WillisBack/dataset-financial-user-claim huggingface dataset:
My problem actually involves XXXX separate issues with the debt collector, Greeneville Collection Service Inc., in XXXX, TN. 1 ) they contacted my employer, 2 ) the caller who identified herself as XXXX XXXX falsely represented herself to my supervisor, acting as though she was personally acquainted with me claiming she had not 'spoken ' to me in awhile, and inquired as to my employment there 3 ) the agency is trying to force me to pay a medical debt from XX/XX/XXXX that I have already paid off in full, through a lawyers office, XX/XX/XXXX. 

It was only AFTER I paid off the medical debt through the lawyers office, that this collection agency began contacting me saying that I owe them money for a medical bill from the same hospital, same date of service ( XX/XX/XXXX ) and same exact dollar amount. They claim that the money I owe them, is for separate hospital charges. However the documentation that I have proves otherwise. 

It is my belief, that this is a fraudulent attempt on behalf of the collection agency to collect money from me, that I do not owe. The dead give-away of their attempts to fraud me is the fact that this collection agency, NOT ONE TIME, ever tried to contact me prior to XX/XX/XXXX regarding the medical debt in question. The fact that they waited until after I paid the same medical debt off XX/XX/XXXX is what makes me highly suspicious of their motive. This agency is well known for doing this!!!
I respectfully ask for your urgent assistance to have the XXXX XXXX XXXX to send me my credit card at my mailing address on file with them. Reference number XXXX person to inform their name are below. 1.XXXX XXXX VP , Global New Accounts 2. XXXX XXXX Customer Advocate Services Team Please correct my mailing address to : XXXX. XXXX XXXX XXXX, Guam XXXX
I am reporting The XXXXXXXX Family on behalf of my deceased father. XXXX XXXX is using our late father social security number. They 've stole my identity also, They 've changed my date of birth with XXXX, placed a seven year fraud alert on my credit file. My former employers have been changed fromXX/XX/XXXXAll of my former addresses have been changed. My late father name is XXXX XXXX he was a Veteran. He had a veteran 's loan on the property at XXXX XXXX XXXX TN XXXX. The deed number used to make fraud transactions is XXXX, XXXX, XXXX. There is a deed number that have XXXX no tax associated XXXX & XXXX. XXXX XXXX stole my personal information. Birth certificate, drivers license & social security card. The Family took my information with XXXX XXXX to steal funds. XXXX XXXX is a grandchild and she 's using my father social security. XXXX suddenly moved to XXXX using my information. XXXX traveled to XXXX in XXXX. My late father only benefits was social security. He did not have no where that type of money. XXXX have a XXXX XXXX XXXX in XXXX. I 've done a people search on my father 's name. He was XXXX when he passed away. His social security number is still active & shows he is XXXX. My father passed away on XXXX XXXX. The commercial appeal obituary shows his death. XXXX children is using my late father information. I also paid Attorney XXXX XXXX to pull information for me. He pulled my father 's information also. He have this information on file. This another way I learned of the XXXX dollars.
This card was sent to me for no reason while I was waiting for my unemployment prepaid card to come in the mail. It has the brinks logo and a website and all kinds of information that looked like a real business. Come to find out it was sent to me to activate by giving them my social security number. The card had {$0.00} on it, but upon activating and checking the balance I owed them a lot of money which I was supposed to pay immediately by putting money on the card. I called the Texas  Work Force c ommission and they told me that is not their card. I called the number on the back of the card  XXXX , and the customer service told me that I needed to pay the fees I told him I wanted to deactivate the card he was trying to get me not to, but he told me he did deactivate it then hanged up on me. They have my SS # and I 'm very scared that I just got scammed.
In XX/XX/XXXX I was told by XXXX XXXX XXXX that I was approved for a trial modification. In XX/XX/XXXX received a foreclosure sales date. The sales date was removed and my loan was transferred to Select Portfolio Servicing , inc in XX/XX/XXXX. Select Portfolio Servicing, Inc. stated that they did not have any record of the trial modification being offered and that I would have to submit a new modification package. I have submitted modification packages every XXXX months for the last XXXX years. Every occasion I am told that I am denied for incomplete information. In XX/XX/XXXX I was told that I no longer qualified for any home retention options. Because I was offered a trial modification and defaulted. I was never offered a trial modification. I was told that my only options were a short sales or deed in lieu. I choose to do a short sales and submitted paper work within the stated time frame. A sales date for XX/XX/XXXX was scheduled before I was giving notice that the short sale was denied. I contacted HOPE hotline and an investigation was opened. Because of this the foreclosure sales date was postponed. As a result Select Portfolio servicing offered a deed of lieu. I mailed the documents that were required to start the deed of lieu. The next day I received notice that my property was to be sold at foreclosure sale on XX/XX/XXXX. I contact Select Portfolio Servicing in regards to the foreclosure sale and was told because the sales date was so close that it would not be possible to do a deed of lieu. 
After reading countless horror stories from consumers about the treatment that they have received from SPS, I felt my situation would have a better ending. I have done everything within my power to get an affordable modification on my property. But, I have only received lie after lie. So I am filing this complaint on the grounds of LOAN MOD RUN-AROUND, DENIAL OF INFORMATION, AND LIES ABOUT AVAILABLE OPTIONS, and DUAL TRACKING OF LOAN MODIFICATION AND FORECLOSURE.
Last year, on my way to the airport to catch an international flight, I stopped at a Wells Fargo branch to pick up XXXX which I had ordered in advance for my business trip. Once I checked in with the Wells Fargo teller, she reviewed my account and immediately told me there were additional account opportunities that would benefit me ( as Wells Fargo tellers almost always do on branch visits ). I informed her I was in a rush to get to the airport for my flight and not interested in any additional services, only in picking up my advance order of XXXX. She told me that I would not be able to receive my XXXX until I opened the new checking account she was offering, suggesting that my existing checking account would soon expire and needed to be replaced, especially prior to international travel. Worried about being denied the XXXX I needed for my business travel and the possibility of my current debit card being declined abroad, I agreed to open the new account she was suggesting but only if it would take 5 minutes or less to set up. 40 minutes later, I was still sitting with a personal banker, finishing registration for a checking account that I was pressured into opening and did not need. I voiced my frustration with the Wells Fargo 's employees ' disregard for my urgency, was eventually given the XXXX I needed ( along with a hefty folder filled with information about my brand new checking account ), and was finally free to continue on to the airport for my flight, 45 minutes later than planned. 

A few days later, I was still feeling uneasy about the experience I had at Wells Fargo, so I explained the situation to my father, a former Wells Fargo District President, who quickly told me that they had no business forcing me to open a checking account I neither wanted nor needed. He urged me to call Wells Fargo to have it closed immediately, which I did. My father had significant firsthand experience having worked within the company and knew what they had forced me to do was not right. ( In fact, his opposition to Wells Fargo 's suspicious operations led him to pursue a career in state Banking regulation. ) I have remained a customer of Wells Fargo purely for convenience reasons, though I am now hyper-aware of their slimy tactics to push unnecessary services on their customers. I can only hope that this experience did not negatively impact my credit score and that Wells Fargo never takes advantage of their other loyal customers in the same way.
My name is XXXX XXXX, a mother, XXXX of over fifteen years, and honest citizen. This is an URGENT Mississippi action where a company is trying to collect on a six year old alleged judgment that was never agreed to or filed in court. 

In XXXX XXXX, XXXX XXXX, XXXX attempted to collect on a credit card debt by suing me. The case was released. However, the company, or their lawyers, NEVER got the judge to sign a judgment, nor was a judgment ever filed in the court. I called the court for copies of the documents several times to see if I had a judgment ; there is still no filed judgment! Because the judgment was never filed, I did not make any payments to the XXXX. This company, then, fell under scrutiny and was sued by multiple persons - I was asked to join the suit, but declined. The company immediately fell under and was dismantled. As such, I definitely made no payments. 

On XXXX XXXX, XXXX, Singletary & Thrash contacted me and my job alleging I owed a balance and they were going to execute a garnishment. I researched the issue and verified that in Mississippi debts must be collected within three years. I had not been in contact with the company since XXXX XXXX. So, I responded in accordance with the Fair Debt Collection Act. In that response I neither acknowledged or affirmed the debt. I asked them to stop writing me and my job because they lost their chance to collect because it had been over six years. 

They continue to write me and my employer. The company continues to threaten me, and recently they have " found '' a signed document that was still never filed. I am afraid and embarrassed by their illegal attempts. My employers are afraid and contemplating releasing me. I have been a XXXX for over fifteen years, and I am a pretty great XXXX. I also love my job. I am a single mother of XXXX, and I acted responsibly in handling this matter.
XXXX   XXXX  , based out of Pennsylvania has been a nightmare. I have had an account removed multiple times over the last 2 years and it KEEPS SHOWING UP. It seems like they 're just changing dates or doing something shady. I requested that they verify my debt, which they did n't, and it was deleted from my report. Since   XXXX   XXXX   XXXX     this so called debt has been off and on my report on  6 seperate occasions. Yes, that is 6.  It has appeared as being placed into collections from  XXXX . It was also placed into collections by   XXXX   XXXX   XXXX  . Each time, it was removed. Now, it is showing back on my report  AGAIN and  it is on my Equifax and  XXXX . I am sick and tired of dealing with the credit collection agency fire sale blowback. It is frustrating and causing me financial strain. It is my understanding that if a credit collection is to be re-inserted into a credit report, that I am to be notified by A. ) the collection agency. B. ) The credit bureau. That is a federal law, am I right?  Becuase I have not received not one shred of mail from any of these companies in ages. I have not received a phone call from these companies. It just seems like they 're throwing it on, and when it comes off they try again ( without following protocol ). The laws are there to protect citizens like myself, and to be honest I feel helpless at this point. When does it end? Ho w does Experian and Equifax justify just letting any credit collection agency post a collection onto a consumers report? Do they even verify? Because if they did, they would find it a little odd that this is now the   XXXX   time the same debt is on the same persons credit report in 2 years. Please, I need help and I am out of options.
I contacted Citi about unauthorized transactions and they did not investigate and closed my credit card account for no reason and are not responding my my letters
Equifax failed to protect personal data which enabled my records to be compromised. I was never sent a notice my data was vulnerable and that a breech had occurred. The company still has not notified me or stated a clear date that the breech occured. They just state it happened between mid-XX/XX/XXXX and XX/XX/XXXX.
I have as of today received a reporting on my XXXX report for the total amount of {$840.00} from Commonwealth Finance for a medical bill that was deleted over 5 years ago ( I Have proof of when they did this on XXXX ). They keep reselling or re-aging every 2 years or so and reporting this to all bureaus and damaging my credit on in-validated debt. I have proof of previous deletions. This needs to stop and not take over 30 days to investigate.
I PURCHASED A CAR THRU XXXX XXXX XXXX IT USED SANTANDER CONSUMER USA TO FUND THE LOAN ... I HAVE BEEN CALLING THIS COMPANY FOR THE LAST 4 MONTHS INORDER, TO RECIEVE A CURRENT STATEMENT ON MY VECHILE LOAN ON A MALIBU CHEVY CLASSIC XXXX I BOUGHT THE CAR BACK IN XX/XX/XXXX STILL MAKING PAYMENTS.. MY ACCOUNT IS CURRENT AND NO FEES OWED ... THEY STILL KEEP LYING ABOUT MY MONTHLY STATEMENTS ..I HAVE TALKED TO MANAGERS.. ECT.. NO HELP I BELEIVE, I HAVE OVER PAID THIS CAR LOAN.. THE CAR SOLD FOR XXXX AND I AM STILL PAYING ... THEY '' SAY I NOW OWE XXXX '' BUT THEY WILL NOT SUBMIT AND CURRENT STATEMENT TO ME AND KEEP LYING SAYING THEY ALREADY SENT IT SINCE, XX/XX/XXXX ... AND I STILL HAVE NOT RECIEVED NOT ONE, COME ON ... THEY ARE RUDE AND MAKE YOU FEEL LIKE YOU ARE THE PROBLEM THAT NEEDS TO GO AWAY ...
I am showing a debt to " Macy 's '' on my credit report. When I contacted the company listed as Macy 's they said Citibank was handling the case. When I called Citibank a woman named XXXX said that because the account was past the statute of limitations, it was too old to be sued and that they can not make any attempt at collections or even discuss the matter with me. They said that I could write to them or send them a check, but they would not explain who the debt was listed under and what it was for.
All of the reporting from this organization/ creditor to any credit bureau has been unauthorized & without my consent. On my XXXX  credit report it shows a creditor by the name of XXXX XXXX XXXX XXXX reporting the following : Account # XXXX Date Opened : XX/XX/2017 Account Status : Balance : {$250.00}
Freedom Mortgage did not my pay my escrowed taxes by due date XX/XX/XXXX resulting in a penalty of {$250.00}. That late fee was taken from my escrow account and as of XX/XX/XXXX it has not been credited back to me. I faxed all docs on taxes to Freedom Mortgage XX/XX/XXXX. I've made 7 phone calls to them asking for the late fees to be added back to my escrow account. They always say they are checking on it and will call back, but they have not contacted me since their letter of XX/XX/XXXX which said they were looking into this. I have asked for an updated escrow statement on each call from XX/XX/XXXXon, but have not received one. I have repeatedly told them I would file complaints if I did not hear back. They have not contacted me since the letter XX/XX/XXXX.

Attached are 1 ) Notes from all phone calls to Freedom Mortgage 2 ) copy of fax pages including original tax bill and notice with late fee sent to Freedom Mortgage on XX/XX/XXXX 3 ) Letter from Freedom Mortgage dated XX/XX/XXXX and 4 ) Escrow Disclosure dated XX/XX/XXXX that shows my escrow was debited {$2500.00} for the taxes ( {$2200.00} ) +late fee ( {$250.00} ).

I have spent many hours trying to resolve this issue.
XXXX XXXX notified me today when I paid my monthly car payment online, that starting next month I will be charged a {$3.00} XXXX XXXX XXXX XXXX Fee unless I enroll in AutoPay.
We owned  XXXX  CC a balance of {$8000.00} o  XXXX   XXXX   XXXX   and we were told to pay {$2700.00}, by   XXXX   XXXX  , so I wo n't be penalized to pay the interest promotion which was {$800.00}. We decided to close the account and pay the full balance which was  XXXX , On   XXXX   XXXX  . I was told since I paid the full balance that I was going to receive {$860.00} for the interest adjustment. However in order to get this I was told I needed to request by calling them and they would post it in the computer and mail me the check within  XXXX  days. I have called several times to send my check of {$860.00} that I was told by several customer service representative that they would mail me the check. However, all I got from them on the   XXXX   statement was an account statement with a credit of {$810.00}.  XXXX  towards my close account. When I called on   XXXX   XXXX  , about this their reply was the money went toward the account, and can not be mailed to us.
Loan payment was due on XXXX XXXX. I have been Ill and I am in the process of filing bankruptcy. I came home to find a business card in my door from the manager of Sun Loan Company in XXXX Missouri with the amount I owe instructing me to get " ahold '' of us. 
This was next to a notification of a package delivery. I feel I had notified them of my intentions of Bankruptcy. I did change attorneys. I also advised them of being ill and my inability to pay.
I had accounts removed XX/XX/2017 and I take a look at my report and it shows closed with a new date ( which is illegal to add to my report with a new date ) that is re-aged. Capital One XXXX has open XX/XX/2017 ( which is incorrect and illegal at the same time ) I was not notified within 5 days of the changes.
When I purchased an automobile ( a XXXX Mercedes-BEnz XXXX ) I took out a loan with M & T Bank. When I received my vehicle title from the Maryland XXXX XXXX it reflected a lien. The loan was paid of in the beginning of XXXX. I expected that I would receive a document thet reflected the termination of the lien. This reflects my experience with my other vehicle. After some time has lapsed, I called the general service number for M & T to inquire about this process ( on XXXX XXXX, XXXX ). At that time, a service superviser identifying himself as XXXX said there may have been a error on the bank 's part and the title continued to reflect the lien in error. He said someone might get a hold of me about the issue. Since no one has done that as of now, I called again. This time XXXX responded ( on XXXX XXXX ). After hearing my information, she said New York XXXX places the responsibility for clearing a lien on the customer. After pointing out that I live in Maryland, she offered to turn me over to another superviser. Clearly, I am getting a different story each time I call.
I opened an account via XXXX XXXX 's website for an credit card called XXXX After filling out application received card. After a month with the card, I was not comfortable with the telephone customer service and the lack of information you receive on their website. I paid the balance in full and requested my account to be closed. They later billed me {$59.00} for Annual Fee and told me it was on the forms I filled out. I advised I never received any notice or forms stated that. I requested an supervisor and they refused to give me a supervisor. I later called back and given the same run around. I wanted this fee credited off the account and not to reflect as an balance on my account. The account is less than a month old and I never heard of you paying an annual fee when you close an account. 

The customer service was very unhelpful when I called to address concern.
XXXX, XXXX has caused me much anguish by reporting an invalid debt to the credit bureaus. XXXX, XXXX occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. XXXX, XXXX is reporting this item as an OPEN account. I never received notice of this debt from XXXX, XXXX. I applied for a home loan and was denied due to this criminal act by XXXX, XXXX. XXXX, XXXX is claiming that I owe them {$340.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and XXXX XXXX. A debt validation letter was sent to XXXX XXXX on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a bill back from XXXX but not contract that was signed by me. This was just another one of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent XXXX XXXX a second request on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with XXXX, XXXX, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for XXXX, XXXX is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.
For several months now, I receive multiple calls a day from Synchrony Bank requesting to speak to my name. They will not disclose the nature of their call as I am not willing to confirm my identity & they state they can only speak to my name. I have asked them repeatedly to stop calling my number and put whatever it is they are calling about -since they will not say - in writing. I consider this harassment and have told them so. They keep calling. Calls appear to be from XXXX.
These accounts below have the wrong balance. 

Open credit card accounts View all accounts XXXX XXXX Reported XX/XX/2018 278 % Balance : {$550.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 123 % Balance : {$240.00} / {$200.00} XXXX XXXX Reported XX/XX/2018 122 % Balance : {$240.00} / {$200.00} XXXX  XXXX XXXX Reported XX/XX/2018 78 % Balance : {$230.00} / {$300.00} XXXX XXXX Reported XX/XX/2018 55 % Balance : {$550.00} / {$1000.00}
I obtained an auto loan with NATIONAL AUTO LENDERS , Inc. XX/XX/XXXX. 
They target individuals with low credit ratings and issue high interest auto loans. 
I questioned their high interest rates, my down payment and the original loan agreement, and was given the run around. This company is ripping people off daily. I made a {$7000.00} down payment made several advance payments for six month in advance. Principle loan amount stayed the same after 3 years. Contacted their office and questioned the interest rate and payout amount got the run around. After several attempts they told me that they had to send the request out to a different department and I would n't be able to speak to them directly. After no response to several request. I resulted in trading the vehicle in on XX/XX/XXXX in in order to get out of the bad loan. Worst customer service experience ever. 
I would like someone to investigate this company accounting practices and their affiliation with the local automobile dealerships.
I began receiving calls and letters from Midland Credit Management concerning a debt from XXXX, approximately 3 years ago. I have never opened a XXXX account and have never associated with XXXX in any manner. I have had a XXXX cell phone, with the same number, since I was XXXX XXXX XXXX. I contacted XXXX and they said they can not do anything as the debt has been sold. I contacted the Police and they said to get the information from XXXX. I am stuck in the process of clearing this debt that is not mine. I am not sure how this account got attributed to me, but would like this resolved.