WillisBack/dataset-financial-user-claim huggingface dataset:
I have a personal loan with One Main Financial in the XXXX, NJ location. I have asked them in the past ( request sent and verbalized to XXXX at the XXXX, NJ location in XX/XX/XXXX to refrain from calling me at work as I can not receive personal calls ). During this time XXXX assured me my work number had been removed from the account and I 'd no longer be contacted. Recently I missed my XXXX XXXX XXXX payment and informed XXXX and XXXX with One Main Financial that I would be out of work on temporary XXXX XX/XX/XXXX. XXXX stated he would notate my account. Yesterday XXXX called my cell phone from XXXX. She called my work # from the same phone number mentioned but did n't say anything. And then placed another call to my work number again leaving another message. I called XXXX back after being notified by my coworker a bill collector named XXXX called from One Main Financial. I was also forwarded the voicemail. I called XXXX with my husband on the line. I asked why did she call my work number when XXXX was informed in XX/XX/XXXX/XX/XX/XXXX to remove my work number. She replied, I just left a message stating her name and number. I told that was not true that she did mention the name of the company and this is how it was confirmed as a personal matter - not work related. XXXX replied, oh yes I did call but I do n't see where your work number was removed/flagged. After discussing the status XXXX said there was a flag on my account but it was done incorrectly. I explained XXXX was previously notified of this and my simple request was not being adhered to and it 's off putting. I explained to XXXX XXXX did n't have any money to make a payment as I 'm waiting for my XXXX payments. She stated she needed a payment because I had to be out of work for 30 days and not eligible for the insurance I pay for instances such as mine- temporary XXXX. She also stated she did n't want this to go into another month because she did n't want to go into what will happen. I felt threatened and even more XXXX while trying to recover from XXXX. I explained I would be out of work for a minimum of 8-10 weeks. Said she would make some paperwork out to me but I needed to pay at least {$260.00}. I have XXXX XXXX medical conditions and do not need additional XXXX. I was embarrassed as now my personal business has been exposed by this happening. It truly needs to stop!
I am being trafficked for debt bondage. I do not owe this purported creditor.

XXXX XXXX XXXX  Account # XXXX was reported to XXXX as being a mortgage. XXXX XXXX XXXX  also reports it is a Real Estate Type of account and the account was transferred to another lender or claim purchased.

Require XXXX XXXX XXXX to provide the loan documents involved in this account which was opened XX/XX/2005. Include the information regarding the purported construction loan attached to this account and the transfer to another lender or claim purchased. State specifically who it transferred this debt to ( name the lender ) or the party that purchased the account.
BBVA Compass charged me {$300.00} plus overdraft fees based upon the bank 's servicing a levy that was illegal on its face. Background : I was an XXXX resident and residential property owner at all times relevant. I moved to XXXX in XXXX for two years to wrap up my father 's estate. Prior to XXXX, I had an account XXXX with BBVA Compass. Upon relocation, I did business XXXX with BBVA Compass up until XXXX. I closed that account because the location was very inconvenient. I did not have an account with BBVA Compass in XXXX. In late XXXX or early XXXX XXXX, I returned to my home XXXX. During my stay XXXX I properly registered my XXXX vehicles a XXXX. When I came back XXXX, I timely registered XXXX vehicles XXXX. In approximately XXXX XXXX, I took advantage of a " No Fees '' promotion at Compass to open a small " petty cash '' account. I opened with only {$100.00}. 
On or about XXXX XXXX XXXX, I received notice of a levy on the XXXX. That notice came from Compass Bank, although it had allegedly been sent to my deceased father 's home in XXXX. That property has long been sold. Although I had not lived in XXXX since late XXXX XXXX, the levy notice asserted that Compass had levied my account on the authority of the XXXX Franchise Tax Board for failure to register my XXXX for the period from XXXX XXXX through XXXX XXXX. I called the XXXX Dept. of Motor Vehicles and explained the situation. They withdrew the levy. See attached. I then forwarded that document to BBVA Compass. 
On or about XXXX XXXX, XXXX, I received notice that my account was levied on the premise that my other car, the SAAB, was not registered XXXX. Like the XXXX had been registered XXXX before the expiration of the XXXX registration. Moreover, the Saab had been XXXX by an at-fault driver on XXXX XXXX, XXXX. I again called XXXX DMV and Tax Board and, again, they withdrew the levy. See attached. I forwarded that XXXX withdrawal to Compass. I also called them, but they refused to take corrective action. 
I then received an " overdraft notice '' that my account ( which had approximately {$100.00} in it XXXX was negative {$280.00}, and I was being charged overdraft fees. I called Compass, but they stated that they had a right to do this because ( a ) the XXXX address on the levy was known to them, even though they acknowledged they had my current XXXX address ; and XXXX b ) they did business with XXXX and, therefore, they would honor the levy. This is illegal because ( a XXXX XXXX had no authority to levy me because they had no right to registration fees on a car that was registered in another state ( XXXX XXXX ; and ( b ) The error showed on the face of the levy as it listed a XXXX address that BBVA Compass knew or had reason to know was incorrect ; and XXXX XXXX XXXX XXXX has no jurisdiction over non-citizens in regard to registration of vehicles. Compass refuses to reverse or waive the alleged " levy handling fee '' and overdraft fees. This is wrongful and must be corrected. Thank you for any assistance you can offer. XXXX XXXX XXXX
The accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : 11 XXXX  XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX
I was offered a credit card during an Amazon purchase on XX/XX/XXXX, and applied right away. I was given the card, and made 2 purchases with it. The third time I wanted to use it the purchase was not authorized. I called the number on the back of the card and was told chase had closed the account and they did n't have a reason why. Chase closed it on the same month without even a reason or a letter.
i was a payment behind, then running a payment behind 3 to 4 months, then i contacted my lender for assistance with getting caught up with assistance and a loan modification.my lender assigned my a loan rep which determined i need to short sale my home.i advised i wanted to keep my home and if there were any other options available.i filled out a loan modification with a hud counselor submitted it.no response back for 2 more months and received another letter stating to short again, the hud rep try many times to respond back to lender and no response except that he could not communicate because there was no authorization form on file to discus with the hud counselor, the authorization form was on file since XX/XX/2018.i need a loan modification .i have been employed with the same employer for 30 years.i feel behind payments due to a XXXX XXXX.i am recovering and just want assistance with saving my home.
On Friday, XXXX XXXX, 2015, at XXXX, I was on the phone with USAA Bill Pay Department speaking with a representative by the name of XXXX. When I filed for bankruptcy, USAA shut down all access to their website and services and only allowed me the ability to access to my account via mobile application. I was calling to see if it was possible to regain access to by Bill Pay so I could pay my bills again. 

XXXX stated the restrictions were put into place because I had a credit card which was included in the bankruptcy. She will transfer to the credit card department to pay my bill and then the restrictions will be removed. When I said excuse me, she against stated that when I my credit card debt, the restrictions against my bank accounts will be lifted and I can become a " normal '' customer again. I informed her what she stated to me was very illegal ; that the debt was discharged in a BK and she can not collect on a debt that was involved in a BK and she can not promise me things that will not happen. I then asked if the phone calls are being recorded and she stammered out a few answers before I was able to be transferred. 

I was eventually transferred to an Executive Resolution Specialist, advised the Rep was in violation of the BK discharge and FCDPA ( false/misleading representation/unfair practices by stating restrictions would be removed when they would not, did not notify me they were collecting a debt and trying to collect a BK discharged debt ). The executive resolution specialist first asked what I was looking for in compensation, which I stated I was only trying to determine if the restrictions could be removed from my bank accounts. The Specialist informed me the restrictions on the bank account could be removed if the BK had been discharged, which had been in XX/XX/2015. After XXXX mins on the phone, I was advised the restrictions would NOT be removed and even though the debt was discharged in a BK and XXXX committed violations against FDCPA, they were sorry for her behavior. Prior to this statement, which resulted in my stating I would file a report with the CFPB and contact my BK attorney, I was advised all calls were recorded, was questioned as to why I wanted to know that information and what would the information be used for.
I opened a bank account with Citi bank under a promotion which promised me XXXX thank you points when I open a new Citigold bank account. The promotion indicated that I need to be a new account holder and since I had recently closed a bank account ( XX/XX/XXXX ) I talked to the agent to enquire whether I qualify for this promotion or not. At that time the agent told me that I qualify and I will get the points within 60-90 days from opening the account. So I went ahead and opened the account. After using the account for a month I verified with the bank if I have met all requirements of the promotion and when I will receive the points. The bank responded via email that I have met all requirements and will receive the points no later than by XX/XX/XXXX statement. Now after XX/XX/XXXX passed and I did not receive the points, I inquired again, and this time they tell me that I do not qualify since I used to be a customer at a earlier point in time before I opened this bank account. This is a very unfair and deceptive, I inquired with them multiple times and every time they said I will receive the points, and in the end after keeping the account open in good health for 3.5 months they tell me that I no longer qualify for any points.
I received from Notable Capital of XXXX AZ on XX/XX/2016 a " Platinum Lease Card '' which I did not request. This card contains a full 16-digit card number, effective and expiration dates, my name & a magnetic strip on the reverse. It is accompanied by a letter showing available credit of {$150000.00} with a phone number and code for activation of the card. 

I never authorized them to send me offers of credit nor have I ever conducted business with their organization. It is my understanding that you have no right to send me these kinds of unsolicited offers. I am on the National Opt-Out Registry with the 3 major credit reporting bureaus. 

They should remove my name from their list for any further mailings and remove any information they may have added to my credit record immediately.
I applied for a Home Depot/Citibank credit card on XX/XX/19. Application Reference # XXXX. I have a credit score of XXXX and no debt. I just purchased a home and I was in the store to purchase a Fridge and blinds. I applied online and I was told to go to the store to have the store associate contact citibank. Citibank advised that I need to bring a credit card for identity verification. I went home and retrieved my XXXX XXXX   Shops credit card and returned to the store. At which point ; they requested another credit card for additional verification which I thought was ridiculous considering this was not advised before. They denied my application for reasons i can only assume was due to discrimination.I contacted all 3 credit bureaus and each representative stated that there is no reason why I be denied for credit. Please advise
Hello, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I have not had XXXX, XXXX insurance since over a year, and a half. I am XXXX on XXXX after losing my career, losing my life with a fire in the home. I called the only doctor I knew XXXX XXXX for my XXXX, and they said on the recorded line I did not come this day ; there are no fees. All others have had there time to file with past insurance before, but all ways paid, once I switched insurance I had bills claiming money. This is unfair. I need to work move on. 13 young men are in jail now. I can not afford the insurance I use to have, and have another. I reported to the state with incident, case numbers as well. This is fraud and remove pls. My credit is great. This is fraud. Trans world Systems In XXXX. XXXX XXXX XXXX, DE XXXX {$33.00}
i have paid XXXX medical bills that were in collection on XXXX XXXX of 2016 but TransUnion still is not reporting them as resolved.
I received an invitation to apply for the Gander Mountain Mastercard provided by Comenity bank. Upon submitting the require information I received an email stating " Congratulations! 
Dear XXXX, You 're approved! Now you 're ready to enjoy all the benefits and advantages that come with your new Gander Mountain Mastercard ( R ). '' I then received the following day an email stating Welcome to Gander Mountain credit card program which is the store card without the co-branding of Mastercard and not what I was approved for. On XX/XX/XXXX after receiving the second email I called the number for the Gander Mountain Master XXXX and spoke with a representative at XXXX for XXXX minutes XXXX seconds, who spoke with his supervisor stating they would be sending the Mastercard XXXX I specifically asked if I should receive the store card that I should cut it up as the Mastercard was being issued. The representative confirmed this. On XX/XX/XXXX I called The same number as I had received the store card and was inquiring about when might receive the Mastercard. I called at XXXX and spent 99 minutes on the phone being passed around to different people and each person I stated I can email or fax you a copy of the approval email sent by your company, no one gave me any such contact information. At the 55 minute mark I was transferred to a senior account specialist whom I discuss the entirety of prior conversations and my request that they honor the Mastercard approval and send me the card I was approved for. Again it was stated I was n't approved for the Matercard and again I was not given any contact information to either fax or email my approval letter. Today I found a number for customer relation fro Comenity bank XXXX and called at XXXX for 15 minutes and was yet again told they would not provide the card I was approved for but did give me a fax number XXXX XXXX I sent a letter of explanation and desired outcome of which I will include in this complaint. My desired outcome is that Comenity Bank provides the product, specifically the Gander Mountain Mastercard, as it was communicated to me by their company in the approval email containing specific detail of credit limit and APR.
I was contacted in XX/XX/2017 by a Collections agency Procollect Inc ( XXXX XXXX XXXX, XXXX, TX, XXXX XXXX ) for a debt of {$5800.00}. 

Per the Collection Agency, I was owed rent and other charges while I stayed in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX ). I was told I was the second applicant in the rent application ( along with someone else ). The community failed to provide me any more details when I contacted them by phone. 

I have never lived in the said community. I own my house and live with my wife and XXXX XXXX. We have been married for 6 years. I have never even been to or seen the community. 

I had communicated the same to XXXX XXXX over the phone and sent them a notice on XX/XX/2017. I had also sent the notice to ProCollect Inc. I had also shared my Mortgage receipts, my address proofs for my owned house. 

XXXX XXXX never responded to my communication. They have now ( XX/XX/2017 ) placed this debt on my credit report which has now caused my credit score to drop considerably. 

Thanks, XXXX
Experian is violating my rights with keeping account that are past the statute of limitations and unverifiable on my credit file which are and all the account states this item was updated in your XX/XX/XXXX dispute I have disputed in XX/XX/XXXX no investigation was ever completedXXXX # XXXX XXXX # XXXX of XXXX # XXXX of XXXX # XXXX # XXXX # XXXX
Is sold an item on Ebay and Paypal charged me a XXXX percent fee but I called customer service and they told me that Paypal does not charge a fee for items sold on Ebay. Ive been a loyal customer with Paypal for over XXXX years and will like if the please have the courtesy of resolving this issue by refunding he XXXX dollars charged fee or I will be selling my items on XXXX again and use XXXX payments and XXXX wallets instead of Paypal.
XXXX XXXX contacted me regarding a charged off HSBC. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to XXXX XXXX XXXX is paid. I contacted XXXX XXXX at XXXX XXXX XXXX and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an HSBC account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that XXXX XXXX XXXX validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed HSBC was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.
File # XXXX I filed a dispute because the new law shows it should be removed. However I called and the TransUnion stated they have n't received the law that would remove this item. They informed me it would stay on my report for 10 years but the New Law is 7 years I. Which it has been 8 years in my report. Please help. I applied for a car loan and it was not approved then I was offered a high interest rate. They also stated in an email that the Court reported to them I called the Court and they stated they had not received and do n't call.
Received a summons to appear in court for a credit card that was never opened by me which can be verified by my credit report. Never received notices just went straight to a summons. The summons only included the last 4 numbers of the account and no transactions except a {$25.00} payment. I am going to send a certified letter to collections company regarding validation of debt and a letter to the credit card company.
When my loans first went into repayment, I tried to refinance with Navient, but they would not help in anyway. My monthly payment was over {$1200.00} a month and they said if I could n't meet that, that the loan would just go into default. I struggled with monthly payments which affected my credit. 

Then, when I my interest rates started to go over 10 %, I pulled from savings and asked family to help pay off the loans because the interest was so high. One of the checks that a family member had gifted me, I sent to Navient with instructions on how to apply it to my students loans and they misplaced the check. They received the letter ( which was in the same envelope as the check ) but had no proof of the check. I then had to contact my now deceased grandmother 's bank to get proof of the check and show it to Navient. The bank luckily had a picture of it ( which they said they would only have if someone deposited the check, meaning Navient deposited it ) so uploaded it to my Navient account. 

Navient is still delaying processing the payment, saying " they need more time to research the payment '' and wont even give me a timeline for when they think it will be complete. This has been an ongoing issue for over two months.
I been trying fpr month to fix things in my credit report, one was a account open with Capital One using my personal information which the result was a fraud account and after the internal investigation shows as a fraudulent account which Capital One took action and removed from my credit report just kept open my one credit card account and a checking account. 
The issue is after many calls to customer service, recovery department, many hours in total nothings seems to help remove the fraudulent account from capital one system which is blocking me the ability to request a credit line increase in my current account ending XXXX The fraudulent account ending XXXX is causing the system internaly to deny a credit line increase because of this. 
Everytime I call CS and Recovery they put me in " waiting '' to comunicate betwen departmets to solve the sotuation but the results are the same.

I am attaching a copy of the investigatiom results removing the fraud account and a copy of the reply given from 'Capital One everytime I try to request a limit increase. 
I dont have charge off in any other of my credit reports and clearly the letter shows an issue with the Capital One system. 
I am filing this claim because tha CS amd revovery departmets from capital one after more then 8 calls wasting hours waiting are not able to resolve this issue.
Every single year Navient kicks me out of my income based loan repayment plan and sends me a bill for a normal plan after I have uploaded all of the forms, and CALLED TO CONFIRM they have received them and all is in order. The site is awful to deal with and you have to transfer to their older site and upload files in an obscure location. The due date for your federal tax information is IMPOSSIBLE to meet by XX/XX/XXXX since XXXX 's rarely come on time and taxes would have to be complete within two weeks of receiving them. Everything is complicated. They send bills on weekends so you ca n't call and fix things. It 's the same exact problem ... every year. Long hold times. Everyone tries to put you on forbearance while they fix their problem. It 's awful.