WillisBack/dataset-financial-user-claim huggingface dataset:
I was asked to choose XXXX item that best describes my issue however multiple issues could have been selected. The latest one that has me seething is they called my mother in law pretending to be conducting a background check on my company. Asked her if my husband was in fact my husband, asked her how many employees I had and asked for my phone number. Then he called my husband to tell him I had a debit. They have not produced a document proving this debit is mine. I have repeatedly told them I know nothing about this - and to please send me actual documentation and I 'd be happy to pay whatever I actually owe. They call me EVERYDAY. I called them yesterday to make the phone calls stop and this bully named XXXX XXXX said all kinds of crazy nonsense - that if I was a XXXX he 'd be willing to settle this debit right now. Asked me what I did for a living - told me I was rude and uncooperative when I would n't engage in personal conversation. He 's a bully. And a liar.
Residential Credit Solutions has reported to all credit bureaus that I was 180 days late on all payments from XXXX XXXX to XXXX XXXX. This account was protected under bankruptcy, and I was repaying as scheduled. The loan has since been paid completely off. RCS should be required to clear these late payment marks off my credit report to all credit bureaus.
XXXX XXXX XXXX, is reporting information on my credit report that is well over the statue of limitations for collecting a debt. The company that I obtained this debt with is XXXX  whom which was well over 7 years ago. This account was sold to convergent inXX/XX/XXXX. When I call this company to obtain validation of this debt, and inform them that they are illegally reported to my credit, I am left on hold and then ultimately hung up on. I have also done my own research on this collection agency and over 90 % of customer complaints have been reported as the same issue.

Thank you, XXXX XXXX XXXX XXXX  p.s.

last credit report date was XX/XX/XXXX and before then XX/XX/XXXX account with XXXX  was inXX/XX/XXXX.
Piggy Back on  Closed File  :  XXXX  In response to your information : -I Called on  XXXX / XXXX /  XXXX   to discuss the fraudulent credit inquiry on  XXXX / XXXX /  XXXX  . After I called and gave private information to your Call Center, I got another hit on  XXXX / XXXX /  XXXX   - from SYNC - I then again called on  XXXX / XXXX /  XXXX   to gather information again to place a extended freeze on the account and when call the same call center to discuss this information, I noticed another fraudulent inquiry on  XXXX / XXXX /  XXXX   - from SYNC - I call again on  XXXX / XXXX /  XXXX   and provide my personal information via phone again and it again I have a fraudulent inquiry on the same day from SYNC I have called other places and provided my SSI number via phone and no issue. But everytime I contact your contact center or SYNC bank directly per your advise to call the creditor to have them close out the fraudulent account, I get a wrongful inquiry on my account that same day or next day. Since it has happened  three tim es in a row, this provides me enough information to believe that somehow their is a breach between   XXXX   and  Syncs tra nsmission of personal and private information. You specifically provided the exact dates I called and if you review my credit report you will see an exact correlation of each time a call has been made and private information provided, a fraudulent inquiry through SYNC bank has been processed either that day or the next day -  Three  times with no gap between day of calling and the immediate result of a fraudelent act. This should be enough information for you to begin reviewing other open files involving SYNC bank and the fraudulent inquiries made and finding a pattern. It seems that everytime someone calls   XXXX   or SYNC and personal information/transmitted between  XXXX  an d Sync , that person private information is misused in another fraudelent inquiry from SYNC again.
I can no longer afford to pay for my mortgage Am trying to do a short sale on the home I am told there is a fair offer on the table for the home it needs a lot of work and is not live able for my daughter who keeps getting sick here i am sending you the Estimates needed on the home to show this is the only and more than fair offer on the home.
my mortgage was sold from XXXX XXXX to nationstar as of XXXX/XXXX/16. I was also informed by XXXX XXXX that I would receive a letter from nationstar by XXXX/XXXX/16. up until XXXX/XXXX/16, nationstar would call my cell phone and place of employment constantly and hang up. My co workers were obviously getting annoyed with these calls and called the number back to tell them to stop the calls. the recording said they were a debt collector and all information would be used to collect debt. they were then prompted to enter last XXXX of a ss # which of course they did not do. there was no way to get through to a live person. I tried calling number back on several occasions and followed the prompts and when I tried to get to a representative I was immediately disconnected. finally, on XXXX/XXXX/16 I got to an agent. I asked them to stop calling and hanging up on my cell phone and at my place of employment. I also informed them that I had not yet received a letter from them or any contact from anyone. she said the letter was mailed on XXXX/XXXX/16. I told them I should have received it already. the calls did not stop. we received more at my work and on cell phone. when I did not receive anything by XXXX I called them again. it once again took a few times to get someone on phone. I talked to XXXX and she told me a letter went out on XXXX/XXXX/16. I told her when i called on XXXX/XXXX/16 i was told it was mailed on XXXX/XXXX/16 I told her I do not have it yet. it should have been here by now. I do n't have a statement for XXXX/XXXX/16 payment and it is due tomorrow. I still have not received a loan number so my XXXX payment has not been made yet. I asked her to speak to her supervisor since it seems they do n't want me to be able to make payments. I worked too hard to buy this house and I will not allow you to XXXX it up for me. she put me on hold and came back a few minutes later and said her supervisor was on another call but I should n't worry about XXXX payment since they cant charge fees or report late payments for 60 days. I informed her that is not the point. you should have given me written notice of my new loan number and where to send payments, also, I should have a statement for XXXX by now. you have done none of the things you are required to do! I asked her for her supervisors name. she gave me a name of XXXX. she said she would request a letter be sent out. I once again told her I should have had that on XXXX/XXXX/16.
On XXXX/XXXX/16 I withdrew {$600.00}. from an ATM like I always do. My receipt said I had {$20000.00}, which was correct. 4 days later when I tried to get money out to pay for car repairs my balance was {$250.00}. I immediately went to bank and reported this. I was told the back would give my money back while they did an investigation. 2 months later still no money. I had my card in my possession on XXXX/XXXX/16 but someone had already been stealing money from ATMs and making purchases using my card number since XXXX/XXXX/16. ( These transactions did not show up on my ATM receipts so I had no knowledge of them ). I have been to First Tennessee Bank at least 20 times and have submitted all the information they requested and have talked to XXXX police and security at the bank dozens of times. I have a {$600.00}. 
limit I can get every day, but First Tennessee let someone get more than that multiple times without my authorization. I have no car, my health and car insurance cancelled, phone cut off, no place to live, and no way to work for 2 months. Last time I talked to XXXX XXXX in the XXXX FTB Security, she told me they ca n't discuss MY account while the investigation is going on. I even gave them the name and persons address who used the card on multiple occasions, and they did nothing. I do n't even have XXXX cents to call them or catch a bus to a nearby branch. They have ruined my life for 2.5 months and do n't seem to care.
I got called from the same number 14 times in a 30 minutes period on XX/XX/2017. I got called 14 times total on XX/XX/2017 and 6 times on and 7 times on XX/XX/2017. This shows that the calls have gotten progressively aggressive over the last 4 days. I informed the lady on the phone that I was filing a complaint with the cfpb and she threatened to note my file that I am unwilling to pay my debt. I informed her I have no money to pay my debt and as soon as I get my income tax return I will pay my debt back up like I do every year. She asked if I had any money to pay and I told her I have zero money for this debt. Then I told her I needed information from her so I can file my complaint and she said your file has been noted have a good day and hung up. Talked to XXXX XXXX XXXX XXXX the supervisor I informed her my fist contact did not give me her name and employee number ( XXXX ). XXXX provided the employee 's id number. When Informed XXXX of my intentions to file a complaint she informed me the call center is automated. I told XXXX I have received 14 calls in 30 minutes and XXXX told me they are allowed to call up to 8 times a day. That 14 calls must be an issue with the automatic calling system. I asked why the calls have gotten progressively aggressive and she said she did n't know. She asked me when I was supposed to get my income tax so I could catch it up like a douche every year and I told her it was suppose to be deposited in my account yesterday XX/XX/2017. I informed her I will pay it up in full when I get my return back like I always do. After finding out that this is the last day of the month XXXX offered suggestions of why I got called so many times in a short period of time. XXXX suggestion was they only work until XXXX on the last day of the month and the other was that my account will be transfered to a new department and will have a personal account manager starting tomorrow. I thanked XXXX for the information. I was not aware they could call up to 8 times a day and if I was receiving more than 8 calls then many more XXXX probably receiving more than 8 also.
Collected 2 payments when only authorized to withdrawal one. Credited one payment back & now stating that last payment was on XXXX/XXXX/16 when in fact it was made XXXX/XXXX/16.
On XXXX XXXX, XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX
Ad Astra Recovery failed to validate or send proof of contracts that I have with Ad Astra Recovery. If Ad Astra Recovery does not send a copy of this contract within 30 days, The only resolution i will accept is to delete the said debt from all credit reporting agencies, as it is a fraudulent account. The FCRA requires you to verify the validation of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here and i urge you to remove this item before i am forced to take legal action.
Please I need your help urgently. I went to Sigue, a money transfer company to transfer money to my family which needed it urgently but the company has been coming up with XXXX excuse upon another and have since refused to send my money. I have provided all the requirements they asked for upon transaction and I have later provided series of other documentations which they kept on changing o no avail. 
I trust you will like to expose them and call them to order at the very least. 
I am desperate for your need to help get this money transfered asap for the urgent purpose which I needed it for. 
I look forward to hearing from you.
collection agency refusal to provide validation of debt as requested. 
provider contracted to accept insurance as full payment. Not willing to wait for payment from state insurance provider.
I buy a car in the delers of XXXX XXXX XXXX XXXX I was offered hill of interest in buying a XXXX XXXX at the time of signing not set me by the interest the day after I realized they gave me an interest 8.25 I was talking to the manager I was treated very badly and my family, and they did not explain to me that this kind of space used car tires and does not use additional tires
The credit bureaus are a joke and the XXXX needs to do something about them or ban credit scores if the XXXX refuses to regulate and ban them. I 've repeatedly reported how the credit bureaus and XXXX XXXX mortgage continue to report a short sale as a foreclosure on my credit report despite the fact that XXXX agreed to the short sale, the loan closed as a short sale, there was no XXXX and XXXX never took possession of my property. Now, I recently sold my home and paid off both my first and second mortgages in full and the credit bureaus are now NEGATIVELY reporting the PAID in FULL for the FULL balance as NEGATIVE Activity on my credit report. How can the sale of my home for a profit that yielded the payoff of my accounts be reported as NEGATIVE?? The accounts were closed by the lenders because they were paid in Full from the Sale - not due to ANY delinquent activity on my part - so why is this considered negative?? And why on earth would you report my credit score as Negative. This whole credit reporting system is a joke and detrimental to hard working consumers who pay their bills on time.
I paid {$770.00} for an appraisal that FirstTech ordered. This appraisal allowed me to remove the private mortgage insurance from my current mortgage. To use the appraisal for a second lien on my current home, a different lender asked for a letter from FirstTech stating that FirstTech releases the interest from my appraisal. 

FirstTech refused to provide the appraisal transfer letter and gave no reason. They said they would not release the interest in the appraisal I paid for, therefore, they would not provide the letter for me. They tried to refer me to a FirstTech loan officer to talk about a second lien with FirstTech,  but they don't offer the financial product I'm looking for and their interest rates are not competitive for it. 

XXXX XXXX guidelines state that lenders can transfer appraisals. In addition, most lenders have a standard template to transfer the appraisal for customers. One of them is XXXX XXXX XXXX. Therefore, there's no reason they can not provide an appraisal release letter. 

If they were going to keep the interest in my appraisal, they should have paid for it and informed me upfront about it.
Inquiries were removed from my credit report and re-added without any documentation or reasoning received. 


XXXX XXXX XXXX, XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
ON XX/XX/XXXX Lexing Law firm notified me that on XX/XX/XXXX Wells Fargo had reported a 30 day late payment to all XXXX credit bureaus, and on XX/XX/XXXX there was a hard inquiry made from Wells Fargo without my knowledge. I will attach all documents that explain my complaint. I have n't had an account with Wells Fargo since XXXX XX/XX/XXXX that I closed, and was never late paying. I closed the account because of the small line of credit they offered. 
Note : just last month Wells Fargo had at to pay {$180.00} XXXX dollars in fines in lieu of a scandal of opening fake accounts. Just in PA alone there was XXXX fake accounts opened. I hope im not a victim of this scandal. 
XXXX to this above mentioned news is : The Morning Call reported by XXXX XXXX XXXX
I have sent Equifax XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
I defaulted on my XXXX loans in XXXX and rehabilitated them in XXXX. As part of the federal loan rehabilitation program, all Negatives would be removed from my reports. XXXX has unreasonably refused to remove the negatives on my Experian credit report.
I opened an account and everything was fine besides a discrepancy about fees that were assessed. that was corrected and now here we are yet again. Only this time, I deposited a check in light of it clearing there was fraud on that account and I had to close. As a result I went to a ATM and deposited more then enough to cover as a supplement so to speak, since when I called customer service they advised me there was nothing that they could do since it was done via mobile. Now here we are and they are keeping the money that I had in the account and charging fees that I would not have if I were to have the debit card to make transactions. This is very draining having being a new member and being as up front as possible. They locked all access and told me that the debit card is no good. All of this was done with no written communication. If I did not visit and ATM for it not to take my money. I would never know the problem when actually I still do not know the issue since I tried to clarify fix the problem. I could not help my stuff stolen and the only option was to close the account. In addition is was a first time offense.
I requested a payment of {$8000.00} from my retirement account at XXXX in XXXX. XXXX mailed a check ( # XXXX ) to my home on XX/XX/XXXX.
<P/>XXXX 's Bank is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Having not received it by early XXXX, I contacted XXXX. They said the check had been cashed with no endorsement, marked for 'deposit only. ' I did not cash/deposit nor reached this check. It was intercepted and deposited by an unknown party without a correct signature. XXXX mailed me several forms to complete, including an Affidavit of Unauthorized Endorsement or Altered Item. I had these pages stamped by a notary public on XX/XX/XXXX.. <P/>XXXX received these items on XX/XX/XXXX and XXXX emailed them to JPMorgan Chase onXX/XX/XXXX and JPMorgan responded to XXXX 's confirming receipt on XX/XX/XXXX. XXXX REP : XXXX. XXXX XXXX / Senior Investigator Client intelligence Unit XXXX / XXXX ext : XXXX JPMorgan Chase Bank will not respond to me with any information, since I am not the issuer of the check. They have have emailed XXXX. XXXX when he asks : with- in process. <P/>I continue to reach out several times to JPMorgan Chase - no information provided. JPMorgan Bank XXXX, OH Dept : Acct Check Claims XXXX Option 3 JPMorgan has been 'in process ' for nearly 3 months and I am overdue for a response and replacement check for {$8000.00}. {$8000.00} is a large amount of money to me. The money was to be used for taxes and medical expenses. This check appears to have been intercepted in the mail and deposited without my consent by an unknown person. <P/>I am seeking your help to reach a positive conclusion to this long overdue JPMorgan Process. Thank you.
I spoke with XXXX XXXX regarding a debt that Midland was attempting to collect that was beyond 7 years old. He advised me the account was open in XXXX & charged off in XXXX. I advised him that it is now XXXX and that under state law the debt is no longer valid. Additionally I received no notice from them regarding it and it is also not showing on my credit report. When I ask for proof of the debt he danced around the question several times attempting to talk me out of it before he finally consented. He also danced around disputing the debt. 
They have also not attempted to reached me at my registered phone number and have instead been harassing my parents at both their home and work numbers.
Back some time ago XX/XX/XXXX or XX/XX/XXXX I went passed a car dealership called XXXX XXXX with my at the time boyfriend who was trying to purchase a car. I was going to help him out with getting the vehicle but was unable to due to my credit not being the greatest. They gave another alternative of putting a big lump sum of money down and to my knowledge he nor I had all the funds to even meet their requirements for the down payment or loan. I never recall setting up an account and if an account was set up it was definitely had to be his responsibility because I was told I did not qualify. For some years now this company has been harassing me with phone calls threatening to come to my home and job for payments. I even on several occasions have told them do not call my phone anymore because not only will they call and hang up continuously without even saying anything. Their tactics are way too aggressive and have also called my family ... my older brother who I have NEVER lived with or used as a reference, they have called his wife 's place of employment and left messages for me on her phone, they have contacted my step dad who lives in XXXX and I reside in XXXX, they have called my mother, and at times that they have done so I would n't even hear from them. They have left messages that if I do not call them immediately they will issue a summons for arrest following a court proceeding. I disputed this company with all XXXX credit agencies a couple years ago and they were removed off of all my reports except for XXXX, they are continuing to report.
Well Hello! 



my name is XXXX XXXX XXXX and I am a consumer at Wells Fargo Bank. In XX/XX/XXXX I started to notice a few unauthorize transition and immediately filed a claim on this matter. XX/XX/XXXX and XX/XX/XXXX was just horrible for me. Not only did i see a boat load of unauthorized debit transition but many many atm withdrawal with my account. The claims department told me to fax over documents and police reports so we could put a stop this, order new debit cards, and that still didnt solve the issue. My online info was stolen as well. roughly 6k is uncounted for and Wells Fargo is sending me through the wringer for it and blaming me for my account being fraud5. They not only embrass me and family their branches, but they reverse all the claims and closed my account due suspicious activity. In result all of this my daughter boy was the one who stole everything from me including vauble items out my home over the holidays. He admit to stealing my debit card out my purse at night and put it back in before i would wakeup in the mornings to law enforcement. my money is stuck in limbo and Wells Fargo Loss Prevention is so unprofessional and lack customer services. They refuse to continue the invesgation and claim they have atm footage of the suspect. I can't pay my bills this month of all the reversal credit claims out my accout. Please stand with me and let 's resolve this together. 


with love XXXX
I have a recording of this call saved on my phone. 

On XX/XX/18 at XXXX, I called to make sure my entire balance was paid off. 
I spoke with a representative from Citi who told me that : A ) my automatic payment could not be increased to pay the full balance B ) that if I had an automatic payment, it would pull money each month even I didn't have a balance (???? ) C ) that he would make a payment ( which he NEVER did ) Now I have a late payment. I am very concerned that this behavior will continue to innocent consumers.
Medicare paid for XXXX % and Medicaid paid the other XXXX % and they are billing my for XXXX and I was told it would be removed since I faxed them proof. They are commiting medicare fraud