WillisBack/dataset-financial-user-claim huggingface dataset:
written XXXX letters on XX/XX/XXXX, and informed them that I am a victim of XXXX, Experian security breach. Requested that the following inquiries deleted off my credit report. Experian never responded to me. The inquiries doe not belong to me : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
For more than three months, I 've been receiving almost daily phone calls from a debt collection agency. I never answer their calls and the company never leaves a message. I have no outstanding debt. 

The caller-id sometimes shows the company name as NCC Business Services and sometimes as XXXX XXXX XXXX For NCC Business Services XXXX the calls originate from ( XXXX ) XXXX and ( XXXX ) XXXX. For XXXX XXXX XXXX, the calls originate from XXXX XXXX XXXX XXXX. 

My complaint expresses the same situation as the complaint against XXXX XXXX submitted to your agency on XXXX/XXXX/XXXX. In addition to never leaving messages, the company has never contacted me through the mail or in any other way. They just appear to be phishing for information. 

Others who have received calls from this debt collection company report requests for private information such as social security number, claims of grossly inflated amounts owed, threats for non-payment, and many, many cases of mistaken identity. 

Back in XXXX, I received repeated calls from the same company over a period of weeks. Upon finally talking to a company rep, it was clearly established that the real debtor was someone else with my name. The rep said that the calls would stop, and they did for a period of several weeks, but then resumed. It required the intervention of the Maryland XXXX office to get the calls stopped permanently. 

Because of my previous experience and the experience of others, I refuse to have any contact with this company and would like these annoying, harassing calls stopped.
This company is on my credit report for a medical bill that I do not recognize. On XX/XX/XXXX I  sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX, XXXX & XXXX and the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
On XX/XX/XXXX Pacific Union Financial approved a short sale on Mr. and XXXX XXXX home located at : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

Our home has been foreclosed on aftera Short Sale had been approved prior to Foreclosure XXXX XX/XX/XXXX for short sale price agreed upon by Pacific Union innthe amount {$390.00}, XXXX. 

I have attached the Short Sale Agreed approved by our mortgage company Pacific Union Financial on XXXX/XXXX/XXXX and the Trustee Deed upon Sale. 

Paragraph from Pacific Union Financial Short Sale Agreement XX/XX/XXXX Pre-Foreclosure Sale / Short Sale / Compromise Sale Arms-Length Transaction Addendum Loan Number : XXXX As relates to a certain real estate purchase contract dated concerning the following mortgaged premises ; Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Under which the existing mortgagee ( s ) has agreed to accept less than full payoff of the debt owed inexchange for release of the mortgaged premises ( a pre-foreclosure sale, short sale, or compromise sale, referred to herein as pre-foreclosure sale ), each of the signatories hereto hereby certify and affirmunder penalty of perjury, that to the best of their knowledge and belief ; '' I am filing a compliant against Pacific Union Financial because the mortgage company never provided any correspondence other than the Short Sale Agreement and approval for our home to be short sold in the amount {$380.00}, XXXX. 

I have never received any correspondence that the short sale had being withdrawn nor denied by Pacific Union Financial. The Short Sale agreement was approval on XXXX, however the foreclosure sale occured after the short sale had been approved on XX/XX/XXXX for the short sale agreed price. I was never provided written notice from the realtor, the attorney nor pacific union prior to the  short sale.
Is Navy Federal Credit Union in violation of escrow policies and procedures? 
When the escrow account has a balance at the end of an escrow period, a refund should be processed as the funds collected were for the payments scheduled for the escrow period. 
Navy Federal Credit Union is collecting and holding escrow payments for subsequent periods instead of ending the current escrow period and identifying accurate projections and payments for the following period. 
Additionally, Navy Federal Credit Union has informed its customers that they are now doing escrow analysis on a different calendar year than before, XX/XX/XXXX-XX/XX/XXXX instead of XX/XX/XXXX-XX/XX/XXXX. Has the bank received special permission to change the period? Are other banks doing this practice? Have escrow guidelines changed?
In the past year, I have been charged {$140.00} in overdraft fees by PNC bank. I was charged XXXX different {$36.00} over draft fees on XXXX XXXX, 2015. I received another XXXX {$36.00} fees on XXXX XXXX, 2015. I have had some overdraft fees reimbursed during my eight years as a PNC customer. However, PNC continues to refuse to reimburse me for the {$140.00} that they charged me in 2015. I am a recent XXXX who is underemployed. {$140.00} is a lot of money to me. You can find these charges outlined under 'Other Deductions ' on my attached bank statements.
I am writing about Discover Card. I had automatic payments set up to pay the full statement balance. My XXXX statement balance of {$1100.00} was scheduled to be withdrawn from my bank account on XX/XX/XXXX. On XX/XX/XXXX, I logged into my Discover Card account and paid the full balance that was showing on my account at that time of {$2000.00}, paying my statement balance in full. On XX/XX/XXXX, the {$2000.00} was withdrawn from my bank account. In addition, Discover Card withdrew an additional {$500.00} from my account on the same day. I had not set up my account to withdraw {$500.00}. On XX/XX/XXXX, I called customer service and asked why they withdrew more than what I owed them. I was told by the customer service rep that charges of {$230.00} had cleared the account since I made the payment, and that triggered an " automatic payment '' of {$500.00}, leaving my account overpaid by {$260.00}. I was told they can not take out the exact amount due, they can only take out {$500.00}. I had not set up my account to pay {$500.00} -- especially when it was not due. But somehow my " automatic payment '' set up had been switched from " pay statement balance '' to " pay {$500.00}. '' It took this bank no time at all to take funds out of my account, but they told me it would take 7-10 days to refund the {$260.00} they owed me. How is this fair? When I asked them to refund what they owed me and close my account, they did not. Instead they issued a refund check for {$500.00}, and left the balance of {$230.00} owed on the credit card and kept the account open.
Experian is reporting the mortgage acct XXXX  that was a XXXX  loan at XX/XX/XXXX open that was transfer over to XXXX XXXX / XXXX who change it to acct # toXXXX XXXX we had two mortgages on the property we refinance in XX/XX/XXXX combining both mortgages now there is only one mortgage on the house being service by XXXX XXXX so XXXX  should be mark close paid in full not open and good standing the other two credit bureaus are reporting correctly I have tried to contact Experian about this an could not get through XXXXand XXXX  is the same loan we refinance XXXX loan # s XXXX and XXXX to one loan thank you XXXX XXXX
XXXX XXXX XXXX is a collection that was paid on my credit report. On my experian credit report it states it was open on XXXX. On my XXXX report it states the companys name as XXXX XXXX XXXX. And it states it was open on XXXX. The amount reported by both is {$700.00}. I payed this collection on XXXX. I was told it would be removed after 60 days as Ibwas told from the collection agency. It 's still not removed. I have disputed and yet it still remains on both credit reports. I finally got them to remove it from my XXXX. This item was paid and states that it 's paid. It has been over the 60 days. Also the reporting dates are both different and they are XXXX different collection companies reporting in my credit report.
This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validity of it and asked that the item is removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
I received a " pre-qualified '' offer of credit for {$4900.00} with no prepayment penalty and a set monthly payment. Once I applied, I was " Approved '', and then sent on an unending request for documents. I kept submitting documents over and over. I provided everything that was requested within hours- eventhough the offer promised " Get your money as soon as tomorrow ''. 

On Fri, XX/XX/XXXX, XXXX XXXX I received and email stating : The following additional information is required to complete the review of your loan application : 1 ) Bank statements for the past month, [ XXXX ], showing all transactions for 30 days. Please make sure your name, address, and the account number submitted on your application are visible on your bank statement and the entire document is legible. 


2 ) Voided Check. Please make sure your name, address, and the account number submitted on your application are visible on your check and the entire document is legible. 

I submitted the documents, noting that XXXX bank statements were not available until the end of the month, but submitted an account summary for all transactions so far in XXXX, and on Sat, XX/XX/XXXX, XXXX XXXX I received and email stating : This email confirms that you have successfully uploaded your documents. We will send you an email with our decision, usually within 2-3 business days. Please be advised that we will also email you should additional documents be required. 
Thank you for choosing XXXX. 
Please Note : This email is an automated notification that can not accept replies. Please do not reply to this message. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To my surprise, on Sun, XX/XX/XXXX, XXXX XXXX  I received an email stating that my application had expired : Our records indicate that you recently started an application for a loan with XXXX  XXXX. More information was requested from you to make a decision on your application. Unfortunately, we did not receive these documents and your application has expired. Regrettably, we are unable to give further consideration to this credit request. 

We welcome you to submit a new application at XXXX XXXX XXXX We're happy to assist you with any questions. Reply to this message or email us directly at XXXX. If you'd like to speak with one of our friendly customer service agents, give us a call at ( XXXX ) XXXX. 
Thanks again for choosing XXXX XXXX, where borrowing is understandable, fair and affordable. We look forward to serving you! 
Sincerely, XXXX XXXX They clearly did not intend to consumate the loan, and are therefore guilty of false and misleading advertising. According to federal law, those creditors that send a mail piece that amounts to an advertisement or solicitation that is not backed by an intent to extend credit to all who receive it on the terms specified in the offer will potentially be liable for statutory damages lawsuits against creditors accused of sending credit solicitations that are not firm offers of credit as defined by the Fair Credit Reporting Act.
While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.
I made payment arrangements and I was told the amount would be the same until my loans are paid off. I paid the same amount every month but then when I called to check on the pay off date, I was told that I was behind in my payments. My loans were sent to a collection company. I contacted the company and started making payments to them in the same amount each month. When I called to check on my account, I found out that I was in default for non- payment. I told them that I did n't understand how that was possible because I have the bank statements showing my monthly payments. They returned some of my payments from the company but it was still showing that I was behind on my payments. They recommended that I apply for a forbearance to catch up, so I did. Then, it happened again, I was making regular payments and When I called to check on my Account, I was so far behind ( the a, punt that I needed to pay each month changed and I was n't aware ) that I could n't catch up and they told me that I could do a forbearance to remove the amount that is passed due and start fresh after the months of forbearance.
I received an email in XX/XX/XXXXadvertising that " Charles Schwab is offering a bonus of {$200.00} for using your High Yield Investor Checking account. You must do the following : Enroll in direct deposit by visiting our site.

Establish and make direct deposits totaling {$2500.00} or more before XX/XX/XXXX. '' I completed the requirement and it stated that " The incentive deposit will be deposited into your High Yield Investor Checking account byXX/XX/XXXX. '' I have not yet received the bonus.
So I pulled my  Credit and Saw  many things that I was completely unaware of. I tried submitting  one  massive complaint but now I will submit a complaint about each error on my report. I have medical bills on my report in which I did not obtain. Had n't been to a hospital and have no idea how my information was used. I have no knowledge of this debt. Please help because no one can give me any answers as to how it got on my report. When contacted I told Customer Reps that I 've never been to  XXXX   XXXX  and they insist that I pay a debt that is n't mine.
I have a home equity line of credit with USAA in the amount of XXXX. I am current in my payments with the loan, but have been late in the past. Due to previous late payments, USAA froze the account, meaning I am unable to borrow more money. However, they report it as " closed '' to the credit agencies. Having XXXX in revolving debt but not an offsetting amount of credit, creates a credit utilization ratio of XXXX %. This significantly hurts my credit report and makes it impossible to get things like car loans or credit cards. The account is not " closed '' it is frozen.
XXXX agreed to remove their account off my Experian timeline. At this time XXXX is still reporting derogatory information on my Experian Credit Report.
I have been dealing with this problem since XXXX XXXX, 2016 and 7 phone calls to correct to no avail. 
I made 3 principle only payments to my car loan from Mercedes Benz Financial Services They acknowledge they have received the payments but will not deduct them from my balance. These payments of XXXX/XXXX/16 {$1000.00}. XXXX/XXXX/16 {$5000.00} XXXX/XXXX/16 {$3800.00} are not reflected on my statement. Beside my XXXX principle only payment was {$1200.00}. 
After calling in 5 times I went down to Mercedes of portland and talked for 1 1/2 hr with their financial manager. She said she has no recourse. She would call and talk with them. 
After waiting 1/2 hr. for a customer rep she told my story and they could n't figure it out. 
They would call back that day, XXXX XXXX. No call. They called me back on XXXX XXXX and assured me they would get back to me the same day. Understood my problem it would be corrected by the end of the day. 
After waiting over 40 days for a simple answer I have no recourse but to contact you. 
My theory is they are using the principle only money in some way to their advantage. 
I am incurring interest on a balance that should have been corrected since XXXX. The account needs to be refigured with interest taken out in the same month to avoid over payment. 
I do not know what more I can do. Mercedes of XXXX has been no help at all. 
They can process a loan and then feel they have no responsibility to their customers to help with a serious problem. 
What the Mercedes Financial is doing of holding onto funds I consider a scam. 
Mercedes of XXXX is now owned by XXXX XXXX XXXX XXXX, XXXX. 
Please help. 
XXXX XXXX
They are trying to collect a debt from someone I do n't know. They just keep calling and calling. After several months you would think they would stop calling my number, but nope.
We refinanced our home in XXXX XXXX, XXXX with XXXX XXXX XXXX XXXX they charged us bogus closing fees and also did not give us a Good Faith Estimate. Banking and Finance in XXXX let us know that XXXX XXXX XXXX XXXX did not have mortgage license in XXXX.when they refinance us in XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX license expired XXXX XXXX, XXXX. We found out from XXXX the lender title insurance company that the lender title insurance with XXXX XXXX XXXX XXXX was still active in place. We had a title search done on XXXX XXXX, XXXX to question the validity of debt with Bank of America. The title search came back that XXXX XXXX XXXX XXXX still has a open security deed on the property.Bank of America claim they own property but according to title search the only thing listed is a subordinate note with the XXXX in the amount of XXXX. Bank of America got XXXX on our behalf from HUD on XXXX XXXX, XXXX to reinstate our loan where we were behind in payments. Bank of America got the XXXX in our behalf and tried to hide the XXXX by taking us out of our FHA loan. Then Bank of America put us into a in house modification to hide the HUD money of XXXX that they received in our behalf. Bank of America to this day still has n't reinstated the loan.
NEW COMPLAINT : No credit of refund of  XXXX  issued by  XXXX  on   XXXX  .
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Number 3 ACTIVE UNRESOLVED COMPLAINT. SunTrust still forcing my account open due to refunds owed TO ME BY SUNTRUST.
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Suntrust has made ZERO CONTACT WITH ME ON ANY OF THESE OPEN AND UNRESOLVED COMPLAINTS.
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I want SunTrust to contact me ASAP, explain What They intend to do to help me and a projected time frame for resolution to return my STOLEN FUNDS.
I do not think my loan company is properly applying my payments. I have asked multiple customer service reps for a history of my past payments and a breakdown of how my payments have been applied. I am repeatedly told that they have to mail out that information but I have yet to receive it. I think that my total and past due balance is lower than I am being told. They want me to make full monthly payments every 2 weeks and my balance does not seem to move.
Carrite holdings and brite financial had me sign paperwork to install a device to remotely disable the vehicle purchased. This is illegal in the state of WI. Further having this device installed and if it has been used could cause major engine malfunctioning while driving. The vehicle does hesitate to start intermittently and will not stay idle intermittently. In addition paperwork was sent for a right to cure default on lease postmarked XXXX in the state of WI at least 15 days should be allowed. I had already attempted to set up a payment plan via email. NOONE answers the phone ever and the recording clearly states they are having phone issues.
On XX/XX/2018 I paid the balance in full of {$66.00}. They also mentioned they would remove this debt from my XXXX XXXX credit report within 30-45 days. This never happened, and I have just noticed that one year later it is still on my credit report report reporting as an unpaid collection. Please, remove this debt immediately off of my credit report since this is what they promised me. I spoke with XXXX XXXX at XXXX on XX/XX/2018.
I opened a checking account with Chase XXXX weeks ago and was lured for a {$300.00} credit if I set direct deposit and a premier checking account " free '' for being a Veteran. I set direct deposit with my XXXX job and I was told after XXXX days I would get my credit in my account. Now Chase is canceling my account and they do n't give me an explanation. Additionally the credit of {$300.00} is not to be seen. I called a rep when i got the letter and she told me it was a final decision and no way to debate such decision. I told her that I was a Veteran and that is why I was given the checking account. She told me " it did not matter who I was or that I was a Veteran ''. She said final decisions are final and nothing can be done. JP Morgan Chase has a good history of helping veterans with jobs and have done descent job fairs at helping Veterans in many types of situations. In this case I felt betrayed and discriminated just for being a Veteran. I feel disappointed that Chase would close my account with no explanation and feel Chase is after all not really helping veterans but denying us the right of a checking account. All I can remember is that in XXXX I opened an account with Chase in another state KY but had to leave and was not able to maintain it and left it unattended. Also I was attending VA hospital for XXXX. Maybe account closed negative I do n't know. This happen almost XXXX years ago and it should not matter now since my situation has changed and XXXX. I wanted to open a checking account with Chase because they are everywhere and very convenient. But if it 's not possible then I will seek other providers that " honor Veterans '' and do n't deny them a simple checking account. We deserve more and not just a checking account for serving this country with honor and proudly. Words from a former XXXX.