WillisBack/dataset-financial-user-claim huggingface dataset:
There are fraudulent accounts appearing on my Transunion and XXXX  credit reports. The accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.These 3 charged off accounts and 2 collection accounts are fraud as I was a victim of ID theft.
I have been fighting an account with XXXX and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from XXXX and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?
CREDIT REPORTING COmpanies are required to give a free credit report annually. When I went on line to request my Experian credit report, as I do every year, I filled out all the information, and got this message : " A condition exists that prevents Experian from being able to accept your request at this time. '' And was told to submit a form in writing. I XXXX that phrase and found that thousands of other people are getting the same message. It seems obvious that Experian does not want to provide their required-by-law free credit reports and is doing this to discourage participation in this useful service.
Gatestone is repeatedly calling from different numbers, never leaves a voicemail and has n't sent anything to me via postal mail to let me know what business they allegedly have with me. They call from a XXXX number but the last four digits are always different. They 're doing this to evade their numbers being blocked.
There are numerous inquires on my report that I did n't authorize I first reached out to all of the companies listed on all XXXX credit bureaus reports after 60 days and no hearing anything I sent letters to the credit bureaus they sent letters back telling me to reach out to the companies which I already did. So I called and all XXXX bureaus did the same thing. They told me there is nothing they can do! This has been going on since XXXX XXXX. I have never applied for something and not been approved. So all the inquires on my reports are not accurate!
The mortgage we currently have with Ocwen is horrible. We have been making regular payments on time for the last 4 years and the loan amount is the SAME! How can that be? Every time I call them I get transferred several times and when I finally get to someone they state they have no record of the loan. So, where is my money going? And if there is no record of the loan ... then who am I paying? And are the embezzling the money? I have had mortgages before and the amount I owe tends to go down at some point. This is horrible and I ca n't seem to find anyone willing to help! Can you?
The company made a misleading offer about opening a credit card account as registered in complaint ID # XXXX provided the following dispute/resolution : Citi ( R ) / XXXX ( R ) Account ending in XXXX XXXX XXXX : Thank you for speaking with me about your inquiry that was submitted to the Consumer Financial Protection Bureau regarding the promotional offer related to the above-referenced account. 

I regret any misunderstanding that occurred related to the promotional offer associated with your account. The offer is to earn XXXX bonus XXXX ( XXXX ) miles after spending {$3000.00} in purchases within the first three months. You may then redeem the miles for XXXX round-trip tickets with XXXX XXXX. 

I appreciate the opportunity to respond to your concerns. 

Sincerely, XXXX XXXX Response XXXX REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE*Our telecommunication number for our hearing impaired customers is XXXX. 

XXXX, XXXX and XXXX XXXX are marks of XXXX XXXX, XXXX. 

XXXX XXXX reserves the right to change the XXXX ( R ) program and its terms and conditions at any time without notice, and to end the XXXX ( R ) program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, XXXX miles earned through this promotion/offer do not count towards elite-status qualification of XXXX status. XXXX XXXX is not responsible for products or services offered by other participating companies. For complete details about the XXXX ( R ) program, visit XXXX. 

-- -- -- -Despite this explanation I did spend over {$3000.00} in purchases on the card and still have not received the XXXX bonus miles. It is especially clear now that this company has committed consumer fraud
I have received 3 phone calls in regards to check smart from a company claiming to be called " Corporate Office '' in regards to an unpaid balance ( which has been paid and I have my receipt ). They have called me three times in the past two days, XXXX number they have to call back does n't work ( XXXX ) XXXX XXXX ; had to do a XXXX search to find a working number and when I got through to someone her name was XXXX XXXX, she was EXTREMELY rude and not willing to help me unless I gave her my SSN, so I asked for a manager becaue I had no idea who the company was and why they were calling. Then the manager offered to look me up with an address and name ; she only asked for XXXX identifiers rather than XXXX which is also required through the FDCPA in regards to debt collection. Then she said I do n't know why we called you paid sorry. Then when I tried to explain that her employer was extremely ruse she told me that it did n't matter because they were n't protected by the FDCPA and to have a nice day.
Dear, Im XXXX years XXXX XXXX person, on XXXX/XXXX/XXXX, I filled Didpute against Mechanic shop that had my car for 2 months, couldnt start the car due to getting starting Error the key couldnt start the car, on XXXX/XXXX/XXXX got car back but he next day I got same Error the key couldnt start the car, XXXX XXXX  XXXX XXXX suppose to send programmer to reprogram the Key but he/her never showed up so on XXXX/XXXX/XXXX, Pentagon Credit union send an Email credit card dispute form to sign, so after signing the form, the customer rep said is going to take 30 to 45 days to resolve but usually after two weeks I get a provisional credit, on XXXX/XXXX/XXXX I called to check the status of my dispute, the Rep couldnt find it, after talking to supervisor I asked to get Reciept and email it, I told him my credit card XXXX is my recipt since we didnt sign any binding contract when my car was towed from one mechanic shop to XXXX XXXX XXXX after 24 days it seems Pencredit union just opened new dispute usually Pencredit union send you dispute form and after signing get resolved since Pencredit merged with other banks everything is backed logged, we have to wait 40 minuets and their service is worst and that was not when I accepted their term and regulation, Pencredit union must follow our term/agreement and one of XXXX protection is to dispute any charge within 30-45 days after 24 days didnt work on my dispute or lost it and this is violation of our term.
I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do.
I opened up a checking account on XX/XX/XXXX with HSBC bank because they promised a {$200.00} bonus. They never paid this bonus out despite repeatedly telling me it would be a matter of weeks or months. As you can see from the attached screen shots of the current same promotion they're still offering, the {$200.00} bonus should have been in my account by XX/XX/XXXX because of the 8 week time frame they give. They kept moving back the date that the funds would be available. After the 2nd time of telling me the funds would be available at a later date, I demanded they fix this issue and deposit the funds by the end of the business day. They gave me continued run around about how this department couldn't do this or that, and that they would have some people investigate the issue. I refused to buy any more of their XXXX ( lies ), so I told them to transfer all of my money in the savings account to my other much better bank. They said the transfer would happen within 3-4 business days on Saturday XX/XX/XXXX, and I still don't have the money here on Monday XX/XX/XXXX. This is consistent with their pattern of lying and not honoring deadlines they have given me for what they would do.
Based on complaint : # XXXX XXXX claims debt originates from XXXXXXXX XXXX. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX / XXXX - ( XXXX ) XXXX and they did not have any records of me every having an account. 

They transferred me to the department that handles charge-offs and selling accounts - XXXX XXXX XXXX XXXX and they have no record associated with my social security number. 

They recommended I contact XXXX XXXX. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX - XXXX ( XXXX ) XXXX and they only found two accounts ( current ) having ever been opened under my social security number. 

XX/XX/2018 - XXXX XXXX - I contacted XXXX XXXX XXXX - XXXX XXXX XXXX XXXX to discuss the above and they have been told to no longer discuss this account because I filed a complaint and the complaint department will be handling this. I requested to speak to the manager and was transferred to the voicemail of XXXX, out until Monday. I identified myself by name and social security number and advised of the above and that the Proof of Debt Validation letter has arrived and that I would be awaiting a response. 

It has been 14 days since my wages have been garnished for a debt that is not mine. 

CC : Virginia Attorney General XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXX ) XXXX
On XX/XX/XXXX I applied for an auto loan from XXXX to purchase a XXXX vehicle. The credit was denied due to a credit freeze on my Experian Credit Account. I had placed the freeze in XXXX after becoming a victim of identity theft. On XX/XX/XXXX and XX/XX/XXXX I tried to remove the credit by both phone and online. I was instructed each time to write a letter to remove the freeze. I wrote the letter and received confirmation from Experian that the Credit Freeze was lifted on XX/XX/XXXX. I left my fraud alert in place on my Experian account. On XX/XX/XXXX I reapplied for my auto loan and again was denied credit due to a freeze on my Experian account. I contacted Experian and confirmed the credit freeze was removed. I then called XXXX and shared that the credit freeze was not in place that there is a fraud alert and they should receive a phone number to reach me for confirmation of the loan application. XXXX was not able to help. I contacted Experian again and they suggested that XXXX contact Experian and that I wait a few days and reapply. I reapplied on XX/XX/XXXX with the same results. I repeated this process again XX/XX/XXXX and was again denied credit due to a credit freeze on my Experian account. I escalated the issue to an executive account resolution officer ( XXXX ) at XXXX. XXXX called Experian and connected me on a conference call with the Experian representative ( XXXX  ). XXXX verified there is no credit freeze and could not explain why XXXX was not receiving a credit report with fraud alert procedures. XXXX recommended I remove the fraud alert so XXXX could obtain a credit report. This essentially leaves my credit unprotected unless I purchase a credit protection plan form the very company that is providing the information. I was denied the loan and am forced to finance through another bank that does not solely rely on Experian. I asked XXXX at Experian for a supervisor and she refused me stating they would provide the same information as she did.
I enrolled in XXXX XXXX XXXX school in XX/XX/XXXX. It was a 3 month program and I obtained a loan through XXXX for approximately {$9000.00}. Over the years I have made payments or received deferments during periods of unemployment. Last year I received a deferment based on a health related financial hardship. During the last year, XXXX obtained my debt from XXXX and then Navient obtained it from XXXX. The payments they are asking from me are double what I was paying a year ago. The amount of the debt is 4 times the amount I borrowed nearly 30 years ago. I can not financially afford such a payment and they will not fairly cooperate with me in lowering the payment. In addition to my living expenses, a car loan and debt I incurred during a lengthy hospital stay, my financial obligations are already surmounting, making my finances very tight. I also have serious questions about the loan date listed by Navient of XX/XX/XXXX. My original loan was dated in XX/XX/XXXX.
On XXXX XXXX 2017, I call the XXXX XXXX customer service number to check my balance. The call revealed that there had been unauthorized transactions on my account. I pulled up my account online and saw that on XX/XX/XXXXXXXX there were 3 charges made to XXXX in Florida, I live in Utah and did n't lose my card. I called XXXX XXXX XXXX to report the theft and after 15 or so unsuccessful attempts, the call finally connected. I cancelled my current card and ordered a new one. I was then transferred to XXXX who could assist me in reversing the fraudulent charges. XXXX came on the line saying, " you need a XXXX! '' I responded that there had been fraudulent charges on my account and I needed to be refunded the money that was stolen. She proceeded to tell me that they would mail me paperwork, which I was to fill out and return, then it would take 90 business days for them to investigate the theft. I tried to ask questions, but was not allowed to speak, as she just kept talking over me. She then transferred me to a recorded message and then the call ended. I called back and after another number of disconnected calls reached XXXX, who told me that I could qualify for to have the funds returned to my account within 10 days, but she would have to transfer me to someone else to complete that process. She transferred me to XXXX who denied any knowledge of being able to return the funds to my account within 10 days and repeated the lines about it taking 90 business days. I asked if there were forms online or if they could email me forms to expedite the process, she responded, " No. '' She said I could mail a letter to them alerting them of the theft. I asked her to go over each line of the form they would send out to me, so that I could write a letter that covered every detail of what they wanted. She refused. This money is used for us to live, it is survivor benefits and I am a widow doing my best to support my children who have already lost so much. Now they have lost any hope of having any XXXX gifts or XXXX dinner or anything good this month. Please help us get this money returned as soon as possible Thank you for your time
X/X/2017    i cant get on line with the dispute center of experian when i call them on  XXXX  number, 3 times on  X/X/2017    i was hung up mid way through call
I am writing to dispute the following information in my file. I recently received a copy of my credit reports  (  XXXX ,  XXXX , and  XXXX  ).  The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order  Please remove these inquiries from my credit reports immediately.
We have been paying our XXXX mortgage payment, every month on the XXXX of every month for nearly 9 years. 

Recently, we have a competency issue with the XXXX mortgage division regarding knowingly taking an extra mortgage payment in XXXX, on XX/XX/XXXX, after we sent our payment by check for the same amount ( {$3500.00} ) on XX/XX/2018. ( all proof of the " 3 mortgage payments in 2 months '' with bank statements ) is attached. ( The only reason why we mailed a payment in XXXX, was because the Settlement company for the people buying our house called and ( WITHOUT NOTIFYING US, XXXX bank must have (?? but no one told us ) changed our auto-pay date to the XXXX of the month. 

PLEASE NOTE : We did not complain about the extra payment in XXXX, we saw that we were paid for XXXX in XXXX Bank Mortgage 's system until XX/XX/XXXX. This appeared to cover the XX/XX/XXXX payment then. Imaging our shock in the morning of XX/XX/XXXX when I saw that XXXX bank was swiping an XX/XX/XXXX payment then from us on XX/XX/XXXX! 

We immediately called XXXX Bank Mortgage on Monday night XX/XX/XXXX and the call was difficult because of their rude staff, who blamed us for their mistake. Finally, we were transferred to a supervisor, who promised to return the mistaken extra payment for XXXX within about 6 days. 

Today is Friday XX/XX/XXXX and another rude person from XXXX Bank Mortgage called us ( XXXX and XXXX XXXX ) and advised that they should not have to return our extra payment!! We did tell them that our house is under contract and expected to close XX/XX/XXXX, however that is 11 days away and a different issue! 

Why does XXXX bank want 13 payments from us this year instead of 12 and what in the law allows them to take our payment for XX/XX/XXXX when, according to our bank records attached our XXXX payment was made on XX/XX/2018. 

Please make sure that by Monday XX/XX/XXXX that our {$3500.00} is ABSOLUTELY REFUNDED to our XXXX  checking account that ends in -- XXXX as we were promised already on Monday night when a supervisor at XXXX Mortgage promised us. We have been loyal an excellent paying customers for 9 years, and we deserve to be treated right and within the terms of our agreement with XXXX. 

Thanks! - XXXX and XXXX XXXX
Equifax has managed to have over 143 million accounts compromised. According to their security site, I was affected. Why exactly do I need to jump through hoops to have my credit monitored when they could n't securely do the one job they exist for?
LOANCARE bought our loan XX/XX/XXXX. 
They have sent out paperwork saying we owe our monthly amount PLUS PMI. They ADDED PMI back to our loan. 
PMI was removed by previous XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Emails have been sent. Phone calls on hold OVER ONE HOUR have been placed. Not contact is easy with this company. And after looking online at the company- of which we had no choice in taking our loan- has hundreds of cases like this. Tax numbers being wrong. Escrow accounts withholding and not paying out excess, etc. 
PLEASE REVIEW THIS COMPANY The idea of stressfully dealing with escrow every year or incorrect tax information EVERY year with these people make my physically sick with worry. They should not have this much power unchecked.
While I was on the phone with a representative of Bank of America, I was attempting to link my credit card to my DDA/Savings online banking profile. The representative, XXXX, requested my social security number, and it was provided. XXXX stated that my social security number only displayed the credit card account. By deductive reasoning, this obviously indicates that my social security number is not contained in Bank of America 's records for my DDA/Savings accounts, which they are required to collect at account opening. They should have this information on file, but have stated that they do not. 

In a separate but additional complaint, I was assessed a {$10.00} overdraft protection transfer fee on XXXX/XXXX/15 but my account did not and would not have had a negative balance had the overdraft protection not been applied. As shown in the provided supporting documentation, with the exclusion of the {$11.00} overdraft protection transfer, my account balances at any point on XXXX/XXXX/15 would have been a positive balance. In addition, making a {$11.00} transfer to cover an overdraft and on the same day assessing a {$10.00} fee, netting " protection '' of just {$1.00} seems quite predatory on consumers, especially considering in this case my account would not have even been overdrawn.
I was contacted on XXXX/XXXX/XXXX by XXXX XXXX XXXX who represents " Zenoco Collects '' about a XXXX debt in XX/XX/XXXX. This debt was sold off by the original creditor and eventually paid by me. This debt no longer stands valid. That debt has been paid and satisfied. XXXX XXXX told me the IRS has sent me a XXXX form which i did n't answer and he was looking to collect for them. He was willing to settle for {$600.00}. He threatened legal action if i did not settle with him by XXXX. I asked for him to verify this debt by sending me an email with said documents, which he never sent out. I then called the IRS to see if there was any pending outstanding balances with them in which they told me no outstanding balances or litigation. Then i called XXXX XXXX back twice and he did n't pick up. I called them to complain and they hung up on me.
This debt belongs to my exhusband. When I left the home on XX/X/2011 I contacted both XXXX XXXX XXXX and XXXX XXXX where I left several messages with XXXX and XXXX who both assured me that I would be taken off of the long and any debt that he incurred after that date will be HIS responsibility, not mine. He decided not to make any more payments after I left the residence and now I have it showing on my credit report because he is refusing to pay the {$5000.00} that he still owes them. We went to court I think two years ago and he never showed up to the court date. At that time I was told again by community investment group that they would be going after him for the debt amount. Now I am trying to buy a modular home and this is again showing up from XXXX XXXX group that the account is written off on my credit report showing that I still owe {$5000.00} and this is making it impossible to get my new home loan. I just want this removed from my credit report.