WillisBack/dataset-financial-user-claim huggingface dataset:
I originally bought this house through XXXX, which was sold to XXXX XXXX XXXX. Now it is owned by Shellpoint mortgage. On or about XX/XX/2015 I called shellpoint mortgage to tell them I had just gotten out of XXXX, and was 3 months late on mortgage payments. I asked if they could tack it onto the end of the loan because I had no way of catching up on the 3 months due to my XXXX and the recent divorce. They told me I could do a loan modification. After about 10 months of working on this loan modification, I started getting getting threating letters from shellpoint and contacted my congresswoman XXXX XXXX. After getting a person from XXXX ( XXXX XXXX ) to call shellpoint, she got it under control again and we were going to do the loan mod with another person at shellpoint. I was happy to get another person. XXXX XXXX took over the loan modification, after about a month of sending in all the paperwork in for the umteenth time, she said it was all there and off to the underwriters for a decision, she said it will take approximately 30 days. I left messages for XXXX XXXX for 3 weeks every day to have her call me, she would not call me. I told XXXX XXXX that I would not deal with anyone but her, so everyone but her called me everyday, and everyday they called I told them to let me talk to the loan modification officer XXXX XXXX. Since that time shellpoint will not accept money from me and they will be trying to foreclose on me and that was almost 3 months ago when the loan modification should have been approved or denied. 
Friday I was sent a letter from shellpoint that says " notice of default and intent to accelerate '' To top all this off they are asking for all monies to be paid in full, well I still do not have the 3 months that I was behind, but I still have the money they have been sending back to me.
Contacted my employer and left a message with my human resources department. I sent written notice to not contact my employer on XX/XX/2016.
USAA has sent me a check due to overpayment of escrow on my mortgage loan. I deposited the USAA check for XXXX and the check bounced/was an insufficient check and my bank charged me a fee of {$22.00} and now USAA has resent me a check for the {$21.00} but not the bounced check fee of {$22.00}. Please contact me concerning this transaction and refund my USAA account with the XXXX for the bounced check fee. I have attached a copy of the reissued check but USAA has not refunded my bounced check fee of {$22.00}. I notified USAA that I will be responding to the CFPB Consumer Financial Protection Bureau on this action immediately. Thank you. 


XXXX XXXX
I have been receiving repeated calls from a private number at work. When I answered the individual informed me they were from World Wide Assets and this was an attempt to collect a debt. I then informed him that I was at work and could n't receive personal calls at my work number and asked that all calls stop and I hung up. He then called right back and I reiterate that I could n't have personal calls at work and hung up again.
I called Transunion yesterday to submit a dispute regarding the inquiries that are present on my Transunion report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Transunion to investigate the inquiries present on my report that I did not authorize.
After submitting a complaint Amex ( or their computer ) sent what appears to be an automated response to my complaint that did not even address the specific issues I raised.Please review and respond to the following specific issues : Amex solicited me with an offer using their data base. Before activating the card, I asked the agent to confirm the terms and conditions of the offer ; specifically if I was eligible. I was told I was eligible and I have a recording of the call. I fulfilled the terms and conditions yet Amex denied the benefit. Amex has the data base, they knew or should have known that they had no intention of honoring their solicitation. Amex should not have sent the solicitation and their agent should not have told me I was eligible. Therefore, Amex should honor their offer of XXXX points. 
The Amex response reads like a form letter that completely ignores these salient facts. 
Lastly, I formally request Amex provide information regarding initiating arbitration/mediation of this matter as per the cardholder agreement. 
Respectfully, XXXX XXXX
I placed a call to  XXXX  and experia n In rega rds to an collection account from enhanced reporting corporation in the amount of {$360.00}. I received documention from the creditor that the account would be removed from my credit report and The credit reporting agencies were also provided with this document of removal from the creditor. I submitted this document to  XXXX  and experian they confirmed they received it but refused to remove it from my report ( this was on  XXXX   XXXX   2017  ).
XXXX 2017. Equifax lost 143 million SS # 's, dates of birth and names, mine included. Force Equifax to pay for credit freezes/unfreezes at all credit reporting agencies for the next 50 years.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2013  to  XXXX     2013  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I submitted an transaction on Coinbase to transfer XXXX litecoin from my coinbase account to my hardware wallet address on XXXX XXXX. It 's now 6 days later and the transaction is still pending and the transaction hash is not on the blockchain. I 've made multiple attempts to contact coinbase support to get this fixed and they 've been unresponsive no matter the avenue I try to contact them through ( coinbase support email, XXXX support email, XXXX, XXXX etc ).
For the last several years our mortgage company has delayed sending our coupon payment booklet. It is normally due to be sent out XX/XX/XXXX we didnt get it till XX/XX/XXXX before it was XX/XX/XXXX. When we call its always a hassle, to make a over the phone or online is an extra XXXX-XXXX dollars to make a payment?
I saw an entry on my credit report from National Credit Systems. I wrote them a letter and they never responded to me, they only updated my credit report that I owe {$59.00}. I then researched the internet for the company and found them online. There is a section that allowed me to put in my social security number and the amount owed as listed on my credit report. It would not accept the information to allow me into their system. I have attached a screen shot of the information as listed on my credit report and the section in red the keeps asking me for valid information. As a result of this company not responding to my letter and I can not enter their system to verify this account how can they report on my credit repot that I owe this debt? And if I do owe this debt they are not communicating with me or allowing me into their system to verify this. It appears they just want to report negative information and can not verify to me I owe this debt. They are violating my rights and reporting false information on my credit report to damage my financial character and causing me XXXX.
I signed up for an American Express XXXX credit card with an awards points offer. I met the spend limit but my awards points are " locked '' because my account is under review per the awards team members I have spoken with. They told me my points could be locked for XXXX8 weeks during the review. I am trying to use XXXX of the XXXX points I have to book travel with my family. I do n't understand why it would take XXXX8 weeks to verify my spend on the card. They do n't expect me to take XXXX8 weeks to verify the charges and make payment when they send me a statement. 
When I called to talk with American Express about this issue they told me that 's just the way it is and there was no one I could talk to about it.
I lived in the retreat XXXX for two years, I was never notified by this company that I owed them any money upon leaving the complex. 9 months go by and I see a pro collect account on my credit score which dropped it, I later received by mail their letter stating that I owe money. I called and attempted to settle the collection by paying half of it, she refused to take the money, or would she send anything to the credit companies letting them know I was never contacted about these fees from the retreat or them. I would like this complaint, to get this collection removed from my credit because I feel they are using my credit line to collect money from young college students.
On XX/XX/XXXX, Midland Funding LLC filed a collections complaint against me. In XX/XX/XXXX, the case was closed without being heard, and I assumed nothing more would come of it. Late XXXX, I received a letter from their local representative, XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX. It contained a verification of debt I had not requested, as well as a request to contact the firm to discuss the matter. I did not, and XXXX of the attorneys contacted me. I pointed out that " you ca n't squeeze blood from a turnip '' -- I am on Supplemental Security Income -- and I heard nothing more. Today, my phone listed a California number among the missed calls ; a quick lookup places it in the right area for Midland Credit Management, which Midland Funding , LLC is a subsidiary of. This is not the first time they have contacted me using untraceable burn phones, and, at this point, I would be more than happy to set up a way to record future calls to provide evidence that it is Midland. While it is n't harassment, per se, closing a case and then starting in on me out of the blue, and doing so in a way that theoretically can not be traced, does not encapsulate any sort of ethical collections practice. ( As an aside, I strongly suggest that a separate and thorough investigation be opened against Midland Credit Management and all its subsidiaries ; does a company that directs its employees to use burn phones seem like a company operating on the level? )
I received a letter from " Helvey and Associates '' on XXXX XXXX, 2016 stating that I had an outstanding electric bill with XXXX XXXX. This letter was dated XXXX XXXX 2016. I immediately called XXXX XXXX. They stated that they had made a mistake and never sent me a final bill. I then immediately paid the amount due. Then on XXXX XXXX, 2016 " Helvey and Associates '' reported it as a collection account on my credit report and they are refusing to remove it unless I pay them additional money.
I opened two lines of credit with XXXX  XXXX in 2015 ... those were indeed mine ... A few months later I found out that someone else used my information with a different social security number to open another one. I contacted XXXX XXXX to inform them of this and they refused to remove it from my credit history, instead they added another social security number to my credit report which I have never been associated with!!! I am now being harassed my debt collectors with regard to a card that I never applied for. My information was one of the many that was compromised when these companies were hacked and this needs to be fixed.
Dear Sir or Madam : I recently pulled my credit and the following accounts are not mines. Someone is using them without my permission. Please remove the accounts promptly within 7 days and please stop the ability for them to continue to use my credit by putting a freeze on my credit report. Letters have been sent to the reporting agencies and the cfpb. I have attached the XXXX XXXX.
the Law Firm of Nair and Levine, debt collector for the XXXX XXXX XXXX XXXX XXXX, is taking me to court for a debt that I have disputed for over 7 years for exhorbitant billings based on estimates, and faulty equipment, which was on my credit report, then removed after I wrote the CEO XXXX XXXX explaining the situation believing he would see my good faith efforts in trying to resolve the issue that was placed on my credit not due to come off for another year and blocking me from obtaining a mortgage. Rather than a reply the matter was turned over to debt collector and a scheduled court date is XX/XX/XXXX. The company in the collection of this debt has threatened me, mispresented its billings, embarrassed me publically claiming I owe this bill when I have disputed it from the first billing. I have tried every way to resolve this matter that is only met with the alleged bill increasing in what I am said to owe, other issues including the malicious litigation that is scheduled this week. I continue to dispute this debt for which from the status conference on XX/XX/XXXX, it is obvious that the purpose is just to grant the company and debt collector judgment and taking action to secure money for them that I have strenuously protested through out that I do not owe. I have documents to support all my defenses and what I setforth in this complaint.
I have been charged by XXXX store card with a returned payment fee ( {$27.00} ) under the pretense that the account I entered in the system had too many numbers or incorrect information and the payment didn't go through, according to the customer representative I spoke to. 

When speaking over the phone with the rep she couldn't even explain the real reason and wasn't willing to correct their system mistake, blaming it on how my bank has its routing/account numbers set, wanted to double check the information I entered to verify I made a mistake but she said the information has been deleted. 

Both checking accounts I had entered to cover balance payments had funds and had been used. After this returned payment happen, according to the rep XXXX  reissued a charge without my authorization to my next default bank account with the original payment amount ( {$45.00} ) plus the returned payment fee, which I find shady since I wasn't expecting this charge on my second checking, luckily I had funds but makes me wonder if they were fishing for a second returned payment fee.
There is incorrect information being reported on my XXXX  credit report. I have spoken to representatives and sent letters to dispute the public records which should not be reporting on my credit per the XXXX, which states- Beginning XX/XX/2017 public record data collected for credit reporting agencies, including bankruptcies, civil judgements and tax liens are to be removed from credit reports. 

They have not complied with this law, whereas the other bureaus have.
I am the sister and filing the complaint against the mortgage company for lack of corporation in filing for a loan modification for my sister. I have legal attorney and have provied at least XXXX applications for the loan modification. Every time I try to talk with the agent who is handling my sisters loan mod. I can not get to talk with them. I am referred and connected to another representative who just repeats the same information over and over again. I have submitted over XXXX inches of documents to the mortgage company, XXXX letters of hardship, income, tax records, bills, and profit & loss statements to the mortgage company. I feel for sure they are stalling and not providing information or help with this loan modification so that they XXXX foreclose on my sister 's house. We as her family can not address any of her other credit issues until we are able to address help with her mortgage. Her XXXX co-pays and doctors use up all of her money just to get medical help. We have tried to re-fi and paid a company Home Eguity {$500.00} which came to no end. They just used our money. The house did not appraise to help. I have also contacted NACA for help and they have supplied papers and phone calls to the mortgager with no help at the present. Together XXXX of us have been working with the mortgager for 3 months and supplied everything we were requested and still no loan modification. Neither the family nor my sister can afford an attorney. We have been trying to straighten out a very bad financial situation and will continue, we just need some corporation from the mortgager before we can address any other issue. My sister is on XXXX and can not speak well or deal well with financial matters at this time, she has just come from XXXX for most of her career. We are told by the mortgager every time we submit documents that they request, even if it is the same document they already have, we must wait 5 days before we know if they will take the information and do the modification or ask for more information. The same information has been submitted over and over again. By me and NACA and still now they say we must wait until XXXX XXXX, 2015. In the mean time they have turned my sister over to their collection department. No she may loose her home before we get a chance to settle any financial matters. She gets upset every time some XXXX calls and I am trying my very best to help prevent her home from foreclosure. So has NACA, but neither of us is having any luck in communicating with the mortgager.
Chase continues to report to my credit report with all three major credit reporting agencies a credit card that began to go delinquent in XXXX 2008 ; this card is reporting with a negative payment status and is clearly past the 7 year reporting rule established by the Fair Credit Reporting Act ; I have disputed this account both with the credit reporting agencies and with Chase directly but Chase continues to report this account in error ; this reporting is damaging my credit and causing me harm.
For 2 years, since XXXX, Dyck-O'Neal made my life unbearable with incessant phone calls and letters alleging that I owed a debt to XXXX XXXX that they were authorized to collect ( attached ). Uncountable times, I responded and advised them that I did not owe XXXX XXXX any money but they continued to harass me. Several times I called the number I was advised to call but the harassment continued. Then I applied for credit and was denied and informed that it was largely because Dyck-O'Neal had reported this debt on my credit ( attached ). My credit score dropped as a result of Dyck-O'Neal 's reporting. I contacted XXXX XXXX and they confirmed to me that I did not owe them any money and that they had not authorized any collection from me ( attached ). I confronted Dyck-O'Neal again and they wrote me a letter on XXXX XXXX, XXXX simply stating that they have ceased collection activities ( attached ). No apologies. No compensation for the emotional and financial stress they put me through for 2 years!
A deposit was made into my business banking account on XXXX/XXXX/2016. The deposit was XXXX US Postal Office Money Orders. Wells Fargo has placed an extended hold on these items, stating that it 's justified because my account has been overdrawn in the past 6 months. ALL information I have been able to find in the FDIC, federal reserve, and by making a call to XXXX states that Government Checks, as well as US Postal Money Orders, are to be made available in 2 business days. Wells Fargo refuses to release the hold. These funds need to be transferred to a paying client. Please advise if this is legal
An old XXXX account was closed in XX/XX/XXXX due to a prolonged period of inactivity. At some point long after, the credit card company allowed an unauthorized charge of {$390.00}. I contacted them several times to explain that, first, I had not authorized the purchase ; and more importantly, that account had already been long closed at the time they allowed the charge. Each time, they apologized and said that was the end of the matter. On XX/XX/XXXX, I had a conversation with a company representative that, I thought, had finally resolved the issue : they acknowledged that the account had already been closed and agreed to cancel the charge they had posted subsequently. They gave me a Reference Number : XXXX. In the past few months, I have received several notices from the credit card company offering to help me work out a payment plan. I ignored these. I have also been notified of a negative item on my credit report that I can only assume is related to this matter. Now I am getting repeated notices from a collection agency demanding {$720.00} on the credit card company 's behalf.
CONTINUE TO CALL MY WORK, I AM IN PROCESS OF TAKING CARE OF THE {$600.00} DEBT CONTINUE TO CALL EVEN AFTER XXXX AT NIGHT ATLEAST XXXX A DAY. THEY HAVE CALLED MY WORK 3 XS THIS WEEK
There are XXXX collections that are being reported as open on my XXXX and Transunion reports. When I called the collection company to pay off these collections the credit company informed me that they had no record of them. XXXX is for {$300.00} and the other is for {$500.00} XXXX are from XXXX.
This is the 3rd time I've had to address my XXXX XXXX account about errors in reporting my account to the credit reporting agencies. The latest inquiry was sent directly to XXXX on XX/XX/XXXX and an acknowledgement email was sent and received on XX/XX/XXXX with Reference number : XXXX XXXX In the request for investigation I included two attached copies of the Trans Union report where it shows my XXXX XXXX account reporting adversely and incorrectly. I included the dates this error was made previously and subsequently corrected however the letter I received today XX/XX/XXXX doesn't acknowledge the evidence or the reason for the investigation and reads as if it is unwilling or unable to process the simple request. I have never ever been late or missed a payment since I got the mortgage in XX/XX/XXXX and the credit reporting does not reflect this fact at all. The error is occurring on one report as of XX/XX/XXXX in my annual review of my credit files I receive from www. annual report.com. I am escalating this issue because XXXX XXXX had all the necessary information to correct this error and adverse reporting in the XX/XX/XXXX but failed to remedy the harm it is causing my credit score and rating by carelessly sending erroneous data to the credit bureau. The first time this same error was caught by me was back in XX/XX/XXXX and a letter was sent on XX/XX/XXXX about the adverse reporting. This account should not be reporting negatively at all in no shape or form. I work very hard to pay this mortgage on time every month for the last 4 years so I would like to be treated fairly and like a valued customer. I will attached all previous correspondence and evidence that XXXX already has to expedite the resolution of this issue.
VIP mortgage XXXX XXXX run my credit before informing me and cause my score to drop to point whereas I have to wait to purchase a home. XXXX call me concerning what he had did, I ask him why didn't he tell me, cause I never gave him permission to do this. XXXX said u gave me permission to run your credit, the form stated once type in your password that gave me permission, then he went on to say it tell you that in info, that why you need to read info in a very sarcastic way. I told him it didn '' t say that and that when he slammed his phone down in my face
I did n't see my first complaint about Cash Central but I do remember in there response they they stated they would no longer interrupt me jeopardizing my work status. They continue to call and today alone there were XXXX calls ( phone records will show ) that went to the front office. This is an annoyance and goes against regulations.