WillisBack/dataset-financial-user-claim huggingface dataset:
There are fraudulent accounts appear in my report, please investigate them :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  -  XXXX
I was in a repayment plan for past due taxes on my reverse mortgage with XXXX Mortgage. When the servicer changed to Champion Mortgage, I even increased the monthly amount and then was told, after having made XXXX payments, that they would no longer be accepting my payments. Subsequently, I was unjustly forced into default and served with foreclosure papers. I am now being told that they can not offer a repayment plan because the loan is in default. In addition, after having sent proof that I have been paying the homeowner 's property insurance, they continue to this day to state that I defaulted on the insurance payments and they have been adding the amounts to my loan balance, which is completely inaccurate. I am currently working with XXXX XXXXXXXXForeclosure Prevention Counselor who works for XXXXcertified agency.
I have been a customer of Bank of America for over 15 years with a credit card. I have always paid the monthly fees and my FICO score is in the XXXX. I NEVER asked for a credit increase, but instead of sending me credit cards, B of A keep sending me odd letters saying that there is a problem with an " restricted access notation '' on my consumer credit file. '' This is bogus -- a lie. I called B of A several times, including a talk with XXXX on XXXX/XXXX/2015 at XXXX with the credit dept there. She said that there was a problem with my address, which they had it all along- NOTHING to do with my consumer credit file. 

She apologized and said that the cards were going to be released. Today, XXXX/XXXX/2015, instead of getting the cards, I get another bogus letter from BofA dated XXXX XXXX, 2015, mentioning the restricted notation (? ) again. I tried calling the credit dept. today, but it was closed. I talked to a regular rep at B of A and she can not tell why I 'm not getting the cards. 

I want to know why I 'm being harassed like this. This is scary. 

The credit cards expired in XXXX 2015 and I received new cards. However, next I received a letter saying that an " Unkown '' business has been compromised, and that I was going to get new cards. Then I got another letter saying that B of A will be sending me new cards with chips. I noticed a transaction that I did n't recognized online, I contacted the bank and was told to cut the cards and that other ones would be sent out. These never arrived. I contacted B of A again and was told that the cards were NOT to be cut out and replacements would be sent to me. However, because now I 'm caught in this credit request I never made, I never receive any cards. The situation is insane, and I do n't appreciate people playing with my credit and credit history like this. I do n't like that B of A is telling me in writing to contact the credit bureaus, when the problem is their internal mess. This is not right.
now with the security bleach of equifax i have no trust in the the major bureau they have violated my right for year giving me higher rates putting loans that are not mine it 's time to make the giants pay for what they have done to me and my family. they have violated every consumer right act ..
XXXX XXXX is trying to collect debt from me for XXXX XXXX and I do not have XXXX XXXX  and have never had them. I have wrote multiple letters saying this account was identy theft and have sent multiple with my signature.
This is concerning the debt which we dont owe. With XXXX XXXX XXXX XXXX Bundle with XXXX XXXX, our contract with XXXX XXXX XXXX was over in XX/XX/2018. All the bills was paid in full, call the XXXX XXXX XXXX agent and clear everything. It was with XXXX XXXX we had two years contract and upon signing with the company we were told if we moved away from the location where they were providing service, to another location and if XXXX XXXX XXXX XXXX bundle has no coverage then there should be no early termination fee. We moved to XXXX XXXX from XXXX on XX/XX/2018, and we called the company to transfer our XXXX XXXX XXXX XXXX bundle to our new location, but they dont have coverage in our location, for that they promise us there is no termination fee and we owe {$0.00}. But after few months we received several letters from Credence Resource management LLC collection company saying that we owe {$400.00}. So I call XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/2018. I spoke to XXXX XXXX XXXX agent XXXX at XXXX, she is from Bundle billing department for XXXX XXXX XXXX XXXX, She has checked everything and she told me her supervisor will be writing to the collection company to recall this debt of {$400.00}. The charges was for equipment and early termination fee, I have return the equipment both to XXXX XXXX XXXX and XXXX XXXX. I have both the receipt, that was shipped out on XX/XX/2018 from the XXXX XXXX here in XXXX XXXX XXXX, I have given agent XXXX both the Reference number. I will attach both the receipts for proof. Also the last statement from XXXX XXXX which shows the {$0.00} Balance in our account.Agent XXXX told me we will not be receiving any more letters from the collection company, that all is taken care of, but we still get letters from the collection company.
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GEORGIA XXXX XXXX CONCERNING CONSUMER NUMBER XXXX CASE NUMBER XXXX To Whom It May Concern In summation. Hidden within this report that was sent to me for evaluation XX/XX/2018 there are many inaccuracies concerning this report summation - None of which have anything to do with my personage, my social, or who I actually am. For one You received my Identification and Social Security Verification Number. Secondly My Social Security Number is not XXXX XXXX XXXX. My Name is not XXXX XXXX XXXX XXXX XXXX XXXX. My Name is Not XXXX XXXX XXXX. There are numerous an inexcusable accounts of negligent information on my report. So many in fact for so many years, that I will retain the services of a Consumer Attorney, to seek out not only legal remedies, but Legitimate Legal Damages to my person. Defamation of my Character, as well as Financial Injury. DO not play games with me. I am an adult. And despite your presume Accuracy you have left a clear and open path towards your own litigation for Civil Damages. I will in fact make you the next Information gathering Corporation holding my private information to be exposed for the inaccuracies on this 230 page report of lies. You will be held accountable for what you say is in your own words We are Unable to determine what you are disputing. You have mired my PRIVATE INFORMATION that you claim to PROTECT with other peoples information. In effect Not protecting me at all. Exhibits A thru all highlighted pages of the very document you claimed was Protecting my privacy thru all of the highlighted pages found in my report is riddled with INACCURACIES AND INFORMATION THAT HAS NOTHING AT ALL TO DO WITH ME. Unverified information that was given to you via computer that was reported to your organization. Then Added to my Report. The information reported caused my Financial Harm, Damaged my  Reputation as well as misled creditors to the point of me not being able to purchase a home to live in.This information slaved to my reports, caused me not to be able to afford a home of my own - a place to lay not only my head down yet my children as well FOR DECADES! 
I will make it a point to show the courts Federal & State that YOU did not check any of your facts, paperwork or verify any signature of mine to any DEED, Address or place of Residence. That by refusing to delete that incorrect and inaccurate information of my reports, without first hand verification did not delete that information, Social Security Numbers, Addresses, Phone Numbers and housing from my report. In effect at the moment of receipt of this let I will formally be reporting your actions to the CFPB. Let this be a formal declaration of my standing as a HUMAN against you as an ENTITY Discriminating against me. 
Sincerely, XXXX XXXX
I initiated a {$500.00} bank transfer from my savings account to XXXX trading exchange. This is something I had done successfully before multiple times with amounts smaller and larger. I submitted this request on XX/XX/XXXX. 2 weeks time passed, which is much longer than advertised to clear, and I still had not seen my deposit. However, an additional {$500.00} charge was made on my bank account to coinbase. So a total of {$1000.00} was now charged to my bank, {$500.00} of which I initiated, yet I had not seen anything deposited. 

I call Coinbase to get clarification on what is going on. I XXXX the issue, others reported similar stories of being charged twice for a transfer, most of which never got resolved. The ones that did get resolved said they had to file a claim on this website, which is why I am here doing this now. 

So I call Coinbase and the woman on the phone tells me it is mandatory to freeze my account, making me unable to log in and access my funds or crypto currency until this is fixed. I have been given zero information on when this will be fixed, but I suspect it will not be addressed until a larger coorporation, such as yourself, applies pressure to Coinbase to fix the issue. 

I would provide screenshots of my Coinbase charges on Coinbase.com, but since my account was disabled temporarily until this is fixed - I ca n't access that info. 

At this point, I just want my initial {$500.00} deposit returned to my bank account, and for the accidental double charge to be removed. Then I plan to cut all ties with Coinbase and move on. 

Please help me get my money back and figure this out - I am at a loss of what to do. 

Thank you very much for your time and effort in fixing my problem. 

All the best **The screenshot uploaded shows 3 seperate {$500.00} transactions from my Savings Account sent to Coinbase. 2 of which are valid. One was a transfer initiated to their partner site, XXXX, which I never receieved, another was a {$500.00} purchase of the cryptocurrency Ethereum, but one of them was an accidental double charge that I never initiated.
Kay Jewelers has been calling me repeatedly regarding a past due payment. They are calling from multiple different numbers, never leaving a message and calling multiple times a day multiple times in an hour or two time period. This is harassment. I spoke with them Monday and they stated that if I scheduled a payment online to be taken out this coming Friday that the calls would stop, two days later they have called three times this morning ( XXXX., XXXX and XXXX ) from three different numbers ( XXXX, XXXX and XXXX. Monday they had called three times as well back to back at XXXX., XXXX., and XXXX. This is harassment, I scheduled the payment online and the calls have not stopped.
XX/XX/XXXX, I reached out to BOA due to an inability to pay our mortgage due to my husband and I both being out of work. I have attached a time line of all of my interactions with BOA over the summer as I worked with them to get assistance with a loan modification. Basically, I have complied with every request when I received it. Their communication with me was not accurate, I had to deal with a different person every time. The website was not useful. XX/XX/XXXX I received letters saying my information was under review and a letter saying my loan was being transferred to another bank. When I called to check on it on XX/XX/XXXX, I was told the review had been completed on XX/XX/2016 and I was apologized to for not having been notified, but there were things I needed to fix. They were now asking for things like signatures that they had not requested previously. I asked to speak to a manager, was transferred to voice mail and I never received a follow up call or any other communication from BOA. 

We are actively seeking employment ( and have been for sometime ). I have XXXX interviews this week. We just need assistance with keeping our home. We have lived here for 23 years and certainly do n't want to lose it. We just have hit a patch of bad luck.
I thought I was buying an XXXX online. The person told me to transfer them money and they would ship the product. I sent the money and then they blocked me so I could n't complain to them that I was scammed out of money
I opened a Capital One 360 checking account a month ago. I requested a statement multiple times to set up a direct deposit and Capital One refused to issue me one which prevented me from being able to properly fund my account. I sold my old cell phone on the app " XXXX XXXX '' and was given a check as payment. I deposited the check into an ATM machine. I did not attempt to withdrawal the funds from the check nor did I withdrawal any funds. I received an email from Capital One today asking me to call about recent activity on my account. I called Capital One and I was told that the check I deposited was not a good check and that they were closing my account. They have frozen my online access so now I can not even log in to see what my balance is.
On XX/XX/2017 my husband entered the XXXX XXXX in XXXX XXXX. He paid {$410.00}, paid by credit card, to have 2 cabinet doors packed and shipped to a specialized cabinet repair facility in California. A stated value of {$400.00} was declared. Upon return, one of the doors was damaged. XXXX returned and picked up the damaged door for inspection, they then returned it to California without my authorization. To date, I still do not have my cabinet door. XXXX denied the claim for damage as they stated the box was a used box. At the time of purchase, I prepaid return shipping. At no point was it stated that a new box was needed. It is not in their company documents either. Given that the doors had a declared value of {$400.00} and that the packing charge was {$35.00}, my damages exceed the cost I am still owed a cabinet door. <P/>We reported this to our credit card company twice. Both reports were acknowledged, yet the charge was deemed valid -- even though we currently do not have the product for which we paid. They claimed to call us several times, but left no messages.
I received a text message at XXXX PST stating that I needed to make a payment on my CITI XXXX Credit Card . I called the number on my actual credit card to find that I was late a payment. I asked if CITI had put me on paperless billing against my wishes and the answer was yes. The girl went on to explain that I had somehow signed up for paperless billing and I had not. 

CITI and other companies tries to hide paperless billing buttons on the websites. If I hit one it was not intentional. 

They charged me a {$31.00} Late Fee because I did not receive a bill and did not pay that bill on time. 

These people should be in jail.
This is a new complaint against Carrington Mortgage Services, following a prior complaint ( Case no. XXXX ) which was resolved. Carrington Mortgage Services responded to prior complaint by agreeing to rescind a foreclosure and recognize a prior loan modification offer made to my client from a transferor servicer. In its efforts to fufill their commitment, Carrington Mortgage Services made the following errors in servicing my client 's loan : 1. While servicing my client 's loan, Carrington Mortgage Services ( CMS ) charged unsubstantiated and erroneous fees to his account totaling {$620.00}. These fees include a late fee for non-payment of the fees. After contacting CMS to request the basis for each fee, CMS gave a list of fee charges and dates that could not possibly apply to my client 's situation. Please see the attached letter for more detailed information. 
2. While servicing my client 's loan, CMS failed to properly calculate and implement the permanent FHA loan modification pursuant to FHA rules. These guidelines require that servicers implement delayed permanent loan modification offer in such that it will, " put the borrower in the same position as he or she would have been if the servicer converted the borrower to a permanent modification in accordance with the program requirements. '' Please see the attached letter for more detailed information. 
3. While servicing my client 's loan, CMS failed to respond to my client 's written dispute of the FHA HAMP modification terms, sent on XXXX XXXX, 2016. CMS Home Retention Representative XXXX XXXX instructed that I provide a written dispute of the modification terms and to fax it to a number he provided. XXXX XXXX insisted that the written dispute would be addressed within 30 days. CMS has still never responded to the written dispute. 
4. While servicing my client 's loan, CMS improperly distributed funds from an unapplied funds account when they removed these funds without applying them to the mortgage as interest, principal or escrow amounts.. On XXXX XXXX, 2016 CMS subtracted {$320.00} from my client 's unapplied funds balance without then applying any amount to principal, interest, or escrow and without allowing that amount to accrue to a full periodic payment when XXXX XXXX 's made a Trial Plan Payment eight days later. 
In response to this complaint I request that CMS do the following : 1. Remove all fees and charges from my client 's account, as he is current on his mortgage. 
2. Respond immediately to my client 's written dispute and re-execute the loan modification agreement using proper calculations in compliance with FHA guidelines, and do so without charging my client any fees or amounts otherwise. 
3. Account for any and all funds removed from my client 's unapplied funds account, and credit any funds that were not applied to interest, principal, or escrow back to my client.
This is a complaint from XXXX XXXX against XXXX XXXX XXXX for MCMs failure to provide requested information for the debt alleged. On XX/XX/18, consumer ( through legal counsel ) sent a written request for documentation on this debt, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
Despite the detailed request for documentation and reasoning, Midland responded on XX/XX/18 that they were unsure what the consumer was requesting. A second letter was sent by consumer on XX/XX/18 specifying the concern that Midland has the authority to collect, and again detailing documentation that would show this. It has now been over 2 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
I do not have knowledge of this debt and believe it is not mine. I have not had XXXX. This debt is being collected by not only this company but another company as well.
I would like to make a complaint on Portfolio Recovery Associates with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VaXXXX and an alleged balance of {$1600.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 ( c ) Re-aging the account. This account was placed for collection on XX/XX/XXXX. This account was closed by XXXX on in XX/XX/XXXX and sold with a BILL OF SALE and no WARRANTY. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years which Portfolio Recovery only had three ( 3 ) years from the date of XX/XX/XXXX because they only had three years to collect. I wrote them a letter dated XX/XX/XXXX and requested a verification of debt with the BILL OF SALE since they are the debt purchaser but they never provided the bill of sale and how much they paid for the charged off insurance profit/loss write off. I have even included a letter from them dated XX/XX/XXXX where at the bottom they state the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. There are also laws on how long they can report which they violated and they are the following : 1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b  ) and a {$1000.00} fine.
I paid off my card and emailed customer service. They told me to pay the final balance which I did but they kept charging me fees which caused my credit score to be lowered by XXXX points. 
XXXX XXXX, 2016 XXXX ET so is my account closed or is there still a balance owed? 
Customer Service XXXX XXXX, 2016 XXXX XXXX ET Thank you for taking the time to respond to our most recent reply. It 's my pleasure to assist you with your request. 
Our records indicate that your account was closed on XXXX/XXXX/2016 and you have a remaining balance of {$6.00}. Your payment due date is on XXXX/XXXX/2016. You can make a payment through online or by calling our Customer Service at the phone number listed below. 
If you have further questions or comments, please contact Macy 's Credit Customer Service online at http : //www.macys.com by selecting Macy 's Credit Card , or by telephone Monday through Saturday XXXX and Sunday XXXX at XXXX. 
Sincerely, XXXX XXXX. 
Macy 's Credit Customer Service www.macys.com Now you can pay your bill on-line at http : //www.macys.com/mymacyscard