WillisBack/dataset-financial-user-claim huggingface dataset:
Hayt, Hayt & Landau, LLC called my husband 's employer without permission, humiliating my husband in front of his boss and peers. He has only been at this job for 3 months and this is phone call damaged his reputation and character. My husband is a XXXX XXXX XXXX ( outside ) and would never take a phone call in the office. 

Hayt, Hayt & Landau, LLC https : //www.haytlaw.com/ XXXX
Portfolio Recovery Associates keeps insisting that they have properly verified debt. After 5 months I still have not received anything verifying my signature or social security number for this debt. 

Billing statements are not accurate validation of debt and this is all I have received. 

Additionally, the original creditor attempted to obtain a judgement and the case was dropped. 

This needs off my credit report until a validating signature and full social security number are provided to prove this debt.
To the best of my knowledge and memory I make the following statements. XXXX XXXX XXXX ... 2 separate incidents on 2 separate calls on XX/XX/2018 in regards to myself asking about what is a " consent to release form. XXXX XXXX ... think I have last name spelled correctly may or may not have misled me. He stated that the consent to judgment was " basically the same letter " that was emailed to me earlier ( settlement agreement ) and that it would be my way to agreeing with the settlement for lower amount ... also, called XXXX XXXX lawyer and spoke to a woman. I asked her to connect me with the attorney to please explain the papers sent. She said that the papers were sent earlier that day ... ... in the same conversation she stated to me about the rule 11 and consent to judgment " if you do t sign it we will take you to court '' these statements are concerning to me. Are they to you?
Capital One credit card stated I owed them money for a credit card. They sent to the IRS that I had agreed to a discharge of debt totaling XXXX. I in turn had to pay the IRS {$630.00} for additional taxes. I called Capital One several times asking for a validation of debt and when did I agree for a discharge of debt and to this date they have not responded. I do n't know if this was identiy theft but I did want a validation and they have refused.
XX/XX/2018, I mailed my payment to XXXX XXXX XXXX at the XXXX XXXX   in XXXX, NC. 
At this time, my payment is not registered, no one referred me to the manager for assistance and to start an internal search for the money order of {$470.00}, my very first payment. Also, I demanded to speak to the manager or supervisor and left a voice mail message regarding the missing payment. No one has returned my phone call. I am positive that the payment is there with XXXX XXXX XXXX but has been misplaced or misappropriated on someone else 's account. I did not have a invoice stub, I simply placed the entire account number on the money order. The money order number is XXXX for {$470.00} dated XX/XX/XXXX. Also, this XXXX XXXX is not getting the gas mileage as the econo light keeps going on and off. The VIN is XXXX. While I am driving the check engine light comes on. This does not happen when I go to the service deparment.
I originally borrowed {$54000.00} for my education with the last of the student loans taken out in XXXX. I now owe {$390000.00} because of interest, and fees, and a massive consolidation charge tacked on to my loans in XXXX. The law states that student loan interest and fees must be reasonable. My situation is by no means reasonable, fair, or justifiable. By continuing to maintain this balance XXXX is breaking the law, and is in fact engaged in indentured servitude as this payoff amount versus my income ensures that I have no chance of paying this off before death. This amount also ensures that I can not save for my XXXX children 's education, I can not get credit for a home, transportation or again my children 's future education. I need your help.
CMRE Financial Services of XXXX CA, specifically, XXXX and XXXX XXXX, submitted collection actions to the credit reporting agencies which dropped my credit score over XXXX points and prohibited me from getting jobs as I work XXXX and the collections on my account would make me ineligible for jobs in the industry. I contacted CMRE and they acknowledge that reporting invalid debts is illegal they only apologize and state they will remove them from the credit report. This does n't fix the fact that I 've been unable to apply for jobs due to the collections being on my report. The debts were clearly paid and no longer existed but CMRE did n't do due diligence to ensure the debts were valid and legitimate. They refuse to accept responsibility for their wrong doing.
PMAB recently put over 25 collections on my credit report. I have no idea who they are and I never received a notice from them. They just put it on my credit. 
I called them and demanded them to show me what they were for and the refused. They claim it is old medical bills from XXXX & XXXX but they said they do not have to give me the info. 
For one the NC statute on debt is 3 years, so if they are mine then they are past the statute of limitations. But I have insurance and always have so they can not be mine. 
Are n't they required to send me proof? how can a company just put so many items on my credit just because?? I have contacted my attorney as well. This is a clear Violation!!!
On or about XX/XX/2018, I received a final bill from XXXX XXXX XXXX in the amount of {$34.00}. On Monday, XX/XX/2018 I paid the balance in full via XXXX XXXX XXXX website ( Confirmation # XXXX ). On XX/XX/2018, I received a letter form Penn Credit Corporation ( XXXX XXXX XXXX, XXXX, PA XXXX ). I called Penn Credit on XX/XX/2018 to advise them that this had been paid within 2 days of receiving the final bill from XXXX XXXX XXXX as well as the total paid and confirmation number. The girl who answered the phone was extremely rude, raising her voice, and advised me that there was no report of the payment, that I needed to pay them directly. I advised her that I received the letter from Penn after I got the statement from XXXX XXXX XXXX and I already paid them. I advised her that I wanted a statement from Penn once they received my payment from XXXX XXXX XXXX stating that my account had been paid and was now closed. She advised me repeatedly that unless I pay them, they can't send me such letter. I told her again that I paid XXXX XXXX XXXX, I was not going to pay them, and that I wanted something stating this was closed once they got confirmation of my payment. She told me again that they don't do that nor did they need to do that. I told her that I have worked in XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 14 years, and yes, I can get a copy of that. She began raising her voice even more stating that they don't do that. I advised her that I was just going to file a report. 
The fact that this bill was paid BEFORE I got a notice from Penn, I shouldn't have to, nor will I, pay Penn on top of paying XXXX XXXX XXXX which was less than 30 days since my water was shut off- and paid 2 days after receiving notice from them. I want confirmation from Penn that this account was paid ( once they receive the payment ) and the account is closed. I do not want this on my credit report, as it again has been paid.
I have been working in getting a loan modification for over a year with Bay view. Going back and forth on getting documents to them with no responses from the Specialist they say are designated to my file. Recently, they asked for a documents ( a P & L ) which was provided to them within hours. I called to confirm receipt with the Asset Manager XXXX XXXX and unfortunately he was not available. Another Rude Representative within his department XXXX XXXX, took the call. When i asked whether they had received the document she said i had to speak with XXXX XXXX and rudely and adamantly advised that i was wasting my time and the sale date of XXXX/XXXX/17 would not be stopped. When i asked her why, she just went on to say that because we provided the documents were provide 7 days prior to a sale date.. She even verified in her system that the documents were requested on XXXX/XXXX/17 and they were provided the same day. How can they do such a thing and pull my home from under me in that way? Request documents and then say no we cant help you? I need your help! I have a sale date approaching XXXX/XXXX/17 next week Wednesday.
I originally had a loan set up for a new car I purchased through Wells Fargo Dealer Services. After a few months I decided to have my loan refinanced through a local credit union. The balance on the loan with Wells Fargo was paid in full by the credit union and yet Wells Fargo withdrew an additional {$270.00} from my checking account. I have called a number of times to their customer service number and been told " no one that works here can talk to me about my charge. '' I emailed my complaint to Wells Fargo Dealer Services and they responded that it would have to be handled over the phone. This has been ongoing for over a month.
A collection company is foreclosing on my home illegally. The loan for our home is paid off in full.
XX/XX/2018 Essentially, I applied for a loan through XXXX XXXX at XXXX of XXXX XXXX and was declined. I acknowledge and fully understand I authorized this hard inquiry. What I did not authorize and what is not okay with me is that in order to try to get me approved my information was used to apply for a loan elsewhere without my authorization. These banks include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX texas XXXX ), and XXXX XXXX  lndirect ( XXXX AL XXXX ). 

I have recently wrote to XXXX only, however, I have yet to even be acknowledged. 
I don't want these hard inquiries on my credit score, and be at risk or having anymore effect on my credit score.

Thank you
In XXXX 2016 while shopping in Macy 's the cashier offered me to open a n XXXX XXXX Macy 's credit card. I accepted and has been approved. The cashier gave me a temporary pass and said that the new card will come in a week. Unfortunally, the cashier did not verified my address which has been changed in the last two years. I never received a card nor a statement. Because of this I missed the payments. I was contacted by debt collector, then I called XXXX Macy 's customer service and explained what happened. They changed my address and sent a new statement with Fees listed. I called the company many times explaining that the late payments were not my fault, I paid in full the balance of the goods I purchased and I am still am harassed by the bills every month, and they did never send me a credit card. I would appreciate the help in this issue. 
Thank you.
Chase closed all of my credit card accounts after reviewing my credit report. They said I have too many new accounts opened and too many recent inquiries, even though almost all of my new accounts shown are authorized user accounts on which I am not the responsible card owner. I have never defaulted or missed a payment with Chase or any other bank and I never carry a high balance on any credit card. I also have {$15000.00} in a Chase savings account and an auto loan with Chase.
I was approved for income based repayments through Navient on XX/XX/XXXX with the date of first payment being XX/XX/XXXX. Today, XX/XX/XXXX, I went to make a payment and it said I owed over 300.00. I can not pay this amount. I can barely afford the XXXX IBR payments, as I am only making a few cents more this year than I did last year when my payments were XXXX.
I was looking through my account and noticed that a transaction that was suppose to be {$70.00} to my XXXX was a {$100.00}. I called the bank to file a complaint that was when I realized that they had taken out XXXX {$100.00} transactions that I did not authorize. I filed a complaint immediately and the Customer Service Representative stated that they would be removed. Well I just found out today that they reversed XXXX on the {$100.00} transaction even though they all XXXX transactions were from the same company and I did not authorize any of the transaction in the letter they sent they stated to found the transaction to be correct when it was not. I asked them to tell the name of the company and they do not know. How am I suppose to get my money back if they do not even know to whom and where the money went. I strongly implore that Chase put back my {$100.00} and any transactions fees because the transactions all came from the same company and I notified them as soon as I found out the transaction was not the the XXXX. Or the bank give the information on where and to whom this {$100.00} went to. They owe me that at least so I can try to get my money back and if Chase does not know who they are then it not a correct transaction and Chase needs to give me back my {$100.00} I never received notification by email of by mail that they were going to charge back the money to my account.
I sent a list of inquiries that may have been made fraudulently without my consent or bearing my signature. I also sent a copy of a police report made showing that my identity was stolen and that these inquiries may have been a result of my information being stolen.
I have roughly 400k points ( worth $ 5000+ ) with American Express but I'm unable to transfer any points to airline miles. Transferring points to airline miles is one of the stated benefits of the American Express Platinum Card that I have. I am paying {$550.00} a year for this card and many others and I'm unable to use my benefits.
We have been with Wells Fargo for decades.
The business accounts and personal accounts of myself and my 2 other business partners have all been closed by Wells Fargo. Worse, all of the accounts of our minor children and adult children have also been closed.
In all something like 20 to 25 accounts have been affected.
They refuse ( so far ) to explain why.
I am certain a mistake has been made somewhere. I run a good business and have done so for 27 years. I am 100 % certain that if we are told what the problem is, we can resolve it to anyone 's satisfaction.
However we are not being given a chance to explain. We have been told that we have 35 days ( from the date of the notice, now about 8 or 9 days old ) to find a new bank.
Somewhere, someone has made a terrible mistake.
Capital One advertises Cash rewards -- however and whenever you want themWith Capital One ( XXXX ) cash rewards, there 's no limit to how much you can earn and no minimum requirement on how much cash back you can redeem. Also, your cash rewards do n't expire and can come as a check, account credit, or gift card. However after reading Your No Hassle Rewards Program Terms & Conditions, consumers are subject to : We reserve the right to alter, change, or terminate this rewards program at any time without notice. Redemption values vary and are subject to change without notice.This is misleading and contrary to their term " NO HASSEL REWARDS '' and it should be disclosed or not allowed on their applications page!!!!!!!
I am doing the best that I can to pay off this rather small balance to a collection company. Their notes are usually very business liek until the one I received yesterday. Below is a brief section from the note that True Accord in XXXX XXXX sent to me on XXXX/XXXX/16 : " Enough delay. It 's time to pay what you owe. 

Let 's be clear : you have an obligation of {$350.00}. We 've given you many chances to work with us. 

But instead, you 've waited a long time to deal with this. Now, it 's time to fulfill your responsibilities like the adult that you are. '' This note is offensive. I admit the debt but I did not sign up for insults about my maturity or adulthood. This debt has nothing to do with either one. 

Thank you. 
XXXX XXXX XXXX
I am resubmitting a previous case ( XXXX  ) which was closed without resolution. Despite the response from Equifax claiming that the issue has been resolved, it has not. I just had another 21 minute call with Equifax with no success. It seems to me that you should check with the consumer who submitted the complaint before closing it.

The original complaint : My Identity was stolen in the Equifax data breach. I have been trying to set up XXXX  since XX/XX/2017. Despite following every every instruction I was given and spending lots of time on calls with customer service, I have been unsuccessful. On a call in XX/XX/XXXX I was asked to submit documents supporting a name change from about 8 month prior. I submitted the documents onXX/XX/XXXXbut received no response. On XX/XX/XXXX I submitted the documents again with a comment about having received no response from the prior submission. This time I received a response with a case number ( Case # XXXX ) and a message asking me to be patient. Well, after being patient far to long, I called again only to be told that the deadline had passed for setting up XXXX. I am angry and frustrated. It was not my fault that my ID had been stolen in the data breach. It was not my fault that the XXXX  account did not get set up properly. It is not my fault that the deadline has passed. I do not get to choose to do business with Equifax and I can't close my account. I basically have no recourse for the lousy service that I have received. Don't get me wrong, the customer service people are courteous, they just are unable to resolve anything. If this was any other service I would close my account but I just can't do that with Equifax.

The Equifax response : Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. Please be advised that the name on the Equifax credit file has been updated. We are excited to announce that we have launched our Lock & Alert service. Lock & Alert was created with a simple premise : that you should be able to conveniently control access to your Equifax credit report, for life, and for free. We believe that credit responsibility is important, and Lock & Alert helps put you on track. Please visit our website ( www.equifax.com ) or contact our call center at ( XXXX ) XXXX from XXXX  to XXXX  ( ET ) 7 days a week to learn more and enroll. Please note that for future disputes of credit report information, you may call XXXX or visit www.equifax.com.

The current situation : I still can not access the Lock & Alert service on Equifax. Despite having submitted the legal name change documentation they requested, twice by email and once by postal mail, they still say my name does not match the name on my credit file. Every time I call they promise to escalate and get back to me in 7-10 days. Other than the response I got from my complaint filed with the CFPB, Equifax has never once responded to me no matter how long I wait. It seems that I am unable to resolve this on my own.
Wells Fargo XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Our client was denied for a loan modification in XXXX of this year. They were not offered a short sale option or any other loss mitigation options at this time. This is a direct violation of XXXX, attached, which " requires a mortgagee, trustee, beneficiary, or authorized agent to contact the borrower prior to filing a notice of default to explore options for the borrower to avoid foreclosure ''. 

It is also a violation of the CFPB 's XXXX XXXX XXXX, attached - see highlighted sections of pages XXXX and XXXX. 

Our client has not, at any time, been offered a short sale, or made aware of any other loss mitigation options they may have by Wells Fargo.
I have been trying to resolve this issue with Equifax for over four months with written requests and certified mail requesting " 3 '' times for this single incorrect unverified information to be removed from my credit report. This is not my debt and this has negatively affected my life.
Wells Fargo failed to resolve ny prior complaint XXXX, failed to update my contact info, failed to provide statements as rewuested, continue to make harrassing calls to my ex husband, fail to post multiple same-month payments correctly.
XXXX XXXX Firm is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XX/XX/XXXX and I did not open in XX/XX/XXXX, I. opened this account in XX/XX/XXXX. Also, they are reporting Lates Starting XX/XX/XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.
Unauthorized Credit Inquiry ( s ) To Whom It May Concern : I have been contacting Equifax to inform them that these hard inquiries listed below were not authorized by me and I wish to have them deleted. Some person or persons within ( Equifax XXXX Consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 

Since I never gave permission for anyone to inquire about my Credit Status, Equifax are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 



As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties. 

Here are all the unauthorized credit inquires on my report that should be removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX
I had a debt with XXXX XXXX, there financial partner was XXXX XXXX XX/XX/XXXX. It went into delinquent status. I called the collection agency who had my account, XXXX. XX/XX/XXXX we settle the account in question for {$1500.00}. I have a settlement letter from the company XXXX. Stating the payment was received and paid in full. 
Unknown to me my account was sold to Springleaf Finance and then sold to XXXX XXXX. Now for the past 4 years this has ruined my credit. Not until I was trying to purchase a home and looking at a high interest rates did this come up.
I was doing an annual credit report update and the credit bureau Experian refused to delete information on the report in the form of old addresses that were ov er 7 and 10 years old.  They said they could keep the information on my report indefinitely and I could never have it removed. I requested  XXXX  to delete the old addresses and they did. I am waiting for the written summary update from them. Experian also authorized a credit report from my  XXXX  bank 3 times on the same date and I have never applied for credit or loans. This happened in   XXXX   around the time I opened the account. The last bureau would not release the report online due to answers to the ID verification of which I answered correctly. I strongly feel that Experian abused the laws on reporting and releasing information. I also have reason to believe that due to the ID verification questions on the  third bureau rep ort resulting in the bureaus denial of my annual report online that there has been illegal activity in the for of credit cards and loans being applied for using my name and SSN. I need further information on how to investigate these matters.