WillisBack/dataset-financial-user-claim huggingface dataset:
According to Tennessee state licensure verification, Enhanced Recovery is not licensed to collect in the state of Tennessee. I have requested verification to collect a debt in the state of Tennessee. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XX/XX/XXXX. This is also a debt that states it is from XX/XX/XXXX. The amount of the debt is {$740.00}
Someone has been fraudulently accessing my account, and they have my SSN and identification information. I 've called Chase 4 times requesting that security measures be placed on the account to prevent authorized access and disclosures. At first, after 3 hours on the phone with Chase, they said all they could do was change the account number and not allow access by SSN. However, I just called in today, and their system only asked for the last    XXXX   digits of the SSN, and it let me into the account. When I called Chase t oday, they now say they ca n't even do  (  the above ) as promised earlier and there is nothing I can do to secure access to this account. Today they tell me that are unable to change the account number and/or restrict access to anyone that calls in with the last  XXXX  of my SSN. I 've asked to speak to a supervisor and they refuse to transfer the call. The last person at Chase who I spoke to is  XXXX   XXXX ,  XXXX   XXXX .
I RECEIVED A HOME LOAN MODIFICATION PACKET FROM WELLS FARGO IN XXXX XXXX. I CALLED TO INFORM THEM THAT I DID NOT REQUEST A MODIFICATION WANTED TO ENSURE THERE WOULD BE NO FUTURE ISSUES. I CALLED A SECOND TIME AS VERIFICATION, THE REPRESENTATIVE INFORMED ME THAT I WAS NOT AT LIBERTY TO REQUEST THE REMOVAL AND MY MONTH MORTGAGE PAYMENT WOULD INCREASE IN XXXX XXXX, IN ANTICIPATION THAT WELLS FARGO WILL BE PAYING MY HOMEOWNERS INSURANCE BEGINNING XXXX OF XXXX. I EXPLAINED TO THE REP., THAT I DO NOT ESCROW AND I PAY MY OWN TAXES, AND INSURANCE. THE ONLY TIME MY ACCOUNT WAS IN ESCROW WAS WHEN I ATTEMTPED TO MODIFY MY LOAN, A PART OF THE PROBATION PROCESS IS YOU INSURANCE AND TAXES MUST BE IN ESCROW. AT SOME POINT I DECIDED I DID NOT WANT TO MODIFY, RESCINDING THE REQUEST AS WELL AS MY ESCROW ACCOUNT. WELLS FARGO ACKNOWLEDGED THEY DID RECEIVE THE NOTIFICATIONS, AND REMOVED THE ESCROW. HOWEVER, DURING THE PROBATIONARY PERIOD FUNDS WERE ADVANCED TO PAY MY INSURANCE AND TAXES. BECAUSE I DID NOT WANT TO ESCROW MY ACCOUNT A TWO YEAR PAYMENT PLAN TO BEGIN IN XXXX, XXXX ... WAS INITIATED. IN XXXX OF XXXX I CALLED W.F. AGAIN HOPING TO GET A RESOLUTION I SPOKE WITH A XXXX ... XXXX XXXX. XXXX XXXX. ISSUE STILL WAS NOT RESOLVED ... IN XXXX I SPOKE WITH XXXX XXXX XXXX, HE ASSURED ME THE PROBLEM WAS FIXED, MY MORTGAGE PAYMENT WOULD REMAIN THE SAME {$760.00}. I GET MY MORTGAGE STATEMENT MY PAYMENT WAS {$1000.00}. I CALL HIM AGAIN, HE STATED HE WAS WORKING ON IT, AND PROBLEM WILL BE RESOLVED. I GET MY XXXX. STATEMENT ... .STILL {$1000.00}. I CALL AGAIN, THIS TIME I SPEAK WITH XXXX, SHE STATED SHE WAS WORKING ON THE CASE, AND WOULD HAVE AN ANSWER IN 14 DAYS. 14 DAYS GO BY, I CALL AGAIN ... THIS TIME I SPEAK WITH XXXX XXXX XXXX. SHE STATES SHE SHOULD HAVE AN ANSWER IN 7 DAYS, 7 DAYS GO BY SHE IS OFF OF WORK. THEY ARE BEYOND GIVING ME THE RUN AROUND. I WALK INTO WELLS FARGO IN XXXX, TEXAS, I SPEAK WITH XXXX.. HE CALLS THE MORTGAGE DEPARTMENT, WHO EXPLAINS TO HIM THAT THE ESCROW ACCOUNT CAN NOT BE REMOVED BECAUSE W.F. PAYED MY INSURANCE IN XXXX ... .I FAX A COPY OF COVERAGE TO THE MORTGAGE DEPARTMENT. I SPEAK TO XXXX WHO CLAIMS SHE SUBMITTED A DOCUMENT TO THE ESCROW DEPARTMENT TELLING THEM TO REMOVE THE ACCOUNT. SHE ASKED I GIVE HER 3 DAYS, 4TH DAY SHE IS OFF. IT IS MY BELIEF THAT WELLS FARGO IS UNDERHANDEDLY TRYING TO FORECLOSE ON MY HOME BECAUSE I AM A XXXX PERSON. MY TAXES ON MY HOME ARE PAID, MY INSURANCE IS UP TO DATE. THERE SHOULD BE NO REASON FOR THEM TO ESCROW MY ACCOUNT. I AM REQUESTING A FULL INVESTIGATION INTO THESE ALLEGATIONS.
Someone opened a credit card in my name at XXXX XXXX. We have contacted the creditor, but need to pursue whatever is necessary to have this removed from my credit
Turner Acceptance is reporting an account on my credit that should not be there the car was paid for they have a problem with payments I am requesting a full contract and payment history from them I have requested this information before and I was unable to get it from them
Me and my wife percussed a car back in XXXX 2013 and thought we were getting a great deal. Come to find out we got screwed on this deal. They told me that they report to credit and they do n't. After about 1 year and 1/2 we went and percussed another vehicle and all the payments I was making to drive time was not showing up. They went even on my credit report. Also, the entrust rate is killing us, it was like over double what I was paying on my other vehicle. If I could have had afford it we would wound up paying over XXXX on a car that was only worth about XXXX. I do n't know how they can get away with that but they are taken advantage of people that have been in hard times. I have looked into this company and come to find out there have been lawsuit after lawsuit against them and most of the lawsuits are for harassment. 
I had to turn in the car because I could not afford it anymore and now I am getting harassing phone calls at my job and my family is getting them also. I would like this to stop and I would like them to leave me and my family alone. They got there car back and the have already sold the car. I can wind up losing my job if they keep calling had harassing me at work. I have a family to support, and I ca n't afford to lose my job because of them. 
I would like someone to stop this and put this company out of business. they have no right to treat good people like this. I have been keeping my cool about it but this is the last straw. I am going to keep looking into this company and find out what legal action I have against them.
I logged into my account today ( XX/XX/2018 ) and discovered I had no available credit despite utilizing less than {$600.00} of my {$2500.00} limit. I called customer service, and they told me that this was a computer issue impacting thousands of customers, and they were working on it but nothing could be done right now. I was NEVER notified of this issue. I only found out because I logged into my account and called. Later, I tried to submit a secure message on the credit card website, and that was not working either! None of my issues have been fixed.
After 2 years of using the credit card, US Bank closed my card without explanation. XXXX XXXX. requested additional information ( social security card, driver license, business license ) which he received but on XX/XX/2018 my account was closed without explanation about what additional information is needed. The account was closed because " bank doesn't feel like it ''.
Experian is ignoring my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.
I have received repeated phone calls from a company called PDM, which I learned is a debt collection company. When I answer the person on the phone aggressively requests that I identify a person. I let them know on each occasion that I am not that person and I have asked them not to call me several times, including most recently when I called this company back today XX/XX/XXXX. I received calls on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I have received a Cancellation of Debt from the IRS, as for 2017, from my XXXX XXXX old debt, and I still have the balance due in my credit reports. Also, as of the Statute of Limitations on Debt, I need that all the old debts on my reports be DELETED, because as of this Statutes, they should not be in my credit records, for the Virginia State are 3 years, only to appear on credit records. 

I will very much appreciate your help, because I need to get a job and my credit report is not helping. I am not working right now.
Equifax had a major security breach and I want to be sure to have them investigated. 
Thank you on behalf of the 143 million Americans affected by this blatant attempt at hiding the truth from the very consumers it holds hostage. 
They should be out of business. There are no do-overs here. They need to pay every single American and put the executives in prison.
I have filed a dispute with Chase Bank on debit card transactions that took place around end of XXXX 2017 until first week if XXXX 2017 unauthorized Chargers. First Chase Bank should stop having Representatives from orher countries trying to file a dispute for the customer because they 're on professional and unexperience representatives, I have filed a dispute for ATM transactions and cash advance transactions that took please on my account. This is what happened back in XXXX 2017 i was on a vacation trip to XXXX, California on my trip I lost my wallet in my wallet i had my Chase bank debit card. I called Chase Bank to tell them I lost my debit card and there were fraudulent transactions on my account so I filed a dispute and I was not reimbursed on the unauthorize fraudulent transactions that I filed, they give me a temporary credit and then reverse the temporary credit after I reported that I lost my wallet in my wallet that was the Chase debit card and my pin in there also with all my personal information, so Chase Bank send me a new debit card and I did not receive that debit card and then they stated that they go ahead and resend it again so the one that I did not receive I guess someone else received it so instead of Chase bank changing the debit card information they send the same debit card that first time that I did not receive so after that beginning of XXXX 2017 all kind of ATM transactions, cash advance transactions was happening all in XXXX XXXX County areas, so XXXX 2017 I found out that more than {$30000.00} was missing for my account so I filed a dispute with the unexperience chase bank Representatives in different country in the filing is that disputes were filed differently what I was disputing so because of that matter Chase Bank denies my claim and now when I 'm calling to find out the status of my dispute all I 'm getting is an answer that XX/XX/XXXX chase bank closed my account and denied my dispute and they can not open up a new dispute. I 'm filing this report because i want chase Bank to know that they lost more than {$30000.00} of my money and they could n't protect my money and because of the wrong filing with their representatives my claim was denied and my account was closed so I can not reopen this claims so I need somebody experience anybody from United States of America to try to help me resolve this matter more than {$30000.00} the money that I work hard for and that money that belongs to my family not to some stranger that Stole My Money and Chase could not do nothing about it or protect my account but instead closing the account and saying sorry we can not help you thank you
I 've attempted several times through phone calls, letters, and emails - even the XXXX - to verify this debt that Financial Services claims I owe. However, they have never responded, not even to the XXXX. 

This is no verification - which I am entitled to - that this is a valid debt.
My checks are being garnished by an attorney whom I 've not signed an agreement to pay, nor was I contacted regarding a court date to defend the debt. I have also requested written confirmation that I owe Atty XXXX XXXX XXXX. That information has not been afforded to me, neither has notification of original dates for court. Now 7-8 years later I am contacted. Ohio law states that 6 years is the limit to take legal action. Please help me if you are able.
I have a savings account with Bank of America with my Mom. She has a separate bank account which I would handle for her because I have Power of Attorney for finances and healthcare. My  Mom passed away in XX/XX/XXXX. I talked to the bank and I had questions on the paperwork they sent me. My Mom has no estate. I received her bank statement yesterday, XX/XX/XXXX, and they are charging my Mom maintenance fees now that she has passed. I called and tried to get these fees removed today, but I was transferred around, put on hold for half an hour, then spoke to a man who said he couldn't help me. I told him I would report him to you and he did not care. My name is on this checking account as heir in case of a death. I am on a savings account with my Mom. I have checking accounts with this bank too. I am seriously considering closing these accounts based on the treatment I have received which is unacceptable.I need to get the fees removed and this account closed. Bank of America has not been helpful through this whole process when I am going through so much grief. I need assistance.
WELLS FARGO AUTO LOAN ( Dealer Services ) Ran into a bumpy month and the payment declined. ONLY problem we have had paying in about two years on the loan with them. Normal monthly payment {$360.00}. Called to tell them I would pay the XX/XX/XXXX. Go to pay it two days later, on the XX/XX/XXXX - the overdue and the current month- totaling {$720.00}. Am informed they wo n't allow me to pay online or accept my bank check. I can only pay over the phone and the only amount they will accept is the full amount with fees which is now {$980.00}. I said I do n't have that the woman on the phone became nasty. " Why, why ca n't you pay what are you doing with your money what is more important than paying for your car? '' Seemed to enjoy it, smile through the phone. Refused to accept any payment from me and also told me " I do n't care what you was told yesterday, today I am not taking that payment over the phone. '' So they wo n't accept my money after charging more than I owe and can afford after almost two years of perfect pay history and treated like a scum bucket for trying? So what can you do?
Navient did not sent out notice that the debt was due until several months later, by then our interest was racking up. When I finally call them up and the lady on the line said yes your loan was due long ago and the interest now is $ XXXX. I have no choice but to paid the debt in full immediately so the interest stop racking up. I have paid the debt by now but now I just read an article about Navient being sue and I realized I am not alone. What can I do now? Thank you for your help. XXXX XXXX of XXXX, CA
Not only i did not receive a right to dispute, i have sent them thru a notice to verify debt which has been completely ignored. They are trying to get a Judgment and a levy on my account without submitting my requested information. I owe much less than they are requesting.
We are in desperate need of help as our mortgage is pending a foreclosure sale and our bank will not help us. We purchased this home XXXX XXXX XXXX. We had done a refinance with XXXX XXXX XXXX of XXXX. We defaulted on that mortgage in XXXX of XXXX and the reason for hardship was due to our families including immediate family was in XXXX during the earthquake XXXX XXXX XXXX. We had to fly to XXXX and bring back our nieces and nephew after both my sisters were killed leaving the children orphans. Between the funeral costs, travel costs and taking in the XXXX children, we had no more savings left to pay the mortgage. We applied for a modification and had been approved for a trial modification which we completed and was approved for a step rate modification XXXX XXXX XXXX. The step rate schedule startedXXXX/XXXX/XXXX-XX/XX/XXXX with the rate 4.025 % ; XXXX at 5.025 % ; XXXX at 6.025 % ; XXXX at 7.025 % ; XXXX at 8 %. 
XXXX/XXXX/XXXX XXXX was hurt on the job after 18 years of employment and had to go on workers comp. We had applied for a temporary hardship due to this significant income reduction and was approved for a 2 year temporary modification on XXXX XXXX XXXX through XXXX/XXXX/XXXX reducing the interest rate to 1.025 %. After the two years were up, the payment would go back to the terms of the original modification as explained above. My workers comp was {$270.00} a week. We defaulted on this temporary modification XXXX XXXX XXXX after the workers comp had ended. I had been going to court over the XXXX until it was finally determined he was XXXX as of XXXX XXXX XXXX. The XXXX date I was entitled to benefits was XXXX XXXX but if you review the award letter I have attached, I did n't receive the retro pay or monthly payments until XXXX XXXX XXXX. So for 24 months, XXXX had no income other than the temporary XXXX which was less than {$XXXX} a month which barely covered the cost of parking for the hospitals after the XXXX. 
Since XXXX is now receiving permanent XXXX of {$XXXX} a month and XXXX 's income, we are making {$XXXX} a month in gross income and taking home {$XXXX} combined.
I closed my bank account at Commerce Bank in XXXX 2014 - 9 months ago. ( they are a regional bank and i moved across the country XXXX miles from their nearest location ). I recently got a credit report and i noted that Commerce was reporting a 180 day past due balance. I am unable to log into an online portal to see my account balance because my account was closed 9 months ago.
Have been in litigation and still am, my cousin said just fax in modification, is an option arm loan so send in, was faxed in XX/XX/XXXX18 and XX/XX/XXXX18 my cousin called today and said no paperwork??? ( see proof ) cousin said just request modification WellsFargo is easy to deal with then stop ligitation. Just want modificaiton done, thank you! ( fax was messed up on 1XX/XX/XXXX18 but was faxed thank you )
This company has been reporting to credit bureaus claiming that I owe a debt that I have no knowledge of. Despite my several disputes the company continues to report on my credit report monthly of a debt that they refuse to validate despite my several requests that have been sent certified mail
I have disputed 4 times to the bureaus about these collection accounts that they have categorized as " OTHER LOANS '' These accounts were never loans. I've never taken out a Title IV-D loan so this is a mistake on my report. Also, the accounts were NEVER delinquent so the statute of limitations on these accounts have lapsed and the bureaus will not remove them from my reports. The bureaus are also reporting errors that I proved to be in error and they are still showing and according to FCRA should be removed from my report because the error has not been fixed for over 92 days
I banked with Chase bank for years. I am a recent college graduate and I applied for a new line of credit this year with Chase. I needed this credit because I was moving from XXXX XXXX, XXXX to XXXX XXXX, XXXX I applied for the credit within a week of moving to XXXX XXXX and they gave me a limit of {$18000.00}. I missed a payment the last month because I was looking for a job but I have since been employed. I always pay my minimums except for this last time because I made a big move across the county to start a new life in a place with greater opportunity. I have every intention of paying off my credit, but I should be given the chance. I was given $ XXXX one month and the next month the accounts were closed. Why can I get a $ XXXX loan from the government to pay for higher education, which statistically speaking only 27 % of college graduates even use, ( https : XXXXXXXX XXXX XXXX XXXX ) but the second I try to get a loan to invest in myself and my dreams it gets shut down?
I did not owe XXXX XXXX XXXX. I do not owe XXXX XXXX, {$640.00} or any other amount, XXXX, XXXX XXXX XXXX, XXXX XXXX.
I took out several federal student loans to complete XXXX XXXX. The loans were then transferred to Navient to be serviced. I enrolled in the pay as you earn repayment program after advice from a friend. Once I was enrolled in this repayment program I enrolled in autopay to pay the amount required by the repayment program which was {$86.00}. I was alerted by the company that it was time to renew my repayment program on XXXX XXXX, XXXX. I submitted my application and received a confirmation letter that my application had been received on XXXX XXXX, XXXX. There after I was waiting for my application to be processed. I had not heard of approval of my application so I called the company on XXXX/XXXX/XXXX to inquire on the status. I was told that the company had what they needed and it was being processed. They granted me a forbearance request to postpone payments while my re-application for my repayment plan was being processed. On XXXX/XXXX/XXXX {$2200.00} was auto-debited from my account. I called the same day to inquire about the status of my account. I was told my application for the income based payment was stalled because of missing paperwork despite the fact that the company had told me it was complete on XXXX/XXXX/XXXX and never sent a notification that the application was incomplete. I requested to have my money returned and I was told it was a several week process. I submitted the necessary paperwork and was approved for the repayment program on XXXX XXXX, XXXX. I did receive a refund on XXXX XXXX, XXXXafter calling the company several times to push the request through the system. In addition to the financial hardship of being without the {$2200.00} for approximately 2 months I received a notice from Navient that I lost a 0.5 % loan reduction benefit for not making 12 monthly payments. Had the process worked as intended I would have made the payments from the income driven repayment program.
XXXX XXXX Bank closed my card and withheld the more than XXXX in points I had accrued. Those points have a value of {$1400.00} dollars in airfare or {$1100.00} in cash statements. I want the value of those points, considering that I earned them fairly.
FAIR COLLECTIONS AND OUTSOURSING has placed erroneous and false information on my credit report. I do not know this company and have no knowledge of the company they are attempting to collect for. I have asked this company to remove this information, This company is preventing me from qualifiying for a mortgage. I have lost my earnest money and have been subjected to a higher interest rate with higher fees.
I am deluged by credit card offers from Capital One. This unwanted junk mail is a source of great irritation and needless inconvenience as I have to shred the unwanted solicitation. And this continues despite having requested the Credit Bureaus and Capital One to have my name removed from such solicitations. I would like CFPB to impose harsh penalties on such banks who refuse to comply with customer requests to cease soliciation
My issue is with Carrington, they just started to service my mortgage from XXXX XXXX XXXX. 
They sent me a letter on XX/XX/XXXX stating : ... .. '' we are pleased to inform you that MIP on your loan has been cancelled. As a result, your monthly mortgage will be will adjusted accordingly. A revised billing statement will be sent separately. '' We made a mortgage insurance payment in XX/XX/XXXX that included the extra XXXX as the payments crossed in the mail. In XX/XX/XXXX and XX/XX/XXXX, we made our regular payment less the PMI of XXXX. 

The letter with the revised billing statement never came. I wrote 2 letters, and ask for help on their help line on their website. They stopped applying our payments to our loan. 

Yesterday, I received a letter dated XX/XX/XXXX. It stated that " removal of MIP does not immediately affect the scheduled payment, the payment will REMAIN THE SAME '' until we generate a new escrow analysis ONCE A YEAR. 

Can you please find out why they are demanding that we continue to pay for a service that has been cancelled? And why they aren't applying our payments to our loan? And why we can't receive a refund for the OVERPAYMENT of the PMI in XX/XX/XXXX after it was cancelled? Thank you.