WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by Professional Finance Company , Inc. in XX/XX/XXXX stating that they were attempting to collect a debt for the XXXX. I asked PFC to provide me a reference account number, any possible verification of the debt they claimed I owed, because I had never received any communication in writing or verbally regarding this claim. All I was informed of was that they were unable to provide any information validating the " amount owed '' and that it was from the year XX/XX/XXXX. I immediately contacted the original creditor, XXXX and had the amount paid in full and my account put back in good standing. In XX/XX/XXXX, Professional Finance Company , Inc. reported the CLOSED, PAID IN FULL amount to the credit bureaus without any attempts to contact me. In addition, This debt was never owed to them. Now my credit report reflects inaccurate information. I demand that this be removed from my credit report immediately, I have filed a dispute with XXXX to have the inquiry removed. This is false, inaccurate information being reflected on my Credit Report. The debt was already paid and was never owed to Professional Finance Company , Inc .
My Chase Checking and Saving accounts were closed on XX/XX/XXXX. I called and inquired about the {$25.00} I used to open the checking account, and the {$25.00} I used to open the Savings account. I was told that the money was taken out of my accounts on the XXXX and mailed to me. I called this week to inquire as to why I had not received them yet. Now I am being told that the money was never sent to me, because they are having issues verifying the checks I used to open the accounts. I never used any checks. I opened the accounts online and used my debit card to do so. The money was taken out of my account in two separate transactions on XX/XX/XXXX. I was never given an explanation to why my accounts were closed, I was blocked from all online access ( including my car payments and separate credit cards! ), I was lied to and told my money was mailed to me on XX/XX/XXXX, and now over 2 weeks  later I ask about the money again and I'm told it was never sent to me. This is absolutely ridiculous the treatment I have received from this bank. I want the {$50.00} that I wasted opening my accounts with this bank.
As of XXXX XXXX of my checking accounts had a balance of $ XXXX XXXX a XXXX XXXX debited {$18.00} from that account leaving a balance of negative {$15.00}. The same day, after work at about XXXX, I went directly to a TD Bank ATM and deposited enough cash ( {$16.00} ) to cover the negative balance. I received a receipt dated XXXX with a current and available balance of {$0.00}. 

The following day I checked my account to find that:1. TD Bank assessed a {$35.00} overdraft fee2. TD Bank returned the XXXX transaction ( as if it had not been covered by the deposit ) 3. TD Bank dated the cash deposit XXXX not XXXX despite it being just $ XXXXMy understanding of TD Bank 's own funds availability policy is that any deposit made before XXXX will be credited the same day, and any deposit made after XXXX will be credited the following day. However, the policy also clearly states that the first {$100.00} of the deposit will be " made immediately available ''. And that was reflected on my receipt dated XXXX where the deposit was applied toward the account balance. However, TD Bank 's actions on XXXX suggest otherwise.
This summer, the XXXX payment of around {$800.00} dollars on an approximately {$38000.00} mortgage was apparently late because the property management company had a glitch in their system and I was unaware it was going to be late. No one from Freedom notified me one bit. 

1. Although Freedom repeatedly asks me for multiple phone numbers, they did n't call either the second or third ones when a payment glitch occurred and a payment was being received late. I now have relatively trashed credit ( XXXX to XXXX and now to XXXX ) due to this failure of Freedom Mortgage to either contact me or remove the bad mark from my credit. My unfixed credit bad mark is the main complaint here. A tiny little loan balance, a failure to notify me properly, and my credit is totally trashed by Freedom Mortgage. 

2. Second problem is : I also asked for a clear emailed reponse to the inquiry and never got one. 

3. Third problem is that Freedom Mortgage sends me junk mail solicitations and I 've asked more than once for them not to do so. Just got another letter soliciting a second mortgage from me today. 

I do not trust this company at all. I have had three ( 3 ) mortgages with perfect records for many years. The company has standard hold times of 9-10 minutes, today again. They do not care about me as a great customer with multiple mortgages with them. I 'm shocked to be treated with this kind of disrespect as to both not call me at the numbers and then subsequently to not help fix the issue or accept any responsibility for it. Freedom Mortgage is the worst of the worst companies I 've dealt with as a person who has had many mortgages on homes, both primary and rental properties. 

Ask yourself if you want to have a mortgage company who takes all your information so they can use that information to contact you if there 's a problem ... of course you do. Freedom Mortgage wants all this information from you so they can solicit you to the max. That 's why they want three phone numbers of yours. Freedom Mortgage 's high level managers and/or board ought to be embarrassed at this style of business. 

The attached paperwork to this complaint confirms even their own employee ( s ) agree with the wrongdoing that has been done here. Unfortunately they are only the " heat shield '' good people that do n't make the greedy policies clearly evidenced by this situation. 

Good luck with asking for information ... this company has you " talk to the hand '' as much as any that ever existed. Go with a mortgage company who cares about you and your situation. Business is a two-way street of respect. Avoid Freedom Mortgage on your next loan purchase or refinance. I 've given up after Freedom Mortages standard " 10 min average wait times ''. I 've called about 5-8 times and done by best.
XXXX   XXXX    XXXX   XXXX   XXXX   i have called varies times sinc e 2015 i have sent letters and they will say i will get imformation on mail two years now im still waiting for an answer. never give then my authorization or consent to checck or a pply for mortgage on my behalf. this credit inquiry is damaging my credit rating. please have them provide full documentation regarding the circunstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the fair credit reporting act. also since i did not ask them to do such thing and i been waiting all this time i demand for them to remove it the offending inquiry at once.   XXXX  thanks for your assistance  XXXX
My home was flooded twice ( XXXX and XXXX 2016 in which I asked XXXX for their assistance. I wanted help to make my payment and to avoid any derogatory information placed on my credit report. On XXXX XXXX, I called XXXX for assistance again so I could finish paying contractors to more back into my home. XXXX told me to pay XXXX and the next payment would be due XX/XX/2016 but I only had XXXX to spare. I asked several times would it affect my credit report because hey were mainly concern about the payment and not the customer. I made another payment in this manner and XXXX did not report a derogatory credit information. The payment was n't 30 days late yet which is why I continued with making the payment arrangement. If you are past due 1 day the robocalls start and they will call 8 - 10 times a day. Now I can not get a loan to finish repairing my home. DEAL WITH XXXX AT YOUR ON RISK!
On XXXX XXXX I qualified for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ - Program, and was supposed to be in this program for the following 3 years, with the option of getting a modification on my mortgage as soon as my financial situation change for the better. The program assigned an amount of {$38000.00} for my mortgage payments which was managed and disbursed by XXXX XXXX XXXX XXXX. XXXX made the payments directly to my mortgage bank XXXX, in the amount of {$1600.00} and I was advised to send a monthly payment in the amount of {$180.00} to XXXX XXXX. In or around XXXX XXXX XXXX sold my mortgage to Nationstar Mortgage Acct. By around XXXX XXXX I contacted Nationstar and communicate my desire to restructure my loan and to keep my property, in return Nationstar sent and individual to evicted me from my home, furthermore nationstar sent me documents offering cash for keys in the amount of {$3500.00} so I could re-locate, but this offer was never honored. I tried multiple vias to solve my situation and keep my property to no avail. By XXXX XXXX, XXXX I was out of my property afraid that I was going to be destitute, but no representing Nationstar ever showed up to get the house keys and full fill their cash for keys promise. My calls were never answer or return and my belongings were on its way to the other side of the country. By XXXX XXXX I started receiving calls from nationstar saying that the property was still mine. Short story, Nationstar Auction my home in XXXX and in XXXX XXXX I received a letter from nationstar stating that they were sorry for their mistake with no explanation of what happened or offer to compensate for their ineptitude and lack of professionalism
Call after I seen it on my report and have yet to hear a response about how the debt is not mine and I had no dealing with this company
I am beginning to receive calls at my current place of employment for a home that foreclosed while I was married. In my divorce the judge ordered my husband responsible for ALL marital debt. This was a marital debt and he is responsible per the XXXX County Courts, 3 years ago! The calls have just started coming and they are very persistent! What am I to do. You can not drain blood from a turnip. I am a single mother of XXXX and care for my XXXX mother. Please help make it stop!
Suntrust refused to honor a stop payment and in doing so, hundreds of dollars in overdraft and NFS fees accrued. 

The bank refuses to acknowledge their error and refund the fees. 

I am only asking for the refund of fees lost due to their error. 

Thank you XXXX XXXX, DDS
I bought my first house in Florida after graduating from college and securing a job. I settled down and had a family. Then, my job relocated me out of state. The housing market crashed. I had a high interest rate XXXX % and was severely 'under water ' and I could not refinance. I submitted several hardship requests to the bank asking for help with little help. I held on for the property for over 5 years and consecutively lost money every month. 
My husband lost his job and my son had health problems. I could no longer afford to lose money on a XXXX residence that I finally put the house up for sale. I bought the house for $ XXXX and sadly could only sell the property for $ XXXX. 
Before finalizing the short sale, I worked with BBVA Compass where I would pay $ XXXX of the short sale. I never received a bill or statement so I sent in a check to the normal address for mortgage billing. My check was returned with the response of 'account has been closed '. I called in several times to only get a voicemail and my calls were never returned. 
A few months later a debt collection company reached out to me with a XXXX bill. I did n't have that much money. We negotiated a {$2.00} settlement to cover the whole outstanding balance with Compass Bank. The next month I was served with court papers. I immediately hired a lawyer. I was never notified of my court date and now I had a judgment of the full balance ~ $ XXXX. 
I tried working with Compass Bank continuously since the judgment date ( XX/XX/XXXX ). Their legal team was not aware of the $ XXXX settlement paperwork. I 'm trying to get them to work with me and they refuse and want to play games. For example, they offered me a settlement option at $ XXXX XXXX 2015. I tried to accept the offer later in the year ( after securing enough $ $ ) and now they wo n't accept that offer. They continue to garnish my bank accounts and cause emotional distress to family. Their greed and business practices are disappointing and unethical. I want to terminate my relationship with this company and move forward but they will not make any counter offers or strive to make an attempt to resolve this issue. 
I 've tried requesting help from governmental agencies with no luck. There are a lot of programs available but because the loan was not underwritten by XXXX XXXX or XXXX I have n't qualified. Please help!! 
Respectfully, CBK
Back in XX/XX/XXXX I leased a Honda I paid the payments on time & returned it in XX/XX/XXXX, its now on my credit report & has me owing {$5200.00} I reached out to all 3 credit bureaus & advised them of the inaccurate information, XXXX Removed this account & few months later its back on my report
I would like to publicly say that I am terribly offended by Toyota Financial throwing every misleading fact in my face. I received their recent response regarding my more recent compliant and it seems that they are A ) denying that I had any sort of problems with their electronic payment system JUST because they had no " widespread issues ''. That is awful because I ACTUALLY did have issues sending out my payment and the same error was happening on my app. I don't appreciate being quoted generic regulations and rules when I do not believe the company is being transparent with me or the CFPB. I never selected to remove my banking information and get off of autopay ... why is THAT not being investigated? i can not understand why that happened. They want to make me feel like the only responsible party but why can't they understand that electronic error can occur too. I have been a great customer and this is ridiculous. 
B ) The only calls I was getting was from their agents attempting to get me to buy a new car and telling me that with my exceptional credit history I can get a new car and not pay end-of-leasae fees and so I asked you give me time and they set me up on an extension, month to month lease ... whatever they are claiming for XXXX and XXXX was during that interim phase where I had NO CLUE what I was supposed to do because they had damaged my CREDIT. My lease contract was up so why was I not instructed and given a contract for the extension so I know what is due and when? without a contract and anything in stone Toyota can not keep throwing lies in my face. Their agents who call are so greedy and so busy trying to convince consumers to get a new car, fall under more debt and are lied to and told the sooner we decide the better for us that they actually dont care that they are single handedly DAMAGING our credit in the mean time! Is it not ironic that the months you called me to convince me to get a new car you ruined my financial life? Honestly, XXXX/XXXX  were not my fault, do not throw it on me. you say I got this call and that call but why dont you be honest and say WHY you were calling me? Not to tell me my autopay was disabled and that my payment didn't post, your company was calling me to solicit a new car. I do not understand why and how the autopay was removed and I do not understand why you won't release my calls to government agents here at CFPB?
XXXX XXXX has hired Stenger & Stenger to collect an old debt from me. I was served with a civil warrant on XX/XX/XXXX with a court date set for XX/XX/XXXX and the warrant was created on XX/XX/2018. I was served 11 days before the court date and my options when I called were ( 1 ) to pay the whole amount of {$520.00}, ( 2 ) pay in installments with a 40 % increase to the amount ( " {$210.00} for costs of suit '' ), ( 3 ) go to court. It's my opinion that 11 days was not enough time to come up with the funds. Seems like they are trying to get more money from me with the sense of urgency as I can not just come up with the full amount in 6 business days and don't want to go to court. I told them I had no other choice and would do the instalments. When I received the instalment contract 2 weeks later in the mail, I was surprised to learn that there was going to be 7 % interest on the payoff amount, which was not disclosed to me in the initial conversation. I called the court to find out any other information and they said there was not a suit filed. I called Stenger & Stenger back to ask about the interest and to see if there was a way to waive the " costs of suit '' fee as there was not a suit filed. The response I received was " These terms have been set by the court '' and they would not discuss it further. The account was closed over 8 years ago. Is there not a time limit to collect on accounts like this?
On XXXX/XXXX/16 at approximately XXXX a debt collector representing XXXX calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.
Hello, My complaint is against XXXX when I tried to apply for an XXXX XXXX  XXXX Credit Card. 

I had previously applied for this card a couple of months ago and was not approved due to high balances and to many credit cards etc. 

I called them on XX/XX/XXXX to see about having them rerun my application since I had recently paid off my credit cards. When I was on the phone I was asked a lot of questions that I was more than happy to answer for the agent. I had informed the agent that I should be approved now since my cards were paid off and that I had a FICO score off XXXX. The agent informed me that indeed it look like my credit was getting better and I had a high FICO. However, at this time she was not able to issue me a new credit card. 
At this time, I was really upset since I told her that her company sent me the offer to apply for the credit card in the first place. I really feel the only reason I didnt get this card was because of my last name of XXXX. 

I normally wont waste my time on this issue however, this is just not right at this time. 
I am attaching the decline letter that also shows my FICO score of XXXX. 

Thank You, XXXX XXXX
I do not want to be a victim of identity theft and I do not wish to receive any offers of credit in the mail or email. Please help me in stopping them. Thanks. XXXX XXXX
I sent a letter to letters of disbute to XXXX, XXXX XXXX and XXXX in regard to validation of a debt that was originally XXXX XXXX XXXX XXXX and assigned to AFNI, Inc. I send the letter on XX/XX/2018, I asked for that they proved the original contract that was signed in regard to this cell phone account to validate the debt. I have not received that.
We have been sending documents to prove that we qualify for a Loan Modification and each time we comply with the completed package that was requested by the CITI Representative, we think we are going to get an approval here we go again, more and more documents. This package that we are preparing for submission now we have sent 7 times and each time we must start over, Please help us with this situation. We want and need to save our home. We need to know if there is some reason that we are getting the run around with our account. 
As soon as we submit the requested documents, Citi refuse to acknowledge the receipt of the documents. Each time we must start over, we want to comply with their procedures and get an approval to save our home, however the requests are always the same documents we have already sent with a few more requests added. 
We are submitting the 8th full package to day XX/XX/18 - 28 documents, what will they need this time? 
Please help us. We can payment a down payment we can afford the mortgage
Around XX/XX/2017 an unauthorized transaction hit my Chase checking account in the amount of approximately {$6000.00}. Upon learning of this transaction, I called the bank and was told to go to a branch. I went to a branch, filed a claim, and signed an affidavit stating that I had nothing to do with this transaction. They closed my account and opened a new account for me. They denied my claim stating that my debit card was swiped in front of a Chase Manager who personally knows me. The Chase Manager who personally knows me is my ex-wife 's friend and ex-co-worker. My ex-wife was a Chase Manager for several years and she worked with the Chase Manager who I was later told by Chase Bank was the one who overrode a tax check made out to another person, to be taken out of my checking account, which made my account negative for approximately {$6000.00}. After they denied my claim, they then approved my claim. I sent countless e-mails and spent countless hours on the telephone trying to get this situation cleared up and their end result was to deposit the money into the new account they had opened for me. This is what Chase telephone representatives told me was the correct action and the action that they carried out. I have had only 2 banks ( Washington Mutual which was bought out by Chase ) in my lifetime and I am XXXX years old. I am also a United States XXXX Veteran who completed an 8 year contract with an XXXX XXXX. I have never been arrested and I have no tickets or warrants. I am as clean as they come. I have lost and requested documentation regarding everything I am stating above from Chase and they do not send me any documents that I request. From my personal experience with my ex-wife and her friends/co-workers, I know that fraud was committed on my account. Chase initially told me that my ex-wife 's friend/ex-co-worker committed fraud on my account and after I told them that I was going to seek assistance from CFPB, they changed their tune and just stated to me that all they did was commit multiple errors to my account, which now results in me not having an account and them wanting me to pay them back for them committing fraud and multiple errors to my account. All of this coming out of the blue after being with Washington Mutual and Chase for decades without one single incident. Absolutely ridiculous. Inside Job. Cover up.
My name is XXXX XXXX and I am a victim of ID Theft and I received a copy of my credit file that your company publishes and after reviewing that I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in YOUR files as of this date that you used to verify the accuracy of the accounts list below. Under the FCRA 15 U.S.C section 1681g, I do have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts you are reporting in my credit report. Please do not respond to my request by saying that these accounts have been verified. # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, plus update my address and delete the rest? Please just update my name and delete all unnecessary information and please remove all unverified items on my credit report and distributing them to third parties under Section 611 ( a ) ( 5 ) ( A ) ( I ) and damage my reputation and credit worthiness.
Sear Gold Cred it Card Report shows account was closed in   XX/XX/XXXX  and date of 1st delinquency was  XX/XX/XXXX  I did tried to resolved this for lower monthly payments and or settle it for lower balance but was denied! Customer Serv ice representatives were very rude and threatened me with a charged off to ruined my credit.