WillisBack/dataset-financial-user-claim huggingface dataset:
I have experienced financial difficulty. From the beginning I was in contact with Tower Loan to let them know I was trying to get them paid but I was struggling. From the beginning they were very rude to me. My first attempt to get the past due debt taken care of was going through a debt consolidation company. When I told tower loan this i spoke to XXXX who was the manager at the time and she said she would make a note of it. After that she never called me. I was advised to send my creditors a cease and desist letter to all my creditors so I sent one to tower loan. There was a change over in management and someone showed up at my house about a month after I sent them the cease and desist letter. I found that totally uncalled for. I had n't received a phone call from them in a long time so I did n't understand what gave them the right to show up at my house. That night is when the phone calls started. 10 minutes after the lady left my house XXXX from tower loan in XXXX. I informed her someone had just left my house so there was no reason for her to call me. I told tower loan again that I was going through a debt consolidation program to get them taken care of. They then told me that they had turned my account over to an attorney to start the process to garnish my wages and the only way that would n't happen is if I paid my account current. At this point they were trying to scare me into paying my account current and they were not willing to work any payment arrangement out with me that did n't consist of getting the account current. At this point I was so scared of them garising my wages I contacted a bankruptcy attorney. I ended up retaining XXXX in XXXX mo and I cancelled the debt consolidation. I told tower loan that I was sorry but I was filing bankruptcy. They were agan very rude to me and told me that evendors though I was filing bankruptcy they could still take my belongings that were secured. I let her know I had discussed that withe my attorney and that he was going to take care of it all for me from here on out. She told me that they would fight to get my belongings from me. I again asked them to not call me. She informed me that until they had a case number they would continue to call me. I told her that I was tired of them harassing me even after I sent them a cease and desist letter to tell them to not contact me and she said they would still call me. This has continued long enough and I am tired of them treating me like dirt and calling me daily when they know what is going on. I am filing bankruptcy and they attorney has been retained. I do n't feel like there is anything else to say to them but I ca n't get them to stop calling me and harassing me. I have asked them several times and they refuse to quit calling me
These XXXX collections, all the reference number, just appeared on my credit reports. No notification, no letters. Just straight to my credit report by Merchants and Professional
Discover Financial services is excessively running credit inquiries from XXXX. They are inquiring at least once every two weeks, in once case twice in ONE day, in a couple of cases, one week apart, and apparantly have done so for at least several years. They are no longer a creditor to me, has not been since XX/XX/XXXX, and I will never be a cardholder of theirs again. In addition, according to the credit report, they plan on continuing to be on my record until XX/XX/XXXX. I have since had another creditor raise my APR due to, at least in part, this excessive and needless practice. I need them to not only stop running these inquiries, but remove me from any list they may have me on as a prospective customer, and also need to remove themselves from my report altogether, as I have not been an account holder for over 7 years. I tried to report this to Experian, but their website is not working correctly to do so, and there is no actual phone number to contact a real person.
Check was issued to payee, money was deducted from checking acct, however payee never received moneys and check was never endorsed by payee. Transaction happened XXXX, XXXX XXXX XXXX XXXX Signature Bank, XXXX. XXXX, XXXX, XXXX XXXX
Grocery store franchises used my documents as retailers stores products as food products frauding scams using XXXX XXXX products and containers and advertising and post data terminals receipts and SKU number and stock number XXXX  scams using hidden XXXX XXXX dressing company XXXX   groceries stores XXXX 's groceries stores XXXX groceries stores XXXX grocery stores XXXX   groceries stores XXXX grocery stores XXXX groceries stores XXXX  groceries stores XXXX XXXX   groceries stores XXXX XXXXXXXX XXXX franchises XXXX XXXX franchises XXXX XXXX   franchises XXXX XXXX franchises XXXX 's resterants franchises XXXX 's resterant franchises XXXX XXXX  Dinners thru out the XXXX XXXX XXXX  resterant stops diner menus
RE : Follow Up Documents to Complaint # XXXX I have just received an auto response email from your office, thank you. 
Please know it appears that US Bank is partially completed a review of my accounts and has requested an additional 60+ days to formally reply to your office and me personally. 
Therefore, it is my request to ask that you join this complaint with the original in an effort to insure they have ALL of the documents available to them, that may not be a part of their electronic records. I would appreciate your help with this as I do not want to do anything wrong but need to stress the importance of these attached documents. When I first filed the Complaint I wanted to include them, but taking care of our XXXX daughter XXXX did not allow me the time I needed to convert certain documents in to appropriate formats for transfer and viewing. 
Thank you for helping our family, XXXX XXXX
I tried to place a credit freeze at TransUnion. I answered one question incorrectly, but was unable to correct it so I was locked out of the system. I tried for hours to contact TransUnion and was on hold the entire time. I then tried to find a way to email TransUnion and there is no option for emailing. My only option was to write a letter, and according to the website it could take 30 days to get a response.
We received a notice on XX/XX/XXXX from Seterus, Inc indicating we were in default and owed {$3200.00} to cure the default as of XXXX/XXXX/XXXX. The XXXX/XXXX/XXXX letter also indicated that Seterus, Inc had filed a Notice of Intent to Foreclose. The letter indicated no legal action would be filed for 45 days from XXXX/XXXX/XXXX. I notified Sererus XXXX XXXX XXXX XXXX at XXXX and by fax at XXXXby phone, by fax and by mail that we would be able to pay the default amount in two installments in XXXX and XXXX. The amount needed to cure the default as of the XXXX/XXXX/XXXX notice is {$3200.00}. I indicated in my voice mails, my fax and my letters sent XXXX/XXXX/XXXX that I would make two installments of {$1600.00} in XX/XX/XXXX and XXXX to cure the default and prevent foreclosure. I also indicated that I would pay the regular monthly mortgage payments of {$950.00} in XX/XX/XXXX and XX/XX/XXXX in addition to the {$1600.00} to pay the default amount and bring our account current. I got a call back on XXXX/XXXX/XXXX from XXXX at Seterus at XXXX that my fax was illegible I recontacted him and XXXX XXXX XXXX indicating what the fax was asking and also indicating that I had mailed a copy of the letter and the fax material. The copy I mailed to XXXX XXXX and XXXX were legible. Essential I indicated to them that we were offering the abnove proposal to bring our account current and to avoid foreclosure. I indicated I planned to make the above payments but wanted a breakdown of how the default amount was arrived at. THe person I contacted at Seterus, INC on XXXX/XXXX/XXXX was XXXX XXXX XXXX Consumer and Government Affairs ph XXXX fax XXXX. 
I mailed correspondence ( the fax material ) to ( 1 ) Attn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX, XXXX XXXX
This debt was already paid and I have contacted equifax and told them that I have paid this debt five to six years ago. I also contacted the company which stated this should not be on my credit but equifax refuses to remove it.
I purchase a XXXX phone back in XXXX or XXXX as a XXXX gift for someone. on XX/XX/XXXX, I contacted XXXX store asking teme about return slip. so that I can return back the phone. the refused because they stated that the phone was purchased over 30 days and therefore can not be returned. I explained to them that the person did not want the phone because the could not use their present carrier and the phone would be of no use to them., After the refused to send me a return label, I then, contacted the financing company Synchrony bank them to cancel the account. the financing bank cancelled the account and fowarwed me an email in a letter stating the finincing account was close. I was to begin paying for the first payment of the phone on XX/XX/XXXX, however, I had started the process of returning the phone. the phone was returned to the mailing address it came from and someone signed for it. I then contacted XXXX store explaining that I will not be doing the monthly payment due to the fact that the account was closed and the phone was returned back to them. I asked them to stop call and to take the negative report off my credit report. they stated that they would investigate my concerns. after about a month the send me a letter stated that I need to send proof that the phone was returned. I did ned then proof and a few weeks later the informed via mail that the could not find the return phone and therefore I was still responsible for the {$690.00} charge for the phone.
I received a letter in XXXX stating I only had {$3200.00} in flood coverage. I called my insurance agent who sent me and faxed Wells Fargo the declaration page showtime clearly had $ XXXX coverage. I called Wells Fargo to make sure they had what they needed. They said they had it and nothing else needed to be done. I just received another letter dated XX/XX/XXXX that I did n't have enough flood coverage again. I called both mortgage and my insurance agent who uploaded to their system, faxed to them and emailed to me the same declaration page showing we have had coverage the entire time of the loan for the full amount of $ XXXX. I was told to wait 24-48 hrs to make sure they have it. I called today Wells Fargo states they do have it, they also had itXX/XX/XXXX. I asked for something in writing today showing it was all taken care of. I was told yes by 3 people that I could get a fax today saying it was done. I then get the recovery XXXX XXXX XXXX that says I ca n't get this letter today. She said she will open a case # XXXX I asked to speak to XXXX XXXX in her department since he handled the first issue. He was n't available and I was told I could n't hold. I left him a message. I also have the issue that on XX/XX/XXXX {$540.00} was deducted from my escrow for flood gap insurance that they purchased for me. I DID NOT NEED THIS. They had my info showing I was fully covered. On XX/XX/XXXX they refunded partial amount back {$470.00}. There is a {$73.00} difference that they kept. No one can tell me why and I spoke to 4 people today. I was told by the first 3 that the {$73.00} will be fully refunded. Again they wo n't put in in writing for me today. The very next dayXX/XX/XXXX they took out another {$470.00}. Not 1 person today could tell me why. I spoke to 3 people in the insurance department and then XXXX XXXX in Customer Care that was no help, very rude, continued to interupt me and try to over talk me.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX. XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX-XXXX  : XXXX Transunion : XXXX ) XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX   XXXX : ( XXXX Transunion : XXXX ) XXXX XXXX XXXX : XXXX XXXX : Transunion. XXXX ( XXXX  : XXXX XXXX   : XXXX Transunion : XXXX ) XXXX/XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX CC ( XXXX  : XXXX XXXX : XXXX Transunlon. XXXX XXXX XXXX/XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX )
I opened a bank account with a stipulation to get {$300.00} if I made {$5000.00} of deposits over the period of 60 days. Now the bank says it should have been over 30 days.
My Name is XXXX XXXX and I need to file a complaint against my recent experience with capitalone credit card. I have been using my capital one credit card since 2011 and this is actually my first ever card ending with XXXX ( Master Card ) 3 days ago I logged into my account and see there was a " Restriction notice " on my account meaning that I am unable to use my account due to unknown reason. and the message says ( This account is currently restricted. ( Ref. No. XXXX ). upon calling their representative I was told to send my proof of identity that I am the right card holder. they ask me to send my copy of social security and driving license via fax/email. I spoke with their on duty supervisor and expressed my concerns that I am not comfortable sending my secure information over email or fax to anyone. she said the other way is if you bring all original documents to visit one or our branch and let their branch representative call at XXXX so that we can activate your account. I found that way reasonable though bank is still 30min drive from my house. today I went to their nearest branch in XXXX, XXXX and the lady had called at the given number but their card representative said I still need to send these copies via email/fax to them and they can not verify my identity and my wife 's identity without getting copies our social security and driving license via fax/email. 
My complaint is 1- what makes them feel after so many years that we are not the right account holder2- why they can not verify our identity when we went in person with all documentation to their branch as per their supervisor instruction? 
3- Now, I have decided to close my account with them after getting last statement but upon asking to give my earned rewards back they said I can not get those unless account is reactivated and for that I must have to follow their instruction. the only reason for closing my account is that i dont want to send copies of my secure information to anyone for this simple transactions based issue. and they wont release my earned reward which I earned after so many spending 's unless I send these. 
So please let me know what are my rights being a consumer and what capital one rights in terms of accessing someone 's private and most secure information? 
Thank you
I received a notice of a law suit by a company called XXXX XXXX XXXX with the case name XXXX XXXX .... 

I never had an account with XXXX, I don't owe this debt. The lawsuit says I owed a company called Citibank, I never had an account with Citibank either. 

Maybe this is for someone else, and they got me mixed up. 

I don't owe this debt. I want this lawsuit dropped and my name cleared.
Someone tried to open at XXXX XXXX XXXX, on XXXX/XXXX/XX/XX/2015, the next day XXXX sent me notice that on inquiry was made at equifax. I contact the following XXXX, XXXX XXXX XXXX and was told to file a dispute with equifax. I did so on XXXX/XXXX/XX/XX/2015, they replied on XXXX/XXXXXX/XX/2015. Stateing that " & gt ; & gt ; & gt ; We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factualrecord of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questionsabout this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX ''. As stated before I have already contacted them and was told to contact them. 
I want the unauthorized request removed from my file.
Hi, I certainly hope you can help as my home is in foreclosure with an auction date this Monday, XXXX XXXX. I 've been requesting a loan modification due to financial hardship for almost two years now from Nationstar Mortgage. I have been in my home since 2003. Today my attorney filed a strong suit against Nationstar LLC and XXXX XXXX XXXX XXXX. in the XXXX XXXX XXXX California , XXXX of XXXX XXXX, at the XXXX XXXX courthouse. I have now had my current attorney and a modification broker/agent I hired prior to him communicate with Nationstar non-stop during this time, and to no avail. Numerous and complete modification files have been submitted and none opened. All communications with Nationstar between my former agent with them, and my attorney with them, have been documented by us. Nationstar continues to ignore requests for pertinent and urgent information, claims time and again that they have n't received certain docs when they have, provides false information which depends on who you speak with there, and has sincerely provided no legitimate service or assistance in my trying to pay a modified mortgage which I 'm quite able and have been ready to do, and get my financials and credit back on track. I could go on but as the sale date is imminent, I 'm seeking any assistance they or you can help provide in stopping that action immediately, and just short of their causing additional serious damages to be accounted for in court at a jury trial and in class-action. I want no more financial stress and emotional hardship, and certainly would never be able to own and operate a licensed business in the State of California as they operate theirs. Nationstar has ignored the California Homeowner 's Bill of Rights in this case. Please help!
I sent a complaint to Transunion over a moth ago and they have yet to respond. I have been disputing accounts on my credit report that are inaccurate. They have failed to send me proof of how they investigated my dispute. By law they are to respond to me within 30 days with the original contract that I have signed. If they can not prove the the items I am disputing are mine according to the FCRA section 609 law then those items must be removed. What Transunion is against the law and I am in the process of filling suit.
I applied for some personal loans on a few sites, and apparently my information was sold to numerous foreign groups who started calling repeatedly and aggressively saying they were from legitimate companies like XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I spoke to numerous representatives who were all promising loans but needed a deposit first. One company did not want money, but {$200.00} in XXXX cards saying that the money would be refunded after the first payment. I called the police and they have opened a report. I called XXXX XXXXXXXX XXXX   and they are aware of the scam. Everyone seemed to be aware but me. I had sent them my ID, and they already had all of my banking information as well.
On XXXX XXXX, XXXX I contact XXXX, Experian, and XXXX  concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.
I received call from unknown number stating they were going to serve me and had a warrant out for me. He said that he was from the XXXX County Courts and to call XXXX for more information. I called this number and it was to Internal Check Systems. I was told they were calling regarding a payday loan for XXXX XXXX XXXX. I advised him that this sounds like a scam since there XXXX for this company had a scam alert. XXXX yelled obscenities at me and hung up. 
I called back and asked for the manager. I was transferred to a XXXX XXXX who told me he was the owner. I asked him if he was a debt collector, why he did he not send me anything through the mail. He advised me that he did a month ago, but would not say what date. I advised him I never got anything in the mail and that this is the first they have called. I asked for him to mail this to me but he refused and said that they would sue me and go to my work or home. I told them I have paid this in full. He told me he would only give me till Monday to send him my response.
I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bankruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?
THD/CBNA ON XX/XX/XXXX did a hard Inquiry that I was not made aware that they where going to do a hard inquiry. In the past i had THD/CBNA card so when they offered me a promotion in the store they did a hard inquiry and did not make me aware that they where doing so. I have had a credit card with them for years so i don't know why they would do a hard inquiry. 
Also, recently THD ( The Home Depot ) XX/XX/XXXX did a soft inquiry and for what reason i have no idea.
In 2008, I did XXXX gym contracts with XXXX XXXX XXXX. To end the contract, I had to write XXXX letters stating that I wanted to cancel my memberships. Both letters was written, but only XXXX was accepted. I 've been receiving debt collectors letters since. I ca n't reach XXXX for the proper help and the debt collectors wo n't help. Now I just received a letter that my checks will be garnished. I do n't know how to go about disputing the debt. Please help.
Experian credit Bureau has several Hard Inquires on my report that I did not apply for financing or inquire about credit. I contacted Experian and they informed me that Hard Inquiries on credit report can not be disputed. Hard inquiries that I did not approve include : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PA XXXX XXXX MD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  DE XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX