WillisBack/dataset-financial-user-claim huggingface dataset:
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. XXXX 3. XXXX XXXX
My payment for this month is due, which I understand, but the constant calls and threathing email to me basically saying I better call today is ridiculous. They charge outrageous fees which makes it hard to pay. {$700.00} loan turns into {$2000.00}.
I obtained a copy of my credit report and noticed this negitive account that is not mine. I never done and business with a company named XXXX. 

Please provide me with the following. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe : Provide me with signed copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
In XX/XX/XXXX, I received a direct mailer from KeyBank offering a {$400.00} promotional reward for opening a checking account. The promotion code on the offer was XXXX. The requirements were that I open the account before the end of XXXX, have one automatic deposit in the amount of {$500.00} in the first 60 days, and pay {$40.00} for membership in the rewards program. On XX/XX/XXXX I stopped by a local KeyBank branch in XXXX Colorado and opened a checking account depositing {$50.00}. The branch representative admitted he had never seen the offer previously. He made a copy of the promotional mailer I received and attached it to my account paperwork. 

In XX/XX/XXXX, I received an email from KeyBank informing me of what I need to do to earn a {$200.00} bonus. The amount and requirements were different than I had signed up for. I then contacted KeyBank via email to find out why the promotion changed and they proceeded to tell me I signed up for promotion XXXX and not XXXX. After elevating this issue, I was then contacted by the branch representative at the local branch in XXXX, Colorado and he assured me he had fixed the issue and that I should receive the full {$400.00} promotional reward 90 days after the automatic deposit hits. On XX/XX/XXXX, he also withdrew {$40.00} from the checking account to pay for the membership in the rewards program required under promotional reward XXXX. On XX/XX/XXXX, the first automatic deposit for {$500.00} hit the account completing the requirements for earning the {$400.00} promotional reward. 

On XX/XX/XXXX, after 90 days had passed since I completed the requirements for the promotional reward, I again contacted KeyBank to inquire into why I had not received the {$400.00} promotional reward. I again received the same response I initially received in XX/XX/XXXX. I had not signed up for promotional reward XXXX and I had not completed the requirements for receiving the {$200.00} bonus for promotional reward XXXX. At this point, I'm done with KeyBank. I believe they are running a bait and switch scam. Instead of receiving a promotional reward that I earned, I paid them {$40.00} for a lame rewards program. I intend on closing my account immediately. At the minimum, I believe they owe me {$40.00} as a refund of the rewards program I was tricked into joining. I would prefer to receive the {$400.00} promotional reward that I earned, but my health is important to me and I don't want to spend the next year fighting this bank. I have a feeling I'm not the first person that they've scammed and they probably have experience fighting these complaints. They should be shut down.
Requested verification of account to review within 30 days it was placed on my credit and received no response nor has it been resolved by bureau. Request was sent via certified mail in XXXX 2015 and still to date no response.
Loan servicer has refused to contact customer who has resided in the home over ten years and with perfect payment history regardless of settlement reached with Department of Justice and continues to fail to negotiate. Additionally, when contacted by customer, loan servicer states " check is in the mail '' and after three years has received nothing. Servicer has decided to proceed with illegal foreclosure against the outlined conditions of the setttlement agreement obtained by the Supreme Court. Customer obtained Federal grant money through the state program for foreclosure prevention and foreclosure by the Servicer will nullify and put in default the agreement of the grant and thus making it into a loan what the United States and the State granted the customer due and payable by the customer immediately which was not intended as part of the agreement and is counter to such agreement for assistance and the prevention of foreclosure.
Equifax and XXXX never allow me to get reports online. They ask questions online to verify my identity that have no relation to me. I have tried to get reports mailed to me to dispute but have been in vane.
On XXXX/XXXX/XXXX I submitted a complaint with Equifax regarding inquiries that I do not recall authorizing. Equifax always answers with the same standard response that it is my responsibility to contact the creditor to address this matter. This is a TOTAL contradiction to Equifax previous actions because records will show that Equifax has recently removed inquiries from my credit report without informing me that it is my responsibility to contact the creditor. The following inquiries I request to be investigated. I also request for the name of the Equifax Representative that conducted the investigation and the name of the person of behalf of the Creditor they spoke to confirm that the inquire was legitimate. If it was determined that the inquire was legitimate I am requesting Equifax to send me a copy of the documents used so I can verify it 's validity. 

Please note that some of the same inquiries were displayed on my XXXX and XXXX credit report and removed. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Without my knowledge, my wife opened a XXXX credit card in my name on XX/XX/XXXX. I found out because I am pursuing a divorce, so I checked my credit score to get an idea of my financial health. I called XXXX XXXXs fraud department - they will not do anything to help me. They said I am responsible for this card, even though I didn't open it, nor did I know it existed and never saw one statement. My wife admitted to hiding the statements from me. After XXXX would do nothing, I asked my divorce lawyer what to do. My lawyer said since my wife admitted to defrauding me and hiding it for three years, I should request the statements ( which I have ) and pay the minimum monthly balance on the card, which I have been. The balance since I've started paying is now at {$2000.00} as of XX/XX/XXXX. I tried to seek a fair solution for both XXXX  and myself, but they left me no choice but to pay this card that I never knew existed. It is in my name and I didn't even open it. I think XXXX is responsible along with my wife, because I was not even their customer and I was still a victim of fraud they will do nothing about.
After months of back and forth and no verification provided all medical from merchants credit had been deleted I even provided a letter from them saying it would send notice to delete to credit bureau .... in XXXX XXXX said accounts were deleted NOW THEY HAVE REAPPEARED WITH NO NOTICE ... written notice nor verification ... this is against the FAIR CREDIT REPORTING ACT which clearly states you can not do that without notification nor can you reinsert previously deleted items
The private student loan that I took out with XXXX XXXX has accrued so much interest that it will be difficult to pay it back. The credits did not transfer to other universities. I had to take the same classes over again. I now have to pay back a student loan that was worthless to me.
My loan is managed by Navient. My monthly payment is {$300.00}. I normally pay over the monthly payment to help pay down my principal. This decision was based on my conversation with customer service of my loan institute. 
I called Navient on XXXX/XXXX/17 after reviewing my payment history. It appears that my excess payment is being applied to interest not the principal. The customer service lady stated that the extra was paid to interest. 
All my extra payment of the {$300.00} should be applied to principal not interest since the interest is based on the principal balance each month.
Bankruptcy in XXXX  in WI as part of divorce. Moved out of state. Attorney amended bankruptcy at hearing to include utilities. Utilities marked " closed '' on all of my credit reports with a XXXX balance. I did not receive a bill. Attorney told me everything was taken care of. 
Received a letter from L.J. Ross Associates, INC in XX/XX/XXXX. An attempt to collect a debt for XXXX XXXX in WI for {$250.00}. If I did not respond in 30 days they would assume the debt is valid and place a judgement against me for the debt. I called L.J.Ross and was told that it was from XXXX. I should call XXXX XXXX about the debt. 
I called XXXX XXXX and they could not give me a meter reading or dates of service for this debt. The agent told me that they did not accept the amendment to the bankruptcy. Agent also said the bill was larger and they reduced it. I asked why it was 4 years old and was told they sent it to another agency and had recently changed to L.J. Ross who were more aggressive. I stated I have never received a bill before they sent it to any collections. Agent also told me it was out of their hands and I should again call L.J. Ross.

It has been over 4 years without any notification or communication about this debt.

I am told to call the utility company by the collection agency and told to call the collection agency by the Utility company. 
XX/XX/XXXX the collection agency shows up on my credit report.
As a result of TAX REFORM in late XXXX, the tax amount of {$3200.00} needed to be paid from the ESCROW account immediately. 

During my call with CHASE on XXXX XXXX, XXXX with XXXX XXXX from the Chase mortgage tax department several urgent items were discussed. 
1. I authorized the {$5.00} fee to pay this tax immediately. This was based on Chase providing information that the Town required a " batch '' payment, or pay this {$5.00} fee. 
2. Because XXXX XXXX claimed that Chase did not have the tax document, nothing could be paid. Therefore, I requested an immediate call from her superior. As of 1145 hrs, XXXX/XXXX/XXXX, no attempt to contact me in any fashion has occurred. 
3. The town has assured me that Chase DOES already have the tax bill. Incidentally, during the XXXX/XXXX/XXXX conversation with XXXX XXXX, she required the tax bill to be uploaded to their document server. I uploaded the tax document during this phone call. 

ISSUE : Chase mortgage refuses to assist this customer to expedite payment of the TAX bill and has found every excuse to avoid doing so.
I sent a letter to TransUnion requesting that they delete the duplicate inquiries on my credit report. I explained that under the provisions of the fair Credit Reporting Act 15 USC Section 1681i they must reinvestigate and delete the disputed Items. The told me that I have to contact the creditors that made the inquiry and have them write a letter of deletion. I went to the creditors and they explain to me because I am not a customer of theirs that they will not write the letter. I explain this to TransUnion and also mentioned again the Fair Credit Reporting Act and they told me that they would not delete the duplicate items. So now I am bringing the complaint to the CFPB.
I had submitted a claim and it was being investigated they closed it with false information and I was told they would re issue a new claim number and fix the error only to find out my account was closed and sent to their collection department. XX/XX/18 They closed the account and now I am being subject to pay XXXX in fees that the account remains overdrawn for.
Had a mortgage with Wells Fargo Home Mortgage about 10 years ago. Received an alert from XXXX XXXX that Wells Fargo removed my account from my credit report and caused an 11 points drop on my credit score. Contacted Wells Fargo but couldn't get help.
In XXXX 2015 we got a pre-foreclosure letter. We had several conversations, as we have always paid at least 2x 's the amount due or more. They said that they were sorry and it was a mistake that we got the letter. On XXXX 2015 statement, they added {$780.00} fee for FORECLOSURE FEE. I have contacted them by e mail and phone and every one I talk to says that a supervisor will call me back. No such luck. No one had responded. I have had to refinance this loan to get away from PennyMac and their " computer errors ''. The pay off notice that was given to the new company has " Foreclosure fee '' listed. This has caused some problems with the new lender. I want this fee reversed and they send me a refund.
I was selling jewelry online from XXXX list to get caught up on my bill '' s. 
A buyer sent to me {$1500.00} dollar '' s which i deposited in People '' s United Bank. 
In XXXX after the check cleared, i was told to forward the money by XXXX XXXX. 
I was told to keep {$100.00} dollars for the price of the jewelry.after the money was wired by XXXX XXXX, after i went to my bank to with draw my money from my XXXX check and the bank stole my XXXX check which left me with nothing.I am a XXXX patient, i have to have XXXX and also XXXX four times a day. 
I ca n't pay my rent, gas and electric and also i cant even by food for my service dog. 
The banking XXXX office Social Security and the police officer all told me that people '' s united bank would work with me so i can afford my living expense '' s this month. 
They refused to help in anyway.After the bank cleared a bad check they confiscated my XXXX check, the bank manager XXXX XXXX was willing to help but she said corp office refused.I have other XXXX beside the XXXX and i cant get any of my prescriptions. 
Most likely will be in the hospital due to XXXX.I am broke and need help.
Portfolio Recovery Assests has continued to contact my employer after being asked not to by my employer and by myself. My employer has told them to stop contacting me there, as I have, but they continue to call. They have been repeatedly asked to remove my work number. They also refuse to give me information on where this debt originated. They have also refused to accept my monthly payment offer due to it being too low despite my husband being unemployed.
My transaction " post '' dates were manipulated to trigger an overdraft to my checking account, which in turn triggered an overdraft fee.
I have tried to dispute and contact this agency for the past two years but they will not comply with my dispute.
I filed for Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX. I signed a reaffirmation that same month and the copies were sent to Wells Fargo Dealer Services. Wells Fargo requested the documents with the wet signatures from my attorney, XXXX XXXX. They were sent inXX/XX/XXXX and were received by Wells Fargo. My bankruptcy was discharged in XXXX XXXX and I began to check my credit report for accuracy. I disputed my Wells Fargo account because it showed that it was closed. I did this twice and both times, nothing was updated. I called Wells Fargo in XXXX and they informed me they never received the wet signatures, so the loan was included in the bankruptcy. I immediately contacted my attorney who did some research and according to XX/XX/XXXXthey did receive the wet signatures, but someone ( it 's not listed who ) determined the documents were not the originals and did not have the wet signatures. My attorney is requesting the documents be sent back to us to prove they are not wet signatures, but I am lodging this complaint as well as I believe my attorney did send the correct documents and we need to know who decided it that the docs were not originals. I pay on my car every month and I should have my credit report reflecting the information correctly.
Barclays Bank continues to report bad information on a Credit Card that I was merely an authorized user on when my XXXX, who the card belonged to, had the debt discharged in bancruptcy.
The following inquiries are unknown to me and I do not recognize them or authorize them. I was a victim of identity theft and I do think this was all done while that was going on. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX ( XXXX ) Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX
Hello XXXX Thank you writing. I am one of the escalation managers handling cases for the Liquidation department. A review of the attachments received shows the borrower is offering {$1000.00} to settle the deferred principal balance amount of {$60000.00}. I am reaching out to let you know that there is only one lien on the property which is with Ocwen and we do not do settlements on part of the principal balance that is owed on loans. That is not an option. Borrower can call customer service at XXXX and schedule an appointment with the Relationship manager to discuss other loss mitigation options. I can assist if the borrower would like to sell the property. You may visit the below link for mortgage assistance options : XXXX XXXX XXXX XXXX Thank you Regards, If you would like to submit a notice of error or information request, please mail the request to Ocwen Loan Servicing LLC | Attention : Research Department | XXXX. XXXX XXXX | XXXX XXXX XXXX, FL XXXX XXXX XXXX Escalations Collateral Based Solutions. Ocwen Loan Servicing, LLC Work : XXXX ( XXXX ) XXXX XXXX www.ocwen.com To : Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX From XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX Re : Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} At this time, I am writing to offer Ocwen Loan Servicing {$1000.00} to settlement and fully release of 2nd lien Loan Deferred Principal Balance of {$60000.00} from the property of XXXX XXXX XXXX XXXX MN XXXX loan number XXXX. We have done everything in our power to make ends meet but unfortunately we have fallen short and ask that you to consider to settle our2nd lien Loan Deferred Principal Balance in full. Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} would fully release all personal liability and the lien from the property located at XXXX XXXX XXXX XXXX MN XXXX loan number XXXX A payment was applied to loan number XXXX XX/XX/XXXX for {$8700.00}. I would like this payment to be considered part of the Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} With the home valued at {$190000.00} and 1st mortgage balance at {$180000.00}. A foreclosure would net the 2nd lien Loan Deferred Principal Balance {$60000.00} nothing.. We personally, want to make a good faith effort to Ocwen Loan Servicing pay the {$1000.00} that we are offering. We have the means to obtain this amount for our settlement offer now. And as this 2nd lien Loan Deferred Principal Balance has been included in a chapter XXXXbankruptcy action, you would not get any of the balance owed. I would appreciate your timely acceptance of this offer. As this offer will expire 30 days from the above date. XX/XX/XXXX Sincerely, XXXX XXXX &
I applied for a credit card for my business with Wells Fargo who denied me for incorrect reasons. I do not have a bankruptcy or collections under my name, Also no inquiries was made under my name. I monitored my credit XXXX and XXXX XXXX and no alert was posted on my account on XXXX/XXXX/16. So I do no really know where this information came. I want this incorrect information to be fixed, this cause bad reputation for me and my business.I do understand that financial institution can denied you but at least do not make false excuses.
filed chapter XXXX discharged inXX/XX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX XXXX XXXX
On XXXX I made my XXXX mortgage payment ( XXXX ) on line with Chase Bank. On XXXX, I received a notice from my bank ( XXXX ) that my checking account had a negative balance of XXXX. I reviewed my account and Chase Bank had taken out XXXX payments, instead of XXXX. I contact them on XXXX and was told that XXXX could not be credited back the same day. But it would be back in my account on XXXX on XXXX the funds had not been put back into my account. I contact Chase and was told that, because the entire amount of XXXX was not being return, then I would have wait for a paper check to be sent out. I advise the associate to transfer me to a manager, she confirmed that her manager would speak with me, but she was ending a meeting and would take the call. She then came back and advise that her manager advise her that she would need to call me back. She provided me her manager 's phone number XXXX, but I did not understand the name. I then left a voice message for the manager, as she had requested. I called the manager back and received her voice mail again, I explain to her that my account was in negative and that I need to confirmed that funds would be credited back to me today. I then advise that I would be filing a complaint with the CFPB and that I would also being sending an email to the CEO.