WillisBack/dataset-financial-user-claim huggingface dataset:
Called on my XXXX credit card for a balance transfer of {$2400.00} to their account. Had always liked this company and was given good service in the past. After going through the typical security questions, I was transferred to another person who only handled security. That person began asking if we had ever owned ( and then gave a list of XXXX-XXXX cars ), that happened 4-5 times. We have been married 52 years and do not remember all the cars we have owned. Finally remembered one she listed. Then asked my husband if he had lived in only one state. Answered no, told her which ones and then she asked from which state his social security number had been issued. It continued with asking about our children. By name, about our daughter who has been out of the house for 26 yrs and is married, where does she live. Then about our son who has been out of the house for 4 yrs. And then about our son who lives with us, age XXXX. During this time of questioning we began asking how does this info apply to this situation and where did they get this info. Was told that all of it is public info but no answer was given on who provided this info to them. At the end, the security person finally gave her approval for us to do what we wanted ( a balance transfer ). At which point we declined, because we had no idea where all of this was coming from, and did not feel safe in proceeding. We let them know throughout the whole issue that we had never gone through anything like this and did n't feel this was right. And for the record, we called one of our other cards and had it done in less than ten minutes. We called the XXXX and they told us to call the Attorney General 's office in OH and they referred us to this agency. All said this did not sound right to any of these agencies and that we should continue to report this especially the questions about our children. They had never heard of anything like this.
I have been a victim of identity theft. 
I have sent a copy of the ftc identity theft affadavit, social security card, drivers license, police report, proof of address and everything the credit bureaus requested to block the identity theft off my report. They have violated my fair credit reporting act and refuse to do anything unless i buy their identity theft program. 
They barely speak any english, refuse to give you a supervisor and is next to impossible to find a number for a real person and not automated without buying their services.
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : Chase has refused to give us the complete life of loan history despite our Requests for Information. We requested the life of loan history after we successfully completed our Chapter XXXX Bankruptcy in XX/XX/XXXX. In XX/XX/XXXX Chase sent us a mortgage statement showing we were past due on our payments by several months in the amount of {$6700.00}. We were not behind. Also, the statement showed we had an escrow balance of XXXX. Chase stopped taking our mortgage payments and caused us to go into default. Case Bank then reopened an old foreclosure action from XXXX, telling the court we were in arrears when we were not behind. They set up a Sheriff Sale to take our home. We complained and had an attorney help us stop the sale. We have asked for the complete Life of Loan history showing all payments and credits in real time for our loan and Chase has refused to give it to us. Instead they gave us a partial Life of Loan and then a summary of payments. We cant tell what they did with our account and we still want answers. We believe we have overpaid on our mortgage loan and we need to complete Life of Loan history to see what happened. We were having problems with Chase before we filed our Chapter XXXX Bankruptcy in XXXX of XXXX. We have made several requests for information and notices of error and we can not get the complete records. Chase has also refused to provide to us all our case notes despite our requests for information. They state that CFPB regulations prevent them from doing so. Chase told us that We are unable to send you servicing notes going back to when Chase began servicing the loan. On XX/XX/XXXX, new rules from the Consumer Financial Protection Bureau went into effect that requires us to provide this information from that date going forward. Chase has not told us what regulations prevent Chase from giving us all the Chart notes even though we asked them for this information in a subsequent request for information. We want the complete Life of Loan history and our complete Chart notes from Chase. We are concerned that they are hiding things and that they made a false statement about the CFPB rules that went into effect on XX/XX/XXXX. Please advise Chase to comply with our requests and let us know what your regulations allow and require Chase to do here. Sincerely, XXXX and XXXX XXXX
Re : Personal Finance Company I'm currently having hardship and I can not make regular payments for this creditor. I requested not to be contact at work. Person from this company has been harassing me at work, I'm not allowed to take personal phone calls at work. I requested this person not to call me at work and he still does.
Equifax shows my credit rating today as down by 18 pts. Due to two hard inquires by XXXX   XXXX XXXX. I did not arthorize the inquiries and and I have not applied for a morgage or any other credit.
I refinanced my home in XXXX with an FHA loan so I could do a less than 20 % down payment. Origination date was XXXX with first payment being XXXX. Mortgage holder is Roundpoint Mortgage. I received a notice that my escrow was in arrears in XXXX of XXXX after they did some sort of escrow analysis that I was n't informed of. Long story short, I wasnt paying mortgage insurance nor was I ever informed that I had to until that date. XXXX XXXX I began paying insurance and was n't assessed a penalty because it was their mistake. Fast forward to this month, XXXX of XXXX. I am selling my home with closing taking place next week. When I received my payoff statement there was an additional charge of XXXX dollars on top of the remaining principal. When I contacted Roundpoint they informed me that it would he for the balance of the insurance carried through until the original end of term for the mortgage even though it will be paid off in full next week. I am aware that it is possible to be charged one more month but was never informed until payoff time that I would have to pay insurance for a loan that wo n't exist after next week. Roundpoint can not even give me an answer as to why it 's that much. Even if prorated, MIP is .008 % of the original amount. I may need to delay paying or even cancel the sale due to the unfaithfulness of this institution in reporting their payment practices to me correctly.
OnXX/XX/XXXX I was contacted by my neighbor and told that Pioneer Credit Recovery inc. had called their home repeatedly asking for a particular person that had lived at my address, they had also contacted 2 other neighbors in the past few months. Although the neighbors stated they did n't know the person they kept calling. I was given the information so I called to tell them to stop harrassing my neighbors. I Spoke with XXXX who was very curt and a little rude ; she was implying that I was said individual, asking for personal information and was interrogating me like I was lying or a criminal. I told her they were in violation of the FDCPA act and she said they were n't and could call whomever they liked to get answers to their questions. I let her know I would be reporting them to various organizations and she said I could call whoever I wished and it did n't matter. I told her to stop harassing my neighbors and she stated she would remove said address and numbers. Later that day I spoke with Manager XXXX who used the same strong armed, interrogation tactics as XXXX basically said they could call whomever they like, that they were n't violating anyone 's privacy or the FDCPA and neither of them told me I could file a cease and desist complaint with them directly, I was informed of this by another agent named XXXX who I spoke with before XXXX. XXXX had not removed the information as stated and while XXXX claims he did remove the information and the calls would stop ; I do n't have faith in their honesty. I 'm hoping they will no longer bother anyone Again. Their number is XXXX
I have an account that is incorrect on my credit report XXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX /XXXX XXXX XXXX even had the right person or the proper account!
On XX/XX/2018, I spoke with an XXXX XXXX representative to set a Promise To Pay starting on XX/XX/2018 for the amount of {$50.00}. The agent agreed and stated the the arrangement would extend through XXXX but will go back to the original agreement in XXXX. 

On XXXX XXXX I paid the agreed upon {$50.00}. I began receiving harassing collection calls including robo-calls at least 4 times per day. On XX/XX/2018 I called XXXX XXXX and asked that the calls stop. The representative was extremely rude and stated that if I were placed on the " Do not call list '' my bank account would be automatically debited for the outstanding amounts. I stated that I have not authorized XXXX XXXX to automatically retrieve funds either by direct debit or ACH transfer and that I am revoking any access to said bank account. On XX/XX/2018 I paid {$100.00} towards my loan. On XX/XX/2018, XXXX XXXX made an unauthorized debit from my bank account in the amount of {$120.00}. 

On XX/XX/2018, I called XXXX XXXX and the representative stated that she can verify that I had an active " Promise to pay '' that had not been broken and that I had asked to be placed on the " Do not call '' list and that I had " Revoked '' any access to my bank account. I was placed on a repeated hold so that she could reach out to the correct agent as she was not in the department that could resolve the issue. 

Because she was unable to reach the correct department, she stated that I would receive a call back. I never received a call. On XX/XX/2018. I once again reached out to XXXX XXXX but once again received the run-around and no one will return my calls. On XX/XX/2018, I was notified by my bank that XXXX XXXX made another attempt to debit my account this time in the amount of {$140.00} but was refused due to insufficient funds.
Claim number XXXX. I disputed a charge and Bank of America chose to believe the merchant over me. They denied my claim and said that the evidence the merchant submitted was compelling and didnt even ask me if I had a rebuttal. XXXX told me they would reduce my cell phone bill but that it would not happen immediately, I said since it wont happen immediately then cancel it. They then said it would show up on my next bill cycle even after I told them to cancel it. This happened in XXXX, 3 bill cycles have gone by and I have not received the service they claim to have given me. My phone bills are attached along with their email saying they would give me a refund. What compelling evidence did XXXX  give you?? Why didnt Bank of America ask me if I had anything else to add once the merchant refuted the charge? For Bank of America to assume my claim is false just because the merchant responded and said something different speaks volumes on how they really value their customers, and then tell me to fax them some documents and my claim may be  reconsidered??? I dont think so. If my account is charged for this amount on XX/XX/2018 I will take legal action against Bank of America and not XXXX.
AR resources was told this was not my debt, and placed under dispute, they talked to the VA and VA told them it was not my debt, but still filed a collection agaisnt me
WE bought XXXX XXXX 's on the same day for our sons going to college XXXX of the cars was in a total loss accident. XXXX XXXX and Toyota got the account numbers wrong and payed off the wrong car. We had no idea what had happened we continued to pay the payment as agreed, not knowing what had happened until going to the DMV to get license for the other car they informed us that that car was showing a total loss. Toyota meanwhile set up another account and we was not may aware and they turned in the other XXXX as being late I contacted them and they said it was XXXX XXXX fault because they requested they wrong title, and they were to correct our credit report but that did not happen.
XXXX and XXXX has sued me without providing any information to me. The only notification I got was from the court saying I was being sued. The debt was owed to Bank of America for a credit card I struggled to pay. The amount was over {$2500.00}. I immediately called them to talk to them and find out more about what was going on. I set up a payment plan and began to pay. I ran into a hardship and was unable to pay one month and they immediately went to the court to get an order to garnish my bank account, both checking and savings. They stole over {$2000.00} in my student loan money without notice. From what I 've read, that in itself is illegal, to take federal student loan money. They blamed the bank for the amount of money they took and said it was up to them. I checked this with the bank and they vehemently denied that and said that they were only doing what the court order said. They refused to release the funds back to me and continued on their business. I once again set up a payment plan. This time I had learned a lesson and was faithful to my payment plan. The agreement was to pay {$50.00} every month at the end of the month. I did so, yet after I made my second payment to them, they garnished my bank accounts once again. I was told that once I made an agreement to pay monthly installments, this would n't happen. Needless to say, I am beyond furious because this is the second time they have taken every penny from me and left me without rent money, jeopardizing my housing situation. I believe this is poor conduct and probably illegal. I called them after finding out about them draining my account and they would n't talk to me about why this has happened. They say there was no payment agreement in place but I explicitly remember having a conversation with XXXX XXXX. He failed to put that in place or to even make a notation on my account to indicate such an arrangement.
Since XX/XX/2018 the company EOS CCA has been reporting false information to XXXX, XXXX, and XXXX. This company has committed fraud by reporting false information. I have contacted this company on several occassions and informed them that i have FULL MEDICARE COVERAGE and have for the last three years. I have mailed in documents. Also the creditor has billed MEDICARE and have been paid.
I have sent the credit reporting agencies multiple letters about inquiries reporting on my report without authorization from me, I have tried to contact the company as well with no success. I have uploaded the letters that was returned to me due to vacant property, FTC REPORTS ALL COMPANYS AND CREDIT REPORTING AGENCIES MUST BE IN COMPLIANCE DISPLYING ACCURATE INFORMATION.
These people ( ERC ) calls me at all kinds of hours with different phone numbers. At XXXX point I had some guy called me, he had a deep XXXX like accent with and American first and last name. He claimed that I owe a debt but refused to tell me what company or what debt I owe without giving him my social security number. After I told him I refuse to pay a debt without any verification he used profane language with XXXX and threats to sue me and or put me in jail and give me a bad credit report. I believe they are the ones messing up my credit because I am in good standings with my debts. Some are nicer than others but they use the same tactics of trying to force you to give up personal information without verification of debt. I believe that most of them are of XXXX decent and all of them use American names, I do n't know if it 's part of their tactics but I believe it is misleading and illegal. Please stop these people from harassing me.
Port Folio, representing XXXX, is trying to collect a debt that is more than 4 years old. It was acquired XXXX, I now live in XXXX. According to the debt collection laws, XXXX states say that the debtors can no longer pursue you after 4 years. They keep calling me on my private cell phone number I have no idea how they got it. I lost my business XX/XX/XXXX due to the economy collapse and could no longer pay my credit card. The last payment was sent to them XX/XX/XXXX.
After reviewing my Transunion credit report I was very concerned to realize that I had XXXX negative items listed that are both medical cebt from the same company XXXX XXXX with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ). This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from XXXX XXXX stating that I owe the debt nor have they legally validated the debt after several disputes with them as well as Transunion I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX. This is also validated through XXXX the original debtor which I am including in documents. I have disputed the validity of this debt with Transunion and XXXX XXXX multiple times. I do n't know how Transunion or XXXX would accurately or fairly verify the accuracy of this debt and still remain within HIPPA guidelines. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow Transunion the promptly remove these inaccuracies from my report All account posted to credit bureau on the same day. 
FMS XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX
Equfax ' s employment verification service at  XXXX  claims they protect my private information, but uses my social security number as identification for a verifier to verify my employment. Not only is this not protecting my private information, but it is an invasion of my privacy and exposes me to fraud and identity theft.
I send yous a complaint recently about my XXXX mortgage. I have XXXX mortgages I 'm trying to combine both of them together yous wrote back to me about it saying yous got of hold of suntrust mortgage with the loan I 'm with I talk to them and they told me they ca n't combine my XXXX mortgages which I 'm not happy with because when I got the loan they told me I was going to be able to combine and refinance both mortgages and now they say they ca n't and they said they can modified my second mortgage but I need to put 5percent down which I do n't have and plus I 've been having this home for more than 8 years and I have paid more than doubled the price with all this interest they change me I ca n't afford to pay my second mortgage I 'm working less and they do n't seem to care after all this years I 've always been on time and now I ca n't they keep calling me at first I thought they were calling to negotiate because yous have got a hold of them and no they were calling for the late unpaid mortgage and when I did get of hold of someone they said I need 5 percent down if I want to modified my second mortgage which I 'm not very happy with because I 'm tired of paying to much money and to much interest so if yous can please help me I would really appreciate it I do n't know were else to go I do n't have any money only bills and bills and it seems like they are not even trying to help me hope to hear from yous soon
In  XXXX   2016 , I made a debt settlement with a company called  XXXX . The original debt was just over {$1800.00}. The debt was settled for {$750.00} even. I had taken out a personal loan at my local credit union to pay for this debt. My credit union mailed out the check. I called  Barclaycard  a few weeks later to confirm they received the check. They did confirm the check was received and that my account has a balance of {$0.00} and is closed out. 3 months later, I receive mail from  XXXX   XXXX   XXXX  stating they are a debt collector and that I owe them just over {$1800.00}. I called to inquire about the debt, as I had my credit union completely pay off all my credit cards and should n't have anymore debt.  XXXX   XXXX   XXXX  stated they bought the debt from Barclaycard. After dozens of phone calls, neither company can help me. Barclaycard has hung up on me many times when asking how to handle this.  XXXX   XXXX   XXXX  does n't seem to have a single employee who can speak decent English, let alone understand what I 'm explaining to them or how to handle it.
On  XXXX   XXXX     2017 PayPal d ecided to please limitations on my account and place a holding on {$1600.00} on my money for a period of 180 days. With out giving me a reason why after numerous emails and phone calls all I was told is it 's there policy and in the user agreement. When I asked to review what has caused them to do this I was told I would need a court order or subpoena to do this. After days of research I have found that this is common practice for them. They have had  XXXX  class action lawsuit they have settled over this and still continue to do it. After filing a complaint with the Better Business Bureau,  PayPal response was they cleam fraudulent activity and for fear of  charge backs on my account, I have had zero complaints against my account. After reviewing there user agreement, it  States that any buyer protection is only good for 45 days, so why are they holding my funds for 180 days? When  I asked if I would be received an interest for six months I want to hold my money The customer 's service agent I was speaking to on the phone just laughed and said no. They are collecting interest on my money for their profit and they stayed this in the user agreement. This is completely illegal.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior.