WillisBack/dataset-financial-user-claim huggingface dataset:
Calls from convergent outsource saying give me credit card number. For XXXX For a XXXX debt. Or settle today for XXXX. I said I havent had XXXX for 12 years. They tried to confirm my email address and it was not or ever my email. 
They asked for my ss number but I didnt comply. I told them they were a scam several times and the guy XXXX started cursing and saying they are a legit collection and if I didnt pay they would put it on my credit rating. He ended the call. 
I called XXXX with my ss # and email address confirmed no acct has been active for 12 years and shows a XXXX balance. 
Pls help XXXX XXXX
Rushmore Loan Servicing LLC has offered us a Trial Modification Package for us to restart paying our mortgage debt. We received their offer dated XX/XX/XXXX demanding a payment of {$3400.00} up front and then a monthly {$1700.00}. However, they have only included a penalty amount of {$44000.00} and have kept the total modified amount unstated. <P/>We accepted the trial modification offer but have asked for the total amount that we would be paying towards. I sent them a certified letter on XX/XX/XXXX asking for the total amount, what this amount would be applied towards i.e. when would the Trial portion end, and how they calculated the loan affordability. I stated that the $ XXXX/monthly demanded payment was too high relative to our stated gross income of $ XXXX/monthly. <P/>Initially they agreed that they would get back to us and clarify our questions ; but now they have called on XX/XX/XXXX threatening that if we do n't follow through with the  demanded payments they would pursue foreclosure.
My Bank of America XXXX  card was fraudulently used on XX/XX/18 at XXXX XXXX I am not sure how the card number was obtain by a person I do not know. I called the XXXX XXXX to report fraudulent use. I also called Bank of America Visa to report fraudulent use. This incident was immediately resolved. Bank of America sent me a new credit card. I received the next statement on XX/XX/18 and another fraudulent use of my card was used on XX/XX/18 at XXXX XXXX XXXX. The charge was made with my original credit card number, per the account number on my statement ( this statement had two account numbers the old and the new ). I called XXXX XXXX to inquire about the charge and state it was fraudulent. XXXX XXXX agreed and said they would remove the charge. 

I called Bank of America to report the charge and cancel the credit card on XX/XX/18, the day I received the credit card statement. Bank of America would not cancel my credit card account. They said it had to stay open during the investigation and I disagreed with this process. A week later on XX/XX/18, I received an email from Bank of America telling me a new credit card is on the way. I did not request a third, new credit card and want to close this account to stop the fraudulent activity. Speaking with Bank of America on XX/XX/18 I found out that my call to report the fraudulent activity on XX/XX/18 from the charge made on XX/XX/18 was not documented by Bank of America and the account was not frozen, as the associate told me would happen. 

I do not want a Bank of America credit card. I do not want to pay for the fraudulent {$73.00} charge and then have Bank of America refund me the money. I just want to pay the balance of my charges and close the account and be done with Bank of America.
I fell behind paying a loan. Called and informed them of the reason. Directly after this, I received phone calls and voicemails repeatedly, on my cell and a work. Also correspondences mailed to my job, placed on my door where I live. Even after I asked them not to do this all my request have been ignored. I also informed them they were harassing me and was against the law, they continue. I 'm stressed enough and also under bankruptcy.
On or about XX/XX/XXXX, I initiated online contact with Sr. loan office XXXX XXXX of SunTrust Mortgage regarding a HELOC vs. 15 year cash out refinance. On XX/XX/XXXX at XXXX, XXXX XXXX sent 2 proposals for a 30 year refinance. At XXXX, I informed XXXX XXXX , that I would not be moving forward with his proposals. XXXX XXXX insisted on communicating with me after I advised him again at XXXX and XXXX that I would not be moving forward with the process. XXXX XXXX then sent disclosures for me to sign ignoring the fact that I told him on 3 different occasions that I would not be moving forward and requested a supervisor. On XX/XX/XXXX at XXXX, XXXX XXXX sent me an email requesting additional information o send to underwriting. Additionally, XXXX XXXX made an inquiry on my credit report after I advised that I would not be moving forward on XX/XX/XXXX. XXXX XXXX is now bordering on the line of harassment and bullying. After advising him on three separate occasions that I will not move forward, he proceeded to send disclosures, access my credit report, and request additional information.
I have had an open coinbase support ticket for over a week ( Case # XXXX  ). I have an entire transcript of the issue as well. I withdrew cryptocurrency ( ethereum ) from my wallet - and a glitch in their system has yet to send it to the blockchain. Support has been entirely unhelpful, as they ignored the problem many times stating that the transaction was sent. I sent 4 transactions for the same amount ( .XXXX  ethereum ) and 3 were successfully sent. The support team keeps telling me they were sent referencing the 3 successful transactions. Four days ago, they acknowledged the unsuccessful transaction ( finally ), have said they are working on a fix, but have not provided one nor any timeframe in which theyll have a solution. Because of this, my account has had .XXXX  ethereum removed from it, which is being held by Coinbase since they have yet to send the transaction to my original withdrawal address or credit back my account because of their own internal issues.
I keep receiving calls for an individual that has NEVER LIVED or resided or even visited me in my home - I have REPEATEDLY asked for this collection company to remove my number from their call list ( XXXX ) - I get at least XXXX to XXXX calls per week for a niece that I HAVE NO CONTACT WITH and that resides somewhere in XXXX Tennessee - I live in XXXX CAlifornia. This has been going on for several months. 

This morning was the final straw. I received a call at XXXX yes XXXX in the morning on XX/XX/2017 from telephone XXXX WAKING UP MY ENTIRE HOUSEHOLD .... I have young children, and it just so happens that my entire household is ill with the XXXX and I had just got everyone to sleep at XXXX am after bouts of XXXX cool baths and medication administration and breathing treatments ... THey had only been asleep for approx. XXXX hours ... so when this CALL came in at XXXX am - I answered thinking that it was an emergency call from a family member ... HOW WRONG AND IRATE I became. 

I requested the name employee number and corporate telephone number and corporate name from the person who called me - SHE REFUSED saying I could talk to her supervisort -AFTER XXXX minutes waiting I spoke with a XXXX employee of XXXX who stated that the call number they use is XXXX ( not the number on my call log ) .. I advised that they were outside of collection call guidelines by calling me WELL BEFORE XXXX am in the morning which is normal for their company and that I had previously advised at LEAST a DOZEN or so times within the last couple of months that the person they are looking for does not and has never resided in my home and does not even RESIDE In the the state of XXXX. - he said it was a mistake - that the file does indicate DO NOT CALL- I advised that is what I am told EVERY TIME They call. Oh sorry XXXX - we do have do not contact for your phone number. I had advised previously that I was going to contact legal representation for harassment. 

What can I do to BLOCK this company from EVER contacting me again? - I need to put a stop to their ILLEGAL tactics and also they have divulged information about my niece and the DEBT SHE OWES - which is also illegal - telling me to just tell her to pay her bills and I would not get calls like this. THis is when I went off - this is not my debt nor do I have a relationship with my niece - SO WHY IS IT my responsibility to tell her to do ANYTHING. I did not give her the credit or money - so therefore it is ILLEGAL for them to give me the information that she has defaulted on her obligations, NOR DO I CARE. The file name they have for her is XXXX - she can be contacted at the following number XXXX ( the last known contact per her brother ) and resides in XXXX Tennessee.
I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Experian credit report
Recently, I have begun tracking the history of my student loan in depth and I have noticed a few discrepancies. 

First, as of XXXX/XXXX/XXXX Navient took over 10 late payments off of my credit report and my report went up 55 points. I have been living for 3 years, unable to get a car or a mortgage, because of my credit score. I had filed complaints with their Office of the Customer Advocate and with XXXX via the XXXX XXXX dispute feature. 

Second, there is documented occurrences of mishandling of my payments, most recently being the payment on XXXX/XXXX/XXXX with {$0.00} going toward principal. They have been misallocating my money for years. Causing deeper problems than I can quickly fix. They mislead my mom and I for years and werent clear on some terms/due dates around XXXX XXXX. They have caused irreparable damage to me and my family. My mom XXXX in XXXX and my loan went up {$300.00} after they sold the debt to another company. I cant afford to input into society like a normal American because of their exorbitant XXXX XXXX/month and no ability to change it. My balance continues to rise on the student loans. 

Third, and lastly, revisiting the issue of misallocating my payments, I am still dumbfounded as to why my 3 oldest loans are my 3 most expensive loans still. This is due to misallocation from my automatic payments that have been set up. There is no reason these loans should be -17 % of the original balance 10 years later.
I called Experian on XXXX/XXXX/XXXX to try to have them remove a Judgement off of my husband 's credit report. Because it was filed XXXX but we were never contacted about it and it is holding up a Loan we are trying to get to Refinance our Mortgage. I was told they can not take it off until XXXX/XXXX/XXXX. So I filed a dispute with them today asking again for them to remove it because We never knew anything about it and the said Plaintiff XXXX XXXX XXXX XXXX. is no where to be found. Not fair to ruin our credit when we Do not know if it is even ours.
Inquiries were removed and re added without notice or reasoning. 
XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015
I received late fees/charges on 30 days in XX/XX/XXXX and in XX/XX/XXXX.
I visited a Sears store near me to inquire about the purchase of a cooking range. The sales associate convinced me to purchase the range that day and told me he could get me 5 % off if I used my Sears Card, which I did. The total purchase was going to be {$2500.00} and I informed him my credit limit on the card was {$1800.00}. The sales associate suggested we run the transaction to see if it goes through. It did and I assumed that the credit limit on the account was raised or the transaction was deemed okay. However, I received an email later that my credit card was over limit. As someone who monitors my credit rating carefully, I became concerned that the sales person 's actions could potentially harm my credit rating with an over limit report. I called Sears Credit ( a Citigroup company ) and was told that warranties and services are not counted toward the credit limit and they can put me over my credit limit when making a purchase. And they told me that the over limit status would be reported to the credit bureaus. Furthermore, they told me that I now owed {$750.00} plus the minimum payment in order to bring my balance below the credit limit. I feel this is a trap and puts the consumer in a very bad position. Not only did Sears knowingly allow me to cause harm to my credit rating, they also put me in a potentially harmful financial position. If I did not have the ability to pay the card down by the next billing cycle, I 'd be in a very difficult financial situation. Regardless, I will have a blip on my credit report regarding the over credit limit. Sears 's position is that I should have known their credit practices and the fact that services and warranty charges allow consumers to exceed their credit limit, which may potentially harm them. How was I supposed to know this and what is a credit limit for? And how can Sears take the position that they have no responsibility in this situation? Sears is wrong. I should have been informed at the time of transaction that what the sales associate was doing could potentially harm me. Please do something about this.
First off I am the victim of identity theft, someone used my info to open up a few accounts in my name sometime in XX/XX/XXXX - XX/XX/XXXX I realized this when I was denied a loan from my bank and the loan officer showed me my credit report last XX/XX/XXXX. 

I have tried my hardest to fix this without paying a service to help me, I want to buy land to build a house not get more monthly payments. 

Experian fraud depeartment misread my FTC ID theft report, and deleted the wrong account off of my report, well they also sent a block request to the other agencies, as well as sent a letter to XXXX XXXX who closed my account today because of Experian misreading dates, as well as amounts and just assumed it was the same thing. 

I have tried to contact them to fix this problem before XXXX XXXX closed my account today, and the fraud depeartment st experian admitted that there employee messed up and just assumed they where the same accounts but they are 100 % unwilling to help me fix there mistake and tell everyone that they sent false alerts to that they messed up and that the account is in fact mine. 

I just dont know what to do, now because of this mistake on there employees behalf, XXXX XXXX has closed my secured credit card account that was due for a unsecured review in literally 5 more days : -/ it's so wrong that there company can have the power to make XXXX XXXX close my account because they messed up, and the worst part is they sent XXXX XXXX the notice AFTER I talked to the rep so they are not doing anything to fix it : -/
On XX/XX/XXXX I acquired a 80/20 mortgage for the sum of {$360000.00} & {$90.00}, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CRFN # XXXX Rec. XX/XX/XXXX & CRFN # Rec. XXXX Rec. XX/XX/XXXX Rec. in the XXXX County Clerks Office. On XX/XX/XXXX & XX/XX/XXXX there were two satisfaction of mortgage, the {$360000.00} was supposed to be return to me XXXX XXXX which I never received Rec. in the XXXX clerks office CRFN # XXXX & the {$90000.00} was return to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX CRFN # XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX claim that I acquired a mortgage of {$540000.00} not a assignment or sale from XXXX XXXX XXXX XXXX but a mortgage. In fact I never took another mortgage on the property how is it possible to buy the property twice, the amount of the mortgages was {$360000.00} + $ XXXX= $ XXXX.if there was a refinance which never happen meaning I had to take money out of the property, were is the check and who cash it? 
On XX/XX/XXXX XXXX XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX XXXX and Rec. it at lease two years later XX/XX/XXXX XXXX county office CRFN # XXXX. XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX had no servicing rights see case # XXXX ( XXXX ) UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF LOUISIANA XXXX XXXX DECLARATION OF XXXX XXXX XXXX as president of XXXX XXXX XXXX on XX/XX/XXXX assignment from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX four years later. On XX/XX/XXXX assignment from XXXX XXXX XXXX XXXX to XXXX XXXX. XX/XX/XXXX assignment from XXXX XXXX to 21ST MORTGAGE CORPORATION which bought a fake NOTE into the court as I explain to the judge. The banks & servicer are dealing with deceptive practices. On XX/XX/XXXX effectively XXXX XXXX XXXX XXXX assign, transfer or sold all servicing rights to XXXX XXXX XXXX XXXX. With no recording in the XXXX clerk office. XXXX XXXX XXXX XXXX Also are claiming I did a modification with them which never happen, further more they didnt own the mortgage or the rights to service the loan. Now I am in danger of loosing my home with a sale date in a couple of weeks these banks an servicers has know right to foreclose on my property. and there is many issues with the assigments.
Submitted a dispute to Equifax for XXXX # XXXX and XXXX # XXXX - Asked them to provide documentation showing that this information is in fact my account and correct, since I know it is not and still have not gotten anything but the standard " Verified '' response. As a consumer it is my right to know who was spoken to, who verified the information, and to send me a copy of all information. None of that was done!
Capital One allowed someone to open a account in my name using XXXX. I dont use XXXX I use my married name XXXX. This person is hacking into my emails and getting my information and ordering things. My credit cant approve because of this person applying for everything. XXXX   got 17 off my record and my credit is still poor. I made police report and FTC report
My payment amount is not being evenly dispersed to all my principle balances. Instead nelnet is applying the total amount to the interest portion of the loan rather than the principal which will elongate the loan further. Ive also asked if there are options for me refinance or lower interests rate but was told to visit StudentAid.Ed.gov. 

As a graduate student, mother to be, and full time worker I'm hoping there are more options for people like myself who are struggling with these large companies like Nelnet. Please put regulations in place and make sure our money is being put towards our loans and not the companies pocket.
I have been trying to contact Macy 's customer service about my account and they always hang up on me. All I want them to do is correct my account which they are refusing to do. Whenever I call, my hold time has been over 20 minutes, and then while I am speaking to a customer representative, they hang up ( I can always hear them talking in the background, before they place me on hold again, before even talking to me ). My available credit and my charges do not equal my credit limit, so my a payment was not posted/or taken into consideration. I will never do business with them again once I pay my account off and close it.
My name is XXXX. I would like to file a complaint against Experian Credit Bureau. They are listing XXXX fraudulent addresses on my credit report. I have never lived at these places. I have written Experian 2 separate times, informed them these were fraudulent addresses and asked I them to remove them. They will not remove these XXXX fraudulent addresses. Experian Credit Bureau is listing XXXX misspellings of my name. I have written Experian 2 separate times, informed them these were fraudulent misspellings of my name and I asked them to remove them. They will not remove these XXXX fraudulent misspellings of my name. Experian Credit Bureau is listing somebody else social security number on my credit report. I have written Experian 2 separate times, informed them this was not my social security number and I asked them to remove it. Experian will not remove this other person social security number off my credit report. 
Below is the Fraudulent and Erroneous Information Experian Credit Bureau is listing on my credit report. 
Fraudulent and Erroneous Names : 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX My name is XXXX XXXX, all of the above fraudulent names need to be removed from my credit report. 
Fraudulent and Erroneous Addresses 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX 2. XXXX XXXX XXXX, XXXX NC XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX 4.XXXX XXXX XXXX XXXX , XXXX NC XXXX 5. XXXX XXXX XXXX, XXXX XXXX NC XXXX 6. XXXX XXXX XXXX, XXXX NC XXXX 7. XXXX XXXX XXXX, XXXX NC XXXX 8. XXXX XXXX XXXX , XXXX XXXX NC XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. Those other address are fraudulent and do n't belong to me. Also on the enclosed Experian credit report from XX/XX/2017. Experian lists address identification numbers that shows which address belongs to an account on your credit report. None of these fraudulent addresses are attached to any of my accounts. Please make them remove these fraudulent addresses. 
Fraudulent and Erroneous Social Security Number : 1. XXXX. Experian needs to remove this person social security number off my credit report. My social security number ends in XXXX. 

As you see I really need from your help. Experian is listing tons of erroneous and fraudulent information on my credit report. Please make them remove this mess. 
Thank you for your help
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For XXXX XXXX and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
I contacted Portfolio Recovery Associates, LLC to validate a mark on my credit profile that I did not have any clue about. Portfolio sends me a letter with and old bill from a XXXX XXXX account from 2013. I called the dispute department and explained that this account was settle with XXXX XXXX and asked if they could delete this from my credit. 
I was told that they did not have any record of me paying XXXX XXXX and I am responsible for a {$510.00} debt. Portfolio did offer to settle the debt for a smaller rate. I agreed to settle if the company would delete this from my credit profile. 
According to the representative this was going to happen. I did my part, but the company did not honor their portion. 
I already feel that I am paying for a debt that I took care of 5 years earlier. Now I feel that I just was robbed by this company.