WillisBack/dataset-financial-user-claim huggingface dataset:
These people are calling saying they are from ADR Arbitration Group in New York and if I do not pay or contact them back within 24 hours they will have me prosecuted to the fullest extent of the law.
Amount they are claiming I owe XXXX : {$80.00} They have called my personal cell phone number from the number ( XXXX ) XXXX on the following dates and times : XX/XX/2018 at XXXX XX/XX/2018 at XXXX XX/XX/2018 at XXXX They also used the following number on XX/XX/2018 at XXXX : ( XXXX ) XXXX I have received multiple collections letters in the mail claiming to be coupons and other misleading things from this company. 

On XX/XX/2018 this company called my girlfriend on her personal cell phone number at XXXX from the number XXXX XXXX XXXX XXXX. 

They also called her number on XX/XX/2018 at XXXX from phone number XXXX XXXX XXXX XXXX When answered the calls are completely silent. Upon calling them back it's revealed that its this collection agency. 

This debt is originally owed to XXXX from a no contract phone service. They keep reporting to my credit as a recent debt to keep collecting. I've checked my credit reports and their claim keeps getting updated as if I just acquired it.
I had no credit history as of last XX/XX/XXXX but worked with a local XXXX XXXX XXXX to build my credit scores in order to purchase my first home in 30 years. I got my XXXX score to XXXX in XX/XX/XXXX and moved forward with a lender to purchase my first home. Now my XXXX score is XXXX also, but Equifax will not cooperate. They don't show that I have any tradelines even though I have had two since XX/XX/XXXX and 4 since XX/XX/XXXX. I have spent countless hours with my lender and other professionals in the financial community to figure out why Equifax will not record a score and they have spent hours trying to help me. I have called them at least 6 or 7 times and no help. They sent me a form letter saying " the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. I faxed and mailed all they asked for and more and they mailed me a similar form letter. Again, I sent them all the info they were asking including both previous and current Drivers License ( previous and new name ), both Social Security Cards ( with current and previous names ), Court Document showing my name change signed by a judge, electric bill ( XXXX XXXX ), photo copies of my credit cards, and payoff statements for all my loans. These I sent two and three times ( the first time I didnt include my name change ). I have now received 5 similar or duplicate form letters every time I have tried to get answers. I dont know what else to do neither do the professionals who are helping me. Equifaxs lack of professionalism is holding me hostage from owning the home I have worked hard to get. They are the only barrier and they will not cooperate.
I am a victim of identity theft. The  XXXX  account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  XXXX , Experian or  XXXX   XXXX  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX
On  XXXX   XXXX ,   XXXX   I sent a certified letter to Transunion regarding unverified negative items being reported on my credit report. I specified that I was requesting TransUnion to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifiying on my report After Transunion 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at TransUnion regarding these negative items and have yet to get this resolved. TransUnion has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX . Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or an y 3rd parties. I decided to call TransUnion back, spoke with another rep this time and they advised me  that the information is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke with a  manager that stated that since this was a reinvestigation, no runner was involved. The manager  advised me that TransUnion uses a " form '' that they send to the courthouse. I asked what type of " form '' and where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. TransUnion refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.
Capitol One requested a copy of my credit report and has approved a credit card in our name my husband and I.I did not apply for it.
XXXX XXXX  from Portfolio Recovery contacted my cell phone. My spouse answered the phone and identified himself and asked whom he was speaking with and Miss XXXX tried to end the call after asking for me and being told I was not available. My husband pressed to find out who was calling and why. After being ID 'd she immediately went into FDCPA and SOL statement before identifying the company.

After interrupting, and being told she would not give the account ID or her supervisor an offer to settle or cease to call the cell phone was given. She stated she would not honor a verbal cease and desist on a cell number ( that was not authorized to be called ) and that it needed to be in writing.

Her supervisor took over the call, XXXX XXXX, and did a good job of diffusing the situation. We were unable to resolve the debt, the verbal C & D was noted, but still told had to be in writing ( on a cell # not authorized to call ).

Rude, unprofessional, wrong on not honoring C & D.

An email communication was sent on the Portfolio Recovery website for the written C & D.
HIPlease explain while you linked this Barclay account opened on XXXX a prior Barclay account that was opened before the consumer filed Bankruptcy in XXXX. 
Please note your statements for the Barclay Account opened on XXXX/XXXX/XXXX you provided the consumer in your first response to CFPB complaint ref # XXXX by this consumer shows your continually accessed a bank account that had been closed by the consumer for over ten years and revealed the linked to the first Barclay account the consumer opened prior to a Bankruptcy. 
Also the consumer never requested or gave permission to Barclay to upload the statements for this account to the CFPB website on the complaint # XXXX dated XXXX/XXXX/XXXX. This prior complaint was a request for the address to Barclay 's fraud department to submit a FTC Fraud Affidavit and the written instructions.
Nelnet has organized my loans into groups ( Group A, Group B, Group C, etc. ) and lists an " interest rate '' for each Group. For almost two years, I have been diligently making extra payments to the groups I believed had the highest interest rates. 

I recently discovered the 6.276 % " interest rate '' listed for Group A is misleading. Group A actually contains XXXX separate loans : Loan XXXX ( about {$20000.00} ) is at 6.8 % interest, while the other XXXX ( totaling about {$10000.00} ) are at 5.41 %. So, even though I believed I was prioritizing my highest interest loans, I have been missing a {$20000.00} loan hidden among loans with lower ( in fact, the lowest ) interest. 

This seems unfair and I can not help but suspect these groupings are intentional. A student loan servicer should not be able to hide high interest loans in a group with low interest loans, especially when that makes the entire group appear to have a lower interest rate. 

When I first spoke with Nelnet, they informed me the only way to apply payments strictly to Group A, Loan XXXX was to make a payment to all of Group A, wait for it to clear, and then contact their accounting department to reallocate the payment. This whole process would XXXX XXXX days. Concerned about the delay and the prospect of having to do this for every payment, I then asked them to separate my Group A loans by interest rate. They claim they are processing the request. 

I feel misled, but I am less concerned about my own situation than by the prospect of others having the same experience. This seems unfair and deceptive and I hope the Bureau can investigate whether Nelnet uses this practice regularly. 

Thank you for your assistance.
There is a judgement on my credit report that does not belong to me. The credit bureau deleted the account from the collection agency but has not removed the judgement, which is the same item.
I have been paying on a debt that Portfolio Recovery said that I owed I have asked for confirmation of the debt. I have been paying for 8 months and they have still not provided me with proof of the debt. I know XXXX credit card only had a credit limit of XXXX and by the time I finish paying for the 12 months I will have paid more. I live on a limited income and this month it will be hard to pay and they threaten to make me pay more. They are also trying to collect on a XXXX card which they again have not sent proof. I have been holding up to my agreement and they have not held up their part by sending proof. They have only harassed me and threaten legal action. XXXX credit card is for XXXX which I have been paying last 8 months and only had a credit limit of XXXX. The other card is a XXXX XXXX which I have been paying {$150.00} a month for by the time I am done will be almost {$2000.00}. Then they are saying there is another XXXX XXXX credit card which they are saying is around {$3000.00} I never had a card with that big of a limit. None of these cards have they sent me any proof of what is owed and paying this is becoming financially difficult and I believe I should have proof.
Homeowner XXXX XXXX, an XXXX year old widow, is being unfairly taken advantage of by servicer of his reverse mortgage, Financial Freedom. In XX/XX/XXXX XXXX , XXXX was approved for a Florida Hardest Hit Program ELMORE ( " Elderly Mortgage '' ) grant to pay off delinquent property taxes and property insurance that he fell behind on after his wife died in XX/XX/XXXX. This program grant paid Financial Freedom a total of {$37000.00} on XXXX XXXX 's behalf to cover the unpaid property charges. Of this, {$29000.00} was for past-due property charges that became due before XX/XX/XXXX and {$8000.00} was to be used by Financial Freedom to pay prospective property charges that would become due during upcoming year. The ELMORE Grant Award letter is attached to this complaint for your reference. The {$37000.00} in grant funds were paid over to Financial Freedom on XXXX XXXX 's behalf on XX/XX/XXXX. 

XXXX XXXX 's flood and property insurance policies both became due in XX/XX/XXXX. XXXX XXXX contacted Financial Freedom to make them aware of the upcoming renewals in XX/XX/XXXX. He followed up with his written request that Financial Freedom use the money that was paid to it on his behalf to pay for the insurance policies several times in XX/XX/XXXX and XX/XX/XXXX. 

Despite having more than sufficient funds and information to pay these property charges Financial Freedom has ignored XXXX XXXX requests and has refused to use the {$8000.00} to pay the property charges. Financial Freedom has misappropriated the funds it received on his behalf and refuses to use them for his benefit, as they were clearly intended for. Financial Freedom is effectively stealing money that it received for XXXX XXXX and apparently using that money for its own purposes.
I received a letter by mail from XXXX XXXX XXXX XXXX stating that my PayPal balance was in debt and i owed {$280.00}. This statement is wrong. After logging into my account online through their website I see that my balance is {$0.00} and i do not owe any money.
Rude and continued to talk over me while explaining that I was at work and would not discuss the matter. Continued talking then made rude comments that he isnt the one who didnt pay their bills and he didnt care about my issue. 

Each time I stated I was at work, he continued talking over me and was rude. I do not know how they even found my work number because I do not write it down nor call it. 

In addition, I looked the number up and it was a personal phone number used not a business and I am concerned this person has my information and may not be secured. I did not verify any information except that the company in question refused my payments I was making when I was unemployed and had no money.
Equifax received my second dispute of inaccurate, unverifiable information reflected on my credit report on XXXX XXXX, XXXX. I have disputed the following accounts : XXXX XXXX XXXX XXXX ), Medical Account # XXXX, Medical Account # XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX, XXXX ). Equifax sent a response dated XX/XX/XXXX ; however, the 30 days to respond ended on XX/XX/XXXX. Additionally, ( see attached envelope ), I received this response on XX/XX/XXXX which is 10 days past what they have dated. Consumer law only gives them 5 additional beyond the 30 day investigation for delivery of response. 

I have provided documentation to Equifax on numerous occasions ( see attached ) to support the fact that the aforementioned companies are blatantly reporting inaccurate, unverifiable information. To prove my point, in my letter dated XX/XX/XXXX to Equifax, I specifically requested that they state what method of verification they utilize. To date, to no avail. Additionally, I provided them with the letter I sent to XXXX XXXX being undeliverable based on the address Equifax was reflecting on my report. How then were they able to verify this information with this company, yet the letter was returned to me undeliverable? Also, Equifax noted in their XX/XX/XXXX response that there was only 1 XXXX account reporting for their bureau ; that is a lie ( see attached credit report that I paid for dated XX/XX/XXXX, five ( 5 ) days after they supposedly sent my response ). Further, I sent Professional Debt a letter seeking verification of the entry they are reporting on my Equifax report ; again NO RESPONSE NOR REPLY FROM THEM. I then followed back up with Equifax providing copies of return receipts and letters sent to them, yet this item has not been removed from my report. 

These account entries all contain inaccuracies as well as lack verification from the company. It 's obvious that Equifax has no regard for consumer law and protecting my rights by ensuring that items reflected on their report are accurate, timely, and verifiable. Lastly, since Equifax did not respond to my request within 30 days, ALL ACCOUNTS I DISPUTED SHOULD BE DELETED FROM MY EQUIFAX REPORT! This bureau is violating my consumer rights with its reporting and continues to do so even after I have provided all supporting documentation.
I purchased a car in XXXX/2017 the car dealer sent my information to over a XXXX  financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.
We completed a trial modification in XX/XX/XXXX that we were offered through XXXX. XXXX took 90 days to finalize the modification and then changed the terms of what we were offered in the trial. We were offered a Home Affordable modification. XXXX sent a letter stating that they offered that incorrectly and offered an in house modification. We submitted 2 more payments in addition to the 3 trial payments in XXXX and XXXX. XXXX sent us permanent modification documents and requested we return them by XX/XX/XXXX and the first payment would be made on XX/XX/XXXX. We returned the paperwork and made the XXXX payment. We are waiting for XXXX to finalize the modification. We requested principal forgiveness because the house is not worth the amount of money. Wells Fargo is the noteholder and is refusing to honor principal or interest forgiveness. XXXX did 3 different appraisals. In XX/XX/XXXX, the house was appraised at {$440000.00}. In XXXX they appraised the house at {$740000.00}. The house could not have gone up {$300000.00} in 6 months. We received a notice that there is a status hearing on XX/XX/XXXX at XXXX. We have submitted all this paperwork to the court. Now we may have to have the additional expense of hiring a lawyer.
I called XXXX the end of XXXX and I was informed by the agent that Deutsche Bank National Trust was the investor for my mortgage ( loan number XXXX ). I called Deutsche Bank National Trust ( using the phone number provided by XXXX ) and was directed to speak to XXXX. I wast told that he handled the mortgages handling for the state of Virginia. I reached out to XXXX on XX/XX/XXXX via fax to explain my concerns and issue with identification of the investor on my loan and the negotiated payoff offer. I left several messages over the next few days and then spoke to XXXX directly the first week of XXXX. He explained that " XXXX continues to makes mistakes by misinforming their customers that Deutsche Bank National Trust is the investor on their mortgages. '' He continued " we have issue with XXXX sending people out was with the wrong information and I may be able to help identify who the correct investor is on your mortgage ''. After this conversation we shared the following email correspondence forwarded below in this email. I responded to XXXX email with the information provided, however he has not returned my phone calls nor responded to any follow-up emails. I reach back out to XXXX escalation department several time and they continue to identify Deutsche Bank National Trust as they investor, however they continue to deny that fact.
MY NAME IS XXXX XXXX XXXX I AM A VICTIM OF FRAUD IVE REACHED OUT TO THE CREDITORS AND INFORMED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY. 


LIST OF FRAUDULENT ACCOUNTS 1 ) SANTANDER CONSUMER USA 2 ) XXXX
I have a auto debt reposesion since 2010 in my credit report. Is more than 7 yrs.
I have been repaying student loans mostly consistently since 2005. I have XXXX loans, XXXX Private unsubsidized, XXXX federal ( XXXX subsidized and XXXX unsubsidized ). The total amount borrowed since 2005, the XXXX is {$50000.00}. I recently checked the amount I paid over XXXX years of repayment and have paid nearly {$19000.00} in interest only payments on these loans with principal only being reduced slightly by approximately {$2500.00}. 

As of today, XXXX XXXX. I still owe in the ball park of {$47000.00}. I recently spoke with Navient to explore ways in which I can repay these loans back faster because I feel like the amount I 've been paying should have reduced principal more than {$2500.00}. Considering I have 10 years of diligent and consistent repayments on my record, Navient was unwilling to work with me to make paying off my loans easier. They would n't offer me reduced interest rates, would n't re-negotiate a lower lump sum payback, would n't work with me to ensure that any money 's I pay above their monthly minimum would be used toward the principal of any specific loan. 

Their unwillingness to work with me to help me pay these loans back is criminal and their interest rates are predatory. Something has to be done to offer flexibility in repayment.
This is is complaint involving the communication practices and loan mismanagement by Nationstar Mortgage LLC d/b/a XXXX XXXX XXXX XXXX is a service mark of Nationstar Mortgage LLC. I recently took over the home from my mother who XXXX XXXX in XX/XX/XXXX. I am the owner and occupant of the home in XXXX XXXX  SC. I was going through a loan modification, in which I made all the normal mortgage and trial payments through XX/XX/XXXX The new terms took effect onXX/XX/XXXX, and I made the XX/XX/XXXXpayment on XX/XX/XXXX. We were never informed that there was more documentation being sent out to be signed, which we never received. We received multiple phone calls and they never left a message stating this matter. I called back these phone calls ( that were made during work hours ), and all they mentioned was that we continue to make monthly payments. I was in the middle of trying to sell my home, and I called in XX/XX/XXXXto make sure the payoff balance was still the new terms of $ XXXX versus the old terms of $ XXXX. They loan specialist said yes, and that I can request the payoff balance at any time. I was in the middle of finalizing terms with a buyer, and I noticed that they are saying the account is past due sinceXX/XX/XXXX, and that the terms are back up to the $ XXXX  balance. I spoke with an agent who said he could send a notary service out to expedite the signage of the trial modification documents on Friday, XX/XX/XXXX. However, I spoke with an agent and her supervisor onXX/XX/XXXX, and she said the loan modification was marked as rejected onXX/XX/XXXX She went on to say there is nothing they can do, and that I would need to speak to an investor. I asked if she had a contact for this investor or to state my case, and she told me to XXXX them. I asked if she can repeat that and provide me the contact she has, and she went on to say that they do not have that information and that she could XXXX it for me. I have been dealing with this matter for over a year, and my frustration levels are extremely high. This is highly unprofessional, unethical, illogical, and asinine. They way they conduct business is outrageous, and I truly believe their business practices should be audited. We are looking into other ways to remediate this situation
I purchased an American Express Serve prepaid card from XXXX. The temporary card was activated successfully in-store and I loaded money into the card. This temporary card is supposed to be registered on the AMEX website to get a permanent card. However, I tried many times and everytime after I fill in all my information and card information the system says " Sorry we are unable to approve an account to you ''. The customer services are totally useless. They do nothing but keep saying that they do n't know but the " possible '' reason is that the system can not verify my identity. But I 'm 100 % sure that my information submitted is correct. They said nothing they can do, which is absurd. They also do n't offer the option that I send them my documents/IDs to manually verify. So basically I am not allowed to use their product.
I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my Trans Union, XXXX and XXXX credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.
On XX/XX/XXXX, we sent an insurance check of {$5500.00} to XXXX XXXX. According to their company policy for checks under {$10000.00}, they are to endorse and return within 5 days after receipt. They received the check on XX/XX/XXXX. I received a phone call today asking the loan number that this check applies to. However, this loan number is written on the face of the check. The representative said that management is confused and will not release the check. 

Previously for a separate insurance claim, XXXX XXXX did the same thing of sitting on checks and refusing to release the funds. This previous issue extended over a period of 3 months, wherein they refused to release over {$70000.00}. It wasn't until I processed a complaint that they released the funds. For this reason, I am filing a complaint now so that Paramount doesn't have a chance to draw this out for 3 months as they did before.