WillisBack/dataset-financial-user-claim huggingface dataset:
My exwife received a call from XXXX XXXX from a woman named XXXX, she left a voicemail on her phone which clearly states her new married name, alos have to mention the cell phone they called is only 2 years old and was obtained by her after I opened this account has no connection to my account. She proceeded to say they were a debt collector and that I had until XXXX this evening to call her back or other action would be taken and that I would give up all my rights to dispute a voicemail that was saved. When I called I spoke with a Mr XXXX, supervisor and I advised him I had no idea what it was about as i never received a call or a letter from them notifying me of any debt. I explained that currently i am out of work and have mortgage, car payment etc. He responded by saying they should be a priority and offered to take payment now. I explained didnt have time to speak about this, to which he responded, WHY YOUR NOT WORKING YOU HAVE PLENTY OF TIME. I then tried informing him of the FDCPA and he said I was wasting his time and the only thing he would talk about would be a payment.
Synchrony Bank Walmart closed my Walmart store card on XX/XX/2018 due to a return ACH payment from my bank. I called Walmart Credit Services and was told that this was my second check returned within a year and it was automatically closed. I was told that I could dispute the decision only if I had documentation from my bank stating that it was the banks error. I have such documentation and I am submitting the letter to them. I thought I had previously sent in this information with my bank activity showing I had the funds to cover the payment but I still received a rejection to open my account back so I requested a more detailed letter from the bank and they sent it to me. The Walmart account should not be closed. It was a bank error and this should be re-opened. Getting through your customer service representatives is such a daunting task. This last four months has been a nightmare and I am in the middle of changing bank accounts because this keeps happening
I have yet to see the proceeds from my US wire transfer created on XX/XX/XXXX, yet an ACH transfer has arrived and the Coinbase site says the wire transfer was completed on XX/XX/XXXX. They state that Wire Transfers only take a day or two to complete, but it has been two weeks and I have not received my funds. 

The amount was in the thousands and it was sent to my bank on the same account as my ACH, which did succeed, so I know the bank information is correct. I have contacted my bank 's wire department and they have no record of any wires for that amount over the past couple weeks - so it was n't an issue with the account details being incorrect, my bank had n't received any wire for that amount for any account. 

I first contacted Coinbase support via their support ticket tool on XX/XX/XXXX - but only received " canned '' responses for issues totally unrelated to mine. I responded to the ticket several times, and got a different " canned '' response for a totally unrelated issue, and eventually Coinbase stopped responding entirely.
All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XXXX XXXX 2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.
XXXX ACC # XXXX, XXXX XXXX ACC # XXXX Were both in a bankruptcy I filed on XX/XX/2014. Both of these accounts continue to update showing negative balances after the bankruptcy was discharged over 4 years ago.

I have tried several times to have this issue resolved the credit bureaus and the furnishers but with no success.
I need help getting help with my account I 'm on XXXX and I inquired to the company several times through customer service but I cant get to speak to someone higher up. My daughter and I who is the cosigner are both out of work on XXXX. My daughter had XXXX and I have XXXX and XXXX issues. The company did give me a XXXX payment extension which had my next payment due the same week I signed off on my paperwork and I tried begging them to give me atleast 30 days because I had n't started receiving my XXXX checks yet but was denied, I was told they cant give an extension on a payment that is due yet but I have a payment schedule and I have financed several cars and have never heard that before. I was told that I 'm paying interest payment for the first 2 years anyway so I do n't understand why they cant just help me out. My interest rate is 24.937 % which I have bad credit so I was desperate and had to get a vehicle from them not realizing that the rate was so high of course until afterwards. I need help I can t afford to loose my car I need transportation with everything that I have going on I 'm stressed enough and your agency was my last resort to try to get them to work something out with me
Unknown and there was never a medical bill I owe d in 2014. Thi s is inaccurate and false information against me
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX.

3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX
They purchased debt that was over 7 years and and already taken off my credit report. They are putting it on my credit as if it was new debt. They are trying to collect the funds for another 7 years.
I am absolutely in disbelief that there are so many credit rating agencies, these agencies have different scores and different information constantly. Now I have come across an agency called XXXX XXXX. They report that my credit score is XXXX, what a joke. While all three major agencies are within XXXX to XXXX points of each other and my score is XXXX with XXXX yet XXXX with XXXX, these morons have the nerve to rate my score XXXX. Why hasnt the government mandated and control these 3rd party and even the major credit bureaus with a set of guidelines that can not be taken into their own hands and each bureau allowed to use a different rating system, these agencies control our lives as Americans and need to fall under one set of rules and use only one accepted way to rate our credit. TOO MUCH depends upon their rating such as employment, interest rates, getting credit for a small business. Now I have to dispute a bunch of inaccurate information with this agency XXXX XXXX that NO ONE have ever heard of. Why would XXXX use such a no name credit bureau, but your agency needs to overhaul this industry and make this agencies homogeneous within the way they choose to rate our credit.
I went to XXXX on XX/XX/XXXX of 2018 to ask an estimate od the cost od their new models as I am planning to buy a new car next year. I told the sells person i wasn't going to buy, I just wanted the price. She said she needed my drivers license to show me the models and give me an estimate. They asked me to feel a form and said they wouldn't do any hard inquires, for my surprise I have found they have put 3 hard inquiries on my Transunion and 2 hard inquiries on My XX/XX/XXXX. I never agreed with that and I never bought a car from them.
When I sent a letter requesting Midland Funding to validate an alleged debt and provide their Texas license and bonding information ( as required by Texas law ) they not only did not send the information but sent me a letter refusing to validate the debt. A few months later they placed major derogatory information on all XXXX of my credit reports. This ruined an excellent financing opportunity I 'd applied for at about the same time. The specific reason I was declined was due to their recent illegal reporting of a collection.
I have a plumbing leak in my hall bathroom. I contacted my homeowner 's insurance company XXXX XXXX XXXX XXXX and filed a claim. Today I have found out that the check they issued is to me and Seterus, the mortgage service. In order to cash this check to complete the repairs to my bathroom I need Seterus to endorse the check. Upon contacting Seterus, they said we need to file a claim with them for the plumbing and water damage as we did with our insurance company. They will send out paperwork to be filed out by us and to allow 5-7 business days for us to receive the paper work. Then we need to send them back the paperwork along with the check so they can endorse it. Once they have received our claim and the check, we need to allow them 3 more business days to review our claim and endorse the check. Then they will mail it back to us and we need to allow additional 5-7 business days to receive it. This process which was started on XXXX XXXX with our initial call to the insurance company and has already taken 3 weeks and been extended by an additional 4 weeks because of Seterus, the mortgage servicer. I have no guarantee that I will even receive everything back by the week of XXXX XXXX. In the meantime we do not have full use of our hall bathroom for now a minimum of 7 weeks plus whatever the amount of time for contractors and plumbers to be able to repair the pipe, walls and tile. This is an unjust way to do business and I feel the practices of Seterus need to be investigated.
On    XXXX   XXXX    , 2017 a t approx.   XXXX   XXXX   EST, I checked my   XXXX   XXXX   account as I do frequently since I working on rebuilding my credit so I could purchase a home with  my VA Military Loan. I noticed  that my scores had dropped substantially. I looked through the reports and show a creditor I did not recognize ( IC Systems ), IC Systems reported a collection for {$67.00} for a company   XXXX   XXXX  . The collection account was opened in  XXXX   XXXX ,  2017    according to  XXXX   XXXX  and  XXXX   Credit Reports.  I am not aware of this debt as I never received any emails, letters, or phone calls regarding this matter.     In addition, there are No additional information as to who the original credit is/was, located, and open account date for this {$67.00} debt. I attempted to contact IC Systems however it is the weekend and holiday weekend therefore communication fail. I am afraid to connect with IC Systems as they may be fraudulent and gain access to personal information.
I am a Veteran currently being seen by the VA for XXXX. I was unemployed for a short period of time and now have a job that only pays $ XXXX. I have fallen behind on my car payments and need the company to work with me so that I can keep the car and continue to work.
I 'm in forebareance and want to sign up for XXXX, because I consolidated and it includes a plus loan Navient says I do n't qualify for program. Once forbearance ends my payment will be XXXX or more per month and I 'm retired and on social security.
I submitted an appeal for a repayment Plan to my Mortgage servicer, Plaza Home Mortgage, the bank XXXX. The appeal was because we added income. We are now being told we do not qualify and we can not understand why. We were advised to submit all income in the home for my spouse and myself. We understood that all income would be considered. Originally, I applied with my income only and now we are adding my wife and we do not QUALIFY. How could that be???? 
1.The assumption is that I MAY HAVE NOT QUALIFY in the first place in XXXX 2014 and therefore I am thinking this was predatory lending Plaza Home Mortgage. Which they have been cited for in the past as well XXXX. 
2. Our PMI is at 1.72 % of the loan which does contain {$20000.00} of construction, it is a XXXX streamline loan, so the base loan is XXXX. If I am correct it should be on the base of XXXX and not the XXXX ( which includes the construction loan ). 
3. The rate for the PMI should have been between 1.30 % and 1.55 % for 2014 which is when the loam closed. We are at XXXX of the full loan. 
4. We are advised that a company called XXXX XXXX XXXX XXXX, would see us face to face because Plaza did not desire to foreclose on us but we never met with the company and after calling Plaza a few time I was never given a number for them, I was told I had to wait for them to come to me. We then received a letter that we were assigned to a law foreclosure group, that was notorious for robo signing of foreclosure mortgages in Florida. 
4. I was laughed at by Plaza Rep when I advised them we are working overtime and such because we wanted to save our home, " how long are you going to keep that up for '' ( if the conversation was recorded by the company feel free to look into it XXXX by XXXX XXXX. I guess XXXX people should give up and not own property because we lack work ethic is what I gathered from XXXX XXXX, which is why moving forward in XXXX with the additional appeals I felt we would be denied regardless of what we submitted, and here we are now5. The calculations on the property taxes for the 2014 year was suppose to be XXXX divided by XXXX equal XXXX but the XXXX reflects XXXX per month. The new taxes hopefully will be roughly XXXX which would lower our responsibility. 
6. This is a FHA loan, we re paying a premium to insure that the bank suffers no loss if we default. WE in turn get nothing, why would they keep returning our payments, not sending out the representative they promised to help us and kick us out. WE want our home and we are communicating. 
I have ask for a XXXX mortgage forensic audit on this account and will seek legal avenues if we are not accommodated.
I took a loan with this company and then had an emergency arise before I could pay them back. I have a lawyer on retainer and am in the process of filing for Chapter XXXX bankruptcy. On XX/XX/XXXX, I  pre-empively emailed them my attorney name, phone number, address and chapter number before they initially contacted me. On XX/XX/XXXX I was contacted by a collector attempting to collect a payment. I informed her that I was filing bankruptcy and she said they tried to contact my attorney but got a voicemail. ( They have to leave a message and the attorney office will contact them. ) Again, I gave her the information including my attorney 's e-mail address. On XX/XX/XXXX, I was contacted again and they still claim they can't get the information. I explained to the collector that they have to leave a message and the attorney handles it from there. Again I provided all information they required. After hanging up with them, I immediately called the number I provided them, and it works fine. On XX/XX/XXXX, I received another call from the collector asking for payment. I again gave them the information. I also informed the collector that this is harassment because they are calling daily and I am cooperating every single time they call. I informed the collector that I would be filing complaints with the appropriate agencies. She apologized and said she was forwarding the information to their legal team again. Now today XX/XX/XXXX, the same collector calls me this morning attempting to collect payment and telling me they can not get ahold of the attorney. I asked her how they expect to reach an attorney on a weekend, and she proceeded to tell me this was from a few days ago. I informed her that I just gave her the information yesterday ( Saturday ) She had nothing to say to this. I again informed her that she is violating FDCPA laws, and that I was filing complaints and sending in a cease and desist letter.
I have been attempting to work with my new mortgage company but they have been nothing but helpful since taking over my loan from XXXX. I need help as my home is going into default and I can not maintain payments. Please have someone assist me with a solution. I am open to a loan mod as or deed in lieu. I need a single point of contact, someone who is willing to keep open lines of communication.
These are all pieces of Junk mail I have received from Chase Credit Card, all the agents in the mail they have mentioned are not reachable. 

They make it like that, so that the customer scratch their hair away from their heads, and chase have purposely transferred all of their call centers to Non English speaking nations so that the customer gets fed up of the Call center representatives and hangs up the phone, now everyone does n't know about consumer finance website and how to go to court to get their problem solved, so chase is taking advantage of that. 

In one of the letters I was asked to contact " XXXX XXXX '', and given a case Number " XXXX '', but when I contacted on the phone number given, XXXX was not over there and the representative did not need my Case Number, she asked for my account number, so why was this case number given at the first place? 

On the second letter you can see - chase gave me a duplicate credit and said they are correcting it by reapplying it but instead they reapplied the charges two times, giving me no credit at all, here are the charges - {$100.00}, {$100.00}, {$140.00}. 

Now there was a letter from chase to contact " XXXX XXXX '' for the charges - {$47.00}, {$170.00} and {$720.00}, but whenever I called the number, he/she were never available, nor I received a callback from this guy. 

I recieved a letter from executive office, I contacted them but there was no response at all, nor even a courtesy callback, there is no respect for the customer.
I signed up for equifax 's trustedid product. I went through the steps to active my account and then their website froze without me completing. I went back in to continue to process and the website said an account already exists and to call XXXX. I called that number. The first time I was told I would be transferred to the person to help me and was hung up. I called back and this time was told that there was nothing they could do at that number and I would have to call another number and they could not transfer me. I was given a new number to call XXXX which just rings busy. 

So now, I have an account activated with my personal information on a site that freezes and fails that I ca n't access. I ca n't get in touch with anyone to fix it and I am not sure where to go. 

I have attached a print out of the website giving me the direction to call XXXX. After calling and sitting on hold for XXXX minutes twice, I was told two different things by the reps and neither solved my problem.
Starting on or about XXXX, 2014, Transworld Systems Incorporated called my personal phone and alleged that I owed a medical debt amounting to {$1300.00}. I responded that the medical fees should be {$450.00}, but the caller responded that the {$900.00} was an additional expense in addition to the {$450.00} medical fees. The {$900.00} additional expense was not explained any further. 

After this phone call, I called the hospital to which I owed the medical fees, the hospital confirmed that I had medical fees amounting to {$450.00}.
I am one of approximately 143 million people whose credit information used by Equifax was stolen over a 2- month period. This is the largest data breach in consumer history and has impacted 143 million individuals. Why did it take Equifax almost 2 months to discover they 'd been hacked? How many new identities will be established as a result. And why did Equifax officials sell their stock prior to the public release of the hack?
On XX/XX/XXXX Credit Acceptance received a certified letter requesting debt validation. Credit Acceptance responded by sending me documentation related to the vehicle I purchased. The provided information reflected the car was auctioned off & that I owed a balance of {$5400.00}. On XX/XX/XXXX Credit Acceptance received a XXXX certified letter from me stating that the XXXX XXXX XXXX XXXX XXXX XXXX ) was auctioned off WITHOUT a Content of Notice being provided which is required by the lender to notify the consumer of the intent to sell, the cost to redeem or reinstate the loan. Failure to do so is a violation of Texas Business & Commercial Code Sections 9.613 & 9.614. I requested Credit Acceptance to respond to my XXXX written request within 15 days. As of XX/XX/XXXX Credit Acceptance has not responded to my written requests.
I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XX/XX/XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were discharged in bankruptcy and the others transferred to XXXX. I spoke with someone XX/X/2017 about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.
I found out that on XXXX XXXX XXXX that my home was going up for auction on XXXX XXXX, XXXX. I had tried working with nationstar ( the company holding the note ) to work on a modification. My ex-husband XXXX XXXX XXXX XXXX put XXXX in place in XXXX and I paid on it through XXXX and XXXX until XXXX/XXXX/XXXX. I had made a verbal agreement that he would pay the XXXX payment of which he did not. By the time the bank informed me about no payments on the house I was XXXX payments late. I did not have almost XXXX to give them so I asked if I could do a modification since I was the XXXX that had been paying for the house for the last two years. I was told no XXXX XXXX would have to do a modification because my name was not on the Note of Mortgage. But I found out on XXXX/XXXX/XXXX that my name was put on the mortgage note in XXXX in book XXXX page XXXX. My ex-husband did the modification by himself in XXXX of XXXX recorded in book XXXX page XXXX. I asked Nationstar at the time because we were seperated and I intended to purchase the house from my exhusband if I needed to fill out a modification myself. I was told no the house note was only in my exhusbands name. Upon being served by the lawyer holding the auction on my home I found out that in XXXX when we remodified my loan with XXXX my name was put on the note without my signature or consent, and also on the note with my consent. I did sign a note in XXXX due to the lawyer stating I was signing my name just to the title not knowing it was the note, but we refinanced in XXXX and NEVER signed the note, but the lawyer rolled the mortgage over with my name on it without having me sign the note. I removed my name from the deed on XXXX because the bank I was working with to purchase the home said I could not purchase something I technically already owned so I removed my name from the title for purchase. This is when I found out that there was over another XXXX dollars worth of liens on my home and the bank backed out and found out that my name was on the note for a second mortgage of which I had no clue exsisted. Both my exhusband and myself had put a second mortgage on the house in XXXX through XXXX credit, but that was paid off by myself in XXXX in full. I just want to purchase my house, cut through all the wrongs that have been committed to me and keep my house. I have every piece of paperwork, but cant not attach over XXXX pages to this. If you want every piece of my mortgage from the original purchase date of XXXX I can and am more than willing to do this. I currently have no clue who owns my home other than XXXX that purchased it back at auction for XXXX. I know that by putting my name on a document I did not sign is not legal, so I would like to know were I am to go and what I am to do to keep my home. I have now been given a bill saying that XXXX XXXX XXXX XXXX ( XXXX ) owns my home and that the breakdown of money goes at they purchased the house for {$150000.00} but principal, interest and XXXX charges and escrow was {$240000.00} and foreclosure fees and costs is {$7300.00}. I do not feel I should be responsible for this.