WillisBack/dataset-financial-user-claim huggingface dataset:
On  X/XX/2017    a recording called my working stating that if this was not ' XXXX   XXXX  to please hang up the phone, as this was in regards to a civil matter on a recorded line regarding case #. '' They company name was   XXXX  or Chaplin    Collection   services ... They have called my work numerous times in attempt to collect on a fraudulent payday loan from  XXXX  fund, which  1. I h ave paid in full numerous times, and  2.   XXXX   XXXX  was in a lawsuit for fraud. I would like them to stop calling and harassing me at work, or to provide actual proof of the claim. Instead they are using aggressive techniques to collect on a debt that i do not owe. called from  XXXX  and said to return call there
I closed out my XXXX XXXX account in XXXX and I forgot to return the equipment back to XXXX in XXXX. I came to the XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) on XX/XX/XXXX to return the modem back to XXXX. The XXXX returned it on XX/XX/XXXX. However, XXXX and collection company stated that they have not received the item that I returned. I called XXXX more than 10 times and they were positive that the item was returned, and XXXX received it. 
XXXX  and collection company have placed a collection in my credit report just in XX/XX/XXXX. This is wrong because I have returned the modem as promised. The XXXX employee at this location can verify that he returned the equipment back to XXXX
Previously filed a complaint and requested a debt validation- it has been 30 days and the company has yet to be able to validate the debt.

Per 809. Validation of debts ( 15 USC 1692g ) the company is in violation. Please delete from all 3 credit bureaus immediately.
Basically my personal information such as my credit history, account numbers and more importantly my social security number has been compromised. 
I have already set a credit freeze for any future credit cards that could be opened and I also have enrolled or will enroll on my enrollment date with equafax.
Wells Fargo foreclosure fraud, No Standing to Foreclousure 1 ) XXXX XXXX Could not have effectively transferred assets after the date of XXXX XXXX 's Bankruptcy filing and after a bankruptcy court approved liquidation plan onXX/XX/XXXX and assignment of my mortgage between XXXX XXXX XXXX XXXX To XXXX XXXX  was dated XX/XX/XXXX. ( By XXXX XXXX office by Robo -signing and his document-processing firm XXXX XXXXXXXX XXXX ). ( Has not provided proof of authorization by bankruptcy court ) 2 ) .Second item of fraud, The Power of attorney which is between XXXX XXXX and Wells Fargo XXXX XXXX XXXX is not stated in the " Limited Power of Attorney ''. Note Wells Fargo Can '' t be the Attorney-in-fact for XXXX XXXX XXXX XXXX ( Robo-Signing ). Which is violated New York State Power Attorney law.it is suppose to say " XXXX XXXX XXXX  XXXX, by wells Fargo N.A as attorney-in-fact ).
I was contacted by an employee who works in payroll for my company. She asked if I authorized XXXX from XXXX XXXX to garnish my wages. I responded that I certainly did not authorize this and that XXXX XXXX definitely did not have a court order authorizing wage garnishment. I asked for a copy of the paperwork and she forwarded it to me. I 've attached a copy of the " Wage Assignment Demand Notice. '' I 've placed " XXXX '' in place of my name and personal information along with the name and address of the company I work for. I can provide a copy of the unedited wage garnishment if requested along with the email from the Human Resources professional in my company who originally received this notice. Thankfully, my payroll department did not process this notice but I 'm concerned that other companies with less experienced payroll processing may have fallen for this illegal tactic. 

I am still considering my legal options here as this appears to be a very clear violation of the Fair Debt Collections Practices Act. I suspect this is a common tactic with this creditor as a quick XXXX search reveals many other people who have fallen victim to this.
I have been a loyal customer with Capital One for a total of 7 years now. 

In the past year I tried increasing my credit limit both over the phone and online I have call several times around 30 or 40 times in total in the past year and this year so far explaining to customer service reps and manager that I have perfect on time payment history as well as low utilization on my account and that Capital One has denied my request over and over again saying that the account is not eligible for a credit line increase. 
It has been a year since there has been a credit line increase in the account. 

I want it to be taking into consideration not only that I have been a loyal customer with Capital One but also that I have perfect on time history and low utilization in the account and I wish more than anything as a loyal paying customer to received my credit line increase.
I recently received a letter dated XXXX XXXX, 2015 from " REAL TIME RESOLUTIONS, INC ''. The letter states I owe a debt of {$3200.00}. The letter states the creditor is XXXX XXXX XXXX. 

On XXXX XXXX, 2015 I sent a certified letter to REAL TIME RESOLUTIONS, INC informing them I have no loan agreements with XXXX XXXX XXXX and I do not have a loan debt in the amount of {$3200.00}. I requested any future contact regarding this matter be in writing. 

A XXXX search reveals both companies are supposedly owned by a man named XXXX XXXX XXXX. I have not had any direct business dealings with this person.
I have been working to obtain a home equity loan with Discover Home Equity since late XXXX of this year. The process has been horrible from the start, but what really tipped the scales was on XX/XX/XXXX. I received an email from the " loan processor '' XXXX XXXX NMLS ID XXXX. In and of itself this was not unusual, but when I read the email I found that it had a salutation to a " Ms. XXXX '' and included creditors and debt amounts that were not mine. I quickly 'replied all ' and advised that the information was not mine, but was never acknowledged. 

Emails go unanswered, voicemails go unreturned ... 

I DID call in today and advise Discover to cancel/withdraw my application due to their unprofessionalism and inability to secure financial information.
In our XXXX end-of-year escrow statement, SLS told us that we had a shortage in our impounded funds ( due to reassessed property tax ), and told us what our new payment would be. On XXXX XXXX, XXXX, SLS acknowledged receipt of a letter from us disputing the amount being demanded and offering an alternative payment plan. On XXXX XXXX, XXXX, SLS sent us a letter turning down our alternative plan and demanding the original amount. 
While this payment amount was in dispute, we made our XXXX XXXX payment on XXXX XXXX, XXXX. We paid {$2700.00}, which was not the new amount SLS told us to pay, but was more than enough to cover our principal and interest due for XXXX XXXX, as well as an increased amount for our escrow account. 
However, SLS did not apply the funds we sent to our account. Instead of paying first the interest, then the principal and then putting whatever was left into the escrow account -- which SLS holds as a service to us -- the entire amount was put into " unidentified funds unapplied. '' This, in turn, made it look as if we had not made our XXXX payment -- although again I emphasize that there was more than enough to cover our principal and interest -- and we were charged a late fee, which I paid. 
I have been a homeowner since XXXX XXXX, and I have never once had a late payment. My husband owned a home for four years and never once had a late payment. NEVER. 
And we did n't make this payment late, either. The issue is the order in which the funds were applied. 
When our loan was first transferred to SLS, in XXXX XXXX, both our old mortgage company and our new company paid our homeowners insurance. XXXX sent me a refund check for the second payment, and I sent it to SLS to be reapplied to our escrow account. It took three months and numerous phone calls to get that simple thing done correctly.
BEING SUED IN SMALL CLAIMS BY XXXX, UPON CALLING THEM TO VERIFY THE DEB, THEY SAID IT WAS WITH AN ATTORNEY AND THEY COULD NOT PROVIDE ANY INFO. HOWEVER THEY WERE ABLE TO VERIFY THAT THEY ARE A DEBT BUYER AND NOT THE ORIGINAL CREDITOR. THEY GAVE ME THE ATTORNEY 'S INFO. UPON CONTACTING THE ATTORNEY ON FILE THEY SAID THEY WERE REPRESENTING LENDING CLUB WHICH IS NOT THE FACT! AND IN FACT THEY ARE REPRESENTING VELOCITY INVESTMENTS ( WHICH IS ON THE XXXX WEB SITE NOT LENDING CLUB ) SINCE THEY BOUGHT THE DEBT AND ARE NOT ACTING AS AN ASSIGNEE OR EVEN SUBROGEE THEY JUST BOUGHT THE DEBT. THE ATTORNEY 'S REP IS SAYING THEY ARE REPRESENTING LENDING CLUB..AS I UNDER STAND " Holding unintentional misrepresentation of debt collector 's legal status violated FDCPA '' XXXX
An unauthori zed Personal Line of Credit was opened by Wells Fargo. The y were contacted, admitted fault over phone, closed account, and opened another unauthorized line of credit. It is char ging 8 percen t interest and deducts {$65.00} out of my account automatically without authorization.   They have been contacted over the phone and in writing but will not resolve the problem.
My current situation started in XX/XX/XXXX when I was layed off from XXXX XXXX XXXX ; a job of 2 years. I approached TCF the following XX/XX/XXXX and discussed possible options for a mortgage modification. At the time my monthly payments were {$1000.00} per month and TCF agreed to a year long temporary modification of {$650.00} a month. In XX/XX/XXXX, after my monthly payments had returned to the original {$1000.00} per month that I again approached TCF on the possibilities of a permanent modification. TCF requested that I submit the required forms which I did the next month. I did not hear back from TCF all XXXX and into XX/XX/XXXX despite numerous attempts on my part during this time. It was at this time ( XX/XX/XXXX ) that I decided to cease monthly payments to TCF in the hopes of " lighting a fire under their feet '' I was contacted by TCF in XX/XX/XXXX and offered a " trial '' modification of {$950.00} per month ( with a 3 month phase in period ) which I accepted due to my desire to work with TCF. I made the XX/XX/XXXX and the XX/XX/XXXX payments but due to my employment situation at that time I was not able to make the XX/XX/XXXX payment. I resumed employment XX/XX/XXXX and contacted TCF the following month seeking to address this issue. At this time ( XXXX XX/XX/XXXX ) I was informed that TCF would resume accepting payment if I would remit 2 payments of {$1000.00} for XX/XX/XXXX and then {$1000.00} a month there after. I agreed to this because, once again I want to stress that I wanted to work with TCF. The 2 payments of {$1000.00} in XX/XX/XXXX and {$1000.00} singular monthly payments were electronically withdrawn via phone call voice authorization from my Mother 's TCF account due to the fact that my TCF account of 26 years had been shut down due to identity theft in XX/XX/XXXX. I had made payments for XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I attempted to make my XXXX XX/XX/XXXX payment I was informed that XXXX was no longer accepting payment from me and had begun the foreclosure process. I made one last attempt at modifying my mortgage starting in XXXX XXXX. After supplying again requested paperwork my " hardship modification '' was denied in XXXX XX/XX/XXXX. The following month XXXX XXXX XXXX ) I received in the mail a solicitation from a company that had agreed to assume my mortgage and modify my monthly payment down to {$550.00}. per month. This company needed TCF 's permission to proceed with the assumption process but after providing the new company with several phone number contacts to TCF 's mortgage office and numerous attempts by myself and the new mortgage company to establish a dialog. These efforts proved utterly futile and lead me to my honest belief that TCF was " stonewalling '' any attempts to rectify my situation to save my home and that TCF had most definitely developed a hostile and aggressive attitude and posture towards me
I was a customer from American Express since XXXX when I was selected to become a cardholder of a green card American Espress ; I started using the card during XXXX and unfortunately due to an economical issues I overdraft the card, after XX/XX/XXXX I stared get in contact with all the banks I had issues with to try to make an arrangement in my payments, but this credit card did not want to send me a statement, did not provide me my whole account number either replace my plastic ( I moved at the end of XXXX and lost some of my belongings during that procedure ), when I let them know what happened they denied me all my banking information and finally received a statement ( which I requested ) with the amount of XXXX dollars which I paid with a check and sent them by XX/XX/XXXX and by XX/XX/XXXX I received and email from AMEX saying they had received my payment, after that I called and cancelled my credit card and even wrote a lletter to them saying that I did not want to have any business with them anymore in order that my experience with them was just simply terrible. Now 2 years later I received a phone call from AMEX claiming a payment of the amont mentioned avobe and the representative asked me when I was willing to pay them the amount that I still owe them.
I have yet to find anyone to help me at Bank of America. I am getting the run-around from Bank of America employees and staff. A Bank of America rep has told me on multiple occasions that my fraud dispute is being investigated to no truthful answers. I was told by an employee of Bank of America to escalate the matter by calling the police. The police then told me that it was a postal inspector matter. The postal inspector 's office then told me it was a police matter. So here I am. I basically, opened a secured credit master card through Bank of America - and before I even received the card, {$1000.00} dollars had been spent without my even receiving the card. I reported the situation to B of A 's fraud department and that is where the runaround began. 
Please Help.
I tried to pull my Equifax report at annualcreditreport.com. went thru the entire process to and then was kicked off the system. I went back in to try again and it told me I already pulled one as of todays date and cant get another for 365 days. There is no person to talk to at annualcreditreport.com and no one would help me at Equifax. they just referred me back to annual credit report.com 's XXXX # where you cant talk to anyone and said its just what it says I have to do. Horrible waste of time
Over the years I have struggled to make mortgage payments as my husband died XXXX 2 years after initiating the loan. Thankfully, I am now making my payments timely. However, over the years when I spoke with customer service representatives of Greentree, I was transferred to other extensions/representatives numerous times and was forced to reiterate over and over my situation and what I was requesting. Greentree would assign someone to me and then before I knew, that representative was reassigned and I would have to start all over. Several times customer representatives were rude and unprofessional. One even said to me that I needed to realize that I could n't afford to make these payments and that I should just let them foreclose. Greentree Servicing 's representatives humiliated me numerous times over the life of this loan. Several years ago, I submitted all the necessary information and documentation to Greentree requesting a reduction in my interest rate ( currently 9 % ), and was denied, without an explanation.
ON XXXX/XXXX/XXXX, a complaint was filed with this agency regarding Experian Information service and its inability to verify a XXXX XXXX XXXX account on my credit report maintained by them under my social security number ( XXXX ). Experian continues to violate FCRA 611 ( 15 U.S.C. 1681I ) ( 5 )  Treatment of Inaccurate or Unverifiable Information ; I been unable for two years and an expired statue of limitations, been unable to verify a XXXX XXXX XXXX account for and FCRA section 611 ( a ) ( 7 ) Description of reinvestigation procedure. Experian continues to not provide a valid method of verification. On XXXX XXXX, XXXX, I received a copy of a credit report maintained by Experian Information Services under my social security number, with a paragraph that states, Outcome : Updated - information on this item has been updated. Please review your report for the details. Visit experian.com/status to check the status of your pending disputes at any time. Attempts to check this status fails. ( See Attachment ).
I have several Student Loans. I consolidated and then other companies purchased the Student Loans and the incorrect balances carried over from XXXX to XXXX to XXXX XXXX and now Navient. I made a payment of {$25000.00} in 2007 and now this payment does not show it was a credit to my Student Loan. Either the Balance was not credited or the new Student Loan company carried over the incorrect balance.
In XXXX XXXX I bought a house and made a mortgage agreement with XXXX XXXX XXXX Ever since I made a recurring payment instruction to my XXXX XXXX XXXX against the monthly mortgage amount. The payment was done smoothly every month with no problem. In XX/XX/XXXX The loan has been transferred from XXXX XXXX XXXX to XXXX XXXX. They advised us while we were on our vacation overseas. Our monthly payment continued to go to XXXX XXXX XXXX which they supposed to transfered back to PennyMac during the transition period. XXXX XXXX XXXX  already did that but XXXX did not reconcile the account immediately and took some time to do so. When we got notified with the problem on our return, we made extra payment and sorted the problem. We have asked PennyMac to draw their complain about late payment from our side. We have proven to them that money has been transferred from our bank in regular base and it is not our problem. PennyMac agreed and supposed to fix their claim against late payment from our side. Apparently PennyMac did not withdraw the complain from their side. hence the credit report has been negatively affected without any legitimate cause.
I am disputing hard inquires on my credit report because this is fraud and does not belong to me. XXXX
I applied for an advance in my employment. When i received the information, my name appeared with a name I have never used. And the use of my name was incomplete on this portion of the report. I have a good idea who is behind this problem. I would like for this information to be considered for fraud. Please contact me for more information at XXXX. 
Just want this expunged so I can proceed with my life, and advance in my current employment. The report was run on XX/XX/2018 Thank you for your time in this matter XXXX XXXX XXXX
I have personally been affected by several data breaches. I have found serval fraudulent accounts on my report and I am requesting the are removed immediately.
The debt is in amount {$840.00} that I did not personally use or have the access to this account. The date that it was field for XX/XX/18 to credit collection services. My mother has a joint account that was being used at XXXX and has made arrangement to pay the above balance of {$840.00} in monthly payment. I wasn't aware that the above balance was due until I was called repeated times from someone from XXXX XXXX XXXX to get a debt that wasn't mine.
Around 2005 I received a call from Cedar Financial XXXX I 'm not sure if they were called that in 2005 XXXX, who identified themselves as a debt collector who somehow thinks I owe them money. I believe at the time they said it was for an unpaid hospital bill. They have not provided any documentation nor explained how they think I am the person who owes them. 

Years ago this company tried to put the debt on my credit report, but I requested the XXXX bureaus to inquiry into the debt and all three removed it. 

They have continued to periodically call, for a decade, even though I have asked them to stop calling. 

This morning they called my elderly parents, did not identify the company they worked for, behaved inappropriately, and asked them invasive questions. I know it was them because they left a message on my voicemail around the same time.
Experian is in violation of FCRA 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ). They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They merely are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. This is my final attempt before I am forced to pursue litigation in my local circuit court. I have provided Experian a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. This is my final amicable attempt to resolve these inaccuracies.
I received a pre-legal notification letter from XXXX XXXX XXXX on XXXX XXXX, XXXX. I owe a jcpenny credit card debt of {$730.00}. I called to ask them for a lower settlement amount. On their website, I saw that it could be settled for {$300.00}. The person I spoke with told me, " there are no deals. I can put you on hold but we do n't make deals ''. I asked her why the website says there are settlement amounts. I told her I ca n't afford {$300.00}. I lost my second job. I told her I might as well file bankruptcy. It 'd be cheaper. She then began to tell me about my bankruptcy in XXXX and how I ca n't file again.. she was rude, vile, hateful and unethical. I called to settle a debt by payments or a settlement and I wound up berated. She asked me which attorney I will be using. I told her XXXX XXXX in XXXX XXXX, mo ... I called back later to talk to a different person but spoke with the same one. She said the account is now in litigation. How is this possible? How are they allowed to speak to people in the manner they do? They are ruthless.
Recently, we sold our home for a great profit - in hopes of purchasing a new property. Upon our application for a new mortgage it was discovered that Freedom Mortgage had given us XXXX late payment marks on our credit score, this made us ineligible for any mortgage loan program. After researching the issue, we 've discovered that Freedom adjusted our escrow payment, and did not appropriately notify us of those changes - as a result the consistent payment we had been making from our bank account was slightly less money than the new payment amount. We have never missed a monthly payment, once we realized what had happened we had adjusted our payment up to the correct amount, and again recently the escrow amount dropped, and we were not notified - so we spent a few months paying slightly more than we needed to. Freedom Mortgage is ruining our ability as a family to make large purchases, and handicapping our credit for the future.
Purchased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, AL on XX/XX/XXXX. Paid {$700.00} down with 15 {$220.00} payments. We paid two payments directly to XXXX and in XX/XX/XXXX XXXX sold the contract to XXXX XXXX. We made three payments directly to XXXX XXXX. The payments are sent in the form of a check directly from our bank and the bank has verified the checks to XXXX were received and cashed by XXXX. As of today, the two payments we made to XXXX have yet to show up causing our credit to spiral downwards because its showing 60-89 days past due. Have spoken with both companies and they tell us to get with the other one to get it fixed. Meanwhile, late fees are accruing and no one wants to do anything about it. Help please because the arbitration agreement wants us ( the consumer ) to pay for all arbitration fees and on XXXX thats literally impossible.