WillisBack/dataset-financial-user-claim huggingface dataset:
Neuheisel law firm contacted my phone number and my wife 's cell phone looking for her brother. They stated he listed the numbers as contact information. They lied, he does not know our home phone number. This company is skip tracing relatives to get to him. When told not to contact us, they called my wife 's number. 

This company is engaging in illegal communication tactics. They get rude when you tell them to lose my number. Lastly the home number they contacted is in Texas the person they are looking for is in Arizona.
I sell items  on   XXXX   and  have a 100 % seller rating but paypal has already restricted my funds on three occasions do to fraudulent cases opened against me by fraudulent buyers instead of them helping with the process they just say it 's all automated and out of there control. This has cost me thousands of dollars in interest payments with my credit card companies.When I call they say I have been informed but they never actually contacted me.
I obtained a line of credit from Union Bank to help me fix my house. I am divorced, I been thru a financial roller coaster hence my credit is not good, they will not help me refinance, every time I call them, they tell me I must have perfect credit to refinance into a conventional loan, meanwhile, they are charging me 7 % interest, for a line of credit, all the payments I pay monthly get applied to interest only. Even though I pay on time, they always claim I am short, they are calling me all the time disturbing me etc. but never willing to help me get into a better loan product, they give me a lot of headaches and I am just frustrated with this Bank. They finally told me that " they can basically do anything they want to me because they are not a XXXX owned bank and that they are owned by XXXX Investment company ''. I am in a dead lock and I do n't know what to do. With my credit being bad, no one else will refinance me and this bank has been totally taking advantage of my situation. My house has equity of close to {$300000.00} in it. but this line of credit is in XXXX position. I do not want to sell my house because the income I get from it, helps me pay my kid 's expenses. My experience with Union bank has been terrible. my financial situation becomes worse as I keep paying interest every month ( interest only ) with no hopes to be able to refinance anytime soon. I am a single mother of XXXX, I have a daughter in college and having been stuck in a horrible loan like this makes my entire financial situation worse. Union Bank has told me over and over again that they will not do anything to help me refinance to a conventional product but I want to at least have some principal come off my monthly payments every month. I want Union Bank to help me refinance out of this horrible product and hopefully get a loan with a better future outcome not XXXX that my payments keep going towards interest and the loan amount never changes!
On XXXX XXXX, 2015 my Paypal account was hacked and fraudulent charges totaling {$550.00} were processed and pulled from my bank account. I immediately called PayPal and followed their procedure to reset my password. I was told by the agent that the funds would be returned within 4 days. However just 4 days ( today ) later my account was hacked again and this time {$660.00} dollars was transferred to a fraudulent email address. 

I immediately called PayPal again but this time I was told I needed to reset my password again but this time via my phone. I was instructed to open the email sent by PayPal and to click on the link to change my password. This did n't work as the link in the email failed to open to the correct page on PayPal 's website. Then she asked me to do the same with my tablet, again the link did not work correctly as it only took me ot the PayPal home page and not the page I needed to reset my account. 

Then I asked how to secure the account and she said it needed to be " restricted '' but when in restricted mode, I would be unable to transfer any returned funds back to bank account. In addition, she told me it would take 5-7 business days to get my refund even though the first agent told me it would take 4 days. 

I then asked to speak to a supervisor and was told that none were available nor would any be available any time soon. I gave up and hung and called back and again, got a different agent and again asked for a supervisor. This time, a supervisor came on the line right away. 

But now the supervisor claimed the transactions originated from my PC, which of course they did not. The transactions on XX/XX/XXXX occurred in the middle of the night when I, my wife and little boys were sleeping. The transaction today occurred when my wife was at the vets office with our XXXX sons and I was 60 minutes away at work. 

Next he told me to just wait 10 days ( up from the original 4 ). Otherwise he would simply just " settle the case now and rule against me ''. So I asked " So you 're telling em to shut up and wait or you 'll rule against me? '' and he responded with " I suggest you wait the 10 days if you want to get your money back. ''
I have been getting phone calls from an agency. The calls always come in from " unknown '' " anonymous '' or " blocked '' telephone numbers. The first call I got was from someone stating he was am " enforcement officer ''. He told me he had been " looking for me ''. He said since I had made his job difficult he was going to make my life difficult. He then provided me with a telephone number to call as well as a case number stating there was a legal case being filed against me. The phone number is : XXXX. Not 2 minutes after I hung up with him I got a voicemail message on my phone from a female leaving the same number so I called it back. 
They say they are " XXXX XXXX XXXX '' I called the number and spoke to a lady who told me fraud charges were being filed against me for a payday loan I defaulted on from 3 years ago. She said her agency had purchased the debt and I owed them {$2000.00} to stop them from taking me to court. I told her I did n't have the money. She then listed names of friends and relatives stating she was going to contact them as well as my employer and tell them just what kind of person I was. I asked why they called from unavailable numbers and were threatening me. She said they do n't make the calls that they hire outside agencies to handle that and they only take incoming calls and that they can do anything they want they have a XXXX % success rate and hung up on me. Several hours later I received a call from my sister who resides on the other side of the country in Missouri. Her mother in law got a call from someone looking for ME. I have never even met my sister 's mother-in-law. She is elderly. Whatever they said really upset her and it was embarassing to me. I 'm not sure what to do. It just does n't seem right. On a side note, my address and phone number have not changed since I took out the loan years ago. I have lived at the same address for 7 years. They obviously know how to reach me, they are choosing to harass me to try to intimidate me or something. It 's kind of scary.
Debt collector is in violation of several 15 USC 1692 fair debt collections practice Acts.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX
I started my money transfer to XXXX on XX/XX/2018 through XXXX XXXX XXXX which is the DBA of XXXX XXXX XXXX, by online Order Number : XXXX for the amount of {$150.00} and {$3.00} transfer fee. I filled out the form as described all information. After few days when the recipient did not receive the money I called XXXX XXXX XXXX in California and they told me that they will contact their agent and get back to me. 
Nobody called so I called them again. After few calls I requested them to cancel the order and refund the money. 
Since then I have called them sever times and they are saying that it takes time to refund the money. It's been now 15 days, I believe, since they are promising that they will refund the money but nothing is happening.
I applied for the XXXX XXXX ( line of credit ) financed through TD Bank. I was not given terms and conditions during the application at the dealership where I applied. When I called TD bank to confirm terms and conditions they could not verify what it was I qualified for other than the credit limit in which they approved me for during the online application at the dealership. I was advised that I would need to carry a balance on the line of credit before they could confirm the promotional offer that I may have qualified for. The dealership where I initiated the application advised me that I would have 12 months with no interest and no promotional fees or early pay off penalties. I called the lender ( TD Bank ) to confirm and they said they would not be able to provide that information and that it was up to the merchant I purchased the product from. I do not understand how they, as the lender, are not able to confirm what I qualified for and what the terms and conditions were for what I was approved for by their underwriters. The dealership/merchant is not the underwriter so why would they determine what I qualified for? I think TD bank is violating Truth in Lending ( Reg Z ) and treading on potential Fair Lending violations. I have not yet received any fees or anything different than was verbally communicated to me by the merchant but, the transaction has not yet posted to the account. I am fearful that I could be held to a different rate and promotion than what I was told. At the very least, the lender should be able to confirm what I was signed up for. I spent several hours on the phone trying to file a formal complaint with TD bank and made several attempts to get confirmation on what it was that I was signed up for to no avail. I finally got a mailing address and fax number to file a complaint with TD bank. Seems to me they could enhance their Complaint handling program as well. I should have been able to call in and leave my complaint or email it to someone.
Someone else have my identity stole. That persona have my social security number and driver lincense number and my Home Andress as me! I never get those service this medical data system want me to pay to XXXX XXXX XXXX Im provide the enough prove to confirm I wasnt me the person .. Im asking to make a fair decisions and stop report it to my credit and stop sending bill I dont own is very hard for then to be believe wasnt me but the sending me inaccurate information about this I never singnature any document to you or never get any attention from this hospital at this time
I returned my leased vehicle. I was informed there would be a balance. I never received any documentation. I find out that the account has been reported as delinquent to the credit bureau. I immediately paid it because I do n't want to have bad credit and asked them to remove this derrogatory information from the credit bureau. They agreed to do so but it has not happened.
loans show up on my report and its not mine, i have police report # XXXX Id theft
On XXXX XXXX 2017, I sent a certified debt validation letter to the company that that I believe to be known as AFNI, XXXX, and XXXX. I am not sure what the actual name of the company is because according to my credit reports, all of these names belong to the same company. I believe them to be headquartered out of a facility in XXXX, IL, per my credit report. Upon the receipt of my validation letter, the before mentioned company " flagged '' the account that was on my credit report as a " collection ''. Information was also altered. This was brought to my knowledge because of the alerts that I have on my credit report. They should not have done this. With this company taking this action they have violated a policy of The Fair Debt Collection Practices Act. According to the FDCPA they were supposed cease collection practices of this debt, which would include altering my credit reports, until satisfactory proof that I owe them this alleged debt was sent and received by me. This was not done so they are in direct violation of this policy.
I have paid this debt off and this company still reported it to the credit companies as unpaid account.
I am a XXXX woman who ca n't even XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stole my identity, I cant even XXXX XXXX XXXX XXXX and I views my credit report and seen things I never applied for please help this has got me so stressed, she has been arrested as of X/XX/2017  please remove these inquirys from my credit report I did not do
Usaa will not give me a loan unless secured or will only offer me loans with extremely high interest rates. I have good credit with good payment history leading back almost 20 years. The rates they offer are usually double what other companys offer without explanation of why I cant recieve a fair rate. I have banked with USAA since 2002 when I joined the XXXX. I've purchased 2 homes and several cars none of which I have been able to secure a loan with usaa with a fair rate which forces me to go else where which is what I think there intentions are.
My loans are with Navient. In XX/XX/XXXX I was " approved '' for a forbearance that I did not even apply for. The next month my payments went up by over 100 % and was told I had to pay it or be in default. Then they told me I had to reapply for the Income Based Repayment Plan ( which they never communicated with me in the first place ). I have now completed all the paper work for this plan. My primary concern is the forbearance that was given without my consent. I am not going to guess at their motives, but that seems to be something that would need my permission.
I made a payment to CITI XXXX Credit Card on XXXX XXXX, 2016 using a CITI prepaid Debit Card issued to us from a furnace/air conditioning install. The payment was made over the phone with a representative from CITI Simplicity and I was given a conformation number to complete the call. I never say the payment post to my account so I called CITI back and they said there was no record of a payment being made on the XXXX of XXXX. I then spoke to several departments only to get the same answer that this never took place. I then filed a dispute with CITI XXXX XXXX and also called the CITI rebate card company and they immediately confirmed that the payment had been made and received on XXXX XXXX by CITI Credit Card on that date. We then had them email us proof of this transaction and sent it to CITI XXXX to go forward with the dispute. I received an email showing a few days later that my card balance was at XXXX {$.00} as this payment was for the remaining balance on the card and thought that the dispute had been resolved. Then yesterday on XXXX XXXX I received the email stating the dispute had been denied and the {$370.00} was put back onto my balance owed on the CITI XXXX XXXX. We Then called yesterday the XXXX of XXXX to have them re-open the dispute and I re-faxed the same proof along with a letter of explanation about the dispute to the Dispute Fax number for CITI XXXX and also mailed a copy to the Presidential office in South Dakota. Then after speaking with our furnace installer because CITI XXXX was not helping even after numerous attempts to resolve the matter I am contacting you to help in this case. I am not sure what else to do as this payment was made, it was received and our Rebate Card with CITI is at a {$0.00} balance so the money was received. Please help us.
i plead with you to please reconsider your decision, if you cant temporary suppress or remove it ... then can you at least guarantee ; that if i find a way to pay this account in full before hand that you'll remove or suppress the trade-line from the 4 CRAs you report to.. its not like your guys havent already wrote this debt off for tax purposes. we have to come to some sort of arrangement. i honesty dont care how long it takes, i will continue to dispute this matter until XX/XX/2023 if thats what it takes.. the car has already been repoed and sold.. please i know theres somebody on the other side of this message who can work with me.. Again please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. and again I believe it serves both of our interests. You want my money, and I want to give it to you so I can fix my credit and help my mom out. Please. Your kind consideration in this matter is greatly appreciated. 
Best Regards XXXX XXXX XXXX
Ditech is fraudulently trying to imply that I owe mortgage payments on a home equity loan that my father took out years ago. They are claiming that they acquired the mortgage from XXXX XXXX XXXX which has already had to pay a {>= $1,000,000} settlement for fraudulent lending practices. Greentree is dissolved and now they are trying to fraudulently do business as Ditech. They do not own and never have owned the debt note and are in violation of the law that forbids such actions. In the words of the former Director of the FTC Bureau of Consumer Protection XXXX XXXX XXXX " it 's against the law for a loan servicer to lie about the debts people owe, or threaten and harass people about their debts ''. Ditech has been lying and unlawfully broke into my father 's property and placed locks on the house and removed his merchandise valued at hundreds of thousands of dollars. I filed an Order to Show Cause motion with the Court but it was never answered which leads me to believe that the Courts may be complicit. They also had the items removed by XXXX XXXX XXXX XXXX which is not even registered to be doing business in the state.
XXXX XXXX XXXX closed my credit card at my request on XXXX, 2014. Experian Credit Bureau refuses to update the information. I closed the account at my request and the other XXXX credit bureaus reflect this. I called XXXX credit and they state they have updated my information with Experian they refuse to update it. I will contact XXXX again. 
I want my report to show that my account has been closed since XXXX 2014 as the other bureaus. Thanks
I was charged a minimum interest charge fee of {$2.00} despite having a {$0.00} balance after making my final payment before the statement due date.
I have provided the Credit Reporting Companies with the proper documentation to remove items from my Equifax, XXXX and XXXX Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have provided them copies of returned mail, that proves that the information that these companies have provided on my report are false information and thus should be removed from my credit report. I have also provided them information that some or all of these accounts are not valid and proof that the companies could not validate the accounts. The companies provide copies of statements which is not validation of the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I had purchased a home back in XXXX 2007 and XXXX XXXX XXXX had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing processXXXX XXXX XXXXXXXX XXXX did agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up XXXX XXXX XXXX transferred the mortgage to Nationstar Mortgage. My attorney had tried to complete the short sale but Nationstar would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from NationStar and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from NationStar payment history etc, and they will not respond.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Ss # XXXX DOB XXXX/XXXX/XXXX You still have not removed the account for XXXX that is affecting my good credit from my credit profile. 

I DEMAND that this account be removed from my credit profile!!!! All the account information is incorrect. Per the FCRA Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user, or Supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 


XXXX XXXX XXXX/XXXX/XXXX
To whom it may concern my name is XXXX XXXX. Recently while attempting to log on to my online banking, I discovered an error code which led me to call my banking institution XXXX XXXX XXXX XXXX. I called and was told by a customer service representative a lien was placed on my account due to Writ of Garnishment in the amount of {$2200.00}. I was told to contact the company who placed the lien which was XXXX XXXX XXXX. I contacteXXXX XXXX XXXX XXXX the debt collector to get verifiable information and was told that there wasnt much information they could give me and that I would have to contact XXXX XXXX Courthouse to see if they can tell me what the case is about and any other information I may have. I was told that said debt was open in XXXX and I was still in XXXX at the time. A judgement was placed on the debt in XXXX and that theyve been trying to collect in the debt since XXXX. In accordance with the Florida Statute of Limitation for revolving accounts such as credit cards the statute of limitations is four years. I was unaware of any judgement, lien,  voluntary garnishment, lawsuit, etc. associated with this debt.
I found the debt on my credit report from Armada Corp and when I called the amount was a lot more than listed on my report. They stated it is interest they have been collecting. I told them I was never informed they were making interest off of this balance. I was under the understanding that if people or companies are going to charge interest on a debt, they have to inform the consumer. I do n't believe that a consumer should have to pay interest on a balance the company does n't communicate to you. As long as you do n't look at your credit report they will just keep charging and the consumer has no idea. I do not have anything in writing to attach because I never received anything in writing.