WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX The manager there has continued to call me and my friends and family, even ones she has never been authorized to after being repeatedly told by myself and them to stop, she has even called from different numbers when blocked and calling my work place multiple times after also being asked more than politely many times to cease any and all contact and that I would like to deal with another branch or corporate to deal with payments on my XX/XX/2018 loan. She has made it into some personal vendetta as if the money came from her personally and not the company she works for. I am 8 months pregnant and it is causing me a severe amount of stress and calls are often early or late and it is hard enough to sleep anymore as is. I have even considered filing harassment charges on the manager herself at the local police. I do not know what else to do she is fixated, I switched jobs from working at a XXXX  where she was never supposed to be able to call through to me while on post for safety reasons but still did, to a XXXX XXXX  and she was calling my new work place before I said to anyone or anywhere publicly I was working there. I had been there just a couple days. It is very frightening how she got that information I have no idea. It is unprofessional and vindictive.
I am a self-employed American citizen who has been living abroad for 26 years. I have owned properties in the XXXX, XXXX and XXXX and have good credit ( took a mortgage for 19 years ). I now plan to move XXXX and pursue my work there. I applied for an XXXX XXXX XXXX/Citibank card but was denied the card because I have no credit history. They also refused to allow my sister ( who has good credit ) to cosign on a card. I tried then to get a simple credit card from XXXX ( where I have maintained a checking account for many years ). They also denied me a credit card. This is simply unacceptable that I am not being given a chance to start my life with simple financial products as a healthy XXXX year old. Because of this bad credit score, it is making it difficult to even take a lease on a property without a guarantor or full payment upfront.
XXXX XXXX XXXX XXXX turned me down for a loan saying that I owed XXXX XXXX XXXX   {$150.00} dollars but checked after I had paid off my truck and they said I never owed them any money. Please I have paper work saying I dont owe them anything
Without my authorization CBCInnovis made a hard inquiry that i believe is a violation. CBCInnovis is a company I do not recognize. I called the company and after a run around, XXXX XXXX told me that they would investigate the inquiry to provide proof of my authorization.. They then mailed the investigation report that included a unsigned loan application and unsigned authorization to release information claiming this my authorization. It is not it. I called XXXX again and call was unpleasent. Now CBCInnovis say they are just the middle company providing a service to a bank and that I should call the bank. CBCInnovis business practice and information control are seriously flawed and need to be corrected to protect consumers Details Hard Inquiry Dated XXXX XXXX, XXXX CBCInnovis 1st Call  about XXXX XXXX, XXXX Mail recieved XXXX 2nd call XXXX XXXX
My business with Consumer Financial services was for a car loan. The car was totaled. I contacted  CFS  to inform them not to take the next payment because the car was totaled and that my insurance company will be in contact with them. The insurance company contacted them and informed them of the same information I provided. They were also, given a claim #. Within in the next day or so they withdrew money from my account after I asked them not to because the vehicle was going to be paid off. A few days later, I go into the establishment to pay off the lo an  XX/2016 . I as ked how much and wrote a check on the spot. Balance became {$0.00} received a receipt to prove the balance was {$0.00} A few days later I was told that I still owe an amount. I was dumb founded because I paid them the amount they told me I was paid in full. Fast forwa rd  XX/2016  CF  S w as calling me non-stop everyday all day for about a month about money they claim I still owe them. They attempted to take money out of my account again without my knowledge or consent. Recently, CFS have also, ran my credit again without my knowledge or consent. The call and harass references and tell them my personal information on a car loan was clearly paid off.
I fell behind on my payments due to financial reasons and have not been able to catch up until recently. Ocwen never reached out to me to offer me help or assistance. I do recall reaching out to them and being told there was nothing I could do that they would be proceeding with the sale. After speaking with some friends and attorneys, I realize that this is not right nor fair. The Homeowner Bill of Rights state that the lender should be assisting me throughout this process and helping me find alternatives to foreclosure. I have never been assigned a point of contact and I have never been offered help.
I would like to report an unfair Business Practice. Every month Premier Acceptance XXXX XXXX XXXX XXXX XXXX IN XXXX call me on a daily basis while I am within my grace period concerning my car payment. I have had this loan for 2 years now and for the vast majority of my loan I have always paid on time or within the 10 days grace period. My car payment is due on the XXXX of each month and I was told that I have a 10 day grace period with which I utilize but I always pay my car payment on or before the XXXX of the month. I wrote a request on my XX/XX/XXXX car payment advising I would be making my payment within my grace period and I would appreciate if they stop calling me while I am within my grace period. But they continue to call daily while I am within my grace period Harassing me about a car payment and they also call my daughter who is also on the loan. I called today XX/XX/19 and spoke with XXXX to try and resolve this issue but he advised me they will continue to operate in the same manner and call me within my grace period. I asked him why do you even give a grace period if you're going to call and bug the customer about a car payment and not even allow them the time you have given them to make a payment first? He did not have an answer. I think this is a bad business practice and if you look at the reviews on there website you will see several complaints from Customers.
The company is calling for a person who doesn't live here and is not associated with my number in any way.
IN XXXX I GOT A XXXX MOTGAGE WITH XXXX WHICH WAS SOLD TO SHELLPOINT. I PAID IT OFF XX/XX/2015. I RECENTLY TRIED TO REFINANCE AND THE LAWYER FOUND THE DEED OF TRUST WAS NOT RELEASED PROPERLY AS IT WAS RELEASED BY XXXX WITH NO POWER OF ATTORNEY FOR XXXX TO RELEASE THE DEED. NUMEROUS PHONE CALLS BY MYSELF AND THE LAWYER HAVE NOT BEEN ABLE TO RESOLVE THE ISSUE.
A mortgage person at Guild Mortgage advised us that our credit was perfect, our income was perfect, all we had to do was sell our home and we 'd be set to purchase the new home. The new home was a converted school house zoned " Rural Residential ''. We 've sold our home in XXXX, was advised we 'd close in XXXX, however after we were coerced into paying {$3200.00} for a " commercial ' appraisal, which shows the value to be above asking, we were advised that underwriting did n't accept our collateral. No reasons why, no further communication, nothing. I 've called their corporate office, spoke with senior managers etc. My wife and I have been paying {$4800.00} per month to live in a hotel since XXXX XXXX, 2015. We 've received XXXX customer service from Guild. We want to be reimbursed for the {$3200.00} appraisal, and {$4800.00} x the two months we 've been living in the hotel, under the guise that everything was okay and were going to be able to purchase the property.
I got a phone call from my brother stating Atlantic Recovery Solution was trying to contact me. I called the number he was provided ( XXXX ) XXXX, When calling the agency I was transfer a gentlemen named XXXX XXXX came on the phone asking if I was XXXX XXXX. Advised yes he asked to verify the last four of my social, I asked who the company was and the client they where representing. The associate XXXX XXXX advised I would need to verify first, I advised I did not feel comfortable giving out personal information over the phone. He advised it didn't matter cause he has all my personal information and read my complete social security number over the phone and asked now can you please verify. I advised that was a violation of my secured information to be reading my full social security out over a non secured phone line without even knowing who I am. XXXX advised he could give out any of my information he chose. I asked to speak with a supervisor. Was transferred to XXXX XXXX, XXXX advised he would look into the matter further. This phone call happened on XX/XX/2018 at XXXX XXXX time. 

This was a huge violation of my personal information and I feel I am now at risk having a company with my information willing to give out any of personal data to whoever they please I also have the recorded phone call of this incident
I have disputed the account several times with Equifax. The account was deleted but some how placed back and I was not notified that it would be placed back onto my credit file. I understand by law that I should have had a five day notice that this would be placed back but it was deleted for fraud so it needs to be removed
have recently obtained a copy of my credit file and there is big mistake in my report : XXXX Account # XXXX : Unverified account XXXX # XXXX : Unverified account XXXX Account # XXXX : Unverified account CREDIT UNION LOAN SOUR # XXXX : Unverified account XXXX XXXX # XXXX : Unverified account XXXXT Account # XXXX : Unverified account XXXX XXXX XXXX Account # XXXX : Unverified account
it appears that these debt collectors are have my name mix with someone else as the same as mine and now they coming at me saying i had this account in 2013 it appears to be bogus.
Complaint Type : Billing or Collection Issues Collection Company : Financial Corporation of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Business Phone Number : ( XXXX ) XXXX Problem : This a SCAM & Un-Verified attempt to Steal Money not Due a Crooked Collection Agency. I have received a collection notice ( # XXXX, internal number to FCA ) for a Hospitalization from an Accident that has been paid in full approx 1 year ago! This was Verified through XXXX & my Attorney!!! This Organization is a LIAR Thank you for this avenue to express and report. However, our SYSTEM Is BROKE!! Good People are allowed to be Harassed by Criminals and failed efforts to VERIFY TRUTH! " The Good thing About the TRUTH, You Never have to Explain It '' Product/Service Purchased : FAKE Collection Purchase Date : XX/XX/XXXX Date Problem First Occurred : XX/XX/XXXX Dates you complained to the company/organization First Date : XX/XX/XXXX Payment Made : No Original Debt : ( PAID in FULL ) XX/XX/XXXX XXXX XXXX Hospital XXXX, GA XXXX
My mortgage is due the XXXX of each month as usual. However, by the XXXX day I began receiving phone calls daily at work and on my cell phone concerning the " delinquent '' payment. The mortgage was paid by the XXXX and I asked them not to call me during the grace period. I was told there is no grace period as the loan is due on the XXXX of each month. I requested they did not call me repeatedly any more until the mortgage was assessed a late fee or actually reported to the credit bureau.
I sent a written demand to add a consumer statement per the erroneous XXXX account appearing as a collection on my report. I also called to verify receipt of my written correspondence on XXXX XXXX, 2015, at which time they advised they would add my consumer statement via dictation over the phone that day. I was given XXXX as a confirmation for that request. When calling on XXXX XXXX, 2015 to inquire why I had n't received a copy of my updated credit report reflecting the addition of my consumer statement, Equifax advised that the request was never properly processed. The rep claimed that she spoke to the Specialty Department who would add my consumer statement within XXXX hours, but that her system failed when trying to give me a confirmation number. Said XXXX XXXX who is the ONLY XXXX in Consumer Relations, who claims to have no direct line for contact nor any ID # claims that he can not 'guarantee ' to process my request and follow up with me to confirm that the consumer statement has been added. 
Also, I have made well over XXXX demands to remove the fraud alert, albeit temporary or extended, from my credit report. Equifax has repeatedly claimed that the fraud alert was removed. See attached credit report dated XXXX XXXX, 2015 which displays an 'Extended Fraud Alert ' and conspicuously so.
I opened a Citigold account in XX/XX/XXXX with an offer to earn XXXX ThankYou Points with promo code XXXX. 

I 've received confirmation that I have met the requirements which are : 1. Open a new Regular Checking account in an eligible account package by XXXX/XXXX/16. 
2. Then, within 60 days after the new account is opened, complete one qualifying bill payment each month for two consecutive months. 

I have fulfilled these requirements by : 1 bill pay on XXXX XXXX 1 bill pay on XXXX XXXX As of today, XXXX XXXX, 2016, I have yet to receive my bonus.
Dear CFPB : My client is selling his home in a short sale. The bank accepted an offer of {$130000.00} they wanted a net proceeds to them at {$120000.00} and they wanted an additional contribution from the seller of {$15000.00} which he could not pay. The buyer was willing to pay the sums under the contract plus the {$15000.00}. The bank refuses to accept the offer even though they will be made hold. The seller is going to have to pay moving expenses to relocate and pay rents and other bills. He does n't have the means to pay the {$15000.00}.
I believe I was a victim of the Equifax hack and have had my personal information stolen sometime between XX/XX/XXXX and XX/XX/XXXX. I am closely monitoring my accounts for suspicious activity. I have placed a 90 day fraud alert on my files as of XX/XX/XXXX. Currently, I suspect a line of credit from XXXX XXXX for {$10000.00} to be opened under my name falsely.
hello I was checking my credit report through CreditKarama.com and I saw a hard inquiry from a source that I do not recognize, and the report gave me the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and that was XXXX XX/XX/2018XX/XX/2018
I received a letter from Shellpoint Mortgage Servicing informing me that my previous mortgage lender sold my mortgage to " XXXX XXXX, XXXX '' in XXXX Maryland and that XXXX XXXX has hired Shellpoint to service the loan. There is no working phone number for either. I called the number on the letter and it just rings for a long time and then stops. I've tried multiple times. I tried to contact XXXX XXXX but it goes straight to a voicemail, no return call. How is it possible to have literally no way at all to contact someone for help?
I purchased a XXXX XXXX from a XXXX car lot in XXXX, CA the creditor is GM Financial. The financing department as part of their sales pitch helped me to set up a reoccurring auto payment from my checking account before driving off the lot with my new car. All my payments have been on time and Ive never had an issue until XX/XX/XXXX when I realized that my payment hadnt been processed like normal. When I called GM they told me it was cancelled and that the system cancelled the auto pay based off of a date put in by the salesperson. I was never given anything in writing about my auto pay being cancelled after a certain amount of time nor was I sent any mail, email correspondence and I never received a call or talked to anyone from GM. I called and re-initiated my auto pay with GMs help after finding out I was late due to this error that I should be held responsible for. Ive talked to CS Reps and Supervisors as of XXXX on a XX/XX/XXXX and back in XX/XX/XXXX and no one will help me. They said its my fault I have a negative rating on my credit report. Im in the middle of buying a house and that dropped my score almost 30 points. Ive never had any late accounts on my credit until this happened and it hurt me because Im in the middle of an escrow. I need GM to remove this negative rating and ASAP! Ive been a loyal good paying customer never late and this is how Im treated when it wasnt my fault but the fault of a GM representative. I have contacted the credit bureaus to dispute but havent heard back and GM wont help me either. I need this fixed ASAP!
This is in regards to Portfolio Recovery Associates. They started calling me XXXX years ago about a debt I had never heard of before, claiming it was from XX/XX/XXXX or XX/XX/XXXX, or somewhere around there. I told them I never had a credit card with the company they said was the original creditor ... so they said, it used to be another bank ... and I had still never had a card with that company. I asked them to send me something showing what this was actually for and they refused, said they could n't. When the next person called I said the same thing ... send me some paperwork because I do n't owe anything to this company. This person said I would have to submit in writing and they would send me a form, which I never received. Months later another woman calls and again refuses to send me anything, saying they have nothing they can show me, but is demanding my bank account number over the phone to pay them off. I asked her if she would give her bank account number to some random person that called and claimed she owed them money. She was yelling at me and I finally hung up on her. This same woman continued calling me for months being very rude and arguing with me. I stopped answering the phone eventually. Then I did n't hear from anyone for a couple of years. Then I started getting calls again from all different numbers, which I now never answer. They call a few times every couple of months and this is frustrating ... I do n't want to receive these calls forever.
I had a bank of America account, and they decided to close my account without notice. I called to let them know that those charges, and fees were not mine or authorized and they proceeded not to help me. Since, my account has been sent collections, and i lost funds that were taken from me. This happened a couple months ago, but i have not gotten around to it till now, because I lost my job, and my father this year alone. I been going through the hardest times of my life, and now this and the bank cant help me. I been a customer with bank of America since 2006. I wish these banks had better interest in their customers and their needs. Money is evil, and i work hard and live day by day to get by. I just want the bank to fix this and reopen my account and refund me the money taken. I love the Bank Of America family and would love to stay in it.
Webster bank debt collector harrassment Its not only hurting your credit, in about 2 weeks the loan is being forwarded to an outside attorney for further collection. 
That means they could sue you on the note, garnish any job wages, put a lien on property etc. 
I just wanted you to know what was going on with it. 
In order to stop this, one payment, the XXXX/XXXX/XXXX payment would need to be made by end of business of XXXX/XXXX/XXXX. 
Thanks,
I have received multiple calls from High Point Asset at XXXX. 
They claim that I must respond to an important civil matter or they will " forward my file to litigation. '' I dealt with this last year during tax time and asked for verification of debt, which they never provided. Now they are calling me again. I have not spoken with them to review this debt, as I know it is not mine and I am afraid they are trying to get additional information out of me.
creditor decreased my credit limit from XXXX to XXXX witch affected my credit score and my credit went from very good to goo i tried contacting creditor and they told me it was because i had not used my credit card acct. CBNA XXXX XXXX XXXX XXXX XXXX, XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX
I bank at Key bank. I have a checking account. The branch I signed up at is the XXXX XXXX XXXX branch in XXXX XXXX, VT. 
After freezing my account for a short time from around XX/XX/XXXX to XXXX, to investigate fraud, they contacted me and told me they were closing my account. I had deposited checks in good faith, that bounced. When I found out the checks bounced and my account was in the negative, I deposited money over the next 2 days to bring it back in the positive. Obviously this did not satisfy the bank, hence the ensuing freezing of my account and ultimate closing of it by the bank. 
While I am not happy about this, nor do I think it is fair and just, this is not really my big issue. My wife died XX/XX/XXXX, and she left behind our XXXX young girls. They are presently XXXX and XXXX. XXXX. We get SSI benefits because my wife died. I am their sole care provider and do not work due largely to focusing my time in raising them, I am XXXX years old. 
The social security payments arrive electronically in this account the second Wednesday of every month. I asked the bank to keep the account open until XX/XX/XXXX, XX/XX/2016, so I could receive the money from social security. I need it. My children and I live on this money. They refused. Now who knows when I will receive this money from social security. It may be another month. I do n't know. I am in New York right now and will be going to down to my local social security office next Monday when I get back to inform them of the change. But until then, I am anxious about my children 's welfare regarding finances and food. 
XXXX XXXX.
on XX/XX/XXXX, Trinity Financial Svcs LLC, a foreign company registered in XX/XX/XXXX, is acting as the Trustee for XXXX XXXX XXXX XXXX, a company that was taken over by XXXX. This was part of the XXXX XXXX XXXX award in XXXX. The DOJ XXXX XXXX and other banks. There was a 2nd mortgage that should have been extinguished through the modification process award from the judgment and settlement. 
XXXX XXXX XXXX  did not complete the process. They needed to release the lien through the modification that was approved on the first trust deed. The first and the second trust deed were from the same investor. It was a package deal to purchase the property. 
When the XXXX XXXX XXXX was award, the loss mitigation department from XXXX needed to correct and fix the mortgages if the consumer qualified. After applying, XXXX approved the modification as the property was approved to be included as part of the compensation awarded. When I got notified that everything was completed and I didn't need to worry on the 2nd because it was included in the Chapter 7 bankruptcy and it was settled, it didn't occurred to me to follow up on everything to make sure there was no mistakes on the modification. My Trust was in XXXX to get the job done. There was a special circumstances under the XXXX XXXX XXXX from XXXX to extinguish these 2nd mortgages. If the consumer filed a chapter 7 or chapter 13 Bankruptcy the lien was to be extinguished. It was a special program to assist the homeowner and fix the mortgages. When my modification was done, they said I didn't need to worry about anything and my mortgage was correct and fixed. Well it was not because it open the opportunity for a company like Trinity Financial to try and collect money they are not entitle too. They are trying to foreclosure on my property that was declared as a qualifying property under the XXXX XXXX XXXX. They are collecting on a debt that they are not entitle to do so. The Assignment of deeds might be a fraud document that was generated under false circumstances.