WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I received several texts and a phone call from family and friends referring a call addressing my name XXXX XXXX. This was a call to collect a debt. Yes! I understand I owe a debt. I am in a program to pay my debt off through XXXX XXXX XXXX XXXX in XXXX. The problem I have is ... .they are calling family and friends without calling me! I'm annoyed and irate because they are harassing them and not contacting me. The only reference I have on file would be my sister. About hour later, I started to received a text messages and a phone call from a distant relative which they received calls asking for me. I have never used any other family ( distant cousin ) for any kind of reference what so ever. The strange thing about it is I just got her number just a week ago @ her mother 's funeral service. How did they get her number? When I just got it a week ago. Are they hacking my personal information through my cell line? I am very concerned! There must be a proper way to address this. Am I suppose to receive a letter from this so call debt agency ( XXXX XXXX XXXX )? Evidently I never received a letter. I called the debt agency, an gal name XXXX  answered the phone and pick up like she knew who she was talking to. She asked me if I was XXXX. I address to her, Yes! and I asked her, What was the debt for? She wanted my Social security. I did not give it to her. I stated that she had all facts about me. I guess she wanted to make sure she was talking to the right person. I told her she had the info because they have been calling family and friends to contact me. The debt I owed was from " XXXX XXXX XXXX XXXX ''. The amount I owed is {$300.00}. I told her that XXXX XXXX XXXX is taking care of the debt. I gave XXXX   the name of the law firm and the phone number to law office. I made it aware that it was debt program and I pay the law firm to take of my financial affairs. I called XXXX XXXX XXXX XXXX explaining to the paralegal about harassing calls just recently received. XXXX is the paralegal who takes care of my account. He called XXXX XXXX. When they picked up the phone line, right away they asked XXXX if he was " XXXX '' XXXX replied, Do you know who I am? Then he realized these people seemed to be illegitimate debt Company. He asked about my debt I owed and they couldn't give the info he needed. What XXXX has told me the creditor sells the debt to pennies and you get these Debt Collectors to buy them and try to collect the debt from the consumer. I know for a fact i did not get a letter from " XXXX XXXX XXXX ''. They are not complying the ethnics from the Trade Commission and XXXX  bureau. All in all, I want to know what are my rights as a consumer advocate? Do they have the right to call family and friends without contacting me? I feel this Debt collection agency stole my info on my cell line by hacking my personal information of family and friends. We must stop these people from bullying the consumers! I just want to find out how did they get my personal info without my consent.
I received notice that my account was past due! I had payment set up with my bank to sent payment each month, and my insurance payment was sent from my credit union account each month. I paid the taxes when they come due. 
In XXXX my payment was returned to my bank no explanation. I contacted my insurance company and payments were sent for period on time. then in XXXX of 2015 the mortgage company sent my insurance company a payment of {$1600.00} which is the total insurance on my property for one year. Then they increased my payment from XXXX to {$590.00} which is an increase of {$380.00} - if you divide the {$1600.00} by XXXX you come up with an amount of {$130.00}. What happens to the additional {$240.00} that they are charging. 
So I sent a letter to the Nationstar Mortgage company w/return receipt requested. Wanting to know why my payment went from {$280.00} to {$590.00} ( I called several times leaving my name, loan # XXXX and a contact number for them to contact me. Never heard from them. ) The registered letter was signed for on XXXX XXXX by XXXX XXXX still no phone call or explanation of why my bill is doubled what it should be. Had they left it alone I was making my house payment out of my bank account, and the insurance payment was automately made out of my savings account. This company has messed with my account and now I do not know what is going on. I am putting a CASHIERS CHECK in the mail for {$2700.00}, which is what they state that I owe. I want an explanation of the charges. that this covers along with an explanation of why they are messing with my account. I have called several times and still can not reach anyone. How can they take over my " LIFE '' by not contacting me or explaining these charges. I want to receive a phone call from someone along with an adjustment on my accountThanks for your help
Unbeknowst to me, a friend has a loan with Sallie Mae. I was unexpectedly called by an employee of Sallie Mae asking the whereabouts of my friend. This was an incredibly intrusive call and upsetting. I had never given my permission to be contacted in this fashion. I asked for his information to follow up. The employee 's name is XXXX XXXX, Counselor for Recovering Income, at XXXX XXXX. His number is XXXX XXXX XXXX XXXX. His supervisor is XXXX XXXX. My friend later explained to me that, although Sallie Mae has her contact information, this employee had similarly called all of her friends, family and even a neighbor. I was shocked to hear this and wanted to ensure the correct supervising authority was notified.
Applied for a loan with Southwest Funding, a loan broker in XXXX, TX. The loan was quoted verbally on XXXX/XXXX/15 by XXXX XXXX as 3.25 % with total fees of {$1800.00} to be paid. This loan was XXXX option on the original GFE issued by XXXX XXXX, although the {$1800.00} in fees was higher than on the GFE. XXXX issued several subsequent GFE 's, each XXXX incorrect. As of the day of verbally being advised of loan approval, a correct GFE had not been received, however, we continued to proceed in good faith. A correct GFE was never received prior to closing. The final, incorrect, GFE, arrived via XXXX on XXXX/XXXX/15, the day of closing. Despite being advised of loan approval on Friday, XXXX XXXX and requesting both the corrected GFE and HUD statements several times between that date and our scheduled closing of XXXX/XXXX/15, they were not received in a timely manner. On XXXX/XXXX/15, the business day prior to closing, the HUD statement was received late afternoon. Upon review it was noted that again, the loan numbers were incorrect. There were origination charges and fees totaling {$4100.00}, or {$2300.00} more than quoted. A call to XXXX XXXX of Southwest Funding the morning of XXXX advised of the error and a correction requested. After reviewing with the loan processor, XXXX XXXX advised that the numbers were correct and that there were origination charges tied to this particular loan, which was not as she had verbally represented, or as had been stated on the original GFE. She also advised that we could change to another loan, but that would take a minimum of 3 days to process. As the closing was out of state and had already been delayed once, my husband and I would have to find another time to travel, incur additional expense, etc., we decided to go ahead with the closing even though the figures were incorrect and the loan was not the one that had been promised. 
Southwest Funding did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred were {$1800.00} more than originally quoted by Southwest Funding. 
Complaints : XXXX 's agent, XXXX XXXX did not provide the loan that was quoted, nor did she follow up with the actual lender to provide documentation in a timely manner, despite numerous requests for this documentation. 
XXXX XXXX did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. 
An aside, XXXX advised that information from XXXX was sent via XXXX and e-mail, however, no e-mail was ever received from XXXX XXXX. 
I believe that both of these issues are unethical practices.
Greetings I have initiated a dispute with EQUIFAX to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EQUIFAX to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EQUIFAX including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove.

Below are the reporting Inquiries that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter.

Regards, XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
Credit Bureau of Santa Maria is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.
I previously submitted a complaint to you about Bayview loan servicing. I asked them to provide a copy of the mortgage note, and all documentation pertaining to my mortgage. They were suppose to comply by XX/XX/XXXX. The complied with no documentation. They sent me a letter stating that my mortgage has been sold again. They further stated that they will continue to service my loan I am suppose to send them my payments. They sent me a barely legible promissory note without my name on it. Only the name of my deceased husband. He has been deceased since XXXX. XXXX did an assignment from my deceased spouse and the previous lender on XX/XX/XXXX. They further did an assignment from XXXX to Bayview Loan servicing on XX/XX/XXXX. Bayview states that the loan was sold on XX/XX/XXXX and the documentation was filed in my local court jurisdiction. I have looked and it was not. I have no idea who actually owns the mortgage it even if I owe money at all. The promissory note that they produced is totally different from the original one that I have. I have not let them in on that fact as of yet. Please feel free to contact my daughter XXXX about anything pertaining to this matter.
XXXX XXXX is the worst business ever. 
they put negative information about my account, that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report, they failed to contact me, through email, phone or mail this is my rights under FCRA, SCRA, i am XXXX XXXX XXXX " XXXXonsumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. '' and " You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. " they say they try to contact me many times, which never happen and they refuse to show me any email or mail letter to confirm they reached me or even phone log, i only received one letter to tell me i have negative payment going to the report i asked to show anything to verify they reached me personally, they refuse.

my only problem, is their own collection department : -do n't care that i am SCRA -refuse to show that their information is verified -add more information without my consent on my report ( 30 days late, and note that i didn't like their investigation ) -delayed my process -never answer question -refuse to understand that sometimes accidents happen -acting like their system is 100 % error proof and no way that accident happen and i wasn't informed -refuse to work with any negotiation -refuse to minimize damage -failed to inform me with any issues so what is their job exactly?
XX/XX/2015 I was notified that my mortgage with XXXX XXXX XXXX was being taken over by Specialized Loan Servicing , LLC. All payments after XXXX would go to SLS.I made 3 payments to them ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). Each time they delayed and harassed me about late payment. I phoned them, spent several hours talking to them trying to resolve this. Kept getting passed around. Now they have cancelled my insurance, yet collected for it in the escrow account. I responded to the first letter. Received another letter ignoring my first letter. Every time I send a letter, I send it return receipt requested so I know they have gotten them. I did not ask to do business with them, I was perfectly happy with XXXX XXXX XXXX. They should operate in an ethical and professional manner and they are not.
I received a debt collection from noticed Credence resource management llC claiming that I owe a debt from XXXX XXXX. I never had account with XXXX XXXX I sent the company listed above a letter of debt Validation on XX/XX/XXXX asking for the following info the amount that they claimed that I owe detailed calculation of rhe balance they say that I owe copies of the signed agreements showing that this account is my obligations copies of judgements if applicable to the account proof of the time statutes of limitation pertaining to the debt PROOF OF COMPANIES LICENSING TO COLLECT debts in my state as well as licensing number and registered agent ANY CREDIT APPLICATION WITH MY SIGNED SIGNATURE ATTACHED VERIFICATION OF ORIGINAL CREDITOR THIS IS TO BE INCLUDED ONLY IN THE LETTER FROM THE COLLECTION AGENCIES
In XX/XX/2018 I sent a certified with return receipt letter to National Credit Systems to Cease and Desist contacting me. I also included a check for the amount of {$490.00} as that is what the ledger states that I owe from the original creditor. I also provided my new address. After a month of not hearing from the company and noticing the check that was sent to them had not been cashed I contacted them directly. They stated that I owed {$4900.00} and that they mailed my check back to me, which I have never gotten back. 

They now continue to call me repeatedly throughout the week and leave voicemails and I will not answer there calls. This is why I am filing the complaint.
Account charge off and closed need to be removed from Equifax. Account XXXX for an amount of {$350.00} without any company name just still showing up on Equifax report.
In XX/XX/2018 I began receiving letters from this company claiming they were collecting a debt for XXXX XXXX. They advised that XXXX sent them paperwork stating a balance was on my account due to XXXX employees falsely reporting a rental car stolen that I rented & failing to close the pre-authorization to collect the balance before falsely reporting the car stolen. XXXX XXXX XXXX XXXX collected approximately XXXX $ via phone & stated it satisfied the debt & they would send the debt verification documentation to me. The company never verified they have authority to collect the debt, sent any debt verification documentation or informed me of a right to dispute before I began demanding documentation in XX/XX/2018 because XXXX claimed they still had a XXXX $ balance despite XXXX XXXX XXXX XXXX stating they collected that debt ( plus hundreds of dollars in excess ). XXXX finally sent a record of the balance owed & it shows that XXXX XXXX XXXX XXXX collected hundreds of dollars more than XXXX alleges is owed. When called to find out what XXXX XXXX XXXX XXXX was doing, the call center reps began to act as complete fraudsters or scam artists by completely fabricating details, threatening to tell the court 's false information/alleging the criminal court 's had contacted them with false court dates/court information in order to intimidate me into paying more money. It should be noted, that XXXX employees fabricated statements to law enforcement in VA & MN in order to frame me for felony arrests by alleging I stole a rental car after the VA employees intentionally falsified information in the corporate database to have me maliciously prosecuted due to negative relationships between the employees & myself. That false report of a crime lead to XXXX XXXX XXXX XXXX contacting me alleging they were collecting the balance the employees intentionally left on the account to frame me for a crime. XXXX XXXX XXXX XXXX rep, XXXX XXXX, stated during the payment processing that the paperwork she has seen/conversations had w/XXXX ( allegedly/possibly, the parent company of XXXX XXXX XXXX XXXX ) shows the employees stole the car & framed me. I agreed to pay the balance of the contract in good faith after learning that the employees at XXXX had intentionally failed to collect payment in order to frame me for a crime. 
XXXX XXXX XXXX XXXX has called repeatedly, in a harassing format, demanding payments yet has refused to provide requested documentation of debt, authority to collect debt etc.
I am filing a complain against Stearns Lender for charging me too much for MIP. I had FHA loan with " Stearns Lender ''. My loan was paid off on XXXX/XXXX/15. Although the MIP was {$900.00}, I was charged for {$1700.00} for " prorated MIP ''. I called Stearns XXXX times to address the issue. Unfortunately with no resolution. 
I kindly appreciate for any help in this matter. 
I am also filing a small claim in court.
I applied for the American Express Gold card with the referral link from my friend, which says I will get XXXX XXXX points after spending {$2000.00} in three month. When I applied for it online, everything seemed fine and the website DID NOT say I will not get the welcome bonus. However, after spending {$2000.00}, I didn't receive any bonus, and I called their representative. The first representative lady told me that I should be able to get that bonus, and let me wait for a month to see if that is the case ; turned out no. Then I called again, the second representative said that she would file a complain for me and let me check after 4 weeks ; no one contacted me since then and after I checked, nothing has happened and my bonus was still declined. It was after several calls and about 2 months that a representative finally submitted a CASE to research for me, and I was just told that my bonus was rejected by the system and there was nothing they can do about it. This is unacceptable that I wasn't informed that I can not get the bonus before I submitted my application. This is fraud.
I have had fraud committed on my checking account back in the month of XXXX from the XXXX to the XXXX were an excess of XXXX dollars was fraudulently used and withdrawn from my checking account at People United Bank. As shown in the documents attached purchases on XX/XX/11 of XXXX dollars twice at XXXX XXXX, then XXXX dollar purchase at XXXX followed by another XXXX purchase and XXXX purchase at XXXX. Then on the XXXX of XXXX a checking withdrawal of XXXX dollars followed by two XXXX dollars transactions at XXXX 's and XXXX XXXX XXXX. The bank never alerted me of these suspicious transactions and I come to see the transactions a couple weeks later alerted by my son because his account was affected too. I called the bank and alerted them about the transactions, they said a claim had been made and to go into a local branch and close the account with fraud and open a new one. On XX/XX/XXXX I went to the one closest to my Job and was helped by a banker named XXXX where she told me a claim had been filed and I would get my money back in 90 days. As the 90 days goes by I never received an affidavit to sign and when I called they said there still working on it until one day I went to a branch and they called the fraud department and they stated I committed the transactions at these places and I was fraud-ed myself. and they not a fault, then they said I clicked on an email all without providing any proof. Then they said they had no claim on file. I am a XXXX XXXX XXXX mother of XXXX who works full time in the public school system it would be pretty hard to fool me to spend XXXX of hard earned money. I was told by an employee working there they never followed proper procedure at the branch I went too for they were supposed to inform me to go file a police report to which I had no knowledge of. I go with my son to go file a police report and my son gets in touch with one of the managers in charge of the region and is told no claim was filed and we have to file another claim. When asked how no claim was filed he couldn't give a valid explanation especially when an employee representing the bank told me twice a claim was filed. I go to branch with my son to file another claim and I ask the branch manager whose also in charge of loss prevention if fraudsters can steal your pin? He replies no that impossible when I know by doing a simple search on XXXX  they can get your pin from the skimmers and data breaches. I filed another this time with an affidavit and have called the bank and have not heard anything back it has been over 5 months now and the bank has grossly been in violation of Regulation E I have never received any provisional credit and the time period allocated has expired for them to investigate this fraud. I feel this bank doesn't want to admit there at fault and is trying to prove my negligent without any proof and the fact there employees messed up there trying to cover up there own mess at expense to the consumer. I have been more than patient during this ordeal and would like to have this resolved.