WillisBack/dataset-financial-user-claim huggingface dataset:
Statements : Ending period  XXXX / XXXX /   17  ; Balance {$31.00} Ending period  XXXX / XXXX / 17  ; Balance {$160.00} Fees charged {$120.00} Ending period  XXXX / XXXX / 17  ; Balance {$1600.00} Fees charged {$40.00} Ending period  XXXX / XXXX / 17  ; Balance {$1700.00} Fees charged {$59.00} Ending period  XXXX / XXXX / 17  ; Balance {$1700.00} Fees charged {$56.00}.      XXXX / XXXX /   17  was the first time, I received a letter advising me that my account was past due. Prior to the  XXXX / XXXX / 17  letter, I never received any hard copy or email statements or telephone calls  from Citi regard ing my past due account, but yet fees continued to accrue.     On  XXXX / XXXX / 17  I made a $  XXXX  payment to  Citi via th eir website.     Since  XXXX / XXXX / 17 , I have been calling  Citi Custom er Service to dispute all of the Fees Charged to my account, a total of {$270.00}. All of my attempts have been unsuccessful because the account is closed and no one can assist me.
JPMorgan Chase  attempted to contact me regarding a credit card debt collection on another person 's phone number, without permission or my providing that person 's phone number.
I received an escrow refund XX/XX/XXXX in the amount of {$2800.00} from XX/XX/XXXX. Wells Fargo has requested reimbursement of this refund XX/XX/XXXX claiming that the refund was an error. When the refund was provided, I contacted Wells Fargo numerous times to confirm that the refund was accurate. In addition, I did not deposit the refund check for several months. I think it is unreasonable to expect a repayment of nearly {$3000.00} more than two years. In addition, I feel that I did my due diligence as a customer to alert Wells Fargo of a potential error. Since receiving this notice on XX/XX/XXXX, I have contacted Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have a letter dated XX/XX/XXXX that Wells will complete research and contact me by XX/XX/XXXX. I received a message on XX/XX/XXXX from a Wells Fargo representative that there has been a resolution and to contact him. I have left several messages and never spoken with him with respect to what the resolution is. Now, I am receiving notices from XXXX XXXX XXXX, XXXX to attempt to collect this debt. In the information provided by XXXX, there is a copy of an email from Wells Fargo to XXXX XXXX on XX/XX/XXXX stating that " we have completed our process and our homeowner has not responded to our attempts to address this. '' I have documentation of my multiple attempts and follow ups and I truly do n't know what more I can do thus I am filling this complaint in hopes that this process can help me to resolve this issue. Thank you. XXXX XXXX
For years my student loan payments were on automatic draft from my bank account. Suddenly they were n't able to draft the money eventhough none of my information changed. I contacted them to see if maybe a digit was off, I aslo went in to my bank where I was informed there had been no attempts to draft any funds from my account. After going through this for several months and late fees and NSF fees that were never returned I changed the method of payment. Still my phone continued to ring month after month and my co-borrower was being contacted eventhough the payments had been made up-to-date. To make matters worse they also charge to make a payment over the phone which after much complaining from me was waived.     Company : Navient/ XXXX   XXXX
I went in to close my PNC account. It was negative at the time and I paid to bring it up to a positive balance and then closed it. The lady I spoke to who was closing my account said she put it in, but since it was a Saturday it would n't go through until Monday or Tuesday which was fine. She then cut up my PNC card and that was it. About 3 weeks later I got a notification that my account has been over drafted. I spoke to them on the phone and they apologized, but said I needed to pay the fees and then close my account again. Now I am being charged calculated service charges for an account that was supposed to be free and also closed over 2 months ago. At no point was I notified that they could n't close my account.
Im not sure if this man is calling from the same company, but hes calling my children leaving messages as if ive broken laws and that hes calling the authorities. They put me into collections fraudulently and i fought it on my credit reports and the account was removed. This would be the only company harassing me since all my debts were included and discharged in a bankruptcy. He says his name is XXXX and his # is XXXX
I signed up for XXXX so sometimes the people email me about working for them and XXXX or being a my for their child. I had received a email XX/XX/XXXX saying that someone wanted me to contact their sister because she 's interested in me being a XXXX for her child. I emailed the email she had gave me giving them info about who I am and my experience in XXXX XXXX. I received a email back the same day and it said they 're interested in my working for them and being XXXX for their child and that they are on vacation in pureto rico right now so I would n't be XXXX until they came back. I was told I was going to receive a check they wanted me to cash and take my first weeks pay and send XXXX to the " landlord '' for Their house. When I received the check in the mail the next day I went to the back to cash it at Santander and I was told it would take a couple of days to go through. I went back the next day and met wit a lady there and she told me the check was fake so I texted the number I was given in my email and said that the check was fake and the person kept denying it and while I was texting the person I was still with the lady and she told me to prentend like the check went through and lie to the person so that they would send me the account number and so the person can send the account number so they could track who sent me the fake check. But the person did n't send the number so I told them I will be reporting it and I hope they have fun getting locked up. I 'm on here because I go to XXXX XXXX XXXX in Vermont so I 'm nowhere near XXXX XXXX in XXXX where I was when the incident occurred.
I am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.
I live in the state of florida. Hurricane XXXX came across my county on XXXX/XXXX/16. I suffererd wind and water damage. I filed a homewoners Insurance claim. The insurance company paided my claim. Because it was over {$2500.00} the checks was made to me and the loan provider. XXXX c/o Loan Care is my loan provider. Loan care has a loss draft insurance section that handles all claims. I set up a account, overnighted both checks. I have received only food re-imbursement of {$350.00} from {$9.00}, XXXX that was issued to me. I have sent in all required paperwork, including receipts, bank statements and request for assistance from corportate. We have yet to received any written response from the company. The loss draft section I believe is committing fraud by hold non-loan money and documented repairs completion moneys from the homeowner and conducting deceptive business practices by dragging out this process. Every time you you call it is 3 to 5 days, 7 to 10 days. Stories change like the wind. I have numerous documents available to support this claim.
I was traveling abroad in a remote area XXXX 2015. Prior to my trip, I contacted a Capital One customer rep to help me set up a future automatic payment while I was abroad, as I anticipated I would not have easy access to internet. When I returned, I realized the payment had not gone through and they filed a 30 day late payment for XXXX 2015. I believe that this is an error on the part of the Capital One rep, as he set up the automatic payment incorrectly.
I called Citi Bank XX/XX/2018. My request was that they please keep the interest rate where it is now, as I can not keep paying the minimum payments while the Interest rate keeps increasing. The account was closed ( myself ), and I have been making the minimum payments and never have been late. 

They refused to either keep the Interest rate where it is now, or take lower ( reasonable ) monthly payments. 

I informed them that if they don't work with me the minimum payments will be too much. I have offered them {$80.00} per month and please keep the Interest rate where it is. 

This is my obligation and I do want to pay it. I am not looking for a way out, it is my responsibility. Just please, work with me with in this matter. 

The response was this : They can not help UNTIL I make a payment that is LESS than the minimum due. At that point, it may be determined that there are financial difficulties. Why do I have to go to that extreme in order to receive help and cooperation? 

Would Citi Bank please, please be reasonable? 

Thank you for your time and consideration.
Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX. XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX's taxes that I filed with my husband.
Msw capital bought the debt from XXXX XXXX. I do not owe this bill because this bill is a result of identity theft. I never had a XXXX credit card. Now I have a lien with a small claim judgment against me. I just came out of bankruptcy and will loose my FHA loan because of this.
I was purchasing some concert tickets through XXXX  and the seller asked to use XXXX to transfer {$100.00} for 2 tickets in which he would then email me the tickets. I figured that XXXX had the same protections as XXXX services. I transferred the {$100.00} and the individual never emailed the tickets or responded to text messages. I contacted Wells Fargo within 45 minutes of the transaction and they informed me they couldn't stop the transaction so I am now out {$100.00} and not attending the show.
I received a phone call from one of my supervisor 's ( I am in a federal training program ) called me and informed me that someone was trying to get in touch with me and I only had 2 hours to return the call otherwise they were going to take further steps of action. Out of fear, I did return the call and it was a group called the XXXX XXXX XXXX out of California wanting me to make arrangements to pay off a debt that is not mine. Said they were representing Capital One Credit Card Company. I decided to pull up my credit report and also found where a credit card with the same company had been opened or {$300.00} 's and then paid off so apparently who ever is doing this has done it before. Supposedly the account was opened up in XXXX ( I think this is the date they told me it was opened. I was so upset I am not sure ) and paid on regularly until XXXX and then stopped paying on it. They threatened to freeze my bank account. I am on XXXX and can not afford to have my account frozen. They tried to get me to agree to pay off a {$310000.00} 's with a one time payment of {$900.00} payment and emailed me a contract pertaining to that. I have the phone number which they contact me on and there is a different phone number on this so-called agreement they sent me but no address. The first phone # is : XXXX. The phone number on the supposedly agreement is : XXXX Fax # : XXXX.
I kept trying to explain to this person that it was not my account. You can pull up my credit report and see that. Except the one I just found from Capital One which has apparently been paid off in full which I did dispute.
I contacted Capital One myself and I am waiting to hear from them within 48 hours.
Massive data breach involving consumers personal credit information by Equifax!! Ridiculous and this needs to be addressed and a reckoning. I am dumbfounded how my personal information could be compromised by a large credit reporting agency and expect something to be done about this.
yes I did not receive an item from a merchant I advised my bank PNC and they issued a temporary credit but reversed it. By law if I do n't receive something even though it shows delivered to a mailbox I have rights to protect me instead of them working the case they denied my claim and I provided them with proof and claim and tracking information
Company is Portfolio Recovery Associates ( PRA ).

I have repeatedly asked them to : 1 ) stop calling me until they provided me with proof of ownership of the de

bt 2 ) provide me with a document trail ( legal trail ) that they do indeed own the debt and are legally entitled to collect it ( date acquired/how acquired/verifiable proof, not just a comment in a phone call ) 3 ) provide a list of payments made since they acquired the debt 4 ) provide a document trail of other third-party companies ( law firms/private collection agencies ) that they have used to collect payment from me and provide full payment statements from those companies 5 ) complete statement of all payments made and any additional charges that were added on to debt 6 ) stop calling me repeatedly throughout the day 7 ) stop leaving empty voicemails or to leave voicemails 8 ) stop claiming that I am refusing to resolve the debt that they allegedly claim I owe to them 9 ) prove that they are not trying to collect on a statue barred debt Portfolio Recovery Associates claim in their phone calls that I am 'refusing to satisfactorily settle the debt in during ( the ) phone call ... '. This is a statement that THEY repeatedly make in the few calls I have had with them. I repeatedly deny during these calls that this is an accurate statement made by me. It is a statement that THEY are making and then claiming that I have said.

I have not told them that I would not work with them to settle the debt, only that I want legal, verifiable proof that they are legally entitled to collect. 
They have not bothered to send me the documentation. They call from various numbers up to five times or more a day, daily. They have now called me on Sunday at XXXX ( XX/XX/XXXX, XXXX ) which is in violation of legally allowed calling hours : " It is legal for debt collection agencies to call you ... and between XXXX XXXX and XXXX XXXX ( your local time ) on Sundays. '' PRA has sent one document that looked like someone typed it up on a computer, scrawled out some illegible signature with illegible date. Then photocopied it and mailed it. No court stamps or other identifiable, track-able information on the photocopy that could provide legal traceable verifiable proof. No court that I can contact, no cause number, nothing. 
I feel they are harassing me and trying to bully and intimidate me into making a verbal agreement with them over the phone before they fulfill my legitimate request for legal verifiable documents from them. I believe that the statement they make that I am 'refusing ' the debt is an attempt on their part to coerce me, bully me, intimidate me and indirectly cause me to feel threatened and an attempt to try to take additional illegal actions against me.
I received XXXX calls from Capitol Management in XXXX Ny all within a 3 week period asking for XXXX different debtors who have absolutely no relation to me. When my husband called them back after the XXXX call he was told that my number appeared on XXXX different accounts there all in the same department & that was not an unusual thing to happen. I let it go, thinking that might be true until my XXXX year old daughter received a call on her cell phone ( under my name ) asking for another different name. I then decided to call myself and was told that her number and my number would be removed. The man stated that he could not tell me how my number or my daughters number got on all of those accounts but clearly one of there employees intentionally placed the numbers there to harass me. It was completely swept under the rug to cover up there illegal practices. I was told that I would need to call back and talk to there compliance department. If adding peoples number to an account to harass someone you just do n't like is a common practice for them then they should be out of business. I will be filing an attorney general complaint
XXXX XXXXa.k.aXXXX ( XXXX ) a.k.a. Federal Credit Corp. a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX a.k.a. XXXX XXXXcomplaint with Consumer Financial Protection Bureau ( CFPB ) XXXX/XXXX/XXXX - Original debt to XXXX discharged in bankruptcy ( please note that all account numbers given to me are different from the original account number from XXXX ) XXXX/XXXX/XXXX - XXXX ( XXXX ) sent collection letter for {$9400.00} ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX, phone : XXXX, fax : XXXXXXXXXXXX/XXXX/XXXX - XXXX permanently closed account per XXXX XXXX - Federal Credit Corp sent collection letter for {$10000.00} ; XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX permanently closed accountXXXX/XXXX/XXXX - I filed online complaint against them. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone ( never been listed with original debt ) looking for my spouse, claimed to be representing XXXX/XXXX and threatened legal action if $ 14,000+ debt was not paid over phone, insisted that debt was made in XXXX XXXX and payments were made until XXXX, refused to send any documentation supporting claim, XXXXXXXXXXXX/XXXX/XXXX - Contacted bankruptcy attorney and was told it was a scam, not legal, and I was covered under bankruptcy laws. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX said the debt for {$4500.00} was charged off in XXXX XXXX and then sold to XXXX XXXX in XXXX XXXX. Phone : XXXX, fraud line : XXXX, customer service : XXXX - XXXX XXXX has no records of debt. Phone : XXXX, XXXX - XXXX XXXX XXXX called my cell phone, looking for my spouse, and wanted to collect debt for XXXX/XXXX claiming same as XXXX ( same scam? ), agreed to accept proof of bankruptcy either via fax or email ; upon receipt I need to call them to verify that file is permanently closed, phone : XXXX, XXXX, fax : XXXX, email : XXXXXXXXXXXX - Filing complaint against all involved to end this illegal harassment over a non-existent debt.
XXXX did not have a permissible purpose when it made an inquiry of my Experian credit report on the following dates : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Please have Experian explain what permissible purpose that XXXX XXXX had when it accessed my sensitive financial information and to provide any documents to support their reason.
Navient is servicing my loans and the balances are getting out of control. I questioning the amounts and practices of Navient. I would like for the XXXX to be verified with my college.
Since XXXX I have paid for our original 6.5 % mortgage. 
{$1400.00} X XXXX = {$510000.00} {$150000.00} to fleet mortgage {$360000.00} {$49000.00} to XXXX {$310000.00} {$200000.00} to XXXX {$100000.00} {$100000.00} to the modification From OUR {$52000.00} escrow we paid {$44000.00} to credit cards In XXXX XXXX we paid off all of the credit cards the escrow and all principal and interest due on the loan. We have {$220000.00} equity Plus {$47000.00} We have {$270000.00} CREDIT. NOT a {$270000.00} balance. 
I gave Ocwen written notice that I did not want any more credit and wished to close the account. I want them to release the lien. They have {$50000.00} for the 2 % interest I paid them on NOTHING. 

RELEASE my LEIN
LoanMe contacts me XXXX times daily from varying phone number area codes all day long. I have a receipt that states " Debt paid in full ''. This company contacts me after I have already emailed XXXX cease and assist emails. 

Additionally, this company continues to write emails and call me 24 hours a day.
My wife and I experienced financial difficulties in XXXX. We requested a loan modification from the servicer of our mortgage. Initially we were told that we had not submitted sufficient financial information. This was rectified within two days. Then the servicer lost the new information. Within a few weeks we were informed that the information had been found and that our request was being processed. Five months elapsed with regular contacts from us but no response to our modification request from the servicer. Then the loan was sold to another holder and the servicer was changed. The new servicer told us we would likely qualify for a modification, but that we would have to submit all new financial information, which we did. In response, we received a short sale offer. We protested that we were requesting a loan modification. Many months passed and then the servicer requested all new financial information, which we provided. Again many months passed and again we were offered a short sale. When we refused the short sale, the lender began a judicial foreclosure. After a few years in court, the judicial foreclosure was settled with a loan modification. XXXX parties waived any claims arising out of events prior to the settlement except as to the obligations identified in the Settlement Agreement. This took place in XX/XX/XXXX Since then we have made all required payments on time. Nonetheless XX/XX/XXXX, our mortgage statements began including the statement that we owed {$3300.00} as " recoverable advances ''. Neither this sum, nor the concept of " recoverable advances '' was mentioned in the Settlement Agreement. We have written to the servicer asking for an explanation of this charge. Our most recent request was on XXXX XXXX, XXXX. On XXXX XXXX, the servicer sent a reply stating that it would require additional time to review our inquiry but that a response would be forthcoming within 15 days. None has been received, and our most recent statement, dated XXXX/XXXX/XXXX still shows " recoverable advances '' of {$3300.00}.
I have been locked out of my coinbase/XXXX account for 30 days. 
I was never given a reason why I was locked out and all methods provided to contact customer service are dead ends. 
I have roughly {$200.00} USD and approximately .8 ETH ( roughly {$960.00} USD ) locked in the account and have no way to access it. 
I attempted to resolve the issue with the online customer service form on XX/XX/XXXX and was never responded to. 
I attempted to resolve the issue with customer service over the phone on XX/XX/XXXX and was never able to reach a representative. 
I attempted again to contact customer service via email on XX/XX/XXXX and was never responded to.
On XX/XX/XXXX I submitted a complaint through cpfb because Experian refused to move a collection account in the amount of XXXX from XXXX XXXX that did not belong to me after I put in a dispute with all three credit bureaus, and the other two removed it  because it could not be verified, however Experian told me to work with the collection agency & the collection agency said I needed to contact Experian. The results came back on XX/XX/XXXX with Experian responding saying that wanted proof of my addresses from the last past two years, a copy of my Id & SSN card, I sent all that into Experian & I was informed they did n't receive it. And it was definitely sent to them.
After receiving numerous solicitations including a card for Exec. VP to get the Discover card I applied online on XX/XX/XXXX and asked me to provide all the information including copy of my driver 's license and social security card which I did. I did not apply to get more credit as I am only using 21 % of my available credit lines but they offered interest free balance transfer with no fees which attracted me to their offer. They refused because their letter stated " UNABLE TO VERIFY CREDIT REFERENCES/APPLICATION INFORMATION '' This is a total fabrication as I have verified that XXXX provided Discover with a hard copy of my credit report.