WillisBack/dataset-financial-user-claim huggingface dataset:
This company calls me repeatedly but won't send me any hard proof of loan that they say I took out with them. I don't recall this loan. I think they have my information because I applied for one a long time ago. 

They call me weekly with this message : Good morning my name is XXXX calling on behalf of Integrated Services XXXX XXXX. I'm calling to speak with you concerning docket # XXXX. It's imperative that I speak with either your or your attorney immediately regarding this matter at XXXX x XXXX. 

Last call was placed on XX/XX/2018 at XXXX XXXX XXXX. They have called my husband as well leaving message that they are a lawyer and trying to contact me. They also call my work phone.
We have had a XXXX XXXX Business Mastercard since XXXX, we have never had a balance carried, always have paid in full every month. XX/XX/XXXX our account was put on restricted status, not sure what that even means, all our cards were immediately rendered useless. I called into Capital One and was informed that the cards were restricted and that no other information could be given to me. All access to our account was suspended. I can't find out what charges have been made either online or via phone. The suspension of our account has created a hardship for our business and employees. Our treatment by Capital One has been unacceptable.
Enhanced Recovery Corporation, XXXX, FL XXXX. XXXX XXXX XXXX debt for early cancellation fee. 

XXXX promised cell phone coverage at my home address. I had no cell phone signal at my home address and could not make or receive calls. After 2 years of complaining to tech support no resolution was found. I switched to XXXX after seeing a friends phone was fully operational at my home. This was explained to XXXX and they still refused to let me out of my contract. I decided to cancel my XXXX cell phone service for breach of contract to provide cell phone service to a location within the service area as shown to me on the XXXX map at time of purchase. The above was mailed to the initial debt collection agency who did not respond. I still receive a daily phone call from Enhanced Recovery via a recorded message in an attempt to collect XXXX early cancellation fee invoiced in XXXX 2010. All other monthly charges were paid in full except the cancellation fee.
On XX/XX/2018 we made a Principal Only payment to our mortgage with SunTrust Bank in the amount of {$1000.00}. At the time of deposit we were told by the our XXXX FL branch that the payment would be correctly applied using the coupon once that department received the coupon in 1 or 2 days. Upon checking our account 3 days later, we found that the principal only payment was misapplied to the regular mortgage payment and not principal only as requested. We have now contacted Suntrust Bank on three separate occasions to be told that it will not be corrected until XX/XX/XXXX. 

This is the 3rd time we have made principal only payments on our mortgage only to have them misapplied as a regular payment, with only a portion going to principal only. Misapplying the payments benefits the bank as it doesn't reduce principal as it's intended. Taking at least two weeks to correct this time, last it took almost 6 weeks. Our principal isn't reduced and they are making money by  misapplying funds. We believe this to be intentional on the part of Suntrust Bank.
XXXX has been non-compliant with removing the unverified account DUVERA BILLING SERVI which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that DUVERA BILLING SERVI was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint onXX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 146 days and counting And still I can not prove I own the home I live in.
XXXX XXXX XXXX XXXX calls me at least 5 days a week. XXXX called on XX/XX/19, XX/XX/19, XX/XX/19, and I believe also XX/XX/19. 
I have told them repeatedly to quit calling and to use the postal mail service for any business they have with me. They just keep calling.
I called Discover to change which bank account my automatic payments came from. The customer service agent said that it was taken care of. The following month, Discover student loans withdrew {$530.00} out of my new account and applied it to someone else 's loan without my consent in addition to taking the normal payment out of the old account. They are now requesting documents to refund that money back to me even though it was admitted their error.
Ocwen Loan Servicing engaged in dubious, illegal and patently fraudulent activity in pursuit of a foreclosure in XXXX State Supreme Court violating both the National Mortgage Settlement agreement with Ocwen, regarding servicing standards, and highlights the problems with Ocwen 's REALServicing platform as laid out in the lawsuit : CFPB v Ocwen Case # XXXX, US District Court , Southern District of Florida XX/XX/XXXX -- A " Denial for request of Mortgage Assistance, '' dated XX/XX/XXXX, was uploaded to the NY Court 's web system on-line during a mandatory foreclosure status conference ( mandatory appearance by plaintiff 's attorneys ). This was a fraudulent document given that defendants never applied for mortgage assistance. Blame was laid at the feet of an inexperienced young lawyer who had managed to gain access to the REALServicing system and obtain the document. 

XX/XX/XXXX -- Attorney affirmation by plaintiff 's lawyer stating the uploading of previous document was a " mistake '' XX/XX/XXXX -- Affidavit from Ocwen representative again stating " Denial '' document was mistakenly uploaded. 

XX/XX/XXXX -- Supplemental affidavit from same Ocwen representative reiterating that XX/XX/XXXX document was mistakenly uploaded. 

In response to two Show Cause orders XX/XX/XXXX and XX/XX/XXXX lawyers for two firms representing the plaintiff filed Affirmations in Opposition, respectively, that the mistake should be overlooked and that " ethics '' training had been instituted for all lawyers in the firm ( XX/XX/XXXX ) and that no real harm had been done to defendants ( XX/XX/XXXX ). Furthermore, in the XX/XX/XXXX filing plaintiffs attorney indicated that the REALServicing system had flagged the case and that no further modification-related communications with defendants would be initiated. Plaintiff 's lawyer stated that " Ocwen 's Records Are Accurately Kept, Maintained and Available To Their Foreclosure Firms. '' Plaintiff 's lawyer also stated ( XX/XX/XXXX ) that " care was taken to ensure that the offers were not sent, given Defendants ' clear position ''. 

XX/XX/XXXX -- Despite the aforementioned affirmation a packet of information, dated XX/XX/XXXX, was received by defendants. It was a " You Are Approved for a Loan Modification Trial Period Plan. '' Again neither defendant nor their attorney requested this modification.
I would like to dispute the following. 

Address XXXX XXXX XXXX XXXX OH XXXX. I do not recognize this address. 
XXXX XXXX XXXX  Account XXXX I never paid this account late. 
XXXX XXXX XXXX Account XXXX I never paid this account late. 
XXXX Account XXXX I never paid this account late. 
XXXX/XXXX  Account XXXX I never paid this account late
ERC contacted me i told them the debt was not mine and that XXXX   deleted it also and sold it to them because it was identity theft, this is very sad that ERC is being unethical and buying fraudulent debt i may have to contact an attorney for this matter. ERC is threatening to report to the credit bureaus also. i have contacted XXXX XXXX also. 
agents name is XXXX XXXX on this demanding letter.
I currently have a part time job and unable to pay for my debt that 's been sent to collections. Spoke about a payment plan I also can not commit based on my income. It 's frustrating to know how the government deferred my student loans based on my income but this company can not do the same. I addressed I do NOT wish to abandon my financial responsibilities, but with their repeated calls everyday ( 4 times average calls throughout the day ), they expect me to already have a new job when In fact I 'm still looking for a full time job.
I was sued and a judgement for a 17 year old credit card debt was entered against and they sent the summons to an address that I haven't ever lived at. It was my sister 's old address and a summons was never served there for either of those court dates. My sister said that someone came there in early XX/XX/XXXX and asked if I lived there and she told them that I do not live there and they left. This company was able to locate my current work address for a garnishment order so they should have been able to locate my current address because it's on my credit report and they purposely stated that they sent a summons to the wrong address and I haven't seen proof that someone even signed for that summons. I don't remember this debt and don't feel that I have been able to fairly answer to this. Also if it's 17 years old can I be sued over this? I called the court and they said a judgement was entered against me in XX/XX/XXXX for XXXX and renewed on XX/XX/XXXX and was for XXXX plus XXXX in interest totalling XXXX but I have no knowledge of either of these judgments and the reason I am finding out about this is because a garnishment order was sent to my employer and they informed me. Is there anything I can do to stop this or get this resolved without being garnished. Were my legal rights violated? Wouldn't XX/XX/XXXX even be past the statute of limitations if this debt is 17 years old? I only have 14 days to figure this out according to the court papers. Did this company break a law by not serving me correctly? I called the attorney on this and she said that nothing can be done and they do whatever they need to do to collect this debt. I don't even know if this debt is truly mine. I would like to know my legal rights regarding this. I just found out recently that an ex wife that I've been divorced from for several years still has a credit card with my name on it and I shouldn't be responsible if I didn't create the debt but with such limited information I can't defend myself on this. The only information I have is that the debt is 17 years old and that this company went to court without properly notifying me twice and a judgement against me was made and now I'm being garnished.
On  XXXX   XXXX     2017, we paid ou r HELOC balance in full.   Prior to payment we calle d    XXXX   XXXX   to let them know we were paying off the full balance on   XX/X/2017 .    We asked if there would be any problems if we did not mak e a  XX/XX/2017  payment, as full pay-off would be made 72 hours later.    We were assured it was ok and there would be no problems.   But  XXXX  created a major problem for us, by reporting a " lat e '' payment on  XX/XX/2017 , when they assured us they would.    As the full amount of the loan, not just a monthly payment was made 3 days later and  XXXX  knew it was coming, from to notifications ;  one fro m our phone call and the second from the  XXXX   XXXX  notification of pay-off  seven days earlier, it was unfair of    XXXX   XXXX   too harm our credit with a late report.   The  Credit Rating compani es - XXXX  -Equifax and  XXXX  have  wrongly reporte d this as a late payment The harm has been extensive, stopping us from getting a new mortgage.
I have an USBank XXXX XXXX card I opened recently. I keep getting charged late fees even though I pay the balance off early. They state that because I paid early, the payment automatically credits to the prior month and never to the upcoming month. This allows them to charge me a monthly {$27.00} late fee even though I have paid the upcoming monthly due amount early. They say it is my responsibility to withhold payment until some time determined by them to avoid late fees. This policy is designed to allow frequent late fees and to discriminate against the consumer in favor of the bank in a very unfair way. I have never had this issue with any other credit card before, and I plan to pay this off, close it, and never do business with USBank again. In the meantime though I think this company should be investigated and this practice brought to a halt. 

Please note that I paid the balance due on XXXX XXXX and then prepaid more than due on XXXX on XXXX XXXX and then got a late fee on XXXX XXXX
XXXX XXXX To Whom it May Concern, Im writing because I have a major concern with an issue with your servicing of my loan and reporting to the credit bureaus ( specifically XXXX  I believe ). I previously had a mortgage in which you serviced ( loan # XXXX ) that was paid off in XXXX of 2017. I have recently applied for a new mortgage and was told that I could not qualify as I had three 30 day lates on my this mortgage dating XXXX, XXXX and XXXX of 2017 ( see attached credit report page ). This is an obvious mistake as Ive never been late with my mortgage let alone any other bills, and I need this rectified as soon as possible. 

I have provided proof of the XX/XX/2017 mortgage payment. In XX/XX/2017 we sold the house and received a payoff statement ( also included ) that included XXXX payment ; the closing occurred XX/XX/17 ( which is also attached ). So logically if the payment is due XX/XX/17 there is no way it could be 30 days late ( this isnt even including the 15 day grace period your company provides ). Obviously the XX/XX/2017 30 day late is completely false as the mortgage was paid off XX/XX/17, so Im unsure how that is even possible. 

I have tried several times to speak with customer service reps in your office who have told me they do not have any access to my loan as it has been archived, which seems ridiculous to me as the loan was closed less than 12 months ago and you reported the late payments to the credit bureaus only recently. I work in finance and soft pull my credit report randomly and did so not more than 2 months ago prior to searching for a new mortgage/house and the late payments were not on there so this happened recently and Im unsure why they would appear just now as the supposed late payments were from XXXX. 

I understand mistakes occur in business, but I need to have this reconciled as quickly as possible as I need to get new housing as I dont have any other options. I was very surprised to see these lates show up and obviously they greatly affected my credit score. Please let me know whatever else you need from me or what/if anything I can do to expedite this reconciliation. I need documentation from you verifying that there were no late payments as quickly as possible and then I would need you to contact the 3 credit bureaus indicating the same to have these lates removed.
I am having trouble getting correct info on what i 've owed between my matriculation at XXXX vs. XXXX XXXX University. Interest rates/fees have seemingly sky rocketed what i owed and from which school
I got the Pre-approved credit card via Citicard XXXX XXXX. However, when I submitted my application I got the application declined with the reason some collections involved in my credit reports. I worked with the collection companies and paid all collection off as Paid Off with XXXX balance. After two month with paid off my collections I could be able to obtain a Credit card from XXXX XXXX XXXX. However, as a XXXX member over 10 years, I would like to reapply the Citicard XXXX XXXX again so I can get the benefits from XXXX Member. I got declined again with the reason : " Too few satisfactory credit references were recorded on your credit bureau report. '' Citi card used XXXX to check my credit history. I have a copy of 3 credit Bureau, all three report I have NO collection. All past collections are paid off with XXXX balance for last 3-6 months. My question is why Citi card sending me the Pre-Approved application for what? I believe I deserve an approved card from Citi XXXX XXXX. I read online review, many people with active collections still got approved from Citi XXXX XXXX, why not me?
On XX/XX/2018, I applied for credit at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA., XXXX through Equifax to finance tires and XXXX was the one that ran the credit report ( XXXX ) XXXX. What I understood her to say was that I didn't have enough credit but found out on XX/XX/2018,  that Equifax reported I had no credit score whatsoever. I asked my mother to co-sign and she did in XXXX, CA., at another location which everything was faxed to the XXXX location. My mother 's score ended up being reduced because it was a hard inquiry which never would have happened if Equifax had reported my credit score. My credit score is high enough to get the credit on my own. Your company has inconvenienced me and my mother when none of this should never have happened. XXXX at XXXX had all the current information with correct social security number, PO Box number , street address, phone number, and income etc. My credit score shows minus the hard inquiry which went from XXXX to XXXX on XXXX XXXX. My mother will be making her own dispute to the hard inquiry when it wasn't necessary for her to be a co-signer.
Ocwen mortgage failed to pay XXXX out of my escrow. The insurance company cancelled my policy and did n't rewrite it. They said Ocwen pain but was 30 days late so they canceled me. This is costing me XXXX because they screwed up. PLEASE HELP My name is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX the loan number with XXXX is XXXX. This is n't my fault but they act like it is. They now want to put me in force placed insurance that I ca n't afford. I 'm having issues XXXX. I 'm retired and on a very limited income. PLEASE HELP ME
I am filing this complain because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. 
Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - they are required to " ... promptly delete all information Which can not be verified. " that i have disputed.please resolve this manner as soon as possible. thank you Note : the attached document part of my credit report that i have revived from Experian and it has multiple errors in my personal info that i have disputed but they kept it on my file
I had an open share loan and paid it off in XXXX of XXXX. I noticed the account is reporting 30 to 59 days past due because of a XXXX payment however the loan was paid in full in XXXX. When I called the bank I was basically told the account was 7 days past due, it was due on the XXXX but paid on the XXXX. My problem here is 7 days is not 30 plus days and my payments were set up on auto pay from my saving so if it was paid on the XXXX it was becuase their system didn't draft it until then. The customer service agent informed me that the quickest way to solve the problem was to file a dispute opposed to just having the credit department fix their error. Now my score on all 3 credit bureaus have dropped 30 plus points.
My loans have been in repayment since graduation from XXXX XXXX University in XXXX 2008. Recently the company that manages XXXX of my private loans has been misallocating my payments. As a result, XXXX of these loans continually look like they are delinquent. As a result, I as well as my parents ( the cosigners ) receive a stream of emails and calls threatening my credit rating. We 've tried calling to straighten things out and every time they realize they 've made a mistake, but the error and the ensuing harassment keep happening. Please help.
I have submitted a complaint about a new collection on my credit record. I have a receipt showing payment of the bill. I have submitted this information to XXXX three times. Every time I submit it, I receive " dispute open '' emails. When I try to view the progress, I am told the dispute does not exist. Today, I received an email saying my dispute was completed. When I tried to view the dispute results online, I get an error message. I called on the phone and they told me my dispute did not exist. I have emails which show I filed the dispute, and I have an email saying the dispute is completed. And I have a receipt for the amount that has been reported to my credit report.
I received a XXXX XXXX alert that this credit inquiry appeared XX/XX/2018. I did not apply for any such credit. Here it is as follows : XXXX XXXX XXXX XXXX DATE Inquiry XXXX XXXX XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE XXXX XXXX XXXX XXXX XXXX XXXX FL N/A This likley happened as a result of my prior employer, XXXX XXXX XXXX XXXX XXXX XXXX, AZ who admittedly jeopardized my personal information as well as up to 300 other employees including leaking my SS # about 3 years ago. I'd also like to file a complaint on them in addition to XXXX as they paid for XXXX for just the first 2 years after admitting to their breach after the fact, but then cancelled this coverage about 4 months ago about the same time I left their employment. Had they not been careless with my personal data INCLUDING SS #, I would not now have thieves trying to apply for credit in my name. I did nothing wrong and Homeowners leaves me with the problem. This was also done to perhaps hundreds of other employees and I'd appreciate your assistance in forcing them to make this right and incur the annual or monthly fees for XXXX protection in perpetuity. I feel this should be pre-paid for my lifetime now as they could go out of business again leaving me holding the bag. Please contact me at either XXXX or XXXX  so I can help with these investigations however you see fit.

Many thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
I never heard of this company .I have n't apply for any credit card nor any loans what so ever.
Charged overdraft fee more than 50 times even though I signed to be opt out. They still cant fix the problem.