WillisBack/dataset-financial-user-claim huggingface dataset:
A company identifying themselves only as " Halstead Financial Services '', through robocalls from multiple numbers, listed below, with dates and times, is calling, and leave a message, transcript below. Attempts to contact them have been unsuccessful to date. 

The phone call is : " This message is solely intended. XXXX. NAME. If you are not. NAME. Please hang up now and disregard this message file number XXXX which was placed with Halston Financial Services has been escalated to our final review department due to a lack of a response from the required responded. XXXX full review of this file is being conducted by XXXX of our Loss Mitigation Specialist and a recommendation actions work line is a minute. In order for your personal statement to be included in this review press XXXX now to speak to the representative responsible for conducting this review or call XXXX XXXX XXXX XXXX immediately upon receipt of this message. Failure to respond will result in our recommendation being submitted to our client without your personal statement being included. " Dates, times, and phone XXXX - Flushing XXXX MI XXXX/XXXX/2015 XXXX - Flushing XXXX MI XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX - XXXX XXXX MI XXXX/XXXX/2015 XXXX
I submit a FTC report to Chexsystems about a dozens of inquiries and a bank account that was open in my name by the name of XXXX XXXX in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with Chexsystems and it was denied few times and I contacted XXXX XXXX and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... Chexsystems refused to dispute my item ( XXXX XXXX ) Debt amount XXXX
My credit card made a special zero % financing offer that I accepted & then they charged me interest every single month. I have called them 3 times & each time they have told me they are in the process of the resolving the issue & that I should see a statement credit soon. It 's been 6 months & I have not. They have also switched this card from being a XXXX to a XXXX. I am worried that this will get lost & never be resolved.
This is a complaint against XXXX XXXX XXXX XXXX XXXX. I am victim of identity theft, I have no idea what this is. This was opened without my authorization, using my identity. This account used my social security without my knowledge of authorization meaning its fraud.
On XX/XX/XXXX, the day before my paycheck was direct deposited, I received notice that an overdraft protection of {$300.00} was being transferred from my Regions savings to my checking account to protect me from being overdrawn. I knew I had a few XXXX dollars in the account and was not overdrawn. I looked immediately and noted two ATM charges ( first for {$100.00} and second for {$300.00} that had been posted the same exact day on my statement at two different banks -- listed at BRANCH BANKING XXXX # XXXX and XXXX XXXX XXXX ). 

I called the Regions line and spoke to a rep on XX/XX/XXXX. I still had my card and no one had authorized use of it. I was told by the rep that someone had likely cloned it and taped me using my PIN. I completed everything that was asked of me over the phone and completed the paperwork sent to me the next day. 

After ten days, I received notice that Regions was not crediting me back the money because I was still in possession of my card and no police report of stolen card had not been filed. I had been told by the rep Regions would handle the matter. I was not asked to report the card information stolen. I followed the instructions given to me by Regions and was told they would handle the matter. 

This is insane. I did not use my card. I have not even been to XXXX in months. I was at work from XXXX until XXXX XXXX on XX/XX/XXXX. I reported the card issue immediately. In addition, I had already placed a 90 day watch on my account due to several data breaches that had been reported. 

I watch my accounts. I am diligent about protecting my information. I have had this account for over 15 years. This has never happened and I do not feel I am being treated fairly or that the bank did due diligence in investigating the matter. Every bank has ATM cameras. They know when the transaction was made. It should be time stamped on the video. I was a victim of fraud and now I feel like the bank ripping off a long time customer just because they can. I would like to know what my options are and would appreciate any assistance you can provide. 

Sincerely, XXXX XXXX XXXX
Citi Bank stopped sending me paper statements without notification, which caused me to have two late payments which included late fees and interest. I have paid my bill current, have never been late before and paid in full every month. I have called customer service three times and we have come to the conclusion that, when you use the online site a box pops up with a check mark already in it. If you do n't remove the check mark, you have signed up for e-statements. I find this action very deceiving, if I wanted e-statements I would ask for it. I called after my first payment was late when I received a letter advising me. I was told I would now receive my statement in paper from Citi Bank. Citi Bank did not follow through, the following month the same thing happened and I had to make my second phone call to correct the same issue. Once again paid my bill in full over the phone, and requested my statement be sent to my home in paper form. Today, I received my past two statements as I look through them I wonder if interest and fees were credited. I make my third phone call, to find that Citi bank will only credit me one month of fees. I feel this practice causes consumers confusion, I just want to pay my bill. I do not want the banking instruction to solicit me whiling I 'm banking.
XX/XX/2017 Statement attached. I never signed up for Debt protection nor had I ever noticed being charged in varying amount ( XXXX dollars ) over the many years I have had it. 
They sent me a letter telling me that i could cancel it but could not get a refund because I had signed up for it. I never signed up for it. I never would sign up for such a thing. They offer no proof because it is simply not true and this seems to be a common occurrence. Best buy also runs you around saying its not them or citi bank. That it is a third party company which is all just a run around. 

This is stealing down to its core.
XXXX XXXX XXXX XXXX , XXXX is reporting a debt to Experian and other credit reporting companies that is false. They claim I owe rent to XXXX XXXX for renting a apartment from XXXX in XXXX XXXX Iowa. I did rent an apartment for a year lease from XX/XX/XXXX thru XX/XX/XXXX. I was transferred a few months later and worked with XXXX XXXX to sublease the apartment. I paid rent thru XXXX. The apartment was sublet XXXX for the remainder of the lease. When checking out I was told I owe no further monies because the apartment was sub-let. XXXX XXXX now claims I owe them a sum of money. They never contacted me. XXXX XXXX must have sold the supposed debt to XXXX XXXX XXXX XXXX , XXXX Who has reported this to Experian and other credit reporting companies. I 've called the corporate head quarters of XXXX XXXX to be told I have to work with XXXX XXXX. I 've made several attempts with XXXX XXXX to clear up the misunderstanding including sending them the attached Resident ledger and they refuse to remove the bogus claim. XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX.
On XX/XX/2018, I opened a checking account and a savings account at PNC Bank on XXXX XXXX. in XXXX XXXX section of XXXX, PA. I deposited 2 checks from my former employer drawn from their XXXX XXXX XXXX business account. My former employer is a nationwide company with more than 10, 000 employees. 

XXXX XXXX was the banking professional who open my accounts. I informed XXXX XXXX that I will need to have access to at least {$100.00} that day or I will need to explore other options. XXXX XXXX assured me that I would have access to at least {$100.00} by XXXX that night. At XXXX that night I did not have access to any funds that I deposited. Also, I did not have access to the online banking system as a result of not receiving adequate information regarding the " User ID Link ''. Which is a substitute for the Customer 's SS Number. 
The next morning, Thursday, XX/XX/XXXX, I contacted the Help Desk and I was informed of some special code to use which was not in my documents. I then called XXXX XXXX and he informed me that I had {$200.00} available in my checking account and {$200.00} available in my savings account. I verified this information by checking the online banking system. In that moment I attempted to pay my cell phone bill and the payment was declined. I then called the customer service were I was met with the worst customer service I've ever experienced. I was told that a hold was placed on my accounts. I informed them of the information the branch and the online banking was reporting. So in a matter of 15 minutes I went from having access to {$400.00} of the more than {$18000.00} I deposited to having access to {$0.00}. Also the hold time went from 5 to 7 days to now I will have access to my funds on XX/XX/XXXX after I informed the bank that I will be closing my account. The manner in which the access and holds were escalated appear to be retaliatory in nature.
Santander Bank is force placing insurance on my loan due to XXXX rules that should not apply to my property - they are wrongly treating my building like a giant apt complex instead of a small cooperative building. Numerous email and phone calls have gone unanswered - always need to talk to someone else who is never there. They have no force placed added insurance and will deduct cost from my escrow. They are stealing from me. Can you please help me get a satisfactory response from this dishonest lender? Will you please help revoke their banking charter, as they are clearly robbing consumers as a general practice.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX XXXX XXXX {$200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The  repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  {$200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
The FCRA Guidelines specifically states that it prohibits incomplete or inaccurate information from being reported on a consumers credit report. Doing so constitutes grounds for removal. The Law needs to be followed and enforced. I have wrote this company and faxed information on several occasions regarding these particular accounts listed in this letter. 
XXXX. XXXX XXXX XXXX : This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX. XXXX XXXX XXXX XXXX This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX. XXXX XXXX XXXX : This account is/ was in my ex-husbands names, but it is in my credit file therefore deeming it " '' inaccurate '' '' which constitutes grounds for removal. 
XXXX XXXX XXXX {$280.00} : A collection account can not be open or go into collections " inaccurate '', " incomplete ''. I have contacted the original creditor and they can not find any account of the sorts in their system. 
XXXX. XXXX XXXX, Opened XXXX : This account was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX XXXX : This account is a charge off or collection. A collection or charge off can not be an open account. A collection or charge off can not go into collection or charge off. A charge off and collection status it just that. It is reporting as an open past due account which is illegal under FCRA guidelines in turn deeming it as " incomplete and inaccurate '', which constitutes grounds for removal. 


FCRA states that if you have previously initiated a dispute or an investigation and do not receive a complete or satisfactory resolution that you may dispute again and the company must respond in XXXX days after receipt of the XXXX notice. This is their XXXX notice.
I am the victim of identity theft and became aware of that when my wife died in XXXX of XXXX. I filed the police report and I went to court when Banks claimed that maybe I used an alias. The process of this identity theft is ongoing and has not ceased even up till today. American Honda Finance loaned money for car back in XXXX and I found out about this at the end of XXXX. I told them back then that I was not in the country when that car was purchased. I provided proof of that to my attorney and they made that claim to XXXX along with the other things that did n't match my identity period American Honda Finance said that I did n't meet the burden and I 'm saying that they are lying and looking at information that did not come from me and they ca n't prove that I signed or was even in the country when that car was purchased. Please have them say what proof they have besides false documents and information that does n't match mine at all. 
The XXXX is aware that a license was obtained online fraudulently and they refused to give me a new license number because they did n't give it to the fraudulent person in person it was done online. And I have not lived in North Carolina since XXXX of XXXX XXXX years ago. My attorney submitted to American Honda Finance my social security card and my South Carolina license and yet those things are n't in the possession of American Honda Finance and yet they think they have a claim still. I asked very respectfully for them to prove to this entity what they think constitutes me being in two continents at once.
I noticed a late payment mark on my credit report for the month of XXXX 2014 for a payment to XXXX XXXX. I make all my payments on time, as my history will indicate. I believe that somehow my payment did not go through and a glitch caused the nonpayment. My next monthly payment did go through on XXXX XXXX, but it looks like the payment scheduled for XXXX XXXX was already reported as nonpayment. Even if it was an error, i would have expected a courtesy call from my bank, given my long and good history with them, which i did not receive.
Traded in a vehicle at a XXXX dealer, payoff was sent to them. Somewhere there must a HUGE lack of communication because they calls do n't stop. Each time there is a different person calling and claims they added a notation on the account however the next person who calls never sees it. No one knows anything except how to call and annoy people " wrongfully '' and threaten them with collection being reported to your credit.
I depositeda cashier 's check XXXX/XXXX/XXXX, at my account in Key Bank ; checked bank XXXX/XXXX/XXXX and teller said funds would be available in morning, XXXX/XXXX/XXXX. I received cashier 's check per XXXX XXXX mail received - letter is attached. I transferred 2 money grams to address assigned, after checking account for availability of funds. Each was {$930.00} and each cost was {$11.00} per transaction. I work 2 jobs and also received pay from 1job on Friday XXXX/XXXX/XXXX. I periodically checked account through the weekend and had over {$300.00} in my account. I checked account Monday XXXX/XXXX/XXXX and was over {$1900.00} negative. I called customer service at Key Bank at XXXX PM and was told it was just a hold on the check. I asked if I should put a hold on my account so no other funds would be withdrawn, but was assured by rep that balance would be over {$300.00} in morning. I called customer service today, Tuesday morning at XXXX and was told same, by XXXX it would fall off and balance would be positive. I checked at XXXX : and still negative. I called customer service and was told it was not valid, no funds available and to try reaching out to XXXX XXXX. I assured him that I had been trying. I went to the Key bank in XXXX and was given the # for fraud. I went home and called the fraud department and asked about reimbursement and how I could have carried out transaction if funds not available. I was told that they did not have anything to help but filed dispute. I do not want to see anyone else go through this but also feel the bank has to be responsible for misrepresentation. I am terrified as my direct deposits from work will continue to go toward a negative account that just continues to go in the negative. I ca n't pay bills, buy food or anything and I am really terrified.
Over the last 7 years I have paid American Education Services upwards of {$29000.00} [ proof attached ], and only {$6800.00} of that money has gone to the principal balance. On top of that, I've paid XXXX   upwards of {$22000.00} and my principal balance has only gone down by about {$2000.00}.

I have called American Education Services MANY times over the years. Just last night, they told me that they are just " servicing '' my loan. And that in order for me to speak with my lender - XXXX XXXX XXXX, I need to write the company a letter ... which American Education Services will send over on my behalf. AES refuses to connect me directly to XXXX XXXX XXXX to allow me to discuss the exorbitant amounts I'm paying -- which are not being applied properly. This feels like a complete scam. There's no reason why they shouldn't let me speak to XXXX XXXX XXXX  on my own.

This is an absolute injustice. I've been DROWNING for the last seven years and working so hard to pay off these loans, and I am seeing no movement. I'm hoping that the actions I continue to take will help bring to light how awful and abusive these companies are. It's completely unfair that these big companies can get away with overcharging young adults who are simply looking to improve their lives by attaining an education.
I received numerous threatening calls from Account Receivable Solutions, Money Recovery Nationwide and Allied collection Group demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1.  Money Recovery Nationwide- XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} 3. Allied Collection Group-XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.
I had an XXXX XXXX card wasnt working for a couple of months hired a company to pay my credit cards off to negotiate lower interest but they stop paying my card for about 4 or 6 months and that really affected me I had to clue the would do that. 
I would like the late fees removed from my credit since I was paying the other company on time. 

I also had synchrony bank card limit of XXXX or care credit same card the company I was paying to pay them off in lower interest didnt need pay them got 4 or 6 months and would like those late payments removed.
XXXX XXXX from XXXX XXXX XXXX has been harassing me, my family and friends /acquaintances. I originally spoke with him and told him I paid the debt XX/XX/2018. He continued to call multiple times a day and then began calling my family and friends. I asked him not to call them 3 times and he continued to do so. My family requested he stop calling them and would repeatedly call them anyway. He left a detailed voicemail on my brothers phone about how I am refusing to pay the debt and he will Be reporting me to the credit bureau as refusal to pay. I spoke with him again and told him to stop calling anyone other than me and he has repeatedly been calling. He is very aggressive and wont stop. I have the receipt of the paid account so I know its paid in full. Hes been calling XXXX XXXX, XXXX XXXX, XXXX, and before and after XXXX.
MY NAME IS XXXX XXXX XXXX XXXX. 
you have is wrong again! its not XXXX XXXX XXXX XXXX, XXXX XXXX XXXX name identification number XXXX and XXXX is wrong! 
Still have XXXX XXXX credit card, XXXX XXXX XXXX Credit card joint account with XXXX XXXX, 2 accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX joint account with XXXX XXXX. for the 5th time XXXX XXXX stole my identity. He opened these account using my identity. He posed as me to open these account. I never opened these account. I received a letter from you Experian that you took off XXXX XXXX i uploaded this on file its still on my credit report you failed to take it off. You also stated in a letter you received my information about identity theft so why the fraud and identity theft still on here XXXX and XXXX XXXX fixed this and not no long reporting this but you are. I uploaded this as well.
They called me last week and when I answered, I told them to do not call me anymore and to send something in the mail. I have yet to receive anything and they keep calling from multiple numbers.