WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX and I am the President of the XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX in XXXX, Texas. I previously submitted a complaint about the Nationstar Mortgage, the mortgage company that has the mortgage on an abandoned property located at XXXX XXXX, XXXX, TX XXXX. This home was abandoned by the owners, XXXX XXXX sometime around XX/XX/XXXX. Nationstar Mortgage filed for foreclosure in XX/XX/XXXXand to date nothing has taken place. The property at one time was being maintained by XXXX XXXX and last year XXXX XXXX XXXX began maintaining it. Once again it is not being maintained and XXXX at XXXX XXXX stated they have gotten no approval from Nationstar to commence maintenance. They claim they have tried to call them and get no return calls. Please intercede as you did about a year ago with this irresponsible mortgage company and have them at least maintain the property if they are not going to foreclose. The neighbors can not sell homes with this horrible looking home on their street. It has been abandoned now for about 10 years and most likely will have to be torn down someday as I can not imagine what the inside of them home looks like after no air or heat all these years along with rotted food in a refrigerator. My address is : XXXX and my phone number is XXXX if you need further information.
I had a Lowe 's store credit card. I distinctly remember setting up my online profile to pay my entire balance every month. Sometime in XX/XX/2017, LOWES. changed that setting to make only minimum payments. I haven't been checking my account regularly. When I checked my account a week ago, I saw that they were only withdrawing {$52.00} minimum payments and charging me interest every month for the last 9 months, since XX/XX/2017. I make all my payments on time. My credit score is 800+. I tried to discuss with them but their customer service manager said that I set it that way. I want them to provide me evidence about when I made that change to make only minimum payments.
Experian is listing items on the credit report for XXXX that do not belong to that social security number. I attached a copy of experian credit report. only 3 of these accounts report to XXXX. This means, they are double reporting accounts, which is illegal. For Example XXXX Account # XXXX can not report to XXXX social security numbers. XXXX Account # XXXX is already reporting to XXXX. It can not also report to XXXX because they do not even have that number to report to. Experian is not the government,. and must honor each social as its own entity.
On or about XX/XX/2018, I received a letter from CBC Credit Service Inc., XXXX, XXXX XXXX Michigan XXXX. The letter is threating and assumptions regarding ability to pay. It says it contacted my employer and believe I have the means to pay. 
Account # XXXX XXXX is the collectors name on letter. 
I have attached a copy of letter.
Hi there, I was previously notified by XXXX that a XXXX credit card was opened under my name. I called XXXX XXXX and they said they opened an investigation to look into this and would handle figuring out what happened. Can you please check with them as the account is already reported as closed and I 'd like to remove the hard inquiry from my report. 

Thank you.
I noticed there 's a name  XXXX ,  XXXX ,  XXXX  on my Credit card report is incorrect. I do n't used that name. Also I did not open, the  two  Chase credit card back in    2005.  How do I fix this problem? My Email is  XXXX  XXXX  XXXX
After a fraudulent check was deposited into my account, the bank closed my accounts and started to proceed against me as though I created the check and was attempting to defraud them. I have banked with them for over 25 years. Despite numerous attempts working with branch managers to try to resolve the issue and restore the money for the check, Loss Prevention and Collections have acted to close my accounts, leaving a balance unpaid. I have tried to pay that balance, my brother has, my sister has. I even came into the bank with cash to pay it, and was told no. I have been told everything from they are taking that amount out of my XXXX Social Security check to they will release my check and anything in between. They rejected my SS check after telling me that they will accept it to pay off the balance and give me the balance. I have been treated rudely, with extreme disrespect. They have reported the incident, and they have refused to give names and positions when I speak to them so I can document what was said by whom. Now I do not know WHERE my SS check is, and the bank will not help me.
XXXX XXXXaccount # XXXX wells fargo bank location XXXX, Ga. 
act of fraud in customer serivcesreport balck male told a lie about replacing atm card needs to have reply in report about him -lying to m e.
First National Collection Bureau on behalf of XXXX has keep sending me letters to try to collect a debt that is over 7 years old i have repeatedly asked them to stop they also keep reporting this on my credit report. this debt is over 7 years old. XXXX had this before after disputing it they finally removed it but then these guys started. how am i suppose to clean my credit up when it always get reported as new stuff that is very very old
Dear Credit Reporting Bureaus : I have been monitoring my credit scores weekly for about XXXX years now and I am " stumped '' at the constant fluctuation in my FICO score from week to week. Thus, I have had to break down and purchase XXXX at {$20.00} per month just to try to protect myself further. Monitoring my credit scores and constantly having to fix them is taking a significant amount of time out of my life. This should never be! 

I have a complaint about your FICO score calculations and the fact that there is no " explanation '' as to the CONSTANT fluctuation in my score every week. 
On XXXX XXXX, I checked my FICO score and it was XXXX. Within one week ( today ), my FICO score dropped XXXX points with Transunion ... XXXX points with XXXX ... and XXXX points with XXXX. When I viewed my credit report, I saw that I had done nothing wrong. I continue to obtain credit offers with lower interest rates, I am never denied credit, and I pay my payments on-time with all of my new accounts. 
Since you credit reporting agencies hold so much " power '' over a person 's life ( their FICO score determines if they can buy a house, buy a car, rent an apartment, get a job, and various other " life issues '' I INSIST on a detailed, specific, verifiable explanation as to WHY my scores dropped from each of you. Since your agencies actually assigns a NUMBER which determines whether a person has " very poor '' credit ... '' poor '' " fair '' " good '' and then " excellent '' credit, there must be a certain " MATH '' that you use for each point. I demand to know the math - long form, that you have used to drop my scores. 
I have requested this about 1 1/2 year ago and was given a vague, ambiguous answer by credit reporting agencies that are authorized by the government to assign these FICO scores. This is NOT ACCEPTABLE!!!! 
Since your calculation can keep me from buying a car, home, or even rent a simple apartment. Since you have SO MUCH control over my life ... because of the FICO score that YOU determine. I want to know " specifically '' WHY my score has dropped with detailed explanation. 
When such serious responsibility is given to an organization, then ACCOUNTABILITY is required. 
So, to Transunion ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week. 
Please take responsibility by being " vigilant '' when an outsider attempts to provide information to assure that it is correct.
Navient keeps wanting me to apply for forbearance, will not stop harassing me over payments.
On XXXX XXXX 2016, I had {$86000.00} stolen from me via wire instructions emailed to me by Attorney XXXX XXXX from her business email XXXXXXXXXXXX and her business XXXX in XXXX XXXX, Florida. These funds were the balance to close on my purchase of a condominium and I had hired XXXX XXXX and XXXX XXXX to handle the closing. From XXXX XXXX 2016 through XXXX XXXX 2016 XXXX and I and others in her office exchanged more that 30 emails regarding the closing via the email address she shares with her employees, XXXXXXXXXXXX. 

As arranged with XXXX, I arrived at her office on XXXX XXXX 2016 to complete the closing. XXXX met me at the door and asked if I had wired the funds. When I informed her I had, XXXX told me right away she 'd been hacked by some foreign criminal in XXXX, XXXX, or XXXX and that this happens all the time. I was in shock. 

On XXXX 's advice I went with her to the XXXX XXXX Police Department, where she described herself as the victim. I made it clear to the police that it was my funds that were stolen not hers. On XXXX XXXX 2016, I submitted a wire recovery with USAA to the receiving bank, XXXX XXXX XXXX, but as of today there is no reply to this. 

On XXXX XXXX 2016, when I asked XXXX about reporting this to her insurance, XXXX stated to me that her insurance will not cover wire fraud so she will not report it. I know that if she had reported it, there is at least some likelihood the insurance would have helped to resolve the issue, but XXXX stated she would not report it. 

Also on XX/XX/XXXX, XXXX, advised me she was willing to resolve the issue and offered me XXXX % of the lost funds and to take a XXXX % ownership in the property. Alternatively she offered me a loan for XXXX % of the balance so that I could close. She also offered me the funds to close but stated that any valuation in the property value when I sell would go to her. She refused to put any of these offers in writing. When I told her that I felt incapable of negotiating with her, a real estate attorney, she told me if I get an attorney to negotiate for me, then she will get an attorney and implied that she will not cooperate in resolving the issue. 

On XXXX XXXX, My attorney demanded a copy of her malpractice insurance which her attorney delivered today ( XXXX XXXX ). I understand that the malpractice insurance has an effective date of XXXX XXXX 2016 indicating XXXX may have been uninsured while she was assisting me on XXXX XXXX 2016. This is grossly negligent and puts her clients at risk. 

I was acting in good faith dealing with a title agency owned my a Florida Real Estate Attorney who should have protections so customers do n't sloe their life savings like I have. It does n't seem fair that this title agency can just walk away from this failure of hers and that I suffer the loss. I need your help. Thank you. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : XXXX Email : XXXXXXXXXXXX
In XX/XX/XXXXI contacted Transunion to correct an auto loan information with XXXX creditor. They have not corrected the inaccurate info they are reporting. They are also reporting false info about an account with XXXX XXXX opened in XX/XX/XXXX and will not remove it. I have not ever had an account with this company and did not open one with them recently. XXXX  is also reporting this inaccurate information. I want these inaccuracies fixed immediately as they are preventing me from financing purchases and providing for my family.
I have tried several times in the past 90 days to apply online at Payoff.com for an installment loan. Their system has experienced glitches not allowing me to fairly apply for a loan. Most recently the system has declined me stating that I was denied based upon a credit report from XX/XX/2018, which my credit has significantly improved since XX/XX/2018. I've attempted to reach out to Payoff to correct this and have received no responses most recently in XX/XX/2018. This glitch does not allow customers to properly apply as they legally are allowed to. The company has failed to address the issues and put measures in place to insure their process is fair and complaint.
I received my bill today and noticed my interest rate had suddenly gone up to 25.49 % from my usual 23.99 %. I reported Macy 's last year. I have been a faithful and loyal customer for the last 20 years. This company definitely holds political grudges. I have Never been late. I have paid by phone the last few months. I had a {$85.00} minimum payment for the last few years. They are claiming I just recently charged {$2800.00} on my card. They claim they were giving me a promotional rate. I have not used the card since XX/XX/XXXX or XX/XX/XXXX. This amount of {$2800.00} has been on there for a couple of years. I spent a half an hour on the phone with them and got nowhere. I do not understand their representatives and they speak garbled. They have no right to SUDDENLY charge me a much higher rate WITHOUT EXPLAINATION! Please check into this! XXXX XXXX
I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM EXPERIAN AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A XXXX SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.
A court judgment has been reported incorrectly with all three of the major credit report companys. I was reported as being the Defendant where as I was the Plaintiff and that judgement was against me where as it was actually for me.
NHBA took XXXX from me, promised to clean credit, get in a first home buying situation. NHBA have had # K of my hard earned money without anything in return for my money. I received a FHA approval letter up to!! ) K and Conventional up to XXXX but No one in the city where I reside can do anything I must work with a staff person in another state inconvienously so. She has requested many documents every years. I send them she. Half heartedly sent some credit items to pay off then made a thin excuse for not sending anymore. This transaction happened in XX/XX/XXXX .I am soon to turn XXXX in XX/XX/XXXX without a home as of yet. I guess she thought I would go away or die by now but I 'm yet alive and yet working to hold my income higher by yet in the full time employment stag of life.
Hello, on XX/XX/XXXX I contacted Carrington Mortgage to refi my house, during the refi process it came to light that XXXX XXXX XXXX had put a note for {$45000.00} in the back of my loan when I did a modification with them in XXXX. My mortgage balance prior to the refi was {$150000.00}. The loan officer told me that I needed to add the {$45000.00} Note ( from XXXX ) back to the loan, or else it would cause me problems in the future and I will never be able to do a refi or sell my house. I felt pressure in doing so, this made my mortgage payment go up from {$1000.00} to {$1200.00}, which is a large increase for me. Now XXXX county has increase my taxes and my escrow is short {$1900.00}, my mortgage payment is now {$1500.00} this is a {$510.00} increase! I am very concern that I will no longer be able to afford my home. I feel like I was pressured in this refi, and very angry about it.
My mortgage was transferred from  XXXX  to Nationstar mortgage on  XXXX   XXXX  , 2017.   XXXX  says payments they receive from their former customers will be forwarded to Nationstar mortgage for 90 day s. Nationstar 's w eb site says that payments will only be forwarded for 60 days. Which is correct? Is this a way fo r Nationstar to i gnore customer payments sent from  XXXX ? Please clarify.
I discovered a recurring monthly charge on my credit card for Experian on XX/XX/2018, and again on XX/XX/2018. I did not authorize this charge and have no information regarding it. I have tried to contact Experian to dispute/cancel the charge and I am unable to contact a live body. When I enter the requested information, the automated system says it does not recognize me and hangs up. I have checked all options on the website and get directed back to the same phone number. My credit card company is disputing the charges on my behalf, but the only way I am able to cancel the recurring charge is to have a new credit card issued with a different number which I now have to contact all of my other vendors. This is extremely frustrating and wrong. I want to do what I can on my end to ensure that Experian offers the ability for someone to talk to a customer service representative about issues.
My Wells Fargo checking account suddenly began charging me a $ XXXX monthly fee. I have been a WF customer for decades ( several checking accounts, investment account and IRA account ). Nothing changed on my end. The balances did not drop below any figure a WF agent was able to identify for me. No accounts were changed. The amounts in my accounts in total are substantial and certainly exceed any possible minimums. The agent said the fees would be refunded. But, could this be another fraudulent strategy on the part of WF that is widespread at {$30.00} per customer per month ( for those that do n't notice! )?
Following a debt in question related to a visit to the hospital emergency room where, as an insured individual, a co-pay was paid in a timely manner, I received a collection notice from Transworld Systems, Inc.(TSI) at www.transworldpayments.com regarding a balance of XXXX for XXXX Emerg Physicians Acct. # XXXX which translates to TSI Reference number XXXX. The debt did not appear valid so I disputed the amount within the 30 day allowance and requested further information from the debt collector. Without producing this information to me for consideration, TSI informed XXXX, XXXX, and XXXX of the amount in question, resulting in an immediate negative impact on all XXXX of those particular credit scores, affecting my ability to lease a new home.

While the debt in question may be valid, I have been unable to contact TSI via their publicly posted phone numbers and by the phone number listed on their written correspondence which is XXXX. I have called their numbers multiple times over several weeks within their hours of operation noted as Mon-Fri XXXX to XXXX EST. I have left numerous voicemails, sent emails, and post and unable to get a customer service representative on the phone to discuss this matter. 

I am extremely upset that this company has reported a debt to XXXX third parties and further that they are completely negligent in responding to inbound inquiries. Further, their online user account system is completely insufficient as I am unable to log-in, contact support, gather information, or spark action of any kind using this venue.
On Sat, XX/XX/XXXX  at   XXXX   XXXX  ,   XXXX   XXXX    wrote:
Dear   XXXX   XXXX  ,

Once more I need to contact you re the abusive policies at Synchrony Bank.  Regarding my   XXXX   account Nr. ending  XXXX  and   XXXX   Account ending   XXXX  .  

I hav NOT made any purchases for several months in an effort to bring down my balance on these accounts.  Several times I see that you have charged me with late charges in spite of the fact that I have made regular payments more that the minimum required like clockwork!!!!!

What the heck is your justification for these fees?  It is because of YOUR fees that my account has go over limit!  Not due to my over indulgent spending.!!!  

You will personally see to it that all these fees are removed from these accounts by close of business on XX/XX/XXXX  and send me a personal confirmation that this has been completed.  If I don't hear back from you by then I will initiate a class action against Synchrony bank for abusive practices regarding interest rates and punitive fees to customers.  I know that there are a myriad of complaints regarding your bank and also several other class actions that you have had to pay regarding harassing phone calls to customers.  You need to implement fair and realistic policies regarding revolving accounts at the corporate level or face the consequences of a constant barrage of complaints and bad PR to your company.  I have had it with abusive bankers who are making obscene profits on the backs of working and retired people.  I will be draft a legislative bill to send to my Senators and Representative in both the Federal and State levels to deal with the abuses of the financial corporations.

The choice is yours.......do the right and moral thing here and restore my accounts by removing all extra fees other than interest and you will adjust the interest rate to 12%.  Then recalculate the actual amount owed.  Anything more than 1% per month is abusive.

-- 
Best Regards,

 XX/XX/XXXX   XX/XX/XXXX  This letter will be posted to FaceBook on a special page to garner support to fight back against abusive banks.
By opinion no need to complain I was advised its up to creditors to observe alert! Frankly if true in my opinion like your agency another hollow protection claimed to help protect the consumers! Rhetorically, I can not concieve how anyone can accept this and allow it for it goes to the heart of an organizations culture! Please try to make that so called fraud alert meaningful! PS I expect nothing!
In XXXX XXXX, we received two notices from XXXX XXXX XXXX indicating they are a debt collector trying to collect on two bad checks : one notice indicated a check was written on XXXX XXXX, XXXX, at XXXX, in the amount of $ XXXX, and it was returned with a " stop payment ; '' the other notice indicated a check was written on XXXX XXXX, XXXX, at XXXX in the amount of $ XXXX, and it was returned due to a " hold on funds ; '' there is an additional {$30.00} with this transaction for " returned check fee. '' After receiving these notices, my wife went to the credit union that we bank with. They had received no notification regarding these checks and also pointed out these check numbers are not in sequence with our current checks. We were very confused and concerned as to why we received these notices. On XXXX, my father told us that his checkbook was stolen when his house was burglarized in XXXX XXXX, a few days before the checks were written. He said the local Police Department had contacted him asking if a certain person was on his checking account. He told them " no, he had no idea who this person was '' and the officer said thank you. My father then went to his bank, as he was concerned that someone was using his stolen checks. The bank closed his account and refunded him for the one check that did clear. My wife and I at this point realized that my name was on my father 's accounts at his bank and the notices I had received from XXXX XXXX XXXX were in regards to the checks that had been stolen from my father and were being used fraudulently. My wife filed a police report on XXXX XXXX, XXXX, with the Police Department for these fraudulent checks and the crime committed against me. There is also a police report for the break-in at my father 's house. 

On XXXX XXXX, XXXX, I sent a letter to XXXX XXXX XXXX via fax and certified mail indicating these checks were stolen, fraudulent and forged. I included both police report numbers in my letter. I also included correspondence from the bank indicating that check # xxxx was not written by anyone authorized on my father 's account. I also explained that the account was closed which is why check # xxxx was returned. I told them to cease any collection processes and requested written correspondence that collection procedures had been stopped. XXXX XXXX XXXX sent me correspondence dated XXXX XXXX, XXXX, indicating " this debt was incurred by you or someone acting with your authority and was NOT due to forgery, fraud or identity theft. You are still responsible for paying this debt. '' They further indicated " As a result of this investigation, XXXX XXXX XXXX XXXX XXXX. considers this dispute resolved. We will assume you agree with this finding unless we learn otherwise from you. '' These checks were clearly fraud and forged and I feel I am being harassed by XXXX XXXX XXXX. We have good credit, have never been pursued by a collection agency for any reason and are very reluctant to continue communication with this company.