WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX XXXX XXXX called my husband and he gave me their number to return their call. When I did it never rang and the man who answered knew who I was before I gave any identifying information. He never identified his name or that he was calling to attempt to collect a debt. He then claimed he was calling on behalf of an attorney to collect a debt owed to XXXX XXXX from XX/XX/2008  in the amount of {$370.00} dollars. This information can not be confirmed by the bank or the consumer reporting company they utilize. When I disputed the debt as I've never been notified of it or had it on my credit report he claimed the bank could never report the debt because I had moved multiple times since XX/XX/2008 and that they contacted me at an address in Florida I've never lived at. He also claimed they had preformed a federal background check on me because they're a law firm and they can do this while the bank can not when I questioned why I hadn't been contacted in the last 10 years. He then went on to threaten me stating that he was putting me down as refusing to pay and they would be reporting this debt to every one of the credit bureaus as well as XXXX and my current bank account would be shut down immediately. He went on to state he knows I'm very intelligent and that I don't want my credit ruined over this.
I was contacted by a company called XXXX XXXX XXXX regarding a payday loan from 2013. This company had personal information that led me to believe that a debt actually existed. They stated that unless I paid the amount immediately by XXXX that a warrant would be issued for my arrest w/ a bond of {$6000.00}. I sent the XXXX and called back with the reference number. While on hold, I searched the company name online and discovered that it was a scam, but too late to prevent the transfer of funds. I was sent an " Exoneration Letter '' rather than a Release which further indicates that it was actually a scam.
From XXXX - XXXX XXXX Equifax suffered a data breach losing personal data for 143 million Americans. This data is reported to include name, address, phone, SSN, birthdate and some drivers license numbers. Equifax failed to report this breach to the public until early XX/XX/XXXX thereby denying consumers the ability to protect themselves from the most significant data breach ever reported ( bigger than XXXX breach due to nature of information ). Three Equifax high-level employees sold large portions of their stock during the window from when Equifax knew they 'd been breached and when the public was informed, thereby allowing these three employees to get out of the market before Equifax 's stock dropped in value. 

Equifax ( and the other major credit reporting companies ) collect personal/private information without the consumer 's direct permission. When there are errors on a consumer 's credit report, it is darn near impossible to get them removed and it takes forever to make it happen putting the burden on the consumer when the consumer is typically not responsible for the problem. 

Then Equifax, who collects my private information without my permission, sells my own data back to me or to financial institutions that I engage in business transactions with, both of which cost me money and usually time/effort to get report cleaned up due to someone else 's error. One a daily basis they control every adult 's ability to buy a house, buy a car, get a loan, etc. When the consumer has been victim to identity theft, as I have, it can take well over a year to clear up the report. 

Now, Equifax, guardian of my private data, and controller of my housing future, loses my data along with the data of every US adult with a credit report and hides this fact for over 6 weeks. They then offer a solution which is a slap in the face of all consumers ... they offer their own product for one year. This is a HUGE deal and they offer to provide one year of their own product which at the end of the year, you can continue if you start paying them a monthly fee. And you still have to watch for charges on your account with their monitoring system and if you become a victim of fraud, you have to spend the time/effort fixing it with them and the other credit reporting companies. Finally the " year '' solution is n't acceptable because my SSN is still valid 2 years from now and 20 years from now.
Equifax is in the business of collecting, storing and selling consumer 's private data. They failed to keep it secure and for this, there should be significant penalties to ensure that they and the other credit reporting companies pay closer attention to consumer data. I urge you to make an example of them with swift and significant penalties, new regulations, etc.
Equifax just turned over the keys to every consumer 's personal financial life to criminals which has to be a criminal act. This must be pursued by the government and a solution ca n't be a one year " membership '' in Equifax 's own product. That is ridiculous. It rewards the guilty party with a second chance to watch the same data they just lost!
I had set up my mortgage on auto-pay as I knew work and the holidays would be crazy. However, it slipped my mind. So when the XX/XX/XXXX bill came in, I paid it online. There was no notation on the bill, or warning on the home or payment page that our loan was on auto-pay. This seems very irresponsible of a company to not warn customers a payment has already been made and a warning of overpaying, especially when it is a significant amount - it is misleading and an incorrect representation of the account. Our auto loan and credit cards companies provide the notifications, so how are they not held to the same standard?
Company was contacted personally. Discussed that permissions to conduct credit reports were not provided. Company disclosed a solicitation call was conducted. I reinforced the issue requesting the inquires are removed.
I have been dealing w/ XXXX ,  XXXX  and Experian for the last six months regarding four accounts that are presently on my credit report. I have provided information to  XXXX  which advises me that they obtain their information from a third party agency. I obtained the third party division that that  XXXX ,  XXXX  and Experian advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however  XXXX .  XXXX , Experian continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on    XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,  the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since    XXXX   XXXX    however there is no dollar amt attached.
When I pulled my credit after getting denied for a loan inXX/XX/XXXX, I noticed that there was a collection on my credit that I was not aware of and have never received any information pertaining to this debt or the opportunity to dispute and or validate prior to XX/XX/XXXX. I filed a dispute with all three credit bureaus asking for validation of the debt. On XX/XX/XXXX I received a letter stating that they received a letter of dispute but that the dispute was lacking any specific information to conduct an investigation. I attempted XXXX more times through the credit bureaus and each time it come back validated but no information was giving as to how it was validated as well as what documentation was use to validate this account. On XX/XX/XXXX I sent a letter via certified mail to this company asking for specific information regarding the validity of this account and again I received another letter stating the same information that they received a letter of dispute and was lacking any specific facts when the letter listed asked for specific information. This company has had almost XXXX months to provide me some type of information to validate this debt and has not provided me with anything. Their lack of cooperation is causing a serious hardship to my financial situation and a violation of the Fair Credit Reporting Act. I have attached the letter that have been sent, the one that is addressed to XXXX was sent to the other bureaus addressed accordingly but this is to show what was sent showing that I asked for physical proof.
XXXX XXXX is a fraudulent account XXXX is reporting fraudulent charges. XXXX wirless is a fraudulent account. XXXX XXXX is a fraudulent account.
XXXX XXXX Applied my last payment of {$57.00} paid on X/XX/3017 to someone else 's account resulting in this hitting my credit report dropping my credit score by 29 points. 

I have contacted them and made it clear that this needs to be removed immediately and the 29 points need to be put back. They stated this could take 7 to 10 days And I 'm in the process of purchasing a brand new home with my husband. 

When trying to reach out to the credit agency CBE it States that no one is available. This is inexcusable. Not only did I leave a forwarding address but clearly the bill was paid in full.
XXXX ATM withdrawals that were not received at the XXXX XXXX in XXXX, XXXX were debited from my account. Provisional credit was initially given and later revoked. My bank provided me with a " Rebuttal Form '' to fax. No acknowledgement was made. It was faxed again 3 months later. Again there was no acknowledgement. I have verification that XXXX faxes were received. A conversation with a VP/Branch Manager produced no results. These were my Social Security funds which is my only source of income.
I entered XXXX XXXX military service XXXX XXXX, 2013. I am under the Public Service Loan Forgiveness Program. Fed Loan Servicing is claiming I have only made 21/120 required payments within this program. This is incorrect. I have me 32 qualifying payments since being in XXXX XXXX XXXX. Fed Loan continues to ignore multiple emails and inquiries into this miscalculation.
XX/XX/XXXX My Husband XXXX XXXX XXXX, the primary mortgagor for Chase account # XXXX, passed away. Immediately we took action to ensure that XXXX servicers for the 1st mortgage XXXX XXXX XXXX, and the 2nd Mortgage ( referenced account ) were properly notified. Unfortunately my husband passed away without a living will or a designated executor of his estate, and as a result, Chase refuses to authorize me ( the spouse ) as the successor in interest. 

Since XXXX, Me, my son XXXX XXXX XXXX, and our advisor XXXX XXXX have made numerous phone calls and sent numerous faxes to Chase in an attempt to get authorization for me to discuss the account. Obviously with the loss of my husband, the primary income has been lost, and we 're now experiencing a financial hardship. We were both on fixed Social Security income, and this has now been reduced drastically. 

In the numerous conversations with various Chase representatives, including escalation managers, we 've been given conflicting information for authorizing a successor in interest, much of which contradicts the regulation that CFPB has set forth for servicers. 
On multiple occasions we 've faxed the death certificate, a copy of the primary note showing both my husband and I as borrower and co-borrower, and after an " unusual '' request from XXXX their reps, a copy of our marriage certificate XX/XX/XXXX. 

To this day even after confirmation of receipt, they still refuse to authorize me to discuss this account, yet they continue to send correspondence that threatens to take my home. Our intent is to satisfy our mortgage obligation with Chase, as it has always been, however this will require assistance from Chase. I 'm an elderly woman who has suffered enough tragedy, the last thing I need is for Chase to make matters worse by refusing to discuss this account with me.
From XXXX XX/XX/XXXX, Wells Fargo miscalculated deliquent interest fees. On XX/XX/XXXX I got documents from Wells Fargo regarding my equity from the sale of my home. My home sold for more than my loan amount. Wells Fargo sent me a breakdown of my foreclosure fees. I was charged {$16000.00} in deliquent interest over a 5 month span. If you break that down to charges monthly that means I was charged {$3300.00} per month for 5 months with an interest rate being 6.150 on {$150000.00} ending principal. The math doesn't figure. Also I was charged {$2400.00} for an escrow advance. I did not have an escrow account. I paid my own homeowners insurance and property taxes which leads into corporate fees of {$2300.00}. which is forced insurance. My home owners insurance was through XXXX XXXX XXXX, XXXX XXXX, agent for XXXX XXXX XXXX. I'm sure some just miscalculated there figures but bottom line I should be compensated for over charge or forced charges.
This account was already blocked by the FTC and outlined in my complaint the charges showing as charge-offs are not only incorrectly displayed but also the result of unauthorized charges the account was closed behind me because of it and the deposit held for the remainder of the charges by the bank
Recently while conducting a monitor of my credit report I discovered that KEYBRIDGE MEDICAL REVIEW MGMT has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from KEYBRIDGE MEDICAL REVIEW MGMT but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to KEYBRIDGE MEDICAL REVIEW MGMT to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than KEYBRIDGE MEDICAL REVIEW MGMT is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and XXXX authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be perceived as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX XXXX ( this has been paid through health insurance )
XXXX Mortgage They have lost or failed to process our payments which were made in plenty of time resulting in late payment fees! We were sending payment postmarked weeks before payment is due on the XXXX. They do not seem to even have a 3 day window grace period given that we can not control the timing of the United States Postal Service. 

When I looked at reviews there were several of these types of complaints. 

We will be paying electronically from now on but this has happened twice. This is a XXXX home. We have never ever had any late or missing payments for our current mortgage with XXXX XXXX. 

I feel they are deliberately not processing payments based on the recent reviews and complaints and need to be investigated for this practice. Not sure how I can switch mortgage lenders without refinancing but will be looking into it. This can potentially hurt credit.
Citi Cards initially advised my XXXX 2017 payment was never paid. I received a letter stating now it was received, but was 30 days late. This is false. Company is refusing to take responsibility and remove these late payments. I have never made a payment outside of 30 days. I would like to know what other federal regulation agencies that I can contact to finally get to the bottom of this issue. 

THIS IS A NEW COMPLAINT, WHICH ADDRESSES THE CLAIM THAT I WAS 30 DAYS LATE.
These hard inquiries are not mines. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank
We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX Inquiry : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY
In XXXX XXXX I called Wells Fargo Home Mortgage ( WFHM ) and spoke to a customer service rep concerning my mortgage payment for that month. Since i was still in the " grace period '' the customer rep offered a repayment program called a Temporary Forebearance Agreement. Under this program the XXXX XXXX mortgage payment would be deferred and repaid in XXXX equal installments over the next 3 months. The repayments would be in addition to the normal mortgage payments due at that time. 

I asked the customer rep it entering this program would reflect negatively on my personal credit report. Her response was that if i complied with the terms of the agreement then nothing negative would be reported to any of the reporting agencies,. However, in order to participate in the program i had to agree to allow WFHM to debit my account when the XXXX XXXX, XXXX XXXX, and XXXX XXXX mortgage payments came due plus add XXXX of the deferred amount to the total. In addition, since the agreement was made during the XXXX XXXX grace period I would not be considered delinquent. 

I agreed to the terms as i understood them at that time and provided the customer rep with my account number and I did not make the XXXX XXXX mortgage payment. The program was completed in XXXX XXXX and the obligation completed. 

Two problems have arisen for me as a result of this agreement with WFHM : 1 ) The missed payment somehow grew into XXXX delinquent payments 2 ) The aforementioned alleged delinquent payments were reported to XXXX, XXXX XXXX, and XXXX consequently negatively effecting my credit and credit score In reviewing the mortgage summaries for these periods and item labeled " Applied Funds '' appears. It seems that when WFHM debited my account they did not know where to apply the funds. The complete payments might have been placed in an escrow account and neither the regular nor deferred payments were properly credited even though paid per the agreement and on time. Since WFHM presumably designed the program and offered the product to customers it seems reasonable to think that they would have known how to manage and operate it. Once the funds were debited I had no control over how the funds were treated.Of course the customer suffers from the banks inefficiencies. 

Lastly, i did not receive a copy of the Temporary Forebearance Agreement until XXXX XXXX. As a result fully understanding the terms was different than what was explained by the customer rep. WFHM claimed that my conversation with the customer rep was recorded but when pressed to produce it they could not. So it becomes a case of my word against theirs.
Sometime on XXXX 2016, we opened a Bank Account in HSBC BANK USA , NA. Immediately after this, we received XXXX debit cards, on my wife and mine name. After a week or so, the bank account was never opened by HSBC, so we trashed the XXXX debit cards and close our relationship with this Bank. To this date, we are receiving monthly statements on my wife 's debit card showing no activity or use of the card. Today I received XXXX open bank checks on my wife 's name. Being aware of the many cases of happening fraud, I have called the Bank to cancel this debit account. Finally an operator said she can do it if I supply certain information, including our passport number, date of birth and a few other questions. I requested to speak to a manager, without any results. I hope that your Bureau can help us on this matter as it seems impossible to solve the problem speaking with bank. The name of the account owner is : XXXX XXXX, our address is XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX NEW YORK, XXXX. Telephone # is XXXX. Account ends in XXXX. 

Thanks in advance for your help on this matter.
Hunter Warfield ( Collection Agency ) is attempting to collect a debt that is unknown to me. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I received collection letters from Hunter Warfield on behalf of XXXX XXXX and XXXX. These letters were the first and only contact received by me. It appears that XXXX XXXX is attempting to collect {$430.00} and XXXX {$500.00} ) for what? I do not know. I moved out of XXXX XXXX Apartments upon proper notice ( 60 plus days prior ) on XXXX XXXX, XXXX. I began living there XX/XX/XXXX. During the signing of the lease I was offered a Surety Bond ( I assume XXXX ) it was explained to me by the employee who signed me, as a way not to pay a deposit, which was subject to be returned at the termination of my lease. However, if I were to pay {$86.00} for the bond with no expectation of refund then all I had to do was end the lease. Any damage, or other expectation would be covered by the bond. I agreed to pay for the bond. I paid my rent on time for the next three years. Then, I get these letters this month demanding payment for the above stated amounts. There was no prior written notification nor explanation for these requests. Just the collection letters with the threat of debt reporting to the national credit bureaus. 
I do not owe these people money and am requesting that they STOP these attempts of collection.
Google wallet allowed a cancelled payment to come out of my account without my authorization. They need to return this money to me as it was in my account period.