WillisBack/dataset-financial-user-claim huggingface dataset:
I received a message on my work phone from a XXXX XXXX. She did not identify the name of the company of provide any details about her call except to say that it was my last chance to contact her and make arrangements before legal action would be taken and it would permanently affect my record. I see that they called my work phone on XXXX, XXXX on my work phone on XXXX and stated last chance to call them and have the process rescinded was XXXX/XXXX/16. 

From XXXX XXXX, I see that they also use the following phone numbers to collect and I have been contacted by these numbers also : XXXX XXXX XXXX XXXX XXXX
My complaint is with U.S. bank cardmember service XXXX N D.XXXX.Person resolving this matter name is XXXX cardmember service rep. Her contact number is ( XXXX ) XXXX Fax XXXX.On XXXX/XXXX/2015 I XXXX XXXX was only to have a debit transection of XXXX dollars to be taken out of my visa card, not XXXX dollars.The company that took the XXXX dollars name is I PASS. On XXXX/XXXX/2015 U.S.Bank card member service refunded my account in the amount of XXXX dollars here is copies of all my documentations. Now U.S. Bank.card member service is saying I did make the XXXX dollars transection when I did not.
I purchased in XXXX and XX/XX/2018 various jewelry from XXXX XXXX store on clearance prices. XXXX XXXX is the financial institution that holds the account for XXXX. Within 1 week of purchasing the various jewelries I noticed on my account statement by viewing on line that XXXX did not have the sales amount listed but had placed the original amount in the Amount due. 
I called on numerous occasions to try and correct the error. I called XXXX corporate office, I called XXXX  XXXX customer service, I called and went to the XXXX store where I purchased the item, trying to get the error straight. But to no avail did anyone try and correct the error. Each entity kept directing me to the other store. The balance stayed Incorrect. I wanted to keep the jewelry but being XXXX, the bank that hold the account, could not list the correct amount or the sales amount showing what I truly owed, I returned ALL jewelry within the set time allowed for a Return items in order to clear my account and to ensure I had no payment issue. XXXX XXXX received all of its jewelry back in the allotted timeframe for returned merchandise. 
I kept Nothing and owe Nothing. XXXX  record keeing is terrible. XXXX had the order correct XXXX did not whatever they had done in their system they need to UNDUE they have ALL of their merchandise and I owe them nothing. They have now placed some a balance due on my credit when I do not have their merchandise and owe XXXX nothing. They have a paper trail error and needs to correct it within their system.
This account does not belong to me. I reside in California and it stating this account was for gas services in Las Vegas Nevada. I disputed this with Transunion and XXXX and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.
Transunion has police reports on file & I have an fraud alert on file I 'm a victim of ID theft I have had my credit pulled that was NOT authorized by me from XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX all of these were NOT authorized by me these Inquires are all Fraudulent & Fraud I demand to have these removed ASAP or give me the address or phone numbers to these places to get these removed because they were all NOT authorized by XXXX XXXX.
My complaint is in regard to Fay Servicing, ( FayServ ), a debt collector, who is handling my mortgage for XXXX. FayServ has been charging me late payment fees not in compliance with their late payment fee policy. 
FayServ 's policy, which is clearly noted on my monthly statement, says, " If payment is received after XXXX, {$150.00} late fee will be charged. ". However, the statement date is also displayed on the statement. Looking over all my statements in question, it shows that all statements, for subsequent months, are generated prior to the XXXX of the month, most often the XXXX or XXXX. The latest statement date, on my statements in question, was the XXXX. Therefor, even if payment is received by the XXXX or XXXX, it would indicate on the next months statement that the previous months payment was not received, therefor, adding a " PAST DUE '' and late fee amount to the next months statement.Therein lies the issue. The late fee is not returned. In my case this occurred four consecutive months, XX/XX/XXXX ( {$140.00} ), XX/XX/XXXX ( {$120.00} ), XX/XX/XXXX ( {$110.00} ) and XX/XX/XXXX ( {$110.00} ). That is a total of {$490.00}. of late fees that should not have been charged. All due to monthly statements being generated " prior '' to the XXXX of the month. 
I contacted my designated point of contact at FayServ each month this occured. She said she would look into it and " get back to me ''. However, she has never initiated contact with me with any resolve or explanation regarding this issue. The last time I managed to contact her, she said, if " they '' do n't get " my '' payment deposited by the XXXX, regardless of the date " they '' receive " my '' payment, " I '' will be charged a late fee. I was n't in agreement with her statement and asked to speak to her supervisor, she stated, " he is in a meeting and she would have him call me '', I have not heard from him. 
I have been sending my payments through my credit union bill pay service. A month or two after starting this method of payment, I noticed it took as much as 3-4 days, after the payment was transferred electronically, before the funds were deducted from the account. I contacted my credit union to discover that FayServ does not take direct payment, they only take electronic checks when the customer chooses this method of payment. My bank statements and bill pay records clearly show that the latest any payment has been sent this year is XXXX/XXXX/16. Typically, payments, for the months in question, XX/XX/XXXX-XX/XX/XXXX, are forwarded electronically, between the XXXX and XXXX with funds deducted form my account no later than the XXXX. Therefore, according to FayServ policy, I have not been " late '', but they still charge a late fee. 
So, my complaint in summery, FayServ is improperly charging late fees and not refunding them. FayServ inappropriately generates monthly statements prior to the XXXX of the month, negating compliance with their policy. FayServ does not credit my payment in an appropriate and timely manner. So, I would like FayServ to comply totheir policy and return my {$490.00}.
As a victim of identity theft, I am appalled that I recently was denied credit because of derogatory information ( a bankruptcy, liens and an authorizer user of a credit card ) on my credit reports. I notified all XXXX credit bureaus ( XXXX, XXXX and TransUnion ) about the inaccurate information being reported under my name. XXXX claimed that they verified that these accounts they are reporting under my name are accurate. I formally requested that they provide me with that the description of the procedure ( method of verification and any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed ) they used to determine the accuracy and completeness of this information and the name, address, and telephone number of each person contacted regarding these alleged accounts because when I contacted the courts, the county clerks informed me that there is no way that the credit bureaus can verify this information with them because they do not furnish information to them. I had placed a freeze on my XXXX account, so no information should not have been released by them either. I have also disputed the fraudulent credit card account with XXXX and they are not responding nor proved that this account is mine, which is a violation of federal laws. I requested that each credit bureau to clear up this matter because these items are entirely inaccurate and incomplete, and represents a very serious error in their reporting. I notified them that I would be maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should they continue in their noncompliance. XXXX has complied with removing the liens, but the other XXXX credit bureaus are not. As in XXXX v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XX/XX/1995 ), the credit bureaus may be liable for their willful non-compliance and If this is not resolved, I will have no choice but to file a claim against them due to defamation, negligent enablement of identity fraud and violations of the Fair Credit Reporting Act.
On or about XX/XX/XXXX, my husband and I applied for a mortgage loan with Movement Mortgage to purchase a house for {$270000.00}. They sent us an application for a {$210000.00} loan, including a lock agreement document, which they had filled out to say that we chose not to lock in the rate. It also indicated that the choice was not binding until we declared an intent to proceed with the loan. When we received the loan estimate document on XX/XX/XXXX I called the broker, XXXX XXXX, and told him that we wished to increase the amount of our down payment, and waive the escrow, in order to lower the monthly payment. I asked for a new written estimate, showing these revisions and new closing costs, which he refused to give us. After discussing this with my husband, he emailed Mr. XXXX the next day, XX/XX/XXXX, and reiterated the request, and asked for the rate to be locked in, at the quoted amount of XXXX. Again, Mr. XXXX insisted that written revisions were not necessary, that he had taken care of everything. On XX/XX/XXXX, six days before our scheduled closing, we received a new loan estimate, which still included the escrow, and a letter of changed circumstances, which indicated an increased rate of 5 %, due to the fact that we had failed to lock in the rate. When we telephoned him, and reminded him that we had made the request, he denied it, and said that he had made numerous attempts to get us to lock in, which was not true. The lock agreement which he included with the revised estimate was the first we had ever seen for the {$190000.00} loan that they had approved for us. He insisted we must sign the incorrect estimate document in order to close on time. We tried to pursue this with other loan officers, XXXX XXXX, and her supervisor, Market Leader XXXX XXXX, to no avail. Even when we presented them with the XX/XX/XXXX email request, they insisted that the lock agreement that was part of the application, even though it was not for the loan we received, was the overriding document. We feel that this was no more than a bait and switch. The email in question explicitly asks for the rate to be locked in, yet they insisted on calling it a request for rate information. 

We have already forwarded copies of the relevant emails to the company, and they are in possession of all loan documents, and choose to interpret them to their own advantage, which is why we have contacted your bureau for help.
Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

XXXX : XXXX XXXX I - XX/XX/XXXX Experian : XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX I XXXX XXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.
My capital one card is showing that I am 30 days past due which isn't true and this has dropped my score. I had fraud on my account and reported it within hours of discovering it. They open an investigation and is still in process. However its reflecting that I am 30 days past due. I have never missed a payment and although I was told from more than one rep to not make a payment until the issue was sorted out. I have still made two payments. The customer service team has been great through this long investigation however its costing me point towards my credit score.
XX/XX/2018 tried to unfreeze my account and site would not recognize nor find any record of my account that I froze about a month ago and want to unfreeze for a month.
I received a call today stating that I have been sued and that they have sent garnishment papers to my employer for a western sky loan that they say was taken out in 2011. I filed bankruptcy in that year they said it was taken out after that. This company has not contacted me up until today. I have not received any kind of paper work what so ever. This account has been sold to XXXX XXXX XXXX and I have read complaints that they are trying to collect on debts that have been paid off or forgiven.
I was billed an enormous amount from XXXX XXXX XXXX. I received the first statement XXXX XXXX, XXXX. I sent them a letter on XXXX XXXX, XXXX explaining the exorbitant charges which were not in line AT ALL with what should have been charged. I did not receive a response until XXXX XXXX, XXXX from XXXX stating that the charges were billed appropriately XXXX XXXX XXXX. I then received a letter on XXXX XXXX, XXXX stating that the account was reviewed and that I still owed the {$1100.00}. I sent payment of {$160.00} on XXXX XXXX, XXXX. Since that time I have received XXXX communication from ANYONE about the balance. I just, today XXXX XXXX, XXXX, received an alert that my credit score dropped XXXX POINTS! When I checked my credit report from XXXX, I saw that I had an outstanding collections from a company I had never heard of in the amount of {$1000.00}. I called this company and they stated they sent communication on XXXX XXXX - WHICH WAS NOT SENT! I took care of the debt today, but this should NOT be on my credit report or negatively affect me as I had NO knowledge that this was even an issue or should have been collected once I did not receive ANY communication after a payment was made.
I have a n Auto loan with Bridgecrest Finance comp any when I lived in  XXXX . I am trying to get tags to my car in  XXXX . I faxed the a form for them to send my title to  XXXX  the end of  XXXX . I called them the beginning of  XXXX  to see if they sent my title to  XXXX . They said they did n't get the form. I faxed it again the beginning of  XXXX  and called them to see if they got it. They said they did get it and it would take abou t 3 to  5 days to get my title and send it to  XXXX . I have been calling them at least once a week to see if they sent my title. They keep telling me they have to get the title and send it. They keep telling me it will t ake 3 to  5 days. Now I have been out of work for 5 days and still ca n't get my tags because they are refusing to send it. My next car payment is due on  XXXX / XXXX /   2017  and I do n't have the money to pay them due to me being out of work due to them not sending my title.
I received a letter from Attorney, Protas, Spivok, and Collins, LLC. Phone : XXXX XXXX regarding an unpaid balance ( {$2000.00} ) from an apartment ( XXXX XXXX ) I lived in from XX/XX/XXXX to XX/XX/XXXX. I contacted the apartment management and expressed to them that the information that they submitted to collections was incorrect and requested to receive correspondence on what they had on file for me. I was initially told ( by XXXX XXXX, Regional Director ) that their records indicated that I moved out on XX/XX/XXXX and that they did not receive rent for XX/XX/XXXX and XX/XX/XXXX of that year. A XXXX email, from XXXX, confirmed that I submitted notice to vacate the apartment on XX/XX/XXXX and that I vacated the apartment on XX/XX/XXXX and relinquished the keys to XXXX on that same day. She went on to say that although they kept my security deposit ( for the XXXX days in XX/XX/XXXX that I was still in the unit ) the lease requires a tenant to move out on the XXXX and that I would be responsible for paying for XX/XX/XXXX, plus late, legal and WRIT fees. After requesting that she provide me with a copy of the lease and highlight where it states specifically that a tenant can not move out until the end of the month, XXXX did not respond to me but I received an email from a representative from XXXX XXXX, Client Liaison, XXXX XXXX XXXX, stating that her client could no longer be communication with me because this case is now a legal issue. I am being harassed by Attorney, Protas, Spivok, and Collins, LLC stating with threats of my wages being garnished because of this unpaid balance up to being placed in jail. The information that was submitted to the attorney is incorrect and I do not owe XXXX XXXX ( Equity Management ) anything.
The mortagage company has prolonged the loan modification process for over a year claiming i did not submit information on time and denied modification based on those claims. In addition, the mortgagor has changed representatives multiple times in which they are unfamiliar with my case and do not help in a timely manner.
On XX/XX/XXXX I contacted Experian and spoke to a gentleman regarding some fraudulent inquiries on my credit report. I explained that yes some of the inquiries are mines however many are not. The gentlemen that I spoke with told me that it was close to them closing and that he was unable to assist me at the time. I am very upset regarding this information that the agent was not willing to help regardless of the time I reached out. I asked if they can be removed immediately or at least investigated to be removed. He was not willing and I need the information that fraudulently appear removed IMMEDIATELY. The following information/inquires are not mines and I have no knowledge of the information. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX/XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX/XXXX XXXX XX/XX/XXXX 14. XXXX/XXXX  XX/XX/XXXX 15. XXXX/XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX  XX/XX/XXXX 21.XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 22. XXXX XXXX  XX/XX/XXXX I have previously explained that I have been a victim before and know that my personal information is still being used.
I paid the debt in full XX/XX/2017 ( have cancelled checks to verify ) and the debt collector still continues to contact me to pay the debt even though I have told them it is paid in full.
XXXX/XXXX/XXXX I was advised to come to XXXX XXXX XXXX, XXXX, TX XXXX to exchange laptop computer with damages under warranty. Manager advised to pick out new computer, he assigned salesman to execute warranty agreement. Salesman did not explain that new warranty included cost nor did he discuss terms of new installment agreement I was asked to sign, nor did he give me a copy of paperwork. I was under impression paperwork was simply for exchange and had no idea cost was involved. 

XXXX/XXXX/XXXX received late notice from Conn 's in regard to new acct for XXXX per month on XXXX warranty acct. I had no idea what this acct was for, contacted Conn 's and after hours on phone was able to reach XXXX XXXX in customer service XXXX/XXXX/XXXX. She removed 1/30 days late on acct and offered to refund all payments and close acct. 
I asked her to add my phone number to acct. so that I would receive notices when payments were due.XX/XX/XXXX Salesman asked if I wanted new acct with XXXX XXXX, I advised no and do not pull my credit. He inquired on my credit and opened acct against my express wishes. I discovered this acct in reviewing my credit report from XXXX and advised XXXX XXXX with Conn 's about acct opened without my permission on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX contacted Conn 's and learned that warranty acct was over 30 days late. I had received no notices from Conn 's as requested XXXX/XXXX/XXXX. Made arrangements for extension and paid on XXXX/XXXX/XXXX, was advised by Conn 's no late would be reported to credit bureaus I was protected as a victim of Hurricane Harvey. 

XXXX/XXXX/XXXX received notice from XXXX that 30 day late was reported to bureaus on acct # XXXX by Conn 's. I called and emailed XXXX XXXX, Conn 's Customer Service several times requesting 30 day late be removed as agreed in arrangement XXXX/XXXX/XXXX. I also included Service Agreement Cancellation Request to cancel warranty and refund all payments AFTER XXXX removed. I also advised that XXXX XXXX acct was closed by me and that it was opened against my wishes. Requested inquiry be removed from all credit repositories,. 

To date have received no response to phone calls or emails to XXXX XXXX in regard to Service Agreement Cancellation Request, 30 day late removal from acct # XXXX or removal of inquiry XXXX/XXXX/XXXX opening XXXX XXXX XXXX acct. I have spent many hours on phone with Conn 's trying  to get these issues resolved, to no avail. 

Would very much appreciate your assistance in resolving these issues which have dramatically effected my credit rating.
There was offer from American Express Platinum card that adding each additional authorized user with {$500.00} spending requirement will give main card holder XXXX MR points per person. I added 3 users so total of XXXX MR points, but so far I got only XXXX points on XX/XX/2017.
Ditech is applying my mortgage payments to corporate advances. I contacted Ditech in XX/XX/XXXX to determine what the advances were and get an itemized detail. To date and over 30 calls, fax requests and written mail requests - Ditech has never provided this information. To keep the account in good standing, I asked them if I could make payments and apply to the mortgage but their system does n't have the flexibility. I am disputing the advances, however any payments would be applied to the advances before my loan. My complaint is I am being charged for a fraudulent services that were never provided or unnecessary and without my knowledge and Ditech is shuffling me around without providing proof of such services.
This is to notify you that I contacted the following inquiry creditor for proof of authorization to pull my credit. I do not recall placing an application with such creditor, nor do I agree to having had my credit pulled by such creditor. I reached out to the creditor who placed the inquiry and requested they remove the credit inquiry from my credit profile. They have responded and does NOT have information or records in their files for an inquiry or credit application to be place on my credit report. I demand these inquiries be removed from my credit file at once : 1 ) XXXX XXXX XX/XX/16 I am enclosing a copy of the letter mailed certified to the inquiring creditor, along with their response stating they do NOT have records of my inquiry. With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate and unverifiable information on my credit file. Thank you for your cooperation.