WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX, claiming to be an independent processer- -in conjunction with XXXX County Georgia , has been leaving messages on my cell stating that I need to call him to verify my address in order for him to serve me legal documents. He 's also been calling my mother and other family members- -My mother is XXXX years old. On XXXX/XXXX/XXXX, XXXX XXXX XXXX called from XXXX XXXX XXXX stating that he too needs to verify my address and schedule a delivery of legal documents. He called from XXXX, but stated that I need to return his call to XXXX ; which happens to be the same phone number that XXXX XXXX XXXX is calling from. Because these calls sounded very suspicious, I googled both caller names and phone numbers and found that these gentlemen are " intimidators '', so to speak. Upon returning their call, the consumer is transferred to a payday loan collector. Therefore, I suspect that the calls to me are for the payday lender Spot Loan. I borrowed from them in XX/XX/XXXX and repaid nearly twice the amount of the principal. After learning from a credit counselor that I had overpaid this loan and that the lender is illegal in Georgia, I took action and stop paying them. I sent them a cease and desist letter by certified mail. My letter included a detailed explanation of my non-intent to render any further payments.
SunTrust are offering a sign up bonus of up to {$300.00} on their checking accounts when you use the promotional code XXXX : Earn {$100.00} for opening the Essential Checking Earn {$200.00} or opening the Select Checking Earn {$300.00} for opening the Signature Advantage Checking You also need to complete the following requirements : Deposit at least {$100.00} within 14 days of account opening Complete at least {$500.00} in direct deposits within 60 days of account opening Make at least 10 debit card purchases wihtin 60 days of account opening -- -- -- -- -- -- -- -- -- -- -- -- - I opened the Signature Advantage Checking account in the branch becuase online was not working. The Suntrust rep assured me that I was eligible for the bonus. However now when I call them they tell me I am inelegible for {$300.00} bonus.
Addendum to case # XXXX XXXX - approved for XXXX based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XXXX - called to make sure XXXX payment amount is correct ; account rep said my family size was incorrectly input as XXXX. Account rep says that it was probably an input error. I checked my form later and there 's no way I filled in I had a family of XXXX. Now, I have to resubmit my XXXX application with correct family size ( which is nothing, because it 's just me ), even though it was their fault, and I had to figure it out.
I received a letter from Professional Placement Services LLC dated XX/XX/XXXX stating I owed them money for a medical debt. I checked my credit report and did not see any debt collection on it and believe it is not mine so I sent them a debt validation letter per FDCPA law 15 USC 1692g Sec. 809 ( b ) on XX/XX/XXXX. I also informed them in the letter that under the FDCPA and FCRA laws it is a violation if they report this inaccurate account to any of the credit bureaus. On XX/XX/XXXX I received and email alert from XXXX XXXX that new information was just added to my credit report. I signed in and saw that Professional Placement Services LLC added a negative collection account to my credit report. They still have not responded to my debt validation letter and they illegally placed this account onto my credit report.
I tried to withdraw a sum of XXXX from coinbase on theXX/XX/2018, the withdrawal was supposed to arrive at my bank account on XXXX XX/XX/2018 but has still not arrived. I have contacted the company numerous times to no effect. I have not been given any reason or explanation for the delay. In fact as of now I don't know if I will ever see my money again. The customer service does not have a contact number where you can speak to anyone. The only communication I have had was 48 hours after I raised the issue. The response was that my case has been esclataed. 4 days later I have heard a single word from anyone. I am angry and frustrated and I feel helpless. This is not a fair way to treat anyone especially a customer that has helped the company make profit
XXXX XXXX XXXX LETTERS VALIDATE YOUR UNLAWFUL CALLS AND SKIP TRACING ACTIVITIES IN VIOLATION OF FDCPA AND TCPA! THIS IS MY NUMBER AND HAVE VOICE RECORDINGS AND RECORDS. THIS MATTER IS ALSO ABOUT MY WIFE XXXX TO WHOM ALSO REC ' PHONE CALLS TO HER WORK, CELL AND MY NUMBER ON SEVERAL OCCASSIONS, ALSO HAVE ALL RECORDS.
MY mortgage company started out with XXXX, then XXXX, Green tree, DITECH, Now DITECH FINANCIAL LLC. in XXXX transferred to GreenTree a debt collector as XXXX failed, then transferred to ditech. I started to questions the validation of debt and green tree or Ditech has yet to validate the debt. My understanding my deceased husbands estate XXXX out the balance of the mortgage when he passed away and information was provided to green tree and ditech. Public Policy and Alabama Law as a widow and heirs we have rights. The are continuing to report on my credit report now stating I had a mortgage with them XXXX/XXXX/XXXX this is a complete lie. I never had a mortgage with GreenTree or Ditech or signed a contract with them XXXX/XXXX/XXXX. to make it clear I signed a note with XXXX and I have documents of this. XXXX has released the lien and satisfaction of mortgage. Ditech has changed to Ditech LLc a debt collector and continues to report on my credit report and will not XXXX out the balance. I do ask them to credit my account. I have asked many time to see both sides of the books and a complete audit and they refuse. I hate to have to sue I will receive a large sum for all the fraud this company has done. Nor did I ever authorize this company to have my personal information. I have my common law copyright and trade mark on file in the county I live and sent a copy to Green tree. They have ignored me.
I have contacted Equifax several times over the past two to three months advising them that there were multiple requests for my credit file ( inquiries ) that I do not recognize or recall authorizing. Equifax has refused to remove the information ( inquires ) stating that it is a factual record. I have submitted written documentation requesting for these inquires to be investigated and Equifax again, refused to remove the information. I have notified Equifax that my information was compromised by a security breach from the federal government which was a previous employer and Equifax still refuse to remove the information. I have sent verification of my identity and requested in writing for this information to be removed and Equifax has refused to do so. I would like this information removed from my credit file.
I just turned XXXX and I want to make sure my credit is clean. I have had notifications that someone had applied for credit in my name. I have had XXXX inquiries on my credit report, and I just graduated from high school. I did not make any inquiries on my report, and want to make sure that I am not a victim of identify theft. At this point, I feel that this has possibly happened, as they had my addresses from the last three places I lived.
Security Finance makes it impossible to make loan payments on time by having the online app fail. When customers call to pay, they are unable to find the correct account and pressured to renew or borrow more money. Payments in the mail get lost. Late fees and interest are high, so making payments difficult is a way to dishonestly collect more money from borrowers. 

My branch is supposed to be XXXX. When I call, I'm told It's XXXX, but they don't have the number. All I have is a handwritten form with the wrong phone number on it. 

I want to pay on time. I think I've been scammed, and I don't know how to make it stop.
I experienced job loss, divorce, and a death in my family that contributed to my hardship, and the necessity of requesting a mortgage modification. I contacted a HUD approved counseling agency to help facilitate the mortgage modification process and at this point we are at a stalemate with StateBridge mortgage loan servicing company. My mortgage was sold to StateBridge over XXXX year ago, I have been in the process of trying to modify my mortgage throughout this entire time. Before StateBridge, purchased my mortgage it was with XXXX mortgage loan servicing company, we were at the final stages of reaching a modification when my mortgage was sold to StateBridge. My taxes and insurance were escrowed with XXXX and It was my understanding that the same would be true when StateBridge started servicing my mortgage. I had homeowner 's insurance through XXXX and StateBridge put forced-placed insurance on my property during the time my policy was still active with XXXX. My XXXX policy was not paid through escrow as a result my policy lapsed. StateBridge is requesting that I reinstate my homeowner 's insurance policy to approve my mortgage modification, however XXXX will not reinstate the policy without proof of insurance from StateBridge. StateBridge will not provide proof of insurance for the force placed insurance. We are at a complete stalemate at this point. StateBridge has made several errors reporting this loan to the credit bureaus and were forced to delete this loan from my credit report. It is my belief that this loan is predatory in nature, and I am requesting a fair loan modification based on the low loan balance, high interest rate, and the value of the property.
I got a letter from Allied Interstate LLC. claiming that i had a debt of {$19000.00} from a XXXX XXXX /XXXX   account. I have NEVER procured, solicited or entered into any contract with XXXX XXXX/ XXXX over any of their services or products. I would also like to stress that the first name that appears on that account is not my own. This fact alone should make their claim null & void. I have asked for proof of claim for them.
PHOENIX FINANCIAL continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted PHOENIX FINANCIAL is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform PHEONIX FINANCIAL that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I was looking through my XXXX XXXX and see I have a hard inquiry on XX/XX/2018 XXXX XXXX / XXXX XXXX. I do not shop there. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.
Recently a this company has been spam calling me and texting me, making threats against my Credit and continuing to contact me after requested not too. Over mulitple expired debts. They claim I owe over 600 $ for a phone bill with XXXX. I and over 1000 $ for a phone bill with XXXX and making threats that they will attack my credit score to intentionally drop it to damage my life if I do not pay. They have called and texted me multiple times everyday for the past 3 weeks since XX/XX/XXXX to XX/XX/XXXX. Even after being requested to stop all contact around XX/XX/XXXX. Thus many Laws have been broken by this company, and they keep trying.
I sent a payment to Capital one and it was applied to the wrong credit card number. This left XXXX credit card with a credit balance and another with no payment made. Capital One is telling me that they ca n't apply the original payment to the correct card number or move the large credit balance left on the incorrect card without holding the funds and my credit up for at least 48 hours. They have had the funds for 14 days.
I was alerted on XX/XX/XXXX of a hard credit inquiry on the same date with XXXX  for a Synchrony XXXX card. I have applied for no credit in any form so far in 2019. I had a similar unauthorized credit inquiry on my XXXX  report from XXXX and they were able to identify the app, shut it down, and remove the credit inquiry immediately. 

Synchrony on the other hand is unable to find anything on their end, or any reason to justify why they pulled my credit. Multiple call attempts and transfers to different departments have resulted in no resolution.
XX/XX/2018 I opened the XXXXXXXX XXXX XXXX store credit card through XXXX XXXX. Was making purchases and paying balances off but the bank was never crediting my account and charges late fees, penalties, and interest to my account. Also, reporting to the credit bureaus as my account being delinquent. When calling to speak with a representative she stated they did not have my correct address and was receiving return mail from me. However, when we verified my address with what they had in the system it was correct.
I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX
Telephone conference was scheduled for XXXX XXXX, 2016 at XXXX EST., with the Line of Credit Deparment and the assigned Resolution Specialist ( XXXX XXXX ). The Bank of America 's XXXX Branch in Virginia, one of their Personal Banker assisted me on XXXX XXXX with the following : 1. Checking account 2. Loan Modification 3. Payments 4. Discrepancies due dates is it the XXXX of the month or the XXXX of the month and 5. Negative information being reported to the XXXX major credit bureaus. The Personal Banker was very helpful but it was upto the LOC to resolve my issues. I contacted XXXX XXXX and left a voice message asking her to contact me regarding our XXXX scheduled telephone meeting. Also, I contacted the LOC department and was placed on hold for approximately XXXX minutes or longer and was discounted. I visited the XXXX XXXX Branch on XXXX XXXX, 2016 and asked the associate to help with my checking account and the LOC and was told to contact the LOC department. This is not good customer service.
In XXXX of 2012, I purchased a water heater from XXXX and paid with a check, when I got the water heater home, it did not fit where I needed it, so I return it, it 's over an XXXX drive for me, when I took it inside. The manager advised me that they could not refund me for 14 days ( until the check cleared ). So I left the water heater there and did a stop payment on the check. She wrote me a receipt of returned item which I kept for several month but now it 's been over 4 years and I find on my credit report a collection for this stop payment check. I disputed the item and after investigation which only took about a week I was told it was confirmed. XXXX should have never collected on this check through the third party that guarntees the checks because the item was returned.
Originally, I opened a single checking account at Wells Fargo. Agents of Wells Fargo then began opening new checking accounts and credit cards in my name, going so far as to move my balances around the different accounts. When I asked them to close all my accounts, they stated they would, but never did. This resulted in overdraft fees, and a huge negative impact to my credit.
On XX/XX/2017 Receivable Performance re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.
I submitted an inquiry with Equifax on XX/XX/2018. Case # XXXX. 

The inquiry was regarding a recent, sudden drop in my credit score reported by Equifax. This erroneous drop was alarming especially since my credit scores from XXXX and XXXX  had gone up a few points. My credit score reported by Equifax made a sudden drop of 39 points from XXXX to XXXX. I monitor my credit scores closely and this sudden drop prompted me to carefully review my credit report for potential fraud or changes. No information on my credit report had changed. No factors including how much money I owe, how long I've owed it, no new accounts, no recently closed accounts, no change in the number of accounts, no changed in payments, late payments, or missed payments, no recent hard inquires, no changes in types of credit accounts, no changes in derogatory remarks. My credit report had not changed at all since Equifax had reported my score prior to XX/XX/XXXX. 

In my inquiry, I asked them to investigate why there was a sudden, erroneous drop in my credit score. Equifax made no attempt to investigate. Instead I received a stock response email followed immediately by another email closing my case. Per that email, Equifax stated : " If this issue is not resolved to your satisfaction, you may reopen it within the next 5 days by responding to this email. '' I responded to the email the same day asking for them to investigate my account and my case. I was immediately sent sent another email closing my case. Again, Equifax state in the email : If this issue is not resolved to your satisfaction, you may reopen it within the next 5 days by responding to this email. ". I emailed them yet again asking for them to investigate. I have yet to receive a response. It has been 16 days from my last correspondence. 

Equifax made no attempt to investigate my inquiry.
I had a XXXX bill show up on my Equifax credit report. I called XXXX they said it was not my account. I filled a dispute with Equifax. They said the did an investigation and it came back it was my bill. I called XXXX they say the account number does not belong me. They also told SS # does not match any account.
The original financed amount of this car loan ws {$17000.00}. We have paid so far {$31000.00} because of late payments and nonsense fees. The representative explained that there is still a principal balance of {$3200.00} because so much of our payments was applied to these fees and interest charges. 

That means {$13000.00} was not for the car. 
{$12000.00} went to interest and {$680.00} was applied to late fees. 

Now I realize late payments impact a car loan, but this is usury.
The debt collector XXXX XXXX originally opened the debt collection on XX/XX/XXXX for the amount of {$12000.00}. I don't recall being contacted by XXXX in an attempt to set up a payment plan or explain what this debt was for. On XX/XX/XXXX this debt was given to another company by the name of XXXX XXXX XXXX, I was not informed of this change and I have never spoke with anyone from XXXX XXXX XXXX.
I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a   XXXX   XXXX   XXXX   #  XXXX   XXXX    XXXX   #  XXXX , There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed  debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601  et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by t he Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
I have XXXX hard inquiries on my XXXX report and 6 hard inquiries exqifax report witch I affecting my credit score I have tried for a long time now to try to correct it but it was only overlooked properly. I have contacted the reporting agencies/ company/ banks in regards to the inquiries that Im not aware about I have also submitted police report and they refused to help me. I am not aware of the reporting inquiries but I am requesting that it gets removed from all three credit bureaus I did not authorize any use of my information
The balance now is {$290.00} and it was {$240.00} and we were sent a letter of default when we have n't missed a payment. The manager of this place will call you 4 to 5 times a day. She has called people of contact more than one time a day even when you tell her when you will pay and what you will pay they continues to call. This is harrassment and should n't be happening. She is rude and if she is doing us like that she is doing others the same way. We have had a loan before from another branch for more money and we were never treated the way we are now.
On XXXX XXXX, XXXX, I filed for bankruptcy chapter XXXX which included my mortgage company Flagstar Bank as a creditor. I never reaffirmed any debt with Flagstar Bank as they did not attend the meeting of the creditors. My chapter XXXX was discharged on XXXX XXXX, XXXX. In XXXX XXXX, I contacted Flagstar Bank to request a loan modification, which at this point I was only month behind in payments because of lost wages due to XXXX and prior injuries. I submitted all requested documents to Loss Mitigation at Flagstar. I resubmitted other documents as requested to Flagstar along with current bank statements as needed. In XXXX XXXX, Flagstar Bank filed for foreclosure with the XXXX XXXX XXXX XXXX. In the Preliminary Loss Mitigation Affidavit, Flagstar stated that the loan modification was denied because I filed for chapter XXXX bankruptcy on XXXX/XXXX/XXXX which disqualified me for FHA modification and HMP. I did not file for chapter XXXX on XXXX/XXXX/XXXX. My chapter XXXX was filed in XXXX and XXXX in XXXX. Again at the time of my modification request I was qualified for a FHA modification and HMP as I was only a month or two behind in my payments. Additionally, Flagstar Bank violated bankruptcy laws as they continued to contact me demanding payments after I filed chapter XXXX via telephone, mail, emails, etc. In XXXX XXXX, a mediation hearing was held at the XXXX of Administrative Hearings. Again, Flagstar refused to modify the loan. To date, foreclosure proceedings are still pending with the court and all attempts to modify the loan were unsuccessful.