WillisBack/dataset-financial-user-claim huggingface dataset:
Today, XXXX XXXX XXXX left me a voicemail stating " I received an order in my office today to complete and process several pending matters. You are currently being investigated for. I will be verifying your current address and employer. '' I called them back to find out what it was for - They called from XXXX, but told me to call them at XXXX. When I called the woman who answered asked me to verify my SSN and date of birth. When I asked what company she worked for she said client resolution services. I asked what what this is in regards to. The woman responded an old debt from XX/XX/2015. She said that the last payment of {$100.00} was paid on XX/XX/2015. I said I thought that the XXXX made my account paid in full and I never used the card again because the interest was so high. I said that I disputed the debt until I received confirmation as to what I owe - if anything. She because aggressive and said that I defrauded the company out of many and said that if I didn't agree to a {$37.00} biweekly payment schedule than she would report me to their client as refusing to pay! I said I'm not refusing to pay, but need to ensure if I really owe anything. She said that I should already have it and asked if I would pay {$37.00} biweekly. I said not until I received a letter of what I owe if anything. She put another woman on the phone and the above conversation happened again. But this time, they said that they are going to sue me! Over {$200.00} really?!? They hung up on me. I called again and asked to speak to a supervisor ; they said one is not available. I asked for the address to the corporate office ; they said they would not provide it to me and hung up. Called again, and they hung up on me. And most of all, they didn't not tell me, " we are a debt collector and any information will be obtained for that purpose.
I had unauthorized charges on my account at Chase bank. I called claims dept and filed a claim. First they credited my account for the amount of the charges then investigated the charges and reversed the charges without providing a reason why. When i called to understand why i wasnt granted the amount that was taken from my account without consent or even my knowledge they said it was outside of the 60day window for filing claims. The first charge happened on  X/XX/17    for {$33.00}, the second charge took place on  X/XX/17    and i filed a claim on  X/XX/17   . I am not understanding how this is out of the 60day allowance time to file a claim. I am going to contact the companies who made the charges get proof that i did not conduct these transactions then file a lawsuit against chase. In the policies it states that a customer will be refunded for any charges they did not authorize and i am 100 % sure i did not authorize these charges and i can provide proof.
I have a collection on my report from a collection agency ( Professional Bureau Of Collections ). Opened XX/XX/XXXX last reported XX/XX/XXXX, {$3000.00}. I was never informed of my right to dispute. Please investigate this matter and remove this collection from my credit reports. Please verify if this agency has a license to collect in Arkansas. Their address is : XXXX XXXX XXXX XXXX XXXX, CO XXXX
I called Transunion on XX/XX/XXXX and XX/XX/XXXX to get fraudulent inquiries removed from my credit report! They would not remove the fraudulent inquiries from my report. I told the rep that I was aware that Transunion had two separate glitches and that my inquiries were deleted and then readded to my report once the glitches was discovered. And that I never received a five day notice about the fraudulent inquiries going back on to my credit report! The rep did not want to help remove them at all. I was told to call all of the companies that the inquiries were made from and have them remove them.
Without notice,  XXXX   XXXX  sold my mortgage to a company calle d Loancare. Thus far I have had an impossible time making payments, as though they want me to defa ult on my loan! Despite having setup auto pay and schedule d one time payments none of them are being applied! Despite their " website '' stating otherwis e. Customer agents have no clue as to what the status of my payments are as they use the exact same poorly designed and outdated " website ''.     This company has no business handling my loan and their actions are bordering on discriminatory as I am a  XXXX  American and this issues are causing me great distress!
Hello, I cosigned a student loan for {$15000.00} on XXXX XXXX, XXXX, for my little sister, who is a freshmen at the XXXX XXXX University - XXXX Campus ( XXXX XXXX XXXX. I have great credit ; however, I am currently in between jobs at the moment and part of my income is derived from unemployment insurance. I believe the company denied our request for a loan due to the fact that my income derives from a public assistance program, which violates The Federal Equal Credit Opportunity Act.
there are XXXX issues with my bank account at chase bank. the first is from XXXX 2014 that I want to bring up. I was traveling to XXXX and requested XXXX currency to take with me. I asked about any fees with that the currency transaction and they said " no ''. I asked more than once. later after I received the money I found out they use a lower transaction rate ( a fee in effect that was very high ). I tried multiple times to return the money as I was misled and they said they could not do that. I feel that this was a very misleading practice from chase - saying there was no fee when there really was in the form of a lower rate. I was going to let that go ( obviously I did not file anything with the cfpb ; I did complain to chase and they did nothing ) but recently there was another troubling issue so I thought I would it add it as well. the most recent issue occurred in the last couple of months. all of sudden the address on my account changed - to an address I used over 10 years ago! ( and to add ... I had closed all my account back then and left chase when I moved away - then when I moved back I opened a new account about 3 years ago. ) I found out when I went in the local branch and they asked me to verify my address. I gave them my current address and the one before that and they said both were wrong. finally they told what address was in there and I was very perplexed as to how that could happen - that a 10 year old address would be there. they said they would look into it and email me ( they wrote down my email ) or call me. I never heard a word form them ( including the manager who was there and said she would handle it ) so i wrote to chase online to try to get answers. so, I have asked about it and no one will give me an answer. when I sent an on line message to get answers they say they will only call - not document anything - and they said they tried to call me but said the number they tried was no longer in service. I checked my chase profile and my correct phone number is in there. anyway, I am very concerned that they would just change my address for no reason on an old account - what else could be changed that I am unaware of?? the old address was also used by my ex wife so i 'm not sure if she had access to any of my acocunt. it 's very scary and upsetting. I 'd like to know what happened and how they are going to ensure it does not happen again. thank you.
hello I am a XXXX veteran this company ran my report I never gave verbal and or written consent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. I 've tried to call and talk to these company but never have any luck.
The North American Credit Services ( NACS ) started contacting me in XXXX 2017. They left a voicemail message, in which they butchered the pronunciation of my name to the point where I thought it was a wrong number. I did not receive any letter communications from them at the time. I called them back in XXXX 2017 - and they had informed me that I had a bill from the Hospital and that they had sent me letters as well. I informed them that I never received any written communication from either the hospital or NACS. They identified that NACS and the hospital both had the wrong address on file. NACS agreed to not contact the Credit Bureaus. I, then, contacted the hospital and informed them that I never received a bill from them ; the hospital identified that they had not sent out any bills to me, prior to involving NACS. The hospital apologized for their mistake and stated that they will email NACS to clarify the mistake.
XXXX/XXXX/17 - NACS sent out a letter in an attempt to collect this paid bill from the hospital.
XXXX/XXXX/17 - I called them to clarify everything. One person informed me that they had already contacted the credit bureau. Another informed me that they had not contacted the credit bureau. Then another person informed me that they did indeed contact the credit bureau but deleted it because of the wrong address issue. I asked for a copy of the retraction letter and they informed me they could send it ; however, they could not admit that this should never have been reported to the credit bureau to begin with, given it was NACS and the hospital 's fault - I had never received the original bill. They refuse to write a retraction letter explaining that I was not at fault for the delinquent bill since I had never received a bill. I informed them that I did not want a retraction letter without a statement saying the credit bureau was incorrectly contacted due to NACS and the hospital using the wrong address to contact me. However, they refused to write a letter. I called their complaint division several times, but the extension does not work.
I am the victim of a Debt Collector, SOUTHWEST CREDIT SYSTEMS, L.P., who is trying to shake me down on behalf of XXXX XXXX XXXX, who claims I did not return XXXX equipment. I have however returned the equipment in question exactly as I was told to do by taking it to the XXXX store and giving them my information. I received a receipt and was told I was all set. However I have now a record on my credit report saying I have the XXXX XXXX XXXX account in collections because I did not return the equipment in the amount of {$480.00} USD. I do not owe this however because I returned the equipment and have paid all bills to XXXX XXXX XXXX.
There are many complaints about this company : They did threaten to come to my home and " arrest '' me. After the XXXX call, I called and left a voice mail message asking them not to contact me by phone again. If I have a legitimate debt, I told them to send it to me in writing. I received a call from her again the next day as well from another woman representing the same company. This woman 's tone was not as aggressive but she also threatened me. I called again, left another voice mail instructing them not to call me any more and to send me something in the mail if this is a legitimate debt. I also told them I would be filing a complaint against them. XXXX of them calls from a toll-free phone number and the other XXXX calls from a local # XXXX phone number that just rings when you call it. No voice mail. 

In addition, they also called my XXXX year old mom and also threatened her AND DISCLOSED personal information to her about me which made her very upset and nervous because they were telling her I needed to go to court otherwise I would go to jail!! 

Please stop these people and let me know if there is anything that I can do to HELP you stop them!
I have employed the service of a foreclosure defense attorney who has been helping me navigate the short sale process. My attorney has maintained constant contact with my lender, Fay Servicing. However, the lender failed to notify my attorney or her staff that the lender scheduled a sale date for my property. During the short sale process, my attorney was assigned to a single point of contact XXXX XXXX, who failed to make a good faith effort to disclose all pertinent information related to my account or account status my attorney contacted Fay Servicing beginning on XX/XX/18 to the current date. On multiple occasions my attorney called XXXX XXXX, my single point of contact and asked if there were any new notes added to my short sale file or my account. On multiple occasions, my attorney asked Fay Servicing if there were any changes to my account status and XXXX XXXX failed to disclose that the lender scheduled a foreclosure sale date on my property while simultaneously falsely communicating with my attorney that there were earnestly reviewing my account for a short sale. It amounts to dual tracking and is illegal. A lender assumes the role and responsibility to disclose ALL information related to the status of a borrower 's account. They failed to disclose information to my attorney who contacted my lender on a weekly a basis. My attorney asked XXXX XXXX on XX/XX/2018, XX/XX/2018 and XX/XX/2018. XXXX XXXX lied to my attorney and said that there was no foreclosure sale date on my property. On, XX/XX/2018, my attorney spoke to XXXX XXXX 's manager, XXXX XXXX and he said that he didn't know why XXXX XXXX would have lied or provided false information about my account status. After pressing XXXX XXXX for a full and truthful disclosure, did he admit that the lender scheduled a sale date for my property on XX/XX/2018. Fay Servicing engaged in inequitable and fraudulent conduct when servicing my loan. As a fiduciary, Fay Servicing failed in it's implied duty of good faith. Furthermore, Fay Servicing stands to benefit from misrepresentations that XXXX XXXX and XXXX XXXX made to me. Fay Servicing is liable for constructive fraud. The lender has a duty to disclose all information related to servicing my loan and repeatedly failed to do so. I employed a foreclosure defense attorney to communicate directly with Fay Servicing. Fay Servicing is by far the most mendacious lender with unscrupulous lending practices.
I opened the checking and savings account for promotion bonus. 

It said " Open a new checking and savings account in the Citibank Account Package between XX/XX/XXXX-XX/XX/XXXX. Within 30days of opening your account deposit {$15000.00} New to Citibank funds into the checking and/or savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. Get {$400.00} deposited to your account! '' I opened checking and savings account on XX/XX/XXXX with {$15000.00} deposit. 
I maintained this balance up to now. I called several times to Citibank and I still did not get the promotion. 
They kept saying different time period of 90 days. I want to get a promotion of {$400.00} and close all my account.
The debt is already paid with the original creditor and they agreed to remove the negative information and collection from my account with 24 - 48hrs. 
The collection agency just updated and reported the collection account to another credit bureau and I would like them to stop since the amount was paid in full.
regional acceptance is in violation of disclosing the details of my debt to a third party not authorized on my account to receive information. also i am getting at least 20 calls per day and i feel like this is stepping into harassment especially when they dont allow the phone to ring long enough to be answered or hang up when i do. please help
I received a call from a XXXX XXXX with Convergent Outsourcing about a alleged debt they say I owe from 2003, from XXXX of XXXX XXXX. She said she can call to collect on a debt if after it is past the statute of limitations of Debt collection of four years in XXXX and 10 years in XXXX. I advised her that the alleged account was over XXXX years old and that they were in violation of several Federal laws by calling my without my permission and for accessing my credit reports to obtain my phone number and address.
I have a loan with Ditech Mortgage made the XX/XX/XXXX payment of {$2000.00} which was received on XX/XX/2016. For some reason they put them in " suspense ''. To date they have not released the funds. Fear that this will hurt my credit and cause me a late penalty. The account was current prior to this.
Wells Fargo bank access my account and withdraw funds without my knowledge or consent. Ive attempted to speak with several representatives from their company with no success, all that happens is Im transferred from agent and calls being disconnected. I also spoke with third Office if the president and the handling was poorly done. I am requesting relief and resolution regarding this matter. I spoke with XXXX and respected a call back and was denied.
To whom it may concern : I have been trying to work with BMO Harris Bank Mortgage Dept. and Illinois Hardest Hit Program for about I year now. 
My Rep is XXXX XXXX of the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL.XXXX  email : XXXX XXXX XXXX, XXXX Fax # XXXX XXXX has been assisting me with my mortgage lender to either have the lender refinance our mortgage or have assistance paying the mortgage. 
The HHF has approved us but the lender has not. 
We have acquired very high medical bills due to illness and really need this help.
A " debt collection '' agency is trying to solicit payments on a debt to XXXX that I do not owe. The same number XXXX XXXX ) had called me on XXXX XXXX at XXXX and again on XXXX XXXX at XXXX. I returned the call at XXXX on XXXX XXXX. When I first got on the line, a woman told me her name and company too quickly for me to hear. She asked me to confirm my name, which I did. She then asked me to confirm my address, which I did not feel comfortable doing, so I asked her to repeat the name of the company. I typed the same into XXXX quickly, and realized that others have complained about solicitation of false debts. The woman on the line asked me to confirm my address, which I did. She had already known my correct full name and address, even though I have never shared this information with this company. She then informed me that I owe approximately {$600.00} to the company XXXX, which is ridiculously untrue. She asked how I would like to pay today, and I hung up the phone. I have since logged in to my account on XXXX 's website, which I made when I bought a dish for XXXX in 2012. My account shows no other purchases since the dish, and certainly no existing balance.
I filed a Dispute on XX/XX/XXXX with Experian for inaccurate information showing on my credit report ( dispute report # XXXX ) from XXXX XXXX XXXX for a Auto loan on a XXXX XXXX XXXX. 

XXXX XXXX place a delinquency on my credit report but confirmed in the dispute report ( see attached ) to Experian that the account was always in good standing from inception to close but for some reason I don't know why Experian will not remove the Delinquency from my report. 

I called XXXX XXXX and got a copy of my statement ( see attached ) showing account being paid off and not EVER being late. 

This is so unfair and not rewarding to someone like myself who prioritize bills and make sure they are NEVER late.
I have been charged over {$1000.00} in overdraft fees by Regions back over the past year. I am a XXXX  XXXX who also works full-time making the Illinois minimum wage of {$8.00}. The fees charged by regions are exorbitant. While they are technically " legal '', they are predatory with no relief for the struggling consumer. For instance, my most recent overdraft was caused by a single bill which automatically comes out of my account. However, because other items were pending, that single bill cost me {$210.00} in a single overdraft fee for multiple items that were " pending '' despite being drafted from available balance. {$210.00} for a {$91.00} overdraft which I covered by depositing money into the account the same day the charge appeared on the account. This is absolutely predatory as a charge for charges that are still pending. I brought the account current before the charges posted and am still having my hard earned money stolen from me. And the CFPB is supposed to protect consumers? Where is our protection from blatant theft like this? With so many companies forcing automatic withdrawals such as XXXX, XXXX and other services, it becomes exceptionally difficult for those of us making next to nothing to accurately monitor an account which always sits so close to the overdrawn mark. This practice of punishing the less wealthy for being less wealthy needs to change because what I would like to see, is the option to have an account that just simply declines ALL purchases that overdraw the account. If the money isn't there, don't pay it. I would much rather pay a late fee or a have a service shut off that be charged {$210.00} in a single overdraft!
I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted XXXX. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed
In   XXXX   XXXX  , I returned home from  XXXX  where I had been living since   XXXX   XXXX  .     As part of the dispute, the sent m e two lett ers, dated   XXXX   XXXX   XXXX   and    XXXX   XXXX   XXXX   . They also sent me all the statements from    XXXX   XXXX    through   XXXX   XXXX  .      1 ) T he   XXXX   XXXX   letter provided an address that is fraud/belongs to the identity thief (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Louisiana ) and indicated that a credit card had been shipped to this address on   XXXX   XXXX   XXXX  . This address is listed in the  one or more o f the statements that were shipped to me at my address. The address on the statements at the time the credit card was sent in   XXXX   XXXX   is  XXXX , Missouri - not the address indicated on the letter.      2 )  The   XXXX   XXXX   letter provided the address where I have lived since   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   UT  XXXX  ), a nd stated that they had sent a credit card to my address on the same date in the first letter,   XXXX   XXXX   XXXX  . I was living in  XXXX  at this time, had not applied for nor ever received a  Discover cre dit card, nor had my family ever received a credit card for me at this address. This address - my address - is NOT listed on ANY of the statements. The address on the statements at the time the credit card was sent in   XXXX   XXXX   is  XXXX , Missouri - not the address indicated on the letter.     ***** In an attempt to validate a fraudulent account without accurate or complete investigat ion, Discover perjured th emselves in providing false, unfounded, undocumented, and conflicting information to their own documents. ****
On XXXX XXXX I sent to Transunion via Certified Mail a letter disputing several unverified items which arrived at Transunion on XXXX XXXX, XX/XX/2015
I keep receiving the same bill in the mail stating I owe {$49.00} for a coin I never ordered or received. I am unsure what this company is and I differently am not sending in money for something I did not order. I do n't even have a interest in a coin or anything this company is selling as I do not even know who they are. I have received multiple letters saying -This is unacceptable! - and that they are putting it in collection which goes on my credit.
I have a card with Chase for many years and I spend a lot of money with the card. I have had couple of instances that I have disputed a charge with them, but their dispute resolution department is very bad at responding to issues. ON this last one, I have started the process XXXX, every time, I have sent them documentation, and after 2-3 weeks I get a letter back from someone saying that they didnt get documents, so they are not doing anything or that they do not feel that I have a case without a reason. 

The same is true with all of the services that Visa offers. Like purchase protection, theft protection, extra warranty, and .... Every time, this is a bust.