WillisBack/dataset-financial-user-claim huggingface dataset:
Service 1st mortgage claims to help veterans but what they actually are doing is ripping them off with outrageous fees. They also solicit borrowers within 3 months of closing on a refinance to try and refinance again. ( Churning ) Also they have individuals who work on loan files with private information ( credit report, income documentation and social security number ) The files are not stored in locked file cabinets and they are scattered everywhere and not stored away. Also Loan officers do n't sign any of the applications or any other documents pertaining to their loan that they originated. Employees are not paid overtime when they exceed XXXX hrs and no benefits with employees. This company is a compliance office dream! They should be shut down
XX/XX/XXXX I purchased a XXXX refrigerator from Sears. It was not used until XX/XX/XXXX. At that time it was not cooling. I contacted Sears about repair or replacement. They sent a repair technician. XX/XX/XXXX, Sears technician said the brand, new refrigerator needs a compressor and rescheduled repair for XX/XX/XXXX. I called every Sears contact, including Sears Corporate Office and explained that I had an urgent need to provide tenants with refrigerator sooner that the 2-week time. I even begged to borrow a scratch & dent fridge! Sears consistently responded that they would not take the fridge back beyond 30 days. I requested that they remove the fridge from my property. 
XX/XX/XXXX Sears technician decided that the compressor was not the problem and he needed to order a timer and thermostat. XX/XX/XXXX, technician said all parts did not arrive and he must reorder the thermostat. More repair appointments were made for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The repair scheduler was surprised that Sears did not replace the fridge. I kept calling Sears to replace the refrigerator. The CSR offered me {$50.00} discount. I declined and request that they remove it from my home. I paid other unrelated charges on my account and informed Sears that I will not be paying the balance of {$290.00} which I attributed to the partial cost of the fridge. I responded to Sears ' complaint form of XX/XX/XXXX, reciting these allegations. They decided that I am responsible for the balance-not because the fridge is useful, but because they were not contacted in a timely manner!! Citi informed me that they sold my account balance to Collections ; XXXX XXXX XXXX, XXXX. The fridge is still useless and is waiting in my home for Sears to remove it. I am particularly upset because I firmly believe Sears would not have dumped their defective product out on XXXX XXXX or in XXXX and compel those consumers to pay for and keep a refrigerator that they can not use. But people in inner city XXXX are easy, defenseless targets to exploit. This is highly offensive. 
4 documents attached. 
Thank you.
I have been paying {$280.00} every month but the interest rate is way too high. I asked Naivent to low it but they refused. My student loan was about {$23000.00} and I have been making payment since 2013. Today my balance is ~ {$16000.00} that means they have been charging high interest because I have made more than 49 payments that 's more than {$14000.00}. My balance should at lease {$10000.00}. 

Please help!
Equifax is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to Equifax on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.
Source Receiveable Management this account was already remove once from my report as unverified with a previous Third party collections agency. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof of claim for this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX XXXX b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies
On XX/XX/2014, this debt for {$100.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
this fraudulent account that was removed/deleted in XX/XX/XXXX was reinserted on XX/XX/XXXX from transunion. Transunion failed to notify the reinsertion of this account within XXXX day.s
repeat calls after I have asked not to call me anymore and asked not to call me during my work hours XXXX call log : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
We were charged a fee of {$1100.00} as a cancellation fee and should not have been charged. We had no valid contract with the XXXX XXXX company at the time of cancelation and they were given notice of cancelation of services. This company is charging people based under a hidden renewal clause ( Evergreen Clause ) and they do not make the consumer fully aware of this nor do they notify the consumer that they will be auto-renewing their contract once it becomes expired and give them notice as noted by law either via email or written notice which they did not do. I disputed this charge as soon as I got it and had numerous emails back and forth with not only the XXXX XXXX company but also their collection agent A. XXXX from XXXX XXXX. And made both aware of the situation. As of XX/XX/2018, @ XXXX XXXX was given notice via email of release and full credit back of {$1100.00} and zeroing out the balance by the XXXX XXXX agent ( XXXX XXXX ) per our conversation on the phone on XX/XX/2018 and also in an email which I requested. Forward to this date XX/XX/2018and I happen to run a check on our credit reports a few days prior and this very figure was on a bad debt and listed as in collections on our report, hurting our credit. I've notified both agents at their agencies via emails ( several times ) and a phone call to XXXX XXXX ( no answer left v/m ) and the collection agency will be notified as well via phone call that this is to be removed immediately as it should never be listed on there, to begin with. I've had no response from my emails with further leads to my feeling that they did this deliberately. This has been on our credit report at least from the date of XX/XX/2018 or before and hurting us credit wise. This should have never been listed, to begin with, as it was in dispute from our notification from the collection agency and then later resolved and credited by XXXX XXXX. I have all emails detailing this and phone conversation as well. I called numerous times both XXXX XXXX and notified the collection agent to dispute this as soon as I was notified of the issue via mail to dispute it prior to being resolved. I feel that this company and the credit agency have done this deliberately and I also noted to them that the XXXX XXXX company has many complaints of such behavior listed online and reeks of fraud toward the consumer in their practices. XXXX XXXX admitted to me during a phone conversation that they have had many complaints about their contract practices himself. I also had other conversations with other personnel that the contract was incorrect when I've spoken to them in the past, prior to speaking with XXXX XXXX, during the time trying to get this resolved. I would appreciate some help with this issue and they need to be aware that they can not just treat the consumer this way. Please see attached email from XXXX XXXX Agent representing XXXX XXXX resolving us of any debt owed and credited back and zeroing out any debt balance etc. 

Given their past history of lack of follow through I feel they need to be overseen by an agency to ensure that we have no further issue.
Suntrust BankOn XXXX the XXXX I did receive a phone call around XXXX or may be later from the bank, the lady said that they have stop a credit card charge to my account for over XXXX I did said to her that I did not purchase anything, she said card ending XXXX, I did replied that I do n't have the card for long time, she ask for my XXXX number and I did explain that I do not remember and I was driving home that as soon as I arrive I will call back, and I did, I visit on Monday the XXXX the Branch on XXXX XXXX FL , where I get the first document, I did call the branch to not paid the charges, I went back to the branch on XXXX XXXX XXXX on Saturday XXXX and I e-mail back and forward by e-mails. I contact them until I received the letter r that my claim was denied and that was not XXXX charge was XXXX charges over XXXX as I can probe to the documentation attached. They have declined my claim. I need your help to reopen the claim since that they have no provided me with any information. I am there customer for over 20 years an as a customer I deserve a better service and security on my accounts. 
I did discover that there was XXXX active Debts card on my account under my name, and that is not a regular procedure on any bank. How there is possible that under a business XXXX person has XXXX card for over a period of time. There is not security at all.
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/14 on TRANSUNION. I did not authorized anyone employed by this company or at this company or TRANSUNION to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that TRANSUNION remove the unauthorized and fraudulent hard credit inquiry immediately from my TRANSUNION credit file.
Taking into consideration the information that on my credit file from these particular ( 3 ) consumer reporting agencies known as Experian, XXXX, and XXXX at this  time is inaccurate, incorrect, an untrue credit card data. This inaccurate information has affected and impaired my financial health with the " Fico Score system. '' As of this date XX/XX/2015, my Fico score has been impaired and not populate accurately because the ( 3 ) bureau 's has used an inaccurate card known as the " n Rewards '' credit card to populate my Fico Score. This release of inaccurate and faulty information known as the n Rewards card has weakened and damaged my credit health since XX/XX/2015.

Therefore I seek to have the ( 3 ) bureaus correct this handicapped information that was used an provided to anyone inquiring about my credit health since XX/XX/2015. 
The correct plan for implementation and execution should have been used by the ( 3 ) credit bureau was the " XXXX XXXX XXXXXXXX '' credit card but was not used by the bureau's..
I received a collection notice from BCA Financial Services , Inc. stating I owe {$85.00} to XXXX XXXX XXXX XXXX  ( act # XXXX  ). I never signed anything that reflected that I owe anything to XXXX. My husband is an employee of XXXX which recently acquired XXXX  and our insurance fully covers us. XXXX used doctors that were not part of our health plan without our consent therefore we do not think we are obligated to pay this debt. This is a shady practice by both XXXX as well as the debt collection agency they hired. Last I checked all the valid medical expenses have already been paid by my insurance company.
i received a call today for a payday loan that was not paid in XX/XX/2014 stating that if i did not pay the amount in full that a warrant would be issued for my arrest. these people were rude, offensive and very threatening. The name of the company was ezmoney payday loans. Better known as EZcorp. This outstanding debt is currently awaiting my bankruptcy to go through. I have also not heard from this company once. IT ALSO APPEARS THAT THIS COMPANY HAS BEEN SANCTIONED BY THE GOVERNMENT TO NOT COLLECT ON ANY PAST DUE LOANS
I understand that a large breach of personal information from Equifax recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at Equifax ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from Equifax ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk. 
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with Equifax ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information.
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet. 

I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.
All my accounts were closed overnight in XXXX 2017.
Referencing my credit reports with Chase : - Never had any late payments - Active customer with more than US {$30000.00} spent in past 12 months After contacting the bank to request for an explanation, I was told the only information that could be provided was the letter sent to me ( attached ).
This action by Chase has severely impacted my credit profile.
CFPB, this is not a duplicate complaint. Per the CFPB Ombudsman Office, if the company fails to answer our questions or raises additional questions, we are entitled to submit additional complaints against the company! This complaint is for First American Title to respond too and answer all of our questions below! If First American Title responds to this complaint accurately and truthfully, we will cease and desist all complaints against your company. Failure to comply will result in additional complaints filed against First American Title!
Now, as the CFPB and First American Title knows, First American failed to answer our previous questions in CFPB complaint # XXXX which was submitted on XXXX XXXX XXXX. First American provided a written response to the CFPB dated XXXX XXXX XXXX which First American did not answer our questions. As you can see from our previous complaint against First American, First American failed to tell the truth to a federal agency that is going to conduct an investigation! As I stated in previous CFPB complaints, If First American did not violate our rights or our laws, then why are they failing to answer all of our questions? Now ; First American stated in a previous complaint ; " that the lenders instructi
on on page 3 stated ; " please send the Deed of Trust and the title policy to the address below ''.
NOTE : on page 3 of this document states a copy of the hazard insurance policy and the title commitment is to be sent to the lender in the closing package ''. There is no mention on this document what First American stated! Can First American provide this document, page 3, circle this area where it states ; " please send the Deed of Trust and the Title policy to the address below ''? Is n't it a fact that First American Title policy is to maintain accurate records even in your electronic data base at all times?
I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with XXXX and public records, I requested for the public record to be removed and that was 49 days ago!
Transition has an address on my credit report in XXXX Missouri. I have never lived there. I do n't know if this will make a difference, but should be corrected. Thank you.
I have repeatedly tried to connect XXXX XXXX and their debt collectors who wrongfully keep charging me for a bill that XXXX claims is NOT billable to me. Their collection agency Armor continued to bill me and harass me at home and my workplace for over a YEAR. Finally it seemed to be settled as I quit receiving the bills but my credit is marked and ruined by this. I want this taken off my credit report at once.
I initially complained about Synchrony Bank in early XX/XX/XXXX. See attachment letter XX/XX/XXXX. I've remained in good standing. Since the have reneged on the terms in the letter of XX/XX/XXXX and manipulated my account making it so I'd be subjecting to paying more than the XXXX month on some bogus fees from when I requested a waiver of a late fee whixh they granted as a result XXXX weekend receiving/processing issue obviously. 
So they been charging me fees as a result thi issue where asking for a payment of about XXXX higher than ever before. Also in retaliation they ran my credit WITHOUT MY PERMISSION and lowered my avail credit from bout XXXX to XXXX impacting my credit score cause now my balance is higher to a ratio. I am trying to pay the card off because I dont want to do business with a scandalous company and they also penalized me for this. I just want to be DONE WITH THEM HOW IS THIS KIND OF PRACTICE LEGAL! THEY SOUND XXXX OWED ARE THEY ILLEGAL ALIENS!!?? Please investigate, again. I'm on ss XXXX and tired this stressful XXXX!!!! 

I also have an issue when I called bout thie issue on XX/XX/XXXX XXXX the rep was arguing with me like wth PLEAS PULL THE RECORDING ESA WAS OUT OR ORDER!! THIS NEEDS BE ADDRESSED ARGUING WITH CONSUMERS LIKE THAT NOT LISTENING TO THEIR COMPLAINT KEPT CUTTING ME OFF!!
I was served a garnishment by a local law firm by the name of Machol & JohannesLLC. 
In speaking with them I specifically told them this was a case of fraud by a family member back XX/XX/XXXX. I provided them with proof from the XXXX Police department that I was a victim of identity theft. I showed them the proof of this and from each bureau for the card in question. The bureaus did a full investigation and deemed this as not mine and deleted the account immediately. I was told they would not sell the debt due to what happened. Companies like Machol & Johannes do what is called absentee judgments to try to scam people stating they knew of the serving etc.. It is common knowledge they look for easy prey. I am not easy prey but rather a victim of ID theft over 9 years agio which makes this debt uncollectable in that fact alone. I want them to drop this case as it is fraudulent reporting to the courts and exceeds time limits to collect. I want all {$720.00} taken illegally from my account.
XXXX ( XXXX XXXX XXXX ) invited me to their meeting in XXXX XXXX they promised to help increase the income over a {$1000.00} XXXX all I needed was {$8000.00}. to start with. and they assured me I have to pay from my new generated income which they will teach me how to make more money from the market. I agreed to this idea after that they had me sign me up few documents made me to sign while I was on phone with their executive. they didn't give me enough time to read or understand the programme. which they selected for me. after that they had me attend few online classes and asked me to give great reviews. they took {$4500.00} from me up front. and asuured me I will be earning minimum of {$1000.00} a month. after attending few classes I came to find out they want you to sign up for XXXX XXXX XXXX for any useful information. which cost extra {$50000.00}. they never helped me making extra {$1000.00} as promised after 2 years now I come to find out this debt collection company " Midwest fidality '' trying to collect {$23000.00}. with the interest rate of 17.90 %. and was asking me of detail information of my job and trying to pressure me to sell my car and get a bank loan to pay the debt off.