WillisBack/dataset-financial-user-claim huggingface dataset:
( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.
I have attempted numerous times to get straight answers from Nationstar and the lawyer they hired to foreclose on me in WI. After a lot of research and after finally getting documents from Nationstar I was able to prove that it was Nationstar that filed a fraudulent assignment with the Register of Deeds and with the Court. Nationstar likes to say they just get their documents from the MERC system, but if you look at the proof I am providing you will see it was a Nationstar notary who signed the assignment and the assignment took place in XX/XX/XXXX when they were servicing the loan. An assignment to XXXX Bank as trustee could not have occurred in XX/XX/XXXX because this particular trust closed in XX/XX/XXXX. Also Nationstar owns agencies that have been sendng representatives to my home to " break-in '' even when they do not have any legal right to be on my property. They claim that they determined my property was abandoned based on fraudulent information. Nationstar said they were taking my complaint seriously, but they never followed up and recently sent yet another person to my home, who came to my home at XXXX and he attempted to break-in until my dogs started barking. I am attaching all of my proof and I am contemplating filing a federal lawsuit against them. Any assistance you can provide is greatly appreciated. Please see attachments for further explanation.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX  have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized
I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and XXXX XXXX Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.
My Mortgage Company Is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX NMLS ID : XXXX XXXX I have made every payment. The Mortgage company failed to pay my town property taxes out of the escrow account that were due XX/XX/XXXX. I was notified by the town on XX/XX/XXXX that the taxes had not been paid and that they intended to put a lien on my house for non-payment of taxes. I immediately notified Freedom Mortgage and followed up several times, but they failed and refused to pay the taxes. 

On XX/XX/XXXX I paid the taxes, interest and penalties in the total amount of {$4900.00}. I have called and emailed Freedom Mortgage numerous times but they have failed and refused to reimburse me for the tax, interest and penalties I had to pay because they failed to do so. All they will tell me when I call is " we have a ticket open. '' I could not afford to pay this {$4900.00} and to make it worse, I still had to come up with my regular mortgage payment on XX/XX/XXXX. This is a serious financial hardship. 

Please help and take all possible regulatory actions against XXXX XXXX XXXX.
Ocwen purchased my loan and attempted to shorten my contractual grace period from 15 days to 10 days until I sent them a copy of the mortgage document. Every single month Ocwen asks me to register my computer, which their website ca n't seem to store. When I attempted to pay last month 's payment online through their website, I was forced to verify my email. My email has not changed in over 10 years, since before the intitation of this loan. When I attempted to complete the transaction, I received an error message including 'please try again later ' This went on until I could no longer pay through the website within the grace period. I initiated a bank payment, which I am fully aware is transmitted within 24 hours, yet Ocwen did not credit it as received until the grace period expired. I am sick of their fraudulent activities in attempting to violate grace periods and extort undue payments from consumers by manipulating the website code. There are XXXX 's of online complaints about their practices!
I signed up to have my Social Security check deposited onto the Direct Express card with my first deposit on XXXX XXXX 2015. I had received no card in the mail and on XX/XX/XXXX called them and found out that my information had been used fraudulently. Someone had ordered a card and it was caught shortly after by their fraud dept and cancelled and my account frozen. They never contacted me and admitted that they were at fault for not doing so. I was told I needed to go the Social Security office and file an MOU. I did, and was helped by XXXX XXXX who contacted Direct Express. She spoke with XXXX who agreed to send me a new card via XXXX expedited and that I would n't be charged for the shipping. I was told to call them back later that day and answer the security questions again to remove the freeze. I had already done the questions two times earlier that day and passed but did it again when I got home. I did get the card in two days and was able to pay my bills however, I was charged the shipping. I called back on XXXX XXXX and was told they were requesting a refund. As of today, it was not posted. I called again and was told that they had called me and I answered but hung up therefore they closed the ticket and I would n't receive the refund. That is a lie. If they had called me I would not have hung up. It is possible that a call came through where they were completely silent and I hung up after saying Hello, Hello with no response. I do n't remember that happening in past week but it 's possible. But, why would that cancel my refund for something that was never to be charged in the first place? Preposterous! I asked to speak to a supervisor and she told me I was wasting her time and being argumentative. I asked to speak to someone above her, she said NO. I asked to file an official complaint, she said NO. She was the antithesis of helpful. There are no other avenues for me to file a complaint. I have found out since XX/XX/XXXX, that there are a huge number of people who have had the exact same thing happen. Online, there are XXXX complaints of people having their information stolen, cards requested fraudulently and the maddening response from Direct Express who seem to find glee in treating us terribly. They never gave me a concrete answer if they were going to investigate the criminals who were attempting to steal my identity and money. From the number and similarity of stories of people just like me along with the comments from Social Security that this card has had a massive surge in fraud complaints, I think a thorough investigation of Direct Express needs to be done as there seems to be a high probability of an inside job. I also want a refund of the shipping charges. I also want to know what is being done to find the perpetrators of my fraud. I told them multiple times that the phone number and email address they had on file for me prior to XXXX XXXX belonged to the criminals. I verified my information and passed all security tests several times. This entire situation is beyond a nightmare!
General Service Bureau sent a collection letter with an amount owed by myself. An additional letter was also sent to my spouse who is not on my account. He is only listed as an emergency contact. 

The General Service Bureau sent the same collection letter addressed only to my husband with the same collection amount. In addition, to sending this letter they also called to speak with him about this debt. Once again, he is not on my health insurance account - nor is he provided access to my health bill information. I have copies of both letters that show XXXX letter is addressed to me for {$190.00}, account # XXXX. The other letter is addressed only to him for {$190.00}, account # XXXX. This is a predatory collection practice that should not be allowed by any collection agency. In addition, sending a collection letter to an unrelated party is illegal. If the procedure or hospital visit I was seen for was not to be disclosed to my spouse this letter could cause a potentially damaging situation.
In Late XXXX, I learned via email that my Victoria 's Secret credit card was closed. I called to dispute the reason for closing and was advised by a Supervisor that the account closed appropriately and there was nothing I can do. The issue that brings this dispute followed later, I received a letter from Commenity Bank, the Bank for Victoria 's Secret credi accounts. The letter states " We are responding to your request for a credit line increase. We obtained and reviewed your credit report and unfortunately because of your credit performance we are unwilling to increase your limit at this time. '' Well here is the major issue, I DID NOT request a credit increase on this closed account and furthermore DID NOT give permission for anyone to do so. After speaking with that Supervisor in late XXXX, I was NOT given any inclination that an attempt to review or restore the account was going to take place. Federal law requires a creditor/merchant/lendor to obtain consent prior to obtaining a hard credit inquiry for determination on extending credit.
I have requested verification of a loan reflected on my credit report by XXXX. The dispute results come back verified, but the letter sent from XXXX states " We have received the material requesting to validate your debt. Unfortunately, XXXX XXXX XXXX does not service the education loan you referenced in your dispute. Therefore, we are unable to assist with this request. Please contact your current education loan servicer, XXXX, with the information provided ''. 

If they are unable to provide verification to me, how are they still able to report the account to the consumer reporting agency under the name and account number listed on the report and not provide verification. I have contacted XXXX and they advised me to contact XXXX
This data aggregator has collected source data from a county government indicating that I had pled guilt to 3 Felony Convictions ; Possession of Controlled Substance in XXXX XXXX County on XX/XX/2014. This is not me. The DOB that this provider used and is using as the data provided to their customers is XX/XX/XXXX - XX/XX/XXXX. It is therefore not specific to me. They also used a subset of my name to not include full middle name or proper suffix. I was turned down for a lease because of this inaccurate and defamatory information. I also believe that has crept into credit reports under a category of Derogatory Personal Information. This then propagates into every credit union and other organizations ( ie, employers ). These people must be more rigorous and be punished for these inaccuracies. There 'website ' offers no way to complain to them and no address to correspond with them. Hole in the wall aggregator of inaccuracies harming thousands of consumers. I want them penalized. I want them to clean up their act or withdrawing from this service business.
I sent several letter for L J Ross Associates to validate the date because I never had a XXXX, they sent me a final bill with an address that I never lived at, I then sent correspondence to them asking them to let me know when it was opened and when it was closed and explaining to them that the account was not mine, they never responded after that and the are still reporting on my credit report as well as sending updates to the credit bureau, How can they verify and send updates to the credit bureau but fail to respond to my correspondence.
US Bank continues to honor fraudulent money orders and will not close our business account. Our office was broken into twice, checks and money orders were stolen, the money orders were already cashed using US Banks product Single Point Scanning system where checks and money orders are scanned into their system rather than doing a manual deposit at a local bank. I have written US Bank a XXXX page letter asking them to stop honoring the fraudulent money orders and they tell me that they have to continue to honor them because they are US Postal money orders which requires them to honor the money orders even though they know they are fraudulent. There have been XXXX arrests in this case due to my due diligence in investigating the break in and finding the suspects. I am working with our local postal inspector, and Sheriff Department as well as local police. One of the suspects was arrested in XXXX, and I have been asked to appear in XXXX in XXXX to give a victim statement at the sentencing hearing. The other XXXX suspects court appearances are being scheduled and I am required to be present there as well. I will be happy to send you all the documents related to this fraud case, including the letter I wrote to US Bank and the response I got from US Bank. I was told by my US Bank representative that this was unprecedented and that the bank does not know how to handle this issue, so they decided to fall back on normal bank rules and regulations rather than work to correct this issue. My insurance company is completely stumped and can not understand why a bank would continue to honor what they know are fraudulent money orders and are considering not paying the claim because there is a continuous stream of money orders coming in weekly. US Bank told me that once the account is 30 days past due they will close the account and no more would be honored, so I thought it was over and my insurance company would then pay the claim, but without warning US Bank took money out of our other account to balance out and continue to honor the fraudulent money orders. So now I am back to square one, watching the money stack up and I ca n't do anything about it, my insurance company has hired an independent investigator to look into this issue and the bank is being uncooperative with him, he just wants to find out why and maybe the insurance company will then honor the claim. This is a very long and painful problem and I do n't know what to do at this point. If the bank wo n't give me the money back, and the insurance company ca n't pay because of the bank 's actions I may have to close my business because there is no way I can pay $ XXXX back. I need help.
Payday Loan LLC did not credit my payment to my account and now they are reporting it as charged off on my credit report. As a XXXX XXXX who would like to be able to purchase a home, this mark is hurting my credit and my ability to access my XXXX 's benefits. Repaying with a cash payment is apparently a way that they can fraud people! I would not allow {$310.00} to ruin my chances at buying a home.
Ocwen has reported me late on a couple of my mortgages on XXXX different occasions, yet I made every single payment. The problem stems from them changing the amounts due. I have my XXXX mortgages, a XXXX, and a full-time job to run, and as such I receive upwards of XXXX pieces of relevant mail every month, so reconciling each and every figure against my automated bill-pay amounts, will occasionally result in incorrect amounts. This is NOT the same as missing a payment. In all bad reporting situations, my payments were more than sufficient to cover the due interest and principal, but there was a shortage on the escrow payment. Escrow payments are projected estimates. When Ocwen overestimates the escrow, they send me a check at the end of the year, without interest. When I underpay my escrow, they report to the credit bureaus that I MISSED a payment altogether! How is this justified that they can overcharge escrow, but when I miss a fractional amount of an escrow payment, they can penalize me like I 'm completely irresponsible and destroy my credit?? I 've appealed to them but they respond with robotic zeal and refuse to accommodate me. Other banks send ebills to my bank so the payments adjust automatically ; and if you miss a payment with any other lender, they give you a courtesy call to make you aware of the change in payment amount. Not Ocwen, they have nothing but paper bills ( what century is this?? ), and if you 're XXXX cents below the amount, they just destroy your credit with not a warning whatsoever. Because of this company, my credit remains damaged to the point that I can not refinance, causing me to spiral out of control in my debt as the ARMs adjust. Ocwen will put me into bankruptcy because I was short a few dollars on my escrow payment! Please help me end this bludgeoning.
I refinanced my primary residence under HARP in XXXX 2012. My loan was with Bank Of America. I was underwater more than 125 %. I was coerced into getting the refinance loan from bank Of America. XXXX XXXX was the loan officer at BOA. I was constantly told that only BOA is allowed to refinance as I am underwater 125 %. And, they gave me a very high rate. When the market rate was 3.5 % I was offered over 4.5 %. I had no option but to pay more than 1 % point fees to get 4 % rate to reduce my monthly payment. During the whole process I was told to hurry because the program will end soon. I felt like cheated. I wrote to XXXX back in XXXX 2012 about my concern and she never responded. I wanted to file a complain in XXXX but got too busy with my life.
Paid portion of bill to Balanced Healthcare Receivables on XX/XX/18. Was promised an email as a receipt, as well as a email with website to continue payments and stop phone calls.. Never received receipt or website emails and less than a eek later received another call trying to collect the debt. The person spoke, got my info and hung up on me. Called back asking why I was receiving calls less than a week later and was told it was a glitch that they could see I paid 6 days ago online ( which was false as I paid on the phone ) and the lady kept saying it was a glitch and was a harrassing call
I was denied a lower interest rate based on a " credit score '' provided by Equifax. I received a copy of my full credit report from that agency but can find nowhere in that document that states a " score. '' I have been unable to obtain any information from Equifax about how that come up with this number. I have received credit scores through to other credit reporting services ( XXXX XXXX and XXXX XXXX ),  supposedly reported by Equifax, of XXXX and XXXX respectively. The credit score Equifax reported to my bank was XXXX. This lower score is causing me to pay a 2 % higher interest rate on my loan. I need to get Equifax to correct the score reported to my bank in order to receive the lower rate. I have found it impossible to communicate with Equifax if your situation does not fit into one of their pre-selected categories.
Schwab bank closed my Schwab Bank High Yield Investor Checking Account. I opened the account and was told to wait for my wife to become a joint owner of the account prior to depositing money into the account because this will affect how the debit cards are issued. My account was closed by Schwab. They claim they sent me letter, but I did not receive them.
Discover Card has inaccurately reported to XXXX, XXXX, and XXXX Credit agencies that I had a late credit card payment XX/XX/2016. This is not accurate. After speaking with Discover card on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted Discover they have informed me they have sent multiple off-cycle updates to the Credit Reporting Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either Discover Card is not responding to the disputes or they are providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and Discover was contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not. This is black and white, I do not have a late payment in XX/XX/XXXX yet they are reporting it late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP.
There are numerous accounts in my credit file that are misleading by labeling information as " charged off '' and others that include past due amounts when in fact they were in XXXX. Such a designation would be inaccurate because it would indicate that this account a responsibility to the debt and the creditor had written off the account at the time of bankruptcy when it had not.