WillisBack/dataset-financial-user-claim huggingface dataset:
Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney XXXX that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with XXXX attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney XXXX to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX XXXX XXXX retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact.
I am being harassed by debt collectors over debts owed by tenants who rented a room in my home over a decade ago. Most recently, " American Education Services '' / '' XXXX '' have been calling and sending letters demanding I give them contact info for the supposed debtor. ( Her mother was the tenant-of-record, and she was in middle school when they lived here. ) The letter says " he/she listed you as a personal reference that we could contact to verify his/her address and telephone number '', which is a LIE ( I do n't HAVE her current contact info, and would n't give it to these scumbags even if I knew it ). The letter arrived about a week AFTER they called me early one morning for this info, and thus AFTER I told them that I had NO current connection to the debtor AND that they were BREAKING THE LAW by continuing to harass me over debt I did n't owe.
Received a communication from Chase stating as a new benefit they will reimburse cost of XXXX precheck registration. 
I live 170 miles from nearest registration site. Happened to be in XXXX XX/XX/XXXX. Which saved me a 340 mile round trip. When I received my statement with no credit was toldI should have read the fine print benefit doesn't start until XX/XX/XXXX!! 
Very misleading practice.
I contacted the original creditor several times and asked them. why I owed the {$50.00} dollars balance. at the time of visit I pay them {$50.00} dollars copay and my insurance paid them for the rest. I contacted my insurance company regarding this bill and I was told they got paid what XXXX eligible. this collection company has been calling me and trying to collect what I do not own. I told them stop calling me and they continue calling me and harassing me.
I made a reservation with XXXX in XXXX, with a quoted amount, which I have in writing. XXXX charged my American Express Account {$1200.00} more than I was quoted. XXXX has provided American Express with documents that are forged, they are not the forms I signed, and the signatures are clearly not mine. The forms I signed in XXXX were in XXXX, however they ( XXXX ) provided credit card receipts in XXXX to American Express with signatures that are not mine. I have re-filed my dispute 7 times now. I am at a loss fighting with a huge company that does not care that I have been overcharged severely, and because I did business with them, they will not file a fraud charge. This is fraud, they call it a dispute just because my card was not stolen, but it is fraud. XXXX will not respond to my emails, so I have no recourse with them ( as they are in another country ). I expect American Express to protect me and they continue to let me down.
On XXXX XXXX, 2015 we did $ XXXX in sales with our XXXX XXXX. I have a business account with Bank of America and also use there merchant services that I pay monthly for. The funds were never deposited because they stated customers may have been using fraudulent information and they needed to hold the money in case of chargebacks. They also requested that we send over invoice showing what these customers purchased. We provided them with invoices showing that customers have purchased advertising packages from us. They then stated that it was n't good enough and still need to hold funds in case of chargebacks. We have gotten chargebacks that have not been covered as promised. This also caused additional income in my account to be taken and put me in negative which they are charging overdraft fees as well. We have attempted to get in contact with our Security representative through XXXX Merchant services at Bank Of America assigned named XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ). When you call her it goes to her voicemail and sometimes she picks up and hangs up. Any time I call Bank of America they transfer me to the security department but then I 'm directed to her desk again and again. I 've left numerous voicemails with no response and now they are causing my business to suffer and not be able to operate on daily basis. Relationship with their merchant services was canceled and Bank of America is still not holding their end of the agreement to cover chargebacks based on funds on hold.
your company failed to provide the required notice of additional required documents w ithin five ( 5 ) b usiness days in violation of Regulatio n X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore , this client 's application is entitled to be treated as facially complete pursuant to Regulation  X, 12 C.F.R. 1024.41 ( c ) ( i v ).
An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number  XXXX . The courts shows I was discharged  XX/XX/XXXX .  XXXX /DBA  XXXX   XXXX   XXXX  was refinanced on   XX/XX/XXXX , while  I was under wage earner. The new loan is with  XXXX   XXXX .
In XXXX 2017 time frame wanted to look into other programs for student loan repayment. Thought I found a reputable agency called United Student Loans Solutions out of XXXX XXXX, FL. They had me fill out an application and contract which I have. Unfortunately, through this process I gave my personal identification information. Also, 2 paystubs from my current employer.
Thus far I have n't had any fraudulent activity, but I 'm hoping to stop something before it happens. At this time they have received {$460.00} from me via my debit card. I have notified my bank, they have cancelled the card, and I 've spoken with Identity Theft. I was advised by my current student loan company XXXX to get in contact with FTC ( done ), CFPB ( doing ) and my States Attorney General her in CT.
What has cautioned me to look into this is the fact they pulled funds from my account 3 days early last month, and I have tried numerous times to get a hold of them and nothing. Now their email is no longer valid, phone number of not in service and website no longer valid. There is one number that is assigned to a XXXX XXXX that rings and you can leave a message.
I would like to provide the contract, but nervous to have my information out ( again ). Please advise.
United Student Loan Solutions information : phone # XXXX Ph : XXXX Fx : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX  www.unitedsls.org email : XXXX Names : XXXX XXXX XXXX XXXX
They are from a PayPal account apparently that I owe over three hundred and something dollars that I have already paid and I keep telling them that but they don't get it they called me on XX/XX/2018
Hello, My auto loan is currently past due. Have attempted to pay the outstanding balance, but each time my debit card has declined. In talking with my bank, will receive a new debit card, but since not a traditional bank ( XXXX XXXX ) have to wait. Contacted Bridgecrest on Saturday, because received an email on Friday that my payment didn't go through. Attempted with a rep named XXXX to make payment with my debit card and again it was declined. Explained the situation to her and she placed me on hold and said that the manager said " I was attempting to buy time ''. Why would I try to make good on my account if was trying to buy time? That comment was an insult. Furthermore, she wouldn't allow my co-signer who is a XXXX vet and only gets payment once a month to set up arrangements. I have had this loan since XX/XX/XXXX, the last payment on my account was on XX/XX/XXXX in the amount of XXXX. I want to be able to make a payment arrangement on my account to bring it current.
My husband & I rented an apartment at XXXX 's XXXX ( XXXX XXXX ) since XXXX. We were good tenants and regularly had maintenance repair things, kept the place nice, etc. In XX/XX/XXXX, my husband passed away suddenly from XXXX XXXX unexpectedly. I am permanently XXXX. I went into the office and spoke to XXXX XXXX a few times explaining I couldn't afford the rent anymore and would probably have to leave. I told her I had to see when everything settled. She was fine with that and told me that they needed 60-90 days notice if i left and said they would work with me due to the situation. 
In XXXX I sent an email stating I could no longer afford financially to stay. I also went back to speak with XXXX telling her my husbands employer had dropped me and my children from insurance and now i had to pay for all my medical, prescriptions, etc. So i had no way of affording the rent and that I would be leaving by the end of XXXX. As I had informed the office by the end of XXXX, I packed up, spent the weekend cleaning, painting with help and shampooing the carpets. Now since XXXX we had paid a deposit for a cat plus {$25.00} a month pet fee. All the walls were repainted with 2 coats of white paint. there was normal wear and tear in the apartment after 7 years, the carpet had never been replaced but regularly shampooed by me. There was a spot in the bedroom they claimed was from my cat, but it was actually from the maintenance man XXXX who when our air conditioner leaked, he drilled a hole in the unit causing the stain. counters get used, etc. 
But in the end of XXXX i get a note from XXXX XXXX stating they are keeping my security deposit, i owe damages, plus 2 months rent. I tell them I don't owe as i am XXXX and my income ( my spouse ) has died i can break the lease. they sent me to XXXX who tells me they are sending me right to the credit bureau and has done so making my credit go down and i don't feel this is right. I would like them to take this off my credit report immediately and i would like the so called debt eliminated and actually would like my security deposit refunded.
Dynamic Recovery Solutions is contacting myself and my husband daily, with very threaning attitudes. I have received a letter in the mail also. This is not my debt, I do not owe this money and they will not leave us alone.
XXXX XXXX ssn : ***********, showing Chase on XXXX acct. XXXX Not my account. Please take off as I am trying to close on a house and This is holding up the closing
Chase Credit Card XXXX rewards Premier. You get 1 elite night credit for each {$3000.00} in purchases. I made a large purchase in order to receive these credits. Purchase {$12000.00} XX/XX/2018 on the card to get these nights and the total monthly bill was {$14000.00}. They kept send emails to upgrade to the Premier Plus program. It sounds like you get the Premier perks, PLUS more. I upgraded a couple of weeks after the purchase. They have not given me the 4+ Elite nights credit. I called in XX/XX/XXXX and they assured me that it would happen with 8 weeks of purchase. It did no happen. I filled out an online form asking about the Elite nights at Chase.com and no response. I called again a few weeks later, now the aren't sure if I will get them but supposedly they put it in to the promotion dept. to be reviewed. They told me to contact XXXX XXXX. I did, and they said Chase did not give them Elite Nights. On the bill XX/XX/18 - XX/XX/18 it shows the account is st

ill Premier and states the Elite night benefit. ( attached ) The next bill say PLUS.

I could have used another card, but used this one for added nights that I need. They won't respond, and you can't go back the Premier card. It was a misleading promotion. Still, these purchases were made before the upgrade, so the Elite nights should be given. 
Please help them to understand.
XX/XX/XXXX I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.
Have been trying to modified or short sell this property with no corporation with the lender and will not give enough time to do so. ON XX/XX/XXXX OF 2018 I SUBMITTED A MODIFICATION PACKAGE and then was told no time to revive it due to pending sell date. On XX/XX/XXXX of 2018 I submitted short sell package and then again was told, no time to review it cause of the sell date. This happened again for the month of XXXX of 2018. The Amount of XXXX.
XXXX  sent notice of Debt owed I called this company about the Debt to see what it was this was the first contact ever made by this company. This is a debt for XXXX XXXX. The original amount was owed in XXXX the first contact I received was on XX/XX/XXXX How can they collect this after 6 years and this is the first I am aware that it was even owed to them. The amount owed is XXXX they want to settle for XXXX I don't feel I owe this since they have never tried to collect this before.
had a pay agreement to repay the loan. last payment made was in XX/XX/XXXX however, I have been unemployed since XX/XX/XXXX. I have been paying from my savings and have now depleted all sources of income. I have contacted lending club on multiple occasions to inform them of my hardship status. after 90 days of non payment, Lending club has forwarded the debt to 3rd party collection agency XXXX XXXX XXXX. I received written notice from XXXX XXXX XXXX dated XX/XX/XXXXrequesting a response to the collection debt. I contacted XXXX XXXX on Monday XX/XX/XXXX at XXXX and spoke with an EXTREMELY rude agent by the name of XXXX at XXXX. I informed XXXX of my current situation and stated I was unable to make any payments. XXXX was very rude and did not let me speak without interrupting. further more XXXX stated, her records showed I have a XXXX Credit card in which I could use to make payments. This sensitive information was disclosed to me without my consent to pull my credit report. In addition I did not authorize XXXX XXXX XXXX nor anyone representing XXXX XXXX XXXX to pull my credit. I question why they disclosed this information with out my consent and how would they know about this without unlawfully pulling my credit file?? I find the practices implanted by XXXX XXXX XXXX in attempts to collect debt to be very unlawful. 
for the record this complaint is for XXXX XXXX XXXX ( rep XXXX AT XXXX )
On XX/XX/2017 I received a called from I received a call from XXXX from XXXX, he called back to back three times, when I answered the he asked to speak to XXXX, I responded this she, he identified himself, Then he proceeded to as for my ss # and I said I 'm not going to verified anything with he then asked for my birthday, I repeated my self, he continue to asked for my address I refused. He became very upset with and his whole attitude change. I told him you do n't talk any kind of way. He snapped you have a great afternoon, I 've just got out of the hostipal and not supposed to be under any stress. 
My husband grab the phone he hung up this is the second they called and got smart. My husband explained to them that I have a serious XXXX XXXX and their respond was somebody have to pay the bill. If we had the money the bill would be paid nobody like to be harrass
On XX/XX/XXXX it is documented with the Debt Collector was contacted by me disputed the debt and informed them this was not my debt. I requested validation of debt at that time. 
On XX/XX/XXXX I received another debt notice from the Debt Collector. On XX/XX/XXXX at XXXX XXXX  I contacted the Debt Collector and spoke with XXXX. She informed me that I disputed this on XX/XX/XXXX and it was not approved. I informed her to stop contacting me that I will seek legal counsel.
I started writing XXXX XXXX XX/XX/XXXX about this debt listed on my credit reporting asking them to validate the debt they say I owe in the amount of {$4200.00} for a phone bill. They informed me via response that they spoke with my wife. Which i never been married. About this account that am disputing. They sent back a itemized bill which is NOT validating the debt. On XX/XX/XXXX i wrote another letter to them asking them again to validate the debt in the amount of {$4200.00} they sent back another itemized bill on XX/XX/XXXX which is NOT validating that debt. On XX/XX/XXXX, it is notated that they received my letter but still could not produce validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove i owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. Furthermore, when i searched Illnois laws, this collection agency isn't even bonded or licensed to collect a debt in this state. I request full removal of this debt associated with any of the credit reporting agencies ASAP
Equifax has posted an account from  XXXX   XXXX  stating I have a charge off for a auto loan. This information is not correct, nor did I have a balance when vehicle was returned to the purchasing dealer by another dealer.   I was not contacted by the bank at anytime that my vehicle was being taken bank by the dealership purchased at nor did the dealership contact me. Also if the dealer took vehicle back dealer should have paid off complete balance prior to receiving title back from bank.   how did dealership get title without paying off loan? When was customer offer a chance to pay any balance prior to truck being returned? Loan listed below.   XXXX   XXXX   XXXX   XXXX   XXXX  {$3300.00} Charged off account Fixed rate
My mortgage fell behind due to unemployment. While applying for a mortgage modification,  XXXX  sold my defaulted lo an to Midland Mortgage/ Midfirst Bank . I then immediately began the modification process with Midfirst. I was told that they had received all of my documents for the modification. After a couple of weeks of waiting to hear about modification options, Midfirst s ent me a document stating that they have not received all of the documents for consideration of a modification. On the same day I received a notice that they 'd submitted my mortgage to an attorney for foreclosure actio n. Attorneys  filed to foreclose on my property on  XXXX   XXXX ,  2017 , without any consideration of a workout plan. I have been trying to apply for a modification and resubmitted my entire application online, but I am still getting notices in that they have not received all of my documents. While their online portal reflects that those documents have been received.
I called preferred collection and management company to inquire why are they reporting a collection that they never validated. The first rep was rude did not verify my identity proceeded to say the debt is mines and continued to talk over me I ask to speak to the manager who he left me on hold for over 9 mins when she get on the phone she did not verify me and she also stated that they do not have to validate debt and one letter was fine which I told her I never received any letter I ask the manager do you understand that your rep did not verify me before he gave the mini memoranda she told me not to speak to her that way I have the call recorded and they kept being combative would not let me speak to resolve this issue
I am a customer with Barclay card us my arrival card number is XXXX XXXX XXXX XXXX my other card number is XXXX XXXX XXXX XXXX XXXX XXXX is my name date of birth XX/XX/XXXX social XXXX mothers madian name XXXX address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX my complaint is that I told Barclay card that I had a emergencey do to bad weather and power outages in new york during noreaster storm that I needed to increase my credit line on both of my accounts to at least 7,000 or higher. ive been a good customer I made my payments on time even ive been overlimit on my account but I made my payments, I'm surprised that Barclay card us don't help their customers when it comes to an emergencey or disaster. they need to change their policy, also they constantly like to do hard pull on credit reports in order to do a increase that destroys peoples credit scores, other banks like XXXX and XXXX do soft pull in order to increase credit limit increases. it sad that I have a credit card with Barclay us, but I was in a emergencey hear where I needed gas and a increased to pay my sons school bill and they still couldn't help me here, they threw me and my kids under the bus, all I'm asking for Barclay card us is help me please help me hear and be more responsibly when is comes to a emergencey.
I co-signed an auto loan for my daughter. The loan has been paid on time every month since its origination. Recently I was notified of a late payment or a payment not properly credited.I have sent a schedule of all payments along with cancelled checks for the past three months with no response. My daughter continues to receive collection calls, while I have never been contacted despite my guarante.It is an high interest loan with a beginning balance of XXXX and a current balance of under 6,000.00 No previous delinquency no previous collection efforts
The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2018.
I thought that a collection can stay up to 7 years on my credit report. Now I found out that all my bad dept was removed after 7 years. This year their all show backup under a different collection agency. Some of them now on my credit report over 10 years. I think there is a violation under the fair credit act. It was created to give people the chance to rebuild their credit. Here is XXXX removed out my credit from equifax on XXXX. XXXX credit agency XXXX from XXXX in the amount of XXXX and removed by transUnion on XXXXXXXX. And this amount was put back on my credit report by XXXX on XXXX XXXX. And I have many more just like this and those all are medical bills.
Old Navy has listed XXXX accounts XXXX closed due to a lost card and the other XXXX claims that I am authorized user but that comes from a previous relationship asked to have both removed and nothing has been done.