WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is against Bull City Financial Solutions the original creditor is XXXX XXXX XXXX XXXX I received a notice that I owed a balance of {$390.00} from Bull City Financial Solutions being that I never heard of the place I called to see what the balance was and why are they contacting me they informed me that I was admit it to XXXX XXXX Hospital XX/XX/XXXX in which they said that I had a child that was born that day who was XXXX I inform them that I was not admitted in the hospital to deliver a child in XXXX my last child was born XX/XX/XXXX I do not have a child XXXX years old and the debt is not mine so remove it from my credit they refused to remove it from my credit and they insist that I had a child that was born XX/XX/XXXX and was XXXX XXXX and XXXX XXXX Hospital I told them to do the research I am XXXX years old my youngest son was born XX/XX/XXXX I would like to add also that I received the XXXX XXXX XX/XX/XXXX there is no way that I had a baby in XXXX and I need that debt removed from my credit they refused. Not sure how they even obtain my information to even send me a bill and I need this investigated because obviously I am another victim of identity theft
I have not been able to file a complaint with them. The telephone numbers they supply are automated that try to sell you products with an endless loop of sales pitches. Here is the number Experian supplied XXXX. Call the number and see for yourself. I was unable to get a online copy of my credit report from them last year and also this year. Two years in a row.
Since XXXX 2014 we have made several request to our mortgage company that monthly payment coupons/statements be sent to us for our monthly mortgage payments because since then we have just been mailing payments since no payment coupons/statements have been forthcoming. We have been with this mortgage company for 9-10 years, never having a problem until now. We have made several attempts to remedy the matter only to be told they are coming, and always suggesting we go on-line to make payment or through their automated payment system, which charges a fee. Plus, none of these options are we interested in since we are older and prefer the old method of payment. This concerns us since it seems like they are trying to steer us to on-line payments. Can you please help us to find out what 's going on. We just want to receive paper payment coupons/statements on our account which should be our choice and as a consumer/customer we should be entitled to. Thanks for your help with this matter.
Our mortgage got behind XX/XX/XXXX because of my mother XXXX XXXX. 
I applied for a mortgage modification with our mortgage company Select Port Folio. They processed my request and on XX/XX/XXXX I received Trial Modification Retraction from Select Port Folio after I had made 2 Trial payments of the 3 payments that is required per the Trial modification I received.

I have recently resent request for mortgage modification with financials to them again.

I do want to keep my home. Please help me with this modification request.
in XX/XX/XXXXwe were doing banking at our local 5/3. An extremely aggressive loan officer approached us & asked if we were interested in equity lines. We were n't but sounded intriguing. Long story short we took out lines on several paid up properties that we owned. NO appraisals were ever done. In retrospect WORST MISTAKE OF OUR LIFE!
We have faithfully paid on these for 13 years. We are in our XXXX 's & now difficult to make these payments. We asked 5/3 for help. We worked with XXXX XXXX, Office of the President & it truly sounded as if we could get relief. We jumped through hoops & completed all of the requirements for a loan modification. Worked with XXXX XXXX, Senior Vice President -- all along he said our application was pending. We had 3 equity lines which for sure most likely were fraudulently appraised -- or not appraised at all. We have articles showing that 5/3 made bad loans between XX/XX/XXXXtoXX/XX/XXXX In return 5/3 accepted {$3.00} billion in federal money from the Troubled Asset Relief Program.
These properties will NOT go into foreclosure but it is extremely difficult to make these payments -- In return 5/3 has raised our interest rate THREE TIMES since we began the loan modification process.
We asked for either a loan principal reduction or at least reduced interest rate. THEY HAVE NOT OFFERED ANY HELP AT ALL!! Please we are hoping you can get through to 5/3.
A supposed creditor that is outside of America, and with no operations in America is reporting a supposed debt on my Experian credit report. Not only is this " creditor '' outside of American jurisdiction, i believe they no longer exist. I have tried to contact this " Bank '' that is located in the country, XXXX, but i am not able to get a hold of anyone. I believe this negative mark in my credit report is an error and have tried multiple times to work with Experain to no avail. " creditor '' info : Account number in Expreain is : XXXX. Original Creditor : XXXX XXXX
I tried to resolve the issue with XXXX XXXX but they informed that they no longer have the account. I requested for it to be removed since they no longer have the account. I was told that it was given to a lawyer so i will like it to be removed because im resolving it with the lawyer who now has the case.
Never was given an alternative to repay my loans in the beginning. Was forced to max out my forebearance. My loan amounts went from XXXX to over XXXX.
I allowed a relative to use a XXXX XXXX credit card which was referred to United Recovery Systems for collection after it became past due. Arrangements for payment were made by my brother with XXXX XXXX to pay the $ XXXX balance. He has followed through with the arrangements made and is actually ahead of schedule on the payment plan but she continues to call me requesting that he pay more. Since he is current on the payment plan, I do n't feel that it is necessary for her to continue calling me at least XXXX a week.
Experian is reporting the wrong address on my credit report. I spoke with Experian 's rep on XX/XX/2017 and they indicated that I would need to send them a Utility Bill, Social Security Card, and a Drivers License in order for them to update my address. However, I do not provide that kind of information to public corporations such as theirs. I also explained this to them when I uploaded my dispute documents with the correct address on there.
I purchased an electric shaver from XXXX on XXXX XXXX, 2014 for {$63.00}. It was lost in shipping and I never received it. I contacted XXXX on XXXX XXXX, 2014. They agreed the item was lost in shipping and shipped a XXXX shaver. They also granted me at {$7.00} credit for my inconvenience. 

I received the XXXX shipment, but never the XXXX. My spouse did n't like the shaver so I returned it. Despite at least XXXX phone calls to EACH XXXX and Barclays, they keep recharging me for this item. I have NOTHING. I returned the XXXX item I received. I am out {$77.00}. I can not keep calling. 

This MUST XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT - XXXX XXXX REBILL-XXXX XXXX REBILL-XXXX XXXX XXXX XXXX REBILL-XXXX XXXX, I do n't even want a refund. I want NO MORE XXXX charges to appear on my account -- ever. I want them blocked. They are being vindictive. Please help me.
My Name : XXXX XXXX Bank this complaint is againsgt : XXXX & XXXX ( Branch Banking & Trust Company ) Account Info : ( Bank : XXXX ; Branch XXXX ; Customer : XXXX ; Loan : XXXX ) Property/My Address : XXXX XXXX XXXX, XXXX, VA XXXX ) I paid off a 2nd loan ( HELOC ) on my home in 2011 to BB & T ( Branch Banking & Trust Company ). To this day they have n't release the lien on it. I am attaching a letter of satisfaction of the loan upon payment, sent to me by a law firm representing BB & T for your reference. 

I am not being abler to refinance my mortgage to lower my debt as a result of this undue lien on my property. 

I would really appreciate your help and effort in this regard.
This is coming from a phone number XXXX. She stated in a phone call that i had committed fraud and refuse to give me a copy of the debt. I told her i want to speak to a supervisor and she put my on hold and it was her again but saying a new name. She said i was also being investigated for other matters and that i told her she is not aloud to call my employer or call my number anymore and she said she can call anytime she wanted to.
I recieved a notice from a collection agency that I owed {$12000.00} for breaking my lease with an apartment complex. I am XXXX XXXX XXXX and have not lived in an apartment for 40 years. The collection agency sent me a copy of my name and address and signature. While the address was correct the signature did not come close to matching mine. I sent them a number of papers with my notarized signature on it telling them it was not my signature. They sent me a letter requesting a copy of my drivers license and social security card which I felt was not appropriate. They then sent a letter denying my claim and posted this debt on my credit rating with various agencies. I have 45 years of a blemish free credit that has now been damaged by a company that has no idea what they are doing. The company name is Hunter Warfield, XXXX, Florida.
In XXXX were solicited by XXXX Representative to refinance our home. Loan closed XXXX. 
1. XXXX or XXXX XXXX sold my loan to XXXX XXXX 2. Applied for modification XXXX Received approval XXXX was instructed to wait for papers. 
3. XXXX XXXX XXXX filed Lis Pendens/Forclosure 4. XXXX We offered XXXX to bring loan up to date with a large lump sum payment. BA refused to accept OR reject offer. Refused to make a decision at the Corporate President office level. BA did not want a resolution, XXXX wanted our house. 
5. Spouse did not sign loan docs as required by FL homestead law. Entered motion to dismiss mortgage and foreclosure based upon FL law, still pending. 
6. XXXX XXXX sold their interest to BayView Loan Services that removed XXXX from pending lawsuit/forclosure proceedings and our motions against XXXX. 
7. XXXX to XXXX At not time has XXXX acted in good faith toward any form of equitable resolution. By way of example, see # 4 and # 5 above. 
8. XXXX XXXX sold their position to BayView Loan Serviced in XXXX. BV started by grossly overstating our loan balance. 
9. XXXX In XXXX place ( but not entirely we hope ) comes the new and continuing battle with BayView ... ... ... ... to be agressively investigated by CFPB we pray. 
With your help WE WILL NOT GIVE UP.
they call me at work text me call all my refrences even when im less then 30 days behind they call before XXXX and constantly like 4 times when i do not anwser
On XX/XX/2018 I received an email from Huntington Bank stating that I needed to verify my recent transactions. I have two XXXX. My book-bag was left in my locker at XXXX, which consisted of my phone case. I was away at the XXXX XXXX ( XXXX ) and not even in Michigan nor XXXX. I replied NO to a text message so that my card could be locked and I called in the next day. I disputed around {$7000.00} in unauthorized charges to be told that the Merchants said my transactions were authorized. Some transactions were out of State ( not country ) and some were in state. Some transactions were through the ATM. I did not authorize any of these transactions nor have my card or ssn. I was sent out a new card, which now I carry in my sock so I know for sure no one will have access to it. Under Regulation E if this problem is not corrected within 15 days I will be filing a lawsuit. This is unlawful and no way to treat a direct deposit customer that has never had any issues with overdrafts and always a positive balance.
I had applied for a balance transfer to lower my interest rates. I transferred my XXXX  XXXX credit card to my XXXX credit card. XXXX says that the transfer went through and the balance transferred on XX/XX/18. Yet, my XXXX  XXXX balance never shows a transactions so I was stuck paying two balances on both cards. XXXX hasn't been helpful in telling me what is going on and who actually cashed the check. They keep opening claims but I get nowhere and have been accruing late fees.
Collector Name : Broward Adjustment Services Balance Date : XXXX XXXX, XXXX Original Amount Owned : {$230.00} Account Number : XXXX Originated from Medical billing from Dermatologist at the University XXXX XXXX XXXX XXXX XXXX the agreed to amount, event though doctor added procedures not performed. 
After insurance paid, they sent additional bill, I called the medical department but they refused to even listen. I told them that I will not be responsible for procedures entered by error. They would not listen, then they sold the collection to Broward Adjustment Services. When they contacted me I told them about the issue, even agreed on partial payment so they would not put on my credit report. But they said either the full amount or nothing. This is medical fraud, overcharging and listing false procedures then selling it to a collection company. These practices by certain doctors taking advantage of their position and the system had to stop.
all XXXX bureaus failed to correct XXXX Mortgage reporting inaccurate and incorrect information about current payment status
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA,  that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
I am being harassed by robocalls from Central Credit Services LLC. I receive robocalls to my cell phone and now at my workplace landline number- at any hour of the day including Sundays. I asked this company to stop calling my workplace phone number in 2014- the representative has not honored that request, and the harassment continues.
When I attempted to get my FCRA-mandated free annual credit report from Experian, there was no way for me to save a permanent copy. I could see the report only for the few minutes it remained open in my browser. 

On Tuesday, 2019XXXX, I attempted to get my annual free credit report from Experian.com. Starting from XXXX, I was able to open the report in my browser ( XXXX XXXX  ). 

But when I attempted to print the report for my records, I found it was in an extremely condensed format. Only summary data printed. 

By clicking a large number of pale, hard-to-spot icons, I was able to open detail sections of the report. But the details were displayed using colored icons that disappeared when I attempted to print them. Only blank white space appeared. 

Nowhere on the page could I find a link for a printable or downloadable version of the report. I tried several ways of saving the web page itself, but none of them preserved the report data. 

While I was attempting to find a way to successfully save or print the data, my browser reported, " For security reasons, your session has expired. '' The report vanished from my screen. 

In summary, Experian provided me a report that could not be printed or saved, that I could only view for a short time before it was erased from my browser. Such behavior might satisfy the letter of the FCRA, but can hardly satisfy its spirit. 

I've not had such problems in the past with XXXX or XXXX reports. This is the first time I've requested an Experian report.
Through the HSBC Bankruptcy Department I have been making mortgage payments since XXXX. I received a letter dated XXXX XXXX, XXXX from HSBC that the Life Insurance coverage for my mortgage has been terminated due to Past Due Insurance premium remittance. The optional life insurance premium is a part of my mortgage payment that I make monthly so how is this premium past due? I have been contacting them since XXXX XXXX to get some sort of resolve through the HFC Research department. They have sent to me useless and outdated information in the form of a history of my account, and in no way addressed this matter. I have no other recourse but to involve this agency to assist me in resolving this matter.
I went on XXXX XXXX and started purchasing airline seats. A pop-up on XXXX XXXX website offered me an XXXX XXXX XXXX XXXX XXXX XXXX credit card with XXXX miles and a {$50.00} credit on my next bill if I would apply to the card and use it to but the tickets, with the condition I spend over {$3000.00} on the card within the next three months. I have spent over 4k in less than two months so I called Citibank and asked how long it normally takes before I received my miles. I was told by the Citibank rep that I had a previous XXXX card 1 year and 51 weeks ago and that I was disqualified because It had n't been more than 2 years. I 'm very upset that I was solicited online and approved immediately for the card without the two year term being mentioned. If I had known, I would n't have applied for the card and used one of my cash-back credit cards. I feel this is a very deceptive practice especially since I was solicited with this offering on XXXX XXXX prior to purchasing seats.
In a discussion last week with my Landlord & why they were cashing my " Bill Pay checks '' so late. Wells Fargo gets directed to pay all of my chosen creditors on the XXXX of each month as my XXXX gets deposited. Some are electronic and others are by paper check. The paper checks are rarely ( if ever ) delivered before the XXXX, this month ( XXXX was an exception ) showed in the XXXX. I did further checking and just about all of the other paper checks are cashed between the XXXX & end of month. This has convinced me that Wells Fargo cuts the checks & debits my account on the XXXX as requested but places the checks in a mail-room for a week so they can utilize customers funds longer. When they mail the checks, there is no postage meter stamp or postmark given to verify when the checks are sent. If they are doing this to all their Bill Pay customers, they are making an extra week or so profit off of the money not sent as requested! How many people are/were as oblivious to this game as I am?
Original debt was with XXXX. It was charged off my credit and purchased by XXXX XXXX. I then received demand letters from Mitchell , Rubenstein & Associates demanding payment.. I disputed again and never received anything from them either. A judgement was placed against me due to a summons being served at a home I had n't rented in over 2 years! I wrote Mitchell, Rubenstein & Associates on XXXX XXXX and asked them to reverse the Judgement and now just over 1 month later my bank account has been frozen without ANY correspondence from them. They have very POOR and unfair practices, especially over a {$700.00} debt that supposedly occurred in 2012.
I sent a validation letter to Merchants Adjustment Service on XX/XX/2018 and they did not verify the debt. Merchant Adjustment Service sent me the letter as verification of debt, which is not valid.
I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS LIEN which are not mine. I have sent numerous letters and made numerous phone calls to no avail.

Here are the following dates in which these two items have been addressed : XXXX XXXX XXXX
On XXXX XXXX 2017 I wire transferred {$12000.00} from my XXXX XXXX XXXX bank acct to coinbase inc. I have an account with them to buy/sell cryptocurrencies. they rejected my wire because of " account name mismatch, and your funds have been returned to your bank ''. .I have yet to receive any funds from them. this is going on 3 weeks later
CREDITOR-REPUBLIC FINANCE CONTINUES TO CALL MY PLACE OF WORK AFTER I HAVE INFORMED THEM THAT PERSONAL CALL ARE FORBIDDEN AT MY WORKPLACE.
I had a car through   XXXX   XXXX   and Paid it off completely. But when I look at my credit report it is showing a balance of  XXXX  with   XXXX   and Equifax. Also, it is showing twice on my credit report when it should only show once. I would like for my credit report to reflect the proper accurate information. Please have this account only showing once on my credit report and also showing a   XXXX   balance as well.
I have disputed this debt over and over again. It is not my debt. The debt is a result of ID theft. I have already filed a report on this with the ftc. I am continuing to be affected by this debt through my credit report and it has caused me a huge financial hardship. This debt needs to be validated with my signature and a proper verification.
Please disregard attached file named doc XXXX and submitted as part of case number XXXX and replace with this recent submission. I am disputing the results of Wells Fargo 's investigation.
I needed to pay off my XXXX credit card placed at Midland as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement Midland ands I agreed upon, however Midland still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. Midland used deceptive, misleading and false statements to get me to pay off the debt.
Over the course of 21 years being a single mother, working full time in a XXXX XXXX XXXX in a XXXX XXXX XXXX XXXX my loans have doubled if not tripled I can not get help when I ask about the loans, or was I never told of programs to help me get anything erased, I am still in debt 21 years later and see nothing taken off the amounts just added on, they did enroll me in a repayment plan that is low but where was the help during the 21 years of having these loans.

Poor customer service, rudeness, surprise fees, bad information, call after call about my loans causing me to end up crying over the phone to them. Switching who has my loans repeatedly. Finally I just resolved the issue and stress by letting them ruin my credit for life and tack on so many fees I can not even tell where I am at or who has my loans anymore.
I did have a XXXX account ( XXXX? ) but when the store closed in our area XX/XX/XXXX, I paid off my account and closed it. I JUST got a letter from Midland Credit Management XXXX XXXX XXXX XXXX saying that this account was " charged off as an unpaid delinquent debt on XXXX '' but Midland wants me to pay them {$370.00}! I do not owe this money and asked the credit agencies XXXX to remove this from my credit reports.
The XXXX XXXX  account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.
Every month it is a drama to login to my chase credit card accounts and view my statements. I question both their software programming and ethics. I also question their understanding of basic finance and banking.