WillisBack/dataset-financial-user-claim huggingface dataset:
Received letter dated XX/XX/XXXX on XX/XX/XXXX. Called regarding and business closed on XX/XX/XXXX. XXXX   XXXX XXXX called XX/XX/XXXX and provided incorrect information on debt. They called again on XX/XX/XXXX and harassed us about payment. Informed them I need to determine the debt. Contacted original service provider on XX/XX/XXXX and he was unaware. Did a three way call with service provider and XXXX  and found out need to do research to determine if service provider was paid through Telecheck. Was informed would not be bothered by XXXX  until we had time to verify debt. Received harassing call from XXXX 2 hours later about debt. 

Original debt was with XXXX XXXX XXXX which was paid on XX/XX/XXXX. XXXX XXXX XXXX used Telecheck to process the check. Telecheck claims paid XXXX XXXX XXXX immediately. No contact from Telecheck about problem reading the electronic form of check until XX/XX/XXXX. Was informed debt was transferred to Telecheck and they are using XXXX XXXX  XXXX to obtain payment. XXXX XXXX unaware of being paid by Telecheck for this amount.
I have requested numerous times to have incorrect address, non updated collections Accts And Unverified and non validated information removed from my report along with invalidated information. I received a letter stating it was verified without informing me how the information was verified other than word of mouth by a creditor. I worked for a company who merged files for tax write offs. XXXX  employees are very rude, unprofessional and argumentative. Refusing to escalate my call. Placing me on hold for 37 mins before returing to the line with an attitude. A manger will call you. That was 7 days ago.
I have an account in collections that was fraudulently created. 

XXXX XXXX XXXX - XX/XX/2017 - {$75.00}
XXXX is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with XXXX and XXXX/XXXX/XXXX with XXXX. XXXX had refused to stop and was actually class action sued about this activity in XXXX! XXXX removed the information after being contacted. XXXX has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! XXXX also breached my personal information.
When I called Navient and inquired about the " Rate Reduction Program, '' supervisor XXXX whose employee code is XXXX, said, " We do not offer rate reduction program. '' When I told him that according to several websites ( NOT affiliated with Navient ) that educate students on how they can pay off their private student loans that Navient DOES offer rate reduction program, he said, " You do not quality for it. '' When I asked him why I do not quality for it, he said, " We do not disclose it. '' When I told him I want to know why I do not quality for it, he said, " We do not have to explain why. '' When I asked him, " What do you mean you do not have to explain why? I want to know why I do not quality for the rate reduction program as I am not able to make my monthly payments due to financial hardship? ", with an attitude, he said, " We do not have to disclose why. It 's at our discretion. ''
Some time prior to the initial incident, XXXX contacted me after I had already made a promise to pay. She contacted me the day prior, then again the day of my pay promise. I asked her not to repeatedly contact me unless I miss my pay promise. Once a pay promise is made and they make contact with me, I do n't believe I should be repeatedly harassed for the payment. XXXX, possibly the XXXX or XXXX, got on the phone with me and proceeded to DEMAND a post dated check. I informed her that I do n't have checks then she said that 's what they have to do. However, I had never been demanded a post dated check at this office. She basically attacked me and spoke to me like I was a child. I felt very attacked. I was then accused of using obscene language with others in the past, which I have never done. She claimed that XXXX expressed to her that I had cursed her out before. I informed her that was a lie. She then retracted and said that XXXX expressed I was rude, not that I cursed her out. During the course of the conversation, I was told by XXXX, " I can go at this all day. You ai n't gon na win, '' then " You just mad cuz I called you out on your mess, '' and " I do n't care because imma be ok after this arbitration, honey. '' She then accused me of speaking to her in such a manner because " she 's XXXX ''. She expressed that I spoke to her colleagues differently because she 's the only XXXX girl in the office. It is my understanding that she is new to the office, therefore, I 've never met her and only conversed with her via telephone. This was actually the first conversation I ever had with her. I had no way of knowing the XXXX of her skin and that is absolutely irrelevant and absurd. Never in my years working with First Heritage Credit have I been harassed, disrespected or spoken to in such a vulgar and obscene manner. Prior to this incident, First Heritage Credit has always been professional, sympathetic with my shortcomings, and willing to work with me to find solutions. It baffles me that they would employ such a negative representation with their company. I am absolutely ashamed of this company at this point and never want to do business with them again.
On XXXX XXXX at XXXX hrs I received a call stating I owed an amount on a XXXX which I know nothing about. I called XXXX and they had no knowledge of it. The number on a reverse look-up showed it to be convergent outsourcing XXXX.
American Express very recently charged me a {$450.00} annual fee on a credit card. They then closed the credit card ( which is wrongful as well ). I asked for a refund of the newly charged {$450.00} annual fee, but they have refused. 

The {$450.00} charge was made on XX/XX/XXXX. The card was closed by American Express on XX/XX/XXXX. They should not be permitted to steal {$450.00} from me. 

Thank you.
On  X/XX/2017    an ATM cash withdraw in the amount of {$300.00} was made from our checking account during the night while my husband and I were both sleeping during the hours of  XXXX  and  XXXX  at an unknown ATM machine which we have never used at and area where we are not familiar with. At about  XXXX  I noticed the unfamiliar transaction and asked my husband if he had made it and he said " no ''. We have never loaned anyone our debit cards or shared our pin numbers with anyone. So I called  Wells Fargo to file  a fraud complaint and on   XXXX     they denied our claim.  Wells Fargo ob tained copies of pictures taken of the thief who used the ATM and still they refuse to honor our fraud complaint or reimburse our stolen funds. We suspect that our debit card was somehow cloned by the thief.
We have just completed our 4TH attempt at a loan modification. The first 2 times we filled out this paperwork through OCWEN and we were told that unless one of us dies or we completely lose our jobs that we would never qualify for a modification. The 3rd time we did this, we were successful due to hiring a 3rd party agency ( Paying them {$2800.00} ) ; only to be ultimately denied because of a document delivered to us ( on or about XXXX XXXX ) by OCWEN dated XXXX XXXX, 2016 ( see attachments dated XXXX, XXXX and XXXX ) asking for a payment due on XXXX XXXX, 2016 in the amount of XXXX ( which they received but then returned to me ). 

After being so completely distraught and speaking with Ocwen Agent # XXXX I have been told that my circumstances are unfortunate but I needed to go through the process all over again. See the contract I signed stated that my first payment was due XXXX XXXX, 2016. This contract was dated XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a statement ( payment coupon ) from OCWEN requesting the payment of XXXX be paid on XXXX XXXX ; this is the amount of XXXX and XXXX trial modification payments combined. I TRUSTED that the documentation I received from OCWEN was truthful - however, I have since learned that it was a LIE and a TRAP to cause us to fail! Ocwen ( Agent # XXXX ) stated that since I had been approved for the modification before that I would ( MOST LIKELY ) be approved once again, this time with a lower payment as well. Why did Ocwen continue to send statements with a FALSE due date? It seems VERY apparent that they were TRYING to make us fail by sending contradicting information 3 MONTHS STRAIGHT! 
We were so excited to think that we would be moving forward with the opportunity to have our payment lowered appropriately. 
We have begged for OCWEN to PLEASE SEE WHERE THIS IS A MISUNDERSTANDING and ALLOW US TO KEEP OUR HOME! We can fulfill our obligations based on the modification that they have chosen to reject ... .Ocwen seemingly would prefer that our home be left empty No one wants it ... BUT US! WE WANT OUR HOME! We had it listed with an agent until we found out through working with a 3rd party in XXXX that we were going to be approved for the loan modification. In 90 days we showed the house 6 times and each time we were told it was n't worth asking price ( {$260000.00} ), but more like {$190000.00}. 
Furthermore, the dates on Ocwen 's Modification Appeal Review Completed documents do NOT match up with the dates on my signed contract for the loan modification ... .once again ; OCWEN is at fault for this incorrect information. OCWEN needs to realize this is a communication error on their part! ... .Agent # XXXX even stated that this was clearly a misleading - sending a statement requesting an amount of money on a particular date and then refusing the funds based on a DIFFERENT piece of correspondence that was also sent out by OCWEN .
On XX/XX/XXXX - Equifax stated that there were 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax between mid-XX/XX/XXXXandXX/XX/XXXX.
Upon checking their site onXX/XX/XXXX - my information was shown to be one of those that were compromised.
Equifax wants me to waive all rights and sign up for their XXXX XXXX XXXX which not only will send me spam, but have a limited duration.
I 've contacted Transunion and  XXXX  on multiple occasions and they insist on giving me a hard time. I 've had absolutely no problem with  XXXX  disputing and deleting credit inquiries that were fraudulent and unauthorized. I dont understand why its so hard for these other  XXXX  credit bureaus to address and correct the concerns of the consumers. I know they are in the business of making money while our credit is destroyed but its just not right. I did exactly what I was told to do. I contacted each creditor where these inquiries came from and they told me that I have to contact the credit bureaus. I thought it was the credit bureaus job to dispute and investigate any errors that are on my credit report. If im telling you I was a victim of fraud why would n't they look into it more than they do? If   XXXX    can do it, im sure Transunion and  XXXX  can do it also they are just refusing to be accomadating. Ive called many times because I had names and addresses on my credit report that werent mine. I had  XXXX  different social security numbers on my   XXXX   report and they updated my info and removed the inquiries with no problem. Someone need to investigate the unethical practices going on with Transunion and  XXXX . The FRAUDULENT inquiries are as follows ;   XXXX    XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Transunion  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
My mother XXXX away XXXX XXXX, XXXX. Her name is XXXX XXXX XXXX XXXX. My step father is in a XXXX home and is incapable. I received power of Attorney in XXXX XXXX. After researching their checking account, I I discovered monies being taken from their account that should not have been deducted. XXXX XXXX has refunded about {$6000.00} due to all the areas. I have requested on nine occasions bank statements from XXXX XXXX to XXXX XXXX their were unauthorized deductions from their account due to my mothers untimely XXXX and also my father being a XXXX vet. I estimate they still owe my parents {$5000.00}. XXXX XXXX was deducting {$140.00} from my parents account that was fraudulent. They said my mother requested the accidental insurance during her death. She had already expired. They refuse to work with me to get my mothers final reimbursements for fraudulent charges and items that should have never been deducted due to her XXXX. They keep sending me on a goose chase. They refuse to refund additional monies. They told me that they do not keep Bank statements past 2 years.
Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/2018. I contacted Equifax via certified mailed receipts. After investigating, I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts as well and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, credit bureaus are to provide me with information and physical verification, which I havent received, in order to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.
I have a credit card company, Capitol One, that is suing me for a credit card that was not my account. I began by filing a fraud affidavit for this company, to later be notified that a trial is beset for this credit card that has been fraudulently established in my name.
tried to get a credit card from XXXX..they said that equifax had a freeze .called them 3 days with spending 3 hours or more.they keep transfer me number of timesone said that they would the freeze after 48 hr ... ... called again never removed..some of the no. areXXXX,XXXX,XXXX.andXXXX. and some more ...
I do not comprehend why the debt is charge at my credit without any warnings or without knowing is the person is on the country at the current time. I realize that I owne this money because I check my credit and it was afected without a notice. Another reazon is because I call about the statement and they told me it was my wife. So I do not comprehend how I got charge being a XXXX client and 90 days before getting XXXX which means XXXX should cover her a 100 %.
I received a letter from Citizens Bank dated XX/XX/XXXX on XX/XX/XXXX, attempting to collect a negative balance of {$260.00} in my checking account XXXX. This amount is entirely made up of bank fees and overdraft charges created by a creditor debiting my account without permission or authorization. I have notified the bank by phone and mail about these circumstances, but have not received a positive response. 
I respectfully request that Citizens stop their collection process. I have been a customer of Citizens for 20+ years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA., XXXX XXXX XXXXXXXXXXXX
Portfolio Recovery Associates has been repeatedly violating the FCRA by reporting as a " Factoring Company '' on consumer reports when they are in fact a " Debt Buyer. '' On my XXXX   report, pulled on XX/XX/2018, PRA is reporting as a " Factoring Company. '' I first noticed the account type being reported on my report after looking through posts online at XXXX. There are numerous people reporting this same issue. PRA is a predatory company with no regard for the law as there are reports of them removing accounts from others reports but still reporting as a " Factoring Company '' on others.
Bank of America debited my account on XX/XX/XXXX for a deposit that I made on XX/XX/XXXX. The explanation that I was provided was that the same check was presented at a XXXX XXXX bank on XX/XX/XXXX and that they sent me some information in the mail but they would n't be able to assist me further. I raised my concern about fraud and that my bank should assist in protecting my funds, however, the response I was given was that Bank of America was unable to help me and I had to call the bank that issued the check to discuss. 
The check was issued from a XXXX XXXX XXXX XXXX ( XXXX ), when I called to discuss as instructed by Bank of America, the individual whom I spoke to stated they could only speak to and assist the individual who wrote the check, whom I needed to contact. I have not had any luck in getting the indivdual who wrote me the check to call me back or contact XXXX for them to begin their investigation into the fraudulent activity that ultimately impacted me.
Focus receivables management has no right to contact me or my business. I have no debt and they are phishing for personal information they are not allowed to ask for. Social security number. Date of birth. Mothers maiden name.
my complaint is that the local branch faxed a garnishment-interrogatories and order letter to my job and my check was garnish and I did n't know about it until I had gotten my check. and I feel like my rights were violated because one of my co-workers knew about it and I did n't said he seen it come off the fax machine and I want to know is this proper way it was to be handled. I wanted to call but your office is closed by the time I get off and where I work is too loud so I would really appreciate you guys giving me a feed back as soon as possible.
My loan was sold from XXXX XXXX as of XX/XX/XXXX first payment was due. I paid that on XX/XX/XXXX. I paid all previous payments to XXXX XXXX who also allowed me to access my account without verification XX/XX/XXXX. I explained by email that I paid 2 payments in XXXX. They consistently placed hard collections inquiry on my credit report and the CFO said that was between XXXX XXXX and me. I have copies of my second payment paid in XX/XX/XXXX. My last payment is due XX/XX/XXXX I need my credit corrected. I was denied a loan to pay off my end of year bills. I need this information corrected immediately.
Weeks ago I called and reported a list of unauthorized transactions : " I did not make these charges : XX/XX/XXXX Auth : XXXX XXXX {$19.00} Completed Transactions XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$810.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$120.00}XX/XX/XXXXXXXX XXXX XXXX XXXX Wa {$190.00}XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$110.00}XX/XX/XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$730.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$23.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$54.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$29.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Wa {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$260.00} XX/XX/XXXX XXXX XXXX Il {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Wa {$590.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$150.00} XX/XX/XXXX XXXX XXXX Ny {$160.00} '' The balance at the time was more than {$2600.00}. That 's what I expected to be replaced. Today I get a check for {$230.00} with no explanation where the rest of it is.
OnXX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. Equifax failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. Equifax did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or XXXX ) were able to verify this negative item and Equifax was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.
I have been a homeowner since XX/XX/XXXX in XX/XX/XXXX I fell behind on my mortgage. My servicer now seems to be Nationstar. I have been harrassed by this servicer and to my dismay my XXXX year old father that is XXXX whom resides in New York was recently called XXXX. The servicer harrassed my father by saying " he should be ashamed of himself for not helping his daughter with money for her home ''. This is the last straw this was clearly a predatory loan, which I am still Quite under water and I can not get Nationstar to simply work with me. I have talked to a rep named XXXX she has yet to be helpful in any way. I need this addressed this servicer can not get away with treating people like This. I have been paying my mortgage for the last 11 years and this Not what I expect in return when I am now in trouble and deserve help not to be shamed.
Hello, In XX/XX/XXXX someone applied, opened, or attempted to open a loan with your company. As a result your company placed a credit inquiry on my reports even though I was not the person who applied, opened, or attempted to open service. 
As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XX/XX/XXXX. As a result my credit report as alerts on them until XX/XX/XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.
I used XXXX XXXX to apply for this card because XXXX XXXX suggested it and my approval odds were good. And I was denied again for the 5th time. I have a good credit score and all accounts that I have are paid on time and paid and closed early. The excuse that they gave me for denying an account to me was my debt is too high. But it is student loan debt and I am still in school. They approved a XXXX XXXX that I know with more debt than me and a score lower than mine. Im starting to feel as if they are discriminating against me.
Hi, About a month and a half ago, my XXXX XXXX high yields savings account got frozen because of some mail that was returned back. I have a new address and it wasn't updated on my account so the mail was going to my parent 's address and the mail was returned. Therefore, XXXX XXXX has frozen my account due to mail being returned so they can prevent fraudulent actions being taken on my account. 

I called XXXX XXXX and they have instructed me to send in an invoice of a utility bill with my new address and I have done that. I have faxed it over and they still haven't responded or unfroze my account. Every time I call an operator, they are just pushing me through to the next operator. I am getting no help from Synchrony 's customer service. 

My savings account has been locked for almost two months.
I applied for a loan from Castle Payday Loans ( now XXXX ) in XXXX 2015 for {$1000.00} online. I received a phone call from CPL stating I have been approved for the {$1000.00} loan and the finance charge would be {$350.00}, thus bringing my total to {$1300.00}. I have since paid {$2400.00}, over {$1000.00} more than I was told I had to pay. CPL continued taking payments from my bank account, so I blocked them from drawing payments from my account. I tried to log into my CPL account, but it would no longer allow me to log in. I contacted CPL and spoke to a representitive from collections and I conveniently got dropped once I told them there was a mistake with my account and had been overcharged.