WillisBack/dataset-financial-user-claim huggingface dataset:
This companyPortofolio recovery asscXXXX vaCalls on old debts credit card that have been charged-off by original creditor and even been mailed a XXXX. These debts are old, though this co has bought them and has cleed at home on my cell-phone at all hours. They call and leave no messsage at home on cell. They call from several numbers likeXXXX XXXX XXXX XXXX XXXXto name a few. I fell harassed by this company for these old debts.
Provider bought mortgage and paid for lender placed insurance that was in place and coverage until XXXX/XXXX/17. continued to charge me the escrow amount. then claimed no insurance and place another policy charging me an outrageous fee and doubling my mortgage payment. when i was made aware of the problem and provided an active policy they stated it was not valid and refused to accept it. i obtained outside insurance and they credited only part of the lender placed refund with no explanation on the amounts. i have tried to get this resolved with no results.
Coinbase did not send me all my money off my XXXX account, before restricting my access to XXXX. They have sent some funds to me, the funds they took from my coinbase account, but not everything. They didnt send all the money I originally had on my XXXX. I have asked for the rest of my coins back, BTC and ETH with no luck.

I have documentation to prove it attached.

Highlighted photos point out 2 things.

1 ) I have a remaining BTC balance they never sent to my coinbase account, so its stuck in limbo on XXXX right now because I dont have access to XXXX.

2 ) They took XXXX  ETH
I  XXXX   XXXX   XXXX  have not received my credit report through the mail as requested. I just tried to request it again. I keep getting an interruption that my credit report has already been sent. I have not received my report in the mail as requested by any of the  XXXX  credit bureaus. Please help me get all  XXXX  of my annual credit reports.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WY  XXXX
My loans are currently serviced by Navient ( formerly XXXX XXXX ). I should qualify for a .500 % interest rate reduction due to auto debit, but was told that my eligibility was terminated due to XXXX rejected payments in XXXX 2014. I obtained a copy of my XXXX 2014 bank statement and it documents that there were not XXXX rejected payments in XXXX 2014. I provided a copy of the bank statement to Navient along with a request that they reinstate my interest rate reduction, however, they continue to insist that there were XXXX rejected payments and will not reinstate the reduction.
On XXXX XXXX 2017, I applied for the citibusiness aadvantage credit card based on an advertisement from citibank that I would receive XXXX XXXX XXXX miles once I spent {$3000.00} on the card within 90 days. I was approved for the card but upon calling to activate the card I was informed that I did not qualify for the promotion because I had the same card product within the last two years. This is not true ( I have not had the card in the last 2 years ) and this fact was confirmed by the representative on the line who looked at my card history with Citibank. I was told that a request would be submitted to the promotions department but since then, after five separate calls ( speaking with, among others, XXXX, XXXX, and XXXX ( XXXX ) Citi has not been able to provide me with any evidence that I have ever had a card with Citi in the last two years that would disqualify me from this promotion. I believe that Citibank should honor this promotion and extend the qualification period so that I have the full 90 days to spend the required {$3000.00} on the card.
On XXXX I purchased a bunch of XXXX gift cards from Paypal XXXX XXXX. Paypal XXXX XXXX was listed as the seller on eBay and they were the company that fulfills the order via email. Last week I attempted to use these gift cards and they say they 've already been used. I first tried to contact ebay but 30 days has passed so their guarantee is up. Then I tried to contact Paypal digital gifts but they referred me to sears who referred me back to Paypal who referred me to XXXX who referred me back to Paypal. My frustration increased when Paypal flat out refuses to send me new gift cards. I have the order numbers and all of the information. Their stance is its on XXXX to make this right. This is ridiculous! THEY are the ones I bought these from and its Paypal XXXX XXXX who is responsible for making this right, not the consumer. Please protect me, the consumer!
We have had the unfortunate experience of dealing with SLS for five years now. Throughout this entire time, they have repeatedly been non-responsive to letters, phone calls, and emails. They have not filed legal documents on time with the courts and have acted in an unfair and discriminatory manner with us on more than one occassion. We have had to incur legal fees in order to get them to even return a phone call, which actually added to our financial hardship that we were trying to resolve with our mortgage in the first place.

Most recently, pursuant to the request of the attorney for SLS in XX/XX/XXXX, we filed a request for loan modification on our mortgage loan. We had previously filed a request for mortgage assistance in XX/XX/XXXX, which was never acknowledged, responded to or addressed by SLS. Rather, they filed a Notice of Foreclosure and we had to hire an attorney to help us navigate through that. We ended up having to file a Chapter XXXX Bankruptcy to protect our home. During the time the banrkuptcy was being finalized, we continued making our payments in the amount of {$2600.00}, and SLS never filed an proof of claim as required by law. At the very end of the bankruptcy, they filed a Notice of Default and we had to negotiate with them for another several weeks before our bankruptcy could be approved by the courts. They insisted on a monthly payment of {$4100.00} because they would not add the arrearages to the balance of our mortgage, despite the fact there is plenty of equity to do so. We have never been able to make that payment and after discussing this with the attorney for SLS and our attorney, we were told to file a new Request for Mortgage Assistance which would be to lower our monthly payment so we could get our mortgage back in a current status. We did this in XX/XX/XXXX. SLS acknowledged receipt of the modification in three separate letters datedXX/XX/XXXX, XX/XX/XXXXand again on XX/XX/XXXX. Each letter stated they were waiting for information which was out of our control and they would respond as soon as that information was received. We heard absolutely nothing from SLS until we received a letter last Wednesday, XX/XX/XXXX from XXXX XXXX XXXX XXXX  out of XXXX, Texas, advising us of a Notice of Default on the mortgage. There has still been no reference to our Request for Mortgage Assistance filed last XX/XX/XXXX to SLS. We responded to the letter yesterday via fax, express mail and regular mail advising of this situation and requesting our Loan Assistance application be approved so we can get back on track with our mortgage. We desperately need help getting this situation resolved as they are threatening foreclosure.
On XXXX XXXX, 2015, someone deposited ( not me ) XXXX bad checks into my account and also took the money out. I did n't notice my card was missing until the next morning and did n't discover any of this until I tried to use my card. If you look over the history of my account, I usually pay bills then pull money out ( overdrawing it ) until my next pay check. I do n't deposit bad checks. The activity on the account is not usual. I do get emails and text messages for unusual activity however ; I did n't get any text messages. I did get an email but I did not check them because I did n't have much power on my phone. That day all of this was going on, my lights were off. I made arrangements with the cash I had on me and was scheduled to make a payment on XXXX/XXXX/2015. Because of all of this my lights are off, I have a payroll check that I ca n't get any access too and I have XXXX kids. I have filed a police report and possible names of people who could have possible done something to my account. I have cooperated as much as I can and I have no assistance. My account is about to be closed for something that I have not done and I need my money to take care of my kids. Please help me fix this problem quickly. More importantly, help me get my lights back on TODAY. They have been off since Monday since I did n't keep my arrangement.
On XX/XX/2018 I had my blood work done at XXXX. I provided XXXX XXXX with my insurance card and they asked for my Chase Master card which I did not question for what purpose. Upon returning home, On XX/XX/18, I called XXXXXXXX XXXX to question why their local lab asked for my credit card and spoke with XXXX. She assured me that my credit card details will be removed from their database. When I received my credit card statement, XXXX had charged of {$100.00} on XX/XX/18. I also received an invoice ( # XXXX ) for {$42.00}. This invoice was paid by in full on XX/XX/2018 through our HealthEquity Visa Health Account Card. 

On XX/XX/18 I opened a dispute with Master card. Chase asked me to provide proof of payment and I provided them with a copy of invoice, and Proof of Payment for {$42.00}. This was faxed to Chase on XX/XX/18. Upon follow up, Chase indicated that the fax was not clear and I mailed them copies through USPS. 

On XX/XX/18, Chase denied my dispute as they found no evidence of billing error, I called Chase again and they told me that if I want them to reopen this dispute, I have to provide them with a cancelled check from my Health Insurer. 

We also contacted XXXX again and provided them with the information I had sent to Chase Master card. XXXX was able to locate the billing error and issue me a credit for {$100.00} on XX/XX/18. 

On XX/XX/18 I called Chase Mastercard Credit Dispute department and spoke with XXXX ( Credit Dispute Supervisor and asked why Chase was not able to resolve this dispute with the information provided to them whereas XXXX was finally able to. XXXX indicated that Chase tried to contact XXXX on XX/XX/18 and was not able to speak with anyone at XXXX but unable to speak with anyone and closed the dispute in XXXX 's favor. She could not explain why but kept repeating that the information I provided to Chase was not sufficient to pursue further with XXXX.
I HAVE A FRAUD ALERT ON ALL MY CREDIT REPORTS THAT INDICATES AND ALERTS CREDITORS TO CONTACT ME TO VERIFY MY IDENTITY BEFORE CONSIDERING, OPENING OR ESTABLISHING AN ACCOUNT IN MY NAME. I HAVE EXCELLENT CREDIT, HAVE {$00.00} BALANCES OWING, HAVE NOT USED MY CREDIT IN OVER 15 YEARS AND EARN WELL OVER $ XXXX OR MORE PER YEAR WITH VERY HIGH FICO SCORES OF XXXX, XXXX AND XXXX. XXXX BANK DELAWARE COMPLETELY IGNORED MY FRAUD ALERTS ON MY CREDIT REPORTS, ACCESSED MY TRANSUNION, CONTINUED TO ADVISE ME THAT THEY DID NOT HAVE AN APPLICATION FOR ME IN MY NAME FOR THEM TO DO NOTHING BUT SEND ME A DECLINATION LETTER 30 DAYS LATER SAYING THAT I DID NOT HAVE ENOUGH CREDIT WHEN I ACTUALLY DID. XXXX XXXX COMPLETELY VIOLATED MY CIVIL RIGHTS WHEN THEY REVIEWED AND PULLED MY TRANSUNION CREDIT REPORT. I EITHER WANT THE CREDIT CARD I APPLIED FOR AND THE INQUIRY DELETED OR I WILL BE CONTINUING TO REPORT XXXX XXXX FOR THEIR FAILURE TO COMPLY TO THE FRAUD ALERT POSTED ON MY CREDIT CARD. XXXX XXXX WAS OBLIGATED TO CALL ME TO VERIFY MY IDENTITY AND ASK SECURITY QUESTIONS AT LEAST ; AND INSTEAD THEY IGNORED THE FRAUD ALERT AND DECLINED ME PERIOD WITH POOR EXCUSES FOR DECLINATION GENERATED FROM A COMPUTER INSTEAD OF A HUMAN BEING TAKING A LOOK AT THE APPLICATION AND MY CREDIT REPORTS INSTEAD OF JUST TRANSUNION 'S CREDIT REPORT ALONE. 

I DID NOT DESERVE TO BE TREATED THIS WAY, IT 'S NOT PROFESSIONAL AND THE APPLICATION PROCESS AT XXXX IS NOTHING BUT A FLUKE AND NEEDS TO BE REVAMPED OR INVESTIGATED BECAUSE IT IS NOT AN ACCURATE PROCESSING VESSLE. I AM APOLLED AT THE MANNER IN WHICH XXXX XXXX DECLINED ME AND VIOLATED MY CIVIL RIGHTS WITH MY FRAUD ALERT ; AND I MAKING COMPLAINTS TO WAKE XXXX XXXX UP IN GENERAL SO THAT THEY CAN SEE THAT THEY MADE A MISTAKE IN THE MANNER IN WHICH MY APPLICATION WAS PROCESSED AND DECLINED.
I was with Discover, got behind on payments. The situation escalated and I was getting sued by Discover we arranged payments and now the debit is paid. The problem im having is that Discover hired XXXX XXXX XXXX ( law firm ) to sue me which meant account never left Discover hands, i quote " Respectfully submitted, Discover Bank By Its Attorneys ''. So now that the money is all paid Discover changed my account from Closed to Current then the very next day Changed it to an charge-off with {$0.00} balance. How can you charge-off nothing? Only thing being done is Discover being vicious against me to hurt my credit. I been watching my credit reports, Discover only closed the account and hired XXXX to do the dirty work and now still trying to write it off as an charge-off.
I have XXXX loans serviced by ACS. I made XXXX payments in XXXX, XXXX over the amount of my monthly payment, thinking it would be applied to my XXXX payment. ACS informed that they do not accept prepayments and my XXXX payment is now past due. I have paid ACS more than my monthly amount numerous times over the past year and the money has never been applied to the next month.
As I was reviewing my credit report I examined a large amount of incorrect information listed on my report. I was apart of a massive data breach in the 2013 XXXX breach. The event of the breach severely exposed ALL of my personal information.. The negative items listed on my report that I was unaware of are due to me being a victim of identity Fraud. I am requesting that ALL of the items are removed or blocked off my report immediately according to the Fair credit reporting act section 605B.
A computer glitch that was Transunion 's probelm, not mine, caused my inquires to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days  prior to them re-adding them. 
I contacted TransUnion on XX/XX/XXXX in good faith to ask them to delete the inquiries that they illegally re-added. I spoke with XXXX, and he denied my request for the inquires to be deleted. I spoke with him at XXXX. He denied that this glitch effected me and he will not be removing the inquires. I understand my rights and legal protection. I also understand that when TransUnion had this glitch in XX/XX/XXXXand XX/XX/XXXX, it effected EVERYONE. 
These inquires added a hardship to my credit and my rights have been violated by TransUnion. 
Can you please help me from being victimized by TransUnion?
BOTTOM LINE : PayPal opened an account in my name without my consent, is holding credit card reimbursements in that account and telling me I have to pay them a 1 % transfer fee to have the funds sent to my credit card. 

FULL EXPLANATION : PayPal used a reimbursement of {$1100.00} to my credit card through PalPal to open a PayPal holding account under my name without my consent. When I called customer service on XX/XX/2019 to ask that the holding account be closed and the {$1100.00} be reimbursed to my credit card, XXXX ( the customer service representative ) told me that I could transfer it back to my credit card for a 1 % transaction fee. When I objected, XXXX talked to her supervisor and told me the full balance would be returned to my credit card within 24- 72 hours. When I called back 48 hours later on XX/XX/2019 in response to additional reimbursements being held in the holding account, the PayPal customer service supervisor XXXX told me it was a " computer glitch '' and the " engineers were working on it ''. I asked to be reimbursed so that I did not had to bear the cost of the glitch. XXXX said he could not do that but that I could transfer the funds myself for a 1 % service fee. It is now XX/XX/XXXX and PayPal is still holding {$1100.00} the account.
My wife and I were victims of the XXXX in 2011. We were offered a FEMA emergency Loan for {$20000.00}, with {$89.00} a month payments for 30 years, which we made monthly payments onXXXX turned it over to a private collection agency, PIONEER CREDIT RECOVERY, INC. XXXX. They threatened to garnish our wages, and we disputed the debt, and the verification came back that we now owe {$20000.00}, when their own form says we only owe {$15000.00} They have refused to honor our requests to go back to the XXXX a month, and I think what they are doing is illegal.
On XX/XX/XXXX, 2 separate charges of {$10000.00} each for a deposit on a {>= $1,000,000} mentorship program were put on my Capital One Credit Card. Due to the policies of Capital One the deposit of {$20000.00} were broken up in 2 payments of {$10000.00} each. The original mentorship program was designed for a 2 week training with the owner of the company. After committing to the program the owner changed the contract to a 5 day training program for a total of 6 session with a 3 month period in between each session. This would put the program an 18 month schedule and out to XX/XX/XXXX with an option of one additional session if I had to miss a scheduled session. XX/XX/XXXX, the FTC shut down the company and froze all bank accounts. As a result, not only was I  able to finish the program but not able to get a refund on my investment. In XX/XX/XXXX, I began working with Capital One to get reimbursed for the charges on my cc. I was given a credit along with the interest that had accrued. On XX/XX/XXXX I filled out and returned the papers Capital One sent me including the front page of the Receiver 's Report. ( I was told it was not necessary to send the 58 page document ). On XX/XX/XXXX, I received a letter from Capital One stating they were recharging my cc. I have not been able to speak with XXXX who is handling my case as she has not returned my calls. The case # is XXXX. In my last correspondence with Capital One I included Regulation Z Federal Law of the Truth in Lending Act. I feel Capital One and XXXX are ignoring me and the law.
Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts with various creditors. I am a victim of identity theft. I have been receiving harassing, threatening telephone calls and death threats. The following unauthorized and fraudulent accounts accounts do not belong to me : Lend Up, XXXX, XXXX. The following unauthorized and fraudulent inquiries do not belong to me : XXXX, XXXX, XXXX, XXXX., XXXX, XXXX
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX )
XX/XX/2018 I receive this deposits in my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX USD Total XXXX USD Same day at nigth i check that in my banking online that i had a bank debit for XXXX USD value, so i called at the time and made a claim, so the customer service told me that i had a note in my account for the lost prevention department so i must call them the next day, they said that department had freeze the account and they had to ask me some questions before unfreeze it. 


XX/XX/2018 First time in the morning i check the account again and i can see that XXXX XXXX were missing from my account and i called again very worried about the situation and customer service told me again that i had to call to Lost Prevention Department and ask them about that money. Finally i could made a call to them and their answer was that they had superiors orders to close my account for good with no explanations, that i had to look for another bank, they sent a letter 30 days ago to my billing address and i never get it because my home address is in XXXX and the mail service for USA - XXXX was down this new year, anyway ... after i ask them several times to understand me and help me they agree to give me back the XXXX XXXX they took that day but the XXXX XXXX from the day before they just told me to made a claim from customer service for that money. 

XX/XX/2018 I made a claim for the XXXX XXXX XX/XX/2018 I call to ask about the XXXX XXXX claim and i had check for another fraud made to my account for XXXX XXXX, that was an unauthorizing payment from XXXX XXXX XXXX, 2 days before i get a similar one and after i made a claim they put an Stop Payment Order for that company but it didnt work, after 5 hours talking with several departemtns in Wells Fargo where all of them send me with Lost Prevention Department telling me that they had the money finally Lost Prevention Department told me about one client who did the deposit for the value of XXXX XXXX some time after he come back to the bank and showing the receipt and telling to the teller some XXXX excuse the teller withdraw the money from my account and give him back, so i tell the lost prevention department that this is not legal anyone besides me or someone who sign in my account cant withdraw money from my account without my permission, that they answer me that anyone with a receipt can do it. 

Some months before another scammer try to do it the same and i made a claim and the bank give me my money back because anyone besides me cant withdraw money from my account, so why now they are telling me they can?, they ask for proof and i give them, i always have the receipt from my clients, so i can show all the proof they want. 


Thanks for your help.
In XXXX I paid an outstanding debt to XXXX XXXX and received a letter from the court saying my debt was fully paid. I have attached a copy of that letter from the court. Even though the debt has been paid I still receive harassing phone calls and letters from collection agencies. I have attached a letter sent to me from XXXX XXXX XXXX. I have tried over the years to explain to XXXX through phone calls and letters that the debt has been paid, and made them aware of the letter I have received from the court stating the debt has been paid. XXXX does not care and they continue to harass me day after day, year after year. They have even called my friends and family asking where I am and told them I owe XXXX XXXX. Also they have threatened further legal action even jail. Enough is enough I want something done.
sw credit for XXXX for {$510.00}. I believe this is not mine.
Against - Citibank/Credit card online service Details - From last 8+ years, I am regular citi credit card customer. Few years ago, I opened Citi bank account and while registering bank account online, I was asked to create new online account to add Citibank account to my existing profile. it was n't easy process as simply adding to my existing citi credit cards online account. While doing that, I lost access to the existing account and they asked me to register new account and add bank and credit card info there, which I did. Few months ago, I closed my citibank account but 2-3 weeks ago, my online access to the citi.com was stopped as it asked me to enter some banking information which considering I have closed bank account for a while I could n't provide, so I called their customer service. Again, they provided only resolution to solve this is by closing that online access, create/register another account with new loginID and register my accounts again. I simply asked to see if they can raise issue with their IT department to solve this as I have not seen similar problem with other banking companies, which CITI representative told me that they ca n't do that, and re-registering account with newer ID is the only resolution. So I simply asked them to provide this in writing that " citi ca n't solve this problem at this stage and only way to resolve this is by creating new account '', but again they refused to provide me anything in writing either. I spoke 2 level in their management chain and got the same response. I really do n't know who to complain or write about this. I only want Citi to stand behind their words but seems like they are unwilling to do so.