WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that Equifax had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.
Hello In XXXX I changed mobile phone carriers from XXXX XXXX XXXX to XXXX after being with XXXX XXXX XXXX for 18 years. The offer at the time was to send the phones back to XXXX XXXX XXXX and they would credit your account after you paid your final bill. I sent back two phones via XXXX in the boxes XXXX XXXX XXXX provided and tracked them along with paying the final bill. They were signed for by the receiving department and the matter was closed, at least I thought. 
Three months later I received a bill from XXXX XXXX XXXX for {$1500.00}, In my surprised state I called XXXX XXXX XXXX, they said they never received the phones, I advised they were signed for by the receiving department and they said those people no longer worked there..what????? they all left??? yeah ok ... I was turned over to a collection company and tried to explain it to them the person at the agency said she had heard the same story form alot of the people she was trying to collect from. It was eventually put on my credit report. I was contacted by a class action law firm that asked me to sign on to the suit against XXXX XXXX XXXX for doing the exact same " never received the phones along with gouging sales tax '' so I did. I then called transunion and disputed the case, they were great to work with along with XXXX I won the disputes and the charges were removed but now starts the fun stuff, XXXX XXXX XXXX changes collection companies every 3-4 months and it gets put back on my credit report then I have to dispute it and I win again it gets removed only to get put back on again 3 months later when XXXX XXXX XXXX gets a new collection company. SO there in lies my problem. I called the credit reporting companies and they do not have any way of flagging XXXX XXXX XXXX in the system so it will not go on my report every time they change collection companies, they advised me to contact you for help ... Please help me I am at me whits end and I have no where else to turn. They are controlling my life thru my credit which I have been trying to clean up. Thank you in advance for anything you can do to help me. my number is XXXX XXXX XXXX. 


Sincerely XXXX XXXX
This is a response to a previous complaint submitted regarding my credit report not having a FICO score and showing me as deceased. Transunion is now requesting a copy of my DOB. How does this company operate on a daily basis? TranUnion has my  date of birth and deceased date as the same date XX/XX/XXXX. Are they disputing that I was not born on XX/XX/XXXX. 

Additionally after not having a credit score for so long they decided to give me some random score of XXXX? I don't have any lates, derogatory information and have a lot of accounts with low balances or no balances for the purpose of maintaining a higher score. My FICO with XXXX is XXXX How did Transunion come up with XXXX? Also why are they requesting a proof of DOB?
The Home Depot failed to remove my name, as promised in letter, from credit report companies: XXXX after they found that the account use was fraud. I have letter from TheHomeDepotCredit Services where they confirmed that the charges on my account were incorrect. They did not take the steps to correct mistake regardless several calls.
Chase closed my checking and saving account and now I do not have access to my online account. ( I still have two credit card accounts and they are still open. ) Chase also does not return my fund, which is XXXX dollar.
XXXX XXXX XXXX XXXX is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of Florida to collect a debt. I've tried to contact this company via certified mail and have received no response. I would like this company to remove collections reports from my credit report.
On the X/XX/17 coin base decided to close my account for no reason I had only opened the account a couple of weeks earlier I got an email telling me they was closing my account and to move my coins and euros before they close it. 
I was able to move the coins to an outside wallet but to move my euros I had to select my bank from a drop down box to send my funds too but when I select a bank there is no bank there and I can not enter my bank details manually because I have only limited access to my account now basically there is no way of getting my money back I have XXXX euros in the coin base acc I have  made four calls to support now and all I get is my case will be handed to a specialist? 
These calls have cost me XXXX as it takes forever for them to answer and no help at all I have three case numbers XXXX Coin base do not want to help
Debt Collection company continues to call my XXXX daughters cell phone to attempt to collect a debt for another person. I have contacted the company XXXX different times, and XXXX of those times they have said that the number has been removed from their system, and is not attached to the account they 're trying to collect on, but the automated calls continue. In talking to the representative over the phone, they simply state that the number has been removed and that it will take XXXX hours to remove the number from the automated system. This has been the response each of the last XXXX times I have called, which covers a XXXX day period, so that is not correct.
Completed Chapter XXXX bankruptcy in XXXX. Mortgage company contacted us in XXXX XXXX via mail to notify us that they are foreclosing on our home due to not receiving a payment from XXXX XXXX ( during our XXXX ). The payment in dispute was a check that was cashed by a previous mortgage company and right before the new mortgage company acquired the loan. The mortgage company was given a complete list of all payments that were made by the trustee with a XXXX owed balance at the time of discharge. In addition to this ledger, the mortgage company was supplied a copy of the cashed check that proves they cashed the check for the month they are disputing was never received. I have also provided them with a copy of the discharged bankruptcy that states they, as debt collectors, authorized us to be discharged and that there was no outstanding debt at the time of discharge. It is now 4 months later and the mortgage company has not resolved the issue. We were in the middle of selling this home and in the process of purchasing a new home. We have now had to take the home off the market, lost the opportunity to buy a new house, and have damaged credit. Even with all the evidence, the mortgage company continues to argue that they need more time to evaluate the loan documents. I am in jeopardy of losing a job offer because my credit history states I am " late '' since XXXX when I have provided proof that I have not been late since we entered into this bankruptcy and have never been late in submitting payments when we started making them on our own again. I literally call every single day and have been told since XXXX that they need an additional XXXX more days to review. The manager will not call me back, the supervisor says he 's " done all I can do '' and we are forced to lose the chance of selling our property, buying a new home, and ca n't even rent if we wanted to.
I 'm receiving letters from XXXX and XXXX claiming to represent New Century Financial services. They claim that it 's a subpoena and ordering me to state my finances.
I went through a divorce several years ago and requested a home loan modification through Bank of America. Bank of America refused to get back to me on several occasions causing the process to take a year, destroying my credit in the process. Only when they got the foreclosure judgment and sent it to sheriff sale did they process it correctly and I paid on time for over a year. We decided to sell the home in 2015 and listed it for sale. After about 75 days, we received an offer and accepted. We promptly got an apartment, paid a deposit and signed a lease. We moved into the new apartment about 5 days before closing. As we were preparing for closing, it was discovered by the purchasing lender ( unknown to me ) that Bank of America had sold our overdue principal to HUD. This required us to sell our home for over {$150000.00} to break even. The house only appraised at around {$120000.00} because there have been so many foreclosures in our area. I contacted Bank of America to determine what we could do and informed them that we had a buyer if they could process the short sale immediately. They said that they would probably not be able to and " hopefully the buyer was still around ''. They went through the same process of continually requesting updated information for months while the process dragged on. I lost my buyer and could make the mortgage payments AND the rent payment on my apartment so I continued to work through the home modification process. I contacted their lawyers several times, received a response on a few occassions. Finally, on XXXX XXXX, I received an email back from XXXX XXXX at XXXX XXXX ( Bank of America 's attorney ) saying that my loan has been " service released '' to XXXX XXXX. I immediately called them to restart the process and was sent out a packet. I was in the process of submitting the packet and gathering all of the info they needed. My wife drove by the house and there was a sherrif sale notification on it for XX/XX/XXXX. Bank of America, who would no longer work with me and would never respond and sold it to XXXX, processed a sheriff sale. They began the sheriff sale process AFTER I was informed by their lawyers that they no longer serviced the loan! I called XXXX and they confirmed that Bank of America did complete that. 

Lastly, I logged on to the sheriff 's website to discover that BANK OF AMERICA bought it! 

I can only see this as they intentionally did this to somehow gain from the process.
I have received several illegal robocalls, and well as illegal and false misleading, misrepresenting calls stating that I participated in some fraudulent activity concerning a financial institution. I contacted the company and they said they were under new name XXXX XXXX XXXX. I looked up the so-called new company I found nothing such company. I requested validation and was transferred to another rep. then another rep. I never got any direct answers or any website information or FAX or even a email. This company is not licensed to do business in the state of OHIO. They are using bait and switch tactics to get you to pay for an account that is unverified, as well as under dispute for Fraud. PRG has no regard for FDCPA Laws and this company needs to be Stopped PRG AKA XXXX XXXX XXXX!
I had set up a payment plan with this collection agency to pay {$100.00} a month until the debt of {$1000.00} is paid in full. I payed the first payment of XXXX on XXXX XXXX 2017. I received a confirmation number from agency and confirmed that it was debited from my checking account on XXXX XXXX 2017. When I attempted to make another payment online on X/XX/2017, my account balance was the same XXXX {$1000.00} XXXX and no payment history was reflected on my account. I called the company to find out why my balance had not changed after my last payment and I was told that it would be looked into. I let the agent know I was not comfortable making any additional payments until my account reflected the proper actual balance. I am filing this complaint because I feel that I am being scammed out of my money. I have every intention of paying this debt as agreed but it looks like this agency is taking the money but not applying it to the balance.
On XX/XX/18, I made a call to ACS or Conduent ustomer service about my student loan trade line item on my credit report from XXXX. It is being reported as 120 days past due. However, the student loan was transferred to another office, called XXXX, and is being reported as current. Both of these are showing on my credit report. I explained to customer service that their reporting is misrepresenting my credit profile as non-current when, in fact, it is current and in good standing. 

Customer service says that it was in default at the time it was reported. At that, I was contacted by another office who was willing to help me out of default through loan rehabilitation. When I finished that program, my loan was transferred to XXXX of which payments are in good standing. 

There should only be a single line item for my student loan, which is XXXX. ACS will not remove their derogatory information upon my request. I have reached out to XXXX via a credit dispute and they informed me that to contact ACS. My dispute to XXXX was that I have duplicate accounts on my credit report which is my student loan.
I applied for a credit card through XXXX XXXX but was denied and received a letter from Synchrony Bank saying the credit report provided by XXXX provided 4 possible reasons and outlined them to me in a letter dated XX/XX/2018, none of which apply to me. After a lot of run around from XXXX and Synchrony, I requested my credit report and received that on XX/XX/XXXX from XXXX. None of the 4 reasons  applied per my credit report either. I also noticed there was an incorrect phone number so I requested that be changed and requested further information as to why I was denied a credit card. Then, I received a letter from Synchrony saying all of the info matched and nothing would be expunged. And also, I still have no reason for why I was denied a credit card. Throughout this whole process, XXXX has given me the run-around and Synchrony Bank has been unclear with the reason I have been denied. I am concerned about my credit but do not want multiple inquiries on my record.
Hello I was told I had to file 4 or 5 different complaints by your customer service people. this Complaint will be about Performant Recovery. 

Back in XX/XX/XXXX, Performant Recovery came after me. They committed several law violations. 
1. They only gave me a 15 day notice instead of the legally required 30 day notice. 
2. They never reported any of my social security garnishments to any credit agency which violates the Fair Credit Reporting Act. 
3. I do believe from time to time they robo called my house which might have violated the Fair Debt Collection Practices Act, but it definitely violated the Telephone Protection Act of XXXX. 
4. With all of the money I have paid Federal Student Loans I do not know if the fee I was charged by Performant Recovery would be legal. I did write the US Dept of Education previous collection agency some checks. 

I have made over 500 complaints to the Federal Bureau of Investigation regarding robo calls. I made those complaints through XXXX so you people can probably easily look those up.
This debt is not mine, I have no idea who this belongs to. I 've tried communicating this to the collection agency, however after recently pulling my credit report it is still showing on my report and I would like this removed, I have no knowledge of this debt.
There is degratory information appearing on my account for {$250.00}. This account is old. It was opened XX/XX/2012
Bank of America is refusing to modify my HELOC on my primary principal residence.

Bank of America states I don't qualify for a loan modification. I have made numerous attempts to apply for a loan modification and have been denied.

I recently in the last two months modified my 1st Mortgage with XXXX XXXX with no problems. XXXX XXXX modified my loan in less than 20 days with no hassles. Bank of America is not making any attempt to help me stay in my home. It is frustrating to get the run around with Bank of America when applying for a Loan Modification.
Upon the recommendations of both my realtor and my mortgage broker, I submitted a request for the removal of my Mortgage Insurance ( PMI ) approximately 6 months following the closing date on my home. I verified the required LTV ratio ( XXXX % or less ) for removal of PMI via my online account with the mortgage company ( " if you have good payment history [ true ], you may request cancellation of your PMI on or after the date the principal balance of your loan reaches 80 % of the original value of the property '' ). When I requested, in writing, the removal of the mortgage insurance ( prior to the appraisal ), the letter I received from the lender specifically stated " For loans originated less than five years ago [ true ], but open for at least two years [ false ], the LTV must be at or below XXXX %. If your loan was originated less than two years ago [ true ], generally it wo n't be eligible for PMI termination unless you are the original borrower on the mortgage [ true ] and significant improvements have been made to the property resulting in an increase in property value [ true - approx {$35000.00} invested in improvements, primarily in a new kitchen ]. '' I found this unclear and bit contradictory - did I need XXXX % LTV or XXXX % LTV? So I called and spoke with a representative from the mortgage company who confirmed for me that the loan-to-mortgage ratio needed to be at or below XXXX percent, following an appraisal of my home, in order for the mortgage insurance to be removed. Based on this information, I submitted a payment of {$390.00} for the bank to send an appraiser of their own ; they would not allow me to hire an independent appraiser ( I specifically asked due to the obvious bias a bank-hired appraiser was likely to have ). The appraiser spent less than 5 minutes on my property, and her appraisal ( {$250000.00} = {$22000.00} more than the selling price ) did not seem to reflect the combination of increasing property values in the XXXX and specifically XXXX XXXX areas, along with the significant investments we had made in improving the home. Regardless, this new appraisal brought me to an LTV of about XXXX %, which based on the information I had, I understood would remove the monthly PMI payment I 'm required to make. Only at this point did I learn that, according to the bank, I needed to meet an LTV of 75 %. Thus, I paid {$390.00} for an appraisal based on false information, and achieved no results or savings from it, and according to the bank I am still required to pay a monthly PMI of between $ XXXX-XXXX. I think it 's important to note that I have a perfect payment history. I pushed back and the bank did not agree with me regarding the removal of the PMI. Then, today I received a refund check based on XXXX and XXXX XXXX fraudulently advertising savings available via a fee-for-service payment program that I joined to reduce my total interest payments over the long-term. This immediately reminded me of the questionable practices surrounding my PMI and appraisal, and I feel I need to now report what is likely another area in which XXXX/CMC Funding is defrauding its customers.
I attempted to close m y Wells Fargo checki ng account on  XXXX   XXXX ,    2017, in  writing, via their online messaging system. I received a reply stating my account was on hold and I would need to call Customer Service to cancel the account. I called  Wells Fargo  Customer Service on  XXXX   XXXX ,    2017,   XXXX  CDT to close the account and was told by Representative   XXXX    XXXX  ext  XXXX  that I would have to go into a  Wells Fargo Branch to  close the account.     I refuse to go into a  Wells Fargo Branch, d ue to the unprofessional interaction I had a month ago with the Teller  Manager  at th e Wells Fargo Branc  h    XXXX   XXXX    XXXX   XXXX , TX  XXXX  . Wells Fargo has  also begun charging a $   XXXX   monthly fee which I refuse to pay going forward. The fee was assessed on  XXXX   XXXX ,  2017, I initial ly requested this account closed on  XXXX   XXXX ,  2017.           XXXX   XXXX
Your submission, [ Case number : XXXX ] XXXXXXXXXXXX how do I get this counselor I believe everything they are doing to me is illegal and I am being treated unfairly I still have not gotten any paperwork from them other than the paperwork I will be sending them back for my situation. They returned my XXXX dollars I sent to them they would not except it like always they deny my payments. I send to them.They lied and told me they never received that check when they did. I ca n't control the mail or how long it sits on there desks before they decide to process it. I have been lied to time and time a gain from there receptionists who answer calls and managers and supervisors and they will not assign one case manager who knows exactly what is gonging on with my specific case. I believe the are in fraud for WI standards and need help. Were do I go from here are there XXXX lawyers who may help me with my case against Nation Star. Thank you for your time and help XXXX XXXX
After reviewing my credit report there's misleading information that appears on there, more specifically an account that does not belong to me, it looks like this account was opened fraudulently on XXXX.
I received an email from a debt collector TrueAccord, saying that I owed {$14.00} on a XXXX XXXX account. I called XXXX and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. 

XXXX told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no XXXX branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.
I never received my  XXXX  form 1099-INT from Santander for either my checking or savings accounts that I opened on XX/XX/XXXX  and closed on  XX/XX/XXXX . I contacted them by phone in  XX/XX/XXXX  to check why I had not received the form ; the customer support agent told me that they would re-send the form to my mailing address. I have not received it yet, and at the time the agent refused to provide a digital copy, so I do n't have an alternative way to access that information.
Hello, Equifax has block/removed my profile information within their monitoring system ...! I use Equifax monitoring system to monitor my credit. Every since I responded to case number # XXXX. Showing that Equifax stated they an inquiry was not reporting to my credit, but once you look on their monitoring system, you can clear see the information still reported my profile ... Now, today when access Equifax Monitor System it displays no information at ALL!!! 

I have complained about Equifax adding a number of different account to my credit and report and they have yet to resolve the issue and I have got denied credit because of their errors ... Please see the attachment, which clearly shows Equifax Monitor and with no data for me, but I 'm a paying customer that had data before they were caught not being honest. 

My score was fine on XXXX XXXX and after that a number of BAD ACCOUNTS WERE added to my credit report by Equifax including a number of inquiries ... I have requested Equifax to place my account as it was on XXXX XXXX and they have yet to do so. 
I have attached both of those reports from the XXXX XXXX and XXXX XXXX, please see the difference.