WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX  from 2012 to the present of theft and fraud of people using my personal finance info to obtain mortgages. 

XXXX XXXX XXXX of the same people with fraudulent issuance of mortgages on my behalf. 

XXXX XXXX XXXX which is XXXX XXXX now - same fraud and identity theft and fraudulent mortgages. 

XXXX XXXX XXXX  XXXX - same fraud application for mortgages on my behalf. 

XXXX XXXX  - same fraud mortgages XXXX XXXX XXXX XXXX - same fraudulent mortgages on my name and info. 

XXXX XXXX XXXX - same fraud mortgages on my name.
Citi bank Costco Visa advertised No foreign transaction fee. I was charged foreign transaction fee on restaurants, hotels, etc. for transactions occurring in XX/XX/XXXX 2017 in XXXX.
On several occasions I have attempted to change my repayment plan through Navient. In the past I was directed to a government website. Again today XXXX, I called Navient and first spoke with " XXXX '' work ID XXXX. She told me my spouse and I earn too much money to qualify for an income based repayment plan ( I am trying to qualify for the Public Student Loan Forgiveness Plan ). A manager named " XXXX '' XXXX repeatedly tried to direct me to a lower repayment plan- I specifically said numerous times that I want to enroll in one of the following plans : Revised Pay As You Earn ( REPAYE ) plan, the Pay As You Earn ( PAYE ) plan, the Income-Based Repayment ( IBR ) plan, the IncomeContingent Repayment ( ICR ) plan. I was told I do not qualify, and the manager keeps changing the subject. After more than 54 minutes on the phone line, much of which is on hold, I am waiting to speak with a representative based out of the United States due to communication barriers. The XXXX XXXX XXXX is trying to prevent me from applying for a qualifying repayment plan for Public Student Loan Forgiveness.
My daughter has a loan with Sallie Mae. I am a co-signer. Times are bad so we did fall behind on the payments. I am helping her by making catch up payments for her account. In XXXX I talked to Sallie Mae loan dept to tell them of this. They kept asking for more payments as we spoke saying they did not receive recent ones. I told them I can not, but will continue the monthly pay. Tho they repeated they did not receive my last payment, my bank records did show the pay went thru. The staff was either lying or ... ..On XX/XX/2019 Sallie Mae called my wife, -- 5 times in 3 minutes -- son, brother and sister in law -- not even same last name -- to tell me to pay. BUT ... did NOT try to call myself or daughter. Shrug? Sallie Mae calls show on caller ID as unavailable. calls come on weekends but when trying to call back says only open Monday thru Friday. This tactic is harassment and will not result in my ability to afford to repay faster.
I have 4 fraudulent inquiries on my Equifax credit report that were not authorized by me and Equifax will not take them off? I have been fighting with them since XX/XX/XXXX and nothing has been done about it? At the end of XX/XX/XXXX, I had someone try to steal my identity and try to get credit in my name but they were unsuccessful because of a lack of information about me. I called the creditors and they couldn't pull nothing up in my name so they all sent paperwork to Equifax telling them to take it off my credit report because they have no proof of me applying for any credit.They told Equifax that the inquiries were fraudulent and should be taken of my credit report.I called Equifax and they said they didn't receive anything from the creditors ... not even one of them? I have letters from 2 of the creditors that I faxed over to Equifax and they said they can not remove them even though they told me to send them for proof? I have disputed these inquiries 3 times online and have written to the dispute and fraud departments about the issue.I need those 4 inquiries deleted from my report because its hurting my credit score and they were not mine to begin with.The following inquiries need to be removed ... 
1 ) 1XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX
In XX/XX/XXXXI had 2 online payday loans. I was in a bad financial situation. Once I got back on my feet. On XX/XX/XXXX called the collection company to work out a settlement offer. The lady on the phone told me that if I paid both loans off in 2 weeks, they would REMOVE the entire file from my credit report. I paid both loans off as agreed and they did not remove them from my credit file. One loan amount was {$620.00} and the other was {$1300.00}
Our mother had a reverse mortgage with Reverse Mortgage Solutions. My brother and I were told we had 6 months to sell and repay. If we showed good faith an additional 6 months would be given to us. We followed the rules, kept in touch sent in required docs etc. Our mother passed away XXXX, On XXXX we received notifications from the mortgage company that a Default for Foreclosure was recorded with XXXX XXXX. We have sold the house XXXX and it is currently in escrow ( pending ). We feel the Default was not necessary and it should be never have been recorded! We are hoping they do not try anything before the escrow closes! Can you help us? Can XXXX help us? We are also asking our XXXX XXXX for help also!
I have contacted XXXX several times via phone and online on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from or gave consent to. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is a complaint from XXXX XXXX against Enhanced Recovery for Enhanced Recoverys failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Enhanced Recovery with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
XXXX and Navient debt collection agency is harrassing me at my work, and my bosses via personal cell phone number.
American Express called my Father on XX/XX/2018 to ask about my Card that was past due. I am not a Minor, and they have no legal right to discuss my debt with my parents. The billing statement was only 2 days past due, and they were calling my relatives about my debt. The were talking to him and told him the exact amount due, and private information about my debt. I assume it is american express, but they are also calling my cell phone from various different numbers, and the voice mail is telling me to call a different number than the caller ID is coming up as. In this age, where there is so much fraud and identity theft, they should only be calling from known published numbers, not random numbers. When someone leaves a voicemail, with a computer generated pre-recorded response, telling me to call a completely different number, that in my mind is someone trying to steal my private information.
On XX/XX/XXXX, A recurring payment in the amount of {$110.00} .00, caused my checking account to be overdrawn and a fee in the amount of {$35.00} was assessed. On XX/XX/XXXX, i deposited the amount of {$560.00} however Wells Fargo only released part of the funds until days later. <P/> On the same day i deposited the amount of {$560.00}, Wells Fargo charged an overdraft fee in the amount of {$170.00}. I understand that a bank may charge the account for over draft fee, however the amount charged was excessive and not in accordance with Federal Laws. The account had only been overdrawn two days when the excessive amount of {$170.00} was debited from my account. <P/> On XX/XX/XXXX, a fraudulent transaction from XXXX was debited from my account twice yet i have not made any purchases. These two transactions are fraudulent in nature, not even XXXX has a history of these purchases.
In XX/XX/XXXX, I ran my credit report through XXXX. 3 accounts were on my account that show date account opened and closed with no activity reported. The dates closed respectively are XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, ell well over 10 years old. I called XXXX, was told to submit a dispute request and they would investigate the accounts. At the end of XX/XX/XXXX, I was notified XXXX finished its investigation, but would not take the accounts off. Reason : due to Customer Dispute, the 10 years changes to most recent activity date ( my dispute ) and the accounts would stay on the report. First and foremost, these accounts were not mine primarily, they were joint accounts dating back to when I was married. Since being divorced over 10 years now, there is no reason it should stay on my report. It is reducing my credit score for no good reason and immediately needs to be removed.
American Education Service sent me a collection email 3 days before my account is due. Please advise.XXXX XXXX XXXX. 
Here 's the text of the email : This message has been sent to you based upon your existing relationship with American Education Services ( AES ). If you are not the intended recipient or received this e-mail in error, please contact AES by calling XXXX, and then delete this e-mail from your system. 

This message is being sent to inform you that a student loan, serviced by AES, for which you are the cosigner recently became delinquent. 

If payment has already been made, please disregard this notice. 

Please be aware you are equally responsible for this debt and the situation must be resolved immediately to avoid negative credit reporting for both you and the primary borrower. 

To protect your credit rating and avoid collection calls it is important you resolve this situation today. You may do so immediately by clicking the link below to make your payment : XXXX/signinAmerican Education Services Payment Center XXXX, PA XXXXXXXXPlease do not reply to this e-mail as this e-mail account is not monitored. 

You 've received this e-mail because you previously provided AES with your e-mail contact information. If you want to be excluded from future e-mail messages, please unsubscribe here.
I have disputed the following item below with the credit bureaus and creditor and have not received proper verification or validation to show this account belongs to me and that they are reporting accurately within guidelines of the FCRA, XXXX and FACTA.
In  XXXX   XXXX  The IRS notified me I had not reported interest income from CIT Bank for tax year  XXXX . I checked my records and they were correct. I had NOT received a form  XXXX  form from  CIT B ank. I made payment.     I called CIT and reported not having received the  XXXX  for tax years  XXXX  and  XXXX . Of course my  XXXX  tax return had already been filed, and without t he CIT Ba nk interest reported. CIT then sent me the missing  XXXX . In  XXXX  they did send the  XXXX  for tax year  XXXX  as it should have been.     In  XXXX   XXXX  I received IRS notice that I had not reported interest income from CIT Bank for tax year  XXXX , the second year I had failed to receive a  XXXX  form from CIT. This bill included {$860.00} plus {$38.00} interest. Included was {$430.00} penalty.     Predictably, CIT says they sent the  XXXX  so I suppose it is just my word against theirs. However, I received  XXXX  or more  XXXX  every year and because the CIT was for a CD and not a account with active transactions I did not miss not receiving it, or have reason to look for it. I simply did not receive it. Not receiving the  XXXX  from CIT for two straight years but never having had a problem with any other  XXXX  takes this beyond mere coincidence.
I 've been trying to get my free annual credit report from Trans Union for more than a month and still have not received it. I mailed in the form with recommended identification several weeks ago and made numerous attempts online without success. I have also complained directly on the Trans Union website during my last failed online attempt.
After a complaint to XXXX Mortgage about reporting my mortgage payments as late the mortgage company is now reporting that my mortgage loan account was modified. This reported information was and is not true. 

I applied for the mortgage assistance program in XXXX and was denied XXXX/XXXX/XXXX but In XXXX I again tried to apply for a loan modification that was denied on XXXX/XXXX/XXXX. 

There was nothing regarding any type of modification on my XXXX credit report or the XXXX report. The information is just now being reported by midland mortgage on my credit report after they had to do corrections regarding my payment dates In addition the {$70.00} from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX that I have been paying over the regular mortgage that midland had been charging back to me as a late fees has not been credited back to my account as additional principle or refunded back to me.
I am a XXXX representing a seller involved of the short sale of th their property. The second lien holder ( a member of the HAMP and HAFA ) program is refusing to approve acceptance of the short sale with the amount of {$12000.00}. afforded to them by the first lienholder in compliance with HAFA rules. Instead, they are using this as an opportunity to collect a debt for much more than that ( {$41000.00} ). 
I have written them and talked to them on several occasions and they have advised me that the loan has been charged off. In my point of view, they are in violation of HAFA guidelines.
XX/XX/XXXX : Contacted by XXXX XXXX asking me to trade my XXXX XXXX in for a new vehicle ; offered above market value. Went to dealership. Eventually referred to XXXX XXXX for the new vehicle. Assured my XXXX had required value to trade in. Leased a new XXXX at XXXX XXXX and traded in the XXXX. 
XX/XX/XXXX : Delays in receiving new XXXX, delays in receiving paperwork on new XXXX, payment statement for new XXXX arrived AFTER due date, financing company delays in receiving and processing the traded in XXXX. 
XX/XX/XXXX : Recd mailed Notice from XXXX XXXX XXXX  that the XXXX was repossessed. Called them and they said DISREGARD. Called XXXX XXXX and they said the same, apologized for delays. 
XX/XX/XXXX : Recd collections notice for balance due on XXXX. 
Since that time, we have written and communicated many times with both XXXX XXXX XXXX, the XXXX dealerships, and with the XXXX XXXX XXXX. XXXX and the finance company have each blamed the other for errors made, resulting in the balance due. Neither will take responsibility for it. 
It is our belief that XXXX XXXX knew what they were doing, caused the delays, and did not properly process our paperwork, trade-in payoff, or return of the traded-in vehicle. 
All documentation has been provided to all three credit reporting agencies which will confirm all of the above.
In XXXX 2007 I submitted a Fraud Affidavit as I my credit card had been either lost or stolen. Subsequently charges appeared on my account which I was n't made aware of until I received a letter from a Collection Agency. I contacted the company in writing on several occasions asking for proof that these charges were in fact mine because the credit card had n't been in my possession since that time. They continue to write me letters stating their position has not changed and that I am liable for these charges.
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX Account # XXXX Social Security No. : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
I 've asked this company to verify or provide paperwork of my payment history in which that refused to make my payment on time. This company sent and reported wrong information to the Three Credit reporting  bureaus. They reported that XXXX I had made no payment until XX/XX/XXXX, until XX/XX/XXXX and totally stop. This company use the MPN for 4yrs to their advantage ; then when the Promissory note came to expired they defaulted my account and sent it back to XXXX XXXX XXXX. This is breaking the law and abusing and using government funding.
On XXXX/XXXX/XXXX, I called because I noticed fraudulent charges pending on my prepaid gift card issued by U.S.Bank. I provided all of the information and they froze the card. They said I would need to call back in 3 weeks in order to dispute the charges. I called on XXXX/XXXX/XXXX to dispute the charges, as requested. I provided all of the information they requested in a fax to their dispute department. I called again on XXXX/XXXX/XXXX to confirm they had received everything that they needed as I had not heard anything back. I talked to a representative named XXXX, and he said that they did have everything, and to call back in 5 weeks to check on the status of the dispute. I called on XXXX/XXXX/XXXX to check status and was told everything was still pending and to call back in a week. On XXXX/XXXX/XXXX I called again and the representative said that all charges had been found in my favor and my refund of {$49.00} was being mailed to me at the address given, and to expect to see the card within 2-3 weeks. I called again on XXXX/XXXX/XXXX as I had not gotten my card and was told that the dispute was pending until XXXX/XXXX/XXXX! How was the dispute found in my favor on XXXX/XXXX/XXXX when it was supposedly pending until XXXX/XXXX/XXXX? U.S.Bank has very shady and deceptive practices on refunding customers for fraudulent charges, and I request that my replacement card be issued as the representative on XXXX/XXXX/XXXX said she requested immediately for the amount of the disputed transactions for {$49.00}
On XXXX/XXXX/16 about XXXX XXXX I went into Bank of America on XXXX XXXX XXXX XXXX XXXX, MD, XXXX to use the ATM machine and there were people ahead of me trying to use the ATM. A BOA employee of that branch walked pass us and walked into the banking area without speaking. After 20 minutes of waiting in line I was next to use the machine only to find out it was not working. I then began to knock on the main door of the bank to let the employees know inside the bank ( bank tellers were preparing for their day ) the ATM was not working and ignored me. I began to knock again and they all looked at me and turned their backs. The manager of the bank- a XXXX man came over to and started yelling at me through the glass door stating " we do n't maintain the ATM machines ''. '' I am only in charge of the inside of the bank ''. He was so nasty, rude and vile for no reason. He also began using hand gestures telling to leave and go to another BOA further up the street. 
I have been with this bank since I was XXXX years old and to be treated like this after all these years. There is no customer service or hospitality Just rude and nasty people. Good customer service starts with upper management and if he does not have any I doubt other workers will. They were just as bad and disrespectful as he was. 
A simple out of order sign would have solved the problem of multiple customers trying to use the ATM and figuring out it was not working. I got to work late because of this. 
I would recommend BOA to better train their employees on how to provide excellent customer service or hire new workers who actually want to work there.
Reference ID : XXXX I received an email stating my funds are available for withdrawal, but the system isn't allowing me to add a bank nor allowing to withdraw to credit card on file. Also system not allowing to withdraw By Check to primary address on file XXXX XXXX XXXX XXXX, XXXX XXXX, florida XXXX
XXXX XXXX did not comply with the Fair Credit Reporting Act, in regards to conducting a reasonable investigation of my dispute against an inaccurate item on my credit file.
<P/>
On XXXX XXXX, 2017 I obtained my annual free credit reports from XXXX. I noticed that XXXX XXXX had an account listed about me that is inaccurate. I did not authorize XXXX XXXX to report this account on my credit file. I called XXXX XXXX on or about XXXX XXXX, 2017 to ask them the deleted the account because it is incorrect. I was informed that they could not delete accounts from my credit file that only the credit bureaus could do that. I then contacted the three credit bureaus, XXXX, XXXX and XXXX via USPS Certified Registered Return Receipt to inform them of the inaccurate credit listing and to delete the account. All three credit bureaus wrote back to me stating that XXXX XXXX verified that the information about the account was accurate and that it would remain on my account. I am distressed that XXXX XXXX continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The account I am referring to is : XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.
I sublet an apartment in XXXX Oregon. I paid a deposit. I paid my rent.The job that I was in town for ended.I gave my notice to the landlord which was 30 days. The cash deposit that I paid to the landlord covered the remaining month. Fine. I have had negative reports to my credit.A company called the Atlas Financial is harassing me daily. This matter gets resolved then a month later another debt collection company springs up like mushrooms after a rain storm. I am really tired of being harassed. 

This is for an apartment that I lived in for a month and paid 3 months rent on. 

To make matters worse, the company that I rented from no longer owns the building. It seems to be owned by someone else.