WillisBack/dataset-financial-user-claim huggingface dataset:
I filed this complaint as a victim of financial fraud. 

1 ) In a class action case known as XXXX, XXXX. al. v. XXXX XXXX XXXX XXXX et al., XXXX XXXX. XXXX ( S.D. Fla. ), the plaintiffs alleged that XXXX engaged in breaches of contract, breaches of implied covenant, and violations of the unfair and deceptive acts and practices statutes of various states, among other matters, in connection with marketing and administering XXXX XXXX XXXX. The lawsuit was settled on XXXX XXXX, XXXX with the loss of XXXX XXXX XXXX XXXX XXXX. ( Attachment included ) 2 ) As one of the plaintiffs of this class action lawsuit, my XXXX account was cleared, I owed no money of this account. 

3 ) During the course dispute with XXXX XXXX XXXX XXXX, unlawfully, XXXX called my neighbor asking me to pay them. ( voice recorded from my answering machine attached ) 4 ) XXXX  XXXX XXXX XXXX, XXXX. unlawfully suing me for this Chase account for the debt that I never owed them and a judgment was placed on me on XXXX/XXXX/XXXX to be expired on XXXX/XXXX/XXXX ( attachment included ). XXXX and XXXX, XXXX  Counsellors At law is the attorneys for NEW CENTURY XXXX XXXX, XXXX who sued me. ( Attachment included ) : XXXX AND XXXX, XXXX XXXX AT XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX Telephone : ( XXXX ) XXXX 4 )  Last week, Ive received a letter from the debtor who bought the fraud loan from XXXX XXXX XXXX XXXX, XXXX signed by XXXX XXXX XXXX from NATIONS RECOVERY CENTER, INC. demands me to pay the amount of {$4700.00} that Ive never owed them. XXXX XXXX included XXXX : XXXX XXXX Nations Recovery Center, Inc. 
XXXX XXXX XXXX XXXX. 
Telephone : XXXX File XXXX I need your help to resolve this fraud created by XXXX XXXX XXXX  XXXX, XXXX, XXXX AND XXXX, and NATIONS RECOVERY CENTER, INC. This has been dragged on and aggravated me for 7 years, since XXXX. 

Thank you and I much appreciate your help. 

Sincerely your,
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX & XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
/n May of 2018 I disputed An account on my Transunion credit Report. The listing was XXXX XXXX XXXX XXXX. In XXXX Transunion responded back saying the account was verified and accurate. Well On XX/XX/2018 I wrote Transunion a certified letter asking for the Method of verification per the FCRA 611 ( A ) ( 7 ) I am entitled to see as for I am the consumer. I have enclosed a copy of the letter that was sent to Transunion on XX/XX/2018 and I attached a copy of the certified mail receipt and a copy of the delivery notice that Transunion received the letter on XX/XX/2018. they have 15 days to respond to the letter. well today is XX/XX/2018 and Transunion has failed to respond to my letter/dispute. I am legally authorized to take Transunion to court and sue for the action- failing to respond to my written dispute with in 30days. Violation consumer protection afforded by the FCRA I am entitled to {$1000.00}. Legal Jurisdiction- FCRA Section 611 Part ( A ) ( 1 ) I will take this to a federal court Transunion , you have violated my rights and this is ground for removal on this US Bankruptcy Federal, Court that listing inaccurate on my Transunion report. If this account isn't removed immediately from my credit report asap I will go and file a suit and I have all the documentation to prove that I sent a certified letter to your company. and you failed to respond to my letter Todays date it XX/XX/2018 and your company has failed to respond to my request. this is not right and against the FCRA ...
On XX/XX/18 XXXX XXXX repossessed my vehicle. During the course of the recovery the agent violated SC breach of peace laws and was reported to Bridgecrest. The agent also failed to produce repossession documents as well. Bridgecrest was contacted regarding this attempt and was asked to produce the repo affidavit, copy of title, right to cure and repossession order. This was requested both verbally, in email and from an FOIA request. They referred me to the agent. I contacted the agent to inquire about their surety bond information and insurance. The agent refused to release the info and referred me back to Bridgecrest. Bridgecrest fails to suppy the requested information so I can pursue my claim against them and the agent contracted by them. Bridgecrest also has submitted false facts to the SC Dept of Consumer Affairs regarding their stance on the ongoing situation. Bridgecrest was notified on XX/XX/XXXX that my debt was disputed and they should cease collection activities until investigated completely. They refused this and repossessed the vehicle. I am disputing interest applied on my account, incoreect application of payment, past due amount and total amount due. Bridgecrest continues to charge daily interest even though the car isn't in my possession. They also have failed to produce the state required 10 day letter as well as my personal belongings. Their shady practices and their agents should be investigated.
Company " Commonwealth Financial Systems '' claims I opened an account on XX/XX/XXXX and claiming a balance of {$650.00} is owed to original Creditor XXXX XXXX XXXX XXXX and was reported to them XX/XX/XXXX as a collections account. This is false information and I do not own any account with either company. I would like for this to be removed from my credit report immediately.
Two years ago XXXX, we applied for the XXXX XXXX XXXX savings program through M & T and were subsequently approved by the representative we worked with ( who is no longer an M & T employee ). Since then, we have successfully completed the program, making the monthly payments on time, and have completed the required counseling sessions. At this point, we have met with our loan officer several times, had all of our documentation in order, and successfully procured a mortgage loan. We were informed yesterday of a condition of the XXXX XXXX XXXX program that would have disqualified us from being accepted into the program ( I was a XXXX within 6 months of XXXX ), yet M & T approved us anyway. The person we met with checked all of the criteria for the program off for us without confirming with us that is that met the criteria, and only had us look at and sign page XXXX of a document. As a result, we did not receive the XXXX that would give us an additional {$7500.00} toward closing costs. We were told by M & T that they would do nothing to right this, despite the mistake being theirs.
On XX/XX/2018 As every liable consumer i have done my regular mortgage payment, The bank by mistake sent my mortgage payment to totally different institution confirming me wrongly that my payment was received and paid to my mortgage company, unfortunately it wasn't. After 30 days I did my next payment never had an idea my payments weren't went through. I've got reported by my mortgage company with late payments. Long story short I called to credit bureaus XXXX   XXXX, and XXXX Both XXXX and XXXX were cleared my credit report history with no any extra headache but XXXX won't clear. its been a year already still no luck with XXXX. Please give me an advice how to solve this issue i have all the legal documents, Thank You
REPORTING FRAUD ON THE   XXXX   MAJOR CREDIT REPORTING AGENCIES. 1.  XXXX    XXXX   XXXX   XXXX    XXXX , TX  XXXX  / 2.  XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX . 3. TRANSUNION   XXXX   XXXX   XXXX   XXXX   PA  XXXX  / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE STATE MEDICAL INSURANCE. I BECAME   XXXX    IN   XXXX   MONTH OF   XX/XX/XXXX .  ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY STATE MEDICAL INSURANCE HEALTH PLAN. PASS AND PRESENT. 1.   XXXX   XXXX   XXXX     XXXX   ID MEDICAL CARD NUMBER   XXXX   / DATE OF BIRT H   XX/XX/XXXX  / 2. STATE OF CALIFORNIA HEALTH INSURANCE ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIR TH   XX/XX/XXXX  / 3.   XXXX    HEALTH INSURANCE ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX  AND  XXXX   XXXX   ) ) )
XXXX contacted collection agency called One Advantage, LLC and advised them that I do not owe anything on # XXXX/XXXX {$650.00}. I contacted One Advantage, LLC and requested from them a closed paid in full letter noting that I am not responsible or do not have a pending open balance.
I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. XXXX XXXX XXXX Auto Finance XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX/XXXX/XXXX, XXXX XXXX XXXX via XXXX CR XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX. ) Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ).
An outstanding debt I owe to XXXX has recently been purchased by Orions Management Group, LLC. I received a call ( voice mail ) from someone at that organization on XX/XX/2017 - the person did not identify himself, but said it was urgent and that I needed to return his call same day. Later that afternoon, I received another call at work - again the same person did not identify the company he represented or state what the matter was about ; he left a voice mail stating that the message was for MY BOSS and asked him to have me return the call. First of all, this debt was incurred before I worked for my current boss. I do n't know how he got his name, but the fact that he called me at WORK and left a message for my BOSS infuriates me. I called back a little later and got the person 's voice mail. I told him to not ever call me at work or to call my boss trying to reach me ; I would report him to the Consumer Finance Protection Agency. He called me back while I was at an appointment and left a condescending, sarcastic message, stating he did n't know what message I was trying to convey and that he really did n't understand much of what I was saying. It was not a very nice message. Then, I received a letter in the mail SAME DAY regarding the debt. So the calls preceded the letter. I would not have minded just receiving the letter, but I feel the calls and voice mails were threatening and harassing.
RUSH PLEASE I have foreclosure sale date scheduled for  XXXX   XXXX ,   XXXX   and I can not stop it. I have Loan Modification with my servicer NATIONSTAR MORTGAGE,  LLC a nd seems like they are violating my CALIFORNIA HOMEOWNERS BILL OF RIGHTS.     Hi, my name is  XXXX   XXXX  and I 'm having a very hard time dealing and working with my servicer NATIONSTAR MORTGA GE, LLC. I h ave mailed and faxed over all documents for a loan modification but they are still proceeding with the foreclosure sale scheduled for  XXXX / XXXX / 2017 . If they proceed with the sale they will be in violation of the CALIFORNIA HOMEOWNERS BILL OF RIGHTS. I really do n't know what else to do. They say they will not give me a loan modification and that they can not do anything. How is it that they can not do anything. I 've been trying with them for a long time. I tried and applied for the Keep Y our Home Cal ifornia program when it was still active and they still said I was denied. I need help. They keep denying and prolonging the process until I have exhausted all my resources. I will not stop fighting till I get a loan modification if be it I will have to file a lawsuit against them in court.
On XX/XX/2018 Equifax ran a 'hard inquiry ' of my credit without my knowledge approval or authorization. The inquiry was from XXXX XXXX  ( XXXX XXXX XXXX ). I have spent hours on the phone with both Equifax and XXXX XXXX to no avail. Equifax states it is not their problem and that XXXX XXXX must request to remove the inquiry. I have filed a complaint with XXXX XXXX but I am doubtful it will be handled in the correct manner. Equifax says my address is incorrect instead of XXXX XXXX, Utah ( XXXX ), where I have lived for over two years, they show XXXX XXXX XXXX, Utah with a different zip code.
I contacted American Express credit, customer service and fraud. They kept transferring me in a loop back and forth. I sent a letter to American express and still no resolution. 
My husband XXXX XXXX added me as an authorized user over a year ago. Last month I changed my name and they reported that name change as a new account. 
I would like to request assistance in removing this new account from affecting my credit negatively in any way.
On XXXX XXXX, 2016 I paid my mortgage off in full to Ditech Financial, LLC. Attachedf is a letter from them acknowledging the payoff and the Account number is contained thereon. XX/XX/XXXX I called to inquire about the status of my escrow refund of {$1900.00}. I was advised by XXXX that a check had been cut and would be sent out shortly. On XXXX 2016 I called again about the escrow and was advised that the check had been cut and released on XXXX/XXXX/16. I again called on XXXX/XXXX/2016 and spoke to a XXXX . XXXX, who identified herself as a supervisor. She said that check XXXX had been issued on XX/XX/XXXX. I advised her that I had not received it. She wanted to cancel the check and send a new one and I refused that option as this would have restarted the process and allowed Ditech another 30 days to send a check. XXXX . XXXX agreed to have an electronic transfer made to my bank account. She told me this would take 5 days. As of today, XXXX XXXX my account has not been credited. 
I am of the opinion that Ditech is a rogue mortgage and collection agency who keeps other people 's money an undue length of time and only refunds money when threatened. It is this kind of company and lack of federal oversight that led to the last financial meltdown and will lead to the future bank and real estate meltdown. They are an unprincipled company that should be severely fined or put out of business. I encourage your office to log into XXXX and read the hundreds of negative feedback on this company.
BELOW IS THE EXCERPT FROM THE LAST CORRESPONDENCE I SENT TO MIDLAND : The last correspondence I sent your company dated XXXX XXXX, 2015 pertained to a demand for validation. Your company 's response dated XXXX failed to provide me validation of the account and at the same time you have persevered with reporting the account on my credit report. Additionally, instead of a collection account with a charged-off amount, the account is being reported as an open past due account, to make it illicitly appear as an installment account in an effort to have a greater negative impact on my credit score. This is a blatant violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( FDCPA Sec 809 ). Hence, I hereby declare my intent to bring suit against your company under the regulations, due to your continued collection activity and failure to remove the account from my credit report.
This company has been calling me incessantly for months now. They call and as soon as the call connects to a representative, they hang up ... as though they are trying to force you to call them back. I spoke with an agent on XX/XX/XXXX and asked who they were. They advised me that they were calling regarding a debt from XXXX where I owed {$130.00}. I advised them that their claim was fraudulent as I have been insured for the past 15 years through the same company and my maximum co-pay amount is {$100.00}. I further advised them that this debt was settled through another company XXXX XXXX. They hung up on me and have proceeded to call me multiple times daily since. I contacted XXXX regarding they debtor. XXXX  conducted an investigation and found their claims to be fraudlent and deleted the collection from my credit report. Today, XX/XX/XXXX, the same thing happened. I spoke with a representative and advised her that I was going to report them to the XXXX XXXX XXXX and the representative told me to go ahead and hung up on me. I am tired of being harrassed by this agency, who clearly does not own this debt!!! They are scammers who are trying to bully me into paying a false debt ... and damaging my credit to make matters worse!
XX/XX/2016 I have been receiving several call a day from a debt collection agency by the name of Midland Credit Management. The first call was answered by my step-father. This company claimed to be working with XXXX XXXX and that I had an account in collections in excess of XXXX USD. According to my step-father, the representative attempted to solicit the amount from him. My step-father, not trusting this caller stated, " I do n't have any money to give to you. '' which was then met with a reply that for an amount of XXXX USD they would pull the account out of collections. After a second refusal the call was ended. Several calls later, I personally answered and the same information was repeated that they work with XXXX XXXX and that I had a debt to pay. I notified them several times that this is false information and that I would be contacting XXXX XXXX. After calling XXXX XXXX 's fraud department I was told by their representative that midland is not associated with them. This did not seem to dissuade Midland as several more calls followed. The final call being today, XXXX XXXX, 2016. Again After several attempts to notify this company that this account does not belong to me and that if these phone calls continue, legal recourse would be taken, I was told that I would be taken off of their call list. If a company can not keep accurate records of their debts and attempts several times to collect debts from persons unrelated to these accounts, There should be some sort recourse.
Attempts have been made to contact the creditor. Phone is connected to a " win a trip to the XXXX '' or " sign up for cable service '' and other gimmicks. I looked online and found another number for the creditor. Upon contacting, I was informed that it had been sold. I was given another number and upon contacting the new creditor I was again told it was sold and provided with a new number. The next resulted in the creditor not finding any information on us. Here are the phone numbers in order that we have called to fix the situation : XXXX XXXX XXXX We feel that we have made due diligence it attempting to correct this matter but no one seems to know or have the information we need. 

Additionally, we do not recall ever receiving a bill or invoice for this amount.
On XX/XX/2018 I contacted Equifax at XXXX and spoke with XXXX. I advised XXXX I was made aware of inquiries on my credit report I did not authorize. XXXX advised I was unable to dispute this information and had to contact each individual company to dispute it. I advised I did not feel it was my duty to do so because as custodian and the furnisher of information it is Equifax 's duty to ensure all inquires a duly authorized.
We have already filed a complaint against our Service Provider ( Ocwen Loan Servicing LLC XXXX. Supposedly by XXXX XXXX, 2015, everything was resolved and they corrected all the supposed-missed-payments for XX/XX/2015. However, since that time, Ocwen " accidentally '' took away our loan modification and suddenly the entire thing started over ... '' You are in default for the last 6 months '' etc.!!! We are back to square one with this company. The closer we look, the more mistakes and lies and manipulations we find. Meanwhile, my health is suffering and I am experiencing a XXXX XXXX XXXX and am out from work sick. Please see attached specifics and documentation.
First, where is the form to report discriminatory practices generally? : Your form is designed to keep the real problems from being reported! In doing so, you are assisting the fascists banks you are supposed to protect us from. You cant tic tac toe everything! 

There is a disturbing trend with large U.S. banks most notably Bank of America ( BofA ) and XXXX using their enormous market power to discriminate against customers based on lawful firearm-related business activities. ( Ok, I paraphrased text from the XXXX ) However, this is a major problem and one I have already informed my congressman ( XXXX XXXX well see is he actually listens to his voice mail! ) It has always been important that banks and financial institutions be neutral turf, staying outside the political issues of the day. As important for these institutions to keep their activity legal, and not knowingly support criminal actions, it is more important that they do not BECOME legal authorities themselves. This approach was most effectively used by XXXX XXXX in the XXXX to align XXXX to his authority. And it went way beyond his attack on XXXX XXXX citizens. We must learn from his evil. 

This is even more important in the age of digital currency and electronic transfers. Our financial institutions have become, for better or worse, the circulatory system of our society. To cut anyone off from that system, no matter how extreme ( and lawful manufacture, transportation, sale and possession of firearm is in no way extreme! ) is to create a subclass in America. Believe me when I say that this fascist approach to social change will not end with the firearms debate. We already are seeing attacks on churches, business, clubs, and other organizations who do not fit into the correct social platform. This must end. This is what gives the XXXX rule of Think Progressive their unjust power. 

It is your job to enforce neutrality on our financial institutions, now matter how popular their actions may be with certain segments of society. Our true core values are at stake! 

Sincerely, XXXX XXXX XXXX XXXX, Illinois
CAB Collection continues to verify and report to the credit bureaus a debt that is a result of identity theft. The address where the utilities was set up is an address to which I never lived and I never authorized the transaction. I have a police report on file and have sent to all XXXX bureaus. The reporting of this account is not only inaccurate but it is causing me and my credit rating serious damage. I needed to let this go on record since CAB is n't willing to do the right thing.
Seterus force-placed insurance on our mortgage, despite the fact that my insurer has twice faxed proof of hazard insurance on the subject property, and my insurance company shows that Seterus paid the policy over two months ago. The forced-placed insurance added to my mortgage has caused my Seterus mortgage payment to increase by almost $ XXXX/month -- an increase of over XXXX %.