WillisBack/dataset-financial-user-claim huggingface dataset:
The law offices keep contacting me for another person. I have told them repeatedly that I am the holder and owner of this phone and to not contact me or this person on my telephone. They have ignored this request and continued to contact me. 

Law Offices of .. XXXX XXXX
I noticed a collection on my credit report from CREDIT CLEARINGHOUSE FOR  XXXX . THEY NEVER NOTIFIED ME IN ADVANCE STATING THAT THEY WERE PUTTING ANYTHING ON MY CREDIT. I am not aware of this account. I sent for validation of this debt and a CEASE AND DESIST TO CREDIT CLEARINGHOUSE. THEY JUST IGNORED ME AND NOW THEY ARE CALLING ME OVER AND OVER. THEY ARE IN VIOLATION OF SEC  809B  IF THE FDCPA
PennyMac, my mortgagee drafted a payment from my bank account {$560.00} in excess of the scheduled payment. They sent me a refund check for that amount with no explanation of how it happened, and certainly without interest for " borrowing '' my money without my permission for the duration.
I XXXX XXXX request that my current mortgage servicer applies their option to the Federal Housing Finance Agency for a serious reduction in principal against my home located at XXXX XXXX XXXX, XXXX, New York XXXX. I am attaching several correspondences that apply to the foreclosure crisis in America, and believe that my request for intervention by the FHFA is necessary to settle my foreclosure matter at this time. The FHFA is not only designated to help those with mortgages eventually sold to XXXX or XXXX XXXX, but also as a trustee to all mortgages connected to any designated home loan bank. XXXX happens to be one of those banks. I respectfully request intervention into my case as a matter of principal. I realize that the current Attorney General of my state is pushing for the FHFA to live up to its designated requirements. There are well over XXXX active foreclosures in New York State alone. In any event, I respectfully request the Consumer Financial Protection Bureau to prepare my file for potential federal agency intervention to mitigate damagers to the legal process that can go on for years. I believe that after every federal and state agency has the opportunity to place their input, including my Congressman in my jurisdiction, then there is a greater probability of a settled resolution.
On XX/XX/XXXX I opened an account with the purchase of furniture with the agreement of 12 mos. same as cash with an ending date of XX/XX/XXXX! The credit limit was {$4500.00}, and I set up an automatic monthly payment of {$450.00} a month to pay it off in the 12 mos.! On XX/XX/XXXX I added to my account with another purchase of furniture in the amount of {$320.00} that in my mind has nothing to do with the previous purchase even though it is the same account! The account was being paid every month like clock-work as it was on auto pay! On XX/XX/XXXX I made another furniture purchase of {$3800.00} which was also under a 12 mos. same as cash agreement separate from the first that expired on XX/XX/XXXX but was on the same account because the first agreement was about to be paid off, it had 2 more mos. of payments! According to the statements the balance was {$500.00}! However for some reason they charged me a late fee of {$27.00} on XX/XX/XXXX and I must admit that I didn't watch this account like I should have because it was on auto-pay! After the Purchase on XX/XX/XXXX I set up auto-pay in the amount of {$320.00} a month which would have paid off the {$500.00} in the two months left on the first purchase! However they charged me {$790.00} interest on XX/XX/XXXX stating that the account still had a balance on it. Well with the other two purchases of course it had a balance on it but that has nothing to do with the monthly regular payments made to pay off the first purchase! And they did the same thing with the second purchase at the end of the agreement they said I had a remaining balance and charged me {$1000.00} Interest on XX/XX/XXXX! All is done and paid off, I paid {$580.00} on XX/XX/XXXX to leave the account a balance of {$780.00} which is the interest charge for the first purchase, but they say my balance owed is {$1800.00} which is all the Interest that they have charged me on this account unjustly! I have tried to talk to them about it but I can't get an answer on the phone, and I have received two letters that basic state that I had a balance on each charge of interest which is not true. If I had a balance it would be more on the balance now than just interest! And also remember I made a purchase on the account back on XX/XX/XXXX for {$320.00}, ALL PAID OFF!! Before XX/XX/XXXX! And I PRAY that this is not being done to anyone else, it is very upsetting to me!
Ocwen Loan Servicing has listed our home for foreclosure sale 4 times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX.
In XX/XX/XXXX, I signed a XXXX year home residential rental agreement XXXX XXXX XXXX, XXXX, FL XXXX. I opened an account with XXXX XXXX at the same time. When my lease expired in XXXX XXXX paid the balance, to close the account, and moved out. Almost XXXX yearslater, XXXX XXXX XXXX sent my closed account to a collection firmwith a balance of {$280.00}. They never sent me a notice although I updatedmy address with XXXX shortly after moving.
I submitted a request for PMI Waiver on XXXX XXXX, XXXX to Loan Care, LLC. I was told I would be contacted within 10 business days. I have followed up numerous times via email and phone calls to check on the status beginning XXXX XXXX, XXXX. When I spoke to them on XXXX XXXX, they said it would actually be 45 days, not 10 business days at the very least. I still have n't heard anything from them and when I just called they would not give me any new information. It 's clear that they are stalling to get as much PMI from me as possible. My loan was just transferred to Loan Care, LLC in XXXX. When the loan was sold from the original financing bank we were in the of getting PMI Waived.
My co-signer, my grandmother made monthly payments for years after I graduated, but when I found out I could get in-school deferment, I took classes at the college where I XXXX to get them to leave her alone and get some relief from this overwhelming debt. I have been XXXX for 8 years with no permanent position in sight. As an XXXX, I am subject to my classes getting cancelled due to low enrollment, thus losing valuable income and receiving no pay whatsoever as opposed to a full time faculty member getting the same salary no matter if their classes get cancelled or not. There is no way I can afford to pay the regular payments, so I spoke to a gentleman claiming I could be approved for a program to lower my interest to 1 % for 15 months, and lower my payments to {$230.00}. Not that I can afford the amount but it was better than than the alternative $ XXXX- {$900.00} payment per month. After I paid the first month of the program, I got sent a denial letter. I think it is unfair practice to take the payment without prior approval to the program. Now I am in danger of default and short money I could have used towards other debts.
I paid off XXXX credit cards of which I was three months late on, to date it is still stating late. I have received my XXXX on these cards, paid my dues, and they informed me that they would be removed from my report upon payment, and now they refuse to remove them from my credit report.
I have over XXXX inquiries on my Transunion credit report. 
unauthorized use of name
On XXXX XXXX 2017, I sent a wire to coinbase for {$12000.00} Usd. It has been 2 months, and I still do not see the money in my coinbase account, nor has it reversed to my bank. I have sent several help inquiries on their website and have never received a reply. Please may I have the money sent back to my bank or put in my coinbase account. It has been floating for 2 months.
Credit bureaus all 3 XXXX, XXXX and Trans Union would not remove Hard Inquiries when asked.
I have been working to pay off my debts which include my student loans and car loan. I have not always been faithful in making payments but within the last 3.5 years I have committed to paying my loans off. I have talked with Navient on several occasions on how they allocate my payments ( principal vs. interest ). They have failed to fairly adjust the allocations. This unethical practice is unjust to me as a borrower and will keep me in debt on an account that can be easily paid off. At the rate I'm going I will finish paying off my car loan ( which had a higher balance and higher interest rate ) before my student loans will be satisfied.
On XXXX, an unauthorized charge of {$440.00} was made to my credit card account. I called Chase to file a dispute on the amount, which they said they were going to investigate ( I imagine because I told them I knew who did it, that my dispute must have been redirected to a department that does not care, I'll explain more on that later ). I received a letter in the mail 2-3 weeks later asking for more info, which I believe I then sent through a " secure message '' through their website ( which of course I can't find a record of, as of today XX/XX/XXXX ). I did not hear anything back from this credit card company regarding the dispute. They also reported to the credit bureaus, in late XXXX, the balance on my account that INCLUDED the disputed amount. ( Isn't that against the law? ) A couple weeks later, on/around XX/XX/XXXX, I noticed more unauthorized charges hit my account, so I went to the person responsible, and told me that they would pay me back for the " miss-click '', so I did not file an additional dispute. To prevent future head-aches with this person, I then cancelled the card, thinking that future charges would not go through, as the original dispute was still ongoing, to my knowledge. 

On XXXX, another charge of {$63.00} hit my account, so I called Chase again to figure out what happened. No big surprise here, but I was told that companies still have the ability to charge your account even though my old card was shut down. I then asked Chase to block the merchant from future charges, which they said they would do. 

Then on XX/XX/XXXX, XXXX more charges i/a/o {$170.00} and {$400.00} hit my account again!! I called again on XX/XX/XXXX around XXXX, only to be told that it takes 30 days for a blocked merchant to go into effect!?! I was never told that it would take a ridiculous 30 days to take effect. So I filed another dispute online, including the XXXX charges, plus the previous dispute, for a total of {$1000.00} in unauthorized charges on my account. 

I then receive a voice message on XX/XX/XXXX to call back a man named " XXXX XXXX '', however when I dial the extension number he left, I receive multiple dial tones as if the number is disconnected!! So I call the customer service number, and speak to more unhelpful employees that tell me they do not have a record of my call on XXXX, nor do they " believe that I called ''!!!!??? So, apparently, this time, they put on a block on the merchant ... I'll never do business with this company again and let everyone I know about this unique experience ... Lesson here, never tell dispute departments that you know who did it, otherwise your honesty will backfire!! 

And they accuse me of lying?!?! Their investigative process is a joke ; I guess my account is the punchline ...
i called and set up a payment and the representative keyed my bank cardaccount number in wrong and cause my payments to be late.
We have mortgage wit h Plaza Mo rtgage. At the time we applied and got approved we put 5 % down and we had to pay PMI till we reach 20 % equity. We have done substantial renovation and  XXXX  story addition to the house. In a result of that our home value went up about {$150000.00} that what we guess. We applied for the PMI being removed by doing an appraisal. However they refused to grant this request as they are asking us to pay at least two years of mortgage and then they would consider the appraisal and look in to the PMI.   We are paying {$220.00} per months and that could go against our principal instead.   We are requesting an appraisal to find out the value of the house to determine if we reach 20 % of the home value in equity.   Thanks
I am deeply disappointed by CitiBanks poor communication and lack of respect for their customers. My experience could not have been worse. They closed my both business and personal accounts recently without giving me a reason and made me lose much of my time for trying to communicate with their personnel to resolve the issue. They made me cover expenses I was n't ready for because my accountants had to work extra hours to open new accounts for me and to reorganize financial flow.  <P/> The person responsible for my accounts closing is  XXXX   XXXX . Not only she failed to deliver a clear message that CitiBank decided to close my accounts ( she lives in  East Coast Time Zone  and used to call me when peopl e in Pacific Time Zone usua lly sleep ). She refused to handle the issue at all after I asked her to take into consideration our time zone difference. It is unclear wh y CitiBank creates the illusion that its local branches are a helping hand. Those branches are absolutely helpless and simply waste more of your time by holding on while an important person from East Coast makes   a decision.  <P/> This poor communication and unwillingness to reply questions made me feel that I am a mere rascal who was not even worthy of communicating with. All that comes into my mind is that they thought my account activity was illegal. I withdrew cash to pay salaries to my  XXXX  employees several times. If that became a real reason of kicking me out, then they took away my constitutional right for freedom. I have freedom of choice and I chose to use cash to pay salaries. If that is not a real reason they closed my accounts then everything is completely obscure. They never spent some time to explain me why I was treated as no one. Nor they did let me know they would close my credit account. I found myself in a completely miserable situation when my payment was declined in the shop. I 've made LOTS of attempts and spent many hours to resolve these issues over the phone, by email, and commuting to the local branches.  One of the Citibank local branch managers said that California is considered to be a fraud state by Citibank top managers and they used to simply close people 's accounts when they think there is something wrong. I value my time and I want Citibank make an appropriate refund and apologize for inconvenience. I will consider my company 's reputation and my personal reputation restored then. If needed, I can go to court and stand out for myself so other people would n't be treated like that. CitiBank re quires their customers to be transparent but are not to be transparent as well. This reminds me totalitarian regime and leaves a bitter taste of disappointment and frustration.
I paid XXXX {$93.00} to settle this debt in XXXX 2013 and provided the collection agency with proof of the check that XXXX cashed on XXXX/XXXX/2013. XXXX agreed to a pay and delete from credit report, but it looks like the debt was purchased after the check was cashed by XXXX. I gave the company notice that this debt was paid in full and they still have NOT removed this from my credit repot at all XXXX agencies. This is illegal for them to try to collect a debt that has been paid, and furthermore to report negative information on my credit report.
OnXX/XX/XXXX i sent a letter requesting validation of a debt to National Credit Systems through certified mail. I dispute the mark on my report through XXXX XXXX and XXXX NCS never sent a validation letter but reported to transunion that the debt was valid. I called NCS stating the debt is n't valid without proof and it is also passed the statue of limitations law in the state of Louisiana for them to even collect. The young lady hung up in my face. I re disputed the account and contacted the BBB and XXXX. I will not stop until this mark is off of my credit report and will seek IMMEDIATE legal action
Someone open accounts using my private information without authorization and cause a debtor status to be placed upon me without authorization or disclosure.
XXXX has been non-compliant with removing the unverified account DIVERSIFIED ADJUSTMENTS which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that DIVERSIFIED ADJUSTMENTS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Caliber Home Loans, Inc. assumed the servicing of our mortgage from XXXX XXXX on XXXX XXXX, XXXX. We had our Chapter XXXX bankruptcy discharged by Judge XXXX XXXX XXXX of the XXXX District of New York, United States Bankruptcy Court on XXXX XXXX, XXXX ( Case No. XXXX ). An order of Final Decree was issued on XXXX XXXX, XXXX. In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for XXXX states, " I have confirmed with XXXX that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, XXXX XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments. 

From XXXX XXXX, XXXX to XXXX XXXX, XXXX both XXXX and Caliber hid from us an agreement they had, that placed responsibility for errors in our home mortgage account with Caliber including the time period that XXXX was the servicer of our mortgage. During the period up to XXXX XXXX, each company 's representatives would say that the other company needed to be contacted to correct the errors. Finally on XXXX XXXX, XXXX in a phone conversation with XXXX XXXX ( XXXX ) of XXXX was the agreement revealed to me. When I stated that I had a letter from XXXX XXXX, Vice President, Customer Service dated XXXX XXXX, XXXX that in order to have our concerns adequately addressed, we should contact our prior servicer directly. XXXX requested that I send her the letter and she would contact someone at Caliber to take care of the matter. I also told her that we had a similar letter from XXXX XXXX, Asst. Vice President, Customer Support and Escalations dated XXXX XXXX, XXXX. 

Next we received a letter dated XXXX XXXX, XXXX from XXXX XXXX, Vice-President Customer Disputes of XXXX in which she states, " In addition, we have been advised by Caliber that XXXX XXXX 's single point of contact is XXXX XXXX, who can be reached at XXXX. '' We never received this information from Caliber. XXXX XXXX was named as our single point of contact in XXXX XXXX but he never completed any work on our behalf to resolve our issues. 

We did call XXXX XXXX, Vice President of Single Point of Contact and he confirmed that there was an agreement in place with XXXX to take responsibility for their mistakes. However even after he contacted XXXX XXXX directly and reminded her of the agreement she has repeatedly sent us letters - XXXX in one week - in which she tells us to contact our prior servicer directly to resolve the issues. XXXX XXXX is attempting to address some of our concerns and has made some progress but it has been very slow. He is working to get some of our money returned to us that was improperly received and recorded. 

There is a concerted effort by Caliber Home Loans to hide the agreement to take responsibility for the errors in our account most specifically by XXXX XXXX, Asst. Vice President, Customer Support and Escalations. The entire company has tried to confound and confuse us and discourage us from seeking relief. XXXX has agreed that there are serious communication problems within the company and with customers.
My credit profile continues to show that I am 90-119 days late on my XXXX XXXX XXXX account. The amount is {$73.00}. However, I paid the card off over two months ago. I paid it off before it was 30 days late ; however, the company is continuing to report that it is not paid. When I log into XXXX XXXX XXXX website, the balance continues to say XXXX. I have written a letter and mailed it to the company. I paid to have the letter certified, so that I know someone at the company received it. However, the account is still being reported as late. They have not updated the information.
Equifax is refusing to remove  XXXX   XXXX   XXXX  from my credit report. Even after seeing that is inaccurate information.  XXXX  has sent several letters regarding the account should be deleted, and i have forwarded them all to Equifax yet it still remains on my file. I thought the law was that all inaccurate information must be deleted in a amount of 30 days. This has been going on for almost 120 days.
RGS Financial are calling me nonstop to collect on a debt that i do not recall having with this company.I demand that they cease and desist all attempts to collect the debt.
I disputed an incorrect date on XXXX XXXX with XXXX for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted XXXX  and they said they sent a letter to XXXX XXXX on XX/XX/XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to bbb.org. I have been getting the run around since XX/XX/XXXX and no one seems to not know what to do. FInally in early XX/XX/XXXX, someone responds to the bbb  complaint and says they re loaded my account information in XXXX and the credit companies should see it. I contacted XXXX  only for them to tell me that they ca n't see the account in XXXX, and I need to tell XXXX XXXX to complete an re insertion by contacting XXXX marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of XXXX and XXXX is telling her that XXXX XXXX  was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in XXXX XXXX, and I will attach a screenshot of the notification of the account being deleted.
I have been trying to remove my name from my daughter 's account and the Bank of America has made it impossible. My daughter lives in a different state, the bank said we need to go to any branch together to remove my name. We did this but the bank refused to remove my name because they had no Notary on staff. We called 4 different banks in our area and none of them had a notary available. We have been trying for about 4 months and my daughter has come to CT 9 time trying to get this done. But all the banks said they can not do it. I called the main number explaining the situation and they said they would remove my name. That was about six weeks ago and my name is still on her account.
I have a HELOC with Chase. It was opened on XX/XX/XXXX. I have been a Chase customer since XX/XX/XXXX. I have never paid late ; not once. I have stellar credit with not only Chase but ALL my creditors. They decided in XX/XX/XXXX to change the interest rate on my HELOC from 2.74 % to 8.50 %. When I called they stated they had to " flip it to a fixed rate ''. I completely understand moving the loan to a 'Fixed Rate '. However, fixed rates today, with my fico of XXXX is a rate of approximately 4.125 %. I DO NOT understand how they can move my rate UP by 5.76 % in one month!!!! If any mortgage lender put a borrower in a loan at 8.50 % with credit such as mine, the CFPB would be knocking on the door of the lender asap. This is completely unacceptable to charge me a rate of 8.50 % on a mortgage loan. They did not offer me ONE SINGLE option. Just sent a new statement with the payment quadrupled. Please investigate. I have the statement and proof of the increase in interest rate. I can send anything needed. This is terribly wrong and needs to be corrected asap. Thank you.