WillisBack/dataset-financial-user-claim huggingface dataset:
I get calls on average 15-20 times a day from Vital Recovery Services XXXX. I have no debts. I 'm 85 years old and they are calling me about a debt that one of my children supposedly has. They all have their own homes and phone # 's, and if one of them had a debt in collection, which they tell me they do n't, the calls this debt collector is making should be to them not me. I 've told them this in the past and yet they continue to call me.
I have disputed the collection account from '' XXXXXXXX XXXX XXXX '' in XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 for Consumers energy account is is not my account. I do not owe this company. Please Enforce this company to re-investigate properly.
I received my fico score today XX/X/2017, showing I have delinquent accounts on my account that are way over due and I had a 796 credit score and they dropped it down to 700. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.
Back in XXXX I applied for a mortgage we set a closing date for XXXX XXXX 2016. 
Forty minutes before closing I received a call from Chase home lending telling me I had to come up with additional {$1000.00}. In addition I found other discrepancies on the closing documents that the lawyer had with her. The original agreement was that they were supposed to transfer the escrow account to the new loan. On the closing papers it stated they were using it to pay down the mortgage balance. The commitment letter stated that I had to bring {$220.00} to the closing. There were numerous discrepancies and I had the attorney, XXXX XXXX call them. We could not close. On the same date XXXX/XXXX/16 I spoke with chase home lending and I was told they would try to credit me {$1000.00} for the mistakes. I requested a new commitment letter stating the new figures I never got XXXX. I got a phone call from the lawyers office on XXXX/XXXX/16 that we have a new closing date for XXXX/XXXX/16. I still had no documentation or commitment letter. How could I close? And without any knowledge that I was closing on that date. This is not the correct way to conduct business. I called back on XXXX/XXXX/16 to request my {$500.00} deposit to be refunded. They refused. I feel like I have been misled and this is not my fault. I should be refunded my {$500.00} Thank you
3rd party debt collections company Portfolio Recovery Associates claim I owe debt that has aged off 15 years ago and are calling me while at work. I told them not to call me, and have added my cellphone number to the do not call registry.
{$150.00} was deposited into my checking account and the teller advised the funds would be available on the same day however they were not. I called the bank and after being hung up on twice and have agents on the other end of the line not respond 3 times when I finally did get to speak to someone I was told there was nothing that could be done because theres no record of the deposit. I was also badgered by an agent who asked for my social security number, joint name on the account and because I was unable to tell her the amount of my last deposit amount she refused to continue the call, she would not ask any other verifiable questions and advised no supervisor or manager was available after I requested to speak with one. Compass employees took no concern or interest in my missing money.
I still have a collection account from  XXXX   XXXX   XXXX  that should have been removed from my credit report.
On XXXX XXXX I had a cashier 's check mailed to me and I went to my PNC Bank to cash the check. They cashed it. The check amount was {$1300.00} to go towards a XXXX XXXX XXXX I was selling. {$300.00} of that was for my XXXX XXXX XXXX and the rest was to be transfer from XXXX to XXXX. The man that sent the check was named XXXX XXXX. The transfer was to go to an XXXX XXXX, XXXX TX XXXX. On XXXX XXXX XXXX XXXX XXXX sent another Check in the amount of {$1600.00}, he stated the check was not enough for the movers to come get the bed. Now this check was shipped XXXX witha different name ( XXXX XXXX ) So I went to my XXXX XXXX to cash that one and the same teller that deposited the last check was doing what she needed on the computer and then she said hold on for a moment please. She went and whispered to another teller and then came back and said I can not cash for you, she stated I could go to XXXX XXXX XXXX where the check is issued from. This bank teller never told me my account was empty? in the red! So while I 'm almost out the door one of the rep 's stop me and I told her what 's going on and then left. Well she checked my account and called me. My account was wiped clean. She stated the check never should have gone through because it was a cashier 's check and they have to be signed, not stamped like this was. So, I went to the police, filed a complaint with the XXXX Nj Police. I then proceeded to call a supervisor of PNC, gave her all the info. Her name is XXXX XXXX XXXX. She got back to me and said the bank can not help me. I have no Christmas with my Family now. I am unable to do my food shopping for the month. I live on XXXX. The bank wants me to pay all the money in the red {$1100.00}. How can I? We are supposed to be able to trust our Financial Institute to keep our money safe. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
I have a " Costco Anywhere Visa Card by Citi ''. The card is advertised as being " cash back ''. However, the they do not provide " cash ''. Apparently they send a Costco voucher per their customer service department. I say apparently as they only send this voucher one time per year, in arrears, of course. This Costco voucher can only be redeemed at Costco while cash can obviously be used in many other ways.
I missed my XXXX, 2018 payment of {$41.00}. Had XXXX down for 3 weeks my fault. received XXXX, 2018 bill stating I owed {$120.00} this included over limit fee I would I incurred because of their charges. Called in XXXX, 2018 and set up Special Program no over limit fee I paid {$82.00} today XXXX, 2018 they say I still owe {$83.00} and XXXX, 2018 {$83.00}. I missed one payment that I am paying an extra {$120.00}.
Applied for mortgage with quicken loans went through process to underwriting. Under writing has problem with my wife who has disputed a bill in collection because she does n't owe the money and actually they owe her money as there should have been a credit on the account. It has been partially resolved but not fully. Quicken loans wants her to remove the dispute and recalculate her credit score which will put her bellow the banks overlay credit score of XXXX. This is a made up score by the bank as there is no minimum credit score required under the harp program. Since the bank required the removal of dispute we would be in agreement provided we could pay the outstanding amount since it is only XXXX dollars and then restore the credit. The bank refuses as they want the score to go down not up. That is how they can kill the loan so they do n't have to refinance us. All this for XXXX dollars.
XXXX  has been non-compliant with removing the unverified account WORLD FINANCE CO which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WORLD FINANCE CO was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
* This past month I received a notice that my mortgage was sold off to : XXXX XXXX XXXX  UPON CALLING THEY CA N'T FIND MY ACCOUNT NOR GIVE ME INFORMATION HOW TO PAY. I WISH NOT TO GET BEHIND ON PAYMENTS AND DESIRE INFORAMTION ON A MODIFICATION OF THE LOAN THROUGH HAMP OR HARP.
I signed up for a Discover card AND bought an iPhone to participate in their XXXX % cashback promotion for in-store XXXX XXXX purchases with the Discover card. After signing up for the card and purchasing the iPhone, Discover changed the terms of the promotion to exclude gift card purchases ( which I was planning to purchase a bunch of, given the holiday season ).
Keep getting a call from this number, before it was XXXX XXXX XXXX, I had it blocked and now they have changed XXXX number to call me. I see other complaints online from this number and the XXXX. Can I sue?
FAILED TO VALIDATE SAID DEBT ALONG WITH CONTACTING MY FAMILY MEMBER XXXX XXXX IN VIOLATION OF FCRA, FDCPA AND TCPA.
Deville Asst Management this company did not send me a letter or bill, they fail to notify me. The only way I found out this debt is thru my credit report. And the information they have on XXXX XXXX is inaccurate.
XXXX XXXX XXXX sent a debt of {$470.00} to XXXX XXXX XXXX XXXX. in XX/XX/XXXX. XXXX XXXX XXXX XXXX used XXXX XXXX for debt collection. 
I paid this debt in full ( {$470.00} ) in XX/XX/XXXX. I have a bank statement showing this payment cleared and was paid to XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect this paid debt. I requested verification and that they cease all attempts to collect the debt, in writing in XX/XX/XXXX and I sent proof of payment ( bank statement copy ) in writing in XX/XX/XXXX. In XX/XX/XXXX, I  received a call from Cascade Capital LLC XXXX XXXX attempting to collect this same paid debt. I asked that they provide proof I owe this debt. 

My concern is that I am being contacted for a debt that was paid in full and now the burden falls on me to repeatedly prove it when it should have been marked as paid when it was paid in XX/XX/XXXX.
Portfolio Recovery is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX XXXX Dismissed the debt and removed the debt from all reporting in 2016. Portfolio Recovery has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and Portfolio Recovery refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. Portfolio Recovery is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Confidentiality breach. When I requested copies of my mortgage documents,  Nationstar  bank sent me someone else 's documents including pay check stubs, tax returns with signatures, social security numbers, phone numbers, addresses, attached to my documents. I am concerned my documents may have been sent to the other party or someone else.
Made many attempts to contact XXXX to see why this exists and who it belongs to. They have not provided a legitimate answer as the reps do n't ha e access to view as it has been transferred to another department. I am sure the debt is not mine as I currently have an active XXXX account that is in good standing and was given to me with no issues.
I have disputed the late payments on ATTORNEY GENERAL-XXXX, XXXX XXXX XXXX accounts for months. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im trying to get this job promotion which would come with a salary raise.
Several years ago, my husband, who was ill with   XXXX   and beginning to have   XXXX   XXXX  , was persuaded b y Navient, which had recently taken over administration of the PLUS loans we took out to pay for the last two  years of our youngest son 's  XXXX  degree at  XXXX  College from  XXXX  to  XXXX , to 'consolidate ' the loans. He was promised that if he died before the loans were paid off, they would be forgiven and I, his widow, would not be left with responsibility for them. He died in  XXXX  of  XXXX , and when I calle d Navient to inf orm them of his death, they said I must repay the balance, which was over {$50000.00}, various fees and penalties having been added. Facing a severely-reduced income ( I lost my job in the crash of  XXXX  and was forced to retire without an adequate pension of my own ), I reminded the agent of the promise made to my husband. After months of wrangling, they did agree to reduce the principal to {$28000.00}, setting me up with an income-based repayment plan, but it is due to expire in  XXXX  of this year, and I will have to reapply, and go through the whole process again. I am  XXXX   years old , have just been diagnosed with a   XXXX   XXXX  , and am having trouble dealing with these kinds of issues. I feel that the promise made to my husband should be honored. My income is fixed, but my rent and other expenses keep increasing. I am also being held responsible for past taxes due to the IRS, for which fees and penalties have been added, bringing the total to nearly {$20000.00}. I was able to work out a payment plan with the IRS, but it is costing me another {$250.00} a month, and most months, I run out of money before the end of the month, no matter how careful I am. I have been forced to max out my credit in order to get through the month, and feel like a house of cards that is collapsing. My husband left me a little bit of life insurance, but it is long gone.
I paid off my loan with Round Point Mortgage on XXXX XXXX, to date I have not received the {$2700.00} left in my escrow account. I 've made multiple phone calls to Roundpoint Mortgage and Servicing, been left on hold for up to an hour until I finally had to hang up. I am told a different story each time I call. Was told first check was sent XXXX XXXX, then I was told it was issued on XXXX XXXX. I explained I have not received the check and was told a re-issue check was sent XXXX XXXX and yet I have n't received that check either. I filed a complaint with the CFPB on XXXX XXXX and received a letter from Roundpoint confirming that complaint. How is it that I can receive a letter from Roundpoint about the complaint I filed and yet I ca n't receive my escrow balance which is rightfully due to me????? I believe I am being lied to about them actually sending a check. Each time I get a rep on the line I ask for a manager or supervisor and for some reason, they do not want me to talk to one. I understand the time line for returning escrow balance is 20 days. It is over 60 days at this time and no escrow refund. PLEASE HAVE SOMEONE WITH KNOWLEDGE AT RPM call me regarding this matter.
A company is charging me for something I have no idea for what. The company is what is read XXXX XXXX  my statement called " XXXX '' for the amount of XXXX on XXXX XXXX 2017. I do n't know this company.
The bank honored a check that was dated a month in the future. Granted, the vendor should not have submitted this check, but the bank thinks it is fine to ignore the date on the check. Why do they even have a date line?
There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the Equifax, XXXX and XXXX to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a  bankruptcy that belongs to me.
At the end of my XX/XX/XXXX statement it says I had a balance of XXXX. On XX/XX/2019 I had made a payment on the amount of XXXX to pay off my current balance. 
It dropped my credit score 35 points because it states that I had a high balance, and missed a payment.
I purchased a vehicle on X/XX/17 at XXXX XXXX, however on my Equifax credit report I am showing that I have 12 hard inquires pulled that day. That makes a combination of 23 hard inquires total. I have called Equifax on XXXX X/X/17 and X/XX/17 in attempt to resolve this matter. I know my rights as a consumer when shopping for a vehicle or home that when my credit file is pulled many times within a 14-30 day window that those hard inquires are suppose to fall off or count as one inquiry. However on my credit report my fico it is reflecting a total of 23 inquires which 12 are from the XX/XX/XXXX- XX/XX/XXXX shopping period. These inquires have added a hardship by affecting my placing me in a high risk category for credit worthiness. I have been denied credit with reason specifically stating I was denied by having too many hard inquires on my credit file. I am being victimized and my requests are being ignored by Equifax. I am asking for help on this matter as I have failed to get a resolution many times myself.
I do n't know what else to do with this situation! Medical bills are arguing my credit! I pay my bills ... .. Please stop giving me bills that should be pay by my ex husband ... ... he paid all before our divorce
On XXXX XXXX XXXX, I made an offer to purchase my first home. With the offer I wrote an EMD check to put toward the house. On XXXX XXXX, someone attempted to forge a check with my exact signature as the EMD check that I wrote for the house and had the next check number as the previously written check. 
In the first week of XXXX XXXX, I began to receive emails from the title company I was supposed to close with. I questioned this person and called the number that was given at the bottom of the signature to make sure this was in-fact a person that worked there. The company confirmed that she did and I proceeded to communicate with her. She continued to email me about the closing through out the month leading up to the closing date. I was supposed to wire my money XXXX XXXX, but I did not receive a final number yet, but I did receive a wire transfer form from my realtor. The next day, on XXXX XXXX, I received a wire transfer form from the fake person that was pretending to be the title company. I did not know at the time that she was not who she said she was. I looked at the form she sent, and the form my realtor sent the day before, and they were identical, except the account and routing numbers were changed. I questioned this with the realtor 's email address that was CC 'd on the email, which this address was also fake, and that person reassured me that everything was correct. That afternoon I wired the money to the account that I thought belonged to the closing title company. The morning I was supposed to close, XXXX XXXX, the fake person emailed me stating the closing had to be postponed, and she knew what time my closing was. During the closing process, it became known that the money was in-fact not wired to the correct account, and was wired to a fake account. I quickly called the credit union that wired the money to to a wire transfer recall. They were able to recall half of my wired money. I initially wired {$40000.00} to the fake account, which was at Wells Fargo bank ( they did nothing to assist me in getting my money back or freezing the account. I am not even able to find out if they have an investigation into this fraudulent activity ). The credit union was able to retrieve {$20000.00}. That same say, I filed a police report with the city that I reside in, to possible get resolution to this matter. I have also been in contact with an attorney and she believes that this is an inside job at either the sellers or buyers realtor company ( XXXX XXXX XXXX, XXXX XXXX respectively ).
On XX/XX/XXXX we have taken steps to freeze credit reports at all 4 know agencies : Equifax, XXXX, XXXX, and XXXX. This is in response to the significant security breach and theft of personal information from Equifax in XX/XX/XXXX. 

XXXX and XXXX have charged {$10.00} each form myself and my wife, for a total expense of {$40.00}. ( Equifax and XXXX have no charge for this service. ) However, we believe that Equifax 's official response to the breach inadequately protects our identity. Credit reporting alone is insufficient. We feel that the company should reimburse us for the time and expense of freezing or credit reports. We should also be allowed to temporarily lift credit freeze at no additional charge with all of the credit bureaus as required for normal financial matters.
I already have a complaint  XXXX  on file and it was closed based on the response from Bank of America. They state we filed for Bankruptcy and that 's it. Bankruptcy was closed and the application  for Home Modification ha s taken place AFTER the Bankruptcy, for more than a year we tried to get a modification and BOA just kept stalling and demanding a payment of tens of thousands of dollars to stop the foreclosure during the modification process. The Bankruptcy ended  XXXX   XXXX  and they home was sold  XXXX   XXXX , DURING THE MODIFICATION PROCESS.
I was at work when my bank notified me that a {$9200.00} hold had legally been placed on my joint account with my wife. I went to the branch and they said a law firm had gotten a judgement against me and placed the hold, at which time the branch found out the firms name and number for me. I called XXXX XXXX XXXX and they said they had a judgement again me from XX/XX/XXXX for a company called XXXX XXXX, who originally bought the debt from XXXX XXXX XXXX. They say I owe for a credit card through XXXX from XX/XX/XXXX or XX/XX/XXXX, got a different answer when I called back a few hours later, for an amount of {$4800.00}. The account number they gave me doesn't even match the information I have from that time because I have credit reports from when I bought a house through XXXX   in XX/XX/XXXX. Unfortunately I went into foreclosure in XX/XX/XXXXdue to the financial collapse and have lost all credit since then. I have no idea what this account is that they're talking about nor do I remember EVER having a credit card with that high of a limit. Even when I had a XXXX score my largest card was only around a {$2000.00} limit. These accounts have been closed for years, I have never received any mail, certified or not, or any notice of some sort of judgement. As of today my account is - {$9200.00} with a legal hold on it, I can't buy food for my family, pay bills or even get gas to go to work. My wife and I are financially lock out and can't pay any family bills or anything, we only made a combined income of {$30000.00} last year with XXXX kids to feed, how is this legal. 
I am sending a copy of the credit report from XX/XX/XXXX that has a XXXX credit card on it with a balance of only {$1400.00} and ends in XXXX. They said the account I owed for ends in XXXX, but is not on my credit report.