WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call from XXXX indicating that he was from an investigation dept for company PRG needing me to call them within XXXX hours if not a judgment will be fine against me since they worked for an attorney 's office and that they would contact my employer to garnish my wages. He later indicated to call back at XXXX with case # XXXX. I have never received any noticed in the mail about it. I call them back but what they wanted is for me to pay by phone an did n't offer to send me a letter XXXX with the instructions on how the payments were going to take place. They have also called my brother indicating that there is a judgment out on me already. 
I called XXXX directly and they told me that they sold my debit to XXXX XXXX.
I want to have prove I open those bank account I wrote XXXX   and call the bank no one seen to help me, please help me, I have seem bank information on my XXXX report that I have no knowledge of it.
Transunion has decided to once again add fraudulent information that was originally submitted as identity theft back onto my credit report. I have to call them almost every month to get this resolved, and transunion continues to change the name of this credit account and then re add this back. 

I never opened an account with XXXX XXXX. I do not own this account, This account was opened as a Result of Identity theft. Someone stole my wallet, and then used my information to open this account. You already have an FTC Identity Theft Law enforcement affidavit on file with your Specialized Fraud team yet you still continue to re add this back onto my credit file after previously blocking this account. 

XXXX XXXX XXXX XXXX XXXX {$1000.00} Owed < - This is not my account. Originally two months ago this was XXXX, then it went to XXXX and then to now XXXX XXXX. This account is fraudulent and should be permanently blocked per FCRA Law.  Please review my Identity Theft Affidavit that you already have on file. 
XXXX XXXX XXXX CARD SERVICES XXXX, GA XXXX Additionally Transunion allowed an inquiry from XXXX XXXX on XX/XX/2018 and XX/XX/2018 this is a fraudulent inquiry that I DID NOT AUTHORIZE.
I was in a total loss accident in XX/XX/2018. After the process, and insurance settlement with Toyota Financial Services, they are stating, after community sting to my wife and I otherwise, that we owe an extra {$3800.00}. This amount is reflective of the insurance payout after the initial estimate. We were told by Toyota Financial Services that we did not have to pay that money to them as we had Gap coverage and it was settled. After GAP processed its part, Toyota Financial Services have us 20 days to pay the full amount requested. I believe this to be in violation of the fair debt collection act.
got a car loan from navy federal XXXX.2014 for about XXXX. beginning payments were XXXX a month. got the opportunity to secure a personal loan through the same bank a year later. used to loan to " pay off '' my car ( i have my title so it cant be repoed ) payments increased to XXXX a month. been paying on this car for 3 years and still owe XXXX. ca n't tell me something is n't wrong with this picture. I can do math and I 've paid about 13k so far. I 'm paying dbl and it 's not right. I make half the money I did 3 years ago and the XXXX a month is too much. I 've tried to get the interest rate lowered several times with no success. All the bank offers is payment deferal and that comes with a price. I do n't mind paying what I owe, but I 've basically paid for this car already and still have 2 years of payments left. This is what 's wrong with this country now and why families ca n't stay afloat. No matter how they try to justify this it 's wrong.
Collection was opened on XX/XX/2018 in the amount of {$470.00}. After my 6 month plan was paid for in full and had come to an end, the company went to wrongly renew my policy after I had to told them I will not be renewing.
The week oXX/XX/XXXX I sent Transunion a dipute in reguards to XXXX and XXXX XXXX. These collections were deleted onXX/XX/XXXX than added back some time inXX/XX/XXXX. I did n't receive a written notification no later than 5 days after the these four accounts were reinstated
3 checks were deposited into my checking account- not credit card account. 1. XX/XX/XXXX for {$6500.00}. Chase Bank released the funds the funds in a couple of days to have it bounce back 26 days later due to a " bad routing number ''. 2. Checks deposited on XX/XX/XXXX for {$5000.00} and {$3200.00}. Chase Bank held those checks for 12 business days and released the funds. Those two came back 28 and 29 days later stating " fictitious accounts ''. ALL 3 checks were written from the exact same account from XXXX XXXX. FDIC closed XXXX XXXX XX/XX/2010. Chase states I owe them and I have to take out a loan to pay for immediately for face consequences. I have filed police reports locally and with the FBI and found the person responsible. I have contacted Chase corporate several times in this matter and I'm treated like a felon, not a victim. I have left messages and no one returns my calls. I have a case number and phone of the Detective on my case ( which is a felony ) and chase won't return my calls. This same individual who wrote the bad checks also stole my debit card and I have asked for updates on that as well. Still no response. Why would a bank clear not 1 but 3 checks on a debit account to wait a month later to have them returned? One would think in this age of computers that a system as sophisticated as Chase Banking would be aware of a bad routing number in minutes of a check being deposited, not weeks later. Per Chase 's request, I went into my local branch, closed the fraudulent account and opened a new account. Chase has now frozen both accounts and failed to let me know why. Isn't that against policy when a financial institution closes a good account without letting that person know? As a customer, I relied upon the professionalism and safety of my banking institution to protect myself from issues like this. I believe Chase is at fault for not having protocols in place to protect the consumer.
A company called XXXX XXXX XXXX is appearing on my credit report in the amount of {$660.00}. I do not have any business with this company nor do I have a contract with this company. They are not allowed to attempt to collect the {$660.00} that I have no knowledge of.
I have addresses on my credit report that are not mines and information that is not accurate. My name is XXXX XXXX XXXX, My current and only address should be XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
please remove and delete any other address they are not mine. 
Address Date Reported are incorrect please delete XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX
On XX/XX/XXXX, I called capital one to let them know I wont be able to make my full Payment if there is a program to help out customer 's in that situation. They transferred me to a accountant specialist. After talking to her and telling her about how they are so quick to charge a high late fee even of your 1 day late. The lady said that they have no power to waive off the late fee, but can work on a payment plan.
I am a home owner in the state of Massachusetts. I have fallen under a financial hardship ; I been trying to work with my bank and provided them with everything they have asked for but One West Bank is refusing to assist me and this situation is putting my family and I under an amazing stress same as they did in the past. In XXXX I applied and was found eligible for a HAMP modification trial plan. I was instructed to make XXXX trial payment on time to then be place on a permanent modification ; I made over XXXX payments towrd such offered mod but I was never permanently modified, as continued making the payment then the bank stopped taking my payments and denied my modification for an invalid reason of missing income documents after I had been informed the bank had received all documentation requested and the bank violated the agreement as after XXXX trial payments I was to be permanently modified. On or about XXXX XXXX I re-applied for a HAMP, the bank acknowledged receiving all documentation requested but are denying me for HAMP stating that I failed in XXXX that is inaccurate as mentioned above I made over XXXX trial payment but was never modified. I am requesting your office to look into One West Bank behavior and review in my case
I have been trying for the last XXXX days ( XXXX ) to establish a security freeze on my credit file with Equifax. Their website is down, I ca n't get through to their customer service #, and the " incident '' response call center reps tell me they can not assist me with establishing the freeze, do not know what # to call at Equifax to establish the freeze, and suggest I " keep trying '' to access the downed website.
i a XXXX XXXX vet and with this i an entitle to a tax break from the state of new mexico this i received the first of XXXX. I receive a certificate from XXXX XXXX XXXX stating that i would received a tax break on my house Account number XXXX.
Now my compliant is that Wells Fargo has not shown this on my invoice if my tax status change then my escrow account should change this wound decrease my house payment. This has not happen yet and when i called Wells Fargo they informed me that my house payments were going to increase. I did not ask fro this but it was offer by the state of new mexico And i thank them for there help.
But why dose Wells Fargo not honor this tax break and help me out?
Please take cooperation that telling XXXX. Senators that I was not happy with US Bank which they turned me down as they refused to offer me in reward {$120.00} for new bank account at XXXX XXXX. US Bank does not like me to get reward {$120.00} as they do not like and do not welcome in their XXXX XXXX XXXX XXXX. Male Employees do not like my appearances as they said me that I was too ugliest and dumbest gentleman who wrote my complaints to Consumer Finance report so please forward to XXXX. Senators at emergency orders! Tell XXXX. Senators that I do not fit in Oregon resident noted to Male Attorney at immediate action! Tell ME from Male XXXX Attorney in confrontation person XXXX not phone ) at requests. Thank you for not appreciated with XXXX Bank and U.S. Bank turned me down in their discrimination addresses messages to Male Attorney. Thank you for not appreciated with XXXX Bank and US Bank noted to XXXX. Senators in serious charging matters! Please follow up release to Male XXXX Attorney appoints me with male attorney through court requests.
I have contacted capital one bank several times since I found out they were reporting XXXX default debts that were paid in a settlement agreement. in the agreement when I finished paying the agreed amount they would remove the items from my report. they have not removed them and I keep getting the run around and they keep trying to say it was third party agency however capital one is the XXXX reporting it and they are the ones I paid. they are using deceitful practice to collect money and then not holding up to what they say they will do. after several phone calls to capital one I received a letter saying I need to talk with a third party agency they pay to collect money and make their agreements. As I explained on every phone call capital one is reporting it and they are the ones I paid.
PayPal tricks people to use PayPal credit with 6 months free interest financing. And there is no warning/nor a date on the website indicates the due. I purchased a camera via PayPal credit six months ago for {$1900.00}. PayPal credit with 6 months free interest financing. And today, paypal suddenly sent me a bill of {$2200.00}. This business practice from PayPal is really terrible. Because I didn't get any email from PayPal prior the six months period ends. Nor I was able to find any date on in my accounts to indicate my due. So I believe PayPal wants to mislead people to charge people more interests. And after discussing with PayPal, PayPal 's customer service is not willing to cancel the fee even I can pay in full immediately.
to whom it may concern : last year at this time my mortgage company Freedom mortage increase my mortgage about 800.00 a month with no explanation!! I submitted thru your organization last year a complaint. freedom mortgage didn't really give a viable explanation as to why they increased it but they did lower it back to what it was. NOW!! a year later they are doing it again! telling me I owe them roughly 700.00 additional payment per, and when I call them they initially agree that something is wrong, but as usual they say pay it!, so I called my city tax office they said my taxes are payed in full. I told Freedom mortgage again that my taxes are about XXXX a year. they said I have to pay an additional amount of roughly 4500, I ask him to email me those documents that say I owe roughly 9000 a year in taxes, he said he would, but am still waiting. my case file number : XXXX XXXX XXXX XXXX XXXX asst vice pres customer service wrote my last responce
I have been working on an account that is being reported by XXXX. I requested information directly from them asking for validation of the debt. What I received was a letter stating that the account has been sold and that I would need to contact the other company. How can the bureaus validate this if I an unable to and I am the one that is suppose to be responsible? I have disputed this with the bureaus and still have not gotten any type of answer as to how they can validate something that I ca n't.
Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX GA XXXX This company bought my two duplex loans about a year ago and it has been a NIGHTMARE since day one. Even though we pay both our mortgages every month because we are currently in active bankruptcy we have NO way to look at our account. I get no statement, can not see anything online and the ONLY way to pay the bill is to either mail it and hope it get credited correctly or call and be on hold for about an hour and pay over the phone. I am told the only way to get a statement, escrow balance or ANY information about my loan is to FAX my request to them AND I have to send a separate FAX for each statement or piece of information I want to know. I have a right to the information about my loan!! How do I know what my balance is or if my payments are being credited or it I am being changed 'unknown ' fees. I want access to my loan information without jumping through any hoops to get it!
I spoked with customer service from Experian about inquires on my credit report witch i have knowledge of i asked them to remove them and they denied helping me and also addresses that ive never lived in aswell as phone numbers
This company called Clarity has obtained my social security number and submitted repeated inquries that are showing up on my XXXX report and making it hard for me to open a bank account. I have never given this company permission to do anything. I want all inquiries from this company removed from XXXX.
I obtained a XXXX mortgage from Charles Schwab Bank in XX/XX/XXXX. The mortgage is a conventional adjustable note which called for " interest only '' payments for the first 5 years with the remainder of the note then amortized over the remaining term with adjustable interest periodically calculated. The note contains a paragraph that ( see attachment 8 ) says the note is " assumable '' subject to a new buyer qualifying for the note assumption. 
In XXXX XXXX I received a " Loan Modification '' from XXXX XXXX which had assumed the servicing of the note sometime after I closed with Schwab Bank. The loan modification agreement lowered the interest rate to .10 % ( XXXX basis points ) for a 4 year period to XXXX, XXXX. The loan modification contained a paragraph stating " All terms and provisions in the Loan Agreement providing for or relating to any change or adjustment in the rate of interest or in the payment amounts remain in full force and effect except as modified herein -- --. 
Whenever the monthly payment amount changes, Lender will notify Borrower of the new payment amount prior to the date of it first becomes due. " There is no place in the Loan Modification Agreement that addresses, or changes, or counteracts the original wording about the assumability of the mortgage by a potential new buyer. I have received an offer from a potential buyer to assume the mortgage rate of .10 % for the remaining 2 years of the Loan Modification subject to his qualifying for the note. Schwab Bank AND XXXX XXXX refuse to allow the note to be assumed in accordance with the Loan Modification which I executed in good faith. Each refuses to put in writing citing the basis for their seemingly arbitrary decision saying only " It was not our intent to allow the XXXX XXXX rate to be assumed by anyone '' although each does confirm that the original note is, in fact, an assumable loan. 

It does NOT appear that Schwab Bank had any involvement with the Loan Modification paperwork since the Agreement was prepared by a law firm on behalf of their client, XXXX XXXX, XXXX.
i received a collection notice from XXXX and it is not my debt. 
1 it is not my debt i would like for XXXX to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 
2. this debt is XXXX claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy withing two weeks from the date you receive this complaint
Portfolio RC showed up on my XXXX XXXX report for both reporting agencies. On XX/XX/XXXX I called the number and asked for information regarding the alleged debt. I spoke with XXXX XXXX who could n't find the debt. She found a XXXX XXXX XXXX collection dated XX/XX/XXXX and the information did not match up to me. I told her that my credit report reflects XXXX in the amount of {$680.00} and i currently have an account with them with a XXXX balance. She transferred me to XXXX who could n't find the debt, however XXXX told me that I had to send in a copy of my credit report so that I could prove I was n't the debtor. On XX/XX/XXXX I called back and spoke with XXXX. She did n't find a debt. She transferred me to XXXX in disputes. He checked the XXXX and reported that it was purged in XX/XX/XXXX. He told me that I had to prove that there was on my credit report because he did n't find the debt. I emailed a screen shot of their company on my credit report. I followed up that day and spoke with XXXX XXXX who checked and checked and found nothing. She put notes on my file that there is nothing there and the mark should be removed from my credit report. I called XX/XX/XXXX spoke with XXXX who said he would n't do anything I just have to wait. I have no idea what I was supposed to wait for. I called back and spoke with XXXX. I was honest and told them that I was contacting this agency. XXXX got XXXX who is a manager. XXXX looked and looked and found nothing. He told me that he would look deeper and call me back in 2 hours. He did n't call so I called back. I spoke with XXXX XXXX and asked for some record that I owe anyone anything. He said he had nothing to show me at this time and I would just have to wait up to two weeks for them to find something.
In XX/XX/XXXX I got a loan for the equity of my home with Citibank. They asked me to have a Flood insurance policy and I got it with XXXX insurance. On XX/XX/XXXX I made the full payment to Citibank, and I asked them to close the account, an according to the contract if I do not owe anything they shouldn't charge me anything, but I kept receiving letters from them regarding to pay the Flood Insurance. 
You should know that my home is not in Flood area since XX/XX/XXXX and I do not owe anything to Citibank since XX/XX/XXXX.I kept receiving letters I called them and they did not help me on anything.they kept transferring me to different people, departments and at the end they should hang up on me. 
I went to talk to the manager of the bank in XXXX where i got the loan " XXXX XXXX '' and she called and talk to different people and finally she cant do anything. I went to the insurance company and the representative XXXX XXXX called the Citibank and talked to a lady her name is XXXX and she told her i had to pay {$410.00} as an overlap I do not know why, I always had coverage, and I always paid everything on time, even though I paid the amount waiting do not receive more letters. They required me to close the account the following : a money order for {$64.00} letter of authorization to close the account again, I did everything and they never close the account. 
I had been receiving bills and letters, now they want to charge {$1700.00}. They continue purchase Insurance for me for a loan that I do not have. 
I called again and they kept me on the line transferring me with different people. I am completely frustrate, I do not know what can I do. nobody seems to understand why they have not closed my account but nobody helps me either.
I Called and made a complaint on XX/XX/XXXX and XX/XX/XXXX, but no one was able to help me. They couldnt find an application on file with my social security number. 

Someone ran my credit twice on XX/XX/XXXX for Auto financings, which I did not authorize. Im looking to get these HARD INQUIRIES removed ASAP.
On XXXX I received a completely unsolicited XXXX XXXX debit card from XXXX. The Issuing company is XXXX Bank and XXXX. XXXX XXXX is affiliated with XXXX XXXX and their frequent flyer program. I have never applied for a XXXX XXXX credit card or any other card associated with XXXX XXXX. There is an {$85.00} annual fee associated with this card if you choose to activate it.