WillisBack/dataset-financial-user-claim huggingface dataset:
The only dates that I have on hand at the current moment is today,   XXXX   XXXX   XXXX     and a previous date of   XXXX   XXXX   XXXX    .     I 've had harassing, non stop phone calls to the point that I 've changed my number and had to block the company 's number on my home phone, when I have asked that all communication be done via United States Postal services, which has been ignored and I have n't received anything by mail. The debt that they 're trying to collect is on a   XXXX   XXXX   where my contract was voided since  XXXX  did n't keep up on their part and I returned the vacuum to them.     On   XXXX   XXXX   XXXX     I received an email stating that they 're trying to contact me in regards to my account - Which was sent to my email and  three others, two of w hich I have no connection to. This was after my grandparents and mother received a phone call from a man who got verbally confrontational with my mother. I replied back to the email stating that all contact needed to be done VIA  USPS  and if there was any issues to give me a call on a number I provided.     On   XXXX   XXXX   XXXX     - My employer got a call, fax, and email in regards to an employment verification, in which I called the number provided spoke to a woman named   XXXX   that had placed all three of those contacts, and informed her not to harass me at my place of business and if there was any need to contact me via  USPS  - which still has n't taken place. She placed me on hold stating that she was going to transfer me to someone to speak to in regards to it since she only does the " employment '' verification, and I was left there fo r fifteen minu tes before I finally gave up.     I 've had multiple calls on an old phone number that where I 've had their employees yell at me, call me names, and harass me about payment on an item I do not have. I have proof of changing my number, the block on my house phone, statements from my grandparents and mother about their phone call at my home, and proof that they 've contacted my employer.
I was told by at least three XXXX XXXX representives that XXXX XXXX would be deleted from my credit reprts. I never applied for a XXXX XXXX credit card or received in items nor ordered any items from XXXX XXXX. Three XXXX XXXX representive told me it would be deleted from my credit reports. I disputed with the three credit Bureaus and the only one who deleted XXXX XXXX I need XXXX and Experian to delete from my credit reports
Money Theft, Embezzlement, Fraud, and Written Contract violation by Wells Fargo & Co and XXXX XXXX XXXX XXXXXXXX XXXX XXXX and involved attorneys, refusing to refund overpayments received in excess of contract obligation amount and attempting to force signature on document releasing them from criminal activity liability with unreasonable deadline as condition of receiving refund of overpayments with interest charges requested due to years of nonpayment of money due, despite multiple requests for refund of overpayments.
this account was paid on time and never late, but experian is reporting this account negative, please have this negative item removed from my records. i have disputed and wrote letters to experian and also the creditor, please help me to remove the negative item. 
thank you
Select Portfolio Servicing , Inc . 
Loss Drafts Department XXXX. XXXX XXXX XXXX, OH XXXX I am getting the runaround from the Loss Drafts Department at Select Portfolio Servicing. We had a fire back in XX/XX/XXXX. The total amount of the claim was {$160000.00}. The first two payments were made relatively quickly. The last payment was delayed a bit but not too bad. I requested the final inspection on XX/XX/XXXX. This is the inspection that shows the insurance related work has been completed. I was told that someone would contact me within 6 business days to schedule the final inspection. It is XX/XX/XXXX and I have still not been contacted. I spoke with SPS as well as the company who handles disbursements and the inspection scheduling, XXXX, and was assured I would be contacted. In the meantime, the work is done. They are sitting on {$25000.00} which is owed to the contractor, and I shudder to think how long it will take for them to send me the check for the hold back depreciation, once the insurance company sends that to SPS. 

It is now XX/XX/XXXX, 1920 business days have passed, and I have yet to be contacted by anyone. I was told on Tuesday, XX/XX/XXXX, that I would be contacted within 72 hours. It didnt happen. 

This is outrageous. The work on my house is complete. Im getting invoiced by the contractor and I am waiting 20 business days on top of XXXX knows how many more days after that to have the funds released after the inspection has been completed.
I TRIED CALLING BOTH XXXX XXXX XXXX AND XXXX   XXXX TO LET THEM KNOW I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND THAT I WAS A VICTIM OF IDENTITY THEFT BUT THEY DISREGARDED THAT CONCERN. IVE NEVER HAD A CAR LOAN BEFORE SO THERE IS NO WAY THIS COULD BE MINE. I NEED THIS REMOVED AS SOON AS POSSIBLE. THIS IS NOT MY DEBT.
I am a victim of identity theft. I have a police report on file with Equifax in regards to these 2 accounts and being a victim of identity theft for over 10 years. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX, XXXX, XX/XX/2018, XXXX XXXX XXXX, XXXX, XX/XX/2018
I am a new homeowner and have only had a mortgage since XX/XX/XXXX. My mortgage was sold to Ocwen Loan Servicing LLC . Almost immediately after closing, I received a letter from Ocwen Loan Servicing LLC, stating that I did not have homeowners insurance, even though it was a requirment to get approval for a mortgage. The letter stated that if I did not show proof of insurance, Ocwen Loan Servicing LLC would purchase homeowners insurance at a cost greater then if I had purchased my own homeowners insurance. I contacted my insurance agent and requested that they get in touch with Ocwen Loan Servicing to present proof of insurance. To cover all bases, I also sent via certified mail with return receipt, proof of my insurance. This problem was resolved but after much hassle and stress. Ocwen Loan Servicing LLC just made a large settlement in a class action lawsuit in Florida for receiving kickbacks involving this same exact insurance scheme. 

Next, in XX/XX/XXXX Ocwen incorrectly paid the XX/XX/XXXX real estate tax, even though I closed on my house XX/XX/XXXX, which brought my escrow balance with Ocwen to a negative balance. To rectify this problem, I made an additional escrow payment via check and Ocwen 's payment coupon. When Ocwen received this additional escrow payment they applied it incorrectly as an additional principal payment, leaving my escrow account as a negative balance. Since Ocwen did not apply my additional escrow payment correctly, my monthly payment due has risen and is creating unnecessary financial hardship & stress. 

This is my now my third issue with Ocwen Loan Servicing LLC and I have only been a homeowner for four months.
on or about XXXX/XXXX/2016 i noticed XXXX charges for items that i did not charge to my Citi Bank credit card. after doing some research the company gosq.com looked like a realestate company but the goods that i supposedly purchased were Phone or audio equipment. I contacted Citi Bank to dispute the charges that i did not make. Citi bank removed these charges pending a investigation and contacted me by secure mail stating the merchant had 60 days to reply. The Merchant sent back a letter stating that my Credit card information was entered manually. i at no time ever made any purchases from any Company or organization named or known by gosq.com. at no time have i entered my information manually into a square card reader. Around XXXX/XXXX/2016 i received a letter in the mail from XXXX and in this letter they stated that their servers containing client payment information had been compromised on XXXX occasions. The letter goes on further to say that this information contained names, addresses, credit/debit card numbers, security numbers and mailing addresses. I faxed this letter to Citi Bank fraud department. Recently the Charges were added back to my Citi Bank Credit card and Citi bank says that the investigation is still going forward. I sent Citi bank back a notarized letter stating that at no time did i authorize these XXXX purchases {$190.00} and {$98.00}. at no time did i give anyone my Credit card to use to make these purchases nor have i ever met or no anyone from a company named or going by XXXX. i asked Citi bank to issue me a new card as my numbers and information had been compromised and i have called several times trying to obtain information as to why these XXXX fraudulent charges have been added back to my billing.
I am filing this complaint against XXXX. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account
As of today,  XXXX   XXXX ,    2017, we are still being called by a collection agency called Portfolio Recovery.  They were collecting on an old credit card debt. My husband, in  XXXX  of this year, made an agreement with them to pay them {$250.00} total and the debt would be paid off. Our complaint is that they are still calling us for collection!
On  XXXX   XXXX  I purchased airline tickets on the  AMEX Travel we bsite for tickets to  XXXX  for myself and  XXXX   year old g randdaughter. The fare for my granddaughter 's ticket was {$1300.00} The date of travel was  XXXX   XXXX ,  XXXX . When checking for departure at  XXXX  on  XXXX   XXXX , I was told that my grandaughters ticket was not valid and the fare was returned to AMEX. I was told that in order to take my granddaughter with me to  XXXX  that I had to buy a replacement ticket on the spot for {$2300.00} for same day travel. I had no choice and purchased the replacement ticket. I have been claiming a refund f rom AMEX for the difference between the ticket fare AMEX sold   me and the fare I had to pay {$990.00} since  XXXX   XXXX  and without resolution.     My position is that the  Amex trave l website states they are a travel service so my expectation was that if there was a problem with the services sold to me that I would have been alerted in advance instead of blind sided at the ticket counter. I have been a n AMEX cardmember sin ce  XXXX  and expected tha t AMEX w ould take responsibility for the processing error but this has not been the case.
XXXX  says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there.  XXXX   XXXX  is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with   XXXX   and say it is still valid. i Had  XXXX  credit cards with   XXXX   XXXX    (  XXXX   was formerly  XXXX  ) and I had difficulty paying them i n  XX/XX/XXXX - XX/XX/XXXX  and   stopped paying them. Las t    XX/XX/XXXX , I c alled  XXXX   XXXX  and paid off all of the debts. They had sold it to  XXXX   XXXX . I have told them that I already paid   XXXX   XXXX   and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from  XXXX   XXXX  that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to  XXXX  and other collection agencies for the same amount of money. They also need to be corrected and removed  XXXX  also refused to take off  XXXX   XXXX  and  XXXX   XXXX  collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated.     XXXX   XXXX   XXXX   XXXX  - XXXX  accounts. They were paid off completely and in full. THey are not charged off.    XXXX   XXXX  They  did not verify it belongs to me.  XXXX   XXXX  is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify.     So all these inquiries need to be removed.
I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
The interest rate is computing at 22 % I believe the logarithm is calculating incorrectly. I keep challenging the way the calculate is being assessed mind you there is no Cash Advance balance. I believe that I am being subjected to the Usury Act practices. No one will manually calculate the interest and the balance continuous to be maxed out or over the limit even when paying more than the minimum balance. 

They increase the line by XXXX and within a few months with very limited charges the balance has max by credit line to over the limit.
For the past 5 years, since XXXX 2011, I have made payments faithfully every month as much as I can to Navient or XXXX XXXX. I continue to get 6-8 phone calls daily from them. A female from Navient called me at my work today. I have never given them permission to contact me at work. When I asked her how she got my number, she responded, " I found it. '' I told her I never gave them permission to call me at work. She began telling me that I am 880+ days delinquent. I told her that technically I am not, as I paid {$30.00}, which is all I can pay, on XXXX XXXX. She said technically I am delinquent because I have not paid the amount required. I told her that I can not afford to pay any more than {$30.00} a month. She said that she found that hard to believe. She went on to tell me that I choose to not pay any more, that I am unwilling to pay any more. I told her that I owe bills to other people. I told her my rent was {$1100.00} a month. She said, " well, you need to find a cheaper place to live. '' She accused me of not wanting to pay. She even laughed at me when I told her that I could n't pay {$70.00} a month. She made me feel worthless. I said, " Shame on you for judging me. You do n't know my financial situation ''. She said, " Well then you need to stop refusing to pay what you owe ''. I told her that I am paying, but she argued that it was n't enough. At one point, she said, " you do know what will happen to you if you dont pay do n't you? '' I said, " yes, I 've been threatened before. And when and if that day comes, I 'll have an attorney. '' She started laughing and said, " An attorney? If you can get an attorney to represent you, you can pay your loans like you 're supposed to. '' I have gotten to the point that I no longer answer my phone. They call from all different numbers in different states to try and throw me off : XXXX, XXXX, XXXX, XXXX, XXXX. And now they 're calling my work. I do n't know how they got my work number. I have never given them my work phone number. They are bullies. And now they 're stalking me by searching to get my work info. The total amount for the loans is less than {$20000.00}, and that includes 10 % interest for each loan. I am being harassed and threatened over {$20000.00}?
I called the deptor and they said my account of {$36.00} has a XXXX balance
In XX/XX/XXXX I closed all my acct with Bank of America. Or so I thought. I regret I did not follow up as I should have. I moved to OH and there is no BoA here so I opened an acct with another bank. I received a letter from BoA date on letter XX/XX/XXXX stating I had an inactive acct with them with a balance of {$400.00} I called and found out that while my savings, money market and reg checking had been closed, my tier checking acct was not. I now had a balance of {$370.00}. After talking with XXXX I find they had been taking a fee out of {$25.00} I was told since XX/XX/XXXX. They could only go back 90 days in their records she said. I talked to a manager, XXXX in SC branch. She said she would credit my acct for {$250.00} of the fees taken and take the rest to the board for a hearing. I asked that the acct be closed then and she said it would take 5-7 bus days. I wrote all this down. I received a letter from BoA dated XX/XX/XXXX stating they were issuing a credit of {$200.00} only. as they assessed the fees taken we of no error. I called back and talked to another manager, XXXX or XXXX and she suggested I write to BoA in XXXX. Then she asks if I would like the acct closed?! I thought XXXX had closed the acct already. This is what happened in the first place saying they were closing the acct and did not, so I had them close the acct AGAIN so fees would not be taken out AGAIN. In all these years not one statement was sent to me letting me know I have an open acct with them. No letters at all. I feel I should be reimbursed for all the fees taken out since XX/XX/XXXX. I will write the letter to XXXX office but feel I am a small fish and nothing will happen in my favor. Can you help?
After reviewing my credit report, I regret to let you know my credit file is reporting negative information in regard my amazon account. My account is reporting unknown payment status for  XXXX     2017. I 've  been making payments for this account and I 've never been late, therefore this " unknown payment status '' is hurting my credit report. So, Im kindly requesting an update to my file.   Thank you
formation on 3 items is shown differently across all three credit bureaus. I have sent multiple letters regarding this and for some reason they wont take it off. Estimated drop off was due back in XX/XX/2016 but still its shown on my report. I have specific account numbers and amounts that I can provide upon request.
I sent a letter to IQ Data in XX/XX/2016 requesting a verification of debt, what I received on XX/XX/2016 was an itemized bill which is not a proper verification of a debt and they are not the original owners of the debt per the information received from the company.
I HAVE A NEW ACCOUNT THAT IS A SECURED CREDIT CARD WITH XXXX THAT IS BEING REPORTED THROUGH EVERYONE BUT TRANSUNION! THIS IS ALSO IMPACTING MY CREDIT SCORE AS I SPOKE OF IN THE PREVIOUS COMPAINT THIS NEEDS TO BE REPORTED FROM XXXX TO PRESENT PLEASE AND THANK YOU, UNSURE WHY IT HAS N'T BEEN REPORTED AFTER REMOVING DEROGATORY DEBT? SO I THINK MY SCORE WOULD BE WAY HIHGER THAN A XXXX AS PREVIOUS STATED BUT STILL HAVE N'T SEEN ANY DOCUMENTS TO BACK THAT STATEMENT.
i gave santander consumer usa the vehicles back i agreed to not challege the guy when he pick up the vehicles. I have since started to pay some of the money back i pay them XXXX dollars per month. I m a retired postal worker XXXX dollar is all i can afford at time. the problem is the account is a charge off account. Every month they are still putting a negative report on my account. this account was charge off in XX/XX/XXXX.By law can they continue to give a negative every month like they are during.
My sister and I recently purchased a house and we were pre-approved by XXXX XXXX with Bank of America for up to {$380000.00}. Working with XXXX was challenging as he repeatedly asked for information that we had already submitted to him. His poor time management and unorganized behavior were inconvenient and irritating, but that is not our complaint. Our real complaint is that he attempted to mislead us and have us sign new paperwork for our loan on the Friday before our Monday closing date. Our closing date was set for XXXX XXXX, 2016, but on Friday XXXX XXXX XXXX called my sister and told her he needed her to e-sign some additional paperwork immediately. She asked why and he indicated it was something he had forgotten to have her sign. He even offer to meet her at our residence to have her sign all the new forms. What he did not explain was that he had removed my name from the loan and was going to issue the loan solely in my sisters name. We obviously both wanted to be on the loan as we were purchasing the house together. He later called me to tell me that I did not have enough traditional forms of credit for him to approve me on the loan, but after he pursued my sister and attempted to get her to sign on a new loan. It was not his fault that the underwriter did not want to approve me, however he waited until 1 business day before our closing date to inform us of this and he tried to convince my sister to sign paperwork for the loan without explaining what the paperwork was. He also had pre-approved us for up to {$38000.00} based on our credit scores, income, and debt to income ratio, but the housed we were purchasing was only {$170000.00}. We would have selected a different mortgage company immediately had we known there would be any issues having both of us approved on the loan. We were forced to drop him and Bank of America and were financed through a different company with no issue. However, it caused our closing date to be pushed back almost an entire month and we had already paid for an appraisal with Bank of America that was not refundable. It was a waste of our time and money and we were misled by a loan officer that was more concerned about getting his compensation for the loan than he was providing us honest information.
I have, a collection charge against my credit score for the amount of {$67.00} I would like to contact the debtor to resolve this issue. THERE IS NO PHONE NUMBER ATTACHED TO THIS BUSINESSES.
We received a letter dated XXXX XXXX, 2016 from SPS Select Portfolio Servicing. The letter ( attached ) stated erroneously that SPS is the mortgage servicer of their referenced account. It identified a new Relationship Manager as XXXX XXXX. This complaint is to reject the letter and to report the letter as improper communication due to the following : On XXXX XXXX, 2016 a complaint was submitted as # XXXX to the CFPB because SPS illegally threatened legal action. The SPS response was disputed. SPS was informed that we refuse to pay the alleged debt in a letter dated XXXX XXXX, 2016. We specifically demand that SPS cease communication with us and that the account be terminated. There is no loan to be resolved. 
FDCPA 15 USC 1692 ( c ) CEASING COMMUNICATION -- If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
Again we specifically demand that SPS cease communication with us and that the account be terminated. There is no loan to be resolved.