WillisBack/dataset-financial-user-claim huggingface dataset:
National Credit Systems has been calling me at work and harassing me. They claim they can not call my cell phone number - which no one else seems to be having this problem. 

A woman named XXXX XXXX called me at the beginning of XX/XX/XXXX stating that I owed my former apartment complex {$700.00} because I terminated my lease early. Fair enough. It is a debt that I owe. I made a payment to them the following Friday. XXXX XXXX asked that they set up an automatic withdraw from my checking account. I told her that I was not comfortable with this and that I would just send them a monthly payment of {$100.00} until the debt is paid. She said that would be fine. 

Well today ( XX/XX/XXXX ) XXXX XXXX calls me back ( at work again! ) and tells me that my account will still be reported on my credit because I elected not to have the money automatically debited from my account. I told her AGAIN that I 'm not comfortable with that and that last month it was n't a problem and now suddenly it is? I said " So you 're telling me that even though I am making payments, you 're still going to report this on my credit just because I do n't want to give you my checking account information? '' She said " That 's not what I 'm saying. You 're putting words in my mouth. '' So I said " That is exactly what you just said. '' She continued arguing with me stating that is n't the only reason. I asked what the other reason is and she told me that this had been discussed with me prior. I said " No, you told me last month it was fine for me to make payments on my own. '' Then she just told me that this was their policy. 

I do n't think it 's right for them to still report this on my credit when I am making monthly payments just because I do n't want to hand over my checking account information so they can do an automatic debit. The only thing they should be concerned about is whether or not I 'm sending in payments NOT that they have access to my checking account. This company seems fraudulent to me. I have another pending payment going out to them tomorrow. I wish I could stop the payment but it is already in process. 

I just do n't see how this is even legal and I really do n't think they should be allowed to call me and harass me at work!
1 ) My husband and I fell behind with mortgage payment, XX/XX/XXXX. Matters became worse, XX/XX/XXXX, when my husband suffered from XXXX and XXXX ( Medical care - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX ) and was forced to stop working. Although, we are pursuing my husband 's XXXX ( payments ), we have fallen further behind. To date, XXXX XXXX. has never provide us with a monthly mortgage statement. We have requested several times for a statement. <P/>
2 ) We attempted to settle past due amount {$3000.00} ( account # XXXX )XX/XX/XXXX. Mortgage company ( Caliber Home Loans , Inc., XXXX XXXX XXXX, XXXX XXXX, OK XXXX ) refused our letter / offer to settle. The subject mortgage company, XX/XX/XXXX, pursuing foreclosure via their legal representation ; XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( phone # XXXX ) 3 ) We have reviewed our situation with local Legal Aid Society of XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX, XXXX, NY XXXX. ( phone # XXXX XXXX contact XXXX XXXX XXXX, XXXX. ) 4 ) Our hope and request is we to save our home ( value - {$130000.00} -  estimated, loan balance - {$30000.00} - estimated. We would like re-payment plan or re-finance ( conventional or possible VA loan. Please review above matter for any assistance you may be able to provide. <P/>Thank you, XXXX and XXXX XXXX, XXXX.
As of XX/XX/2018 a XXXX account was added to my credit report in the amount of {$240.00} i contacted the original creditor to provide validation. i've never had a XXXX account
I have a CareCredit account with Synchrony Bank and have been using it for some time now. Without my knowledge, Synchrony opened a separate account that was a Care Credit Rewards Mastercard in my name. This account existed alongside and separate from my primary Care Credit account. I only discovered it by logging into the mySynchrony portal and seeing two accounts listed where I expected to see one.

I contacted Synchrony bank and they said that I was sent a letter that required me to opt out to not have the Mastercard account opened. I never received this letter. They also said this was an " upgrade '' to my existing account, which does not seem to be accurate since my balance on my CareCredit account did not show up under the Mastercard account. I instructed Synchrony bank to close the Mastercard account and leave my Care Credit account open, and they agreed to comply with my request. However I do not know the damage this may have done to my credit from having an additional line of credit opened in my name. 

This is a deceptive practice that is borderline identity theft. It is unlawful for any entity to open a line of credit in my name without my authorization. If this is an " upgrade '' of the card, then at the very least I should have been contacted directly for authorization prior to the changes in terms of service and not " opted in '' automatically without my approval. Altering my account without due notice and agreement is also unethical and potentially unlawful.
Dietech Financial, aka Greentree will be forclosing on a house located at XXXX XXXX XXXX XXXX. today at XXXX XXXX pst. They have not dealt in good faith with us and have " dual tracked '' this house in that they told us we were eligible and be considered for a loan modification. We have also submitted an offer and a short sale package to them within the time line that they set.
I have never done business with United Revenue Corporation. I do not have a signed contract with United Revenue Corporation. I am not liable for this debt from XXXX XXXX XXXX. This is my second attempt asking for proper debt validation that meets FRCA requirements. On XX/XX/2018 I contacted United Revenue Corporation asking for a proper debt validation. United Revenue Corporation failed to complete this request. An alleged e-bill does not meet FRCA requirements for validation. If United Revenue Corporation can not produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. United Revenue Corporation does not have permission to contact me by e-mail, phone, nor US mail. All communication is to be kept within the cfpb portal.
I called XXXX XXXX to cancel my policy as I had XXXX. He never picked up and his voicemail was always full. I called the headquarters who advised only my agent could cancel. A week later i called and my case was expedited. I was assured they would reach out to agent to cancel. The agent cancelled my policy effective XX/XX/2015. Mind you, I'd had XXXX a whole month. I had to suspend payment with XXXX to make sure they could not withdraw funds from my account. 
I got a letter from Credit Collection Services trying to collect on a debt of {$110.00} from XXXX. I have requested a debt verification with dates and how a balance of {$110.00} was incurred. I have yet to hear back from them.
XXXX XXXX may not understand the requirements under Unfair, Deceptive, or abusive Acts or Practices ( UDAAP ). According to UDAAP, the representation, omission, or practice is likely to mislead consumers is a requirement that should be reviewed when marketing credit offers to customers. 

They currently are marketing an offer to consumers that is very DECEPTIVE. They replied to complaint XXXX and said they will update the marketing material but are not honoring the current offer. They may want to consult with their legal team. The proximity, placement, positioning and prominence of the attached offer provides 15 % off when you use the XXXX XXXX Credit Card and below the offer clearly states plus get either 6,12,18 months of financing Or choose revolving credit & 20 % Off your entire first purchase. 

Isnt it illegal to offer consumers ( violation of UDAAP ) offers that the bank will not honor? How is sending me a {$100.00} gift card correct this problem? How does XXXX XXXX correct internal issues as required by regulators? According to the OCC, banks are required to have a corrections/remediations process where they can correct issues such as misrepresentation of information that could lead to customer harm. XXXX XXXX doesnt seem to have an effective corrections/remediatoins program in place. They are refusing to honor a marketing offer and have admitted to the issue by being willing to update their marketing material.

I am once again requesting XXXX XXXX to honor their offer of 15 % off when I use the card Plus get 20 % off for my first purchase. A civil suit will follow if this isnt resolved and I will begin to socialize this faulty marketing offer via the various social media channels to ensure other consumers are not negatively impacted.
Account Number XXXX, amount of student loans totaling XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Navient misallocated my payments, steered me ; a struggling borrower toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans. Also credit scored dropped 46 points with XXXX  due to reporting from Navient.
Between XX/XX/XXXX-XX/XX/XXXX I was offered multiple times, by Navient, to enter into forbearance. I was never offered income-based repayment and never even knew it was an option. I have called Navient ( previously XXXX XXXX ) multiple times over the past few years to discuss repayment options, but I was never once informed that income based repayment was an option. I was also sent obscure " new document available to view '' emails which did not make clear that I was receiving a bill, and were often sorted into my spam box.
On XXXX I reported to XXXX and experian ... Beginning XX/XX/XXXX, public record data collected for credit report reporting purpose including bankruptcies, civil judgement and tax lien must have common minimum 1 ) Name 2 ) Address, social security and / or date of birth. Minimum frequency of courthouse visit to obtain newly filed and updates public records of at least every 90 days. These credit reporting companies fail to removed inaugurated information on my credit report.
I have a hard inquiry on my credit report dated XX/XX/2017 from TMCC. I don't know who this is.
The debt is and has always been my former spouses debt. It originated in XX/XX/XXXX, even by proof of the info that was sent to me by the debt collection agency. My former spouse even made a payment to the originating debtor in XX/XX/XXXX. My name is no where on the debt and is not connected to it at all. The insurance that was used was connected to my former spouses military benefits not mine. I have provided all of my spouses information to include his XXXX which shows his date of discharge from the military, XX/XX/XXXX as well as a copy of our divorce decree that states that all debts that were his prior to XX/XX/XXXX are and remain his solely. This debt continues to be reported on my credit report and has been since XX/XX/XXXX. It was removed however it still showed it as an account in collections under my name and is a derogatory mark on my credit. This needs to be removed as an account that was NEVER my account and done so across the board to ALL reporting agencies as an account that was not mine, belonged to my former spouse.
I have contact all 3 credit bureaus to inform them of fraudulent activitys on my credit.i also sent copies of police reports where there were someone who was arrested for using my name my social security. I would appreciate all things on my credit be removed and not placed back on my credit with this fraudulent activity it stops me from being able to get credit
on XXXX XXXX XXXX I requested federal disaster relief from Wells Fargo the loan services on my XXXX XXXX Harp refinance. Wells fargo told me XXXX XXXX loans do not qualify and said they would investigate and see if there investors would allow this. They still have not answered 100+ days later. nor have they answered my two previous CFPB complaints other than to ask for more time. They then refused to post the payments i was making. They are lower than pond scum and belong in prison. both XXXX XXXX executive resolution specialist and XXXX XXXX Sr. VP refuse to return my calls. I hearby request that you fine them and ban them from servicing loans. There refusal to comply with the federal disaster declaration has cause undue financial stress, and resulted in a number of over draft charge from my banks when i was trying to comply. There actions mean I ca n't afford a XXXX  tree nor any presents for my family. 

Please inform them that there actions are not only illegal but immoral and ban them from the HARP program and servicing any federally back home mortgages including VA, HUD etc. 

They also have refused to supply me with the information i requested 30+ days ago under the dodd-frank wall street reform and consumer protection act pursuant to 12 u.s.c sections 2605 ( e ) ( 1 ) ( a ) and reg x section 3500.21 ( e ) ( 1 )
I am writing regarding charges XXXX XXXX XXXX XXXX is trying to levy against me. 
Sometime in XX/XX/XXXX or XX/XX/XXXX I opened an account with Capital One. In XX/XX/XXXX or XX/XX/XXXX I got a call from the bank saying they were seeing suspicious charges and wanted to close the account. I said OK, the travel rewards promised were never delivered anyway. In XX/XX/XXXX I purchased 2 tickets from XXXX to XXXX XXXX with my rewards. I elected an electronic purchase, but there was no record of my purchase when I arrived at the airport. I had to pay $ 400-500 for my tickets. 
In XX/XX/XXXX, I received a call reminding me that I had not paid $ 15-16 owed on my account. I quickly called ( on XX/XX/XXXX ) and told them : 1. I no longer had an account and 2. I hadnt made any charges. 
The person I spoke to agreed to reverse the charges since they were not mine. I do not have a recording of the call, but can show I made an approximate 12 minute call to Capital One. 
Since that time I have received repeated requests for late fees. I have written 2 letters to the company ( attached ) explaining again that the charges are not mine. The total requested is now {$62.00}. 
I have 3 credit card accounts that I use for convenience. I pay the charges every month online ; approximately {$3000.00} per month. If I made a $ 15-16 purchase, I would pay it.
I have disputed with Experian about a collection account on my credit report ( XXXX XXXX ) and I stated ( between 3 and 5 times ) that the account was previously paid to the company XXXX directly, with no involvement of XXXX XXXX. The credit account was suppose to be removed since it was paid before the account was initiated.And of course XXXX XXXX never contacted me on the issue nor did XXXX, but I constantly am disputing the account since it was full in full to XXXX ( the final bill took a while to get to me since I moved to a new location but once received it was paid immediately )
On XXXX XXXX, 2017, I sent {$220.00} to my friend, XXXX XXXX, who resides in XXXX XXXX, XXXX. The money, Transaction # XXXX, was sent through Western Union at the local, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The funds were sent on a Saturday afternoon. Unfortunately, the next 2 business days ( Monday & Tuesday ) in XXXX were holidays, and the banks were not opened. On the Wednesday, XX/XX/XXXX, Western Union in XXXX, paid the funds to someone claiming to be my friend. XXXX XXXX does not drive nor own a car, and lives about XXXX miles south of XXXX. She did not pick up the funds. Upon learning that the funds had been claimed in XXXX, I contacted Western Union, and filed a complaint, Claim # XXXX. My claim was investigated according to XXXX XXXX, and determined that it had been correctly paid. I asked how that was possible if XXXX XXXX had never been contacted? No reply. So, I believe that inside Western Union in XXXX, someone intercepted the transaction. Western Union does not care if XXXX XXXX actually received the funds. This can not be accepted as right, just, nor business as usual.
I opened a paypal account in 2003. Since the period, paypal has updated its terms of service frequently with extreme anti-seller provisions, without any acceptable disclosure, and without my permission/consent per the e-sign act. I recently became aware that in some cases, these clauses include provisions stipulating that I have to sue them in a court in XXXX, that I have to give sellers 180 days returns, waive my rights to representation with card issues, and that they have the right to charge me money and forward my information to 3rd parties even after I have closed my account with them. I believe the way they operate is not ethical. 

After learning of these changes, recently I closed my paypal account. However, even after closing it- they still attempted to represent me to a card issuer, force determinations, and charge me fees due to a dispute with a buyer for a prior transaction. 

Paypal has a reputation for being extremely one-sided to the buyer in the case of dispute resolution. In this case, even thou I was entitled to " sellers protection '' they violated their own written policies by finding in favor of the buyer even thou I had provided them with ample evidence that no refund was due to the buyer and that their determination was contradictory to their own stated policies- and they have since given me a negative account balance and threatened to send me to collections. 

I would appreciate the CFPB 's help in resolving this matter with paypal.
I am submitting some more documentation concerning my Public Service Loan Forgiveness credit. 
I thought it best to submit documentation based on the various issues, rather than the whole laundry list as it might be easier to deal with that way. 
I did send these letters to FedLoan as well as the Ombudsman. 
Description of the letters attached : 1. Public Service Loan forgiveness issue which is my letter with my payment history under the program. 
2. The PSLF annual form. Please note the Employment begin date of XXXX/XXXX/2010 on page XXXX, section XXXX. 
3. FedLoan 's recent review of my PSLF credit which is an abomination, and has no relevance to the facts. 

All along they have tried to minimize my service, this last letter is grossly wrong and obviously written in such a way that I 'll be paying for over 7 more years, rather than the 4.5 years that I have left to serve. 

Sincerely, XXXX XXXX
Upon reviewing my credit report with Trans Union ( pg. 5/12 ) company by the name of XXXX XXXX XXXX placed a collection for XXXX XXXX XXXX onto my report. I was never notified by phone nor mail from this collection agency. Upon further review XXXX XXXX XXXX placed this collection datedXX/XX/XXXX. 

ISSUE : On XX/XX/XXXX I received a cancellation notice from XXXX stating that this policy would expire on XX/XX/XXXX at XXXX XXXX. ( See upload ).
The supposed company Diaz and Associates sent me a letter dated XX/XX/XXXX stating that I owe a debt of {$1000.00} but are willing to settle for {$190.00} If I paid by XX/XX/XXXX. They offered for me to pay by XXXX XXXX   to get it there quick enough. The letter states the original creditor as XXXX XXXX. bank. I contacted that bank and they have no records of me having an account there. I called the debt collection company phone number on the letter and got a very unprofessional person on the other line asking for my social security number. I told the representative that I had no knowledge of XXXX bank or an account I have ever had with them. The guy confirmed my name and email address and told me that XXXX is going to take action against me in court. He stated the debt from XXXX but Kansas law states the statue of limitations would not allow the debt to be sued on. I told the guy I had no knowledge of the debt again and would be sending a dispute letter. and he said I will be sued an hung up on me. The letter I received gave me no offer or knowledge to dispute the debt within 30 days of I believe it to be a mistake which is required by law. Nor was that mentioned on the phone. This seems to be a fraudulent situation. This debt has never been reflected on my credit report. This seems to be scammers.
I'm getting debt collectors calling almost every day asking to collect on a card that doesn't belong to me and isn't under my name. Sometimes they ask for a different person 's name, sometimes they don't say anything and just hang up. This started happening right after I got a car loan. These are the dates, times, and phone numbers ( different numbers, I'm assuming it's the same company ) : -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX   ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX  -XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX  -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX  : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXX at XXXX XXXX  : ( XXXX ) XXXX
Equifax security breach cause some unknown item on my report sent the po report to XXXX and XXXX cant pull equifax
I had XXXX service. For 4 months, they continued adding unwanted services to our contract trying to increase our bill every month. I contacted them every month to cancel the services that were never ordered by me but somehow showed up on my bill. After getting frustrated with calling every month, I contacted XXXX and told them just to cancel the service. The representatives I spoke to told me that I ordered the XXXX channels and the basketball ( neither of which I am interested in ). XXXX also tried to take this fradulent amount from checking account numerous times without my authorization. They were disputed with my bank and reversed. XXXX is well aware of the situation and it really angers me that they have placed the account for collection and now impacting my credit score. If XXXX did n't breach the contract by adding additional channels that were not ordered by me, I would n't have to waste my time dealing with this again.
Personal Statement I have been a victim of id theft and following up to clear up some remaining inquiries that are not mine and it was an attempt to open accounts in my name. The fraudulent inquiries are XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX na XX/XX/XXXX XXXX XXXX XXXX na XXXX XX/XX/XXXX XXXX ) XXXX   XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX oil no XXXX on XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. These are all unauthorized inquiries made by someone other than me please remove from my report. I have already begun contacting all the appropriate parties.
I had a personal and business checking account with XXXX bank and what they did was allowing companies to take money out of my accounts that was not there. The companies that XXXX allowed to do this bounced the accounts for fee 's and payments because they knew XXXX bank would pay because of their reputation. All of this was done electronically but not on my behalf. XXXX bank was notified of this and they did not to correct this errors on behalf of individual companies who did this maliciously and purposely with cruel intent on my behalf they did not protect me as a customer.