WillisBack/dataset-financial-user-claim huggingface dataset:
I have routinely gotten collection calls for a XXXX or XXXX XXXX at my home phone # ( XXXX ) XXXX for several years. I am not XXXX XXXX and I do n't know a XXXX XXXX. I have told this to the callers, but eventually after some time, the calls start again. The latest from ( XXXX ) XXXX started just this month, XXXX robocalls XXXX, XXXX & XXXX. Although in XXXX, I got XXXX calls asking for a strange name and told them they had wrong number, where upon they told me they would correct their files. 
I called the number this morning asking that they verify this debt as I want to get to the bottom of this, so I can stop this harassment once and for all. This person was the one that told me the person 's first name was XXXX. She also said that maybe this person used my home phone number as the reason I getting these calls. She then referred me to ( XXXX ) XXXX I left a message there, asking that they send all documentation to my office fax or email. I also sent an email to this company, Receivables Performance Management, asking for the details. Again, I want all of these calls to stop and if I know who the original creditors are, I can deal with them directly. As I am the one getting the phone calls for this woman, I have a right to know why.
On XXXX XXXX, 2016 I became aware that I was apparently a victim of identity theft. I have filed multiple cases for both the individual creditor 's and all XXXX credit reporting companies one of which was Experian. As of this morning, there are still ( XXXX ) accounts and ( XXXX ) previous addresses associated with these accounts that are still reporting on my credit file. While I have mailed, uploaded my identification documents and even faxed my documents to the Fraud department for Experian, as of yesterday I am still being told from the Experian Fraud department that they need to have my identification to properly dispute these final items. I have spoken to these ( XXXX ) creditor 's and they have all assured me that my information does not match the information they have on file for these accounts and that I should dispute these accounts with all XXXX reporting companies. At this juncture, I have already have these accounts removed from XXXX and XXXX and am trying again to have Experian dispute these as fraudulent in hopes that it will finally be removed from my file. Please take the necessary steps to re-dispute these accounts along with the personal information associated accordingly.
XXXX ) deducted approx. {$150.00} in excess of the am't to which I had agreed, - WITHOUT ANY NOTICE, oral or written to me. XXXX is XXXX ( at least ) lender in line. XXXX ( Complainant ) has never had any lapse in casualty insurance, or tax, provision ( s ) for the entire life of the loan! XXXX has taken a chge of {$270.00} " owed '' for alleged failure to maintain hazard ins on said prop'ty [ defined as XXXX XXXX personal residence XXXX has provided only dunning letters, giving NO information. XXXX that XXXX is specifically attacking XXXX on the basis of 1 ) XXXX and2 ) XXXX Plaintiff in # XXXX of XXXX " XXXX '' cases. XXXX XXXX hazard ins co. broker faxed proof of continuing coverage on XXXX/XXXX/2015 to XXXX Co.
Credit Collection Service received a 93A Demand Notice from me XXXX for their illegal reporting to the bureaus and with request for validation of debt and a notice to keep all correspondence in writing only. They failed to respond. They continued calling me multiple times per week. 
I sent a second 93A from me XXXX with a second request for validation, notice of further federal and state ( FDCPA and FCRA ) violations and notice to keep all correspondence in writing only. They failed to respond. They continued calling. 
I sent a third 93A Demand Notice XXXX with third request for validation, notice of even more federal and state violations and notice to keep all correspondence in writing only. They failed to respond. They continued to call. 
XX/XX/XXXX I called and spoke with XXXX XXXX, the department manager, she stated they received all correspondence and did not bother to respond. I asked to be placed on their do not call list and request a formal cease and desist. She agreed. 
XX/XX/XXXX ( holiday weekend ) I received another phone call in attempt to collect. I called them to request no more phone calls. I was placed on hold for half an hour and gave up.
This is 2nd complaint against Santander. Been trying since XX/XX/XXXX to fix this mess. They have refused to co-operate with our continued efforts to fix mess they made with our escrow account. Blaming town, me, everyone but themselves. They made tax payments, took $ $ out of our account, then charged us additional $ $ saying taxes were outstanding. They pay the taxes, why are they outstanding? We are being charged extra {$580.00}. Have tried to cancel escrow, they will not do without us paying extra fees, claims it is in our contract and that we got .25 % less of a rate for them doing the escrow. However, our mortgage was done under HARP so that is a lie. They refuse to send me proof or that we signed anything to this effect. Refuse to send me copies of cancelled checks for taxes paid to town. They paid our taxes for XX/XX/XXXX and took XXXX out on XX/XX/XXXX. in XX/XX/XXXX the took out XXXX saying it was outstanding taxes for the above payment when none was due. Was told onXX/XX/XXXXby XXXX XXXX - their XXXX tax dept - that it was an overpayment and that in 24-48 hours we would get $ $ back into account, and ok for us to pay P & I pending reimbursement. $ not back in our account. Sent cert. letter to tell them to stop paying taxes, they ignored and paid our XX/XX/XXXX tax against our wishes. Refuse to reimburse the $ $ they took out. Where is this money???? We paid our XX/XX/XXXX mortgage at bank, principal and interest and XXXX arrears in escrow, pending the reimbursement of {$580.00}. However, now getting collection calls that our mortgage overdue, illegally charging us late fees, and even though our receipt says it is for P & I, they are refusing to credit our account. They are making collection calls and sending letters that we have not paid our mortgage when we have the proof we did, and we are not behind.
Your files contain 's inaccurate information as a result of fraud. 

Tenant-Screening checks when XXXX XXXX XXXX uses the services of a third-party background screening company. 

Filing complaint against both XXXX XXXX and background screening companies for alleged violations of the FCRA. XXXX XXXX didnt handle Tenant-Screening reports carefully that is derived from a credit report. 

XXXX and XXXX do not have access to reliable information. 

Personal Information : Intentionally mismatch the Applicants common court history. 

XXXX and XXXX dismissed the Applicant under the guise of allegedly Owing rent and Possession Order. 

The entries XXXX saw on the Applicants credit reports, simply confirmed their own reporting as contained in the Rental Application. 

XXXX also XXXX shares of the organization clearly abuse those theories around XX/XX/XXXX, also XX/XX/XXXX, disconnect occasions. 

Record XXXX and XXXX Status : Closed Type Description : Both Cases Appealed From Lower Courts Action Type : Nonsuit and Rule 11. Written consent of the adverse party has been given. 

Other Complaints : XXXX, XXXX
My complaint is with Fedloan Servicing. I had sent documentation to Department of Education PHEAA for recertification of Income Based Repayment before end of lapse on XXXX XXXX 2017. I was granted approval of recertification of IBR plan with Department of Education promptly the next business day and they sent this information to Fedloan Servicing. <P/>Fedloan Servicing failed to process the recertification of Income Based  Repayment in a timely manner, resulting in the first payment going into delinquincy and adding a XXXX capitalization on my loan. <P/>I had called Fedloan Servicing, speaking with supervisor XXXX # XXXX on XXXX XXXX 2017 Monday ( my loan IBR plan lapses on XXXX XXXX 2017 ).  Fedloan servicing stated over the phone that I can request forebearance until they process the IBR recertification. I asked for a official letter sent to me documenting this so that I had legal documentation, instead of the current status of delinquincy of my student loans. He told me that I will be sent a letter of this request in 6 8 business days. He also told me that the following Payment will reflect the updated IbR recertification at {$0.00}. He told me that XXXX will be covered and the interest rate will be at same rate, with no penalty. So I can expect the letter in XXXX XXXX 2017.
<P/>XX/XX/XXXX and I have received no such letter. I am receiving notifications that my loans are delinquint and that I am 8 days overdue. Sunday XX/XX/XXXX, I received an email your IBR plan is on hold until further investigation. <P/>XXXX XXXX 2017 called about delay in IBR recertification. Was told that it is still being processed. <P/>XX/XX/XXXX Called and talked with XXXX, he apologized for delay in recertification and continued to reassure that it would not affect my credit in a negative way. I requested to expediate the process for IBR recertification and that delay in this is creating payment delinquency and that is unacceptable. I told him I still did not receive a letter or documentation of forebearance request and that their delay in processing is negatively affecting my account with them. I was told that the IBR would be processed within this week. I said if it was not processed within this week I would be filing a formal complaint with consume finance agency. <P/>It is now XXXX XXXX, 2017 and Fedloan Servicing has not processed my Income Based Repayment and I have just received another notice for this next month with the full payment amount of the loan XXXX. On top of this I have found out that when they did not process the IBR recertification in a timely manner that I received a {$6000.00} capitalization on my loan which was previously {$110000.00}. My current loan stands at {$120000.00}, reflecting the capitalization that occurred over this past months failure of Fedloan Servicing to process my Income Based Plan in a timely manner. <P/>I am still waiting for them to process the IBR plan, in the meantime the capitalization keeps racking up and also the delinquiency and they have unruly placed me in a position of forebearance, but still they have not even documented the forebearance. <P/>Please help!
How can Early Warning Systems say they investigated and validated the item with XXXX XXXX XXXX, when XXXX XXXX XXXX per the attached letter says they do not have any bank records. 

Early Warning Systems, this is your Early Warning to please delete the items related to XXXX XXXX XXXX. 

See attached supporting documents. 

cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
Since I submitted the original complaint  XXXX , the egregious error have tripled with over {$170000.00} of credit removed from my report. Below is the letter sent to Equifax in great detail.
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I am a authorized user on several of my husbands accounts. During the month of  XXXX , Equifax has removed every account that I am a authorized user. Before the month of  XXXX , Equifax reported all authorized accounts correctly. My accounts are being correctly reported on   XXXX   and   XXXX   XXXX  .
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In an effort to correct this error with Equifax, I called several times over the last couple of weeks and spoke to numerous people at Equifax. I was advised that I should call the creditors to ensure that they were reporting me as an authorize user. In the 20 hours on the phone with Equifax some representatives were unwilling to listen or help. I called EVERY creditor impacted and they assured me that I was being reported to all   XXXX   bureaus every month.  XXXX  and   XXXX   sent mid month updates which was reflected on my husbands credit report but not on mine. The accounts that were removed on my credit report for the month of   XXXX   are :   XXXX   XXXX   XXXX   Credit Limit   XXXX      XXXX   XXXX   XXXX  . Credit Limit  XXXX    XXXX   XXXX  . Credit Limit  XXXX    XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   XXXX   Credit Limit.  XXXX    XXXX   XXXX   XXXX   Credit Limit  XXXX   XXXX  Credit Limit  XXXX    XXXX   XXXX   XXXX   XXXX  . Credit Limit   XXXX    XXXX . Credit Limit  XXXX    XXXX   XXXX   Credit Limit   XXXX   In total Equifax has removed {$170000.00} of credit from my credit report. This has negatively impacted my credit by reducing my credit score and increasing my utilization. Something is definitely wrong when at least 12 creditors who are reporting accurately and Equifax is the only bureau not capturing the data correctly. This has impacted my ability to apply for credit for a car I am purchasing. I live in  XXXX  Georgia and many lenders pull credit with Equifax since we are both located here.
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Your immediate attention is needed to resolve this horrendous error made by Equifax. I have been unable to dispute this issue via your system because the accounts are no longer appearing on my report and you can only dispute credit that appears on the credit report.
On multiple occasions since the beginning of the year I have asked Nelnet, my student loan servicer, to send me copies of my monthly statements from XXXX XXXX to XXXX XXXX. Several times I was promised the statements but never received them, while on other occasions I was told that retrieving statements more than 12 months in the past was not possible. Nelnet states that all this data is purged from the system after 12 months time. 

With a loan balance of {$120000.00} it seems highly unlikely that the company does not have records of my monthly statements going back farther than 12 months. I require these statements in order to verify that my student loan has been serviced correctly and that the amounts added as interest or capitalized to principal are correct. So far, the company has refused to cooperate. 

Any large financial institution handling loans of this size : credit cards companies, banks, brokerage firms, all have the ability to locate statements going back several years. They are sometimes archived, but they are never deleted. If true, it is highly irresponsible of Nelnet to delete these statements when storage data these days is so inexpensive. 

Since it seems highly improbable that these statements are no longer in their possession, I am writing to the CFPB to assist me in compelling Nelnet to retrieve these statements from their archives and to send them to me by mail or email. If they truly have deleted these statements as they claim, I would like them to recreate the information as one would see it on a monthly statement, and send me the results. Given the amount of this loan, it is unreasonable that Nelnet is refusing to comply with such a simple request.
Erc contacted my fiancee on his personal cell phone and asked him my whereabouts and contact information because I had a charged off XXXX credit card from 3 years ago. They had no right to share my credit information with him as we are not married and he has no legal right to know about my old chargeoff. They provided him with several pieces of mybpersonal information and I have the ohone records to prove it!
I received a voicemail from the woman I had been dealing with about my case and she stated for me to call her back. I called the office with the extension she gave me to reach her and a lady answered, never gave her name and I told her who I needed to speak with. She said hold on and transferred me to some man that I do not recall his name. I stated that I missed a call and needed to speak with the lady that I had dealt with prior and he just continued on asking for my information. He then proceeded to tell me my card had been declined and he needed to process it again and asked for my card info. I told him the money would not be there until later tonight because my husband gets paid today. He got rude with me and I said that they were unorganized and he went off sayin " how are we unorganized when you 're the one who 's card got declined '' I then asked to speak to a manager because he was getting loud with me and he told some one in the background that " she said were the unorganized ones but she 's the one who 's card got declined '' making me feel very stupid and talked down upon. When I spoke with the manager I explained what was going on and that I did not know who this man was and I wanted to speak with the lady I have dealt with prior. She said that the woman was off today although I had received a voicemail from her 20 minutes prior to calling them back. I did not feel comfortable giving them my information. No One deserves to be talked to like this when it comes to money. I am struggling at the moment and his rude remarks definitely do not help my situation.
A debt verification letter was sent 31 days ago and no response was ever received. The debt is still being reported on my credit even after they failed to properly verify the debt.
WHEN INITIALLY I DISPUTED DEBT I WAS CREDITED FOR THAT AMOUNT..AND ALL PENALTIES REMOVED .SUBSEQUENTALLY I WAS RECHARGED FOR DOUBLE THAT AMOUNT ... IHAVE CONSTANTLY ASKED FOR PROOF TO NO AVAIL ... NOW I AM BEING BADGERED BY A " XXXX ... FOR THE sum of {$2400.00} ... .re. " XXXX account ... .. ( XXXX XXXX XXXX ) ... ... .dealing with there reps. is like dealing with XXXX ... ... no one seem to be able to prove my alleged debt ... I am XXXX years old ... and can afford to pay ...., but I refuse to be bullied and badgered
I used XXXX XXXX to purchase baseball tickets for {$150.00} from an individual on X/XX/17 and did not receive the tickets. I used a Chase debit card. I reported the fraud/scam immediately to  Chase and the charges were initially intercepted and dropped but reappeared a couple hours later and I filed a dispute and was given a temporary credit for {$150.00} but claims dept informed me they are reversing the credit after their investigation, stating that XXXX XXXX denies liability and provided a " service ''. Yes they took my money and gave it to someone else, but I never received the goods promised. I attempted to request a refund from the individual but they denied my requests. Chase should honor their fraud protection guarantee and provide me with the refund as I reported it immediately.
I bank with Suntrust filed a dispute on unauthorized charges on my credit card which was denied. 
There were 2 charges on my card for gift cards at a gas station in XXXX XXXX at that time I was in XXXX which triggered a fraud alert and my card was subsequently shut off after i verified they were not by me this caused me severe harm as I had no access to funds in the middle of nowhere in Montana heading back to XXXX The second charges were from XXXX XXXX XXXX XXXX authorized charges for a car rental which my wife rented and paid for by her own credit card for several months prior to the charges that showed up on my card her card was shut off for fraud entterprise wanted a card on file for the rental till she got a new one we were in XXXX at the time couldnt return car so I gave them my credit card info on the premise they would not charge it the rental was not in my name until my wife got her new replacement credit card These charges are around {$1600.00} subtrust has extremely poor customer service I had to wait hours on the phone filing complaints they just dont care
XXXX ID XXXX : XXXX Paypal is not allowing me to withdraw my refund. They are limiting my account and claiming that the funds are 180 days hold because of risk of chargeable or disputes. They are not because that was not a purchase I 've never sold anything on PAypal and the funds are simply my refund for a purchase I 've made and I demand the money back.
Equifax updated my credit report lowering my score over XXXX points. They state on the front because it is due to a recent serious Derogatory item on my report - I of course disputed this through them as wel as on this site. I have been working on my credit for over 5 years and knew that I never paid late. So rather than fixint the error they sent me my credit report which of course shows NO late payments in over 8 years. So not only did they send PROOF that there were no late payments on my accounts they are reporting that there ARE. SInce this is NOT showing on my credit report from any of my account holders. Thye need to provide the creditor that is reporting me late since it is NOT on my report. The report does me good. There is also a serious issue where half of my monthly payments are showing " no data avail '' however the payments have been made which shows on my XXXX as WELL as my XXXX. That needs to be updated as well. This one incident has caused me SERIOUS financial problems as my credit score reflects my ability to pay rent and maintain the balances on the cards I have. I want to know if I have any legal recourse for this as this clearly a breakdown on their end. I should not have to dispute this report on a monthly or even weekly basis. They have a responsiblillty to maintain correct information.
On XXXX XXXX, XXXX I contacted CitiCard regard ing my CitiForward to make inquiry on my Visa Signature Account. Upon inquiry as to the interest, I was advised that the account was in default status due to a payment received one ( 1 ) day late stemming from a one day late payment made in XXXX, XXXX. At that time I advised the representative that time due to death in my immediate family and being out of town I did not make the payment. Subsequently a payment was made, as well as a request for a one time waiver of the late fee. Same was granted based the account history. Additionally, I made inquiry as to whether the interest rate would be affected due to the late payment. I was informed by the account specialist that the account was not showing an increase in the rate and that same would be showing on the account already if applied. Based on that statement I made no further inquiries as to any increases in the rate. According to the credit card reform act of XXXX, a credit card issuer must advise the consumer of any increase in interest in writing prior to adjusting same. I received no such correspondence advising me of such increase. Additionally, the Act states " if you are 60 days late on a credit card payment, then your issuer can raise your interest retroactively, but you must be given the opportunity to earn back your previous rate if you make your minimum payments on time for six months ''. This opportunity was not afforded to me by the issuer as no additional payments were late after the XXXX, XXXX payment. However the issuer did not re-evaluate the account at six months, but rather continued to access the account a 29 % interest rate and would have continued to do so if not for my inquiry of today, XXXX XXXX, XXXX. I am seeking to recover the additional interest charged on the account from XXXX, XXXX thru XXXX, XXXX in the amount of {$210.00}.
There has been a report against my social security number of a bank account issued through Bank of America. The reports states that there was suspected fraud activity. I once had an account with Bank of America but it has been closed, but not for fraud. I also was n't notified of account closure for this reason.
I called in to make payment on my accounts, I asked about interest on one of the accounts and the male rep got hostile with me, I asked for his supervisor and the male supervisor got on the line and had the same hostile tone. At no point did either representative read me the mini Miranda. Also, when I asked to speak with another manager, the current manager hung up on me. I have all of this on recording. I called back a second time and tried to explain what just happened and got treated the exact same way and he hung up on me. During the call he refused to provide me with his name and the names of the XXXX previous representatives.