WillisBack/dataset-financial-user-claim huggingface dataset:
I have my home mortgage with Suntrust Mortgage Acct # XXXX. Name : XXXX XXXX XXXX. On XXXX/XXXX/15, a very large tree fell on my house during a storm. The insurance adjuster came out, the next day, took pictures, said it was a total loss. I signed a form for him to get the payoff from Suntrust, the insurance was just enough to pay off the loan. He told me to call them, give them his name the claim #, etc, and let them know it would take 3-4 weeks and explain that I could not make a payment because I needed all my available funds to find a new place for my family of XXXX to live. I did that. A few days later, they started calling me. Every day I explained the situation to them, told them the insurance company was going to pay it off. Yet they still called everyday to harass me. On XXXX/XXXX/15 I went to the bank and showed the branch manager the pictures and explained everything to her and she tried to get a manager in the mortgage department to stop the calls, also. Today, a girl named XXXX called again telling me I needed to make a payment. I thought once you told them to stop calling you, they could only contact you by mail. I have enough stress, trying to put a roof over our heads and get beds to sleep in, I do n't need them harassing me to make a payment.
To whom it may concern, I, ( XXXX Brown XXXX, Currently do not dispute my ( Navient Student Loans ) either as reported on my credit report or directly with the creditor. I request that the indication of a dispute and all comments in the comment section is removed from my report. I am trying to close on my home and need this done ASAP. 


Thank you, XXXX XXXX
I reached out to the company in regards to refunding my account for all the payment they received after I called and advised them that I no longer needed Credit Protection on my account. I called there Customer Service Department and requested that they end/ stop the Service on XX/XX/XXXX. Due to my XXXX XXXX and medication I'm on for XXXX   XXXX  they were still taking my money for Credit Protection. Upon XX/XX/XXXX, they finally stop but didn't refund my account of all the fees they received and the additional interest that I accrued due to the balance. I didn't know and understand that more then 60 % of my monthly payment was being applied for fees.
On XXXX2018 received a response from CFPB ON a TransUnion dispute complaint. Case # XXXX. Trans Union since then has dropped my scores for unknown reasons in just two days as of XXXX2018. From XXXX to XXXX in two days. How is this possible? I have not applied for any loans, no collections or nothing. Decreased because I reported to the CFPB? Am I being punished? I have rights to dispute my credit file. Why did I get punished. My employer has brought to my attention the decrease and may lose my job. I have two weeks to get my status where it was or else I will lose my employment. This seems like a game and these credit bereaus are hurting the American people.
I filed a Statement of Fraud with Macys Department Store by fax  XX/XX/XXXX  after I discovered a theft on my account ending in  XXXX . I reported the card lost or stolen and a replacement card was issued. However, the minute I reported the theft in XX/XX/XXXX  Macys took all of the statements off the website for the account ending in  XXXX . I waited three months to receive them by mail meanwhile Macys wrote to me and threatened collections. The Macys Card stopped reporting with all  XXXX  credit bureaus, The Statement of Fraud included the following charges  XX/XX/XXXX   XXXX   XXXX  merchandise not mine XX/XX/XXXX  Macys.com  XXXX  returned XX/XX/XXXX Macys.com   XXXX   returned  XX/XX/XXXX  Balance Transfer from Acct ending in   XXXX     XXXX  *Note : Erroneous and Fraudulent Charges for the  XX/XX/XXXX Statement Duplicated in  XX/XX/XXXX . I can no longer obtain the statements on the website for the corrupted account ending in  XXXX .
A police report was filed. I have made numerous phone calls, written emails and faxed letters. Macys Fraud Division has ignored my request for credit of all the above referenced charges and they have transferred a corrupted balance from the card reported stolen to my new account.
Further I used my   XXXX   XXXX   XXXX   card on  XX/XX/XXXX to participate in a Macys.com 50-70 % MORE Sale. The order I authorized for  XXXX  on  XX/XX/XXXX  changed without my knowledge and consent to  XXXX . In addition to this failure of Macys to honor their sale each of the items in the order was separated and charged to the   XXXX   XXXX   XXXX   card twice, once before each item shipped and then again a ( 2nd ) second time during delivery. Fraudulent Charges on the   XXXX   XXXX   XXXX   card  XXXX  in XX/XX/XXXX . I can see why my Macys Store account is having problems.
I can not even begin to express to you how overly burdensome the problem with Macys has become in my household.
I have waited well over the statutory requirement for resolution of this theft and am seeking assistance now from your agency. Thank you.in advance for your courtesy and cooperation.
XXXX XXXX my husband signed a contract with XXXX for phone, internet and television service. At the end of the contract we returned all of the equipment in person and paid the balance of {$150.00}. We had received several Debt Collectors letter to pay the same amount. Unfortunately, those letters I shred because we went to XXXX and spoke with XXXX of the employees who checked and saw that we did not owe anything. I even called at another time and spoke to a female supervisor who apologized and said this will not happen again. So I took her word and destroyed the letters.The last time I went to XXXX office was XXXX/XXXX/XXXX after I received another letter from XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX. I spoke with a XXXX XXXX and she told me everything was paid up and that she will inform her supervisor and that we should n't be receiving any more letters. Yea, right. I have another later dated XXXX/XXXX/XXXX from Convergent Outsourcing, Inc. still claiming {$150.00} on behalf of XXXX. My husband is a sick man and we are tired of this harassment. There were different times they threatened that they will disconnect our service. Since the contract expired we have not used XXXX because we have another service provider. Please help.
XX/XX/XXXX I have requested for several years for Transunion to correct long standing errors on my personal credit profile relating to my XXXX XXXX XXXX credit card. Transunion has refused to do anything at all. I have filed a requests for them to investigate and make changes in the past. They have done nothing to fix the errors. As a result of, my credit has been negatively effected by their lack of action. I have had a XXXX XXXX XXXX credit card since XXXX that has ALWAYS been in good standing. Both XXXX and XXXX are reporting it, every month. Transunion refuses to acknowledge the account. I have written, I have called so many times its ridiculous. I have escalated the issue to supervisors and today to a person named XXXX XXXX. She said she worked in the " Special Handling department ''. XXXX told me she could do nothing if I didn't have my bk paper work from XXXX showing the account was not part of my BK. The only other thing she said was that it may be possible for them to make changes if I called and had XXXX XXXX XXXX use and XXXX verification process. So I called again. XXXX XXXX XXXX has no idea what XXXX is. So put this is perspective. I have spent 100 's and 100 's of hours. Years and years trying to help Transunion make the proper correction to my personal account information. Again today I called again and provided the entire 16 digit account number associated with the account and provided the current billing information. Again I was told they could do nothing. I have called, written both Transunion and XXXX XXXX XXXX multiple times. At least XXXX XXXX XXXX  tries to do something. Unfortunately nothing has worked XXXX XXXX XXXX Made yet another request for transunion to update and report the account. They tried a couple of weeks ago. I received a letter from XXXX XXXX XXXX  dated XX/XX/XXXX stating that Transunion would not update they account because they say the account has been off my credit report for 7 years. So again I call Transunion and again they tell me there is nothing they can do to help even though its reported on by the other Professional credit agencies. 

I called XXXX XXXX XXXX again today and they have again requested Transunion update the information to be accurate and correct. Transunion so called managers and special handling department people have been far les than helpful, there treatment to me is almost criminal. Its definitely cost me money. To look at the hours and money it has cost me is simply terrible. Should I consult an attorney at this point? I have spent months, years and hours upon hours trying to help them fix their own problem and errors. I think it may just be time to be litigious.
For the last month or so I get repeated calls from various numbers looking for someone else. I have told them repeatedly I am not the person for whom they're looking, recently resorting to not very polite language. How can I get them to cease and desist. The company is American Express.
I have become aware I am a victim of identity theft in the last few months. I 've notified creditors in writing, I 've asked Equifax on more than one occasion to send related documents to creditors supporting my claim and it 's getting quite ridiculous. At this point the creditors should automatically delete accounts related to identity theft or if the creditors are being uncooperative Equifax should block/delete the accounts on behalf of the consumers claim according to the laws laid out in the Fair Credit Reporting Act. There is still inaccurate false items being reported to the Equifax Credit bureau. I have exhausted myself to try to have the inaccurate, incorrect information removed from my credit file, however Equifax keeps sending me letters saying the information has been verified as belonging to me. Enclosed in this complaint will be screenshots of correspondence with Equifax. OnXX/XX/XXXX I receive a notice from Equifax saying that the address XXXX XXXX XXXX in XXXX, Georgia XXXX has been deleted from my report. And then betweenXX/XX/XXXX and XX/XX/XXXX I received a notice from the credit bureau that there has been a change to my credit report and the address XXXX XXXX XXXX in XXXX, Georgia XXXX was supposedly reported by " one of my creditors '' as a recent address. At the same time XXXX XXXX was apparently deleted but still showing up. Now mind you, I have never lived/resided/got mail at XXXX XXXX XXXX in XXXX, Georgia. 
It does n't take a rocket scientist to figure out what is going on. The creditors in dispute are trying to verify the accounts as belonging to me by having identifying information such as an address that I have never lived at. This then gets the wrong address reported to my credit file so the creditors may verify the address as belonging to me so they do n't have to delete the inaccurate account information appearing in my credit file. This should be crystal clear to Equifax and they should delete the inaccurate credit accounts on my file that I have disputed more than once. The inaccurate credit accounts are XXXX XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX. Please remove these accounts at the soonest time possible.
I had a boat loan with M & T bank and was making on time payments. I received a letter from them stating the loan had matured XX/XX/XXXX and I owed a Principle balance of XXXX and late payments of about {$2700.00}. They never sent me anything previously and I was making on time payments at the time payments that they were stealing them and putting towards the late payments. Because they stated I could no longer make payments, I had to pay the balance off. This caused the 60 delinquency which shows on my credit report for XX/XX/XXXX and XX/XX/XXXX. Further, they refused to let me pay off the principle of {$820.00}, stating they would take nothing but the full amount, principle and late fee, which I had disputed several times and do not agree with. They forced me to make a deal to pay off the principle and half the late fee or else they would continue to report this as delinquent every month. Again, I was making on time payments and have no idea how they could say the loan matured and force me to pay not only the principle but late fees I do not believe I owe.Please find the bill they sent me XX/XX/XXXX which only had the principle on it and find the release which is dated in XX/XX/XXXX, but they state I made no payment that month even though I paid them {$2100.00}, much of it that I do not feel I owed. I only paid it because they threatened me with continuing late payment charges, late payment reporting to the credit bureaus and then repossessing the boat. All threats they made to me and told me my only option was to settle the account.
I have contacted equifax credit reporting a few times requesting that they please report my XXXX/XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my equifax credit score. I was told I need to contact XXXX and have them report it to equifax. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to equifax. I could not get any help. I called back equifax and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my equifax credit report.
I have a credit card with Capital One and they abruptly suspended the usage on my credit card due to suspected fraud from me. I submitted my license and verified my identity and they still have restrictions on my account.
TransUnion Is the only credit reporting agency reporting an old student loan debt reference number XXXX. It is being reported as a tax lien satisfied with XXXX dates on the account. XXXX date says XX/XX/XXXX, the other says XX/XX/XXXX. This student loan was first reported deliquent in XX/XX/XXXX, which means it was eight years ago! By law this should be removed. I tried mailing a request to remove based on statue of limitatiions for reporting. And the response from TransUnion was simply, that they checked and account was verified as being mine?
I was forced to do a Short-Sale of my home by GreenTree Mortgage Servicing which is now Di-tech by misleading practices. I was given 90 days to do my short sale per our agreement. After the sale my home within that time it shows that I was 90 days late by Di-tech. I have tried to resolve this issue with them and they have ignored my request. I have also disputed the item with all 3 credit bureaus but no change. Attached is the letter from CFPB proving the mishandling of accounts and fraudulent activity by GreenTree. I would like this item removed from all 3 credit bureaus as it is affecting my credit score and it should not be there in the first place.
I paid flying travelus {$970.00} using my PayPal credit card on XX/XX/XXXX for a travel ticket to XXXX from XX/XX/XXXX and returning on XX/XX/XXXX. I didn't get the ticket and I contacted the agent and I was told that PayPal refused to pay them. 
The agent gave me a XXXX XXXXXXXX XXXX account to make a deposit of {$950.00} into their bank account on XX/XX/XXXX. After, making the deposit, the agent didn't deliver on our agreement. After 7 days of constant calling to the agent, he sent me a XXXX airline ticket that was later cancelled the next day. I contacted PayPal on XX/XX/2017 and told them to cancel the transaction because the seller couldn't deliver on our agreement. 
I received a letter from PayPal that they would need more evidence because the seller submitted evidence that he delivered the transaction. I sent the cancelled XXXX airline ticket to PayPal plus other fake tickets that the seller sent to me and a Bank slip that I later deposited the cash to the sellers company 's account at XXXX   XXXX XXXX in XXXX XXXX, NY. 
I received a second email from PayPal that they would deny my claim because they could not find any misrepresentation with the seller. I called them and asked them to contact delta airline if they would like to know if I am telling them the truth. I was told to submit a police report after I told them that I had reported it to the XXXX first precinct. 
I sent PayPal the police report plus the fake ticket and my new purchased ticket on XX/XX/2017 before I travelled to XXXX on XX/XX/XXXX. I got an email from XXXX on XX/XX/XXXX while I was still in XXXX for my wedding that they are denying my claim after their investigation because they do not see any misrepresentation with the transaction. 
I can not understand what they mean after all the evidences plus police report instead they went ahead and released payment to the seller for a transaction that they didn't deliver plus i had already deposited the money to therheir bank account for the same transaction. Now, PayPal is expecting me to pay for a transaction that I didn't receive plus I had lost {$950.00} by making the deposit into their XXXX XXXXXXXX XXXX account and now {$970.00} for PayPal. The claim number is XXXX with PayPal.
I have never had account with this company! Called XXXX XXXX XXXX. Ive never giving them my personal information, such as address, phone number. My date of birth .. this company has called me threatening me, access my credit report without my permission to report a account that isnt mine nor have I ever open account with them. I am asking for documentation with poof, to how they are verifying that this debt belongs to me saying this account is mine? Ive had my credit report locked with XXXX. Still they where able to access my personal information. I have gave no permission to .. calling me, harassing me, I am asking for this account to be deleted off my credit report..
my Morgage company ( XXXX ) changed service company to Roundpoint morgage services company. The electronics payments still went to the former service agent for three payments. XXXX and there agent were listing me as default, and charging me late fees and threatening foreclosure. I worked with my Bank, proved that all the payments were made after 7 phone calls and two years with promises to correct this, and the fact the the prior servicing agent sent two of the three payments to Roundpoint, and the fact that I have reconciled receipts, they are still charging me late fees, and not crediting the third payment.
I am receiving continuing calls from agencies about astronomically high credit card bills I never made. Representatives are continually calling me all times of the early morning, noon and late night, including Saturdays and Sundays. When asked to stop harassing me, they ignore my request, and if I block their number, they call from a different number.
XXXX XXXX has tried getting a loan modification review completed with XXXX XXXX help for almost a year near. I 've been assisting her since the beginning and been using the Caliber email to submit all docs. In XX/XX/XXXX, they requested 30 days updated paystubs. XXXX XXXX sent those thru email on XX/XX/XXXX.  Then they said the file was " complete. '' Then they said that they needed another bank statement for XX/XX/XXXX-XX/XX/XXXX. We also provided that thru email XX/XX/XXXX.  Then they said they needed clarification on paystub, and we provided it XX/XX/XXXX. Then I asked for status update on XX/XX/XXXX and did n't hear back. I emailed them again on XX/XX/XXXX about this. And then again on XX/XX/XXXX. Then on XX/XX/XXXX I called them again and heard that the only thing they need is the letter of explanation she wrote just needs a signature ( which it had her name just left out a signature ), and then it will go to underwriting. I sent this over XX/XX/XXXX because I was out sick and out of office on Monday/Tuesday XX/XX/XXXX and XX/XX/XXXX. That means I only had ONE business day to get this in before they closed file since they told me that they closed it on XX/XX/XXXX! I  've been communicating with Caliber since the beginning and was NEVER told that the file was going to close if we did n't get it in by XX/XX/XXXX?? I actually have never been told ANY deadlines since the beginning of working with them. I am escalating for this reason. 

FYI : I have also many times tried to get status updates, but instead wait on hold for 30 minutes, and hang up because I ca n't get thru. It 's been very frustrating.
XXXX XXXX SOLD MY ZOMBIE DEBT TO XXXX XXXX XXXX, XXXX AND THEY SOLD IT TO XXXX XXXX XXXX AFTER THE S.O.L. EXPIRED AND WENT ON CREDIT REPORT DURING WHICH TIME WE ARE BUYING A CAR. 
THEY FAILED TO SEND VALIDATION LETTER AND ALL PARTIES ARE IN VIOLATION OF THE DODD-FRANK ACT. 

SEE ATTACHED.. 

E-MAIL TO SETTLE OUT SIDE COURT IS ( XXXX )
someone called looking for me and said they were leaving a private message.and I should call this number if it is in error. XXXX XXXX XXXX. The body of the message said " This is Financial Corp of America attempting to collect a debt. " I do n't owe anyone anything. The number then left was XXXX, which is the number recorded on my caller id with a name of " unavailable ''. Furthermore I have n't received anything in writing.
i had a pay day loan with a company called loan me. the interest rate was 200 % because of my poor credit rating. i borrowed {$2500.00}. i had paid over {$3000.00} back on the loan then was not working for a period of time and the loan went to a collection agency. i got repeated phone calls from the agency ( XXXX XXXX XXXX ) stating that if i did not contact them that they would notify law enforcement. they also contacted my wife, sisters in laws, brother in laws, parents and even friends of friends. i finally called them back and told them to remove all phone numbers and stop contacting everyone except myself however even after that phone call they still continued to call. when i called them back to complain they again stated that if i did not come up with a way to pay back the debt they would persue legal action against me. i told them i could not pay back the full amount in a one lump sum of over {$8000.00}. I said i could do bi monthly payments in which i am paying now at {$500.00} every two weeks. however i only agreed to pay because of the threats for legal action. they also told that to all the friends of mine they called that if I didnt contact them then legal action would be taking. i feel this is a violation of my rights and feel they were in the wrong for contacting people other than myself the only person on the original loan. i feel i should not have to pay any of the remaining debt due to the harassment
My complaint is in regards to inaccurate information in my credit report. I am a victim of medical identity theft. Someone have obtained medical services using my name. The health record that XXXX maintains about me is include information that is wrong and actually about someone else. I have contacted XXXX and they have removed that information. I am working to identify the effects of the medical identity theft and remove inaccurate information from my file. I have reported the problem to the police, filed an ftc identity theft report and mailed copies of my ID and SSN to Equifax fraud dept. When i tried to get in touch with someone over the phone about my problem, I was only convinced to buy a monitoring product that will resolve my problem. Equifax recently updated the account as verified. After receiving and reviewing the results of recent disputes sent to you. 

I have contacted XXXX again and they do not have record of any debt.So i am not sure what method Equifax is using to validate the debt. It seem they just want to give me the run around. I have file a police report and FTC identity theft report and did n't have any issue removing it from other credit bureau. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information