WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XXXX, my former husband and I purchased a house together. At some point, the mortgage was transferred to Bank of America. In XXXX, we went through a non-contested divorce, and he agreed and the court confirmed that he would assume responsibility for the mortgage. At the time of the divorce, I contacted Bank of America and requested separation paperwork which I filled out, signed and submitted. Evidently, my former husband did not fill out his portion of the paperwork. I followed up with him and was made to understand that my name was off the mortgage. A few months ago, I signed up for online banking through Bank of America, because my XXXX rewards card had been transferred to them. I discovered the mortgage was still listed in my name as well as his. I contacted my former husband and he told me he was working on refinancing the house. I also called the mortgage division of Bank of America and asked what I needed to do to get my name of the mortgage. I was treated in a very rude and condescending way. The representative said, " I do n't care what the court says. It does n't matter ... .You are responsible for the loan! '' My ex-husband assured me that the refinancing process was underway. Then a few days ago, I received an email from Bank of America indicating that I was in danger of defaulting on the loan and threatening that my credit rating was in danger. I again contacted Bank of America and explained the situation. While this representative was a bit kinder, she again said that it was up to me to cover the loan or that the activity would be turned over to the credit agencies. I contacted my ex-husband and it turned out that as part of the refinancing process ... two payments had been made on the final mortgage payment to Bank of America and they had applied both to the principal instead of to the payment. So it was their own mistake which resulted in the call and the contact. Their choices resulted in a huge degree of stress and fear for me. And they blamed me for it. Fortunately, the refinancing is complete and the account will be closed in two days. But their insensitivity and lack of coordination resulted in a great deal of anxiety for me. I pity former spouses who do not have good relationships with their ex husbands and ex wives. I 'm not sure why court orders do not apply to financial institutions or what measures divorced people must go to to enforce those decisions, but I am very unhappy with the way I was treated by Bank of America.
IQ Data International, Inc deliberately added a collection account of {$5100.00} on XX/XX/2017. The company will not verify the debt nor any information about the debt. Rather it engages in phone harassment by using auto-dial robots that immediately hang up once the person answers the phone. IQ Data International deliberately uses auto dialing robots to skirt Fair Debt Collection Practice Laws so no one will track down its customer service representatives and hold the company liable. 

IQ Data International has a bad reputation within the business community and among consumers. According to the XXXX XXXX XXXX there are currently five complaints about the billing and debt collections practices of IQ Data International ( XXXX XXXX  XXXX ). Additional websites, including those from attorneys, address the problematic nature of IQ Data International. Therefore, I'm cautious about negotiating any consumer debt with a company with negative reputation of hostility towards consumers.
I built a house in XXXX when the house was finshed I received a mortgage with XXXX XXXX Bank which sold my loan to Washington Mutual. Which filed for bankruptcy I 'm not sure of the date of the bankruptcy filing but at XXXX/XXXX/XXXX my balance on my mortgage was XXXX. Not sure of the date but Washington Mutual was ether sold or given to Chase on XXXX/XXXX/XXXX the balance on our mortgage was XXXX do n't know the exact dates we have been told are home is going to be forclosed on sold on the steps of the steps of the court house for not paying are taxe 's all the time we had over {$12000.00} in our escrow account.On appox. XXXX XXXX Chase sold our mortgage to XXXX with a balance of XXXX on XXXX/XXXX/XXXX they gave us a loan modification 4.25 % for 40 years I would be XXXX and my wife would be XXXX XXXX XXXX. We went to our local bank were we have been banking for over 20 years were given a very good loan at 5.5 % for 15 years XXXX said our payoff on our mortgage was XXXX. I been paying on this loan for 20 years and owe more on it then when I frist took it out.
US Bank sent notification in their XX/XX/XXXX statement that a $ XXXX monthly fee would apply beginning XX/XX/XXXX. I could avoid this charge if I maintained a {$300.00} minimum daily ledger balance. 
On XX/XX/XXXX, I deposited funds to bring my balance to {$310.00}. Therefore, my minimum daily ledger balance since XX/XX/XXXX was over {$300.00}. 
They took the {$4.00} service charge anyway on XX/XX/XXXX, stating that the minimum balance was {$260.00}, which was the minimum balance prior to XX/XX/XXXX. 
If the minimum daily balance requirement applied beginning at the start of my statement period ( XX/XX/XXXX ), it should have been stated as such. 

The {$4.00} is not the issue - if they did this to me, they did it to thousands of other consumers. The {$4.00} may be a bigger issue for them, and they may not have the wherewithal to fight it.
I have a loan that is to be paid back in monthly installments, however I am unable to take care of it right this minute and the employee continues to come to my home on a daily basis and call me twice a day.
In  XXXX   XXXX , I was rear-ended. Following the accident, I seeked medical attention from a  XXXX  in  XXXX   XXXX , CA. The name of the  XXXX  facility was  XXXX   XXXX   XXXX . I only received an   XXXX   XXXX   and  XXXX  in  XXXX  appointment. I had filled out the necessary paperwork as this was on a medical lien, due to pending litigation. The lawsuit is still pending, therefore, should still be on a medical lien.     The collection agency FIDELITY CREDITOR  SERVICE, INC. list ed on my credit report as an open collection has not contacted me nor made any efforts to validate this debt. I have attempted to contact this creditor to resolve this matter, yet the information for the creditor is not valid on my credit report. The creditor also does not have an active business license in the state of California, where they are listed to be conducting business. The amount of the collection as of  XXXX   XXXX ,  2017  is {$200.00} I have been unable to resolve this matter on my own and even with efforts of small claims suit, have been unable to ser  ve this creditor due to inaccurate information.
I do believe that a rule of the FCRA requires that creditors have up to date contact information so that debtors may be   able to resolve their debt.     I appreciate your assistance in this matter,  XXXX   XXXX
TransUnion is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please remove it from my credit report. Both XXXX XXXX XXXX credit cards accounts are being report inaccurate.
I contacted my ( bank ) USAA on several occasions during late XX/XX/XXXX and early XX/XX/XXXX regarding the issue identified below concerning my government card payments being returned as NSF : M XXXX XXXX credit card account was closed due to two returned ACH payments during XX/XX/XXXX, payments I initiated via online and USAA returned as NSF. 

Upon receiving notification from USAA Bank of the returned payments I contacted USAA to ascertain why my payments were returned and unfortunately, I did not receive a prompt explanation of the issue ( s ) that caused this action. 

After further communications with USAA regarding the returned ACH request for payments, they refunded the four NSF fees associated with the ACH requests I initiated, as each online check request was presented twice. I also requested USAA provide verification of the NSF payments as errors and they informed me that they have no formal verification template form or process that would meet XXXX requirements, but would provide a transaction history that shows the NSF activity and return of NSF fees. 

To maintain a XXXX XXXX XXXX XXXX, there can be no more than two retuned payments within a 12 month period and in this case there were four within one month albeit, the same two ACH payments accounting for 4 NSFs.
The company has mailed a letter to my employer for wage garnishment, without offering lower payment plans. Via the mail or email. Or even lower payments
Received a bill addressed to somebody else 's first and middle names, and my last name. Clearly not my bill.
Ocwen has made many mistakes. 
Last one was including a borrower that wasn't on the loan.

Ocwen has started foreclosure proceedings and endangering the household.

With the foreclosure filed strangers drive by all hours of the night especially while homeowner works at night.

Ocwen keeps delaying saying that they haven't received my filed personal taxes when in fact in their own email they say they have received them With that delay Ocwen won't review the complete package and submit for a loan modification so we can keep our family home and get rid of the foreclosure.

I am ready to make a mortgage modified payment.
I have a medical debt listed on my credit reports as of XX/XX/XXXX.
I do believe that this medical bill was paid by my health insurance which I have had prior to this time.
As of XX/XX/XXXX, theres a 180-day waiting period before unpaid medical debts can show up on peoples credit reports.
This debt was placed on my credit report as of XX/XX/XXXX. I was never informed or sent a bill by the hospital of a pending medical bill no less in the amount of XXXX. 
I have never received any information or a verification of this debt. 
I am living on XXXX and if this debt was verified I would have made an arrangement to pay it. As a person living on XXXX my life depends on my credit.
XXXX collection agency put this on my credit. I told them it was not mine and to remove it and they did. They sold to a XXXX collection agency who put it back on my credit, who is telling me that I have to dispute with credit bureaus. The debt is my wife 's and hers alone. They said she had XXXX ss numbers and that 's how it went on my credit.
Transunion is using the term investigate but fail to provide their procedures of investigation. You clearly stated that you open up a dispute and give the reporter/creditor a chance to respond with the same information that was submitted initially to put the debt on my credit is NOT an investigation. I requested and affidavit by a representative of the court, for you TRANSUNION to provide the investigation report that was used to validate the debt that is staying on the credit report since you are the liable reporter/gatekeeper. Again, please state what information is requested from the creditor to validate the debt for you to classify and use the word investigation. Do we need to handle this in XXXX court?
Blitt and Gaines is acting as a debt collection agency. And is not licensed for it in the state of Illinois. Which it is required to be licensed if you are collecting directly or indirectly under the Illinois Collection Agency Act. 

I realize that there is an exception to the law, if it is a law firm. But the requirement for this, is that the the law firm must practice other area 's of law as well. And this is not the case with Blitt and Gaines.  They are 100 % a debt collection agency. 

They refer to themselves in emails and letters as debt collectors. If you visit their website and click " contact us '', they state they are debt collectors. They have job postings for call centers, only to collect debts. No other law firm does this. 

100 % percent of their cases in XXXX, IL are debt collection cases. Over 300 cases! And if you check other cities in Illinois you will find the same thing. 

If they refer to themselves as debt collectors and 100 % of their cases are debt collections. Than they are a debt collection agency. And need to be licensed. 

I also have evidence that they will refuse to take another form of law from a client, since its not a debt collection case. And the type of law, is listed on their website, as an area of practice. Just email me your fax number, and I can fax it to you. 

They claim to practice Commercial Real Estate litigation on their website. When contacted, they will not take a case for that matter. 

They will only accept debt collection cases.
These items reported by XXXX Account Number XXXX and XXXX Credit Card was Discharge in Bankruptcy Case No. XXXX XXXX, XXXX, NM XXXX is Inaccurate or incomplete. Because it is reporting to Experian Credit Agency as open and Charge off which are inaccurate or incomplete and because it was discharged on XXXX XXXX, XXXX. I am requesting that the item be updated and show close and not open to correct the information. 

I received a response from XXXX dated XXXX XXXX, XXXX there Case numbers XXXX anf XXXX stating they are refusing to report these accounts as close, thereby making my credit report after bankruptcy appear that I have a bad payment history. These action on XXXX is lowering my credit Score.
I went to a Chase Bank on XX/XX/XXXX to open up an account and was told that someone had previously opened an account using my social security number on my XXXX birthday. ( I do not have an account with this bank ) On XX/XX/XXXX, I was told by numerous people at Chase that I needed to file a claim before anything could be done, which included providing proof of my social and filing a police report. On XX/XX/XXXX, I filed a police report and returned back to Chase Bank with all of the completed requirements in order to file my claim. When I returned to Chase, I was told that there was no record of my social being in their system and that obviously the claim had been taken care of. How could the claim have been taken care of if I hadnt even filed one in the first place? And how is there no history record of my information being in their system for almost 20 years? I received a letter in the mail today from Chase stating that my claim filed on XX/XX/XXXX has been taken care of. I never filed a claim on XX/XX/XXXX. I am also being told that no information will be given by chase Bank to the police regarding the theft of my social. Its a little strange to me that for almost 20 years my social has been on an account and no one notices anything until I start looking into it, and once I do all of a sudden the information is wiped from their system and theres no record of it? I find that extremely hard to believe and the fact that I continue to be dismissed by Chase makes me think that theyre trying to cover something up. I really need help getting to the bottom of this so any assistance would be greatly appreciated. Thank you! 

XXXX XXXX
i called arcadia recovery on monday XX/XX/XXXX at approx XXXX and spoke with a female agent who disclosed that the payment i sent in for {$250.00} was just processed on the day of my phone call. on wednesday at approx XXXX i was contacted by a male agent did n't get his name, he made numerous mentions to speaking with me prior to his call that I do not recall being he had a distinct sounding voice. I mentioned to him that I had just verified the debt being paid in full and all of a suddewn this male agent was calling regarding an additional charge of {$100.00} dollars being owed from XX/XX/XXXX. I requested a full transcript of the accounts that they ( Arcadia ) have regarding my ssn # that needs to be paid. This harrassment needs to be regulated and stopped, i 'm making amicable attempts to resolve these matters as best possible with the resources at my disposal.
around  XXXX , I had a mortga ge with wells Fargo, th e property address is  XXXX   XXXX   XXXX   XXXX , in  XXXX  I lost my job I had difficulty to make payment on time and I had tried to work with the company to keep my house after 15 years occupying it, they refused and they make to me a short sale telling me they would forgive all the difference that they would sell the house for, and I had no other choice than to accept it, while the short sale that they offered me in process, they filed a foreclosure which I fought to get the short sale though, on  XXXX   XXXX ,  XXXX , the process was done and went though, after that, because I no longer had the house, I went to the Post  Office and bought a mailbox, just after I did that, Wells Fargo sent me a letter telling me that they saw I changed my address so they will update my address for my account, so I called them reminding them   that I no longer had any business with them, they told me that it was a mistake on their part, after a while, I went overseas and I forgot to pay my mailbox before I left, so when I returned, the Post Office already sold my mailbox and gave another box number, once they found out that my mailbox number changed, they sent a  letter telling me the same thing, and I called them again, they told me it was a mistake, so I forgot everything, not too long ago, this time, I received a an email from them telling me due to the security, they wanted me to update my informations regarding my mortgage, and called them, they told me again that was a mistake, so I have gone too much with this matter, and lately I saw on the news that they had opened accounts on people name without their knowledge, this is raison why I am filing this complaint, thank you very much
Someone wrote a bad check in my father 's name to a company called XXXX XXXX XXXX. By me being a " XXXX '' the company reported the discrepancy on my credit. I DO N'T DRIVE!! I do n't even have a car. I talked to the reporting company but they wo n't do anything to help me. How can I get this resolved? I 'm in the process of repairing my credit. I know I have debts that are my doings but this is not one of them. Thank you.
I have filed a dispute with Equifax, XXXX, & XXXX about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.
Transunion has XXXX XXXX XXXX XXXX showing in which there is no money owed on this account. 

This account has been paid and XXXX XXXX XXXX XXXX owes me money back. 

This account was over paid and have filed with the FTC & CFPB I have enclosed documents showing the money paid as well as the incorrect information that Transunion has on file.
I have been disputing a Bankruptcy on my credit report i have written to the bureau for the past 3 years i call them on the phone 2 dozen times i wrote to the Northern district Court about a Bankruptcy that both XXXX and Equifax have been reporting in Accurately on my Bureau the court sent me a letter indicating that they DID NOT AND DO NOT report to any Credit Bureaus i sent these letters to the Bureaus and they say that they have verify this as a accurate item reported by the court so I went to the Northern District court with my ID and they said to me that we don't have a BANKRUPTCY in my name they then told me that the Bureau gets this information from XXXX XXXX i contacted them by phone and in writing they have never responded by phone or mail so i sent a letter to the Bureau explaining that they show me their Method of Verification they responded that the info was verified by XXXX XXXX i asked them then why isn't XXXX XXXX showing on my credit report they said that i should contact them bottom line is they don't give a XXXX about me and my credit and how this effects my life so i have spoken with a attorney he said that i should fit a complaint with you so i am complain that these Bureaus are ignoring the Fair Credit act and have no fear of your organization the attorney general or the federal Trade commission so I am asking for your help in this matter if they have verified this then i have a right to know who they verified this information with NAME EMAIL PHONE NUMBER etc.
Equifax- On or aboutXX/XX/XXXX I called Equifax after receiving my credit report. There are inquiries that i din not give my consent for. I asked them to remove the fraudulent inquiries and they refused. This is negatively impacting my credit score. They are as followed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
I started an XXXX degree at XXXX XXXX College was advised tuition would be XXXX well XXXX were covered by federal student loans. Then they proceeded with stating i can pay XXXX cash up front or i can take out a personal loan through them. Well i started school in XXXX 2015 got the personal loan ( so they claimed ) through tuition options well little did they explain or let me know this company was an accounting type service for the college and that they would be receiving all payments made to this company. My payments during school was {$200.00} a month. Well 5 months in XXXX XXXX 2015 we as students received an EMAIL from the school 's CEO stating the school would close it 's doors as of that day with no notice or warning at all. I paid them {$1000.00} since i started school out of pocket. I have not completed my education as i was promised when i signed up with the school. This company has failed their contract between the students and them. We do n't know if we can get a loan forgiveness or if our credits will even transfer to other schools. When contacting tuition options they do not have answers for students.
Equifax is reporting information that is not my account And I am not responsible for. Its reporting XXXX XXXX XXXX system account # XXXX as my account witch is false information and did not properly verfied the account before putting it in my credit report I have the proper documents showing this belong to someone else and not me.
My loan reached maturity in XX/XX/2018 with a balance still remaining. There is still a little over {$7000.00} owing on the mortgage. I have attempted to contact XXXX  and have been told that I do not have any options other than to pay the entire remaining balance. I can not afford to pay over {$7000.00} at one time.
Citibank has been robocalling me at least once a day for the past month or so from XXXX. Instructions tell me to check my accounts on line ( but they do n't indicatecate what I am " checking '' for ). ( I did review my accounts at the web address they provided and all my Citibank accounts are current. ) The other option is to call them at XXXX because they " always love talking to customers. '' I did a XXXX search and found that Citibank has been harassing thousands of their customers with these ongoing robocalls. 
What can I do so stop these robocalls?
My credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO report shows that I 've made 100 % of my payments on time in the last 24 months.
On XXXX XXXX, 2017, I sent a wire to GDAX for {$5000.00} USD to be deposited into my GDAX wallet. They were not able to apply this wire to my account due to a name mismatch. Coinbase then emailed me saying to allow up to 7 business days for the funds to be returned and that if it took any longer than that to contact their wire support team through email. After seven business days I sent an email and received no response. Now its been ten business days since I originally tried to send the wire and I still have not received the funds.