WillisBack/dataset-financial-user-claim huggingface dataset:
I just received a phone call from XXXX XXXX XXXX in XXXX, Colorado. They are attempting to collect on a debt I do not owe and are also contacting me after I told them not to contact me because I have proof I do not owe the debt. 

They called me on XXXX/XXXX/XXXX at XXXX. The number they called from is XXXX. They asked to speak to me using a name I used in childhood that is not my legal name. When I asked what it was about, they said they were from XXXX XXXX XXXX, who I have filed a claim against before, and asked for my social security number. I told them I knew what it was about, I know I do n't owe the so-called debt and have proof and I was n't going to give them my social security number because I know my rights and I do n't have to. The person on the phone then pretended like he could n't hear me and hung up. 

I immediately called back and spoke to a XXXX. I told them this is the second time this happened, I know I do n't owe this debt, I do not want to get calls from them anymore, and it 's unacceptable that I was treated this way AGAIN by XXXX of their employees when I refused to give my social security number. I also informed them I would be filing a complaint, again, because this is unacceptable. They promised to remove me from their system and claimed they had no idea how I got re-activated in the first place. 

This is officially bordering harassment as meets the legal definition and I want them to stop attempting to collect on a debt that is not owed, stop trying to force my social security number out of me ( scammy! ), and stop contacting me all together.
The dates contained with my credit file for XXXX XXXX are incorrect and the credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the origianl date of delinquency and this date is not allowed to change by law. In a effort to reage the account XXXX has filed incorrect dates. In accordance to the FCRA the creditor must report the debt from the original date of delinquency. The information XXXX has in the file is incorrect and the credit bureau is in violation. They did not review XXXX  documentation prior to reporting the debt.
I have been trying to get a modification of my loans with Bank of America for many years and all they do is keep trying to sell my home at foreclosure with the current date set for XXXX XXXX, 2016. The Attorneys that I have talked to have said that the entire loan should have been canceled because of the Fraud committed upon me and my XXXX son but the Fraud division of Bank of America refuses to talk to us. Can you help me? XXXX XXXX, XXXX XXXX XXXX XXXX or you can contact XXXX XXXX at his email ( XXXXXXXXXXXX ) but he can no longer help me because he retired and is no longer practicing law.
When I logged on to my Macy 's account I paid the balance in full but had made a purchase that did n't reflect on my loan balance at the time of pay-off. I called the creditor and I asked them why did n't I receive a statement or a courtesy call and if they would remove the 30 day late off my account as I 'm in the process of buying a new home. I was told my statements went to an email account that I have n't had in 8 years. I asked what their process was when the statement is rejected by the address and was told nothing. I believe they need to update their system to show all outstanding balances and have a better process to notify their card holders of any returned electronic statements. This is very disappointing news as my mortgage rate will now go from a 4 % to a 4.875, I have since cancelled my credit card with Macy 's.
XX/XX/XXXX and again on XX/XX/XXXX I request under California Ci val Code # 2943, that the servicer Nelnet provide within 21 days : a ) Certified copy of the Promissory note ( the original student loan ) with any modifiactions there to, including all endorsements, allonges or other indicia of transfers and negotiations since the note was signed ; b ) Certified copy of the recorded loan with any modifications thereto, including all other indicia of assignments of beneficial interest ; c ) Claimed unpaid balance of the loan ( full accounting from loan inclination to date of demand including but not limited to interest rate charge dates and changed rate - i.e. amortization table format ) ; d ) Claimed amounts paid ( indica of consideration ) for transfers of beneficial interest and dates of those paid amounts ( " for value received '' ), admissible evidence of an actual transaction ; e ) Current variable interest rate of teh loan along with history of changes thereto and thereof : f ) The end of the term of the loan ; What I received on XX/XX/XXXX was an account summary for XXXX XXXX prepared XX/XX/XXXX with a start date of XX/XX/XXXX ( not XX/XX/XXXX ) for loan # 1 with a principal balance of {$5500.00} and loan # 2 with a principal balance of {$3500.00}. I can not reconcile all my loan payments since inception and if they were applied correctly.Most interesting and alarming is that in the servicer 's response was a 1 page Application and Promissory Note ( not in my hand writing -very unusual ) date stamped XX/XX/XXXX and page 2 with my signature dated XX/XX/XXXX which looks like it maybe part of a Promissory Note. Question HOW DOES A LOAN GET FUNDED PRIOR TO AN APPLICATION BEING SUBMITTED AND APPROVED??????? This is what alerted me to potential fraud and that servicer has no standing or pretend lender has no standing in the alleged note. I therefore made 2 demands to Nelnet to refund the amount paid to Nelnet on loan # 1 {$6600.00} and loan # 2 {$4200.00}.
In XX/XX/XXXX my wife and I purchase 2 tracts of land, 33.3 and a 1.75 tract. In XX/XX/XXXX we went back to the bank and wanted to build a home on the 33.3 acre tract. They cut out 4 acres and issued us a construction loan for XXXX. Recorded in the XXXX County court house in Book 802 pages 232-241. On the same day and at the same time we also signed a security deed for the remaining XXXX acres. Recorded in the XXXX County court house in book 802 pages 242-250. In the security deed for the home loan the legal description reserves an easement across the 1.75 acre tract and continues through the remaining 29.3 acre tract to access our primary residence. After the completion of our home we got a conventional mortgage thru United Community Bank with an affiliate of theirs, The XXXX XXXX XXXX. They then sold it in the secondary market to XXXX  XXXX and then it went to XXXX XXXX. We also refinanced with XXXX XXXX  in XX/XX/XXXX. In XX/XX/XXXX during the worst of times United Community Bank double our interest on the 29.3 acre tract raising it from 3.25 % to 6.5 % making it very difficult for us. Then in XX/XX/XXXX we asked for an interest only loan to try and get through the tough times. The Bank led me to believe they would do that but never did and allowed me to get behind and then called the loan due. I went to the bank and attempted to make the loan current but they refused payments and accelerated the loan and then filed a law suit against me. They then said they would drop the law suit if I would give them my commercial property were I operate a small restaurant. I was advised by legal council not to do that. They already doubled our rates and they could do it again and then you would loose everything. The situation forced me into bankruptcy. At that point United Community Bank foreclosed on the XXXX acre tract as well as the XXXX acre tract. I owed them XXXX for the property that they refused payments on however they sold the property to XXXX XXXX XXXX for XXXX who then sold it to a mortgage broker and developer for XXXX. United Community Bank refused to deal with me. The mortgage broker and her husband, the developer, XXXX and XXXX XXXX then sued me stating that I had no easement to access our home. In a motion for summary judgement the judge closed our road cutting of access to our home. He stated that United Community Bank never gave us express permission for an easement to our home even though it is in our Construction loan, our mortgage and all through our chain of tile for our home. The judge ruled because of the security deed in book 802 pages 242-250 for the 29.3 acres doesn't reserve an easement and for that reason we had no right to have it in our mortgage. As a result we are land locked and are being kicked out of our home. How can it be in one but not the other, both signed at the same time. It appears to be either a bait and switch or fraud or just an error that they won't correct. I don't know which. XXXX XXXX has filed a title insurance claim however that doesn't help us.
MACY 'S SENT US AN OVERDUE BILL FOR A BILL THAT WAS ALREADY PAID. THE NEW BILL HAD A {$25.00} LATE FEE & A {$2.00} INTEREST CHARGE. WE NEVERACCURE INTEREST. WE CALLED & PAID THE NEW BILL MINUS THE LATE FEEOVER THE PHONE. THEY WOULD NOT REMOVE THE INTEREST CHARGE. 
WE GOT PROOF OF PAYMENT FROM OUR BANK ON THE ORIGINAL CHARGE & HAVE FAXED IT TO MACY 'S PAYMENT RESEARCH & HAVE NOT HEARD FROM THEM. CALLED TODAY, & I WAS UPSET WITH THE HOLD TIME,XXXX, TOLDTHEM SO & I WAS HUNG UP ON.
In XXXX of 2012 I inquired about obtaining a degree in the medical field/becoming a medical assistant. I was soon bombarded by phone calls from the XXXX XXXX and finally was scheduled for an in person meeting with a counselor in the XXXX XXXX, NJ location. I was XXXX years old and unsure of what I wanted to do with my life. My counselor convinced me that the medical assistant program was for me because I would be certified in 9 months and XXXX would help me secure a job after my graduation. Even when I hesitated and told my XXXX I wanted to possibly start in XXXX, he insistent that I start by XX/XX/XXXX, meaning I had less than 3 weeks between my first introduction to the XXXX XXXX, to when I would start the medical assisting program. This was short time to make a decision. When I met with the financial services representatives at XXXX they quickly told me they could secure a loan with the XXXX XXXX XXXX to cover the cost of school remaining after federal loans. Again, I was XXXX years old and did not have a parent or guardian present to help with my decision ; just the knowledge that I was now starting school in less than 3 weeks and needed the funds to pay for it. The interest of my loan or how long it would take me to finish payments was never explained to me. I feel the XXXX XXXX in XXXX XXXX, NJ pressured me into enrollment and further more encouraged me to make an irresponsible decision in obtaining a private loan from the XXXX XXXX XXXX.
So I recently had another complaint with CFPB and it looked like it was resolved. Thought everything was fine. Now the Citi CC company is making responsible once again for fraudulent charges. I got my bill in the mail and they are saying that i spent {$840.00} which I thought was resolved. They sent me a bill saying that I used my card back on XXXX which I know is a lie. I just recently got this card when it transferred over from XXXX Costco CC. So my complaint is why am I being held responsible for this???? I thought Citi made it clear to me that these were fraudulent charges .... I wish Costco would of not swicthed me over to this Citi CC. They are the worse CC company that I have ever dealt with. If you own one of these cards, be careful and try not to use it. They will make responsible for charges that you didnt even make.
I sent a debt validation letter to Franklin collection services asking for the original signed agreement an my hippa release an they never responded an continue to report to my credit report. They continue to put unvalidated information on my credit report an have all my medical information without my hippa release. They put 8 collection on my credit report {$930.00}, {$660.00}, {$460.00}, {$380.00}, {$350.00}, {$300.00}, {$190.00}, and {$140.00}
TransUnion credit bureau is adding someone else 's credit inquiries which are not mine on to my account, contacted Transunion regarding the same they have suggested me to contact the creditors so i did, but none of those creditors are able to find any opened account or credit inquiry done on my Name or Social security number or Address.
I am trying to work with my bank to modify the loan. They refuse to give me any help. They do not have to work with me, is what they said!
XXXX XXXX charged us incorrectly for our XXXX visits. We had explained prior about this issue and they did not want to work with us. They forwarded the debt to XXXX and XXXX demanded {$600.00} per month which would have made us homeless and starving. I also explained to XXXX the problem and were unwilling to work with us, called several times a day, even 2 to 3 times in one hour. They forwarded our debt to an attorney ( XXXX ), was told they figured a deal, was only made aware of XXXX account and was supposed to be paid off XXXX XXXX, was told the accounts just showed up out of no where. XXXX XXXX was supposed to charge the VA medical center in XXXX for my XXXX visit. I am a XXXX vet. They also put my daughter as my husbands spouse with the wrong birthdate. Husband and daughter were charged for procedures not done.
On Tuesday, XXXX XXXX 2015 I deposited XXXX checks in my checking account at the Bank of America branch at XXXX XXXX XXXX XXXX in XXXX SC. XXXX check was for {$50.00} and the other was for {$200.00}, total amount being {$250.00}. The teller took the XXXX checks, verified my sifnature on the back of the checks, and then gave me a deposit receipt for {$250.00}. On Saturday, XXXX XXXX, I received a notice in the mail that they could n't find the check for {$200.00} and that amount was being deducted from my account. On Monday, XXXX XXXX, I stopped by the branch and spoke with the Branch Manager, XXXX XXXX XXXX. She passed me off to an assistant, XXXX XXXX. She called customer service while I was there and they confirmed that they can not find the check and told me the only recourse I have is to track down the person who wrote the check, have them put a stop payment on it, and send me another XXXX. 

Since I handed the checks to the teller and was issued a receipt, the lost check is an internal Bank of America error and I do n't see how this is my responsibility to track this down nor should I be penalized for their error. A credit of {$200.00} needs to be made back to my checking account
I bought my XXXX XXXX phone on XX/XX/2017. I was very excited to have a new phone that had advertised a plethora of amazing features. Including the best camera on the market, and unlimited photo memory. In addition to the top of the line features, XXXX included a leasing feature that was almost too go to be true. With Synchrony Bank you could get approved for the XXXX phone almost immediately and pay 0 % apr for 2 years. Well, as it turned out it was too good to be true. The product that I have received is nothing near to what was advertised. I got a phone that does not even receive text messages or phone calls half of the time! 

I called for help within 30 days and was given the complete run around from XXXX. They have no location where you can return your phone or get help. They have a service center in a remote location who's sole purpose is to deny customer refunds after getting faulty products ( out of their 15 day warranty ) anyone after will have to suffer a {$700.00} loss and get a REFURBISHED replacement of what was supposed to be a WORKING PHONE. 


So in Regards to Synchrony Bank, I had called to report XXXX XXXX False Advertising of providing a working phone and decent service. In hopes that they might protect me with a refund as any other bank would do in a fraudulent situation. Ie. XXXX, XXXX, XXXX XXXX ... All file claims within hours to protect customers. 

What I got was a claim that was filed and a letter that would be returned within 60 days by paper mail. Mind you, I have a life and can not sit and wait all day for paper mail which I did not receive because I had moved. This claim said that ( XXXX did not accept my claim because of the 15 Day Refund policy!!! ) I waited 60 days to hear the same thing XXXX told me about their Fraudulent activity. 

It has been about 7 months with a broken phone, I do not receive important calls or texts ever. They tried to troubleshoot but it still did not work. 

So what I want to know is why XXXX and Synchrony Bank are protecting either 's relaxed approach to customer fraud. I have paid {$700.00} and have been completely scammed by two of America 's biggest retailers. 


All of my calls were recorded, but the only answers I kept getting were the contractual agreements. Well I did not contractually agree to buy a faulty phone.
XXXX XXXX/XXXX XXXX loan should be updated as closed and paid off. Document as proof attach
Tower Loan calls multiple times a day and repeatedly back to back. They leave harassing and threatening messages. Im not working and they arent willing to work with you.
I have contacted PayPal several times 3 times on XX/XX/XXXX with regard to changing the name they have listed on a business account. PayPal allowed one of my employees to open the account for the business, but listed the employees name as the owner of the account. 

When contacting PayPal, they refused to change the name on the account even when provided with information on the owner of the business would know. They allowed opening of the account without verifying the same information they have requested me to provide. 

The requested information was : 1 ) Letter on company letterhead dictating the request.
2 ) Photo ID - driver 's license 3 ) Social Security Card 4 ) Company documents ( certificate of organization, letter from bank, etc ) The requested information was provided via fax to XXXX. I verified the number as I was nervous sending such sensitive documentation via fax as it could be used for identity theft. The agent verified this as the correct fax number. 

I contacted PayPal again today ( XX/XX/XXXX ) as I had not heard any response. I was today informed that the fax number should have been XXXX. The agent apologized, but informed me there was nothing that could be done and insisted the error must have been on my end.
I got a call on XX/XX/XXXX about a debt with a collection agency for XXXX XXXX that I had not even received a final bill with after filing a billing dispute in XX/XX/XXXX over the amount when canceling my insurance. I told the guy witn the collection agency I hadn't even gotten a corrected bill which by law they have 60 days to send me and I have to pay The guy at the collection agency said they mailed me a final bill XX/XX/XXXX. And I said but you are calling me XX/XX/XXXX not even 30 days after a final bill was mailed that I never received. XXXX never mailed the bill. 
I said I dispute this. He said well it's accurate and if you don't pay today we will damage your credit and the whole nine yards. I told him I'm calling XXXX. What you are doing is against the law. He said it's not we can do whatever we want.
I have been disputing XXXX XXXX XXXX XXXX with TransUnion for the past few months. My last time disputing this item was XXXX XXXX, XXXX. XXXX XXXX was supposed to fall of my credit file in XXXX of this year which it hasnt as of yet. My last time disputing this item they marked the account as having a late payment. TransUnion has failed to follow the rule of the FCRA and is still reporting this company on my credit and its been over 7 years. TransUnion has also allow a few companies to run my credit without my consent or knowledge even though I have a credit freeze on all my accounts.
Hi Team, I had opened a XXXX priority banking account with the citibank branch located at XXXX XXXX XXXX, New York, NY XXXX. This account had a bonus scheme which said that if an average balance of {$50000.00} was maintained for 3 months and email enrollment was made, {$500.00} would be credited as bonus. 

I satisfied all the conditions, but still at the end of 3 months no bonus was credited into my account. Upon inquiry it was told to me that the bonus would be credited 3 months after the conditions have been satisfied, this is odd as none of the other XXXX banks I have accounts with have such conditions. Rather they had automatically credited the bonus into the account when the condition was met. I still waited, and even after the 3 months were over, no bonus was give. Upon inquiry 4 months later, I 'm told I need to fill up a Tax certification form without which they would not be able to grant me the bonus. I was asked to submit a XXXX or XXXX to the branch. I did that yesterday ( XXXX ) and today i get a mail from XXXX saying I need to fill up XXXX and the attached mail doesnt even have the correct form it has a XXXX for enterprises, which implies they again are misguiding me in terms of the form to fill up, so that the process is delayed further and they can happily use my funds without the fulfilling their responsibility. What I am unclear about is, if this form was so important why was n't I asked to fill it up when I opened the account? Why did they wait 7 months to realize they needed this form. The staff is unaware of the conditions and this creates unnecessary harassment. 

I 'm not the only one facing this issue. Another one of my friend who had referred me has been facing the exact same problem, she has submitted the form multiple times, and the customer care keeps on flip-flopping saying that they have not received the form. 

I 'm appalled that a big bank such as citibank would resort to such measures to hold on to peoples 's funds. Now I am in need to withdraw my funds, but ca n't as if I reduce the balance I would be charged a penalty. How is this justified? The bank did not keep its side of the promise but is now charging {$30.00} a month for insufficient balances. 

I would have let it go if it had been only a one off case with me, but I can see that another person is being harassed on the same grounds.
I attempted to close all of my accounts with Key Bank after they closed their local branch. I XXXX  out my accounts. They began charging maintenance fees and then taking money off of a checking plus ( credit line ) account without contacting me. They have now done this for several months and I was n't aware of any of these charges until I received a past due notice. 

I have called, the customer service rep said they would contact the branch to have the charges reviewed and reversed. It has been 10 day. 

My complaint is that I keep getting calls from an international service center on behalf of Key Bank. They call me on a known number with my account and then start asking me for the last 4 digits of my SS #, and when I refuse my address and DOB. There are way too many scams going on in the world for a reputable bank to be calling consumers and asking for NPI via phone. I 've told them this several times and they insist it is for my safety. I asked the one of the last CSR for her social security number, children 's names, and their DOB none of which she would provide. Point proven I thought, but then I got another call. 

Consumers fall prey to phone scams because legitimate banks use XXXX service centers and XXXX procedures for identifying customers.
I lost my home when XXXX lien holder foreclosed on my home. the XXXX lien holder never paid off the XXXX mortgage. the XXXX lien holder sold the property and the new buyer did not pay off the loan. I have contacted chase several times to ask them to release me from liability or call the loan and they have refused to work with me. I no longer own the home and chase has refused to call the loan or release me from liabitly. the home has been sold twice and now chase is trying to have me make the loan payment on a home I no longer own. I never gave permission to have someone take over the payments
Express Recovery services is still reporting and attempting to collect on a debt that was covered under insurance. I have been in the military serving our country for more than 15 years. We have amazing insurance with no deductible or co-payment. XXXX has advised us multiple times that they have taken care of this and it should have never been sent to collections.
Also this debt is from 2010 and we have never made a payment. It is past the statute of limitations in the state of Utah. This debt is not valid and we do not owe it.