WillisBack/dataset-financial-user-claim huggingface dataset:
I have repeatedly requested proof of validity of XXXX alleged debts. Equifax has listed both of the accounts as disputed by consumer for over 30 days. XXXX has not responded to repeated attempts at communication both by myself and CFPB. XXXX XXXX XXXX XXXX XXXX have not provided validity only a blank form page provided to CPPB with first complaint submitted.
Ocwen Loan Servicing LLC is dual tracking while my HAMP application is under review. It has sent me a letter threatening foreclosure.
I have been a customer of XXXX XXXX for over 2 years, never had any 30/60/90 day lates and even pay above the monthly bill to them on time each month. In XX/XX/XXXX I  went out of the country and my credit cards and personal information was lost. During the time of losing my information my bill was due to XXXX XXXX but I had no way of paying it bc the bank account that pays that bill was closed and I had to wait until I returned to open a new one. I went online today to pay my bill and saw that they reduced my limit from {$7000.00} to {$2100.00}, which hurt my credit score tremendously. There was no communication whatsoever. This is a horrible way to treat a customer that is loyal and pays on time.
I pulled my credit profiles and noticed 2 credit inquiries ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX XXXX XXXX. I was not familiar with the bank or the noted inquiries so I attempted to contact the company to obtain information about the inquiries. I sent a letter via certified mail to the address indicated on my credit profile. The letter was returned undeliverable and noted that the address didn't exist. This is the same address reported by the company on my credit profile. The law requires that credit reporting agencies report complete and accurate information. These 2 credit inquiries can not not be verified per the undeliverable address referenced on my credit profile.
I applied for a credit card through DESERT SCHOOL XXXX XXXX They then transferred me to their third party ELAN FINANCIAL SERVICES. While discussing the product I applied for I realized it was not what I intended to pursue. At this point I requested to be transferred to someone who could help me withdraw my application and that is when they started to become really shady about the process. I spoke to a customer service rep named XXXX ID # XXXX and he transferred me to somewhere for a 30 minute wait and at the end of the wait they hung up on me without me being able to address my issue. I called back and was connected to a customer service rep who 's name was XXXX. I asked her for her ID # and she told me that she did not know it. So I asked her to get It for me. She placed me on hold for 10 minutes and came back with her ID # XXXX and told me she would transfer me to the correct place at this time I waited another 20 minutes on the phone and they hung up on me. On my third call back I spoke to a customer service rep named XXXX. When I requested his ID # he told me that his was not allowed to give me that information at all and placed me on hold. Now a manager named XXXX ID # XXXX heard what I wanted to do about withdrawing my application for credit and he was able to transfer me to the underwriting department. He got me on the line with someone named XXXX. I asked XXXX for his ID # and he told me that he did not have one but had a ID pin or something which was : XXXX I requested that they withdraw my application as he had confirmed that the card had not been issued yet. He told me that they could not cancel it until it had been issued. I asked to speak with his manager and he hung up on me. Upon every step in this ridiculous rabbit hole of a company I was asked to provide my social security number. As I was trying to resolve an issue I had no problem supplying it however these customer service reps can not provide me with their ID # .. This leads me to believe not only are they giving me the run around so that they can process the card and get an origination fee but are also being very carefree with my personal data. The professionalism and service of ELAN FINANCIAL SERVICES is nothing but predatory lending.
when Macys changed their billing info to a different bank, they changed m account numbers, moved purchases bought on Macys Am Ex with a 16 % APR to Macys Store with a 25 % APR without telling me. They also shut me out of my account on line and as such after 8 months of phone calls could not get them to send paper statements. I paid each month by phone w/ no idea of what was in the billing. I was unable to return items in this period as they had changed the account numbers the billing and original receipts did not match, Many calls to customer svc then many emails to CEO XXXX XXXX, a XXXX called and got me on the web site and arranged for me to return the items had been unreturnable for more than 10 months. But XXXX went on vacation and after returning items ( with much hassle ) we demanded interest adjustments. XXXX denied claiming the interest charged paid on items never worn with tags pristine was rent for the item - ie one return had cost {$55.00} in XXXX and by the return time interest had accrued on it for an addition of {$250.00}. That 's just one of the items returned. We debated with XXXX who then accused my mother and self of having " taken '' stolen the items we were returning. We have the original receipts - and they Macys Am ex number charged on does not match the new account number Macys gave us to increase the interest 9 %! Even sending proof in email they refuse to deal with the real issues - Changing account numbers! Moving the XXXX to store account to increase interest from 16.9 to 25.8 % which elicited Macys XXXX of dollars in interest, Calling us thieves and slandering us, failure to credit interest adjustments, and when we placed the account inn dispute continue to charge interest.
I went into the Bank of America branch, located in the XXXX zip code off of XXXX in XXXX, Ca. I was informed that the bank was unable to cash a check that is drawn off of their system because they simply could not swipe my card. I let her know that my card was bent and it would not read. I was then turned away by the teller and the manager saying that they are unable to cash my check for no reason other than it would not scan.
I 've contacted equifax and XXXX and XXXX on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts
I HAVE A CREDIT CARD WITH XXXX XXXX. ACTUALY XXXX CARDS. THEY REPORTED ME LATE IN XXXX AND PREVIOUS MONTHS WHICH I WAS NOT LATE. MY XXXX XXXX DROPPED SIGNIFICANTLY AND I 'M TRYING TO FIX MY CREDIT REPORTS.
We were paying on a mortgage loan and had no idea that the note and mortgage was canceled. The date and time in question was XX/XX/XXXX. We then received a notice around XX/XX/XXXX that stated Wells Fargo will be servicing the note. But during that time around XX/XX/XXXX XXXX XXXX XXXX filed in the clerks office an Affidavit and notarized statement stating they were last holders of note and mortgage and was canceling The note and mortgage. 
The major problem is Wells Fargo continued to service this note and mortgage from XX/XX/XXXX to the present. 
I am now under the impression that Wells Fargo have been defrauding us, because they have been receiving payments from us and servicing this loan from XX/XX/XXXX to the present XX/XX/XXXX while this note and mortgage have been officially canceled on XX/XX/XXXX.
I found out this servicer NATIONSTART/MR COOPER doesn't have the legal standing to service the Deed of Trust Account, I said this because it occurred an illegal transaction between XXXX   and Nationstar around XX/XX/XXXX Its my understanding XXXX  and Nationstar in the capacity of Servicer cant do a Sale/Transfer on the account without the Approval of the investor XXXX XXXX. In the past I opened an inquire against both of them and now reviewing the principal amount balance it differs from the Amount originally I got it this deed of trust. Further more Nationstart used formal documentation to attest an untrue fact on the origin of the Loan as it shows in the Tax form " it shows XX/XX/XXXX '' which is not the true at all. It was several years before XX/XX/XXXX Also in the last monthly statement I received in the 2nd page it shows " Lender Expenses '' when They are not. 
I don't know where the money I paid its going They haven t showed me in what account of the Investor its going, also I consulted with the Investor XXXX XXXX for the Servicing Rights to Nationstar/ Mr. Cooper They said they don't have it, Then for I believe Nationstar has initiated an account based with my name to enrich themselves without following the Original Note I signed. Also its my understanding while an amount is been in dispute the creditor/debt collector shouldn't be asses any late payment other ways it should be in violations of my consumer rights under the FDCPA.
I previously filed a complaint regarding Citi 's handling of my request for modification of my Home Equity Line of Credit ( HELOC ), Case # XXXX. The problem now is that I can not get CitiMortgage to send me copies of the monthly statements for the HELOC payments. The last statement I received was for the XX/XX/XXXX XXXX XXXX XXXX billing period. What is odd is that every other piece of mail that comes from Citi ( notices and letters from CitiMortgage regarding the HELOC - most recently, Citi 's response to my CFPB complaint - even statements from Citibank regarding inactive bank accounts ) arrives at my residence, so they clearly have the correct address. They just don't send the statements, which makes it even more difficult to stay current on payments. ( This was a recurring problem last year - I am still missing 3 out of 12 statements for XXXX - and I complained numerous times ). I spoke to a customer service person most recently on XX/XX/XXXX, who promised to email me the most recent statements, for XXXX, and to work on getting me the missing copies from XXXX. I have received nothing. I sent the attached email to XXXX XXXX, the person who contacted me regarding the earlier complaint, in the hopes she could obtain at least the XXXX statements so I could make a payment. I have not received a response. This will, of course, sound completely paranoid, but my dealings with Citi have been such that I have no trouble believing that the statements are deliberately not sent so as to accelerate the process by which we will lose our home.
On XXXX XXXX, 2017, I noticed XXXX unauthorized charges on my checking account as follows : {$50.00} at XXXX {$110.00} at XXXX XXXX {$110.00} at XXXX Shoes I did not recognize any of these charges and immediately contacted my bank and requested my card to be blocked and replaced. My bank indicated they would investigate the charges. 

At some point between XX/XX/XXXX-XX/XX/XXXX the charge of {$110.00} disappeared ( or " fell off '' ). 

At my request, my bank issued a provisional credit of {$160.00} to cover the {$50.00} XXXX charge and ( erroneously ), the {$110.00} XXXX XXXX charge. At the time, I did not notice that they credited me for the charge that had fallen off ( {$110.00} ), rather than the one that stayed ( {$110.00} ). 

I received a reply from my bank this morning stating that they had concluded in their investigation that they determined the XXXX charge was valid and the {$50.00} provisional credit would be reversed. They also stated that the XXXX XXXX charge of {$110.00} had fallen off, so that credit would also be reversed. There was no mention of the {$110.00} charge that remains on my account. I do not know if this charge was investigated or not. 

My bank is XXXX XXXX ( XXXX ) XXXX www.simple.com The length of time this entire investigation took as well as the mistakes made by simple are very concerning and could be costly to me if not resolved.
Select Portfolio Servicing, Inc. ( SPS ) has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State XXXX XXXX XXXX Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX 's estate, I am requiring the claimant to present proof by affidavit.
On XXXX XXXX I applied for a Merrill Lynch Visa Signature card from Bank of America. They pulled my credit twice on XXXX XXXX resulting in two credit inquiries. I only authorized one inquiry for the one account. XXXX XXXX needs a letter from Bank of America stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account.
XXXX report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.
I have my credit card through Suntrust Bank. My card was stolen and used on XX/XX/XXXX, along with a credit card I hold for my mother for emergencies. The fraudulent user charged {$11000.00} on my card in 4 separate transactions. Three {$3000.00} transactions and one {$2000.00} transaction at a XXXX in XXXX, NC where I was visiting family at the time. The charges on my moms card totaled {$8000.00} at the same location, but hers have been totally resolved.When I realized my cards were indeed lost and stolen on XX/XX/XXXX, I immediately cancelled my card and filed a fraud complaint as did my mom. My bank recently has said that they denied my claim and found me responsible because I participated in or benefited from three transactions. They refused to provided me with any evidence or the full investigative report to prove themselves. I am at a total loss. My credit history does not reflect this kind of spending and besides the fact that these charges were clearly FRAUD, no one from my bank notified me or called me to verify that these unusually high amounts were legitimate at the time the transactions happened. This is unfair and the stress of all of this has greatly affected me. I have since filed a police report and will hopefully be speaking to my case manager soon. I never thought I would have to prove that I am not a thief. Absolutely ridiculous.
I am currently behind in my payments to Harley Davidson motor corporation. They call my phone 6-8 times a day and will not stop even after I have told them I am trying to get the money. This is starting to borderline the attorney point. If this continues I will seek an attorney and sue for damages and fees.
I wrote to XXXX  and XXXX Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX  with a balance of XXXX. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of (2) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
They are contacting my number looking for another individual. I have told them that I have had this number for 12 years and do not know this individual. The number calling me is XXXX. I asked for a copy of their do not call policy and was told that they could not give me that information. When I asked, they said they were using an autodialer and that the company 's name was Transworld System , Inc.
I tried freezing my credit on XXXX/17 at XXXX, XXXX, and Experian and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!
I have attached a report from lexisnexis what you will see, Also what I will prove are two facts 1. they have my address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I have attached a copy of my licence showing my correct address XXXX XXXX XXXX XXXX XXXX NY. Moreover I have never resided at XXXX XXXX XXXX XXXX XXXX as listed on their report. 2. Also take a look at their report it has a licence listed as NJ. I have a New York licence. I have attached a copy of my license as said proof. As you can see with their report attached they have incorrect also misleading information they have been providing insurance companies. How is this legal they are a fraud. As a result of lexisnexis false reporting I have suffered higher insurance rates. This has to stop immediately. I have enclosed the facts please review have them corrected immediately.
I received a short period service from XXXX XXXX in XX/XX/XXXX. I closed the contract and XXXX charged me a fee. XXXX tried to collect this ( {$190.00} ) and I did not pay it. For XXXX years this account has been sold to different Bill Collector Companies. Every XXXX years I have different company telling me that they trying to collect this money on behalf of XXXX. Now, the company that has this account is Diversified Consulting ( XXXX : XXXX ). I now is the obligation of creditor to collect debts. However, is there a statue of limitation for creditors to report this debt to Credit Bureau? Every time they sell it to another company, it shows as new debt. For example, I was told by the company that this debt is from the year XX/XX/XXXX. What should I do?
I financed my XXXX vehicle through PNC Bank XX/XX/2015. It was a new vehicle and i obtained a 2.24 % simple interest rate on the car. Since the loan term was 60 months or more I have been making my regular loan payments as well as additional payments that I have informed Bank personnel were principal only payments. Instead of posting the payments as principal the Bank has been posting them as regular payments and deducting interest from them. Hence the interest being charged on the outstanding is greater than, if the payments were posted correctly. I have contacted the Bank on several occasions. Initially I was told that their system could not account for principal only payments. It is my position their system issues are not a consumer responsibility. I want my payment to be posted as requested.
I do not have a signed contract nor any contract with AMSHER COLLECTION SERVICES. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with AMSHER COLLECTION SERVICES. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
I was contacted by williams, rush &amp; associates today. Today was the first day I was informed of a debt from   XXXX   XXXX   XXXX   representative of  XXXX   XXXX   XXXX   I told them this was a mistake and I have been trying to contact  XXXX   XXXX  to fix the problem but they are not returning my phone calls. I told  Williams , Rush &amp; associates t hat I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unles s I payer % 50 of what I owed on the phone today. This is the first I ever  heard of this debt, including from  XXXX   XXXX . This debt collector is being very unresonable, and I would imagine this can not be legal.
Equifax has officially leaked my personal information to hackers and did not take the proper steps to ensure my personal and financial information was secure.
TO : Bureau XXXX Consumer Finance ProtectionMy XXXX year old mother was a victim of identity theft in XXXX of this year. Counterfeit checks were created using her banking information, and XXXX checks totaling {$1100.00} were used at Walmarts in the XXXX area. Upon receiving her statement for XXXX, we notified the bank, who regained the money, closed that account to prevent further fraud, and filed a police report. 
TRS Recovery Services, hired by XXXX, has begun to hound her about paying for these checks. Over the weekend, she received a letter from them with a " Demand '' XXXX their word XXXX to pay their bill and a threat that a collection agent would be assigned to follow up if she did not. 
I have filled out a TRS dispute claim for all money owed and sent them a copy of the police report ( # XXXX # XXXX ) and a business card of a bank employee to contact, but TRS continues to call her XXXX or XXXX times a day, in spite of the fact that they have been told in no uncertain terms to leave her alone XXXX. 
I have also sent copies of all dispute forms and information to XXXX legal, as well as XXXX XXXX Department. The harassing calls continue to come in, and I am concerned about the emotional and possible physical effects the stress of worrying about this issue may cause my mother. 
Please contact me and let me know what my next steps need to be for you to investigate this issue. 

re : TRS Notifications XXXX XXXX XXXX
I spoke with a Supervisor by the name of XXXX at TransUnion on XX/XX/XXXX at XXXX XXXX. I was informed by him that I could not dispute inquires by phone or online and was not able to dispute any inquires over 30 days old. <P/>I am a victim of fraud and have sent TransUnion my police report backing up my claim twice within 2 months and last year XXXX when I discovered fraudulent activity that continues. I requested a link where I could verify TransUnion inquiry dispute policy but was told I could not have that information by XXXX  XXXX at TransUnion. <P/>I have had a fraud alert placed on my file since XX/XX/XXXX and I am still not being contacted prior to information being ran.