WillisBack/dataset-financial-user-claim huggingface dataset:
This company called me claiming they informed me of a potential lawsuit regarding a credit card I had more than 5 years ago. They had never before contacted me by any means of communication. They then claimed to be an attorney and stated they were trying to make a decision whether to work with me on this debt or file a lawsuit. They would n't give me any case number or reference number of any kind. They refused to give the name of the company. They refused to give me an address of their company. This company refused to give me any proof of an outstanding balance and threatened to sue me for {$9000.00} on a {$800.00} balance, freeze all my bank accounts and withhold my income taxes. I called them numerous times trying to get more information and rectify the situation and they would just say to me " we are moving forward with the lawsuit '' and hang up on me. This happened at least 10 times. I then talked some who claimed to be an attorney by the name of XXXX XXXX. I stated to his the debt was paid in 2012 and I have proof of such. He then stated " well you better sue who ever you paid to get your money back because we are going to sue you '' then hung up on me again. This was the last correspondence I had thus far with this company/attorney 's office/debt collection company. Not really sure what they are.
I have been contacted by Rausch, Sterm, Israel, Enerson & Hornik LLC ; a law office out of XXXX, Minnesota in regards to a debt that I apparently owe to XXXX XXXX XXXX, Assignee of XXXX XXXX XXXX, XXXX. I have received a letter stating that I owed the amount of {$590.00}, and if I have any questions to contact them regarding a resolution dated XXXX XXXX, 2017. On XXXX XXXX, 2017 I was contacted at my home by an unnamed individual whom served me papers from the State of North Dakota -- XXXX XXXX Judicial District stating that I have been summoned and required to appear and defend this action, within twenty-one ( 21 ) days. This notice was dated XXXX XXXX, 2017.  Therefore, it is apparent that the judgement with the court was submitted before the notice to contact them was even drafted and sent out. As well as, there was no previous contact noted from XXXX XXXX or XXXX XXXX XXXX regarding the supposed debt. Therefore, I have had no notice that I had the debt against me. If I would have had proper notice I would have gladly setup a payment plan, or even paid the balance in full. However, now I am looking to seek legal consultation regarding this matter. There has not been proper notification regarding this debt and now they are using legal tactics that are threatening or otherwise demanding. I have tried to contact the law office and the original company multiple times, and I have reached no one due to the lack of information on websites and the sites that you must go through in order to even reach a site that states how to contact.
I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards P & I. Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency.
Prestige Financial Services entered inquiries on to my XXXX and XXXX XXXX credit reports without my authorization and when contacted had no record of me and this was linked to id theft .and not authorized by me.
On XX/XX/XXXX, XXXX XXXX from XXXX contacted me regarding my complaint I filed with the CBPB. My house was wrongfully foreclosed and I am asking XXXX to rescind the sale. She said she would fully review my loan file. Everyone who has reviewed my loan file has found no wrongdoing, when I know violations have taken place, but they do not care. After I mentioned the denials of my loan modifications her answered was that I had been in default for too long. A closer look at my file would have show the history of me trying to prevent further default. I offered XXXX dollars to partially cure a debt of XXXX dollars back in XX/XX/XXXX. The servicer refused to accept my money instead I was led to believe that I was going to receive a loan modification because I had a pick a payment loan. This did not happen instead I was put into a non-ending loan modification process and then the WFHM blamed the US TREASURE for the loan modification denials as NEGATIVE NET PRESENT VALUE. I COULD NOT APPEAL THE DATA INPUT ON THE XXXX. XXXX  made it sound like it was the fault of the government for not being approved. the investor was WELLS FARGO and under their in house loan modification it did not mentioned anything regarding negative net present value. the XXXX Had to be 31 % or higher and for years until a few weeks ago that I did some tables for some of the loan modification denials I realized that I had 31 % and higher and that I could have been approved, the problem was that my house from my family had equity and it was the equity that made it more beneficial for the investor XXXX XXXX XXXX, XXXX to foreclose than to assist me obtain a loan modification a long time ago. 

In XX/XX/XXXX, the trustee used the XXXX from XX/XX/XXXX which has robo signer and a false declaration of compliance under penalty of perjury and lying to the consumer that they were obeying the law. I was told by XXXX that there was no need to record a new XXXX and they used the old one from XX/XX/XXXXto foreclose my home. WHAT HAPPENED TO THE CALIFORNIA HOMEOWNER 'S BILLS OF RIGHTS. WFHM HAS VIOLATED AND HAS USED THE LAW TO PRETEND THEY ARE OBEYING THE LAWS THAT WERE SET TO PROTECT US. IN THE PAST THE CFPB ONLY has collected data from homeowners, but to this day has not accomplished the prevention of fraud and removing us from our homes when we can afford our payments and we are willing to remain in our homes. I HAD A LOAN FOR XXXX AND A VALUE OF XXXX WHEN I TOOK OVER THE LOAN FROM MY FAMILY. THIS WAS A REFINANCE NO CASH OUT PICK A PAYMENT LOAN. I LOST EQUITY AND MY HEALTH TRYING TO PREVENT THIS WFHM CRIMINAL INTERPRISE FROM TAKING MY HOME FROM ME AND MY CHILDREN. THANK YOU, XXXX XXXX
My loan was refinanced under HAMP XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I received a letter From Nationstar Mortgage that I qualify for the {$5000.00} principal reduction because I was in my 6th year with no late payments. I just need to fill out the form ( XXXX ) and return it to them. I sent the letter XX/XX/XXXX. By XX/XX/XXXX I did not hear back from Nationstar. A couple more months went by and XX/XX/XXXX I reached to Nationstar and was told it was denied because it was after the deadline of XXXX XXXX. Even though they told they received the letter almost 3 months earlier. Then I spoke to a CSR on the phone they told me I was denied because the form was filled out incorrectly. My wife & and I signed the form, but only put the last XXXX digits of our SS #. Even though we were never contacted or received any correspondence regarding missing information as they stated. the form was received so I sent an email to get a confirmation. They responded saying they received the letter and would contact me if additional information was needed called and emailed Nationstar if my form was received with no response. Finally I got a person in the research department that said it was an error by Nationstar and we would receive the principal credit.Then in next month I received a call regarding refinancing my loan. I asked specifically if I refinance the loan under HARP if it was affect us getting the principal reduction. I was told it would not affect and that Nationstar would either send us a check or deduct the new loan. Now that the loan was refinanced XX/XX/XXXX Nationstar is saying the loan does no qualify because to was paid off. At every turn Nationstar dragged their feet getting me information, answers, the opportunity to correct any errors and flat out lied about the pay incentive program to make money on a refinance I would not have done. If they were doing this to me they have done it to others. This could have been avoided with a simple phone call, email or letter stating it was denied so I could have sent an corrected for which was only missing the beginning of our SS # s.
My last name is wrong on my credit report. My name is  XXXX   XXXX , not  XXXX   XXXX . There are phone numbers that do not belong to me on my credit report.     The first dispute was closed. Lets try this again!
I have requested my consumer file from Early Warning Services on two occasions and have not received it. I provided the request along with a copy of my drivers license and a utility bill. XXXX is reporting inaccurate information from XXXX XXXX which I would like to dispute but need the Consumer file in order to correctly dispute the inaccurate information.
On XX/XX/2017, I visited a gas station merchant, XXXX, whom I frequent to purchase gas. I always use my debit card w/PIN number to do so. On this occasion, the point of sale did not process, so I decided to try another pump and yet again, the point of sale did not process. I asked the attendant inside if there was a problem with the pump and that person indicated that he was n't aware of such. I then attempted to use another ( 3rd ) pump but again, no luck. I immediately contacted my bank via phone to determine the problem. The bank rep I spoke to advised that the gas merchant had placed FIVE holds on my account for each transaction, attempted or otherwise, in the amount of {$91.00} dollars. Yet, I explained that while that has not happened in the past and if even so in this case, I had the funds on hand well over the amount of {$91.00}, so why is the transaction not being process. I was then advised that since I made three attempts in addition to two other holds the merchant had on my account, totaling five, my account was now in a negative balance. I was completely frustrated and to no resolved could I get the bank rep to understand that this hardship should not have occurred since my account had the available funds. On XX/XX/2017, ( today ), I decided to investigate this issue further and found that by all accounts on-line, when a consumer uses a debit card with a PIN-number, a hold is not placed, or should not be placed on the consumer 's account since the transaction is immediate. Based on other reports, the instance where a hold is placed, the funds are made available within the hour since a PIN-number is used. Moreover, by all reports, the merchant is not responsible for holding up your funds, the merchant ONLY SETS the amount to be held. Thus, it is the bank that HOLDS the consumer 's funds. Thus, I immediately contacted my bank again to voice my concerns for their FAULT at withholding my funds and to vent my frustration as to why the bank did not allow my point of sale for the gas to process. I was met with resistance for resolve and even after speaking with a so-called supervisor, who YELLED at me, while no less agreeing with me that it was the bank 's fault, I am still left with frustration. I have also incurred an overdraft fee on my saving account in the amount of {$2.00}, along with the held-up funds of {$430.00} dollars, all of which I demanded be released and credited to my account expeditiously. I feel that I have a right to such, since the bank is clearly blaming the merchant and faulting me. Moreover, I had available funds to cover my costs and should not have even been subject to the pre-authorization hold since I ALWAYS use a PIN-number with my debit card. PLEASE intervene here and help me to resolve this issue forthwith.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX American Express National Bank Executive consumer Relations, Legal Dept. 


XXXX XXXX XXXX XXXX. 


XXXX XXXX XXXX, XXXX  XXXX RE : XXXX, XXXX # XXXX XXXX # XXXX I am writing to request a favorable report be submitted to all 3 FICO credit reporting agencies : XXXX, XXXX, and XXXX. I've had account # XXXX with XXXX XXXX since XX/XX/XXXX. 


I've requested a change of bank for my SSI direct deposit & will be closing my account with your company as soon as transfer is complete. 


I will also be submitting complaints to XXXX & FDIC regarding your predatory banking practices. Your company : -misrepresented this account as a checking account linked to a debit card intentionally to mislead vulnerable adults. The account number is questionable and inconsistent with normal banking practices, in which customers would be improving credit rating for duration of positive account balance. This results in customers being unable to obtain future credit, employment, and/or credit at reasonable earned credit rate, due to " lack of credit '' indicated by FICO. This equates to " economic sabotage ''. The same XXXX Branded Companies and affiliate agencies including in this instance XXXX XXXX, fail to provide reasonable customer service and ethical business interactions. 


In addition : -multiple XXXX XXXX failed to maintain Money Center Cashier/ Center Kiosk and/or MoneyPass ( fee free ) ATMs -Bluebird/AMEX failed to maintain XXXX ATM affiliates within reasonable distances for " Vulnerable Targeted Population Victims '' poor & XXXX dependent on public transport while also preventing cash back with purchase, all of which resulted in undue ATM fees, transportation fees, untimely walking travel distance. 


Undue stress economic hardship directed at targeted populations vulnerable poor and XXXX. 


There has been not only no benefit, but much harm caused by your illegal and unethical predatory, business practices. 


You should be ashamed, publicly shamed. 





Cc : XXXX XXXX, XXXX XXXX, XXXX, FDIC, XXXX, XXXX, XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Credit Bureau : Name : XXXX Credit Bureau : Address : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : XXXX Credit Bureau : XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2017, and I noticed an unauthorized inquiry had been made. 

I contacted XXXX & XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX & XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXXXXXX Indirect We Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX A Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX
InXX/XX/2017, a fraudulent charge was made on my XXXX XXXX store credit card account using an in-store lookup by a person unknown to me, who also made charges at 4 other stores using in-store lookup as well. I immediately notified all the merchants about the fraudulent charges. All of the companies, except XXXX XXXX, investigated the fraud claims and proved it was not me that made the charges. XXXX XXXX has continued to close my fraud claim and try to say it was me that made the charge. Over the last year I have provided them with everything they have asked for to prove it was not me, including filing a police report. I have repeatedly been denied by their fraud department, and finally had to escalate to their Executive office as the fraud department refused to investigate further. For a year I have asked them to review the in-store video against my drivers license picture and they will clearly see it's not me. They have refused to do this and just keep making excuses and closing the case. I have sent multiple packets containing my proof that this was fraud but they will not resolve this issue. I have been a loyal Customer for years, and my history with them should show the type of customer I am. A year this has been ongoing and I am still hitting a brick wall with them. I need help in getting this matter escalated, as they have told me that they take claims from third party agencies more serious than from the actual customer affected by the fraud.
On Wednesday, XX/XX/2019 was checking my credit score on XXXX XXXX  before leaving for work as i have been working hard over last couple years to get my credit score as high / in good standings as possible as i can. found that my score had dropped 7 points over night, due to the fact that We Energies the Electric Utilities provider whom services my area had removed themselves from reporting to trans union credit report. i was lead to We Energies from Trans union, We Energies Personnel began to explain that this was not the problem of WE Energies. they only changed how they billed customer and stopped/removed reporting to Trans union and other credit companies, how they they translate that information and put on credit reports is each persons individuals customers/ persons PROBLEM. This was completely shocking to me as i have been paying my bill 's on time if not early most months over the last couple of years with We Energies. ( not like a cell phone customer can just switch to a different provider after this type of treatment & and filing a complaint. we customers still have use them for our utilities, like getting abused but can't leave the abuser. ) ( WOW ) now they are more then willing to use mine and ten 's of thousands of their customers Credit scores to reduce their costs in billing, by just doing this way of removing reporting to credit companies reporting no big deal i think was the term /statement they used. ( SHOULD NOT WE ENERGIES HAVE TO MAKE THESE TYPE OF CHANGES TOTALLY AT AND ONLY AT THEIR EXPENSE NOT THEIR CUSTOMER 'S SEEM 'S TO BE IF EVEN A TRUE TERM MALPRACTICE OF BUSINESS IN MY OPINION ) To me it is completely logical for a company to reduce operation cost, however i don't believe i have ever heard that using their customers credit ratings was and except able way of doing this.in my opinion it feels like they have stolen part of their customer credit scores to reduce their billing cost. I have a question i heard that credit companies only make money on negative credit score reporting if that is true? then i'm really shocked, because i'm sure We Energies attorneys/accounting managers knowing that. doing this must have weight that as a choice factor, before deciding to just choose to take this route of make change to how they would stop reporting information to credit companies. as a risk of back lash even if not illegal just unethical. to be worth the saving to the hurt even possibly damage credit of ( people and families ) customers to be worth their $ $ savings more important!
My retirement account hardship withdrawal is being delayed and processed in a discriminatory manner by a mean-spirited manager at my employer 's third party administrator, Schools First FCU. I originally submitted the hardship withdrawal request request to the custodian of my retirement funds, XXXX which received the same documentation ( attached ) and they issued an approval one hour later by Facsimile. The approval is noted on the first page of their facsimile. That same day, Monday XX/XX/XXXX, I submitted the required forms to my credit union which is also my employer 's Third party administrator of all retirement plans. After two days, a young lady named XXXX called me on Wednesday, XXXX, and informed me that a lesser amount than the {$8100.00} that XXXX had been approved, after I questioned the reasoning behind the lesser amount the hardship request went from being approved at a lesser amount to denied altogether. Since, Wednesday I have attempted to address each concern raised by XXXX in telephone conversations via telephone. However, the manager XXXX keeps insisting on a certain form or " invoice '' that is non-existent in order to approve my hardship withdrawal request.
I 've previously disputed this issue with the CFPB. I NEVER filed for bankruptcy. This issue is now on my son 's credit report.