WillisBack/dataset-financial-user-claim huggingface dataset:
Received a phone call last month from XXXX XXXX on XXXX/XXXX/15 from ARA ( Asset Recovery Assoc ), he called my home and spoke to a gentleman and before the phone call was over he called the man at my house a " bone head ''. The person at home called me and was very upset that this unknown agency called my home phone for me and was that rude. So I called XXXX back and he was very RUDE. He did n't want to talk about how he was rude to the person at my home all he would say was he was threatening to file a judgement against me for an old account that is 15 years old ( or older ). The threat of a judgement frightened me cause I want to move and do n't want any negative information on my credit report. He told me that I have good credit ( how could he access my credit report? ). So I wanted to address the issue of him being rude when he called my home first off, that 's when XXXX went on to say well I see you do n't want to pay this bill so I will go forward with this judgement ( with a nasty attitude ). So I asked to speak to his supervisor because he was being so rude. So he put XXXX XXXX ( who claims to be a supervisor ) on the phone and XXXX said I have a {$1700.00} balance on a particular account that needs to be settled and that I can settle it today ( for {$800.00} ) and I said I do n't have that kind of money so he insisted on a payment which I paid {$100.00} on XXXX/XXXX/15 so he said I have until the end of the month to pay another {$700.00} to settle this account and I said I do n't know if I 'm going to have it so he said I will give you until XX/XX/XXXX to pay the {$700.00} if you do n't have it I will give you until XX/XX/XXXX to pay a total of {$1000.00} to settle the account but by XX/XX/XXXX. you have to make another {$350.00} payment so I did make that on XXXX/XXXX/15. So that left I had another {$550.00} to pay by the end of the month. Before that initial phone call I had never heard of ARA nor had they ever sent me any letters for collection and they have never showed me proof of the account that they are collecting for. I called the creditor that I owe today to find out about that account and it 's not in their system and I 'm not surprised cause that was over 15 years ago. I called XXXX and was advised to cancel the {$550.00} check ( which I did cancel it ) and investigate and request further information from ARA about the account they are trying to collect from me. And the XXXX referred me to FTC to file a complaint. Everytime I speak to XXXX he 's threatening me with a judgement if I do n't settle this account ASAP and he wont ' accept anything other than a settlement. I 'm a mother with XXXX kids and I do n't need to be threatened by an agency trying to collect on an account that 's 15 years old. They have collected from me {$450.00}. I called XXXX and they have a " XXXX '' rating with lots of complaints. Can you please direct me as to how to stop them from calling me and trying to collect on an account that 's 15 years old. Thanks
I accessed a free copy of my credit report from freecreditreport.com, which looks to be owned by Experian. The address and current employer information is over 8 years old. Their web forms would not " accept '' my information as matching their system ( email and DOB, both are correct on the report, and a membership ID, provided by Experian ). The toll free number I was referred to ( XXXX ) only has XXXX options : obtain a copy of a free credit report and fraud prevention services/security freeze. There was no was to open a dispute other than by mail. The letter will be mailed XXXX/XXXX/16.
Phoenix Financial was contacted regarding a medical debt on my credit report. I am uploading a copy of the letter that I mailed to them. Also proof that they did receive my letter. They have failed to provide me with proof of this debt. They have violated my HIPPA right s because I have not provided them my consent to pull my medical file. I have enclosed what I received from them. This is not proper documentation for validation of debt. I have reported them to the proper department for violation of my rights.
XXXX XXXX originally ( XXXX XXXX ) XX/XX/2015 Account # XXXX Please validate this information with these collections agencies and provide me with copies of any documentation associated with this account, with my signature. In the absence of any such documentation with my signature. I formally request that this information be immediately deleted/ removed from the credit file you maintain under my Social Security Number. Please note that you have 15 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. I am keeping careful record of your actions, including multiple attempts of how many times, I have contacted you via certified mail and by phone to correct the inaccuracies of these collection agencies! 

I also took the liberty of attaching my credit report from XX/XX/XXXX where the account was not even showing up. XXXX XXXX are billing due to pipes bursting, I am not entitled to pay. I attached the certified letters stating I am not responsible for any pipes bursting and it was and is currently a false claim. I will not pay for something I am not responsible for I did not break lease or cause the pipes to rupture or breach any part of my contract with XXXX XXXX.
I have account that I did not open on my credit profile, I cant any validation on the account by trying to contact the creditor This account was fruad and I need it to be deleted from my credit profile .. I sent in some document on account for a XXXX XXXX XXXX total account please help me get this resolved ... I have been residing at XXXX XXXX XXXX XXXX va XXXX for over 8 years Thanks for your understanding
Just want a refund of {$150.00} sent to the XXXX by Western Union on MTCN XXXX XXXX XXXX on XXXX. Money was not picked up. Money can be returned to Visa Debit Card # XXXX XXXX XXXX XXXX or Visa Debit # XXXX XXXX XXXX XXXX  in the name of XXXX XXXX XXXX Additional information available if needed
I am attempting to sell my current home and to purchase a new home. In XXXX of XXXX I entered agreements with both a buyer of my home and with a seller, to purchase a new home. I have XXXX mortgages -- my primary mortgage is with XXXX XXXX XXXX, and my second mortgage ( home equity loan ) is with Key Bank. I filed for a chapter XXXX bankruptcy in XXXX XXXX, and my mortgages, as is the case with nearly all bankruptcies, were debts that were not reaffirmed. Since I remained in my home, I continued to pay both my mortgages. In XXXX XXXX, for reasons that were not shared with me, Key Bank " charged off '' my account. I was not notified of this, but was informed only when I contacted Key Bank because I was locked out of my account on their website. The result was that there was no longer any payment plan, nor was there any interest ( i.e. any " voluntary '' payments were applied entirely to the principal ). Since the payments were " voluntary, '' and there was no payment plan, any payments I made were neither " on time '' or " late. '' I continued to pay Key Bank in monthly installments, but immediately adjusted the amount of my monthly payments to account for the lack of interest on the loan. This situation seemed bizarre to me ; as it was explained to me, Key Bank charged off the loan, but still held the lien. The lender with whom I am ( still ) currently attempting to get a mortgage commitment has been attempting to get certain documents from Key Bank since I went under agreement in XXXX. The lender was requesting a payment history and a " verification of mortgage. '' It was requested that this " verification of mortgage '' include the status of my payments ( i.e. no payment plan -- thus no " late '' payments ) because Key Bank stopped reporting to credit agencies in XXXX XXXX. All of this information has been provided by Key Bank verbally to my loan officer and the loan processor. The underwriters and the FHA require that it be put in writing. This is what Key Bank is refusing to do. After three months ( an open complaint with the XXXX, and a threatened lawsuit ), Key Bank did finally provide those documents, but the " verification of mortgage '' ( for which I paid XXXX dollars ) did not contain the information requested. The only information on the document was a payoff amount and a loan origination date. The buyers of my home have since opted out of the agreement because the mortgage commitment date has passed. Key Bank, and its refusal to provide requested information, is the singular reason I am unable to get this ( or any ) mortgage. As it currently stands, in addition to being unable to get a mortgage commitment, my home will certainly sell for an amount lesser than the original agreement, especially if I am in a more desperate situation to accept any offer ( because most mortgage commitments require that the current home is sold ). The closest I have gotten to getting a reason for this refusal to cooperate is Key Bank 's law firm ( a legal assistant named XXXX at XXXX ) indicating that Key Bank will do nothing that may help my credit rating.
I have a Bank of America XXXX XXXX XXXX XXXX credit card issued to me on XX/XX/XXXX. I have been using this credit card since the day I received it. On XX/XX/XXXX I received a letter from Bank of America saying they closed my account. I pay my monthly bill every month. Never been late on a payment. I had a total of XXXX reward points on my account. Bank of America is telling me since they closed the account that I ca n't redeemed my remaining reward points. They will not disclose to me on their reason for closing my account. Please help me on redeeming my remaining points.
This mortgage company just launch a brand new website. I was able to log in fine, until today. I have paperless bills, so i do n't have anything where I can see my account. I am trying to look at my account online and when I tried to log in, it would not let me. I reached out to the representatives and they treat me like I am a XXXX. I tried to log in on XXXX different computers, including my phone. I even put the incorrect password to make sure the password was not the issue, and immediately told me it was the wrong password. But when i put my info correctly, it takes me back to log in. I already re-register from the new launch. I tried to reach out to escalate the issue and allow me to log in, but the rep told me there is nothing they could do because basically their website was perfect. This is a new launch!!! Things are NOT perfect! It seems they are not escalating website issues to not allow customers see their accounts.
Since XXXX of XXXX my loan has been transferred to Caliber Home loans. The first month after acquiring my loan Caliber attempted to change my monthly payment. In XXXX of XXXX Caliber sent me a refund check stating that I had overpaid. Soon after that I noticed that they were escrowing my taxes and insurance. Since my retirement I have been paying my own real estate taxes. The insurance has gone through my previous mortgage company but I would rather get my own insurance. All of this was being done despite the fact that my previous lender sent out a letter stating that the terms and agreements in loan would not be changed. Each and every month I sent my mortgage payments to the post office box listed for Caliber and the payments were received on time per my postal delivery confirmation printout. The payment for XXXX XXXX was never sent to my bank. I mailed that payment to Caliber, the same address that I had always used before, on XXXX XXXX by priority mail. I finally received the check back around XXXX XXXX from a different mortgage company that was also in Texas, undoubtedly XXXX that they know. Caliber has charged me about {$420.00} in late fees for XXXX. I know for a fact that it is not possible because I have always sent my payments with delivery confirmation that shows the date in which Caliber received my payment. I believe that this company is attempting to manufacture a default. The late charge is {$25.00} and even if I were late every single month, the most the late charge could be is {$300.00}. This company is now claiming that I owe them over {$9000.00} in fees and payments. I am retired and have always made my mortgage payment every single month. They are trying to steal my property. My XXXX payment was received at their address on XXXX/XXXX/XXXX but the check was n't processed at my bank until XXXX/XXXX/XXXX. They have just sent me a right to cure default letter threatening foreclosure in XXXX.
Discover started and marketed a promotion giving XXXX % Cashback on ALL transaction using XXXX. I applied for and received a credit card from Discover expecting to receive XXXX % cashback on all XXXX transactions. Shortly after their promotion started Discover started arbitrarily adding restrictions to the promotion. After that Discover began a program to blanket deny all high value transactions due to " giftcards '' even if those transactions contained no giftcards. Discover then again changed the terms of their promotion without warning and started requiring receipts for all transactions in order to obtain the advertised cashback. 

The original terms under which I signed up are as follows : " What are the details for the XXXX % Cashback Bonus ( R ) promotion? 
Cashback Bonus : Earn an extra XXXX % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. 

XXXX : Earn an extra XXXX miles per dollar on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015 now through XXXX/XXXX/15. Rewards earned are in addition to your standard rewards and are added to your Miles account within 2 billing periods. See Miles Program Terms and Conditions for more information. '' Discover clearly engaged in deceptive marketing practices. They marketed a promotion promising amazing rewards with no cashback and after getting new customers to sign up, they began fraudulently denying transactions without cause and adding restrictions without notice. The request for receipts is a blatant attack on customer privacy. 

I will add that the FDIC and CFPB have already previously held that Discover has engaged in deceptive acts and practices in or affecting commerce, in violation of section 5 of the Federal Trade Commission Act ( " Section 5 '' ), 15 U.S.C. 45 ( a ) ( l ), and in deceptive acts and practices in violation of sections 1031 and 1036 of the CFP Act ( together " Section 1036 '' ), 12 U.S.C. 5531,5536.
I should be at the end of the paperwork process with my loan servicer but my calls go unanswered and I believe they are stalling me to get my house.
I monitor my credit very closely and have been working hard to improve my credit for over a year now. On XX/XX/XXXX I received an alert from my credit monitoring service that I had a new collection on my report. I was not aware of owing any monies to anyone and had not received any calls or mail from any creditor regarding this. Upon checking I seen the debt was listed as being from XXXX for a sprint account in the amount of {$1900.00}. I recalled that this debt was previously listed on my report when I initially started working on my credit in XX/XX/XXXX by a company named XXXX. This debt was listed under a last name that does not belong to me ( XXXX ) my maiden last name is XXXX. This debt was ultimately deleted after dispute because of it being under a name that is not mines that I have never conducted business under and the company not being able to prove this account was mines. I am aware that with this debt being reinserted into my credit report I should have received written notice of reinsertion from Experian. I disputed this debt as not mines and also noted that I never received any notice of reinsertion from Experian on XX/XX/XXXX. The dispute results came back as verified on XX/XX/XXXX and the lack of reinsertion letter was not addressed by Experian. Still now on XX/XX/XXXX I have not received anything. Experian makes it very hard for you to reach them by phone regarding disputes so bringing it here was my best option.
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XXXX/XXXX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine. This is for both accounts you have on my cbr
Received letter from a debt collector named commercial acceptance company for debt owed to my XXXX account that was in good standing, that I currently was not using and did not owe any debts or fees to and had my bank account froze as a result. Last I used my free checking account with XXXX was in XX/XX/XXXX 2016 which I made a deposit of just under 9.00 to my account. XXXX did not contact me about this alleged debt and I contacted them and I had no outstanding balance. I sent to the collector letter disputing the collections and asking for proof of debt but only recieved another letter saying it is going into collections and will affect my credit score because I " did not comply with their demands '' they also stated they required payment only by credit card by writing my card information on their form including my XXXX digit CVV code. I have not paid this company and have not contacted them since. I also had this show up on my credit reports and bring my newly good credit score down XXXX points which prevented me from being able to purchase a vehicle after being without one for 2 years. XXXX removed this from my report but XXXX still has not.
SLS is attempting to do fraud on this loan by illegally inflating the value of the property because they did n't like the value they just got back from their own paid for interior bpo. On XXXX/XXXX/XXXX was advised that the lender 's interior value came in around XXXX which was around the amount of my current offer. At that time we countered buyer to highest and best and received an offer meeting the lender 's counter. On XXXX/XXXX/XXXX lender confirmed receipt of docs and stated file was under review. On XXXX/XXXX/XXXX was advised that the file was closed due to requested docs however the file should of not been closed as they gave no time for us to submit the XXXX pieces of paper they were looking for. On XXXX/XXXX/XXXX was advised there was a sale date which is a violation of CA anti dual tracking laws as this file was in a foreclosure alternative program and we were then advised that SLS decided to revise up their value to XXXX. This is completely unethical, illegal, illogical and unacceptable. SLS decided on their own to take an old report and try and selectively pull old data to inflate the property value as is today. The market is contracting, not expanding so any data from a month ago, 2 months ago or 3 months ago is not reflective as to what is happening today. SLS hired a licensed professional to assess the property as of this month and that value came in at XXXX that is the value. SLS needs to CEASE and DESIST from illegally trying to inflate property values which is exactly what happened in XXXX which led to the housing bust.
Freedom Mortgage used to have XXXX XXXX service my mortgage with them. Then effective XXXX XXXX, they took the servicing of this mortgage back. They stated on the phone at least 3 times that no late fees or credit reporting would occur until 60 days from the date they took over servicing. I made my mortgage payment on XXXX XXXX. That is the day it is due. Freedom Mortgage should have had that payment transffered from XXXX XXXX, yet I have not seen it come out of my bank. Now, I am getting a letter telling me that I am late ... .and that they have reported it to the credit bureaus. This is the EXACT opposite of the information I received from XXXX separate representatives on their customer care line. In short, they lied to their customers. They can not tell me what happened to the payment I made online on XXXX XXXX. It has not been 60 days since they took over the servicing of this loan ... .why are they sending me debt notices before their 60 day grace period to me when I have a call record asking about the payment and a letter that I on XXXX XXXX explaining that I made the payment and ALL I wanted to know was what happened to it.
We have been trying to modify/refinanc my mothers mortgage. Wells Fargo keeps turning us down. We had previously filed a complaint Wells Fargo acted like they wanted to work with us then proceeded to act the same way
CAPITAL ONE MADE A HARD INQUIRE ON MY CREDIT REPORT AND I HAVE NEVER TRYED TO GET ANTHING FROM CAPITAL ONE
On XX/XX/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX  does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to XXXX to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

XXXX  refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.
Hello my name is XXXX XXXX - I am the POS for my dads property at XXXX XXXX XXXX XXXX, XXXX XXXX. MI, XXXX ( POA is attached ) I have sold the home and I have a XXXX dated from XXXX stating that the debt was released is attached, and the taxes on this are being paid via the proper filing on taxes with tax accountant who completed them to the federal government and the state of Michigan. The original loan was with XXXX XXXX XXXX which was acquired by XXXX XXXX they were bought by Chemical Bank. XXXX discharged the debt before Chemical Bank took then over and now has all of a sudden ( Chemical Bank ) now has tried recording their interest in the property ( until XX/XX/XXXX ) and there was nothing about the equity loan filed with county ( attached ). Chemical bank now is saying its a collection and we owe {$48000.00} when we have the paperwork attached from XXXX XXXX stating that the cancellation of debt dated back in XX/XX/XXXX and again attached is the XXXX cancellation of debt.
Regards, XXXX XXXX XXXX Email : XXXX I have also secured a Tax Attorney as representation to resolve this matter : XXXX XXXX XXXX
I applied for a TD Bank XXXX XXXX XXXX XXXX XX/XX/XXXX. My credit report has been pulled 6 times from XX/XX/XXXX to XX/XX/XXXX by TD Bank and they keep giving me the same denial. Each time I call, I get sent back to XXXX which I have done already. I have perfect credit history for over 30 years. I am attaching a file with all of my information for a review and a resolution.