WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XXXX, I had a {$300.00} loan with Ace Cash Express where I paid this company back using an debt consolidation company. Yesterday, XXXX XXXX, XXXX I received a notice from a XXXX XXXX XXXX, address XXXX, CA XXXX, stating that they are going to sue me on behalf of Ace Cash Express in the amount of {$840.00} for a payday loan for {$500.00} when I advised him that I never had a loan with Ace for {$500.00} and that the {$300.00} loan was paid back in XXXX and that I am requesting documentation stating that I had a loan for that amount along with the bank account and contract that I had this loan, the man refused stating that he will not give me any documentation that they will be using in court against me that I have the option to pay them or be sued. I advised him that he is violating my rights with the Fair Debt Collection Act, I am entitled to that documentation and that he is violating my rights. He disconnected the line. The phone number is XXXX, I also googled this number and there is several complaints of fraud listed under this phone number where they were scammed out of money.
On XXXX XXXX, 2016, I signed up for a 7 day trial to receive my XXXX score for {$1.00}. On XXXX XXXX, 2016, I called and cancelled my trial period. I just found out on XXXX XXXX, 2016 while checking my debit card details, {$24.00} was taken off of my card by Experian. After speaking with them I found out that they have taken the following from my debit card. On XXXX {$21.00}. On XXXX {$21.00}. On XXXX {$43.00}. On XXXX {$21.00}. The XXXX/XXXX/16 for {$24.00} was the only XXXX refunded and they said that they cancelled my account. After speaking with Experian and letting them know that I had cancelled my account with them before the 7 day trial was up, they refused to listen. Due to having XXXX XXXX, I have to write every day, date, time and the name/ID of the customer service representative I speak to when it comes to anything important such as this. Experian would not do anything about their mistake and I 'm hoping that you will be able to help me get back the money that is owed to me. They had no right to take it from me to begin with.
Received a phone call from a " Third Party '' in regards to a legal package that someone was going to come to my work to give me, he would n't give much info advised me to call XXXX for more information and he would put on hold for one hour, serving me at my job and " embarrassing me at my place of employment '' I called number explained what this man told me that called from Unknown number. The woman XXXX XXXX confirmed and said thank you for calling and taking care of this. She advised I saved myself {$2500.00} in legal costs ect. I set up arrangement and paid over {$400.00} right then and there. Once I got off the phone something did n't feel right, I realized this was an old debt that was too old for them to collect on. Called right back and asked for documentation showing that the court order was canceled. Which XXXX notified me on the previous call to her that they would cancel the court order. She then said it was a pending legal action and it had not yet went to the courts. That is when I realized they lied to me and violated my rights. I spoke with her supervisor XXXX XXXX ( which by the way has very, very similar voice to the man from 3rd party which I have a voicemail on my phone from ) He said they will remove one of the payments due to the mis information, we discussed for a while, then said he would remove two payments and settle for what I had already paid {$430.00}. I explained how I felt and that my rights were violated. He said if I did not feel comfortable paying he would refund money. I called him the next day asking to be refunded because I was lied to. He argued with me saying he will refund but I am just trying to get out of paying the debt. I would have never gave a payment of {$430.00} if I was trying to get out of it. My rights have been violated and this company should not be able to call and lie to people who are already having a hard time paying bills. I am a mother of XXXX, and have many financial obligations. I am upset that they called and lied and preyed upon someone just for a payment.
My husband and I were involved in a personal Chapter  XXXX  bankruptcy case in  XXXX . The case continued for several years and was successfully closed on  XXXX   XXXX ,  XXXX .   We sent copies of the final order closing the case to all  XXXX  Credit reporting agencies ..Experian,  XXXX , and  XXXX .     We hired a credit repair service to work with all the agencies and creditors that had incorrect information. Most responded and after working very hard for several years, we saw major improvement in our credit scores from all  XXXX  agencies.      XXXX  has corrected my status to show that the Bankruptcy is closed, Experian and  XXXX  still show me as in an active/open bankruptcy.     I am attaching the order from the US bankruptcy court officially closing the bankruptcy
I recently applied for and received an American Express Delta Skymiles credit card. I since activated it and used successfully for XXXX internet purchase. I tried to make a XXXX shortly after and it was declined. Not being familiar with AmEx I thought maybe the merchant just did not accept american express and they did n't have anything specifically stating whether or not they accepted amex. I tried to use my AmEx card to rent a car at XXXX XXXX rental at XXXX airport in XXXX SC several days later and was told that the card was declined. I called the customer service number on the back of my card and was immediately transfered to the fraud protection department. The representative asked for my name and birth year to verify my account. I provided the correct information, then the representative asked if I had the reference number that was left on my voice mail. I said that I did not, he checked to see if there was another way to verify my identity and after a few moments he said he was sorry that he was unable to verify my identity and I asked what was wrong, he said my account was flagged with a fraud alert. I explained that I had n't received any missed calls or voicemail. He said to keep the line open and they would call back within 72 hours. I went online and signed into my account to see if there was anything I could do from there. I noticed there were XXXX numbers on my account, my work number and my cell phone number, XXXX of which I can not edit and which I can only see the last XXXX digits. After that i figured what may have happened is that they may have called the office/work number, which is the main number and not my direct line and either does n't have voicemail and if it does i do n't have access to it. I called back and explained to the representative my situation, she said she would remove the reference number and would call me back. I asked to please call me back on my mobile number and she said not to worry they would try all phone numbers on my account. I did not receive any call and over a week passed by. I received an email this morning stating my account would be close due to a fraud alert and they have been trying to contact me but could not reach me. I called back this morning a little irate and told them this was getting ridiculous, they lady said she would have a supervisor call me back and ask if there was a preferred number. I gave her my mobile number which is listed on the account, I still have not yet received a call. I just want to use my account, this is very frustrating and it feels like some kind of scam. i have since received a bill/payment due date for my XXXX purchase, yet they wont call me back. Someone please help!!! This is the worst experience I 've ever had with a credit card company.
XX/XX/2015-as End of term on loan-balance XXXX of a 5yr loan. Honda Financial began calling repeatedly -placing calls to my work & home XXXX within a week- ( they have been asked NEVER to call my job ) -on XXXX call, Honda told me that the last payment should have been XXXX I informed HONDA that the last payment was out of my financial possibility ( monthly note XXXX. ) that the XXXX pmt has been made and that the last principle payment would be make in XXXX. HONDA- refused to make arrangements with me due to end of term??!! and began calling and harassing. I have asked HONDA to remove my number, I 've never missed a pmt, stop calling me-I 'm a human being PLEASE please stop going by your computer and be human ... .final pmt will be made XXXX - they informed me how they are going to report this as LATE on my credit, although it 's NOT -- I 've noticed throughout the life of my loan HONDA charged me a constant XXXX as late fees ( even when pmt was on time or with in a few days of due date and additional XXXX late fee ) in which HONDA automatically would charge the next month on the statement -when asked about the XXXX cent / and the double late charge -- I was told that its because HONDA applies the new payment -resulting in a late charge on my account -- I felt threatened, I told HONDA I 'm reporting this situation - I feel harassed, are they trying to MAKE me PAY moneys what I do n't have?? I have never heard of the last payment on term loan HIGHER THAN the monthly note -please assist on that matter. As well as I am concerned I may have be over charged in my interest on my loan -- please contact me with how do I place my name for review in that class action law suit??!!
On XXXX XXXX, XXXX, I contacted Bayview via fax and notified them that the loan for which it claims to be servicer was cancelled by written notice mailed to XXXX XXXX XXXX at least as early as XXXX XXXX, XXXX pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX that same letter, I asked Bayview to not contact me again regarding the loan at issue. Since that time Bayview has repeatedly contacted me falsely claiming that I have " requested to be reviewed for a mortgage loan modification. '' I have attached a small sample of the letters Bayview sent after I asked them not to contact me dated ; XXXX XXXX, XXXX ( XXXXXXXX ), XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX, XXXX XXXX XXXX ). These represent but a few of the harassing contacts and the frequency of the dates are a clear indication of the harassment. On XXXX XXXX, XXXX, Bayview sent a representative to my home claiming that Bayview had not heard from me and that Bayview believed that I had abandoned my property. 

Meanwhile, there is another party who has filed a foreclosure action on the very same loan in state court. 

Bayview 's contacts are harassing, and I have already notified it that the mortgage loan at issue was cancelled at least as early as XXXX pursuant to XXXX XXXX XXXX yet it has been months since that notification, and Bayview has provided no response whatsoever. It simply continues to send me modification packages falsely claiming I have requested those packages when I have not.
WE XXXX XXXX XXXX HAD IN TOTAL ( 5 ) CHECKS THAT WERE CASHED AND ACCEPTED BY HUNTINGTON NATIONAL BANK. CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} AND CHECK # XXXX {$3200.00} # XXXX $ XXXXIN TOTAL {$19000.00}. THESE CHECKS WERE NOT WRITTEN NOR AUTHORIZED BY US. THE CHECKS ARE COUNTERFEIT AND CAN BE NOTICED JUST BY LOOKING AT THEM. WE XXXX XXXX XXXX NOTICED ALL THE ABOVE CHECKS WERE CASHED WITHOUT OUR KNOWLEDGE ON OR AROUND X/XX/2017. UPON NOTICING THESE CHECKS WE CONTACTED HUNTINGTON NATIONAL BANK AND ASKED WHY THESE CHECKS WERE NOT DENIED, JUST BY LOOKING AT THEM YOU CAN TELL ARE VERY OUT OF SINC AND COUNTERFIT. FOR ONE WE ALWAYS HAVE OUR PHONE NUMBER LISTED UNDER OUR ADDRESS AND WE ALWAYS HAVE SOMETHING WRITTEN IN THE MEMO BOX, AND THE CHECKS ARE OUT OF SEQUENCE AND THE AMOUNT IS WRITTEN WAY LARGER THAN ANYTHING ELSE. BOTTOM LINE IS THESE CHECKS ARE SO OBVIOUS TO THE EYE WE ARE DUMBFOUNDED THAT THESE WERE ACCEPTED BY HUNTINGTON BANK. AFTER WE CONTACTED THE BANK THEY SAID WE WILL GET RIGHT BACK TO YOU, IT TOOK THEM 2 WEEKS AND THEY FINALLY SAID CALL THE POLICE?? .... UPON CALLING THE POLICE THEY CAME TO OUR LOCATION AND SAID THIS IS A MATTER FOR FRAUD NOT STOLEN CHECKS. TO OUR BELIEF, HUNTINGTON SHOULD HAVE KNOWN THIS OR AT LEAST DIRECTED US. THEY NEVER SENT ANYONE OUT TO OUR LOCATION, NEVER ASKED FOR A MEETING, JUST KEPT PUTTING US OFF, ALL WE WANT IS OUR MONEY THAT WE FEEL WAS CRIMINALLY TAKEN FROM US. THIS COULD BE HAPPENING TO SOMEONE ELSE AS WE SPEAK AND FOR HUNTINGTON NOT TO GET ON TOP OF THIS IN A TIMELY MATTER IS GOING TO CAUSE THAT. A LADY CALLED US ON XX/XX/XXXX SAYING SHE RECEIVED A CHECK FROM US AND DID NOT FEEL COMFORTABLE CASHING IT. SHE SENT ME THE CHECK THEY SENT HER AND TOLD ME IT WAS A SCAM, SHE SAID SHE WAS LOOKING FOR A JOB AND THEY ( SOME COMPANY ) WAS GOING TO SEND HER A CHECK AND SHE NEEDED TO CASH IT AND SEND THEM {$2000.00} FOR HER SUPPLIES AND KEEP THE REST WHICH WOULD BE {$1400.00} SENT BACK TO THEM, THIS IS EVIDENCE THIS WAS ALL A SCAM. ALL WE ARE ASKING FOR OUR MONEY BACK TO OUR ACCOUNT WHICH SHOULD HAVE BEEN PROTECTED BY HUNTINGTON BANK. IF CAN NOT BE PROTECTED BY YOUR BANK WHO CAN WE TRUST TO BE PROTECED BY.
My bank ( Bank Of America ) debited my account over {$840.00} for a legal action taken against my account ( It was an old debt. ), and then debited {$120.00} service fee for the task of performing the debit. They had done so without any prior warnings. not even an alert which im enrolled to receive. So as I paid a couple of utility bills, I paused to check my checking balance. and was in total shock to see my balance was -XXXX I was over-drafted by {$35.00} and that was the over draft fee. The next few days I was heavily bombarded with returned payments along with the bank fees and more over draft fees. Which only added insult to my injury.
I have a documented 2 closed accounts with capital one that states on all three credit reports that i have viewed, that my acct. with capital One credit card was closed and a charge off. Therefore Capital one has sold the debt that i supposedly owe as of XX/XX/XXXX with starting Credit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of Capital One and received a call from XXXX at Capital one Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.
XX/XX/XXXX I took out an auto loan with regular payments being made on time. As of XX/XX/XXXX I missed a few payments due to changes in my work hours. XX/XX/XXXX M & T Bank granted me an extension on my auto loan which took my two months that I was late and pushed them to the end of my contract agreement. Which in most if not all cases XXXX out those months and XXXX out any late fees that may have been calculated for those months. Well in my case they did not do that the company just added those fees to my next months bill. XX/XX/XXXX through to XX/XX/XXXX over {$1000.00} to get everything caught up to date. This company has attacked my credit score status stating that my account is delinquent and no payments are being made ruining my credit score. Their account system is very inaccurate 7 months out of my account are dated incorrectly. M & T Bank also claims that they are a debit collection agency which seems to be a conflict of interest if they are a bank. The harass you by calling multiple times a day within a week. It seems like no matter how much money I try to put on my account it does n't seem to get caught up to date. It also seems like no one knows the TRUE POLICY when a customer sends money in early. The also do not let you state where you wish your money to be sent or disbursed. I do not know how to attach copies of all my paperwork but I can mail it to you if want a copy. M & T Bank also makes it very hard for any other banks to buy out my loan they either do not answer the phone or they hang up on the bank that is trying to buy out from them.
I have reached out and placed disputes with each of the 3 credit bureaus on multiple times in regards to an incorrect bankruptcy date listed on my credit report. the date listed is XX/XX/XXXX, the correct date is XX/XX/XXXX. I was asked to send documentation showing what should be the correct date. I sent that information immediately showing the XXXX  XXXX XXXX XXXX bankruptcy court, confirmation information, creditors names, amount owed, monthly payment amount, and lawyer information. XXXX  reviewed the information and immediately removed the bankruptcy from my report. I reached back out to Transunion and XXXX asking why this information is still listed inaccurately on my reports, I have been continuously been told the information will remain on my report for 7 years. I explained not only is the date incorrect, we are past the 7 year period so this should not be reporting on my report at all. I have reached out to the bankruptcy court asking what information they are reporting on my report. The manager XXXX stated they are not in the practice of reporting bankruptcy information to either of the bureau 's. The information is entered into a public system and the bureaus pull info from there. I asked can my personal information be corrected and he said once a bankruptcy is discharged there is nothing the courts can do to correct the information. I also asked I the information manually entered and he said yes, there is a possibility there could have been an error entering my information. XXXX suggested that I call and speak with a manager at each bureau to have them delete the information. I called and provided the information and I was told the information comes from a third party vendor. I reached out to that vendor provided verifying information. The vendor was not able to obtain a report under my name. I reached back out to the bureaus asking how can information be verified if there vendor can not pull a report under my name. I'm continuously being told there is nothing else they can do to help me, just wait until it falls of next year. I explained this is not only keeping my score down, I am unable to obtain new credit, I can't refinance my vehicle, I can't apply for a home loan, and I keep being denied credit. Over the last several years I have worked extremely hard to repair my credit. I went from the low 400 's to 700. I don't have any collection or past due accounts. I have spent numerous hours,  money faxing documents, and scanning to each bureau. This inaccurate bankruptcy information is to old to be reporting and the date is incorrect. I desperately need help getting this item removed. The FTC instructed me to enter a complaint with the CFPB. PLEASE HELP!
This account from XXXX and XXXX is more than 7 years old. I requested they remove it or show me proof of the debt and they just told me it was verified. No proof was given.
This company keeps calling me about a loan that is not lying over 2 years ago I 've asked him to produce documentation about this but you go along and make sure this they have not yet company keeps calling me about a loan that is not mine over 2 years ago of asked him to produce documentation about this but you alone and they to this day have not yet and they keep calling leaving nasty messages threatening to XXXX jail soon me they calm every once house
We always carry flood insurance ever since we used to live in XXXX and the entire time that we have lived in XXXX. When we refinanced, at settlement they wrote flood insurance into our loan. The statement " flood for life of the loan '' is included in the settlement and a charge was made to secure this service. We recently found out our flood policy was cancelled for non-payment in 2012. Wells Fargo can find no evidence that they informed us that they would not handle flood through escrow unless required by law, and the company admits that at no point did they inform us that they did not and were not going to secure flood insurance as agreeed to in our settlement. An escrow-related reimbursement was made at XXXX point but it was not indicated that this was because they were not paying for flood insurance, we had no idea we were uninsured until we needed our coverage to help after a " 75 year event '' ( XXXX inches of rain in XXXX hours ) flooded our home. XXXX searched and searched to no avail, we were uninsured and Wells Fargo, despite acknowledgment of fault, will not take responsibility for this breach of contract and expenses we incurred for abatement and repair.
I have disputed the following address XXXX XXXX XXXX, Texas XXXX with Experian for I have NEVER resided there. My driver 's license has never had this address. Experian keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.
We request the remaining money in the closed business account for the amount of {$4400.00} ( XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ). 

Unfortunately, our account was closed, and we have not been given a reason that brought the bank to make that decision. On XX/XX/XXXX Mr. XXXX XXXX XXXX intended to make a payment of {$2700.00} using an account under a different name, Mrs. XXXX XXXX XXXX. As one of our companys policies we review every payment and do not allow payments from third parties. As soon as this came to our attention, the situation was reported to Bank of Americas customer service and requested that the transaction would be cancelled. When the initial phone call was placed, the department in charge was not open so we were asked to call the next day at XXXX. eastern time. The next day, we called and opened claim Number XXXX with the Electronic Claims Services department. We were informed at that time that Mrs. XXXX had opened a fraud case the day before. Therefore, Bank of America proceeded to block our corporate account. As we requested to unblock the account, Bank of America explained that the amount disputed ( {$2700.00} ) was going to be put on hold which was understood as the amount of {$2700.00} were requested to be given back to Mrs. XXXX. On XX/XX/XXXX the amount of {$2700.00} was withdrawn from the account and placed back on Mrs. XXXX account, as requested by our company. The next day, our bank account was closed without explanation, and we were told to wait 10 business days to receive a check for the remaining money in the account ( {$4400.00} ). A few days later we received a letter stating the remaining money would not be returned to us. 
We have contacted Bank of America two times during the month of XX/XX/XXXX and no clear answer has been provided on whether the money can still be returned to us. Our company has clearly followed all procedures by reporting the situation and by requesting the transaction to be cancelled. Our company has not committed fraud nor intended to break the business relationship with Bank of America ; Therefore, we are requesting the remaining money left in the corporate account for {$4400.00} to be returned to the company. The remaining money left in a second business account for the amount of {$100.00} ( XXXX XXXX dollars ), and the remaining money on the personal account, for the amount of {$14.00} ( XXXX dollars and XXXX cents ). We are kindly requesting that you not involve XXXX XXXX  , XXXX and/or XXXX XXXX XXXX , XXXX upon this situation.