WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted on XX/XX/2019. THe person gave me a last four of SSN and birthrate and I told them the debt was not mine. 
The person immediate called me back then called another company number asking to speak to my boss. Then they called me back asking to speak to my boss. I asked them for information regarding the debt which he failed to provided but claim to be sending to my boss. I asked for his address so I can contact them in writing and tell them I am the wrong person. He gave an incorrect address and birthday and I again informed them the debt was not mine. 

File # XXXX
I can not get a decision from underwriting on a refinance and modification of the existing mortgage loan. I am requesting reduction in the monthly mortgage payment from the current rate of approximately {$1200.00} a month to {$800.00} a month and amortization of the current arrears on the loan and a lower interest rate on the mortgage loan.
On XX/XX/2018 I disputed an item with Experian via verified letter which included a Dispute Letter and a copy of the Disputed item ( XXXX XXXX Account ). I stipulated that : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of said furnisher, if reasonably available ... '' Please note, a tird party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6_ ( B ) ( iii ). I demand direct, not third-party, proof according to the FCRA, section 611, paragraph ( 6 ) ( B ) ( iii ). Please provide me with : the Name of the Person you spoke with who identified the account ; an original Consumer Contract with my Signature on it ; the Telephone Number of the person who verified this account ; and the Documentation Used to Verify the dispute. I received a letter from Experian that said my account had been " UPDATED '' but Experian did not include any of the information that I requested, and due, as per the law. 

I then sent Experian another second certified letter ( mailed on XX/XX/2018 ) again demanding that : according to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), I was specifically requesting that " they provide me with : 1, the Name of the Person they spoke with who verified the account ; 2. an original Consumer Contract with my Signature on it ; 3. the Telephone Number of the person who verified the account ; and 4. the Documentation used to Verify the dispute. YOU HAVE NOT PROVIDED ME WITH THIS INFORMATION WHICH IS GROUNDS FOR DELETION. Under the FCRA, unverified accounts MUST BE REMOVED and if you are unable to provide me a copy of verifiable proof as per my request above and as per the law, you must remove the disputed account. If you do not provide me with the above mentioned information to verify your investigation results as required by law, I will file a complaint with the FTC and the Consumer Financial Protection Bureau. '' I received a second letter from Experian, dated XX/XX/2018, stating that their reinvestigation of the results had been " UPDATED '' ; yet none of the required verification information was provided. 

I am requesting your assistance is putting an end to this matter and their blatant violation of my rights. I have already contacted the FTC and I am now contacting your organization because my rights have been violated and I want the said referenced account to be permanently removed as is my right under the law. 

Thank you for your assistance, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given to me which is a violation and I am requesting that ALL inquiries be removed.
I contacted Nordstrom credit to ask for an evaluation of my interest rate. The default rate is 31 % and can be implemented any time a customer falls behind. 
However, I was told that the system would not allow an eval and Nordstrom is unable to do any evals for at least the next few months. I asked if customers lower rate would be retroactive ... I was told they cant even access the tool to determine if a rate adjustment is possible. The agent could not even XXXX me a timeline as to when the system would be working again. 
Why are customers expected to pay extra for months without any way to re-evaluate? If that is the case, Nordstrom should not be allowed to raise interest rates until the entire system is fixed. I was told TD Bank is running the system -- seems strange they can not get things corrected when they are up and running branches and other services every day. 
These default rates are robbery -- but to be forced to continue to pay higher rates with no way to reduce or even be considered..is fraud. If you multiply the extra charges over thousands of customers..it could be substantial profit for the company while being a hardship for people struggling to pay their bills on time and catch up late payments.
In regards to the property located at XXXX XXXX XXXX XXXX Ca. XXXX Wells Fargo Bank : The property is being rehab after a fire destroyed it XXXX %. I am trying to complete the final stages of XXXX out of my own pocket. I have fully reinstated the loan twice, the last time in XXXX XXXX for approximately {$16000.00} all this in effort to sell the home. Wells Fargo has done nothing to assist in this process, in fact in XXXX XXXX, Wells Fargo Agent 's came to the subject property and kicked in the doors thereby destroying the door frames and breaking newly installed windows under the guise of inspecting the property. I filed a claim in XXXX XXXX for the damage Wells Fargo caused, however, I repaired the property once again out of my own pocket, and forward the insurance of {$4700.00} to Wells Fargo with specific instructions to apply the funds to the mortgage payments. Wells Fargo refused and instead filed a Notice of Default with XXXX XXXX XXXX T.S. # XXXX as the Trustee. However, when I reinstated the loan in XXXX XXXX, XXXX XXXX XXXX XXXX was my Trust Deed, I have never received any Notice of a Substitution of Trustee, moreover, Wells Fargo has not disclosed where the aforementioned {$47000.00} is being held, nor will Wells Fargo provide a statement about the amount filed on the Notice of Default. The property was up for sale however, because of circumstances which Wells Fargo contributed to, it had to be pulled. Wells Fargo has not provided a single point of contact, every time I telephone I get a new person, I am told that someone in the executive office is working on the loan, however, I have never spoke with them, additionally, they are not equipped or work in the capacity of a point of contact as prescribed by the Attorney General of California.
On XX/XX/18 XXXX XXXX contacted my mother in law and told her that they were going to sue us if we didn't pay them. Not only did they tell her about our debt, they threatened legal action. This company has also repeatedly called my husband claiming to be someone from his place of work just to get him to talk to them. They are dishonest and corrupt.
Hi, On XX/XX/2018 I placed a call to inquire about a new monthly interest charge I was receiving because I wanted to pay off the portion of the current balance that was causing these charges ( XX/XX/2018 for {$10.00}, XX/XX/2018 for {$2.00} ). The following charges on my account I believe were to be causing the interest charges : XXXX XXXX XXXX XXXX XXXX NY - XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX NY - XX/XX/2018 I want to pay off these charges on my balance in order to avoid any further interest charges. Currently the employee over the phone stated that I must pay off the promotional balance transfer offer first and then I would be able to pay these charges off after to avoid interest. This makes no sense to me as they allow you to do this for their consumer credit card but not their business credit card, why? I also complained about this before and had to get in touch with a manager last year who did refund my interest charges. 

Prior to these charges, I was sent a series of promotional balance transfer checks that I wanted to use for my business. I have paid the balance promotional fees required for each check I took out but now that I am paying additional interest charges, this seems like XXXX XXXX XXXX is trying to take advantage of me as a small business and charge me on anything else possible despite being a loyal customer for several years with great credit and very good record.
I was astonished when I looked at my Equifax, XXXX  and XXXX credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
CMRE has been sending me detailed records that appear to be numerous HIPAA violations. They have been sending me detailed information regarding procedures, and have even alluded to medical issues when they have attempted to call. I do not understand how they were provided this information, as I never saw the doctor 's listed, so I never would have signed a HIPAA notice. Either they are allowing other people to enter my information as fraud, or they are just outright violating my rights. Every single piece of paper they send is getting sent to the doctor 's office that is below my address. I am XXXX XXXX XXXX XXXX which is what my license says. Yet, there envelopes get delivered, UNSEALED, to the doctor 's office below me. This is causing even more violations as they are not taking care to protect my CONFIDENTIAL MEDICAL HISTORY!!! They have also been ending this paperwork to XXXX XXXX XXXX, which appears to have something to do with my husband 's past employment. Interestingly enough, they have now been calling asking me to pay the bills, so they can stop being contacted. This again, is a clear misuse of your provided allowances, and a complete disaster for me.
After paying for this supposed service or offering for 1.5 years, there has been zero improvement.
I paid off a collection with this company over a month ago now. They assured me it would take at most 30 days for the collection account to be removed from my credit report. It is still showing up.
My wife received an invoice for ambulatory services ( in a name spelling close to her maiden name, a name that was legally changed to " XXXX '' nearly 10 years ago ) that was issued in the state of Georgia on XX/XX/XXXX for the amount of {$1400.00}. My wife has never been in an ambulance nor visited the state of Georgia. We called upon receiving the invoice to the company listed there in and notified them in these regards. We were told then that it would be investigated and if further information was needed that we would be contacted on the matter.

The ambulatory service ( issuer of invoice ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX invoice send date XX/XX/XXXX TodayXX/XX/XXXX XXXX XXXX PST I received a phone call from : Professional Bureau of Collections Maryland ( XXXX ) XXXX.

In which the collector notified me that there indeed was a collection against my wife for the services ( never received by her ) listed above. I explained the situation to the representative exactly as stated above that my wife had neither ever been in an ambulance or to the state of Georgia. To which she replied that further actions would be taken against us regardless of claims made by us.

I called the number listed on the invoice promptly moments after and explained again the situation at hand and was informed by their representative " XXXX '' that she would have her supervisor investigate the matter further and contact me directly if any additional information was needed.

Company affiliated with the company issuing the invoice : XXXX XXXX XXXX ( XXXX ) XXXX.

While on the phone to XXXX XXXX XXXX  I received another phone " robo call '' " unknown debt collector '' that merely stated to call the listed number below because legal actions were pending against me.

( XXXX  ) XXXX
I asked for a loan Modification ... .has paid the trail period a few times ... But the loan interest is still high and the payments not as good as XXXX and otehr banks ... THey are not discountqsing THe Obama XXXX discount of {$100000.00} per mortgage ... loan ... Iasked for a modification agreement not a lien modification agreement ... .We both must agree on something and erase all the arrears since this loan is a toxic loan, given up from XXXX XXXX They should give what the consumer can afford ... SPS servicing can only erase {$300.00} or less on d payments infact other banks and collection agencies drop to {$800.00} less and up to {$1000.00} less from current payments ... because they dropped their interest up to 2 % a year for 5 yrs..then it goes up..after five years of payments ... we want to resolve this issue ... immediately, they are forcing me to sign ... a contract that I am not happy and still high..monthly payment ... Thank You ... XXXX or XXXX XXXX XXXX ( XXXX )
Have continued to have full coverage of insurance on our house, we are waterfront and carry, hazard, flood, and wind insurance. Received letter from Provident Funding about 4 weeks ago saying our wind insurance had expired. That was untrue and had our statefarm agent call them and then fax a copy of deck sheet showing them as mortgagee. 
We received another letter today claiming wind coverage had expired and with the letter they had FORSE PLACED COVERAGE. 
I called my agent and she has documentation saying they were given the information requested, She again called them and they finally found the documentation sent several weeks ago. They told the agent they would resend the new policy they had written.
I had several fraudulent charges that appeared on my account. I had made several appointments with XXXX local banking centers to resolve the issues. The banking center were a party to the delays in reporting the claims and as a result my account accrued additional fees and surcharges. 
Examples of the fraudulent charges : Major retailer charges without the store number associated, multiple charges on the same day containing the same transaction number for various amounts, charges at local gas stations for XXXX and XXXX my normal charges, Schedule rollovers being delayed, Transactions where the major city and state do not match, holds being placed on my account for ghost transactions, my account being charges a fee for reporting fraud.
I need XXXX  as well as Experian and XXXX  to report correctly that XXXX XXXXXXXX XXXX has a XXXX balance and is a paid and settled credit card from XXXXXXXX XXXX XXXX
I was a victim of identity theft on my cedit report I called filled a completed with transunion but nothing has been done I trying to repair the damge the theft have done all these inquiry was not done by me XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX same inquiry also o n XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX also XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX thank you for your time hope you can help
After a plethora, and nearly years of arguing with Transunion, they finally accepted my multiple police reports, FBI complaints, Texas AG complaints, and FTC ID Theft document and blocked all the fraud accounts. I checked my monthly report only to find one of the most nefarious of all FRAUDULENT ACCOUNTS BEING REPORTED, XXXX XXXX WITH A BALANCE OF XXXX According to the credit reports I have saved over the years of this nightmare with Trans Union this account was blocked 9 months ago. I never received any word that it was reinserted, at this juncture its illegal for them to have done so without informing me but more egregious is the fact the account is BONA FIDE FRAUD.
They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  maryland   XXXX and  my phone number is  XXXX
On XX/XX/2018 I called XXXX XXXX ( issuer of XXXX XXXX XXXX account ) to inquire why my interest free promotional balance was {$420.00} and the total balance due was {$700.00}. I was told that the additional was late fees and interest charged on the late fees. I was told by the agent on XX/XX/XXXX that they were including the late fee in my payment due but have not been applying them to the late fee balance. Instead they have been applying them as additional principal payments. He also said that even though the additional amount added to my monthly payment was collected for late fees that I would have to call and tell them to apply it to the late fee otherwise they would go unpaid. This has resulted in me owing an additional {$270.00} dollars and counting in late fees and interest because the interest is continuing to be added to the late fee balance. Over the years I have called Synchrony many times and no one has mentioned this even when I have called specifically about my late payments. This is also not mentioned in the billing statements or on my online account. I feel that it is deceiving to collect for late charges but apply them for something other than collected for.
Payment has not been applied to my account ... .Made car payment on XX/XX/2018 with confirmation and have been receiving late notices via e mail Have contacted loan co several times with no resolution
chase let someone use my card still refuse to return my money after many attempts they have violated my consumer rights and i want my money back
This is not a duplicate complaint. The credit reporting agency, Equifax, is fraudulently reporting an adverse collection account on my credit report. The collection agency ( XXXX XXXX ) and credit reporting agency ( Equifax ) received written documentation showing that the account was paid in full on XX/XX/2016, as the original creditor ( XXXX XXXX XXXX, XXXX ) accepted full and final payment of the account. The collection agency is fraudulently reporting a delinquent account when it is not.
I had a charge that was charged my card as an authorization by XXXX and when i stayed at hotel as told it would drop off and decided to pay in increments for hotel stay ( {$330.00}, {$160.00}, {$890.00} ) as i did n't know how long we would be staying for whole reservation as home was n't ready to move in so we changed our reservation. After checking out i noticed my XXXX XXXX credit card had a charge for the full amount of {$1300.00} and authorization never dropped off. When this happened i contacted bank of america and dispute these and filed a claim for these duplicate charges. XXXX out of the XXXX charges were credit back as permanent credit ( {$330.00} & {$160.00} ). The XXXX was still not credited back after going back and forth with bank trying to get this resolved. The bank made errors when resubmitting and caused delays and issues with claim which was their error. In XXXX i received claim response from merchant and then was allowed to submit rebuttal for claim which i did and faxed back to bank for all XXXX amounts. How can they process XXXX but not the XXXX correctly when there all a part of same amount. They stated it was past time frame. when clearly i responded immediately when they requested along with others they gave me credit back for so it was not past time frame. I then called back in XXXX to resubmit the {$890.00} for the XXXX time. I even specified there was a XXXX XXXX statement on file showing the charge was made on another card and was never refunded. I never received any notiice of result of claim or response since XXXX. I did however receive a response for the {$160.00} amount which they stated was a permanent credit. I called the bank on XXXX to check status again. and once again they submitted claim incorrectly, did n't notify me whatsoever of any result or update or phone call for that matter. My account got closed for the - {$500.00} amount that resulted from that charge when they reversed the temp credit prior to getting my rebuttal and proof of duplicate charge. They were notified, provided every document from me and makes no sense how XXXX transactions for the same thing same stay at hotel and same charge on my XXXX XXXX can be refunded for XXXX but not the XXXX when there all the same issue.
I'm behind one payment, nearing two payments due, I was diagnosed with XXXX and going by through treatment. 
Before things worsened, I called US Bank mortgage to see if they might be able to help in some way so I can have the ability to pay for my XXXX and XXXX treatment. 
They stated they only could : Do repayment plan- meaning " catch up '' Forebearance plan- meaning " let payments stack on each other, then try to catch up '' And Refinance- meaning possibly qualify for lower interest or restart loan amortization for another 30 years but not guaranteed. 

None of this really helps in any way to consumers in my situation.
In XXXX of 2016 I looked into filing bankruptcy as a way of clearing up credit card debts. Instead I chose to use a credit relief program. I spoke to XXXX XXXX at Clear One Advantage and I agreed to have them take {$430.00} out of my checking account every month to make settlements and pay off 4 credit cards. These cards were XXXX XXXX XXXX - {$2700.00}, XXXX XXXX XXXX - {$1800.00}, XXXX XXXX, {$15000.00}, and XXXX XXXX XXXX - {$7300.00} ( these amounts have all been rounded up ). Since starting this program, more than {$5600.00} has been taken from my account. My contract has been transferred from Clear One Advantage, to XXXX XXXX, to XXXX XXXX XXXX. I have never received an accounting statement from any of these companies telling me how this money was distributed, even though I have asked all 3 of them to me. I have received notifications from XXXX and XXXX advising me that settlements have been made - yet when I call each of the 4 credit cards I find that they have been paid nothing. XXXX told me that both XXXX XXXX XXXX cards have been paid off and that I should call the bank for a " settlement letter '' - the bank had never heard of a settlement letter and told me that they have not been paid anything. Neither have the other two cards. Where has my {$5600.00} gone? Why do they refuse to send me an accounting? Why has my account gone from Clear One, to XXXX, to XXXX? And why can I never get a direct answer from any of them? 
I believe I am the victim of a fraud and want to stop the automatic withdrawals from my account. But what are the legal consequences to me if I do that? I have talked to a lawyer about this, but can not afford to hire one. I am XXXX XXXX XXXX, XXXX, and on Social Security. I am being lied to and being defrauded by these so-called " credit relief '' companies. Can you please help me? 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX
This is my office cell phone. Not mine. I told this company to stop calling me but they wont. I had XXXX twice, my wife is out of work, we have no money, lost everything and can not pay credit card.
In reslonse to my complaint filed on XX/XX/2018, Wells Fargo stated they were unable to contact me. 
Wells Fargo called me on XX/XX/2018 and notified me they were reviewing my case and I verbally spoke to XXXX. 

XXXX from Wells Fargo called me again on XX/XX/XXXX and notified me there would be a delay in investigating my case. Wells Fargo called me twice and I answered and spoke with XXXX both times. 

Their statement is untrue and inaccurate.