WillisBack/dataset-financial-user-claim huggingface dataset:
I called XXXX, equifax , and XXXX to make sure my fraud alert was put on my file, XXXX and Equifax are the XXXX that are giving me the run around and said it was and I asked them about all the inquiries that I had no knowledge of and asked them why they took them off then put them back on again. I was told I had to contact the creditors directly and discuss it with them but all this was taken off and put back on she said by mistake. How is that a mistake?? I have a copy of the police report sent out to all three credit bureaus. XXXX was able to take them off the same day over the phone but I feel like the other XXXX just do n't want to do their jobs.
I disputed information that wasn't mine to Experian, they did an investigation that I have no idea how they kept erroneous information that I have no clue why it is on my credit report. They have name variations for me that weren't mine and addresses where I haven't lived and employers that I didn't work for. 

I contacted them and no one answers their phone, then the fax number where they used to accept disputes isn't working anymore, then they give me an upload link then it said it wasn't working. 

I am using this last process before I sue them in Small Claims Court
A man named as XXXX XXXX, PH : XXXX from XXXX XXXX XXXX Reference No : XXXX and said he was an attorney. He called my employer on XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at XXXX XXXX have contacted me before at my employer workplace phone number to try collect on a payday loan with Castle PayDay Loans. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.
Constant, daily calls, sometimes multiple per day regarding a finance loan for a XXXX XXXX. I am not this person nor have I have ever had any business with Capital One.
XXXX TO CASE : Case number : XXXX Involving XXXX XXXX XXXX process attorney McCalla Raymer LLC .MCCALLA RAYMER LLC FORECLOSURE MILL ASSEMBLY LINE, McCalla Raymer , LLC ( hereinafter " McCalla Raymer '' ) is a law firm incorporated in the state of Georgia , their principal place of business is XXXX , XXXX, XXXX. McCalla Raymer acting for and on the behalf of its ' clients XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX has instituted and pursued non-judicial foreclosures of Georgia Security Deeds against the property of Plaintiffs described above with full knowledge that it lacked authority to do so, and has imposed similarly illegal foreclosures upon XXXX of similarly situated residents of Georgia. Defendant continues to prosecute XXXX such foreclosures against citizens of Georgia. XXXX XXXX XXXX ( hereinafter " XXXX '' ) conducts business as an electronic loan registry for the mortgage finance industry, their principal place of business is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXReported Lender : XXXX XXXX XXXX, XXXX. ( hereinafter " XXXX XXXX XXXX '' ) is a federally chartered bank, their principal place of business is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
MCCALLA RAYMER LLC FORECLOSURE MILL ASSEMBLY LINE, XXXX XXXX XXXX XXXX ( hereinafter " XXXX XXXX XXXX '' ) is a XXXX XXXX, incorporated in XXXX, which owns multiple companies, each of whom provides some aspect of foreclosure, bankruptcy, loss mitigation, and loan settlement processing service, tax examination, title search, and other document management services. XXXX ' companies provide outsourced foreclosure processing services in XXXX states and bankruptcy processing services in all XXXX states. 
XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ) is a private equity firm, incorporated in XXXX, who owns XXXX of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX 's principal place of business is XXXX XXXX XXXX XXXX, XXXX XXXX. 
WHEN BANKRUPTCY FILED, ATTORNEY REPORTED MCCALLA RAYMER LLC WILL FILE SOMETHING CALLED CONTESTED MATTER TO RETURN TO COURT TO DISMM WHAT THEY CALL MOTION FOR RELIEF FROM AUTOMATIC STAY.THIS NEED NOT OCCUR AND BE TERMINATED IF IT HAS BEEN FORWARD. OTHER DOCUMENTS OF FRAUDENT STATUS HAVE BEEN RECOVERED AND ALSO CONVERSATION WITH ROBO SIGNERS HAVE BEEN ESTABLISHED RELATED TO XXXX XXXX XXXX PAST XXXX AND MCALLA RAYMERS ASSOCIATES. CURRENTLY RECIEVING PREMISSION AND NOTARY STATEMENTS TO RELEASE THESE DOCUMENTS.
In XX/XX/XXXX Select Portfolio Servicing , Inc purchased my mortgage from XXXX / XXXX, originally written in XX/XX/XXXX. My mortgage was written with an option to eliminate PMI insurance with a 90 % LTV and certain other requirements. For over 2 years SPS has refused to honor my PMI rider, investigate my claim, failed to respond to QWR 's and insists they only accept an 80 % LTV based on a current appraisal. I 've not paid for their appraisal until they honor my contract as written. SPS is in possession of all supporting documents.
On XXXX XXXX, 2016 I received a letter postmarked XXXX XXXX, 2016 and apparently pre-dated XXXX XXXX, 2016 from Blitt and Gaines , P.C . This letter was on a mix of old addresses and my current address. Blitt and Gaines claimed to have been retained by XXXX XXXX XXXX, yet XXXX would have had an accurate address for any debt allegedly owed. Blitt and Gaines ' letter states clearly " attorney at law '', yet federal court cases illustrate they are a debt collection entity based on their activity. 

I have forded Blitt and Gaines plenty of time to validate this debt as well as provided a letter challenging the validity of this debt and their patently false claims of being retained by XXXX XXXX XXXX. I have received NO such validation, nor proof that they are retained by XXXX XXXX XXXX as requested and given their bad address as of today, XXXX XXXX, 2016. I have a copy of their letter, my letter to them, and tracking information showing it was delivered. I also should have the return receipt card at home. 

Since this is now a clear violation of the Fair Debt Collection Practices act as well as Missouri statute, on several counts, their letter and refusal to validate are now actionable as well as harassment.
I own a Macy 's American Express credit card. In XXXX of 2015 fraudulent charges totaling {$440.00} appeared on the card for lotion purchases at a non-Macys store. I immediately called the credit card company and filed the necessary fraud dispute paperwork. In short, they did not even open my fraud paperwork until XXXX 2015 and in the meantime were reporting my account as delinquent to the credit bureaus, thus damaging my credit score. I have called in every month to company and each time they state they just do n't have enough staff to process claims and there are system problems and my claim is not yet processed. I since paid the charges to prevent further damage to my credit score and am now trying to recover the money from Macy 's.
Constant calls..Threats of apprehension..Calling relatives..Discussing details..Trying to get personal info..
This company has been calling myself, family and friends for about three weeks starting on XX/XX/XXXX. In both cases detailed messages were left on their machines. Since then they have both been contacted numerous times. I contacted the company on XX/XX/XXXX to figure out what was wrong. They told me I was being sued and I would be served at my workplace. everything sounded fishy, so I decided to do more research before paying them.

Today, XX/XX/XXXX. This company somehow got the number of both my girlfriend and her mom and have been calling repeatedly back to back. They also contacted me 22 times over the course of 3 hours today.
I transferred XXXX credit card balances totaling {$660.00} to Chase at a promotional 0 % APR for 12 months. At the time my bill was due I paid my card in full less the balance that was under 0 % promotion. I was subsequently charged an interest fee event though I paid the full balance that was subject to interest charges.
my school loans used to be through XXXX. Now, it is called Navient. 
I prefer to pay by mail with monthly coupons. Navient failed to send me the 2017 coupon book to make the XX/XX/2017 payment on time. I called them in early XXXX and they told me they would send out the coupon book. after a few weeks, i called again because no coupon book arrived. during this second call, Navient told me they mailed it but it was returned to them. my address has remaining the same, no changes. when the coupon book arrived, i made the XX/XX/2017 and XX/XX/2017 monthly payments in one money order. now Navient has imposed late charges for not paying XXXX on time. 
more importantly, Navient is telephoning me on the following dates and times : XXXX XXXX am ; XXXX XXXX am ; XXXX XXXX pm ; XXXX XXXX am ; XXXX XXXX pm ; XXXX XXXX am ; XXXX XXXX am and today XXXX at XXXX : XXXX. these are calls with no live caller on the line, only a message for me to call them for an important message about my loan. because i am being harassed by these robo calls, on tuesday, XX/XX/XXXX, after recceiving the XXXX robo call, i telephoned the number left on the robo message.. the navient representative checked my account after i explained i made 2 months payment. he stated my account is current. i explained to him that these daily calls are harassing as i am current on my account. he assured me he would fix the problem. since that XXXX telephone call, navient has telephoned me on XXXX at XXXX ; XXXX at XXXX am and XXXX at XXXX am. 
how do i get them to stop harassing me? again, the navient representative advised me that my account is current as of XXXX. please assist me in stopping these harassing robo calls.
A new hard inquiry was made on my XXXX account for a Chase card on XX/XX/2018. I did not authorize this. Additionally, the cell phone number provided with the hard inquiry is wrong. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month.
This Monday ( XXXX ), we used ATM to deposit money at U.S. Bank on XXXX XXXX. 
I had my brother run an errand because I was working. 
But machine malfunction did not deposit money, and I did not get the money back. 
My brother went into the bank and asked the clerk while showing him the receipt. 
The bank clerk told my brother that there were several problems like this today. 
It will be deposited in a day. I came home believing that. 

However, there was no change in the bank account the next day ( Tuesday ) morning. 
I called the call center on the receipt, but I couldn't speak to the manager and the call center employee said the money to go in ten days. 


I asked you to deposit the money today because I needed it, but the clerk said no and told me to wait 10 days. 

When I asked a call center clerk if I could speed up the process, I was told that I couldn't guarantee it. 
I was so frustrated that I asked my brother to do me a favor.I asked him to go to the bank for me. 
( Because it was time for me to go. ) But equally from my brother who went to the bank, I couldn't get the answer I wanted. 
The bank employees said they would not be fined if they visit where they should pay ( here and there ) and explain the situation. 

I think it is wrong for them to make a mistake and pass on the damage to customers. 
This problem is worrying and discredited, time-consuming and they have to compensate in any way. 

I waited one day. Believed them, I visited the bank yesterday ( XXXX ) and I trusted them again waiting for another day again. 
Now I can't wait and not just follow them. 
They have to compensate enough and I'll get it about this problem.
my wife and I XXXX, call this company to Refinance, everything they ask forms paper they got it, they give us closing day, so they sent that person to signing the documents XXXX days after the closing the titles personal call me above other finance documents that they needing, they had XXXX days to collect all the information to continue or to stop the Refinance process.
On XXXX/XXXX/2016 I deposited XXXX XXXX $ dollar bills via the atm at the M & T Bank in XXXX Pa. XXXX. I could clearly hear the machine malfunction. It kept the money and dispersed a slip telling me to come into the branch during business hours the next day. I did and they told me they would have a technician look at the machine and have someone from their security department view the surveillance video, they issued a provisional credit for the XXXX of XXXX/XXXX/2016 nothing has been done and I was told at the bank yesterday that they would reverse the provisional credit on XXXX/XXXX/2016 I 'm out the XXXX. I was also told that no technician has looked at the machine or the video as of yesterday. M & T has had a whole month to investigate this matter and they have n't I was also told yesterday that on the day of the deposit that the machine balanced out so they do n't know where my money is. At this point the only conclusion I can come up with is that there is a theft involved here.
I knew I was selling my car to a large car dealership, I called into Capital One Auto Finance for a payoff quote. The automated system directed me to call in to speak to someone, as I had an auto payment scheduled at that time it was scheduled for XXXX/XXXX/17. I did & spoke to someone at the company, they told me that as long as the payment was received within 10 days of the quote, the payment would not be considered late. I sold the car and Capital One received the payoff on XXXX/XXXX/17. The company reported my loan as paid off but reported my XXXX payment as 30 days late. I disputed through the credit bureaus & called the company directly only to be told that they a " no good will '' policy, despite refunding me the late fee assessed. They will not change my credit report.
I initiated a customer service chat with citibank on XX/XX/18 and was told that Citi does not reveal accrued interest to customers using the website ( which is the only way I can see my account, pay bills, etc ). I am being charged interest without being told when or how much.
I am deeply concerned that XXXX XXXX XXXX and XXXX XXXX XXXX are implementing policies that run counter to laws and regulations passed by Congress, and they infringe and discriminate against my Second Amendment rights. 
This discriminatory behavior is unconstitutional and must stop. My decision to use a credit card in the purchase of legal firearms should not be blocked by a large corporation that disagrees with said purchases.
My mortgage company is U S Bank I have submitted my financial several time with thin the last year and a half, and request for a mortgage modification. I have been turned down several times. I recently received a wage increase from my employer. I want to keep my home. I have resubmitted the request for mortgage modification with financials as of XX/XX/2018.
Equifax has a collection of {$900.00} from XXXX. This apparently was from a XXXX XXXX account. I have never had XXXX XXXX in my life. I spoke to a rep at XXXX XXXX in XX/XX/XXXX, and they said they had no record for me. I have disputed this several times with Equifax, but every time I do, XXXX reports it as just opened. I spoke to an Equifax rep and the latest dispute was XX/XX/XXXX and XXXX reported it opened in XX/XX/XXXX. How does that even make sense? I 'm trying to buy a house.
Comenity Capital and I agreed to settle this account for {$1500.00}. The first payment of {$370.00} each month starting XXXX XXXX, 2017 ending with a final payment of {$370.00} received XXXX XXXX, 201 ( see attached bank statement ). The money was deducted from a debit card each month belonging to my mother, XXXX XXXX. As of XXXX XXXX, 2017, upon checking XXXX Credit reporting agency, the balance is being reported as {$1200.00}, when the balance should be 0. Attached are all documents needed to support this agreement.
This happen during hurricane Harvey. I was given a 3 months grace period of not paying my house payments? Now, Wells Fargo wants all of the 3 months grace money from harvey now? I wanted to add my payment to the end of my existing loan.. During the Hurricane Wells Fargo told me that .I could add too my existing loan?
I have a past due balance with the XXXX XXXX XXXX  which is now in collection. I was never given the opportunity to set up a payment arrangement. They set up a payment for me that was very high. I couldnt afford it. They have since taken my tax return, which isnt reflected in my balance. They never acknowledged that they took it. They are now threatening to garnish my wages. I sent a previous complaint against them and they sent me a letter stating I could file a hardship with them and possibly get a payment arrangement. They said they need my last few months of banking statements as well as mortgage payment information. I dont believe a collection agency should ask for that information. I merely want to set up a payment arrangement. I dont think they need to have my bank account info and statements.
I was recently the victim of Identity theft. I requested the at the various Credit Reporting Agencies and furnishes validate accounts that were unknown to me.

XXXX without my authorization took it upon themselves to place a personal fraud statement on my report, and then XXXX sent a notification to both XXXX and Trans Union also without my knowledge and authorization. ( while at the same time not removing the un-validated identity theft accounts from my equifax report. 

XXXX  in response to this request by XXXX placed the following statement on my XX/XX/XXXX report. 

Personal Statement ( s ) 06 & 03-17-18 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

I did not make this statement and do not appreciate experian placing it on my report and exposing my phone number.
First issue was that I had a very sick pet. I used the card for the vet bill. The company provided no warning that I was going over my credit limit. They charged a fee. I paid fee and started to be very careful with card. Next issue, in XXXX 2016 the bill was due on the XXXX. Bill arrived on the XXXX. I always pay all my bills that arrive during the week on the Sunday, in this case the XXXX. I opened the bill to discover that I was past due. Of course, even if I had opened the bill on the XXXX I would not have had time to get the payment to them through the mail. I have noticed that this company has been mailing its bills later and later in the cycle. So many months ago I had set up, on the Internet, a bill warning alert, with them, to alert me 10 days before bill was due. Apparently, when the company was sold all these warnings were removed. Resulted in a late payment fee of {$27.00}. I paid them on the Internet as soon as I noticed that I was overdue on the XXXX. I sent them a note about the late arrival of the bill on the XXXX and have not received a response. Interestingly, this month 's bill, XXXX, arrived early as it should.
Due to financial hardship, we requested a loan modification agreement from Selene Finance. The new loan terms that we received on XXXX/17 were worst than the original loan. We were asked to pay {$3000.00} by XXXX/17. In addition to {$1500.00} on XXXX/17, plus {$1500.00} on the first day of the next six months. The loan modification also increased our interest rate from 4.25 % to 5.5 %, over 40 yrs. instead of 30 yrs. We spoke with loan agent, XXXX XXXX on XXXX/17, and informed him that these terms were awful and requested to have a reinstatement quote sent instead. ; We further requested to pay the reinstatement lump sum and keep our current loan terms. XXXX said I should receive the reinstatement quote by Monday, XXXX XXXX, 2017. I still have not received the quote as of today, XXXX XXXX, 2017, although an agent this morning said that it was sent or may have gone to my spam account. I reiterate, I have not received such correspondence. I 've called my loan specialist, XXXX XXXX and still have not been issued a reinstatement amount. The agent this morning was kind enough to inform me that a foreclosure date of XXXX XXXX, 2017 had been activated. My complaint is that Selene Finance is not truly working to assist the home owner. In fact, it appears that they are working to accelerate the foreclosure procedures against us. I have provided documentation validating our hardship and loss of income. I can not understand how or why the lender would impose more strenuous financial terms in the revised loan modification.
Trident Asset Management has bought an old account and re-aged it. They are now trying to collect on this time-barred account. They continue to harass me, yet refuse to send validation of the original date of this debt from XXXX XXXX.
I contacted XXXX XXXX on XX/XX/2018 about fraudulent charges on my XXXX Credit card. I contacted XXXX  about the charges who could not provide any information about the charges and stated that they were not linked to my account. I went into a local store who pulled up my XXXX  account and again had no further information and could not see any information about the charges. I contacted customer service to file a fraud case, they then advised they were submitting a dispute and I would see the XXXX credits on my account. I thought this was kind of odd since I advised this was fraud but I dont know there policies so I thought the rep knew what she was doing. I have not heard or received anything since this date. I know get email that states I have a past due balance of almost double what I reported which appears to be fees. I have not received any notification of a case. I have been sitting on hold for the last hour and will continue to wait as I wait for assistance but this is completely wrong and a perfect example of poor business practice. I was advise the issue would be resolved and was never contacted.
What type of problem are you having? I am trying to get my credit in order and I have a collections company YCCS located in XXXX Washington my home town that has piled on a pretty big bill, wich I could have paid back eventually had they not tacked on a absolutely ridiculous interest rate and never contacting g me or even sending me a letter stating the amount of money I owed ever. Now it is at {$19000.00} and most of it is interest since its been building it for probably 12 years or so with out my knowledge. I have agreed to start paying XXXX dollars a month and they faxed me the paper work and when I am finished paying it off I will have paid XXXX dollars wich seems a bit out of hand and its really making it hard on me. I am a XXXX father of a XXXX XXXX XXXX girl who has made some mistakes in the past but I am trying to fix my credit and buy a house so I can raise my girl in a nice home. And where I live I could buy a nice home for XXXX dollars and put the money into my local economy. Anyways I feel like Im being taking advantage of and I also feel like this cant be legal if you could please help me out with this I would really appreciate it my email address is XXXXXXXXXXXX, my phone number isXXXX and I live at XXXX XXXX XXXX XXXX MO. I am very busy working and taking care of my daughter the best way to contact me is an email. 


Thank You XXXX XXXX Who are the people involved?