WillisBack/dataset-financial-user-claim huggingface dataset:
I have received several phone calls made to my work phone, as well as my cell phone, and my husband has also been harassed via his cell phone, mailed correspondence. This debt was a credit card, original debtor XXXX XXXX XXXX, which is now being handled by XXXX XXXX XXXX or MCM. This debt was paid for an agreed amount of XXXX. XXXX ( settlement ). A check was issued in the amount of XXXX. This check shows as being endorsed by MCM on XX/XX/XXXX. The check was made out to XXXX XXXX XXXX  with myself an my husband 's name listed as in reference to. I spoke with a representative from MCM and was informed that an e-mail was generated to XXXX XXXX trying to locate how the check was credited or if it even was. They also stated that because both of our names was on the check, when the account was in my name, that they didn't know where or how to credit my account. This last contact is the first time someone had explained that much to me. This has been going on since XX/XX/XXXX. They simply keep saying I owe this debt even though no one can explain where the cashed check went to.
Navient took over my loan from my previous loan servicer, where I had a 1 % interest rate reduction for maintaining autopay. When I was switched over, I needed to sign up for autopay over again to retain that discount. I did so, however i also needed to switch bank accounts. Unfortunately, the web site was giving me several problems and I spent hours fighting with it. I finally was under the impression that the autopay went through with my new bank account, but it did not in fact go through as expected. As time passed, I was charged for a late payment, and quickly reinstated autopay. When I called to address this issue, I also noticed that my rate had increased by 1 %. To add insult to injury, they blamed me for not making the payment on time, and refused to return to my original interest rate. They even refused to refund the late fees. I called again and asked to speak to the manager. They put me on hold multiple times, for several at a time, giving me the impression that they were working to resolve my issue. They ultimately informed me that they would send it to someone who would potentially fix the rate issue as a courtesy. Nobody ever got back to me, the late fees were never returned, and my rate is still 1 % higher than it should be. There seems to be nothing I can do. I have had these student loans for over 10 years with a previous servicer and never had a late payment in my life. One missed payment that occurred because of their broken web site, and I am now paying them a higher interest rate.
When trying to check the status of a dispute with Equifax, they require me to answer questions supposedly taken from my credit report. When I answer the questions correctly, they say my answers do not match their records and refuse me access. I understand the need to protect my information, but of course my answers may not match because THEY have the incorrect information. And now I can't access my report to correct THEIR incorrect information, which appears to violate federal law.
I'm really not sure what is being charged on my credit but I know for sure I don't owe anything!! I've been trying to fix this and all I get is put on hold for hours ... ....
My information was stolen from Equifax by hackers. The company is not helping and has violated any sort of rights or trust they might have.
XXXX XXXX XXXX is stalking me and has began a harassment campaign. This company is misrepresenting the purpose of the call and disclosing personal information to people I barely know. The have failed to send any correspondence in the mail with a detailed discription of debt in question. This is a total violation of my rights.
Back in XX/XX/XXXX and XX/XX/XXXX I have attempted to communicate with Fifth Third Bank in regards to an inquiry made towards my XXXX credit report that was not authorized by me. I have advised Fifth Third several of times to send documentation that I authorized with my signature. This is a violation per FCRA regulations and if Fifth Third refuses to cooperate in this matter, I will have no other option but to file civil suit against this institution.
My request for mortgage modification on XXXX XXXX was sent to Select Port Folio with my financials to request a mortgage modification. Spoke with customer service and was told they were not processing my request. I don't want to lose my home. 
I've been given the run around trying to get help with keeping my property. 
Please Help
Chrysler Capital has an unethical, disorganized, and unreliable loan management system. Their interest is calculated in a ambiguous fashion as to confuse consumers and have them pay an exponential amount more. They are not transparent with their consumer 's money and where it is being allocated. I have always been on time with my payments, never faltering in sending the amount i owe, plus some more. Every time i send a check to be applied to my principal account i have to take precious time out of my day, to call them. Furthermore, their accounting department is not up to date, and take days to resolve issues pertaining to consumer 's money. Thus, this reflects when XXXX checks statements online.
I have disputed these accounts a few times already asking for validation and Experian has failed to provide me with the documents they have on file to verify this account. Under the FCRA anything unverified needs to be removed. These accounts also are reporting incorrectly. Payment history is incorrect and Experian needs to remove these accounts. I have attached file with circled payment history errors. They go reporting " 0k '' status for a few months then they go late 90,150, 180, 180,180,180. ( How can it be 180days late for 5 months straight ) it Then goes to ND ( no data is NOT proper reporting ) to " Ok '' status then again same late Cycle. These ca n't possibly be my accounts because I have not made any payments on these accounts so these accounts need to be removed.
I made a purchase in the XXXX. This was converted at an fx rate ( a poor one ). I was charged 1.5 % by the merchant and 2.7 % in administrative charges. When I queried this they could not explain what these charges were and refused to itmemise them or that they had in fact incurred them. When I asked to dispute this, they resisted and ultimately said I would have to dispute the complete charge as they are related. When I ask for details of their regulator, they refused to give it to me.
Back on XX/XX/XXXX I filed a complaint against XXXX XXXX for pulling my credit report without authorization on the following dates. ( Report File number XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX claimed to have authorization from XXXX  XXXX XXXX and would provide the proof of that authorization by XX/XX/XXXX. 
Today is XX/XX/XXXX and Neither XXXX XXXX XXXX or XXXX XXXX has provided any information. 
It has been well over the 30 days since XXXX XXXX could not confirm the credit pulls in a timely matter they have no choice but to remove those credit inquiries, XXXX XXXX is well familiar with the law as their supervisor explained to me via phone and in their previous responses. 
Refusing to delete the credit inquiries would be a willful refusal to follow regulation and the law.
My car was repossessed and I called my insurance to cancel my auto insurance. They did not cancel my policy and apparently continued to bill me. I never received any notice or bill from XXXX stating that they were still charging my policy until the collections notice appeared on my credit report. The charges should be removed and are invalid. I did not have possession of the car and I had already called XXXX to cancel my policy.
Bank Of America reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected t o (   XXXX   XXXX   XXXX   ).  I have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail. Bank of America shows on the report with the telephone  XXXX  and address of Bank of America  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loans ans not student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from bank of America Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my reports  ).  The credit bureaus were able to give me that information as well as date opened i n 2004. I woul d not have been  XXXX  in  2004. This  account  XXXX   XXXX  and Bank of America need to be removed for many reasons ans the most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.
I keep getting calls on my cell and at work from different numbers from " Allied Interstate '' for debts I do not owe. Most of the time when I answer, no one is there. Other times, eventually a person with a foreign accent starts asking for me by my first name on a " personal matter. '' One time after repeated calls I said " she 's not here right now '' and they hung up. They call several times a day in the early morning, afternoon, and evening on both numbers. In fact, they just called my cell at XXXX ( as they do EVERYDAY ) and then my work number at XXXX. Sometimes it is from the XXXX number. Other times it is from another number XXXX or XXXX. Please make them stop! Most people on the complaint websites say they are for student loans. I do have student loans but I have been paying them every single month, early, for the last several years. I have excellent standing with them. Others I have paid off years ago.
I have had trouble with depositing cash at PNC bank 's atms. 
I have a case number for reporting this on XXXX XXXX, and XXXX, 2016. 
case number is XXXX. 
I deposited {$25.00} on XXXX XXXX at XXXX XXXX and tried to deposit more, it kept spitting out the money. Today they gave me XXXX overdraft fees of {$36.00} each. When I just spoke to them, even if it would have taken all the cash, now their committing fraud again ( I was already in a class action law suit against them for accepting checks before deposits ). Now their trying to tell me that depositing the {$25.00} went after they let checks come through. 
I have the receipt to prove the balance at the time of the deposit. This is why there was a class action law suit against them. Their trying to tell me that after XXXX all cash deposits through the atms are for the next business day. I was told that all deposits are put in the account immediately. Not only did they not put the deposit in immediately, but they put the incoming checks in before the deposit. There is a law that they should follow, that the deposits coming in that business day go into the account before the incoming checks! 
I want the XXXX {$36.00} fees reversed ASAP.
Hi name is XXXX XXXX and I have been disputing with all three credit bureaus in regards to a Mark that is on my credit report that I find unfair reason being because I was not able to qualify for the company and the first place and I have a paper that says I was not able to even be approved for credit with the company and I have tried talking to the company as well as the associated company that's had sold me the device for the account that I'm speaking of and they are no longer even business the store had closed so I can not get a copy of the receipt I have a current copy from before but the ink has faded I don't know if there's any way to recover the ink from the receipt but I do have it and I do have the paper that states I do not qualify for credit with that company and I have show them to all of the credit bureaus and that account is still on my credit report and I don't understand why it's still on there when I didn't qualify in the first place as I said so I came to you too seek further help in regards to removing this from my credit report the company is called Diversified Consultants they are a collection agency and which XXXX has since my account that I had told you all that I don't qualify for to them but if you have any questions you can call me at XXXX XXXX thank you
I've given dates on when I will pay my debt and they continue to harass me with repeated phone calls. They don't care when you give them a date to pay because they will continue to harass you. Even when I've told them repeated that I would be making my payments through my bank 's bill payment system, they will still call you and harass you. I've also told them repeatedly that I do not want to opt for the payment help because they asked additional questions that I thought were not appropriate and yet they continue to call and push their unethical plan.
I have asked US Bank to immediately correct their credit reporting of Loan # XXXX and to stop sending me monthly bills and late notices. The Bank accepted a Deed-In-Lieu-of-Foreclosure which was completed on XXXX XXXX, 2015 yet they continue to send me a monthly bill for this property and continue to report an outstanding balance and late payments on my credit report IN OBVIOUS VIOLATION OF THE FAIR CREDIT REPORTING ACT. The Bank accepted the Deed-In-Lieu-of-Foreclosure and subsequently agreed to release my obligation but they continue to harass me endlessly with statements and reporting my credit incorrectly.
I took out a loan with XXXX XXXX in 2009 and have not received my MPN yet. I asked for it monthly for a while, and have maybe made 100 requests over the last seven years. Sometimes I 'm told by the person on the phone they see no such request. Sometimes I 'm told they do n't know why it was not sent. Sometimes I 'm told it was sent and I ask them to confirm my address and I 'm told there is no way of doing that.
XXXX XXXX bill paid by the XXXX XXXX at 100 %, I paid {$150.00} deductible at the time of service. {$1500.00} was a discount by the insurance company. Medical Financial are billing me for this amount.
XXXX XXXX XXXX, AFNI, XXXX XXXX, XXXX XXXX   ... 4 different company request demand same payment on account not mines VIOLATES '' FCBA AND FDCPA '' ... REMOVE, CLOSE AND DELETE FRAUD ACCOUNT FROM FILE ASAP
I asked XXXX XXXX not to call my phone they said I owed {$740.00} and I asked Portfolio recoverys to write me only letters they say that I owed {$400.00} in XXXX XXXX as well as XXXX XXXX saying i owe {$130.00} in a small loan, I asked all three companies not to call my job or my moms phone and my dad '' s phone, I also asked them not to call my job or my mom and dad '' s phone but they did anyway they also called me at XXXX,XXXX,XXXX, XXXX XXXX,XXXX,XXXX, XXXX XXXX XXXX I asked them to call me at a certain time but they still call me at different times..
Granite State Management and Resources erroneously submitted to my credit reporting agencies that I filled for bankruptcy and claimed my student loan accounts as those I could not pay. My account is up to date. My XXXX scores dropped XXXX points. I called and the customer service representative indicated it was an error that impacted " thousands of borrowers '' and that they were fixing the issue. She indicated they were not planning on notifying borrowers and I explicitly had to request a letter. I asked for free credit monitoring and they would not provide it. They said I had to keep an eye on it. They would not provide a reference number for my call.
Wells Fargo Home Mortgage continues to use the United States Postal Service to mail fraudulent statements to me, claiming I owe them over {$200000.00}. I never contracted with Wells Fargo Home Mortgage. They continue demanding unsubstantiated amounts, usually in the range of thousands of dollars at a time. I have written many times asking for verification of this alleged debt and have not received proof they are the holder in due course.
I got a letter from a collection agency saying that I owed a high a amount of money back. For what what I do n't know. I see that it was opened on XXXX XXXX. XXXX. Saying I owe for a loan for schooling within years that 's I never attended. I attended college in the year XXXX and finished. After i got my certificate I started working with my XXXX and never attended school after that. I never ever opened up or took any school loans out. So when I seen that this was for XXXX it set a red flag for me. Becauae I became pregnant in XXXX and I stopped work for a year. I do n't understand why I 'm getting this collection agency saying I owe money when I never attended school or anything for two years sense XXXX. I strongly feel this is wrong.
XX/XX/XXXX I signed up for a Citigold checking account from Citi Bank under a promotional offer of XXXX XXXX XXXX miles. XX/XX/XXXX I sent a secure message to confirm that I met all the promotional requirements for the sign up bonus of XXXX XXXX XXXX miles. A Citi Bank representative XX/XX/XXXX confirmed that I had met all the promotional requirements and should receive the XXXX XXXX miles by XX/XX/XXXX. To this day I still have not received the sign up bonus of XXXX miles from Citi bank. After my first call to Citi Bank XX/XX/XXXX asking why my miles had n't posted they said they would open an investigation. Which they did and I received a letter from Citi Bank stating that in their own investigation they concluded that I had met all promotional requirements and was eligible to receive the XXXX miles. The letter also said all I had to do was call in and add my XXXX XXXX Frequent Flyer number to my Citigold account in order to receive the miles. I have now called in three times to add my frequent flyer number and still have n't received my promotional sign up bonus of XXXX miles. This is extremely annoying since I signed up under the terms of this bonus and now Citi is going back on their offer. It is a complete scam or Citi is just completely inept.
I have a Paypal credit line ( formerly known as XXXX XXXX ) which is automatically linked to my Paypal online account. I began receiving calls from Paypal collection agency over the past week regarding a secondary account which I never opened. I have XXXX revolving account with them and it is the only account showing on my online Paypal member account. I asked for an explanation of how this account was opened. The representative advised me that the second account was opened under my name, however not my SSN. I advised I will not pay on a fraudulent account and asked for further information. Representative could not provide any further information and stated that they can merge the XXXX accounts leaving me with an additional {$370.00} balance ONLY after I make a payment on the fraudulent account. Advised them that I will not pay anything as there is no record of this second account and I did not open it. The SSN used for the account is not mine and the company allowed someone else to open an additional account under my name. I would like this account to be closed and my name completely removed from it.
on XXXX-18 I was informed that there was a breach in equifax system and all my information was released to the public and it wiped out my credit report and score and they have made no attempt to fix it or inform me of any updates concerning the situation.
My home mortgage is with Wells Fargo ; they sent me a letter in XXXX that they had transferred the Servicing of my mortgage to another company, XXXX XXXX XXXX, and that I was to begin paying my monthly mortgage payments to them starting on XX/XX/2018. They stated in their letter that I would shortly receive a Welcome Letter from this new servicing company, providing me with all of their contact info, their website, my new account number, and all of their information regarding the current status of my mortgage, including my escrow balance, escrow payments, interest charged, existing monthly payments, etc. 

I have still not received any Welcome Latter from this new servicing company ; I have called them a number of times and each time, until the last call to them yesterday, after holding for a rep for 5 to 10 minutes, each time I was disconnected! Finally, I was able to speak to a rep and asked why I had not received a Welcome Latter so I could pay my XX/XX/XXXX payment ; I was told my Welcome Letter had been sent out to me, so I asked the date it was sent since I have not received any mail correspondence from them, and the rep told me he had no idea when it might have been mailed and hung up on me. 

At that point I called Wells Fargo Home Mortgage, spoke to a rep and told him I had received not Welcome Letter or any other mail information from this new servicing company that I am supposed to pay starting XX/XX/2018, and the Wells Fargo rep told me they no longer service my mortgage account and hung up on me!!! 

I then tried to access my Wells Fargo Home Mortgage account online that I have used for quite some time, and I was not able to log on using my existing username and password. 

It seems that Wells Fargo and this new alleged servicing company is contriving to make me be in arrears so they can either charge m continuing late fees for my mortgage payments or to foreclose on my home due to non-payment!!! 

I am very concerned that all of my information from my long relationship with Wells Fargo Home Mortgage, including payments, interest paid, escrow balance and payment information, etc. has bee lost or somehow made unavailable to me. 

I want all of my past mortgage payment, charges, escrow, taxes information available to me immediately, and I want the agency to help me ensure that this new servicing company and Wells Fargo, since Wells Fargo is so well known for cheating it's customers, is not going to try to collect late fees for payments not made, or to foreclose on my home because of their inability to provide me with my account information so I can easily and with confidence pay my mortgage payment monthly, on an ongoing basis. 

At this point, I have absolutely no confidence in any of my requests with either Wells Fargo Home Mortgage or this new alleged serving company, XXXX XXXX XXXX XXXX. 

I respectively ask for you help with this ; I am almost XXXX years old and am fearful of what I see going on with my mortgage servicing. I tried two more times to call the company and still haven't got a response from them. I can't make a payment because Wells Fargo said if I did they will just return it Sincerely,
I took a car loan. Out with wells Fargo dealer srvs, in XXXX, i I 've stoped getting statements from them in XXXX still made payments then they charged me for insurance starring I had none I did have ins, in time I sent them my ins, info showing I had ins, try refused to accept charging me XXXX for in ins, i pleaded with them nothing happens them in XXXX of XXXX I fshowed XXXX.left on the loan in XXXX of XXXX they defaulted my loan showing I owed XXXX.on it which is not true.called them several times to resolve this issue no results .sent letter to attorney General of Mn they sent letters four times no reply.they wells fargo, went and put on my credit report I defaulted on my loan I never missed a payment, they stopedreporting to the credit bureaus in XXXX show I am not marking payments wi c h is false, aim still marking payments on this loan, they owe me money there not will I Mn g to accept there mistakes, I 've asked. For a audit on this loan they refuse.where can I get the help I need to stop this problem with wells Fargo Dealer seves, i feel there should be a law suit filled for there XXXX
I asked for a copy of the agreement or contract that has my signature on it that authorizes the bank to collect this debt. Under the FDCPA I have the right to have my alleged debt validated. They did not provide me with that information and it has been over 45 days or more. This Debt is not mine and should be removed from my credit.