WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a loan with XXXX XXXX. I am now being contacted by Worldwide Recovery XXXX, and they will not tell me the original amount of the loan. I have also received an email, with no contact information, regarding this loan at a different amount. When the agent from Worldwide Recovery called, after promising to send an email with the information, he was yelling at me about " The games I want to play ''. The letter that was finally emailed to me clearly states the date and payment method, with the due date. I informed him I would follow the instructions of the letter, and he told me that he had to collect a credit card number immediately. When I told him I would be following the directions of the letter, he yelled that I " better '' and hung up the phone. This was the second time he hung up the call.
I have been receiving relentless phone calls from a company that call themselves " the law firm '' upon a search of their telephone number I have found that their true name is oxford law firm and they are a debt collecting company. They have threatened to show up at my home and job and have now began calling and harassing my family members daily. When asked to provide a written legal document regarding the supposed debt I am told an email will be sent ( although I am requesting mail ) but one have never been received. I am told in first call that I have 30 days and following calls that I must pay full balance of supposed debt immediately or my file will be signed off on by the office attorney.
Bank of America Missouri, has caused Financial harm and Financial Deformation, by reporting inaccurate and false information to XXXX. XXXX Consumer ID report number XXXX has caused me Financial harm and Financial Deformation by reporting to Banks inaccurate and false information.
I received a check from my homeowners insurance for a roof replacement. The check was forwarded to Select Portfolio Servicing , Inc. in XXXX XXXX XXXX, UT for their endorsement. When the check was not returned in a timely manner, I submitted a complaint. The check was received a few days later, however, I received a phone call from SPS stating that the call was an attempt to collect on a debt. I have never been late on my mortgage payment in the 14 years I have owned my home. The caller then stated he was trying to get updated information. I complained to SPS via their ombudsman about the phone call and received a letter ( attached ) that addressed the check, which was handled. As to the communication problem, there was no verification that I was not late on any payment and, further, that I had a payment due XX/XX/XXXX and I should contact the company. Page two ends with the statement that the letter is an attempt to collect on a debt. I feel that SPS is making an attempt to commit fraud and take my house in a foreclosure. Clearly, I am being harassed by them and believe I should begin legal action to protect my property.
I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans n my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the XXXX year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.
I have had an auto loan with Citizens Auto Finance since XX/XX/XXXX. On each month, my payment is due on the XX/XX/XXXX, in the amount of {$260.00}. In XX/XX/XXXX, I missed a payment and was charged a late fee, while the past due amount was added to my payment for XX/XX/XXXX. In the subsequent months ( XX/XX/XXXX - XX/XX/XXXX ), I made sufficient payment to cover the past due balance, and the initial late fee that was incurred. As I continued to make additional payment above my principal payment, Citizens continually misapplied my additional monies. Rather than satisfying my past due balance and late fees, the additional monies were applied to my principal balance. As such, my past due balance and late fees continued to compound, through XX/XX/XXXX. In XX/XX/XXXX, I contacted Citizens on three separate occasions to have the payments properly applied, to satisfy the late fees and past due balance. Multiple customer service representatives addressed the issue, and I was told that the extra monies were not properly credited because I " put the payments in the wrong box '' when making online payments. In the subsequent months, I made online payments as directed by the CSRs at Citizens. Payments continued to be applied incorrectly. After multiple conversations in XX/XX/XXXX, I was assured the issue had been resolved, and all payments were properly reapplied, therefore satisfying any late fees and past due balance. After checking my online loan balance, my current past due and late fees were {$0.00}, as assured. In XX/XX/XXXX, I received a statement for my regular principal payment of {$260.00}, plus an additional late fee, despite my on-time payment in XX/XX/XXXX, and the reapplication of my past payments. Upon further investigation, Citizens had reversed all the reapplied payments, once again charging me late fees for a balance that had long since been satisfied. In XX/XX/XXXX, I called Citizens to address the issue. The representative told me he " did not see a late fee on the account, '' and instructed me to make my payment as normal. On XX/XX/XXXX, I made my payment on-time, paying the full amount due, but not the late fees, as I was assured they were not on the account, and should not have been, if Citizens had properly applied my payments to the loan. In XX/XX/XXXX, I once again received a statement with late fees. On XX/XX/XXXX, I contacted Citizens once again, and was told the late fees existed from the XX/XX/XXXX past due payment. I explained the issue once again, including the resolution that was supposed to happen in XX/XX/XXXX. The representative, and subsequently a supervisor, continued to insist the late fee was valid, and would not remove it from the account. As such, I am contacting this institution, as Citizens will not properly reconcile my account.
XXXX ( a 3rd party debt collector ) continues to call my girlfriend ( on her mobile phone ) during work hours.The collection agency has been told more than 4 times to not call her. It has been made very clear that she has no relation to the accused debt. The collection company has shared that it is a an attempt to collect a debt with my girlfriend. The debt collector refuse to call me directly so i can dispute the charge, but calls my girlfriend repeatedly instead.
XXXX XXXX has placed a hold on my card due to paying off a large portion of the balance. It has now been on hold for a week. I have had a similar experience in the past where they placed a card on hold when you pay off the balance. I believe they are using these tactics to discourage people from paying off their balance, in an effort to earn more interest from consumers. 
I made a payment of {$830.00} on XX/XX/XXXX. It cleared my bank XX/XX/XXXX. Today 's date is XX/XX/XXXX. They told me the card is on hold due to paying off a large portion of the balance, and the fact the account is " newer ''. Their website indicates I have a balance of {$1500.00} against my credit limit of {$2400.00}, but my available credit is negative {$20.00}. It lists my payment of {$830.00} posting to account on XX/XX/XXXX and indicates there is no payment due. 
I have made larger payments in the past. I use this card due to it being a cash back rewards card, this ongoing hold has cost me money over the last week ; which I expect to receive. Not only did I not receive notification of this hold, it was indicated to me by customer service that I am not allowed to speak to any bank employees that handle bank policy, only call center employees are available.
Last year I entered into an agreement with XXXX for internet services and was offered a guaranteed 30 day trial period. If I was not satisfied with the services and or mis-representation of services. It was up to me to cancel, per the XXXX   agreement. Due to mis-representation of the services ( High Speed Data ), I cancelled before the allotted time of the 30 day trial period. The amount was for {$130.00}, in which XXXX claims I still owe. ( Which XXXX has added on cancellation fees ). Previously they had a different collection agency threatening to damage my credit, now XXXX  has enlisted a new collection agency ( Franklin Collection Services ). Who has threatened to ruin my credit history, in which is in good standing.
This debt was not mine. However I paid it and was promised it would be deleted from my report. I was provided a delete letter. It is showing on my XXXX report. I request it is deleted immediately. The debt is from Commonwealth Financial for {$260.00}
On XXXX XXXX a XXXX Nebraska Sheriff knocked on my door. He told me that he was there to serve me with a Notice of Quit, which he then explained was a pre-eviction step. I was dumbfounded since, to my knowledge, we had been paying our mortgage every month. Turns out, we were having some confusion with the bank and our checks were Their l not clearing. This had been happening for about 9 months, and up until this point, we had received no communication whatsoever. We were not told that we were facing Their l foreclosure, we were not told that our home was being sent to auction, but magically, they were able to inform us that our house had been sold and since Nebraska has no buyback plan we were out of luck. Our only option was to go to the bank and take out a brand new loan, which we could n't get because of the foreclosure. Had Franklin American contacted us before the sale we would have been able to pay what was owed, but since we had no idea we were in trouble we took no steps to save our home, leaving our family scrambling for a place to stay. Their lack of contact/communication is absolutely unacceptable.
My problem is with Experian. They continue to list a closed account ( which I have been making regular payments on ) as part of my revolving credit card debt. Because they only list the amount of this account as a debt, but not as available credit, it makes my ratio of debt to available credit look way too high. I brought this issue up with all three credit reporting agencies.  XXXX  and  XXXX  fixed it. Despite numerous times trying to get Experian to fix the problem it is still there. That means I have scores in the  XXXX  with the other  XXXX  agencies and a score of  XXXX  with Experian. I would like help making them understand that this closed account is not a part of my revolving credit debt. Thanks.
I have an outstanding debt in collections I noticed on my XXXX XXXX statement. The company claims that I owed for an apartment when I was never on the lease and the address that they are claiming i owe money to is wrong. The apartment has reached out to me in response and said there is no record of owing anything. This lease is not legitimate because I am not on the lease and the address is wrong and there is no record of me owing debt from the apartment complex.
Some how around 2011 my mortgage was bought by XXXX XXXX and during that time I had filed a Chapter XXXX and since then I have completed it almost a year ago! I have asked for payment statements and I have not received one to  this day and yet I still send in my payment. I have asked why there is no record of my payments being made on my credit records and I have not received an honest answer 4 different answers from 4 different people! I also dont understand where almost {$50000.00} has been attached to my loan.
This law firm is attempting to collect on a Tax debt that has been " Closed by the Federal Government '' I 've attached a document that indicates this. I 'm tired of receiving letters from them. I 've sent them proof of this but they continue to harass me. Please find the document which backs up my claim.
I 've been in conflict with Ditech/Greentree since they first took over my mortgage servicing. Their staff can never explain what the issue is with my account. Only that they 've put a " research '' on it. Nothing has ever come from their " research ''. In Ditech 's XX/XX/XXXX letter which references attachments that were not attached, they state that my payments fell behind due to an escrow shortage. However, my XX/XX/XXXX escrow statement ( attached ) had {$3800.00} in surplus that was sent back to me. In addition, my XX/XX/XXXX escrow also had a surplus ( even though they continue to state my payments were short ). Ditech states they sent me a check, with no amount listed, which was NEVER SENT TO ME! DiTech continues to make false statements. Where 's my check? Now, I receive my XX/XX/XXXX statement with more late fees and non-posting of my XX/XX/XXXX payment which they received on XX/XX/XXXX. This bank is a fraud!
My college school loan changed loan servicers and I had to re-configure my loan payment for auto-payment. Since this takes however many days/weeks to process the auto-pay request I received a late payment notice that then lowered my credit score up to about XXXX points. It was my first late payment in my life and completely not my fault.
I already talked over the phone to att to advising that this account was bundled to XXXX XXXX and it was pay off to XXXX XXXX. XXXX reported twice to my credit but they do not have the rights because this account was paid off.
To whom I may concern, On XXXX, I XXXX XXXX XXXX received a copy of a refund check for {$780.00} from XXXX XXXX XXXX made out to the Estate of XXXX XXXX XXXX. On the back of the refund check, XXXX XXXX endorsed the check to deposit in her personal savings account at M & T Bank. I contacted a representative of M & T Bank at XXXX, and she did not know the policy and procedures if an Estate check can be deposited.in a personal savings account. XXXX XXXX XXXX at Register of XXXX ( XXXX ) in Delaware gave explicit instructions that an estate account for the Estate of XXXX XXXX XXXX must be established at a bank with all three co-administrators must be present at the same time. All three co-administrator names must be on the estate account, so any transactions for the Estate of XXXX XXXX XXXX would require three signatures. XXXX XXXX XXXX XXXX XXXX have refused since XXXX to meet with me at any bank to establish an estate account. On XXXX, XXXX XXXX and XXXX XXXX went to XXXX XXXX in XXXX, DE and liquated XXXX XXXX XXXX XXXX 's personal checking and savings accounts, but did not establish an estate account. 

I am requesting M & T Bank to freeze the {$780.00} refund made out to the estate of XXXX XXXX XXXX that was deposited in XXXX XXXX 's personal savings account. M & T Bank can schedule a appointment date and time when all three co-administrators can meet at M & T Bank to establish an estate account. As an alternative, remedy, M & T can issue a check for {$780.00} for the Estate of XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX, M & T Bank should follow all State and Federal regulations and compliance for a estate account, since there is a great distinction between a estate account and a personal checking and savings accounts, especially when there are three co-administrators. 

If possible, I would like a copy of the policies and procedures pertaining to an estate account at M & T Bank. If there are any additional questions, please do not hesitate to call me at XXXX. Secondly, XXXX XXXX 's personal savings account number is XXXX.
On Wednesday XX/XX/XXXX this company left a voicemail to return a call did not leave a name but said it was in reference to legal documents from the clerks office document # XXXX. That same day they called my father in laws cell phone number. On XX/XX/XXXX they called my daughters cell phone number as well. I do not know who they are I called but they are closed when I get off of work. I do not have any lawsuits against me and this company has not called my direct cell phone. They are calling relatives and giving this information to them or leaving it on their voice mails. These numbers they are contacting I have never given out so I do not know how they are getting this information. Also I have never received a collection letter from this company.

The company name is National services group. Phone # XXXX
Upon receiving   XXXX   credit denial letters from Exeter, I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report either time. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on  X/XX/2017   . They responded to my letter stating that they received an electronic application from  XXXX   XXXX  and  XXXX   XXXX   XXXX   XXXX , and despite me not applying for credit with this company, and Exeter not providing any evidence or documentation that I did in fact provide an authorization to have my consumer report pulled they are refusing to remove the inquiries dated  XXXX   XXXX  and  XXXX   XXXX    XXXX  .     I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the  Federal Laws . I have asked that this unauthorized inquiry be removed immediately. I have not authorized this company or any third party to pull, view or use my credit consumer report, therefore it was obtained without permissible purpose.
I received a letter from Capital Accounts on XXXX XXXX, 2016, alleging that I owe an outstanding debt. I requested on XXXX XXXX, 2016, that Capital Accounts provide me with verification and validation of the alleged debt and any documents proving I, XXXX XXXX, am the person in question. Capital accounts has failed to provide me with any documentations proving that I am the debtor. I was advised by a representative in Capital Accounts office that they could provide me with an itemized bill of the charges owed. I requested Capital Accounts send me a copy of any signed documents where I promise to pay or repay any outstanding balance. Capital Accounts has failed to provide me with any documents and applied this account to my credit history without proving I am the person in question. I sent a letter to Capital Accounts within the prescribed time and Capital Accounts failed to verify or validate this alleged debt. Capital Accounts is in violation of the FCRA and FDCAP according to the consumers rights to dispute. I am requesting an " immediate '' expulsion of this negative reporting debt from my credit history and a cease and desist of any further collection activity by Capital Accounts until proper verification.
We went to BB & T bank to get a pre-qualification letter for a XXXX home or investment property. we wanted to use them because we already have XXXX loans with them and have been customers of theirs for years. We gave the mortgage professional there all information she asked for and we were pre-approved. we took our letter and stated looking. We soon found a rental property ( duplex ) and made an offer well in our budget. the offer was accepted and we called XXXX to get everything going on this property. We had to get them a few more documents but all was going well. She said she even wanted to do a fast close since everything was in order which was fine for us, the duplex already had tenants in place, so it was all ready to go. We were putting money in our pocket after making our mortgage payment, a win win situation. Well a week before closing, which was scheduled for XX/XX/XXXX, we started this a few days before XX/XX/XXXX, BB & T called, and said we could not get the house. they determined that they were going to need XX/XX/XXXX tax returns!!! That will take months!! They did n't think of this before we started this whole process?? We had already paid for inspection and radon tests {$440.00}, appraisal fee {$530.00}, and who knows what could come from the title company because they were done with their work as well. Our realtor was boggled to say the least as well as us, we were very irritated with BB & T foe letting us get this far!! Now the Mortgage professional says we can not get any of that Money back. All she said was sorry. She also did n't even know it was a rental ( duplex until I told her a few weeks into all this. She had all the info on the property from our realtor. What was she doing!! Please help.
XXXX Mortgage company had reported me to all credit bureaus as FORECLOSURE HAD STARTED -- -absolutely complete lie!! I had reached out to Consumer financial protection agency to get XXXX to own up to their errors, which they did and finally XXXX sent me a letter to inform me that XXXX would contact all credit bureau agencies to repair the damage. Equifax will not accept the letter from XXXX they want an " electronic deletion from XXXX directly ''. XXXX is not entertaining my request and told me they already sent the letter and that 's enough. I do not feel I am being treated fairly from Equifax! XXXX account needs to be PERMANTLY removed from my credit reports as well as the HARMFUL " foreclosure '' remark needs to be removed from all XXXX credit agencies : EQUIFAX, XXXX AND XXXX!!! I have monitor systems on all these accounts and the foreclosure is still being reported!! 
Thank you!
I found a link to " XXXX XXXX XXXX '' via an advertisement on XXXX and applied to receive information. However after going through with their consultant that " did n't know where the exclamation point was on the keyboard '' and who also provided contradicting statements I back tracked and made sure to prevent them from having access to any of my accounts. Upon doing so I saw they had changed my contact information without my consent and I was sure to inform my loan holder of the situation so that they could provide a blockage of any third-party organizations. They still continue to contact me and I 've made sure not to converse unless I can gain metadata of our conversations via email.
We want to file a complaint against our Mortgage Company. Bank of America who purchased our mortgage and Equity loan from XXXX, which I think is a predatory loan. I was forced from my Job XXXX causing our income to be cut in half. Because we were not behind, we went through office after office with Bank of America overnighting fax after fax from a fax in a Bank of America office. It confirmed receipt and they said they did not receive. I talked to people in BOA XXXX.They still offered no help because we were current and have stayed current. Instead they recently raised our payments Our house dropped in value from {$450000.00} to {$190000.00} during this time and they still would not do anything to help. For 10 years they have have credited our mortgage payments to the interest rate 6 % and not to the mortgage. Now they have increased our payment on the Mortgage to {$1800.00} and doubled our payment on the equity loan. We need help to keep our home. We have no other home and I do not want to live on the street XXXX. We are still not behind on our loan.