WillisBack/dataset-financial-user-claim huggingface dataset:
The phone number calling is:XXXX. I received XXXX calls between XXXX XXXX and XXXX XXXX ; sometimes getting XXXX calls a day. Most of the time I would answer and they would hang up. Once in that time a recorded message said " Please be advised this is not a telemarketing call ; this is a business call for ... CLICK ''. 
On XX/XX/XXXX the same ph. # came up, I picked up and said " hello '' several times, nobody said anything but they did not hang up right away, so I said '' You interruppted a very important call, you 'd better say something this time or DO NOT CALL BACK, STOP CALLING THIS NUMBER! Then they hung up. 
Later that same day that number called again. I answered, again, they said nothing. I said, " I TOLD YOU NOT TO CALL BACK, I AM REPORTING YOU. STOP CALLING ME ''. I then submitted a claim to the Do Not Call site, as I have been on that registry for years. 
On XX/XX/XXXX they called not once, but twice. The first call that came in I was able to say '' YOU HAVE BEEN REPORTED, DO NOT PHONE THIS NUMBER AGAIN ''. 
On XX/XX/XXXX another call came in on the answering machine, so I again submitted a complaint. 
Today, XXXX XXXX, The message on the answering machine was different. Still a recorded message. The message said XXXX XXXX was a debt collector looking for? XXXX XXXX? If I continued to listen to the message then I was acknowledging that this person was at this number. 
I was not home when this call came in. This entire call was a recorded message. I do n't know who they were looking for. I could not understand the name, It sounded like XXXX XXXX, XXXX XXXX,???? I do n't know. But, I do know that this phone number has continued to call here after being reported XXXX, and told several times to stop calling. This is the first time they gave any names. Of which I do not know any of them. I do not know who this XXXX XXXX is. I do not have any debt anywhere. The end of the message said if I had any questions to call XXXX. 
I did not and do not plan on calling that number. I do n't need another number phoning me all the time looking for someone who does n't exist, at least, not at my home. and is n't a name I recognize. 
If you can do something about this, that would be great I am not happy with this caller phoning now a total of XXXX times between XXXX XXXX and XXXX. It is very annoying, and harassing, and I really would like it to stop if that is possible. Thank you for your time in reading this. 
***I WOULD LIKE TO SUGGEST THAT YOU NOT GIVE THEM ALL OF MY IDENTIFYING INFORMATION AS I DO NOT HAVE ANY DEBT OF ANY KIND WITH ANYONE. AND THE PERSON THEY WERE LOOKING FOR, WAS NOT ME, BUT SOME PERSON, BY A NAME THAT I DO NOT KNOW.
for weeks, people claiming to work for XXXX XXXX have been calling me, my wife, my family, and my place of employment threatening to serve me papers at work and at home. I have repeatedly asked them to stop calling everyone and they are very unprofessional and rude. They have made my wife cry several times due to the harassment. They call from many different numbers and are not friendly. they also threaten to garnish my wages, sue me, and threaten that jail time will be considered. I have asked them to send me a post-dated bill to let me know that they are a real company collecting a real debt. they refuse.
My name is XXXX XXXX XXXX. On XX/XX/XXXX my wife made a computer entry error, while making our lowes credit card payment. The payment was supppsed to be for XXXX but she made a mistake and put XXXX. We did not realize this until the morning of XX/XX/XXXX. XXXX couldn't stop it because it wasnt in pending status so we moved on to the bank for help. What a joke. My only resolution was to take all my money out of my account and let it overdraft. Now we also made to correct payments after the lowes bill one for sales in the amount of XXXX and one to XXXX  XXXX XXXX, in the amount of XXXX. Since XXXX was first it was going to hit first. So while our account is in negative we opted out for overdraft protection to try and fix this mess because that is what we were told to do by BBT. We have now accrued XXXX in fees that our bank just roughly said oh well, we don't care if you made a mistake or not. My wife and I have had to take longer lunches for this matter, call customer service on this matter and send a complaint to BBT, we haven't heard a response because their generetic turn around time is 36 hours. Very convient when we are talking about your hard earned money. I can undrrstand if we did this intentionally but we didn't it was a simple entry error. We have XXXX kids and this has put a financial burden on our finances. If we wouldnt have made this entry error we would be fine but since we did we are hurting. And you would think after banking with a bank over 16 years they would help. Poor customer service on their part. People makea mistake all the time we are human but when it comes to BBT all they want is your fees they don't care about your lively hood. We have got a reversal payment from lowes in the amount of XXXX that was delivered by fed ex today. We had XXXX from XXXX Virginia branch to fax a letter for lowes in order to get refund. We have also dealt with branch manager XXXX at XXXX vs and my wife has dealt with XXXX at XXXX Virginia branch. We deposited the XXXX check at XXXX today but they don't quickly apply that to your account they hold it til midnight. So once again we have a pending transaction trying to go through that will like I said put us at XXXX in fees. Something has to be done. This is not right for this to happen to middle class people that made a honest mistake and has done everything to try and fix this issue. My name is XXXX amd my wifes is XXXX
My identity was stolen XXXX XXXX and reported to authorities, 7 year freeze placed. 
XXXX XXXX reported XXXX inquiries to Equifax, all fraudulent. All other creditors corrected/updated information with XXXX credit bureaus but NOT XXXX. 

I disputed with Equifax and XXXX reported " inquiries are a factual record of file access '', which THEY ARE NOT. I tried calling both numbers provided by Equifax to contact the creditor in order to dispute the unauthorized access. First, called XXXX XXXX XXXX XXXX, referred me to ( XXXX XXXX XXXX, customer service stated XXXX XXXX was a credit card company and to contact XXXX XXXX XXXX XXXX. Both times I actually reached them, they hung up on me BUT not before telling me applications can only be seen for 60 days, so even if applications are fraudulent, can not be removed if made over 60 days ago. Unreal.
I went to XXXX in XXXX, VA. I was a XXXX student. I feel that the loan should be wiped away because the school did not give me what was paid for. For the first 2 months we did not have a teacher. When we got her she was great. The software that was supposed to go with our classes never did work not even XXXX day. The transcription class was not taught. Did n't even open the book we paid for.
My balance just keeps increases no matter the amount I pay. It continues to rise instead of decreasing from my payments.
InXX/XX/XXXX I spoke to someone with XXXX XXXX  about the end of the lease payment inXX/XX/XXXX and XX/XX/XXXX that the total should not be XXXX 
It should've been the total XXXX I was told they would check into it and get back to me but they did not do so.
Myself and ex-wife are divorced. I released my rights to the property and gave her the real property in the settlement. She had 180 days to get the property in her name. She has been working with XXXX XXXX XXXX to get this done for almost 5 years. She finally had to filed a lawsuit against XXXX XXXX XXXX to have my name removed from the loan. She was successful in getting the judgement. However, XXXX XXXX XXXX will not stop reporting the loan on my credit. I have challenged the account with XXXX on numerous occasions with all XXXX of the credit b agency but they will not remove the account from my credit reports because XXXX continues to report this account as mine. I have a copy of the ruling where XXXX agree that I am no longer obligated under the loan and that she is solely responsible for the debt hence forth. I have attached the stipulation of release to each of my challenges with the credit agency to no avail. XXXX chooses to ignore the agreement with no regard for my rights. I want it removed from my XXXX XXXX and XXXX credit reports.
I submitted a credit card application with Navy Federal Credit Union knowing that my chances of approval would be slim, due to credit history. I was n't surprised that I was denied when I received my adverse action letter however, the reason for denial felt discriminating. To my understanding if reason for denial was based off of credit history, it should have been specific what the decision was based off of. None of that was indicated, and I assumed that it was my bankruptcy on file that affected my chances. If so, that still was n't the case. Regardless of the reason, consumers should be aware of the specifics of denial. This would alert consumers of ANY negative reporting that causes a huge impact on their credit. A possibility of something a consumer is n't aware of ; which would then be considered fraudulent activity. 

The reason for my DENIAL is stated below : ** YOU CAUSED NAVY FEDERAL A LOSS ** This is NOT a legitimate reason for myself as a consumer. There are so many regulations in place regarding consumer rights and protection, yet many consumers need to take actions themselves because certain regulations are n't being followed.
This morning while I was reviewing the itemized statement from XXXX I noticed that I had a charge from TransUnion for XXXX . I realized that I had not requested a credit report in years so I thought there had to be some sort of mistake. When I went back into prior statements I saw that TransUnion has been charging me XXXX $ every 5th of the month since XX/XX/2016 when they initially charged me 1 $ to check my credit. These services are listed as " Transition from TU alerts to XXXX alerts, '' which if I have been receiving I am not aware and I certainly did not sign up for. What is troubling about this situation is : 1 ) I never authorized TransUnion to save my banking information 2 ) I never signed up for the services that I have supposedly been receiving ( I am not even aware of what they supposedly are ) If I did sign up for these services it was not to my knowledge and was done in a manner that was deceptive in nature.

3 ) I never authorized the recurring charge which appears to be 19 times the dollar value of the initial charge All of the charges are documented in the attached file.
XX/XX/2013 my credit score reflects a negative notation for late payment. I have contacted Bank of America about this issue letting them know that I had moved during that time frame and was not aware that I was late on payment. I asked for a goodwill removal which they said they could not process. Please help to remove this negative notation from my credit score. This credit card has been paid in full, and account was closed. I am trying to improve my credit score. Thank you.
Our repeated attempts, numerous times daily, at all different business hours of the day and night, to reach Equifax, to comply with Equifax 's own instructions either online, by phone, or in writing, to place a Credit Freeze on our accounts have gone unanswered and ignored since XXXX XXXX 2017.
It took us only 5 minutes to complete this process on XXXX 's website and only 8 minutes on XXXX 
It is outrageous that this company continues to behave in such an unprofessional and cavalier fashion given the serious nature of this data breach.
I had a promotional offer that expired during my XXXX XXXX billing cycle. I paid the balance in full on the XXXX billing statement due date. Chase charged me {$27.00} in interest despite that I paid the balance in full. They indicated it was because the promotion expired on XXXX XXXX, XXXX and I paid the balance on the statement due date that was XXXX XXXX, XXXX. It was not stated on the statement that I need to pay off the promotional balance by XXXX XXXX vs on the statement due date. If it was it was not apparent. Chase could clearly see that I paid the balance off in full and should not have charged me the interest. They need to have more clear disclosures on the statemen that the balance needs to be paid by the end of the promotion period to avoid interest charges. This is a change from prior promotional offers I have done which have always been on the statement due date. Also I want to ensure that this will not be negatively impacted on my credit report.
my account is closed and its been years and IRS has also collected this information and considering my income i have already paid it off
I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX  owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA  and XXXX XXXX guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Allianceco Is reporting the exact same account two times on each of my credit reports this as we all know is a violation of the FCRA and is also a {$500.00} violation each time inaccurate information is purposefully reported to a credit bureau - This mistake has been pointed out to Allianceco multiple times in writing and they still are reporting this account more than one time to each of the three major credit bureaus - I will not hesitate to attempt to collect the compensation money due to the FCRA violations if the mistakes are not corrected. The accounts are XXXX XXXX Clinic and the same XXXX XXXX clinic the account numbers have not been provided to me upon request.
XXXX   XXXX   XXXX   XXXX    Has  not answered any of my debt validation letters. They are not licensed to collect in the state of Florida.
There is an account showing with XXXX XXXXXXXX XXXX XXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT
I have to say that paying on line with Primary Residential Mortgage Inc. 's  system was a problem. We would like you to know that when we went to pay our payment of {$2800.00} on Friday XX/XX/18 on there web site ( which we have used in the past ) we never confirmed the payment as the web site gave a notice that it was having technical issues and to try back later. I than noted it on my payment stub to retry on Saturday. I went back in on the XX/XX/XXXX and it showed unpaid with a late charge so I confirmed it and paid {$2800.00}. On XX/XX/18 my bank notified me that Residential Mortgage  had pulled two payments from our account which caused us to over draft. We than called PRMI to be told that nothing could be done. They also went ahead and applied the second payment to XX/XX/XXXX payment which we never authorized. This I believe needs to be corrected as we did not authorize the first payment and should be returned due to there web site system being the problem. It did not show paid in there system on XX/XX/18 which cause me to think that it had not been paid. I would of never had paid it with a late charge if I knew it had been paid on XX/XX/18. For a person that relies on my pay check every two week they have no right to take the money and apply it to when they want. We re just asking to have it reversed.
AXX/XX/2018I noticed a bill from XXXX in the mail. I didn't have a XXXX account so I ignored it. XX/XX/2018 I recieve a notice from Convergent outsourcing saying I was in collections for a debt of XXXX. At this point I contacted XXXX  directly. They asked me information and they verified that there was an account created in my name. The number was a DC based phone number and they noticed that a phone had not been purchased under this account. I asked the XXXX personnel whether an account could be created via online contact only. It was stated in order to establish an account with charges you would have to be at an XXXX XXXXocation. At this point I was asked for the password to the account which i didn't have. I was told not to worry about collections and that this account issue would be investigated. Soon after this I noticed that I had other accounts issued in my name. At this point I set up a credit monitoring service and issued a fraud alert and locked my credit so that I could not be further compromised. XX/XX/XXXX I was contacted by a debt collector I can only assume is related to Convergent and stated to the the person on the phone that I had issued a fraud alert and that my identity had been stolen. I also stated that I had filed a police report related to these events.The individual on the phone ignored my statement and tried to say that I was still responsible for the debt.
I paid off my AMEX card on XX/XX/XXXX, {$780.00}. The available credit has not shown up as of XX/XX/XXXX, I am leaving tomorrow to North Dakota, and planned on using it to pay for gas. I am also XXXX    XXXX, so i can chat, or email. I can not make a telephone call. When i chatted with support, they said they would be able to remedy the situation, but that I would have to call someone ( another agent ). When i told them that i couldn't do that, they said " well, you are going to have to wait another 4-5 days then. '' Basically, if the problem could have been solved by a person who did not have a XXXX   XXXX, but not by one who has, this is discrimination. They didn't even attempt to help me once I told them I can't XXXX. Game over. They quit. Now I am stranded, and have no money, because I spent everything to pay off that card. In the past, payments were applied immediately, and I was able to use them right away. Had I know this beforehand I would not have done that, I would have kept some cash to pay for my fuel. Now I have no money, a card that doesn't work, and can't get to North Dakota for my job. I feel totally helpless, and completely ignored and pushed aside. They have my money, hostage, and I can't get it back. Please help me, or at least make sure they can't do this to someone else in the future.
I asked for my yearly credit reports from XXXX XXXX XXXX, XXXX Equifax online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and Equaifax stated they had been sent, but I never received them. XXXX would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with Equaifax, and they will not even let me see my report.
My credit report shows two accounts that belonged to my parents, not me. The first is called " Chase Card ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX XXXX ( Closed ), '' which was opened XX/XX/XXXX.
It is the practice of my mortgagor , Ocwen, to report my mortgage payments to credit agencies 3-4 months after payment is ma de. For instance, my  XXXX  credit report currently lists  XXXX  as my last mortgage payment as on time.     I would expec t Ocwen to promptly report my most recent mortgage payments to the credit reporting bureaus to insure accuracy of my credit score.
Select Portfolio Servicing is a collection agency, not a mortgage Co.. Therefore I believe they do not have legal right to foreclose on my property. They have been harassing me with foreclosure, sheriff notices since year 2004. There is a statute of limitations to collect on a debt. I already owned my home. I did not purchase my property from SPS. I took out a home improvement loan with a mortgage company called XXXX. They are no longer in business. SPS refuses to produce original wet ink note on property.We went through numerous modifications. With higher payments.Always at the end of trial period, they have repeatedly lied about paperwork and documents missing.The last modification they wanted us to sign was for a whole new amount due, well over {$100000.00}. My principal due on loan was only {$71000.00} at that time. I refused to sign.SPS was adding attorney fees, property inspection fees, misc fees. No one ever came to my home to inspect. I have tried to make payments, sent through XXXX XXXX. SPS returns payment, will not accept. This has caused stress related illness with the constant badgering. I demand SPS to cease and desist any further contact, through the courts or otherwise. There are many, many others experiencing this same treatment from SPS. They have filed complaints as well. Why are they still allowed to be in business??
I have a mortgage with Nationstar now known as Mr. Cooper. I was filing an appeal regarding my taxes and since I had not had my appeal hearing the taxes due were 85 % of the possible taxes due. Nationstar paid this amount. Early XX/XX/XXXX as a result of my appeal there was an additional amount due of {$240.00} due. I received a past due bill from the county.  I contacted my mortgage company on XX/XX/XXXX and was given an address to email the bill and was told it would be taken care of. Well it hasnt. I called back about 10 days later and spoke to a XXXX who advised that she had escalated it and that it would be taken care of by XX/XX/XXXX.  Still not handled. I called yesterday XX/XX/XXXX and spoke to XXXX. She said I didnt have any past due taxes. I explained the situation to her again and she advised that if it was approved it would be paid within 5 days. I asked to speak to a manager. I spoke to XXXX and she advised that she would send the information again and that it would take 5 days but told me that she would contact me today. I heard nothing. I have an escrow account with them and they are not taking care of this issue.