WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX continues to call my cellular phone number despite having expressed to them that I am not the person that they are looking for. I have asked them to stop calling me on at least five occasions, two of which I described intentions to pursue legal actions for harassment ; and one of which I spoke to a manager and asked to not be contacted again to which I would pursue legal actions if my request was not met. The cadence between myself and this company has gone on for about two months. This morning ( XX/XX/2018 ) I received another phone call from the same number. I was unable to answer the call due to being at work.
I have mortgage insurance on my mortgage loan and now have the funds to lower my loan to an amount acceptable to remove the mortgage insurance. I have been trying to get the mortgage company to comply with removing it but they continue to give me the runaround and will not help to get this resolved. I attempted to start this process in XXXX of 2015 and have made no less then XXXX calls to them including emailing a form document they requested to have this removed. I then called on XXXX and spoke to XXXX and XXXX ( the supervisor ) for 57 minutes before they assured me I will receive an email outlining what I need to complete so they can remove the mortgage insurance. I never got that email. I then call back on XXXX and spoke to XXXX. Again 33 minutes later she assured me she would forward my information to the loan department and I would get a call back that same day. I never got a call back. It is very frustrating as if I owed them money they would be calling me 5 times a day to get paid but because this it something to benefit me they are refusing to help. This is very unfair as I have the funds to pay in to get it removed but I can not get a straight answer.
I have contacted CitiMortgage several times to request a deed in lieu and have been unable to make any leeway with the process. There has been no acknowledgment of receiving my documents and no one seems able to provide any consistent accurate information whenever I call in. I requested the deed in lieu at least a year ago and submitted the documents via e-mail several times.
My husband and I are refinancing our existing mortgage with XXXX XXXX XXXX, currently our mortgage is with XXXX XXXX. We also have a home equity line of credit with BB & T bank. We want to maintain our BB & T equity loan. XXXX XXXX has contacted BB & T several times to make arrangements for the change of the new mortgage and has repeatedly been told that they do not have a department to take care of that service. We are senior citizens and my husband has repeatedly called BB & T and been given the names of people to take care of the situation and when XXXX XXXX then contacts that individual they are told that they do n't handle that. At this point in time it has become very stressful because it will delay settlement.
I have continued to diapute this company i have had a fraud allert for years on my report as my info was stolden uet they keep reporting debt thats not mine
I have a current credit card from Capital One that the terms have been routinely changed on multiple times since it 's original issuance to me on XXXX/XXXX/XXXX. I have formally requested the original card-holder agreement and terms that were issued from the original XXXX/XXXX/XXXX issue date and Capital One has neglected to provide it to me. They only seem willing to provide me with XXXX from XXXX XXXX that accompanied a new change in agreement/term that I was not properly notified about again. 
The reason that I would like the original agreement is because I remember being offered a much better long term interest rate than what has appeared through the last 3 years of statements that I have received and now reviewed online. I believe that Capital One has not adhered to their original issuer agreement with me and has adjusted their rates upwards at a regular interval over the last 3 years to a nearly 24 % purchase rate. The original rate was supposed to be 14.9 % for 2 years, but I do n't see any indication on my statements of a fixed purchase rate over this period of time. 
Capital One also does not have a single late payment from me as I have had automatic payment established with them from the inception of the account which I have adjusted to pay at least double the minimum monthly payment. I usually follow-up with a XXXX payment each month of much more. 
I have a printed record of my latest request for the original XXXX/XXXX/XXXX card issuance agreement by Capital One 's secure online chat service from XXXX/XXXX/XXXX. " XXXX '' was told by myself that I specifically wanted to check on this agreement as I felt that I was duped on the terms and charged much more money. He told me that he had found the original agreement and would send it to me by mail. I told him that I did not want the current agreement for XXXX XXXX in which the terms had once again changed. He told me that he understood that and would send the original XXXX/XXXX/XXXX agreement. 
I received the XXXX XXXX Agreement in the mail yesterday. I think that Capital One is avoiding providing me with the original card issuance Agreement because they have defrauded me of its terms and do n't want me to be able to prove it. 
I demand to be given this original agreement as I am entitled to it as a card member and suspect fraud has gone on against my account for the last 3 years over my APR interest purchase rate as well as the introductory 0 % that I should have received for longer than was applied to my account. I know that I have most likely lost over {$1000.00} in incorrect interest fees applied.
The most recent call was on XX/XX/2018 at XXXX XXXX. I had been getting numerous calls from this company in reference to a relative. I Kindly told them about 6 or 7 times I have no contact with this person. Around the 8th call I finally asked to be put on their internal " do not call '' list. The lady who I spoke to was extremely rude and hung up the phone. When I called back they gave me the run around, kept putting me on hold and when the person came back on the phone I asked for their name. She told me here name was XXXX. I think that it is a fair and my right to asked to not be called anymore after numerous calls, especially about someone else 's debt and not be treated in a rude way.
On XXXX/XXXX/15 I sent a {$500.00} transfer to my sister in Texas. When she attempted to retrieve the money she was told that the funds were not available. I contacted customer service and was told that my transaction was under review because my name, XXXX XXXX XXXX, was similar to a name they have identified as a person who ca n't use their services. However, when I made the transaction I was not notified that there would be any problem. This is not the XXXX time I 've used this service. Each attempt to either retrieve my money back or make it available for the recipient has resulted in hours on hold and lastly transferred to the Dispute resolution department which automatically sends me to voicemail. I have never been able to reach a live person in that department. I have left XXXX messages with the Dispute Resolution Department and they have not contacted me. 

My {$500.00} were taken from Money Gram and neither I nor the receiver can retrieve my money. 

I have taken the following action to resolve the complaint:1. I have contacted Money Gram via telephone every day since XXXX/XXXX/15 and each time the customer service agents keep me on hold for hours ( not figuratively speaking, I have been on hold literally for hours ) while they say they are transferring me to the appropriate department. I get transferred from one agent to another over a span of approximately XXXX hours while on hold for about XXXX minutes in between each representative. XXXX representatives were extremely rude and hung up on me telling me they could not resolve my issue. 

2. I have also left XXXX messages for the Dispute resolution department and I have not been contacted. 

I have not been contacted by Money Gram at all. I need a resolution to this issue immediately.
Filed a dispute with the XXXX credit agencies ( Transunion, XXXX and XXXX ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter XXXX.
We received a letter from Chicago Title Company, XXXX, NE, regarding a debt to some 'unnamed ' mortgage company. ( See attachment ). We 've asked CTC to provide specific data related to their claim.
ERC has called my office every day for the past week regarding debt. They do not say anything, they simply call and it goes to dead air. I work in a XXXX person office, that 's me and my boss. My boss gets the voicemails. So I have no idea who calls unless I answer. I googled and called the number back to get the office number removed from their list. But they are calling me AT WORK. I could lose my job, and never be able to pay any of the debt I have again. I am doing what I can to pay off my debt, I do not need to feel threatened everyday.
I have consolidated loans with the loan servicer Navient. I am a teacher and applied for Federal Teacher Loan forgiveness this past summer. I was denied even though I met all the qualifications and submitted proper paperwork. It has now come to my attention that Navient was involved in bad practices that made it impossible for teachers and other public service providers to be eligible for these loan repayments. They put their needs and desire for extra fees above those of their clients.
I had an XXXX credit card acct # XXXX with a balance of {XXXX} was sold to XXXX on XX/XX/2012.I had attempted XXXX on several occasions. No response. I have written them .letters returned to the sender.phone numbers didn't work.IXX/XX/XXXX had complaints on them. I have disputed this item 's with the three major credit reporting agencies. THEY'RE investigation was not to my satisfaction. No successful outcome. I would like to have it deleted.Im rebuilding my credit.
Experian is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/2018 along with a notary proving I am the person sending this letter through USPS certified mail. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. I on XX/XX/2018, I received a letter stating the results of dispute investigation. Instead of providing the requested information, Experian opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE DISPUTE CLAIM DID EXPERIAN SEND TO THE FURNISHERS? No dispute should have been made. If I did dispute, it would be with Experian for being Non-Compliant with the FCRA.
This account with Optimum Outcomes need to be returned back to XXXX. For one it was a XXXX visit I left and never saw a Physician. I am XXXX since XXXX so XXXX should have submitted it to XXXX. Social Security submitted all this to XXXX. So the miscommunication is with XXXX billing Department. XXXX did not send me anything regarding this charge, because I would have disputed this balance, Because I was only XXXX and the wait was to long so I left I did not see a doctor. XXXX would need to submit this back to XXXX for they could submit it to XXXX.
I received a copy of my credit report from XXXX, XXXX and XXXX and noticed a collection account reporting against my SSN from AWA Collections. Prior to me obtaining a copy of my credit reports, I had no knowledge of this account or alleged debt. I have requested validation multiple times from the credit reporting agencies regarding this account and have only been told it 's " verified '' with no supporting documents. I have also contacted AWA Collections multiple times, the last being on X/X/2017,  for validation of this debt and have yet to receive anything. I have no contract or agreement with this company and have never received any goods or services. I have a right to have information validated that is contained on my credit report or it needs to be promptly deleted. I have not received a copy of a signed contract or any other verification from AWA Collections.
EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
XXXX XXXX XXXX is contacting me in an unprofessional manner. They call me Monday thru Sunday at all hours of the day. Calls come in at all hours of the day and night. It is extremely annoying and upsetting. I had already made payment arrangements with Gap Synchrony Bank, the credit card company. Now, they 're sending me these people to supposedly collect a debt.
I was repeatedly lied to about settling with this debt collector by its collection dept at XXXX XXXX XXXX XXXX XXXX debt dept. I called on XXXX XXXX and spoke with a representative and came to an agreement to settle this debt before my court date on the XXXX. I was told if I paid them 1350.00 on the XXXX of XXXX XXXX, that XXXX XXXX XXXX would drop any actions moving forward with judgement. I repeatedly asked them if they would be able to make sure this was taken care of on their end and I would be safe from any judgements from this case. I was told 4x over on that phone call that I was released from any judgement and also that they messaged their paralegal who contacted the lawyer named XXXX XXXX of XXXX Indiana and the message was passed onto them and I was promised that they would drop any further actions and that they would make notes to leave extra messages for this lawyer to stop any actions against me for this upcoming judgement. I also asked for a letter stating this agreement be mailed to me expediated. I got neither. Instead, XXXX XXXX I got a letter stating the account that XXXX XXXX XXXX was suing me for was paid and is on contingent on the clearance of payment I already made to them. Nothing about the agreement to stop pursuing the judgement against me for said account. I got another letter on the XXXX of this XXXX stating I have to sign a new document of a fake settlement offer that did n't take place, tyring to trick me into accepting that they filed judgement against me even though we already agreed that if I paid them 1350.00 on XXXX XXXX XXXX that they would not file against me in court and the judgement would be stopped on that very XXXX XXXX XXXX and I would not need to go to court on the XXXX since this was considered paid there would n't be a reason to show up at court. 
This new agreement they drew up states that upon signing, they would file documentation with the courts to close the file. I also have screen shots of my XXXX account showing I paid them on the XXXX of XXXX XXXX. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Please note, if I am refunded my XXXX XXXX card name was not updated to my maiden name ( recently XXXX ) Name on card that was submitted to XXXXXXXX XXXX XXXXXXXX was XXXX XXXX
I have  XXXX  accounts w ith Midland Funding  #  XXXX  and #  XXXX  and I have requested debt verification more t han one ti me and this company has not provided me that information. It has been more than 70 days and not information has been provided to me from this company. I 'm requesting that since this company has failed to provide me with information that this account be deleted from my credit report. They have indicated that since that they have not provided me verification that they were going to delete the information from my credit report, but they have failed to remove from my credit report. I have sent them and the credit bureaus more th an 4 letters  requesting verification which they have refused to provide me.
We have filled a complaint in regard of a check that we sent to Shellpoint Mortgage servicing that has cashed by Shellpoint and did n't posted to our account. After the complaint, they resolved the problem as well as brought back the overcharging for the escrow funds. 
When we received the reply correspondence, we wrote Shellpoint back for more clarification about three ( 3 ) months mortgage due the letter has stated. While we were waiting for the final dispute or the clarification answer the case has closed. As we receive the correspondence last week on XX/XX/2016 there are XXXX fees that we needed to dispute. Therefore, we have to submit this new complaint. 
1-Shellpoint has charged us {$220.00} late fees. While, they are one who made the mistake or intentionally not posted the funds to our account to generate late fees. We requested that the {$220.00} late fees should wave in our account. 
2-Shellpoint has charged to our account {$2200.00} JUNK FEES " as other fee '' We ask for those illegal fees should be removed to our mortgage account. In the meantime, as of now our account is showing past due for {$8100.00}. while we 'll wait for Shellpoint to resolve the issue, we are going to make a payment arrangement.
XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; Ally Financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
On XX/XX/2018, I sent verification letter to EOS CCA regarding debt collection. On, XX/XX/2018, they sent me part of a bill and a letter stating that they validated the debt. They did not send the information as I requested. On XX/XX/2018, I sent another certified letter requesting validation. On XX/XX/18, they sent me a settlement letter. I then sent all information to XXXX  on XX/XX/18. One week letter XXXX  sent me a letter stating that they verified the debt. On XX/XX/18, I sent a method of verification letter back to XXXX  who has not responded. I don't understand why I can not get the documentation as requested.
I disputed an item on my credit reports with Chase Bank with a verification letter dated XXXX XXXX, 2016 and my letter was received and signed for by Chase Bank on the XXXX XXXX, 2016 [ Certified mail with their signature confirmation card ] Account # XXXX : Bal {$1400.00} [ Charged-Off ] I have retained a copy of their signature and date of receipt, as well as time-stamped copies of my credit reports showing that Chase Bank have violated the fair credit reporting act, section 623 ( a ) ( 3 ) by not placing the disclosure on my credit reports within the required 30-day period.The 30 days required disclosure expired on the XXXX of XXXX. 
As Chase Bank have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, Chase bank must now remove this item from my credit reports, which they are refusing to do. 
Can you please let Chase bank know that they 've violated a federal law and should immediately remove this item from my credit reports.
Requested the help of the companies to remove the inquiries I am not aware of. Customer service refused to help me XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see there a multiple. Again I am not aware.

Thank you
Criminal record for XXXX in Texas is listed on my consumer report. This is for a male. I am a female and have never been to XXXX. I 'm not sure if this person hacked my information but I have seen this show up on my account for a male with all my information and I am a female from XXXX, XXXX.
I was trying to get reviewed for a loan modification on an FHA loan with Quicken Loans. They were helpful at first, then stopped responding to me and moved to set a foreclosure date. In order to save my home I filed bankruptcy in federal court prior to the auction. However, Quicken Loans and law firm XXXX XXXX XXXX moved forward with the sale anyway in violation of federal law. I have since tried to get information and updates and to get the sale rescinded but have not been able to make any progress or contact with Quicken. 

My wife and I bought this home in XXXX with an FHA loan. We made our payments as agreed with no problems until our roof caved in a couple of years ago. At the time I was only working part time and it cost {$7000.00} to repair the roof ( it was an urgent repair ). Due to this fact I struggled and fell behind on the mortgage. Last year I reached out to Quicken to try and get reviewed for a modification or plan to help me catch up. I was approved for a small reduction to {$710.00} a month. We began making this payment, but then had a problem with my wife 's XXXX check and missed a payment. Since that time their agents have refused to work with us and refused to accept our payment. We were immediately pushed into foreclosure and a sale date was set for XX/XX/XXXX. I filed bankruptcy prior to the sale and under federal law the property should be protected from foreclosure. Then I was contacted by XXXX XXXX XXXX XXXX XXXX and was told that my home had been sold. 

I believe that Quicken Loans with the help of XXXXXXXX XXXX XXXXXXXX has not followed HUD and FHA guidelines and denied access to programs such as loan modification, partial claim, special forbearance as well as repayment plan options. Also, they were required to send out Occupied Conveyance paperwork prior to conducting any type of foreclosure action and this information was never received. 

We are trying to get an update on the status of our home from Quicken Loans. I was under federal bankruptcy protection when they allegedly conducted the foreclosure sale and they are required under federal law to rescind the sale. I have not gotten any updated information from them so I am not sure of my current status. I want Quicken to work with me and put us into one of the government plans available so that we can save our home and resume making payments. I am hopeful that your organization can get involved and get to the bottom of this.
On XX/XX/2018 I got an email, and also a text from Chase asking if i had made purchases. The purchases were three transactions from XXXXXXXX XXXX online of XXXX. Total of XXXX dollars. I replied and told them I did not make the transaction so they closed that card and sent me a new one. I also spoke to a representative over the phone and told them I did not make the purchases. They canceled the card and the transactions. On XX/XX/XXXX I went to check my account and saw that they let the transactions go through. I then called chase and they told me they contacted XXXX and they authorized the transaction. The purchase was of 15 downloaded XXXX XXXX office. It showed up as three different transactions. I filed a police report. I am now out XXXX dollars and it has dropped my credit score about 100 points. Chase has been nothing but a hassle, my fraud representative at chase said he knew it was fraud but they still let the transaction go through. The transaction should have never been put through, Chase is at fault for this.
The dept that they are claiming sould have been covered under my bankruptcy in 2010, but has been on my report sense. I would like it to be removed from my report.