WillisBack/dataset-financial-user-claim huggingface dataset:
Closed XXXX account and dropped off equipment to the old XXXX store. Account was closed. XXXX later sent me a bill for non-returned equipment ( Old equipment prior to closing account ). I advised them when the contractor came out to set up a new wireless modem, that the service member stated he would return the old equipment for us and that we should not have to worry about anything. 

I explained this to XXXX once I received a bill and they agreed. 

A few months later I was placed on collections. I went into the store and called XXXX. both places stated they would resolve the issue and get it taken care of ( XXXX was the name of the manager I spoke to at the XXXX building ). 

The account was closed and removed from my credit report ( On consumer credit ). I went to go refinance my home and see the account is closed but states I still owe XXXX dollars. I should not have to pay for something I did not do wrong with from the start. And shouldn't be spending time attempting to resolve an error on the organizations time which in tern hinders my credit.
Hi Equifax hope you having a pleasant day, I am sending this to you again, there is a fraud Address on my report and I have asked you guys to take it off. The fraud address is XXXX XXXX XXXX XXXX il XXXX Please remove this fraud address. I have submitted copies for the 8th time to prove who I am Thank you. 
I was out of the country for awhile and I had a lot of Identity theft.
I wrote a letter to the company via fax about putting money against my principal to lower my loan interest at the end of the year. Instead of me keeping my money in the bank with .o8 % interest versus my loan interest which is 3.375 %. The company, did not respond for about two weeks. I call up the customer service and I was told there is a fee of {$50.00} and I was also told that they have a procedure, called the " recast '' that I needed to follow. I told the lady whom I have spoken with to send me the instructions for me to follow.

I received the instruction asking me to pay {$250.00} for processing fee. When I applied for the loan. I remember there is no pre-payment penalty. All I want is to reduce my principal balance and pay my loan as soon as possible and do not want to go to their long process with a big fee. I wanted to pay my loan now but I am still short.

If needed, I can send you a copy of my letter to the company about my intent and a copy of their procedure with regards to this matter to be more specific. I have experienced to pay off my mortgage loan before at no cost with only a minimal fee for money transfer. Thank you.
On XX/XX/XXXX my mother received a phone call from " XXXX XXXX '' who apparently was attempting to contact me. I had not received a phone call, and the individual who called was not only rude and unprofessional, she indicated he disclosed information he should not have. I did contact " XXXX XXXX '' the next morning, XX/XX/XXXX, asking what this was in regards to. He refused to provide me with an address where I could send a request for validation, also refusing to provide further information about the company he was calling from when asked. He would cut me off as I was trying to ask a question, and then proceeded in threatening this account would be escalated to management to pursue. I do not feel any of the communication tactics XXXX XXXX used were appropriate, as I am entitled to request validation, and withholding information such as an address or the spelling of your company 's name is misrepresentation.
dear sir-i am trying to do loan modification with caliber home loans send them all they asking 3 time -- -call and tolk to about XXXX rep from there co, every one tell me something different -- send them with the USA mail service register with the return receipt all the ask..i am asking them.-to validate the debt -- -- -- debt validation -- -- -- not account summery.-also to send me a proof theta i have contract with them, i also need there tax registration certificate, than you-XXXX.
My son and his wife forged my wife and my signatures on an apartment lease. I filed a fraud charge to Rentdebt automated Collections and provided proof to them that it was not our signatures. To date it still shows as a collection account in my credit report. It 's been over 3 years now and it 's still there. 

This was in XXXX, XXXX. back in XXXX. We lived in XXXX XXXX, XXXX. at that time.
Brother in law took out a home inprovement loan and then became XXXX. He fell behind in payments and his brother discovered home was in foreclosure. on XX/XX/XXXXwe contacted the Mortgage company who passed us around to their lawyer, and Public Trustees office. on this date we explained we had the funds to cure and pay off the loan and requested the cure and payoff numbers be provided to have home release fron foreclosure. n onXX/XX/XXXX we reached ot to congressmen XXXX 's office for assitance after we were told it would take 14 days to get the figures requested, The sale date was set for XX/XX/XXXX and we did not have 14 days. Congressmen XXXX 's office did assist us getting the cure to stay until XX/XX/XXXX. I have contacted the Mortgage company several times since and I have been given several different stories and excuses on why we have not received the information request. I have faxed the Power of Attorney twice, hung up on several times and not once have I spoken to the same person. the home is valued at XXXX to XXXX and we believe the Mortgage company is stalling so they can sell this home for a profit. We have the funds to payoff the loan and it is our desire to do so. Please note during the last two weeks our Brother was XXXX and then went to XXXX XXXX to get his strength back and has no funds of his own to take legal action.
I have XXXX issues with Ocwen Loan Servicing , LLC that I am in need of assistance. 

Ocwen purchased my mortgage from XXXX XXXX XX/XX/XXXX. On my XX/XX/XXXX tax statement from XXXX XXXX they have clearly waved any fees that I had acquired during the 18 years they had my loan. However, Ocwen is claiming that I owe them for these fees, amount of {$860.00}. They also have charged me an additional {$1000.00} in fees in less than a year. As of the XX/XX/XXXX statement Ocwen is charging me a total of {$1800.00} in fees. 

I have sent three letters to Ocwen questioning these fees, with no response. I have phoned their customer service department 4 to 5 times and received no assistance, or they suggest I send a letter to the same address that all my letters have been sent. 

Ocwen has been sued by nearly every state they do business, including Illinois for their unethical business practices, including exurbanite or unlawful fees. I have been late on some payments and expect some late fees, but over a thousand in a matter of months, seem very wrong. 

My second issue with Ocwen is XX/XX/XXXX I had some financial difficulty and had fallen behind on my payments. XX/XX/XXXX I applied to Ocwen for a loan modification. This modification was denied. No reason was given. 

I called the customer service department and was told to email a request for explanation as to why my modification was denied. Two emails were sent and as with all other communications with Ocwen, this request went unanswered. 

I have since gotten back up to date on my loan payments and have not been late for any payments XX/XX/XXXX. In XX/XX/XXXX a received a letter from Ocwen dated XX/XX/XXXX stating that I could appeal my modification denial, but have 30 days in which to do so. How could I appeal in 30 days when the letter was sent to me 45 days after the date on the letter?
I requested Penny Mac to remove the PMI insurance they say it has to be 78 percent the law states 80 percent we want it remove. I am current with my loan and I do qualify for the pmi to be removed
I have disputed an item from   XXXX   credit several times. The amount showing owed is {$1000.00} which has been on my credit now fo r 9 years.  I called   XXXX   and asked why this has not been removed when I have sent in multiple request and they told me they have to contact the consumer. I advised him by law this type of account should have been deleted at 7 years and by law  XXXX  should delete it. The rep basically this me he will not delete it period. I also advise him that it is on my credit   XXXX   under  XXXX  and for them to remove these accounts had are reporting incorrectly. The rep was not helpful at all.
We formed XXXX corporations for the purchase of a dental practice and its building. The first corporation is XXXX XXXX XXXX XXXX XXXX and the second corporation is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was to buy the dental practice through a practice loan and a line of credit, while XXXX XXXX XXXX was to buy the real estate/building through a real estate loan. TD Bank requested that XXXX XXXX XXXX XXXX XXXX pay {$4000.00} for a good faith deposit on the practice loan and {$250.00} for the line of credit. TD Bank did NOT request XXXX XXXX XXXX to put a deposit for the real estate/building loan. The purchase of the practice did NOT go through and we ( XXXX XXXX XXXX XXXX XXXX XXXX requested our good faith deposit back. XXXX TXXXX XXXX XXXX XXXX did not incur any fees during the process, but yet TD Bank felt that since XXXX XXXX XXXX ( a whole different corporation that we own ) incur fees from third parties, that they would transfer the money from XXXX XXXX XXXX XXXX XXXX 's deposit to pay the third parties fees without our consent. We talked to TD Bank about this, but the person in charge, XXXX XXXX XXXX TD Bank XXXX XXXX, does not care that he was taking money from XXXX corporation to pay the other. 

Instead of XXXX XXXX XXXX XXXX XXXX getting the full {$4200.00} deposit back, they will only give us {$760.00} back. 

We tried to contacting them, but they have been ignoring us. 

Once again XXXX XXXX XXXX XXXX XXXX DID NOT INCUR ANY FEES DURING THE PROCESS
My husband got a voicemail on his cell while he was at work but it was addressed to me. This call was from XXXX XXXX from the pre legal division of Alliant or XXXX XXXX  saying he attempted to call me two weeks ago and since then has not had any record of me returning his call. He said please keep in mind this is a time sensitive potential claim and this call was a courtesy for my input to be considered before anything is processed. He said my claim number is XXXX and to call him back at ( XXXX ) XXXX. 

I've gotten scam calls like this in the past and even fell for one and paid them money only to find out later it was a scam. 

Now I am very cautious about these calls and want everything in writing via certified mail if it is in fact a legit claim they should be able to provide me with this so I can have it reviewed by a lawyer before agreeing to pay anything.
I was approved for a loan Modification XXXX XXXX XXXX, with request fo for XXXX trial payments of XXXX which posted XXXX, XXXX/XXXX/XXXX with in the grace period. I have not received my loan medication papers or phone call from my relationship manager after I left XXXX messages to her extension. Customer service is poor. I received XXXX demand letters from US Bank dated XXXX, XXXX, XXXX, XXXX XXXX demanding payment and stating foreclosure may start and loan will be accelerated by XXXX/XXXX/XXXX Mini Miranda statement does not appear on the letters in violation of FDCPA agreement. Each time I call it is stated bu but not the letters indicating breach of mortgage. I have dealt with US bank since XXXX/XXXX/XXXX all payments are as agreed The loan modification was Home modification program XXXX XXXX. My credit scores have dropped, My XXXX beacon was XXXX, now XXXX XXXX, and XXXX XXXX. US bank refused to indicate that my loan modification was approved for a lower payment and note that on the credit file. We experienced doctor bills, I have XXXX doctors and my wife has XXXX. 
All paper work XXXX pages were faxed on a timely basis during the review. Customer service is poor and return calls from my relationship manager indicates she has many files to work. I paid my shortage escrow at the branch they sent the check to Minnesota and was lost, I issued a second check in XXXX and they refused to reimburse my {$33.00} stop payment fee It was their fault. During the review my payments could not be posted live and had to be sent to XXXX, late charges were charged and I had to call to have those waived. When I called was treated as a delinquent debtor and this was upsetting. I value my credit but do not like to be marked as a person in loan mitigation as I was proactive in resolving my mortgage loan.
My orginal lender was XXXX XXXX then my loans were turned over to Navient at that point various changes occured. I have seen them listed multiple times on my credit report even after asking for a forbearance or deferement. Due to inconsistency and multiple inquires I have been turned down by lenders and my credit score has dropped significantly. the multiple loans for the same amount on the same day is very misleading Furthermore If I contact them as requested and make arrangements why do they still report days later as negative on my credit report
I recently was put on as an authorized user for Synchrony Bank/Care Credit. I am not the owner of the account my significant other is. I did not give them my social security number. When I went online with XXXX XXXX I noticed that they informed me that my debt to income ratio was high. After looking into this I found out that Synchrony Bank is reporting this on MY credit bureaus. It has a note with it that I am the authorized user. But it is still affecting me. When I called them they said this is how they do it and refused to take it off. I filed a dispute with XXXX XXXX and they removed it. However I do not know how to file a complaint with XXXX or XXXX. I do not feel like I should have to do anything since XXXX is the problem. Remember I am not the owner of the account. And how did they get my Social Security number? I thought this was illegal if there is no application for credit. Please help me.
I am reporting a man named XXXX XXXX. He calls from a disguised number and says he is the " Director of Hardship and Mitigation ''. Later he changed it to " Hardship and Litigation ''. He used to call me and just say he was collecting a debt but he has now changed his tactics with a " professional sounding title. " This man has been harassing me for years, and supposedly he says I owe money to a bank. I called the bank in question and they have no record of it, and are not suing me that they know of. 

He has called my parents and scared them, and threatened many times that there was a lawsuit, though i have never seen any papers for any lawsuit. He has repeatedly called my place of business, and my cell phone, when he does not have permission to do that.. I told him years ago to stop harassing me and he responded in a hostile manner. 

This is a false claim because if there really were some sort of lawsuit I would have been served papers. 

He keeps leaving cryptic messages, including to my parents, indicating I was in some type of danger. It scared them a lot and they called me thinking I was in the hospital or something. He stopped for a while, then started up recently, again insinuating that there was some sort of court case. 

Since I have actually dealt with other debt collection companies that are reputable, I know that he is phony.
I was charged for a product that I bought through a XXXX ad that I never recieved. The company was shut down and their ads were removed due to fraud. USAA would not credit me the fraud charges back.
To Whom It Many Concern : I bank with Wells Fargo. It appears I do not have any problem with any account being paid except my XXXX account. I go to XXXX at the beginning of each month, and schedule the payment. When I am finished with XXXX, I go to my account online with Wells Fargo, and it has come into my account, and it is a pending charge waiting to be paid. The amount is subtracted and shows waiting for the next days end. When I check it a couple of days later, it is not there, it has been removed, the pending is gone, and the money returned. After seven days, all of a sudden, the bill is in and it has been taken out. This has been going on for a year now. This month I did not check it, and it cost me because they did not pay it when it came in. They deleted it and returned the money. There is something wrong with this. 

Sincerely, XXXX XXXX XXXX XXXX
My Trans Union Report incorrectly shows 2 Federal Tax liens. They show paid but the do not include the new necessary information and therefore must be deleted under the new guidelines. It does not show my SSN or DOB. Transunion refuses to delete this despite the new regulations. 

( The standards will apply to new and existing data in files and will require that the public records sources include the individual 's name, address and Social Security number or date of birth. )
we where trying to buy a dog, after agreeing on the dog to buy we transferred them money as payment for the dog and shipping. after they received it they told us that they needed more money for shipping, we told them no. ( they asked for {$1400.00} ) after talking and came to no agreement we asked for a refund and that we are no longer going to buy the dog, they told us that they can not refund us the money cause they had already spent it. i have contacted money gram over this, but do to language barriers it was hard to understand them, i be leave they are making a report on this and going to email me about it, i will fallow up with them more.
I am receiving dozens upon dozens of calls from a collection agency which I discovered is Nationwide Credit Collection from XXXX for a debt I do not owe. I am not delinquent on any of my bills. These calls are arriving of late after XXXX and XXXX prior call came in at XXXX. I do not answer any of these calls. I am also receiving calls at my place of employment on a daily basis. I recognized the number from my home number and do not answer these calls but they continue to call. This has been ongoing for quite some time.
I have sent the demand letter to XXXX credit bureaus for updating my credit report and scores, but they do n't do anything, I still not get my credit report. 
Please update it now, it is my right to have that information.
We purchased a home using PRMG ( XXXX XXXX ) as our lender on XXXX/XXXX/2016. After going through the pre-approval process, XXXX would not return our phone calls and emails until the day after the presidential election. We made several attempts to contact her to make sure our interest rate was locked and our loan documentation was squared away for close. We did not hear back until the morning after the election, and we were informed we did not qualify for the initial loan program we were pre-approved for due to our income levels ( which the lender was aware of before we were even pre-approved ). After finding all of this out, we were beyond our loan objection deadline and had no way to get out of purchasing our home. XXXX informed us that all we could do was lock in at the current rate and that we would be limited to a maximum credit towards closing costs of $ XXXX, which was minuscule in terms of total closing costs and the extreme lack of negligence and fiduciary duty we observed from PRMG. We made attempts to speak with PRMG management, and the individual who spoke with us, XXXX XXXX, told us the loan they could offer us with the correlating $ XXXX credit towards closing costs was limited due to RESPA regulations. My husband and I consulted with another lender on this day to understand what we were being told by PRMG and found out this was completely false. The other lender showed us the pricing grids for the day we had locked in our interest rate, which indicated we should have received a credit towards closing costs of $ XXXX versus the $ XXXX XXXX and XXXX told us was the maximum they could pass along to us. As we were past our loan objection deadline and a week out from closing, we had no choice but proceed with the loan because no other lending company could close us in time for when we had to move, and we had already subleased our current apartment. PRMG took advantage of us by avoiding processing our paperwork until after the election to profit from higher interest rates and further penalized us by not passing on the credit we were allowed based on industry pricing for the interest rate we received. The PRMG associates we worked with directly lied to us and negligently penalized us knowing we were stuck with our living situation.
I keep receiving phone calls for a company called Portfolio Recovery. They have called numerous times, and they always use a different phone number. They never leave a message, and I do not answer these calls since I do not recognize the numbers. These are some of their numbers : XXXX, called at XXXX XXXX CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX CDT on XX/XX/18 XXXX, called at XXXX CDT on XX/XX/18
XXXX XXXX offered me {$100.00} off the cost of a flight if I applied for the Citicorp credit card. While making a reservation, I applied and was approved. When it went to the cost of the ticket, no discount was applied. A few weeks later I received the card in the mail and did n't activate it ( I cut it up and tossed ). XXXX months later I received an email that I was past due for {$95.00} which it seems is an annual fee. XXXX months after that I began receiving phone messages to pay the past due balance. I called and explained to someone who managed to waive {$80.00} of the {$95.00} annual fee. They told me I had to institute some type of appeal process for the remaining {$15.00}. I told her forget it, go ahead and waste your money chasing me for {$15.00}. My credit score is around XXXX, so I do n't think that will bother the score. No apology for never discounting my ticket, I would have to call XXXX XXXX for that. Now the phone calls are continuing and I believe it constitutes harassment. My name is XXXX XXXX in XXXX, Hawaii. Not sure the credit card number as I no longer have the card.
RE : account # XXXX I have attempted multiple times to get the late payments corrected on this account and XXXX states that they are unable to correct them. The late payments are for XX/XX/XXXX and XX/XX/XXXX. They are reporting late when they should be reporting as pays as agreed since I was granted deferment XX/XX/XXXX until XX/XX/XXXX. They state they are unable to change something that has been reported accurately at one time. Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * Since I was granted deferment for those months then my account should be corrected to show pays as agreed during all those months. 
I have attached a copy of my deferment letter to show those dates were covered during my deferment. 
I would like for this to get corrected asap.