WillisBack/dataset-financial-user-claim huggingface dataset:
Received recurring phone calls from a company by the name of Oracle Financial Group claiming fraud concerning an XXXX XXXX XXXX account. First couple of calls were from New York. The last 20 calls have been from an unknown number. 
This message is intended for XXXX. My name is XXXX XXXX I'm contacting you in regards to paperwork I received in my office in regards to a pending allegation. Please appear to be originating in your local jurisdiction. simply (? ) getting you in a possible claim of fraud concerning XXXX XXXX XXXX account. This matter is directly affiliated with your name date of birth as well. 

Gave the phone number to call back : XXXX
I have contacted this agency through the credit bureaus. I 've made multiple requests for verification and validation of this debt. I have received neither. Also, the debt collector, IC System is not licensed and bonded to collect debt in the state of Florida. However, they have made multiple attempts by mail to collect on this debt. And are reporting negatively on all the major credit bureau reports.
On XX/XX/2018 Santander Bank removed without notifying me {$3400.00}. Seems someone claimed that they sent funds into the wrong account. Seems to me that anyone can make a claim of doing this but can they show proof. Seems that the banks do not demand some proof of this. Thereby creating a back door for scamming and thief. 
i have gone into my hangouts account and have printed a portion of my conversation with XXXX XXXX showing that the funds were sent to the account specified and to me. I have added those pages to this complaint. One must remember that there is no way to print out a conversation or partial conversation for hangouts. One must copy and past to XXXX or a writing  software. 

The individual to call and confirm is XXXX XXXX her phone number is XXXX It is a XXXX number. Seems the funds were put into Ms. XXXX XXXX 's XXXX account.
On XX/XX/XXXX, I opened a Commerce bank checking account that offered a {$200.00} bonus for accounts opened before XX/XX/XXXX. The offer terms stated, " Get {$200.00} for opening a new Commerce Relationship Checking account. '' The offer also stated that I needed to provide an offer code when opening the account, and I provided the XXXX offer code. The fine print also said that my account must be in good standing for a full 90 days after opening. A couple weeks ago, I received a letter in the mail, dated XX/XX/XXXX, stating that my account was being closed for inactivity. My account was only active for 31 days, which does not seem like an unreasonable amount of time for no transactions to occur. I called Commerce to ask about it, and they initially said that didnt sound right. Last week, I received a call back, and the rep told me that Commerce Bank routinely close accounts set up online that dont have activity. My account was closed by Commerce Bank on XX/XX/XXXX. Since my account was closed before 90 days, I did not receive the {$200.00} bonus. 

The representative I spoke with told me I can keep my account open if I visit a branch. There are no branches near me, which makes visiting a branch hard to do. Commerce Bank allows online applications and allows accounts to be set up by residents of Illinois, so I find it unreasonable that I had have to visit a branch. It is dishonest to hold my {$5000.00} account deposit and earn interest on it, but then close the account after six weeks in order to avoid paying me the {$200.00}.
My loan amount was for {$600.00}, the was {$210.00} which equals to a payoff of $ XXXX.i did n't know that the APR was gon na be 786.51 % before I summit my loan, cause it does n't show you that when you apply.
I had several accounts with XXXX XXXX when I filed for bankruptcy. Instead of XXXX reporting the accounts as included in the bankruptcy, they are reporting them as sent to collections. These accounts had never even been listed as 30 days late prior to my bankruptcy because they were current. They are not only reporting the accounts that were open at the time of the bankruptcy as sent to collections, but they have also taken accounts that had been paid and closed long before the bankruptcy was filed and are claiming the same with them as well instead of reporting them as closed at the consumer 's request and paid, never late.
I faxed tax exemption paperwork ( veteran credit of {$300.00} for the year ) from the XXXX, NH town hall with selectmen signatures and state seal and approval from the state of New Hampshire to Nationstar on XXXX XXXX. I instructed them to speak with XXXX from the XXXX, NH town hall who is in charge of the XXXX, NH taxes. They told me it would take about XXXX business days to look over paperwork. Nationstar will not recognize the credit as they said they reached out the town hall and Nationstar said there is no credit on my account per XXXX. I do not think they called the correct town hall, as I told them to speak with XXXX. I then called the XXXX, NH town hall and XXXX from the XXXX, NH town hall verified that I have had the credit on my account since XXXX XXXX, 2016! So, Nationstar is overcharging me for escrow by {$300.00} since they are not doing their jobs properly. I have called Nationstar over 7 times and it seems that I am dealing with escrow customer service and managers that just do not want to look into the matter. I am very confused with the fact I submitted the appropriate paperwork and they do not want to recognize, this is illegal on their part.
XXXX   XXXX  was the original creditor the account was first delinquent in  XXXX  and they subsequently sold the account. However, after the account was sold they continued to report the sold charge off for the next 5 years. The last update was  XXXX   XXXX ,  XXXX . The account is listed as sold. They are not allowed to continue to report once they sell the account.
I recently viewed my credit report and noticed that this company has report that I owe them a debt.
I was refinancing my mortgage through Wells Fargo. After providing them multiple document proving income and several other documents ; I was decline due to a clause in the VA agreement on the closing of the mortgage. The reason I was given is that they consider my owned property as a condo when in fact it is a privately owned residence. The reasoning behind it was n't very well explained and now for me to lock in a rate I must provide a lock-in fee to the bank until they figure it out. I am a XXXX Vet and I feel I have been mistreated in this whole process. I would like a written, clear explanation as to why the VA and Wells Fargo refuse to assist a XXXX Vet.
I sent a certified letter that the debt they are collecting is not mine and I have gone through this issue already with the original debtor and other credit agencies. I told them to stop contacting me, but they continue to call my multiple times a day at my home, on my cell, to my office ....
My insurance company XXXX XXXX did n't pay the full amount which was a mistake on their part so I was put in collections for remaining balance. Since then XXXX XXXX has paid the full/agreed amount and transunion has taken the collection off but XXXX has not taken collection off.
When I pulled my credit report, I noticed two companies are reporting debt and they are not licensed collect debt in my state, per the West Virginia State Tax Department.
I got a new auto loan with American Credit Acceptance XXXX XXXX XXXX XXXX XXXX TX XXXX, just over a year ago. I pay more than my scheduled payment every month with a note to post the overage to principle. I then follow up with a phone call to request this be done. Every month when my new statement comes in the payment has not been posted correctly and they have applied the overage to their interest!! I have to call them a second time to be told that I need to call in to have the overage applied to principle.. WHAT?! I go through this every single month. I am trying to pay it off so that I can rid myself of these idiots, but when they do n't put the extra to principle my pay off does n't go down correctly. I feel like they are double dipping and getting way more than they should! Can someone please help me?!
XXXX has issued on my credit report a deliquency of {$870.00} that is NOT MINE. I have never lived at the address of XXXX XXXX XXXX, XXXX, PA XXXX. I have tried getting this resolved by going to the XXXX center XXXX 3 times. I have called numerous times, I have filled all the necessary fradualant paper work, I have obtained a XXXX police report, I have everything documented and notarized. The charge is showing up on my credit report which is making my XXXX score low which has now affected my wife and I to receive a loan we are currently in the process of obtaining. I have all proper documentation stating that the person with the same name has a different age, different birthday, different ss # as myself. I need to know what my rights are. I have contacted an attorney and if I ca n't resolve this issue I will be filing a law suit against XXXX. XXXX has already admitted that the charge was put onto my account by the collections department ... .the person with the same name never tried to put service in my name. Therefore it was an error on XXXX behalf. They need to fix it. My wife and I have been put through XXXX trying to attempt to prove my innocence that this is not me nor my charge. We are the victim and we are treated like the criminal by XXXX.
Approximately 8-12 months ago, PNC bank changed it's online banking system. 

My first statement after that double billed me for the monthly payment. I called and they said to ignore it as the system was buggy. 

The next month, I noticed that the " explanation of amount due '' section had incorrect amounts listed, but they totaled to the correct monthly payment amount. The principal and interest amounts seemed to be reversed, except they were still each off by a few XXXX dollars. I called to ask about it and they said they were working on it. I called again a few months later and they said they were still working on it. I called again a 3rd time and 4th and 5th in the following months and they can't fix it. The amounts don't add up. I requested an amortization table on the loan, but they said this is not something that they have. The payment breakdown changes every month depending on the number of days in the month. They did update my online banking statement to show payment history now ; but for record keeping purposes, future bank loan applications, and so that I can check on the progress of my loan payments ; I would like the monthly statements corrected. I have previously also requested that my past statements be resent with the correct breakdown amounts and correct remaining outstanding principal shown ; but they can not do that either. I have nearly a year of loan/mortgage statements that make no sense. I'd just like accurate records. This type of long term mistake on basic paperwork and the inability to correct it is concerning.
Yesterday, XXXX/XXXX/2015, after placing an order at XXXX, I received a security alert from discover card saying that there was a hold on the order. I called discover card and the call was passed on to the security customer service. When I asked why they placed the hold on the order the agent said 'walmart red flagged the order '. I could not understand why this was done. I called XXXX and they said that they did not put a hold or an alert on the card but that Discover card did. 
I then called back Discover card to find out what the problem was XXXX I have {$3700.00} credit line with only XXXX outstanding charge of about {$51.00}. ) I went around in circles trying to find out why this order was red flagged each customer service rep. including their so called 'executive office of customer advocacy ' gave me the same story, 'we do n't know. 
They also had the online order of {$51.00} in pending status but they took that down yesterday. I called the online store where the purchase made today and they told me that they had been paid for the order by discover card, but as of this morning there was no charge on my account. 
I informed discover card that after this order was complete that I would pay it and close down my card because I do need this kind of stress. My credit rating is very good with 100 % ontimepayments and I could get a better card anywhere. 
Today XXXX/XXXX/2015, I checked my online account and it was closed. Now I have no way of paying this. I usually pay online thru my bank account. I am a XXXX individual and this episode had been extremely stress full for me. HOw do I pay this bill and how do I know when it will be available if I do not have access to my account? I think that the customer service repsmay be trying to get even with me because I told them I was going to file this complaint. 
Please help me to figure out how to pay this bill and protect my credit rating.
i have a personal account and business account with navy federal credit union.i wrote a check by mistake for about {$18.00} from my business account and three checks totaling about {$11.00} or {$12.00} from my personal account.They closed and charged off my business account and, trans fered about {$140.00} in overdraft and fees to my personal account and now want about {$340.00} in overdraft and every 5 days {$38.00} late fees.can you help me? I am a XXXX YEAR OLD XXXX XXXX XXXX XXXX, XXXX XXXX VETERAN, ON SOCIAL SECURITY {$690.00} AND VETERAN XXXX {$130.00} A MONTH INCOME.
Hello- I have tried numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have Equifax and XXXX  Credit reporting agency remove this Bankruptcy. I've never filed for bankruptcy also this bankruptcy has never showed a dollar amount. I've tried calling, emailing and sending letters to them and they will not remover this. This bankruptcy is totally fraudulent and I need help removing this.
On XX/XX/2019 I received a letter from Ability Recovery Services , LLC in reference to an alleged debt with XXXX XXXX. I called Ability Recovery Services and informed them that this was not my debt, that I had never signed up for anything with XXXX XXXX, and I was not going to pay this debt. The CSR informed me that since my date of birth matched up with what they had in the system, that this was in fact my debt, and I would have to pay it. He further stated that XXXX XXXX would have " proof '' that I signed up and that because of that I would have to pay it. Once again I informed him that I never signed up for anything with XXXX XXXX, that I was the victim of ID theft and that this was not my account. The call ended with that, but that is not where it stopped. I got an alert from XXXX that a new " collection account '' was listed on my credit report. This collection account was listed by Ability Recovery Services,  and has XXXX XXXX listed as the original creditor. This caused my score to drop my over 50 points. I filled out an ID theft affidavit, and I also went to the XXXX Township Police Dept. This is not my account, I want it deleted from all of my credit reports. I would file suit immediately in the XXXX Federal Court, but Ability is NOT registered with the state of Michigan and they have a history of default judgments in this district.
Equifax is not responding to my request to investigate and remove accounts from my credit report that do not belong to me.
On or about XXXX XXXX, XXXX I disputed XXXX Account # XXXX in the amount of {$2400.00} with Transuinion and on or about XXXX XXXX XXXX Transunion notified me that they had removed the information from my credit report. In XXXX XXXX I checked to verify that said negative information was removed and confirmed it was indeed removed. 

On XXXX XXXX, XXXX I discovered a XXXX Account # XXXX with the same amount of {$2400.00} and same dates had been re-inserted into my credit file in XXXX XXXX. The credit reporting agencies, TransUnion included, are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please have them delete this item immediately. 

This appears to be nothing more than an attempt by XXXX to simply change the account number to circumvent the reinsertion clause that requires verification of the debt as again, no history or other information has been provided to validate the debt and TransUnion did not verify that before allowing reinsertion and has not provided that to me as required. 
I have also opened a dispute with TransUnion as well. TransUnion # XXXX Respectfully, XXXX XXXX XXXX
Seterus have a very bad customer service organization. The first 12 minutes of any call is them verifying and re-verifying all of your information even if you talked to them that same day. The servicers do not read your information in the notes after verifying who you are or prior to calling you. I have asked for 8 years, providing documents by email, fax and snail regarding my name change, with documented proof they request, at least 10-15 times. And, I notify them every single time I call that I am divorced. They still have not taken care of it. They are rude and inconsiderate. I believe I they have taken steps to hurt my account and credit because of this. I have had payments applied incorrectly, using late payments and misallocated a regular monthly payment in order to make negative marks on my credit. I requested a modification, was told I needed to miss 4 payments to do so. So I did, they came back with a horrible offer, which I had no choice but to accept. Now I am in a 40 year loan at 5.5 % interest, with bad credit on two fronts because of Seteres. They in NO WAY look out for their customers best interest. Lastly, I had a flood at my house. My insurance promptly paid. Seteres took the money. After 6 weeks, Seteres still has n't given me the money to pay contractors. I had to use 2 months worth of mortgage payments to pay out of pocket so I did n't get a lien on the house BECAUSE OF SETERES. They are rude, clueless robots that only hurt the situation and have no concern about anyone 's wellbeing.
I purchased a secondary market gift card at a XXXX % discount from XXXX XXXX XXXX. They charged my Amex card through XXXX for the amount - {$25.00}. XXXX then issued a separate charge of {$10.00} for " cash equivalent - transaction fee '' This amounts to XXXX %, no notice and vague definitions do not even get close to this type of transaction. I have been buying gift cards for years from various vendors and have never encountered or been aware of this a fee. I feel scammed and the fact that there is no notice and the high percentage should not be allowed.
Back in XX/XX/2019 Experian received a certified mail ( XXXX ) from me with a letter requesting an investigation for few violations in my credit report ... 
In XX/XX/2019 EXPERIAN reply to me with the same violations and as proof I am attaching and indicating violations in their owm report with pictures ... 
_____________________________ XXXX XXXX XXXXwith a monthly payment in a charge-off collection.. Violation # 1..

_____________________________ XXXX with past due balance in a collection account.. Violation # 2 ...

______________________________ XXXX XXXX XXXX. With Past due Balancr in a collection account ... Violation # 3 ... 
______________________________ XXXX XXXX with a Past Due balance in a collection account ... Violation # 4.. 
______________________________ In this complaint I am attaching your own report with the violations in a circle and as you can see the report show " before '' and " after '' investigation where EXPERIAN keep reporting violations of the federal law and must be remove this accounts from my report inmediatly ...
When I filed my taxes in XXXX, I received letter from IRS stating my refund was being redirected to PHEAA. I had never heard of this company before. 

I called them and told them I wanted proof of the debt. I called several times over a 2-3 month period and while I was continually promised they would mail to me what this was pertaining to, I never received anything. 

I called the IL state attorney and they attempted to contact them but also no response. They told me to try called the Department of Education.

I called the Department of Education who said they are showing no record of me ever having had a student loan. 

I do n't know what this is pertaining to or the amount which might be owed.
Atg collection agency has re-aged a debt. The original account is set to fall off my credit reports by XXXX. Atg has the removal date as XXXX. They have filed a date of first delinquency as nearly a year later than the actual date. I have filed XXXX disputes with XXXX and each time they falsely verified the information.
On XX/XX/2018 a summons to appear in court for a alleged debt from XXXX XXXX XXXX was found on my front porch, I had never received a bill from this company allowing me to request verification so I then requested validation of this debt via telephone as well as in writing. In return, on XX/XX/2018 I received a package addressed to me with someone elses personal information inside. I then wrote to the company telling them they violated someone else privacy and failed to send me the information that I requested in my name. I also included that I did not want them to handle any accounts of mine due to the untrustworthiness of the company in handling personal information. Whos to say that my personal information was not mailed to the persons information I received? On XX/XX/XXXX, the company sent me billing statements and a but failed to send me the original contract with my signature accepting the line of credit. This company has failed to send me everything I asked for in my request of verification including original line of credit limit, a contract with my signature accepting the alleged debt, and permission from the original creditor allowing them to collect on a debt in SC.
I received a letter documenting that my mortgage with Bank of America was being sold to XXXX, XXXX. The change was to be effective on XXXX/XXXX/15. The letter from BOA was received on XXXX. I have still not received anything from XXXX, XXXX claiming that they are the new loan holder. According to research they must notify me in writing no later than 15 days before the sale occurs. This time has passed. I want to contest the sale of my mortgage based on what I have learned about XXXX. I ca n't find anything good about them anywhere.
Elan Financial Services closed, I faxed a letter twice on XXXX/XXXX/16 and XXXX/XXXX/16 I was told they would reopened the account. I was told it was closed because there was cease and desist on the account, the supervisor never informed back in XX/XX/XXXX that they placed the account in no contact status. I found out today the account is still closed both faxes went through on the account. This has been a nightmare and it is affecting my credit, I have never been 30 days later or bounced any checks with them my last payment of {$180.00} posted to my checking account today. I gave the bank permission per my fax letter to contact me but now they are claiming I faxed in paperwork back in XX/XX/XXXX that states I cease and desist which I did not. I have a good customer but I ca n't get a straight answer from anyone, I have a copy of the faxed letter at home which I faxed twice. The account should have never been closed.
We have a small business as a gallery for 55 years. Wells Fargo provides my merchant credit card services. Wells Fargo overcharge for the monthly interchange charge. I asked Wells Fargo to verify the formula they use and return the excess money charged. This was done in writing and they closed my case without resolution. I am XXXX years old. Please help.
On XX/XX/2018 my tax return was loaded onto my net spend card No more than 20 minutes later I go to check my account and {$2600.00} was taken out of my account. 

I called netspend in XXXX Texas an they took my information an told me they would do an investigation. 

On XX/XX/XXXX XXXX they send me a letter saying their was no information an error had occurred.