I said I never received it and I have no knowledge of it, the lady 's response was - That's what they all say, pay today or you're going to jail. I told her I need to speak with my lawyer and she hung up on me. 

Upon call backs to this company, no one will state the name of the company. They immediately ask my name and won't give any other information. When making repeated call backs to attempt to get another representative, it is the same person EVERY time. 

The number they call from is XXXX
I have an account on my credit report with Equifax from XXXXXXXX XXXX  which is showing as a Charge-Off. I have paid this item and disputed this fact with Equifax on XX/XX/XXXX. The projected completion date was XX/XX/XXXX, and I still have not received an update on this, and it is still showing as Pending in their system ( screenshot attached ). I pulled my credit again today, and saw it still has not been changed, but states " This item is currently under investigation. '' This has been 'under investigation ' for two months! If they can not verify the information, they have a legal obligation to remove it from my credit report within 30 days of the dispute, which they have not done. 

Additionally, they are now PREVENTING me from making any further dispute, complaint or statement on this account. This affects my credit score and my ability to obtain credit. 

I want this item removed from my credit report. At the very least, it should be noted that it was paid in full.
My identity was stolen and immediately when i realized this i contacted the companies as well as the credit bureaus and reported this. the only thing i got from it was a 90 day freeze on my credit accounts. the accounts wasnt removed from my credit. I contacted the lenders as well as the credit bureaus
I was shocked when I reviewed my credit report and found late payment on the dates below, and different information among the 3 major credit bureaus. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Back in XX/XX/XXXX I was at XXXX XXXX trying to purchase a car. I completed a loan application and gave XXXX authorization to pull my credit report. I was not aware that XXXX without my consent submitted the application on XX/XX/XXXX to four other banks in hopes that one of them would approve my loan, and in the process each and every bank pulled my credit report causing me to have a hard hit inquiry and affecting my credit report negatively. To many inquiries equal negative credit rating and will stay in my report for two years. I reached out to Chase today, XX/XX/XXXX and was transferred to the Credit Bureau Unit and was told by XXXX that because XXXX sent the application electronically that their procedure is to do a credit check even though they did not have written consent from me to run a credit check. XXXX refused to give me any information so I can submit a written dispute and request a Letter of Deletion. Per XXXX Chase will not request to have the inquiry deleted.
On XXXX XXXX, 2016 I went in to XXXX XXXX XXXX because I was told that I could finance using my XXXX. I was approved by Capital One Auto Finance to finance a vehicle with a down payment of {$4500.00}. I paid my down payment on XXXX XXXX, 2016 ( {$2000.00} in cash and {$2500.00} on my credit card ) and received a receipt from XXXX XXXX XXXX. My first payment of {$410.00} was dues on XXXX XXXX, 2016 and I paid this on time. The vehicle was towed by Capital One Auto Finance and I received a letter from them on XXXX XXXX, 2016 which stated the vehicle was taken back, " because you broke promises in our agreement. '' I called Capital One Auto Finance to find out why exactly the vehicle was taken from me. They informed me that they could n't finance someone with an XXXX because it was against their policy. I asked how they could approve me to begin with and then accept not only my down payment but the first month 's payment as well. And on top of that, I asked how they approved me for a credit card through Capital One Bank ( at the time I banked with Capital One - I 've since closed my accounts ). They were unable to explain why. I asked when they were going to refund my down payment and first month 's payment and they stated they would n't. I expressed that if it is against their policy to finance people with XXXX then they should approve them in the first place and then take their money. I called Capital One Auto Finance 's fraud department and they also told me that they were not going to return my money to me.
XX/XX/XXXX I transitioned to a new job. My final paycheck from my previous employer was delayed and with several items due on XXXX/XXXX/16 including state taxes, I opted to cash a convenience check from XXXX XXXX XXXX/XXXX at Chase bank. The check was deposited on XXXX/XXXX/16 and returned by Chase on XXXX/XXXX/16. XXXX XXXX maintained that the check was cashed. Chase maintained that the check was returned. I have been stuck in the middle without the requested funds or a credit to my XXXX XXXX for two billing cycles. I have incurred interest charges and fees on monies posted to the credit card, incurred late fees on items including mortgage payment and have outstanding payments due ( including late fees ) on several outstanding items as I have tried diligently to resolve this. Additionally, I have spent HOURS on the phone and in the Chase branches on 3 occasions trying to find a solution. I have no idea how one would " compensate '' me or " make me whole '' from one of the most frustrating situations of my adult life.
On XXXX/XXXX/XXXX i checked my credit report and noticed that an account that was DELETED on XXXX/XXXX/XXXX was re added to my report. I WAS NOT NOTIFIED THAT THE INFORMATION WAS GOING TO BE RE ADDED TO MY REPORT After per Experian " when an item is deleted it is removed from your credit report and taken steps so it does not reappear ''. That is not the case!!! this account needs to be removed from my credit report ASAP. I have attached the copy of the letter received from Experian confirming that the account was deleted. My true credit report is not being shown. The account is XXXX XXXX XXXX act # XXXX! Also the account XXXX XXXX XXXX is a fraudulent account that i have advised multiple times does not belong to me and was open fraudulently. i also advised multiple times that the name XXXX XXXX does NOT belong to me! I demand this account & name be removed ASAP or legal action will follow!
Trans Union is reporting a bad address that I never lived at. The bad address that I never lived at is being reported on my credit file as the following information:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXXPlease Delete as I have never lived there and it is being reported since XX/XX/XXXX and my year born is XX/XX/XXXX which would have made me XXXX years old at the time.
Listing account as open, charged off by original debtor XXXX XXXX, last, last payment XXXX.
HI, today XX/XX/XXXX I wrote a complaint about XX/XX/XXXX I am looking forward to a response. I must continue to write because I know CFPB and I will get some results. My student loans belong to my children I am the cosigner. these loans were used at XXXX for XXXX my dau in XX/XX/XXXXand at XXXX in XX/XX/XXXX for my dau XXXX. There is a 3rd connected to me but disbursed to my nephew XXXX XXXX in XX/XX/XXXX for XXXX, I never ever agreed to or signed for the loan ; of course it was an esignature ; I am currently filing fraud charges on this loan. Here is another problem the loan for XXXX is in wage garnishment with a third party XXXX as of XX/XX/XXXX monthly in the amount of {$660.00}, but this loan is also included in a consolidation that I will repay starting XX/XX/XXXX monthly in the amount of XXXX, I think or in the area. I have talked to Navient and FAFSA they do n't help because they are unwilling. I sincerely await a response. Thank you for your!
Credit Score Disclosure XXXX Ref. # XXXX. 
XXXX/XXXX/XXXX Prepared by Raymond James Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TID # XXXX XXXX/XXXX/XXXX XXXX Prepared by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX I/we did not apply for a mortgage nor did we ask anyone to check our credit for a mortgage.
I have contacted Wells Fargo multiple times regarding this and have received multiple answers, each different. We were told at our closing that we would have to pay PMI on our loan until we reached a certain loan to value based on the outstanding balance and the current value of our home. We were never told that we had to wait a certain number of years and that the loan to value would be based on the value of our home at the time of closing, not it's current value. After all the improvements that we have done now count for nothing. Two years ago our home was appraised at {$240000.00} and taking that into consideration with our current balance of {$170000.00}, we are well below a loan to value of 76 %. I am filing a dispute against Wells Fargo and what I consider are deceptive business practices on their part and the part of the loan officer.
This complaint would be a follo0w up to two previous complaints # XXXX filed XX/XX/XXXX, and # XXXX, filed XX/XX/XXXX. 

On XX/XX/XXXX a stamped letter was sent to XXXX XXXX, Senior Vice President, Wealth Management, who would be the person who last responded to my concerns about the accounting of my fathers estate, requesting : 1. A copy of the revised XX/XX/XXXX XXXX tax document filed with the IRS in XX/XX/XXXX by Northern Trust. 

2. All correspondence and tax forms filed with the IRS on behalf of my fathers estate.

3. Copies of all legal invoices billed to, and paid for, by the estate after those received for XX/XX/XXXX. 

As their was no response to the stamped letter, a certified letter was sent XX/XX/XXXX to which there was also no response. 

My complaint would be that this information requested would be within my legal right to review, but XXXX XXXX did not respond to my request for this information.
Summary : XXXX denied my TEPSLF application based on a requirement of which I was never informed. 

XX/XX/XXXX : I apply for TEPSLF XX/XX/XXXX : I am informed via e-mail that I am being considered for TEPSLF. 

This is the last communication I receive until XX/XX/XXXX. I learned from the TEPSLF web page that anyone who applied in XXXX would be informed by XX/XX/XXXX. 

I was not informed of my status at all. 

On XX/XX/XXXX I e-mailed to inquire about the status of my application. 

On XX/XX/XXXX, after hearing absolutely nothing, I contacted XXXX by telephone. 

The poor young man I talked to, XXXX, had the misfortune of telling me that I had been rejected, because ONLY the payments I made since my XXXX loan consolidation counted toward TEPSLF. At no point in the process was I informed that consolidation played a factor here. I asked to speak to a manager, and was put on hold for a while, eventually transferred to XXXX. XXXX talked to me like a child, explaining again that none of the payments I made before XXXX would count. I interrupted her to say that the problem was that no one had informed me of this and that I wanted information on how to appeal. XXXX promised me that this information would be sent. 

Instead I received an automated e-mail almost immediately re-iterating my denial on the grounds that were never explained to me in the first place. 

Repeated e-mail requests for the appeal process procedures this week have led to nothing but being told I needed to call in. 

I have also filed a complaint with the Federal Student Loan Ombudsman Group. I  don't mind paying my loans. In fact, I'm paid ahead until XX/XX/XXXX, that's how fiscally responsible I am. But don't tell me you're going to reward my public service, then keep moving the goal posts and treat me like an infant when I stand up for myself.
On XX/XX/2018 around XXXX, I was trying to deposit a cash thru ATM machine BBandT branch in XXXX XXXX XXXX in Pennsylvania XXXX. However, my cash was eaten up by the Atm machine. I inserted XXXX US dollars, XXXX dollars each bill. When the money was inserted to the deposit slot, it appeared on the screen that this ATM machine is not available for deposit transaction now. My money was left inside and I tried to log on again and XXXX was not posted in my account. I called the customer 's service of BBand T that time and reported the incident. then the day after, XX/XX/XXXX, I contacted the bank manager and she told me she would file a dispute about this. Then on XX/XX/XXXX, I received a provisional credit of XXXX while investigation is ongoing. I received some paperworks and completed and signed them then submitted back to them by the bank manager. Then XX/XX/XXXX, I received a letter from Fraud and Dispute Center from BBand T bank informing me that they concluded that no error occurred in the ATM and they will reverse the provisional credit. I am wondering if they did any good inspection of the said ATM machine and checked all the cameras and transactions happened XX/XX/XXXX. They said in their final letter that transactions were checked XX/XX/XXXX, whereas my case happened XX/XX/XXXX.
A loan that I have for XXXX XXXX was transferred to Pinnacle Financial Group. I made a couple of payments via the web site provided. However, I never got a payment statement, a late payment notice or was shown a past due amount on the web site. So, I did not pay the note for a couple of months because I had know way of knowing if the web site was official, active or where my money was going. Needless to say, the principal amount was not being reduced by my payments. When someone finally made contact with me about my loan, I asked for a schedule to show how my payments were being applied because the principal remained the same. I found that even though this is a simple interest loan, my payments were being applied only to the interest with no principal reduction. This practice has continued as late as XX/XX/XXXX. It also happened on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I will never pay this car off at this rate and they have continued this unfair practice of not applying my payments to the principal and interest correctly or to schedule.