WillisBack/dataset-financial-user-claim huggingface dataset:
I keep getting phone calls from Hunter Warfield Company. Latest call was at XXXX XXXX  today. The number that called me was from XXXX. I called them back and they stated they are debt collection agency and trying to contact a XXXX XXXX. I am not XXXX XXXX and do not have any bad debts, from last 40 years. I did have bad debt almost 50 years ago, but nothing since then. I have asked them to stop calling me as I am XXXX years old and in poor health. They keep saying that will mark my number- XXXX as bad number for this person, but the calls keep coming.
On, or about XX/XX/2018 I responded for a solicitation from Prosper.com for a  preapproval for a {$35000.00} loan. I was approved " pending verification '' of credit, income, etc, for a {$35000.00} 60 month loan at roughly 13 %, with around a 16 % apr. 

I submitted all of my income for verification, and was told that {$50000.00} of my {$200000.00} in income couldn't be verified or used for the loan as it is rental income. They did " verify '' {$150000.00} of income, but told me I no longer qualified for the {$35000.00}, that they could only extend {$25000.00} based on the income they could verify. I agreed to move forward with a new application, verifying they wouldn't pull my credit again ( they used the same credit hit and score for both applications ). They reiterated that this the new loan application for the lower amount would still be a consolidation loan, paying off {$25000.00} of my existing debt, which is the case. 

They came back with an offer which included a rate literally 2x higher then my original offer, sighting higher " debt to income ratio. '' I asked them to lower the loan amount to get the " dti '' in line with the original offer, so I could get the original rate offered ( I did the calculation, and the " dti '' ratio on the new offer of {$25000.00} with the lower income of {$150000.00}, is actually LOWER then it was with the {$35000.00} loan offer with {$200000.00} in income!! ). They said they would not do this. 

This is a clear " bait and switch '' and a violation of banking Regulation B and other Fair Lending Laws. As I understand it, they can not charge a different rate to clients with the same credit profile ( credit score, dti ratio ). They are claiming my rate went up because the " dti '' changed from one application to the next. I know it did not. The lower loan, with the lower income, came to a lower ratio, and should have lowered my rate, if anything. 

This is a predatory lending practice, and should be investigated. I'm sure I'm not the only consumer who they are taking advantage of in this way.
BB & T has taken over {$15000.00} in overdraft and NSF fees due to them taking credits out of my account then processing debits then putting my credits back into the account minus the fees they charge. This is being done daily to my business account. I have screenshots of this activity and will be happy to share them with the appropriate people. I tried to talk to the local personal banker at my bank but he said " I should do a better job managing my account ''. I want the funds back that they have stolen from my company and for them to stop this illegal activity. I will seek legal action if this does not resolve the issue.
I filed a chapter XXXX bankruptcy and Transunion in the public records section of my credit report has an amount listed.No amount can show in a discharged account by federal law no amount is showing on my XXXX account under the same category.I tried to dispute on Transunions site but for some reason it kept timing out.This is for XXXX XXXX.
I had to start making payments to my loan in XX/XX/XXXX. In XX/XX/XXXX, I requested a change in due date to the XXXX of each month. I paid for XXXX  on XXXX XXXX and the company ( nelnet ) right after my payment, changed the due date to the XXXX, starting in XX/XX/XXXX. Suddenly, I started getting notifications that I was late with my payment and that I owed 2 months ( around {$1000.00} ) and that they were due on XX/XX/XXXX. Suddenly for two months, they were requesting 3 months of payment. I called thinking it was a problem with the system. After talking to 4 people and spending hours of the phone, someone said that they couldn't do anything about it, that they apologized that I got the wrong information but that I had to pay. According to one representative when I requested a change in the due date, they had to move the start date to XX/XX/XXXX and as a result of that my XX/XX/XXXX payment covered XX/XX/XXXX ( not XX/XX/XXXX ) and now I owed XX/XX/XXXX and XX/XX/XXXX. No one ever explained this to me when I requested a change in due date and no one seemed to be accountable ... now I have to pay around {$1000.00} in XX/XX/XXXX because no one ever explained to me the implications of changing a due date.
New York Community Bank has our house mortgage. We sustained damage from hurricane XXXX and had to move out of the house. The insurance company required us to send the repair checks from them to the bank. This was to insure that the money was spent to fix the house. We finally signed a contract two weeks ago to start repairs, but the bank has been dragging their feet. We have sent everything they asked for- the contractor 's license, tax form, a copy of the estimate and contract. But, every time I ask them where the money is to get started they say they still need information that I 've already sent. I 've read where they do this to make interest on the repair money. We are in a rental house and may have to leave before the house is repaired. We 're at their mercy. We talk to them each day, but nothing gets done.
I opened a note loan account with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I made a loan payment to pay the account ahead through XX/XX/XXXX. At the time when the payment was made, the loan status was current and was not behind. In fact, this account has not been behind since inception back in XX/XX/XXXX. In XX/XX/XXXX, I made another payment which paid the account ahead through XX/XX/XXXX. Since I started paying this account ahead in XX/XX/XXXX, XXXX XXXX has repeatedly reported to Equifax that my account is 30-59 days behind. I have disputed this information directly with XXXX XXXX on more than one occasion. I have also discussed this situation with the area manager of the local XXXX XXXX office and she has verified and agreed that my account has not been late and stated this would be corrected. 
Additionally, I have disputed the same information with Equifax. Both XXXX XXXX and Equifax are playing the blame game and neither company has taken accountability to rectify this situation. I am seeking to have my Equifax credit file corrected as this situation is preventing me from being approved for a mortgage. 
Fortunately, my credit file with XXXX and XXXX is being reported correctly as current.
I work for free - XXXX. CTi contacted this XXXX XXXX that I XXXX for with an Employment Verification FAX. Using a fake name. XXXX XXXX. The XXXX sent me the form and I have all the info on them. They could have tarnished my name, my daughter 's well being ( XXXX. ) Please tell me this is wrong?! 


Collection Technology Inc C T I XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Contract Dispute Law Firm Solutions To Your Dispute Needs. Call To Learn About Your Options. 

XXXX Collection Technology Inc A privately held company in XXXX XXXX, CA. Is this your business? Claim This Profile More Details for Collection Technology Inc Categorized under Adjustment and Collection Services. Our records show it was established in 1960 and incorporated in California. Current estimates show this company has an annual revenue of XXXX and employs a staff of approximately XXXX. 

Company Contacts XXXX XXXX XXXX Chief Executive Officer
I received these loans to complete school from XX/XX/XXXX-XX/XX/XXXX, during that time I was impacted by hurricane Katrina having lost everything. Not once was I given any information on how to apply for relief from this event, i carried all these loans. I only recieved one or two more to finish school after this. I was given advice for my private student loan, which has been paid off. I was convinced to consolidate my loans in XX/XX/XXXX starting my time on income based repayment over. I have only used my degree once toward the profession I actually decided on for about a year, when I decided that it was not a good fit for me. All this time I had been told there would be jobs available, that the career choice was a good match, etc. When I tried to work in this field I found that was not the case. Since I graduated I have been in the lower income bracket. I have struggled to make a life and feel that these loans should be just about discharged based on the income based repayment program
I opened a Macy 's Department Store credit card account in XXXX XXXX. I made some purchases that month and paid my balance in full. I was receiving my statements via email. I made some more charges in XXXX XXXX. However, i never received a statement and forgot about the charges. I then get a phone call on XXXX XXXX, XXXX from Macy 's informing of a past due balance and 5 months late fees. I advised them i never received the statement. They told me that if i would pay the balance off, they would waive only XXXX or XXXX of the late fees. I advised them i was not going to pay any late fees and wanted to appeal the late fees. I paid them the balance and a little extra. After the payment was posted, there were still several months of late fees. I called again and the account supervisor informed me that there had been a computer " conversion '' and some customers had complained about issues with their statements after the conversion. He offered to waive all late fees and advised i would have a zero balance. Before this incident, my credit score averaged XXXX. In XXXX my credit score dropped to XXXX. I have no other credit issues and consistently pay all credit card balances/bills in full and on time. I spoke with XXXX ID # XXXX.
cra inaccurate information sent ftc and all police report to all 3 major company
50 States business permits scams and IDs scams frauding my documents Frauding scams using XXXX XXXX XXXX of XXXX XXXX Indiana of my documents of birth of XX/XX/XXXX Frauding scams using my documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX Fraud scams frauding my brother documents of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of XXXX XXXX of XXXX  XXXX Indiana XXXX county Indiana of XX/XX/XXXX
On XX/XX/2018 @ XXXX, I made an ATM cash deposit into my TD Bank Checkings account in the amount of {$630.00}. At the end of my transaction a receipt was issused and it read " available '' balance {$630.00}. ( Please note the bank verifies each dollar deposited in the ATM and records it on my receipt ) Immediately I log into my bank mobile app to see the funds " available. '' From the same TD bank mobile app I transfer {$200.00} of the {$630.00} to my TD Credit Card to make a payment. At the end of that transaction, a confirmation number is given along with my new balance in my checking account, {$430.00}. 

Well the bank ends up hitting me with an overdraft fee of {$35.00} claiming the {$200.00} were not available at the time the bank decided to do the transaction. So I called TD bank and according to the bank rep he stated that the Cash deposits at ATMs after XXXX are actually " pending '' and not available. And, that if I went online I would be able to see that. Well that is not what is on my receipt from the ATM and also my checking account moved funds around as if the funds were available immediately after the ATM cash deposit. So why the fees?! Please know this has happen more than twice already and I was able to prove the bank reps wrong and they refunded the overdraft fee. And for the record, Ive have always opted out of allowing any bank to let me charge something without the funds being available. I watch my account thoroughly and try my hardest not to pay these bank fees. I think its unfair the play of words the banks are knowingly using and because of it are actually stealing from their own customers. 

What is " available '' is available and not " pending. '' No where in my TD banking app or during the payment to another account did it showed me any signs of the funds being unavailable but instead transferred " successfully. '' This needs to be addressed. If there is a law protecting this, it needs to be changed. Taking from people when there was no real reason by the customer to be hit with a fee is a criminal act and no law should protect it. How many hard-working Americans who don't read the fine print or don't have the time to look deep into these unjust fees are being robbed daily? And how much of this unjust money is being put into these bankers pockets needs to stop. Another unfair act is that my " courtesy '' was used up on behalf of TD Bank 's mistakes. If I ever make a mathematical error or irresponsibly swipe my card, than by all means I would like to use my one and only " courtesy '' on my own mistake and not the banks. I will sound the alarm!! I will be heard. Please someone from my bank, someone other than a local branch manger, get back to me in a timely fashion. 

Thank You, XXXX. XXXX
still reporting acct delinquent when it was brought current and is current XX/XX/XXXX is date acct was brought current and today they reported it delinquent again. As well as they show up as XXXX on XXXX  and XXXX XXXX on XXXX
In XX/XX/2019 I filed a dispute for sunrise credit services with XXXX and they are saying i owe XXXX for whatever services that I dont even have or am aware of in XX/XX/XXXX of last year I lost my wallet and had to replace everything I dont appreciate this being stated that it which belongs to me and it doesnt .I dont even own a contract phone because I was always afraid it would mess up my credit that which Im trying to build
I am a former employee with a XXXX loan. When Ileft there was confusion with auto payments for my XXXX loan when I set up the new auto debit to keep payments happening from my personal account since they could not auto debit my paycheck any longer, by the time the payments started I was 2-3 payments behind and was receiving deliquency notices, On XXXX I went to the Citibank XXXX NY branch and obtained a bank check for the deliquency amount p'us the XXXX payment and mailed it to Citigroup Benefits Center following all the directions they provided to me on the notiice as it stated that if I did not pay by XXXX/XXXX/15 the funds would be devited from my XXXX and there would be tax implications, In XXXX I received another deliquency notice-when I called to inquire they stated that the payment of {$2200.00} had not been received, I called them almost daily from XXXX to XXXX and they said they could not locate the payment and was advised to put a stop on the check and have it reissued, I went to the XXXX branch on XXXXXXXXand went through the process to stop the check- signed the affidavit and Indemnity form- but since it was less than 90 days I was told the Citigroup Benefits Center also had to sign it- it was send to them on XXXX electroically by the branch. I called on XXXX and the Benefits Center confirmed they received the form but indicated they would not sign it as they do not sign " third party forms '' -- this is a stop payment form from the bank they are an agent for! I on those funds. I am simply asking they sign the affidavit to stop the check so I can have it reissued back TO THEM and resend the payment for theme to process -- Yesterday XXXX after talking to the 5th supervisor and them opening numerous investigations they told me " they can not sign the form that they have not received the check, but they clearly stated on the same call that they have not received the check. All calls are recorded by them as requried and can be heard that they refuse to assist in resolving this matter so my {$2200.00} can be applied back to my XXXX loan, I am not a deliquent payor, I have over {$400000.00} in my XXXX and I am attemoting to resolve a matter they created last XXXX when they did not set up my auto debits for 2-3 months for the payments to continue. I have no recorse at this point ... they just expect me to be out the {$2200.00} and absolve themselves from any responsibity to address the issue, it was mailed to them- they can not locate it and they refuse to sign a simple form that would allow it to be resisued and applied to my account, This {$2200.00} does not earn interest or benefits of the market increase until applied and as a result I am 1- losing money, 2- behind on payments and 3- at risk of taxable income as thr 90 days would be after I can place a stop on it without their signing the form. I need help and have no idea how to solve this, they just refuse to speak with me anymore
My credit monitoring service reported a negative change with Experian. Since my credit score is normally around XXXX i take my credit very seriously. Right away i filed a dispute with Experian online XXXX advising the account is not mine as i dont know the creditor nor do i have knowledge of any business with that entity nor ever received any bills. On XXXX Experian emailed me to advise the item remains on my credit report. Surprised, i called the company reporting the item. They quickly verified the item does not belong to me based on my SSN and DOB. I provided the contact name and extension as well as the info from the creditor they used to verify the account is not mine to Experian via phone on XXXX/XXXX/2016 to XXXX in their XXXX. She re-opened the dispute. I just got back the results today advising the item remains. How is that possible when i already verified with the creditor they show reporting the item, as well as provided details of whom there verified it is NOT my account. Experian is not doing their job properly and i need this item removed from my credit report. Experian has my SSN and DOB. Why cant they compare that against what its being reported and determine it is indeed not my account?
We paid our Mortgage in full in XXXX of XXXX. 
I sued this crminal entity in XXXX for fraud. In discovery Ocwen admitted All payment made in 13 years were never paid to a XXXX. Unfortuately NH allows such fraud to continue because homeowners can not challenge the fact that the loans are never placed in the trust allowing servicer to pocket the money owed to the trust. I filed suit because Ocwen filed XXXX different lien releases with the registry. Ocwen release, sand canyon, and XXXX XXXX? Interestly enough the lien is released by from a trust that was never paid a dime. 

After the case was dismissed by the court in an effort to further damage my credit Ocwen in XXXX of XXXX falsely began reporting to XXXX, XXXX and XXXX that I had aquired a new mortgage serviced by Ocwen in the amount of {$60000.00}. It is listed as a home mortgage joint account interestingly enough the account only appears on my credit report. I found this out after i had aquired a new car the net effect of the current fraud is a high interest rate, higher downpayment and higher life of loan cost and lower credit score. I was recently denied a loan because i owe to much on a mortgage that does not exist. 
I will be filing a new lawsuit at least now i can challenge this criminal entititys frauds. 

XXXX XXXX
I have submitted EVERYTHING requested of me in the processing of this loan. Thus, meeting FHA guidelines. The underwriter has unjustly disregarded my current base salary XXXX income and has stalled the processing for my FHA loan application. I have improved my financial situation by obtaining a new job which pays substantially more than my previous self-employed business and my business experience in Entrepreneurship/upper management carries over. Underwriting wants me to wait 6 months which isn't an FHA guideline from all the research I done. 

I feel like I am not being given the same opportunity to qualify for a mortgage as other borrowers are. I have never had a gap in my employment and my current XXXX income should be used. I provided an offer letter and the VOE has been completed by my employer. I have been paid and I have provided my paycheck stub as required. In fact, I have met all conditions and the underwriter is bias and applying his/her personal agenda vs. applying the guidelines that are set forth.
Hack compromised my personal data via Equifax, verified by their page setup to see if consumers had been impacted.
After submitting my information, I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Transunion is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. 

Please remove information from my credit file. ( XXXX, XXXX, Transunion ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]
Have communicated with this company about this debt. They are in violation of XXXX laws reporting this debt on my credit report without providing adequate fully complete information to substantiate the debt i do not owe nor benefit from.
On XX/XX/2017 XXXX XXXX with whom me and my husband had a joint loan for XXXX XXXX XXXX paid the pain in the mail, the check wasnt received. We found out next month the payment hadnt been received, made a double payment. XXXX removed the late charge and said they would remove the 30 day late on our credit report but since have not done so. My husband and I have called them and sent many letters. We feel XXXX is acting unreasonable in the situation since we had great payments before and after that event. Always paying online now. We also opened a new loan with them in XXXX. The mark of 30 days late on our credit is very damaging and need some help. 

Thank you
When my loan was switched over to Navient i was never told that i had a deliquint balance because with XXXX i did not. When going to purchase a vehicle i discovered my credit score had been dropped from the XXXX into the XXXX. I have been faithful at paying my student loan. I was told that Navient was the company i had delinquency with. I contacted Navient to resolve this issue you and kept being told to just contact the credit bureaus and expalin the situation and maybe they could help me. I was so angry that i just hurried and paid the balance off and then after tried to dispute the delinquency with the credit bureaus. I have had so much trouble bringing my credit score back up.
XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from Credit Collection Services, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to XXXX, also known as XXXX ( according to XXXX ). In XXXX of XXXX I called XXXX at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX XXXX. In XXXX on XX/XX/XXXX I received another collections notice from XXXX and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from Credit Collection Services for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure CCS refunds my husband 's XXXX XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP. 


XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX