WillisBack/dataset-financial-user-claim huggingface dataset:
I have in the last several months received phone calls over a debt that is well over 8 years ago. Although this debt is not being reported to the credit agencies, it continues to be a threat through harrassing and threatening phone calls. The company holding this debt has called and left the following message ( word for word ) : Good Morning, my name is XXXX XXXX and I have an urgent and important message for ..., please contact this office at your earliest convenience recording documents attached to your social security number for immediate processing with your local county courts to receive this important information and also to offset pending proceeding against your name and social. Please contact XXXX XXXX at XXXX reference case # XXXX. Today 's date is XX/XX/XXXX, you have been notified. 

I returned the call to XXXX XXXX. I listened to her tell me she would be filing court papers for a debt against my social for XXXX from Capital One Credit. I proceeded to explain this was the second call in the last few months over a debt that was over 8 years old. I tried to tell her I had already given notification not to make calls to me any longer. She began yelling and screaming at me. I asked her to stop yelling, but she got louder and continued to say ... We will be filing this in the court and move forward to sue you. And then she simply hung up on me.
I called the trans world system inc to inform them that they purchased a debt that has been resolved and to contact the originator creditor, but refused to and asked me to provide proof that I do not have as a co-signer.and threatened of legal proceedings.
On XXXX XXXX, XXXX, Equifax publicly made it known that over 145 million consumers had their personal information hacked from their databases. Equifax has illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, Equifaxs mishandling of confidential and personal information which allowed their systems to be hacked, violated all privacy rights. According to the Fair Debt Collection Practices Act, I believe all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
I reached out to AMEX this week to discuss my sign on bonus. The agent told me I had ~ {$900.00} left to spend to achieve the bonus. I then asked when do I need to do this by. It took the agent several minutes to get back to me and told me the time had expired. I told the agent I wanted the timeline increased to achieve this as it was deceptive that it was never included in any of my statements since getting the card. The agent stated they couldn't do that. I then asked for no annual fee for two years to cover the costs of the card. They couldn't do that either. I went the same round with the agents supervisor. 
I feel that AMEX is not acting in a forthcoming way and they are being deceitful with their practices of not disclosing a timeline on statements when a consumer must spend a certain amount of $ to achieve a sign on bonus. I have spend another {$15000.00} on that card since the date that the agent took a while to find. I have been a good customer for many years and then they choose not to give me the bonus or help with the annual fee.
All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage
On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy at which time both myself and my lawyer attempted to reaffirm my mortgage and OCWEN did not respond to the many requests we made. They then reported my mortgage as past due to the 3 credit bureaus and stopped reporting any of my payments. I filed a complaint with this agency ( CFPB Case Number XXXX ) OCWEN review my mortgage in answer to the complaint and though they did not reaffirm the mortgage, they did admit that the mortgage was current, they supplied a detailed account of the mortgage activity for the previous 33 months and confirmed that as of XX/XX/XXXX " the account is contractually next scheduled forXX/XX/XXXX. '' On XX/XX/XXXX I received a certified letter of foreclosure in the mail from OCWEN stating that they had not received my XXXX nor XXXX payment. I also subsequently received 3 more notices stating that my house was in danger of being foreclosed due to non-payment of my mortgage.

I have spoken with 2 individuals at OCWEN who are insisting that my mortgage is not current, one said that it was 2 months behind and the second one said that it was one month behind. My last conversation on XX/XX/XXXX I informed the individual that my mortgage was current and requested that they send me confirmation of that in writing within 5 business days and I have not received a reply. 

My mortgage is current. I have the reconciliation of my mortgage account OCWEN provided showing the mortgage current through XXXX, I have a print out from my bank account showing all the payments that were made electronically and I have all the monthly statements from OCWEN showing the payments being received. 

I do n't know what happened in XXXX, but it looks like someone went in and misapplied payments on my account back to XXXX and that created a problem on my account and they are unwilling to admit that they are at fault, or they have deliberately done something to my account to try to fraudulently foreclose on my house for non-payment. 

My mortgage Is not behind, it is current, the next payment is due XX/XX/XXXX and would like OCWEN to immediately stop this nefarious activity against me.
I received the copy of credit report which has a lot of mistakes on it and some of the things you allow me to click on and dispute but then when you go to finalize the dispute it tells me you ca n't process it I do n't know what the point of even offering it if you ca n't process those particular things online so that 's why I 'm contacting you on here. 

I have never been known by XXXX XXXX XXXX trying to dispute it but it will not let me. 

I have never lived at XXXX XXXX XXXX XXXX Michigan I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas There are multiple accounts that are showing up on my credit report you are the only one still reporting these I do n't understand XXXX and XXXX have all removed the fraudulent accounts what information is it tthat you need to get these accounts remove? 

XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX
Company refused to send me a settlement offer letter prior to making payment - asked multiple times and they kept hanging up on me after trying to transfer me to a manager. 

I asked for this to be removed from my credit report if paid in full due to the fact it is considered a utility bill and they refused and said that is not possible. 

As an American male of the age of XXXX I am aware of my rights and they refused to comply by them. 

After days of arguing with them I decided to pay the settlement in full - they barely verified any of my personal information which made me a little nervous about giving them my payment.
Kohls {$25.00} balance In all the years I've been a customer and never had a late payment, i had a {$25.00} balance that slipped my mind. I wasnt notified with a statement balance that I normally always got in the mail. Instead they reported me to the credit bureau and refused to remove it.
REFERENCE NUMBER XXXX I had a joint tax lien of XXXX, The IRS granted me full innocent spouse relief, the lien was later withdrawled per IRS and XXXX XXXX XXXX. Equifax took off the other lien but are still reporting this lien. I have sent them everything proving I do not have this lien faxed and online, all the paperwork, I have called them and XXXX XXXX XXXX said they are NOT reporting this. I do n't know what to do I do not have this lien.
I recently applied for a XXXX XXXX XXXX in store. I was granted credit and filled out an application and supplied my home address ( XXXX XXXX ). My name and address was verified by the store representative based on my state issued picture id I provided. My card was issued by Comenity Bank and mailed to XXXX. The resident there was kind enough to deliver the misaddressed mail to me XXXX this has been happening frequently ). Comenity Bank disregarded the ( correct ) address used on the application, Comenity Bank then changed the mailing address and mailed the card to the address provided by my credit reports ( wrong ). I also question how they changed my name to a unique blend of my married and maiden names. I have contacted Comenity Bank and allegedly they have corrected the issue ... ... Until they are again supplied incorrect information from my credit reports ... ... It seems to be a vicious circle of constantly evolving incorrect data. 

reference CFPB complaints : XXXX, XXXX, XXXX, XXXX.
I recently pulled my credit report from Transunion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.
CLled my ex husband, mother, sister and now me at my job. Asked for my supervisor. I told them to not call me or my job. a Mr. XXXX XXXX became very argumentative and told me they were going to show up at my job and had already tried my home.
I took out three student loans in XX/XX/XXXX. After being denied a lease at an apartment due to having " 15 negative accounts '' on my credit report. I thought this was odd as I six accounts. XXXX credit reporting company has it correct, however there are three mistakes with my student loans. I took out three loans of XXXX. It seems every time my loan changed hands it created a new account and added another negative account to my report. there are also duplicate listings with the original lender listing the loans as 150+ past due. Also as I defaulted on my three loans after having my taxes taken to pay what it would I entered a loan consolidation. The loan consolidation also appears to have caused this issue but also there are new accounts for each of the account acquired for consolidation as well as the sum total consolidation account. this happened for the original consolidator as well as the current owner of the account.
I disputed my inaccurate XXXX item with Equifax. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is zero, which it was. Anyone could look at the item and see that it was inaccurate, without information from the furnisher. Equifax made no effort to investigate. Please delete this item.
On XXXX XXXX XXXX I received a judgement against me in the mail from Johnson mark llc. I called to see what the judgement was for and to ask why and how they could get a judgement without notifying me. They said that they had served me XX/XX/XXXX but I had not been served or notified of this debt. I did some digging and found out that the debt was from a credit card that i had had a few years earlier. I thought the card was paid but I could n't be sure so I went down on XX/XX/XXXX to Johnson mark llc office in XXXX Idaho and paid the debt in full. I asked multiple times that the debt was paid and that the garnishment was taken off the secretary said she would do it right then and I waited as she entered the information on the computer. She said it was done and then I asked to speak to the attorney XXXX XXXX and asked him the same questions which he replied that it was paid in full and the garnishment was taken off. On XX/XX/XXXX my paycheck was garnished for around XXXX dollars. I went down to talk to Johnson Mark llc and was given the run around about how they did n't have a receipt for my payment that it was n't in their computer and that if money was owed back to me it could take days or weeks to refund. I have all the receipts showing that it was paid in full on XX/XX/XXXX which I showed him. He was not surprised seeing that he was XXXX of the XXXX people that helped me when I went in and paid it. Thank you for your time.
Im contacting you regarding in proper banking practices regarding Us Bank home mortgage I have had my mortgage with this company since XXXX I have a serious health problem that I knew would result in XXXX and cause sometime off of work. Therefore, I made payments in advance in order to prevent and payments being missed. I did have my XXXX, and within the week my phone starts ringing about my mortgage payment I told the representative about my advanced payment but some how the advanced payments werent applied anywhere to my mortgage. I requested a payment history report. I was shocked the way this bank was applying my payment and moving money around in my account. Escrow payments are being moved into a advance payment accounts and then that money seems to disappear from my account. My payments are being placed in a suspense fund, them being moved to make payment to the account and then collecting additional late fees twice on the monthly payment. When the money is moved from suspense the payment dates dont change cause the same month to be paid multiple times. I have provided several examples of my payments being misapplied but nothing is ever updated or changed. All the payment history reports clearly show the misappropriation of fund, yet my account is never updated or changed it. Clearly this company isnt interested in excepting responsibility for their actions and correcting the problem. The company also returned my monthly payments I was making during this supposive investigation causing my payments to fall behind. I feel their only interest is to colect more fees and cause foreclosure due to the equity I have in my home. 
Also in XXXX after losing everything we owned in a historic flood, my insurance benefits had to be sent to the bank for them to release the money for our home repairs. Once the bank received our insurance check they refused to release my insurance money for home repairs until we where 90 % complete. Therefore I had to remove all money from a XXXX and max out my credit cards to rebuild my home while the bank held my money!! We never missed any of our payments during this devastating event We have been good customer to this bank, I feel a complete review of their policies and banking practices need to be investigated. I feel as a consumer my family is being taken advantage of by this institution and feel we are being bullied with foreclurer on a account that isnt past due All of the year end statement this company provided shows overpayment on this account every year as well as missing money from escrow, advance payment accounts and my suspense fund
I have a mortgage and my mortgage company collects escrow and pays for my property taxes out of that escrow. Unfortunately, they collect the escrow but fail to pay the taxes, resulting in my being delinquent in my taxes and being fined by my town.
XXXX XXXX still shows a balance of XXXX on my credit thats really affecting my credit. the date showing that it was open XXXX XXXX-2017 i even fix my credit in the past so for no reason it should be showing. But it even show charge off Im hoping we can get this resolve so I can see a improvement on my credit because of future purchase that Im planning to make this would help me a lot.
I AM FILING THIS COMPLAINT BECAUSE XXXX, EQUIFAX, AND XXXX  HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XX/XX/2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   ACCT # XXXX XXXX  XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY METRO 2 DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE CRSA, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF IT.I AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN METRO 2 COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE METRO 2 COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE
I have been a Chase checking customer for about 15 years. I currently have both a personal and a business account with Chase. Last year, I was induced by XXXX XXXX in the XXXX XXXX, California branch to open a Chase Private Client ( CPC ) account. It was a very " hard '' sell. XXXX XXXX told me explicitly that XXXX % of the fees associated with my business account would be waived if I became a CPC client. I signed up for the CPC accounts ( ONLY because of the promised waiver of fees ) and soon noticed that I was incurring monthly service fees as well as fees for incoming wires. I inquired on multiple occasions from both CPC bankers in my local branch in XXXX XXXX as well as bankers in other branches as to the reason for the ongoing fees. The bankers said the fees were due to the fact that my business account was not " linked '' with my personal CPC accounts. These bankers then informed me ( on multiple occasions ) that they had in fact " re-linked '' the accounts and the problem had been rectified. As a courtesy, the bankers also credited back many of the incoming wire fees stating that they were doing so because the fees were assessed in error. Nonetheless, I continue to incur fees for both monthly account maintenance as well as incoming wires. Recently, I asked XXXX XXXX to reverse several incoming wire fees and he refused. He was extremely rude and stated the wires were my problem. I would like Chase to honor the word of XXXX XXXX and waive all fees associated with my business account. I also ask that Chase discipline XXXX XXXX for making false claims to a customer in order to make a sale. 

Also, I was urged to put my savings into XXXX different JPMorgan-managed investment funds. XX/XX/2014, I was faced with a considerable tax bill for income in the accounts although I had not realized any gains or income. My private banker was completely unable to provide a satisfactory reason why I was facing a large tax bill when I had received no cash nor realized any gains. I feel like I was pressured into investment accounts that only benefit JPMorgan through fees. 

I would appreciate a response to this email. I have been a loyal Chase customer for many years and would like to remain with the bank. Please address my concerns so I can continue to bank with Chase. Thank you.
At the start of 2016, I placed credit freezes with all XXXX credit reporting agencies. I was given 'pin ' numbers in order to set the freezes up. Now I want to apply for additional credit and a car loan. I placed temporary credit lifts with XXXX and XXXX with no problems. However, Equifax refuses to temporarily lift my credit freeze. They want me to send them my credit card number for payment. This service is supposed to be free here in Indiana. They are saying it is free for 'protected ' individuals only. If this is so why did the other XXXX agencies lift the credit freeze for free. For your info I am a XXXX individual. I have been in contact with Equifax continually to no avail. They are deliberately holding me hostage to this credit freeze until I pay them. This is extortion.
We have a business account with TD Bank. The account was set up but they failed to set up the online banking correctly. This resulted in the Bank 's failure to provide proper notifications and alerts. We advised the Bank of this issue on several occasions. 

Instead of taking corrective action to provide remedy to correct their errors, they charged over {$500.00} in NSF fees. It appears the Bank is intentionally trying to create opportunities so they can profit from NSF fees. The Bank was aware funds were available in other accounts and could be easily transferred from another account. If the online Banking and Account Notification system had been set up correctly by Bank initially, the account NEVER would have been in a position to receive NSF fees. 

The last time we spoke with the Branch Manager, she said we could " go somewhere else if we did n't like how TD did business ''. 

We propose remedy to this situation by having the fees refunded, disciplinary action against the Manager who failed to be courteous and take corrective action, and a letter of apology. 

We will also take steps to forward this complaint to the appropriate Lawmakers to address the situation of Banks overreach to profit from consumers.
There is no debt. They refused to send documentation, were argumentative on the phone, presented an option to settle, and said they sent an email that i was expecting but never received. after further research I discovered that this number is fraudulent.The number is XXXX
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any variation of my name. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX FLAT XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX