WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2017 I filed a complaint with Capital One, where it was discovered that my own father stole my identity and acquired three credit cards. Two of these cards were with Capital One. Capital One removed all references to these debts on my credit reports, and I assumed that Capital One would turn over the identity theft issue over to the Federal Bureau of Investigation. Now I receive a letter from a law firm known as XXXX XXXX XXXX, XXXX. out of XXXX, Florida. The debt is not valid pertaining to me, and Capital One knows the facts, they removed the accounts from my credit reports, and it is their responsibility now to pursue charges against my own father. I demand a retraction of this collection attempt, and for Capital One to purge any reference to my name and social security number immediately. The Consumer Financial Protection Bureau needs to see just how easy it is for law firms operating as collection agencies can ruin a person 's creditworthiness so quickly. I demand the purging of my information from Capital One and XXXX XXXX XXXX, XXXX. immediately.
My husband passed away 18 months ago. I applied for hardship on the mortgage due to a drop in income ( it was approved by PNC ). My payment is due on the XXXX. I pay it on the XXXX, in person because that 's when Social Security comes in. I get call from their collectors on the XXXX, XXXX or XXXX saying I 'm late and that they will foreclose on me. It 's always paid by the XXXX and never in a default stage. I 'm XXXX and I think this is harassment. 
They even call on the XXXX after I made the payment on the XXXX. They do n't check!!
XX/XX/XXXX XXXX XXXX, XXXX XXXX Re : case # XXXX Dispute 30 day Late payment due to banking error Account # XXXX XXXX Billing Inquiries XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute a late payment billing error in the amount of {$120.00} on my XXXX account # XXXX. The amount is inaccurate because 1. I made my monthly payment of {$120.00} on XX/XX/XXXX via website to my credit card company ( XXXX ) 2. I had available funds of {$470.00} on XX/XX/XXXX in my bank account with ( XXXX Card account # XXXX ) to cover the payment with XXXX 3. My bank account ( XXXX Card Card ) processed the payment on XX/XX/XXXX which I still had available funds of $ {$430.00}, but my bank returned the payment in error. 
4. As a result I am now showing a 30 day late payment of {$120.00} with XXXX on my credit report ( XXXX Equifax/ XXXX ) due to the bank error with XXXX XXXX XXXX . 
5. I have disputed this bank error to my Credit Card Company ( XXXX ) and the 30 day late still remains on my credit report resulting in negative credit reporting. 
I am requesting that the 30 day late payment error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and accurate credit reporting with ( XXXX Equifax/ XXXX ). 
Enclosed are copies of XXXX payment conformation/ statements, and my bank XXXX transaction history supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely, XXXX Enclosures : XXXX statement XXXX payment conformation XXXX dispute letter XXXX XXXX XXXX transaction history Dispute letter with Equifax Dispute letter with XXXX Dispute letter with XXXX
NOT ABLE TO ACESS REFUNDS FROM FTC RULING AGAINST GOOGLE DUE TO FUNDS SENT TO CLOSED ACCOUNT. 
I have over {$700.00} in refunds from the FTCs ruling against google for unauthorized in app purchases. According to the ruling if the original funding source is not accessible or closed google is to send a check for the amount of the refunds. Google has failed to do this and sent the refunds to XXXX google play accounts that have been " permanently closed '' according to them, for over a year now. I have been emailing the Google play support team and the wallet support team trying to get a check issued to me for over a month now and keep being told that there working on it.. This is unacceptable
My loan was purchased from XXXX to Green Tree. Since then, Green Tree made a terrible error with my escrow account. They tried to charge me with over {$2000.00} of homeowner 's insurance in my escrow, when I only pay {$590.00}. They tried to raise my monthly payment from {$500.00} per month to over {$680.00} per month. I contacted Green Tree to inform them of their error, but they refused to listen to me. I physically had my insurance agent on the phone to explain to the mortgage company that they NEVER received any recent correspondence from the insurance company as the policy was not due for a few months. THe mortgage company said they would check into it, but it would take up to 10 days to correct. I finally received word that there was an error, but yet, I still received a bill for the {$680.00} per the mortgage payment. The account is still showing past due - when I mailed a check ( I have NEVER been late on any payments in 13 years ). They miscalculated my escrow, and still are not doing anything about the problem.
Today 's Date XX/XX/XXXX A couple of weeks ago I opened a savings account at a credit union.

The credit union asked me to temporarily un freeze my credit report so they could verify my identity and check for aliases.

I went to Experian 's website and completed the form for temporarily allowing access to may report.

Even though my online and phone inquiries confirm the unblocking of the account, the credit union is still being denied access. I am getting e-mail notices from XXXX/Experian saying they are blocking access.

When I have tried to call Experian, I am told there will be a 2 hour wait to talk with an agent. 

What can I do???
An original complaint was filed incorrectly including XXXX XXXX and Hillcrest Davidson and Associates on XX/XX/XXXX Case number XXXX with the Consumer Financial Protection Bureau. XXXX XXXX, based in : XXXX XXXX Corporate Headquarters.  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX somehow does not show up in any databases and is unable to be contacted by government agencies. This contract was canceled on XX/XX/XXXX and is documented by accompanying attachments ( 5 ). The purported ( erroneous ) debt was turned over to an outside agency - Hillcrest Davidson and Associates to collect. I received exactly one letter from them notifying me of this matter. I promptly placed a phone call and explained the situation to them. I was told that the matter would be purged from their records on XX/XX/XXXX by XXXX ( no other information would be given ) at XXXX XXXX EST. I have had an exemplary credit record up until this matter and have always paid my bills on time. Most recently having a credit score of XXXX until this wrecked my credit rating.
I disputed a judgement that was showing on my creditreport. XXXX deleted it from my report, XXXXmarked it satisfied. Experian said that it will remain when Idisputed it with them. When I tried to get more infofrom them they informed me that all they had to tellme was that they were n't removing it and that they weren'trequired to tell me anything else.
My wife and I believe we were denied an equity loan based on our age. Here is the story. 
We bought a house in XXXX Michigan in XXXX of 2013 that had been foreclosed on by the XXXX. We paid the appraisal price of {$69000.00} for the house and financed {$55000.00} with XXXX. We put over {$30000.00} into the house completely remolding kitchen and bath ; replacing all cast galvanized water pipes with XXXX ; upgrading electrical ; new double steel insulted garage door ; installed covered patio ; restored outside sprinkler system ; new hot water tank ; all rooms were painted and the hard wood floors through the house were professionally refinished. Our house is now XXXX of the nicest in our subdivision and with a lot size of XXXX acre has the biggest yard. Comparable houses in our neighborhood which there are XXXX listed XXXX for {$110000.00} and the other for {$110000.00} neither have updated bath or kitchen. All to say our house would clearly appraise and sell for well over {$120000.00}. 
We recently decide to get a home equity loan with 5/3 Bank. After XXXX or more weeks of just XXXX more document after another we were finally approved pending an appraisal. When we first met with 5/3 loan officer the first thing i ask was if the appraisal would be a walk through not just a drive by. We were assure XXXX that it would be a walk through so 5/3 could see all of the improvements we had made to the house. After calling several time the loan officer said the appraisal came in at XXXX therefor we could n't get an equity loan. The loan officer said yes it was a full appraisal. This was not true and i informed her that i was there when a guy came by and took some out side pictures. I ask him if he was coming in and he said no he was paid {$25.00} to take picture and that was all. 5/3 has refused to preform an appraisal even though they had promised to preform XXXX. We believe it is 5/3 way of discriminating based on age.
Our Mortage Company from day one have been very unpleasant to work with, we miss a payment and try to schedule two payments withdrawals from our bank account and they accepted one and then declined every payment thru direct debit from our account. I have copies of that. Then we try to see if there was any way they can help us to to avoid any more miss payments but they never reply or was sent any letter to us. Months have pass we already apply to see if we can received a loan to add to our loan amount and have a fresh start. But they already have accelerated for a foreclosure without giving us any options to avoid the foreclosure proceedings
Account #  XXXX  and  XXXX  I called t oday     XXXX 17   at  XXXX   XXXX  ad spoke with  XXXX   XXXX  about  XXXX  accounts that they have and get validation the debt.  XXXX  stated they have no physical documentation in their possession to provide me stating that I own this debt and am responsible for this debt. She asked me to call the original creditor which I did before calling CCS. They stated that they no longer own the debt and all the information was transferred to CCS.     CCS is violating my rights under the FCRA by their unwillingness to furnish information validating the debt that they are trying to collect on. I do intend on filing a lawsuit for violation of my rights if this information ca n't be validated to me in writing.
Over the course of the loan which has been o ver ten years  customer service only give information about deferment and forbearance. I found out about income base repayment plans from a coworker. I have been a   XXXX   XXXX  in  XXXX   XXXX   for over  tw  enty years and no one ever told me about the student loan forgiveness program until I learned about it two years ago from a  coworker.
There should be no late payments, as I set my loan to be deferred until after graduation. Also, it seems as though there are inaccuracies within the loan itself.
I am currently in a debt consolation program and this company has repeatedly called my home over ten times daily. There should be a limited amount of calls a collector is allowed to call anyone daily.
I am not able to get a copy of my credit report from TransUnion or file any kinds of disputes
Im receiving letter of a debt from portfolio recovery, i dont know who this people are they are saying that they are on behalf of XXXX XXXX XXXX and i have never had an account with this people and i have no idea how they always get my new information plus they always threating me saying that i will get into trouble if i dont pay and they asking me personal question like my social my date of birthday my address and what kind of car i drive. Im a little freak out. I dont own any money to this people and i want them remove from my credit report.
XXXX is sending me collection notices from an account that is not mine. The balance on this account is XXXX for a PayPal Credit Account that is not mine. Collection notices are coming to my house.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX from XX/XX/XXXX XXXX Card - Twice i didn't authorize neither from XX/XX/XXXX Explanation : I never consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiries via FCRA section 623. I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
I applied for a mortgage with Residential Home Funding in XXXX of XXXX. Despite my " stated income '' of {$XXXX} per YEAR they managed to underwrite my loan for {>= $1,000,000}. I can only assume because of an inflated appraisal of my home ( or accurate ) they saw me as a prime target and expected me to fail. I was working XXXX jobs in XXXX of XXXX as well as enduring brutal divorce and raising XXXX kids alone with no financial support and a other with XXXX XXXX. I found it more than surprising that in a mere 2 years my house value went from {$590.00} to $ XXXX. Having BEEN a realtor I was shocked .... but none the less if I did not get the loan I was prepared to sell. I maintained patents to Residential Home Funding through XXXX of XXXX from automated checking. Was NEVER late. I was served with foreclosure in XXXX from XXXX, not knowing this was now my servicer. the ONLY notification I got was a returned checkin XXXX telling me to stop sending my checks to them, but NOT telling me WHO to send them to- yet Residential continued cash them, as evidenced on the back endorsement. After innumerable attempts to straighten out the financial part with XXXX, to no avail, I finally thruway hands up and paid XXXX in excess of {$44000.00} to settle the forclosure, legal fees, appraisals, etc in XXXX of XXXX. The proper accounting was never corrected and I continued to pay XXXX until I book my back in XXXX. To my understanding XXXX as well as the XXXX ( XXXX ceased to exist as entities and sold off all of their " bad '' loans, or loans they KNEW would fail, to XXXX XXXX XXXX. I got stuck in that umbrella, yet again not knowing that I was paying the wrong company AGAIN. It seems to me this an extreme violation of pooling and servicing. If one company was to sell me to another I would certainly hope the former company would NOT be cashing and taking my money. Bottom line is that despite MULTIPLE fraud schemes, filing HAMP, HOPE, and every other loan modification/mediation form, XXXX XXXX XXXX tried to foreclose on me when I did not even know they were my servicer. I submitted a QWR and they responded by IMMEDIATELY filing " cover-up '' XXXX documents with " known rob-signers '' names, the notary of which is currently doing XXXX for white collar crime. XXXX XXXX XXXX withdrew the forclosure, mysteriously and I found out nearly a year later the I hand been bundled and sold to XXXX ( know for being more of a " collection agency '' than anything ). I am now once again facing forclosure by XXXX, which to my knowledge does no legally exist and the last XXXX document filed was XXXX. I do n't even know WHO owns my moan if its it legal of not. Residential was cited and fined for operating without proper licensing, XXXX funded hundreds of thousands of loans they expected to fail and sold them to XXXX XXXX XXXX whois turn did the exact same thing- just under code names or via Robo signed documents. I was part of the XXXX group which has remained " clouded '', at best, for YEARS. I am now on XXXX and am trying to fight this alone. The FDIC needs to step in and clear the smog for the people who are facing or are exiting homeless.
Despite many attempts to communicate with lender ( via phone and mail ) I'm under impression that I'm a victim of predatory loan practices. For example : Payments continuously applied towards suspense to avoid correct principal applications. 
I was requesting account audit - no response. 
Communication with lender are pointless they are not fulfilled. It seams like customer service is to aggravate and in no way to help. It discourage you to communicate. 
Creating escrows where Lender is breaching a mortgage note. 
Mislead ( requiring flood insurance costing in excess of XXXX which was not required as determined by FEMA ).
My loan has been with Ocwen for the past two years. My original loan amount was {$39000.00}. It has been 30 years and I owe {$54000.00}. My interest rate is 11.7 %. My loan has been bought out from four different companies. I am sure that it should have been paid by now. I think this was a predatory loan.
On my credit report, Cre dit Bureau of the South i s showing as a collection in the amount of {$70.00}. I sent a letter to them, which they received on  XXXX -2017, requesting validation of this account, bearing my signature, showing that I have some contractual obligation to pay them. They later responded to the dispute from a company called  XXXX   XXXX   XXXX . And only forwarding medical statements, and no signature was included. They also failed to mark my credit report with a disputed remark within thei r 30 allo wable days.
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Called me at work and identified their self as Ford Motor Credit first and wanted to collect a debt. The debt is for the amount owed after a lease ended on a XXXX XXXX that the dealership said they would pay at the end of the lease and said we owed nothing. Only at that time did they disclose they were XXXX XXXX XXXX on behalf of Ford. They constantly call and harass me at work and will not stop.
The merchant refuses to assist with a billing dispute issue. Their internal system has an inquiry number of XXXX and a chat ID was issued today of XXXX. A {$260.00} charge is on my account for an item that was returned. The item was returned to the merchant and American Express refuses to issue a credit. The merchant has said that they do not have any record of the return, but the merchant is clearly wrong as the item was returned to them. American Express refuses to issue a credit and has spent the last 3 months going back and forth with me and sending me generic responses to all correspondence.
The Condo that I manage received a Certificate of Title to unit XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL XXXX because the owner did n't pay maintenance dues. The unit stinks up the hallway and the a/c does n't work so mold will cover the unit soon. Not to mention the abundant amount of live roaches which will eventually make their way to neighboring units. Is there a way to speed up the bank foreclosure?
On XX/XX/2017 I spoke with a representative named XXXX in regards to my account with Advance America. I asked her if I could pay my XX/XX/XXXX payment early and she stated yes, I asked her if I would still have to make another payment on the XX/XX/XXXX and she said no. I proceeded to make the payment on XX/XX/XXXX in the amount of XXXX. I called in today on XX/XX/XXXX to see why my account had n't updated with my payment and the lady I spoke with said that I would still have to pay on XXXX XXXX because the payment I made on Monday did n't cover the amount due on the XX/XX/XXXX which was odd since I paid the amount due in the amount of XXXX.
XXXX thinks I'm deceased I'm am not me and my father had same names and merge his accounts onto my report I'm deceased with, XXXX, XXXX, XXXX XXXX multiples credit inquiries, XXXX, XXXX XXXX XXXXXXXX, I tried getting stuff off I get no answer, some stuff on here I was recovering from XXXX XXXX XXXX XXXX XXXX
Disputed debt on credit report asked for validation with my signature, and they have start legal action against me. So in turn i have started a class action against them. Debt buyer Midland Credit Management, Inc
I have been fighting with ocwen for 3 or more years to get a modification last year ocwen gave us a trial modification so on XX/XX/XXXX we paid them XXXX then on XX/XX/XXXX we paid them XXXX and again on XXXX of XXXX before XX/XX/XXXX we start getting letters that we did n't pay so I call them and the person I talk to tells me I have to talk to my relationship manager so I make an appointment no one calls this has been going on for a year now I have a sale date on my house and I finally get some one to talk to me a week before the sale date they claim they never got to payments so I send them the bank statements they say they will investigate it well now my sale date is 3 days away and I log on to there Web site and on XXXX/XXXX/16 they say I do n't qualify for the modification so how is it that I hold up my end of the deal and they say I do n't qualify?? They are a rip off so If I want to keep the home I have to file bankruptcy or just walk away from the home what are people that ca n't afford an attorney supposed to do
On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX- XXXX 3. XXXX XXXXXXXX XXXX- XXXX 4. XXXX XXXXXXXX XXXX- XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.
Zenco collects contacted me on XXXX XXXX XXXX saying I owed a credit card debt for XXXX commercial credit. I have never heard of this bank or never hada commercial account, after telling them this I got tthreatened with a lien taking out on my truck and my drivers license to be taken. They said I had until the XXXX of XXXX and that after it was paid I would never hear from this loan again. They knew my last XXXX of my social number and that I had a XXXX truck at XXXX that they would put a lien on.I went to my bank ncsecu in burnsville nc to get the money transfered in my account XXXX. My bank did some research and could not find any such debt, they sent for a XXXX credit report for me still showed no such debt. My bank manager called zenco collects and went to voice mail she left message no return call. My bank took my money out of my account because zenco had my debit card number, I was informed by ncsecu this had to be a scam, so on XXXX XXXX I started receiving threatening phone calls and so did my bank manager about fraudulent charges to be placed on us. Said the bank had no buisness or authority to pull my credit to check and tell me not to pay. And said the reason they did not see this on my credit report was because I ask them not to put it on there which never happened. I have disabled my debit card per my bank. They never did send me any proff of the debt as myself and bank ask for. If I owe this debtbi was readyband willing to pay, just want the threatening cslls to stop. The first name of so called lasyer was XXXX XXXX. The last just said XXXX XXXX to myself and bank. Phone number is for zenco collects is XXXX.