WillisBack/dataset-financial-user-claim huggingface dataset:
Barclaycardusa filed a fraudulent court document on XX/XX/XXXX and a voluntary dismissal on XX/XX/XXXX/ I believe the fraudulent documents were filed so Barclaycardusa could avoid responding to my complaints to the Consumer Financial Protection Bureau during this period. I was offered a {$2900.00} settlement in XXXX XXXXby XXXX XXXX but Barclaycard refused to honor it and then demanded over {$7900.00} to be paid within 5 days of this fraudulently filed document on XX/XX/XXXX. Is this some kind of unfair and deceptive trade practice or yet unfair debt collection practice? 
I was never served with this court action as Barclay sent it to an address where I do not reside nor the address on my Barclay card account. Also, Barclaycard stated I was delinquent for payments due in XXXX, XXXX and XX/XX/XXXX -- dates which have not yet arrived. Moreover, I am reporting unfair debt collection practices. 

I am reporting unfair debt collection practices as I was in email negotiations with a papralegal named XXXX XXXX and then this occurred during these negotiations. 

To defame my character is this fashion is actionable. I was making payments. I even had an agreement to make certain payments less than the minimum but the court document sought to shame me for less than full payments. 

I beleive Barclaycardusa lied to the Consumer Financial Protection Bureau to keep from responding to my complaints and their inquiries due to the excuse that this matter was in litigation when it was already dismissed. 

It is a shameful practice that Barclaycardusa used against me.
Global Radius Solutions, call me and advised that the number they had was XXXXne that was provided to them which is untrue, the number provided is not even on my XXXX account or any place else. The loan they are stating that I owe is still on my XXXX account and from XXXX XXXX which is now closed. They contacted me on XX/XX/2018 under complaint # XXXX and today and advised them for the second time not to contact. 
She complied but i'm pretty sure they will try again.
I located in XXXX, Texas. I have a installment loan with Atlas Credit in XXXX, Texas. On XX/XX/2019. A someone was sent to my job from Atlas Credit to ask me for a payment because I behind on my payments. Harrassing me as well.
Property Address : XXXX XXXX XXXX. 
XXXX, NC XXXX Pursuant to : 1. a : RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), b : TILA 15 USC 1641 ( f ) ( 2 ). 
c : TILA 15 USC 1641 ( g ) ( 1 ) a-e d : Saving Homes Act 2009 XXXX 2. All Insurance policies associated with the subject mortgage and any TRUSTS, including but not limited to REMIC Trusts. 
3. ID Theft notifications. 
4. Explanation for refused rate change : Explanation for failure to reduce rate 60 days XXXX rate XX/XX/XXXX thru XX/XX/XXXX. 
5. Explanation for contract failure ( s ). 
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired. 
7. Copies ( front & back of document ) a : Mortgage Note. b : Deed of Trust. 
8. Copies of Form XXXX, XXXX and Appraisal. 
9. Copies of ALL BPO, Appraisals and valuations. 
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until XX/XX/XXXX.
I have called to get help with getting my payment cought up i do not want to lose my home an all i keep getting is that thay can not see my email or the documents i send an i keep getting farther behind an its almost to the point where i thank thay are not going to help. I want to keep my home and get everything cought up i was haven hard time makein the payments when i got behind. Thay are sayin that all the papers i sent thay only keep for 30 days. At one point thay said i had everything thay needed an now thay dont have anything.
I have been made aware that a computer glitch in the summer of XX/XX/XXXX and early XX/XX/XXXX deleted inquiries in the month of XXXX. Once the glitch was realized Transunion added them back to my report., I am aware of my legal rights and it is illegal for an item to be added back to my report after being deleted with out written notification 5 days prior to it appearing. On XX/XX/XXXX at XXXX XXXX eastern time i spoke with a representative at Transunion by the name of XXXX XXXX at telephone XXXX. I contacted Transunion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquries add a hardship and my rights were violated by Transunion. Please have all of my Transunion inquiries deleted permanently from my report as a violation took place when they were illegally added back with out any notification. Inquiries to be deleted are the following : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX-2017 I was notified by my credit monitoring service that my credit score had dropped. I checked my credit report and found that a company called XXXX XXXX XXXX XXXX XXXX Has posted to all three credit monitoring companies of a deragatory nature about a debt they are trying to collect. 

I have received no written, telephonic, electronic or oral communications in regards to their efforts to collect a debt from me. Furthermore I have found that the original creditor sold the debt to this company. I emailed the company and informed of all of this information and have asked them to close the account ( since they bought the debt, it has been paid and I am no longer obligated to pay it to the original creditor. Original creditor has since written off debt on their taxes. ) and I have not been contacted by the company. 

I have sent in dispute letters to all three credit bureaus explaining the situation and requesting the information new removed from my credit reports.
I have begun receiving at least XXXX to 3 calls per day from Diversified Consultants , Inc . They are very rude and claim they are contacting me regarding a bill I owe to XXXX XXXX XXXX. 

I do not owe XXXX XXXX XXXX and do not want to continue to be harassed by this organization and want them to stop. Today I received a letter via the mail claiming I owe a balance of {$550.00}. 

Please make them stop calling and mailing me. Thank you in advance.
A problem happened with the allotment I had set up and it stopped, so I got behind in payments. They agreed to refinance so that I could get current but for the past XXXX years all the payments I have made have gone only to the interest. And they told me today that I am XXXX dollars behind and the total balance is XXXX. The total original amount was XXXX. When I requested a copy of my loan documents they refused to send them. When I tried to access the documents through their website the site only comes up with an error message and directs you to contact Pioneer via phone or email.
I went to XXXX XXXX XXXX and requested my 3 free annual credit reports. XXXX and XXXX allowed me to see my 2 free annual credit reports, print them and save them in PDF format after asking me security questions that were easy for me to answer. 

My complaint is with Equifax. Their questions made no sense at all and I selected None Of The Above for all of the answers. Either they do not want me to get my free report online or they have some really bad information in their computers. I want the CFPB and Congress to require Equifax to make their online request process simpler and easier like XXXX and XXXX. I really wish our federal government would take over these three companies and secure the information on their computers because none of them can be trusted based on the fraud that has been committed against these companies over the years. At least with the federal government we could have the NSA computer programmers making our credit information secure from foreign governments and hackers.
I used a couple of times the world wallet services from Citibank but the last two times it has not being timely. Citibank claims that if you place the order before XXXX XXXX you get the foreign currency deliver the next day. Well, that is not true! I ordered some XXXX XXXX on Thursday XX/XX/XXXX and as of Monday XX/XX/XXXX at XXXX XXXX I have been able to obtain them. I went to the receiving branch in XXXX, XXXX on Friday XX/XX/XXXX around XXXX XXXX EST and the teller helping me, XXXX XXXX, mentioned that Corporate services told her that my name was too common and they had to do additional checks ( which I do not understand as I am a customer and they confirmed my identity through some questions ). She suggested to cancel the order and re-order so that I can changed the receiving branch as I was not going to be able to visit the XXXX branch the following week. So I did. She mentioned that even though the order was being placed after XXXX XX/XX/XXXX I was going to be able to receive my order on Monday XX/XX/XXXX after XXXX PM. Today I went to the new receiving branch at XXXX XXXX and they said that they had not received anything and that they will most probably receive it tomorrow as the order was placed on Friday after XXXX PM. At this point I am not quite sure if I will get the XXXX XXXX tomorrow and I will be traveling for business purposes on Wednesday. Last time I ordered I took Citibank two days to provide the currency. Their marketing does not seems to be real. I am very frustrated as I have been wasting time going to the branches and going through solutions that do not seem to work yet. They mentioned to call before going to the branch but in the XXXX branches I had to visit I called but they never answered. Citibank does not seem to care about customer service at least based on my experiences with this bank.
HAD AN ACCOUNT WITH BB & T BANK, ALL WAS FINE UNTIL I HAD A LITTLE ISSUE WITH SOME TRANSACTIONS THAT WERE BOTH CHARGED TO MY BB & T ACCOUNT AND MY CREDIT CARD FROM AN ALTERNATE BANK BECAUSE I WAS TOLD IT GOT DECLINED AT BB & T.

1 ) CALLED TO DISPUTE THE CHARGES -- TOLD TO SEND IN SUPPORTING DOCUMENTS ALMOST 2 MONTHS AGO. SENT THEM THE DAY REQUESTED BY RESPONDING TO E-MAIL FROM THE DEPARTMENT.

2 ) CALL IN MULTIPLE TIMES TO FOLLOW UP, NEXT THING IS MY ONLINE BANKING GETS TERMINATED BY BB & T, I GET CHARGED OVER 1500 IN FEES TO MY ACCOUNTS WHEN I CAN NOT ACCESS THEM AND I WAS OUT XXXX. 

3 ) CALL AND VISIT BRANCHES MULTIPLE TIMES TO SEE THAT MY ACCOUNTS ARE ACCRUING FEES AND I CANT GET A RESOLUTION. 

4 ) A MONTH LATER I GET SOMEONE WHO '' PLACED BLOCK ON ACCOUNT '' WHO SAYS ALL CLAIMS DENIED FOR NOT SENDING DOCUMENTS IN. NO ONE TOLD ME SHE DIDNT INPUT. I SENT THE DAY REQUESTED. TOLD ME TO WAIT ANOTHER MONTH TO GET CREDIT SHELL RESUBMIT AS I SHOWED HER PROOF E-MAIL WAS SENT A MONTH AGO. 

5 ) RELUCTANTLY CREDITS ME ALL CHARGES AND FEE 'S. AT THIS TIME WHEN I GOT THE CREDIT THEY BLOCK ALL MY ACCOUNTS BECAUSE THEY WANT TO STALL FEE 'S AND CREDITS AND KEEP XXXX IN OVERDRAFT AND SINCE THEY DENIED CLAIM WRONG THEY WILL GET BILLED AND DO NOT WANT TO CREDIT ME. 
6 ) LIED TO TOLD THEY WOULD GIVE ME MY MONEY AND FIX AND UBLOCK. 

7 ) THEY KEEP RUNNING ME AROUND FROM DEPARTMENT TO DEPARTENT AND IT ALL LEADS BACK TO ONE PERSON IN CHARGEBACK DEPT WHO CLAIMS SHE REFUNDED ETC. ITS A SCAM.. 

THEY ARE STEALING MY MONEY AND WASTING TIME. THEY ARE CROOKS. TOLD ME NOW XXXX   TRANSFER IS UNDER INVESTIGATION AND CANT RLS HOLD. MY FIANCE SENT ALL MONIES CLEARED BY HER BANK ... I CALLED XXXX WHO SAID NO ISSUES, AND THEY ARE SAYING NOW THEY NEED ANOTHER MONTH ... THEY CAN CALL / AND IT WAS NOT AN ISSUE TILL I GOT THE CREDITS. 

WORST CUSTOMER SERVICE IN WORLD. FALSE STORIES ALLIGATIONS ... THIS SHOULD BE ILLEGAL. 

PLEASE HAVE SOMEONE CALL ME ASAP.
I looked at my credit report and i learned that MIDLAND credit mgmt is currently reporting XXXX accounts on my credit file as revolving accounts as charged off. I have no knowledge of these debts. I was never given the right to dispute these items either. Midland is a collection agency and is not allowed to report accounts as revolving on my credit file. I have no knowledge of these debts. they should provide some kind of proof that these debts in fact belong to me account # XXXX
Capital one gave an account to XXXX XXXX XXXX and they sued me and sent the information to my job by court orders and they are ganishing my account after me disputing this years ago, I was not notify it went straight to my employer for wages garnish
A guy by the name of XXXX XXXX called my job from number XXXX early XX/XX/XXXX and advised that their client was XXXX XXXX  and he was calling to collect a debt of XXXX on their behalf. He advised me if I didn't pay that day, that he papers would be served at my job and they would take me into custody. I asked him to send documentation, he advised that he sent it to my address, I never received it. I told him I only have XXXX dollars, I gave him my debt card number and withdrawed XXXX from my account XX/XX/XXXX. He advised there was a XXXX dollar processing fee. I told him I would try to pay XXXX on saturday. He said ok. He never sent a confirmation email or number for the XXXX payment. The following Monday, he called my job again. He said I didn't receive your payment on Saturday. I said I didn't have it and I have to pay my rent. He yelled at me and said " I would take your rent from your landlord hand and he said I see you paid for gas this morning, so he was looking into my account without my permisson. He said, your on a recorded line. This is a legal matter and you should be in custody. I was very intimated by his tone so I complied paid {$400.00} on XX/XX/XXXX and told him I would try to have the rest owed Saturday. Again, I never received any legal documentation or confirmation number of payment. So, I used my money I saved for rent and paid him on XX/XX/XXXX {$2500.00}. Again never received confirmation number or legal documents.At this point, I believed I was paid up. He Called that following Monday, said I owed {$1500.00} more dollars. At this point was I realized something wasn't right. I was now 3 months behind in rent scared half the death of getting arrested and now evicted. I ignored his calls. he proceed to take {$150.00} on XX/XX/XXXX without my authorization and again {$98.00} on XX/XX/XXXX without authorization. He called my place of employment again, and I advised him. I have no more money and that he caused me to get evicted and that I never received legal documents or confirmation number for my payments. I also told him that XXXX XXXX did not hire them. He told me I was liar said he would closed my account and hung up on me. I tried to dispute the charges on my account with XXXX but they denied and advised it wasn't under regulation E billing error. So now I am out of {$3200.00} and facing eviction. And I still have an outstanding balance with XXXX XXXX.
On  XXXX   XXXX  I noticed that the money that should be available I my card.com prepaid card was not, went to my tablet, logged on and noticed a whole bunch of charges that were not made by me. I immediately cancelled my card, and submitted a dispute for the charges I did n't make. The charges totaled up at {$530.00} and being a single mom, I can not afford to take a loss that substantial. After waiting a month to hear back from card.com, they not only did n't give me my money back for the unauthorized charges, they re-charged me for  one  of those unauthorized charges. I was sooooo angry, so I started calling the merchants to try to fix my problem from their end and much to my surprise EVERY  one  of those merchants told me that they had already refunded the claim and that I should call my card company. Well I did and not only did they avoid the questions of where is the money now? If you submitted a charge back to the merchant and then was refunded by the merchants, but was n't given to me, whom it belongs to ... where is my money now? The supervisor hung up on me. And now when I call, I ca n't get a live person on the phone. I enter the info they tell me to enter I my touch pad and the automated system sends me in circles until it hangs up on me. Help ... I ca n't believe I was robbed and  XXXX  is n't standing behind their word of taking care of me ... I REALLY needed that money and they are screwing me out of it.
A representative ( XXXX XXXX ) of my mortgage Company ( Wells Fargo ) took upon herself to deposit money into my mortgage account on XXXX/XXXX/XXXX without discussing anything with me ) as part of a presumptive close to an ongoing situation regarding the reporting of my mortgage to credit bureaus. She actually stated, " I 'm making a $??? adjustment to your principal balance to make this go away. '' When I informed her that there was still an outstanding offer on the table from the representative that reports to her, she stated that she would look into the existing offer and get back to me the following week. On XXXX/XXXX/XXXX without any notification from anyone at Wells Fargo, $??? was removed ( debited ) from my mortgage account. There was never a discussion of the credit nor debit of my mortgage account in the amount of $??? before the transactions were done. The $???? adjustment was a separate discussion from the initial offer as an attempt to resolve this issue. Wells Fargo should have never withdrawn monies from my account with discussing with me in advance. Wells Fargo presumed that depositing monies into my mortgage account thereby reducing my principal mortgage would " hush me up '' and make me " go away ''. It is very disappointing to see big banks push their customers around when the customers actually discover the bank 's mistakes on more than XXXX occasion.
On XX/XX/2015 XXXX XXXX XXXX force closed my checking and reported to EWS that they closed my account for transacting in an improper manner which is untrue. My EWS report has a XXXX balance but it 's stopping me from opening an account being that I ca n't get it removed by EWS.
XXXX XXXX from XXXX called and stated that my check did not go through. I told him that I apologized and that this bill is not the only XXXX. I had XXXX other checks not go through but the money was there. I do n't not carry my debit card on me.. I told him that I was going to call the bank and see what is happening. He said exuse me. Phone line then got disconnect. Meanwhile he is calling me while I am at work. He called XXXX times demanding to speak to my boss. He wanted his phone number and demanded that he speakes with him. My coworker stated that I was unavailable and that he need not to be calling a business and clogging up phone lines.He then called my dad stating that he was going to have me arrested for writing a bad check. and I had till XXXX to get back to him.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 to WORLD FINANCE CORPORATION and all e credit bureaus. It is now XX/XX/2018. I sent the WORLD FINANCE CORPORATION and all the credit bureaus a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
I am on the phone with a representative and he issued a new card and reported a fraudulent charge. As I'm attempting to make the payment which is due on XX/XX/2018 so today I noticed a {$39.00} late fee charge. I asked the representative why is there a late fee when today is the due date. Even if they are going by eastern standard time since it is XXXX XXXX. my time it isn't even the next day eastern standard time. Therefore how am I being charged a late fee on the same day the payment is due. He said that is a good question and wasn't able to explain. I believe the reason for the charge is harassment from the bank. I would like Capital One investigated for such.

Thank you, XXXX
I walked into Bank of America on XX/XX/2018 and requested that my bank account be closed because of two fraudulent charges that occurred on my account previously. Bank of America had credited my account on XX/XX/2018 a total of {$190.00} which is the money that was stolen from me before XX/XX/2018. But what doesn't make sense is the fact that Bank of America sent {$190.00} to a closed account. I spoke with XXXX XXXX ( Relationship Manager ) at the XXXX XXXX XXXX. XXXX TX XXXX Bank of America location. He assured me I would be receiving a check in the mail from Bank of America in the  total amount of money that was lingering in my supposed closed account. Then on XX/XX/2018 I called Bank of America to ask when should I be receiving my money from them because as of today ( XX/XX/2018 ) I still have not received one red XXXX from them. The representative on the phone told me that according to Bank of America Records she does not see a closing date for my account but assured me she could see the money in the account. It should not take almost 2 months to close an account! All I want is the money I work hard for back to me ASAP. I have been patient with Bank of America but because they are holding this money I am falling behind on my expenses that need to be taken care of month to month. Please help me get what is rightfully mine.
I ended up having an oversight on my due date for my citi card as I thought the payment was already scheduled. when I logged in to ctii credit card online portal two days after ( XX/XX/XXXX ) the fact of the payment due date ( XX/XX/XXXX ) I noticed that no payment was posted. I reviewed the history and immediately scheduled payment for that day ( XX/XX/XXXX ). The system had not assessed any late fees and once the payment was scheduled the system credited my balance immediately. I logged in today ( XX/XX/XXXX ) to see some other details and long and behold citi had assessed me a late fee the same day I posted payment ( XX/XX/XXXX ). Usually all my credit cards including the others I have with citi will assessed a late fee on late payments the following date after the missed due date. Citi did not assess the late fee only after I myself reminded their system that I was late by scheduling payment through their portal. In other words if I would have made payment using a third party the system would have not triggered to assess late fee two days after the fact of payment being late. i contacted XXXX from citi chat system and she kind of understood. She explained that she tried submitting a waiver and that Citi denied it. I told her it was not correct because even after i tried to correct the issue I still get penalized by citi, citi dropped the ball the day after the missed due date, now they 're trying to penalize me bc I tried correcting my oversight.
a company called portfolio recovery has been calling my number virtually every day since 2006 if not longer. My son has asked them to stop calling and I have done the same. When my son warned them of the laws, the calls stopped for a few weeks then began again.
EXPERIAN WILL NOT GIVE ME MY REPORT ON LINE I NEED IT ASAP
Student loans being reported by XXXX XXXX, Navient, XXXX XXXX XXXX and XXXX. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 

I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.