WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX Consumer Services continually calls me about a credit card from OLD NAVY and lately about XXXX Bank. 
I do not have an Old Navy credit card, I don not shop there, I do not bank at XXXX Bank. 
I 've told several different representatives who call that I am not the person they are looking for. My address is different, my birthday is different my SS # is different but they continue to call and harass.
my insurance lapsed about 7 months ago. and i cant drive or register my vehicle. they attached a {$3000.00} fee to my bill for insurance but never added insurance to my vehicle. i feel like a victim of a predatory lender.
I have written several letters to date regarding information that is being reporting to my report from a relative with a similar name. Its has been more that 60 days
" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''
experian took more then 30 days to complete an investigation on collections accounts, i have recieved and no cooperation nor any proof they are mine.
We contacted the company by phone and they have not resolved the matter. Here is the letter we sent : XXXX XXXX XXXX # XXXX Ladies and Gentlemen : I am writing to demand that you reverse a late-payment entry that you have reported to the three national credit-reporting agencies regarding the above-referenced mortgage loan and that you request those agencies to remove your report. 

On XXXX XXXX, XXXX, I sent you a payment of {$XXXX}. ( Our monthly payment amount is {$XXXX}. )  The payment was in the form of two checks for {$XXXX} each, one drawn on my personal bank account and the other drawn on the personal bank account of my wife, XXXX XXXX XXXX. In the process of reconciling her account a couple of weeks later, my wife saw that her check had not cleared. I reviewed my account and saw that my check had cleared. ( A copy of the canceled check is attached. The endorsement reflects a date of XXXX XXXX, XXXX, confirming your receipt. ) On XXXX XXXX, XXXX, I spoke by telephone with a representative of Shellpoint Mortgage Servicing and explained that one of the checks had not cleared. I was informed that Shellpoint used an automated system that likely processed only one of the checks. I was told that they would try to locate the other check. ( I provided them with the check details. ) I was assured that this would have no negative implication for my credit score. I called several days later to follow up and was informed that they were unable to locate the check. Accordingly, XXXX XXXX put a stop payment on her check, and on XXXX XXXX, XXXX, I made a payment of {$XXXX} rather than what then was our customary {$XXXX}. 

I now am applying for a mortgage on another property, and I have been informed that my credit score is about XXXX points below what I believe it otherwise would be due to your having reported the XXXX XXXX payment as late. That should never have been reported as such : I was not lateit was a processing mishap at Shellpoints end. Needless to say, I am not happy about this, and it is holding up and very possibly blocking my ability to obtain financing. Please reverse this late-payment entry and correct this with the credit agencies IMMEDIATELY. Time is of the essence here, because of my pending application for financing. I am at risk of losing the financing and ultimately the property that I am under contract to purchase ( along with my deposit ). I do not want to report this to the FTC, but I will do so if I do not receive a satisfactory response within 24 hours. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cell XXXX
I was selling an item on XXXX. The purchaser sent me a XXXX XXXX  cashiers check for XXXX. XXXX of that was to be paid to a moving company who would " pick up the item they puchased '' I deposited it into my bank. Then the buyer decided to back out of the deal and asked that i send him the remaining balance to his XXXX account.Thinking this was legit and made a second EFT for XXXX to the person for the remaining balance of the " bad cahsiers check ''. The very next day i see my bank also denied the bank issued cashiers check as it was fake. I immediately opened a claim with Chase to have the XXXX transactions cancelled and returned to my account. A week later i call up on the case and Chase explained to me since i made the transactions through the XXXX   system there was nothing they could do to recover the money since it was not in there eyes fraud. I called up XXXX and they advised me they can not help me because i did not go thru there mobile app that i went thru my banks system ( which used XXXX services ) to make the EFT. Now im XXXX lost and it seems both XXXX and chase are not helping me in this matter at all. I ask chase why partner up with a company that will allow for such scams to occur using there system
I've been working with XXXX regarding a " Debt ''. I haven't been dodging his calls we've spoke and unfortunately had a miscommunication with the settlement amount. I was ready to settled as I thought we had agreed to a certain amount to settle and when i received the letter with the settlement amount it was different than what we discussed. he said he was unable to make a change to the settlement amount and i understood there was only so much he could do, so i asked him if he could have his manager call me back.. His manager called me back and I'm shocked at the absolutely disrespect from this guy. I understand being is this business is hard, but there is no excuse for his behavior, it was the job he agreed to take, however the level of disrespect and the tough guy act was not what I was interested in what so ever and I hung up on him, I will never be disrespected by someone like that. I'm looking to settle today and someone with some common sense and a level of respect for a person not trying to dodge them and actually take care of a balance with a reasonable offer, can call or email me and we can get this done I recently found out that this collection agency has had my account since XX/XX/XXXX I have the legal right to be notified in writing prior to my account being reported to my credit report. Hunter warfield has  continued to threaten me about reporting an account that they have not provided me an opportunity to dispute or be properly notified in writing.
I am lodging a formal complaint against ehanced recovery company. This debt collection company has violated my rights and the XXXX. I recieved a dunning notice from this company in XXXX of 2014 advising me i had XXXX days to ask for validation on a XXXX account i have no knowledge of having for a horrific amount of {$1000.00}, i immediately sent them a debt validation request within the XXXX days, which was sent via XXXX certified mail with return reciept. enhanced recieved my validation request i have the return reciept and copy of the debt validation letter, which i will keep for my records. Enhanced recovery intentionally ignored my debt validation request, instead of validating the debt, enhanced recovery reports this negative debt to the XXXX major credit reporting agencies, which in return has damaged my excellent credit. I want this negative account deleted from my XXXX credit reports immediately!!!!!!!! I will also be filing complaints with my XXXX attorney general office, and XXXX attorney general office!!!! I Have done my research on this company, and found out this is normal for them too do. They have numerous negative complaints for their deceptive business practices. Please do not continue to let this company think they can continue treating consumers like XXXX! Thanks for your time!!!!!!
My current car lender has repossessed my vehicle due to non payment. I have not been able to pay because of illness, XXXX, and hardships. I was devastated by the XXXX of two family members in XXXX during the hurricanes. Even though i did not have much i was asked to contribute to each funeral. And also My income had become affected by the hurricane in texas. Many of my clients were forced to cancel and as well as myself was forced to cancel many appointments. After the homegoing of my one of my uncles and one aunts, I fell ill to an unknown XXXX XXXX. I was hospitalized from XX/XX/XXXX until XX/XX/XXXX. That same day I called and alerted my lender about my  situation. I stated that I would try to make a payment on the XX/XX/XXXX,  because i expected to be paid a lump sum of money from cancellations. I was unable to make the payment on the XX/XX/XXXX. Then finally I was told of another death in my family in michigan the first week of XX/XX/XXXX. I had no intentions on allowing my car payment get away from me this way. But I did let Ally Financial know of the troubles My family and I were experiencing. And I was told that I would be given time to make a minimum payment to push the other payments to the end. Unfortunately, I had not been aware of the repossession until it was too late. I have been struggling since the hurricanes hit! I know that my family is n't the only one that has been affected, but at this very moment I will struggle even more by not being able to get to my clients to bring in the income at all. The Ally Financial rep even stated that I had never fallen behind like this before, and they were here to help me in my time of need. I woke this morning, to find that my car had been repossessed.
XXXX is reporting my account like I owe them. I want proof that I opened an account with them. They have received my personal and confidential information from XXXX XXXX XXXX which is now closed, re-aged and re-opened a delinquent account in my name. They are reporting it on my credit report. I have reported it to the credit reporting agencies and to them they will not resolve the matter or will they supply proof. I will no longer accept a letterhead they typed saying I owe them. I want hard information, contract agreements with my signature saying I owe them because I know for a fact I do n't and it 's not legal for them to report on my credit report. If you were to look at my credit report, you will see XXXX companies with the same bill have an account in my name with XXXX different amounts but same account.
I have done multiple disputes against a XXXX XXXX XXXX account that shows delinquent status. Transunion is the only credit reporting agency that shows incorrect information marking my account as delinquent. I have disputed this directly with XXXX XXXX XXXX through XXXX and they responded stating that the information is correct on their end. They are NOT reporting any delinquencies during the time the account was opened with them. Please dispute the delinquency on the attached Mortgage account.
I called in to pay off my loan on XX/XX/17. The rep told me the balance and I explained I could n't make to the bank in time to payoff the loan in full because I was in XXXX when the hurricane Irma hit. He advised on XX/XX/XXXX to pay $ XXXXand they will waive the other payment of {$330.00} since I was in the hurricane area when the hurricane hit.
I 'm being sued by XXXX XXXX for an outstanding debt they tell me I owe and I 've been unable to fight back. I am XXXX XXXX and I was ran over. I now have a judgement and lien on me because these lawyers won in court because I was n't represented. I am sick! Oregon Case # XXXX
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
I received a call from XXXX XXXX XXXX on XX/XX/XXXX at around XXXX in reference to an old online payday loan from XX/XX/XXXX. The lady that I spoke to first was XXXX XXXX, and I demanded her company and phone number because they called me on my office phone at my job. She politely gave me the information and she could not tell me the information because the documents were sealed. XXXX XXXX sounded nervous and unsure as she placed me on hold to speak with XXXX XXXX.This man did not introduce himself and immediately threatened to lock me up for an old payday loan. He was very rude and controlled the entire conversation even after just asking simple questions. I requested that he send me information about the loan. I never denied it but the way that he was using all of those big words and trying to fast talk me was ridiculous! He repeatedly said that I would be arrested and I currently work in law enforcement and I know that I havent done anything criminal other than default on a loan that is a civil matter and I have not been summoned to court. He quoted to me {$2100.00} and if I am picked up it would cost me {$3500.00} and I would picked up at work and post bond from jail. He also advised me that I would picked up by Marshalls and arrested and taken to jail. He also advised me of Title 18 inquisition, and a restitutional program. He then went on trying to set up a payment plan of splitting the {$2100.00} in half in to two payments or pay it over a seven month period. This is just wrong to talk to me and threaten to have me arrested is this legal Not!! Especially over an old debt!
About a year ago, I noticed a ( what I thought to be ) fraudulent delinquent account on my formerly perfect credit report. It was from XXXX XXXX, who I have n't been a customer with since I moved from XXXX to XXXX 6 years ago. I later learned that it was because the cable XXXX had been in my name, and my ex 1 ) Never fully put it in his name, and 2 ) Never turned in the modem when he moved to another location in XXXX last year. I contacted him, he turned it in, XXXX XXXX confirmed ( I 'm sure they have logs on it ), and it was removed off my credit report. I checked my report last night, and low and behold, there 's ANOTHER overdue account from XXXX XXXX that is listed as OPEN and has been charged off to a creditor for a measly {$180.00}. I 'm not exactly sure what 's going on this time, but this is NOT my debt as nothing else was in my name with XXXX XXXX. Perhaps it actually is a fraudulent account, or maybe the debt collector made a mistake, but regardless, I have no responsibility in paying this.
Have an account with American express. And had a balance of XXXX dollars and I pay my bill on time XXXX month did not receive a bill and called to pay them over the phone I gave them my card number over the phone and they said okay and gave me a confirmation number I never saw the money come out of my account so I called them and they said the number was invalid and looks like I left out a number or they did n't get all of it. I then paid the bill with right number they then said everything was fine the next month they lowered my balance from XXXX to XXXX and I called to find out why and they put me on hold everymonth I called no one gave me any help now they sent me a letter saying they are canceling the card I was never late and the most on the card was XXXX my credit is a XXXX and they just broomed me on the rug instead of taking care of a customer who gets there card closed for paying on time and paying more than the amount wanted the worst card ever.
Please see case # XXXX with Dovenmuehle Mortgage Company. Today I am complaining about excesses fees and no return of " bankrupcty fees '' I was released from from previous XXXX Mortgage - Please find attached letters ( 2 ) from XXXX. Additionally, I completely paid off the exagerated fees to get rid of Dovemnuehle and they have NOT forwarded my deed or additional documentation ending our business together. Find attached their last statement to me and the check that they cashed. I have a statement from the CLARIFY agency, where the inspections fees were asked to be verified by Dovenmuehle. They could not. This mortgage was current, paid every month, not on time, but current. Your assistance in securing my deed and any additional fees owed to me from these people is greatly appreciated.
This account has been disputed multiple times due to the inaccuracies in the reporting with the company XXXX. It is showing I have past due payments in which I have never made a late payment. However, there was an incident to where my car was totaled and I was awaiting gap payment. The payment was held up due to XXXX being I constantly called the company as well as my insurance provider to make sure the car was paid off before my due date in which the company kept telling me they are waiting on paperwork from my insurance company who sent the paperwork multiple times. At this time my payment was made and I had a month to get things taken care of. By week 3, after continuous conversations with both my insurance company and XXXX, my insurance company wanted to call the company with me on the phone to verify things as they stated payment is set upon response from XXXX. While calling XXXX with my insurance adjuster, the company stated they didnt get the paperwork in which my adjuster notified the rep of the numerous times and dates paperwork was sent as well telling the company they are just waiting on the proper paperwork to pay the debt. I explained to the XXXX sales rep that my payment is becoming due and voiced my concerns of the paperwork being delayed intentionally after the rep just so happen to find the paperwork. Because of the delay in the companies efforts to get the account paid the account was paid a week after my due date. I dont think I should be penalized for the companies lack of effort especially when I was on top of things. Im hoping the company can review call logs and conversations and see that I tried to get this solved. Also, I am sure I can obtain a copy of my insurance adjusters notes from the case to verify our conversation because I asked her to note the conversation.
I made my mortgage payment through XXXX XXXX XXXX that was due on XX/XX/XXXX for {$1300.00} on XX/XX/XXXX. I made the payment online directly from my XXXX XXXX XXXX account to my XXXX XXXX Mortgage. I have a confirmation from the XXXX XXXX XXXX online banking history that shows the payment date as XX/XX/XXXX.  However, they did n't post the payment until XX/XX/XXXX. This resulted in them reporting me in excess of 30 days late on my credit report. This is a direct violation of Reg Z that states I should be credited for the payment the day they receive the payment. In this case it was XX/XX/XXXX which is within the 30 day payment window for credit reporting purposes. The bank is permitted to post the payment when they would like but are n't permitted to impose any fines, late charges, or negative credit reporting due to the delay in posting. In this case they reported me over 30 days late because there was a delay in posting. I feel this is a violation of Reg Z and as a result I was reporting as being in excess of 30 days late. I am requesting my credit report be updated.
We received a collection letter from CheckCare requesting payment in the amount of XXXX which included a {$25.00} fee. The first name was in correct and the NSF check was allegedly written to XXXX for a prescription. It is very rare for us to even write checks and our accounts are not at risk for NSF. We have never been to XXXX. Assuming this is a scam collection and we will not provide any personal information to this company. What else can/should we do to protect our credit/identity?
6 years ago i am in a loan modification with ocwen loan servicing i have the documents for the first 5 years its 1 percent second 5 years 2 percent, i am in the second year in which i should pay XXXX a month, i understand escrow goes up a little for insurance and taxes but mine went up XXXX dollars for XX/XX/XXXX, XXXX, and XX/XX/XXXX from XXXX to XXXX and now XX/XX/XXXX is XXXX what the heck is going on, you ca n't get a clear answer and they ca n't explain it now they want me to do a new modification so they can get more escrow. second they sent a letter stating i owe over a XXXX dollars in which i do n't, if you take XXXX for 3 months is XXXX and i pay XXXX for 3 months like i should that is XXXX in which is XXXX not over a XXXX dollars i talked to them several times and i get a different answer every time these people are idiots and you ca n't talk to them, i had read several complaints about ocwen loan servicing, my escrow was XXXX times XXXX is XXXX my insurance and taxes is XXXX now they want XXXX a month in which is XXXX why why why, like i said i can understand a little but not XXXX dollars i never seen a mortgage bounce from XXXX to XXXX for 3 months and back down to XXXX,