WillisBack/dataset-financial-user-claim huggingface dataset:
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations  committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the  alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party to the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy
HelloI bought Visa Gift card ( Prepaid ) card for XXXX $ at XXXX store in XXXX, GA. It was issued by US Bank. I bought it around XXXX XXXX 2015. Around XXXX XXXX, I tried to use and XXXX said, I had only XXXX $ left on the card. When I checked online, I could see that someone had removed money from the card using XXXX XXXX. 

I immediately contacted them at XXXX and they closed my card. It was around XXXX XXXX 2015. They sent me form to fill out which said, I need to file police complain and get it notorized by bank. 

i did all that and faxed them form around XXXX XXXX 2015. Till today, I have not heard back from them. I have been calling them and they are saying that they are still investigating it. 

My XXXX $ are stuck right now for a month and I am not getting any good answer. Can you help? 

Thanks.
Good Afternoon, I have an overdraft line of credit with Santander Bank US. In the past year, I have been charged fees, always in the amount of {$50.00}, totaling about {$400.00}. When I called the bank to ask for an explanation, they claimed that the most recent fee was an annual fee and claimed to have no record of the previous fees ( which I've already paid ). 
I'm just trying to get a reasonable explanation. These fees can not be late fees, because they all exceed the amount that I owed each month on the account. 
Please help! 
Thank you. 
Sincerely, XXXX
I closed on a mortgage refinance with Paramount Equity ( PE ) in XX/XX/2016. As of XX/XX/2016, I still had not received any payment coupon books or information about how to access my mortgage account and information. I was told by PE that my loan was being transferred to another service company, and that I would be contacted by them by the next month ; one story was that the transfer was audited, which was the reason for the delay. In short, for each of the past three months, I have received the same story from PE : " It should be processed next month ( XXXX, then XXXX, then XXXX ). '' XXXX is here, and still not servicer on my loan. They appear to be incompatible to set up my loan servicing properly, and thus incompetent at their job.
XXXX is showing a collection of {$240.00} from XXXX XXXX that was reported XXXX XXXX, XXXX. This debt was satisfied with XXXX in XXXX and they are still showing it. Disputed from Equifax and they claimed that they deleted the collection last year but the lender was XXXX now its showing as XXXX XXXX. It seems like the debt was sold to another collection agency. This is hurting my chances to rent a condo and it needs to be resolved immediately. I am not finding any Telephone number for XXXX XXXX to expedite a resolution. Please help Thank you.
I have contacted XXXX and XXXX about this account that has already been paid in full since about a month after I moved. The debt collector said that they was going to remove it from my report and never did.
There has been an bankrupty on my account that keeps updating ive went to coweta court house in gotton paper work showing debt was discharged there was never a bankrupty that was taking place nor have i ever went to court for this case. I will like for this iteam to be removed i have all docm. if needed
Ouicken Loans company employee created another application on me when I closed with the same company on XX/XX/XXXX and then on XX/XX/XXXX anew package was mailed to my home on XX/XX/XXXX. If this employee had ran my information should came up in the data that I close. This is the problem, this employee ran a credit report and used my SS number with authorization. I know under the Fair credit reporting act, Security freeze, Privacy Act, this Identity fraud. I did not communicate with the banker to have the second application done. The second issue was my property taxes taxes for the city of XXXX being listed on the closing cost details sheet at closing and include during closing and was not not paid at the time of closing. I received a check for {$750.00} in the mail in my name as a refund check. Why didn't they send it to the tax office. The company put it back on me. I reported the issue to several people, one tried to verbally bully me and I report it and receive a call and they apologize for the young man actions. XXXX XXXX investigated my issue and returned her finding and apologize all the company mistakes. We stated communicating by email so I would have a record, before that we talk verbally on the phone. She tried to be helpful and add the taxes to payment. which are in the email she sent me. Once I stated the company owe me for violated my right to privacy, civil right, anti-bullying me by employee verbally, things changed after I asked for a settlement of {$150000.00}, because I stated that according to the Gramm-Leach_Bliley Act, means misusing someone SS number is a security breach for the company and the Privacy Act of XXXX. XXXX email changed, she state that the company doesn't owe anything because they did not do anything, but my question is why did she apologize for all the mistakes and why she appeared to be sock about the issues and took a week to investigate the my concern, I called he twice and she apologize for the employee verbally bulling me and for the mistakes. I also talked XXXX XXXX and XXXX XXXX by email about the tax issues.
On XX/XX/XXXX I sent NCB Management Services a Cease and Desist letter that was delivered and signed on XX/XX/XXXX.

On XX/XX/XXXX I sent NCB Management Services a copy of a complaint letter that I sent the Bureau of Financial Protection. The letter was delivered on XX/XX/XXXX.

NCB Management Services has not been in compliance and are in violation of the FCRA and FDCPA. Please see enclosed documentation
On XXXX XXXX, XX/XX/XXXX we received a discharge of our chapter XXXX Bankruptcy, which included XXXX accounts with XXXX XXXX. When applying for a mortgage prequalification, XXXX of the accounts show a BALANCE and LAST LATE of XXXX. Another shows a BALANCE of {$0.00} with a LAST LATE of XXXX. Credit Plus, Inc is the credit reporting agency used by my mortgage lender. On my XXXX report of XXXX/XXXX/XX/XX/XXXX these accounts have a status of " Discharged through Bankruptcy XXXX XXXX ''. I do not know why Credit Plus has this shown differently on their credit report.
I had XXXX on XX/XX/XXXX. After paying over {$2000.00} out of pocket for the different XXXX supplies, etc., I received a bill from the hospital for $ XXXX. I contact XXXX about the bill and found that XXXX denied the claim for 'lack of medical records ' on XX/XX/XXXX. An 'EOB ' was generated on XX/XX/XXXX. The same claim was adjusted for payment on XX/XX/XXXX. Another EOB was generated on XX/XX/XXXX. The same claim was adjusted on XX/XX/XXXX, but there was no change in payment, so no EOB was issued. The claim was again adjusted on XX/XX/XXXX, but again no change in payment so no EOB. The claim was adjusted again on XX/XX/XXXX which reduced the payment XXXX paid from {$2700.00} to {$1900.00}. Even though there was a change in payment, NO EOB was generated. This entire time, XXXX kept advising me to pay my copay of {$45.00}, which I promptly did. XXXX specifically told me not to pay the hospital any other amount. Because of this nightmare, the hospital sent my bill to a collections agency. Not once did XXXX contact me to advise of their mistakes when processing the claim. I only found out about this when I began receiving calls, up to XXXX times a day, from the collection agency. The hospital was tired of waiting for my insurance to straighten out their errors, so they sent the original bill from XX/XX/XXXX to collections. Now, my credit rating has been effected and I am constantly receiving calls and letters for a claim that has been adjusted numerous times. I do n't even know where to start. I have begun the process of filing executive complaints against the insurance company and the hospital for failing to process the adjusted claims. I have also submitted a verification of debt and request for all correspondence in writing letter to the collections agency. I have also initiated complaints through the Consumer Financial Protection Bureau, the Florida State Attorney General, and the local XXXX. This company is ripping off consumers and hoping that people get fed up with the complicated processes and just give up and pay an incorrect bill. Disgusting. I want XXXX to admit their error, contact the hospital to pull back the debt from the collections agency and correct the claim at the hospital so that I can receive a correct bill for my surgery, performed over a year ago, pay the bill and be done with this nightmare.
American Servicing Company, also known as Wells Fargo Back unlawfully preyed on me with my mortgage loan. ( predatory lending ) My credit score was over XXXX and they told me I was receiving the best rate possible. After the loan was completed I was told by several mortgage bankers that my interest rate was not commensurate with my credit score. It was much to high. I have since learned that ASC/Wells Fargo has been charged and plead guilty to predatory lending on minorities. I am filing a complaint with the CFPB. I also received a loan modification from them stating they could not lower my interest rate. Once again lying to me. I understand loan modification rates can start as low as 2 %. I am requesting the CFPB assist me in my petition to have ASC/Wells Fargo lower my rate because of the predatory lending they pulled on me. 
Respectfully, XXXX XXXX
on XX/XX/XXXX, I filled out a Smart Option Student Loan application with XXXX XXXX to see if I would be pre qualified for a loan to borrow up to 100 % of the school-certified cost of attendance. I did not complete the application seeing i decided not to apply for the loan. I have received countless automated emails from them since saying " my action was required to move forward. Log in to our Activity Center to review and accept the terms and conditions of the loan. Log in to our Activity Center to e-sign your application. '' ******onXX/XX/XXXX I got an email stating this : " Application ID : XXXX Dear XXXX XXXX  XXXX XXXX Thanks for choosing XXXX XXXX XXXX and for submitting your loan application. Please log into your account using the link below to view a letter from us. " I did not complete the application process therefore a soft inquiry should have been done rather than a hard one. I want this inquiry from XXXX XXXX removed from my credit report, please.
XX/XX/2018 I paid off my car loan. On XX/XX/XXXX, I created an account with XXXX XXXX to verify that it was showing paid in full. At that time I discovered that I had 3 accounts that I was unaware of on my credit report. Those accounts were : XXXX XXXX XXXX account # XXXX, XXXX XXXX # XXXX and Mobiloans # XXXX. Unfortunately, I havent checked on my credit in Years. At that time I contacted an Attorney via my XXXX XXXX to discuss the matter.

He instructed me to report this to the Federal Trade Commission which is Federal Law Enforcement, to request my credit reports via the credit bureaus and to file a complaint with the CFPB. I made the Identity theft report via FTC and the report # is XXXX. In addition, I received my XXXX report in the mail yesterday.

I am very confused as my credit report is showing that the above mentioned accounts were opened over a Year ago and in 2 of the cases it appears that payments were made at some point. I have never applied for a XXXX XXXX, or XXXX XXXX nor given anyone permission to apply for one on my behalf. I was an authorized user previously. I have never applied for a loan with Mobiloans. I have not had a need for a loan in that I make a very comfortable salary and have limited debt.
Carrington Mortgage Services LLC Loan No. # XXXX Phone No. # XXXX Ext : XXXX Fax : XXXX XXXX XXXX XXXX was my first and only lender until XXXX XXXX XXXX bought XXXX XXXX XXXX on or about XX/XX/XXXX. <P/>After XXXX XXXX XXXX bought XXXX XXXX XXXX their sales personnel campaigned hard on me to refinance for a lower monthly payment on my mortgage. <P/>I, XXXX XXXX XXXX didnt know any better so my wife and I refinanced with XXXX XXXX XXXX. I believe we were tricked into refinancing. <P/>After 5 long years of giving XXXX XXXX XXXX all the documents they requested for working out a Short Sale the Short Sale personal finally agreed to allow me to do a Short Sale. <P/>XXXX XXXX XXXX agreed to a payoff of {$200000.00} in which they would be paid in full. <P/>On or aboutXX/XX/XXXXI called XXXX XXXX XXXX and customer service answered and informed me that they now longer service me and they sold my loan to Carrington Mortgage Services LLC.
<P/>I called the XXXX XXXX XXXX customer service department and asked the representative why XXXX XXXX XXXX sold my loan for pennies on the dollar to Carrington Mortgage Services LLC and take a loss when they were going to be paid in full? <P/>The XXXX XXXX XXXX customer service representative told me that they have the right to sell my loan to anyone and anytime they want to. <P/>On XX/XX/XXXX I submitted a complaint with the CFPB No. # XXXX against XXXX XXXX XXXX and asked very hard questions about producing documents. <P/>XXXX XXXX XXXX response was that they gave everything to Carrington Mortgage Services LLC and I would have to contact them for any requested documents. <P/>I dont believe Carrington Mortgage Services LLC can produce the XXXX XXXX XXXX to XXXX XXXX XXXX documents Because XXXX XXXX XXXX, in my opinion never had them. <P/>In my opinion its as though XXXX XXXX XXXX never had any documents to give and XXXX XXXX XXXX covered their tracks by getting me to refinance. <P/>The question below is a very important one and I believe that 's why XXXX XXXX XXXX sold my loan to Carrington Mortgage Services LLC.
I have been a victim of identity fraud. I have never had any apartments in my name. I've recently been working to get everything cleared up on my credit, I have filed an FTC report, a police report, I submitted numerous documents that have my correct information on it noting where I lived during the time of the fraud, a driver 's license and a copy of my social security card. I have disputed the accounts numerous times with XXXX  and they will not help me at all. They keep saying I own the accounts when I do not own the accounts. The other bureaus have cleared my record and have been most helpful with getting this issue resolved, but XXXX does not care to help me. I've called multiple times and spoke with numerous representatives to no avail. I need these fraudulent accounts removed from my credit report, I can't afford a lawyer since I am a college student. I dont know how many times I have to dispute the accounts with XXXX. Please help I thought the ftc report would help prove my case, but XXXX doesn't care about that or my police report submitted. The accounts that have not been removed are XXXX XXXX XXXX for {$90.00} and XXXX XXXX XXXX for {$11000.00} and NCC business services for {$3600.00}.
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
This Account have been in my credit report more than 11 years is legal to have this in my credit report for this long please remove creditor as soon as possible thank you.
I froze my Transunion credit in 2014. Today I discovered that Transunion charged my credit card {$19.00}. When I called to find out why they said " do you remember opening an account and requesting a credit report in the last seven days? '' I said " no ''. They said " well someone opened an account with your SSN and requested a credit report ''. I said " how is this possible, my credit is frozen? Please verify that my credit is frozen! '' They responded that " yes your credit is frozen ''. At this point my brain is exploding. I ca n't even believe the conversation is real.
I received a notice of a law suit by a company called XXXX XXXX XXXX with the case name LVNV Funding .... 

I never had an account with LVNV, I don't owe this debt. The lawsuit says I owed a company called XXXX, I never had an account with XXXX either. 

Maybe this is for someone else, and they got me mixed up. 

I don't owe this debt. I want this lawsuit dropped and my name cleared.
Please delete all account which has nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX
I have several accounts, inquiries, addresses, and name aliases that are fraudulent and incorrect i have a police report with the officer information XXXX badge # XXXX report number XXXX along with id theft affidavit notarized and my social and driver license .... please review this info ...
I have filed a validation dispute with Transunion, XXXX and XXXX regarding Bankruptcies that are listed on my credit report. After filing a validation dispute requesting proof that this debt belonged to me, I received a letter in the mail stating that this debt was confirmed and is said to be my debt. I then contacted the Bankruptcy courts who then advised that they do NOT confirm any debts with the credit bureaus. I would like to know exactly who or how they verify debts for any individual, without proper documentations. I also requested a second validation and was told that I would need to provide additional proof to validate any information on my credit report. I would like this information removed from my credit report because the Bankruptcies were never verified and the credit bureaus are lying to the consumers.
XXXX We have tried to fix this issue with Nationstar Mortgage. They sent me a response with the wrong recorded paperwork from the State of California and XXXX XXXX XXXX. I have attached the correct paperwork to this file. We were told when the State of California and CFPB fixed the issue with the fraud that if we were to experience another hard-ship we could apply for another modification in the future. We have submitted a request and Nationstar Mortgage referred us to the new loan department as they could not do another modification.
Synchrony bank is reporting inaccurate and false information on my credit report through all  XXXX  reporting credit agencies almost a year after I filed chapter  XXXX  bankruptcy. While I was in Bankruptcy the fixed it but have now found a way to put late payments back on my report. The companies a re Amazon, Gap, QVC, Sams club and TJ Maxx.  This is against my fresh start initiative in for chapter  XXXX  Bankruptcy. I have advised them of this and it was removed but they have now added it back. On all my credit reports up until  XXXX  I have had  XXXX  late payments and now I have these late payments showing up and they are inaccurate and wrong and is a violation of  US Bankruptcy code. I  was never late and it was already   XXXX   enough to file chapter. This is the only thing that should be appearing on my report not any late payments. They can not decide almost a year later to report late payments. I have attached my credit report where no late payments reported
Equifax, as the victim of a XXXX 2017 cyber attack, lost roughly 143 million customers data to hackers. Names, birth days, address, ssns, and driver 's license numbers were access. Credit card numbers as well. Reports indicate that Equifax took over a month to respond to consumers, may stand to profit from the event by rollovers from free credit monitoring services, and user 's must forego their right to participate in a class action lawsuit to get said services. In response, I am filing this complaint and putting a fraud alert on my accounts with the other credit bureaus.
XXXX XXXX XXXX did not bill me correctly nor sent me my statement to my correct address.and by the time they fixed their error they posted my payment late.