WillisBack/dataset-financial-user-claim huggingface dataset:
I have a company called XXXX XXXX XXXX from Floridaphone number XXXX threatening me with filing a felony check fraud charge against me. I had a XXXX and missed a lot of work and I requested to set up payment arrangements. The caller, named XXXX was very rude to me and told me that I had no business in a car lot buying a car that I could not pay the down payment. My XXXX obviously was not planned and they have been very rude to me. I asked to speak to another person than her because she was being so rude to me that she had me in tears, I spoke to another woman who I agreed to pay half of the amount owed this paycheck and the other half in one month, because they scared me with threatening me with fraud charges. I felt like my rights were being violated because I know you can not threaten charges against someone and then she began to recite the law in Texas for checks, this is a check guarantee company and I 've asked for an address for the company which they will not give me so I can send them a letter stating I do not want to be harassed anymore.
Having issued with the  XXXX  credit bureau 's. Equifax place a Fraud Alert on my credit account. I contacted Equifax via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted   XXXX   and  XXXX , was it would be removed by the end of the business day. Around the beginning of  XXXX  I contacted Equifax again requesting the removal, I was giving a case number of  XXXX  and a conformation number of   XXXX   stated from them that the Fraud removal was done. I contacted the other   XXXX    agencies requesting the same, I was told by  XXXX  agencies that they could not remove the alert until Equifax remove it. Contacted Equifax again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no.  XXXX . also mailed in a request on  XXXX   XXXX . as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from  XXXX  and  XXXX  stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told Equifax and a third party requested  XXXX / XXXX /17 and  XXXX / XXXX /17
This is an ongoing complaint. You should be able to select more than XXXX issue. Yesterday, Select Portfolio Servicing ( herein ; SPS ) sent a Realtor XXXX XXXX from XXXX XXXX ( no address on letter, only a ph # XXXX & a Fax XXXX ) to put a letter on my residence of owner Occupied. To ask about moving out and receiving cash to avoid eviction. My matter is still in litigation. SPS still continues to make attempts to " scare me '' I am XXXX, my spouse abandoned me. I have been fighting this by myself. I am not on a " NOTE '' that had been lost, destroyed or stolen, that was never produced until the very last minute, with XXXX signature, ( ill gotten ) and XXXX endorsement, without recourse. SPS has never had a recorded chain of assignment only a fraudulent assignment by XXXX exists in the recorder office by a Robo Signer named XXXX XXXX. To which is what SPS came with. If they had at the time, why did they not bring it. They did not HAVE the authority to come to court or act on behalf of anyone. I have sent several XXXX and XXXX to SPS, and the recent Realtor. SPS has comitted fraud, along with XXXX Bank. I ask they Cease and Desist from further attempts to seize my home or have me evicted as THREATENED. my case is still in Litigation. THEY ALSO CONTINUE TO ASK FOR A PAYMENT THAT WAS PAID. I HAVE SUPPORTING DOCUMENTATIONS TO SUPPORT THIS FACT. THEY ALSO CAN NOT PROVIDE XXXX YRS OF ACCOUNT ACTIVITY. Thank you.
The final quarter that I attended XXXX University was XX/XX/XXXX - XX/XX/XXXX. I officially withdrew from the university on XX/XX/XXXX and transferred to XXXX effective XX/XX/XXXX for a XX/XX/XXXX start date ( see attached ). While attending XXXX all of my tuition was paid directly to the institution from XXXX. Although I was no longer enrolled at XXXX for the XX/XX/XXXX session I received a bill for {$6700.00}. I notified them on XX/XX/XXXX that I had withdrawn and was attending another college and was told they would research my account and get back to me. After receiving no correspondence for over 6 months, on XX/XX/XXXX I received another bill for {$6700.00} for XX/XX/XXXX and I responded to them in writing ( see attached ). On XX/XX/XXXX I received and email " demand for payment '' ( see attached ). I then decided to contact XXXX and they confirmed that XXXX had received direct payments from them to cover my tuition while I was in attendance. I continued to try and resolve this issue to no avail and received several notices from XXXX XXXX XXXX stating that my account had been turn over to them and I owed XXXX {$8400.00} for the unpaid tuition for XX/XX/XXXX which was a completely different amount than the bills I received from XXXX for {$6700.00}. I am disputing this because I transferred to XXXX in XXXX and was not enrolled during the XX/XX/XXXX that I am being charged for, and according to XXXX, all of my tuition was paid directly to the institution while I was enrolled.
A company claiming to be XXXX XXXX XXXX, contacted me. Very threatening when I called them back. This debt has been charged off.please see transcript of voicemail they left below ______ hi this is XXXX XXXX calling with the XXXX XXXX some of the vision inspector ______ trying to get in contact ___ _______ _____ XXXX XXXX XXXX proximity to XX/XX/XXXX XXXX years of age __ it's _______ calling to inform you that we received a ____ of action or today from the county clerk liaison 's office concerning a repeat of my compliance on the _____ as well as to from complaints being filed to get your name XXXX security number ending in XXXX at this time due to the XXXX XXXX not __________ they are asking that _____ documents __ be served ________ to your residence or placement appointment to have you sign for court appearance I just wanted to verify some information with you about ___ record before coming out but unfortunately I'm available um we will be making our way out shortly to a XXXX XXXX XXXX if you're not available we will have no choice but to try __ XXXX XXXX XXXX XXXX XXXX __ a place of employment if you're at your place appointment you possibly need _ witness from her supervisor or somebody from HR department in order to sign for your legal documents um if you have any questions or concerns you may contact ______ __ __________ at XXXX again that's XXXX when calling please refer to case number US as _ like United States XXXX XXXX XXXX XXXX call has been recorded document __ the show proof that ___ find a little _____ __ ___ leave _ notify today 's date XX/XX/XXXX XXXX you _____ XXXX XXXX XXXX _____ the XXXX
Mortgage company to shell point mortgage in the last two months they raised our payment which is a XXXX fixed. From XXXX to XXXX. All they do is is call and want my payment and canr tell me what this amazing outrageous new payment of XXXX is for all they tell me is escrow with no explanation. There are other issues it is a mess please help XXXX XXXX XXXX
I purchased a whirlpool cooktop from XXXX XXXX on line and all the parts were not in the box. I called the store that I received the cooktop from and the manager named XXXX told me that it was nothing he could do because I ordered it online. But when I called the XXXX XXXX  toll free number I kept getting put on hold. I spent three hours and made ten different calls to XXXX XXXX to resolve my problem. I never got anyone on the phone that knew what to do. I had to call XXXX to get the parts I needed and pay XXXX for the parts that where not in the box. Also the cook top has a damaged spot on it. As of today no one from XXXX XXXX  have return my call but XXXX at the dispute department at bank of American tells me there is nothing they can do I should take a loss or keep trying to reach XXXX XXXX. Every time I file a dispute with bank of America they always try to get me to drop my dispute. I may charge at least TEN times each month.
Equifax is n't reporting the XXXX XXXX auto as being included in our Bankruptcy and XXXX is showing lates in XXXX in error. XXXX XXXX is reporting correctly with no lates in XXXX or after as the Bankruptcy was started in XXXX ( and discharged in XXXX ) and all of my wife 's and my debts were charged off and included in the Bankruptcy in XXXX. I demand that Equifax shows this account was included in our BK and that XXXX removes the lates from XXXX that are in error.
Cardholder purchased item that was defective using Citibank USA credit card while abroad in XXXX. Merchant refused return of item despite merchant 's documented policy allowing such a return. Citibank USA requested documents from cardholder to verify, and was irreasonable in what sort of documents cardholder could obtain while abroad for extensive portion of calendar-year. Cardholder honored Citibank USA requests for documents. 
For this XXXX 2016 purchase dispute, on XXXX XXXX, 2016, Citibank USA concluded to cardholder : " We previously contacted you requesting information necessary to complete this inquiry. Since you did not include all the requested information or documentation in your response, we are unable to assist you. Please contact the merchant directly if you wish to pursue this matter further. 
We now consider this investigation complete. '' Cardholder feels that he has honored all requests and been cooperative with Citibank USA during the 6 months of dispute and that Citibank USA has failed in its fiduciary responsibilities in handling this matter. Cardholder has suffered monetary loss of {$440.00} USD as a result.
I spoke with the mortgage company with the intention of getting help in regards to my mortgage payments. This was right after hurricane Irma had passed and came to the conclusion with the mortgage company that those months would be forgiven and added to the end of the mortgage agreement. Those 3 months passed and made no payments as promised by the mortgage company. At the start of the year, I was advised by this same company that I owed them those 3 months of mortgage payments all put together. This is completely contradictory to what I had agreed upon with them before. I have continued to make my mortgage payments for this new year but the mortgage company continues to insist I pay for the last 3 months of last year. This added pressure is not helping at all and making me nervous I will lose my home. Why promise something and not hold up your end of the bargain? My family and my house suffered greatly from the hurricane and I don't need any added pressure to my day-to-day life. Please help.
Explained to company going through divorce and did not have enough money to pay remaing XXXX dollars and asked if company could pick up vehicle XX/XX/2018 instead company has repeatedly called my employer when asked to stop because my job uses phones and can not have lines tied up all day with creditor
Central Credit Services is currently misrepresenting themselves as owners of a debt where the original creditor was XXXX XXXX XXXX XXXX XXXX. I have not received any verification that they own the debt nor did I receive a letter from them providing me notice providing me with 30 days to dispute the validity of the debt. I came to the knowledge of this misinformation when I requested a copy of my XXXX credit report. In addition, the date of delinquency is inaccurate as the account began delinquent in 2011 and the original balance is inaccurate as the debt was {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from Central Credit Services indicating that they are in possession of this debt. Further, the Fair Credit Reporting Act ( FCRA ) states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act ( FDCPA ) states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which Central Credit Services is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.
Collector has been calling my mobile device without pause. Within 15 minutes there is already a cue of over 20 missed calls on my phone. My phone continues to ring ( adding at least two more calls to the previous number ) since I 've began typing this complaint with no indication of ceasing. The call comes from number, XXXX.
I paid this debt as soon as I received a bill from the medical provider. I paid it in full on XX/XX/XXXX. The statement was dated for XX/XX/XXXX. I then received a letter from the collection agency, Transworld Systems Inc., dated XX/XX/XXXX, which arrived on XX/XX/XXXX. I  sent them a letter with a copy of my payment after I called them more than 15 times and no one ever answered. The recording would tell me the person at extension ( then give a very long extension number ) was unavailable. Please leave a message. Then the recording would say the mailbox is full and can't accept any more messages. Then I received another notice dated XX/XX/XXXX, which arrived on XX/XX/XXXX. I tried calling again and it was the same thing. I tried their website and the only option is to pay the debt, no way to dispute it. They gave me a registration number that also does not work for anything other than paying.
this will be an update to my  CFPB/Regulatory Case Number  :  XXXX  dated      XXXX   XXXX   2017.    I have repeatedly tried to get the deed-in-lieu of foreclosure documents from  Bayview Loan Servicing LLC.  to allow me to start the process.   on   XX/XX/XXXX ,  I receive a  XXXX  mail asking me to start the deed-in-lieu documentation ; NO Documents were included to start the process. I have asked verbally to  XXXX   XXXX   XXXX  for the documents, for three weeks thru   XX/XX/XXXX , I have writt en to Bayview,  XXXX   XXXX   XXXX  and his manager  XXXX   XXXX   XXXX , on   XX/XX/XXXX  and  XX/XX/XXXX   via USPS, asking for written confirmation of receipt of these letters. No confirmation was received to either.   Finally on   XX/XX/XXXX  I r eceive the correct blank documents from Bayview, I have the coverdoc. from  XXXX .   next day   XXXX / XXXX /2017 I t ook the completed docs to  XXXX , at mid-afternoon EST, the fax machine at  Bayview, was inoperable, within the time suggested by Bayview  :  XXXX  thru  XXXX  MST. Sat   XXXX   XXXX   / XXXX /17 I  returned to scan the docs to a  USB drive,   returned home and emailed the nine pages ( as attachment  ) to    XXXX  XXXX  XXXX . the email never arrived. Wednesday   XX/XX/XXXX , I re-sent the same em ail with attachments to  XXXX   XXXX  and  XXXX   XXXX , consumer advocate a t Bayview. I have no email confirmation from Bayview. Toda  y  XX/XX/XXXX  I rece ive notice my application for deed-in-lieu process, is too late to delay the  Sh  eriff 's sale. Please ask Bayview a nd  XXXX   XXXX , about the three week delay in   XX/XX/XXXX , a nd now it is too late!?   I am very disappointed by the lack of professionalism, and very slow communication by Bayview and  XXXX   XXXX .
This complaint includes both private and federal student loans. I went into the military in XX/XX/XXXX and received a XXXX student loan repayment incentive ( XXXX actual paid, XXXX went to taxes ). AES owned all my loans at the time, ( XXXX total loans, XXXX private and XXXX federal ). The military made the first payment of XXXX around or about XX/XX/XXXX. After receiving the first payment AES applied the money to each loan instead of paying off my private ones first, as I requested. After the first payment of XXXX AES sold my federal loans to XXXX, but they sold them for the amount of the loans before the XXXX payment was made from the military. Another payment of XXXX was made XX/XX/XXXX but the amount of my loans has not decreased much ; I initially owed XXXX, after the XXXX was paid they are still saying I owe over XXXX. This makes no sense and I have tried to speak with both AES and XXXX many times. They never give me a straight answer. They 've told me that the majority of the money paid by the military was paid to the interest on my student loans, which they are not suppose to do, they are suppose to pay it toward the principle. Another issue is that I had to claim the XXXX from the military as income, of which XXXX was taken for taxes. I am never on the phone less than an hour when I call them and I have still never had resolve and I have been dealing with them for years. One of the main reasons I went into the military was to get the majority of my student loans paid off. I am now a XXXX veteran and I am beyond fustrated with trying to get my student loans figured out.
on both of my credit reports XXXX XXXX and Equifax is showing bankruptcy even though I dismissed that bankruptcy that the lawyer was misleading me into, and I settled the case with XXXX regarding my line of credit.Bankrupcy is dismissed and it is showing as active on my credit reports.Can it be corrected please?
My Macy 's and Bloomingdale 's credit card information was stolen and used fraudulently in Pennsylvania at XXXX different XXXX location on two different days. I was completely unaware that my card was compromised until credit card services blocked it. I followed all the steps I was told by Macy 's and Bloomingdale 's Fraud investigation department to take, such as to file a police report, complete a fraud form and mailed it to them. After three months of so-called investigation I received a letter from them stating 'We regret to inform you that your claim can not be accepted as a fraud and your account is turned to a collection department ''. Let me to restore the sequence of events that '' lead '' to this conclusion after " thorough investigation ''. On XXXX XXXX, 2015 the criminals who have stolen my credit card information went to shop in Pennsylvania to a XXXX XXXX XXXX location, made a purchase for {$2900.00}. After this they went to a different XXXX location at XXXX, again in Pennsylvania, and made the same charge for {$2900.00}. The very same day on XXXX XXXX, 2015 I used my credit card to pay for lunch in XXXX cafeteria where I worked XXXX. This did not bother Macy 's and Bloomingdale 's credit card fraud department at all. After successful shopping at XXXX those criminal had a chicken lunch {$29.00} at XXXX and serviced a car at XXXX again, for {$75.00}. Next they waited and on XXXX XXXX, 2015 went shopping again to XXXX, again XXXX. XXXX XXXX XXXX {$2800.00} and XXXX XXXX XXXX {$3600.00}. The very same day I used my credit card to pay for parking my car at parking garage located XXXX were I was working from XXXX to well after XXXX. Macy 's and Bloomingdale 's store is shamelessly trying to pin {$12000.00} on me. Macy 's and Bloomingdale 's XXXX XXXX Fraud Investigation Department conducted so-called investigation and came to a conclusion based on a ''history and notes '' that this is not a fraud and therefore I have to pay fraudulent unauthorized charges on my account. XXXX sentence ''BASED ON HISTORY AND NOTES ''. Please help.
Hello - I ordered my credit report and score from Experian on XXXX XXXX, 2016. I paid {$8.00} with my XXXX XXXX card and the transaction 's confirmation # is XXXX ; the report number for my documents is XXXX. The website said I would receive my packet by XXXX XXXX, 2016. I did not receive it. I emailed Experian through its general " contact us '' portal on XXXX XXXX to ask about it, and have received no reply and no packet. I emailed them again today, XXXX XXXX, and do not expect a reply to this either. I sat on hold for many minutes today hoping to speak to someone, in vain - never got to speak to anyone, so I hung up finally. Is there some way you can please facilitate their keeping up their end of the bargain? At the same time ( XXXX/XXXX/16 ), I ordered from the other XXXX credit companies, XXXX and XXXX, and had completely straightforward, aboveboard experiences with them both. I am angry with Experian! Thanks for any help you can provide. 
Regards, XXXX XXXX
I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with XXXX. A company that I have never done business with. Ever since I started driving my insurance companies have been XXXX. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.
Citibank try to say I owe money and the account is really old date from year 2000
My debit card was stolen once I gave my card I did n't get it back by someone I know I called my bank account told them to freeze my account they did n't. This person wrote my name on a check and everything and did multiple transactions. The person disappeared now I 'm left in debt of {$890.00} dollars and change.
I just spoke to XXXX employee id XXXX @ Trans Union credit reporting company. I want a one time copy of my credit report and score. The web site and XXXX told me I can only have it if I also by a credit monitoring service billed monthly@XXXX.
I made a purchase on XXXX/17 through a website. The total purchase was XXXX. When i received the order confirmation from the company my address was wrong. I tried to call them and their phone number just seemed dead, it did not connect or anything. I submitted two different contact forms through their website with no response. A few days later I filed a claim through my bank which is JP Morgan Chase, they temporarily gave me the funds back and said that it would go through a 45 day investigation. 45 days came and went and nothing came of it. Last week Chase took the funds back from me and when I called them I was told that this is not Fraud because I made the purchase ( even though this company does not exist and since also took their website down ) and that the seller use XXXX as their merchant services which protects the seller and that I have no protection of my money because of that. I spoke to someone else at Chase who said that did not make any sense and they would reopen the claim. I called again today and was told that the case was not reopen they were just going through the documents again and that this was not fraud because I made the purchase and there is nothing they can do to give me my money back. They have no contact information for me to contact sqaure. There is no contact information for this company, when you google the address it is a home address.