WillisBack/dataset-financial-user-claim huggingface dataset:
NorthEast Recovery Solutions LLC XXXX north XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXX contacted me regarding a debt I owe. The message they left on a business phone contained most of my personal information. It also contained language about a pending complaint filed against me in my county. I called them back at the number they provided- they gave me more data, but would n't let me talk in any way. Then my husband called them back, she did n't verify any data, just proceeded to give him all of the information and then proceeded to insult my character on the line. She would not provide any data as to who her company was or their contact information. I called them again and asked for her supervisor, her supervisor said that she sits right next to this person and that she did everything right. That she would not review her call and that she, the supervisor, had no superior to speak to. 
They proceeded to dial over and over again to all of our numbers, from phone numbers that varied. When I called back to discuss the reference number they left me and to ask them for their company name and contact information - i was disconnected. 
I called back and was told that I need not call them again as they would file harassment charges against me for merely asking them to identify themselves. 
The woman proceeded to contact my husband, to tell him that I was threatening them and using foul language with them. Complete and total lie. 
I filed a complaint with my Attorney General who confirmed they are n't even licensed to collect in the state of Colorado. 
Not only would they not identify themselves, they gave away personal information without verification, they defamed my character, and then would n't deal with me on my own debt and threatened to file legal action against me for wanting to know who I was dealing with. When i asked them to only communicate with me via mail, they said that I did n't understand the law and that they could do whatever they wanted to collect the debt. Additionally, they do not let you speak. XXXX XXXX or XXXX and XXXX XXXX were horrific and impossible to deal with.
My bank is Bank of America. A charge showed up on my account that I do n't remember authorizing and I did n't recognize the merchant. I tried to dispute the transaction by calling the phone number, but I was on hold for over 15 minutes.
Safco Acct XXXX is reporting on my credit report. 
Contact Number XXXX Purchase date XXXX XXXX XXXX Voluntarily surrendered the vehicle due to lemon car Voluntarily surrendered Vehicle call in on XXXX XXXX, XXXX to have the vehicle picked up. The vehicle was picked up on XXXX XXXX, XXXX. The vehicle was auctioned on XXXX XXXX, XXXX. I spoke to XXXX in the Deficiency Department on XXXX XXXX, XXXX. Per XXXX the information is accurate this vehicle is notated in their records as a voluntarily surrender and this vehicle was auctioned off on XXXX XXXX. XXXX contact is XXXX along with his coworker XXXX I Dispute with the credit bureau no actions were taking on behalf of Safco after disputing. 
I am asking that this be DELETED from all Credit bureaus. XXXX, XXXX and XXXX.
HSBC sent me an email today telling me I had a statement ready to be viewed. I called HSBC and was told it was a savings account. When I called up I was told I had payment due in 8 days. They told me I owed {$2100.00} and there was nothing they could do for me.
There is a motion on XX/XX/XXXX @ XXXX XXXX XXXX courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. 
XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans XX/XX/XXXX. 
1. Got out of non-jury trial XX/XX/XXXX which I knew before walking in Judge chambers I was going to lose. 
2. Five Year Statute of Limitations XXXX SOL XXXX Expired XX/XX/XXXX. 
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : FORGED SIGNATURED & NOTARIZED ON ORIGINAL MORTGAGE, robo signing, testifying. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX at non jury trial, it is sad and unacceptable how all their lies, fabrication, abuse of justice system were allowed into evidence. My Forensic Examiner/Witness testimony to original mortgage & note signatures being 100 % forgery was not allowed by XXXX XXXX Court. XXXX law firm does all plaintiffs dirty work. Attached is the letter from my Forensic Examiner to this fact. 0 DUE PROCESS!!!! 
4. Force placed homeowner insurance obtained at illegal price gouging rates three, four times normal amount. Obviously this bank makes huge amounts of profit on this type of insurance they claim to buy & with whom of their choosing of course. 
5. I was told by attorneys at XXXX XXXX Courthouse XXXX XXXX does not ever lose a foreclosure case XXXX XXXX XXXX even with 100 % FRAUD XXXX. Our once sacred courthouses have been taken over and preyed upon by this mammoth corporation. 
6. XXXX XXXX XXXX XXXX XXXX. ( yes same XXXX here XXXX is scheduled to open oral arguments XX/XX/XXXX before Florida 's Supreme Court addressing addressing the 5 year Statute of Limitations. SOL has expired on this closed case.
I have had my my personal information stolen a few years back and accounts are in my name that I did authorize or was aware of of.
I have a consolidation loan with One Main Financial. On XX/XX/XXXX I called and requested that my due dates are permanently moved to the XXXX of each month. I spoke with a XXXX XXXX XXXX who advised me that it would be no problem. I just needed to sign the forms via E-Signature. I did so immediately. On XX/XX/XXXX they attempted to take the money out and since I didnt have the money it did not clear and I was charged {$30.00} from my bank for insufficient funds. I called on XX/XX/XXXX to see what happened and make sure my payment was made for XXXX. The branch manager, XXXX XXXX, out of XXXX Oregon was rude, condescending and not helpful at all. He said you wouldnt refund the {$30.00} even though it was their mistake. I proceeded to agree to the one time payment of XXXX. Today, XX/XX/XXXX I noticed that I was charged XXXX twice ( 2 separate transactions ). I called and spoke with XXXX XXXX again who was even more rude this time and stated they didnt see I was charged twice. I proceeded to email screen shots of my bank statement and called right back. XXXX XXXX advised me that things happen and he would submit a reversal and says hopefully you can get your money back in the next 10 days. 

This is a UDAAP violation and has put me in a serious financial issues. I need my money for my rent and this company is essentially taking my money without authorization and not even saying they will get my money back to me
I was hired on initially at XXXX XXXX before my screening was ordered. I really like the job, my assessment I completed recommended me for the job. I had a problem with getting my ID in time and also was kicked out in XX/XX/XXXX. You can not have any Felonies for the last 7 years and work there. Well XX/XX/XXXX was my 7 years, as of XX/XX/XXXX I and felony free and can now qualify to work there. Now I have my ID and went back there and presented my ID. Now they have a problem with the way Case 2 of XX/XX/XXXX is worded, Attempt of a class 4 felony, because it has the word felony in it. They are unsure and requested I submit this letter to have the word felony removed from it, as it is only a misdemeanor. Can you please remove that word and only put that is a misdemeanor. It makes it look like I have a felony and It is hindering me from getting a job that is really like. I think its unfair because I qualify to work there, but because of that word felony is on it. They are unsure. Thank you
When I asked them to cut what I owe in 1/2 the gentleman called me a XXXX XXXX XXXX so asked them to never contact me again and now they are calling my place of employment and harassing me at work.
I am XXXX years old, in poor health, living with my daughter in XXXX, and unable to travel except with extreme difficulty. I 'm writing because I am a long-time customer of the XXXX ( I used to live in XXXX ), a part of New York Community Bank. On XXXX XXXX, 2016 a CD of mine in the amount of {$15000.00} matured and did not renew. I want to transfer the {$15000.00} to my XXXX XXXX checking account via on-line banking, as I expect to need that money for medical treatment purposes. I have been told by the bank that I can not do so on-line but, rather, must travel to my old branch in XXXX XXXX, XXXX in order for them to allow me to move the money to my checking account. Until I do so, the {$15000.00} effectively is frozen, and I can not access it. I believe this travel requirement imposed by my bank to be an unfair and illogical requirement ( the bank can easily verify my identity over the phone ), and an extreme hardship for me. It will take me all day to get to the branch and back home, and the long car will be difficult and in fact painful for me. I ask that you assist me in this regard by requiring the bank to allow me to transfer my own money to my checking account.
American Express Date open : XX/XX/XXXXAcct # XXXX**** Started the dispute process with XXXX on XX/XX/XXXX - than again on XX/XX/XXXX then again on XX/XX/XXXX - each time since then every few weeks I call for a follow up to American Express along with XXXX the account itself has no deletion date and its over now 10 years old acct open : XX/XX/XXXX account was apparently from what the rep in XXXX told me XX/XX/XXXX - charged off which means I went delinquent 6 months prior to that date because it takes 181 days to charge off an account than I was told by XXXX location in India that no really the account was charged off in XX/XX/XXXX of XX/XX/XXXX than I was told on another date that really the account was n't charged off but its still an open account that needs to be paid. this has been going on and on since XX/XX/XXXX of this year we are literally already in XX/XX/XXXXalmost at XXXX and have received no follow up and no clarification of what the time line is - the debt itself is past the statue of limitations and should be removed all together.
XXXX has had little to no help at all with this account for me in fact I have been bounced around like a potato
My mortgage company, XXXX serviced by Nationstar Mortgage LLC continues to misapply my monthly payments. 

I have always paid my mortgage payment twice a month. This service provider recently purchased my servicing rights and sends me a past due notice every month stating that they have n't received my payment. After I call, they then find my XXXX payments and apply these to the mortgage. Every month I 'm told it has been corrected and wo n't happen again. I 'm tired of this run around. I believe this is a violation of the Prompt Payment section of the Dodd Frank act. 

This monthly call is a nuisance. My fear is that I 'm going to forget to call XXXX month and Nationstar will report negatively to the credit reporting agencies. Also, I 'm unsure that my payments are actually being processed correctly since I have not received a statement showing payments applied since Nationstar took over servicing rights.
I attempted to pay my monthly mortgage payment of {$1800.00} to SLS by phone today, XX/XX/2018, and the automated service rejected my account number on 5 different calls from me. I then called every number I could find and I got the same recording stating that " our office is closed for a company meeting. Please call back in 30 minutes '' on each different line! I kept trying throughout the afternoon and NEVER got through! 
I have paid my mortgage on time for 13 years and I'm very concerned about this! Today is Friday so that means I can't get through to SLS until Monday, putting me in the penalty zone for late payment.
sw credit systems inc. for XXXX. my credit report states i owe them XXXX. I have no idea what this debt is?
I Was In A Chapter XXXX Bankruptcy When Nationstar Purchased My Mortgage. Nationstar Failed To File The Proper Doc. With The Court So The Court Held Their Monies For 10 Month Until The Docs. Were Filed. At Such Time The Monies Were Released And Nationstar Was Paid Current. Upon Exiting Bankruptcy Nationstar Informed Me I Was 10 Months Behind. I Obtained Court Docs. And Bank Statements Proving All Payments Were Made. They Still Said I Was Behind And Proceded With Forclosure Till I Signed A Loan Mod. Which Was 40 yr. I Only Owed 15 yrs To Start With.
I worked with a real estate agent in XXXX KS who helped me buy a house which ended up needing a structural engineer and an inspector to pass for the loan, the inspector said NO, the engineer said yes, but the house has significant structural damage and excessive repairs that exceed the loan amount. Ive never lived in the home for 8 yr but paid on it. Asked XXXX to buy back loan within XXXX of loan they agreed but never did. I am on XXXX and house is uninhabitable and was lied to from real estate agent to engineer to XXXX, the loan was sold to XXXX XXXX XXXX who would not listen, now its with Penny Mac.I 'm facing XXXX. No mechanic, inspector, or the like will work on the home due to the liability. Attorneys and everyone is afraid of the costs, I just want my loan money back and my good credit restored. I am homeless, this should never have happened.
XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon Trans Union and XXXX   Credit reports to verify the information they are reporting. Trans Union previously responded, in writing, that the following accounts are not on my Trans Union Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) XXXX provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second Trans Union continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which Trans Union is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise Trans Union would have reported the amount of the the debt. 

Both XXXX and XXXX have complied with the request to remove the wrongful reporting, but Trans Union does not. This appears to be a pattern for Trans Union as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor XXXX XXXX/XXXX  have a legal right to continue misreporting this information. 

XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX, Trans Union, XXXX, XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. 

My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : XXXX99 % On-Time Payments. 
*26 year old credit history line. 
XXXX30 % Credit Used. 
*No Recent inquries. 
*Even though I am handicapped  due to your scoring for recent accounts, none have ever been late. 

I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.
I had a car with Santander Consumer USA. The car was totaled and my insurance paid the car off. This account is reporting late & was never late. My insurance company paid the car off. This reporting does not reflect my credit worthiness, and has severely affected me. I was just made aware of this reporting from my employer. I work with consumer financial info and I am required to keep a certain credit report. This inaccurate reporting can lead to termination of my job, Please correct this and delete this late.
Paid the full balance due on the date the payment was due.I received a bill for the Interest for the month the I just paid for.I never had a bill that included a pay-off amount that was in correct and nowhere on the bill does it say the pay off amount is n't really the pay-off amount.I received a bill for a month of interest.even though I send a check to pay the card off.It 's a sneaky way to make Millions of extra money on the backs of Consumers who does not know.They also have a call center that purposely discourages anyone to use it because the average wait time is anywhere from 45 minutes to 2 hrs.
This company santander. They have been removed form my other accounts but they are still showing on my XXXX. I disputed with XXXX  because the first date of deliquincy on the account was in XX/XX/2011 and it never went paid as agreed until the accoutnwas charged off. I disputed with XXXX and the company changed the first day of deliquincy to XX/XX/2011 so that they can keep it on my credit report for longer. Then they put no reporting so they can continue to keep it on my report
I was a Bank of America credit card holder for about XXXX years ; after XXXX years of paying my monthly payments on time ( sometimes few days late ), on XXXX XXXX, 2015 I paid my balance in full. On XXXX XXXX, 2015, Bank of America sent me a letter announcing that Bank of America Card Services has closed my account due to my FICO score!! Clearly Bank of America was not concerned about my FICO score when they were extracting high interest from me every month ; however, as soon as I paid the balance in full my FICO score became an issue. Needless to say my credit score has been adversely effected by this action. Is this legal? Is this fair?
I am expecting a {$3000.00} bank transfer from Chase. I have a XXXX XXXX XXXX Account. The deposit is for identification replacement purposes, legal expenses, and miscellaneous expenses such as academic, real estate and other expenses like specific types property damage repair. Chase refused the transfer and banking services and would not let me access my own assets. The transfer is from a joint account with XXXX XXXX. XXXX XXXX already authorized the transfer and Chase attempted to cancel it. I would like to know why Chase is playing a grand larceny game again. They also give access to identity thieves like XXXX XXXX instead of approving a bank transfer to authorized parties.
Sallie Mae basically refuses to offer any help to me since I have a private loan. My co-signer and I can not afford the {$1100.00} payment/ month. They have told me numerous times to apply for the " rate reduction program ''. Both times, we failed. I received legal advice from my attorney, and he says they 're completely in the wrong. When I told Sallie Mae that I have an attorney, they basically tried to cover their tracks and asked me to apply for this rate reduction program again. After leading me into forbearance for nearly a year, my total loans has gone up {$4500.00} in interest. I 'm out of options.
My mortgage company, SLS, is denying me the opportunity to short sell my rental home in XXXX, TN. I received a foreclosure notice on XXXX XXXX, from their attorney, XXXX XXXX XXXX, giving me only XXXX business days to request a short sale. I called SLS, and they stated that their policy was to only accept short sale applications if they were submitted with at least XXXX calendar days to process the application. This is an injustice and I ask HUD to intervene on my behalf to allow me to have adequate time to short sell my property. 

Thank you, XXXX XXXX
Contacted original creditor XXXX Hospital to request account was pulled from collections with Capio due to XXXX  XXXX at the time of medical care and did not provide HIPPA authorization to extend to 3rd party collections
At the end of a XXXX year lease with Honda I owed approx {$410.00} which included the final monthly payment of {$280.00} with the remainder representing mileage charges. In attempts to collect the money owed Honda sent me several demand letters. In one such demand Honda offered that it would reduce the balance owed by approx 25 % XXXX approx {$300.00} XXXX and that if I paid the reduced amount by a date certain the remaining balance of approx {$100.00} would be reported to the credit reporting agencies as payment that was 30 days late. As the letter indicated I accepted the offer by making out a check to Honda in the amount specified.I mailed Honda the check. Honda accepted and deposited the check. Since accepting the offer and having made the payment to Honda, and Honda having accepted the payment, Honda now continues to demand payment of the remaining balance and has sent me letters stating that my account is past due. On XX/XX/XXXX, 2018 a Honda representative called me and demanded the remaining balance and advised me that if I did not make the payment Honda would report to the credit reporting agencies that my lease agreement was in default. The representative went on to threaten me and said if I did not make the payment my credit would be severely affected. I believe Honda 's collection tactics have been discriminatory on the basis of my sex and race. I am a XXXX. This is a definite bait and switch tactic used by Honda to induce me to enter into an agreement that Honda no longer wishes to honor. Honda has misrepresented its intentions and the offer it made to me.
On  XXXX   XXXX , I calle d Citibank to  inquiry about an adjustment to my interest rate on my account. I first spoke to a representative who transferred me to an agent in Florida for further assistance. The Florida agent listened and placed me on hold for period of time while she researched my account and reviewed available options. She advised me that I had a current offer for a new purchases and she had to work with a manager to have that removed before anything could be applied to my account. The associate told me she would look into my account once the current offer was removed, and would call me back on  XXXX   XXXX , to discuss what could be done.   On  XXXX   XXXX , I received a call from the Florida call center, (  XXXX  )  XXXX , on my cell phone at  XXXX   XXXX  EST. During the call, the agent apologized for not calling me on the  XXXX  as we discussed due to her son being ill. During th e 5 m inute call the agent told me she was able to get a 0 % applied to all EXISITING and new purchases for 12 months on my account. I questioned her, and the agent informed me that yes, this will be on all new and existing balances and she stated that this will really help you make a large dent on this balance. I was read a disclosure during the call that informed me that I would have a 0 % rate on my account for all new and EXISTING purchases for 12 months and that I would receive a letter outlining the terms of the offer ( which I never received ). I agreed to the terms that were read because she read the terms that stated the 0 % would be applied to m y EXISTING b alances for 12 months. I also questioned the agent about the finance charges, and she also told me that she was able to get 2 months of finance charges credited back to my account for a total of {$1000.00}. I thanked the agent for all of her efforts and the call ended. Upon receipt of my newest statement on  XXXX   XXXX , the interest rate was not reduced as I was advised. The 2 months of finance charges were applied, however, my current rate on my account is the current of 23.99 %, which is not what was discussed, and not what the disclosure had stated. I feel this is a violation of Regulation Z, informed use of credit, and is another instance of false and misleading tactics fr om Citibank on a long history of lies, misleading information, and deceptive tactics. The agent advised the call was being recorded, and I feel Citibank  should be required to honor the terms of the disclosure that was read and discussed on the call.