WillisBack/dataset-financial-user-claim huggingface dataset:
Telephone calls received from Hunter Warfield for the past 11 months. Have not ever answered the calls -- can not provide details of reason for calls. 
Suspect that reason for call is a medical debt that my son 's wife owes. I have no debts and I owe no debts. 
Calls come from phone numbers XXXX XXXX XXXX, caller id is Hunter Warfield and XXXX XXXX XXXX, caller id is Toll Free
My debit credit card has been declined at drug stores on multiple occasions over the past 4 - 5 years.The attempted purchases were by my Wife who is buying her medications to treat her XXXX XXXX.She travels 4 hours by car to get the Best prices on her many Meds that she takes..I have complained to this Bank of America several times which has not been successful. My next step after you will be civil litigation with puntative damages to be accessed in time.Bank of America is a Disgrace to all who can not get their lifesaving Meds with their debit card and has had to use Cash for the past 4 years.I demand a federal investigation by the DOJ and this will be forthcoming.
I am attaching the Judge 's ORDER in this case. The Bank of America still has the account active. I spoke to someone on XXXX XXXX in collection and she said the Bank would honor the Cease and Desist letter. However, until the account is closed, this will never end. 
I believe they are waiting until the XXXX Bankruptcy ending date, then try to come after me again. 
The Order from the Judge said all remaining issues are denied moot. That goes for them, too.
My father took out a store credit card in his name at XXXX XXXX XXXX XXXX ( XXXX XXXX - Capital One ) in XX/XX/XXXX. To allow me to run to the store and make purchases on his behalf for his home project, he added my name to the card without my knowledge. By adding my name, he did not believe this would impact my credit, as I ( XXXX XXXX ) was not present and did not authorized such transaction. He was only asked what my name was, thus, having no reason to believe that my credit would be impacted. Neither him or I had agreed that I would be somehow financially responsible or have any obligations to balances or payments on his behalf. 

I was not present or did not authorize consent for the use of my credit. My credit score, per the three credit bureau 's, was negatively impacted by the opening of the card, holding a high balance on the card ( which had been paid in full ), and the closing of the credit card. It dropped roughly 20 points. 

This is particularly concerning, especially as I became aware of this credit card after I was alerted via my XXXX XXXX and XXXX accounts. I don't know how any company can assume that I would consent to having my credit being used without my knowledge or understanding that my name was being included on the card in the first place from a party other than myself. My father tried to resolve the issue by speaking to Capital One and XXXX, but was told that it was in the fine print and that he should have been aware of a new credit policy change on the matter. Not only is this misleading, but proves to show that there is no safe guarding of an individuals financial record. What is to stop someone from adding your name onto their account without your prior knowledge. Even worse, what if they then proceed to not make payments on that card and you find out later that your credit score suddenly had dropped out of no where. What if you didn't monitor your credit as closely as I have and found out when trying to buy a house that this was preventing you from qualifying for a better interest rate? Why should you, a person who did not consent, authorize, or have prior knowledge of this credit, have your financial well-being negatively impacted? I would hope common sense would prevail here. 

Therefore, I ask that you to please remove all instances of this credit card ( opening, balances carried, and closing ) off of my credit report. I spoke with my father and he has provided me the card number and their contact information, which I have listed below. It my understanding that all balances were paid on time and that is not the concern of I am writing to you today. However, I am questing whether these credit practices that these companies employ, such as XXXX and Capital One, are ethical or practical in the sense of their duty to safe guard and protect consumers ' financial well-being and record. 

Capital One Card Number : XXXX XXXX XXXX XXXX Tel : XXXX My personal and contact information is as follows : XXXX XXXX XXXX SSN # XXXX Tel : ( XXXX ) XXXX email : XXXX My father 's contact information is listed below. Feel free to reach out to him as well : XXXX XXXX XXXX Tel : ( XXXX ) XXXX Email : XXXX XXXX
In XX/XX/XXXX we were forced to file for chapter XXXX bankruptcy to avoid foreclosure. We were found eligible and began making payments towards our 5 year plan on all our debts in XX/XX/XXXX. On XX/XX/XXXX we were granted a discharge for successfully completing our payments. But come XX/XX/XXXX our mortgage servicer claimed that we were still in arrears and now to this date we owe them {$25000.00} even after the bankruptcy was discharged. Our bankruptcy lawyer at the time was in constant communication with the servicers lawyers and on a few occasions they said we had fallen behind but when we presented bank payment documents stating that we had n't owed them any monies they would we assumed take the documents as valid and never got back saying we were wrong. We were unclear on why they waited so long to come after us for any past arrears at the very start when they noticed we had allegedly owed them money supposedly since XX/XX/XXXX when oddly enough is when the new servicer Select Portfolio boarded the loan our original servicer was XXXX XXXX XXXX. Nonetheless after thinking we were in the clear but were n't in order not to go through foreclosure again we applied for a loan modification/deferral but were only approved by the investors of Select Portfolio for a 12 month repayment plan of {$3600.00} and our mortgage is {$1500.00} and we do n't see how we can afford to make these payments without ever falling behind again on all of our bills.
I have already filed a complaint XXXX time and I 'm about to do it again. First off I have filed bankruptcy so no one should be trying to take payments out of my account since I put a stop to all Auto Drafts just looked and a payment had try to be taken from my account on the XXXX of XXXX and the XXXX. As I stated I would have it paid in full and caught up by the end of the month. Then when I filed the first complaint they just decided nor to respond to it which they are required too do so. I already know I have NSF charges on my account but I can clear all that up. It 's not right how these companies feel they can do what they want to when they want to. Do n't want to be bothered or harassed I will make sure all is done that needs to be done.
XXXX, Equifax and XXXX are continuing to report incorrect information on my credit report. 

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account.

I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived
I have made more 3 types with XXXX, XXXX, and Trans Union to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, XXXX XXXX
XX/XX/2017 I lost my job. 

I sent over 15 copies of required and requested forms by Navient by fax and US Postsl mail and they provided no assistance. 

They with held information on available forebearance options as a means to put my account on hold so they could damage my credit history. 

I have since lost over 100 points on my credit which will impact my job search.
The main problem I am having is with coinbase. When I first made coinbase back in XXXX, I chose coinbase over other platforms because it didn't require SSN which I don't have since I am an XXXX XXXX in the United States. Ever since XXXX, I spent about 700 $ ( including transaction fees ) on purchasing litecoin on coinbase. However, recently when I tried to log into coinbase, they locked my account saying that they needed " additional customer information '' and asked me to type in my SSN ( which I don't have ). Therefore, I'm currently unable to access my coinbase wallet, even though I wanted to pull out all my litecoins. I didn't gain any profit from my purchase so I just wanted to pull out at a safe point where I only lost about 50 , but due to coinbase locking my account, I'm no longer able to do anything but sit and watch my investment diminish.
Ally/ National are calling me 4 times or more a day even on Sunday and Saturday from the moment I am 1 day behind and continue even after i make a payment.
I asked wells fargo to reduce my monthly payment they refused my wife passed away and I want to keep my home.
I called to speak with some one at Transunions yesterday. I informed them that I have been a victim of their inquiry  problem. I am not responsible for the inquiries that are showing on my report, and I would like them removed immediately.
According to the FCRA I was suppose to receive notifications of an account been added back to my credit report after it has been deleted. I have serval accounts with XXXX XXXX that was deleted and I was not notified of the reinsertion on my credit report which is against the law.
I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on XXXX that has the same amount supplied to the three credit reporting agency.
I was in XXXX and was looking to purchase a phone. I showed the merchant the phone i was interestednin-merchant requested my passport a crerit card. He went into the back and when mercant returned he said the display phone wws last one. I asked for the box, merchant said it did not have one. I took battery out of phone and saw imei number scratched off. I told merchant i was not interested. I asked that he reverse the charge he made on my credit card. Merchant refused. I called credit card company while still in the store and was told to just leave abd dispute when i returned to us. I submitted dispute to citibank who reversed charge. Approx two months later the charge was reinstated. I again submitted a copy of a phone i did purchase at diff store one hour later that included phone number and description of phone, imei no, return policy etc. Citibank responded that merchant submitted receipt, yet as i told them merchant ran my credit card prior to telling me the phone was not new and likely stolen. I told citibank that merchant did not provide me with receipt that included phone number, type of phone, and my name which was registered with phone number. This is required wheb purchasing a phone ib a different country. I stated to citibank all they beed tondonis ask for phone number and proof that phone was registered under my name or fimply call number to see if i answered. Citibank has refused. This has been going on since XX/XX/2015. i returned to the XXXX to speak rith merchant. The store no longer exists. I submitted pictures and a signed affadavit from the manager of the hotel i was staying at. Citibank dismissed my proofs. I told citibank that it was illegal to purchase stolen merchandise with citibank credit card. Despite all of this, citibank has permanently reinstated charge to my account and reported it to XXXX credit reporting agencies. Bc I wasnone of the individuals whose fbi background check iinformation was stolen from the us office of public management, I reached out to them. They topd me i should retain an attorney. I canbot afford an attorney, nor will i pay for something i did not receive simply bc citibank XXXXtinues to threaten me with delinquency. The fact that merchant 's store webt out of business, it is unclear how thry are verifying merchants account of this purchase that nuver happened.
In XXXX of XXXX, my wife and I were shopping for mortgages. We spoke with Quicken and a variety of other companies and decided to go with XXXX Bank, a company that has been great. We never gave Quicken the authorization to pull our credit, either verbally or otherwise. Still, a pull appears on our credit report. I wrote to the XXXX credit bureaus to have it removed. All three refused. I called Quicken earlier in XXXX, and they now say that they can not find the pull. As such, they are unable to remove it. They told me to contact the credit bureaus, as well as XXXX. The numbers they gave me, however, do not work. 

I have attached both mine and my wife 's credit reports from XXXX XXXX as well as the letter I sent to the credit reporting agencies last year. You 'll note that my score is much higher ( not sure why ), and the Quicken pull appears in XXXX. 

Long story short, they have no record of it = why is it there?
I was offered a Loan Modification Trial Period Plan by my mortgage company, Ditech Financial, XXXX on XXXX XXXX, 2016. Based on the offer, I had to make XXXX consecutive payments of {$1400.00}, beginning XXXX XXXX, 2016. I have consistently made each monthly payment on time beginning XXXX XXXX, 2016, and I still have not received the Modification Package. Each month with my payment, I have made a written request for information about my loan such as are other options available, is the taxes and insurance included in my payment, who is the owner of my loan, etc. I have reported an error with my account. As of the writing of this complaint, I am yet to receive answers from Ditech to my questions., nor do I have the Modification. In fact, just today, I received a call from XXXX of the persons I 've been calling only to say she is in training and still trying to find out whats going on. Please help.
Some one used my name and social security number yo open up a light bill at an address I never lived at
I have a complaint issue over my Public record it is not accurate. The bankruptcy is listed wrong error please delete 609 FRCA and 611. I have addresses that are not mines or possibly belong to family member. please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Best Buy Card has not provided enough information about a debt I owe and says it will " charge off '' the account. I already closed this account with no other issues.
My mortgage lender Caliber Home Loans sent me a letter stating that I need to contact them to opt out of communications that involve them sharing my private info with their affiliates. Their letter was confusing and stated that I could send an email to XXXXXXXXXXXX to opt out. I sent an email with that request but it bounced back with the following errorDelivery has failed to these recipients or groups : XXXXXXXXXXXX ( XXXXXXXXXXXX ) Your message ca n't be delivered because delivery to this address is restricted. 
For more information about this issue see DSN code XXXX in XXXX. 


They appear to be making it very hard to opt out for a consumer. There is no link on their website to do this via a profile setting ; you must send an email to an address that does n't accept emails. 

XXXX XXXX
I paid off the rest of my student loan and then went to cancel my auto debit payments, got an email on XX/XX/XXXX that the auto debit was cancelled, the terms of the autodebit with nelnet state cancellation requests will be honored 3 business days before the payment date, but then on XX/XX/XXXX, they still auto debited my account {$300.00} and are saying a refund will take 4 to 6 weeks since it's a Dept of Ed loan and the payment went to the Dept of Treasury.
Lvnv Funding LLC has put the amount of {$260.00} on my XXXX credit report as a debt owed to a XXXX XXXX card in my name opened in 2011. I disputed it with XXXX and the attached is what i got as a result. I contacted LVNV and they told me to file here and mail this dispute to them notarized. I have not had a XXXX XXXX card until about 3 months ago and have no recollection at all of this debt from 2011. I need this to be taken off my XXXX report as debt owed as I do not owe this amount and it is affecting my credit score.
I sent Experian several police reports as well as a legal settlement agreement between myself and   XXXX   XXXX   stating that all  XXXX  accounts must be removed from my credit file. The information was removed and now it has been re-reported/re-inserted. Additionally, there are more fraudulent inquiries on my credit report when Experian knows someone is using my information.
I applied for an XXXX XXXX account with XXXX XXXX in late XXXX. At some point, without my knowledge or consent, I was signed up by Synchrony into a Card Security service, which charged my account a percentage of the balance due each month as a fee on top of other balance owed. 

I discovered that I had been enrolled into this service in XX/XX/XXXX. The charge had been applied on all card statements available to me going back as far as statements were available online ( only going back one year for Synchrony, for some reason ). On XX/XX/XXXX I called the Syncrhony customer service line to dispute Card Security fees that I was signed up for without my authorization. The representative I spoke with told me that I would be opted out of Card Security moving forward and that I would be refunded all charges related to Card Security as I had not authorized that service be applied to my account. 

A month later those charges have not been refunded from my account.
XX/XX/2018 I HAVE TRIED TO CALL EXPERIAN ON SEVERAL ATTEMPTS AND WROTE LETTERS TO THE COMPANY FOR THE LAST THREE MONTHS STATING THERE NOT SUPPOSE TO PUT MY BANKRUPTCY ON MY CREDIT REPORT THIS IS THE ONLY AGENCY THAT FAILED TO COMPLY, SEND THEM BANKRUPTCY LETTER THAT THE COURT HAS PROVIDED ME STATING THEY DO NOT REPORT TO CREDIT BUREAUS XXXX AND XXXX DOES NOT HAVE IT ON MY REPORT BUT EXPERIAN HAS GAVE THEM THE DOCUMENT STATING IT DOES NOT GO ON THERE STILL NO RESULTS ON ANSWER FOR EXPERIAN CREDIT BUREAU.
I viewed my credit report with Equifax online on XX/XX/XXXX, report # XXXX. I found incorrect information involving inquiries by an unknown co. ( XXXX XXXX ( this one affects my credit score ) and XXXX XXXX XXXX dated XX/XX/XXXX ) also incorrect town of residence ( it says it was reported in XX/XX/XXXXthat I lived in XXXX Pa XXXX ( I'v lived at my present address in XXXX, Pa since XXXX ) and an inquiry by XXXX XXXX XXXX XX/XX/XXXX . I'v never applied to XXXX XXXX for Ins. as far as I can remember. Equifax only lets you file a dispute if your accts. or creditor info is wrong. They do not give you an opportunity to correct the information that I listed above. Nineteen yrs at the same address is important I think for any possible creditors to see and my credit info does not show that. The inquiry from XXXX XXXX on XX/XX/XXXX was a hard inquiry which means it affects my credit score, and an inquiry by XXXX XXXX while not affecting my credit score, is at the bottom of a long list of insurance companies that I was trying to find a better rate with. I did not go to XXXX XXXX because my car was too old by that time to qualify for their new car replacement option. Equifax does not give the opportunity to remove or dispute any of this type of information.
I was told that my credit was not ran and that they used my sisters information only to get a loan for a vehicle. I was lied too and on XX/XX/2019 my credit was ran and on XX/XX/2019 credit was ran twice by 2 different banks.
I started the modification request process on XX/XX/XXXX. After months and months of delays by Shellpoint ( including no response, repeated requests for same documents and etc. ), I finally received verbal and written confirmation ( see letter dated XX/XX/XXXX ) that the file was complete and was being submitted to underwriting. I then received the letter dated XX/XX/XXXX stating it had been denied because I haven't provided the documents requested!!! I called and wrote a complaint to them asking how it was possible that after finally acknowledging that it was complete on XX/XX/XXXX, could they send me a denial on XX/XX/XXXX based on incomplete information. They said they would respond within XXXX days. When I didn't hear back from them within XXXX days, I followed up. I then received a letter stating they would respond to THAT within XXXX days. I then called them and they said because so much time had elapsed, I'd have to start the process over!!! I explained to the representative and then to the the XXXX that I was waiting for a response as to how they could possibly decline for being incomplete when they acknowledged that it WAS complete. They said they would escalate to management and get back to me. That was several weeks ago and I haven't heard back from anyone! Now the XXXX XXXX sale is scheduled for XX/XX/XXXX and my family and I risk being evicted. PLEASE help me in getting them to respond to my modification request. I want to work out a payment schedule and try to save my home. 

I have attached the pertinent documents but certainly can provide anything else you XXXX need.
On XX/XX/XXXX, I made a one time payment of {$240.00} to XXXX XXXX as a XXXX gift to my sister. This was a car payment for her, which was due on XX/XX/XXXX. As I mentioned, this was intended as a one time only payment. I have since signed back into the XXXX XXXX  website, and discovered that my banking information was retained on the website. This enables anyone, at any time to sign into the account and use my finacial/banking information for additional payment. Ii is unclear to me whether or not this information of mine can be assimilated to other accounts for access to my checking account. I have made multiple inquires to XXXX XXXX  to have this information removed. They stated the payment was done by a third party service, XXXX, offered by XXXX XXXX. They also stated they are unable to remove my information from their website and that only XXXX/XXXX  XXXX can do so. I frankly find it difficult to believe a company can not remove information from their own website. The payment was entered on the date indicated above. It was posted to XXXX XXXX  's website immediately. The account number it was posted to is : XXXX. Account holder is XXXX XXXX. XXXX. Vehicle VIN # is : XXXX. Payment confirmation # from XXXX/XXXX  XXXX is : XXXX. My request is to immediately and permanently remove my banking information from XXXX XXXX 's website. I feel it is not right that information is held without my permission. The account information in question is posted on the website as XXXX XXXX XXXX. There is a radio button next to this account information which gives immediate access to my funds. I am enclosing additional documentation to substantiate this.
I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XX/XX/XXXX and additional letters on XX/XX/XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.