WillisBack/dataset-financial-user-claim huggingface dataset:
They called to inquire about our late payment. I explained that we had moved recently and that I was starting a new job and would n't receive my first paycheck until XXXX/XXXX/16. They proceeded, and continue, to call multiple times a day several times a week. I kept telling them the same thing each time they called. Finally, XXXX XXXX cam and I made an electronic payment, as promised, and it cleared my bank on XXXX. Apparently, it has not cleared their bank. They called me again yesterday and today. 
Calling and harassing me is n't going to make their bank accept my payment any faster.
I'm the cosigner for my daughter. She had gone thru some medical issues and was laid off. My financial status has changed drastically being XXXX. An injury from work. I tried to work out a settlement which they agreed I could lock it in with a parent pay out. Then daughter take over payments she could afford. Mrs XXXX  was such a unprofessional person to deal with at times felt I was being scammed and harassment didn't end. I'm filing chapter XXXX unfortunately. We would come to terms but shed never put it in writing so I'd tell her I'm not comfortable she was exstremely mean I saved dates and times and shed deny talking. So I told her till I get settlement in writing I'm not moving forward .she also bullied my daughter made her cry she was so mean thank you for your, help XXXX XXXX .
1. On XXXX/XXXX/2016 - I received a security alert from Bank of America ( XXXX ) that my banking password had been reset. I did not ask for a password reset. I immediately tried to log into my account and was unable to do. I finally got in touch with BA fraud unit. I was told they could not help me that I would need to go into a bank and identify myself. The bank was closed on XXXX/XXXX/2016 for XXXX XXXX. 
2. I went into the bank on XXXX/XXXX/2016. Showed my ID and my debit card ( which they kept ). I was told I needed to close that account and open another one. They were able to show me all of the fraudulent transactions that the predator had made. See attachment " A ''. Another account was opened for me, a temporary debit card was issued and I was given the routing number and checking account number to give to my creditors to set up automatic draft for my bills as I have used with this bank for the last 25 years. I did so. 
3. On Thursday XXXX/XXXX/2016 - nine days later, I received a call at my home from BA Fraud Unit, after a series of questions I said to the person, these questions sound as if I am being indicted for what happened to my account. I was told, " there is no way a person could have gotten into your account unless you gave them your pin number. '' I said to the person over and over " I have never given anyone my pin number. '' The person again repeated the indictment. She told me I would have to go in and open another account. I told her I had done so already and the bank had sent me a new debit card. She put me on hold for a while, when she came back she repeated her indictment and also told me, " You will never be able to open an account with Bank America again. '' I told her I did I did not want to, I just wanted my money they allowed someone to take from my account. I was told it was not likely that I would receive that money. After hanging up I went to take the funds from the new account to discover that Bank America had closed the new account as well. 
4. On XXXX/XXXX/2016 - I received a letter stating Bank of America may report my account to the following reporting agencies : XXXX. XXXX XXXX XXXX XXXX XXXX or both. They further stated : " This may affect your ability to open an account at another financial institution for up to seven years. Why does Bank America want to punish me a customer for them opening up another account in my name. Is this not a felony? 
5. Although I have contacted all of my creditors, I had automatic drafts to bounce and had to find money to pay all creditors. The check that goes to Bank of America is an annuity check from my late husband. Because of this happening after the posting date, I will not receive a check until XXXX or XXXX. My bills still have to be paid.
Our Mortgage company Roundpoint has been over charging us on Mortgage insurance last year and now they are charging us more this year. My husband has been talking with them since XX/XX/XXXX and each time they say they will fix the problem and it is not fixed. We asked to speak to someone higher then the person on the phone and they state management will not talk to customers. We are very frustrated with this not being resolved. We do not know if this is an honest mistake and the phone people can not figure it out but if sounds very fishy that management will not talk to their customers. I do not know if this is an honest company but after speaking to XXXX people an not getting it resolved I think this company is doing this on purpose.
Experian Credit Bureau reinserted a previously deleted collection on my credit report without my knowledge or without contacting me in any way. The reinserted collection account is : XXXX XXXX XXXX XXXX Account # XXXX.
I am disputing accounts reported by XXXX XXXX XXXX XXXX XXXX ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to XXXX XXXX XXXX XXXX , XXXX . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from XXXX  XXXX XXXX XXXX XXXX that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XXXX XXXX. In the letter XXXX XXXX XXXX XXXX XXXX XXXX stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.
They havent provided the dates that this debt was chrged off and the correct amounts of monies owed and how method of how they came to the determined amount as requested.
I was a cardholder of Chase Saphire Preffered Visa credit card, their cardholder agreement stated ( page 14 ) Trip interruption insurance reimburses for A Covered Loss ... : * Sickness experienced by my Immediate Family Member .... I filed the claim since I got sick due to bug bites, due to the resort being located on the swamp and it was not disclosed to us. We filed the claim with Chase within 20 days of coming back from US. They did not proccess our claim properly, instead filed it as a dispute, the denied the dispute and never paid any claim. In retaliation they closed the card and reported the " dispute '' to 3 credit agency 's causing credit score of the card holder go low. Also on separate occasion they breached cardholders agreement on road side assistance, when our car broke and needed tow, they refused to assist. I assume they do file claims improperly on purpose to confuse the customers and avoid paying the claims
On XXXX XXXX, XXXX XXXX XXXX has sent me a collection email on an account that was closed and paid in full back in XXXX XXXX. 
" Dear Accounts XXXX, Thank you for trusting XXXX for all your business needs. This is just a friendly reminder that your XXXX bill for the following accounts are due today. If you have already made payment, please accept our thanks and disregard this message. 

Account XXXX : XXXX You can make your payment today, restore suspended services, request payment arrangements, and/or update billing information by calling XXXX. For billing disputes or in-depth billing matters, please contact your local Commercial Billing Department at XXXX. 

We value your business and the opportunity to serve you. 

Sincerely, XXXX XXXX, XXXX, XXXX, XXXX | XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX | Fax : XXXX XXXX Available Mon-Fri XXXX-XXXX CST Description : Description : Standard XXXX logo '' So, I called XXXX XXXX, could n't help me and I have finally filed a report with FCC and XXXX. Once time XXXX got to know about the issue via FCC and XXXX, they had reduced that bill and created another problem for me by sending {$140.00} in collection without any communication via email or mail what so ever. 

I am so surprised that XXXX XXXX did that, however this is what I have received in mail and email this week ; " My name is XXXX XXXX with Access Receivables Management, I am writing in reference to a XXXX XXXX XXXX account we currently have in collections in our office in the amount of {$140.00}. It 's very important that we resolve this matter so that no further actions are taken. Please contact me at the phone number listed below or reply by email. When calling or emailing please use ACCESS ID # XXXX. 

Payments can be made by phone using Visa, MasterCard, or check by phone. You can also go to XXXX to make a payment or set up a payment plan. I am willing to help by setting up a payment plan or settling on the account. 


Thank you, XXXX XXXX. Boys XXXX XXXXXXXXXXXX http : //access-receivables.com/ Access Receivables Management XXXX XXXX XXXX XXXX XXXX, MD XXXX '' I am not sure, if a collection agency could directly ask for money, without even validating a debt. I wish XXXX XXXX would have delt directly with me to resolve instead of even complicating furthermore. 
Thanks XXXX XXXX
Greetings, I've spoken to numerous representatives and supervisors at Loan Depot about 2 short mortgage payments which they informed me could not be processed and would send the payments back to me in a form of a check. We have been dealing with this issue since XX/XX/XXXX. I received check # ( XXXX ) in the amount of {$1800.00} recently on XX/XX/XXXX and the other check ( XXXX ) which was issued on XX/XX/XXXX was supposed to be stopped & reissued I was told by a rep ( XXXX ) I  would receive my check by XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX who informed us that my check was still in a suspension account. At that point I asked if I could just make a payment for the difference so that they could process the payment in full. I was told they would be able to accommodate my request. We made a payment over the phone in the amount of {$95.00} to ensure the full loan amount of {$1900.00} would be applied to my XX/XX/XXXX mortgage payment. They assured me they would wave all late charges. The situation was still not resolved I called again and spoke with a Rep name XXXX ( sorry for the spelling error ) he informed me that the misapplied funds were not put into their system correctly to fix the issue. He then assured me that he could fix the problem because it was just a clerical error. He stated it was a matter of putting in the correct code. I asked to speak to a Supervisor he told me XXXX XXXX was going into a meeting and not avail but they would fix the issue. On XX/XX/XXXX I spoke with XXXX XXXX who stated he was a supervisor he acknowledged he understood the situation asked us to give him the opportunity to correct the issue before we went ahead and pursed legal matters. He stated he would make sure the misapplied payment would be applied to my XX/XX/XXXX mortgage payment. All late fees that were assessed would be reversed any negative reporting to my credit would be reversed. I asked for all of this in written which he said could not be given. I asked for an email address he said he would give me that either. I've called to ask for a corporate number which they say they don't have. I've been transferred and hung up on numerous times. XXXX has not called me to make sure this situation gets resolved.
I was contacted by Procollect collection agency about an apartment i rented in 2013. during that time i gave a 45 day notice i would be breaking the lease and paid an % XXXX Re-Letting fee. a couple weeks later the apartment i was renting was rented to another person. a month after that my account was reported to collections even though they stated after the apartment was re-rented the only penalty i would pay was the re-letting fee i had already paid. i have contacted the collection agency XXXX asking for verification of the debt both times they told me the would e-mail it and mail it through the post office. Neither time did i receive any verification of the debt. i sent them proof of my 45 day notice of me breaking the lease and the money i paid for the re-letting fee. They then told me they would subtract the re-letting fee i paid from the principle debt. which they never did. and i still have no verification of this debt.
I had a car loan with XXXX XXXX XXXX out of XXXX Utah. It was the worst loan I've ever had. They have robo callers call incessantly. The calls start 3 days BEFORE a payment is due and come in every 60-90 seconds all day. I did fall behind for medical reasons and worked with them to get caught up. I made every payment agreed on and paid my loan off. THEN they called and threatened to repo. They knew I was in the hospital for XXXX and specifically called and paid the pay off amount so I could relax for XXXX. I paid the amount they asked for even though it was {$650.00} higher than my records. They called while I was in recovery and demanded another {$510.00} and said they would take my XXXX right out of the hospital parking lot if I didn't pay. I paid the loan for 5 years. I paid the inflated payoff they requested. Then I paid their additional payoff demand while coming out of anesthesia. They are combative and abusive and threatening. I've had a CPA review my account and he agrees they overcharged me by both the {$650.00} and {$510.00}. Then they took nearly 60 days and 5 calls to release my title. I received a title they hadn't signed off on and then had to work through that with DMV. This company is a scam. They take extra money. They harass people with constant robo calls whether or not they have a payment due. AND they threatened to take the car back after the loan was paid off... until they got another extra payment. Seriously thieves! Please stop them!
I am getting calls for my brother in law every single day. I have told this company to call him and stop calling me. I owe no debt. They are using 3rd party disclosure telling me how much he owes and that he will be sued very soon. Harassing and frankly making me feel very uncomfortable. I might hire an attorney myself.
For the past year I've tried to place security freeze or locks on my Equifax credit report to no avail. I've called the company, written letters, and tried exhaustively online but every time I make an attempt, I get locked out or denied access to my information leaving me with a credit file unlocked and vulnerable. I don't know what else to do. This company has literally wasted hours of my life and I to this date have nothing to show for it. 
All I want is access to lock my credit report.
Good day. My names is XXXX XXXX and this is my second complaint in reference to my Capital One 360 Checking account. I sent your agency a complaint back in XX/XX/XXXX in reference to Capital One closing my without notice. I received an letter from Capital One on XX/XX/XXXX, from XXXX XXXX. in his letter he stated that he need to verify my ID and requested that I contact him. I called XXXX XXXX on XXXX ext XXXX and left plenty of messages but he has failed to return my call. Again Capital one continued to hold on to my money and has not communicated with me in reference to the account. I hereby request your assistance again with this matter.
After filing my first complaint to another bank the government might give a bailout too in the near future or did a few years ago in any case when you jump to the idea that I have accounts with Typo and Fraud Issues before contacting the CFPB and with my support behind Mrs. XXXX XXXX will bring bankers under oath for unfair practices that are ok. SYNCB retaliate by closing all my SYNCB accounts. XXXX being first and XXXX XXXX, and XXXX   XXXX. I have sent a wonderful letter to XXXX XXXX office advising her of some of her need to investigate SYNCB from top to bottom like a bad IRS Auit. This simple bank Who who is lending to me I file a complaint on a different issue and they simply retaliate and close my accounts because I reported them for a violations in the lending act. I want this looked into! I am not too fond of SYCNB right now.
Back in XXXX I received a phone call stating that my husband owed this company money and they wanted to resolve it over the phone. I asked what the debt was they told me it was a credit card debt that they wanted taken care of over the phone. I asked for written documentation they told me they could only fax or email me the information. I told them I wanted valid information that they were a legitimate company and that the debt was in fact valid before I would agree to anything. Then in the end they said t hey would send something out. I waited 2 weeks and still nothing but they were calling asking for their money I told them I had not received anything in the mail and I was n't going to pay them anything until I got proof. They sent me a letter stating that I would pay so much a month to pay back the debt. Nothing about documentation regarding the original debt. They said they were going to sue me on a debt that has been removed from the credit report and is no longer valid. I received a phone call asking to speak to XXXX I told the guy on the phone that he was not there he just started telling me information that I needed to tell XXXX not verifying that I was his wife until after he gave me the information. He gave me a bogus case number XXXX and told my husband to call ( XXXX ) them to set up a court date because of a lawsuit.
In XX/XX/XXXX, my husband and I took out a home equity loan to clear up some credit card debts. The day we signed, we had no idea how long this loan was for or anything.  We got the bill and for 8 years have been paying around $600 a month. All this time we noticed that our principal was not getting any lower and that by now the loan had to have been paid for. XX/XX/XXXX there was an additional charge of around $XXXX  we called the company around XXXX and they said that we were now paying on the principal and the interest. We told them that we were not able to pay that amount. They took a bunch of information from us and said they would assign us a case worker. They were sending us some paperwork that never came. We called again on XX/XX/XXXX. I had also requested a copy of our loan papers by USPS on that day. We had to give them all the information again. We got the paperwork but don’t understand what to do with it. My husband called the case worker on XX/XX/XXXX and she doesn’t come in until noon  eastern central time. My husband works 2nd shift and leaves just after noon each day to get to work. We still have not received the copy of the loan papers. What can we do about this?
Having issued with the three credit bureau 's. XXXX place a Fraud Alert on my credit account. I contacted XXXX via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted XXXX and TransUnion, was it would be removed by the end of the business day. Around the beginning of XX/XX/XXXX I contacted XXXX again requesting the removal, I was giving a case number of XXXX and a conformation number of XXXX stated from them that the Fraud removal was done. I contacted the other two  agencies requesting the same, I was told by both agencies that they could not remove the alert until XXXX remove it. Contacted XXXX  again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no. XXXX. also mailed in a request on XXXX XXXX,2017. as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from XXXX and TransUnion stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told XXXX  and a third party requested X/X/17 and X/XX/17
I have already disputed this account several time before I have never received any documentation showing the time date or place this alleged debt was open. What is the last date of activity on this account ( XXXX ). 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805. You are hereby notified to CEASE AND DESIT all further communication with me in  regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against XXXX XXXX GROUP with the Federal Trade Commission, the Attorney General of both XXXX XXXX XXXX XXXX XXXX state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.
XXXX and Experian is reporting a balance of {$5000.00} with XXXX account. This balance is incorrect. This account has been paid in full and the balance that should be reporting is {$0.00}. I would like XXXX to send the correct balance of {$0.00} to XXXX and Experian. I would like XXXX and Experian to correct XXXX account balance from {$5000.00} to {$0.00} immediately based on the federal fair reporting act. This account has been paid in full and is in excellent standing.
TO THOM IT MAY CONCERN, I AM AT A LOSS FOR WORDS ON WHAT I JUST EXPERIENCED. I RECEIVED 3 CALLS WITHIN A COUPLE HOURS FROM PHONE NO. XXXX. I CALL THE NUMBER BACK. A WOMAN BY THE NAME OF " XXXX XXXX '' ANSWERED AND STATED THAT SHE WORKS FOR " XXXX XXXX XXXX '' AND THAT IF I DIDNT PAY A CERTAIN OLD DEBT ( THAT WAS RESOLVED YEARS AGO FOR IDENTITY THEFT ), SHE WAS GOING TO HAVE THE SHERIFF COME TO MY WORK AND ARREST ME TODAY. I TRIED TO EXPLAIN THAT THIS WAS NOT RIGHT AND I NEEDED TO SPEAK TO A SUPERVISOR. SHE SAID SHE WAS THE SUPERIVOR. WHEN I ASKED AGAIN THE NAME OF THE COMPANY, SHE HUNG UP THE PHONE. I CALLED BACK AND THE SAME WOMAN PICKED UP THE PHONE, BUT CHANGED HER NAME TO " XXXX '' ... AFTER HEARING THE NAME CHANGE, I ASKED HER " DID YOU SAY YOUR NAME WAS XXXX? '' SHE HUNG UP ON ME AGAIN. I CALLED 3 MORE TIMES BUT THIS TIME NO ONE ANSWERED THE PHONE. I THEN USED MY OFFICE PHONE NUMBER TO CALL. THIS TIME A DIFFERENT LADY ANSWERED THE PHONE ... I EXPLAINED TO HER THAT I WAS JUST THREATENED AND HUNG UP ON. I THEN ASKED HER TO PLEASE PROVIDE ME INFO OF HER COMPANY, AND SHE HUNG UP ON ME TOO! BY THIS POINT, MY BLOOD IS BOILING. I WAITED AN HOUR AND CALLED AGAIN. THIS TIME A MALE ANSWERED THE PHONE ( HIS ALLEGED NAME WAS " XXXX XXXX '' ) ... HE TOLD ME THAT I NEEDED TO PAY WITH A XXXX OR XXXX FOR THE {$810.00} DEBT OR ELSE THE COMPANY WAS GOING TO TAKE A JUDGMENT OUT AGAINST ME FOR FRAUD AND BREACH OF CONTRACT ... AND THE SHERIFF WAS GOING TO ARREST ME TODAY. I TRIED TO PLAY DUMB SO THAT I COULD GET MORE INFORMATION. HE TOLD ME THAT HIS COMPANY 'S NAME WAS " XXXX XXXX '' ( DIFFERENT THAN WHAT THE 1ST LADY SAID ). WHEN I ASKED HIM WHERE HE WAS LOCATED, HE GOT ANGRY AND SAID " LOOK DO YOU WANT TO PAY THIS NOW OR DO YOU WANT TO GO TO JAIL '' ... I SAID YES I WANT TO PAY BUT I NEED TO KNOW WHO I AM PAYING ... SO I ASKED AGAIN WHERE THE COMPANY IS LOCATED ... AND THEN HE HUNG UP ON ME!!! PLEASE PUT A STOP TO THIS EGREGIOUS AND OUTRAGEOUS FRAUD! I CAN NOT BELIEVE THIS JUST HAPPENED!