WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX all are store cards that I applied for and then Got approved for credit limits online. I 've used XXXX inside the store aswell as XXXX XXXX XXXX XXXX. One day ( I ca n't remember ) as I was online shopping for stuff with my wife. I could n't check out using The XXXX card. So I called and the number directed me to commenity Bank. The commenity Bank represnative told me that they needed some additional verification from me in order to unblocked the account. They need a copy of my drivers license front and back, social security card front and back and bank statement front and back. I 've sent them copy of all the required documents that they asked for. So after 1 week has passed by, I decided to give commenity Bank a call to check on those documents. They said they have them and they are being reviewed. About 2 hours later, I received a Alert from XXXX ( Which was the same day on XX/XX/XXXX ) saying that Commenity bank pulled my credit report. So I them called commenity Bank and asked them what 's that all About. They said that My accounts were closing. So I said for what?? The represenative said for fraud?? I said for fraud, That 's impossible. I just got these cards and all I 'm trying to do is build my credit up. She said hold on I 'm gon na transfer u to a supervisor. I speak to a supervisor and she said that My accounts are closing because my documents did n't pass the verification..I said how is that possible?? When I sent everything that u asked for that was valid. ( XXXX STATEMENT, DRIVERS LICENSE AND SOCIAL SECURITY CARD ALL OF WHICH WERE FROM AND BACK ). She was very rude and disrespectful during the conversation. So today, which is XX/XX/XXXX, I  received a letter from commenity Bank for a entire different reason for closing my accounts. The letter said that they closed the accounts for security concerns..How is that possible and why would they even close my accounts to begin with. I have a fraud alert on all my credit files which states that any creditor is directed to contact me if anyone is trying to get cards or loans in my name and I seen when they pulled my credit report..They did wrong and foul for no apparent reason at all and I know it 's discrimination. They had no reason to close any of my accounts..They have hurt my credit score so bad with this move that they did.
I have a loan with CONNS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CONNS with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.
Transunion still not reporting current information on my student loan. Example, on my report dated XX/XX/XXXX, it only reports to XX/XX/XXXX. XXXX XXXX Borrower, states they report to TU. Transunion blames XXXX XXXX. It isn't accurately reported, still.
I went from XXXX in loans to over XXXX in a matter of an year. The company is n't willing to work out a reasonable repayment but had my payments are XXXX and XXXX and it 's no way I can afford that amount a month. How is it possible for such an increase even with the accure Interest will make my total that amount and such a short amount of time Navient taking over the loans. It is impossible and unreasonable to ask any one to make such balloon payments of that amount.
Last week I was flooded with letters from lawyers saying I am being sued. So I got on court online and saw that I am being sued by Cavalry Portfolio Services, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, N.Y. XXXX XXXX. I immediately sent them a register letter but have not received a response. I research this company online just to find they have harassed and got judgments from unsuspecting people in the past. They have been sneaking around my house leaving cards, too. I live in the country and find this scary. I ca n't say how dangerous this can be for someone.
company will not contact use directly the keep contacting family members leavening messages 3 to 4 times a day. But they will not contact the card holder. they need to contact me or my wife directly
A man called my work and asked for me. I came on the line and said I am not allowed to take phonecalls at work. He said he is just going to keep calling me at work until I take care of this. He called me 3 more times in 30 minutes. 

I said, " what company are you from? '' several times, and he would not tell me. The number that called me was XXXX. I am not sure if this is a scam or what, so I said send me the information. He said, " If you 've gotten something, why should I send you more? '' I said I thought this was something I had already paid. He is saying It 's something different. So, he needs to send me the info. but instead he just wants to harass me at work. I could loose my job.
On Monday, XX/XX/2018, I applied for a Valley National Bank Premier Checking account which was offering a {$200.00} bonus for just opening the account with direct deposit.

I was approved and my {$100.00} initial deposit was successfully processed at the end of that week.

Few days later, after a {$100.00} ACH direct deposit from another bank posted, I got the {$200.00} advertised bonus.

Then, I withdrew all the money except {$100.00} to keep the account fee free. So, my balance of the end of XX/XX/2018 was {$100.00}.

On XX/XX/2018, Valley National Bank drained my Premier Checking account without any notification at all.

On Monday, XX/XX/2018, I noticed the Premier Checking account has no funds. The automated Valley National Bank withdrawal transaction description was REWARDS CREDITED IN ERROR. I went to the Valley National Bank XXXX  Branch that day and even though I showed screen shots with the web site offer wording, the bank officer told me a recurring qualifying monthly direct deposit of {$1000.00} or more within 90 days was required to receive the {$200.00} cash reward.

Due to the unexpected Valley National Bank reward credit reversal, the account balance was under the {$100.00} minimum required balance for several days and I would be hit with a $ XXXX  monthly maintenance fee if the account remained open by the next statement date Tuesday, XX/XX/2018.

Valley National Bank advertised offer wording was clearly misleading but the way they handled the reward credit reversal was even worse. So, I decided to close the account on Monday, XX/XX/2018.

On XX/XX/2018, I got an e-mail from Valley National Bank in which they recognized the original advertised offer was erroneous and a clear explanation of the {$200.00} bonus requirements was attached. Valley National Bank also offered me to reopen the account so I can get the {$200.00} bonus by meeting the new offer requirements.

Since I was not sure if Valley National Bank will report the cash bonus correctly to the IRS, I decided to wait until I receive their XX/XX/2018XXXX form.

On XX/XX/2019, my suspicion was confirmed when Valley National Bank sent an erroneous XX/XX/2018 XXXX form. They reported the full {$200.00} bonus to the IRS.
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A )  The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Wells Fargo Home Mortgage continues to commit lender fraud. I have called them out on it. I have shown them proof of it. They continue to deny and hide it. I have requested guidelines for modifications. I have been continually denied a copy of this. I have requested a copy of a phone call to the company on XX/XX/XXXX. I have also been denied this. I have been lied to and I have been given multiple reasons as to why they will not help us with our mortgage. I have corrected and proven them wrong on all of these reasons. I have looked up the HAMP rules and know that when we started the process for a loan modification, we were 100 % eligible under HAMP guidelines for a HAMP tier II modification. Wells Fargo purposely took their time on reviewing us, and continually lied to us about eligibility knowing that the program was ending on XX/XX/XXXX. My husband had a XXXX on XX/XX/XXXX. I have been trying since XX/XX/XXXX to get the HAMP tier II ( months before the program ended ). Then in XXXX of XX/XX/XXXXthe new reason given for denial was that the program ended. We are beyond frustrated. Then just yesterday XX/XX/XXXX upon researching laws in my state. ( Utah ). I was supposed to be served with a supbeana of my foreclosure along with a timeline to respond with the court. I never ever received such a document. The way I found out that my home was up for sale at auction was on a website. This is absolutely unfair. Wells Fargo has already been fined for acts like this, yet they continue to practice them, and obviously continue to get away with it. Please stop them.
Back in XX/XX/2014 we was sent a judgement from XXXX XXXX XXXX, we was told that a lien was placed on our home .when we sell the house the money would be taken from the proceeds. Did not hear anything from the co for four years until XX/XX/XXXX when they garnished our checking account and tripled the amount we have a -XXXX. We had enough money to pay the debt, we was told that it would be frozen for a week, it is now 2 months later and Bank of America still has the account frozen. Bank of American says it is XXXX XXXX and XXXX XXXX  says it is XXXX. We need to know why a co is allowed to keep your accounts frozen, they have their money. They threatened to garnish wages for another account. Why would a co be allowed to not care and tells us that our accounts can be frozen for as long as they feel like it. This should not be allowed to not help or given a reason that our accounts can be frozen as long as they feel like it. My husband is getting ready to retire and dont know how to handle social security. The file number is XXXX.
On XXXX XXXX, 2017, I made the complain on the Consumer Finance website XXXX, today, I got a response from Transunion and they have not removed the false debt collections from medical finance. I have sent explanation of benefits and I have sent this complaint on Transunion website with no success. I do not owe this debt and it must be removed from my creditfile.
On XX/XX/2015, I bought a new car, and traded in my XXXX XXXX for a XXXX XXXX. 
On XX/XX/2015, XXXX sent a payoff check to XXXX for the balance of my loan. 
On XX/XX/2015, Hyundai Motor Finance took an unauthorized payment from my checking account via ACH as they have been doing for 2 years. I called them, told them I no longer owned the car and asked them to cancel the ACH payments. They agreed, but told me it would take 30 days to refund my payment. I called my bank who managed to stop the payment. 
On XX/XX/2015, XXXX again debited my account for another full payment, but I did n't catch it until Saturday XX/XX/2015. My bank ca n't stop the payment this time, I was too late. 
My understanding of the definition of fraud, applies in this case.
I had a loan with Key Bank which seemingly they became the holders of. There were either three other holders before them, as I recall. The loan was paid off back in XX/XX/XXXX. I have not received my original ( not copy ) proprietary lease, and share of stock. Nor have I received proof of payoff which would include a XXXX termination notice. I received only a blank XXXX with no property address or termination stated thereon and my name was incorrectly spelled. These are the collateral for the loan which originated with XXXX XXXX XXXX in XX/XX/XXXX. Furthermore I have not received my recognition agreement, or complete loan documents. I have been calling them and complaining about this and have got finally just an incorrect XXXX, and a copy ( emphasis added ) of the adjustable rate note, loan security aggreement, and RESPA statement. 
I have told them that absent the original shares of stock and proprietary lease, and a completed filed XXXX termination notice from the county I can not sell the apartment, or do anything. Six months is more than enough time to have all this done as the original documents should have been provided to me no later than XX/XX/XXXX, and the XXXX should have been sent no later than three months from closing.
I have 2 credit cards with Capital one. They reported me late in XXXX of XXXX for both cards. I had a payment due on XX/XX/XXXX on one card and XX/XX/XXXX on the other. I had just XXXX my father and was going thorugh a very hard emotional time. 

I made the payment for both accounts and brought the accounts current. My credit union also changed and I used the old accout to make the payment.The payment was returned due to insufficient funds but once I saw the wrong bank was used, it was corrected in 3 days. 

As a customer and seeing that I was never late, I reached out to Captial one and they refused to remove the SINGLE late payment. They stated that even though they got the payment the following month for double the amount, they are still reporting it late.
On XXXX XXXX, XXXX, I called Granite State Management to make arrangements to make a payment and avoid a negative credit report. I talked to a representative that was open to hear what I was saying and I told her that I forgot to make a couple of payments. She said that she understood and told what amount I owed. She said she would document that I called. I believe I asked her if there was going to be a negative credit report against me. She stated that there would not ( I believe ) as long as I made attempts to pay and because I called. I asked if I needed to make a payment that day. She said no because I said I would mail it. I was not given a specific day that I needed to pay. I mailed in a payment about a week later but XXXX the made a negative report against me. They received the payment before they sent out an email stating that a negative report would be sent out. The payment was cashed on XXXX XXXX, XXXX and the email ( re : time to avoid a negative report ) was sent on XXXX XXXX.
they called this morning at XXXX and called numerous times over the weekend, they have already been notified to stop calling as we are going thru a debt consolidation program and they still call harassing us no matter how many times we have told them to talk
received a call from XXXX -- it only came up on caller id as XXXX Fl, and I was getting ready to leave the house I almost did not answer. However, the message started out saying this message was for ... ... ( my name ) and they currently had an urgent matter with my name and social security number attached to it so at this point it sounded important so I picked up the phone ... ... ... ..the VERY nasty woman told me she was from ARS - and I was like yes, so who are you? She again said ARS - I told her I had no idea what she was talking about and had never heard of ARS - then she proceeded to inform me that she was from a collection agency. At this point I intercepted to advise her that I have been on XXXX since XXXX of XXXX and that the last time I personally was even able to make any payment on any credit card was in XXXX and it really did not matter what card what she was calling me about as the statute of limitations in the state of Florida was 4 yrs and even if they had a signed application then it was 5 yrs so either way, time barred. She continued to argue with me that how would I know anything about statutes. I informed her that prior to my becoming XXXX I was a collector and not with sub prime third party bottom feeder but with XXXX XXXX XXXX and I knew the laws inside and out. She then yelled at me enuf so that I had to move my phone away from my ear " so you think because you are XXXX you do n't have to pay a bill? '' I replied back to her ... ... ... .that would be correct because 1 ) the statute of limitations for collecting was over ... ... ... 2 ) up until I answered the phone, I never even received any communication from ARS and had not a clue who they were and 3 ) she could not touch my social security XXXX income, I own nothing else except for the clothes on my back - only thing my name is on at all is our Florida homestead and given our ages, I feel confident XXXX will actually still " own '' it by the time we die ... ... ... so yes ... ... ..I did not have to pay the bill - thru out all of this, the rep from ARS still DID not tell me who she was even collecting for - this is a violation of the FDCPA as was her threatening tone of voice ... ... ..if I had used that tone and was being monitored, I would have been terminated immediately from XXXX. This was not the first time the number called, but previously no messages had been left ... ... ... .also her message was certainly misleading and indicated that this was some type of possible social security matter, government matter, etc as she referred to a file on her desk with my name and social security attached to it, it sounded as though she was from law enforcement.
Ditech has refused to suspend the Foreclosure Auction on our property, scheduled in two days, on XXXX XXXX, 2016. They have not responded to any of the allegations in our first Complaint to CFPB other than to postpone for sixty days for a modification, which is not complete as we just finished our tax return. We applied for a preliminary injunction which was denied on notice grounds and because the judge said he was not convinced we could succeed on the merits, which is NOT the applicable standard of review. RAther, we have raised serious, substantial questions about the validity of our mortgage and note documents and a temporary STAY of the foreclosure is the only reasonable action. So Monday morning I will go back and try to get a ruling that Ditech is REQUIRED to meet with us in person pursuant to HUD regulations, as evidenced by the note they dropped off at our door asking us to " contact our office to arrange a meeting to discuss your account. '' Another person got an injunction yesterday based on that regulation, while my handicapped husband and our XXXX year old daughter were turned away by the same judge. This process is a DISGRACE and the CFPB needs to get more aggressive with these Lenders to force them to comply with the law. I called the Ditech supervisor TEN TIMES over the last two days and he refuses to call me back. If our home is sold on Monday I am going to sue everybody in sight, including the CFPB and the Massachusetts Attorney General, who is doing virtually nothing in this area for consumers, despite capturing XXXX and even XXXX dollars in judgments against the banks and lenders, for failing to protect our legal rights, and for causing extreme and ongoing emotional distress!!!!! 

XXXX XXXX DITECH telephone
I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes y
our company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

XXXX XXXX has violated the Gramm Leach Bliley Act Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting  agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
On XXXX at XXXX hrs EST, I received a voicemail from a " XXXX '' from a XXXX XXXX telling me that I needed to return the call by XXXX hrs EST ( the deadline time was before the call was made ) threatening legal action and to have my attorney call them. They left no specific details or what they wanted or who I potentially owed money to. 

The number came in as restricted but left a call back number of XXXX
XXXX XXXX XXXX Reported to Equifax that i have a balance of XXXX with XXXX XXXX XXXX XXXX. I settled This account over 2 months ago. I received a letter from the creditor stating that the account is paid. I have since disputed the item with Equifax. Equifax says that the Creditor has told them that i still owe the debt as of XX/XX/18. XXXX at Equifax said that XXXX  said i still owe, XXXX XXXX from XXXX on behalf of XXXX XXXX XXXX says that XXXX can not help me and will not fix this credit reporting error.