WillisBack/dataset-financial-user-claim huggingface dataset:
I recently had debt to settle had no problems with that. I been trying to restore my history so if I owe I was pay. But Alliant capital management had a representative call my phone. When I ask for verification of the debt thats where it got out of hand. I was told they he was a lawyer which is a lie and that he did n't need to send me any info about the debt at all. Which scared me I recently had my bank info stolen. So i was a little unsure about just giving out my info. I wanted some simple paperwork to prove this person is legit. He got highly upset and ask if I had a lawyer because if not I will need one. I think it was a scar tactic. My I repeat he said he was with a law firm and not a collector. And that I wanted simple paperwork to be mail to me that is all. But no he hung up in my face. That after me threaten me to get a lawyer. I had no problems paying. I did a little resource may I add they called from a local number so I was scar at that. I try to google the number no businesses came up at all. I got even more scared. I thought somebody was trying to get into my bank info again. So I called the same number from another phone. It sent me to a operator. She told me it was alliant and they was trying to collect a debt. She ask who I was talk to. I could n't remember his name. She went me or I ask to be sent to a different person. I also google they and found a New York address and phone number. I called and got in touch with somebody. I told me it was alliant and ask for my name and that they was contacted to collect on a debt. I and to do all of that to verify the source was right. When the person who contacted me could have told me this. So I spoke to a rep. He insured that they are a debt collector and not a lawyer office. I told him that another rep said he was a lawyer. I guess he thought I was lying or he was trying to cover for his co-worker. I came to a settlement. I had no problem in doing so. I issue is the first rep misrepresented himself. I guess trying to scar me into paying. He was aggressive and hot tempted. And not willing to listen to he and trying to degrade me over the phone. I want the taped conversation of the first rep so I can pursue legal matters. He did n't have to lie about who he was I was at work and could n't talk I got confused and scared. I just had my bank info hacked. And some random number called and say do you have a lawyer well get one. If you do n't pay you need a lawyer. Like I was supposed to say well here is all my bank info. All I wanted was some simple paperwork. Or somebody that had a nicer and more calm attitude so we could resolve the issue. He stated I do n't need to give you any info at all I am a lawyer. I called the local non-emergency number because I was scared. I thought somebody was trying to steal my info. I did n't know what to do.
I spoke with XXXX XXXX XXXX. I told them that IXXXX was out of work and they agreed to allow me to make payments to them. They came to my house unannounced and removed some trappings from around my house. I was then contacted by Transworld, and the collector threatened me and said that this would be my only chance to resolve this matter.
This submission is in response to a previously closed complaint  XXXX .   A loan modification was executed through a third party ( Hardest Hit Fund AKA Arizona Foreclosure Prevention ). Bank of America has refused to update my credit file according to the Fair Credit Reporting Act as late payments were reported while making payments during the program. Bank of America justification for derogatory reporting is that the modification was not completed within their business entity.     Intermittent address changes to my credit file without my explicit authorization or consent.
The credit bureaus indicated that the results of their investigation was accuate, however I have a letter from XXXX XXXX that the credit bureaus were instructed to remove this account from all credit agencies. The letter is attached
Foreclosure.New investor refused to work out any alternatives after purchasing my mortgage while it is in foreclosure litigation.Wells Fargo never provided me with alternatives to help me keep my home.I agreed to a modification, paid 5 double payments, then was denied a modification.Wells Fargo was forced to buy back my loan from XXXX XXXX, then sold it to a investor who buys nonperforming loans.Wells Fargo was paid in full for my loan and now trying to auction my home off. Will cause my XXXX, XXXX family members and myself to become homeless while our home sits in destruction.
Bank of America does not answer the phone and will not let someone cancel their account online. Therefore, they appear to deliberately make it nearly impossible to cancel, therefore forcing the customer to retain their card and continue paying fees. I called the customer service number twice and each time when prompted stated I have canceling my card and each time I was placed on hold for 30 minutes. Bank of America will NOT permit me to speak to any customer service representative other than this special cancellation line, and they apparently can not answer as they are arguing/misleading other customers in terms of keeping their accounts. I demand to close my account and Bank of America refuses to let me do this.
I have had a non active checking account for many years. 
It has held a {$5.00} balance as a local branch person told me to keep it open. 

XX/XX/2017 the bank assessed a dormant fee of {$10.00}. These are terms they just dreamed up I guess. Banks do n't earn money they fee people. 
I contacted via online through the onlne banking system. I told them to reverse the new made up fee and to close the account and send me the {$5.00}. 3 TIMES Reached the call center today after receiving a collection letter for their made up fee reiterated the entire story to some " Business banking specialist '' and they maintain their XXXX stance on their fee. 
Was n't this the same bank that was scamming people on forced placed insurance a while back too.
Forward Movement Recovery continues to call my number asking for a woman I do n't know on a phone number I have had for nearly 8 years now. They have attempted to call from several numbers, the latest being XXXX calling me at work today. Do n't know how they got this number. SOOOO sick and tired of receiving calls from this company for a debt I never incurred and do not owe ... much less for a person I 've never met and do n't know. In addition, my and my family 's phone numbers have been listed on the Federal Do Not Call Registry for telemarketers for YEARS. Whatever happened to folks respecting this and actually leaving folks like me who want to be left alone left alone as we 've requested?
Experian has an address that does not now and has never belonged to me. In other words, I never lived there.
Bank of America reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, BOA sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request
I have tried to do a harp refi because I want to stay in my home, however each time I tried this bank of America has lost, not received or time has ran out to proceed. Out of 5 times I have tried to get help they came back with short sale or deed in lue. the first time I had to have XXXX and was out of work for 8 months I begged and borrowed to make my payments till I got back to work. I recently had XXXX again and also had a XXXX XXXX all with in the same month. I tried to refinance with my local bank but due to my filing of XXXX XXXX they were unable to assist. it seems like BofA does n't care about there clients unless they are elected persons that will give them special perks. if paperwork is needed to verify my medical conditions that I have told I will provide, except for the first XXXX which my house burned down in 2012 and I lost all that paperwork, which brings up another problem with this company when I was rebuilding it took this company 4 months to release the funds to finish paying for new home including speaking with my state senators and representative and manufacturer all speaking to this company to get them released.
I do not make enough money to pay over {$700.00} a month to Sallie Mae due to the troubles of finding a job after college. I am currently working as a server, along with bills ; a {$110.00} car payment, {$700.00} in rent, $ XXXX {$110.00} a month for utilities, ~ {$170.00} for federal student loans, and not mention the costs to survive. On XX/XX/XXXX around XXXX I was told I could go into a program that would put my loans up to date. I would have ~ {$270.00} taken out of my account automatically for 3 months. This would be the new payment for 2 years and I might be eligible to reapply after this period of time. I was told that it would also lower my interest rate to ~3 % during this time. My co-signer also is unable to help pay with these loans. These were the terms set due to her financial situation as well. Two payments were taken out, yet we were still getting past due notifications. To understand why this was happening I called Sallie Mae on XX/XX/XXXX to see what the confusion was. As it turns out, without giving us proper notification, we were denied for this program and the already hefty XXXX a month has now grown over two months. They breached our contract with deception of the worded confirmation they sent us in the mail, yet did not send anything mentioning our " denied '' form about the program they so happily took money for. I was not told anything until I called. They record all of their calls, with our call I believe I can prove that they went against their word. This yet another unethical deception of Sallie Mae that any XXXX search can bring up. Salt to the wound, we asked of we could get any of this in writing and was told they " don't do that ''.
I have a boat loan with Key Bank. My boat is a documented vessel - this is different than typical registration on a boat. My boat has a vessel name ( XXXX ) and a hailing port ( XXXX XXXX, CA ). I moved to XXXX XXXX last year and wanted to change the hailing port on my vessel. The XXXX XXXX requires me to get approval from Key Bank via XXXX XXXX Form XXXX. I contacted Key Bank and they gave me an address to send the form and required a {$100.00} fee to process the form. They said it would be processed in 5 business days. I sent the form and check to them on XXXX XXXX 2017. I was planning a trip to XXXX in XXXX so I wanted to get all the paperwork completed by then. After waiting 3 weeks, I contacted Key Bank. They said they never got my form or check. I informed them that they had cashed my check which was stapled to the form. They insisted that I send another check and form - this time they gave me a different address with a specific mail stop. I called the next week to see if they go the form. They said no. I continued to call and finally they told me they got it and were processing it. I made an additional 17 phone calls to various people including XXXX XXXX, two of this staff XXXX & XXXX, XXXX, XXXX and finally to XXXX XXXX. XXXX was able to confirm the receipt of my form and told me XXXX XXXX was processing it. I waited another 2 weeks and nothing. It 's now getting close to my departure to XXXX so I contacted the XXXX XXXX to tell them what was going on. They required another {$100.00} fee to un-do my request ( I paid them {$100.00} when I initiated the request with Key Bank in XXXX ). I had to re-purchase lettering for my boat to take it back to the XXXX XXXX XXXX XXXX and submitted an expedited request to the XXXX XXXX for temporary documentation so that I can leave the country. Key Bank XXXX XXXX me a document today approving a name change on my boat. I do not wish to change the name, I never requested that, I requested changing the hailing port. For 2 1/2 months now , Key Bank continues to be uncooperative on the phone and clueless as to what is being requested. They should not provide boat loans if they do not have the ability to process the simple paperwork required to meet XXXX XXXX requirements.
I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

XXXX : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
About 1 month ago I called US Bank to inquire about a balance transfer offer I receive through their XXXX card. I was told the best way to use a check. I was mailed 10 checks and I used one of those checks and deposited {$12000.00} into my checking account. I paid {$360.00} ( 3 % ) in fees. I asked the agent 3 times if there was any interest involved and I was told that as long as I ay the minimum payment there are no interest charges until XXXX XXXX. Yesterday XXXX/XXXX/XXXX I noticed an interested charge of about {$130.00}. I called US Bank and I talked to supervisor XXXX where I protested the interest. I was told that it would take 2 weeks to decide if it was a bank error. I am very surprised, I was interested in the 0 % balance transfer and nothing else. I need help with this situation. This kind of balance transfer does not offer me any benefits.
Hello, I would like to file a dispute with you in regards of capital one. 

I filed a claim with capital one for unauthorized charges and they did not resolve my dispute. I am including transactions and dates. These charges were unauthorized and they have reversed charges on my account debiting my account almost {$2600.00} Please help me with this as this is a lot of money and Capital one will not help me any further. I think they are in violation of regulation E. 

They sent me documentation that makes no sense to me and does not prove that I made any kind of purchases with this company. 

Thanks for filing claim number XXXX. 

We received your request to reassert an error on the following transaction ( s ). We finished looking into your dispute and didn't find any errors after checking our records. So, we're denying your claim and closing your dispute. 

As requested, here are the attached docs used to make our decision. 

Transaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$100.00} - XXXX   XXXX XX/XX/XXXX - {$110.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$90.00} - XXXX XXXX XX/XX/XXXX - {$23.00} - XXXX XXXX XX/XX/XXXX - {$71.00} - XXXX XXXX   XX/XX/XXXX - {$98.00} - XXXX XXXX XX/XX/XXXX - {$32.00} - XXXX XXXX XX/XX/XXXX - {$40.00} - XXXX XXXX ransaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$150.00} - XXXX XXXX   XX/XX/XXXX - {$140.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$76.00} - XXXX XXXX XX/XX/XXXX - {$120.00} - XXXX XXXX   XX/XX/XXXX - {$95.00} - XXXX XXXX XX/XX/XXXX - {$140.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$50.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX   XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XX/XX/XXXX - {$47.00} - XXXX XXXX XX/XX/XXXX - {$45.00} - XXXX XXXX XX/XX/XXXX - {$140.00} - XXXX XXXX   XX/XX/XXXX - {$50.00} - XXXX XXXX XX/XX/XXXX - {$50.00} - XXXX XXXX
A credit card was made out in my name and former company and mailed to my former address. A man claiming to be me knocked on my neighbor 's door and requested the credit card envelope. Simultaneously, all of my mail at my current address had been put on hold for two weeks by an unknown source.
I received a bill from XXXX XXXX- a credit card I never opened. The bill was for {$3100.00}. I called to complain that this was not me and I did not order this merchandise. It appeared to be an on line order. I reported this as fraud and TD Bank sent me a claim form asking for ALL of my personal info. Of course I did not send this to them. I called and said I would not send them my info and to cancel this account as fraud. XXXX XXXX the fraud and risk specialist said they did n't need it and just send in a signed paper that this was not my account. I asked why they asked for it if they did not need it. VERY SUSPICIOUS!!!!!! I believe TD Bank is a scam and would like to report them.
For the last couple of years, I have been trying to release my co-signer and Navient has not allowed to do so. I 've made prepayments on the loan and they reset the timing for the consecutive payments needed to release my co-signer. They then denied my co-signer release.
I wrote a check for XXXX at XXXX XXXX for groceries only to have the store DECLINE my check because of CERTEGY 's denial of my check ... ... ..i was given NO reason as to the decline of my check and upon trying to contact Certegy you could only get an automated response ... ... when i asked XXXX XXXX to contact my bank to verify the funds/check they REFUSED because they said they couldn't override Certgy 's denial ... ... .when i CALLED my bank to have them verify the check and funds the manager of XXXX XXXX REFUSED to take the call ... ... ... .i have ALWAYS prided myself on NEVER EVER have written a bad check and having an EXCELLENT credit rating ... .i have ALWAYS paid my bills on time and in FULL and that includes ALL credit card amounts ... .I just moved to AZ and purchased a {$520000.00} home WITH CASH, i have NO mortgage and only owe a little over XXXX on two loans ... ... .Certegy has YET to provide a reason to me for DENYING my check.
Called me 16 times in 2 minutes. Ask me to pay speeding ticket which I paid on time 10 years ago. Ask me to show proof. Who keep receipt of speeding ticket for 10 years.
I have some Credit cards that have not shown up on my credit as being paid on. When I contacted the companies, i.e., XXXX XXXX, I asked them why is it that you reported to XXXX  I made my payment if XXXX but not the other two. The contract that binds between the credit card company and the credit card holder specifically states the credit card company will report to all three credit bureaus. This is not the only company I am having problems with. It is directly affecting my credit score. When I asked XXXX XXXX to show me and ask for proof that they did report to all three credit companies they refused to provide me with any proof.
The original debtor XXXX has already collected full payment of this debt in the amount of {$750.00}. During a conferenced call on XX/XX/2017 Diversified Consultants, Inc. debt collection agency acknowledged receipt of full payment however ; they refused to remove it off of my credit report and provide a letter stating that the account has been paid in full and closed.
On XXXX I called Transunion to remove inquiries that I did not authorize & to challenge Derogatory Items. I spoke with a US Rep ( XXXX ) that was handling my Request. In the midst of our Phone Call, as he was confirming the Information that needed to be removed, the call was disconnected. I waiting for him to call me back since it was Transunion fault but nothing. I called back and waited 45 minutes to get another US Rep on the phone. I explained to her ( XXXX ) what happened and how the US Rep was deleting unauthorized inquiries and could she finish what he started. She told me she could n't do it. Again, I explained that the previous Rep was in the final processing of deleting the unauthorized inquiries. However, he did not care. Needless to say say, he did n't help me with what the other US Rep was more than willing to do due to my Identity Theft Police Report. The Inaccurate Information is as follows : XXXX XXXX-Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Court Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
I have had an ongoing problem with XXXX. Below you will find the latest form of discrimination to which they have subjected me : I took out a loan from XXXX for a home improvement Loan. Their address is XXXX XXXX XXXX, XXXX Ohio XXXX, phone Number is XXXX. They assigned XXXX XXXX to be my project manager for the duration of my project. However, He decided that he did not like me personally and is therefore, refusing to provide me with any assistance. He did not even have the courtesy to notify me to that effect. It was XXXX XXXX, XXXX Director for that location that finally decided to tell me this. Only to make matters worse, he did not, and still will not provide me with any information as to how to go about completing my project, such as how to order materials and pay for them, since they hold the purse strings. 

XXXX XXXX has also instructed any and all parties he has dealt with not to provide mw with any information. For instance, he contracted XXXX XXXX XXXX , XXXX at XXXX XXXX XXXX XXXX, XXXX, OH XXXX, to do an inspection for me, and he paid them {$110.00} out of my money. But, neither he nor XXXX XXXX XXXX will give me the results of the inspection. XXXX XXXX XXXX wants another {$680.00} for the work to contain my pest problem, and yet neither party will give me any explanation. 

Given the situation that both of these parties have placed me in, I feel that the both of the should be disciplined, and my money refunded since it is not fair to charge me for something which I never received.