WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by Coast Professionals credit collection i was never contacted by them before and today ( X/XX/2017 ) around XXXX XXXX. i just received a called ( XXXX, XXXX ) from them at my new job in which id just been working for two months. and luckily i was the one receiving the incoming phone calls from my job. i asked why i have n't received any mail from them. i asked them to please never call my job again. My student loans are going to be handled only by the lenders not third parties. they ask for my social security number and i refuse to give it. I don '' t know how they got my work information. They had my personal information why called my job, why they never send any mail.
My husband and I own a small business that is incorporated. XXXX XXXX XXXX XXXX offered us a new processor, better rates, no application, monthly or annual fees. After making the offer and agreeing to that arrangement they needed my personal information instead of the Corporation 's. All that was fraud, XXXX months later charges started coming in. We cancelled the service and had to change the Corporation 's bank account. Many months of them harassing us they turn it into collections. But they reported it on my personal credit reports. This is not a personal issue and now my report is tarnished.
Reverse Mortgage on my property was scammed by a criminal posing as an FBI agent. 
The amount that was due in XXXX was taken away by telling me that I had won an award that taxes had to b paid to agents of the FBI. The mortgage company should never have released the funds because the safe guards were not observed.
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX. 
My DOB XXXX SS # XXXX. I need to update my employer XXXX XXXX IS MY CURRENT AND ONLY JOB. PLEASE DELETE THESE EMPLOYERS NOT MINES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OPERATOR, XXXX XXXX XXXX. 
I had some issues with my ID being compromised and I need to file a complaint to have these addresses deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
I requested that my card / account be canceled and that the associated membership fee be canceled. This was done when I sent in payment for my bill. Which is in accordance the the cancellation policy stated on the back of the bill. However, contrary to my request, the account was not canceled and I was charged a fee. This account was a Chase Southwest Rapid Rewards card.
On XXXX/XXXX/2014 I made XXXX wire transfers to XXXX. After several agonizing weeks the money was transferred back into my account on XX/XX/XXXX and XX/XX/XXXX with {$1100.00} short. The bank stated the difference was associated with the difference in exchange rates and refuses to credit my account nor did they refund my wire transfer fees. 
I think the bank attempted to profit from the exchange rate change and never transferred the currency and returned the money in stead of taking a loss from the opposite rate maneuver.
The collection agency is calling for XXXX XXXX. I am not him. This is his sole debt. They are also calling my Mother. He is my ex husband. He is out on bond for XXXX charges of unlawful conduct on a child. I gave them his phone number, address, his parents address. They continue to call me and my Mother on her phone line. I asked them to stop calling me as did she request for the calls to us to cease. The calls continue to come.
1 ) Repeated failures to mail the monthly loan statements to our home in time for us to mail payment and make the first of month due date. For example, today is Sunday XXXX XXXX and we have still not received the XX/XX/XXXX Statement. We pay by check because we always add varying levels of additional principal to our mortgage payment. 
2 ) We are also experiencing very long time periods from the date we mail our mortgage payment and the time our payment is shown aas being received by them. Note that because of the above stated problem of not receiving statement in a timely manner, we ALWAYS try to mail our payment on the same day we receive the statement. 
3 ) The additional Principal paid with the monthly mortgage payment is not credited to the Principal Balance until the month after the mortgage payment is credited. 
4 ) Note also that I have called and talked to them about these issues, They stated that the Company is in the process of consolidating their loan processing centers and this is the reason for all the delay issues,
The issue has to do with Predatory Lending, Fraud and Elderly Exploitation. due to the length of the documents I will have to upload this in four sections. I will label them : Complaint 1 containing a letter outlining the issue along with some the supporting documents. Complaint 2 will contain additional documents. Complaint 3 and 4 will likewise contain the balance of the supporting documents. Please connect all four documents in order to get the total documents. This download will contain all four Complaints. Please bear in mind-these are not four separate complaonts but four parts of one complaint. The issue has to do with Chase Bank flipping the loan on my now XXXX brother- XXXX XXXX . You said you had already submitted this complaint once : XXXX. I do not know if what you submitted was the total document since I have tried to mail it to you with no luck, I have tried to up load it to you but your system would n't take it all at once, and I have sent you documents before. This one contains more information. Please use it.
We transferred title on property encumbered with XXXX mortgage and note serviced by NationStar Mortgage , LLC. XX/XX/XXXX, on the same day the closing agent, title company paid off the mortgage balance.. 
On XX/XX/XXXX we requested in writing to NationStar a written and recorded proof of Release and Satisfaction of Mortgage, as of this date no response. Our credit reportswith XXXX credit bureaus show said mortgage balance unpaid. Escrow account not involved. 
We are attempting to correct our credit scores prior to purchasing another home. 
Also need written proof the mortgage is recorded as Released and Satisfied.
I used a Citibank check that comes in the mail to pay my taxes. Written on these checks clearly is there is a transaction fee for balance transfers. Not considering writing a check is a balance transfer I used the check. Surprising I was charged a fee for doing this. I contacted the customer service line and was told to write the President of Citibank if I was not happy with there reply. I did this and received a call from the executive office. I explained my problem and was told they would pull the offer and review. After 5 days I received a call from Citibank stating that this is the offer and there is nothing they can do. I explained I can not afford this fee and because I have been a loyal Citibank customer for 20 years I would like a courtesy of this being waived. Citibank would not show any loyalty to me and refused to help me. They even had the nerve to say they do not make money off of me. I said you have had my money in your bank for over 20 years and you have certainly made money on me. I feel these checks they keep sending are very misleading to there customers. I was so shocked that Citibank would not budge on showing any courtesy to a customer. I am filing this complaint to try and get some satisfaction from Citibank.
I had my vehicle financed with XXXX XXXX XXXX. I called XXXX to see if there was a local office I could go to to payoff my loan. I was told since they are an internet company they do not have a local office I could use for this purpose. I sent funds to payoff the loan to them electronically. Per discussion with a phone representative the funds were received and were sufficient to payoff the balance of the loan. The funds were received by XXXX on XX/XX/18. I have a prospective buyer of the car so I called XXXX on XX/XX/18. I was informed the title to the vehicle will not be released until 10 - 30 days have passed. I asked if the reason for the delay was to verify funds used to payoff the car has cleared and was told no. It is just XXXX 's policy. I can not imagine a valid reason to wait a month before the title to the vehicle is released by a lender. This is an unfair practice.
XXXX XXXX XXXX is not legally authorized to collect debt in the state of Texas and is changing their name on my credit reporting from time to time. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and therefore they are not legally able to  attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report ASAP. 
I have sent a previous complaint against XXXX collection agency. They have since changed their reporting name on my credit report. Again, Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. XXXX ( XXXX  XXXX XXXX ) AKA XXXX XXXX does not have an " active '' bond filed. In my previous complaint, XXXX has stated they are doing business under another agency name, however this is not listed on my credit report, what is listed does not have an " active '' surety bond filed with the State of Texas. The results from my previous complaint is on file with the Consumer Financial Protection Agency. XXXX XXXX XXXX is the company reporting on my credit file currently. This company keeps changing their name on my credit report. The company removed the reporting to the bureaus briefly after the original complaint however has since started reporting again.
I have contacted XXXX XXXX XXXX in regards to a Discover credit card account ending in # : XXXX that was opened fraudulently in my name and someone using my personal information. Discover continues to hold me liable for the fraudulent account and charges that arent mine and dont belong to me. I contacted my 2 U.S. Senators from Arizona, Senator XXXX XXXX and XXXX XXXX and informed them of this matter. Senator XXXX and XXXX sent me a letter and informed me that they will look into this matter, contact XXXX XXXX XXXX seeking a resolution to this matter, and possibly call senate confirmation hearings for executives from XXXX XXXX XXXX to appear at senate confirmation hearings due to receiving similar complaints from other constituents in their district.
My 12 months promotional monitoring service with Equifax expired on XX/XX/XXXX and I did not receive an email notification informing me of the change and new charges. When I signed up for the promotional service, I requested to be notified before switching to the regular service ; being doubled charged. When my credit card displayed the charge of {$16.00}, I immediately called Equifax and informed them that I did not authorize the charge and did not receive a notification of the change. The first Representative told me they no longer send out email communication. I then requested a Supervisor who informed that the email was sent on XX/XX/XXXX. I told him I checked both SPAM and my emails, the notification did not come into my box. I even offered to send him details ; a search query showing all my received emails from Equifax in my inbox and SPAM. Although, I am currently disputing the unauthorized charge with my credit card company, I would also like to file an official complaint against Equifax for their lack of customer service - submitting an unauthorized charge and unwillingness to correct the problem by reversing the {$16.00} fee. I was told by the Supervisor ( XXXX # XXXX ), I could speak with the email department and file a complaint, but he could not reverse the fee. The charge is a monthly service fee for service I will not be using. Although, I closed the account on XX/XX/XXXX and have no interest in continuing the monitoring service, they are forced to keep it open until next month to justify not refunding the monthly fee - account shows it expires on XX/XX/XXXX.
Dynamic XXXX Solutions calls our home is not specific who they want to speak with or what debt they are referencing. They have not sent anything in writing to our address related to any debt of any of our household members. We have been be very attentive toward any debts we do have, so we found this very disturbing. After some on line searching we appeared to be just another victim of a company with long history of questionable activity. They call from a Michigan cell number XXXX and want to call XXXX, not saying who they are calling why they are calling, or to what debt this could possible relate.
On XXXX/XXXX/16, I sent {$760.00} via MoneyGram. The receiver rejected the funds and they were returned to MoneyGram. As of today, MoneyGram has failed to return the funds to me and everytime I contact them I receive a different story. I have asked to speak with someone in charge that can make decisions and I am told there is no one to speak with. MoneyGram has been holding onto money that is rightfully mine for over 10 days. The money needs to be returned along with the fee I was charged for sending it. This issue has taken me away from my job for 2 days trying to get it resolved.
I was never notified that I had a bill in the first place and I thought my insurance took care of this matter, I have decent credit so it would n't have been a problem to pay the bill. So I was told when I paid it they were going to remove it from my report only to leave it on there and tell me that they only update the report to a paid status. I feel that this is wrong I am trying to buy a house and this is holding me back and the way they get you to pay the bill and tell you they are going to remove it off your report. I spoke with several different people at that agency and I was told so many different stories after I paid the bill and I received a letter stating they were going to remove it and they still did n't it was removed from two of the three reporting credit agencies but Trans Union will  not do it unless this agency contact them direct. This has been an on going thing for months and I have had it I pay all my bills with no problem. These people is just trying to cause problems.
XXXX accounts for {$160.00}, {$88.00}, and {$140.00} and date of service was XXXX. Accounts were written off due to billing insurance company beyond billings limits on XXXX. All XXXX accounts were referred back to original creditor from collection agency on XXXX/XXXX/XXXX. I contacted collection agency but they refuse to close account and remove from my credit report to reflect the correct reporting. I would like accounts deleted asap because I do n't owe and this account been closed out since XXXX XXXX.
on XX/XX/2017 we paid our mortgage by mail and personal check to Wells Fargo for XX/XX/2017 house payment. on XX/XX/2017 we receive our mortgage statement from Wells Fargo and it was for XX/XX/2017 which we promptly paid and verified the check was cashed by Wells Fargo. While discussing the issue with my wife Wells Fargo cut her off. She called again the same day ( XX/XX/2017 ) and she got hold of XXXX ( no last name given ). He acknowledge that the house payment was received and the check cashed by Wells Fargo. His explanation was " oh well they just sent you a duplicate ''. YEAH RIGHT.
There is a foreclosure sale date on Monday XXXX XXXX, 2016. Due to XXXX XXXX, our house is subject to a moratorium in foreclosure activity. Suntrust has not dismissed its action to prevent the sale of the house in violation of the Presidential proclamation of an emergency as well as the XXXX order to prevent foreclosure activity for houses subject to the proclamation, such as mine. We sent a notice of error to Suntrust on XXXX XXXX, 2016 via email to Suntrust 's counsel of record and to Suntrust via certified mail. Suntrust has acknowledged receiving the XXXX but has not responded despite the fact that there is only one more business day before the sale of the home. Suntrust is not taking the appropriate action to ensure the house does not get sold at the foreclosure auction.
I sent the attached letter to Equifax on XXXX XXXX. Despite numerous follow-up letters, they still have not responded to me in any way.
My account was sent to collections and reported with the three major credit bureaus. The problem is I never received any kind of bill from this company. When I called the XXXX XXXX XXXX XXXX for more information I was given the run around. This bill is for ambulance service. I identified myself with my Social Security number and date of birth. I asked after many calls back and forth with them and my insurance co. for them to let me speak to a supervisor. I was put on hold the 5 times I requested a supervisor for more then ten minutes. It was not until my insurance co called them that I was able to speak with a supervisor after more time on hold. The problem I was told by my insurance was that they were billing the wrong medical group and my bill was going out to the old address. I called them again to ask why they did n't have the current address on file and I was told by a ( rep. ). that it was my obligation to keep them informed. How can one? No one really know when one is going to need an ambulance. My daughter called XXXX we have no way of knowing the name or whom is being sent out. I am very upset and frustrated with them since my requests for information and asking to be connected to a supervisor was ignored. I feel that they should have checked with XXXX XXXX since my license and ins. card was provided at time of service with current information. I want this collection account removed from the three major credit bureaus. It was not until my insurance called them and I called back and asked for a supervisor was I able to speak to one. I spoke with XXXX the supervisor and he stated that my account is not in collection that Bay Area Credit Service was used just to locate me. They really do n't know what they are doing over there. When I assured him that this account was surely in collections and I wanted it removed from the three credit bureaus. I do n't want it marked as paid in full I want it completely removed since it was their error. He said he would have that done but they do n't know what their doing over there. Very unprofessional. I called Bay Area Credit Services and it 's still in collections even after I explained the situation to them. Please help me resolve this problem. Thank you. I just want to add that I was not contacted by the credit service or the creditor since they did n't have the correct address on file. I only found out about this collection account after checking my credit file and I disputed the charges because I did n't recognize the account as being mine. I had no knowledge of it at all since I pay my bills in a timely manner. Now my credit is being ruined.
My husband and I received a Notice of Eligibility from the State of NJ for the XXXX Forbearance. The instructions were to forward a copy to our mortgage company and ask for a letter of forbearance from them. I called my mortgage company on XXXX/XXXX/17 and was told to e-mail a copy of the letter. I did that and have not yet received the letter requested. They call me several times a week and do n't know about the letter. They put me on hold to look into it and then tell me to call back in 10 days. This is very frustrating.
Equifax CRA is reporting a credit utilization for revolving accounts at 124 % and scoring my account as XXXX XXXX. This is incorrect, my utilization for credit cards is 80 %, my score should be 607 to 627 total debt for revolving is XXXX my limits is XXXX this equals 80 %. the math is easy. They refuse to change, I have suffered a loss with this score and want it changed.
Repeated denials for Discover bank cash checking account. The reason are stating   XXXX   XXXX   has something blocking an approval for their checking account.   XXXX   XXXX   customer service has stated their is no derogatory information and that I have a clear report. DISCOVER BANK stated to apply again and denied again for the same reason   XXXX   XXXX  . My risk from  XXXX  to  XXXX  is  XXXX , nearly a perfect score?! So something does n't make since in this.
I submitted an investigation request on XX/XX/XXXX. More than 30 days have gone by, and I have yet to receive the results of my credit investigations.
My husband has received numerous phone calls from XXXX from someone named XXXX XXXX, who asks to speak to me regarding a personal matter he is handling for me. He has asked for my work number, my personal number, etc .... These calls are being made to my husband 's business phone and they are a nuisance to him both personally and professionally. 

I have no idea who this is, I have no personal matters being managed by anyone I do not know, and I would appreciate it if this individual and this company GC Services would discontinue calling my husband or any other number they have in an attempt to reach me.
Item was deleted off my credit report before, I check my report recently and discovered it has return. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they are required to notify me of the reinsertion in writing within 5 business days. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for there blatant disregard for the law.
I had a settlement amount for Portfolio Recovery Associates for a XXXX debt. The settlement amount was {$800.00} and I was making at least {$25.00} a month payments. In XX/XX/XXXX, I accidently mailed them a money order for {$20.00} that I had for another creditor and mailed their {$25.00} to the other creditor. In the past I would often make more than the {$25.00} payment. At the time in XXXX, my balance on my settlement would have been {$110.00}. In XXXX, I was called and told I broke my " promise ' and that they settlement was gone and I would now owe {$660.00}. As you can imagine i was extremely upset about this and asked/begged to be placed back on my settlement offer. Since the many people I spoke to were unwilling to assist me in renegotiating my settlement, I quit paying. I understand there has since been a judgment placed on me as of XX/XX/XXXX for the amount of {$730.00}. I know I was wrong to just stop paying but no one was willing to help me get my settlement back after a small {$5.00} error when in the past I had often sent more than the {$25.00} payment required. I would like to have this settled again for the amount of {$110.00} and I will gladly pay this in full immediately to take care of this situation.
I sent a letter to first credit services not to contact me by phone. I 'm still being harrassed to this date with threating and other tactics