WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX ( XXXX ) has called me many, many times on my personal cell phone ( which I understand ) but they continually call my place of business and leave messages threatening to sue my employer for fraud, my bank for fraud and use names of individual that I know in some of their communication. They threaten to serve me with legal documents but say they can only serve me at my place of business. On XXXX/XXXX/2015, they called my managers phone number, listened to her message which clearly states her name, title, etc. and left a personal message for " me '' on her phone. I met with a free legal aid attorney on XXXX/XXXX/15 and they informed me that this is against the law and that I should report them to the attorney general 's office. They further told me " not '' to speak with them and to let my debt management company handle but XXXX XXXX will not call them because they know they can not threaten them with actions that they can not take or that are too costly for their company to pay. They are collecting on behalf of a payday loan company and were told that my debt management company will only work with the originator of the loan. The originator was contacted but disregarded the debt management directions and gave my loan to this company to collect using unethical tactics. I have reported the original company and included the name of XXXX XXXX in another report to CFPB ( Ref : Case number : XXXX ) but I want these people notified also. The attorney stated that I have the right to tell them to not call my work or cell phone again because that is the law. But what about the fact that they call others who know me and tell them personal information that they should not be sharing? How do I get them to stop that? They have not contacted me in writing and according to the FTC they must do that, and I have no address for them, just the names they give, the phone number they call from and their threats which change each week as to who they are filing fraud against. Their last phone call on XXXX/XXXX/2015 stated that my debt management company wrote and said that they were to work out an arrangement with me. That is not true, it states that the originating company should contact them to discuss payment arrangements and then I would make payments to the originator directly. It does not say that they are to call me and discuss because I have been instructed " not '' to speak with them. I guess they think that I do n't understand the language in the legal notification that their client received. Please assist with this issue. It was not my intent to stop paying this loan but due to medical and family hardships, I was unable to continue to meet my obligations to all of my creditors which is why I employed the services of a financial company. If I lose my job because they continue to harass me or call my employers and leaving confidential information on their phones, they will get nothing. I guess these tactics may force others to pay who are truly able to, but I have nothing extra to give without removing the roof over my family 's head and stop feeding them or paying essential utilities to maintain. Thank you.
Let me start by stating that I DO NOT OWE THIS COMPANY A DIME. THEY ARE CONTACTING ME TO FIND MY XXXX year old Married Son. 
I was contacted by a man who identified himself as XXXX XXXX. He stated that my son was in a lot of trouble. He then went on to say that there was a Summary Judgement filed against my son. I interrupted him saying that my son was an adult and I do n't owe his company or the company he is representing any money. He got angry and said he did n't know that the company my son works for was in the business of " hiring snakes '' and if I was n't such a " bad mother '' then I would know where my son is and I was a " crazy person. '' I hung up and he called back. I handed my husband the phone. When asked to identify himself he ( XXXX ) stated, " This sounds like an episode of XXXX XXXX '' ( A blatant and obvious derogatory statement regarding our racial identity. ) My husband asked him what company he represents and he just began yelling out my social security number ( the phone was on speaker. ) We hung up at this point. 
Several minutes later our XXXX daughter called from school stating that she received a call from XXXX XXXX and he stated, '' Are you going to talk to me or are you a mean person like your mom. '' She was confused so she hung up and called us immediately. 
I got a message five minutes later from XXXX XXXX in which he stated that he intended to take me and my minor daughter to court regarding my son 's alleged debt. 
Let me reiterate that this man/company is attempting to reach my XXXX year old adult married son.
In the year 2013 my family and I lived in XXXX XXXX Apartments and paid the first month of rent, and the deposit. We always paid the rent for a year since the apartments were under contract. We never missed any payments and the water payment ; we paid it full. I even have proved that we paid it all. I have the confirmation number that we paid it. Recently, I received a letter from the National Credit Systems , Inc regarding the deposit that we did n't pay. The amount is {$690.00}. They have sent me to collection without any warning or any prove that I owe that amount. In the letter it says they have already reported this collection to XXXX national credit bureaus. Please I need your help to clear my credit and erase this debt that I do not owe.
Hello, I filed a complaint here with the FTC/CFPB for XXXX   XXXX XXXX. They collect on behalf of XXXX XXXX. They put a collection on my credit report for {$100.00} I never in my life have had XXXX XXXX EVER. My father is XXXX XXXX XXXX He has XXXX XXXX. Not myself.I called XXXX  my father did as well. They confirmed that it is his NOT MINE. We asked them to remove the collections, they said they would off my report ( XXXX XXXX XXXX ) They have not. 

I checked the status of my dispute here online and their legal dept said the social matches mine - this is FALSE a blatant lie and my father confirmed on the phone it was his and NOT mine. This is a lie by their legal dept. XXXXTo make matters worse they sold the debt to XXXX XXXX   XXXX/XXXX  XXXX XXXX They keep trying to collect and reselling on an account that has NEVER been mine. I have NEVER enrolled or even applied to XXXX XXXX. 
THey show 2 numbers on my credit report under creditors heading XXXX XXXX I let them know of the situation they said to go back to XXXX. I called XXXX they said they don't have it anymore and denied that they spoke to my father and I before. I then called XXXX XXXX XXXX they said it was sold to another creditor being XXXX XXXX. 

My scores dropped from mid 750 's all 3 down to mid 650's.I am very angry and frustrated at the lies XXXX - XXXX XXXX and XXXX all have colluded in. 
How can they keep doing this? Selling my information/debt that is not mine? 

I have the credit reports to prove it and show matching amounts. 

Thank You XXXX XXXX XXXX.
I have filed dispute before but I didnt receive any response. My credit score is being affected due to something which I am not reliable of. 

My credit score shouldnt be hurtled due to some other companies mistakes or until and unless they are entirely sure if I owe the amount and I am reliable to pay it. 

This medical bill debt is giving me a very hard time as its effecting my score, all my efforts have been futile so I thought to file this complaint. 

I was told by police officer to go to the hospital as they saw my condition I was badly XXXX and XXXX. Upon reaching the hospital I provided them my police incident no and was treated as a crime victim. I was told to come back to the hospital and do some paper work we work which I did. Months passed and the collection company never told me I could dispute it while my score kept being hurt over something which I wasnt reliable for. Kindly remove it from my Equifax report Thanks
Hello. Someone is using my social security number and applying for credit in my name. I found this out because I received an alert from my credit monitoring agency showing that credit has been applied for in my name. The company is called XXXX and they are a debt collection company for a mattress company, XXXX. I have not applied for credit through this company. This company appears to be out of XXXX and/or XXXX and I live in XXXX. Furthermore, I have a mattress, I would never rent to own a mattress and I am a person with an outstanding payment history. I have reached out to XXXX XXXX at XXXX XXXX XXXX and she will not help me. I told her that I can send her whatever she needs to verify my identity and that the person who applied for credit is using the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as it too is listed on my credit report and that I have never lived in that state. However, she still will not remove the item. Can you please help me?
Equifax mishandled my information and allowed it to fall into the hands of hackers due to negligence. They have told me that my credit and identity ( and millions of others ) are at risk now. A resolution, and accountability for those at fault, is necessary.
On XX/XX/XXXX, I attempted to make a purchase at the XXXX, XXXX XXXX in the amount of {$51.00} using my Bank of America Debit Card which is linked to my checking account. I inserted the card ( with a chip ) into the machine and after waiting nearly a minute, the clerk asked me to remove the card and insert it again, which I did. After nearly another minute, the clerk advised me the sale was declined and asked if I had another card I could use to make the payment. I said I did, but preferred to use cash instead. I completed the transaction using cash for {$51.00}. The next day, I checked my online banking statement and saw that XXXX transactions for {$51.00} at the XXXX XXXX were pending. Several days later, I noticed the transactions had cleared and my account was charged {$100.00}. On or about XX/XX/XXXX, I filed a claim with Bank of America for the incorrect charges. I was asked at that time if I had the receipt for the cash purchase and I explained that I did not. Several days later, I was advised the XXXX charges totaling {$100.00} would be temporarily credited to my account while the claim was being investigated. 
On XX/XX/XXXX, I received a letter from Bank of America stating " We 've completed our review of these claims and have determined that no errors have occurred in this instance. '' Further, the total amount of {$100.00} will be reversed from my account on XX/XX/XXXX. I immediately called Bank of America Customer Service at XXXX and spoke to XXXX in XXXX with the Fraud department. He stated that the claim was denied because I could not produce the receipt proving the transaction was completed by cash. I informed him that the issue is that I did not provide a PIN nor did I sign a credit charge at the time of purchase and it does not matter whether I completed the purchase or not or how I paid for it. After some insistence, XXXX finally decided to escalate the claim but I have my doubts to the outcome since he said it was my responsibility to prove my claim by providing the cash receipt.
I had a hospital visit two years ago for XXXX. My insurance and my parents covered all the medical expenses. About a year ago, out of nowhere, a debt collection agency ( ARS Account Resolution Services ) started contacting me for a supposed debt of {$640.00}. They however, refused to provide me with any verified documents, itemized bills or any documentation from the hospital or doctors at all. They have been harassing me with phone calls and threatening to ruin my credit ( Which they have already done and I am in the process of fighting ). I have contacted my insurance and they have assured me that they paid their portion fully. I have contacted the hospital, and they can not verify this agencies claims. I would like this matter resolved and would like the harassment and threats to stop.
Hi, I 've been contacted many times by this collection agency and they are claiming it 's my debt when it 's not. I 've repeatedly asked them to stop and put it in writing for them to stop. I 've disputed the validity of the debt and the only thing they have on me is a SSn. I do n't know what to do. Please help.
I applied for an XXXX rewards card from Barclay bank. Was sent a letter indicating that I had to mail the following items to them : drivers licens Social Security card and current utility bill. This provides anyone with the all the pieces of information to steal my identity. IN addition if I don't send it they will deny my card..and already affected my credit rating due to the hard inquiry.
I received several alerts from the XXXX different credit monitoring services that I use that both show a CITI CBNA credit card with a {$1800.00} limit was opened in my name on XXXX XXXX XXXX. I did not open an account with this company nor have I applied for a credit card. There is also a CBNA XXXX XXXX XXXX hard credit inquiry that was pulled on me on XXXX XXXX XXXX. I did not apply for any credit cards.
Paid the XXXX service long time ago by insurance company, but still showed up in collection on XXXX.
Inquires are showing up my account that I never signed up for or applied for. I wrote XXXX, Equifax and XXXX and never heard back about this issue. I have proof of my letter sent via certified mail. This is impacting my score and I never applied for anything with any of these companies. I would like these removed. 


XXXX/XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXXXXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXXXX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX   XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
My name is XXXX XXXX XXXX. This has been my legal name since XX/XX/2016. 

Since XX/XX/2016 I have provided information to each credit agency multiple times to update my name. They refuse to do so. 

All of my accounts are in my correct legal name, XXXX XXXX XXXX. None of the credit agencies will remove my old name, XXXX XXXX. 

Because of this, absolutely no credit is working. I have had devestating medical costs and can not get a loan because of this inaccuracy that they REFUSE to fix. 

Until this is fixed, I will be denied again and again because no one can " confirm my identity '' and they " suspect fraudulent activity '' I am in tears trying to fix this. I absolutely need help. 

I have contacted XXXX 3 times this past month to fix this error and they refuse to do so. If anything, they have solidified that I somehow have 2 legal names. This is incorrect. 

In XX/XX/2016 I had my drivers license legally changed, my social security information legally changed, and have submitted Notarized Court Orders with my updated name. 

I have no recourse and no options left. I will never be able to access credit because of these three agencies and their refusal to correct my credit report.
From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor Greentree. 

This is disappointing. It starting to feel like a tug of war, if we don not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 

At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and active duty member is serving his country overseas and I have to tell him this disappointing news.
Our business has a credit card with US Bank. We 'd previously always paid the card directly through bank account we also had with US Bank. After closing the accounts, we paid with a check. The payment on our card was due on XX/XX/XXXX and our bank indicates the check was cashed on XX/XX/XXXX. However, US Bank has not credited the charge to our account and is charging us a {$39.00} late fee.
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX regarding an alleged debt from " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$90.00} from dates of service : XX/XX/XXXX and XX/XX/XXXX. These two {$45.00} charges were disputed by me almost two years ago with the hospital due to the fact the doctors office wanted me to pay for an office visit to receive lab results. Upon hearing that XXXX XXXX decided to take their concerns to a debt collector almost two years later, I called Wakefield & Associates on XX/XX/XXXX and spoke to XXXX. During the phone call, I was informed that the debt owed was in fact not {$90.00} as listed in their letter, but rather {$110.00}. XXXX downplayed the other charges as " miscellenous '' but could not ( and would not ) provide any additional information about these charges. He did, however, mention that they were for dates of service XX/XX/XXXX and XX/XX/XXXX. While the charge in XXXX may be apart of the date of service on XX/XX/XXXX. I have been a resident of XXXX, TN and not visited XXXX XXXX  or XXXX, TN since leaving the city in XX/XX/XXXX so I am not sure how I could have been responsible for the alleged charge in XXXX of this year. After asking for more information about these charges, XXXX told me that there wasn't more that he could provide me, but that I would have to dispute the charges. He then began asking if I worked and where I worked. I told him that this was not relevant and not something he should be able to ask me. He became defensive and asked " why not '' and " what law are you taking about ''. He continued badgering me for information by asking if it was a " state or federal law. '' When I offered to look up the laws regarding contacting any other persons besides myself ( FDCPA 15 U.S.C. 1692b ) and engaging in abusive behavior ( FDCPA 15 U.S.C. 1692d ) he shut down and said that " we've already been on the phone for over ten minutes now. '' I told him that this conversation was also being recording and that I would be filing a complaint because of the tone and content of his questions. I have attached the recording of the phone conversation, as well as a photo copy of the letter sent to me for review.
I purchased my home in XXXX XXXX, XXXX. And until XXXX XXXX, I was unable to continue paying the mortgage. I was also divorced in XXXX from my wife of more than 25 years. Then after a layoff for six months, I struggled to meet all my obligations even after I have XXXX sons who just began college. I am a XXXX veteran. 
Over the year or so, I tried to sell my home. The mortgage and other fees is currently held by XXXX XXXX XXXX for approximately {$190000.00} ( Loan # XXXX ). The current servicer -- Carrington Mortgage Services ( Account # XXXX ) -- sent me a letter in XXXX threatening foreclosure if I do n't send {$23000.00} to cure the default. I have been in communications with XXXX XXXX XXXX. Since early fall, I had been by the side of my sister who was hospitalized and took a turn for the worse, right when I was considering returning to my home to do a home modification loan to reinstate. There was no guarantee that XXXX would reinstate, but I had to stay in Connecticut anyway because as it turns, my sister passed away last month. I do not have the money to relocate and I am severely stressed at receipt of the letter to foreclose from a servicer who was just assigned to me. Right now I feel like I am in limbo, having just lost a member of my family, having no home to return ( it feels like ), and limited income. 
So I am hoping Consumer Financial Protection Bureau can help me. I was in the middle of negotiating with XXXX, and they switched points of contact by assigning the mortgage to Carrington -- who starts out with a threat. 
Can you help me.
I have a bill that have been paid an want to no how to get off my credit Court documents XXXX, deed XXXX, XXXX XXXX court, XXXX tn,XXXX XXXX XXXX XXXX tn XXXX
See previous complaint for initial details. 

My account was attempted to be debited twice. Speedy Cash stated in was " impossible '' for them to have attempted a second deduction. I sent bank information proving my account was attempted a second time, regardless of what they claimed in their answer. I received an email back from them stating they would refund " ANY '' fees associated with their error after 3 days. This was a contradiction to what they were stating before when they were refusing to issue a credit even though it was verified as an error on their side. 

Speedy Cash finally issued ONE {$29.00} credit, however, they failed to issue a second credit for {$29.00} and I have now incurred a {$10.00} Negative Balance Fee from my bank.
I signed a stipulation of settlement ( attached ) in XXXX of 2015 which said my payments are due by the XXXX of each month, with a 7 day grace period. I have typically made payments on the XXXX of the month, but have decided to exercise my right to pay at the end of the month. 

I spoke with XXXX who said that the original deal I signed does not matter and I need to make payments by the XXXX. He said that if the payment is not received, my entire settlement agreement become null and void and I will be responsible for the full pre-settlement amount, and will have to prove my side by spending money on lawyers.
I received a solicitation from open road lending XXXX/XXXX/2016 for refinance applied for a refinance and was so called approved for refinance and interest rate@13.64 percent XXXX a month the company had me fax over all documents needed for funding to submit to the so called investor which is XXXX. Spoke to XXXX at XXXX after this so called approval and went through a so called phone interview confirming all of my employment resident info etc .... interest rate 1st payment date recorded affirmation agreeing to the terms of the new loan. He advised it would take a few days to complete the refinance and if there were any additional questions he would contact me. Received a letter in the mail from XXXX advising I did n't qualify for a refinance at this time after they verified my credit. 1. I received a so called approval from open road lending who failed to also disclose this information and 2. I did not give permission for XXXX to pull my credit report. I had my credit pulled and was told the approval expired 30-days from XXXX/XXXX/2016 which was about XXXX/XXXX/2016 this company has completely mislead me as a consumer and I want this resolved and want to know why this was not disclosed and even after applying for the refinance it 's like it was a fake approval. I also will be consulting counsel on this one this is not okay.
There is a dispute with XXXX XXXX. Without my consent and no notice, they have reported this account to the credit bureaus. It has been disputed. I even hired an attorney regarding this dispute. I will attach the letter.