WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX I called the number on the back of my card because my transaction was declined come to find out someone has been using a copy of my card making purchases and taking money out all while I was still using my card on a daily basis. My claim amount and number is # XXXX {$6000.00} the second claim was # XXXX {$1400.00} then I was advised I had nothing to worry about id be given a credit and they would do their research a couple of days later no credits to my account had been applied so I called ad the SPECIALIST that had helped me the first time made a duplicate claim of both claims which got my claim automatically denied because it was as if I was trying to lie my way to get credit. which in itself is not accurate because it was never my mistake then they reopened the claim but I had already had a bad start with there now being 4 multiple claims that I had supposedly filed. they never credited me anything and still deny the fact that they need to refund me the money that was stolen.
I intended to buy a home with a mortgage in 2007. Seller misrepresented, forged documents, and committed a bait-and-switch. I was stuck with a manufactured home with what appears to be an installment loan instead. As a XXXX buyer, I feel especially targeted. Both parties were informed but no cooperation or correction transpired. When I became unemployed and XXXX, my income shrank. I proactively obtained a Chapter XXXX Bankruptcy while all bill payments were current and never missed. This was successful. I also proactively attempted to get a loan modification before any problems would occur. Instead of helping, the bank rejected XXXX attempts, committed errors, failed to communicate effectively, and ultimately charged off the account. Even an attorney attempted to intervene to no avail, which caused me more financial harm. Furthermore, some payments were not credited. After two years of zero communication, the lender is now threatening to " repossess '' my home! At this moment, no detailed letter has been received. My trust is less than broken. Due to the dishonest transaction, I could become homeless in a matter of days ( unlike a foreclosure or eviction process ). I would have walked away from the house if I had a place to go.
XXXX called my cell phone at XXXX XXXX  on XX/XX/2018. They left a voicemail that says this exactly : " We have an important message from Affiliated Creditors. This is a call from a debt collector. Please call XXXX Extension XXXX. Thank you. '' I have 0 debt in my life, and I have never had any form of income. I am a XXXX XXXX with no debt, and these people should not have my number at all.
My husband died. The property was offered a trial modification and I sent in payments since I live in the home and want to keep the property. My name is listed on the deed and the security instrument. I also believe my name is listed on the mortgage note. I just want to keep the property and assume the mortgage. I have lived here for over 30 years.
Since our Chapter XXXX Bankruptcy discharge in XXXX of XXXX, communication with Seterus has become very difficult and questionable. Today we talked with a certified HUD counselor who informed us of this option of filing a complaint. We also discovered today as we reviewed our case, that the loan modification finalized in XXXX of XXXX was not recorded with the XXXX Office until XXXX of XXXX. Other issues : we have n't received monthly mortgage statements ; sent into foreclosure without a notice of default being filed. Differences in amounts owed versus recorded amounts paid. Non receipt of payments following bankruptcy ; we sent payments in to reinstate the loan, only to find out later that payments needed to be certified funds ( re-instatement letters indentifying this requirement received after funds were sent in ) ; Seterus unwilling to certify funds received by calling banks ; receiving different information with each phone call, sometimes within hours of each other ; an overall lack of willingness to assist in resolving our circumstance by hiding behind, unreasonable company policies and guidelines.
When I signed up for my credit card through US Bank I was told by the CSR my account would be interest free until approx XXXX 2015. I initially called in regarding something on my checking account. I opened XXXX savings accounts and was told I pre-qualified for a credit card through US bank with 0 % intro APR. I was charged APR. I attempted to call US Bank to figure out this situation. I asked them repeatedly to pull the call and listen to the call, so we could determine what was said to me. Supervisor said does not have option for call review. I was told there were no way to pull the call despite there being a call log. This a bait and switch on their part and apart of fraudulent business activities.
My account is set up on auto draft every month. I never really took notice until I received my tax statement for XX/XX/2016 but my payments have not been applied to any of the principal for the last 4 years. In my payment history, I can see the payment break down of principal and interest but my balance has been increasing and therefore I am paying more in interest as a result. My tax statements show that my interest paid is the total of every payment for the year. I called Navient customer service and they gave me the run around and told me the opposite of what my account and tax statements say. I understand there is a class action lawsuit for this issue currently in the works but I want to get the issue fixed so my future payments are applied correctly. Basically, this has doubled the remaining payment terms.
We purchased a home through XXXX in 2015. We never missed or was late with payments. We later learned they transferred the mortgage to Roundpoint Mortgage Servicing. Again, we have never missed or been late with payments. If this is a " mortgage servicing '' company, do they own the mortgage or are they servicing it for XXXX. Neither will answer this question. The problem is Roundpoint is rude and difficult to deal with. They charge {$10.00} fee for using the automated system, which is absurd, but we used it once to make sure we were not late with the payment. Now they have sent us a threatening letter saying they will our bank information anytime they wish. I have explained to them we are calling our bank and blocking them from charging our account any further as they have they payment and {$10.00} fee. I only authorized a one time fee but they seem to think they can take whatever money they want. Most important - who owns the Mortgage?
Over a year ago, Allied Collections started collecting on an account it said was owed to XXXX, in the amount of about {$470.00}. Around XX/XX/XXXX, I noticed they had reported it to various consumer credit reporting agencies, like XXXX. That month, I settled the account with Allied, on the condition that they request deletion of their tradeline from any credit bureau it had been reported to. I was told by the collection agent that Allied would be requesting deletion of their information from the credit bureaus. 

However, they did not do this, despite promises otherwise. I followed back up with Allied and they said they would take care of it and ensure their tradeline was deleted. 

Worse, when I disputed the information to XXXX, Allied *confirmed* it was supposed to remain reporting to my credit history. 

As of XX/XX/XXXX - almost a year after payment - the account remains.
Financed a vehicle from XXXX of XXXX ( XXXX XXXX XXXX ) back in 2015. After paying down payment & signing paperwork, went to get insurance and was told my insurance company vehicle had savage title ( I was unaware ). Called company and spome with XXXX who sold me vehicle and she says was unaware as well. Only option I was given was to keep and pay on vehicle for 15 months and would let come back and do a trade on another vehicle ( which would result in another credit as well as down payment, basically starting all over ) when i wouldve been half way through current loan. Also some other issues with the vehicle, some of which company had fixed, others I got the run around on. Months into having the vehicle it broked down as well as leaking from roof and doors causing mold on carpets and ceiling. I emailed XXXX XXXX said nothing can be done so told her where the vehicle was and told could pick it up because I refused to invest anymore money into fixing or payments. She said would send someone out for vehicle, have it repaired and sold at Auction. Vehicle was recovered and placed on my credit as VS eventually but I never recieved anything on what was sold for or anything. Reporting on my credit for what I originally owed. Every month or so the balance would go down to 0 and then back up again to almost {$7000.00}.
I have no knowledge of the following accounts, nor do I have a contract with them, and according to the FCRA these accounts shall be removed from my credit report. ( 1 ) XXXX XXXX XXXX {$730.00}, ( 2 ) XXXX XXXX {$56.00}
I live in XXXX, Missouri. Tower Loans ( out of Mississippi ) moved to our area about five years ago. I knew that my credit worthiness was low, and I had very few options for a loan except through a sub-prime institution. I received XXXX loans from Tower Loans. I owe Tower Loans over {$5000.00} dollars. XXXX loan is secured by a non-running vehicle. The other is secured by furniture. I got behind on payments because of illness and continued underemployment ( part-time work ) during the last four years. I am not disputing that I owe the money. I want Tower Loans to stop calling my department head 's office to locate me. I have a direct work line with the capacity for private messages. 

I have asked Tower Loans to not call my department head 's office and asked to be transferred to me at my desk. I have a direct line. The loan personnel at Tower Loans said that they could call any office they wanted because they originated the loan, and were not a " debt collection agency. '' I insisted that the law refers to " debt '' in a global manner. I need to know my rights, and if I am misunderstanding the law. I am fine with the calls to my desk phone, but I can not abide by the calls to my department head 's office. Even though my work is part-time, I still need my job. Moreover, I am concerned with this harassing activity. 

Sincerely yours, XXXX XXXX XXXX XXXXXXXXXXXX
On XXXX XXXX, I received my annual credit report. In detailed a listed an account from Amsher Collection SE. It states they are trying to collect a debt from XXXX XXXX. I have called and written letters asking that this debt either be validated and/or verified. Amsher Collection has not responded via written or verbal. Since they have not responded within the 180 days allotted, I am asking that they remove this information from all reporting credit bureau ( s ). They have no information listed except that this information was brought by a third party in XXXX.
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
The caller is XXXX XXXX from XXXX XXXX. They call multiple times a day leaving voicemails stating they are coming to my home to serve me if I am not there they will come to my job. I told them to send a letter to prove I owe the debt and I will be willing to settle if indeed I owe this debt. While I do know at one time I had a loan with Cash Central,  they responded saying they have nothing on file for me. I asked if they sold a debt of mine to anyone and they never responded. XXXX XXXX from XXXX XXXX  refused to give me an address or a valid company name. There is no XXXX XXXX litigation company when I search online. The number they call from is XXXX. They go through the whole long voicemail about how they are coming for me.. at work.. at home.. with a uniformed officer. I have all of the call records and voicemails to prove it. They tell me to call XXXX. They say they sent me something 45 days ago. I said please email me or mail it to me because I did not receive anything. She said she cant because they already sent it! I am so done with these scamming collectors who violate all the laws! I will be reporting every single one and saving all of my evidence!
The company is reporting the incorrect balance to XXXX XXXX XXXX showing on my credit report. Please have XXXX XXXXXXXX XXXX do an Validation fo Debt.
Complaint wrong furnisher XXXX/XXXX/XXXX This complaint is in reference to wrong furnisher reporting on a XXXX account. Currently this account is reporting under furnisher XXXX XXXX XXXX subscriber # XXXX The correct furnisher is XXXX XXXX XXXX subscriber # XXXX. 
The FDIC has stated on XXXX/XXXX/XXXX the account belongs to XXXX XXXX XXXX and I have been instructed that they are to receive the FTC Fraud Affidavit. 

I have notified XXXX XXXX XXXX through there represented on XXXX/XXXX/XXXX that the FDIC has stated that XXXX XXXX XXXX is the owner of the debt. However XXXX XXXX XXXX continues to report as furnisher. 

I believe I need to file the FTC Fraud Affidavit through TransUnion with a FCRA 605b attached, so that the account can be blocked from my credit report. 
I do not want my FTC Fraud Affidavit to accidentally be sent to the wrong company. 
I believe each company has there own policies and procedures for handling FTC Fraud Affidavit, therefore it would seem important the FTC Fraud Affidavit went to the right company. 
Please see attached letter sent to TransUnion on XX/XX/XXXX and letter from FDIC dated XXXX/XXXX/XXXX stating the account belongs to XXXX XXXX XXXX .
Whom This may Concern : All three of these complaint 's are tied in together. Our home we feel was unfairly foreclosed on XX/XX/XXXX at XXXXXXXX XXXX at the XXXX County Courthouse. 

1. XXXX XXXX XXXX was the cause of all this. Had they worked with us none of this would have taken place. I would have been able to keep working as a Broker paarttime and kept our payments made on our first mortgage instead of trying to move me and everyone and everything our of a home we built, loved and wanted to keep. 
I put the home on the market for sale in case I could not save our home fast enough, then XXXX and XXXX XXXX XXXX would get their money and we would hopefully get some of the well over {$100000.00} equity we had tied up in the house. We built in XXXX. XXXX XXXX XXXX appraisal came in at {$430000.00}. In XXXX we put a extra {$20000.00} plus my husbands labor and another builders labor into the house. In XXXX I had a local appraiser appraise the house as they once work with XXXX XXXX XXXX. They brought the house in low at {$420000.00}. 
XXXX at XXXX was helping us second week of XXXX to get a loan modification with XXXX XXXXXXXX since the foreclosure was stopped on XX/XX/XXXX. XXXX said she subnitted the 185 plus page documentation to XXXX in the portal on XX/XX/XXXX. 
The next day XXXX calls me and said they had sent the loan to Bay View Loan Servicing. I was told to work through them for a loan modification. All the while XXXX had reset the auction foreclosure date for XX/XX/XXXX. There again tying up our hands from getting a loan modification through Bay View Loan Servicing or  giving us a chance to sell at market value. They killed us by advertising our home up for a starting bid of {$200000.00}. 
XXXX lies when they said I said there were no changes in there letter. I told them there were no changes, except I had another few closings and I still was waiting on my XXXX taxes to be completed by my bookkeeper and CPA. 
XXXX XXXX XXXX  XXXX denied us a loan modification. They said because it was within a 37 day period of XXXX foreclosing. 
I DO NOT UNDERSTAND WHAT BAY VIEW SERVICING WAS DOING WITH OUR LOAN WHILE XXXX WAS FORECLOSING. XXXX XXXX XXXX IS BEHIND THIS. 
our family is devastated. the buyer broke into our home the next day and changed the locks. My bookkeeper was there getting my washer and dryer when they broke in the kitchen door. 
We have been abused. Both banks could have worked with us. i proved by keeping in contact with them monthly and sometimes weekly that we were good creditors. we paid them, fell on our luck a few months and they stole our home. We are noe out of our {$100000.00} dolaars only retirement money we had. 
Bay View called on the XX/XX/XXXX to say they will be in touch. i told them they foreclosed on us. 
Please help get to the bottom of this. 
Respectfully, XXXX and XXXX XXXX
I called Navient to inquire about late payments that were reported on my credit report as 90 days late in XX/XX/XXXX. It seemed off considering after I'd gone through a detailed record of my loan history ( from my Navient account ) and notice that I'd requested and was approved for a forbearance early in the fall of XXXX. While explaining this to the Navient representative, she looked at my account on her end, she could not explain nor support the reasoning as to why I was reported 90 days late on several loans that were in forbearance. I disputed this information with proof from documents obtain from the credit bureaus as well as documents obtain from Navient itself. Navient has fail to respond in a timely manner with a viable explanation and solution, while time continues to pass with incorrect information that continues to adversely hurt my credit.
I am having personal difficulties with Citibank that I hope you may rectify. I have been a customer since XXXX XXXX with XXXX credit cards totaling approximately {$45000.00} in available credit. I use my Citibank credit card for all of my daily transactions. I had a breach of my card number in XXXX resulting in XXXX unauthorized transactions totaling {$4600.00}. I did not receive XXXX alert of potential fraud and I found out when I received my statement. I immediately called and had the card deactivated and initiated the claims. The card has always been in my possession. Unfortunately, the level of service that I have received has been extremely poor. I still have {$4000.00} unauthorized fees that have not been credited to my account and it has now been one month that I have been actively seeking a resolution. I have called and emailed from the web portal multiple times to at least receive provisional credit as the case is being worked and I have not received any assistance in resolving the total claim. I have only received a partial claim for transactions that happened after the statement. During multiple calls, I have discussed with various supervisors whose ID numbers I have notated, but each time I am told I will receive credit within XXXX7 days. This has not happened. On XXXX occasion, a supervisor was extremely rude to me and did not offer to assist in any way. He actually told me to stop calling. I have exhausted my attempts to resolve this matter and I am hoping that you may assist me in rectifying this situation. I have stopped using my Citicards for my daily transactions until my issue is resolved and I am in the processing of changing my auto payments conducted with these cards. I would like to mend our relationship and I thank you in advance for your assistance. 

I have called to attempt to resolve my issues with Citicards XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX.
I am presently going through a refinance of my home with XXXX XXXX XXXX XXXX. Prior to selecting them, I contacted several other mortgage companies so I could compare rates and fees. I got a copy of my credit report and I saw several hard inquiries from companies that I did not authorize. 

1. Credit Technologies -XX/XX/XXXX. Called the company at XXXX and was told they pulled my credit for XXXX XXXX, a mortgage broker at XXXX XXXX XXXX ( XXXX ). XXXX did my mortgage for a home I had built in XXXX. I sent him an email simply asking what their current rates were and a break down of their fees. I did NOT complete an application nor give him approval to pull my credit. He emailed back with the info I asked - he never mentioned he had made a hard inquiry of my credit. I called today and spoke with XXXX XXXX, the manager at XXXX XXXX XXXX ( XXXX ) and XXXX tried to tell me that " XXXX had to do that in order to get you the most accurate rate. '' I told him that it was illegal to pull my credit without my authorization and he said they " can pull anyone 's credit anytime '' - he also added that he " did n't know how to remove those, anyways. '' 2. Another inquiry from last summer, also from Credit Technologies. This one was pulled for XXXX XXXX ( XXXX ), a company I 've never heard of nor dealt with. The girl who answered the phone said that mortgage broker " is no longer with the company '' - she pulled a file and said she had a " hand-written application '' - some of the info was mine, but a lot of it was not. I was told the owner, XXXX XXXX was " out of town but the message would be passed on. When I told her I wanted the hard inquiry removed from my credit - she said " oh those do n't do anything to your credit. ''
In the fall of last year I called XXXX XXXX XXXX to get information and pricing for a home phone because I was thinking about switching from XXXX. I only asked for pricing information but unbeknownst to me the Customer Service Rep had put service in my name that I did not authorize and never knew I had the service until I received a bill in the mail. I called XXXX XXXX XXXX and explained the situation and after about 3 weeks of talking to various different supervisors the last person I spoke with ensured me that they had credited my account to a zero balance and closed it. Know I am seeing that I still had a balance and it was sold to Receivables Performances I called them and explained that I do not owe this debt as I never authorized for it or used the services.
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative accounts on my credit report. I 'm a  XXXX   XXXX  veteran, which suffer from getting help with certain services due to inaccurate reporting-which is hurting my credit scoring. After several requests to provide documents to validate the debt below, Ive been denied copies. I feel my rights under the FCRA have been violated  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$19000.00} Last reported  XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  Balance : {$5400.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX , TX  XXXX  Balance : {$4400.00} Last reported  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$55000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$23000.00} Last reported  XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$17000.00} Last reported  XXXX   XXXX  , 2017      XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  Balance : {$2200.00} Last reported date  XXXX   XXXX  , 2017    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Balance : {$840.00} Last reported date  XXXX   XXXX  , 2017