WillisBack/dataset-financial-user-claim huggingface dataset:
We believe that XXXX is bent on foreclosing our property if not a Shylock type modification will not be proposed. We hereby acknowledge receipt of your proposed modification, however we do not agree with the terms and are therefore not signing it. Reading through the agreement, we concluded that it is a case of once bitten twice shy. The terms thereby are by no means " modification '' as you call it, and do not proffer any solution to our current predicament. You put the interest rate at 4.95 % which was what it should be anyway as this was the interest rate prior to the previous modification. We faxed you a copy of the agreement with XXXX XXXX  to reduce the initial interest rate from 5.9 % to 4.95 % but you claim you did not receive it. Also on your modification, we will pay {$3200.00} for 417 months and at the end of maturity of the loan we will still owe you {$130000.00}, please explain what you mean by that. And what do you want to change the maturity date? We would not have agreed to that anyways as we dont want to pay mortgage into our graves. If you claim to reduce the interest rate why do we still owe you this much. Also how did the principal balance get up to {$520000.00} from {$520000.00} when it was transferred to you? It not does look like your investors are ready to provide any help in anyway. This obliviously seem like another sharp practice and we are not falling into this trap again. We just sent you the rest of the required documents on Monday XX/XX/XXXX, your modification is dated Tuesday XX/XX/2017, this tells us no due diligence was put into this modification agreement. We hereby seek a short sale or deed in lieu if no reasonable modification can be offered. We are tired of all these sharp practices and Shylock decisions and we need our peace. Attached is a copy of the XXXX XXXX  interest rate reduction. So how have you helped us? We were having trouble at 4.95 % that was why we had the modification then. Current home mortgage rate are in the 3 %. 

Thank you!
The company left a voicemail on my wife 's phone threatening to show up to my home or job. When I called they threatened me with garnishment and judgment. This is the first time we have heard from this company. We have not recieved any Initial Demand Letters.
On Monday XX/XX/XXXX XXXX XXXX called me 3 times outside of lawful hours. Two calls at XXXX and one call at XXXX. I have screenshot of the phone calls to prove this. I also have record of them calling me excessively, including four times yesterday on XX/XX/XXXX at one time I answered and told them to stop calling me. I am only one month behind in my payment to them yet they feel it necessary to call me excessively and now they have decided to break the law and call me at XXXX. This is illegal
Equifax Account type- Collection Account Status- Closed Date Opened- XXXX/2014 Payment Status- Unpaid Amount- {$290.00} This is an OLD account that should have fallen off my credit report and it was handled years ago in a dispute. The case was paid by my insurance and verified YEARS AGO. Both XXXX and XXXX are no longer show this on my credit report.
Southwest Credit Systems is reporting a debt that I know nothing of to the credit bureaus which is causing me damages due to the harmful listing. I disputed the account and is certain that they are in violation because the debt was never validated. They 're supposively trying to collect a debt that from XXXX XXXX. I never had XXXX XXXX. I live with my mother and she does n't have XXXX and never did. I will not pay for something I do n't owe. I will do my part to address the mistake and if necessary pursue other means to protect myself and my credit
This company is not legally authorized by my current state of residence to pursue any collection actions against me. According to the NC Secretary of State, this company is not licensed and therefore all collection activities need to end as well as the negative reporting on my credit report. According to NC law, in order for any collection activity to occur against a consumer, the collection agency MUST be licensed in NC. I am attaching an image of the NC Secretary of State search in which is shows this agency is not listed or licensed in the state.
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXXand XXXX XXXX XXXX XXXX onXX/XX/XXXX.
I have just become aware on X/XX/2017 that my personal information may have been impacted by the issues with Equifax. At this point, I do not know if my personal information has been compromised. However, Equifax 's own site says that it could have been. I want to be proactive with this situation and prevent anyone from using my personal information.
I recieved a bill from the collection agency on XXXX-18. After recieving the bill for the amount owed. I responded to the collection agency with a verification of debt letter. Soon after, I recieved another letter from the collection agency asking me to settle the amount for lesser than what is owed. The collection agency has yet to validate the debt, nor have they responded to my request. Due to the fact that the debt is not validated, I request that the CFPB have it removed from my credit report.
NFCU Charged me interest on my card even if I made more than enough payment. I have an outstanding balance transfer which is up to date and purchased something online less than {$15.00}. Before the due date I made a {$350.00} payment and still charged me interest.
I have a credit card from XXXX XXXX. I have requested them to 'auto pay ' my entire statement balance every month so that I do not have to pay interest charges. I first made this request in XX/XX/XXXX. I soon realized that their auto pay department is paying only {$35.00} from my XXXX XXXX XXXX checking account to my credit card. I had another round of discussion with them ( first over email and then over the phone ) on XX/XX/XXXX. I once again asked the 'auto pay ' team to pay my entire statement balance automatically every month. Today ( XX/XX/XXXX ) I again realized that they are paying only {$35.00} every month and charging me interest for the rest.
Neiman Marcus ( NM ) has disabled my log-in access for no explainable reason, my account was not past due or over the credit limit. They : A ) only provided an XXXX # ( which wo n't work for XXXX XXXX ). When I was able get an non XXXX number the account was several days ( 10 ) past due.  They now are trying to charge me an amount equal to the payment as a " past due fee ''. 

B ) NM wants to record the call, but will not let the consumer also record the card. They said they would let my account go 30 days past due unless I complied with one-way recording, meaning they can record me, but I can not record them. If I did n't agree, they would hang up. 

C ) NM 1st attempted to tell me my account was locked due to " my new email or a problem with my cell phone '' and not being able to send a verification pin. I informed them I had received an email at this account just today ( XX/XX/XXXX ) to tell me account was now past due. When I told them neither my cell number or email address were new and that I had held both my email account- and the cell phone number - they have on record since XX/XX/XXXX, they then stated ( admitted ) to me that my account was locked due to a new system they had set up in the past 30 days that was not properly coded/set up to send emails to all email addresses, including a problem with my " XXXX '' account that I have used for the past 10+ years - and that I have had used with this online NM account since it was opened! NM then demanded that I establish a NEW email account with a new email provider and that I manage and monitor this new email account if I wanted to do business with them and not have my account locked, or have my payments be late, which would incur additional late fees.
Hello I have a bill for a cell phone i took out for a friend of mine in 1999 the debt is on my credit report as a civil judgement. I called the collection agency bcs i stalled on paying back bcs like i said i did not feel i should but i know it is my social and my information on the debt. it was originally {$850.00} and that is on my credit report. Now i called them and they want to charge me a daily rate of 4 % on the balance which according to them is {$1800.00} they wont stop the intrest accruing daily or work with me to reduce the debt i want to pay off. 

Can you help me.
According to my research, I have been experiencing a lot of issues concerning the alleged third party debt collector ( Mr Cooper aka NationStar Mortgage, Who I do not currently have a valid contract along with XXXX XXXX XXXX, XXXX. I'm currently in active XXXX  during XX/XX/XXXX to current status until XX/XX/XXXX, I recently receive a foreclosure notice from Foreclosure law firm XXXX XXXX XXXX , XXXX, for XX/XX/XXXX, which I'm currently still in bankruptcy. I would like for the foreclosure law firm to be fully investigated according to Ultra Virus 9-203 and Theft by Deception under 7-105, and violated FDPCA, according Fair Debt Practice Credit Act. violated my equity rights to the property. I recently filed a complaint in XXXX  XXXX XXXX Court to vacate the stay due to bankruptcy status. Based on alleged Mr Cooper aka Nationstar Mortgage. I have also send numbers of debt validation and QWR ( Qualified Written Response and UCC-9-210 PROOF CLAIM ).
I have a Lowe 's credit card for in store purchases. It has a fairly high interest rate but the 5 % off purchases in the store make it worthwhile and I always pay off the balance within the month. I also take advantage of their interest free promotional periods for larger purchases. Sometimes, I balance multiple promotional balances as well as the regular interest bearing balance. I always payoff the promotional balance in the time allowed and within the stated rules to ensure I am not charged interest. During the time I have promotional balances I also ensure that I continue to payoff the regular balance to avoid interest charges on those as well. The website allows for users to choose how payments are allocated. My preference is to have the payments allocated towards regular balances first and promotional balances second. Once the preference is set it is an automated process to distribute the payments to the different balances. Over the years I have found a number of payments allocated in correctly. I reach out to their customer service representatives and they confirm that payments were allocated towards promotional balances first leaving interest bearing regular balances. They also confirm that my preferences are correct in their system and they have no explanation as to why the system has failed. I've learned that I need to double check the automated allocation process. Based on the number of times that this happens and their inability to fix the issue, it appears to me to clearly be a systematic attempt to defraud customers by incorrectly giving them interest bearing balances and charging them the 20 % + interest that comes with the regular balance. My most recent payment to them should have wiped out the regular balance entirely and pay down some of the promotional balance. Upon review of the account I found that there was still a regular balance.
My brother 's activities are showing up in my TransUnion credit report and possibly my activities are showing up in my brother 's credit report. Called to resolve the issue but was not successful.
Around X/X/17 I called Transunion about my Bankruptcy is not reporting correctly as dismissed and not discharged. I asked for a verification based on FCRA and information as to who, date of person call was made to do I could re verify this information as accurate. They have failed to complete requested dispute and verified information as requested within a 30 day time frame. They responded stating information on the Bankruptcy has been updated but it still show as discharged.
In XX/XX/2018, XXXX XXXX address received a bill from a Payroll service ADP for a fraudulent business. The business had the name XXXX XXXX, XXXX XXXX at my address of XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX. I immediately contacted ADP in XXXX of 2018 and told them to close the account ; it was fraudulent and at no time was there ever a business at my residential address of XXXX XXXX XXXX XXXX XXXX, XXXX Pa. It was very difficult to explain to them about the fraud and they gave me to customer service, and eventually their fraud department department. I talked to XXXX, their security person, and she assured me that the fraud business account would be closed after they did their investigation. The FBI agent XXXX XXXX and IRS Agent XXXX were also involved because of fraudulent EIN numbers. Finally in XXXX of 2018 we received a letter from ADP Fraud division that the account was closed. Just one month ago I started receiving letters from a collection agency in Louisiana to pay {$3800.00} for the XXXX XXXX XXXX XXXX company at my residential address. We are being continually harassed by ADP 's collection agency even after we sent them a letter regarding ADP and the online fraud it caused by not identifying a legitimate company. I am approaching XXXX years of age and can not believe the brashness and lack of responsibility of these companies. Thanks for letting me vent and contact me.
I leased a XXXX vehicle for my daughter. My daughter was involved in a crash and the vehicle was " totaled '' out. The crash occurred sometime in XX/XX/XXXX. I went to XXXX and leased her a new vehicle, XX/XX/XXXX. Never hearing anything about my daughter 's first car I thought everything was clear/clean. 
Fast forward to XX/XX/XXXX I received a credit bureau alert that I had a {$1000.00} chargeoff on my account. I went to the website and discovered it was for XXXX XXXX XXXX XXXX. I called XXXX to inquire and was told that the insurance company apparently had a {$1000.00} deductible and that they had sent me a bill in XX/XX/XXXX. I can not imagine that they only sent me one bill however the customer service rep confirmed they sent nothing else or no phone calls to tell me about the issue. I had to move money from one account to another and had the chargeoff paid within a few days. I understand that this is something that I must dispute with my insurance company and definitely would have done had I know there was an issue. I am in the process now of doing this with my insurance company. 
The problem is that now this chargeoff is on my credit reports and it caused a significant drop in my score. So I sent a letter to XXXX XXXX XXXX   respectfully requesting that they consider removing the chargeoff, since I had no idea I owed the {$1000.00} and according to them they only attempted to notify me one time in 7 months despite the fact I have two additional accounts with them. All in good standing. 
I received a letter back from them saying that it will stay on my credit report and that they were accurate. This has been absolutely devastating especially since I will be attempting a home refinance within months.
Well established how opprobriously malignant and MIS-MANAGED these clumsy credit bureaus really are. I went round and round with these derelicts for years and reported this already to you people [ c ] ountless times!!!! I just got a fraud alert from XXXX that is the free XXXX  credit monitoring for XXXX 's sloppy breach 2 years ago. Anyways inept clowns at experian has allowed some malignant collection agency to duplicate the same negative garbage that is ALREADY being reported for the last 2-3 years now?! # Some putrid agency calling themselves second round from XXXX texas self-created a new FRAUDULENT account in my name so it appears as new. THIS is NOT a new account and obviously illegal and punitive. This {$5500.00} is already reporting and now charged off!!! These scumbags think they can be cryptic and blundering probably because they paid inept experian a fee to scam harass and deceive my actual credit report. I told all creditors 3 years ago I was cheated and retaliated against at my last federal job for confronting worthless derelicts, fraud waste abuse still rampant. I did NOT magically ignore my bills. Obviously ran out of money and now live in poverty! I don't care how many conniving collection agencies they send, obviously illegal to self-create a new fraudulent account using a different name using the SAME debt amount?! #
XXXX   XXXX   took my phone when I switched from   XXXX   XXXX   XXXX   as part of promotion. I was owed   XXXX   dollars in credits for paying off my bill at   XXXX   XXXX   XXXX  . My old phones disappeared and  XXXX  refuses to give me the credits. I have spoke with several supervisors and all say they will take care of it. Now they say they ca n't help me and have sent the bill to collections at cbe group. I tried returning the phones immediately because of unhappy about the credits. They told me to hold on the credits will be applied. When they did n't and I called back they told me I was out of the time frame to return the phones. So I was stuck. The store ran my credit 3 times and nobody will resolve it. Now I owe  XXXX  dollars for the phones I was given by  XXXX  because they would n't return the phones
A credit card with capitalone which I had for 13 years was closed due to inactivity without warning. As this affects my credit score based on length of account history I requested that the reopen the card. They claim they can't and have been pushing me into new cards.
I purchased a ring as described as a certified XXXX yellow gold Alexandrite ring on eBay and paid using my PayPal account. After receiving the said merchandise I verified the information with my jeweler and the jeweler informed me that this ring was not XXXX gold and the size of the alexandrite did not match the certification documents. Contactingboth EBay and PayPal they said they could not help me with my claim as they bothclosed my claims without informing me. As noted in the eBay terms of use it clearlystates in their money back guarantee states " If a buyer suspects that an item is counterfeit, and there are strong indicators that the item is counterfeit, we do n't require the buyer to return the item to the seller. The buyer agrees to cooperate with us to ensure the proper disposal of the item. In such instances, we refund the buyer for the full cost of the item and original shipping, and the seller reimburses us for the refund. The buyer may not sell the item on eBay or elsewhere. '' XXXX EBay Money Back Guarantee XXXX. As EBay and PayPal unable to resolve my issue as informed by representatives of XXXX company 's they informed me to file a claim with my bank. It is quite frustrating how EBay does not honor their own money back guarantees.
I filed complaints on TransUnion , LLC, to the Bureau of Consumer Financial Protection, because of the way TransUnion , LLC was handling my files and disputes. Ever since I have notified the Bureau of Consumer Financial Protection, they have placed my credit file in a specialty unit and have blocked my file from all of the other departments within TransUnion , LLC. However, this specialy unit as the representatives refer to it, states they will need to handle my request or concerns when I call, and they always transfers me to this specialty unit. However, I never reach a live person. A lady named XXXX called me back while I was on the phone with someone, and left me a message. However, she never left her last name, therefore, when I went to return the phone call she was not accessible, because you need the persons last name to access their extention. The lady named XXXX, left me a message stating that she is unable to remove my inquiries, which was one of the concerns I had regarding my credit file with TransUnion , LLC. I have disputed all inquires listed on my TransUnion , LLC credit file with each party/company listed, and I even sent a certified letter to TransUnion. However, they have never taken action to resolve this dispute. However, each company said they would remove the inquiry with all three credit bureaus, because they were unable to provide me valid proof baring my signature that I authorized the entry. However, TransUnion , LLC has still refused to remove the inquires with the permission of all the companies. All of the invalid inquires have been removed by the other two credit bureaus except, TransUnion , LLC. 

TransUnion , LLC has also refused to allow me to dispute any other entries on my credit file, because they have blocked my account from viewing by other TransUnion , LLC employees, therefore, I am unable to have access to my credit file to dispute any inaccurate information. I can not reach the TransUnion , LLC specialty department, because each representative that I do speak to states that there is only an extension number that they can send my call to, and then when you get transferred you end up getting a voice machine, where you have to leave a message, and hope that someone calls you back.