WillisBack/dataset-financial-user-claim huggingface dataset:
I had a credit account with Sterling Jewelers d/b/a Kay Jewelers. Per XX/XX/XXXX Oregon Revised Statute 166.090 sub paragraph 1 ( 1 ) A telephone caller commits the crime of telephonic harassment if the caller intentionally harasses or annoys another person : ( a ) By causing the telephone of the other person to ring, such caller having no communicative purpose ; ( b ) By causing such other person 's telephone to ring, knowing that the caller has been forbidden from so doing by a person exercising lawful authority over the receiving telephone ; or ( c ) By sending to, or leaving at, the other person 's telephone a text message, voice mail or any other message, knowing that the caller has been forbidden from so doing by a person exercising lawful authority over the receiving telephone. 
( 2 ) Telephonic harassment is a Class B misdemeanor. 
( 3 ) It is an affirmative defense to a charge of violating subsection ( 1 ) of this section that the caller is a debt collector, as defined in ORS 646.639 ( Unlawful collection practices ), who engaged in the conduct proscribed by subsection ( 1 ) of this section while attempting to collect a debt. The affirmative defense created by this subsection does not apply if the debt collector committed the unlawful collection practice described in ORS 646.639 ( Unlawful collection practices ) ( 2 ) ( a ) while engaged in the conduct proscribed by subsection ( 1 ) of this section. [ 1987 c.806 2 ; 1999 c.115 1 ; 2005 c.752 1 ] Between the period of XX/XX/XXXX to XX/XX/XXXX I received over 100 calls from various area codes ranging from Ohio to Hawaii between the hours of XXXX PST to XXXX PST with recorded messages saying please call your jeweler or please call Kay jewelers. There were as many as 6 calls in one day without any messages or with hang ups. On XX/XX/XXXX I called Kay Jewelers asking for their legal departments information and was denied that information. I advised the representative that I felt that I was being bullied by the insane number of spoofed calls and that I wanted to complain. I also told the phone rep that I was going to file a complaint through my attorney generals office as well as the Department of Defense so that military personnel will be warned about Kay 's collection practices. The rep gave me Kay 's corporate address which was the billing address and at that point i ended the call. For the remainder of that day Kay tried to call me and backtrack on my account by saying that i was not in collections. The last person that I spoke to I advised them that I had nothing more to say and I hung up. I then received a series of robocalls with no background sound. 2 days later I received a letter from Kay Jewelers saying that my account has been closed.
Bank of America called my place of employment and left a message with a coworker for me to call the number on the back of my card. The perception that I was past due was clearly communicated with my coworker. I called Bank of America on XXXX/XXXX/16 and was told that this was not their standard procedure, but after they reviewed the recording and verified the conversation and they did tell my coworkers to call the number on the back of my card, they called me on XXXX/XXXX/16 and said they found no issue with their employee telling my coworkers to call the number on the back of my card. I feel the perception that I owed them money with this message is a problem and leaving a number to call me back on would have been a better alternative. I do believe they have committed a UDAP and I would like their policy changed to protect other consumers.
On  XXXX / XXXX / 2017  I went to a  CitiBank  Branch at  XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX . I attempted to deposit cash into my checking account via the ATM. I made the first transaction a deposit of {$600.00}, I then deposited an additional {$180.00} into the same ATM  (  ATM #  XXXX  ). Instead of the ATM depositing the money into my account, the machine gave me a receipt stating " I 'm sorry, Because of technical problems, I ca n't return your cash right now. '' I immediately went inside of the bank and spoke directly to the ban k manager telling her what had happened and asking for her help to get the machine to eject the money back out. The manager sa id that she could do nothing and the machine would be locked until that Friday. The manager had me call a  XXXX  number on the back of my ATM card. with the receipt information. I called that number shortly after and was told that they are opening a case file and that I should call back the next day. The back manager also wrote the missing transaction amount on the receipt of {$180.00}.     I called back the next day and was told that it could take a few more days, each call back since  XXXX / XXXX / 2017  I have been given the same run around. Today when I called in I was told that the investigation would take another 30 days at least and to watch my email for the results. I have called in many times, and never get results. I feel that the companies plan is simply to make me wait until I give up, or I loose me legal options. For me the loss of {$180.00} is a lot, that is a bill or  XXXX  that can not be paid, or food that I can not buy. I really need help getting this resolved quickly.
I am filing this complaint due to the frustration XXXX XXXX and myself had in getting a payoff for our mortgage. 

XXXX XXXX XXXX XXXX XXXX called Selene Financial on XX/XX/XXXX, requesting the payoff amount for our mortgage loan. They were told that the information was unavailable due to the fact that they had only started servicing the loan on XX/XX/XXXX but the information would be available on Monday, XX/XX/XXXX. However, when XXXX XXXX called on Monday they were told that the information was still unavailable but they were attempting to get it by later that day. Every day that week, several times a day, XXXX XXXX called for the information only to told that the information was still unavailable but Selene would call with the information later that day or the next day depending upon the time that XXXX XXXX call. 

On XX/XX/XXXX, I called Selene and was told that information was unable due to the transfer of servicing the loan. They were aware of the problem and they were working on it and would supply XXXX XXXX the information as soon as they had it. For every question I asked, I was repeatedly told they were working on it. It was like they were working from a script and would not deviate from their specific verbiage. On that same day, I called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, to ask for any assistance they could give me so Selene would get the payoff information to XXXX XXXX. I was told that the matter had been escalated by Selene and they would do the same. 

On XX/XX/XXXX XXXX XXXX again call and were told the same thing, they could not access the information. That afternoon, XXXX XXXX told Selene that they were ready to report them to an agency who handles complaints regarding matters such as these. Within 5 minutes, Selene called XXXX XXXX with the needed information. 

With computers, even with the transfer of the mortgage from one company to another, it should not have taken this long to get the information. 

I feel that XXXX XXXX and myself were given the run around from Selene during this time and they were not trying to get the information we needed in a timely manner.
Account Name/ Number ~XXXX/XXXX XXXX  XXXX ~XXXX XXXX- XXXX The above account are being reported as late and I've never been late and i have XXXX XXXX XXXX. Your company continue to report these negative items on my credit profile which is inaccurate information. I've sent several letter on behalf of this matter and you continue to report this inaccurate information thats 's damaging my credit profile.
Chase has improperly withdrawn money from my XXXX checking account for payment to a Chase credit card that I share with my mom but have n't used in over 3 years. 
We both have an online Chase account. She made a payment to the joint credit card from her online account. She nor I have ever verified my XXXX checking account on her online Chase account. I have verified it to XX/XX/XXXX payments to my other Chase credit cards. I believe they have a bug in their system that is authorizing her to withdrawn money from my XXXX account by allowing her access since I have already verified it on my online Chase account. 
Chase will not fix the issue. 
My mom is not computer savvy. She would not be able to confirm the two small deposits into my XXXX account to verified it online. She does not have access to any of my XXXX checks. She has her own money and has never called Chase to access the XXXX account. Chase will not further research this issue. I believe this must be an ongoing issue where Chase is withdrawing unauthorized funds from external bank accounts.
My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.
I have two student loans, [ one with FedLoan Servicing : {$170000.00} & one originally from XXXX, transferred to FedLoan Servicing : & & XXXX ]. I am paying {$1100.00} on the larger loan & {$170.00} on the smaller one. I have been paying for over two years on the smaller loan, which means it should have been paid off a while ago ; however, when I contacted FedLoan Servicing, I was told that only {$8.00} was being applied to that loan and the rest of my monthly was being applied to the larger loan. Can they do this? They also told me they would lower my monthly payment to {$12.00} instead of {$170.00}, which they have not done! I would like this loan to be marked : PAID IN FULL since I have paid OVER {$4000.00} on this loan. What can I do?
Calling repeatadly, without leaving voicemail, calling my work after I asked to stop.
There are some mortgage companies that pulled my credit with out my permission and it want all of them off my credit report i did not give permission to have my credit pulled i am working with one lender and now it did not though casue of all of this other being pulled it is not right i wan this fixed as soon as possible
To Whom It May Concern, On XX/XX/XXXX around noon, my wife and I called Transunion. When we tried signing me up for credit monitoring there was a problem verifying my identity. The representative informed us of a website we can visit so we can get my credit report and we can go from there verifying my identity. We waited until XXXX to do so and forgot that website. 
My wife called Transunion to obtain that website on Thursday, XX/XX/XXXX at XXXX XXXX  CT. She explained the situation above to the representative she spoke to, her name was XXXX , she did not seem to understand what my wife was talking about. So, the representative proceeded to tell my wife that I can sign up for a transcription online. She explained the situation to her again and told her that all she wanted is that website address. The representative then proceeded to ask my wife for my social security, which my wife did not provide and asked her why she wanted that. The representative wanted to check if I have an account with them. My wife said that I didnt have one. My wife provided my name to the representative who proceeded to look me up in the system and obviously coming out empty handed. I DID NOT authorize them to give out my information to anyone and the representative was willing to give out information about me. 
My wife called back immediately at XXXX XXXX CT to talk to a supervisor and spoke with XXXX XXXX Consumer Relation Department. She asked for his employee ID, he told her that was confidential. She explained her concern for the release of confidential information based on the conversation with the representative and told him if it was that easy to get the representative to provide information about me she is worried anyone can just call and obtain information about anyone. He did not ask my wife who she spoke to and proceeded to defend the employee and claim she did not do anything wrong. He then offered to give my wife the number to the online department so that we can get an online subscription. 
I am very concerned about the confidentiality of my information! 
I have provided dates and times because Transunion claims to record all calls.
There is a collection account on my credit report with XXXX balance from XXXX XXXX XXXX as of XXXX/XXXX/13.
On XXXX XXXX, 2015 we went into the Chase Bank branch in XXXX XXXX, CA to open an account for our new business. Initially after meeting with the banker at the branch we were given account materials, debit cards, etc ( Act # XXXX ). Apparently, after whatever internal review, the next day, Chase decided that they " no longer wanted to do business '' with us. That is understandable, and acceptable, and that of course is their right. However, what we are quite concerned about is that the bank was willing to provide us with a notice of adverse action. In addition, we received a letter dated XXXX, XXXX, 2015, that suggested that we would be subject to " negative credit reporting '' due to transactions/our relationship with the bank. In this situation, it seems that there in essence was not a relationship with the bank, but rather a " no harm, no fowl '' type of situation. It was our understanding that the account was closed. Upon further review it apparently is not. We then went to the branch on XXXX/XXXX/2015 and demanded that our account with them be closed immediately, and any reporting state that the account is closed by us. We do not wish for the account to remain open, and do not wish to wait for Chase 's internal system dictating to us when the account will close. This is a DDA, and therefore we have the right to ask that it is immediately closed. 

In addition, we are asking for insurance that since there were not any negative/fraudulent activity on the account, that any negative reporting not take place
Experian is reporting incorrectly a payment amount on my XXXX XXXX XXXX XXXX  XXXX. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$25.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.
My loan was recently sold from XXXX to Dovenmuehle. In this transfer my first statement from Dovenmuehle states that I owe {$260.00} for a property inspection fee on XX/XX/2018. My loan was transferred on XX/XX/2018 and there has been no property inspection, nor should there have been due to the RESPA protection. Dovenmuehle repeatedly indicates that it was from the previous provider XXXX. In no statements or documents from XXXX is that fee listed anywhere. Dovenmuehle will not remove this fee and they keep insisting it is from past mortgage providers even though there is no record of this. I have asked them repeatedly to remove it and they will not.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$12000.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Navient claims that they had called me several times. After calling my parents who gave them the correct number to call they then began to call anyone who seemed to be related to me. Then today after I 've told them before not to call me at work, they did. I can get fired for handling personal calls at work. The man I spoke to was rude and threading. While the company is opened until XXXX they told me I had only until XXXX to speak to him. After multiple times of repeating myself, I 'm now reporting them because I 'm sure they are doing this to others as well. My other problem is that this man says his name and then straight up asks for my social security number. With this day in age, how do I know who they are. I 'm not going to assume that they are who they say they are just because. Navient has also threatened action on my father. On multiple occasions I 've tried to work with them but they are nothing but awful and mean.
RE : Credit Discrimination Complaint. 
RE : Prime Lending co XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH XXXX Date : XXXX. 
How are you? This is a written consumer complaint of Credit Discrimination against Prime Lending Corp.office in XXXX OH.. 
Former XXXX. XXXX is an XXXX XXXX veteran of th XXXX XXXX XXXX. He applied for a small VA backed loan ( {$8800.00} for a property in th XXXX ohio area ). A fixer-upper. This property listed for {$11000.00} but Veteran has {$2200.00} downpayment. 
XXXXThe Veteran also has VERY stable income of over {$1200.00} from a Federal Agency ( XXXX XXXX XXXX ) AND *Over {$16000.00} in checking account. 
*Prime Lending Rep would not even allow this Veteran a Loan Application? Just turned down loan application request based on a PreQualification?? 
XXXX XXXX XXXX Veteran had over {$2200.00} to put down on closing costs downpayment etc ; but was not given application by PrimeLending rep because of a " debt that has a zero payments due balance '' .... attached to it by the XXXX XXXX XXXX XXXX. 
I repeat ... .A ZERO balance due on a student loan thats in Forbearance..

*PrimeLending rep at XXXX office ignored Veterans ability to make minuscule ( tiny ) payments of property located at XXXX XXXX XXXX # XXXX XXXX OH XXXX. 
*Even though th Veteran made several requests after requests, the PrimeLending rep still '' refused '' to submit a letter ( in-writting ) stating th reason for Loan Application Denial. 
XXXX ( {$57.00} monthly premium was VERY manageable ) and PrimeLending reps did not base their decision to " Not Allow Loan Application '' on th Veterans income of over {$1200.00} per month AND over {$16000.00} in checking account savings th Veteran has. 
*PrimeLending rep stated '' ... THATS ALL WE LOAN IS {$40000.00} and up ... '' Now where did that come from? Discriminatory? 
*The Veteran had NEVER in his life heard of a Lender placing a " Certain Amount '' on a Loan OR a minimum amount to borrow? Either {$40000.00} or nothing? This is what XXXX XXXX of PrimeLending emailed to Veteran on XXXX XXXX " .... {$40000.00} LOANS AND UP ONLY .... '' * {$40000.00} and up only? But yet PrimeLending rep works with a XXXX XXXX agent whom has over THIRTY HOMES listed for under {$30000.00} ... .yet he tells the Veteran {$40000.00} or nothing .... '' *PLEASE speak with PrimeLending office in XXXX Ohio and request that they " Discontinue '' with illegal practices.
On XXXX XXXX, 2016 I recieved a notice on my credit report that the Debt Collection Company Williams & Fudge Inc. had posted a collection account on my credit report. I was never notified by phone or mail that I had a collection account with Williams & Fudge Inc. as required by law. Because I was n't notified about this collections account I did not have the opportunity to resolve or verify the accuracy of the account to respond on whether the account belongs to me or not.
I was looking to open a new bank account so I could save for specific things in different accounts. I XXXX good banks with promotional offers now, because I figured if I was going to open a new account I might as well get extra money to kick start my saving! I found two reputable banks with good promotional offers that I could meet the requirements. One of these was PNC. They offered a {$400.00} bonus for opening a checking account and making direct deposits plus paying a bill online. It sounded good, but I wanted to check that I met requirements so I called a rep who assured me I did, and to apply through the link. I met the requirements within 60 days and even did a web chat with a representative to check I met the requirements. When I still did n't get the bonus I called and they said they had no record of this offer on my account and to take a printed copy of the offer to the bank in person. I did this and the manager of the branch submitted an escalation request because she confirmed I had the offer in-hand and met the requirements. The escalation was denied, because they said this was for existing PNC customers, and this was my first PNC account. I can understand this ; however, what I can not understand is that I called/web chatted/went in person not one, but 3 different times to ensure that I 1 ) met requirements prior to opening account 2 ) met the direct deposit and bill pay requirements after account was opened and requirements met 3 ) took offer into the bank who again confirmed I met the requirements and met the offer and read through offer multiple times. If 3 of your staff members assured me that I met all requirements, then I do n't understand how you ca n't honor the bonus payment. Also, I recommend you retrain staff on requirements.
I consolidated all of my student loans to XXXX XX/XX/2015. Several months later, I noticed while checking my credit report that I had a 60 day late payment on a student loan through XXXX / Navient. I contacted XXXX to notify them that I had never received any communication stating that I owed a payment and that my loan had been consolidated with another lender. They acknowledged the consolidation but refused to remove the late payment from my XXXX credit bureau reports. The credit reports clearly show that there is no data from the month of the late payment, XX/XX/2015, forward. I am requesting that this late payment be removed form all XXXX credit reporting agencies as I had no knowledge of owing any remaining balance.
In XXXX of 2016, I moved out of an area that XXXX services. In XXXX, I received my final bill and I called in and made my last payment, I even asked the lady on the phone if that was it and she informed me that it was. Here we are, over 2 years later, and this company adds itself to my credit report without sending me ANY information. 

Very slimy actions, to be honest. 

Please send me verification of debt and remove yourself from my credit report before you're sued.
I have a fixed-rate VA loan serviced by Nationstar Mortgage ( XXXX XXXX XXXX XXXX ). I closed on the property XXXX with advisement that my payments, including mortgage and taxes, would be approximately XXXX per month ( per the HUD Statement ). 
Per the FORM XXXX - XXXX Fixed Rate Note - my mortgage payments from the inception to XXXX 2016 has been {$1800.00} per month. 
On XXXX XXXX XXXX, I receive an payment change from Nationstar advising that my monthly mortgage payment would increase as of XXXX XXXX from {$1800.00} to {$3800.00} - an increase of {$1900.00} - due to a " shortfall ''. 
We have a legal agreement with Nationstar via the Form XXXX ; and for them to suddenly increase monthly mortgage in this manner/to this amount is a violation of the consumer protection laws.
they said they would give you a loan modification I 'm making the payments already loan modification but I have no signed contract I do not get monthly statements they tried to raise my mortgage rate by XXXX a month they have committed many many infractions according to the law I have read the law it is not hard to find numerous infractions no monthly statement trying to foreclose on my house this is all illegal