WillisBack/dataset-financial-user-claim huggingface dataset:
I had moved and have not been getting any bills, however my phone number is on file, because I 've order items prior, and subsequent to moving for in-store pickup, and I 've received text messages from the company for confirmation. I have been reaching out to Macys via phone and email to pay a store bill for months.It is obvious that they have changed how they conduct business, because it is quite difficult to speak with their representative. I have been left on hold for lengthy periods of time, had the phone hung up because they claim they can not hear me ( bad connection is on their part, because I 've called from different lines ), I 've had a " supervisor '' abandoned my call, by telling me to hold, then placing me back to their automated system.I have left messages for supervisors to call me, to date no one has given me a call.All I 'd gotten is an automated response after emailing them, informing me that someone will contact me, no one has.They have reported my name to the credit bureau, that has caused my credit score to decline.This is quite unfair, because I have been reaching out to Macy to get the bill settled before it escalated to that. I 've called numerous times, and I 'm always being given conflicting info regrading my account balance. I 've been told I owe various charges, and that I have XXXX late payment fees ; which could not be the case, because the bill is not owed for 6 months.When I ask to speak to supervisors, I 'm being transferred to regular agents who can not assist me.I need for all late fees and interest rates to be taken off my account, so that I can pay the initial balance of {$72.00}, and to have my name removed from the credit bureau.I have asked for an address to dispute these charges, and was told that they do not have any address, so I would like your assistance in how I should proceed in getting this resolved.
I few weeks ago I was in discussion with a couple of my friends and related that I thought that I had been treated a little unfairly by my HAMP mortgage holder, Specialized Loan Servicing. They told me about Consumer Financial Protection Bureau and that you help and protect consumers who may have a disagreement with their financial institutions. So I have decided to contact you. In XX/XX/XXXX I applied to XXXX XXXX for a HAMP loan which was completed and sent to the bank. On XX/XX/XXXX I faxed an appeal to XXXX relating that I had misunderstood the directions on the Hamp application. I had checked off both owner-occupied and second home which I should not have. I 'm the sole owner of the HAMP property ( located at XXXX XXXX, MD ) and co-owner of another condo and my mindset was in order to be as thorough and honest as possible with information, I somehow had to show both properties. My mistake in not fully understanding the HAMP form requirements. I explained that I spend 4 to 5 days a week or more at the XXXX XXXX property. I have XXXX XXXX and have had a XXXX XXXX XXXX, the salt air at XXXX XXXX is beneficial and therapeutic for my medical well being and my occupation allows me the benefit of being able to work during my time there. Therefore under HAMP rules this should be considered a primary residence. I have attached that appeal and the related Hamp application. Reason number one is the item in question and reason for this correspondence to CFPB, reason number 2 has been resolved with the bank. I then called XXXX to inquiry about my appeal, they said that the loan had been sold to Specialized Loan Servicing ( SLS ) and I would have to take up the situation and appeal with them when the loan is fully transferred. When I received official notification of the transfer, I then faxed the same appeal documents to SLS. I then later asked SLS about the status of my appeal and was send a letter of denial on XX/XX/XXXX. The letter indicated that my original appeal with XXXX had been denied and SLS was holding to that decision. But that was not truthful and very discerning because of my knowledge of my prior conversation with XXXX and the fact that I never received a letter of denial from XXXX. Please keep in mind that my loan was still in process and not completed or approved as yet, letter is attached. The consequence of all this is that the {$82000.00} principal was deferred rather than forgiven based on my application error which I attempted to correct very early in the approval process. My husband and I are both on social security and I believe that I am rightly deserving of a reversal of SLSs decision. I understand SLSs desire to keep the money in deferred status for financial reasons but my understanding is that HAMP was created to assist the borrower not the banks. I give my permission for XXXX XXXX, my husband, to ask and answer any questions in this matter. Thank you, XXXX XXXX XXXX SLS Loan # XXXX
My mortgage was originally held by XXXX. In XX/XX/XXXX they sold my loan to Caliber Home Loans ( CHL ). On XX/XX/XXXX I received a call from a CHL representative XXXX employee ID # XXXX stating at that time my account had a credit of {$820.00} making the amount due for XX/XX/XXXX {$660.00}, which I paid during our conversation. Since that time to present my account has not been correct. I have made my monthly payments via phone each month paying the amount the representative showed owing on my account at the time including occasional late fees. I started receiving Pre-Foreclosure Notices, the first dated XX/XX/XXXX, sometimes multiple copies of the same correspondence on the same date. At one point the representative I was speaking with told me, when I asked to speak to a supervisor, that none were available, however ; I could speak to someone in a lower position than him or " hold for thirteen hours '' to speak with someone with authority enough to correct my account. Being fearful of loosing my home, and unable to get a clear answer from CHL regarding the actual amount due, I started the Loss Mitigation process on the advice of the representative. 
After receiving the application I completed all sections, attached the documentation requested, faxed and emailed the packet to CHL on XX/XX/XXXX. This information was requested again numerous times which I both emailed and faxed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with additional documents requested sent on XX/XX/XXXX and XX/XX/XXXX. Today, XX/XX/XXXX I received notice that the Loss Mitigation was denied due to the documents requested not being provided. Although on XXXX XXXX, XXXX XXXX, employee ID # XXXX, stated CHL had everything they needed, underwriting had the packet and would have a decision within thirty ( 30 ) days. He also suggested that I phone once a week for a status update. 
It has also been brought to my attention that the last half of my XX/XX/XXXX Real Estate taxes due on XX/XX/XXXX were not paid on time and have accrued interest and penalties.
My Old Navy/Synchrony store card was closed and I got sent a Visa Old Navy card. But I still had a balance on the old card which Synchrony kept calling me about. So I sent in a payment but it got auto-applied to the new Visa card, not my old card, and the history clearly shows this is the case.
However, they call me like 5-8 times a day to collect on the old card, and even when I make a payment over the phone it does n't 'take ' and I keep getting the calls. I typically do n't answer the calls but when I do, they say Hello and hang up. It 's the oddest thing you can possibly imagine, but I 'm afraid their incompetence and negligence is going to affect my credit history. Please Help!
I accepted a settlement offer to make 12 consecutive payments of {$49.00} to settle my debt. It was agreed I would send in a money order by the XXXX of each month. I made a payment each month beginning XX/XX/XXXX. XX/XX/XXXXpayment was shown delivered at XXXX XXXX on XX/XX/XXXX. The company states they terminated my agreement because the payment did not post to the account until the XX/XX/XXXX. I  have all documentation and yet the company will not honor the agreement.
I applied for a mortgage for a rental property and the fellow that i had worked with on a couple properties in the past 3 years informed me that there was a unpaid debt in collection. This was lowering m y credit score  which might cause a higher rate. He gave me the name of the collection company and the  XXXX   XXXX  number.     I called them and they asked for a letter, which I sent to them. A week later i received a letter from them that collection efforts would seize and it would be removed from my credit report.     A week later I received a call from a different collection agency for the same bill. To say that i was irritated is an understatement. Over the past couple weeks I have argued with at least 20  XXXX  representatives.     They want me to get notarized statements and fax them the info.     Why should i have to pay out money for their mistakes. I told them the y may  have a policy, but my policy is to not pay for their mistakes
I contacted Transunion regarding a XX/XX/XXXX bankruptcy chp XXXX. I informed them that this was not my information. I had a chp XXXX that was removed in XX/XX/XXXX the chp XXXX is now reporting as verified. I contacted the court house and they did not provide this documentation. They did find a chp XXXX in the I formation. I have challenged this information 4 times this year. Information is fraudulent and must be removed. Also Transunion reps refuse to remove information they have not researched.
XXXX XXXX XXXX XXXX XXXX XXXX File XXXX Citi fraud team texted and call me about unauthorized fraud transactions and closed and replaced my XXXX account ending in XXXX Citi bank lied my card was lost or stolen where as some one from citi bank leaked my XXXX information to unauthorized person. 

Status Date Description Amount Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} Cleared XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX XXXX   {$23.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  {$11.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX  {$79.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX   {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX   {$78.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX  {$77.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$75.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX   {$69.00} Cleared XX/XX/2018 XXXX 'S # XXXX XXXX XXXX {$21.00} Cleared XX/XX/2018 XXXX 'S # XXXX XXXX XXXX  {$20.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}
Ref : Credit Freeze and related charges Equifax - Security Breech I was notified that my credit information was included in the Equifax Security Breech in XX/XX/XXXX of this year. It was '' recommended '' that I place a " Freeze '' on my credit line to ensure that my credit would not be impacted and to take their " Free '' one year credit monitoring program. This recommendation came from Equifax and I did take their recommendations. HOWEVER.. 

When I try to place a Freeze on my credit with the other two credit companies : IE : XXXX and XXXX - I 'm required to pay a " FEE '' to place a " credit freeze '' on my credit line with their companies. 

I feel that Equifax is responsible for these " additional charges '' due to the fact that the Breech of security was due to Equifax lack of the proper security on their computer system. Its their fault and NOT mine. Therefore ... and all charges related to placing a freeze on my credit line with the other two companies should be picked up by Equifax.. 

YES ... I understand Equifax have taken " some '' steps to help those who were caught unaware and involved.. BUT ... are " falling far short '' of their responsibilities and " covering/picking up '' the freeze charges from the other two credit companies. 

I have discussed this issue with Equifax and they simply state that is not their responsibility and they will not pay the " Freeze '' charges. 

I feel that the individuals who are caught up in the Equifax Security issue ... ( which is no way their creation but, now involved and at risk ) ... Should insist that Equifax pick up any additional charges that are involved with placing a Freeze on their credit line.. 

IF .... Their Ex-CEO ... can walk out of their company with XXXX XXXX - and take no responsibility.. is SIMPLY Wrong .... 

I want to see something done ... ... and for Equifax to step up to the plate and take full responsibility ... and cover those involved with the security breech. 

By not contacting each individual who " could be '' impacted by the breech ... and not automatically placing " Freezes '' on the credit lines for those involved ... and only doing so ... when a individual contacts them ... is simply wrong ... They are not " Protecting their Clients '' nor stepping up to take full responsibility ... 

Many people are still un-protected..from possible fraud.. 

What can be done???? Better Yet ... .. What will be done..???
This is a case of a debt collector sending a written communication that looks like or is falsely represented to be an official document from a court which is against Federal law. Mandarich Law Group " served '' unfiled pleadings on me, a Complaint and Summons. The Summons read that I had to file a response to the Summons within 20 days or a default judgment could be made against me. Neither the Complaint nor the Summons had Case Numbers and they were not conformed copies from the Court Clerk. The unfiled Summons made it appear that I had to take immediate action and when I attempted to do so, found that it was unnecessary and a waste of time because there was no case filed against me. This is clearly a tactic to make a person feel intimidated and scared about legal action when none has been taken. According to Federal law : It is illegal for a debt collector to send a written communication that looks like or is falsely represented to be an official document from a court. That is exactly what Mandarich Law Group did to me.
On XX/XX/XXXX I contacted XXXX XXXX XXXX via certified mail regarding an account they claim I owe in the amount of XXXX. I sent a letter stating : This letter is regarding account # XXXX which you claim I owe XXXX. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

XXXX XXXX XXXX responded with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX  bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX and I never created a account with them or the original creditor XXXX.

On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX with the same response as the first letter they sent me.
1 I have been paying my mortgage to Gregory Finance Company for 3 years and now I need to refinance my mortgage. They have not sent my payment history to the credit bureau. 
2 I was verbally told by them I need to pay {$1800.00} to bring my account current which was due to some disputed charges. I was to get back {$5900.00} in escrow and to date they have refused to pay me back my escrow overage. I could not get any written communication from them
I was recently scammed and Bank of America is holding my liable for the sum of {$47000.00}. They closed my accounts and took all of my money in checkings account and savings account even after explaining to them that i was scammed. I have no money to my name and no way of paying this amoung.
Hello, I requested my credit report from TransUnion only to find out that both my information and my sister 's info is mixed together under our individual SSN. When they pulled out my info with my SSN it has her name as Personal Information and my name as XXXX. The same thing happened to my sister as well when she checked her info with her SSN. Her Employer, Credit Cards, etc are all mixed with my info. I have called TransUnion XXXX times to get this issue resolved. They claimed they have resolved it on their end but I will have to call XXXX and XXXX individually in order to resolve the issue with them.
This company called " The XXXX XXXX '' sent me a letter about 1 week and a half ago. 
They said I had a debt that totaled over {$1700.00}. The original creditor was XXXX XXXX XXXX, which I did belong to in XX/XX/XXXX/XX/XX/XXXX. I seem to remember cancelling my XXXX 's membership in XX/XX/XXXX, because I wasn't using it anymore. I thought that was the end of it, until this " XXXX '' sent me the above mentioned letter. 
" XXXX '' went on to say in this letter that they would except a one time payment of {$340.00} or 12 monthly payments of {$38.00}. They went on to say that if I didn't arrange and agree to a payment, then they would file a XXXX form against me with the I.R.S. I'm willing to settle the debt from XXXX 's but I think this " XXXX XXXX '' might be bogus and therefore a scam.
I have been a victim of scams from this modification program at XXXX. Loan # XXXX. XX/XX/XXXX ... down payment of XXXX and monthly payment of {$790.00}. XX/XX/XXXX ... down payment of {$1000.00} and monthly payment of {$540.00}. XX/XX/XXXX ... down payment of {$800.00} and monthly payment of {$590.00} ... that's a total of {$4000.00} ... on down payments ... '' BUT '' XXXX offers loan modification assistance free of charge ... no modification fee required. These down payments engaged in unlawful collection and servicing practices. Use " Robo-Signing '' and fraudulent court documents to evict ... property at XXXX XXXX XXXX, XXXX, NC XXXX ... after living at property for 15 years. I also filed a complaint on XX/XX/XXXX with the Federal Trade Commission. Ref # XXXX.
United Acceptance is claiming that I owe them for a vehicle loan, when the Contract clearly states that I did not enter the contract with United Acceptance.
XXXX wireless mobile account listed in my report is not mine and is in another state, Ohio.
The reason for my complaint today is because I have faxed Equifax on several occasions my drivers license and Tax returns in an attempt to Permanently remove the Extended Fraud alert on my file and to update my current addressXXXX XXXX XXXX XXXX FL XXXX. 

They claim that they have not received my fax and are asking me to re-fax the information to them. I am attaching my Tax returns to this complaint and my drivers license that shows my current address that I am wanting to be updated.
XXXX XXXX. Spoke with representative about my 3 account and she notated that all 3 Would be paid by the end of the month XXXX XXXX another representative called about my accounts and I told her that I have already made arrangements on all 3 of them XXXX XXXX. Another representative called about my accounts and I told her again that I made arrangements and to please stop calling since arrangements were made yesterday and this makes 3 times
XXXX XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX credit report on XXXX XXXX, 2015 stating that I owe a balance of $XXXX I never signed a contract with this company to agree to pay any debit's owed. Therefor I am not responsible for any debits owed to this company
I 've always made my payments on time and I totally forgot that I had a balance left on the card and did n't receive anything in the mail in regards to payment because of travel and holidays.
XXXX  XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX
I applied for a Walmart 's credit card, on XX/XX/XXXX, according to the details in my credit report, and, yes I was approved but I never had received the credit card and the credit limit on the credit card was in the amount of {$600.00}. I had then contacted Walmart 's credit department at their corporate office in Texas when I was told by a representative that the card was sent out, I then told the rep. that I had never received the credit card, the rep. apologized and asked me if I would like them to resend the credit card and I replied, " yes '', but once again I never received credit card again. I contacted Walmart again and requested that the card be cancelled. The card was cancelled on XX/XX/XXXX, according to my recent credit report, but that doesn't seem accurate because in approximately 3 or 4 years ago, there was debit charge amount of {$400.00} affecting my credit score by Walmart because someone had or was using my Walmart credit card illegally and I'm sure that Walmart was in accessary to it, which is why I'm making this complaint against Walmart, regarding their fraudulent involvement in this matter. I had to make complaints against Walmart 's bad behaviour before in the past, so I know how disruptive they can be. Also, in my credit report regarding this Walmart credit card, it states that the credit card was paid out and then closed, but how could that be when I never used or received a Walmarts credit card, ever! It also states in my credit report that a Walmart charge account was opened and then closed in XX/XX/XXXX, and I don't know anything about that neither. Also, I recently contacted Walmart to try to get some important info regarding this mysterious, fraudulent item on my credit report, like the account number, but Walmart wouldn't cooperate like they should have, on XX/XX/XXXX. They also had tried to lie to me by telling me that there was only one account after they had already told me that there was 2. I know that Walmart knew that the credit card would be intercepted after they had sent that card out to me, they are involved in this fraud.
I purchased a TV from XXXX store on XXXX/XXXX/XXXX for {$2900.00} which was on promotion no interest rate for 24 month and after 24 month period would be 26.99 % apr. I made monthly payments for about 2 years in the amounts of approximately {$100.00} on monthly basis on XXXX website. 
XXXX switched their processing bank to Synchhrony financial processing in XXXX and I had to send remaining payment via regular mail to Synchhrony XXXX. 
I send few remaining payments that Synchhrony did not post toward my account and now Synchhrony is demanding {$3800.00} from me to pay and refusing to settle anything less then for {$3800.00}. 
They are refusing to give me any information, they are treating me as I have never made a single payment for the originally purchased item from XXXX. 
After my numerous of attempts to resolve this issue and account discrepancy they forward my account to a collection agency who is damaging my credit history and demanding and harassing me to pay nothing less then {$3800.00}.