WillisBack/dataset-financial-user-claim huggingface dataset:
I became the victim of identity theft and my credit scores were marked down by equifax XXXX and XXXX and my interest rates soared and I could get no more credit and fraud investigations were cut short and I was told I would not be informed of the outcome and I was being held accountable for the unauthorized activities of another person
Diversified Consultants has been calling my work, cell and home phone repeatedly for months ( possibly a year ) sometimes several times a day. I thought they had stopped but today they called my XXXX aged son on his cell, LAST straw! They do n't tell me why they are calling but want me to pay them $ XXXX and give them info or face legal action. I would never give a company like this any financial info ever, I do n't owe them anything to begin with and have never even heard of them before. I do n't want to change all my numbers but will if you ca n't help me resolve.
I was recently assigned a cell phone by my employer that had been used by a former employee, who is no longer with the company. I have received several calls from Pan Am Collections attempting to contact this previous employee. The most recent call was today XXXX/XXXX/XXXX. Unfortunately, I share the same first name as the previous employee, and answered the phone identifying myself by my full name. With the common first name, the caller was aggressive in insisting that I was the party of his interest. I called back and talked to a XXXX XXXX with Pan Am, and made clear that I am not the individual they are attempting to reach. He adamantly refuses to acknowledge this. I explicitly directed them to cease calling me, which was met with a clear indication that they will not comply. I have blocked the listed number for the company ( XXXX ) on my cell phone. However, they have also dialed in on an " Unknown Number '', so I anticipate that they will continue to attempt to harass me. I was informed that the phone call was recorded by XXXX XXXX. I informed XXXX XXXX that I would be submitting a complaint to the CFPB as they are clearly in violation of the FDCPA. Pan Am Collections XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, XXXX XXXX
Central Credit Services is reporting the same debt multiple times on my credit report. I dispute the validity of the debt as they also never had the correct address or phone number until I recently contacted them after viewing my credit report. But without question, they have reported the same debt 3 times on my XXXX Credit Report.
I opened a checking and saving money market account in Key Bank on XXXX and immediately I started haven my name mess up and look like I am a liar even to church facilities were I gave my checks knowing that I had more than enough in my account to covered them. I am very upset with this branch messing with my money and name since I started banking with them. I have tried everything to tried to get this resolved but no help. I have unauthorized transfers that I have been telling Key Bank about an nothing but a nasty and negative response from them after they mess my name up .I got things still coming out of collections due to a game that someone had from Key Bank in my accounts. My funds just started disappearing out of my accounts. I am going to request again my money to be given back to me from this bank. I had made them fully aware and I am going to do it again today in this complaint. I want all the unauthorized transfers to be credit back into my accounts and then a check to be mail to me not deposit back into my accounts. I want my XXXX that was in my account on XXXX XXXX to be mailed to me. I have stated that money I didnt withdrawal out of my accounts someone else from the branch in XXXX Ct that wasnt XXXX XXXX took access of my funds and I want my money back just the same way I had it in my account.I am sick of the fix paperwork to make my account look like I dont have any money in them when I do. This is wrong how many requests does it going to take to get your own money back.It would be nice to see real paperwork fabricated with the correct information like the one I hold that I got from the main office.
Hello, I have a big problem with Wells Fargo bank my wife rented a vehicle from thrifty car rental, and gave them my debit card as a XXXX ID. she is not on my account, nor is she an authorized user on my account. she used her own credit card for that rental. a couple of weeks after that they charged my debit card XXXX dollars, i called them and they took it off so i called wells fargo, and told them that i feel that i am going to have issues with this company and to please cancel my debit card all together, which they did and the agent said as long as there is nothing on the account now they can not charge anything on this account about a month after canceling my card they charged my account XXXX i called right away and was issued a temporary credit and they told me that they needed a statement of what happened which i did on XXXX separate occasions, and i have the emails to prove it. Last week i got a letter stating that they are going to apply the credit back to my account because i did not send the proper information. i called an agent on the XXXX of XXXX and spoke to her. she said she will submit a request for more time to investigate on the XXXX of XXXX they applied the XXXX to my account, and now i am overdrawn for that amount. i called and warned them that i would call CFPB and FDIC and the agent bluntly told me that i have that right but that i have that right but that the bank also has the right to close m, y account at any time, which i do n't want they are a great bank, but this is a case of somebody not doing their job. i have since separated from my wife, but anybody can check with thrifty my name was never on that contract, and i never signed for anything. Please help me with this matter.
A person called from Unified Solutions on XX/XX/2017, said his name was XXXX XXXX. Said they had attempted to serve me documents and that since they hadnt heard back they were considering their due diligence complete and to consider myself notified. The callback number they left is XXXX.
In XX/XX/XXXX our HELOC that we have with Harris Bank matured/came due. I contacted Harris the prior summer to find out what my options were as I did not think I would be able to refinance. I explained that when the economy crashed, my husband was laid off from his job as a XXXX XXXX making $ XXXX. Since it took so long for the economy to recover, he had to make a career change and became a XXXX. He want from making $ XXXX to a first years XXXX  salary of $ XXXX. It took him 9 months to find a job. During the same time frame, I was in a horrible car accident and had a lot of medical bills as a result. 

We were referred to the Loss Mitigation Dept. at Harris and put in touch with XXXX XXXX XXXX. XXXX as so helpful, kind, and compassionate. We were offered a 6 month Stipulation plan and had to pay {$260.00} each month. We were told that if we make these payments on time that Harris would be able to help us work towards a permanent solution. As promised, XXXX contact us after we made 5 payments. I faxed her the paperwork she requested. A few days later XXXX contacted me apologizing stating that she could no longer assist us because our loan was now being handled in a different department and our HELOC was being charged off. When I inquired why this was happening, XXXX was not sure and confirmed that I had made all of our payments on time. 

That same day I contacted the department that was now handling my HELOC. They told me that my only option is to put this loan into a 5 year loan and make payments of {$1400.00} a month. I explained to her that I can not afford that high of a payment. She told me this was my only option. She told me I could make lower payments if I wanted but that would not guarantee that Harris would not pursue legal action/foreclosure on my house. 

I dont feel what happened here is ethical. We followed our end of the agreement on the good faith that Harris was working with us and that they would follow their end of the agreement. See below a copy of the email I received letting me know about the Stipulation Plan. 

Email from Harris regarding Stipulation plan. I copied it onto this document. I am happy to forward the original email. I do not have the contract/paperwork I signed on email, but Harris should have a copies of that paperwork. 

Email dated : XX/XX/XXXX : Hi-Management has approved you for a 6 month stipulation plan. 1st payment due on XX/XX/XXXX. Amount is {$260.00}. The 6 month plan is temporary to allow you time to improve your debt to income. Once you make your 5th payment, we will send you another package to get updated information in the hopes that things have improved so we can get you into a long term solution. Please call or email with questions/acceptance. If you accept, my closer will send you a letter with the payment due date and amount. Thanks. XXXX ( I included the copy of this email here because every time I tried to attach it below I lost everything I had typed. )
Ally Auto financing makes it hard to get the 10 day payoff. They take 3-5 business days to process a 10 day payoff and does n't make it available online even though they have online bill pay and financial online statement. How can they make it easier to obtain the payoff amount
I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Transunion however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Transunion and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Transunion and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.
Thursday, XXXX XXXX, XXXX I purchased a ring for my daughter ( who is an authorized signer ) on Saturday, XXXX XXXX at the Zales store at XXXX XXXX XXXX in XXXX, NC in the amount of {$1800.00}. The ring was never in my daughters possession as she had requested it be resized. Since XXXX XXXX fell over the XXXX XXXX weekend, the ring would take several more days than usual to be sent off and resized. 

On Sunday, XXXX XXXX, my daughter called the Zales store referenced above, and cancelled the purchase of the ring. She was told by an associate that the ring had not been sent off to be resized and they would return the ring to their inventory and credit the Zales Credit Card account immediately. My daughter was told there would be no need for additional action. 

On Sunday, XXXX XXXX, my daughter checked the balance of Zales Credit Card ( with my permission ) and noticed that the ring had NOT been returned and was showing a balance of {$1800.00} with a LATE FEE of {$25.00}. My daughter then called the Zales store the ring was purchased at and demanded to know why the account was showing the ring was not returned. She was then informed by an associate who claimed to be the manager, that in order to return the ring, my signature or my daughters as she used her Zales authorized signer card, would need to complete the return. 

Due to the ineptitude of the store associate my daughter spoke with on XXXX XXXX, my account was placed in a COLLECTION status and reported to the credit bureau. I am beyond furious at this turn of events. Store associates need to be properly trained on how to deal with returns. Because of turn of events, my credit has been negatively impacted due to a store associate not understanding the return process. If we were informed the return would require a signature, there would be no question it would have been taken care of BEFORE the first due date of the payment on XXXX/XXXX/XXXX. 

The issue with the credit bureau should be corrected ASAP. I do not want to pursue this matter further by filing a complaint with the CFPB or other consumer protection bureaus, but I am beyond furious this has happened.
XXXX XXXX of XXXX, FL XXXX XXXX XX/XX/2017 auto loan. Did not give permission for this inquiry. 

XXXX XXXX XXXX XXXX XX/XX/2017 Did not authorize this inquiry XXXX XXXX XXXX XX/XX/2017 Did not authorize this inquiry I have put a freeze on my credit reports with all 3 credit agencies because companies are doing credit checks without my permission via the internet. i am trying to improve my credit to get a house and this is hurting my credit scores
I want to file a complaint against Seterus Inc. XXXX was suppose to take the check that I sent in for my Escrow Account for {$500.00} back in XX/XX/XXXX, which they applied as a partial payment, though I sent in my normal payment for XXXX, XXXX, and XXXX of XXXX. Since they were not willing to apply to my escrow account, nor return the money to me, we discussed that this partial payment would be reversed and applied to my principal balance, which I agreed to. Then I get a letter from her responding to me that no, they did not do as we discussed, instead she took the payment I had sent in for my XX/XX/XXXX payment and reversed it instead. Then she went on to reverse all of my payments for XXXX, which should not have been affected and then put my account in Suspense. I have been denied refinancing of my loan with another bank as Seterus Inc has reported to the Credit Reporting Companies that I have been 180 day delinquent on my loan. I have never been late, nor missed a payment and now I have been denied refinancing because they have falsely reported to the credit bureau 's regarding that I 'm delinquent. I have my canceled checks to prove this. This is ruining my lively hood and my credit worthiness. I would like to know how can they continue to get away with running people lives like this? How do I get this corrected? Please advise.
I had my car loan with XXXX. During my loan period with them, I deferred my XX/XX/XXXX payment. Both I and the lender agreed it was ok. Santander bough my loan from them in XX/XX/XXXX. This information want passed to Santander so they said I was missing a payment. I talked to multiple reps and even a supervisor they said it would get fixed because they too saw that I deferred a payment. Its been over a month and they never resolved my issue.
XXXX XXXX,2016, i open a credit account with ( comenity-blair.I purchased ( {$65.00} worth of merchandise, which i paid off by installment payments, that were made by sending money orders.They have been paid off, but they are still calling and writing for more payments, They sent incorrect information to a credit bureau.They have gone from the ( {$65.00}, which i paid off, to a new balance, of ( XXXX.I have not made any additional purchases.
My cell phone listed this number as the caller. A lady by the name of XXXX XXXX state that there were documents under my name ( she used my full legal maiden name ) and social brought to her attention that I am probably not aware of. She said it is very urgent I call her back by XXXX eastern. She told me to call her back at XXXX and use a reference number that included XXXX digits. This is n't the number she called me from. I looked the XXXX up and this seems to be a common message associated with this number. The woman never stated what company or office she was calling from.
We have a mortgage with Carrington Mortgage Services LLC, we have contacted them through online chat to find out why they are charging additonal amounts on our monthly loan payments and there answer was I would have to call direct to speak with a Rep so they can explain the fee 's added. In  XXXX   XXXX  we signed a Modification agreement with  Carrington M ortgage and was told we needed to go ahead and make the  XXXX ,  XXXX , &  XXXX  payments to be caught up. Each monthly payment was for {$330.00}. So we sent in  3 different checks, one for each month requested, each check was wrote out for {$330.00} each. And we have made the exact same payment amounts each month since. Carrington w ill not send us a bill direct and I also asked the online rep about getting the monthly bills/statements sent to our home, cause our lawyer even said they never recieved the bill for  XXXX   XXXX .  Carrington said we needed to mail in a request in which we have and have heard nothing back on that. Carrington has also turned into the credit beaura 's that we have missed a total   of 28  payments and in fact we missed  XXXX  and  XXXX  of  XXXX  payments then we sent in a month and half payment the accepted, which made us half month behind. The next check we sent in they mailed back to us and have rejected all payments even through us having a escrow for all our payments with our lawyer for the every month since.  XXXX   XXXX   Made  2 years since our first missed payment and we signed and paid monthly payments for  XXXX  to present of this year of  XXXX . Here is the only info I can get on our mortgage account through Carrington site as they will not send us info. And they wont explain the fee 's which are not part of the Modification agreement.   Payment informati on Loan Number :  ... ... ... ....   Next Payment Due :  XXXX / XXXX / XXXX  Total Due : {$940.00} Previous Payment Received :  XXXX / XXXX / XXXX  My further comments : ( {$330.00} of the above total is due for  XXXX / XXXX / XXXX  the rest of the total is extra with mo explanation of what it is for and why it is being charged and violates the Mod. agreement. )
I called this company several times, no answer, I don't even know who there are how can this just end up on my credit report and I don't even know what it is all it states is XXXX XXXX XXXX  this is hurting my credit report drastically, I would like them to show proof or delete from all 3 credit bureaus immediately.
I recently received a copy of my credit report and I noticed that this company is reporting negative illegally re-aged information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I have been active on a family plan with XXXX since XX/XX/XXXX however this company has reported as of XX/XX/XXXX that I owe them via XXXX money which is impossible or an account they reaged illegally. I am requesting validation of this debt. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. As well as when the account was closed and bought by this company.
Mortgage company mistakenly tagged my account to a " Promotion '' that I did n't initiate nor did I approve. The " Promotion '' changed the terms of my mortgage contract which inadvertently increased my monthly payment. I 've made several attempts over a 6 month period to get the issue resolved. Unfortunately, the mortgage company has spun me into a bureaucratic circle repeatedly and the issue still is n't resolved. The mortgage companies failure to resolve the issue in a timely manner led to another series of events and issues with the main issue being that Escrow was added, home owners insurance was added and taxes were added. These are items that I 've historically took care of myself from separate accounts that are detached from my mortgage for the last 10 years.
I have disputed a few items on my credit report however it keeps coming back as verified. XXXX XXXX XXXX Also a lot or inquires In may i spoke to a police officer they gave me a police report I called all 3 beaus with the report number. I was told it would take 5 bus days its now XX/XX/XXXX.. the bearus said that it came back verified. not that they verifed what was " verifed '' on top of that i have a enormous amount of inquires that are still there. The Poeple just keep running my credit over and over ..it was so bad they transposed my soc sec giving a me joint file for a long time and no one know Ive now submitted my police report to you guys
On XXXX XXXX, 2017 I visited my local branch of BBVA Compass Bank to open an Individual Retirement Account. I had to open the account prior to funding since the non-taxable transfer of my 401k account had to be directed to the bank. The same day, I received a credit alert from my XXXX XXXX provider that a hard credit bureau inquiry was made on my social security number by Compass Bank. On XXXX XXXX, 2017, the funds from my 401k were made available to finish the funding of the IRA account that I  opened. The transaction was completed and funded on that date. In addition, on XXXX XXXX, 2017, I requested that the bank remove the hard " credit '' inquiry, as no permissible purpose existed to obtain a credit report for this deposit account. The bank personnel refused, citing that the bank " always '' pulled a credit report for new customers. I objected and indicated to the bank personnel that the hard inquiry changed my credit score for the worse as if I had applied for credit from the bank. In addition, I did not receive a disclosure regarding the bank 's use of the credit score, or the fact that I did not, nor do not intend to apply for credit from this bank. In the bank 's privacy statement it indicates that the bank will use information obtained about a customer to solicit credit products. I could not object to this use, and am thus now penalized as though I had applied for credit when I did not! There are other means to verify identity when opening a deposit account ; I object that the bank utilized a credit bureau report to verify my identity without my permission.What I seek is the removal of the Compass Bank credit inquiry at the credit bureau and remove credit information obtained from such report from my customer profile at the bank so that I am not solicited for credit products. If I had known that this bank would pull a credit bureau on a deposit account, I would not have opened the IRA account with them. Now I am stuck with this account at this bank without the ability to transfer the funds to another bank because of IRS rules.
XXXX - Porfolio Recovery. 
It is now XXXX XXXX where I live and this number has called me 27 times in the past hour. This company calls constantly from numerous phone numbers and demands my birth date and ssn before they'll give me even their company name. I get the company name by calling the number. I have sent several cease and desist letters through certified mail, but they refuse to stop.
Back in 2003 I, XXXX XXXX XXXX, was the victim of Identity Theft. I filed a police report. I learned that ASSET ACCEPTANCE , LLC bought a debt from XXXX, and placed a lien on property. 

I ask that you help me get the judgment lien released. Its XXXX XXXX XXXX number XXXX, judgement lien number XXXX. I read on the FTC 's site about a lawsuit invovling Asset Acceptance, but have not been able to get a meaningful response from Asset Acceptance.
They call me during working hours that I told them not to contact me and they repeatedly call every single day and multiple times a day.
I sent a letter to Equifax on XXXX, requesting a credit investigation. To date, I have received no response from Equifax whatsoever. XXXX responded to me right away, but not Equifax.