WillisBack/dataset-financial-user-claim huggingface dataset:
I never received this Withdrawal Letter and and loan application from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, # XXXX/XXXX  XXXX, CA, XXXX Who has an zip code with XXXX XXXX 's at the end. Never had the phone number ( XXXX ) XXXX. I never had liens of {$140000.00} and had no subordinate financing of {$9000.00}. I never spoke with XXXX XXXX on XX/XX/2008. This is fraud. I never had assets of {$200000.00} and then seven days later have another {$4000.00} in assets on the refinance. I didn't know who Countrywide XXXXome Loans was until I received my first billing statement in XX/XX/2008. This is why I never received copies of anything from Countrywide for the HELOC and the refinance because they falsified my loan documents after I sent them back by mail. Also, if your implying I told Countrywide Bank by telephone I had all these assets they would have had to have verified it and itemized it for the loan. I sent in documentation as to my income. I find it funny that the other two loan applications were from XXXX, Arizona from XXXX XXXX. The licensing for these loans was in Arizona. For the refinance, Countrywide Home Loans Inc. # XXXX  ,XXXX XXXX XXXX XXXX XXXX, XXXX, CA., XXXX was closed in Arizona on XX/XX/2008. So where did the money go if I didn't sign a loan application until XX/XX/2008. You can say you were just the loan servicer and you consider this closed but now I'm sending all information to the Attorney General 's office with all the proof including my promissory note. Do you think if I had all those assets I would have lost my home. I don't care how old this is. Your falsifying a document that should have been sent to me last year when I requested all documents from my file. Bank of America also falsified another document. So I have two documents one from Bank of America and one from XXXX XXXX. This is far from over.
I, consumer, attempted to settle this debt with this original creditor by sending a settlement agreement on XXXX/XXXX/15 ( certified letter no. XXXX XXXX XXXX XXXX XXXX ). Consumer is seriously considering filing bankruptcy if debts can not be settled and removed from consumer 's credit reports. Consumer has not received a written response as of the date of this complaint.
I bought a watch with a chase card that.stated it was waterproof to XXXX atmospheres ( XXXX feet ) for my son. He went in the water in a pool and clearly the watch got water in it. I took photographs of the watch and sent them to the manufacturer who happened to be in XXXX around the time there was turmoil about them succeeding from the XXXX XXXX. They said to send it back and I was already to do that though I was nervous that the watch would not get there so I called chase to ask them what to do ... I was advised to start a dispute process and that I did not have to pay to return the merchandise and that the merchant should send a return shipping label. So I communicated that back to the merchant.. They refused to send a shipping label and threatened if I sent the watch back they might find that the watch was not faulty ... I tried to upload my documents to the website several times each time with a response that chase had received my communication and would let me know with in 24 hours WHICH THEY NEVER DID ... I had to redispute the charge several times, Chase never gave me any chance to respond to the merchant. And though all calls are monitored miraculously they were unable to listen to the call where the advisor at chase advised me not to return the watch .... They sent me responses from the merchant in XXXX that they had translated but never the translation.. They would say they would investigate and get back to me and then leave a note that they would call me and not call me back, put the charge back on the account without any notification that I would only find out after I called them. MY ADVISE DO NOT USE CHASE TO BUY ANYTHING YOU THINK YOU MIGHT EVER NEED TO DISPUTE THEY ARE VERY DISHONEST. I desire a government investigation into Chase Dispute practices and procedures, an apology from Chase, that they listen to the call that clearly will prove that their representative told me not to return the watch and removal of the {$310.00} from my account.
I have paid XXXX ins. 1 month in advance since XXXX. STARTING in minnesota. I never heard of these clowns trying to collect/steal money NEVER owed. Outrageous stupidity, petty greed here. I told them to cancel my policy XXXX XXXX. My car was repossed XXXX XXXX XXXX. These clowns at this collection agency do n't know what there doing or what there trying to collect!!!! I do n't owe XXXX a XXXX dime. They owe me my 1 month in advance and/or any arbitrary fees for cancellation refund goes to me. Instead these XXXX insult my intelligence send this to a collection agency for {$88.00} ( {$10.00} ) of that is a fraudulent fee charged.
I contacted your about Equifa/ removing XXXX points from my credit report also I recently contacted Equifax also and they said that it could have been a number of things which caused the decrease. I today looked at my Equifax report and saw that they have removed all of my credit cards from my Equifax file. My XXXX, XXXX XXXX XXXX credit cards, and my XXXX card is no longer reporting on my Equifax file. I spoke with these creditors and they said they are still reporting and this mistake belongs to Equifax. This is true because my other credit files are reporting these accounts. This is wrong and they should n't be allowed to wrong the consumer at their discretion.
My credit was used without my permission. This was fraud committed by XXXX XXXX  XXXX XXXX XXXX XXXX. I did not purchase a car from this car dealership. The dat was XX/XX/2019. The reference number is XXXX. The loan company is XXXX XXXX.
Equifax has failed to keep my personal information private with their recent breach. 
My identity is at risk for fraud.
We made arrangements to pay the account current and I was told by the agent XXXX that we were not late in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX and because we had filed a grievance before with the CFPB they have retaliated against me and not only said we owed for XX/XX/XXXX but also show late for XX/XX/XXXX on my credit as well and wont remove it. They keep saying its not late and it doesnt show late in their computer but on my credit report it does.
Thursday XXXX/XXXX/2016 I received a call from a number listed as my local court house. XXXX. I was told that I was being sued and needed to be served my papers for court the following day at my place of home. She asked me for my current address, and I gave it to her thinking it was for a legal matter. I asked the lady who was suing me and she stated she was n't sure the documents were sealed. She stressed the documents did have a mediation stamp and that means I can contact the attorney and settle before XXXX XXXX that day and not be served. She gave me the number to the supposed attorney whom I contacted immediately at XXXX And a gentleman answered the phone and I told him who I was he pulled me right up and explained my debt of {$680.00} that I could make in payments of half then and half XX/XX/XXXX to settle outside of court. I explained I was just getting back from XXXX leave and would only be able to make payment of XXXX and the remaining on XX/XX/XXXX and XX/XX/XXXX. He then transferred me to the payment center and a lady took my payment, She explained she would go ahead and send me receipt to my email immediately after. I waited and never got a receipt finally wrote and called the number back Friday and Saturday and was told they would get it to me as soon as possible. I finally got the receipt and noticed they had my current address, which no one has except the lady that called from the " XXXX house '' so I got to thinking I wonder how they got my updated address. I decided to contact the court house this morning at XXXX and make sure everything was settled. I was informed by the representative from the justice of the peace that I never had a case against me and they would never even call me before they serve. So I have caught this company in a lie. They represented their selves with a legit phone number saying they were the court house in my county. So I am highly upset and will be filing complaints with everyone I can.
XXXX   foreclosed on my home in  2011. I was p art of a class action suit against them and received a very small amount of money as compensation. I have sent various letters to  XXXX  and to the  XXXX  major credit reporting companies.  XXXX  sent me back a letter stating they could not locate my account and asked that I provide them with validation information and copies of my credit report. I then sent a letter to  XXXX , Transunion, and  XXXX  -- disputing that  XXXX  could not validate my account.  XXXX  removed the foreclosure from my credit report. Transunion and   XXXX   have not.   Thank You
National credit systems are stating that I owe a XXXX debt for a property. They have sent me a ledger of amounts. These amount are false. I have been trying to explain that i do not owe that amount. I am disputing the information. I have provided a reason of why i do not owe that amount and they continusly harass and will not show proof of the damages of property. They have XXXX base rent XXXX of XXXX and XXXX for XXXX. Damages for XXXX plus XXXX late payment charges of XXXX dollars a termination fee of XXXX. These are false when i spoke to XXXX and XXXX XXXX i explained to them the amount. XXXX told me that i was not at the property XXXX/XXXX/14 when in fact i moved out XXXX/XXXX/14. I paid rent that month and i also sent a notice for moving due to an incident at the home. They are not being fair. National credit systems sent me an 50 % offer off the XXXX in the amount of XXXX. I do not owe any of the amounts.National credit systems have ruined my life and my way of living. They are not trying to settle a reasonable amount and will not send proof of damages they claim to the property. They claim they have my record for that property but are unable to send me any information regarding proof of damages. How can National credit systems expect to receive a payment if they cant send evidence?. I do not owe this amount and i continue to express that. When i paid rent for XX/XX/2014 i do not know what they did with my payment. I have showed the property to the manager at that time when i left and there were no damages at that time. I called today and the XXXX says my bill is current. I need all proof of evidence.
Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
I have an apartment from ( XXXX XXXX ) debt in collections from XX/XX/2013 that really was not even a accurate debt o had an apartment that the lease was fulfilled but because I did not write a 30 day notice up leaving was charged with a balance. The owner didnt not properly contact me I was not aware that account was going into collections. Have yet to receive anything in writing. Account is 7 years old and I have asked for it to be removed.
The caller was very rude to my boyfriend with a " you have to make a payment '' today '' or else attitude. They spoke to him about my account, then asked for HIS private information including SS # and work info to collect on a debt that I may owe. I am sure they are not allowed to give information on my accts to other persons having nothing to do with medical or collection aspects of my life. It is " need to know '' information. They say they are about respect and counseling. This was not my experience ... well my boyfriend 's experience anyway. They told him everything and asked for his info. Improper. Now I question their legitimacy and the protection of my personal information
This company, RRS, LLC called me multiple times using different numbers ( XXXX ) XXXX and ( XXXX ) XXXX with the same call back number ( XXXX ) XXXX. It was a recorded message stating that this was in regards to a legal matter. I should have researched the number before I called back. Big mistake on my part! I called the number XXXX/XXXX/XXXX and requested this company never call me again. I also told them I was reporting them to DoNotCall.org. I have already reported the first number. The comment was that this company works with them. First of several more lies to come. The man I spoke to is XXXX XXXX. He was very evasive and rude. I asked him to please tell me what this was about several times. He would mumble his words ; and when I would react and say " excuse me '', he would keep telling me to stop interrupting him. He then accused me of being rude and told me to stop talking to him like he was my husband, child, girlfriend, boyfriend or fiancee. He first said he was tasked to find me regarding fraud and that my parents were looking for me. The second lie. My only living parent knows right where to find me. He told me I am being charged with fraud in the State of XXXX. Third lie. I have not lived there in 13 years. The case number the message referred to covered about XXXX people, all of which he disclosed to me since I would not tell him my name. This was a trick to try and get my name. When he thought he had the right person, he said that was all he needed to know. Fourth lie. He said I am being charged with fraud for an account from XX/XX/XXXX from XXXX XXXX XXXX. I informed him I have no knowledge of such an account. I never acknowledged anything to him. Not my name, social security number or anything else. I told him I have never defrauded anyone. I also advised him that I am aware that any debt this old is no longer valid since it has exceeded the statute of limitations in any state ( 3 yrs in XXXX and 4 yrs in XXXX ). He said that there is no statute of limitations on fraud. The Statute of Limitations for Fraud in both XXXX and XXXX is 3 years. He rudely called me ignorant. I informed him I was not ignorant ; or I would not have known about statutes of limitations. He clearly does not know the meaning of this word. The last thing he said was " I will see you in court ''. I hung up at that point.
I initially sent a cease and desisit request to XXXX and at this point am unsure if they received it. Received a call today for XXXX and called back and a XXXX XXXX picked up. Wanted to know why I was callling I advised her to advise them to cease and desist. XXXX XXXX then transferred me to XXXX. XXXX verified last XXXX of my social security number and I then asked me why I was calling. I advised her that I wanted to them to cease and desist any calls to me. XXXX then stated that they could only cease and desist if they were calling my POE ( place of employment ). She inquired on whether I was filing bankruptcy, I told her " no '' as I previously informed them that I was filing XXXX XXXX. I am tired of dealing with this company. Clearly the afent is unaware of a cease and desist as she asked me what I meant. Their collection tactics are tacky.
Our company reached out to your organization in 2014 regarding a mortgage dispute with TD bank. TD bank changed their tune and decided to work with us to resolve our mortgage issue. They renewed the loan and stated we had 2 years to remove the loan from their company. We found a bank to renew our loan and are in the process of doing so, however, TD Bank told our new bank we had {$20000.00} in legal fees. TD bank never disclosed this information to us. It 's another underhanded attempt from TD Bank to keep our property and to make money at the expense of a small business. Our lawyer charged us {$500.00} to take care of this issue with TD Bank and spoke minimally to the TD Bank lawyers. If this was a justifiable amount, I would not reach out. Please let me know if there is some sort of avenue I can pursue to address this issue. My name is XXXX XXXX, XXXX
My husband and I took out a mortgage in XX/XX/XXXX which was a home equity line of credit. The first 10 years was interest only and the 2nd ten years was principal and interest. The mortgage and note we signed are not clear on that. Then XX/XX/XXXX the payment changed from XXXX something to over {$2600.00}. We got no payment change form 120 to 240 days prior to this and now we are behind on our mortgage. PNC who is the bank said they do n't have to send a notice that we knew about on our note and mortgage. We applied for a modification. We got a letter of approval. Made our first trial payment and the day after we made our first trial payment we got a letter of denial on the modification. They are now threatening foreclosure. We have been making interest only payments just to try and keep above water. According to their statements they are not being showed properly on the statements. We really need help here. PNC is the biggest bankster our there.
In 2011 I was given XXXX XXXX line of credit without my approval. 
Prior to that, my XXXX payments were automatically withdrawn from my personal checking account. XXXX XXXX XXXX sent me statements to my old address, and since I did not expect any payments, I never checked my online account status. Once I started getting calls from XXXX that my account was overdue, I paid it promptly. Unfortunately it shows as 30 day late payment on my credit report, which prevents me from getting mortgage. I am a physician and the {$100.00} payment would not break me, but unfortunately this incorrect information on my credit file is preventing me and my family from buying a new house. 
I called the bank XXXX XXXX XXXX XXXX who issued the XXXX credit. I was told that they can not make any changes to files beyond 12 months. The manager by the name of XXXX, refused to give me her last name or the phone number of their legal department or give name of their legal counsel.
I went to XXXX XXXX for a re-fi, they attempted to get my score from TransUnion but they told XXXX I was deceased. I called Transunion to remove that status. They told me to get a form from the XXXX office proving I 'm alive and verification XXXX. The XXXX office said if I send that form, it will release all my info. to them including my medical history, so I got a verification letter XXXX proving I 'm still receiving benefits and am very much alive. Then I got a call XXXX who told me my credit info was on a freeze. I did n't do that. I requested my annual credit report from Transunion and got it in the mail, so they must believe I 'm alive. I just need for me and XXXX to have access to my credit rating.
Reference ID : XXXX My Funds has been Held for 180 days. Please Adjust my account so Funds can be Withdrawn. Thank You
XXXX took money from my credit card for payment over two years and later sent me collection agency to get their money. Eventually the Merchant Credit took me to court to get the money in XXXX 2015 and they told my to take legal action on the money they took from my credit card. After XXXX 2015 they continued to take money from my credit card even though they told me my account balance is zero. XXXX XXXX Bank put a dispute and when we had a conference call with with XXXX help, they could not provide the answers about taking my money illegally. The collection agency report affected my credit score which I believe was not right.
I was making overpayments towards my XXXX XXXX loan through Navient. I had selected the " Quick Pay '' option not realizing that overpayments would not be applied to my principal. 

I got ahead in my payments and for a couple of years enjoyed " {$0.00} due '' on my statements. There was never any indication how ahead in my payments I was. 

However, my balance never went down. My balance remained at " {$3800.00} '' between XX/XX/XXXX until XX/XX/XXXX when I noticed that my balance hadn't moved. 

I called my servicer and they told me that overpayments only pushed my payment date back. Any money would be applied to unpaid interest, and the rest would push my due date back. 

I asked my servicer to reapply my payments to go towards my principal ( which i thought i was doing anyway XXXX and they refused. I paid {$970.00} towards interest only between XX/XX/XXXX and XX/XX/XXXX. There were many months where money wasn't applied at all. My balance never moved. 

If I didn't catch this, there's no telling how long this would have gone on. 

It's frustrating because I was AHEAD in my payments and my balance didn't move AT ALL. Had I made my payments as normal, my balance would be hundreds of dollars lower. 

NAVIENT STOLE {$970.00} FROM ME!
FHA Loan established in XX/XX/2011. 

Monthly minimum payment has been made on time for the last 5+ years. 

I believe the minimum payment should have also had a section that detailed the payment required for MIP Loan to Value ration to have been met. 

I recently requested a review of my loan to have MIP removed, and because the LTV ration was not the required % I am not eligible. I 'll continue to have to make payments so rather than the 5 year minimum, I will likely be paying the full term of this XXXX add on to my payment. 

I feel that the design of the loan without the information of how I needed to increase payments to meet the LTV ratio was deceptive, and wrong.
I believe Rushcard is scamming customers again. I tried to use my RUSHCARD on XX/XX/XXXX about XXXX. My purchase declined although my direct deposit had just been posted. I called Rushcard customer service right then in XXXX at the checkout counter. An agent told me my card had been locked on XX/XX/XXXX due to suspected fraudulent activity. No one contacted me to tell me about the account lock. The agent says they called, texted and emailed, but I never received ANY type of communication from them. They said they were unable to transfer the funds to my wife ; s Rushcard and the only thing they could do was send me a new card to be activated. This takes 7-10 business days and I ca n't wait that long for my money. They said they could send the card with 2 day shipping, but there would be a {$30.00} charge. I refused to accept this and asked for a supervisor. The supervisor told me they would waive the {$30.00} fee since I was upset. I called them back this morning to make sure my card was getting sent out. The agent got a supervisor on the line because the card had not been sent out yet. The supervisor told me they can not waive the {$30.00} fee so I had to pay {$30.00} to get my new card sent to me. I was told the card would be sent out today and arrive by Thursday. However, at this point, I have no trust in their word whatsoever.They have no right to charge me for this. If I had known on XX/XX/XXXX that the account was locked, I would have had time to get the new card before my direct deposit on XX/XX/XXXX. Why would they lock my account and not send a new card right away? I plan to cancel my account as soon as I can get my money out of it. Please investigate this business as I know they wrongfully locked customers accounts in 2015. I have not seen any type of fraudulent activity on the account whatsoever so I fell like this is a cover story for their mistakes. To put the icing on the cake, Rushcard was able to deduct their monthly fee while the account has been so called " locked '' and unable to withdraw from. Due to this issue, I am unable to buy groceries or pay bills for my family. I have XXXX children and a wife to provide for. There is over {$900.00} in my account and I ca n't access it until I receive a new card by mail.