WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I received a phone call from East Point Recovery Group from a man named XXXX XXXX who wanted to speak to me about a loan that I took out from XXXX that got sent to their company to collect the debt. Speaking to him he openly admitted to me that he spoke to my 'estranged father ' who I haven't spoken with in years and who is no longer apart of my life about the debt that I owe, how much it is for, and the deal they are willing to offer me. My father is not on any documentation that would authorize them to call him or disclose my personal information to him and this man told me he was on the loan and was very easy to contact him and he did not go digging for him information to contact him ( not true ). I have never received a phone call from them before I spoke to XXXX XXXX on this day. While speaking with this man we had made a deal that I would speak with him in 2 weeks on what I will choose to do as I need to find a way to come up with the money. During this conversation and in later conversations they had told me multiple times there will a good possibility I will be litigated against if I do not settle this debt soon. Days later I spoke with the manager of this company named named XXXX XXXX. They had called me multiple times days later after I had agreed to speak with them again in 2 weeks. These dates they called me were on XX/XX/XXXX and XX/XX/XXXX. When I finally called them back XXXX XXXX was more aggressive with the matter saying they need to figure this out in the next couple days, threatened the possibility of me being sued, etc.. I had asked her for an invoice on how they are coming up with the amount I owe ( {$3300.00} ) and she said she cant legally give me that. I asked her to send me something in the mail showing me they are allowed to collect this debt and she said they can't mail me anything again because they already tried but I never received anything in the mail and are legally allowed to mail me again. I asked for original documentation of me signing for this loan ( just trying to find anything to show me some proof they are allowed to collect the debt ) and she said they don't have it. I was then emailed that day documentation of me signing for these paper with the papers being a XXXX and with my E-signature on it but I never authorized anybody to do so, this loan was approved in person with my own personal signature. Also on these documents she sent me there is other false information on there saying I signed for this loan at a certain time which is false, an email from XXXX that is false, and a credit score of mine when the loan was approved which is also false.
So we get this collection from XXXX XXXX XXXX on our credit report that dings our score we have done a dispute the credit reporting companies find in our favor and remove the credit from our credit just to have XXXX XXXX XXXX sell our debt ( thats not ours ) to a diffrent collection company so we dispute again and win XXXX XXXX XXXX keeps selling our debts to diffrent collection companies every time we get it removed from our credit. It has stopped.us from purchasing a motorhome. It has recently ding3d our credit from XXXX to XXXX XXXX points.
My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX  {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.
I had a XXXX XXXX XXXX account in XXXX and some one got a hold of my checks and over drafted my account by over {$1700.00}. XXXX XXXX XXXX refused to do anything about it and I refused to pay it so it went into collections. XXXX acquisitions had it first so I hired XXXX XXXX XXXX to have it removed and XXXX in turn did remove it off of my credit report but turned around and sold it to XXXX XXXX XXXX. So we disputed it again and it came off my report again, however it now got sold to Convergent outsourcing inc. We are disputing this for a XXXX and hopefully last time
So I became an authorized user on my moms account when I was XXXX years old and apparently she had a late payment which stuck to my credit score and now my credit is down. I tried contacting capital one they were no help I just want it removed from my history because it wasnt my transaction.
On XXXX XXXX, 2015 I was booking tickets on XXXX XXXX web site when I was presented a pop-up, that offered a {$50.00} statement credit if I opened a Case XXXX credit card and charged the XXXX ticket to the new card. After several calls to both XXXX and Chase, which resulted in agreement that I should get the credit, followed by letters that state I did not follow some undefined procedure, they claim I am not entitled to the credit. I am still waiting for an explaination of what I did wrong, because the folks on the phone ca n't telll me.
ECMC sent me a letter dated XXXX/XXXX/2016 which stated that it validates a debt regarding Stafford loans, but their statement is fraudulent. I do not owe a debt to ECMC. The debt was consolidated with the U.S. Department of Education ( XXXX ) two years ago, and is being paid by me to them, and the documentation is a matter of public record since they are a federal agency. In addition, the private loan has also been paid to private lender XXXX. Therefore, I do not owe a debt to ECMC. I wish to dispute ECMC 's fraudulent reporting to credit agencies. ECMC needs to stop sending me letters and calling me. I do not owe ECMC anything, because I consolidated my student loans two years ago and I have been paying on them this whole time. I attended XXXX University, and before that, University XXXX.
My Credit Score Was At About XXXX  Back In Early XX/XX/XXXX. i Had Late Payments Thus Derogatory Remarks. Made Payments Later That Year. Credit Score Went Up To Around XXXX. i Kept " Late Payments '' At XXXX  . Made A Payment In XX/XX/XXXX. Yet Credit Score Remained Stagnant.

Based On TransUnions Customer Representative, Factors Matter. The Only Factor Based On The Factors Used To Determine The Credit Score Is 'Late Payments '. None Of The Other Factors Have Major Effect On My Account, Since They Are Up To Par.

If Back In XX/XX/XXXXThe Credit Score Went Up After Making The Payments, Why Not In XX/XX/XXXX Payment?

Every Time i Directed The Customer Representative To The Point Of My Call, She Tried To Divert My Attention.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}
Navient is a horrible company. Do not use them. The customer service representatives have hung up on me. Also the employees have been unable to give me complete, accurate answers on important information about how much my payments are or will be. When I ask questions they sometimes just refer me to the XXXX XXXX XXXX. And they send emails to my Navient inbox that do not give any explanations. This is serious! If you want me to pay you {$35000.00}, You should give me answers. I am currently in contact with the XXXX XXXX XXXX to have this matter resolved. If the XXXX XXXX XXXX can not or will not resolve this matter I will get a lawyer.
My personal information was impacted by the Equifax data breach on XXXX XXXX, 2017
XXXX is calling my friends and family and threatening legal action on a debt not mine. They have my information wrong and continue to call and harass my friends and family after being told to stop calling. 

XXXX/XXXX/XXXX - called friends and family XXXX/XXXX/XXXX - called friends and family XXXX/XXXX/XXXX - called friends and family
State Farm Bank has decided on XXXX XXXX to block access to my data accessed through the bank 's website. I manage all of my finances using XXXX by XXXX. See below for the email. I spoke with XXXX XXXX XXXX, at State Farm Bank on Saturday, XXXX XXXX. He said that this was a bank-wide policy, and there were unable to reverse their decision to restore access. He informed met that this policy change is being done to protect my information. The use of my information and the trust that I place in XXXX in my business. The blocking of my access to my information I have been harmed. I will be closing these accounts if this access can not be restored. 

Here is the text from the email provided : You are receiving this email because you have been identified as a State Farm ( R ) customer who has a relationship with XXXX ( Finicity ) and XXXX XXXX XXXX XXXX ( XXXX ) provider ( s ) .1 State Farm works hard to stay up to date on the latest ways to keep your personal information secure. With that in mind, we 've decided to discontinue your XXXX provider 's access to your online account information as of XXXX XXXX, 2016. This means you will no longer be able to include any State Farm products within your XXXX provider 's website view.2 We apologize for any inconvenience this may cause in managing your financial accounts, but we believe it is the best way to ensure the details of your account with us are safe. Learn more about how State Farm keeps your personal information secure by visiting our privacy and security page. 


You will still be able to access your State Farm policies and accounts anytime by logging in online using the button below. You may also access your account information on the go with our Pocket Agent ( R ) app, which is available for Android and iOS devices.
XXXX XXXX XXXX XXXX calls me several times a week. It is a recording and they leave me a voice mail saying they are trying to collect a debt. When I call in, they say there is no record attached to my phone number ( the one they call several times a week and leave me voice messages on ). I have asked them to stop calling. This has literally been going on for months. The young man I talk to repeatedly there says there is nothing they can do to stop the calls.???? So, they can not tell me why they are calling and they will not stop calling. I do not have a clue how to resolve this since this company has no way to remove my number from their records even though they do not have any debts attached to my number. How is this even possible? It would seem if they can repeatedly call me weekly, they could track where they are getting my number.
Force-able collections and predatory lending. Wells Fargo completed set-off on XXXX of my accounts well before any last resort action or fair practices were taken.
XX/XX/XXXX title loan of {$2500.00} with a interest of 123.99 % total {$9600.00}, I am a veteran on a fixed income, be compensation/pension how can they do this, I need help!
i have been a victum of identity theft. i am currently employeed with XXXX XXXX XXXX. in XX/XX/XXXX i was made aware of collections on my credit report from XXXX. three separate collections, one is {$670.00}, {$650.00}, and {$710.00}. All three were with a collection agency named Diversified consultants. During that time, i have faxed in all info required to prove my identity and that these accounts were all ooened without my authorization. those 3 collection accounts were eventually removed from my credit. In XX/XX/XXXX, all three of these collections reappeared, but now with a different collection agency. that collection agency is called XXXX XXXX. i also have 2 separate collections with XXXX XXXX from XXXX XXXX XXXX. those 2 accounts are a total of {$2100.00}. these accounts were not employee accounts and also were created due to identity theft. i have tried to take care of this on my own, but not getting anywhere. now im getting consistant calls throughout the day and also family and friends are being harrassed about these collection debts that i did not authorize. i am hoping this can be resolved that will result in these attempts to collect these debt cease and removed from my credit. any help would be greatly appreciated
Although I had available line of credit {$3700.00} I attempted to make a purchase in the amount of {$840.00}, from XXXX and the purchase was declined. According to XXXX Bank of America ( BOA ) denied the purchase. I immediately contact BOA and asked why the purchase was cancelled or declined according to BOA they had no knowledge of the declined although I had a copy of the cancelled purchase order. BOA referred me back to XXXX. After going around in circles I immediately cancelled all purchased with XXXX and again reached out to BOA and explained the problem. BOA then placed an hold on my account in the amount of {$840.00}, and refused to removed said hold denied use of my full line of credit. BOA claimed the hold would drop off within 48 hrs. The hold was still on my card a week later, I again reached out to BOA explained I did not make the purchase, I wanted to use my entire line of credit and asked BOA to remove hold which they refused. 
The BOA placed the actual charge on my card and charged interest for the purchase and still refused to remove said charge with full knowledge I did not place the order, the order was declined and no merchandise was delivered.
I had a mortgage with XXXXXXXX XXXX XXXXXXXX, Loan #  XXXX. 
XXXX sold the mortgage to LoanCare, Loan # XXXX as of XX/XX/XXXX. 
I never missed any payments. XXXX was always paid on time and LoanCare was always paid on time. 

The loan closing with XXXX in XX/XX/XXXX was a mess. They overpaid some of the credit cards and other required payments and I was required to bring several hundred dollars to the closing. When my Wife and I took this additional cash to closing, they were not there. They sent me to the wrong closing attorney in Downtown XXXX. They had to reschedule another attorney to come to my home. Plus that I was getting refund checks for months from all of the miscalculations on the closing statements. 

And there is more. The appraisal was totally wrong. They valued the first floor of the house as uninhabitable. This is just plain weird. The first floor as originally built, with central air/heat, with a full bathroom, with a fireplace was not counted in the total floor space. The appraisal included only one of the two bathrooms and two of the three bedrooms. This appraisal was so messed up that it will be the subject of another complaint. The only reason that it is discussed here is because I had to re-do this mortgage. My wife and I just put XXXX kids through college and we were working out of the 8 % charged by the Dept. of Ed. 

So here is the complaint. When I refinanced this mortgage there was a tax lien. Somewhere between XXXX and LoanCare, nobody paid the property tax for XXXX County. Both mortgage companies require escrow. I would not have know about this if not for the re-fi. My assumption was that the property taxes were paid from escrow. 

LoanCare did send me a check for {$1000.00} in XX/XX/XXXX. And I did n't put it together with the property tax that was due in XX/XX/XXXX for the approx amount of {$1500.00}, ( amt paid XX/XX/XXXX ) or the adjustment needed for the City tax of {$300.00}. So ... ..maybe I should have looked a little harder. But at the time I just though it was another screw-up. I was well conditioned to accept a low standard of service. 

So, I do n't know what this cost me. I have attached the closing statement from my new mortgage company, XXXX,, which shows the cost of settling the tax lien at {$1800.00}. I do n't know how this reconciles with the {$1000.00} returned to me in XX/XX/XXXX or the actual cost of the XX/XX/XXXX XXXX County property tax of approx. {$1500.00}. I believe that the {$300.00} of City tax was paid. And I do n't know what the cost is of having a lien on my credit report and what that costs for the APR on my new mortgage. 

But I do know that there were additional cash expenses for XXXX to clear this lien in able for me to close my new loan.
I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called Caine and Weiner many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XX/XX/XXXX, and again XX/XX/XXXX. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from XXXX. I asked for who the name of the person was that they spoke to at XXXX, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between XXXX and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called Caine and Weiner and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against Caine and Weiner. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.
Bank of America has an old debt of mine that they charged off. They will not allow me to settle this debt at this point because they wrote it off as a loss but they are continually, on a monthly basis, reporting this debt to the credit bureaus as a " late payment '' every single month. Their lack of regard for consumer credit reporting laws is stopping me from cleaning up the wreckage of my past and even more worrisome is making it impossible to get a home loan.
this account was paid in full and closed buy the consumer it was never late are Charge-off XXXX   XXXX XXXX XXXX  Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$7500.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History
Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Checking or savings account Issue : Managing an account Chase responded to me on the above complaint. I was promised a check of the full amount to the checking account that Chase froze. I received only a letter that Chase was looking into the matter. 

This has been many months and still no resolution. 

The effect of this refusal of sending me the money in my bank account has caused a great hardship. 
The full effect of this is that funds from another account have been taken because of no resolution of this Chase matter. I can no long pay utilities, car payment, food, and daily living. 

This has been many months of refusal of the funds XXXX XXXX XXXX
I wanted to dispute the transaction on XX/XX/XXXX with XXXX XXXX {$55.00}. When I called Compass Bank, the first lady ( XXXX ) I talked to barely spoke English and she did not understand my request and explanation. She pretended that she understood, but switched to the second lady, XXXX. She was same and had a communication problem.
I filed three complaints. Wells Fargo is the original service provide on my FHA loan. I fell behind and the foreclosure process began. My FHA loan was sold to XXXX. I completed a loan modification with XXXX. The foreclosure process was never stopped by Wells Fargo. Each complain Wells Fargo says they stopped the foreclosure process. However I recently received notification the process was stopped by Wells Fargo just a few day ago. 

In the pending complaint Wells Fargo stated they have not reached me. I spoke at length with their representative on XX/XX/XXXX. She provided me with the attorney who process their foreclosure. The attorney is listed on the notification with Wells Fargo. 

I attached the legal notice.
I went ot court in XX/XX/XXXX for an garnishment hearing on this loan in the court it was staified they did not closeout the garnishment and they This company will not send a close out to my job on this garnishment and they where able to go bavck to courk XX/XX/XXXX to court and win another XXXX from me in court. How is this fair pracices and i still havenot recieved anything from the company saying the garnishment has been statified
There is an open XXXX XXXX account listed on my credit file and I have never had a XXXX XXXX credit card ever. Please remove this mistake off of my credit file
I have sent a hand written letter to dispute the false 30 day late report via certified mail. I have disputed to Transunion and XXXX. I have written a complaint to attorney general and various other agencies to help me resolve this matter, I have never been 30 days late and in XXXX 2015 I had spoke with a XXXX XXXX XXXX XXXX that had promised me a arrangement due to unemployment. That I could make the regular car payment and that if paid late would accrue fee however, I would never be reported due to late fees for not paying on time. So fast forward 8 months and arrangement was kept on there end. I made the payment for XXXX 29 days late due to financial struggle and they reported me as 30 days late. I wrote a letter in regards to the FRCA 611 ( a ) act that this was indeed false report and I have been hounded in regards to payment that I have always paid. The collection department refused to work with me and where so rude and I feel like I have no control of being bullied in this matter. I need help as XXXX is lieing and holding to keeping this false information active so they do n't get in trouble. They are reporting falsely and I am paying for this emotionally and it is got me so distraught that they continue to bully me in this matter. I can provide documentation however want to make sure it is taken care of to protect my identity. Please if you can help me in any way. I await your response, thankfully yours. XXXX XXXX