WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notification on XX/XX/XXXX of funds deposited into a bank account that I had that was charged off in XX/XX/XXXX. This was suspicious obviously and when tracking the funds it appears they came from a company online I had never even heard of. I did apply for this loan, I did not authorize the loan and furthermore it is proven by the fact the lender did not have my correct address, bank account, etc. For example, why would I get a personal loan online and then have it deposited into a bank account that was charged off 4 years ago when I have a perfectly good current bank account I could use. Total scam and I don't want this fraudulent loan to have an impact on my credit or bank activity. I have filed a complaint against the bank as well as I did an ACH dispute of funds form and the funds haven't been distributed back to where they came from. No one should be able to take a loan out with the ease this was done as it is totally fraudulent.
XX/XX/XXXX ientered a LOAN MODIFICATION WITH GREEN TREE. i MADE THE PAYMENTS TIMELY BUT MODIFICATION ENDED AFTER A YEAR. 

NEVER RECEIVED MONEY FROM DAMAGE TO ROOF DURING HURRICANE XXXX EVENT, XX/XX/XXXX. 

XXXX XXXX XXXX XXXX HAS NO STANDING TO FORECLOSE MORTGAGE FRAUD MY MONTHLY MORTGAGE PAYMENT HAS BEEN {$810.00}. THEN ACCORDING TO CREDIT REFERENCE INQUIRY FROM COURT RECORDS A HELOC LOAN WAS TAKEN OUT ON MY HOME.. THEN MY MONTHLY MORTGAGE PAYMENT WENT DOWN TO {$790.00}. I NEVER TOOK OUT A HELOC LOAN I REFINANCED FROM XXXX XXXX TO XXXX IN XX/XX/XXXX. 

PLEASE NOTE THAT ACCORDING TO THE PSA FOR THE XXXX XXXX XXXX XXXX AS TRUSTEE ON BEHALF OF XXXX TRUST 2001-C CLOSED IN XX/XX/XXXX S0 HOW CAN YOU PUT THE MONEY IN THE TRUST.IN XX/XX/XXXX. I REFINANCED IN XX/XX/XXXX. 

PLEASE NOT THAT WHEN XXXX GOT THE MONEY FROM XXXX  IT WAS ALREADY SECURITIZED THAT IS PLACED ON THE STOCKMARKET SEE D POOL # XXXX, INVESTOR # XXXX. DID MONEY EVER EXCHANGED HANDS. 

ALSO I PUT LITTLE FAITH IN THE PROOF OF CLAIM FORM. FILED BY DITECH.
XXXX is reporting negatve information on my credit report & I 've asked them to pleas eprovide verification that this account belongs to me. They ignored every request sent submitted. I first disputed the account with all XXXX credit reporting agencies. They reported it verified. I then sent requests in directly to them & they have ignored all my requests. The last letter submitted was dated XXXX/XXXX/2016. At this point this company is violating the FDCPA & FCRA. I would like the information removed immediately.
Dear CFPB, on XX/XX/XXXX we noticed that our Wells Fargo Bank business account had a {$2800.00} amount debited by " RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX '', which we did NOT authorized! We immediately contacted XXXX, and they admitted that this auto debit should NOT have occurred, and we should have the amount credited back to our account right away! However, we have called them everyday since ( because this is causing a significant cash flow problem for us! ), but always been told that " maybe '' in a few day! Which is NOT acceptable! As of today, Monday, XX/XX/XXXX,  the unauthorized amount still have not been credited back to our bank account, we called XXXX again, and now we were told that the credit should appear on Thursday, XX/XX/XXXX? This is totally UNACCEPTABLE! What are our legal rights? And what are XXXX 's legal obligations? For this UNAUTHORIZED bank debit ( or bank fraud? ). 1 ) If we did n't noticed this on our end, this will be buried amount all transactions ; 2 ) once XXXX admitted its mistake, they ca n't just take their time to rectify this error at their leisure! Please advise! XXXX
Mortgage Fraud is being perpetuated against by SPS known as Select Portfolio Servicing , Inc the property is located at XXXX XXXX XXXX XXXX, Ga XXXX. Legal Description : ALL THAT TRACT OR PARCEROF LAND LYING AND BEING IN LAND LOT XXXX OF THE XXXX TH DISTRICT OF XXXX XXXX, GEORGIA, BEING LO XXXX XXXX OF XXXX SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK XXXX, PAGE XXXX, RECORDS OF XXXX XXXX, GEORGIA, WHICH PLAT IS BY REFERENCE INCORPORATED HEREIN AND MADE A PART HEREOF. I sent notice and ask the plaintiff to:XXXX Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; a ) FR XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX ) b ) FAS XXXX Cash Flow Statementsc ) XXXX XXXX XXXX ) XXXX XXXX ) SEC Registration # of the pooled trustf ) FWP ( free writing prospectus ) SPS wont respond and now they are foreclosing on a property they do not own..
On XX/XX/XXXX I agreed to a hardship payment plan to resolve my debt to Best Buy/ Citibank . I agreed to pay $ XXXX/mo. until the debt was paid in full. I was under the mistaken assumption that I would continue to set up each payment online by the XXXX of each month following so I set up the first payment online to be withdrawn on XX/XX/XXXX. I was not aware that the payments would be set up automatically by Citibank/Best Buy. When I went online to check on my account I discovered that 2 payments of {$200.00} each would be withdrawn on the XXXX. When I tried to delete the payment I had set up the site told me I could not do that online and must call XXXX and speak to an agent. 
I called Citibank on XX/XX/XXXX at XXXX XXXX  and was told that one of  the payments would be deleted. However, on XX/XX/XXXX both payments were withdrawn from my bank account. I am currently undergoing financial hardship and this withdrawal sent my finances into a tailspin. 
I then called Citibank again and informed the agent of the extreme hardship this double withdrawal placed on my finances. I was told that 1 payment would be refunded in 3 business days. It is now 10 days later and still no refund to my bank account. 
I called today ( XX/XX/XXXX ) at XXXX XXXX  and informed the agent that I don't even have money to live on until the first of next month. I have been told once again that I will be refunded {$200.00} in 3 business days and if I did not see it in my account by Friday XX/XX/XXXX I should call them again ( HA! ). I asked why I have not received the refund by when I was told she responded that it may have been denied. If so, no one informed me of such action. 
I am filing this complaint now to have it on record and maybe receive some assistance in expediting my refund if it does not happen by the aforementioned date,
As I prepare to apply for a mortgage, I pay everything off and wake up to a fraud alert on my experian which has spread to all three bureaus. I spent in excess of 8 hours calling the bureaus to remove this alert. The alert started with experian. I called with a 2-2.5 hour wait on hold to even reach the first person, to be asked questions from an unknown period in my life to prove my own identity, only to be hung up on and have to call back wait 2.5 hours to speak to the first person to have this fraud alert removed, assured it was taken care of to allow 48 hours for the removal. 48 hours later, the fraud alert comes back. I can not spend 8 hours every 48 hours to fix an erroneous fraud alert placed on my credit. My current lease is about to expire and I cant not have this on my credit report to apply for a mortgage. It is very frustrating and I have no idea where else to turn to get this issue resolved once and for all. They do not give me the information of where this is happening or what I need to do to fix this completely.
On XX/XX/2016, I opened a new Citibank saving account in a branch with $ XXXX. Because, I was told that if I bring new money to Citibank, I 'll get some free bonus - {$400.00} - So, I get better returns that what I 'm getting in my other bank. I have contacted the bank in person ( the branch that the account was open ) and never available, online and phone - they are not able help. The bonus have not been deposited and per online and phone representative, the account was not setup for that. They are asking for a promotion code. I honestly did n't know about promotion code or something like that. I just opened an account to get the bonus. Citibank is not clear with the advertising, they do n't say ask for code and keep, and the teammebers are not being train to open this accounts. It 's clear that they made a mistake in the setup.
After doing some research I found out that under the FTC I can dispute errors on my credit report. Am I correct? Well I tried doing that with the credit bureaus after noticing several inaccuracies on my credit report. Experian failed to initiate my disputes. Isnt that a violation? 

I noticed several inaccuracies 1. XXXX XXXX XXXX # XXXX The date this item went into collections is inaccurate. Also Ive never been contacted by this company. Please remove. 

2. XXXX # XXXX This company is illegally re-aging this account. Please remove. 

3. XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

4. XXXX XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

5. XXXX # XXXX There are SEVERAL inaccuracies with this account. The date opened is wrong. The balance and past due amount is incorrect. The date of last payment is also INCORRECT. Please remove this account. 

6. XXXX XXXX I have never been contacted by this company. Please remove.
Yorkshire Acquisition Group has been harrassing me via phone and they have harrassed my work, my father, and my husband. They refuse to tell me what they are collecting for and what the amount is. They have claimed they will get me fired from my job, take my XXXX licenses away, and also sure me for harassment. XXXX XXXX has been pretending that he is an attorney who will be suing me and taking it to my place of employment. Also, he would not give me is address so I could send a cease and desist letter nor have they sent anything in writing telling me what the collection is for.
Federal Student loan servicer for the Department of Education ( PHEAA operating under XXXX XXXX ) is reporting in excess of XXXX error on my credit report, including incorrect open dates, incorrect balances, the lender is not reporting payment history, erroneous derogatory remarks/comments, account status, and erroneous delinquent payments. The lender placed me in an authorized period of non-payment ( forbearance ), retroactively. The updates to my account cleared all delinquencies, and started my authorized period of non-payment ( forbearance ), beginning XXXX. However, the lender states they are not required to follow Fair Credit Reporting regulations per guidelines provide by the Department of Education. However, no one within the Department of Education, the lender 's office, or the Ombudsman has been able to provide a guidelines put forth by the Department of Education, directing federal student loan servicers to disregard the FTC governed Fair Credit Reporting Act, and continue to report delinquencies which has been removed from their system due to a retroactive forbearance, which is defined by the department of education as authorized period of non-payment. The Lender has is picking and choosing which information they want to report regarding my loans, most of which is grossly inaccurate. I have been requesting resolution on this issue since XX/XX/XXXX, which has included disputing the information with the credit reporting agencies, the lender, the ombudsman, and the lenders advocacy service, but have yet to receive the financial audit or the credit report corrections I have repeatedly requested.
I got a debt collection this past week, i dont know where it comes from or how to contact the company. I checked it and seems like comes from XXXX  but i had never own that company
Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents Equifax ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX COLLECTIONS XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$310.00}
On XXXX/XXXX/2016 I obtained a Mortgage for the amount of $ XXXX for the building that I perform my business from First Citizens Bank XXXX 
Bank is implementing coercive actions to force me to transfer my business accounts that I have with XXXX to them, although we went through all of my accounts and they can not match the service and the term that I currently have with XXXX, otherwise they will increase my mortgage rate by 3 %!! I keep receiving threatening phone calls and letters from First Citizens Bank. I believe this is an illegal business practice and I am asking you to advise them and make them stop.
This is a American express card and I have never had one or applied for one I have called them 5 times trying to get to stop calls. They continue to call and harass me at work.
I had signed up for " Payment proctection '' with Capital One for my credit card. I stopped paying due to financial issues and now they are suing me in XXXX XXXX Court. 
The payment protection add-on I paid for was described to be me as an insurance against a default. The company said I would be covered but they refused to honor their promise and now I 'm being sued.
My XXXX XXXX was repossessed XXXX XXXX, XXXX. Upon attempting to recover my car from Santander Consumer Financial, I was given no direct answer or explanation except that storage fees, repair costs, and a deductible totaling {$2300.00} had been paid to XXXX. My car was auctioned off XXXX XXXX, XXXX and the balance has been sent to collections. In a great effort to recover my car, I provided Santander with many documents to reverse the repossession. In XXXX, I was told through Santander Collections my car was impounded from XXXX XXXX XXXX because XXXX XXXX alleged that XXXX denied my claim for repair costs. Neither organization followed protocol and my Consumer rights have been denied resulting in surmounted life issues. My credit has been affected and my personal life has faced serious problems without having transportation.
I was charged twice by Health Credit Services for a monthly installment on loan XXXX, but they never credited me for the double charge. They simply pocketed the money. I sent documentation of the deduction directly from my checking and attempted to follow up over several weeks, but they never responded. One customer service manager did mention that this appeared to have happened to a number of accounts, but she refused to say what, if anything, the company was going to do to fix it. 

The company is managing a loan for services rendered at XXXX XXXX XXXXXXXX. XXXX appears to be based in XXXX, North Carolina.
XX/XX/2017 I have written both XXXX and Experian concerning XXXX bogus collection accounts and they still remain. Attached is the results of the XXXX  investigation into the accounts. 

Please Remove!
In XX/XX/XXXX, I purchased a XXXX at XXXX in XXXX, IL. After a divorce and being stuck with her medical bills, I filed bankruptcy in XX/XX/XXXX, where I had the vehicle reaffirmed in the process. I moved from XXXX, IL, to XXXX, IL in XX/XX/XXXX, and since my loan was sold to Citizens Bank, I contacted them to change my address. 
I continued to make monthly payments of {$280.00} each month toward the balance of the car, until XX/XX/XXXX. At this time, their website said, " I no longer had an account, '' and was told to contact their customer service number. I contacted the Citizens Bank Customer Service and spoke with a gentleman where he told me that my loan was paid off and it could take up to 6 months to receive the title. 
I called back in XX/XX/XXXX, and inquired about the whereabouts of the title of the XXXX. They proceeded to transfer me three times, and finally, spoke with a XXXX from the bankruptcy department. She proceeded to tell me that due to my bankruptcy, my account was " charged off '' and no longer valid. She also stated there was an outstanding balance of {$3600.00} and this must be paid before receiving the title of the vehicle. I was upset with the institution because I was never once called, never once contacted by anyone at the bank due to a lack of payment and since I was told I 'd be receiving the title, I did n't contact them any further. I 'm upset with the fact that I was never contacted since stopping payments towards the vehicle, and now was told that since my account was charged off, they did n't have an obligation to notify me. 
Finally, I looked back at my paperwork from the original loan and it does state that there would be XXXX installments on loan, but XXXX told me that once I filed bankruptcy, terms of the loan should 've been re-negotiated and they never were done so. She said that my bankruptcy attorney should 've informed me it was my responsibility to contact the institution to negotiate terms of a new loan despite the fact I continued to make online payments for the next 3 and a half years after the completion of my bankruptcy hearing. I was told the only way to pay now was over the phone as they would n't contact me unless the car was to be repossessed.
I attempted to instate a credit freeze with XXXX, XXXX, and TransUnion. All attempts failed beginning at XXXX PST. It looks  like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put 140,000,000 US citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like XXXX, XXXX, and TransUnion to have to ASK my permission to use my identity information.
I HAVE  XXXX  ACCOUNT WITH CAPITAL ONE AND THEY HAVE FAILED TO  XXXX  AS AGREED TO WHEN APLLYING FOR CREDIT CARDS.  XXXX ,  XXXX ,  XXXX  AND  XXXX . I AM NOT PLAYING GANES WITH ALL CREDIT FURNISHERS WHO ARE NOT COMPLYING WITH AGREEMENTS AND THUS WILL NOT HONOR SAID DEBT, CLOSE ACCOUNTS AND DISCHARGED DEBT VIA  XXXX  AND CEASE ALL CREDIT REPORTING OR BE SUED IN CLASS ACTION EFFORTS.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AND  CAPITAL ONE FIN ANCIAL.  <P/> WE HAVE RETAINED LAW FIRM.
This complaint is regarding ChexSystems " blocking '' access to my report, despite my lift of a Security Freeze earlier in the year.

I had a security freeze put in place in XX/XX/2018 because financial institutions kept on pulling my report without my consent. I lifted it temporarily in XXXX-XXXX  with no issues. In XX/XX/2018, I tried to lift it again temporarily to apply for a bank account, but the bank ( XXXX XXXX XXXX ) reported a " non-response '' from ChexSystems. I worked with ChexSystems at the time to permanently lift the security freeze. ChexSystems confirmed that the freeze was lifted. Nevertheless, I abandoned getting a deposit account with that bank at that time.

Today ( XX/XX/2018 ), I applied for bank accounts at XXXX XXXX XXXX. XXXX XXXX wrote back to me : " Do you have a block on your chex systems reporting? If so you will need to remove the block so we can run the report and then replace it. Currently we are unable to run the report. '' I called ChexSystems security freeze line at ( XXXX ) XXXX.   I spoke with XXXX. XXXX said there is a " technical glitch ''. Specifically, he said there was an error related to their internal systems, and the error message says : " We are unable to access the file at the moment. '' The representative XXXX  indicated that " sometimes we receive that error. '' The representative sounded like he was in an overseas call center. He did confirm that there is no security freeze currently in place with ChexSystems, since I had it removed in XXXX. Nevertheless, this malfunction is preventing me from getting bank accounts that I want to get.
I am an identity theft victim ; credit bureaus, XXXX and NCTUE are not clearing the fraudulent information from my history. Has been XXXX months.
Did not ask these financial services to run my credit. Dealer disclosed information to third party lenders when I specifically requested not to. Never received credit from these lenders and didnt ask them for it.
Ray Klein dba Professional Credit Service filed lawsuit in the XXXX XXXX of the State of Oregon for the County of XXXX case # XXXX for medical debts at XXXX XXXX XXXX in XXXX XXXX, OR for emergency room services performed on dates between XX/XX/XXXX and XX/XX/XXXX all of which was well beyond the State of Oregon XXXX year statute of limitation on debt collection. Also claimed principal in the amount of {$4700.00} and interest at 18 % per annum ( double the Oregon allowed 9 % ) totalling {$12000.00} for a total of {$17000.00}. This amount was utilized in the lawsuit to also put the total claim out of the range of small claims court to civil court when the plaintiff was further suing for collectable debt totalling {$2400.00} ( {$1.00} short of the {$2500.00} threshold to be civil versus small claims ). They are knowingly attempting to collect on too old debt, and utilizing that debt to move the case to a higher court that requires higher filing fees for defendant response. They also knowingly provided in the served copy of the suit incorrect filing instructions directing me to the XXXX XXXX XXXX XXXX. They also knowingly included instructions for response to a small claim when they filed in civil court.
This is a complaint against Nationstar Mortgage. I am a bankruptcy attorney and often represent clients in Chapter XXXX bankruptcies. Nationstar is constantly sending notices like the attached directly to my office even though they are given directions and provided authority to send these notices directly to the client. Despite these authorizations, Nationstar consistently tells their customers that they " ca n't talk to them '' about their own mortgage simply because they have an attorney representing them in their bankruptcy case ... despite the fact we have given them specific permission to deal directly with the client on these matters. However, what 's worse is that typically the notices they send have our office 's name on them and GIVE NO INFORMATION CONCERNING THE CUSTOMER THEY ARE ADDRESSING THIS TO. Note on the attached Notice that they address it to myself, the attorney, but nowhere indicate who the client is or even what the account number is. The notice is worthless as I ca n't even forward it since I have NO IDEA what customer this pertains to. Then, they send this worthless Notice by UPS, signature required. When I speak to their office, I get representatives who do n't know what their talking about, ca n't answer questions and then often tell my office that they ca n't deal with me, they can only DEAL DIRECTLY with the customer ( after they 've already told the customer that they CA N'T TALK TO THEM ). This company needs to go out of business.