WillisBack/dataset-financial-user-claim huggingface dataset:
I began receiving multiple phone calls on my cell phone from a masked phone number on XX/XX/2018. When I finally answered one of the calls, the individual speaking said she was a representative of Phoenix Financial. She asked my name, which I confirmed, but when I asked what business she was calling in reference to, she hung up on me. On the same date, I called the number back from my work line and spoke with someone who was very unprofessional. He didn't provide any information regarding a debt because he stated he didn't recognize the number I was calling from. When I asked if his business practices involved calling from masked numbers and hanging up on people, he replied " Absolutely. '' I was taken aback by this response and before I could ask that he not call again, he hung up on me. Since XX/XX/18 I have received numerous phone calls on a daily basis from masked numbers that I refuse to answer. I received two letters from Phoenix Financial, dated XX/XX/2018, referencing alleged medical debt. The amount of {$1700.00} with the original creditor XXXX XXXX XXXX is disputed, as my insurance company has covered a large portion of this debt. The second alleged debt is completely disputed. Due to Phoenix Financial 's extremely poor reputation, I immediately contacted them in writing to ask for proof of ownership of either debt which they have not responded to. Today, I checked my credit report and for the first time both debts have been listed by Phoenix Financial Services. I am disputing this debt through XXXX and am making a formal complaint against Phoenix Financial Services for their failure to disclose proof of debt, harassing phone calls where they provide no information and simply hang up without stating the purpose for the call, and for listing two disputed debts on my credit report without substantiation.
Concerning my note/ mortgage loan with Wells Fargo Home Mortgage , Upon careful examination of my loan documents I 've found many and various violations of the documents and regulations relating to the loan, and loan application as well as the commission of appraisal fraud. I would appreciate your help in this matter.
The company responded that they will not respond to this complaint because they feel I am not the consumer - Complaint ( XXXX ) The company was unable to respond to the complaint without authorization from the consumer. At this point, no further action will be taken on this complaint. The consumer can submit a complaint on his or her own behalf or authorize someone to submit a complaint on their behalf.. 

I am the consumer submitting this on my own behalf and not the behalf of a credit repair company. I have reached out to TU via phone and written letter with proof and they have still not responded or deleted the incorrect information on my report. 
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified. 

Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. All in all, they have ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' This law is as clear to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately :
XXXX is trying to collect over {$1500.00} in debt when in fact I only owed them $ XXXX. I want this account removed from ALL my credit reports. XXXX. 

I have proof to show for it. 

Kindest regards, XXXX
The acc ount with PNC is completely inaccurate. I do not owe PNC bank this monetary charge off amount.
WELLS FARGO DEALER SERVICES FAILED TO REMOVE XXXX HARD INQUIRIES FROM MY XXXX CREDIT REPORTS.
I received a phone call about a week ago and regards to a medical collection from choice recovery and I asked them to send me documentation so that I may dispute. I received a documentation today but on the outside of the envelope it says choice recovery which obviously makes it sound like it is from a collection agency. This has been sitting in my mailbox for a day or two and my neighbor happen to see it and questioned if I was getting a collection notice since it said choice recovery. I was humiliated and I was embarrassed And Im wondering how many other people actually saw that I was getting a collection notice. I want to choice recovery to know that I will be contacting a lawyer if I do not hear back from them within 60 days. I feel this is a violation of the FDCPA and should be awarded {$5000.00} in damages.
On XX/XX/2018 I requested my free TransUnion credit report via online and by mail which I have not received. On XX/XX/2018 I made a second request for my free credit report via mail from TransUnion which I have not received. On both occasions I provided the required proof of identity and residence.
After an IRA CD matured, Citizens Bank associates, advised my XXXX year old grandmother to deposit the money into her checking account instead of opening a money market IRA account. This caused her over {$4000.00} in taxes, about 1/4 of the worth of the CD. When I called to speak to the manager he was unapologetic and lied saying he personally helped her, when in fact, a female by the name of XXXX helped her. I 'd like Citizens Bank to pay my grandmother the taxes she had to pay, she does not have many assets and this tax bill was an extremely large payment for her to make. I understand that the bank can not give specific tax advice, but they can and should advise clients to seek the advice of a CPA or Accountant before making a transaction such as this one.
I had a problem with mistakes made on my escrow assessment for next year. After finding all the mistakes I contacted my mortgage company.in XXXX of XXXX.After talking to three different agents I was finallly able to resovlve the mistakes. 

I was told by the last agent that the corrections would be reflected on my XX/XX/2018 statement. The corrections were made but they didn't make the adjustment on my monthly payment. 

Most recently I talked to an agent on XXXX to inquire about not receiving my monthly statement. She informed me they would be in the mail by end of the week.I told her that was not sufficent time to make my payment which due XXXX XXXX. All she could say was she was sorry. I ask to talk to her supervisor. She informed me he would have to call me back in an hour. I neverreceived a cal until five hours later. 

After explaning everything to the supervisor he said he had to get with the escrow people and would call me back XXXX XXXX. After waiting all day I did not receieve a retyrn call On Monday XXXX I calledmy mortgage company again. After waiting for a half hour I finally was connected with an agent. After asking him why the supervisor didn't call me he informed me they were very busy. I asked to talk to his supervisor and he said there wasn't one on duty. 

I asked the same agent if they were going to extend my grace period because I hadn't receieved my statement yet. He informed me I did receieve oline. I told him I did not sign up for paperless billing. He once again told me I did receieve my staement online. I once again told him it was not proper because I didn't sign up for paperless billing. 

Eventually the agent hung up on me. I have not received a return call from the supervisor and still haven't received my monthly statement
I am a credit card holder of the retail department store Macy 's. For more than four years I have held the " Macy 's Star Rewards '' credit card. I have an excellent payment record and credit limit of {$10000.00} with this particular card. The Macy 's card program seems to be managed by Department Stores National Bank. 
While shopping on Sunday, XX/XX/2016 at the Macy 's XXXX Mall location in Pennsylvania I was offered a XXXX percent discount if I " upgraded '' my current Macy 's account to a Macy 's American Express account. I accepted the offer as it was explained to me and completed my purchases. I received the new American Express Macy 's card in the mail and even discarded my old card under the impression that the American Express Macy 's card is my new card. I made additional purchases with this American Express card, again believing this was my one and only Macy 's account. After receiving XXXX Macy 's credit card statements within the past month with different due dates I contacted customer service and it is brought to my attention that this is not one Macy 's account, but XXXX separate accounts that I now have with Macy 's! I asked the customer service representative, assuming they are also a fiscally responsible individual, why would I ever open a second Macy 's credit account with a 25 percent interest rate and no balance or transfer offers, when I currently have an account with Macy 's with more than a sufficient amount of available credit?! I believe I was absolutely taken advantage of by what I experienced by the sales representative in-store having access to my financial information and very easily setting up a XXXX account with misrepresentation and miscommunication of a promotion. This practice was fraudulent, unethical, and takes advantage of creditworthy and financially responsible individuals.
I received a letter from Citi on XX/XX/XXXX, asking for additional information to update Citi 's records. I called the contact number XXXX the next day. They asked me some personal information and I gave them all the information that day. Then on XX/XX/XXXX I received the same letter and because I had given the info earlier I did not respond to the second letter, I thought that they had the info from my phone conversation. Then on XX/XX/XXXX they blocked my checking account. I went into the local Citibank and spoke with XXXX XXXX who was an account manager. I then told her that my account was blocked and she called the office that handled the problem. She asked them why they blocked the account and she was told that I had to give them additional info so that they might undo the block. She asked me a lot of questions about my past job and who I worked for and when I retired and how much money I earned then, and other items for their records. She filled out the paper work and sent it to them on her computer, so they got it instantly. XXXX told me that it would be 4 to 5 day 's before they could unblock my account after they review my info. About a week later I called her and she then told me that they needed additional info about my wife and her jobs and pay. I gave them the info and they again told me that it would take four or five days to review the info. Then on XX/XX/XXXX I called again and they asked me for more info, I sent in the new info on e-mail. I then called on the XXXX and they told me they did not receive the e-mail. I then wrote another E-mail with the new Info on it and sent it in with the E-mail from the day before that they said they did not receive it. I called again a few day 's later and the girl said that the person reviewing the information was working on it and it should be another 72 hours. I don't know how this information could be so important as to put a hold on a persons checking account I have been a customer of Citibank the day after we got married XX/XX/XXXX. I have not done anything wrong and they are treating me like a criminal. My name is XXXX XXXX, I live at XXXX XXXXXXXX XXXX in XXXX XXXX, Fl. XXXX. Please help me I am XXXX years young and should not be treated this way. Reference # XXXX.
Alliance One sent a communication ( 15 USC 1692 a 2 ) to this consumer, XXXX XXXX XXXX, dated XXXX XXXX 2017. The communication clearly reads that this is from a debt collector ( 15 USC 1692a 6 ). XXXX XXXX is a consumer as defined in 15 USC 1692a 3. The communication indicates an account below the consumer 's name. Within consumer law an account, as defined in 15 USC 1693a 2, is an asset account involving personal, family, and household ( which means consumer account ). A financial institution is defined in 15 USC 1693a 9 as any person that directly or indirectly holds an account belonging to a consumer. Several violations have occurred as described in the FDCPA : 15 USC 1692 b 2 - shall not state such consumer owe 's a debt ; 15 USC 1692 c - contact without prior consent ; 15 USC 1692 e 10 - false representation or deceptive means ; Due to these fraudulent means to collect an alleged debt, this consumer is claiming actual damages in the amount of {$100000.00} USD pursuant to 15 USC 1692k a 1.Research indicates that this entity- Alliance One - shows an annual revenue of {$20.00} to {$50.00} million dollars. XXXX, consumer, creditor, expects payment in 5 days.
I 've put various complaints in with  XXXX  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    utility bills, gambling sites, and IRS. Also included was IRS and Mail  Fraud.  This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was  XXXX . I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Cu stomer Advocate Team in  which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to  XXXX  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a  XXXX  against  XXXX   XXXX  and I am prepared to work with  XXXX  to sign anything needed to clear me from this fraud. Please let me know
I was approved for a new XXXX card issued by a major bank. I immediately set up the account for automated payment, which was approved and confirmed by the bank XXXX ) days in advance of my first payment due date. Two days after the first payment due date my credit card was rejected by a merchant. I called the bank who said I must pay the first bill manually. I, of course, point to the automated payment being set up far in advance. They say " we sent you a message via e-mail -- you must pay the first bill manually ''. I never received such an e-mail, and regardless, I had the autopay confirmed. The bank then charged me a {$25.00} dollar late fee and interest *even though* I then immediately paid the balance in full *using the automated payment method already approved*. In my opinion, this practice is a scam perpetrated on pro-active card holders deliberately to generate fees with no other possible financial or risk mitigating legitimate purpose. The Bank was perfectly capable of using the autopay against my first bill but clearly wanted the additional charges and interest through this sleight-of-hand misdirection.
XXXX contacted me XX/XX/XXXX for a debt to CitiBank. I made payment arrangements to pay off the balance from XX/XX/XXXX to XX/XX/XXXX ... completed the payments and paid off the balance. XX/XX/XXXX received a call stating that I still had a balance, basically equaling 1 monthly payment. Asked for verification and received a letter with all payments made, totaling more than the original balance and a list of Fees and Interest charges from XX/XX/XXXX ( some that were charged after I started the payment plan ). They refused to give me any clarification on what those fees were for, or which ones were interest charges. When I asked for further explanation and documentation they said they were going to close the account as being disputed and hung up.
I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX XXXX NA Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
I filed a dispute with Trans Union and XXXX /XXXX/2017, not one of the companies I filed a dispute with responded with validation within the 30 day time frame. Instead they respondent with an acknowledgement that the received the dispute. When i contacted TransUnion I was told that the companies just have to acknowledge your dispute and in-which is all they needed to do in order to keep the debt on my credit.  That is not an investigation. Validation with an address and social security number can be obtained by anyone that can request your credit report. Copies of copies are not a form of Validation, and by Law are not considered proof. I was later (after 30 days) presented with unsigned contract and an itemized statement as of evidence of validation from XXXX XXXX, and I received only an acknowledge of correspondence of my dispute from XXXX XXXX I later received a copy of a copied contract from XXXX XXXX that nowhere indicated I had a contract with XXXX XXXX but another company and with an unidentified signature of another person. The process from these companies that are able to keep non- validated information on your account is breaking the law, and the credit bureaus are not investigating anything and are ignoring my request for the information that was provided from the reporting agencies to be provided to me. By law I can request the information from the credit bureaus to see what is provided to them from these companies to keep this debt on my credit, and I did this with an affidavit, that must be honored by law. Again, if you are going to keep items on my credit that has damaged my life and continue to damage my life, I need to see the proof of this debt because these reporting agencies are not providing validating information and some NEVER even responded at all to me (the consumer). I sent the proof of me sending affidavits to every company on my credit report and I also sent Trans Union an affidavit as well, and still no response from my affidavit request. Summary: These companies/reporting agencies failed to provide me with a copy of any original documentation for example, a consumer contract with my wet-ink signature on as required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) of the Fair Credit Reporting Act.Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of the debt including the following:Original Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents (including any and all application and usage/activity signatures) and documents relating to any assignment of such account to and/or from any third parties.Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report..
I was affected in the Equifax hack according to their website on XXXX/XXXX/2017. They failed to inform the public after they found out they were hacked and they refuse to contact people, forcing them to use their service to see if their very personal information ( social security numbers, addresses, birthdates and even numbers of some drivers licenses ) had been stolen.
This is unacceptable for a company and some of their execs sold stock before finally reveiling they were hacked.This must be investigated and actions have to be taken to protect the 143 million innocent people that had their personal data stolen.
I have XXXX debt from this agency on my credit from them this is n't mine from 2015
I submitted a dispute on XXXX/XXXX/XXXX and I have n't seen any movement Case number : XXXX Submitted XXXX/XXXX/XXXX Company responded XXXX/XXXX/XXXX Customer XXXX XXXX via Web XXXX/XXXX/XXXX XXXX The statement SLS made that " On XXXX XXXX, XXXX a phone call was placed and a message left for you by SLS, advising you that you needed to pay the difference of the payments from KYHC and the funds due, or the funds would be returned to the state '' is false. You and I both know the Fair Debt Collection Practices Act which prohibits any detailed information as such to be left on an answering machine. It was n't until my daughter called XX/XX/XXXX was when these funds were located, I than called that day or the day after to make the necessary payment and was denied. Where are these funds? As mentioned before Keep Your Home California has no trace of these funds. Please review all mine and my daughters recorded conversations with SLS and you will find that your company was trying to locate these funds for months. XX/XX/XXXX. I sent a written letter questioning my balance and asking where the remainder of the funds are. Your investigation in this matter is lackluster and does n't address either issue of the payment of the for XX/XX/XXXX or the missing funds and gives no direction, and did not include any steps your company has taken to find these funds or any solutions.
There was some fraud that occurred on my Best Buy Credit card. The fraud was reported and the company indicated that I did not owe the charges and they sent me another letter saying that I would not be responsible for the charges and they would correct the errors on my credit report. I 'm again receiving late fees and charges from Best Buy AFTER they said I was n't responsible and they are continuing to bill me " late fees '' and other charges for the account for which they said I previously owed nothing. They had a collector call me and I on recording told the collection agency the letter of what was sent and they removed the bill from their system.
I am trying to sell my house and Ocwen is not getting me a payoff for my loan. They continue to tell me I will have it in 24 hours. It has been days and I still do n't have it. I think this may be a tactic to charge a late fee. Also they sent a letter informing me my mortgage payment was increasing over 10 %. The letter said the reason for the increase was coming in a separate letter. That was over 45 days ago, I still have not received an explanation.