WillisBack/dataset-financial-user-claim huggingface dataset:
I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a plumber? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track XXXX.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted XXXX the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via staples, was defuncted and took new capital investors to maked good, but only ater lost of service.. we bought ddition protection thru nh mall XXXX store XXXX this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX in XXXX XXXX CSR for XXXX knew and promised corrective action ... we got bill saying it was pas due on exac same day to our XXXX XXXX a collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou XXXX XXXX
I applied the wiretransfer by XXXX from US to another proper account in XXXX, but the destination bank refuse to accept the transfer because I did just state my first name ony but not first and second name. 
I was trying to call the wiretransfer of the bank and also the branch I have the account but just long time waiting. I had tried so many times but just waiting on the commuter. 
Now I am traveling in another country so I can not go to the branch personally. 
The amount is already debt in my origin acc but I cant receive it by the destination bank. 
I need to amend the beneficiarys name or ask to refund the amount to my acc. asap.
I have brought  to Wells Fargo attenti on a fraudulent act that is on my loan. I am the owner of the property and  XXXX   XXXX  was also a named person on the deed. After I filed a compla int, Wells Fargo issue d a new loan number and informed me that nothing had changed from the old loan to the new loan. I have requested proof of all the closing documentation, warranty deed, deed of lot  XXXX  and lot  XXXX  that was used as collateral on Loan number  XXXX . All correspondence from  XXXX   XXXX  regarding my loa n. Wells Fargo is g iving the new loan information to others without my permission. I am concerned because  XXXX   XXXX  said  XXXX   XXXX  is dead. In the event of my untimely death due to corruption with my property the  XXXX  County property tax department shows that my property is in the name of  XXXX   XXXX   XXXX  which  XXXX   XXXX  is aware. I have faxed proof of other clients who says  XXXX  and Company is corrupt but  Wells Fargo b ut I have reason to believe that  XXXX   XXXX  have been speaking with  XXXX  attorney against me. Wells Fargo says the property belong to  XXXX  which is corruption and extortion. This is fraud. Escrow is being attached to my loan with vendors I have not signed or authorized to escrow my loan. If I try and get insurance on my loan I can not because  XXXX  County have the property in someone else 's name and  Wells Fargo  ignores. I am the second position on my property.  XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX .  XXXX   XXXX   XXXX
Capital One does not want to provide information regarding my account. I understand they could not provide the info due to a recent identity theft that happened to me. They are requesting for me to provide documentation to prove my identity. I provided documentation but Capital One is saying the documents does not match the address they have on file for me. The address they have for me is " XXXX XXXX, CA '' which is for a closed account I had with them before. I applied for a new credit card last year with capital one using my XXXX XXXX address. I have called them numerous times and will not help me until I provide documentation with my " XXXX XXXX, CA '' address. I have not lived in XXXX XXXX for over 10 years.
I received my credit report and notice debt from this agency on XX/XX/XXXX. In XX/XX/XXXX, I wrote a letter and sent it certified mail asking for proof that this was my debt and where I owed the company. The company failed to respond sending the information I requested. In XX/XX/XXXX the company had yet to respond so I sent another certified letter requesting this information to be validated and since it could not be validated to be removed from my credit report. The company will not respond to any of my requests nor follow up and the debt is in the amount of {$150.00} from XXXX XXXX XXXX from XX/XX/XXXX. 1. This balance was paid in full by my insurance company before XXXX XXXX XXXX closed. 2. The hospital was purchase by XXXX XXXX and they did not update my account information to show paid in full. 3. All of a sudden no one can find my bill nor services from that date in XX/XX/XXXX. 4. This company wrote me out a hand bill physically which does not prove anything.
On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. 

Experian needs to report this account as settled, closed and remove the comment about it being in dispute.
I am a victim of identity theft. The following credit hard inquiries on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX, XX/XX/2018. The following collection account is fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX, XXXX.
I made a payment agreement around XXXX 2014 with Allied Interstate about a non-federal private student loan that I am in default. Last month due to hardship I requested a month off payments. After that period they started attempting to call me. I requested not to be called since they always interrupt me while working. They debited my bank account already, thus resuming payments, yet they continue to call non-stop demanding to give me an update. Now they are harassing my domestic partner by phone XXXX XXXX asking her personal questions about our relationship. They have no reason to call since payments are being currently made. I do not wish to talk to them.
I was called by a man who would not give me any information but told me he would be showing up at my house in 30 minutes to handle my " incident '' I asked him for more info and he would not do anything but gave me a phone number. Then he tried to get me to confirm personal info and I refused. He called me XXXX XXXX and said he would see me soon and hung up. I called the number and they again refused to give me a website or mail me a letter. They wanted my bank info over the phone. When I refused they told me.I had 30 minutes before someone would be showing up at my house. 
The man continued to call me every 15 minutes for 2 hours until I called the police. I was locked inside my house for 2 hours with my baby terrified some XXXX person was about to show up and I did n't even know why.
Over  one  year ago I began receiving voice mails from a company identifying themselves as  XXXX   XXXX   XXXX .  XXXX  day I was home when they called and I answered their call. A very rude young man claimed that I owed his company for shoes that I ordered but never paid for. I told him I had never heard of Mason until they started leaving messages on my answering machine and I had certainly never ordered shoes from them. The young man persisted and I told him that " this is a scam '' and I hung up on him.     The voice mails persisted, and some time later I was again home to answer their call. I nice young woman was on the line to whom I again explained that I did not order shoes from her company. After hearing my story she agreed that someone else must have used some of my personal information to order shoes, because the shoes were not shipped to my address. She offered to send me a " fraud '' package to fill out, disputing the claim so that  XXXX  could clear their records. I received the paperwork, filled it out and mailed it to  XXXX .     I few months later, I again started receiving collection voice mails from  XXXX  which I ignored. After many such calls, I angrily answered the phone and threatened to report the company to the authorities. After hearing my complaint, I was told that the paperwork I had filled out was never received and they would send me another set of forms to dispute their claim. I never received the second set of forms.     Recently I received another voice mail from  XXXX . A few days later, I received a statement from  XXXX  claiming I owed them {$450.00} - I had never received a statement or invoice from them before. In the same mail I received a notice from  Professional Recovery Consultants   ( a Collection Agency )  advising that  XXXX  had turned my account over to them for collection.     I am attaching copies of notices from both companies to this complaint.
Back in 2008 when US economy went upside down due to banking unregulated methods ( XXXX XXXX etc ... ) I lost my home and a business. I lost ability to pay my obligations. 
I owned home on XXXX XXXX XXXX XXXX in XXXX XXXX , FL XXXX financed by XXXX XXXXXXXX XXXX . 
XXXX XXXXXXXX XXXX took bailout money paid by us taxpayers and walked away laughing. 
I tried to short sell the home and set up pay-off of the debt. XXXX  XXXX XXXX declined 6 short sales and declined to even talk to me about other ways to pay off my loan. 
Years have passed by and XXXX XXXX XXXX didn't foreclose on me in legal manner ( I believe there is statue of limitation of 5 years in State of Florida ) and sometime later on they sold my loan pennys on a dollar to XXXX XXXX XXXX collection agency. After that agency was sued by small lawyer for wrongdoing they than sold it to present collection agency Shellpoint Mortgage Servicing company. XXXX XXXX  XXXX, XXXX, TX XXXX. Phone XXXX This company is constantly harrasing me with phone calls without message ( mute calls ) and monthly letters threatning me with legal actions. They also, are ruining my credit report. 
It is over 10 years since I incurred debt that XXXX XXXX  XXXX abandoned as all wealthy and company do knowing no one will hound them though they are the one who ruined hard working people like me. 
I am asking for help as it is mentally draining to wait each month for the same scenario. 
I live of XXXX social security XXXX thanks to decissions made by our governement but, it is me/us who always paid and pay the price of reckless governing. 
Sincerely XXXX XXXX XXXX
I have contacted each company various of times and i have gotten no where. On The Florida office of Financial Regulations this company licensed has expired and is illegally doing business in Florida as a collection agency.
I tried to reopen my Citi prestige card a day later i received a email stating the my reopen request was denied because of a late payment on my account I have never made a late payment on my account I sent them a payment via Mail on time they never credited my account resulting from their error I received a late status on my Citi prestige card
hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from XXXX and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted XXXX XXXX about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time
XX/XX/14-we sent Ocwen {$5000.00} ; arrears were at this time {$8800.00}. Ocwen stated that unless we had the total amount they would not accept any amount, but they took the {$5000.00} ; and did not return it. We ask for a repayment plan ; they said no! But when the loan go to be XXXX, they came up with a ridiculous repayment that was more than our monthly income behind. We asked how can you offer a repayment when the loan was $ XXXX and not offer it when the loan repayment would have been affordable? Ocwen had not answer. We ask for a modification ; Ocwen drug that process along numerous months to the point that it was unaffordable. It was {$30.00} over the allowed government amount for assistance? This was trickery on their part because how can you say you wo n't accept anything less than the total arrears and then you took the XXXX and then would n't offer a repayment plan? it was a set up for failure. Ocwen says helping homeowners is what we do. Hurting homeowners is what they did. Ocwen lied and misled ; took our money, but stated they would n't take anything less than the arrears. Ocwen could have easily fixed this, but foreclosure is what they seemed to be aiming for from the beginning. This is right..double tongued and lied, but yet they still took our money and would n't help.
Equifax 's breach has put my credit at risk. I am listed as a potential victim on their site. I am worried this will negatively impact my ability to buy a home, which I was looking to do in the near future. 

I would appreciate it if they offered a free credit freeze.
I opened a previous complaint with Navient asking them to research why our children are now in their XXXX and we still have a large balance. Over the years we have been contacted by Navient a number of times instructing us to combine our children 's loans, keep in mind we did not ask they contacted us. When I call customer support they did not offer any solution or attempted to investigate why our balance is still so high. The previous complaint created through CFPB was closed because my wife was part of the complaint but Navient said they could not work with us because she was not part of the loans. I called Navient and added my wife to the account as was to here a response within 30 days. They 30 days have past, no response was received and CFPB closed the case. Everywhere we turn we are not getting any help. We are close to retirement and still have a large balance even though we have paid on a regular basis for over 18 years. Keep in mind during that time our account has changed organizations without our input.
Pressler and Pressler, LLP of XXXX, NJ is a debt collector/law firm, they buy up credit card debt for pennies on the dollar and than file in superior court and have he constable serve you with out trying to pay.
I had a home discharged through the bankruptcy courts in XXXX. Now, I have XXXX mortgage companies harassing me over the unpaid debt. I have written them numerous request to cease and desist and yet they continue to harasses me on a weekly basis. XXXX XXXX has gone to the extent of repeatedly calling me on my cell phone over this debt. I would like this to stop immediately. I would also like to know if I can file suit against these companies.
This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, Experian, XXXX, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and Experian ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.
Inquires showing in my credit report that i didnt authorize i contacted credit Equifax and was told to contact person who did it and was no help contacted them back told them it was fraud and no one wanted to help instead i was told that if they dispute it nothing is gon na happen its not gon na be deleted they are going to send a letter telling me to contact them who did inquiry
This is another concern with my Wells Fargo Modification Agreement, copy submitted in CFPB case # XXXX on XX/XX/XXXX. 

My Wells Fargo case person for this modification was XXXX XXXX, that required I remove my brother from my deed, which was only beneficiary reasons, being widowed and XXXX, and fax a recorded copy through a WF branch, before any Loan Modification agreement could be done. I did this on XX/XX/XXXX see att 'd. 

When this Modified agreement came with my brother name XXXX XXXX on it, I contacted XXXX, he stated their was n't enough time to resend to meet the XXXX XXXX deadline. Agreement dated XXXX XX/XX/XXXX sent via mail to me told not to sign and returned Mail Workflow show XXXX XXXX. He said his name would be automatically dropped with the Quit Claim Deed recorded XX/XX/XXXX 

This has never happened, and know XXXX in Payoff or Preservation over the four ( 4 ) years have been able to resolve.
American Express has locked me out of accessing my account. 
Amex detected potential fraudulent charges on my card last week and alerted me immediately through the Amex app I use on my phone. After confirming these were fraudulent charges not iinitated by me, Amex canceled the card. This is common practice. They have mailed me a new card. In the mean time, I am traveling and have not nor will not be home in the immediate future to receive the card. In addition to canceling my credit card, they have frozen my online access and will not provide the detail of recent charges or statements to me. I can not unfreeze the access hold until I have the new card in my possession, which I will not as i am not home. I need the account access to a ) review my statement which has a $ XXXX+ amount due next week and b ) I have a business which I need to confirm past charges in the past 3 months that I am being double billed for. 

This is not OK in any manner. Amex is not willing to work with me on getting me the information.
I purchased a money order while out of town in XXXX, Georgia to payment my car payment for {$550.00} from XXXX 's on XXXX XXXX XXXX. The money order was lost in the mail. In XX/XX/XXXX I sent them the required paper documents to XXXX XXXX in XXXX, Colorado but they said they did not get it. I send it to them again by email and they send me back a copy of the money order showing who cashed it. I would like my money please!
On XX/XX/XXXX while using their exchange system ( XXXX ) I was automatically logged off and was no longer able to log back in. XXXX would give a message stating " An error has a occured. Please contact XXXXsupport. '' I have contacted both Coinbase and XXXX ( OnXX/XX/XXXX and many times after ) without any resolution or movement on the matter. A ticket was entered and " escalated '' which stated I would receive reply back from their " specialists '' within 4-5 days. It's now been 7 days and still no response. 

I have funds locked up by their system without any reason or explanation from them as to why.
ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/17, XXXX XX/XX/17, XXXX XX/XX/17. How is that accurate? 

There should be no past due on a charged off/closed account yet Experian lists a past due amount of {$350.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate. 

This account is charged off and should not be listed as revolving. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
I filed bankruptcy XX/XX/XXXX with discharge. XXXX XXXXAlly bank wrote in CFPB complaint XXXXXXXXWhat appears to be a violation of the bankruptcy stayCar was reaffirmed VIN XXXXIt appears Ally bank took car without permission during bankruptcy stayThis is my first knowledge of any action XXXX XXXXTo my knowledge all action stopsAppears I was taken advantage of with a clear disregard to the bankruptcy stayNo proof of claim or relief was applied for by GMAC/Ally BankGMAC/Ally did not appear at creditors meetingGMAC/Ally provided 100 % percent interest to me
Equifax has re-added late payments to my credit report. I contacted equifax about this last year via a dispute, the CFPB, and XXXX. I submitted pages upon pages of documents showing that my student loans were never late. Equifax updated my report and removed these false late payments. But, now they have re-added them to my report fraudulently.