WillisBack/dataset-financial-user-claim huggingface dataset:
I got a call at XXXX on XX/XX/18 on my cell phone from XXXX from " specialist XXXX '' from XXXX XXXX XXXX. The voicemail is for an ex-family member that was named by her first and last name. She hasn't been related to me for years and has never used my cell phone number as a contact, meaning this company knew they were contacting someone other than the debtor. The voicemail was quiet for 4 seconds before " Specialist XXXX '' began speaking, indicating that it was a computer dialing. The debt collector is demanding a call back by XXXX today or " this will proceed to the next step that will directly affect you. We will continue to to take all available actions to get this matter resolved ... make this a priority to respond to this message at XXXX. My direct extension is XXXX. ''
XXXX XXXX received a threatening phone message from XXXX XXXX claiming to be from XXXX XXXX stating that I had committed fraud and they were contacting me regarding a check. She mentioned my bank. ( I have the recorded message ) I researched company number and found XXXX and Weiss Arbitration listed. I also found complaints and scams identified with this company. 

XXXX XXXX received calls from XXXX friends and my brother stating they had received threatening call/message from XXXX XXXX at XXXX XXXX about a fraudulent check from me. She mentioned my bank on the messages to them and with XXXX person stated that that friend could be charged with fraud if she did n't make me contact them. ( I have XXXX recorded message ) XXXX XXXX, I called the number left by XXXX XXXX and stated that I was recording any communication and to call me back. 

XXXX XXXX around XXXX am, XXXX XXXX called and asked " How can I help you? ". I stated that she had requested I contact her and what was it regarding. She first stated it was for a check with my bank. Then she stated it was a creditor. I questioned dates and amounts. I did not identify with the debt and asked her to mail me statements of the debt. She emailed a statement to me but I have not received a physical statement or proof of the debt.
I inquired about Refinancing online. Several Mortgage Companies, including Amerisave set me several e-mails for several weeks. I take care of my totally invalid mother and it 's been frustrating with all the e-mails and phone calls. Amerisave kept sending me athe same e-mail that allows hyou to click in that days rates. I clicked in everyday and did nothing until XXXX/XXXX/XXXX, when the Rate was 3.25 % with Closing Costs of {$2700.00}. I clcked on the Link to Apply at that Rate and Fees and I went as far as the Application all wallowed me. Upon not being able to finish, I received e-mails from XXXX XXXX of merisave. She promised that if I sent my XXXX Tax returns, she could finish locking in that Rate and the aforementioned Fees. After sending her my Tax Returns, she sent me a Link to choose a NEW Rate. I told her I wanted my Rate and Fees from XXXX/XXXX/XXXX, as applied for and as promised. She told me that I could n't get that Rate and Fees, and I had to go with that day 's Fees of {$3800.00}. I complained, she said I insulterd her, which made me more upset, so I called her a XXXX. I 'm under tremendous stress caring for my mother and XXXX XXXX lied to me and insulted ME. I insulted her in return. I wasas also mad that she was trying to change the Fees on me. When I complained to her Supervisor, XXXX XXXX, he insulted me also and refused to honor the Rate nad Fee I locked in on XXXX/XXXX/XXXX. 
I also have every e-mail exchanged between XXXX XXXX, XXXX XXXX, and myself. XXXX e-mails CLEARLY show her telling me that my Rate and Fees would be what I applied for on XXXX/XXXX/XXXX.
I disputed these accounts ( dismissed chapter XXXX BK XXXX and XXXX ) and was deleted from XXXX the other bureau, but I have not good resulted with Experian.
I provided an updated profit & loss statement to SLS via fax number XXXX and email address XXXXXXXXXXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016. 
I also confirmed with a SLS representative via phone that they were in receipt of the enclosed updated profit & loss statement that show my gross monthly income as follows from XX/XX/2016 thru XX/XX/2016. 
Gross Receipts XXXX TOTAL INCOME XXXX Expenses TOTAL EXPENSES XXXX Net Profit / Loss TOTAL INCOME : XXXX - TOTAL EXPENSES : XXXX = TOTAL MONTHLY NET PROFIT : XXXX Specialized Loan Servicing ( SLS ) violated loss mitigation procedures. SLS knowingly miscalculated my monthly income after being provided with updated financial information via email, phone and fax. SLS used the wrong profit & loss statement. 
SLS is concealing the fact they had my updated information prior to making a loan modification determination. SLS also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax on XX/XX/2016.
I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX and the credit bureau TransUnion, XXXX and XXXX, I even conferenced a call with TransUnion and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).
On  X/XX/2017    I calle d Navient inquiring  about a notice that was posted to my account regarding 'no longer earning the 'Smart Reward benefit ' due to not receiving payment on time. However, I have paid the agreed upon amount every month to be qualified for the  'Rate Reduction Program '.   The phone record is as follows :  XXXX / XXXX /   2017  @   XXXX   XXXX   - Call last ed 6 mi nutes and when being transferred the line was dropped on  Navient 's e nd.      X/XX/2017    @  XXXX  - Call lasted  4  minutes, I was transferred by the automated recording to the same women as the  XXXX  call. She proceed to apologize for losing my call and transferred me again. Call was dropped again.      X/XX/2017    @  XXXX  - Call lasted  16 min utes. I was transferred to the  'Collections Depa rtment ' via the automated recording. I read the noticed that I had received on my account regarding the 'Smart Rewar d Benefit ' noting that Navient had not received payment on time. The women was unable to identify what the 'Smart Reward Benefit  ' was and I was placed on hold. When she returned to the phone she informed me that her supervisor was also unable to identify what the 'Smart Rew ard Benefit ' was and the effects it had on my loans. I requested to speak to a department that was able to provide me with further information regarding my loans. I was then informed that Navient was unable to transfer me and all they could do for further information was issue a request and I need to call back in 5-7  business days.
Credit Bureaus and collection company keep verifying and updating my account without sending proof of contract with signature. I aso was not notified within 5 days of reporting to the credit bureaus that the collection agency was going to report to the credit bureaus.
I was not given notice of garnishment by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. 
I have lived at XXXX XXXX XXXX XXXX, XXXX, KY XXXX since XX/XX/2018. They have had plenty of time to notify me. 
They did not offer an installment payment plan after I called them either.
i have tried a number of times to request for debt validation and I have yet to see something that validates this is my debt
Fifth Third Bank offered me a balance transfer offer that included a 3 % balance transfer fee and 12 months of 0 % APR. I was given a check to use to take advantage of the balance transfer offer. The check expired   XXXX    XXXX , 2017. I issued the check to another creditor to resolve a balance before the check expiration date. Fifth Third Bank claims the check was processed by the other creditor after   XXXX    XXXX , 2017. They did not offer me the balance transfer offer and ultimately charged me a 4 % balance transfer fee and standard 19 % interest charges on the balance transferred to my account, resulting in {$250.00} in interest. I have a credit score of over  XXXX  and earn enough to pay off the entire balance. I would n't have taken their offer if the marketing was clear and I knew they would make every attempt to postpone the processing of their balance transfer offer check.
The Equifax credit report is WRONG! My name is wrong, XXXX of the addresses is wrong ... Part of the report 's information is mine and the rest is someone else 's. I believe the Equifax mixed a portion of my information with a portion of another guys ' ... When I try to file dispute they keep telling me my information is wrong ... Of course it will be " wrong '' because they got my information wrong in the XXXX place. I have no other ways to dispute this but to file this complaint
XXXX XXXX XXXX DAMAGED MY CREDIT AND I NEVER HAD KNOWLEDGE OF THE DEBT.
My mother keeps receiving calls ( twice in XX/XX/XXXX and one at the end of XX/XX/XXXX ) from Malcolm S. Gerald and Associates regarding debt that has been paid in full more than 7 years ago. I have copies of my credit reports ( upon your request I will forward ) showing this debt has been paid, and there is no other delinquent debt in my name. I have also never received a debt validation statement or any kind of written communication proving I owe this debt after any of the phone calls.
My XXXX complaint is regarding the information reported on my credit report. In 2009 I received medical treatment at a hospital. The hospital failed to update my home address and never sent a bill to me. The original dispute is regarding not receiving a statement. Once I discovered this on my credit report I immediately contacted the hospital. They told me that by paying the balance they would remove it from my credit report. The company XXXX XXXX XXXX. has never removed it from my credit report. I filed a dispute with Transunion. I have XXXX complaints regarding my dispute. The XXXX complaint it required me to sign up to file a complaint because I needed a report number. You can not get a report number unless you have your credit report which is a monthly membership. I cancelled the membership after filing the complaint and then they still charged me for it. I believe this is deceptive. My XXXX complaint is they do not have enough space to explain the dispute. There response was simply verified. They did not speak to me or verify anything as I could not explain to them what happened. I had very good insurance at the time that typically paid all of my medical bills. The difference they claim never was sent to me. They also never contacted me and the doctor had my cell phone number along with the office. No one calls me but reports it on my credit. Then Transunion does nothing.
The National Recovery Agency ( XXXX ) been calling me every day since XX/XX/XXXX. ( could be longer ). 
This debt collector are trying to get fees that I didn't pay from XXXX XXXX. These are the dates that they gave me : 1. XX/XX/XXXX {$22.00} 2. XX/XX/XXXX {$22.00} ( same ) 3. XX/XX/XXXX {$32.00} and I have a XXXX XXXX account and I was NOT in the hospital on any of those dates. That's a scam. The NRA knows my birthdate and I believe they thought that I was too old to know the difference.
I am a victim of identity theft and I have several accounts listed on my Equifax credit report that are fraudulent accounts and do not belong to me. The following accounts are inaccurate and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # : XXXX XXXX XXXX # : XXXX XXXX # : XXXX XXXX XXXX XXXX # : XXXX XXXX # : XXXX of XXXX # : XXXX XXXX # : XXXX
This is regarding CONN CREDIT CORP Account No. XXXX listed in my Credit File with XXXX. XXXX XXXX XXXX is attempting to collect a debt on merchandise ( Electrolux Washer & Dryer ) returned next day after delivery. Therefore, this debt should have been cancelled null & voided. I have sent numerous certified letters to dispute this debt that came into light some six years later! XXXX XXXX XXXX delivered the said W/D that was on the Showroom Floor, not as a brand new " still in the box '' merchandise and then tried to commit fraud because the said merchandise was discontinued by Conn 's and was no longer carried into its ' inventory!
I settled a debt with a company called JH Portfolio Debt Equities on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. 

I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX  updated it correctly and quickly ( because it is a proper company ) ... XXXX   did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did XXXX ( which I did contact ). 

I called XXXX and spoke to a representative XXXX in XXXX ( a  supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first XXXX claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then XXXX stated that the letter head did not match the creditor 's name - I explained the creditor ( JH ) used an agency ( XXXX ) to collect the debt, and the creditor 's name ( JH ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from JH on my report and any mistake on their end is not my problem. 

XXXX 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. 

Thank you.
Spotloan was the lenders i went with. I had to close my bank account beacuase spotloan charged me on the XXXX and not on the XXXX as I was expecting. They took more money then I could afford and left me XXXX in my account. I had to change banks. I also recieved a call stating they were going to take the remaining balance on the loan.So that they were insured it was gon na be paid. I also closed my account based on that. I 'm on XXXX and they asked that when I signed up and my payments were almost XXXX dollars a payment. It 's surely a scam. Please help me! Having to change banks has messed up both my XXXX and my sons XXXX checks and now I 'm stressed out and scared please help me!! I had also setup {$100.00} payments with them and they took XXXX.
Recently XXXX and XXXX  has had a breech where thousands of consumers information got into the hands of others. I have been a victim of identity theft provides police report. Contacted Business to show proof I gave permission for them to pull my credit and still no response. I need these items removed from my credit immediately or either show proof that I requested. I did not authorize anyone to pull my credit.
XXXX has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

The Equitable Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXXXXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.
Chase sent me a letter saying they were closing my savings account and XXXX checking accounts. They gave me no reason and just said that either of us could terminate our relationship at any time. I suspect it was because I have had to wire funds overseas to pay for goods and services for a short term project, all of which I had contracts for. I spoke to the bank manager, who was aware of the project, and he intervened on my behalf but was unable to get any information or to get a reconsideration. A month after this I attempted to use XXXX of my credit cards and discovered they had been closed without warning. Seven to ten days later I received letters stating that the cards were closed because " an affiliate ended its banking relationship with me ''. More than a month later my business credit card account was closed. This card had reward points that I ended up losing due to expiration, a fact that was buried at the bottom of the 6th letter they sent me. I have always paid my credit cards in full every month and have done nothing illegal. I do not understand why all my accounts were closed.
I HAVE AN TAX LIEN THAT HAS BEEN PUT ON MY CREDIT ( XXXX/ EXPERAIN ) THATS NOT MINE ITS THE WRONG SPELLING OF NAME WRONG SS # ... ..ALSO A BANKRUPTCY THAT WAS DISMISSED IN 2008
XX/XX/2018 marks the anniversary of the successful completion of my loan modification with Nationstar aka Mr. Cooper. Part of the completion of the loan modification the on going late fees should have been removed and or not charged. They claim I owe {$740.00} in late fees however I disagree.
My name is XXXX. I keep getting calls from XXXX of TCS, phone number XXXX. The problem is this woman keeps calling me for a medical debt my daughter, XXXX has. My daughter does not live with me, and has n't since XX/XX/XXXX. Both myself, and my daughter have asked his woman REPEATEDLY to stop calling me. I work graveyard shift, and she wakes me up every time. She told my daughter the second time my daughter called that she completely removed my number from the file. I received another call yesterday, and I am fed up. This woman has threatened my daughter about ways to collect the money, and she has no business calling me. The only connection I have to my daughter 's car accident that this medical bill has come from, is that I had to watch my daughter in XXXX. Please do something about this woman.
I am a victim of a well document identity theft. The original creditor recognized the identity theft and the MULTIPLE previous debt collectors have recognized this as well and have ceased collection efforts and removed any negative reporting on my credit file. This debt collector bought this debt for pennys from a previous debt collector who acknowledged this debt was invalid due to it being tied to the identity theft. I have had to involve the CFPB for previous accounts opened in my name. I have attached a letter from my bank which details how the identity theft began as well as a letter from another debt collector regarding another account opened due to identity theft and their removal of the debt proving that the identity theft happened and this debt is not valid. This debt is not mine and is a result of identity theft.
This is a fraudulent account that I never applied for in my life. It was under my maiden name, there 's like a {$400.00} something balance owed.
I got repeated calls saying, " A complaint is being filed against you that requires your immediate attention ... '' They left this number to call : XXXX. 

When I called they informed me that XXXX was suing me for an unpaid bill of {$1000.00}. No such bill exists. However I did have a bill with XXXX that totaled {$160.00}, a different debt collector had it and it was paid off. 

There were XXXX people that I spoke to within this offic. I informed them that I believed it to be a scam and tried to request more information and XXXX of them transferred me and XXXX of them hung up on me. I finally got someone who gave me more information and he informed me that they could have received this bill by mistake but that I should still prove that it had been paid. The offer was to prove payment, handle it outside of court by paying them 60 % upfront or all of it through payments or being taken to court where I could fight it. 

Their website does not look completely real and they use a false address, that when searched on XXXX maps give a ups location.
Harris and Zide is aggressively attempting to collect on the debt that is not mine!!! I received several collection letters, threatening and offensive collections calls to myself, work and my parents house from this company stating they have a judgement and plan to garnish my wages or arrest me if I didn't pay them XXXX immediately via check by phone ... .I have written them letters asking to validate this debt as I don't recall ever having a judgement ... especially with XXXX XXXX XXXX with whom I don't have any accounts. Harris and Zide just keep sending me one letter after another ( see attached evidence ) that asks for payment in full stating they are collecting on behalf of XXXX XXXX XXXX. I did write to XXXX XXXX XXXX to the address Harris and Zide provided me for verification of this debt but address turns out to be FRAUDULENT AND LETTER WAS RETURNED UNDELIVERABLE ( see attached evidence.. ) I called XXXX fraud line for XXXX XXXX XXXXXXXX who could not find any accounts current or past due under my social # or address or name on file as Harris and Zide state , they also could not issue anything in writing because I'm not their existing or past client. I was advised by their investigation unit at XXXX  XXXX XXXX to file a complaint of Fraud collection practices and violation of F.D.C.P.A to you and to FTC which is what I'm doing today. Please help me stop this erroneous company from harassing me on the debt that is not mine
My complaint is against First National Bank Omaha. They have not sent me a statement in 3 months and have blocked my access to my online account. My username & password do not work & wo n't let me set up a new one. I have sent a payment, they claim they did not receive it. There was a {$500.00} credit to my account, and I can not find out if it is in my account or not because I ca n't see my account. they are pulling payments out of my account.
United Revenue Corp is reported as a collection debt on my credit report with XXXX. It shows date opened as XX/XX/XXXX and date closed as XX/XX/XXXX. Original Creditor is XXXX XXXX XXXX for a past due amount of {$630.00}. I am certain that this is not my bill. I also know for certain that I have not had any outstanding medical bills. I have had the same medical insurance since XX/XX/XXXX and use my flexible spending account in addition to my insurance to pay for any medical services. They have failed to contact me via phone or mail to provide me with any bills & contracts for this alleged debt. I have made numerous calls to them at XXXX along with the credit bureau and have made no progress.
Q DATA INTERNATIONAL IN, XXXX XXXX, 2013, {$1000.00}, I 've requested documentation of the debt, received no contact info and its damaging my credit
Debt Collector continues to report, twice, a debt which has been paid to the original creditor.