WillisBack/dataset-financial-user-claim huggingface dataset:
I have been on the DNC list. 
I disconnected my services from XXXX XXXX. 
It took them a few month to get my final bill to me. 
When the bill of {$150.00} arrived I made a partial payment. 
The next bill arrived I did the same. 
I made another payment leaving my balance of {$100.00}. 
When my check of {$36.00} was enroute to XXXX the calls from XXXX started calling me eventhough I was making payments. 
They are relentless calling about 6 times a day. I told them I would report them to the FCC and they continued to call. Why XXXX submitted my account to them is beyond me when I was making monthly payments. This telephone number is not associated with any name, plus they started calling within the right time frame. It 's still disturbing especially since I am a senior citizen and have sleep issues as it is. Thank you
For approximately the past two months I have been harassed by First National Bank. They leave messages for a person other than me to contact them. I am not that person, and I have had this phone number for the past 15 years at least so most likely that person never had my number. I answered the harassing call once and advised the person on the other end of the above but the harassing phone calls have continued. Most days they call twice per day, sometimes 3 times per day.
My husband died XX/XX/XXXX. We had fallen behind on our mortgage payments with Ocwen Bank and they threatened to foreclose. We can not make any more payments because our income is very low. They call our home and cell phones XXXX times a day 7 days a week. California just passed a bill to stop robocallers. Can you please help me? Thank you.
I have disputed the late payments on XXXX XXXX account for months. XXXX and Experian refused to reverse the late payments. 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
As of XX/XX/XXXX, requested inquires to be removed from your files : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding inaccuracies in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by over 30 companies. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX  XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
I overdrew my bank account in XX/XX/XXXX and received a letter from CU Recovery collections. I called them to inform them the payment would be made to the bank not the collections agency. Afterwards ( the same day ) I verified this at my local bank with the bank manager and was ensured I could pay at the bank and no penalties would be levied against me. Again today XX/XX/XXXX I got another letter stating I owed the full amount when in fact I have paid down the original debt of {$420.00} to {$170.00}. This company is trying to collect the full amount AFTER being informed that they would not be needed.
I contacted Experian through their website to request that a fraud alert is added to my credit report after becoming aware that I was the victim of identity theft. Their system told me that my request could not be processed online. I downloaded a form that I printed and mailed with a copy of my driver 's license and my Medicaid eligibility determination letter to prove my identity. I don't have regular medical insurance, bank, or credit accounts. Yesterday I received a letter telling me that they can not process my request for a copy of my credit report and asking me to buy one. I did not request a copy of my credit report. I only wanted that a fraud alert is placed on my credit file.
We modified our mortgage XXXX once in XXXX and again in XXXX. Somewhere in that process our current mortgage servicer Ocwen, ( who absorbed our previous mortgage lender, Litton Loan Servicing LLC ) lost documentation regarding those modifications and now claims we owe {$40000.00} and they have issued a lien on the title. 

Facts : We have documentation showing that Litton Loan originally purchased our mortgage from XXXX in XXXX. This mortgage was an " XXXX '' split, attached documentation shows Litton purchased both " parts '' of the mortgage. 

Between XXXX and XXXX we modified the loan with Litton because of inflated interest rates and a payment we could n't afford. the modification was completed and our mortgage was then placed with Ocwen as a result of the government shutting down Litton Loan for bad business practices. Litton Loan had a difficult time during this process answering our phone calls and responding to our requests for documents. 

Ocwen then odified the loan for us again after taking over for Litton because the property was not worth anything close to what was owed. In fact, at that time they forgave more than {$98000.00}. We have the XXXX cancellation of debt, tax information, forgiving that amount as proof. This was complete late in XXXX. Interestingly, Litton never issued this documentation to us, we did not realize this was a requirement they should have fulfilled until we received XXXX from Ocwen. 

During this time we have never been contacted by either Litton or Ocwen to say that we owed an additional amount of {$40000.00}. In fact, we specifically asked time and again if we would ever be attached the amounts forgiven in either modification, to which the answer was always " no ''. 

Ocwen also claims to not have certain paperwork that we have requested, paperwork that should have been record given to them when they absorbed Litton. 

Now, we have sold the property and are trying to close on XXXX XXXX, XXXX and need a discharge of debt because there is a {$40000.00} lien on our title, which Ocwen refuses to issue and claims they have no further information on. Their research department was being cooperative and about 1 week ago they stopped helping us. 

We therefore are requesting help in compelling Ocwen to issue a discharge of the {$40000.00} debt and are filing a complaint against the company.
My wife and I received a letter dated XX/XX/2018, that all of our accounts, including my daughters savings account, were being closed. There was no reason given, and I attempted to find out why and was shut down. I have requested a copy of my report from XXXX XXXX, and as of now, have no idea why my accounts were shutdown. I have not overdrawn any of my accounts.
On XX/XX/XXXX, I was issued a loan from XXXX XXXX for {$1000.00}. To date, I have paid {$1000.00} which has cleared and posted plus another {$200.00} which is in process for a total of {$1200.00}. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$1000.00} loan, the fees collected should be {$150.00}. Once my XX/XX/XXXX payment of {$200.00} has cleared, I will have paid {$1200.00} exceeding the {$1100.00} allowed by South Carolina law. 

The XXXX website does not show a balance due, however, indicates payments of {$200.00} are to continue bi-weekly until XX/XX/XXXX. After the XX/XX/XXXX payment, this means I will have to pay another eleven payments of {$200.00} or another {$2200.00}. This will result in my paying {$3400.00} for a {$1000.00} loan. 

This is PREDATORY, OBSCENE and APPALLING!!! XXXX XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 

Once my XX/XX/XXXX posts to my account, I will have paid {$1200.00}. XXXX XXXX will have received the {$1000.00} back plus {$200.00} in fees. At that time, I want my account marked " Current/Paid in Full/Closed ''.
I submitted all required information that was asked for by the website and then something poped up asking questions from one of the credit bureaus to verify my identity and i answered all questions correctly and to the best of my knowledge and it denied me because it could not verify my identity. I have already reported identity theft to the Federal Trade Commission. Please contact me as soon as possible.
According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my XXXX credit report and affecting my credit score.

1 ) XXXX suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked. 

2 ) XXXX reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party.

b ) Comments 2 reports : " payment is payroll deductible ''.
I am frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted XXXX, Transunion, and XXXX via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX XXXX XXXX XXXX in the amount of {$550.00}
A XXXX fake bill collector imposter? or someone called my relitives house threatening that they were serving papers to my house or my place of work claiming they were giving me a two hour window to respond threatening legal action ..and insinuating arrest and they didnot have permission to call my ex husbands house. The number is XXXX. My XXXX complaint is a bill collector Portfolio Recovery collection agency repetitive blow up my phone calls kinda business continues to call and harrass and I dont even owe them. I had to change my ph number XXXX to avoid there company dial calls. I ask them several times to stop and they wont. they claim that I am whomever there after and are very persistent about it and demanding ... Please make them stop immediately
XX/XX/XXXX Bank of America transferred my title to XXXX XXXX by fraud upon the court. Racketeering, forgery, false affidavits, mail fraud, wire fraud, FALSE PROOF OF CLAIM, EXTORTION TO PAY OR SEIZE MY PROPERTY. A {$130000.00} refinance was grossly inflated to {$430000.00} debt filed in the Federal bankruptcy court seeking relief to go back to the State court for eviction. They took away my homestead exemption since XX/XX/XXXX. I AM NOT IN DEFAULT BY PROVSION 4. THE DEBTORS RIGHT TO PAY OFF THE LOAN IN FULL. 8 years litigation (XX/XX/XXXX -XX/XX/XXXX ) instead of fixing errors. QWR never fixed. {$54000.00} in illegal kickbacks added to my debt. Countrywide was a scam not a mortgage loan. We all know it. I demand my property returned and my title restored. The certificate of title was fabricated as well. No legal chain of title. No bank will finance this property FACT. TEXAS NOTARY XXXX XXXX XXXX was a willing participant with the XXXX XXXX XXXX XXXX IN XXXX - RE FILING inXX/XX/XXXX-XX/XX/XXXX the same documents to steal my property thaXXXX XXXX XXXX XXXX fabricated. So, is racketeering legal if you work for BANK OF AMERICA - is forgery legal??? No justice in 8 years. WHO PROSECUTES, WHO INVESTIGATES?? PRIVATE auctions are held to cash only investors and foreign investors Why? Because no bank will finance title fraud. Not one investor bid on my property because of the title damage. 5 law firms are guilty of civil theft aiding Bank of America XXXX and a XXXX XXXX XXXX   ( 1 ) this is a felonious intent with malicious harm to evict with no legal standing. XXXX XXXX  was sent 2 certified letters to resolve and took no action for pay off. I am not in default, I can afford a mortgage, but not extortion. I want an investigation and my property returned, title fixed, homestead restored.The government needs to be transparent and I request full disclosure under the freedom of information act - why has no one has taken legal action of crimes of property theft in FLORIDA. Why is an XXXX XXXX   over the age of XXXX constitutionally mandated to retire working full time at age XXXX?? violating constitutional law and aiding Bank of America to steal my property?? I want an investigation that has been swept under the rug for 8 years. Sincerely, XXXX.
I called Transunion to help me remove inquiries that I did not authorize they told me I had to get letter of deletion from the company that ran my credit which I dont know who and why if I say it was an unauthorized inquiry they should take action.. XXXX XXXX XXXX XXXX those are the three companies I asked Transunion to dispute because I know nothing about them
I am writing about a collection account with Advanced Collection Bureau. This account was disputed and removed from my credit reports back in XXXX 2016. Now all of a sudden it has reappeared on my credit reports and I have disputed it on multiple occasions without any resolve. I am also under the impression that this agency is not license to collect in my state
I inherited XXXX pounds sterling from my brother in XXXX. 
My XXXX  attorney sent it to my US account with Citizens Bank. 
I received {$77000.00} on XX/XX/XXXX of this year. The effective exchange rate applied was 1.245. 
At that time the spot or inter-bank exchange rate was 1.3, at that rate I should have received {$81000.00}, a difference of {$3400.00}. 
I was charged an overt {$10.00} transfer fee but the additional {$3400.00} constitutes a hidden fee that bears absolutely no relation to the wire transfer service performed. 
When I complained, the bank told me that the 1.245 rate was their " client rate '' and that it was applied whether the amount transferred was {$1000.00} or {$200000.00}! 
For {$1000.00} I would call that fair but for {$80000.00} it is exorbitant.
Experian is continuing to report collection accounts from XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that do not belong to me. I have disputed the items with Experian but they were not removed. I have contacted the debt collection companies directly and let them know the accounts are not mine. I asked XXXX XXXX XXXX and XXXX XXXX XXXX to verify the accounts but they never did. The accounts are lowering my credit score which causes me to miss financial opportunities as well as lose job opportunities.
A collection account showed up on my XXXX and XXXX credit reports from XXXX XXXX XXXX in the amount of {$1600.00} dated XX/XX/2017. I have no knowledge of this account and received NO communication, letters, or correspondence from XXXX about resolving this account. The phone numbers listed for XXXX either send me in a hold loop or no one ever answers.
In Texas, took a {$10000.00} loan with XXXX XXXX. I have paid at this time $ XXXX and still showing a balance of XXXX. I understand that you have filed against them and other consumers no longer have to pay these. The interest rate supposedly was 89 % on this loan. I believe Texas has a cap? Can someone identify this for me?
Applied with 5 different mortgage bridge loan banks. I have NO debt and started with an XXXX credit score. Every time the bank inquired about my score, it went down. Nothing else changed!! I still have NO debt and pay bills IN FULL every month. Why was my score penalized merely for inquiries?
JP Morgan Chase instructed their servicer XXXX to deny the short sale after XXXX verbally informed me that because the offer recieved was so much higher than their BPO, we would not have a problem getting the short sale approved. When we asked XXXX why the short sale was approved, we were told that the reason is because the homeowner had only been 1 month late. This was after we submitted the homeowner 's financial documentation showing that due the the homeowners medical situation ( recovering from XXXX ) he would be unable to make the mortgage payments to the first & second lender on top of a $ XXXX a month HOA payment. When we asked XXXX if things would be different should the homeowner be significantly delinquent, I was told yes. Now, XXXX has once again forced the homeowner to apply for a DIL after we were told he wouldnt qualify. In the meantime, the homeowner has become aware that in the state of California, if he does do a XXXX, he will owe taxes on the deficiency whereas if he does a short sale he will not. In addition, a DIL will show up as a foreclosure on his credit and he could be facing taxation from the IRS and XXXX.
I was contacted and left a voicemail by the same person three times in one week claiming to be XXXX XXXX representing XXXX. She stated on the voicemail, she was contacting me regarding legal complaints that are stemming from XXXX, that is attached to my name and then she stated the last XXXX numbers of my social. ( XXXX is my bank. ) I contacted my bank. They did not know anything about this. They put more security on my account deciding this could possibly lead to identity theft. Then I received another voicemail from XXXX XXXX, this time more information. She stated she was contacting me in regards to a check and fraud charge, that they have been asked to file against my name and social security number. Then by the third call XXXX XXXX left a voicemail that she received several legal complaints in her office regarding fraudulent allegations that are attached to my name and social security number. This was very upsetting because I did n't know who, XXXX was, and XXXX XXXX stated in the first voicemail that my bank, XXXX, was where the legal complaints were stemming from. My bank stated they do not have any legal complaints out against me. So she was lying. I was tired of the constant threats on my voicemail. I called the number XXXX to contact XXXX XXXX. She wanted my name, I stated I would just give my phone number. Then I waited and there was silence. So I just began speaking, " I would like you to stop contacting my number ... '' but before I could finish she started screaming at me that this was Ace Cash Express! So I said, " What is XXXX? '' That is who she said she represented in all of the voicemail 's. She said, '' They were going to file fraud charges against me, but was yelling at me and very unprofessional altogether. I could n't get a word in. It was verbal abuse, and I was n't going to take it. I ended the call. My phone rang and it was the number I called. She was calling back and I did not answer.
Made a deposit on friday XXXX/XXXX/2015 it has not loaded to my account my direcr deposit was loaded to my acct card reflecta XXXX balance cant get no help from Rushcard
I have never requested to have my Chase College Checking account switched to a Premier Plus Checking account, nor was I notified of the $ XXXX monthly service fee that penalized users when their checking account holds less than a {$15000.00} balance. Yet JPMorgan Chase Bank & Co took it upon themselves to do just that and then charged me a $ XXXX monthly service fee from XX/XX/XXXX XX/XX/XXXX. When I finally caught on to what was happening I demanded to be refunded but was told their system only permits a refund for 5 months of service fees, despite this dating all the way back to XXXX of XXXX. Customers should not have to monitor their bank statements in fear of their accounts changing in ways that allow the bank to charge their accounts. I also should not have been blamed for not having caught onto Chase Banks shady behavior until recently. 

This is unacceptable, and I will see about my college, The XXXX   XXXX University issuing out a mass warning to all 45,000+ students to which Chase is currently advertising their services to. College students should be warned that when they create a new Chase College Checking account, they are in danger of their account being switched so that Chase bank can accrue monthly service fees, as is the case with Premier Plus Checking account. But most importantly warned that JPMorgan Chase Bank & Co  happily does so without the consumer 's consent.
Hi, I have been monitoring my credit scores with XXXX and Equifax. I have some derogatory credit history ( including a settled judgement ) caused by periods of unemployment. Consequently, I am not able to get much of a credit line. However, I am maintaining a credit card account with XXXX XXXX. I have a {$500.00} line of credit with this card and use it frequently for small purchases. I often use nearly all of the available credit. Then, I make a payment of typically $ XXXX dollars well in advance of the due date. My credit sources inform me that both XXXX and Equifax have lowered my credit score because I used nearly all of the available balance. My question is this : If my score can be lowered for using nearly all of my balance, why do I not earn points for paying ten times the minimum and paying it two to three weeks in advance of the due date? This is clearly an unfair business practice and, I believe, grounds for a federal lawsuit for defamation. 

XXXX XXXX
Northstar Location Services , LLC ( NLS ) initially contacted me on XXXX XXXX, 2016 when it mailed a letter proposing that I settled an expired, outside the statute of limitations, debt. This letter was their initial contact with me pertaining to this debt. NLS has not contacted me after this initial contact. The letter did not contain the right-to-dispute the debt disclosures.
There are several inquires listed through a company named XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull their credit three times in one month?
I received extensive XXXX services approximately XX/XX/XXXX my daughter received some minor services on the same date XXXX XXXX 2 to be exact they charged for 4 total she never received 2. I paid up until XX/XX/XXXX and I continuously asked for an itemized statement showing that the 2 charges of {$180.00} each totaling {$360.00} were removed and that I would not pay any additional money until I received this statement. on XX/XX/XXXX I went into the office and spoke to an employee XXXX who stated my account balance was $ 300- {$400.00} but he did n't understand the accounting of it and that XXXX who was in charge was on vacation and he would have him call me 2 weeks passed and I called and left message with XXXX for XXXX to call back he never returned my call. On XX/XX/XXXX XXXX text me stating my account would go to collections for non payment I advised him I have never received an itemized statement as I had requested he stated I could request from collections agency. I received a collection letter on XX/XX/XXXX in the amount of {$740.00} I will also be sending a letter to them.