WillisBack/dataset-financial-user-claim huggingface dataset:
I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, XXXX  and Experian ). All the 4 collection accounts where deleted by XX/XX/ but XXXX  XXXX  and Experian continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on XX/XX/ and i did not get any reply from them ( XXXX XXXX and Experian ) and i sent a second follow up letter on the XX/XX/XXXXand still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed XXXX XXXX XXXX, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.
Received an updated credit report removing prior error however Equifax changed my address to one that does not even exist. I was lucky to get the report. Now Equifax will distribute this invalid address and it will cause me major headaches. This was done on purpose by Equifax to damage and harm me.
These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had XXXX insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the XXXX and on their constant harassing and threatening phone calls, to no avail. I am now a XXXX XXXX veteran living off of XXXX and declared " unemployable '' due to my injuiries substained while on active duty. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX of the XXXX. They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX from being injuired XXXX and this does not help my XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.
Using Paypal, I was in the process of transferring funds between myself and two other customers to purchase bulk inventory of computer parts XXXX XXXX 2016. I have the same Paypal account for over 2 years and have done the same process in the past. This time Paypal decides to " trap '' the funds into the the Paypal account. Currently Paypal is holding {$2400.00} that is not theirs, that no is looking for except me. Their internal reference number for this fiasco is XXXX.
The creditor has re-aged this account on XXXX showing payments in XX/XX/XXXX yet other bureaus show debt given to a collection agency, XXXX ( opened in XX/XX/XXXX ). How is that possible? At one point, status of the student loan account was showing as open on XXXX yet duplicate reporting by collection agency for same debt ( please see attached ). Reported DoFDs are different across all the credit bureaus and supposed payment history and original amount owed keeps changing. Series of violations and inconsistencies occurring. Please delete this account and get corresponding collection removed immediately.
Based on TransUnion File Number XXXX ; dated issued XX/XX/2017 the  following information is completely incorrect or erroneous : On the top left side of each page where it says " Consumer Credit Report for : XXXX XXXX XXXX '' is incorrect. I have been trying for months to have this corrected for months since my real name has NO middle initial. I repeatedly state that my official name is XXXX XXXX but TransUnion refuses to correct this. All TransUnion has to do is look at my home mortgages and these documents will plainly show my correct name as XXXX XXXX. This harms every time a potential employer, creditor or bank looks at my credit report. TransUnion is forcing me to be someone that may not even exist hurting my credibility and reputation. I would like CFPB to intercede in this case because this name that is not mine appears on every single page of my 10-page report. <P/>Further, TransUnion refuses to remove an unauthorized SECURITY ALERT on page 10 of 10 of my credit report. This security alert was initiated by mistake by XXXX. Both XXXX and XXXX took this off but TranUnion refused because they said it originated from XXXX XXXX which is untrue. Again I would like CFPB to intercede in this matter to correct it,,, it again needlessly harms me with my student loans, etc.
Nationstar bought my mortgage from XXXX XXXX XXXX and are refusing to honor my original contract with XXXX XXXX XXXX. My XXXX XXXX XXXX contract had me paying 1/2 my payment every two weeks .. this resulted in one full extra payment every year ( good ). However Nationstar says they are forbidden by a contract with XXXX XXXX from honoring that portion of my original contract. .. They have contracted with XXXX XXXX to process payments for them in that manor ( of which they charge an additional XXXX a year to do ) ... .. ... I am still paying my payments every two weeks ( to honor my contractoral agreement ) .. but Nationstar is refusing to apply the full amount I pay to the acct. They are putting it into a SUSPENSE ACCT and only taking out what they say is my monthly payment ... which is resulting in them not applying the extra to the principle which is resulting them in charging me extra interest ... I have also contacted the Attorney General and am hoping that they criminally charge Nationstar as well for Embezzlement.
I was notified of fraudulent charges on my HSBC credit card via text message on the night of XX/XX/18. This notification was due to the charges exceeding my credit limit of {$5500.00} for the card. I immediately declared these charges as fraud via text message response to freeze my credit card. After reviewing my credit card statement online, it showed 12 fraudulent charges from XX/XX/18-XX/XX/18, including a {$4700.00} charge at a furniture store. These transactions totaled to {$5200.00} worth of fraudulent charges added to my balance. I subsequently called the HSBC 's fraud hotline, but was unable to get in contact with a customer support representative. I later received a voicemail from the a representative from HSBC 's fraud team on XX/XX/18. But when I attempted to reach that number, I was still unable to get in touch with a representative to help me with the issue. On XX/XX/18, HSBC charged the outstanding balance of the credit card, which includes all the fraudulent transactions charges, directly from my XXXX 's checking account without notice. I continued to contact HSBC fraud support multiple times, and was finally able to reach a customer representative to file a fraud claim. After receiving the fraud claim application by mail on XX/XX/18, I received a fraud claim denial on XX/XX/18 before I was even able to submit the fraud claim to HSBC. Following this, I filed a police report on XX/XX/18 for grand larceny, and sent both the fraud claims and police report to HSBC 's fraud investigation team after I received the physical police report on XX/XX/18. Since then, I have routinely followed-up with my case investigator from HSBC, and he is unable to provide any updates to their investigation, or resolution for my charges. On XX/XX/18, I received a check from HSBC for  {$240.00}, which still leaves {$4900.00} of the {$5200.00} to be refund to me. On XX/XX/18, I contacted the police station to follow-up on the status of the police investigation, and I was told that the case had been closed because they were unable to find security footage from the furniture store, and tracking of the shipment address led to a fake address.
1. WELLS FARGO COMPLAINT. 
While banking with Wells Fargo bank on XX/XX/XXXX. I ran into the trouble with finding employment. As member, I had choice to pay my bills automatically. Going through the struggles, I asked wells Fargo bank to cancel the incoming automated payments bills, instead they informed me that this was not possible. They informed me that this was solely on system. By the end of all this, I had {$950.00} in fees with bank which I paid all of it off to the bank. Bank having little satisfaction, it reported me along with my social security to all its associates and many other financial industries as risk customer. I soon realized that since my name can be found into Early Warning System which completely sabotage my life and shaded my reputation even after I finished paying off the debt that I owed. I would like your office to have Wells Fargo bank do its duties by taking off my name off XXXX XXXX XXXX as risk customer and stop ruining my reputation. 







1. XXXX COMPLAINT. 
While banking XXXX bank on XX/XX/XXXX. I fell for scam employment which I happened to receive job offer working from home. This offer came with funds to purchase computer equipment and pre-paid life insurance. Being hesitant customer, I informed XXXX customer services that I did not completely trust this new employment since I did not know if the fund were really. I received cashiers check in mail which I went ahead and deposit into my account with XXXX. I waited for while for all the funds to be available and XXXX customer services insured me that there was no problem with check. So, I started purchasing equipment and other things needed for the job. Within 72 hours, XXXX bank fraud department told me that check was fake, and I was responsible for it. I was treated as perpetrator instead of victim. I reported incident to the FBI and I informed the bank that I was not nearly perpetrator and nor responsible. I informed the bank that the case was reported to the proper authority. I maintained my innocence while informing the bank that it failed to do its duty. The authority informed me to stop talking to this employer. XXXX bank reported me to XXXX XXXX XXXX and other financial industries as risk customer and shaded my reputation. I would like your office to investigate this matter and advise XXXX bank to remove my social security off XXXX XXXX XXXX and stopped ruining my reputation.
On XX/XX/XXXX BANK OF AMERICA made attempts to collect on a bankruptcy discharge zombie debt. On XX/XX/XXXX the debt was discharged and BANK OF AMERICA was notified by the the BANKRUPTCY Clerk and i of the discharge. Yet BANK OF AMERICA continues to infringe on my rights and entitlements afforded to me by the BANKRUPTCY discharge. My property is exempt under the BANKRUPTCY exemption rules and Homestead act.
For my XXXX payment on my credit card from Fifth Third Bank, I made an online payment via direct transfer from my bank account on XXXX. No record of this payment was generated, either on their online service, XXXX, or via E-mail. On XXXX I was charged interest on the balance of my account. In response I made a second payment, and no record was generated. However XXXX payments were then processed, overdrawing my bank account. 

I contacted customer support on XXXX once the error was realized. My request was for the initial payment, in the amount of {$1000.00} to be refunded to me. I was told that the only option for refund was via check, which would take 2-4 business weeks to arrive by mail. I agreed to this. After three weeks, I contacted customer service again to ask for the status of my refund, and was told that the check had been mailed, but due to the holidays may take longer than normal to arrive. I was advised to call back if I had not received the check by the next Monday. 
The check did not arrive, and when I called back I was informed that it in fact had not been sent. I requested at that time that rather than mail a check, that the funds simply be re-applied to the balance of my credit card. The representative with whom I was speaking said that she would forward my request to the escalation team managing my account and have her supervisor call me when available. I did not receive a call. 
Two weeks later, the funds had not been returned to my account, and I called again. The representative with whom I spoke on that day indicated that there was no record that I had asked for the refund to be re-applied to my account rather than mailed, and the escalation team was still working on mailing the check. I again requested electronic application of the funds to my credit card. I was told that the escalation team would call me back, and they did not. 
On follow up later the same week, XXXX, the representative with whom I spoke informed me that monetary funds could not be deposited in my account until the XXXX billing cycle, and that the escalation team would call me the same day, but were unavailable at that time. I did not receive a call. 
I have tried again to contact the escalation team or a supervisor today, but was informed that they are too busy to speak with me. 

At this time, I consider Fifth Third Bank to have stolen {$1000.00} from me. I have been lied to repeated regarding potential options for resolution of the theft, and regarding follow up attempts on the part of representatives from their company. I have no faith that I will see this money again.
Details of the problems I had with the merchant and Barclays are documented in the attached letter but in summary I do not have the painting and continued to contact Barclays and attempted to contact the merchant but he kept hanging up on me or not returning my call when I left a message or texted. XXXX XXXX, XXXX I purchased a painting presented on TV by XXXX XXXX using my Barclay Credit Card, however I received a fraud alert through my XXXX account, not my Barclay Card. I then researched and could not find this company online so I called the merchant back and cancelled the purchase. I could also see the merchant continue to try to charge my card so I called Barclays XXXXraud hotline and reported the situation and told customer service not to approve this merchants charge on my card because I suspected fraud. Barclays customer service rep assured me that they would not let the merchant charge my card. On XXXX XXXX I checked my XXXX account and noticed that {$1900.00} had been charged to my account again. I immediately called Barclays to complain. Barclays reversed the charge and reached out to the merchant. Early XXXX I noticed the charge again hit my account and at that time Barclays informed my that my complaint was not considered fraud as I had provided the merchant my card #. Since XXXX I have continued to complain with no progress and in XXXX XXXX received a letter from Barclays informing me they will do nothing to help me or reverse the charge. Barclays led me to believe they would protect me, however I learned in XXXX that their system does not have the ability to block a charge once the # is provided.I told Barclays from the beginning Barclays should have advised me to cancel my card and have Barclays reissue a new card and doing so would have protected me. At no time did I receive any advise. I do not have the painting and Barclays has charged my card {$1900.00}. The merchant will not communicate with me an Barclays has shut the case..
I already reached out to Experian and to XXXX XXXX and XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
I recently refinanced to leave Mr Cooper/Nationstar. Mr Cooper/ Nationstar received my payoff on XX/XX/2018. They returned the payoff to the title company. XXXX from Mr Cooper/Nationstar told my new bank and title company that money from my escrow could be used to complete the payoff. The payoff was sent back and a late payment was added to my credit report. 

This is a false report on their behalf, they received my payoff in time, and did not attempt to call me, send me an email, or any other correspondence to let me know the payment was to be returned. 

This was not the first time this had happened. Making regular monthly payments they would lose the payment in some sort of suspension account and charge fees. 

To try to have my issues resolved, I would call the customer service line. The representatives answering the phone seemed lost/confused and never seemed to have records of previous communication. I would then be placed on long holds to wait for an escalation specialist, who would not call back after promising to follow up with status updates. This happened many times. 

Finally I get away from the company and they misreport on my credit file
In reviewing my monthly credit report, I note an amount of {$95.00} shown as seriously delinquent and reported to both the credit reporting bureaus and referred for collection by XXXX to Diversified Consultants a debt collection company. This has resulted in a significant negative impact on my credit score.

I have two legitimate accounts with XXXX. The first is for my principal residence which shows that the account is fully current with the next payment due on XX/XX/XXXX. That account is on auto pay with my credit card. 
I have a second account for my weekend residence which is paid for by the Homeowners Association through a Master Contract between XXXX XXXX XXXX and XXXX XXXX and XXXX. That is included in my monthly maintenance which is also current and has a credit balance. 
The account which has been reported as delinquent and referred to collection is NOT properly my account and I do not owe any amount on that account. The error is entirely with XXXX for creating an account in my name which is NOT authorized. 
I contacted XXXX to resolve the situation. However, the XXXX Representative required an account number to proceed with assisting me. I do NOT HAVE an account number. I do not have any bill or other indicia of an account or balance due. I am unable to provide an account number for a phantom and non-existent account that I did not create, incur or authorize. 
Accordingly, I have no alternative to resolve this matter except by filing a complaint under the FCRA and FDCPA. 
I am filing this complaint against both Diversified Consultants for fraudulently attempting to collect a debt not due and XXXX for providing false credit information and referring a non-existent debt for collection. 
Both entities have created significant harm to my credit status. 
I require immediate correction of the matter with appropriate notification to all Credit Reporting Bureaus that the statement of delinquency is totally erroneous and due to an error by XXXX. In the event that I am unable to resolve this matter through the CFPB complaint process I will proceed with further remedial action against both entities for damages as provided under both the FCRA and FDCPA.
Optimum Outcomes, Inc. filed a collection on my credit report. In the past, my late fathers medical bills had been mixed with my bills because I cared for him and we shared the same doctors. I disputed the debt with the credit reporting agency. Their investigation came back verified. I contacted Optimum outcomes and the lady was rude and was not willing to communicate other than stating I owed the debt. I then wrote a request to Optimum Outcomes for proof of the debt. They responded with only a letter showing the same information that was on the credit report and stated this was their validation and they were only required to do this once. No proof of agreements between me and the original creditor, the creditor and collector, payment history, original agreement, itemized statement or anything else that would prove the debt. Only XXXX insulting letter for verification.
OnXX/XX/XXXX I mistakenly paid XXXX XXXX {$3300.00} using pay online with XXXX XXXX XXXX. I had a {$0.00} balance with XXXX XXXX. The payment was meant for a different credit card. I contacted XXXX XXXX the next day to explain my error. They promised that the money would be credited to my XXXX XXXX XXXX account within 10 business days. I did not receive the money. I contacted XXXX XXXX and was told that my account was not valid. I explained that this is not possible. I did not provide any account information to XXXX XXXX they had it all on file. I still use this account to pay my bill. I was told that a check had already been mailed. That check never arrived. I contacted XXXX XXXX  again and was told that they had the wrong address. I explained that may be the reason that the credit did not go through. They refused to credit my account again and also refused to allow me to pick up a check. I explained my concern that I am paying interest on the account that I actually owe. They claimed that another check would be mailed. I followed up with XXXX XXXX and was told that the check should be at my home no later than XX/XX/XXXX. I have been out of town, but upon my return on XX/XX/XXXX there is no check here. I have made numerous calls to XXXX XXXX and at this point, I feel that I am being lied too. I recognize that this started as my error, but I do not feel that it should take 2 months to rectify.
XXXX XXXX XXXX sent me a notice of a medical debt for XXXX I paid payments of XXXX XXXX  dollars a month until I tried to pay XX/XX/2018 XXXX  dollars and the payment was rejected. Under FDCPA Law. They rejected my payment and turned me over to collections.
Had a mortgage ( home equity ) Loan with US Bank. This since XX/XX/XXXX. XX/XX/XXXX I sold my house, the house that secured the note. I received a lien release and a letter saying it was paid off. A few years later I am in US Bank and have a casual with the bank president. He tells me the Line of credit is still open ( {$95000.00} ) ( minimum fixed rate of 6 % ) and that I should use it ... .I tell him I am unemployed and could not pay it back ... ..He tells me that if he did n't loan money to people who could not pay it back he would never make a loan! He insists I can use it to get over the rough spots ... .. and not to worry about paying it back ... ... well now the {$95000.00} is due ... .They changed my payments from {$350.00} to {$1300.00}. It is just a signature loan now ... .. 
This jerk enticed me to borrow the {$95000.00} from US Bank knowing full well I had no job .... 

Is there anything that can be done?
onXX/XX/XXXX i deposited a business check into personal account by mistake with the moble app and huntington locked my account, they wont let me have access to any funds in the account before the check was deposited. i done a chat with a bank rep on the web site and asked if i bring in county business license, state tax id, city business license will that unblock my account and was told yes. i printed out the chat and took it with me to huntington bank location ( XXXX XXXX XXXX, XXXX, KY XXXX ) and talked to XXXX i was told the paperwork i brought in was no good as the county and city license was not this years, wouldnt take state tax id i been using since XXXX. i went back next day with current county license and a receipt of city license stamped with citys name and stated business use license until original is mailed to me, again refused tax id and city license. 

the letter huntington sent me said only a 7 day hold on the check and its past that now i dont see what else they would want to prove its my business check i told them i have tax id , county license, cbi number, ein