WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX  I received a phone call from an unknown number that claimed to be from a debt collection agency trying to collect an unpaid debt, claiming that the last apartment complex I had lived in was trying to collect an outstanding bill.     As I was driving at the time and had no idea what this debt was about ( this being the first I had heard of this ) I asked them to email me all the information in regards to this debt.     During this call they made the threat that " unless I paid immediately my  credit score  would be ruined '' This phone call was made from the following number -  XXXX  Later that day I received the following email, that as can be seen had none of the required information on what the debt amount was, who it was from, or any information on my rights to contest the debt. There were  XXXX  attachments, however the first  XXXX   XXXX  a .tif file ) would not load ; the second one was simply their company letter head.      XXXX   XXXX   ( FADV-  XXXX  )  XXXX  XXXX  XXXX  via  XXXX  Attachments XXXX   XXXX  to me NCAC is a debt collector.This a attempt to collect a debt any information that is obtained will be used for this purpose.        XXXX   XXXX  Case Manager T.  XXXX  ext  XXXX  Fax  XXXX   XXXX  XXXX  XXXX   www.FADV.com  National Credit Audit Corporation The screening solutions business of  XXXX  has combined with  First Advantage  - Creating the Global Leader in Screening I have replied back to this email with the following : Hello  XXXX , I am sorry but could you please resend the attachments as they do not open.     Also as at this point you have not followed the Fair Debt Collection Practices Act and relevant Texas state laws I will be reporting this. Please also therefore consider this to be notice that, at this point in time, as both the law has not been followed and the required information has not been sent/received, I contest this debt in it 's entirety.     Sincerely,   XXXX   I have also since contacted the local tenants adviso ry (   XXXX ,  XXXX   County )  in regards to this claim and am now in discussion with them in an effort to sort out these charges.
In XXXX of 2014, I received a loan modification offer from Bank of America while in litigation working with a law firm to help facilitate the process. After making several trial payments, I received a permanent loan modification offer in XXXX of 2014 which was nothing like the modification offer/details provided in XXXX. The offer in XXXX is severely damaging and provides absolutely no relief or comfort to save my home. Furthermore, it keeps me extremely buried upside down to the point it feels like a cruel joke. They did a total breach of contract. The changes below highlight the significant changes : SETTLEMENT OFFER XXXX 2014Loan Balance : $ XXXX Value : $ XXXX : $ XXXX & Interest Payment : $ XXXX 2 % for XXXX years. 
Amortization term XXXX. 
Principal balance {$390000.00}. 
Principal forbearance {$160000.00}. 
Principal forgiveness of {$270000.00}. 

SETTLEMENT OFFER XXXX XXXX Balance : $ XXXX Value : $ XXXX : $ XXXX & Interest Payment : $ XXXX 2 % for 3 years. 
Amortization term XXXX. 
Principal balance {$830000.00}. 
Principal forbearance {$230000.00}. 
Principal forgiveness of {$0.00}. 
Balloon Payment : $ XXXX have complained to my attorney 's office, but they were only confused as well and not sure what or why XXXX did something like this. I even received permanent loan mod docs for signature late from my old attorney and they just wanted me to sign without questioning the complete change in loan modification terms. I reluctantly did as my counsel scared me into thinking if I did n't, I would lose my home. I dismissed my case and my attorney in order to represent myself as I began to feel like the attorney 's office did n't really care anymore since I paid them in full.
In XXXX, 2017, I received a notice from a company called Transworld Systems , Inc. stating that my student loan was in default and had been turned over to them for collection. I immediately called my loan provider and verified that I was current and told them about this notice and they said they had no idea why I would be getting this notice. My loan had been sold to XXXX from XXXX XXXX - so I decided to contact XXXX XXXX to be sure they did n't show any delinquent status for my closed account and they confirmed that my account was sold to XXXX and was closed with no negative information on file. I decided to send a letter to Transworld on XXXX XXXX, 2017 explaining all of this and now I have received a response from Transworld stating that this debt is valid and included a copy of all of my personal information with all my student loan transactions since I received the loan. Please help me to resolve this issue as I am getting nowhere!
There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.
I received a low APR credit card balance transfer offer from XXXX. 
On XX/XX/2017 I initiated a balance transfer from a USAA credit card to a XXXX credit card in the amount of {$3000.00}. I was told that transfers could take from 10-14 business days. 
{$3000.00} was debited to my XXXX credit card on XX/XX/2017. USAA did not credit my credit card until XX/XX/2017. 
On XX/XX/2017, I initiated a second balance transfer from the same USAA credit card to the same XXXX credit card in the same amount of {$3000.00}. On XX/XX/2017, I received correspondence from XXXX advising that they were unble to process my transfer request because " XXXX XXXX XXXX ''. 
I contacted XXXX XXXX : what additional information was needed and XXXX advised me that USAA had denied my second request because USAA " thought it was a duplicate ''. USAA never contacted me to inquire or advise me of their denial. 
I contacted USAA and got a run around explanation. 
On XX/XX/2017 I re-initiated my XX/XX/2017 {$3000.00} balance transfer request from USAA to XXXX. USAA credited this second request on XX/XX/2017. 
On XX/XX/2017 I initiated a third balance transfer request in the amount of {$1000.00} from the same USAA credit card to the same XXXX credit card. 
As of today, XX/XX/2017, I see no posting that USAA has credited my account for the {$1000.00} transfer. 
Since USAA has a state of the art reputation for electronic transactions, I questioned XXXX why there was such a delay between their almost instant debiting of my balance transfer and USAA 's prolonged crediting of the transfer. I was told that USAA required a paper check for payment - they would not execute an electronic funds transaction for balance transfers. 
Since both XXXX and USAA are known for the their worldwide and frequently on-the-move membership community, online and electronic banking are strong points for both. 
If in fact, USAA requires a paper check for balance transfer transactions, it means that I am paying overlapping interest rates - one immediately to XXXX when it debits my account as a balance transfer is treated as an Advance and another to USAA during the delay in their posting a credit to my account. 
USAA has never delayed any of my other electronic payments - they are posted almost immediately. 
It is my belief that USAA is requiring paper checks in order to delay their credit postings in order to collect additional interest income monies. 
I am especially concerned that USAA took it upon themselves to deny a balance transfer payment " assuming ... '' that it was a duplicate without making any effort to contact me, their long time member, to verify my transaction intentions.
~ {$7000.00} in debt has been reported on a credit card that I never had.
I had fraudulent activity on a credit card XX/XX/2018. I used online services to report and request a fraud alert with XXXX, XXXX and Equifax. 

I reported the same information to all three agencies. However, EQUIFAX DOES NOT HAVE MY ADDRESS CORRECT IN THEIR SYSTEM. There have been no clarification requests from XXXX  and XXXX. Equifax however, keeps repeatedly sending a form letter that states " the identification you provided does not match our records. '' I spoke to an Equifax rep and her supervisor without resolution, faxed the requested verification documents without resolution and, after I received the same form letter again on XX/XX/2018, sent by certified, return receipt mail the requested documents a second time. The certified mail number was referenced in the cover letter and EQUIFAX SIGNED FOR THE CERTIFIED MAIL ON XX/XX/2018. EVEN THOUGH EQUIFAX RECEIVED THE REQUESTED INFORMATION ON XX/XX/XXXX, ON XX/XX/2018 EQUIFAX SENT ME THE VERY SAME FORM LETTER AGAIN. 

I have twice provided Equifax with the requested documents to make the correction in their system. I have had no credit inquires, do not have a mortgage on my Indiana property, do not have a car payment, have not applied/opened a new credit card, have not closed a credit card, pay all credit cards in full each month, etc. There have been no requests from any other agency, I receive bank statements, bills, etc. timely. The problem very clearly rests internally with Equifax with no resolution in sight.
I had submitted a complaint about Ally Financial with your company back in XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have XXXX accounts with Ally ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX  over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with Ally changed again on my XXXX report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.
Penn Credit is constantly calling for my son 's roommate that does not live at the home phone number. It 's an automated message that I am unable to tell them
all XXXX credit reporting agency, XXXX, Trans Union , & XXXX is reporting unauthorized inquries on my report and duplicates. disputed with companies and no response or validation
I attempted to apply for a loan modification with Wells Fargo in XX/XX/XXXX. I was told who my home preservation specialist was but I was never contacted by him nor did he answer any of my calls. Finally, after several attempts, I was able to speak with him and he stated that he didn't know he was assigned to my case. I then, spoke with different agents at Wells Fargo and they gave me different instructions on what to do. However, the last agent told me that I had to have my application in within 7 days of my Foreclosure date. Which should have been XX/XX/XXXX. I did so. Wells fargo called me on XX/XX/XXXX stating that they could not help me because turned my paperwork in too late. I called HUD and the escalation department at Wells fargo phoned me and stated that they would indeed review my case and attempt to delay the foreclosure. I did not hear from him until the Evening of XX/XX/XXXX. He stated that he couldn't stop the foreclosure, but, he would continue to review my case because they maintained ownership of the property. He kept sending letters extending the time frame to get back to me. Finally, I received a letter in XX/XX/XXXX stating that the foreclosure stands because they did not have verification of my employment start date. I expressed my disagreement with that response. I never heard from Wells Fargo again to this date. I received an eviction notice from XXXX XXXX XXXX in XXXX, XXXX. I also received a cash for keys letter from a XXXX XXXX XXXX at the same time stating that they were a DBA for Wells Fargo and they are handling my loan. Neither of the companies knew the status or process that was going on from each company regarding my loan. It is my prayer that something is done to save my home from this wrongful foreclosure. I have been very ill and had a XXXX due to the situation. I would like to file a complaint against Wells Fargo for wrongful eviction. Also the paperwork noting the sheriff 's sale which is attached to the eviction notice from XXXX XXXX XXXX does not appear to be signed by an individual. It appears to be cut & paste. I'm am attaching a notification regarding a class action lawsuit regarding XXXX XXXX XXXX for the manner in which they participate in foreclosures. I am also attaching other correspondence relating to my situation.
Bank of America charged an annual fee of {$79.00}. Although they were charging this fee for the first time ( they do n't charge it the first year to get people to sign up ) they would n't refund the fee even if the account was cancelled. They claim to have sent a notification email, however they made the subject of that email " Your Credit Card Legal Notices Are Now Available '' no mention of a fee. In fact, to see the details about the fee you 'd have to click on a link inside that email and be redirected to their website. Although the fee is for the coming year, 95 % of which is still unused, they refused to waive the fee, or even prorate it saying that once it 's charged they wo n't refund it. This is clearly predatory behavior aimed at bilking unsuspecting customers the vast majority of whom would n't even open an email with the subject line above.
XX/XX/XXXX I filed for Chapter XXXX bankruptcy as I had lost my job and needed relief from unsecured creditors. I was granted this relief in XXXX XXXX. My mortgage is serviced by Ditech financial. This loan has never been late or short in any way since taking out the mortgage in XXXX. After filing the BK the statements changed to a notice for " informational purposes only ''. I understand this because of the BK but it has now been discharged and Ditech is not reporting the payments to the credit boroughs so the good payment record I have with them is not showing. I am trying to get back on my feet and have always done right by Ditech. They refuse to let me know the payoff amount and will not report to the credit boroughs. They still happily take my money each month though.
Transunion shows XXXX 's on my credit file as a charge off and there is no charge off Charge off is the same thing as not paid. 
I have provided a letter from XXXX 's Credit department.
Midland funding continues to report debt on an account that is not mine and a result of identity theft.
The problem is with my Banco Popular de Puerto Rico credit cards. Last XX/XX/XXXX, we purchased some windows from XXXX XXXX XXXX in PR for {$10000.00} plus {$2600.00} ( installation cost ). The deposit appeared on the XX/XX/XXXX statement and remaining balance charges appeared for the first time in the XX/XX/XXXX, statement. Even though the company offered 10 years warranty, as soon as they were installed we have noticed that the windows do not open/close properly, some mechanical parts broke, etc. This all happened in the middle of Hurricanes Irma and Maria problems in PR. We did our best to reach the seller and filed a complaint with them but there has been no response. Our last contact with the seller was on XX/XX/XXXX via email, but have not received any response. On XX/XX/XXXX, we filed a complaint with Banco Popular de PR, and today the Bank called to state that my complaint was late and that they were not going to process it. I understand the delay, but the bank should take into consideration that the quality of the purchased products could not be assessed before the windows were installed, that happened in XX/XX/XXXX. The bank should also take into account that the hurricanes were the main cause for the " delayed '' filing.
We closed on a refinance with XXXX XXXX Loans in XXXX 2015. ( XXXX XXXX ). Prior to the XXXX payment date XXXX sold our mortgage to LoanCare. My wife and I have been homeowners/mortgage consumers for over XXXX years and have never repeat never been late with mortgage payments. My opinion, following our efforts to have LoanCare properly credit our XXXX and XXXX payments, is that this organization would have to improve dramatically to be deemed incompetent. 
We had not received ANY documentation from LoanCare prior to the first payments due date. XXXX had notified us, in writing, that they had sold the loan but no new loan numbers were provided. My wife made the payment using tne ONLY loan number we had at that time. It was, of course, the XXXX loan number. My wife scheduled the payment that was due XXXX XXXX, 2015 through a " bill pay '' service with our bank that has never failed to work properly in the past. According to bank records, this check was cashed/deposited by LoanCare on XXXX XXXX, 2015. After multiple calls, with many people who have apparently been through no customer service training whatsoever, it was determined that our payment had been credited to an account carrying a LoanCare number that matched our XXXX refi loan number. Correcting this error would seem to be fairly straightforward however this has yet to occur. Both my wife and I, on separate occasions, have been assured that the problem was addressed AND that with new mortgages they will not report late payments for the first XXXX days. Upon returning from a business trip last evening, my mail contained XXXX notifications, both dated XXXX XXXX, that our loan was " in default '' and action needed to be taken. As of this writing, we are XXXX days into trying to receive recognition for PAYMENTS ( XXXX ) that we have made, in good faith, to an organization that seems to be procedurally challenged. My concern is this : once the XXXX day period has passed will LoanCare begin to report my wife and I to Credit reporting companies and damage our FICO scores? The fact that we have dutifully made our scheduled payments and made repeated efforts to work with them to assure these payments are appropriately credited and reflected in their records but have yet to accomplish this, would make errantly reporting negative credit information a serious and unwarranted attack on my wife and I. Should this occur, and my wife 's or my own FICO scores be negatively impacted because of their flawed processes, I believe that it could expose them to serious liability.
Chase Freedom credit card advertised 5 % cash back rewards for restaurant purchases made from XXXX/XXXX/2015 through XXXX/XXXX/2015. They did not honor the 5 % cash back rewards for several restaurants including XXXX XXXX in XXXX, XXXX, and XXXX in XXXX, XXXX. These establishments are solely restaurants and do not sell anything else so there is absolutely no reason that they could be called anything other than a restaurant. When I saw on my statement that I was not given the 5 % cash back rewards I asked them to honor their promotion as advertised, and they denied my request claiming they categorize these restaurants as 'grocery stores ' or 'convenient stores. ' This is clearly false advertising and tricking the consumer to use their credit card with the promise of receiving rewards, which are then not given.
I have been Paying on a car loan for the last year that XXXX XXXX XXXX has not right to collect on the dealer were a bought the car has not profected the lien in the car I also do not have tag or registration for tha car in addition the dealer had over advanced the loan to get me to buy they car buy cutting me a check back out of the loan proceeds with out Nissan knowing about it there is also Incorrect info on my credit app.
I applied for IBR twice in 2016 because I 'm no longer working. They requested proof of my husband 's income which I sent in. They rejected the information that although the income information letter included his weekly salary.
My friends and I were visitng  XXXX  and purchased gemstones from a jewler on  XX/XX/XXXX  and  XXXX  2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of  XXXX . We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by  XXXX  to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Capital One ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. Copy of correspondence with the bank is enclosed.
Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards Discover & XXXX which use XXXX service ( run by XXXX ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and Discover card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. XXXX just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as Discover and XXXX take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.