WillisBack/dataset-financial-user-claim huggingface dataset:
I made a banking online payment to XXXX for XX/XX/2016, and XX/XX/2016. My bank, XXXX XXXX XXXX returned the 2 mortgage payments to my acct stating there had been an address error in delivering the 2 payments. By the time I got the monies back in my acct, and paid the 2 payments, it was late, XX/XX/2016 payment arrived XX/XX/2016. My bank wrote a good faith letter which XXXX honored and waived any lates, negative credit reporting for those 2 payments. I sent Experian a copy of the good faith letter from my bank, and also a letter from XXXX stating they honor the good faith letter. Experian refuses to delete the negative credit reporting for the XX/XX/2016, XX/XX/2016 payments.
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 )  COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 

Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 161 ) days and no response yet. More so, Experian keep adding an ( 90 ) day fraud alert extension onto my credit report.
I applied for a Sams Club Reward Credit Card Reward, and I was sent a regular credit card with no rewards.
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. This creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
XXXX XXXX XXXX. The account is still showing active on my report and its not mine. This account is lingering on my account after I have let them know that someone in my old apartment complex has found my old Id with my social on it and refuses to give it back. Subsequently my taxes were compromised for two years and I am in the process of buying a home and this old account is prohibiting me from doing so.
I had a personal load with XXXX with a equity load and XXXX they sold myloan Green tree and XX/XX/XXXX my house went in foreclosure and the sheriff sale. I was evict from the house XX/XX/XXXX and have not lived in the house since then XXXX sold the loan to Green Tree. I was still trying to pay the loan and was told that once the house went in foreclosure I was no longer responsible for the loan I told this to Green Tree that I was no longer going to pay for the loan on a house that I no longer own, the house was sold XX/XX/XXXX They call me everyday of the in the morning in the evening all time of the all threatening me to pay they or move from the house I no longer own the house in question is XXXX XXXX in XXXX Michigan XXXX. They would call on different number and are still call me today. now they have this companyDitech sending me bill and increase the amount of the loanI would like them to stop sending me bill and would like the money I paid to them return to me. I can mail the letters to you if need in you need the account number it is XXXX
i call to chase and they said that I has to call XXXX, when I call XXXX they said that they not have a chase inquiry in my credit report
Dear Sir, Citizens Bank Did not answer my previous Grievance related to US Department of Home Land Security/Law Firm Check Deposits and Check Clearance Records, which are are missing in my bank records and statements. Also, they printed my contact details of phone number wrongly in the response. Also, they added wrong title before my last name in the interim response of Citizens Bank. All my salaries getting deposited to my individual check-in account at Citizens Bank, which are associated to my name, social, name, address and various identification details. Still, Citizens Bank mentioning the title of last name, phone details and various details wrongly in the consumer finance bureau complaint 's response. Citizens Bank intentionally causing troubles to customers and committing fraudulent activities. Citizens Bank mentioned in the response that they would deduct money from my account if account number and routing number given to them by anybody and also there is no value and verification of Authorized checks. Whats the point in giving Authorized Checks and does not give the accurate details of checks to customer if citizens bank does not verify the checks, signatures, various authorized details. Lawfirm confirmed that they correctly deposited the checks XXXX/XXXX in the Bank and Department of Homeland security correctly deposited the checks.Citizens Bank holds the complete legal accountability and responsibility for tampering the check images and numbers in the account statements, manipulating my individual account transactions and various fraudulent activities related to my individual check-in account. Could you kindly direct citizens bank to issue the official letter with corrections of my title, phone number, check clearance records are missing in the Bank Statements, legal terms and conditions for check clearance without even verifying my signatures of my checks and various identification details. Also, I need official letter to proceed with federal officers and Department of Homeland Security. I need to contact Federal Law Enforcement with official complaint by attaching my original checks and immigration procedures and concerned documents. Could you kindly direct citizens bank to response to my complaint in 5 to 7 days. Citizens Bank holds the complete legal accountability and responsibility at Immigration Fraud department if someone claims these checks and gain any immigration benefit using my identification.
I am a victim of identity theft. Someone, using my name, requested a credit card from XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH, XXXX XXXX ) and made several purchases at XXXX XXXX XXXX in Texas. 

I asked XXXX XXXX to close the unauthorized account No. XXXX, falsely opened using my name and to take steps to remove the information about this account from my credit score files. To date I have not received written response from XXXX XXXX. 

I have opened an FTC Identity Theft Report, send letters to the retailer ( XXXX XXXX XXXX ) and asked XXXX and XXXX to stop reporting this fraudulent information and delete the disputed item in my report.
NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Equifax should demand itemize billing documentation of medical bills that I attended XXXXXXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Instead of just believing them against me. 

I do not attend XXXX XXXXXXXX XXXX and owe no bills to them or anyone. Investigation should be more than just calling XXXX XXXX XXXX but documentation as to why derogatory medical bills were in my reports XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX
I applied American Express Platinum charge card this XXXX and spent XXXX dollars in 3 months using this card. I got XXXX membership rewards points as the bonus in XXXX. 
But American Express took the XXXX points from my account without notifying me.
MY WELLS FARGO CREDIT CARD LIMIT IS INCORRECTLY LISTED AS HAVING ONLY A XXXX DOLLAR LIMIT. MY CREDIT CARD LIMIT IS XXXX DOLLARS FOR THAT CARD.
I got a call at work and was told I my receipt got sent back for wrong address. I them asked what my total due was XXXX XXXX gave me an amount due I unaware of. I have been calling for months making a {$15.00} payment and he not once mentioned I had 3 other bills. I had no knowledge of these bills and further more the address they were sending these bills I have n't lived at in over 3 years. So I was frustrated I never agreed to pay 3 more bills I did n't even know I had 3 bills. XXXX was rude and cursing at me I started recording call once began yelling saying they do n't pay him enough to be dealing with me. He was out of character and when I asked to speak to speak to a supervisor he would not give me a direct number supervisor was no help kept asking for my updated address and did n't care how I was just disrespected. I have never in my live been treated like this my any person I work for a major company and have never been spoken to like that by even a customer. My medical info should have never been sent there its violation of my HIPPA rights.
After defaulting on a home improvement loan from XXXX ( XXXX ), I entered into debt collection with Kirschenbaum , Phillips & Levy , P.C . ( KPLPC ). It was arranged to deduct $ XXXX/month from my checking to pay the ~ {$5000.00} remainding balance. As of XXXX 2015, I finished paying the debt with a remaining balance of {$210.00}. However, KPLPC, for some reason, deducted {$400.00} from me in XXXX and XXXX. 
After discovering the deductions, I called KPLPC in late XXXX to ask what was happening. On the initial call, they claimed not to know. On subsequent calls, they noted an error and stated they were in touch with XXXX and would resolve the issue. At this time, I was still getting " bills '' from XXXX, stating my balance was at - {$800.00}, indicating to me, the balance was paid and sent to XXXX. 
Come XX/XX/XXXX, I still had not had the issue resolved by KPLPC. I spoke with managers XXXX XXXX and XXXX XXXX on numerous occasions to be told the issue was being handled and a check would be sent, and to call back early XXXX. 
Come XXXX XXXX, no resolution. At this point, XXXX sent a new " bill '' saying I owed {$78.00} for lawyer fees and the prior - {$800.00} was gone due to " adjustment payments ''. I contacted XXXX directly to ask what was happening. XXXX claimed they were in contact with KPLPC, and the amount was ACTUALLY {$1200.00} THEY DEDUCTED FROM ME. XXXX also claimed they sent the money back to KPLPC. I emailed and called KPLPC with this information and got this in return from XXXX XXXX - " I was able to talk to XXXX this afternoon. They asked that you communicate directly with them and for me to direct you to their office. They again gave me XXXX to give to you and they asked that you call them directly. I was also advised that they did not send any money back to our office. I am unsure where that part of the communication is coming from. Unfortunately this is all the information that I have. I hope you are able to speak to someone at XXXX that will be able to help you in regard to this matter. Thank you. " Since that email, sent on XXXX XXXX, I 've mainly been in contact with XXXX, but they are currently not being too responsive. When I called XXXX XXXX, they claimed they were still checking their accounts for the money and a resolution.
I just had a credit report done and find that XXXX XXXX is on my credit report I never apply for credit with them. Their reporting that I apply on the report in 2011 I was under XXXX year old at that time. Also on my credit report they reported my name spelled different and different social security number and date of birth with also different residential address. They also was report all this different phone numbers .I filed a dispute with the credit bureau and this time and put a fraud alert on my records. I also have not receive a letter from in the mail for this credit card. On my credit report it states my current address and they have not sent no letters or I would of told them this is not mine bill. This is not my debt. I also was puzzled Midland Credit Management is not showing this debt owing on my credit report. I saw the XXXX XXXX on my report and disputed this creditor and they sent told me they sold account to MCM but this is not mine bill.
( 1 ) What happened : On XXXX XXXX, 2016, M & T Bank honored a {$700.00} fraudulent " digital check '' against our joint checking account. On XXXX XXXX, I found this check in an online review of our account and immediately notified M & T Bank of their negligence. We were told that the withdrawal was made against a " digital check '' which the bank was permitted to honor although it contained no signature and no endorsing signature on the back. The check number was higher than any check we had had printed for this account. We did not authorize this check or provide our bank account and/or routing number to the payee- or to anyone else- in writing, by phone, fax, or online. We visited our local bank the next day, as instructed, where we filed an Affidavit of Forgery and where we were advised to freeze the affected account and open a new account- which we did. 

Freezing our account meant that Social Security checks, which were automatically deposited, would not be available to us until the SS Administration is able to reroute the checks XX/XX/XXXX. 

For many XXXX, all of this could have been an impossibly time-consuming process and a catastrophic financial situation, perhaps affecting access to funds for medications and other living necessities.
I called and asked Portfolio Recovery to stop calling my number for a debt that is not mine. However, the company continues to repeatedly call almost every day, before XXXX XXXX and after XXXX XXXX. I have made it clear that I have no debts to collect and that they are calling the wrong number.
Good Morning Equifax. I want to start off by saying thank you for making progress here.. but I just looked at my Equifax complete service and I noticed that the XXXX account that we are going back and forth over is not even my account I have attached a document with the card I have with XXXX and the only one. I asked you if you could please remove this account that does not belong to me. 
if you can see it in your heart and please remove this account because it 's not mine
Experian refuses to let me obtain my paid credit disclosure online. On XXXX XXXX and again on the XXXX, I attempted to purchase my Experian disclosure online for {$12.00}. Although I entered precise, accurate identifying information and the address as exactly written on my previous Experian reports, Experian refused to let me complete the purchase online. Instead, they try to force me to call an automated number which can not accommodate hearing XXXX. I also do not wish to obtain my reports via mail as it takes too long and also it 's onerous to scan my XXXX report to save in PDF format. Obtaining it online allows quick conversion into PDF. Experian does this to force me to pay them over {$30.00} for a different online version which they do conveniently allow me to purchase online. I believe Experian refuses online access as a means to generate additional revenue when forced to buy the {$30.00} version.
BBVA COMPASS - ( ACCOUNT NUMBER XXXX ) XX/XX/2016 BBVA COMPASS FRAUD and INVESTIGATION Department RE : account number XXXX To whom it may concern : On XX/XX/2016, I received an email from your bank indication fraud was impacting my checking account. In fact, {$3300.00} was stolen from my account after BBVA COMPASS allowed someone to compromise it. I called BBVA COMPASS that evening and could not access my account as passwords and security questions had been changed. After a quick investigation by BBVS COMPASS, I was told someone called in to their customer service to change information, followed by the creation of a 'WALLET ' access to my account, followed by a request for a new debit card, and finally on XX/XX/2016 the {$3300.00} in purchases and debits were taken from my account. All happening in OHIO or IOWA. 

Prior to the big day of XX/XX/2016, BBVA COMPASS sent a new card to the criminal and sent a new card to me. That makes two active cards numbers on one account. 

The account was closed immediately by BBVA COMPASS and a new one was created and I quickly created my own 'WALLET '. The {$3300.00} deposited in my new account within a few days. This was the end for me even though I was told my account would be closely watched on every transaction for several weeks. 

Fast forward to a few days ago. I started receiving account statements on the closed account over drafted {$3300.00} plus fees. This is when I made a visit to the branch located on XXXX Texas. It was at this location where I was informed the investigation was closed since they did not receive a police report. 

No one ever contacted me concerning a police report and I thought my part was over in this process. I have been to this bank several times since this happened. I have an online account, a 'WALLET ' application with my account, and my email is associated with this account yet there was no requests made of me in any of these superior formats to get information. 

The police report information : XXXX Officer XXXX badge XXXX PD XXXX This is a request that BBVA COMPASS complete this investigation, shore up their practices and procedures, and leave me alone. 
Sincerely, XXXX TX XXXX
Wells Fargo bank ruined my credit by reporting non payments to their alleged mortgage which was nothing more than fraud by an unlawful loan modification. Wells Fargo made the reports of non payment willfully full well knowing their false reporting and claims to enforce a mortgage contract which on its face was fraud and of which they broke on their own accord to give the appearance of a legitimate foreclosure action at the XXXX XXXX Supreme Court before XXXX XXXX who presided over the loan modification case in XX/XX/2013. Their was no investigation into the legitimacy of Wells Fargo to pursue such action and today this dirty criminal bank continues to make false reporting to the credit agencies and interfere in the Trust commerce by attempting to pay property tax through bulk checks and insurance on the Trust 's property. XXXX XXXX 's Office was specifically instructed not to accept unauthorized payments of property tax. Wells Fargo continues to perpetrate acts in an attempt establish ownership of the Trusts property with XXXX XXXX. Because of the false reporting of default on a mortgage that they created unlawfully I have not been able to get credit or only subprime loan offers which this agency well knows are designed to fail anyway just like all the unlawful loan modifications. There have been numerous complaints I have furnished with this agency about Wells Fargo and will continue to as long as Wells continues to perpetrate unlawful acts and fraud.
XXXX at API ( debt collection agency ), instead of calling me, called my family and friend leaving a message for me that if I did n't call them back today to discuss a claim, that legal action will be taken in XXXX XXXX. When I called them back, XXXX was in a meeting and I talked to another man who told me that if I did n't come up with the {$680.00} down payment ( 10 % of the bill ), in 24 hours, they were going to forward my claim to XXXX XXXX to serve me at home or at my work. I told him that I could not come up with this within the short amount of time and he wished me luck.
1 ) In XXXX XXXX I opened a mortgage with XXXX XXXX. The payments were {$2600.00} of which {$680.00} was for a real estate tax escrow. 
2 ) In early XXXX XXXX raised the mortgage payment to {$3300.00} with the escrow payment increasing to {$1400.00} ( an increase of 100 % for an annual total of {$16000.00} into escrow ). I immediately protested this escrow assessment. 
3 ) The tax history of the property is as follows : XXXX : {$10000.00} Paid in Full XXXX : {$10000.00} Payment History XXXX : {$8200.00} Payment History XXXX : {$8000.00} Payment History XXXX : {$7700.00} Payment History 3 ) Even in the highest years of the taxes ( XXXX ) the escrow amount demanded was 62 % higher than the taxes. This is well beyond the amount allowed in the mortgage escrow agreement. 
4 ) In XXXX XXXX XXXX XXXX stated in writing ( Please see EXHIBIT D ) that they had corrected the escrow amount, waived late charges and had not made any negative credit reports. 
5 ) At around the same time XXXX XXXX  transferred the servicing of the loan to Fifth Third Bank, whereupon I re-directed my automatic payments to Fifth third. 
6 ) Fifth Third did not accept the first XXXX payment from my account at XXXX stating that it did not match their records. It was at this time that I discovered that apparently XXXX XXXX had not done any of the things it said it did in EXHIBIT D before they transferred the servicing to Fifth Third. 
7 ) Since the transfer of the servicing to Fifth Third I have made all payments to Fifth Third including manually sending them the payment that they refused from the XXXX EFT. I further paid an amount that they said was needed to adjust my escrow account per their calculation of the escrow. Please see EXHIBIT F. 
8 ) Since the transfer of the servicing, Fifth Third has not applied a number of payments to the mortgage. Apparently, ( and I never received any explanation of this in writing ) they put my payments in an account called " unposted funds '' and when the amount in that account reached the XXXX XXXX  unadjusted payment, they then applied the funds to the mortgage. 
However, in one instance they actually returned funds in that account after deducting a payment. Here again, I promptly returned the funds that they returned to me. 
9 ) I have received monthly notices of default and foreclosure from Fifth Third and monthly statements showing amounts due as high as over {$13000.00} even though I have made all payments and they have money in the " unposted funds '' account. 
10 ) Throughout this period I have never received any kind of explanation of how Fifth third has put me in this position. Nor any explanation of exactly what they believe to be what they need from me. I even wrote to a senior officer ( see EXHIBIT I ) and received no response. 
11 ) To illustrate the absurdity of the situation, EXHIBIT J is a letter from Fifth Third stating that I must pay {$3400.00} in delinquency, which appears to be the amount of one of the unadjusted XXXX XXXX payments, plus a late fee ( supposedly waived ). Exactly one day prior to EXHIBIT J they sent a mortgage statement ( EXHIBIT K ) saying that I owe {$13000.00}.