WillisBack/dataset-financial-user-claim huggingface dataset:
A gentleman from a unknown phone number called me on XXXX/XXXX/XXXX at XXXX pm. The gentleman identified himself as XXXX XXXX, a investigative officer from XXXX XXXX in XXXX, Kentucky. He told me I had criminal charges pending against me and that I needed to call a XXXX phone number and give them a account number he gave me for further information. I told him that it was against the law to impersonate a officer for a debt collector. He said this was not that. I called the number and it was a collection agency who claimed I had a payday loan debt. The company could not give me a date of the loan or the address of the company that the loan was supposed to be owed to.They threatened to take me to court if I did n't give them current info or acknowledge the debt. I told them I had never received any information regarding this debt and that I needed something in writing they refused to provide it. They claimed this debt was prior to XX/XX/XXXX but, that the claim was filed then. The name of the company is Broadway Account Services.
In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise XXXX XXXX XXXX XXXX and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!
Our mortgage is serviced by Ditech ( ditech.com ).

We carry a flood insurance policy on our home voluntarily. We are not required to carry flood insurance as part of our loan agreement.

When FEMA issued us a new flood insurance statement this year, they also sent a copy to Ditech. We are listed as the payer if we choose to pay for flood insurance. Ditech took it upon themselves to add the optional flood insurance policy to our escrow account, making it no longer optional.

I spoke to the flood insurance program on XX/XX/XXXX to ask if Ditech had the right to add the policy to my escrow and pay it automatically without my consent. I was told that Ditech is not listed as a payer on the policy and they only received a copy of the statement.

I spoke to Ditech on XX/XX/XXXX to request them remove the flood insurance policy and under no circumstances pay it, that we are the payer of the policy and we would pay for it directly if we decided to renew. I was told by Ditech that I had to fax them a letter stating I wanted it removed, because it was the law that if they received a statement for insurance they had to pay it.

I faxed them the requested letter on XX/XX/XXXX to the two fax numbers provided by Ditech. I followed up with Ditech on XX/XX/XXXXand was told they did receive the letter but it takes up to 10 days to process the request.

The next day the wired a payment for the flood insurance in the amount of {$2200.00} making my escrow account go into the negative that amount. By this point I had already renewed my flood insurance policy for a lower amount. I contacted the flood insurance program again and was told that they would not issue the policy twice so any payment Ditech sent would not be accepted.

I contacted Ditech back and told them that they sent that payment after I requested that they remove the account from my escrow, that they had no right to make the payment in first place, and they even sent the wrong amount. Their response was ... tough if the payment gets returned to them then they would credit my escrow account back.

Status as of XX/XX/XXXX, my escrow account is still negative from the {$2200.00} wire and the flood insurance policy is still listed on my escrow, now updated to be paid again next year and again for the wrong amount.

Our escrow is scheduled to be recalculated in XXXX  and this issue is going to become a lot bigger if it is recalculated before our escrow account is credited back the {$2200.00} that should have never been sent out in the first place.

By Ditech putting the flood insurance policy into our escrow and paying it without our consent, they are effectively making a voluntary insurance policy and non-voluntary insurance policy.

Ditech has been no help, they just send you from on department to the next without changing anything.
In correspondence dated XXXX I sent this company my disputes for items related to identity theft. By law the company is required to expunge all information from my credit report within 3 business days for identity theft victims. This was not done and my report is still marred by this fraudulent item. XXXX XXXX # XXXX This is my final correspondence before taking legal action, I am requesting that they comply with the law and expunge these item within 3 business days. 

Attached : Copy of my initial letter to this company Copy of my id theft report
I have been repeatedly contacted on my home phone and cell phone for over two years now by Portfolio Recovery. I do not owe any monies nor do I have any debts. I do not publish my cell phone or use it for anything, only my home phone number. 

I have sent a certified letter asking for proof of a debt and to stop contacting me unless it is in writing. I have not received any communication in writing but the calls still keep coming. The calls are all robodialed with no message left. 

I have blocked calls from them on my cell phone and have had to purchase a message machine that blocks all calls on my home phone unless I allow them to come through.
Southwest Credit Systems is trying to pin a fraudulent zombie debt on my credit file ( XXXX ) for the amount of {$160.00}. I called to verify and they told me it was for a person living in Virginia a place I have never lived for a debt from 2004. I also called XXXX and they could n't understand how they came to the conclusions of amounts, debtor and " Date Opened '' they have listed because the record they pulled does not show the same information. This is a scam of a company. Fraud! Cease and desist all communications. Remove this fraudulent debt from my credit report.
I used td bank credit card, it is connect with my TD bank checking account, I realized that i dont have enough money on my td bank checking account and I put my td bnk checking account XXXX XXXX day before payment due date than they charged to me {$35.00} XXXX late payment fee not done, they charged twice XXXX, i called bank at least 5 times nobody could not help i paid already they charge me same balance two times, than they told me everything fine, everything OK after i got mail from TD BANK, they closed my checking account because i owe them XXXX ... i paid my credit card balance, they charge me twice and close my checking account because i owe them money, they broke my credit history
Recently applied and was granted a Chase Freedom Unlimited credit card. Along with the credit card, I was anticipating receiving a risk based pricing notice or an FCRA credit score disclosure exception notice- both of which were not a part of the mailing I received. Upon review of the specific terms of my credit card, it appears, contrary to what I expected, the terms offered are not materially less favorable than the most favorable material terms available to a substantial proportion of consumers so therefore a risk based pricing notice may not be required. Nevertheless, per the FCRA, credit score disclosure exception notices are still required to be provided to customers who receive the most favorable terms if the company opts to use the credit score disclosure exception notice ( XXXX ), which requires universal transmission, over the use of a risk based pricing notice, which is only required to be provided to those who receive materially less favorable terms. Upon contacting Chase regarding this, I was advised to call them- which I did today. During this call, I was advised that the credit report pulled to approve me for the Freedom Unlimited credit card contained no FICO score. Upon this call ending, I have concluded that it is highly unlikely Chase would approve an applicant without a credit score. Additionally, in the event no credit score was contained in the credit report obtained, Chase would still be required to advise me of that if they elected to use the XXXX over the XXXX. When convenient, I would like Chase to affirmatively declare that it provides risk based pricing notices rather than credit score exception notices, otherwise please forward me a copy of my credit score disclosure exception notice. Thanks!
U.S. BANK-RECOVERY APPEARED ON MY XXXX CREDIT REPORT ON XXXX/XXXX/2015, THE TELEPHONE IS FAKE AND RECEIVED CALLS FROM THIS PARTY AND ON VOICE MAIL.THIS APPEARS TO BE A FRAUDULENT ATTEMPT TO COLLECTION WITHOUT AND VALIDATION TO SUPPORT ACESSING MY CREDIT.SEE ATTACHED XXXX REPORT # XXXX, DATED XXXX/XXXX/2015.
THESE INQUIRIES BELOW ARE NOT MINES.

Inquirer Name Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX   BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I am currently in review for a loan modification and have a sale date scheduled on XXXX/XXXX/15. I had previously been approved for a loan modification but the paperwork was sent to the wrong address because my property has XXXX XXXX. Needless to say I never received the paperwork and now I have to start over. Now I am being told that because I have a foreclosure sale date on XXXX/XXXX/15 there is not enough time to complete the modification review. Please help get the sale postponed.
I have a business account with US BANK that I called to inquire on balance and limit. After hanging up with representative I started getting alerts that my credit was pulled. When I called back n one seemed to know what was going on and me to call back the next day. I soon found out that a personal credit card was opened in my name from the representative and now I have a hard inquire on my credit report that US bank said they can not remove because of their mistakes. I want this inquire removed from my file that was generated on XX/XX/18. I did not apply for new credit and I believe the representative pulled my information without my consent.
ON THREE DIFFERENT OCCASIONS AT THREE DIFFERENT BUSINESSES THIS YEAR I HAVE BEEN DENIED CHECK CASHING PRILEDGES AND EACH LOCATION HAVE REFERRED ME TO GLOBAL PAYMENTS GAMING SERVICES INC. I HAVE BEEN TRYING TO CONTACT GLOBAL PAYMENTS TO CORRECT MY ACCOUNT SINCE XX/XX/2018. ON SIX OCCASIONS I HAVE MAILED LETTERS, E-MAILS AND PHONE CALLS. 

GLOBAL HAS IGNORED MY REQUESTS AND HAS NOT RESPONDED WITH ME AT ALL.
Stated their company does not maintain a " Do Not Call '' list after I asked. Stated they have the legal authority to call a cell phone after I informed them not to contact me on that phone. Ignored the National Do Not Call registry. Refused to answer all of my questions without me first stating my name. Stated they will call again. http : //www.goldkeycreditinc.net/
Gc Services Limited Partnership is attempting to collect a debt that I do not owe to them. Ive never done business with them, and I have no idea who they are.
I have spoken with XXXX and they have informed me that they are working directly with me. I was told that this company shouldnt be contacting me anymore about this issue. The problem is I have never heard of this company before. I seen it being reported on my credit reports and thats when I was already speaking to XXXX about this situation. I want this company to stop reporting falsely to my credit reports as I do not owe them ANYTHING.
This is the 5th or 6th complaint on XXXX/Altisource for this fraudulent behavior. Can you please, please investigate. It continues and it gets worse! 
The house has been improperly and illegally foreclosed. 
Stolen payments, from Chapter XXXX, many different servicers, and in-house modifications. 

NOW THE NEW PROBLEM ; I HAVE A RELOCATION AGREEMENT THRU ALTISOURCE TO VACATE BY XXXX XXXX AND RECEIVE {$4300.00} TO AVOID EVICTION. I HAVE 4-5 E-MAILS CONFIRMING, ON SATURDAY XXXX XXXX/ALTISOURCE EMBARRASSED ME AT HOME IN FRONT OF MY NEIGHBORS WITH A CONTABLE SERVING ME AN EVICTION AND COURT DATE. 
How can this happen in America? This was a malicious act and done purposefully by the some or all of the above parties. The money ( XXXX ) is a drop in the bucket to the amount they have stolen, insulting completely. The amount stolen of the payment history and trustee report is XXXX XXXX. The amount added to modification is approximately XXXX ( un-justified and never explained ) NOW COMES COURT DATES AND XXXX TAX ISSUES. 
I will attach emails.
I went to XXXX in 1989. I started with a {$6000.00} loan. I was a single mom and could n't pay this loan. It is now $ 39,000+. I wanted to go back to school so I contacted XXXX for my transcripts. THERE 'S NO RECORD OF MY EDUCATION? NO RECORD OF MY XXXX. This school closed down many years ago. My question is why do I have this outstanding loan with no record of my education that I would even be paying for?!?!?!? 

Navient is my lender. They will get me no answers or resolutions XXXX.
I had a {$50000.00} CD with Synchrony Bank that was scheduled to mature on XX/XX/18. The bank sent me a reminder notice of the maturity on XX/XX/18, I contacted the bank via phone on XX/XX/18 to inquire about reinvestment options. I was quoted a rate of 2.45 % for a term of 14 months. This rate was also advertised on their website. I gave instructions to roll the principal into a new CD for 14 months at 2.45 % apy on the maturity date. When the maturity date came, the bank opened an account for the correct term of 14 months, but at a lower rate of 2.40 %. When I inquired about this, I was told that the rate that I had been quoted was a promotional rate that had recently ended. The bank invested my funds at the agreed upon term of maturity, but decided to lower the APY that they had quoted without making any attempt to contact me. I requested that the bank adhere to the terms that they had previously confirmed to me, and they refused. They did not deny that I had been quoted a higher rate, but would not honor that quote. I contend that the appropriate course of action would have been to either contact me and let me know of a change to the agreed upon rate, or return the funds to me. I have closed the account, and am awaiting return of my funds, and I am being harmed by the interim loss of interest.
I hold XXXX student loans with Citibank. I decided in XXXX to submit their auto-debit form. Unfortunately, the form can not be submitted online and must be mailed. Citibank has no record of receiving my request. I only realized this yesterday when XXXX notified me of a late payment on my credit file. I immediately logged into the Citibank student loan website, made the payment, and sent them a message inquiring about the issue. They responded that they had not received my request. 

In the past, Citibank used multiple methods of contacting me including sending paper statements and telephone calls when I had n't paid by the due date. It appears they have changed their practice. If they had maintained the contacting methods they used in the past and that are similar to other creditor practices, this situation would have been avoided. 

I am seeking a mortgage for my first home and this derogatory credit reporting will severely impact that process. I am seeking a resolution where at the least Citibank removes the derogatory credit reporting. To help others, they may also streamline the auto-debit process, and be much more clear about notifying consumers when they change the method of contacting them in similar situations.
I sent a certified mailing to Nationstar Mortgage company and they received it on XXXX XXXX 2016. A XXXX XXXX signed for it per the returned certified mail documentation. 
This mailing pertained to a document they were supposed to sign for my refinance process. 
I have not yet received any return document in the mail from them. 
I have been in telephone conversations with various agents of Nationstar and no one can tell me about this particular document that I need to finish the refinance process in about 2 months, when it normally takes about one month to complete! 
My main agent is XXXX XXXX at XXXX. He has tried his best to remedy this problem with the head office and he says has had no luck. 
The main issue for me is that no one has contacted me with any information ( except for XXXX ) to let me know if there is a problem with the document or anything else!! 
I 'm just not sure what else to do at this point!
I have tried to contact these two agencies to remove all disputes and verbiage as the disputes are done and I am not re disputing and I held for more than one hour. Please help
On XXXX/XXXX/2015 XXXX XXXX Sales and Rentals of XXXX XXXX XXXX XXXX WV XXXX started processing a new merchant account / credit cards through " XXXX product of First National Bank of Omaha address XXXX XXXX XXXX XXXX XXXX Member FDIC XXXX. XXXX XXXX number XXXX with a Point of contact of XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XXXX. 1. First problem no written/signed copies of your signed agreement with the Bank and us, none was provided back to us. 2. The Bank rates differ greatly from the in writing promised rates. 3. Fees different as promised. On XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I wrote the following email " Dear XXXX, I just got my bank statement and XXXX XXXX is {$800.00} more than what you quoted us. You Promised we would save {$200.00} on our fees so, that makes us {$1000.00} in the red. Please contact me as soon as possible. '' Reply on XXXX XXXX XXXX the following- " XXXX XXXX ', checking the situation out. What ever, their will be a credit on next months bill to straighten things out. Frankly, I believe it was the XXXX " SALES SUPPORT '' teams fault. I had a bad feeling about the situation when I sent the deal in. The " Sales Support '' team member did n't fully understand that we had done a price comparison program with you all and he entered the rates as if it were a new account accepting credit cards without the card holder being present. That rate is higher, but we had worked out a comparison program based on your previous statements. In my talking to XXXX regarding this it seems that the Sales Support Team Member I got who 's job it is, is to see that applications are filled pout properly took it upon himself, without consultation with me, to enter the rates as if XXXX XXXX was a new merchant with no processing experience. So he, the Sales Support Team member entered our highest rate. I was told the Sales Support Team Member was a relatively new employee and not totally familiar with systems. I am getting it straightened out and will have credits issues for this most recent months statements and last months partial statement.I 'll call you when I have more definite word. I deeply apologize for the mistake and inconvenience. XXXX XXXX " XXXX '' XXXX XXXX " XXXX was to be 2.25 % now 4 %. Has been no further contact from anyone at XXXX XXXX.
The original debt holder had 60 days to properly file this claim with my insurance. Prior to receiving services I was advised the cost outside of co-pay would be covered by my insurance. These services were only accepted because of the information provided by companies authorized personal.
TCF Bank had a check come in that overdrew my account, I spoke to TCF and I deposited cash funds the same day so that the check would be paid. Instead of paying the check TCF returned it and charged an overdraft fee of {$37.00}
I am writing again in hopes you can keep a hard-working single mother and her son in their home. I have been battling to keep afloat and a house above our heads for some very stressful, heartbreaking months. I submitted a claim to you before and yet again, Ditech is not doing what they should. 
I am a XXXX, and like I said already, single mother in a situation I am trying desperately to work out of. We got behind on our mortgage, due in large part to a predatory loan and fees that were added but never really explained to me. I was switched between one agent and another, and thought I was finally getting ahead because my file for a modification was in review. 
But when I called most recently to check in with Ditech, I found out my house is still in foreclosure! I am very clear on the fact that they can not have me in active foreclosure and in active review, which is in violation of the dual-tracking law.
I have no acknowledgement of this account. I have never received a bill an account opening letter, NOTHING!! The original company is XXXX. In which I have requested that I receive documented prove that I Myself opened this account. I am aware that proper Identification is requested at time of purchase of any cell phone service. And now Diversified Consultnts claims I owe {$560.00}
About Lending Tree that collected debts on my account and help me to fined a lender mortgage for my home loan.as a know Lending Tree was collecting debts and fine the lender mortgage to finance my loan.But now the Lending Tree was lost contact and connections regarding to my housing loan.