WillisBack/dataset-financial-user-claim huggingface dataset:
Company called my home phone number XXXX, asking to speak to XXXX XXXX XXXX about his father XXXX XXXX. I returned call to called named XXXX who identified himself as an employer of XXXX XXXX on ansering machine. I told him that my husband 's name is XXXX XXXX XXXX and we do not have a relationship with XXXX XXXX and to remove our contact information and direct any communications to XXXX XXXX 's mailing addressXXXX then began to get belligerent on the phone and call myself a liar and describe the house that belongs to XXXX XXXX. I attempted to inform him again that we would like to not be contacted again and asked for company name and address. He said he worked for XXXX XXXX and hung up. I then called him back several times on my cell phone XXXX attempting to once again obtain mailing address to send notification to not contact us in regards to this issue with XXXX XXXX. He then began telling my husband and myself at this time he would press charges and have us arrested for harassing his business and how we are liars we always see and speak to XXXX XXXX. Threatened my husband that he would call everyday until we told XXXX XXXX to contact them or they would come after us for the debt. The debt he then told us was because of a bank fraud and that we would be responsible for the money. I, nor my husband, are XXXX XXXX and this information should not have been disclosed to us and he would not use our home phone number as a reference because we only make calls with our cell phones. I contacted the Attorney XXXX XXXX in Louisiana and they informed me to contact FTC with complaint. I still do not have any contact information for the company. The called from phone number XXXX.
Requested verification only received a bill that did n't complete the request. Then they reported it to the XXXX credit bureau.
These accounts still continue to be listed on my credit report! They are bogus! XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are placing these items on my report and they are not valid! See attached dispute letters
I was an authorized user on a Citicard account of my dad 's, not a guarantor. They have consistently filed this on my credit bureau. When it came time to get a business credit card for my business this account inhibitied my ability to get an a business credit card. I removed myself from the account and asked for a letter stating I was no longer attached to this account as an authorized user. The letter came in my dad 's name which was not helpful to me. I called and asked for another letter. It never came. So I called back and they refuse to send a letter unless my dad calls and verifies his account. They are still reporting to my credit bureau and are not helping me correct their mistake. I was on the account when I asked for the letter. I want the account off my credit bureau and a letter that states I 'm not on this account or responsible for it.
The amount of the loans are n't correct. The interest rate is high. I have n't been sent any copies of promissory notes from these loans. Nor copies with my signature attached.
I was in an active Bankruptcy that was finalized and suddenly I receive a default letter from Navient that I am XXXX delinquent. This was the first notification I had received from them since my Bankruptcy was finished. I called to work out payment options to lower my payment and they immediately put me in forbearance with no option to make a payment. Penalties and interest are continuing to mount. All I want to due is lower my payments and start paying my debt back, but they seem to make it difficult.
XXXX XXXX XXXX, stated they would assist me in saving my home from foreclosure, when the mortgage services fail my several loan modification requests. Dual tracking has continued practice in case, I have submitted this claim with the courts. XXXX XXXX XXXX requested XXXX down payment, however no documentation was submitted by XXXX XXXX XXXX that they were action on my behalf. Never return any of my calls. I requested XXXX XXXX XXXX XXXX due to dual tracking practices by XXXX XXXX, Bayview loan, XXXX XXXX XXXX XXXX. I been dealing with dual tracking since 2010. Would really appreciate some real help!
MY MOTHER PASSED AWAY ON XX/XX/XXXX I AM THE ONLY CHILD AND HEIR TO HER ESTATE. IT TOOK ME OVER 9 MONTHS TO FIND HER WILL AND GET THE DEATH CERTIFICATE. I SENT DITECH FINANCIAL LLC ALL DOCUMENT REQUIRED BUY THE STATE OF KANSAS MY RIGHT TO THE MOBILE HOME THAT ME AND MY MOTHER LIVED IN. THEY KEPT ON COMMING UP WITH OTHER FORMS I WAS REQUIRED TO FILE AND WHEN I CHECKED WITH THAT STATE OF KANSAS ATTONEY GENERALS OFFICE I WAS NOT REQUIRED TO HAVE THIS FORM. DURING THIS TIME THE HOME WAS FOR CLOSED ON AND I HAD TO GET OUT OR LOSE MY OWN POSSESIONS. THIS WAS XX/XX/XXXX. I DID GO TO COURT BUT IN THE JUDGES DESIOIN HE GAVE THE HOME TO DITECH. THEY HAVE CONTUIDE TO SEND BILLS AND NOW THEY SENT A LETTER STATING THEY BOUGHT INSURANCE IN MY NAME WHEN I CALLED AND IT WAS RECOREDED BY THEM I WAS TOLD AS HEIR SINCE MY MOTHERS DEATH IT WAS BUT IN MY NAME BECAUSE THE HOME WAS NOW MINE. HOW CAN THEY HAVE IT BOTH WAYS, THEY TOOK MY HOME SAYING I HAVE NO RIGHT AND BUY INSURANCE IN MY NAME. THE INSUANCE COMPANY IS OWED BY DITECH.
On XX/XX/XXXX17 I had an accident. XXXX the other party ins. On XX/XX/XXXX17 I received a bill from Recovery Partners LLC Collection Agency " Payment Demand '' for {$980.00}. Apparently XXXX XXXX sent me to collections & now the collections has been calling me & in 1 month has clld 3 times. 1 )  XXXX never advised me that I owe this money. 2 ) I called XXXX on XXXX17 & left msg for supervisor & on X/XX/17 I clld back & XXXX XXXX XXXX Supervisor & asked her if they paid {$980.00} for repairs to their customer? She said no. If the company has not paid money & they are not out of any cash out. Can XXXX " or a Company " send me to collections? If no money is paid out how can they send me to collections? What are my rights?
After obtaining a home mortgage from Fifth Third Bank in XXXX XXXX, and closing with extreme difficulties and delays on XX/XX/XXXX, we had filed our complaint with your department. They responded on XX/XX/XXXX, after two months, with a letter justifying their delays & errors. They included a gift card for all of our troubles. Now, here we are almost a year later, with our money in escrow, we are hopeful that our homeowner 's insurance and property taxes will be paid by Fifth Third. We received our homeowner 's renewal dated XX/XX/XXXX, indicating that Fifth Third as a mortgagee, along with their address in XXXX and our loan number. What could go wrong? Well.. .yesterday, XX/XX/XXXX, we received a reminder from our insurance company that no premiom has been received for the XX/XX/XXXX renewal. I contacted the insurance company by telephone & they confirmed thar the annual premium is yet unpaid. I went to a local Fifth Third branch office on XXXX XXXX. in XXXX XXXX, who made a phone call to a mortgage department in either XXXX or XXXX. They would not talk to the personal banker to verify if the escrow dept. had the correct information regarding our insurance company. The banker gave me an XXXX number to call. I called this number, it was n't the correct department, so I was transferred to another person, still not the correct area, so I was transferred a third time, was cut off, started the process again. After talking to XXXX different people, finally spoke to a XXXX, who works for a firm hired by Fifth Third to pay homeowner premiums ( not a Fifth Third employee, but by far the most helpful ). She looked up our account and said due to Fifth Third recently hiring their firm on XX/XX/XXXX, oor renewal declarations and invoice were NOT sent to their company. Could I contact my insurance company or copy my renewal declarations and send to this contract company so they could begin to process a payment that HOPEFULLY would get to the insurance company prior to XX/XX/XXXX?!? I did not create this error, Fifth Third is responsible and once again, I am doing the follow up due to their internal processing errors. The rep ( part of a call center that I can not talk to again ) said she would call our homeowner insurance company to ask them to AGAIN resubmit our declarations and invoice. No guarantee this will happen, so I must domy own followups to both the insurance company and Fufth Third. If I had n't gone tothe Fifth Third branch or called and FINALLY got to the correct person, I would 've assumed that Fifth Third was going to pay our renewal premium. There is no guarantee that this will happen before our policy renews on XX/XX/XXXX. Now I am concerned that our property taxes wo n't be paid on XX/XX/XXXX. I will have to start calling again to insure that they have received the same notice we have received. Is no one accountable at Fifth Third Bank?
I had an E-Banking account at Bank of America for a few years. It was a free checking account with no minimum balance requirements and no monthly fee. I was receiving online statement notifications until XX/XX/XXXX, and then there were no email notices again until XX/XX/XXXX. During that time, BOA claims to have changed the terms of my account to a Core checking accounting with a $ 12 monthly fee. I had {$20.00} in the account for many months with no fees, as I was not using the account due to an inoperative ATM card. I contacted the bank by phone and I went to bank in person to try to get a working ATM card, but I never got one that worked. Then, around XX/XX/XXXX/XX/XX/XXXX, BOA started charging my account {$12.00} per month, until it became a negative balance. They took my money without notifying me of the change of terms. I checked my emails and there was no notice. I did not receive a paper statement, either, until XX/XX/XXXX, at which time the bank sent me a statement showing my account has been closed. Since they closed my account, I can not log into the online portal to look for any notices or the account history. I think that they should allow me to have access to the online period for several months after closing the account so I can check the records. I called BOA to try to get my money back, but they said they would not give my money back since the account was now closed. I told them that I did not receive notification of the change in terms, and the representative said he did not believe me. He said the balance was insignificant, at which time I reminded him that it was my money and it is important to me. He said it is the customer 's responsibility to read the notices. I reminded him that I did not receive any notices and I said that the bank should make more of an effort to notify people of such a significant change. I want to get my money back and I want to make sure they can not do this again to other people.
I filed a dispute with EQUIFAX regarding inaccurate credit report. I filed bankruptcy 10 years ago and this should not be on my credit report according to Fair Credit Reporting Act. EQUIFAX did an investigation, but did not resolve this issue.
I starting seeing this debt o n my report. From time to time I request to have it removed and it is then it shows up again on another credit report for similar amounts ( {$1900.00} or {$1900.00} ) but all from    XXXX    XXXX   ( d ebt collector ) -- telephone number  XXXX
A collection agency named FirstPoint just reported a {$490.00} medical bill on my credit report. According to the Fair Debt Collection Practices Act, they were supposed to provide me with a 30-day notice to dispute, prior to reporting it on my credit file. If did not receive this notice. This bill just showed up on my report out of the blue. If I had received notice of this bill, I would have contested it, because I have health insurance, and I am sure it had to be a mistake. However, I was never given the opportunity to do so.
XXXX   XXXX ,  XXXX  I filed a complaint with the BBB and CFPD agains t NCB Management services, Inc. I n their response to my complaint they stated they would send validation of the debt owed. They have not done so. All they have done was state they would send the required information. I am requesting the original contract, complete financial transaction history, and a copy of the letter they stated was sent in  XXXX   XXXX ,  XXXX . With out this information in a timely manne r. NCB Management serv ice is deliberately violating Fair Credit Reporting Ac t, 15 U.S.C & 1681. Under that  act all unverified accounts must be deleted. Without validation of this debt and continue reporting to the  XXXX  credit bureaus, will result in me seeking damages.
On XX/XX/2016 I received a alert about a XXXX account added to my credit report. I have no collections on my accounts and all my account are up to date. The company is named XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The amount is for XXXX I never received notices to contest this account. I submitted a complaint with the XXXX of XXXX XXXX. XXXX and the BBB. This company just posted this account on my credit report without due process of validation of ths debt.
Good afternoon, My name is XXXX XXXX and I just read about the suit you filed against Navient Solutions. I am a student loan borrower and owe a considerable amount to Navient. I have had numerous instances where I 've been given questionable advice and encouraged to put my loans in forbearance. 
For about a year, I 've been on an income-based repayment plan. They have withdrawn more than the agreed amount on a few occasions. They returned the money, but only after I had to call them month after month to describe the problem. It would take up to 30 days to see the amount back in my account. 
Their employees are also unprofessional. When I was setting up my income-based payment plan, one of their employees called me from their cell phone and asked for personal information. It sounded like she was going to write this information down on a piece of paper and process the application when she was back in the office. I asked her to call me back when she was at her desk. 
My family and friends who also owe money to Navient could add a plethora of unscrupulous stories to my list. I would like to help you out in any way that I can. 
Please feel free to reach out at any time. 
Thanks, XXXX XXXX
I unfortunately have my mortgage through LoanCare LLC. We bought our home in XXXX. This company did not pay our taxes in XXXX, and we had to call multiple times to have them pay in XXXX. Well our XXXX tax statement comes out and low and behold only our XXXX taxes that were paid are in that statement. We should have a statement with both XXXX and XXXX taxes that were paid. I have reached out to them 4 times with this issue and no resolution. It has been " sitting '' with the tax department for the last month and a half and nothing has come of it. The customer service reps are rude and nasty and just through you around in circles.
Today received a phone call from XXXX XXXX ( XXXX, Ga ) about collecting on a past due payday loan. The person on the phone instead of listening to me started laughing at me and what I was trying to say. I have hit a very hard patch in paying my bills and until the end of XXXX will not have ANY money to pay any past due bills. Because of the constant oppressive language used by XXXX in XXXX, Ga I wish not to deal with them.
This is my second time reaching out to Experian, XXXX, XXXX XXXX to request a investigation on the following account. XXXX I am not requesting Experian to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting Experian to BLOCK the reporting of this account from being reported and resold by debt buyers.
Transactions updates take long I 've been waiting for the update of payments sinceXX/XX/XXXX
I was victim of a fraudulent charge on my military star card, I contacted XXXX  several times over the years through email ( fraud department ) and several phone calls to resolve the issue, not only It was never resolve but it has more than double, my calls are been ignored and my email not answered. this is not the first time I am trying to contact the department regarding the charges that were imputed to me. I have contacted the airline company and the information i received from them did not match my own. I asked to speak to someone in charge or some one who cares enough to investigate this, this has been causing a financial burden on me and my family as my wages are been garnished.

I even got my chain of command involved but we were always put on long hoold and hanged up on.

email dates Wed XX/XX/XXXX, XXXX XXXX Fri XX/XX/XXXX, XXXX XXXX XXXX ;
I purchased an item from XXXX XXXX XXXX. It was shipped by a third party shipper that was recommended by XXXX 's. When I received the item I tried to return it because it was damaged and not as described by XXXX 's. However, there was no damage to the packaging. The damage occurred at either XXXX 's or the shippers prior to shipping. At this point XXXX 's was unwilling to take the item back and tried to pass the blame to the shipper ( see " MyResponseToPNC.pdf '' ). I then contacted my credit card ( PNC ) companies dispute department and started a chargeback process on both the shipper and XXXX 's. After the chargeback process was started XXXX 's was then willing to accept the item back ( see " MyResponseToPNC.pdf '' ). However, at this time my credit card company ( PNC ) did not want me to ship the item back to XXXX 's even though they were willing to take the item back. The shipper after receiving the chargeback emailed me and stated there was no further payment due and the chargeback was accepted XXXX see " MyResponseToPNC.pdf '' ).. I then received a letter from the PNC credit card dispute department requesting immediate response to the response that XXXX 's ( see " MerchantResponse.pdf '' ) supplied to the chargeback. I furnished that information to the PNC dispute department outlining the multiple conflicts of fact and it is attached as " MyResponseToPNC.pdf ''. I did not receive any communication from the PNC dispute department regarding the chargeback to XXXX 's from the time that I submitted the " MyResponseToPNC.pdf '' on XX/XX/2016 until the rebill showed up on my credit card on XX/XX/2016. The occurrences that have transpired since XX/XX/2016 are outlined in the document " OccurrencesOfRebill.pdf ''. This clearly shows that PNC is at fault regarding this business transaction and have charged me for their error/s.
I challenged several items that were duplicated in my credit report that are affecting my credit and the information they are verifiying is not accurate, i contact the creditor and they told me to contact the credit burau since they are not reporting that and they do not provide who they verify the information with. Is hard to reach someone to speck with.
The company I have a loan through has n't applied any payments towards my loan and said they would be deducting once a month payments for one year of XXXX dollars each month now they are doing it twice a month and never sent over my payment dates just a generic payment plan with the amount you borrow but mine is different each month
After separation from my ex-husband, and subsequent divorce, I came to find out that I was still listed on our joint bank account and the balance had fallen into the negative. The negative balance associated with this account was well over {$1000.00}. I was fully unaware of the negative status of this account, and certainly had no idea that it had been charged off. I am still unsure of how it is legal for a bank to allow such an excessive charge to pass through, when there is no money in said account. In the terms of our divorce decree, it is stipulated that any and all debts incurred during the time of our legal separation are the financial responsibility of the party who acquired them. These charges were incurred solely by my ex-husband, and the bank associate even confirmed that it was clear to her, that the only debit card in use was his own personal card. Mine was entirely inactive. Even after calling in and pleading my case with the bank and offering to provide proof in the form of divorce documents, there was no consideration made to removing me from the liability of this debt. This debt affects me in two critical ways : I am unable to obtain any new bank accounts in the future until this debt is fully paid, and secondly, it is strongly impacting my credit score in a negative way. As a now single mother, I simply can not afford to pay for the gross financial irresponsibility of my ex-husband. That being the case, I feel XXXX should reconsider my request to remove my financial liability from this account, and the continuing mark on my credit, and be satisfied in pursuing XXXX XXXX for his debt.
I borrowed from XXXX towards my XXXX education at a XXXX DC university. While I defaulted on my loan payments in XXXX, I reached a settlement of my debts via a separate debt collection agency in XXXX, which I fulfilled completely by XXXX XXXX, per the settlement agreement. However, the collection agency claimed I still had outstanding debt, and when I asked for them to produce evidence of said debt, they refused. Since then, a handful of rotating debt collection agencies have sequentially attempted to collect this already-settled-and-paid debt. Most recently, I have received phone calls from an agency with no written correspondence to identify the presumed debts.
I applied for credit card in Wells Fargo recently and they approved my credit card and then closed all my accounts due to fictitious claims and fraud they filed against me without any due process. When i found out that i can used the card i then applied for balance transfer for the amount of XXXX dollars under XXXX card. It 's almost been 2 weeks since i did it and no response was made so i applied for a new card to take advantage of the offer of zero APR for 15 mos. I called Wells Fargo to follow up so that i can just consolidate my debt in one and they did approved the balance transfer after the conversation on the phone and then after that i was issued a letter informing me about the closure. They are very tricky since i had a feeling that my balance transfer will either be denied if i did n't have any card at all and so even if i still have doubts i continued the process. And what a co-incidence when my accounts was closed on XXXX XXXX, 2015 then the letter came in dated XXXX XXXX, 2015 closing the credit card while when i called earlier for follow up i was n't informed about the closure. So to make it short i applied for balance transfer again to another account to avoid any inconvenience and surprises under the company and i am waiving the balance transfer fee since i was charged XXXX dollars for savings account without issuing any checks at all and if somebody issued me a check or remittance they are the XXXX liable for any draft fee. I feel humiliated for their harsh treatment and being ignored in spite of my plea to prevent my account from closing too.
I was contacted by Preston Clark & Quinn ( PCQ Associates ) in XX/XX/XXXX regarding a debt for a charged off credit card from the XXXX XXXX. I established a payment plan with them to resolve the debt, and made 2 payments onXX/XX/XXXX ( from two separate accounts ) to settle the debt in full. The company never sent me a paid in full letter per the verbal agreement, and has been unresponsive to phone calls, voice messages, and email requests for the debt settlement letter or contact information. The original creditor recently started to withdraw money from my military pay in XX/XX/XXXX, which is how I discovered that PCQ Associates defrauded me.