WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX  called me at XXXX for my deceased mother 's debt. She has never been listed as being on my phone line ( a personal cell phone ). I told them it was XXXX XXXX   and illegal to call, and that she was deceased. They claimed that their information stated that it was XXXX where she was located. She lived in this time zone for 9 years, and my cell phone has never been listed as being in a different time zone. They demanded a death certificate. I refused to talk to them further and told them I was reporting them.
Nation Star took over mortgage processing XXXX 2015. They have failed every month to automatically withdraw the payment from our account. Starting in XX/XX/XXXX, they have lied during multiple phone calls and told us the problem was resolved/fixed. They also promised to call back with information and the resolution and did not. They continue to phone all hours of the day and night -- past XXXX -- and mail saying the payment is past due. This suggests an intentional ongoing corrupt practice to be able to collect late fees, raise interest rates and foreclose on properties, epecially targeting senior citizens. 

To be fair, not all service reps were dishonest nor hard to understand. Several simply did not have the authority to resolve the issue. Nonetheless, those who did assured us the problem that they caused was fixed. It still has not been.
Wells Fargo Bank, our current mortgage holder, contacted us about refinancing our loan at a lower rate. It seemed reasonable, so we agreed. The process kept getting delayed for what seems like stupid reasons ( they contacted our employers 3 separate times to verify our employment history! ) After approval, they kept promising us the paperwork to review, but did n't send it. Finally they sent us the paperwork the day before it was due. I was out of town on business ( which they knew ), so we could n't complete the signatures in time ( with no time to review ), so they cancelled the process. They did n't offer us an extension which, after reading through the paperwork, we were entitled to do. I files a complaint with the company in XXXX 2016 for this ( and that one of the loan agents called and asked for personal information over the phone and was extremely rude when I would not give it to her ). Since that time, I receive a phone call and a form letter the XXXX and XXXX every month telling me how important our concerns are but they need a little more time for " research ''. We both have good credit ( XXXX and XXXX ) and were seeking a refinance amount of less than 20 % of the properties value.
Experian has a habit of reporting incorrect addresses on my credit file currently they are reporting me to have the following address and they ALL ARE NOT MINE - I HAVE NEVER LIVED AT ANY OF THESE ADDRESSES XXXX XXXX PA XXXX ( this was deleted before and now reinserted ) XXXX XXXX PA XXXX XXXX XXXX PA XXXX ( this is never my address this is a business ) XXXX XXXX PA XXXX XXXX PHILA PA XXXX NONE OF THESE ADDRESSES BELONG TO ME
My son acquired a student loan but was unable to finish school. ( attended XXXX out of the XXXX months ) The school collected the entire amount of the loan. He defaulted on his loan and it fell back on me. I attempted to make payments but my wife was not working at the time and all of our bills fell on my shoulders. I contacted XXXX XXXX but they only lowered the monthly amount due by a few dollars. I contacted them again with no result. The loan grew to double the amount from XXXX up to XXXX. I 'm still on my own paying bills and can not afford the amount that they are garnishing from my wages every XXXX weeks. I have not received a raise in XXXX years. All of our medical, dental, vision, homeowners and automotive insurance is taken out of my pay. Water, electric, gas etc is also what I pay each month.
I have contacted this company Ill several occasions to fix the problem the only amount that is due is for XXXX so theyre not even reporting the correct balance and theyre reporting in accurate information when I spoke with the branch manager went today he told me that they dont report until the end of the month and that they report it wrong so it needs to be fixed the next step. I will write a letter to the president of the company and I will contact the media for a new story investigation. I do have Proof all payments
I can not print and view my full credit report online. There is also a name XXXX XXXX XXXX. Which is not mine. This person had stolen my identy a couple of years ago and her name was supposed to be removed from my credit report and it 's still showing on my credit report. Please remove her name and I the collection companies XXXX and XXXX has been paid in full. This should have been moved from my credit report years ago. I wish to have this resolved ASAP as a I am looking for proper housing and need good credit. Please contact me at XXXX. My full name is XXXX XXXX XXXX. Your immediate attention be greatly appreciated. 


P.S. this identity theft person XXXX XXXX XXXX committed this crime twice and went to court twice. 
Thank you XXXX XXXX
I am disputing this collection account for several reasons. The original creditor was a school named Lincoln Technical Institute, which closed years ago for fraudulent accounts, predatorily financial aid tactics and student dissatisfaction. I was one of them and the school was located in XXXX XXXX, FL. I stated my concerns with the office managers XXXX XXXX and XXXX XXXX, who then dismissed me immediately from the program on XX/XX/2013. I was in between classes and financial aid was paying the tuition, so I gladly left. One month later, I received a {$1700.00} bill saying I owned them for dropping the program. They automatically put me on a {$200.00} a month repayment plan ( without my permission, no signed documents or even my knowledge ). I started getting calls and letters that this " loan '' is in default and it started reporting on all 3 credit bureaus. I have been disputing this for years now and even contacted the Florida Department of Education who stepped in and wrote Lincoln Technical letters on my behalf to drop this fraudulent charge of {$1700.00}. The school did drop the charge and THEN sold it to this debt collection agency named XXXX XXXX XXXX, who is now harassing me and reporting this " debt '' to all 3 credit bureaus. I need help with this as I am trying to buy a home and clear up my credit. These predatorily companies need to be held accountable for their fraudulent and shady money scheming tactics.
I applied for a pay day loan with XXXX XXXX XXXX. I had some additional issues that prevented me not to be able to pay on XX/XX/XXXX. I called in and spoke to a customer representative a few days prior, which I requested an additional 2 weeks. He told me that he would extend it and I had to call in no later than XX/XX/XXXX to extend it for a few more months as I had to take a state accredited credit counseling course which then I would be given me almost 3 months to repay the loan in installments. Well, I called in on XX/XX/XXXX approximately XXXX XXXX and told the rep that I spoke to that I had taken the credit counseling course and I was calling to get an installment plan, she spoke to me for approximately 10 minutes or so than she told me to hold on so she can verify the documents. She kept me on hold for another several minutes and then verified they received and then she informed me, I will receive a new contract with the installment loan by email. I received an alert the following day and it was an overdraft on my account because XXXX XXXX XXXX  debited my account on XX/XX/XXXX when they were not supposed to. I called in on XX/XX/XXXX and requested to speak to a supervisor and someone named XXXX answered. I explained that I was extremely upset, because I took the course and called in and did everything I was supposed to do and you debited my account and not only that, I have a {$35.00} overdraft fee applied by my bank. XXXX, had me on the phone almost and hour and she told me, I did not do a state approved counseling course, I said it was as this is the same course that I took once before and it was approved by your organization, then she said that I did not provide a completion sheet, I said the information is the same I submitted prior that was accepted, then she said, I was supposed to provide an appointment letter first, I said I did not before, I just took the course and was approved. Then she said I called in after XXXX, I indicated I did not, your representative kept me on the phone until after XXXX. She came up with every excuse to attempt to point the finger at me, when their company dropped the ball. I asked her to reverse the debit, she said she could not. Then she said, I could reapply, why in the world would I do that, I am disputing with my bank and expecting them to give me the payment plan that I should have had to repay them. I have used this company before and never had this issue, I always paid. I do not plan on using them again. I even asked for my banking information to be removed as I do not trust the company after debiting my account hen they were not suppose to, she indicated she could not delete my banking information which is not right. It seems I am going to have to put a block or change my banking account information. I asked her for a corporate contact, I was informed it was no need as the complaint would be redirected to her.
On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for XXXX XXXX, she stated that XXXX XXXX has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from XXXX XXXX or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that XXXX XXXX did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law XXXX XXXX does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called XXXX XXXX head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.
In XXXX, I registered for an online course with The University XXXX XXXX XXXX but subsequently canceled my registration prior to the University 's deadline. I received written communication from the University acknowledging their receipt of my cancelation but they claim to have no record of it. I first received notices from the University requesting payment in XX/XX/XXXX and disputed the debt. I believe I received communication from XXXX debt collection agencies for the same account. Each time I received a notice, I would dispute the debt and each time I received no response for an extended period of time. I did not keep records of those communications, each time believing the issue had been resolved. 
Recently, I have been receiving letters from Todd, Bremer & Lawson , Inc., a debt collection agency, demanding payment. I have disputed the debt and twice provided them with documentation from the University proving that the debt they are attempting to collect is not valid. I have requested that they close the matter and provide me with a written statement that the matter has been resolved ( as they are at least the third entity with whom I have disputed the debt ). I believe they are violating the Fair Debt Collection Practices Act and would like to file a complaint against both the University and their debt collection agent and request assistance in reaching a resolution to this matter. 
I am uploading copies of each communication I sent them ( sent to them by my wife via efax ), the attachments that I sent with each fax, and a copy of the last response I received from them asserting that the debt is valid and that they will consider any future disputes " frivolous ''. I do n't know what to do and would truly appreciate your help. Thank you.
I tried to call to correct the address that Wells Fargo Dealer Services is reporting and they were very unclear stating they couldn't change the incorrect information because the account is closed ... Also Wells Fargo Dealer services are reporting a late charge from XX/XX/2012 on my XXXX and XXXX  reports that is inaccurate. Company hangs up on their customers constantly, refuses to follow federal judges orders, and tries to micromanage their customers speech. Wells Fargo Dealer Services are fraudulently reporting incorrect information as one of their representatives put it to " on purpose '' to tarnish my excellent credit record. Wells Fargo dealer services can't even keep their own facts straight they report 0 missed payments to XXXX  ( which is accurate. ) but then turn around and report different false information to two other bureaus.
My boyfriend received a call from XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX on XXXX XXXX  2018.      Here is what he told me occurred:




The above was all from him and I am not pleased with them sharing my personal information and i know that it's not legal!
In XX/XX/XXXX I had work done to my home through the XXXX. Instead of cash out of pocket, the work was paid via my property taxes. Due to the timing of the completion of work and when my taxes would be paid, my Escrow analysis would not reflect the shortage until it was completed XX/XX/XXXX. I put money aside and paid the shortage and told them about the ongoing payment method and they said they would do an analysis. When I got the new statement for the following month, I adjusted my auto debit accordingly. When I got all future statements, I simply filed them without reviewing them as the correct amount was being deducted from my bank account. It was not until the last week in XXXX, XXXX while discussing a pending refi ( with XXXX XXXX ) of my home that it was identified that my current Mortgager, Ditech had completed that Escrow analysis incorrectly and I apparently had another shortage going on of {$95.00} for the past 11 months. I immediately called Ditech and their customer service person was XXXX. All she would say is that she would order a new Escrow analysis. I asked for a point of contact, but was told that, that department ONLY communicated either via FAX or postal mail ... not via telephone or email ... in this age of technology??? I asked what I should do if I had any questions after this new analysis was completed and was told to call customer service ... Now, please explain the logic in that. She did not know how to help me other than to order a new analysis ( although she initially said to wait for my next analysis until I pushed the issue ) so I should call her back if I have questions about work completed in a department that is not accessible by Ditech 's customers??? Anyway, it has been longer than the amount of time she said it would take them to do this and I have yet to hear back from them. I did send a letter on XXXX/XXXX/XXXX to their corporate headquarters. The only result I received was a phone call from them saying, " I was told to call you because you have questions regarding a refi? '' I did n't put two and two together until after I told him I was in the process of doing my refi with another company because when I called them last month to see about it, the person I spoke to was very abrupt and unprofessional. I have NEVER been late or missed a payment in the 22 years I have lived in this house. I trusted that they were the specialists and that when they notified me of the increase in my monthly payment, it was all encompassing the new tax bill amount. I was extremely unhappy to have been treated the way I was and now I have to come up with nearly {$1200.00} because of their error. This is just not right!!! Sorry for this statement, but it seems the inmates are running the asylum.
I have asked the debt collector numerous times to not contact me at my work as they are jeopardizing my job but yet they continue to do so every time. I gave them my personal mobile number and they still call me at work and every time I tell them they say they will remove the number from my account.
A person deposited {$200.00} dollars into my account via Quickpay service of Chase bank. ( Note : You do not have to confirm a payment from a person, funds show up in account ) * {$100.00} was the agreed upon from a person who bought an item from me online, via an online website service like XXXX. * The person sending it was a fraud, on XXXX XXXX, 2017. They were using someones account to pay for an item purchased from me. <P/>Chase bank freezes my account, b/c of an escalated claims case. <P/>So what happens here, is Chase determines to stop payment from all my autopayments from various credit cards. <P/>Various companies are going to take advantage of me because of the banks decision. -- -- -- -- -- My XXXX Card, i turned off autopayment.. and my grandmother called in to pay for the bill. What ends up happening, is they said " it was too late that you turned off your autopayment, b/c we billed the bank already.. '' Plus : " your grandmother must have gave us the wrong number of her bank account '' So they hit me twice, with {$27.00} dollar fees. {$54.00} in total. <P/>My gas card, I paid after they froze the account. Cumberland farms now wants {$25.00} fee, and the original cost of the gas. They only gave me a few days to pay it, or it goes to an agency they said. I have a payment pending, which is my electric bill, recently paid. I am a little worried they might not get their money. -- -- -- -- -- -- Being a customer of Chase was convenient, and it was working out fine with them. But they overabuse their power.. and I did not do anything illegal. It could have been anyone, as long as their account is opened to receive direct deposits. If someone just puts money into your account, and then disputes it later. They have the right to freeze your account. That power should be taken away from them. <P/>I am a poor man, on XXXX XXXX XXXX I have a very low income, and I am in debt. These fees, and the Banks decision to freeze my account, pending a claims case, was a harming emotional experience I never want to go through again. I had to work around the clock to try to fix this.. but they still win.
Equifax willfully mishandled my personal credit information by employing extremely substandard secruity measures leading to a massive breach of personal data in XXXX XXXX. This was done knowingly, as multiple Chief Executives of the company engaged in share dumping activity immediately prior to the leak becoming public.
A debt collection company in XXXX, Arizona sued me in the local court system over unpaid credit card debt. I called the debt collection company and spoke to a man named XXXX ( if my memory serves me correctly ), and told him that I can not pay the debt due to financial losses and other circumstances, and offered to pay the debt off at {$200.00} per month, stating that {$200.00} per month is as much as I can afford on my current budget. 

XXXX told me during that phone conversation that he would email me a copy of an agreement that would enable the loan to be paid off at that rate ( {$200.00} per month ). I told XXXX that I must see the contract before I can agree to it. I never received that document, and so the agreed arrangement was never initiated. 

Now, the debt collection company for which XXXX works is initiating garnishment of wages at the maximum allowed rate. If garnishment is initiated I will not be able to pay my bills and suppose I will have to file for bankruptcy - something I have not done because I have not even had the funds for the fees involved. 

This is the second time a debt collector has initiated garnishment of wages after agreeing verbally to accept monthly payments. The previous occasion was resolved through your assistance. 

Since the agreement to pay off the debt at {$200.00} per month, my rent has gone up by another {$120.00} per month. At the same time, there was no cost of living increase for me this year due to my employer 's business losses. I really do n't know what I will be able to afford for debt payments now - and my landlord can be expected to continue raising my rent yearly. 

Your assistance is much appreciated, XXXX XXXX
There was an unauthorized credit pull from American Express that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with American Express, XXXX and XXXX XXXX was pulled fraudulently.
On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. I did not authorize them nor did I apply for any type of credit. whne I realized that my credit was ran I immediatley contacted them to have them inquiries removed. The General Manager advised me that they moveremove them with 30 days that was on XX/XX/XXXX. Since then the inquiries on still on my credit report . I have contacted XXXX and Equifax to dispute these 4 unauthorized inquires due to fraud being commited since I did not give permission for my credit to be pulled ,  XXXX and Equifax  advised me that I had to contact the XXXX  XXXX to resolve this issue.
On XX/XX/17 I got an alert from Chase about increased activity and a " corrupted pin number ''. I told agent which charges were not mine. She credited me. Then today I got another letter from Chase saying they were not crediting me, withdrew the money and added the fees because thief used a non-Chase atm! Manager at Chase stated there was " no way my card was compromised " if I still had it in my possession. I was told that the investigation did not include looking at the Chase ATM footage .He said " other people have given friends their cards and Pins then falsely claim money was stole. '' He told me my case was closed and I would have to go to Police and get a subpoena to have someone look at the Chase ATM. It's not alot of money but its all I have. I had been an established customer for some years with this bank. I feel I was discriminated against and prejudged because I am a young female. How do I try to get it back,