WillisBack/dataset-financial-user-claim huggingface dataset:
My mother called me on XX/XX/2018 stated she received a call from a someone from XXXX   county stating she needed to have me call them back as they have charges filed against me and I would be going to jail if they don't hear back asap. My mother was clearly worried so I looked up the number before calling back and there were numerous complains stating they received a similar call. Within a few minutes I had a voicemail on my cell phone from global same man that called my mom ( XXXX ) XXXX with the same message. Within minutes our work receptionist let me know she had a very strange phone call for me. I took the call, it was a the same man sayig he was from a firm representing global he was asking me to confirm my name and DOB. I didn't confirm he then proceeded to say I left a message with your mother do you want to go to jail why haven't you called back! He said he was calling from XXXX county and said if I don't call XXXX case # XXXX I said what is this about he said that's like opening your mail, I don't know if you want to resolve that matter call the number or have two forms of ID ready for the Sherriff who will pick you up @ work. I told him to please stop calling  me and I hung up. He called right back and asked for my boss, he was rude to her as well and said he was calling from global and told her he wanted me to call them back they will be going to my place of work to arrest me she asked him what do you need from me as your calling her place of employment he said for you to give her the message to call back immediately or we will move forward with serving her at work confirmed my work address then said have her two have ID ready for the sheriffs office & hung up on her. I called XXXX county and they said they don't make those types of calls and it was most likely an debt collector or a scam they could simply take an informative report. At this point not only was a deeply embarrassed at work I was worried as I didn't know if this was legitimate of not. I called and left a voicemail to the number the man left but it just rang then went to voicemail. I contact an attorney XXXX XXXX and explained to him what occurred he asked me to make a complaint here and said he called them back but also got a VM, he left a detailed message but hasn't heard back yet. He said in the message he asked them to send me something in writing he said it should be sent within five business days of their initial contact with me. He stated its either a scam or an illegal debt collector. I really don't know what else to do in the interim as I have the feeling they will be contacting me again at work, how is this type of harassment legal, I'm really worried and upset that this happened to me. If I truly owe a debt to them id like to have the opportunity to research and resolve it without extreme measures of harassment. I'm asking for your guidance and help on this matter please.
I was trying to get a loan thru my bank and was told they could n't access my equifax report. So I called equifax and after being on hold for over 2 hours and transferred an got the run around I was told to fax my license and SS card because I had a sercuity freeze then wait 48 for them to get around to looking at it and removing the freeze. Well almost a week later when I still could n't access my report I was told I have a lock and my social sercuity number was removed off my name and would take 48 business hours to remove th lock that was stated in 2008 that was suppose to be canceled the same year. So I called today and now thy said it could be another 30 days to remove this control lock. Really?! After another 2 hours on hold and transferred all th place I get this.. How hard can this simple thing be to remove a lock and my banker be able to check my credit! You have no idea my frustrations with this process!
Ocwenloanservicing in XXXX XXXX XXXX Florida continues to mark me XXXX days late for XXXX 2015 although the loan had been paid off in full through refinancing with XXXX XXXX. I was informed by XXXX XXXX on XXXX XXXX, 2015 that it is still showing as late for XXXX although ocwen no longer held the loan.
On XXXX XXXX, 2017, the consumer agencies, XXXX, XXXX and TransUnion mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, XXXX falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores XXXX, XXXX and Transunion sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that XXXX provided to me and the various credit scores lenders actually use. As a result, XXXX, XXXX and TransUnion credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.
On XX/XX/XXXX I made my mortgage payment to Ocwen Loan Servicing , LLC . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX phone # XXXX XXXX. My payment was not applied based on my ( 30 yr fixed ) payment being raised by {$290.00}. 
Ocwen 's ration ; the escrow account is XXXX due to an increases in insurance and property tax. In checking with my insurance and and XXXX county tax office there were no increases. My taxes have not been paid since XX/XX/XXXX including {$520.00} in penalties.
J.P. Morgan Chase Bank have repeatedly acknowledged on multiple complaints in this matter they will not violate confidentiality of accounts relevant in this matter of my assets plus annuity payments plus being I did not have account there was nothing more to discuss. I have opened Chase Bank Checking account but still have not received annuity payment.
I applied for a conventional loan, 30 years fixed rate, refinancing of my current home. I specifically asked the mortgage broker if the charged off account needs to be paid. The broker ran my application and came back with an answer that all XXXX does n't need to be paid but XXXX of them need to be paid and the loan moved to next stage. While waiting for the under-writer, I paid the charged off account ( which was already past SOL ) around {$1200.00}. I paid for the home appraisal and appraisal was done. I got a mortgage commitment letter, after the loan was reviewed with the underwriter, saying that any disputes needs to be resolved and also asking for updated bank statement. Today I got an email saying that all charged off ( non-mortgage ) account needs to be paid before they can close my loan for my primary home. This is against XXXX XXXX Guidelines which clearly says that " For one-unit, principal residence properties, borrowers are not required to pay off outstanding collections or non-mortgage charge-offs -- regardless of the amount ''. I have XXXX accounts in my credit report which are charged off 5 years ago. There is a notation in the credit report that total balance is " past due '' which is the result of account being a charged off account. The account is being mistaken as " past due '' when it 's actually a charged off account.
I signed a credit payment agreement for {$1400.00} with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I did not receive a bill from them in XXXX or XXXX. I called them in late XXXX and told them this. Apparently they had the wrong address. I corrected it and offered to send them a payment but I was told not to by the creditor on the phone. He told me that they had to give me a new account number and if I sent them a payment it would not be credited to the right account.He mentioned that my credit could be in jeopardy. 
I received a letter verifying this that was dated XX/XX/XXXX But received no bill. I received my First bill with late fees And a letter on XX/XX/XXXX stating that they can help me with my payments if I am having problems. 
I called XXXX XXXX XXXX on XX/XX/XXXX and paid the {$1400.00} in full. The woman on the phone was belligerent. I received a letter dated XX/XX/XXXX verifying that I paid in full. My credit score has since been tarnished from this. 
I got a letter from XXXX XXXX that listed THE WRONG ADDRESS THAT XXXX XXXX   WAS USING TO BILL ME IN XXXX AND XXXX. 
MY ADDRESS HAS BEEN THE SAME FOR THE PAST 18 YEARS I am forwarding 4 letters that I received from XXXX
In XX/XX/2016, I initiated a balance transfer from my credit card with XXXX to a new credit card with Chase Slate. A balance appeared on the new account of about {$3000.00}, but did not disappear from my XXXX card. Ever since XX/XX/2016, I have been making payments on both credit cards AND accruing interest on my XXXX card despite contacting both companies to try and resolve the issue. 

In XX/XX/XXXX, XXXX claimed they never received payment from Chase Slate. Chase claimed they had made the payment, but that the account number they sent it to was incorrect ( a debit account instead of a credit card ) and had therefore been declined. So although my online account at Chase still showed a balance of ~ {$2000.00} ( I make a {$300.00} payment to the card monthly ), they claim that at that point I did not owe them any money. They also claim that at that point, they REFUNDED the original amount of {$3000.00} to my checking account at XXXX, however there is no record of that amount landing in any of my accounts on or around XX/XX/2016 ( which is when they claim it was sent ). It is unclear whether that {$3000.00} includes payments I made on the Chase card in the meantime, or not. Chase can not provide me with the account number that they DID send the money to, though as of today they have sent me a snail mail letter which they THINK might have the account number on it for my reference. 

Since XX/XX/2016, I have paid {$850.00} in minimum payments and interest to the XXXX card I intended to close, AND paid {$2700.00} ( {$300.00} every month for 9 months ) toward the Chase Slate card that I APPARENTLY DID N'T OWE ANY MONEY TO (??? ) although the balance still appears on my online Chase Slate account. 

I am officially baffled and I do n't know what to do next. All I want is to have the money I was n't supposed to owe be returned to me, and to close both credit cards ( which will require another balance transfer to a yet-to-be-determined third party ).
I have disputed this account with the Credit Bureaus as well as Phoenix Financial. I disputed this account with Phoenix Financial on 2 occasions and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letters. How is it that they sent me a letter dated XX/XX/XXXX and XX/XX/XXXX, and both were the second notice? I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate ( Collection accounts have no terms, so why are they reporting a term of 1 month if I never signed any contract or agreement with them, nor is it verifiable ; therefore, this items should be deleted from my report immediately.
I got in touch with XXXX yesterday to discuss getting a mortgage. I discovered today that my credit report was negatively affected by my inquiry with them. I do n't understand why I 'm being punished for trying to acquire necessary mortgage information. Checking credit is part of acquiring a mortgage, and I do n't see why people should not be allowed to make any necessary inquiries they want. It 's my credit. I should be able to check it as often as I 'd like and allow it to be checked as often as it needs to be. I do n't understand how something so important to making big decisions in a person 's life can be so easily negatively affected. I want this drop in my score to be expunged!! This is unfair treatment for doing something that is far from any sort of irresponsible behavior!
XX/XX/2015To Whom It May Concern : I applied for a Chase Freedom account in XXXX, 2015 and was approved with no issue. In fact, Chase requested and received my XXXX Credit file on XXXX/XXXX/15 and XXXX/XXXX/15. I applied for the Chase IHG card on XXXX/XXXX/15 Chase requested and received my XXXX Credit file and the account was approved. I applied for the XXXX XXXX card on XXXX/XXXX/15. Chase requested and received my XXXX Credit file and the account was approved. I applied for the Chase Amazon card XXXX/XXXX/15 Chase requested and received my XXXX Credit file and was approved. On XXXX/XXXX/15 Chase requested and received my Credit file again. 

I made charges on all accounts and paid the charges off in full and on time or before the due date. Then, on XXXX XXXX, 2015 I attempted to use my Chase Freedom card to make a purchase and it was declined. I called in and was asked questions about purchases that I had made and more questions to " verify my identity ''. My accounts remain frozen. I have asked repeatedly for an explanation and none has been given. The only statement that I have received is that the individual on the phone can not tell me but that the accounts are under " further review ''. I would like an explanation of what is going on. I have expressed a desire to receive something in writing regarding this issue and to date, nothing has been received. I have been promised calls back, and have not received them. 

I have contacted Chase repeatedly in an attempt to understand what information the company was unable to verify, if that is the issue. Each Chase representative basically stated the same thing every time. Unfortunately, no one within Chase has the ability to inform consumers of what issues have occurred. I contacted XXXX, XXXX and XXXX and verified that all my identifying information listed on my Chase application matched the information in my XXXX credit file. The information on my Chase applications were in compliance with Section XXXX of the XXXX which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application. 

Desired resolutionWhat do you think would be a fair resolution to your issue? 

I believe that Chase should and is required to make credit equally available to all consumers and because of this failure, I am requesting that Chase contact XXXX to remove the credit inquiries of XXXX/XXXX/14, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 and further, to delete these accounts from my credit report as Chase indicates that they are unable to verify my identifying information despite XXXX informing me that my credit file has the correct information listed. A statistical analysis of Chase applications for the Chase Freedom card will document that Chase has n't made credit equally available to consumers.
My account was charged off due to a financial hardship from health reasons. I am writing to get the account back open with XXXX XXXX so I can pay the monthly payments of XXXX a month until the card is paid in full. I have received the notice stating that my loan application has been denied due to bad credit history. Would it be possible for you to check again and reconsider and reopen my XXXX XXXX credit card so I can start back making payments. Thank you very much for your help.
Equifax refused to remove Hard inquires that were on my credit report that I did not approve to have my credit pulled. They stated that hard inquires can not be disputed. the list of companies pulled my credit without my approval and I want these hard inquires removed. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
I reached out to this company several times, most recently XXXX XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, asking for proof of the debt and debt amount. I have received a statement from the collection agency each time that I send a letter, but not the original contract or itemized statement of amount owed from the original creditor. I have also disputed with the credit bureaus asking them to validate the debt, and it has remained the same each of the three times that I have disputed the validity and accuracy of the debt.
In XX/XX/XXXX, I went info an dealer auction in XXXX , county, CA. The sticker pricewas {$10000.00} during that time my contract was reworked and ripped up 3 times. I was then to pay {$320.00} per month. Each and every month XXXX began charging me for excessive amounts up to {$580.00} per month and no justification for increase. This was a XXXX XXXX XXXX.I was constantly overcharged repo my car once by error and they kept my money. Also several times charging me numerous late fees up 3 times in one month. They kept on over billeing me I kept paying them then finally they threaten to repo and they came and took car while I was asleep, gave me no notice to claim car back they kept car and money. I then moved to XXXX, ca and while there a year, or more I could not commute then moved to my mothers house. One day I received a note from a forwarded mail, saying I was going to jail if I did not pay them from XXXX office i called and spoke with a rep who threatened me and cursedme out. I then called the sherriffs they said no knowledge of any warrant in their database none existed. Just last week I found out a bench warrant issued for FTA in court which I had not been served. I worked 12 hour shifts and was not living where they claimed they served me. They lied to court commited perjury against me. I then discovered warrant has been issued in XX/XX/XXXX. yet XXXX harassed me way before then, told me pay or they were putting me in jail. Discovered recently that a judgement had been issued for {$2000.00}. Then, XXXX XXXX XXXX never heard of them reports that I owe them apparently they are affiliated with XXXX but my contract is XXXX. They gave me eraseable ink contract now saying {$14000.00} was original amount when XXXX was correct amount. Their judgment was issued while I was not notified of court. Also after they recieve judgement they applied for 4 insurance clsims that I put in for to repair they paid deductible then applied the money to lan never fixing the truck, they rceived over {$5000.00}. They owe me. they refuse to stop reporting on my credit even told XXXX  and bureaus I requested a credit line and I did not and the began reporting thta I owe {$5000.00}. to them nd they wrote XXXX off and they collected XXXX in insurance after the judgment under my name. They also are in a clss action named XXXX Vs, > XXXX XXXX finance regarding illegal repos. They then began not serving individuals and getting automatic judgements to prevent members from claimimg money from class action lawsuit. I am sick of them reporting bad info on my credit I have disputed them over 10 times and they keep adding money to my account increasing balance and interest is wrong also. They took insurance meant for car repair and kept and applied to loan. before the repo they took one payment for bumper damage of {$600.00} did not fix vehicle. I am tired please stop them from doing this to me and others. XXXX XXXX is located in XXXX XXXX, CA nothing but crooks. They also force placed insurance 2 policy yearly in one year and over chged me again
I applied for the XXXX Mileage Plan credit card that offered XXXX XXXX XXXX bonus miles on XXXX/XXXX/16 and was instantly approved on line. Several weeks afterwards, I received a call by a representative that wanted to review my benefits with me. I was told I did not receive the card I applied for, but a lesser card that would only give me XXXX bonus miles. This was a pure bait and switch. I am appalled at the deceptive practice of this company. I did call the company but that would not award the miles as promised. I closed the account today rather than pay their annual fee as they did not fulfill their obligation.
The bill was paid on XX/XX/2016 and I have sent copies of cancel check to them, but they are not doing anything about it. The check was sent to XXXX base on there statement. The only thing that they have done it sent me to collocation XXXX ( XXXX ).
This is a follow up to my previous complaint ... I filed for Chapter  XXXX  in  2010 , this is reported by the Credit Bureaus as FILED, when it should be reported as  DISCHARGED. Not to mention, it is now past seven years.
I have a judgement against me by Liberty Credit Services , Inc. They are located in XXXX XXXX, MN. The judgement is from XXXX against debt I owed to XXXX XXXX Bank. 
My story : I was married to a XXXX man. I am the XXXX. My ex-husband had me apply for several credit cards that he used at his discretion. I complied XXXX. The XXXX XXXX Bank was XXXX of them. My ex-husband is also a XXXX. It was n't long before he could no longer pay on this account. He left me stranded with the debt. The debt belongs to him. 
When I received the notice that Liberty was taking me to court, I should have gone and told my story. I was frozen in fear. I was still married at the time and my husband, who was gainfully employed, did nothing to help me or support me with the judgement. 
The judgement was approved for {$7500.00} I made contact with XXXX XXXX at LCSI and explained that I was in an XXXX marriage and trying to get out and that I would have the responsibility of XXXX young children. I payment plan of $ XXXX/month was agreed upon by XXXX parties. No interest was discussed or agreed to at this time. 
In XXXX of XXXX, I requested a payment history for my divorce proceedings. I received written notice of my monthly payments and a letter stating that I paid {$1000.00} on the principal amount of {$7500.00} and the remaining amount was {$6400.00}. 
I continued to make my $ XXXX/month payments. On XXXX XXXX of XXXX, I received notice that I had missed my XXXX payment which was payable by the XXXX. The letter indicated that my new balance was {$7900.00} ; I called XXXX XXXX on XXXX/XXXX/XXXX to notify him that I was no longer employed XXXX. I explained to him that I was struggling financially and that I was the sole support of my XXXX young children who were receiving Medical Assistance and Food stamps. I told him to look at my history to see that I have never missed a payment in five years but was really going downhill financially and needed a respite until I could get back on my feet. LCSI sent me an exemption notice. I completed their paperwork and returned it immediately by mail. 
On XXXX/XXXX/XXXX I checked my bank account and noticed that my entire bank account had been garnished. I called XXXX to find out why since I completed the necessary exemption paperwork and provided the proof required. He explained to me that they had thousands of accounts and there was no way they could keep up with everyone 's personal problems and who had what in their account. 
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.
i have a juniper credit card. I have been falling hardship times since XXXX and I notified this company at that time. They kept tacking on fees one after another. They have a program for hardship times and will not let me have it. I have Been unemployed from end XXXX till present. I just had a XXXX as well. It has been tough. I did not say I would not pay but they keep tacking on fees and when I paid in XXXX it was n't enough. They have harassed me so much and said that my monthly payment is not enough but they have tacked on so many fees I will only pay my monthly amount as I am on a budget and it is too much a month for me to handle. They kept tacking on fees even before XXXX. I have notified them numerous times of my situation and they will not work with me. Now my minimum payment is almost XXXX because of their fees.