WillisBack/dataset-financial-user-claim huggingface dataset:
Received cell phone call from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX on Wed, XXXX XXXX 2016. 

Call went as follows : Me : Hello? 
Caller : Hi, is XXXX there? 
Me : Who is calling? 
Caller : XXXX or XXXX? from ( inaudible ) - said while covering his mouth Me : From where? 
Caller : XXXX XXXX and XXXX Call was terminated at this point. 

The caller had very obviously covered his mouth with his hand to purposely obscure the name of the business so that the source of the call could n't be identified. 

That bears repeating. To ensure that I could n't hear who was calling, the caller covered his mouth when asked to identify from where he was calling. Nor did he mention that he was a debt collector. I had to come about that information by searching the name of the organization on the internet.
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT.
XXXX   purchased auto part from  XXXX  for  XXXX  Part did not match website description  XXXX   XXXX   XXXX  from merchant  XXXX  Returned to merchant and signed for via  XXXX   XXXX   XXXX  email support @   XXXX    asking about refund, no response  XXXX  Opened dispute with bank  XXXX  Closed after vendor promised refund  XXXX  Refund never issued, Re-activated claim  XXXX  followed up with bofa, refused to provide information on how to proceed
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Experian provided me with a response that they can not delete wrong addresses from my report because they store information provided by furnitures even though I have explain that I do not recognize such addresses.
Penn Credit Corporation continually called our home trying to collect a debt we did not owe with a false account number and amount owed. The woman on the phone demanded a credit card to pay off the amount due immediately. I refused to give information over the phone and asked for the creditor and account number for the amount due. I then called the City of XXXX revenue borough to make sure that I did not owe money. Penn Credit had given a false account number and tried to collect over {$4000.00} not owed the city of XXXX. I can only assume this is a scam!
My daughter has XXXX private loans, initially thru XXXX XXXX, and now those loans are being serviced by Navient. Since the loans became due ( XXXX ), monthly payments have been made. When the loans were serviced thru XXXX XXXX, a lower interest rate was negotiated, which helped lower the monthly payments for one year. Since Navient took over servicing, they will not work with us to lower the interest rates ( 6 % and 8.125 % ). Since XXXX XXXX, Navient has also applied the total monthly payment to interest. When I contacted customer service, I was told this was to pay capitalized interest. To date, they have applied {$3500.00} to interest. The amount of the loan never gets lower. When I go back thru the history of the loan, 'capitalized interest ' has always been a line item in the detail, but there is no line item for the amount they claim is interest. The payment for the second private loan is always applied to both principal & interest. Navient customer service is absolutely NO HELP in resolving this issue. And, I do n't know who to contact for assistance. I am repaying these loans in good faith, and I want the correct portion of the {$3500.00} that 's been applied ONLY to interest, to be applied to the PRINCIPAL of this loan.
Hi there, I initiated a money transfer through Western Union Money Transfer company on XX/XX/XXXX. They promised that the funds will be available into the receiver 's account within 5 business days. But, it was not available even today which is XX/XX/XXXX which is more than 2  months. I was even not able to get any information on the issue. The only information I can get is that there was a pending verification. This is the only information I can get from both my online account and even from the Western union customer care. I did all the procedures which they had suggested me. I was keeping n calling them from these 2 months as there was an urgent need of this money to my receiver ( my father in XXXX ) but none of them were able to solve the issue. I was kept on call being transferred from one department to other department. I literally spent atleast 40-60 hours on call and chat with them. But each time they kept considering the issue as new one. I didn't see any kind any progress on my issue. Finally, I was fed up and lost hope that the issue would be resolved. Hence, I'm filing this complaint. Hope, the department would take necessary action and help that my funds would be available to my receiver. Thank you.
I financed furniture through XXXX XXXX XXXX financier XXXX XXXX. Shortly after getting the furniture, I was put on XXXX XXXX XXXX for 6 months. That was the first time I attempted to contact them to make alternate payment arrangements as I was not receiving a full salary. Upon returning to work, I was intermittently on unemployment due to my employer doing a complete restructure of my job site. I, again contacted XXXX to advise them of the situation and make payment arrangements. They advised me that they do not make arrangements and would not be willing to make any arrangements. Auto drafts from my account were being done by the company throughout this period however they stopped taking the payments after XX/XX/XXXX. In the interim, I contacted them again to set up arrangements to remove late payments and get my account in good standing, however the company refused to provide any payment arrangements. Since then, they have placed this account for collections with JJ Marshall. I sent JJ Marshall a letter via certified mail asking for validation of the account. This letter was sent out on XX/XX/XXXX. While I have not received a response to this date, I can confirm that the letter was received on XX/XX/XXXX. USPS tracking number for the letter sent to the Collection agency is XXXX. Today on XX/XX/XXXX, I got notification that they attempted to serve me with lawsuit papers. I have yet to receive any information directly from the creditor, however they have removed the collection from my credit report. I am filing a complaint because the account is no longer listed as being held by the company attempting to sue me ; a company that has not responded to my written request for supporting documentation ; and the original creditor refused to provide we with any comparable solutions for repayment of the original loan amount.
A company name d Midland Credit Management ha s been hounding me for years over an alleged  XXXX  debt. The debt in question was bogus in the first place, and is well beyond the statue of limitations anyway. I have repeatedly made them aware that the debt is not legitimate. I have even succeeded in getting them to admit it themselves, several times. They have also admitted it is past the statute of lim itations. They have never affected my credit report, they have made it clear that they can not and will not persue legal action against me, and they are usually fairly polite. They just NEVER STOP CALLING. I have made dozens - if not hundreds - of requests for them to stop contacting me. I receive 2-3 letters a month, and a minimum of 3 phone calls a day. When I block the number, they just call back from a new one a few minutes lat er.
I signed for a 4 year auto loan in XXXX 2014 with an interest rate of 23.99. My monthly payments were {$360.00}, however recently for the past 6 months my payments jumped to {$390.00}. I have NEVER missed a payment or have I ever been late. I do not understand their explanation as to why my payments went up, even though I have full coverage insurance they are still charging g me their insurance fees. I 'm very confused and want my case looked at.
I had a bill for {$160.00} and it was payed off a year ago. It 's still on my credit report. Attached is my receipt proving that the bill was payed. I 'd like this off my credit report asap.
Astoria Federal Savings, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXXThe bank above is involved in bait and switch selling. I have a CD on deposit there which they insist on substituting for a mutual fund. They will not listen to me or answer any questions about the CD account ; nor provide a contract, terms of agreement or method of payment for the mutual fund. All they repeat about the CD is " You do n't need it, '' - which they bark out almost in unison - with out submitting any proof. The pressure is unbearable. 
I am a retired US citizen living XXXX. I am XXXX years old, unemployed and a XXXX. I have documents to prove my medical condition. I visit the USA every year to try and wire back some money for living expenses. My US address is in XXXX NY. I am going to travel to the USA later this year and try again. If I meet with the same opposition again, what should I do?
There is a certain debt collector known as XXXX XXXX XXXX that is repeatedly calling and harassing my poor old XXXX year old grandmother on the basis of a debt I DO NOT legally owe. I am a resident of XXXX, where the debt should have expired last year, yet they call her at her number in XXXX, where I do not know how they got that number, as I have had no communications with them. What actions should I take to assert my rights and my grandmother 's privacy?
this debt is for an appointment that i missed with a doctor ive never met. I called her to explain that i was sick that week. It didnt matter, her policy is to rip off the public for a missed appointment. to the tune of {$100.00} for no services rendered. XXXX XXXX XXXX XXXX in XXXX, Pennsylvania.
Based on the TFDCPA : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.I like to build this case on the collection company in hand because they do n't have the right to collect any debt in the State of Texas. They have sent me a packet XXXX/XXXX/2016 trying to collect in my state without the proper legal document require to collect in the state of Texas.
IN REGARDS TO : EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX GA XXXX. I HAVE SENT COUNTLESS CERTIFIED DISPUTES AND LETTERS ON BEHALF TO EQUIFAX THAT THEY ARE REPORTING INOFRMATION THAT DOES NOT BELONG TO BE AND IS FRAUDULENTLY OPENED OR BEING REPORTED ON BEHALF OF OR MY SOCIAL SECURITY NUMBER OR NAME AND I AM NOT VERY HAPPY ABOUT THIS. XXXX XXXX XXXX ARE BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT AND NEED TO BE REMOVED IMMEDIATEDLTY. I HAVE NO BUSINESS WITH THIS COMPANY OR RELATIONSHIP OR DEALINGS AND I DONT UNDERSTAND HOW THIS COULD BE HAPPENING TO ME. WHY IS EQUIFAX NOT REMOVING OR DOING PROPER INVESTIGATIONS LIKE THEY SHOULD BE DOING.
I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX no idea. 
XXXX card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX Wrong/ It is XXXX XXXX XXXX XXXX 
At one point I was listed as living in Montana AND a P, O, Box in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX doctor  from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there.

I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 months.
I opened a Credit Card with XXXX XXXX ( XXXX XXXX Credit Card ). The account was only opened for a few weeks before XXXX XXXX closed my account with no reason at all. This company should not approve customers if they are going to close the account weeks.
I am a co-signer on a vehicle my daughter purchased using Santander Consumer loan company. My daughter fell behind in payments, vehicle was reposessed in XX/XX/XXXX. The original loan was {$12000.00} for XXXX XXXX XXXX. My daughter made payments of {$550.00} a month for a year in XX/XX/XXXX. After vehicle was repossessed I received a receipt that the vehicle was sold after repo and there was a {$12000.00} unpaid balance. After fees for late payment, retaking vehicle and cost of selling vehicle there is still a {$7400.00} balance due. 

Santander did not take into account the payments that were made in XX/XX/XXXX, which should have made the remaining balance much lower. I believe Santander prey on minorities by charging double the going interest rates over 29.99 %
I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from Loan Depot and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given XXXX XXXX OR XXXX Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX
I never had an account become delinquent with XXXX XXXX XXXX nor did I receive any notice of missing payments or a collection account. Just now I came across this supposed account by checking my credit report. I want proof it belongs to me or for it to be removed from all credit bureaus immediately.
I have attempted to get connected with the Office of Consumer Affairs with both a CSR and a supervisor to resolve issues with my credit file. Consumer Affairs refuses to take my call and say they can not help.

I pull my report daily and each time I pull the report ( using TrustedID provided by Equifax ), it adds an entry for a soft pull. On two previous occasions, I have been unable to pull my reports and have had to call Equifax. They then connect me with Consumer Affairs to assist me with the issue. Consumer Affairs states that they have to send my file over to internal IT to have the file cleaned up - which takes a couple days. Eventually, I am able to continue pulling my credit report again - after Equifax internal IT has cleaned up the file ( I assume they are removing the soft inquiries manually ).

As mentioned, I have been through this process twice before. Each time, it has been extremely difficult to speak with someone in Consumer Affairs, but eventually I have spoken with someone and they have been able to help. 

This time, however, they will not take my call. The Equifax CSR and her supervisor do not understand what I am asking for and Consumer Affairs rejects the transfer each time. I just want to speak with Consumer Affairs to get my issue resolved. I am sure that after I speak with someone in that group, it will be a very easy conversation. This is much more headache than it needs to be.
I want to know why Nationstar Mortgage , LLC was able to legally secure a Lender Placed Flood Insurance Policy with an annual premium in the amount of {$1600.00} on a XXXX mortgage with a principle balance of approximately {$3600.00}, when the previous year 's annual premium was {$44.00}, which covered their interest on my XXXX mortgage with a principle balance of approximately {$4900.00}. Not only did the annual premium amount change, but the coverage changed from {$4900.00} to {$180000.00}. I already had flood insurance coverage on my XXXX mortgage for {$180000.00} and the principle balance on that loan was {$100000.00}.
Capital One placed an unauthorized inquiry on my credit reports with the three bureaus. I never authorized them to pull my credit nor did I apply for any credit cards with them. they are reporting an unauthorized inquiry fro XXXX XXXX, 2013. Please have them remove this. thanks
We are working on a short sale of the home. SPS has told us numerous times by telephone and in writing that they would have a response to us on or before XXXX XXXX, XXXX. To date, they have not responded, and sent a later letter that they claim was dated XXXX XXXX, XXXX, giving them an additional fifteen ( 15 ) " business days '' to respond, however, nobody has received that letter - though SPS sends several collection letters to the borrower 's house each day.
Barclays Card close my account in XX/XX/XXXX and i tried to pay it current. Barclays Card Charged off the account in XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX bought the account. At the time in XXXX i did not know who they were so i did not answer most of their calls. I eventually talked with them and tried to work something out, but then i got repeated harassing, threatening calls with profanity in them. In XX/XX/XXXX, I became unemployed, homeless, and let them know that, however the calls came in until finally i blocked their number. 
Their threats came true in late XX/XX/XXXX, first week in XX/XX/XXXX when i look at my credit and found that XXXX XXXX XXXX went back in and rated the Barclay Card account as Charged Off ( CO ) for every month since XX/XX/XXXX to present. This has caused me distress, as i was almost homeless again, because of their rating this account CO for all the months back to XX/XX/XXXX. I am a XXXX veteran and i'm trying to rent an apartment, but can't until i get this resolved. 
I talked to them again today and still nothing. I talked to Barclays to try and get a letter stating that the account was closed in XX/XX/XXXX and Charged off XX/XX/XXXX. Still waiting on the letter from Barclays. I have also filed a claim with XXXX to correct the account. I have reported this company before for the abusive nature and tactics they take.
JP Morgan Chase made a hard inquiry on my credit on XXXX XXXX, 2016 without my authorization to do so. Upon notification of the change on my credit I investigated the matter and notified JP Morgan Chase. They sent me a letter dated XXXX XXXX, 2016 stating that they contacted XXXX, XXXX and XXXX and asked them to remove the inquiry from my credit profile. On XXXX XXXX, 2016 the inquiries was still not removed from my profile. I contacted the credit agencies who then informed me that JP Morgan Chase never contacted them and therefore the hard inquiry is still on my credit profile. I contaced JP Morgan Chase again and then proceeded to dispute the hard inquiry with all the credit agencies. I received a letter from JP Morgan Chase dated XXXX XXXX, 2016 which is identical to the first letter they sent which says that they confirm having contacted the credit agencies and asked them to remove the inquiries from my credit profile. This has still not been done and it is likely to affect a life-important transaction I am about to make with my husband. This is definitely not acceptable and this matter must be investigated by a higher authority since I am unable to do anything more than I already have. Both letters referenced above is attached hereto. 
Sincerely, XXXX
Personal lien just showed up on my credit report, about a month after it was completely paid off. The credit report does not show its status at all, implying it is still active, and it should appear in some sort of closed/fulfilled state. I tried to report the problem to Equifax, which provided the credit report to XXXX, where I saw it. Their webpage did n't load anything at all, just had " Please wait for page to load '' in the header. [ https : //www.ai.equifax.com/ ] I tried to call them at the number given at the bottom of the report I saw [ also contained with the Vermont Consumer Notification ], and there was no way to talk to someone about this there.
I feel that trans union is artificially holding my credit at a lower level to force me to pay higher interest rates. I will be forwarding a copy of my credit report to both the  U.S Attorney and the Nevada States  Attorney.
I have a checking account with Bank of America but am told I need a Social Security Code to obtain same, am also being asked to pay {$28000.00} for the privilege!! 
Is this just another Scam? 
HELP!!!
GM Financial has the worst telephone customer service because they just make excuses and try to place blame on the consumer. They have no empathy and offer no solutions. When asked to speak to supervisors their employees say that their is no one above me. 

On XX/XX/2018 I was contacted by GM Financial to make a payment that I was 27 days late on an auto lease payment that was due on the XXXX. I did not have my bank account information on me at the time and so I came home and made the payment online and also changed my bank account information. The reason that I was late in the first place is because I changed my bank account and had closed my old bank account that was linked to the lease account on a reoccurring payment plan ( ACH ). I changed the XXXX XXXXk account information to the new bank account that I had established for the one time payment and also for future payments which I also thought was changing the ACH account. 

I just so happened to be looking at my GM accounts again in XXXX and then noticed that the automatic payment had not been pulling. I immediately made a payment and called customer service. Customer service told me that in order to establish a new ACH account that I would have to send a cancelled check and an automatic payment enrollment form. She was wrong because I successfully set it up without having to do that. I just went online and set it up as I thought I had before. The issue was that the reason it had not gone through before is because customer service first has to remove the original payment account. You would think that as a multi-billion dollar organization they would have a streamlined process in order to change the automatic payment details on your account. Aside from that the customer service representatives make no effort to properly inform the customers of the steps needed to change this as the first representative that I spoke to in XXXX made no indication that I had to do that. 

My XXXX has gone down from a XXXX credit to a XXXX average XXXX score with the three different credit bureaus and GM Financial gave me a fax number to write to dispute their reporting to the credit bureaus.