WillisBack/dataset-financial-user-claim huggingface dataset:
My home loan was transferred XX/XX/XXXX .I did not receive any written notice from the new mortgage serviced XX/XX/XXXX. After several calls in XXXX and early XXXX, I finally got an agent to give me my new account number. On XX/XX/XXXX, I witnessed a gentlemen opening my mailbox.I immediately asked him why was in my mailbox .The gentlemen refused to identify himself and stated " the bank '' sent him to see if the home was vacant and the property was in foreclosure. I informed him my home was not in foreclosure and to please leave my property, he refused to leave sitting in his car and I called the police to ask him to leave.The following day, I contacted the new servicer and spoke to XXXX agents, all of which stated they did not send this gentlemen to my home ( who refused to give his name or company he was representing ). On XX/XX/XXXX, I arrived home and there was a XXXX XXXX in my driveway with XXXX gentlemen, sitting inside.I parked in front of my home and called the police.The gentlemen when question by the police said they were from the mortagage company, again not identifying themselves.The following day, I called the servicer back and was told again, my loan was not in default or foreclosure.The agent on this call state he would send a letter to the company 's perservtion dept, also informing me I probably would not get a call back. On XX/XX/XXXX, I attempted to speak to someone that could explain to me what the stars of my loan and why were individuals coming to my home. XX/XX/XXXX, I was informed by an agent that a XXXX party inspector was sent to inspect my property XX/XX/XXXX and XX/XX/XXXX and the inspector sent out in XXXX stated my property to be vacant ( despite payments being made, well manicured lawn, and very apparent to be lived in. I finally started receiving monthly statements ( after XXXX request ) and saw additional charges on my statement.Again, after numerous calls for clarfication of these charges and still unanswered questions. XX/XX/XXXX, I mail a letter via usps for answers. I received a response from the servicer a little after 30 days stating my loan was and never be in default or foreclosure with them. XX/XX/XXXX, I found out my electric bill account was " finaled out '', I cleared that situation up. On XX/XX/XXXX my gas was cut off and my account " finaled out '', I was informed by a gas representative that someone from my mortagage company attempted to get the gas in the mortagage company name. On XX/XX/XXXX, I received a letter from my homeowner insurance company stating, my homeowner policy would not be renewed in XX/XX/XXXX because my home has been documented as vacant. Again when I call the servicer to find out what is going on, I 'm being told they did not make any of these calls to the utility companies or my insurance company. 


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I wrote letters to Capital Accounts regarding a debt that I do not owe to them. I received a statement from the original company which is  XXXX   XXXX  for the amount of {$59.00}. Upon notice of this statement I sent a check through my bank for that amount. Capital Accounts had already placed this item upon my credit without any prior notice. They were trying to collect {$110.00}.  XXXX  now they are trying to collect {$89.00}. I have not received any notification from  XXXX   XXXX  that I owed any other amount than what I paid. I sent Capital Accounts a HIPPA letter that I attached as well. I do n't owe this amount and it is greatly affecting my credit as it is false information. They have sent me an itemization print out but it lists every date I have an office appointment with  XXXX   XXXX . I had insurance and have insurance so what was due after my visits were paid. How is it possible to get an statement from the original company that has the correct amount but receive false amounts from an collection agency and it can just be placed upon your credit. I have provided proof of the actual statement from  XXXX   XXXX  and a copy of them receiving the amount that I have paid in full. They failed to provide/perform the following to me : Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.
Synchrony bank is still reporting my accounts with XXXX, XXXX, and XXXX as open and charged off when they have all been sent to collections and have since been taken off my Credit report I would like Synchrony bank to remove these XXXX accounts from my credit report since i have already taken care of them. please i called and spoke to a representative who was uncooperative and unwilling to help me I am trying to repair my credit so that i can buy a home for myself and my son and i hope XXXX day to be customer with synchrony bank again
I have XXXX loan modification agreements with Chase, finalized in 2013, after my hardship and bankruptcy filing.The bank offered a concessionary rate compared to market rates to reduce the recurring debt service. The difference between the concessionary rate and the market rate for the life of the loan was capitalized in the form of " Deferred Principal '' to be paid at the end of the life of the loan. The " Deferred Principal '' was 7.3 % -7.6 % of the outstanding principal at the time of the loan modification. I am now selling my property ( closing next wek ). Chase 's demand statement requires me to pay XXXX % of the " Deferred Principal '' -- a predatory practice that penalizes the borrower as a Prepayment Penalty. My understanding before the loan modification was that the " Deferred Principal '' was to be earned by Chase over time. Therefore, the " Deferred Principal '' was to be prorated on the basis of the time the loan has elasped compared to the loan maturity. Chase used a fine print -- half hidden from the eye, i.e., not in bold letters -- to lay the trap for an equivalent " Prepayment Penalty ''.
I received threatening phone calls and letters plus a lawsuit was filed, when I disputed the claim to debt. They are not the original debtor and their information is wrong. They did not provide me with enough information and threatened to take action if I did n't respond within 30 days. They refuse to give me their street address when I phone them so that I can have them served. They were very rude on the phone and would not provide information.
Fraudulent charge was made to my account. Case # XXXX. Despite the {$0.00} liability claim, Discover denied my claim and held me fully liable for the full amount of the charge.
I am filing this complaint because XXXX XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
I am currently not eligible to get any student aid from school as I only have XXXX credits but yet I have to pay. I tried to get a private loan with Wells Fargo but got denied due to credit. How does one pay for school with no help?
I have a HELOC with PNC. I also have bank accounts and an investment account. The HELOC is on my primary residence in XXXX. My home was a part time residence as I lived and worked in XXXX  until XXXX XXXX 2017 when I moved to XXXX full-time. I contacted PNC to change my address on all my accounts to my XXXX home. My address was changed no problem on my bank accounts and investment account. I have forwarded my mail to my XXXX home so I got the statement for my HELOC the next month still showing my old address. I called PNC again to change the address. They said it was changed and I would not have any issues. The next month my statement again was sent to my old address and forwarded. I called PNC again and was told they would get it fixed. Within a week I got a letter from PNC saying they would not change my address until I wrote them a letter requesting it and for me to send them documentation ( utilities statements ) showing this was my address. I called and said I am not sending you that change my address and was told no. I opened a formal complaint with PNC and I received a call back from XXXX XXXX ( XXXX ) with executive escalations and she said they would not change my address without the requested documentation. I asked that this be escalated to the CEO 's office as I am not jumping through hoops to change my address. I have never heard from anyone and my statements are still being sent to my old address. At this point its about the principal that PNC is a horrible organization to do business with and I am not doing anything else about my address. Think about the absurdity of this situation. 1st they change my address no problem on my cash money/investment accounts with nothing more than a phone call. They will not change my address on a loan that the collateral is the address I am asking them to send the mail to. They are now sending my mail to an address that could be opened and accessed by an unauthorized person which I mentioned to XXXX XXXX and basically PNC does not care. If I have any fraud committed against me due to the fact that PNC is sending my mail knowledgeably to a old address I will hold them accountable. I tell everyone I know not to do business with PNC and I will not do business with them ever again. They treat customers like trash!
On Tuesday, XX/XX/XXXX I recieved a call from a local XXXX, AZ number ( XXXX ) and because I do n't recognize that number I let it go to voicemail. An automated, computer generated voice left a message stating that I needed to call the Weinberg Mediation Group in regards to a matter connected to my social security number, and to call them at XXXX. 

I XXXX that number and found multiple reports of scam and harrassmenn calls reported about both of those numbers on various websites. I also found the address and phone number for the Weinberg Mediation Group, and the number on their website does not match the number I was told to call back on. I then filed a complain with the FTC about that matter, plus I emailed the Weinberg Mediation Group informing them that I filed an FTC complaint due to the appearance of someone spoofing phone numbers and then claiming to be their business.

Today, XX/XX/XXXX, I recieved a call from XXXX and as I was at work it went to voicemail. This time it was a person that left the message and it sounded like she said her name was " XXXX '' and that I was to call her at the XXXX number ext XXXX, in regards to a matter attached to my social securoty number at Weinberg Mediation Group. When I called back after I was off of work it went to voicemail, and then it sounded like she said her name was " XXXX XXXX. '' I tried to call the XXXX number with out using an extension and the system just hung up. 

I also XXXX the address that the Weinberg Mediation Group list on their website and it goes to a XXXX Store in XXXX, NY. 

I am sending a certified, signature required, return receipt requested to the address on Weinberg Mediation Group 's website that will be requesting all communications be through USPS certified mail, and validation proof of the debt, orginal debtor, all receipts and contracts paid to original debtor by all parties involved, and all amounts paid by all parties involved.
I have filed a fraud complaint with XXXX and they have her recorded stating to cancel the service and now charging me XXXX for equipment she threw out against her for the XXXX and also filing criminal charges for opening a XXXX card with all my information and XXXX says she forged my signature to open the credit card. Fraud Ticket Number XXXX. 
I am on the phone with XXXX to get the application where she signed my name and will go to the police department tomorrow to file charges against her. 

XXXX XXXX AKA XXXX XXXX has open a XXXX Card in MY name without my consent and signed my name she also canceled the cable and threw the boxes in the trash without my permission she is not on either account and just found out about the credit card because its in collections.. I need help please She also fraudility gets food stamps he mom and sister and XXXX XXXX helped her do this and they all work and gte food stamps she tried to get disability until they caught her cleaning houses and now her mother XXXX XXXX is lying to get disability and all se their pain pills. XXXX XXXX and XXXX XXXX all see several doctors to gte massive amounts of narcotics
I received a copy of my credit report and I have noticed that fed loan servicing, and dept of ed/navient is still reporting on my credit report. XXXX has deleted these accounts It is your responsibility to report accurate information on my credit report. Therefore, I am requesting that you delete the following accounts immediately. These items must be removed from my account to show my true and accurate credit history! In pursuant to the Fair credit reporting act. I expect you to delete these account within the next 30 days, or I will submit this to my local attorneys general office and the FTC! I have attached proof of deletions.
This is a follow up to my earlier complaint I filed back on XX/XX/2017 Case number ( XXXX ) I was told on XX/XX/XXXX by XXXX that my coordinator could resubmit this application for a Government CC and XXXX would go ahead and process it. My coordinator followed the normal steps and sent everything to the Attention of XXXX and left a few voicemails as well but no calls were returned. Then on XX/XX/2017, she was given notice again that my request is denied due to me already having an opened account. I was also told by XXXX, that a XXXX would have to fix the old card issue as it is considered identity theft and he works on that issue. I called XXXX twice but no call has been returned. 
I am so frustrated by the misinformation and XXXX I am having to go through for something that happened over 24 years ago by some company I have never heard of. Ive read that US bank was ordered to pay millions to consumers for bad dealings by your agency, ( CFPB ), yet I ca n't get them to release my name and SSN from a false account from over 245 years ago. Where is my justice and how do I get this matter resolved? 
XXXX
I have a {$2000.00} student loan currently in repayment from Discover Student Loans. The loan application lists XXXX/XXXX/XXXX - XXXX/XXXX/XXXX as the period of enrollment but otherwise includes XXXX personal information detailing that this was a loan taken out on my behalf. The loan application also has co-signer denied but I am sure that I did not apply for nor receive disbursement of the loan. The loan application also features no information about an interest rate or origination fee. There is also a discrepancy between the principal balance on the loan application and the statements that are available online. The loan amount says {$2000.00} but the principal amount on the most recent statement says {$3000.00}. To date, I have made {$1000.00} in payments on the loan. However, I have never received a promissory note or any other communication from Discover Student Loans regarding this loan, except for multiple phone calls harassing me to make payments in a time where I was financially unable to do so. According to Discover, information that they 've received from the XXXX XXXX XXXX says that I graduated on XXXX/XXXX/XXXX but they would not confirm the institution from which it says I graduated. This is also inaccurate, as I did not receive my XXXX degree until XXXX/XXXX/XXXX. Furthermore, the customer service agent told me my loan entered into repayment on XXXX/XXXX/XXXX even though I received no communication about a change in status of the loan. I am currently experiencing the same issue, as my loan has entered into repayment only 2 months after my completion of my XXXX degree. Additionally, when speaking to customer service I was provided misinformation by two separate agents regarding my payment due date and my payment amount. I was also told that my payments were past due when they are not. Discover Student Loans has been a terrible servicer of a loan that I am unsure that was ever applied for or received and the customer service that I have received thus far regarding this issue has been abysmal.
**Please note, debt was already disputed an d discharged, but  not due to bankruptcy, it was dismissed because I was found to not be responsible for it.   I was sent a notice from a debt collector called : ERC, to notify me that  XXXX   XXXX  hired them to come after me for a debt that had already been disputed and dismissed both by the previous creditor employed by  XXXX   XXXX  and by   XXXX   and  XXXX  last year. How can they hire a second debt collector to come after me like this? I did a lot of work to get this debt removed and cleared already. This is like double jeporady! I am an elderly woman on a fixed income, and I am not responsible for this debt to begin with! Please help m e! See letter ata ched. Thank you!
a load reversal in the amnt of XXXX was made on my acct ( call it a ) from merchant affiliated with card company in error on XX/XX/XXXX info was verified by my credit card ( card b ) that funds were removed and posted on orginal date of transactionand prepaid card company cant figure why funds removed nor seem willing to return.. I have spoken with fraud dept, acct protection and merchant affiliated with amex serve and have been given incorrect info, no call backs as promised.. I keep having to contact my cc company and have given my personal cc info 3 times along with my ssn to these reps ( not smart I know )
I have a dental account with XXXX, which is financed by Comenity Bank. In XX/XX/XXXX I contacted them and made a large payment of {$500.00} because I wanted to pay my account ahead a few months. This month I started receiving phone calls and text messages from them stating that my account was delinquent. I did not consent to text messages first of all. Second of all they will call me 4-6 times per day, and they will call me from several different phone numbers. Then they start calling and texting my husband on his phone. My husband is not on this account, and I have never given permission for him to be contacted. When I asked why they were calling him I was told that in the state of Nevada they are allowed to call my Spouse. After I paid the amount i was told I owed, I still received text messages telling me to call them. When I called them they were still trying to collect the payment I had already made 2 days earlier, and I told the customer service agent I was going to contact an attorney. I told him I wanted to talk to his supervisor he refused to transfer me until I gave him an attorneys name and phone number. I told him I was driving and was on my hands free device and could n't safely provide that information, he said he did n't care and still refused to transfer me. He said I should n't have called them if I was n't prepared to give them that information and he was n't going to transfer me. I told him they were harassing me, they were calling me and texting me over and over and over again about a debt I did n't owe, they were calling my husband who is n't on the account, they are texting me when I did n't ask or approve that and I wanted to speak to a supervisor and he still refused. They have since reported a late payment to my credit report and are refusing to remove it.
I have participated in a class action lawsuit against Western Union over a year ago, and never heard back from them regarding my claim. I submitted proof, and have been ignored by Western Union for compensation.
I was checking my 401K account that is managed through Wells Fargo. I noticed that I was being charged a service/management fee on the XXXX  XXXX account, even though there was no monies being deposited to this account or through this account from XX/XX/17-XX/XX/XXXX. I called Wells Fargo, and they could not tell me why I was being charged a fee.
TD Bank USA/XXXX XXXX : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
According to my account, I am overdrawn. I reviewed my account online and not all of my previous transactions are listed. Every time something like this happens it appears that the bank posts what they want to first which results in a larger overdraft and more fees. I have complained about this problem before. And about not being given enough of an opportunity to fix the problem. Now I do n't get paid for another week and a half and will continue to be charged {$12.00} every 3 days until balance is corrected. I was only give half of my overdraft fees last time, because I was told the district manager never approves any overdraft fee reimbursement. Well, I think the problem needs to go higher up.
Our loan was sold to another mortgage company and the balance of our loan raised from XXXX to XXXX. When I called and asked for a pay off on this loan I was told that it would be XXXX. They also say that we are behind on the payments, yet we have been making a payment a month, plus 2 months we made double payments because they said we were behind. I have researched this company and they have a lot of complaints against them. When you call to talk to someone it is automated and if you do get through then you have to leave a message and they never return your calls. This is very up setting because our original loan was for XXXX in 2001 then it went to another company and then another company and now to this company and we still owe almost as much as we did when we first got the loan. Also the interest rate was supposed to be fixed and it has raised. We need help and so does a lot of other people.
My name is XXXX XXXX. I have had XXXX service since XXXX XXXX. I first required their services at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The bill was automatically drafted out of my bank account every month. Between XXXX and XXXX XXXX, I called to change my adress to XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, NY XXXX. This address was XXXX block away from the previous address. They told me that there would be no problem. They did the transfer and Installation, after that I did not hear from them again. I then received a bill of {$1500.00} from XXXX and some debt collectors called Virtuoso Sourcing Group. I then called ADT to understand what was going on. They told me that is the bill from the remaining of the balance that was not paid. I explained that all I did was transfer the account to another address but that the contract should of been the same. They said that once an address is changed, the contract is done and a new one starts. I never received such information. XXXX concealed information from me and did not tell me the terms of the contract regarding the change of address and that it would have to be a new contract in the new address.
On XX/XX/XXXX, my husband and I sent a letter to Equifax, asking them to investigate errors on our credit report. Our understanding was that Equifax was supposed to respond within 30 days. Well, my husband received his investigation results from Equifax weeks ago, but I have yet to receive my investigation results. I have sent a follow-up letter to Equifax about this, but that hasn't been responded to either.