WillisBack/dataset-financial-user-claim huggingface dataset:
These XXXX companies have been calling my home phone number constantly trying to collect debt for other people. Usually its a member of our family but now they 've started calling trying to collect debt from the person we recently bought our house from. She NEVER had this phone number. 

XXXX XXXX XXXX XXXX XXXX Receivables Perf XXXX XXXX XXXX Neither myself or my husband have any debt collection issues. These people harass us constantly for debt that does not belong to us.
I have contacted this company numerous times disputing what they are showing on my credit report! This company hangs up on me! I call back and they tell me to dispute it with the credit bureaus! A representative told me that they could not find me in the system! I have tried everything!! 

Now I am filing a Cease and Desist and Lawful Notice of Estoppel to remove this from my credit report at once! 

This is not my debt and is hurting my credit score. My brothers name is XXXX XXXX and my fathers name is XXXX XXXX XXXX Not sure if this is their debt or just an error putting on my credit report but it needs to be removed asap! 

Thank you for your assistance! 

XXXX XXXX
A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to equifax experian and transunion on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.
On XX/XX/XXXX Ombudsman Case XXXX states : my Navient account is in deferment until XX/XX/XXXX. Two loans in my account were put into repayment status since this without my permission/consent. Navient has again ballooned principal balances on my most expensive loan and another loan in a fraudulent, criminal manner. It continues to mail documents it will not include on its website as documents we 've sent to you. It will not include on its website any documents I 've sent to it. A Navient Advocate writes in email it will get back to me after a different mailing from XX/XX/XXXX and did not get back to me. I have requested only written communications with the office of the advocate. Written email communication is not made available to me by the office of the advocate. Navient is continuing to create XXXX XXXX and hardship to my by refusing to service my loans according to my request.
Spam mail to our mailbox with information we do not want put in the mail. We are on the US governments ( do not mail ) list. We have called Wells Fargo a dozen times. We receive offers every week.
Wells Fargo home Mortgage loan # XXXX this loan was forged by Wells Fargo Mortgage Notary/Notary agent I have enclosed a document this is not my signature on the all California ALL purpose Certificate of Acknowledgement I did not sign nor agree to this nor did I give any one permission or power of attorney to act on my behalf I 'm in the process of taken legal issues on forgery by the bank am
d other issues
In XX/XX/XXXX, received letter stating I owed XXXX to XXXX apts. the accuracy of this debt is false and fraudalent. stated I moved in XX/XX/XXXX and have new lease that I moved in XX/XX/XXXX. I have all my receipts that do not total what is stated I owe. the receipts state a zero balance. there is a document with my signature that is forged by someone trying to sign like me. I have a voice recording of my speaking with the landlord and she can not give me an accurate date on when and why this debt is owed. I was on section8 housing assistance and have letters that the manager states i do not owe this debt. National credit systems have attached my credit report with this negative and false reporting that is hurting my credit. they are aware this debt is false but continued to place it on my report regardless.the landlady told the police officer I had involved in this matter that I owed in XX/XX/XXXX but stated to me it was because i moved out in XXXX XXXX she is inconsistant on the dates to which this debt is owed. i was not aware of this matter until 6 months after i had in fact left those apartments. the landlady never contacted me in this matter and i feel this is wrong. XXXX XXXX, the landlady falsified the name of the apartments : she placed in collections under XXXX apts but the building is XXXX management inc. she is attempting to extort money that i do not owe. have made several attempts by sending in all my receipts showing a zero balance but still reported as negative debt
Regions Bank charges a Fee of {$1.00} if you pay early on your credit card account. Not interest, just my normal monthly payment I pay in full each month. Yes, they waived it, but I had to call. I 've paid early on various other cards under the same conditions, and never seen any penalty for paying a few days early. 

Please determine if this policy conforms with regulations. 
Thank you
Ok first off I was never welcome into the branch managers office the first visit. I was told I could view a copy of what was acceptable but that 's it only a offer. Further more I did not go to another pnc branch that day nor any other day. This clearly shows fault into your investigation that I believe never really took place. I was very much so discriminated against even brought to tears due to your branch manager or vice president of that branchs harsh judgement and humiliation felt in front of my child. I never lost my temper inside branch location only briefly while talking over phone with your customer service rep. This has not resolved our dispute in no way since I had to read your final report here and the letter you mailed me with check for XXXX $ only said sincerely with no kind of remorse or apology. Upon reading this I want PNC to know im taking my newly found inheritance wealth of at least {$190000.00} and will use a large portion to seek council in order to not only make PNC take responsibility but also now because you blatantly right out lied on me in order to make me out to be the one in the wrong. Further more how can a XXXX 's gift card with my name on it Trump a  employee issued ID from XXXX XXXX. It cant PNC is at fault here and unless you resolve this issue very quickly in the amount no less then {$10000.00} for my daughter and I pain and suffering needlessly inflicted by your leadership members located at the XXXX branch. I will have no other choice but to continue forward with all proceedings. I hope for PNC state you take heed to my demands for this is not a threat but a promise. Today marks the day PNC thought they could mistreat abuse and under estimate a once potential customer but we 're showed in the wrong. My case is strong and my words hold truth. PNC on the other hand lies repeatedly only to deceive themselves into the snares they opened. I pray you make the right decisions and believe the words I have spoken to you on this day for my attorneys will not be as forgiven. Oh and I 'm not cashing your insult to injury {$10.00} check the envelope along with one word letter and check have been filed on my behalf to show the incompetent PNC and failed attempt at bringing this issue to a close. See you in court if I do not hear your response in a way that rings Justice has been served to my satisfaction. Oh and the branch manager you blindly place trust in should not be allowed to work in such a position to place judgements on people making their life burden while that person is dealing with the loss of a love one. Thank you very much.
I have a car loan with santander consumer USA. I have had my car loan since XX/XX/XXXX. I have been paying ontime until i lost my job. I called santander and notified them of my job lost. Some of their representatives were very rude and did not offer much help or options. I was never offered a lower payment plan or forberance. All they wante dwas their money. The company claimjed they tried to call me several times which i never received calls fron them. They repossessed my car without notice no mail no phone call and on the weekend. I have been trying to work with them and all they are is rude and would not work with me.My experience with santander has been awful.This has been an expereince from XXXX. they knew I had lost my job. I did not have an issue with paying them, I was trying and have been trying to work with them.
On XXXX XXXX, 2017 I attempted to purchase some Ethereum on XXXX after I had logged in to my Coinbase account to check my USD balance. After logging in to XXXX my Coinbase account was hijacked while I was already logged in and all my coins transferred to the hackers wallet or account. XXXX Bitcoins ( {$9000.00} at time of theft ) and XXXX Ether ( {$2100.00} at time of theft ) were stolen. 

After weeks of no response, Coinbase finally informed me that I was allegedly the victim of a phishing attack. The hack appeared to be very sophisticated and possibly required insider knowledge of Coinbases security weaknesses.

Nevertheless, even though the hack may have resulted from a phishing attack I still hold Coinbase responsible for damages for the following reasons : 1. I was logged in to my Coinbase account when the hack occurred and that is the only reason I was able to make some screenshots with timestamps that document the hack. How is it possible that a second party can sign in to my account with my credentials from a different location with a different device while I am already logged in? This is in my eyes a huge and negligent security flaw on the part of Coinbase. 

2. While my Ether was transferred immediately, it took over an hour and 20 minutes for the Bitcoin to complete transfer. I initially reported the hack at XXXX XXXX EST via Chat and confirmed again via email at XXXX XXXX EST. I actually received a reply to my email at XXXX XXXX. Coinbase had ample time to shutdown my account before the Bitcoin transaction completed at XXXX XXXX EST. For whatever reason Coinbase did not shutdown my account until approximately XXXX XXXX  EST after the Bitcoin transfer had cleared. 

I have been trying to access my account in order to secure my USD balance that was transferred to my account after it was shutdown. I reset my password as requested but I am still locked out. It has been over two days and my account still has not been reactivated.
Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX county that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.
I was denied credit due to " unable to answer with correct security questions '' Neiman Marcus has denied me credit for being UNABLE to verify my identity and has put an inquiry on my XXXX credit report. I am asking that NEIMAN MARCUS follow the proper protocols by verifying that it was indeed me applying for credit or to REMOVE inquiry off my my XXXX credit report since they can not verify that it was me who requested credit. It is against the FAIR CREDIT ACT and I will utilize my rights. Application ID is XXXX
The following incident happened today at XX/XX/18. I received a call from a random number which turned out to be XXXX XXXX phone : XXXX, office:XXXX ext XXXX from the following debt collection agency Hillcrest Davidson & Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Website : http : //www.hillcrestdavidson.com/. 

I tried my best to cooperate but from the very start he was abusive, threatening and very rude. He threatened me, made XXXX comments, hacked into my mothers number and somehow called me from her number. He also was nasty and stalked me and was threatening me with my personal information saying he knows everything and that he can use my information against me. He called and wouldnt stop even when I tried to ignore the calls he would insist and when I picked up he would harrass me and attack me. I then called the XXXX police to target and they heard my story and called XXXX but he only showed them three recorded calls when in total there was way more and I have records proving that. The police said they couldn't help me so this is why I am filing a report here. I owe no debts to any debt collection agency, He wanted to speak to my mother and was harrasing me so I can get her to contact him which at one point she did but since it did not go as he planned he made XXXX comments of her and called me with anger to harrass me for how it went. I do not know how he got my information but I was scared for my life and need help I would like to report this, sue the company any measures to stop XXXX and this company from harrasing people like they did to me. I also see that I am part of a bigger problem and want help XXXX XXXX XXXX
Global trust management llc, a woman named XXXX from Global Trust called my son, daughter in law, and granddaughter about a debt I supposedly owe. I have been at same address for 3 yrs and same phone number for 10 years. I do not know who she is and what she wants. I tried calling the number she left with my family. It always goes to voice mail. I do not want anyone discussing me with my family. What happened to privacy act. My granddaughter thought I had a wreck and the were trying to find me. She called me crying and stressing out. Thank you.
The Debt you are attempting to collect as a 3rd Party Debt Collector in questionable under current Federal monetary laws. Issue regarding collection practices, debt valuation and collection potential have led others to forgo collection rights with my challenge. These parties include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX. 

What this should tell you, my initial arguments disputing this debt with you organization hold validity. Enough so, the prospect of reduced company valuation, adding definition to the identified monetary policy loops holes in the FCRA, or debt validation determining the validity of future collection potential as defined by the IRS and Treasury department that will impact the future of your industry. These factors represented enough risk to cease all collection efforts by the parties mentioned above. 

Your collection attempt represents less this .03 % of 1 % of the debt I formerly held before this began in XX/XX/XXXX of this year. I am asking once again the collection item be removed with a mutual understanding no further actions will be taken on my part. 
If true valuation occurred, it would be discovered I am monetarily exempt and earning under the federal poverty limit. I am preparing to cost your organization far more than the amount in active collection. This is your opportunity to assess the risk.
Transunion knows someone has been trying to open accounts in my name Despite sending them several police reports and letters from the companies themselves, they continue reporting information that does n't belong to me, such as  XXXX   XXXX ,  XXXX  and credit inquiries. i have n't authorized any credit inquiries in the last 3 years and none listed are covered under fair use, yet they refuse to remove them saying my documentation is n't adequate.
Hi, I am a Delta Sky Miles member and I received a promotion on XXXX XXXX by American Express through Delta Airlines newsletter, according to which : - I would get XXXX ( instead of XXXX ) bonus miles after spending {$1000.00} in three months ; - and XXXX miles ( instead of XXXX ) for each dollar spent with Delta ; if I would have applied to Gold Delta Sky Miles American Express card by XXXX XXXX. Therefore, on XXXX XXXX I applied and was approved for the credit card, but now American Express is not applying the promotion to my account. They are currently saying that I can not get the promotion anymore because I did n't click on the 'Apply Now ' within the promotional email. However, nowhere in the email they say that I have to apply through the email, because in any case both the email and the application are linked to my Sky Miles number. They first said that I should have spoken to Delta, but Delta is saying that the promotion is from American Express. Ultimately, the American Express representative said that she would have raised an inquiry and it would take between 6 and 8 months to get an answer, and of course in the meantime the 3 months period will pass by. 
I do n't feel treated fairly at since they are not honoring anymore a promotion I received from them and for which I applied by the deadline.
I recently opened an account with Citibank in XX/XX/2018 and decided to transfer my funds via XXXX. I was trying to buy lunch and noticed my debit card that I activated with them is not working. I called customer service and they transferred me to a supervisor named XXXX that said he can't help me for security reasons. He said a letter was sent out stating that I need to provide documents proving my identity. 
I told him that all I need to do is transfer my money out of my citi account back to my old XXXX  XXXX XXXX account and he won't let me. 
This was also over {$1000.00} worth of money and I do not get paid for a while. I have no money for food or to pay a tuition bill that is due on Friday. There are no warnings on my log in on citibank 's website or the app about a block nor was it included with my debit card and welcome letter so this is XXXX. I brought my issues up to the XXXX  account customer helpline and they told me that XXXX closed my account and I will get a check in the mail. I was desperate to get access to my money and was willing to fax documents as they suggested and they backtracked and said there was nothing they can do except drive 2 hrs to a branch, but I can't because I don't have money for gas because they're holding my money hostage. I have all of this money sitting in my account and I can't wire it, I can't use XXXX nor can I use my debit card. This is criminal, unethical and pathetic and I want my money back ASAP.
I opened an account with XXXX XXXX XXXX inXX/XX/XXXXand then had significant personal financial issues arise leading to the account being closed in XX/XX/XXXX. The account was sold to multiple collection agencies but was settled and paid inXX/XX/XXXX XXXX XXXX XXXX has violated my rights by submitting falsified information to the credit reporting agencies resulting in financial harm to me and my family. Specifically, they have reported the following information to all three credit reporting agencies ( a ) beyond the charge off date of XX/XX/XXXXand ( b ) beyond the date I settled and paid the balance to their collection agency.

XXXX  - reflecting 90 days late payments inXX/XX/XXXX and XX/XX/XXXX.

EXPERIAN - reflecting 90 days late payments in XX/XX/XXXXandXX/XX/XXXX.

I have attempted to resolve this directly with XXXX XXXX XXXX as well as the CRA 's and both have refused to assist me and update the records with the accurate details.

I am begging for your help and assistance in bringing these predators to justice. I simply want my record to accurately reflect my account.
I checked my credit report from XXXX, XXXX and Transunion and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it is inaccurate.
I was having a hardship that caused me to get behind in my mortgage but now I 'm able to pay my mortgage. I asked for assistance with the past due amount and they are unwilling to listen or assist me they just want to put me into active foreclosure.
cra violation items not mine lower my score in results i could not get what really i deserved in rates scores and other stuff please look at this inquires are not mine XXXX XXXX is not mine XXXX breach has cost me big time and they wont let me look at my credit XXXX XXXX XXXX/CHARGEOFFOther {$76.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$76.00} Account Details Bureau Name XXXX XXXX Account Number XXXX Account Type Utility company Responsibility Individual Credit Limit {$0.00} Highest Balance {$0.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$76.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX inquires not mine XXXX, XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Navient has written off my private student loans as a loss. They continue to misreport the loans on 8 separate trade lines each month. 

I have written to Navients supposed attorneys who contacted me but I dont believe they were a true law firm. I requested copies of my original promissory notes to determine if I owed them as much as they say I do. I have received no response to my requests and they continue to illegally report 8 negative accounts with them. 

If they cant provide me with proof that they own my loans and the original promissory note terms these trade lines must be deleted. If they have written off these loans than they need to eliminate these trade lines. 

I also was threatened on a recorded line by a supervisor to an employee named XXXX XXXX. She was XXXX in ethnicity and asked me what my employer would think if they knew I had a defaulted student loan. Navient also sent fax requests for information to my employer when they had no legal basis to do so and I specifically told them not to contact my employer. 

Navients behavior and false reporting is causing my credit score to remain low and I can not buy a house. Please investigate this corrupt operation.
I have an XXXX XXXX account for my XXXX school loans with XXXX. The servicer has very poor response to customer inquiries, does n't allow for easy repayment of the full loan amount, does n't allow for online setup of recurring payments, sets up substantial barriers to telephone customer service with long wait times. I have multiple loan accounts and XXXX doesnt allow me to setup recurring bill payment through online account because I have " multiple accounts '' .I have personally been on hold for 4 hours without reaching a customer service representative. 

I believe a lot of these barriers are placed intentionally by this servicer. I am including a picture of the screenshot from the phone call that illustrates the extraordinarily long wait times.
I overnighted a {$4300.00} check to OCWEN and have it arriving and signed for at Ocwen. It always takes a week and after 2 weeks not hitting I called them. They lost the check and TOLD me NOT to make a payment until their investigation was resolved. Over the next 3 months they were doing an investigation and TOLD me not to pay until this was resolved. Once they told me to stop payment - a week later I mailed them the entire payment to ctach it up. The supervisor XXXX ( XXXX ) told me it would not go against me. Now they reported me late to all XXXX credit agencies. They will not call me back to resolves this. I have called numerous times as this is really adversely affecting my life.