WillisBack/dataset-financial-user-claim huggingface dataset:
I have on several occassions contacted XXXX, XXXX, and experian and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON EXPERIAN, XXXX, AND XXXX. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM XXXX XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Around the time of XX/XX/XXXX-XX/XX/XXXX I had experience fraud or scam activity on my account which were mobile deposits of {$470.00} ( Honestly forgot the amount but I do know it was 4 something ). I called Wells Fargo to figure out where was the activity coming from and they said they would help figure out where it would be coming from. The accountants at the Wells Fargo brach asked if I shared my mobile banking info. My Answer was No I NEVER do that. I knew something was odd about it because no one ever sends me mobile deposits but my Uncle & when he does transfer me funds it says his name, implus he barely sent money to me around this time. When I saw the weird amounts pop up I automatically gave my bank a call. Ive had them for months & experiences horrible service from them, there would always be money talking out and much more. Just would like this situation resolved.
Money and dates on online banking didn't seem right. Looked like money missing. I'm going to have to go through it myself to check. Fraud department helped a lot in beginning then when low or out of funds the customer service level dropped and stopped properly filing claims. Filed a claim around XXXX XXXX that didn't show up a few days later. Disputed XXXXXXXX XXXX XXXX and another. I need to obtain a printout of all months. Was receiving a balance alert of {$0.00} for a month and called to file a claim and was told account was closed even though it was at XXXX for a long time still receiving emails. I filed the claim for around {$400.00}. I received 4 letters in the mail XX/XX/18 one stating I would be awarded XXXX then one saying I passed a time limit to file a claim and denied all {$400.00}. I spoke with the fraud department and they refused to send in writing this time limit. I don't believe them and having a time limit makes no sense. I explained I paid the wrong company so they were fraudulent charges but still didn't change their mind. Refused to give employee ID numbers.
I do not have a contract with Portfolio Recovery. I am not responsible for the collection for the debt with XXXX XXXX. I am not responsible for this debt.
Flagstar Bank is charging me for homeowners insurance when in fact my insurance has been renewed. They are not making a distinction between a cancellation and a renewal. I think this is fraudulent behavior.
A company called Forster and Garbus filed paperwork with local courts 2 years ago, getting a default judgement on me, when I told them the loans they are collecting on, for XXXX, were in fact not mine. Worse yet, they refused to show my court documents to the court, never told me of a court date and my answer to their complaint was never given to the court. As a result, they go XXXX default judgements against my name, with a false co-signer and have been garnishing my wages for a year and a half. I want this money returned, I want these garnishments lifted and I want them to re-open these cases at no cost to me
On XX/XX/XXXX, I was living with my brother when his house caught fire in XXXX. I went to the hospital for treatment. XXXX told me they would provide me with housing, my medical bills would be paid and I would get paid for all my belongings lost in the fire. As of today I have not received anything. It came to my attention that a check was issued for me. XXXX cut a check made out to my brother and his wife, ( they were divorced XX/XX/XXXX ). My brothers wife endorsed the check, deposited it, and took the money for herself. My brother never endorsed the check or saw the money that XXXX said was intended for me. This incident was reported to the XXXX on XX/XX/XXXX.
*Existing Chase mortgage with spouse. Upon divorce I was awarded property and need to settle mortgage loan*Never 30 days past due on mortgage payments*Mortgage has been open since XXXX XXXXMortgage payments have been consistently paid from my income, never 30 days late*Court order requires me to relieve ex-spouse of the mortgage XXXX XXXX, XXXX provided Chase on my entire financial circumstance, showed them that there payments would still be consistently on time based on my income and expenses*Balance on my mortgage is {$86000.00}, Value of property in my community is {$81000.00} based on divorce appraisal*Must comply with court order to relieve ex-spouse by XXXX XXXX, XXXXAttempting to complete loan assumption to comply with court order*I advised Chase that I want to keep my house and not have had a foreclosure or filed bankruptcy*Chase advised me complete assumption application*Completed full application, authorized them to pull my credit*All credit XXXX days late, no derogatory credit, no public records, no prior bankruptcy or foreclosure history of any type*Chase processed application-denied due to debt to income ratio and advised me to try another bankI contacted Chase to find out the process to transfer the property into my name and out of my ex husbands name. I informed Chase from the very beginning that my intention was to continue to make my on time payments of my mortgage and to protect Chase and myself from any negative impact financially. My intention is to keep my credit in good standing and for Chase to avoid taking back a property worth less than the balance owed. It is my best interest to keep this home for me and my children and not cause disruption in our lives. I have demonstrated by my credit history and my income that I have the ability to make these payments and had little to no financial help from my ex-husband for the last year. If Chase is unwilling to grant me an assumption that may jeopardize my financial situation and that forces me into a bankruptcy and foreclosure because of my ex-husbands financial actions. Then Chase may have to take a home back in foreclosure that at this time is entirely avoidable. Chase did not offer any other solutions other than to find another bank. I have in fact talked to a mortgage broker and another bank. Given my credit history I can qualify for a loan but due to the loan to value and the current debt to income ratio, I will not qualify at this time with another bank.
my payment for my truck is due on the XXXX of the month, and after XXXX days they began the calls i 'll answer and tell them when I am going to pay them and just about every day XXXX times a day I will get calls from them asking the same thing each time I ask why do they call everyday almost, they say it 's the computer dialing and the have to keep up collection activity. it seems like harassment to me can this be stop. finance company XXXX
I placed orders on XXXX XXXX order # XXXX. My XXXX XXXX card was charged I have not received any order. When I called Customer Service I was told the order was canceled but I XXXX charged {$110.00}
I have made payments in excess of the amount due on the loans. I did this a few times until I noticed that my balance due was XXXX. I continued to make payments in excess of the amount due however they were now only going to interest or nearly all going to interest. There is no way to know what the interest owed for the period is on each loan. This was a year ago. I called and complained telling them that I wanted a detailed listing of interest accrual by loan since I have XXXX loans so that I could balance out what I have paid to what they have posted to my loans. They could/would not provide but tried to talk me through it. I ended the call by telling them I wanted any additional payments to go to the higher interest loans instead of the lower interest ones which is what they had been doing. I also wanted them to stop sending me bills with no balance due if there was in fact interest due that they were going to apply my payment to. They said I needed to send the request in writing which I did. 
A year later my wife who is doing the payments complains that she does n't understand the billing still. I go on and it is still showing paid ahead with no balance due and payments being made almost exclusively to interest. The little that they do apply to principle is applied to the lower interest rate accounts. So I call again about the issue. The service rep tells me that they have no record of my request and that I need to request it again and they are doing everything in accordance with the agreement and cant change how they are billing. I explain I already sent in the request. She said they do n't have it so I would have to send it in again. I asked for a different channel than the email that they had me use last time and she said they do n't have one. Then she went to her manager because I would n't accept that answer. Suddenly they did have a form letter that they could send me. When I asked if there was a way to verify the documentation so that I would not end up in the same situation with them having conveniently not receiving it and having no evidence it was sent she was very uncooperative and I had to basically pull it out of her if there was a way to track it other than certified mail which I did n't want to do. In the end this company since purchasing my student loan has done nothing but underhandedly try to hide where payments are going and not apply payments as requested in order to maintain higher interest payments.
On XX/XX/XXXX, I contacted Transunion to dispute inquires on my credit report. I have not authorized these inquires and I have received little to no cooperation from both the credit bureau and the creditors to remove the following inquiries.

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from NXX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
On XX/XX/2018, I was informed by the Director of Mortgage Operations that I would received a refund of {$500.00} after my mortgage closing. On XX/XX/2018 I received a check in the mail for {$450.00}. After contacting the Director of  Mortgage Operations, I was informed that I would not be refunded the additional {$58.00} because of the type of loan I received.
The info midland provided to credit reporting agencies are contradictory to the letter they have sent to me. Specifically the last payment date should reflect XX/XX/XXXX both in their letter to me and to their report to the agencies, which is not the case they stated it was XX/XX/XXXX to the agencies.
I just received a new credit card from XXXX XXXX. They gave me a TransUnion credit score of XXXX. Now according to XXXX XXXX my TransUnion score is XXXX. Now that is a 92 point difference. I dont know which score is accurate. Please let me know..
I was the victim of a wire transfer scam involving a business 's Wells Fargo Bank account. It was demanded of me that I wire, no other method was provided, {$67000.00} to the following Wells Fargo Bank Account on XXXX XXXX, 2016 : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. The Bank Wiring Instructions were as follows : Bank Information : Wells Fargo - XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Name on Account : XXXX, LLC Account Number : XXXX Routing Number : XXXX. This was a 'scam ' and a fraudulent wire transfer and there are numerous complaints against this business for these wire transfer 'scams '. Wells Fargo has a fiduciary duty to prevent and address such abuses by their business clients upon consumers. In addition, I am learning that transfers of these magnitude trigger many Financial Institution and IRS investigations. Per FTC Reference # XXXX, I was instructed to contact my own Bank to try to have this Wire transfer reversed and the Wells Fargo business client refused. My Bank has now opened a Financial Crimes Investigation.
I checked my cred it report and it now shows a debt from a collection company I have no knowledge of this debt that is in the amount of {$350.00}. The original creditor was XXXX and it is indicating that the the debt was made in XX/XX/2015???
Bank of America said I have unpaid and suspected fraud activity on my account and was closed. The amount was paid and they send me a check back, so now XXXX XXXX  has closed my account down to due to Bank of America mistake. I need my name cleared.
HOA sued for unpaid assessments and is garnishing wages, but the law firm collecting the debt on their behalf is not engaging in meaningful negotiation to resolve the matter. Consumer has offered a settlement, offered an alternative payment plan, and has requested a reduction in the wage garnishment. However, law firm has simply rejected settlement offers with explanation or a counter offer, or proposed an alternative payment plan, or produced proof that they filed the reduction with the court and it has been over 14 weeks. 
The amounts they are seeking to collect are in excess of the judgment, and they have not reduced the balance by payments made by the consumer to the HOA. The amount the law firm is seeking to collect in attorney fees are excessive and nearly triple the principal balance with accruing interest. The consumer has offered to pay the full amount of the principal {$740.00}, court costs {$220.00}, and over {$500.00} in attorney fees and they rejected the offer. It appears the firm wants an additional {$1200.00} in attorney fees and it is unlikely they have presented the offer to the HOA.
This company offered me a payoff settlement in 2015 for 50 % of the amount owed. The problem was they sent it to the wrong address so I never received the offer. They purchased a HELOC loan so I 'm not sure why they would n't have sent the letter to the address associated with the mortgage.
I tried to get a new settlement offer this year and they asked me to submit financial information and also complete their settlement application. Upon reviewing my application, they offered me a payoff " settlement '' for 99 % of the amount they say is owed, which is comprised of the original principal amount ( $ 44k ) plus an additional 50 % of the original principal amount in just late fees and interest. They purchased my debt from another company and have continued charging me interest even though the original contract states that I am to receive a statement for every period in which a finance charge is assessed. They have never complied in that aspect and are unwilling to work with me to help settle my debt.
In addition, they are reporting my account to the credit bureaus as a mortgage account instead of reporting themselves as a debt collector.
TD Bank recently completed a disastrous upgrade to their online banking. 

When I logged in to their updated website it showed incorrect contact information, specifically a XXXX area code phone number I previously requested be removed from my account over a year ago. 

I followed the process to update this phone number, but they sent a confirmation stating that my address has been changed. 

I spoke to a XXXX XXXX that told me this was just a generic message. However, I just got my most recent TD Bank statement dated XX/XX/2018 and the address has reverted to my old address. The XXXX phone number still appears from my account and they did not remove it as I had requested.
XXXX XXXX keeps calling ALL of my phone numbers, then continues to call after I tell them XXXX XXXX is not at this number, and then LIES and says they aren't calling. I have them on voicemail. XXXX XXXX leaving VERY THREATENING messages, but she won't answer the phone when you call back. NASTY FILTHY COMPANY full of LIARS.
I do not allow XXXX XXXX XXXX involved with XXXX and No allow U.S. Department of Housing Urban Development involved my bank account as include new account from Chase Bank or any bank branch, it was not safety for me using bank router and bank service from XXXX XXXX XXXX. I do not happy with XXXX XXXX XXXX because of they do not like my appearances complaints. NO Allow for XXXX XXXX XXXX get involved with tenant 's bank accounts! I do not like XXXX with U.S. Department of Housing with my sad icons on rent paid because of unfit Oregon resident and bad people of employees related with XXXX XXXX XXXX discriminates against XXXX XXXX tenant in our housing issues continually with used two-faces since 1986 records. They had too stubborn and quit jobs to other places to employ avoid of my appearances and many serious reasons. 

I COMPLAIN AGAINST XXXX XXXX XXXX WITH U.S. DEPARTMENT OF HOUSING URBAN DEVELOPMENT INVOLVES WITH MY SENATORS POLITICAL LETTERS AND CONSUMER FINANCIAL PROTECTION BUREAU HARMS MY LIFE EGO, I COMPLAIN AGAINST PUBLIC E-MAIL WHICH XXXX XXXX XXXX RECEIVE THIS DOCUMENT THROUGH SECRET SYSTEM WITHOUT MY KNOWLEDGE EMERGENCY REPORT TO POLICE EMERGENCY NOTIFIES TO XXXX XXXX XXXX AND U.S SENATORS. EMERGENCY PULLING ME OUT OF THIS EVIL HOUSING! XXXX XXXX XXXX AND U.S. HOUSING URBAN DEVELOPMENT RESPONSIBILITIES FOR DISCRIMINATION AGAINST XXXX AGAINST XXXX XXXX XXXX, TELL MALE AUTHORITIES PULL ME OUT OF THIS HOUSING EMERGENCY RESPONSES : EMERGENCY FORWARD TO XXXX XXXX XXXX. I COMPLAIN AGAINST THIS HOUSING SMELLS MY FINANCIAL HOW MUCH MONEY IN THIS ACCOUNT AT THE BANK! IT WAS NOT SAFETY FOR ME USING TO LIVE IN BAD HOUSING ADDRESSES! IN ADDITION, I WAS NOT HAPPY WITH XXXX XXXX XXXX CONTINUALLY.
Transunion has fail to provide accurate and timely response of negative unverifiable information on my report.
A collection company is trying to charge me a collection fee for a debt they bought and collected on. I paid my debt of {$470.00} the day I was notified. They are trying to add on {$140.00} as a collection fee they are charging. My right I believe is they can not collect more than my debt.
I have contacted XXXX Experian and XXXX in reference to XXXX XXXXXXXX   inability to produce a contract bearing my signature obligating me to pay the charge off XXXXXXXX XXXX is reporting. XXXXXXXX XXXX only produced paid receipts and checks without my signature NO CONTRACT. XXXXXXXX XXXX did not indicate that my CR was in dispute within the 30 day requirement. Violations of the FCRA! Attached is a letter XXXXXXXX XXXX  sent me as a solution to their inability to verify the inaccurate reported information. Experian XXXX XXXX you must see that XXXXXXXX XXXX CAN NOT verify those accounts XXXXr does not allow CRAs to investigate accurately. XXXXXXXX XXXX can not verify these accounts lawfully. Please use the information I sent to verify that this is a mixed file that XXXX XXXX CAN NOT verify.
XXXX XXXX CREDIT cards and XXXX XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You
Green tree is attempting to reage a debt older than 7 years and has posted this debt to my credit report without a notice to dispute the debt.
I have a number of issues currently with Equifax. 

- on XXXX I ordered a paper copy of my credit report. I paid {$5.00} for this report. I was told it would take 5-7 business days. When I spoke to an Equifax representative on XXXX, they stated that it had been mailed I would receive it shortly. It is now XXXX - XXXX business days later - no report. 

on XXXX I called Equifax because suddenly my ENTIRE credit file disappeared and an address from another state was appearing attached to my name and SSN. After numerous attempts to get this correct all that has been done is an update of my current address. It is now XXXX and my file is still completely blank. My entire credit history has vanished and no one at equifax seems to be able to explain why or is even vaguely interested in fixing it ( I had one CSR tell me that no, in fact, I did not have any credit accounts otherwise they would be showing up ). 

- after the security breach was finally made XXXX, I went to the security web site to see if I was impacted and when I could sign up for credit monitoring. I was told that yes, I was impacted and that my date to sign up would be XXXX. After registering, I would receive an email to complete enrollment. Today is XXXX and I have yet to receive any word on further enrollment. Given that my one complete credit file is now blank and equifax is taking 5 business days to provide some modicum of monitoring service, I have grave concerns that my credit history with Equifax is even existent. 

Due to this shoddy handling of sensitive protected information, I am currently unable to apply for any credit as a comparison on my reports between the other two CRAs and Equifax would show grave discrepancies, all due to Equifax 's incompetence. I have also been denied credit which I believe is solely due to Equifax mishandling of my file and incorrect information ( in this case, no information ) and a wrong address being reported. 

Also, aside from this complaint, and joining any class action law suit I can against Equifax I will be filing a separate, individual lawsuit for FCRA violations as clearly they are unable to maintain accurate and complete records.
I took out a loan with XXXX XXXX for {$1000.00} XX/XX/2016. I became delinquent on the loan. I recently pulled a credit report and found that I had a collection account reported on my credit file from Plaza Services. I never received any communication from Plaza Services that the debt was being handled by them not any information on how the amount got to {$1700.00}. I contacted Plaza Services who advised that they sent a notice XX/XX/2016. I advised them that I never received any communication.
THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. THIS ACCOUNT IS REPORTING AS A CHARGOFF AND I AM STILL RECEIVING COLLECTION ATTEMPTS.