WillisBack/dataset-financial-user-claim huggingface dataset:
i received a letter from Alliance One Receivable Management, the telephone number in such, XXXX misrepresents the collection agency. This toll free number directs me to an automated system full of marketing sales advertisement. From XXXX offers, emergency service for the elderly, up to mobile phones sales. i question the legitimacy of this company. I feel they are trying to phish for information if i choose an offer. it is concerning they have my PII information, fake such a letter, and may take advantage of computers. This is unfair and deceptive practices. I found their number on-line and spoke with XXXX XXXX who was rude - she refused to provide me information about the legitimacy of her company.
I am filing a complaint on Lexis Nexis because I have requested my risk file from them by mail on several occasions to see what is being reported about me because I continue to be denied for credit based on their information. They have not responded to my request at all.
Company calls me several times per day and hangs up. I feel they are using abusive credit collection tactics by harassing me. 

Also, I am sure if the charge is legitimate. They waited 3 years before putting themselves on my XXXX Credit report.
I have attempted to communicate with this company to let them know that I am an ID Theft victim, and that these medical bills are fraudulent. I never applied for them, and they are both under my XXXX maiden name. I already complained about one Debt Collection Company. These people would n't listen!!!!
My information has been breached by the XXXX breach, XXXX information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted Experian via Certified Mail on XX/XX/2017 and got no response back. A representative of Experian signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize. XXXX   and XXXX investigated each inquiry on my credit report through them and deleted all inquiries. Experian is breaking FCRA laws by not deleting inquiries that can't show my signature authorizing the inquiry.
We are in disagreement with Bank of America Home Loans on the denial letter for a loan modification received on XXXX XXXX, 2015. We believe that Bank of America is not acting in good faith on making this decision in our loan. Based on our current financial situation, we qualify for a modification under the Hamp Program Tier 1. We believe that we meet all qualification requirements for this program. In addition, The Net Present Value Data Input and Values Chart used Bank of America to disqualified our loan modification application is based on high predatory lending rate of 7.5 % when the current mortgage loan interest rate available on the open market is less than 4.5 %. Moreover, Bank of America stated that we have poor credit score, which is not the case because cur based on Bank of America NPV report our credit score is XXXX. In today 's credit score requirement any person can qualify for a XXXX XXXX, or FHA loan with less than XXXX score. We are here appealing Bank of America 's denial decision in our loan based on the above grounds, and we ask the Bank of America comply with all Federal, State and Local laws, and provide us with this information. We will submit copy of this complaint to Bank of America.
My account was forwarded to a collection agency known as union adjustment after I filed for a chapter 13 bankruptcy, the XXXX account was included in my chapter 13 bankruptcy. XXXX continues to report my account as open, NOT included in bankruptcy and reporting that it is late. In addition, 1 year after filed for bankruptcy XXXX forwarded my account to a collection agency. This is a violation of bankruptcy laws.
I have been using LoanCare - www.myloancare.com. I have been trying to access my mortage account for the past 5 days. I need to gain acces to my loan info for filing my taxes. I have called many times due to problems with the web site i am unable to get my password reset. I am worried that this place has gone under or there no IT department at all.
I discovered a {$3800.00} past due notice from XXXX against me with a collection agency. Having always maintained an 800+ credit score, this was noticed immediately. 

I called the agency who took my information and sympathized then immediately sent me an invoice for the debt. I then filed a police report and sent it along with a letter of explanation to the collection agency, XXXX, XXXX XXXX, XXXX, XXXX. Not once, but twice. Today I received letters from XXXX and XXXX   who stated they received confirmation that this debt was mine. What?! 

On each of the credit bureau forms, it lists prior addresses. I pointed out that all on my list are correct except for the address in Michigan ( where I have never been nor lived ). I told them that is where the 4 brand new iphones must have been delivered and to please follow up. I also asked XXXX to confirm where they were shipped. NO ONE would even look at it. All of them say it is my debt.

Now, if you look at my pathetic 3 year old XXXX XXXX, you will realize I did NOT purchase any XXXX.
In XXXX, I lease an XXXX XXXX and the financing for the lease was through XXXX XXXX XXXX. In XX/XX/XXXX, I traded-in the XXXX and started a new lease for a XXXX XXXX XXXX. The paperwork was finalized and I owed nothing on the lease and only owed my first month payment at signing. The paperwork was finalized and XXXX XXXX XXXX took back the XXXX XXXX XXXX. The first week of XX/XX/XXXX, I received a notice that my XXXX XXXX payment was late. This car had been purchased back by XXXX XXXX XXXX several weeks earlier in exchange for my new lease XXXX XXXX. I tell XXXX XXXX XXXX the situation and they state that XXXX XXXX XXXX in XXXX Texas has not sent them the payoff. They have had the car for about a month at this point and I have no possession and have traded it back to them via all paperwork that was signed XX/XX/XXXX when XXXX XXXX was purchased. XXXX XXXX XXXX in XXXX Texas tells me that they are backed up getting the payoff information to XXXX XXXX XXXX. I ask them if this will be reported to the Credit Bureaus. I can not get a confirmation that this will not be reported to the bureaus since I do not own the car any longer and XXXX XXXX XXXX is slow to get the payoff to XXXX XXXX I continue to get late notices from XXXX XXXX XXXX even though I have told them XXXX XXXX XXXX has possession of the vehicle and I traded it back to them with the purchase of my new vehicle. I am now in the process of trying to figure out if the late payments have been reported to the Credit Bureaus and to dispute the information if necessary. Due to XXXX XXXX XXXX 's negligence my credit history my be at risk. This is an issue that others considering lease financing and working with XXXX XXXX XXXX XXXX need to be aware of in the future.
I sent a certified letter o XXXX on each attempt dated XX/XX/18, and XX/XX/18 for proof of claim of the alleged debt that they claim I owe to their company and that is appearing as charged off on my credit report. I specifically asked for a signed agreement and other supporting documentation as proof of claim of the accountancy. The request was not adhered to. XXXX have been reporting an alleged charged off debt to the credit bureaus as verified after each letter was sent out and I am asking that the alleged account be deleted. 30 days has passed each attempt to retrieve the information and XXXX failed to adhere to the request of documentation but continue to report the alleged debt. The account was never verified nor validated. XXXX sent a alleged bill and followed up with a letter stating that they no longer have the alleged application on file due to a retention period passing and offered a cardholder agreement.
I was taking my sister and niece to the XXXX XXXX Bank of XXXX branch open saving and checking account on XXXX/XXXX/2016. 
We have present XXXX documents, the passport with resident visa and the SSN card to the representative of the bank. 
The representative reviewed passport and response that the passport visa was expired which she was wrongly defined visa expiring time with the last required entry date. After I showed her what mistake she made with visa type and date, She responded that she was not immigration officer, which I do n't blame her, so She asked to show the documents to her assistant manager - XXXX XXXX, so she can have his approval. 
After a few minutes, she came back tell me that because the visa was expired that she ca n't open an account for my sister and niece. Which again, I told her, she made a mistake again with the resident visa, otherwise, my sister and niece will be illegal immigration which they are not. 
So I request to speak with the assistant manager. 
After wait for a few minutes, the assistant manager walks over, whom has met me at the representative 's office 's door, who without greeting and identify himself. Only he was doing was staring at me, I was very surprised by his way to unprofessional and asked him if he is the manager. And he answered " Yes '', so I have invited him to seat which he suppose to invite me to seat. 
He starts to explain to me the reason that the bank ca n't open an account for my sister and niece. 
In his words, his reason was the bank needs XXXX IDs in order to open an account, and that is bank 's policy. Since his reason was different compare to his representative, I start suspicious that his reason was beyond bank 's policy. So I was very polite tell him that I was full understand and respect the requirement if that requirement is the policy of the bank. However, in order to not have future misunderstanding the requirement, I would like to have the requirement in writing, either from him or from a printed bank policy document. The assistant manager- XXXX XXXX XXXX refused provide such requirement either in writing or he told us, that bank has no such document printed for the customer. So I told assistant manager what I concern that without such bank policy in writing, I ca n't trust his word, because he may change his words once we had XXXX ID documents which he and his staff already change they requirements in 10 minutes. He refuses to give me any answer. So I was direct ask him if the requirement his ask was because we are XXXX, he was refuse to answer again but staring at me. When I continuously ask him if I can record his word, he also refused. Since his word and act was extremely stronger to me, and refuse to left any trace of evidence that the bank actually need XXXX IDs to open an account. As customer, I believe, I have been mistreated because my background as XXXX XXXX. I am asking for full investigation of the bank 's practice that against minority and the apology from the bank and the manager in writing. Thank you!
Issue : I booked travel through Chase XXXX XXXX program through chase.com website to redeem rewards - Chase sold a ticket which can not used. Chase is not able to take back the product. 

The sequence of events : XX/XX/2017 : Booked ticket for XXXX year old from XXXX XXXX XXXX. Got email confirmation. 
See attached. 

XX/X/2017 : I called Chase to confirm regarding {$150.00} fee to Airline for XXXX XXXX program. 

XX/XX/2017 : I called Airline to pay the fee. Airline declined stating that unaccompanied minor can not travel alone on connecting flight.

XX/XX/2017 : I called chase to refund the money since they sold a product that can not be used. Chase declined to help and said that buyer beware. This is clear cheating the customers of selling a product that you are NOT allowed to.
Wells Fargo Dealership Services ( whom I owe a debt to on a loan for my truck, and they communicated with my wife at our home # in which she told them I WAS OUT OF WORK and had no job ) ... .called : 1 ) My Home 2 ) My Cell # 3 ) The Dealership where i bought the truck 4 ) My ex-employer 5 ) My wife 's cell phone 6 ) My wife at her place of work 7 ) My wife 's mother who lives in another Town 8 ) My father who lives in another city ... ... ... ... .. 
... .and therefore told each and every entity listed that they were trying to COLLECT A DEBT from ME, and this is HARASSMENT!!! Either something had better be done about these practices, or I 'm going to file a lawsuit for harassment and defamation!!!!!!
In XX/XX/2019 I received a letter from XXXX XXXX , XXXX with a discount offer for account number XXXX  the original creditor is XXXX/ XXXX/XXXX XXXX. I have never had an account with XXXX XXXX   before.The current balance is XXXX . XXXX XXXX , XXXX  Acct # :XXXX.
An apartment company filed a invalid debit with Hunter Warfield Collection agency. I had filed a notice to dispute and also contacted the apartment company and an attorney. The leasing company, XXXX XXXX XXXX in XXXX XXXX chose to ignore the letter from my attorney stating the debt was invalid and discontinuing collection activities. About a 4 days after the letter from my attorney was writtent to both the collections agency and the leasing company an old aquantance of mines PARENTS recoevef automated dialings from the collections agency about me. Not only was I embarassed but they had no reason to contact someone I knew years ago parents. When I asked them to stop they basically told me that I needed to pay my debt I told them to talk to my attorney and all collection contact needed to stop and they told me no, only for a week they would stop and then they would start again.
My VA Representation confirmed my VA Liquidation guidelines were approved. The Servicer, Penny Mac, will not honor my approved Liquidation. I am currently doing a VA short sale, as to I am XXXX.
WHAT IS THE XXXX LAW THAT SAYS XXXX CAN CONTINUE TO ADD MONEYS TO A CLOSED ACCT.? IT STARTED AT $ XXXX I OWED, REFUSED TO PAY BECAUSE THEY SOLD ME A DEFECTIVE COMFORTER, THEN ACCT. WAS CLOSED, MY CREDIT REPORT THEN HAS $ XXXX NOT PAID, THEN WENT TO $ XXXX NOT PAID, NOW IT 'S $ XXXX WHEN DOES THIS XXXX STOP? WHEN DOES XXXX GET REPRIMANDED, FOR THE LIES, UNTRUTH OF AMOUNTS ON MY CREDIT REPORT? I AM NOT PAYING WHAT I DO NOT OWE!! XXXX/XXXX/16 NEXT WEEK IT WILL BE EVEN HIGHER OF WHAT THEY ARE TRYING TO RIP-ME OFF FOR!!!!!!!!!!!!!!!!!!!!
We have a licensed loan originator who has 0 respect for law or compliance and has been named as a top originator in the country several times. The public is being harmed as well as United States Tax payers. 

It has been brought to our attention that this loan originator has been buying business from real estate agent and giving TV 's, Refrigerators, and other things of value for business in return and has been done publicly via XXXX and other social media sites.
I am writing to complain about an reoccurring issue with Nationstar. In XXXX 2015 I paid my mortgage through the Nationstar payment system an deceived a confirmation. Later, I received notice that I had been reported 30-days late on my mortgage hen I had in fact paid it. Later after speaking with a Nationstar representative I was told that they had never received the payment and that there appeared to me a problem with my account. I have used this account on previous occasions without issue, but Nationstar stated that they had to research the issue, but after three months I have not received a response to my inquiry. Currently Nationstar is reporting my account as 30-days past due and it is severely impacting my credit. This is the second time this has happened with Nationstar within a year and I am eager to get this removed from my credit so that I can re-finance my mortgage through another lender. Any assistance the CFPB can provide me would be greatly appreciated. Best Regards
I have been contacted incessantly and at all hours by various representatives of "  SW Credit Systems LP.   '' They claim I owe {$260.00} to  XXXX  from  XX/XX/XXXX  and on   XXXX   listed this is my  XXXX  credit file. I do NOT owe "  SW Credit Systems,  LP '' ANY balance whatsoever nor anyone they claim to represent, including  XXXX .
Yesterday I was trying to get my credit reports using www.annualcreditreport.com. I was successful getting my reports from XXXX and XXXX and was able to view those reports multiple times on their websites however, while getting my report from TransUnion online I had forgotten to save it before moving on to get my report from XXXX. I had contacted by telephone the customer service line of TransUnion and was rudely told I could not view my report anymore times for free. He told me that I must pay to see it again now or wait another year to see it It is important that I 'm able to view all XXXX of my reports due to me needing to submit documents to my attorneys for an upcoming bankruptcy filing. Is there anyway that I can retrieve it now like I can from XXXX or XXXX?.
wells fargo sent a new card to an address that is not mine and did not request refused to take false address off my account. refused to resolve problem or help me find the person that canceled my card and had a new card sent to them. told me they could not take false address of my account. no help offered status of account. do not know if crook is out running up charges on my account or not .the crook has total control they claim I can do nothing.
I have requested over and over again for Experian to delete incorrect information from my credit file. I ( See the attached XXXX which DOES NOT HAVE MY NAME OR SOCIAL ON IT ), yet it is listed on my report. Experian has continued to violate the FCRA and the rights that have afforded me by practicing deceptive reporting and Experian is continuing to aid them by holding my credit hostage with inaccurate information. It is for these reasons that I am disputing the following and asking for complete deletion from my file. 
The following is maintained under my Social Security Number : XXXX XXXX Account # XXXX You can see that the attached XXXX DOES NOT HAVE MY NAME OR SOCIAL ON IT BY ACCORDING TO XXXX OWN DOCUMENTATION AND REPORTING. Thanking you in advance for assisting me in having an accurate credit file, with your credit reporting agency.
On XX/XX/XXXX, I filed another fraud and complaint to Equifax about violating my rights. I spoke to a supervisor on said date and advised them of my filing with the CFPB. Little to my findings, Equifax supervisor illegal changed my last name and email address to avoid actions from CFPB reference # XXXX. I found on XX/XX/XXXX by their helpdesk that my email was changed and also, my credit report was updated to reflect the continuing fraud activity of XXXX XXXX XXXX on XX/XX/XXXX and Equifax failed to notify me because, they illegally changed my name and email address to scam the CFPB and the Federal Trade Commission to advise that I never filed a complaint but the complaint reference with Equifax is Confirmation Number : XXXX filed on XX/XX/XXXX and to prove that they illegal changed my name here is the other confirmation numbers which they have ignored : Confirmation Number : XXXX on XX/XX/XXXX, and Confirmation Number : XXXX filed on XX/XX/XXXX. Today- I called Equifax approx. XXXX XXXX central standard time : Spoke to XXXX in the fraud department -- She Confirmed someone changed my information on XX/XX/XXXX at a time that no recorded information was obtained to support the changes not only, she said, " The complaint date was also changed to XX/XX/XXXX instead of the confirmed email dated XX/XX/XXXX after I made the contact complaint. -- Attached are the supporting documents of the unauthorized changes that was made to my Credit Report ...
XXXX of XXXX I called XXXX to make payments on four XXXX student loans that I co-signed for my daughter. I advised that the payment the service agent quoted was incorrect. After being transferred to three different agents I was advised that the payment was correct and one of the loans had been in deferment and now due. Ask when did the loan come out of deferment they advised XXXX XXXX. I immediately advised that I was not aware and nor had the previous payments made XXXX thru XXXX was I told a different amount was due. I requested that they review the recorded conversations to confirm that I was never advised that the payment had come out of deferment and I paid exactly what the agent quoted. I made repeated attempts to get the notices re-aged but to no avail. XXXX XXXX I sent a certified letter requesting the history be examined, the letter was signed for on XXXX XXXX and as of today I have not gotten a response. The notices caused my credit score to tank and which subsequently resulted in my equity line being closed and the payment increased, XXXX closed along with an increase in my mortgage insurance and credit limit on another card slashed from {$3400.00} to {$250.00}. This has caused a total melt down and I have yet to get a response. Please help
RMB Inc., XXXX XXXX XXXX XXXX, XXXX, TN XXXX, telephone number XXXX is attempting to collect a debt for client XXXX XXXX XXXX when I am making payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX for all of my open accounts. I am Social Security XXXX recipient and under medicare.
Dear Sir or Madam, Common Wealth Financial Systems CFS has attempted to collect a false debt of {$1400.00} from XX/XX/2013, with no verification, and no proof or legal claim, or valid right to collect monies. It is my understanding that they falsify claims and prey upon elderly, ill and XXXX who have received services from medical institutions that have transitioned to new administrations. I would like to join in the class action lawsuit that is currently being filed against this fraudulent debt collection agency. The name/number I was given to contact is XXXX XXXX at XXXX XXXX XXXX ext. XXXX. 

Their listed information shows : CFSI Account # is XXXX, current creditor XXXX XXXX XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX, Original Account XXXX. 

I have contacted the company with no response from them yet. 

Please Advise, XXXX XXXX XXXX
I tried to get my free annual report online tonight from Equifax. It asked me various " ID verification '' questions and said my answers did not match what was on file so they would not give me my report. Based on the mismatch, I placed a 90-day fraud alert assuming someone gave them erroneous information pretending to me. Then I tried to get my free report for placing a fraud alert. Again they would not provide it since my answers did not match their records. This is foolish of them since that is what one might suspect if someone fraudulently gave them erroneous information pretending to be me!
Here is some information about what is going on. Enhanced Recovery Corp has placed items on my credit report that I have no knowledge about. 

The collection opened XX/XX/XXXX for {$2000.00} From ERC, with the original creditor is coming up as XXXX XXXX XXXX. I have no recollection of this account. I only recently started using my credit in XX/XX/XXXX. I 've never had a cell phone, cable, satellite TV, house phone, or my own house for that matter. I do n't know how any of this is coming up. 

I 've tried disputing through XXXX XXXX dispute feature twice, and they keep sending it back saying the information is accurate. Also through XXXX online dispute, the same thing. Now I did check the address that they had on file and it is my childhood home, but I have n't lived there since XX/XX/XXXX. 

The name they had on file originally only matches up with my last name, the first name on their file was never a way my name was spelled, pronounced, or did I ever go by that name. Further more, the name was a masculine version of mine, and also the fake name was also spelled incorrectly. As far as I can tell, they have since then changed it? That name is not coming up in any file I can access online. 

This Collection / Derragotory mark has been affecting my life severely, I refuse to pay this collection because it is n't mine.