WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint about XXXX insurance and their apparent use of XXXX . which is subject to the FACTAct which is missing information regarding insurance on the property for which I served as Trustee and now serve as manager for the management company for the present owner ( s ). <P/>I served as the Trustee of my dad 's trust managing his home and financial affairs during his late life and after his passing. I arranged for and paid the premiums of his homeowners/ landlord policy. After his passing, I arranged and signed for the transfer of ownership to my younger sister and her husband and became ( rental ) property manager for them as they live in a distant location. <P/>In arranging property insurance for them with XXXX, I am now advised that they have issued the policy with a one month term and non-renewal notice based on the statement that no insurance is presently in place. This is not true and I have evidence to show that. Further, they did not reach out to either the agent nor to me or the owner to obtain clarification. It appears that they have relied solely on XXXX. This database is apparently not up to speed as the change in ownership and change in insurance and prior insurance agencies have muddied the water. <P/>I have contacted the XXXX Chairman 's complaint hotline : XXXX XXXX at XXXX x XXXX. She said she is unable to receive from me the evidence of insurance that I wanted to provide to them. I do not believe that LexisNexis ( owners of XXXX ) will respond sufficiently fast in correcting their database, and then am totally skeptical that XXXX will correct their inaccurate assessment timely to avoid an insurance crisis. <P/>Please help.
I tried to apply for a credit card through my bank XXXX XXXX  and was denied on XX/XX/2018 due to insufficient credit file I also tried to apply for an apartment at XXXX  XXXX XXXX  XXXX Texas and was also denied because a flag is on my credit fraud protection with XXXX. I tried several times to contact XXXX  and try to resolve this matter for I did not put this on my credit and it's causing me not to be able to apply for things I did to dispute a matter which was fraud use on my credit they completed that dispute and just dismissed it off my credit but they also added a fraud protection which I did not ask for and I am not able to apply for things that I need to apply for and I'm being denied from companies.
I AM FROM XXXX, XXXX AND I AM A STUDENT AT THE UNIVERSITY OF ARKANSAS. I PERFORMED WORK FOR AN ORGANIZATION NAMED " STAND STRONG, STAY DRY, BE SAFE '' WHICH WAS FORMED TO OPPOSE A MOVEMENT TO ALLOW LIQUOR SALES IN XXXX COUNTY, XXXX. I RECEIVED A CHECK DRAWN OFF THEIR ACCOUNT AT XXXX XXXX IN THE AMOUNT OF {$1700.00} ON XXXX/XXXX/16 AND DEPOSITED THESE FUNDS VIA MOBILE BANKING THAT SAME DAY TO MY CHASE ACCOUNT ENDING IN XXXX. ON XXXX/XXXX/16 A LETTER WAS GENERATED BY CHASE STATING " WE BLOCKED AND WILL CLOSE YOUR ACCOUNT ENDING IN XXXX '' -- -LATER IN THE LETTER CHASE STATES " AFTER WE VERIFY YOUR FINAL DEPOSITS AND PAYMENTS, WE WILL MAIL YOU A CHECK FOR YOUR REMAINING BALANCE AND A FINAL CLOSURE NOTIFICATION ''. THIS WAS NEVER DONE AS MY ACCOUNT WAS " RESTRICTED '' AND I HAVE NOT BEEN ABLE TO USE THE ACCOUNT SINCE XXXX/XXXX/16. OVER THE NEXT SEVERAL WEEKS I WORKED WITH BRANCH MANAGER XXXX XXXX IN XXXX IN AN ATTEMPT TO GET THE MATTER RESOLVED. ON XX/XX/XXXX SHE INFORMED ME THAT SHE HADE GONE " UP THE CHAIN OF COMMAND '' AS FAR AS SHE COULD GO AND WAS NOT ABLE TO RESOLVE THE ISSUE OF GETTING ME MY MONEY.SHE STATED THIS MATTER HAD BEEN TURNED OVER TO THE EXECUTIVE COMMMITEE LOCATED IN XXXX XXXX WHICH WAS THE RESOLUTION GROUP IN CHARGE OF OPERATIONS ISSUES. THIS MATTER WAS ASSIGNED A CASE # TO BE WORKED BY A PERSON NAMED XXXX. IN DISCUSSIONS WITH THIS GENTLEMAN, WE STATED THAT AS TIME HAD PAST AND THE FUNDS HAD CLEARED XXXX XXXX, THERE SHOULD BE NO ISSUE AS TO THE FUNDS BEING '' GOOD MONEY ''. WE ALSO PROVIDED INFORMATION TO HIM ABOUT THE ENTITY TO PROVE ITS LEGITIMACY. NO PROGRESS WAS MADE WITH THIS REPRESENTATIVE AND HE WOULD NOT GIVE ANY SPECIFIC INFORMATION AS TO WHAT THE PROBLEM WAS OR HOW IT COULD BE RESOLVED. ON XXXX/XXXX/16 HE CALLED TO SAY CHASE WOULD NOT RELEASE THE RESTRICTED FUNDS AND HE WAS CLOSING THE FILE. IN THIS CONVERSATION, ONE FINAL ATTEMPT WAS MADE TO ASK WHAT SPECIFIC INFORMATION DID HE NEED THAT WE COULD PROVIDETHAT WOULD ALLOW THE RESTRICTION TO BE LIFTED AND THE FUNDS BE RELEASED. NO ANSWER WAS RECEIVED IN THIS REGARD..THERE HAS BEEN NO OTHER COMMUNICATION WITH CHASE SINCE XXXX/XXXX/16. I HAVE VISITED WITH SEVERAL BANKING EXPERTS AND AN ATTORNEY WHO TELL ME THAT I HAVE BEEN WRONGED AND CHASE HAS NO RIGHT TO HOLD MY MONEY. ADDITIONALLY, I HAVE A COLLEGE FRIEND WHO ALSO WORKED FOR THIS SAME ORGANIZATION AND EARNED {$150.00}. HE TOOK HIS CHECK HOME WITH HIM ON SPRING BREAK AND DEPOSITED IT TO HIS ACCOUNT AT CHASE IN XXXX, XXXX WITHOUT A PROBLEM. IN CLOSING, I HAVE WORKED IN GOOD FAITH TO BRING RESOLUTION TO THIS MATTER. IN MY OPINION, CHASE HAS NOT! THIS IS A MISHANDLING OF JUSTICE AND I NEED MY MONEY!!! AS THIS IS A SUMARY OF THE BASIC FACTS, PLEASE LET ME KNOW WHAT ADDITIONAL INFORMATION IS NEEDED. MANY THANKS IN ADVANCE FOR YOUR EFFORTS.
I have had the same Home Equity Credit Line for the past 18 years. My original loan was with a bank that TD Bank bought and the loan and conditions were grandfathered to TD Bank. The loan has no expiration date and is what TD Bank calls an Evergreen loan. Recently, TD Bank has been trying to get me to change the conditions of the loan to one which has a 10 year cap, which means the loan ends in 10 years. The bank is asking me to requalify for the existing loan on an annual basis which forces me to complete an absurd amount of paper work. The bank has told me that if I agree to change the conditions of the loan to the 10 year cap there would be no paper work now, or in the future. I have never been asked to provide any additional paperwork in the 18 years that I have the loan. This is clearly HARRASSMENT to get me to change the loan, which is not in my best interest. I have made repeated to clarify this with the bank but have not been successful.
I have received numerous calls over the last year from a company called Cedar Financial. They state I have a debt with XXXX XXXX Bank and I have no knowledge of this debt nor this bank. They have added a debt in the amount of {$12000.00} from this XXXX XXXX Bank on to my credit report without any poof! They need to stop contacting me and remove this debt as it is NOT valid.
ARS Account Resolution Services has ignored my written letters now on 2 separate occasions. They keep sending me a letter stating they have confirmed the outstanding balance of {$1400.00} but have failed to provide the proper physical documentation to validate the debt. XXXX can not provide the original source document according to a phone call with them today. Also even though ARS may not be guilty of breaking federal law HIPAA the medical facility is because I do not have an recollection of signing a waiver stating they could share any of my personal information with anyone other than me. Unless they have this on file the information that they turned over to you is in violation of HIPAA. There are bylaws in place in both the FDCRA and the FCRA that states that if you are going to try to collect on a debt you must have on file the original source document showing my signature. Without it this service or debt can not be validated. Electronic Communication simply saying you have confirmed the debt is not compliant within the law. At this point since I have tried by writing twice now, I am going to ask that you immediately send me the physical documents showing my signature validating that this debt is mine or cease with all collection activity immediately. You are to also send notification to all 3 bureaus removing any collection accounts from all 3 bureaus. If this is not done I will be forced to file compliants with all state and local agencies that you answer to as well as filing a compliant with the State Attorney Generals office asking for a full investigation into your collection practices. You as of this submission have 5 days to answer, comply and supply the proper notification that I have requested. The following accounts are being listed against me and can not be verified properly. 

1. XXXX XXXX. XXXX XXXX. XXXX
On  XXXX   XXXX , 2017 I had filed dispute compliant with TransUnion about inaccurate amounts on my credit report from   XXXX   XXXX    Dispute claim file :  XXXX  or  XXXX . ( see attachment ) Trans Union refuse to remove inaccurate amounts on my credit report the results I received by letter " verified as accurate '' with   XXXX   XXXX  .TransUnion did received my supporting documents by priority mail ( see attachments ) I truly believe TransUnion unfair decision, because I had canceled my monthly membership with TransUnion. Whenever, I would call TransUnion inquiring about my dispute. With every phone call I am always asked to purchase their credit alert plan. ( see attachment )   XXXX   XXXX  . purchase accounts though a vendor to collect with consumers with duplicating amounts also adding invalid amounts to a consumers credit reports with the credit bureau ( s ).
TransUnion and   XXXX   XXXX   are aware about the inaccurate amounts both have the illegal agenda to gain monies along with damaging my credit for 7 or more years.
Listed are the amount   XXXX   XXXX   is trying to collect invalid amounts : {$160.00} {$160.00} ( duplicate amount ) {$130.00} {$250.00} {$210.00} Total amount {$940.00}
I have sold crypto-currencies on XXXX ( trading arm of CoinBase ) and I currently have about 1,000,000 EUR of fund. Unfortunately, it is only allowed to withdraw XXXX EUR a day. 

The company has a process for increasing this amount and promise to come back to his customer within 10 days. However, after a month, I still do not have any answer. 
I tried to contact them via their online ticket service but I received no answer. 

I tried calling them as well. I got connected to a representative who acknowledged the amount of fund on the account but then put me on hold and hung on me. I tried calling again but I never managed to get any representative again. 

At this point, they are holding my fund without my consent.
I contacted the holder of our mortgage, Bank of America, on XX/XX/XXXX to request that the PMI be removed. I had previously contacted them regarding the requirements to remove the PMI and was informed that the loan needed to be more than 5 years or older and the loan to value ratio must be less than 80 %. The house was purchased in XX/XX/XXXX, and is therefore more than 5 years, and the loan to value ration is less than 80 %. 

However, Bank of America is still declining to remove the PMI and is instead requesting an appraisal of the property.
In XXXX, 2018, I agreed for Wells Fargo Bank to close my debit visa card due to a fradulent transaction. I was issued a new debt visa card 1 week later. I did not give any companies my new debit visa card information. On XX/XX/2018, XXXX charged the old card for a reoccuring payment and the charge went through on my account although I did not supply the new card information. When I went to the XXXX account as well as the Wells Fargo account, they both reflected the number of the old debt visa card that was closed. When I called Wells Fargo, they said it was a XXXX issue due to it being an agreement with XXXX and the XXXX. When I called XXXX, they said that I needed to contact Wells Fargo because they were the ones who allowed the old card number to be charged to prevent an interruption in my XXXX service. In the past, if a debt visa card was cancelled/closed, the merchant would be unable to charge my account and I would have to update and give the new card information if I wanted to continue the service. I am gravely concerned about my protection against fraud if merchants can still receive payment on my checking account with use of a closed/cancelled debt XXXX card. Wells Fargo nor XXXX would give me an option to prevent this from happening. I have therefore cancelled my new debit XXXX card out of concern.
I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.
I have credit cards with Capitol One. I pay my payments sometimes on the day they are due. Often when I pay the payments on the agreed upon date, I STILL get changed a late fee due to me being on Pacific Standard Time and they being on Eastern Standard Time. I was told by Capitol One when I complained, '' Well we actually changed the time from XXXX EST to XXXX EST because we were getting so many complaints. '' HOW can they charge people a late fee when the payment is made before XXXX on the date it is due? This to me is extortion and should be illegal. If you run a national company you should be adapted to ALL the time zones..not the one your company happens to be headquartered in.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX F, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX F, XXXX XXXX, FL XXXX
On Wednesday,  XXXX   XXXX  at approximately  XXXX , I received a phone call from a gentleman claiming to be from  XXXX   XXXX   XXXX  stating that they had a summons that they needed to serve me for a lawsuit and asking the best way to reach me at my job. I explained that I was not aware of any pending lawsuit and that if I am to be served the police would know that process. He then explained that he could give me the information from the attorney for the plaintiff and I could contact them to possible place a hold on being served at my workplace and the embarrassment that would come f rom that. He stated that this " servicing '' was to go out soon so they would only be able to hold it for 24 h ours while I contacted the company. I took the information for a  Richard J. Boudreau & Assoicates, LLC., a p hone number of  XXXX  and a case number of  XXXX .   I contacted this law firm and spoke with a  XXXX   XXXX . He stated that there was a case brought against me for breach of contract and check fraud and another claim i can not recall from their client. I asked who the client was that I owed money to. He stated that the original creditor is a company called "   XXXX   XXXX   XXXX   '' and I entered into contract with them in  XXXX  of  2014 . I stated that I didnt recall and asked for additional information in regards to this case and asked if this   XXXX   XXXX   XXXX   company was their client. He stated he didnt have any additional information but that I could contact them and he would tell their legal department to place a hold on my case fo r 24  hours. The following day, they contacted on my work phone and spoke with an associate of mine and told her that myself or my attorney needs to return their call. I returned the call, asking for  XXXX   XXXX  and let him know I would be recording our phone call. At that point, I asked if I could receive the spelling of his firm and address. He then became extremely aggressive and began yelling at me refusing to answer any of my questions. This went on for a while until he hung up on me. I again called and asked for the address and correct spelling of this firm. Again, he became angry and aggressive and yelled at me. I looked through my personal voicemail log and heard a number of messages where this company never informed me that they were attempting to collect a debt but that they had a legal matter they needed to discuss with me. I want them to stop contacting me at my workplace and provide the proof of debt and information I requested.
EQUIFAX IS REPORTING ON MY CREDIT FILE THAT I OWE XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TN {$640.00} FOR XXXX XXXX. ALL OF MY MEDICAL BILLS IS COVERED BY THE UNITED STATES GOVERNMENT. EQUIFAX REFFUSES TO PROVIDE VALIDATION OF THE DEBT AS REQUESTED BY ME.
Check smart is calling my place of work and when I asked that they stop they refused, telling me to call a different office but refused to provide that phone number.
I have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other address.
Has been ongoing for 8+ years. I am working at a minimum wage job, checks are already garnished from other student loans.Unfortunately, I have not kep track of everything that has gone one.

This one is different because they are going after my XXXX XXXX XXXX grandma and threatening to everything they can to get money. My mother has been called repeatedly and she is having to block numbers. To-date, 63 different numbers from Navient alone. 

Navient is sending registered letters as well as calling my Grandmother approximately 6 times a day. 

I need help.
Party in error : XXXX 's - Creditor XXXX Located in : XXXX XXXX MallAddress : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXPhone : ( XXXX ) XXXXCollection Agency involved : XXXX GroupXXXX XXXX, XXXX XXXX : ( XXXX ) XXXXCase Reference number XXXXExplanation : I applied for the XXXX 's credit card, that this charge involves, in approximately XXXX of 2013, at the XXXX 's XXXX XXXX, XXXX store, at time of purchase The charge was for approximately 200 $ I applied for the credit card with the intention of building some credit as my credit history is blanko I have always paid for purchases and cleared up any and all debts with cash I was denied for the XXXX 's credit card at time of purchase because I had no credit history I paid for the purchase with cash I have not ever received a bill, credit card, notification or other indication that I had ever been approved for the card application After one full and entire year passed, after not having received a single bill or notification from the department store, I started to receive collection agency notices from the Northland Group for this charge I provided the following address with my application and since receiving the collections notice have been in contact with a billing specialist at XXXX 's to determine that they do have the correct contact information for my billing and home addresses ( address omitted here per instructions ) According to the billing specialist from XXXX the current charges include a year 's worth of late charges added to the account for delinquent payment on the account Because of the mix-up at the store level when the debt was paid in full with cash and my credit application was applied for and denied the company has not processed the cancellation of the credit application properly and continues to try to bill me and collect a debt which does not exist This billing and credit application error has destroyed my credit rating because it is the only item on my credit history. 
Other than this error in credit application cancellation, for a debt that was paid after the credit application was denied, I have nothing on my credit history. 
I do not even have a XXXX 's credit card number or any other reference for this case and charges as the credit line and card were never issued or mailed
I have been sued and summons to court by XXXX XXXX XXXX XXXX. They tell me that they need money from me but cant explain how they got my loan. I took a loan out with XXXX bank for XXXX XXXX in XXXX. These people does not and has not showed how they got my loan. I went to court judge ask have you ever went to college I said yes he said well the debts valid. Ok if its valid can we prove how these people have rights to collect? And why hasnt chase sent me something? And why did it take nearly 8 yrs before these people came about? The judge did not want to hear any of my questions nor did he want these people to explain to me. I am up to XXXX XXXX plus at of 2 yrs ago it was XXXX XXXX how on earth did this happen? And how is it logical? And okay to do people this way? .the documents they showed the judges was my name on a list of I'm assuming it's my name with hundreds of others name. And they said this is how we own your loan and all these others. XXXX XXXX XXXX XXXX XXXX is definitely trying to cause me to go homeless and my children ripped from my arms because I do not have the necessary funds to take care of my children when having to be asked to pay XXXX month. Who are these people and why is this happening to me? I went to court in XXXX for this loan and here I am facing garnishments bank levies after things have been taken I'm notified. I've had tax intercept. I am so confused and need help to beat this case once and for all. I know these people are scams I know they are trying to XXXX the life out of me. I am trying to be a successful member of society. And if ever two yrs I'm tracked on nearly 10 grand to the balance. This means it will never end. I dont have this type of money. XXXX is suppose to sue or someone should show me where it was sold to this company with rights to ownership. I need help. Bad for this case.
Rec 'd a notice on my door that had my mortgage name on it. It said to call number. I called number and got Mt West Financial. My mortgage company is XXXX so I hung up and called XXXX. XXXX said my account was in good standing and said that Mountain West Financial is an affiliated company with them. So, I called XXXX, the number on the card and proceeded to try to confirm information. They kept asking for more. I did give them the last XXXX of my son 's ss # ( I am an authorized caller on account ) and now I am worried that this is not a real company but a scam. I told them that I would not give anymore information and that if they needed information they should write a formal letter. 
I am afraid I gave them too much as it is. I called XXXX again to confirm that Mt West is affiliated and this time the CSR said " No ''. I would like to request that the information that Mt West Financial ( at XXXX ) obtained from us be expunged from their records due to the fact that I believe that information was extracted under false pretenses.