WillisBack/dataset-financial-user-claim huggingface dataset:
Refer to case XXXX. The XXXX XXXX - CashCall shell game will not go away. After paying more than {$35000.00} on a {$10000.00} loan, CashCall and their thugs continue to try to drain money from me. The most current version is some alleged XXXX XXXX with and outfit claiming to be XXXX XXXX XXXX - phone XXXX. XXXX continue to get harassing calls from all sorts of debt collectors, event though I paid this off to XXXX in XX/XX/2016. I 'm pretty certain this has played out the way XXXX XXXX XXXX XXXX planed out, with hiding behind an Native American laws to charge interest at a rate well beyond any state or federal government rules, and using the full force of the federal and state governments to attempt to collect. After state and federal governments finally catch up and inact laws to stop his practices, whatever loans that have been handed out ca n't be touched. Then, when victims can pay no more, he sells off the loan information to multipe 'debt collectors ' who claim to have 'ownership ' of the loans. The alleged XXXX XXXX of XXXX XXXX ( XXXX ) threatened me with lawsuits and threatened to harass my family members - specifically my wife. I have had enough!!!!!!!
A woman by the name of XXXX XXXX with Weinberg Mediation called, and left a menacing message saying that they had an important legal matter to discuss with me. If I did n't call her back today, they would take further legal action. 
I looked up the company, and they are debt collectors. I also found MANY places on the internet  where multiple people say this company is a scam. I do n't have any bad debt, but pulled up my credit report to double check. All clean. This company is obviously trying to scare me and scam me out of money. This is unacceptable.
I sponsored a credit card for my son, XXXX XXXX over 25 years ago when he was attending college. It has been several years since he paid off any charges and closed his card ; I have not had a credit card with USAA for over 20 years. USAA has reported corrupt information to the credit reporting companies that has resulted in me not being able to verify my identity to other financial institutions. When I attempt to login to XXXX XXXX Bank where I do not have an established pin, I am presented with about five series of questions relating to : residence, mortgage, employment and relatives that I am unable to answer because they are often related to my son 's activities. 
This situation has become untenable and utterly frustrating to me as I have been repeatedly thwarted with being unable to gain access to my finances and records. 
Yesterday, I attempted to establish a login with the Social Security Administration and was summarily denied because I could not answer the series of questions, some of which pertained to my son XXXX. 
I have contacted the XXXX credit reporting agencies and have not been able to clear the situation up. Specifically, XXXX informed me that some of the corrupt information would have to be retained until 2020 unless the originator cleared it up.
I am a victim of repeated identity theft. There were several RECENT accounts opened in my name and it seems the accounts are attached to one of my homes Im rarely at. 

1. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} I filed a police report XX/XX/XXXX for identity theft and sent it to all bereaus, totally unaware at the time of this account cause it wasnt posted yet. This is not my account, please remove this. Its off my XXXX  but XXXX and XXXX has yet to comply even though Ive sent in police reports. 

2. XXXX XXXX Credit Card Open Date : XX/XX/XXXX Balance : {$1200.00} Again this is not an account I authorized nor opened. I filed a police report. I was staying at my other home in XXXX, XXXX  at the time these accounts were opened. 
I am asking XXXX, XXXX XXXX, and XXXX to please remove this fraudulent account. 
3. XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$8500.00} Ive filed a police report on identify theft. 
4. XXXX XXXX XXXX Services Date opened : XX/XX/XXXX Balance : {$7500.00} This account has been reporting since XX/XX/XXXX. Ive disputed this account. Also, XXXX Statue Of Limitations on debt credit reporting is 6 years. This account is still reporting to XXXX  and XXXX  in XX/XX/XXXX. That is against the law. Please remove this account
I received an updated credit report with a " new '' collection added. Afni, Inc added a collection on my report in the amount of {$91.00} that was re-aged. This account has been re-aged and is falsely reporting to two of the three major credit bureaus as of today. They are in violation of Section 623 ( 5 ) ( A ) of the FCRA.
ID THEFT! The account listed on my credit report by XXXX XXXX XXXX XXXX is a fraudulent account. XXXX XXXX XXXX is a bankrupt insurance company in California. I do not nor have I ever lived in California. The agent that XXXX XXXX XXXX XXXX says created the policy had his license suspended in Texas for fraud. Attached is my FTC ID theft report! Delete this tradeline off my report!
I have disputed the information to Trans Union and have requested the method of verification and Trans Union has never submitted the information regarding how and whom they spoke with to determine how the inaccurate / erroneous information was verified. I understand that they had 15 days to verify stating that I made a last payment XX/XX/XXXX Trans Union has verified this inaccurate / erroneous information and then have ignored my requests for the method of verification as provided under the Fair Credit Reaporting Act.This inaccurate INFORMATION SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY..
I 'm trying to work with my lender BSI to do a shortsale since they denied me for a loan modification and they refused to look at it XXXX more time, my realtor send them a listing agreement last week they have the house up for foreclosure for XXXX XXXX I need more time to finalized the listing
On XX/XX/XXXX, a process server dumped a summons that had my name on it to my wife while I was not on premise. Regarding a credit card I held once with a banking association called FIRST NATIONAL BANK OF OMAHA. I do remember I did have a conversation with that institution once, informing them of my unemployment status, but not aware of the balance nor did I have any information in the form of statements to what that balance was. That particular credit card was destroyed, by myself, two years ago in XX/XX/XXXX. 
Now I am being sued, by a law firm called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Tel : ( XXXX ) XXXX. I have never heard of this firm, this the first time I 'm seeing anything related to a credit card account that is in arrears, and given 30 days to respond in the Superior Court of California, XXXX XXXX County, where the financial institution, First National Bank of Ohama, has never sent me any email, phone call or mail that to let me know of an outstanding debt. I have not even been given an opportunity to verify whether the debt is mine or not ( my identity was comprosed three years ago when my XXXX credit card was stolen and used- which is why I destroyed the credit cards and issued a statement, in writing, to all of the credit card companies that someone had my account information ). This law firm, XXXX, as far as I can determine, was required to at least send me a letter letting me know they had been retained to settle a debt on behalf of the finanical institution. If they had, I would have worked with them. 
Instead, I 'm getting hit with a lawsuit, without any warning, or being informed prior, that there is a debt out there with my name on it. And with any credit card, according to the Fair Debt Collection Protections Act of XX/XX/XXXX FDCPA, I was supposed to be informed and given ( x ) amount of time to contact to find out if the debt in question is mine. 
I was not given this. Instead, no communication from the financial institution, no communication from the " debt collection '' law firm it apparently was handed to. 
What I know is I have a right to review the debt, with all relevant information pertaining to it, PRIOR to having a lawsuit filed. This financial institution and this debt collection law firm violated my rights to review the debt to determine whether it was mine and respond in a timely manner. Instead, my wife gets hit with a summons of a debt that is addressed to me, and me solely, when I was not there, without any form of prior attempts of communication by the firm or the financial company. 
Which is a violation of the FDCPA and my rights as a consumer, over a debt I do n't even know if it 's mine. 
Thank you for your time.
In XX/XX/XXXX I had a Deed in Lieu when my husband became a XXXX veteran ( as of now we are both XXXX veterans ). Equifax was not correctly reporting the information, they were showing missed payments past when the DIL was accepted. In XX/XX/XXXX I submitted a dispute because they were still reporting incorrectly. The date of last activity changed to XX/XX/XXXX when I pointed out their error. In XX/XX/XXXX XXXX XXXX sent them a notice showing the account was closed in XX/XX/XXXX. Thus, my last activity was changed to XX/XX/XXXX. Now my deed in lieu, which has had zero actual account activity since XX/XX/XXXX has an active date of XX/XX/XXXX, therefore, I can not acquire a mortgage loan ( Banks use a computer underwriter that picks up the last activity date ). Equifax is still punishing me from something that happened in XX/XX/XXXX, and stating it will be on my credit for 7 more years, even though I have not done anything with the account other than show them their own errors. The DIL and loan number are shown correctly on my husband 's Equifax report. How am I to ever be able to correct my credit if I am to be forever punished for something from XX/XX/XXXX? How are consumers to correct an error by a credit reporting agency if it then makes the account active again? This type of reaging is an unfair practice.
My XXXX XXXX XXXX was declared a total loss. The incident occurred only 2 weeks of getting it. I called my lean holder, TD Auto, to inform them of the situation. After informing them of what was going on they told me to hold of on making the payments, that i only had to worry about making the interest payments. The whole loan was payed of by the insurance and gap insurance. I was then hit with a late payment.
XXXX, XXXX and XXXX will not update my VA Loan with Wells Fargo. They have no data and has caused a XXXX to XXXX point loss in my credit score.
on X/X/2017 I sent equifax, XXXX XXXX proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided Equifax, XXXX XXXX with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.
Credit bureaus are showing a bankruptcy on my credit report which was reported by  US Bankruptcy Court. I contacted the court and received a letter that states the do  not report to the bureaus. I also have a security freeze on my personal file with  XXXX , a private third party company, to prevent them from giving my information to anyone.     The credit bureaus have refused to remove this from my credit report.
My client,   XXXX   XXXX   applied for an  SBA  guaranteed working capital loan to TD Bank,  XXXX  Florida Office, Loan Officer  XXXX   XXXX . The loan application was refused. I requested a letter providing the reasons for the denial. That request was made orally ore than 60 days ago.  XXXX   XXXX  informed me that t he SBA lo an committee would provide the requested letter. That has not happened.
I was directed to put the loans into a forbearance amount of time until I could afford my loans. I then put the loans into a interest only payment for a year until they put me back right into the normal repayment. Please note the normal repayment was over XXXX $ a month.
I XXXX XXXX would like to cancel my dispute ( # XXXX ). I uploaded an credit document and selected the wrong option. I received the below message informing that I had to processed my dispute manually. 
Thank you for contacting TransUnion. Our goal is to maintain complete and accurate information on consumer credit reports. The dispute request you sent us via the TransUnion online dispute feature will require manual processing
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX. Misappropriation of government funding and income tax fraud with the XXXX at XXXX XXXX located on XXXX XXXX XXXX, XXXX, VA XXXX. Construction materials audit fee of {$120000.00} to track materials used for the community. Insurance agent fee with XXXX XXXX in the amount of {$130000.00}.
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question which have been removed several times because these are inaccurate and have been removed because they were a result of identity theft. I HAVE SENT IN AFFIDAVIT OF IDENTITY THEFT YOU HOW EVER HAVE ALLOWED TO REINSERT I NEVER received a written notice 5 days prior to it happening, I am entitled to {$1000.00} per account that was added back ILLEGALLY. 
As per FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
The accont is XXXX XXXX XXXX {$510.00} Opened XX/XX/2018
I was given a pre-approval letter stating exact dollar amount and that this had underwriting approval. several days before close I was told I do not qualify. then after my rate lock expired I was told they could fix it and they would close on the loan, however at a much higher rate and less amount financed. the mortgage originator than told me that I could close at the higher rate and lower amount financed and make payments to the previous owner on the side with out the mortgage company knowing about it.
I logged on to my XXXX XXXX account today and saw a new account in collections. It was a different collection agency but the same account that had already been removed previously because I didn't take it out. The new company is called XXXX XXXX XXXX   who are collecting for XXXX XXXX. They say I opened the account in XX/XX/2017. Which I know for a fact wasn't true because I wouldn't open a new credit card account ( and wouldn't be able to ) when I had lost my job and was being evicted. I call and they tell me that I bought new tires for my truck, which I didn't. The only truck I have hasn't run properly in five years, I am not putting XXXX dollar tires on a truck I can't use. It has already been removed as fraud, now they are just harassing me and putting it on each report over again, weeks before I buy my house as well!
I opened a student loan in XXXX 2012 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8100.00}????
My mortgage account with Specialized Loan Servicing is not reflecting that it is paid off on my XXXX report and I recently tried to contact Specialized Loan Servicing to no avail.
I have a small business account with TD Bank. I was charged an overdraft fee of {$70.00} on XXXX/XXXX/2017 for checks posted on XXXX/XXXX/2017. I had enough funds in the account to cover the checks that were posted on XXXX/XXXX/2017, but was charged XXXX overdraft fees. I called the XXXX banking department this evening to get the fees refunded to my account but was told it can not be done without an explanation.
Regardless if they had a sign up like they say referring to XXXX money mart has severalsigns they never pointed out an option menus and failed to tell me how much they charged me, now I want full reimbursement because they tainted my cash I want the full amount of the check I cashed because they tainted my money also the state of California does not want them burning me also they have copies of XXXX checks the XXXX was to my attorney and the other to me and they are withholding XXXX of them from you why?
On XX/XX/2017 I requested an increase to my XXXX account and was told by the credit department that they tried to pull an Equifax Report but where unable as there was a security block placed. I was quite shocked because I did n't authorize the block so I did n't know how to respond. I have requested both 1 ) a copy of my current report as I was declined by the XXXX and 2 ) a signed copy of the person or entity that authorized the security block.
XXXX sold my account to I.C.System INC. They are in violation of HIPPA I did not authorize my medical records be given to a third party. I did not give permission to release my medical records. Nor did they advise me that this was something that was going to happen.
The collection ( {$3100.00}. XX/XX/2018 ) on my Transunion report was wrongfully placed on me. It actually belongs to my relative who used my address. I sent Transunion the debt collection notice & medical bill with my relatives name as proof but they still said the collection stands. I contacted the debt collector and even they had my relatives name instead of mine in their system. It seems Transunion was NOT really doing any investigation on dispute and was not willing to fix their error.
I do not recognize this account this account has been opened as a result of my identity being stolen it needs to be removed asap
I got a loan in XXXX with Consumer portfolio services. I did not pay the loan off because the car was stolen and never recovered. Insurance paid the balance at the time. The creditor has been reporting this debt and changing the dates past the seven year period. The car was stolen I believe in XXXX but they are reporting XXXX as first report date. I have disputed with the credit bureau who indicates that the information is correct however, it is not.
XXXX XXXX XXXX is not being reported correctly again. The date the account allegedly was opened is confusing and looks to be in error. The application was signed XXXX/XXXX/XXXX however they are alleging the account was opened XXXX/XXXX/XXXX. The full payment history including all of the credit card statements were not submitted as per XXXX XXXX. The billing practices are in question now, due to not giving full disclosure on the biling and the payment history which was also requested with Case XXXX.Where is the proof that they confirmed the open date of the account. There all sorts of inaccuracies and incomplete items regarding the reporting. The credit bureau indicates the account was opened on XXXX/XXXX/XXXX. For all of XXXX up to XXXX XXXX how can I assume the reporting was done properly and correctly. 
Experian is not PROPERLY reporting the date the account was opened
On the XX/XX/XXXX early afternoon PST, I was swamped with around 2000 emails, 999 to my inbox and the balance in junk mail. Whilst deleting those emails I came across one from Bank of America notifying me of a transfer of {$7000.00} from my business account to another BOA customer. I immediately rang BOA and the full story is attached below. While the event has been resolved and the {$7000.00} returned I was appalled by the treatment and complete disregard for the safety of my other accounts that could easily have been compromised during this period.

The only credible assistance offered was by the fraud investigator XXXX XXXX XXXX of BOA, however this was not until after 30 days had elapsed.
I took an offer for a balance transfer with Suntrust Bank that ended on the XXXX. 
At the closing date of XXXX/XXXX/16, I had a balance of {$1000.00} and I called Suntrust to check when they will begin to assess finance charges. I was told by the bank rep that as long as I paid off the balance by the next due date of XXXX/XXXX/16. I will not be assessed a finance charge, which I did. 
However, I was sent another promo offer with convenience checks, which I did apply for in XXXX 2016, and from then, I was being assessed finance charges, even though, the previous balance that ended on XXXX was paid off. The bank rep XXXX XXXX said that they had applied all XXXX payments that I had made from XXXX 2016 to the balance with the lowest APR, which was the recent balance transfer, and this is why they were charging me finance charge on the {$490.00} balance of the first balance transfer that should have been paid off with the XXXX payment of {$590.00}. 
I am looking for them Suntrust to credit my account back with all the finance charges starting in XXXX 2016 to recent and not to charge any finance charges on the current promotion that I have.
Synchrony /XXXX  XXXX I have contacted XXXX many times and there refuse to stop reporting on this account after it was sold A clear violation of reporting They state You are reporting every month after it was sold I faxed to day XXXX  XXXX copies of your documents asking to remove this account from XXXX . Please Remove this account respond through the CFPB you will or refuse so I can proceed with what action I will need to take. enclosed are your documents and a copy of XXXX credit report 10 days from the date CFPB sends to you to respond is fair
I purchased a pair of shoes online for {$300.00} via the XXXX app through my banking services with PNC. I received purchase confirmation via email but never received the actual item. I have contacted the merchant with no responses. Now, the fraudulent merchant is continueously withdrawing {$300.00} from my account. 

I have contacted my bank and they have said since I authorized the first payment, there is no buyer protection for me. But why cant they stop the continueous unauthorized withdrawing of funds from my account? I am desperate for a resolution. Is there anything my bank can do for me to provide a courtesy reimbursement of my funds? If not the first authorized payment made by mistake, then at least the charges thereafter. Thank you.
XXXX XXXX. Final payment was paid on XXXX XXXX, 2014. Equipment was returned and the collector said that the charges were for " services '' and that the account was n't actually closed until XXXX 2014. We moved in XX/XX/XXXX to a new address. We also have XXXX XXXX currently so I 'm confused how we got service here and yet some collector has this as a debt?