WillisBack/dataset-financial-user-claim huggingface dataset:
I returned several items to my local Home Depot on XXXX XXXX, 2016 that I had purchased using Visa prepaid card number XXXX XXXX XXXX XXXX. Home Depot issued a credit for {$39.00} to the prepaid card. The problem is that because the card had expired in XXXX of 2016, two months before Home Depot issued the credit, there is no way at all for me to retrieve those funds. My question is, why does the expiration date not show up when a store attempts to apply a credit to an expired card? This seems like a scam for the prepaid card companies to knowingly get funds that the customer has no way at all to access.
Rent Recovery solutions is attempting to collect a debt I do n't owe them. I never established a contract with this company at all. Furthermore this company is in complete violation of the FCRA law which has tarnished my name by placing a negative tradeline onto all three of my credit reports.
This is an agency calling for a Medical emergency debt They have my cell phone and been calling my work number everyday harassing me .When I comforted them they were rude and hanged up on me.
Several loans that were serviced by ECMC during the loan rehab period had incorrect loan balances and interest rates therefore I was overcharged. For example, ECMC calculated 2 loans based on the orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled / never disbursed by the lender. Additionally, 2 of the loans has a fixed rate of 4.50 % - yet they charged me at 6.80 % on each. Another loan has a fixed rate of 5.75 %, ECMC charged me 6.00 %. Yet another loan has a fixed rate of 6.55 %, again they charged 6.80 %. There were several loans mishandled in this manner and as a result there was interest calculated that should not have been and payments misapplied as a result. I advised them of their mistake on several occasions, most recently on XX/XX/XXXX, but they have refused to fix the info on file or advise HOW they plan to rectify it. ECMC also did not report payments made by me on this loan while it was handled by them ( years XX/XX/XXXX through XX/XX/XXXX ) and at the time they transferred my loans to XXXX XXXX. ECMC also reported the wrong loan info on my credit report during the years XX/XX/XXXX through XX/XX/XXXX. ECMA also failed to report to the Dept. of Education that they received an IRS offset in the amount of {$5200.00} during that same time period.
I was in the middle of a loan modification when Ocwen Loan Servicing sold my house. The stated that they notified me by mail but in reality the notice had been mailed to XXXX, California which is nowhere near XXXX, California. When I had been going through bankruptcy last year they had tried to sell it as well. I had been in contact with my relationship manager and even had an appointment for a few days after it was sold. I do believe my loan was robo-signed previously because none of the names that was on the paperwork were real people at any of the companies. 
The other day when I had called XXXX XXXX to get information about my loan I was told they did not carry the note. That I was nowhere in the system neither was the loan number. The next day I received a XXXX letter from XXXX XXXX stating they did carry the note. I also believe they may be somehow part of Ocwen as the gentleman, out of nowhere, stated they were not sister companies he had already asked that. 
The gentleman who bought my home said he understood my dilemma and would allow me until XX/XX/XXXX to find a place to live and move out. On XX/XX/2016 he served me with a 3-day notice and then on XX/XX/2016 he served me with an unlawful detainer. I have told him I am willing to move but due to the holidays and due to my lack of rental history it has been a problem. This gentleman told my XXXX year old tenant and her caregiver about the house and it has cause my tenant very bad health issues. He has been harassing and bullying me as he wants in the home to go through it and already wants to get a pool person over here to look at the pool. 
Accoring to the Homeowners Bill of Rights, this mortgage company needs to be put on notice that they have done a dual track foreclosure and that is against the law. I would also like to know that the bids were as the house was sold for much less than what was owed. Why were n't we guaranteed a single point of contact from Ocwen? Why was the Notice of Sale mailed to XXXX, California? I would like to readdress the violations of this company. There are tenants in the home and according to the Homeowner Bill of Rights, they have at least 90 days before starting eviction processes. Ocwen has copies of the rental agreements and past rental receipts as they were part of the modification paperwork.
XXXX XXXX has spun off my student loans to their new company Navient. I have historically worked with the office of the umbudsman to be a participant in their rate reduction program. When Navient took over my loans they canceled my rate reduction program and now my interest rates are at obsurd levels that I can not sustain the payments. I 've tried to work with Navient and XXXX XXXX directly but they always say they do not have a rate reduction program. Last year to get my rate reduction renewed I had to enlist the CFPB, Social Media and a reporting team at XXXX. I 'd like for Navient to re-institute my rate reductions and make the reductions permanent.
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XX/XX/XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00}. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number Transunion and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with Transunion, the man who spoke to me from Transunion told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the Transunion representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
At one point during the repayment of the loan, my Grandmother was making payments for me. She does not know much about principal and interest. However she would make every payment on time. They were months were she would send a check in to Navient ( possibly XXXX XXXX at this time ) and the money would not be deducted from her bank account within a reasonable time period for that form of transaction. She called customer service to complain about this problem as it happened again this particular month. She explained to them that she has been sending in payments and that they have been coming out weeks after she sent in the check. The customer service representative told her that there may have been a backup in their systems and that they have not processed the check yet. However, I believe that this was apart of the bigger scam of Navient ( XXXX XXXX ) holding payments to maximize interest and minimize your principal payment in order to keep you in the loan terms longer. The very next day after this call they somehow found her check and processed it. They have been practicing dirty business for a while now, and it needs to be stopped.
I am a victim of identity theft. The following account, collection accounts and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX and XXXX XXXX for a debt thats fraudulent, not mine and dont belong to me.
Subject : False letters about collecting a debt amount of {$2700.00} Incident date ( car accident ) : XX/XX/2016. 
Company trying to collect false debt : XXXX XXXX XXXX XXXX XXXX. 
name of 3 collections companies i have responded to : 1 ) XXXX Phone : XXXX File # XXXX ; Claim # XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MA. File # : XXXX XXXX XXXX 3 ) Weltman , Weinberg & Reis Co. , L.P.A . File # XXXX I do not have any responsibility for the debt they are trying to collect. I was not at fault in the car accident. Also, I had insurance coverage at the time of the accident. It was a rental car from XXXX and I had purchased additional liability insurance. 

I am not responsible for this debt. They need to stop all communications with me and with this address, and record that I dispute having any obligation for this debt. In spite of me sending 3 registered letters and supporting documents and evidence, they still keep sending it to new collection companies to harass me and I have responded to all 3.this needs to stop. 

Thank you for your cooperation.
This company states that I owe a Medical debt for XXXX during the month of XXXX XXXX. I did not receive any medical services that would require XXXX in XXXX XXXX, or XXXX. They state they sent statements several times to my Oklahoma address, which they did not. I have asked their lawyer by mail to furnish me proof of this debt. He has not. I sent their company a letter asking for proof as well, their address was included in a letter from their lawyer, they did not provide me with any proof of debt or any response at all. 
I am a respectful, professional medical person myself. I pay my debts. I do not owe this debt. They have not provided me with any kind of proof that I do owe the debt, despite requesting the proof, multiple times. 
I appreciate your assistance.
Capital One is reporting a fraudulent credit card account on all XXXX of my credit reports. XXXX, XXXX, and XXXX. I have disputed this account with all three credit bureaus and Capital One several times, and requested investigations. All XXXX credit bureaus informed me that Capital One verified and confirmed that the account belongs to me. I have not received any proof or documentation from Capital One that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
I have submitted several request to XXXX XXXX  and Experian as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.
ON XXXX XXXX, SOMEONE CALLED MY WORK, LEFT A MESSAGE FOR ME TO CALL XXXX XXXX XXXX. THEY MADE IT CLEAR TO MY EMPLOYER THAT THEY WERE A DEBT COLLECTOR. 

WHEN I CALLED BACK, THIS PERSON WAS NOT THERE, BUT ANOTHER PERSON TALKED TO ME, VERY CONDESCENDING AND RUDE, HE NEVER TOLD ME HIS NAME. HE WANTED ME TO VERIFY PERSONAL INFORMATION, WANTED ME TO GIVE IT TO HIM, I REFUSED. HE SAID THAT I WOULD HAVE TO BE DEALT WITH THE " HARD WAY '' WHEN I ASKED WHAT THAT MEANT, WAS HE THREATENING ME, HE SAID HE WASN'T. 

I TOLD HIM TO NOT CALL MY WORK AGAIN AND HE SAID THAT HE COULD NOT STOP ANYONE IN HIS COMPANY CALLING ME. I TOLD HIM THAT I KNEW IF I ASKED FOR NO CALLS AT WORK, THE LAW SAYS THEY HAVE TO OBEY. HE AGAIN SAID HE COULD NOT STOP ANYONE. 

I BELIEVE THE COMPANY IS CALLED XXXX, XXXX, Pennsylvania, United States, EVEN THOUGH HE NEVER ACTUALLY SAID SO.
I got a internet pay day loan for {$400.00} in XX/XX/XXXX and it charges a finance charge of {$200.00} per month which is not applied to the loan at all. This was not explained to me. So, I have now paid {$800.00} in finance charges soon to be {$1000.00} in XX/XX/XXXX for a {$400.00} loan and none of the {$800.00} that I have paid is applied to the loan. In order to payoff I have to pay the {$400.00} loan amount plus the {$200.00} finance charge. So, if I had the additional {$600.00} to pay off now I would be paying a total of {$1400.00}. The original company was XXXX but now they have changed name to Big Picture Loans.
ON XX/XX/2018, I RECEIVED TO LETTERS WHAT THEY CALL RESURGENT CAPITAL SERVICES, BUT CURRENT ONWER XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA AND PHONE # XXXX/ XXXX AND IS A SCAM AND NOT APPORVED BY THE XXXX. THEY STATE ON LETTERS XXXX XXXX, XXXX. AND XXXX XXXX XXXX OWNS THE FOLLOWING REF # XXXX. AND THIS FOR 2 FORMER CREDIT CARD.., ONE XXXX {$300.00} AND THE CARD XXXX {$600.00}. ON LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX. FOR YOUR INFORMATION XXXX XXXX XXXX IS IN XXXX XXXX XXXX UTAH. AND THEY ARE WELL KNOWN ON XXXX AND FOR YOUR KIND HELP.., THE FEDERAL TRADE COMMISSION HAD BOTH OF THE CLOSED DOWN.., AND SINCE THE XXXX XXXX XXXX IS NOT APPROVED BY THE SOUTH CAROLINA XXXX.., BOTH XXXX XXXX AND THE ABOVE ARE BOTH KNOWN AS SCAM.., I SIMPLY DESIRE FOR THIS TO BE REMOVED FROM ALL 3 CREDIT REPORT COMPANIES. 

RESPECTFULLY, XXXX XXXX E-MAIL.., XXXX XXXX
Hello ; To whom it may concern, I have been in an uphill battle with Hunter & Warfield ( XXXX XXXX ) which has described themselves as a debt collection company base out of Florida. Their address is XXXX XXXX XXXX XXXX, XXXX FL. XXXX. I have contacted this company several times in regard 's to a collection that I have no knowledge of other than it being listed on my credit reports, when I saw this listed I immediately contacted this company by certified mail only to receive no reply. I have been sending this company letters since early XXXX, I even called only to get a voicemail and no response. The company says that I owe them {$2500.00} and I do not know where this debt came from nor do I owe them anything. Each month they add {$5.00} to {$15.00} dollars to the account on my credit reports to show that I have not paid and to keep the debt current. I have tried to contact this so called creditor ( XXXX  XXXX ) and they are no longer in business because the property was sold by a Management company called XXXX XXXX XXXX, property management company ( XXXX XXXX XXXX XXXX, XXXX Georgia XXXX ). This company was called and I spoke to a representative and they advised that the property was sold and have no records of me having any debt with their company because all that information would be with XXXX XXXX. 

I have tried effortlessly to talk with someone at Hunter & Warfield and to no avail has anyone responded, or has the company made an effort to correct this issue. I have also told them that my identity was stolen when my home was broken into and I placed fraud alerts on all my credit reports due to a lot of inquiries and several accounts open on my credit file. This situation with this company has tarnished my credit badly and they still not have responded after at least 12 letters sent to them. This is a clear case of Credit collection bullying!
I am a XXXX XXXX in a low income, XXXX XXXX XXXX. This is my 22nd year of XXXX, and I still owe a tremendous amount on my student loan. My qualifying employment begin date was XX/XX/XXXX. In XX/XX/XXXX I went on what I was told was a repayment plan that would qualify for Public Service Loan Forgiveness. I've been working now for four years under that assumption. I contacted my provider and was told that I have NOT been using one of the correct plans, and there could be no resolution of the problem. My retirement date should be XX/XX/XXXX and I will definitely have been making the XXXX monthly payments on time as I do and have done every month. I was told that my loan balance would be forgiven in XX/XX/XXXX, and now everything is a mess because they say that I CHOSE the incorrect plan. Please help me. I am XXXX years old, and I don't think I should have to start my 10 years of repayments over again. I am convinced that I signed up for the correct repayment plan.
i : reported identity theft of my name and social security number to Police as well as to FTC, see attached. Bank of America ( BOA ) seems to have hired robo signers and others to forge my signature on a fabricated note and claimed that i : borrowed monies from it, when i : never did. i : demanded numerous times from bank of America to make the presentment of that promissory note that it claimed i : signed [ when i : never did ], while Bank of America and its Agent ( s ) Principle ( s ) Co Parties claimed that BOA has in its possession the promissory note that i : allegedly signed, but it never did present that to me. Through extortion and racketeering acts and coercion, i : was forced to sell my unique private property, the alleged servicer XXXX XXXX XXXX stole my monies from the proceeds of the sale and is refusing to return my monies. In addition, later i : found out that after the close of escrow, Bank of America and its co parties agent ( s ) principle ( s ) have sold my note to other entities, as of almost 1 year ago [ the date  that i : researched it using XXXX ], it shows that i : owe in excess of {$120000.00} to unknown entities even though Bank of America/XXXX has filed for release in county recorder due to their being paid in full [ which is really theft of my assets ]. So not only, they are not returning my monies at TILA section 1635 et. seq, indorsed by all three branches of the government to wit : by the president, the congress and the SCOTUS unanimous decision : XXXX v. Countrywide Home Loans Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), cert. granted, 82 U.S.L.W. 3366 ( U.S. XX/XX/XXXX ) ( XXXX XXXX XXXX SCOTUS Unanimous decisionXX/XX/XXXX Author : XXXX XXXX ), Reg. Z. by Federal Reserve, 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ) but also it seems that they have sold my note to other parties and claiming losses on those to obtain additional default insurance from various insurance companies while claiming that the alleged loan was paid in full when my home was sold, they recorded that closure in county recorder, on XX/XX/XXXX
I have disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX XXXX XXXX ( I have no knowledge of this account. ) 2. XXXX XXXX ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been validated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.
I have a legal agreement with Chase Bank, on repeating payments on my rent to XXXX XXXX XXXX in th amount o {$150.00} each month since XXXX 2015. This month of XXXX 2015, when I receive my SSA on the XXXX and XXXX of the month, Chase debited my account for the rent. It was by legal agreement to be on the XXXX of each month. On XXXX XXXX, 2015, I had {$230.00}, therefore funds to be paid. If they had debited my account the said amount, on XXXX XXXX, 2015, I would have {$380.00} instead I have {$180.00} an difference of {$200.00}. They shorted my account, by not legally debited my account on the XXXX XXXX, 2015.
We have an issue with my husbands transunion credit we have sent in verification 2 times now and we still can not get a copy of his credit report ... we were told its being handled by the fraud department when connected to them we were told my husbands credit and a ladys credit were combining because their socials are so close ... now I had to fax over his social security card and his credit would have to be separated or sorted from this other lady 's well its been over a week and I still ca n't get anything done
XXXX XXXX bank was included in my bankruptcy and and the debt was XXXX transunion is still reporting the dept in my cred file
I have a prepaid rush card. My direct deposit was deposited today and I went to pay for something with my card and the funds were not available. I had used the card previously and everything was fine. I repeatedly called customer service but I kept getting disconnected. I went online and noticed there was an unauthorized transaction in the amount of XXXX from XXXX XXXX XXXX Bank. I have no idea where this transaction came from. I did NOT authorize it. I was unable to pay my bill due to this issue and I am asking for immediate reimbursement.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Capital One Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have attached a credit report with the items.CAPITAL ONE BANK USA NA # XXXX and CAPITAL CAPITAL ONE BANK USA NA # XXXX These items has been paid off from collections and have yet been removed from my credit report after agreed that it would be removed after the collections was paid off. When I last spoke to Capital One XXXX of XXXX to be removed after the debt was settled. Capital One failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX