WillisBack/dataset-financial-user-claim huggingface dataset:
I have been paying on a loan with One Main Financial. I was at the office location in XXXX in XXXX SC and my records were sold to the location on XXXX XXXX XXXX without my consent. My balance was paid down to just over 6,000 and I received a credit alert stating from XX/XX/XXXX to XX/XX/XXXX of this year my balance jumped from {$6100.00} to {$15000.00}. I have not taken out a loan. This was brought to my attention on XX/XX/XXXX and I visited the office on XX/XX/XXXX. I was told that there records showed no such thing. I asked for a master printout and the guy printed out what his work station showed which only showed the last couple of months of payments. He then proceeded to cut off the top of the form that had the company logo on it before giving it to me
On XX/XX/XXXX I received a letter in the mail from McCarthy, Burgess & Wolff ( MB & W ) stating that they are a debt collector attempting to collect a debt from XXXX. I immediately called them at XXXX and spoke to XXXX XXXX. I disputed the debt and asked for additional information. Between the dates of XX/XX/XXXX I repeatedly called MB & W at the same number requesting updates and continuing to dispute this charge. I also spoke with XXXX numerous times and was advised over the phone and in writing that I do not owe them any money. I provided all this information to MB & W verbally and via email. Repeated calls to MB & W resulted in the same answers where they confirmed that they had received my information and were waiting to hear back from XXXX. On XX/XX/XXXX, I received a letter ( .pdf attached to an email ) from MB & W subject of a debt verification notice. I called and spoke with XXXX again and she transferred me to XXXX XXXX ( who I have spoke to before during this process ). XXXX identified himself as a supervisor. He acknowledged receipt of the information I provided from XXXX and stated that " for some reason that is not enough for them to close this debt. He further went on to state that people call all the time and say they are n't responsible for debt and until XXXX provided them further information this was going to sit in collection with MB & W ''. I believe that I have sufficiently proven that this is not my debt, therefore, I am opening this complaint against MB & W.
I followed proper protocol to end my lease with XXXX XXXX Apartments XXXX XXXX XXXX, XXXX FL XXXX XX/XX/2017. I have email confirmation that I proved to have my final bill sent so that I could make plans to resolve it. To this date I have not received a breakdown of any amount owed. I have attempted to contact the leasing office for this information and have not received a response. I believe it was XX/XX/2018 I was contacted by a company called IQ Data demanding I pay them. I attempted to advise them I would like a break down of what was owed. IQ data advised they do not have an account number nor could they provide me of a breakdown for what they were saying I owed. The person was very rude and nasty to me. I asked to speak to a manger who was argumentative and rude. I sent the leasing office another email and have not received a response to it yet. I am asking for anything owed to be considered XXXX for the way I was unfairly treated or at the bare minimum to decrease the amount owed and send me a break of the total amount they say I owe and why. Thank you in advance for any assistance that you can provide with this very unpleasant matter. I have XXXX  the address for IQ Data and will be sending them a copy of my concerns along with a copy to the leasing office
Received a call at  XXXX   XXXX  CT from  XXXX , a representative  of Portfolio Recovery  (  XXXX  ). I asked that the company not call me which was greeted with an ended phone call. I immediately called back (  XXXX  ), and when I asked again to be removed the representative demanded that I give my first and last name when I call back and then hung up.     I do not want them contacting me over the phone. Any and all business they have can be done through the USPS.
I recently learned from XXXX that a address located in Michigan was located on my credit report. I 've never been there, lived there or visited there. I do n't have family there that I know of. 

My drivers license have been stolen, my social security card also. The Social Security Admistration sent me a letter in XXXX and told to file a civil action law sue. 

IRS is aware of this fraud with my personal information. I need for First Tennessee Bank to provide me with all of my transactions on the account numbers that I am requesting. 
In the time the bank is allowed to go back from XXXX.
I was recently dismissed from bankruptcy we notified Ally financial and requested a work out plan because I want to keep my vehicle. We spoke with XXXX in the skip dept. Friday XXXX XXXX, 2016. He stated the account was still under bankruptcy and requested we fax over documents to start the negotiation. We fax the requested documents. He also stated the vehicle would not be reposed and I would keep my vehicle. My vehicle was reposed this afternoon XXXX XXXX, 2016. I have not received a demand letter for payment or correspondence stating Ally was requesting the vehicle to be picked up. XXXX gave us misleading information and I was calling to work out a payment plan. Ally is still mis treating the customer with their unfair collection practices. I 'm aware of the recent class action suit that the company was involved in.
XXXX, XXXX, and Transunion will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX XXXX. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.
This is written in reference to Equifax Credit Reporting Agency. I feel my federal rights are being violated in regards to credit reporting. I intend to file charges against this company. The lawsuit will be filed due to the utter lack of response from this company. When someone is a victim of wrong information being put on their credit file, it is simply a nightmare trying to get inaccurate/misleading information removed from a credit file.I have contacted all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit, documents with my signature constituting obligations that I have entered into business with them and etc. I asked for proof of the alleged debt from creditors. So far none of them has been able to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt can be validated. Which leads me to wonder, how is Equifax stating accounts are " Verified '' on my credit report. The letters I receive from Equifax states accounts " Verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to match up numbers in their dadatabase is no sufficient verification of information. I prepared to sue Equifax for being such a pain in the posterior to me. I provided more than enough proof to hsve accounts in question removed since my first dispute XXXX 2014. The accounts in question remains to be particularly XXXX XXXX, XXXX, XXXX duplicate XXXX XXXX account with slightly different account numbers, and University XXXX XXXX. Please assist me in anyway possible.
My daughter and I -- as joint owners of a condominium at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , loan #  XXXX  -- applied for refinancing of the condominium with  Bank of America  in late   XXXX   XXXX   XXXX  . We applied with loan office  XXXX   XXXX ,  XXXX  ID  XXXX , (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Ca  XXXX .  Bank of America  led us to believe that our property was eligible for refinancing by them, and that approval by them depended solely on our ability to qualify for a loan through income, acceptable credit scores, and property value. After we had paid {$470.00}  ( by cre dit card on  XX/XX/XXXX  ) for them to obtain our credit scores and an appraisal of the condominium by an  appraiser obta ined by them, and after we 'd paid an additional {$15 0.00} ( by check  on  XX/XX/XXXX  ) -- at  Bank of America 's  request -- to condo management to supply master insurance policy and answer the bank 's lender questionnaire, the bank informed us that they did not ( re ) finance condominiums in our building. They also informed us that they 'd denied a mortgage loan to another resident in our building in  XXXX  for the same reason. We were completely unaware that B of A had denied any resident in our building financing or refinancing. From the beginning, we had a reasonable expectation that the refinance loan would be approved by B of A, since they originally financed our condominium in   XXXX   and held the papers on it until the latter part of  XXXX . Yet, they guided us through a costly and time-consuming application process, in which we were required to fill out voluminous paperwork and pay out personal monies, only to inform us that we were not eligible for refinancing by their bank.   Bank  of America kn ew or should have known from the beginning that they had established a business practice whereby they did NOT offer mortgage loans to units in our building. In addition to that, the bank should have required its Condo/Co-Op  Project Review Specialist to review our unit and building before, and not after, it required us to  pay out sums of money in order to proceed with the bank 's application process.     I have attached a list of instances, in which we have communicated with Bank  of Ame  rica, only to be totally ignored. I called in   XXXX   XXXX   and was directed to   XXXX   XXXX  , who is no longe r a loan office and no longer has an NMLS ID and could not help me. I mailed  XXXX   XXXX  's  manager th e same attachments I sent on   XXXX   XXXX   XXXX  , called him several times since then, and have received no response, even though his answering machine says he would respond  in 24 hou rs.
Someone opened a fraudulent account using my social security number..I did not give anybody permission to use my social ... I have provided the requested documents to XXXX  as requested and the investigation has been ongoing since XX/XX/XXXX in which is the date the loan was open..XXXX XXXX is the name of the loan company..There is a balance of {$9600.00} with a high balance of {$16000.00} ... I dont need a loan of no type if you check my credit you will see all my credit accounts is in perfect standing ... this is causing emotional distress on me and my family ... Ive even reached out to the RMC Loan place and asked that they run there security cameras so that we could see who done this such awful thing and they told me they dont have cameras ... I have provided to XXXX  several police reports that state this account is fraudulent and they still say the process hasnt been completed and that RMC has verified that the account belongs to me..I told them to provide proof that the account belongs to me bc unless I have a cloan then they need to remove this account immediately..Im trying to be patient and take the proper steps into going about this situation before I proceed with my attorney..please take into consideration that I will prosecute whomever we find out who did this ... Im convinced that the bureaus has something to do with this because they removed the inquiry but not the account ... my credit was ran 27 times in one month and they removed all of them because fraud was obvious..I have police reports all the way from XX/XX/XXXX where my entire vehicle was stolen and my wallet ... Ive been a victim of identity theft for 6 plus years now and the bureaus been aware of that.It also states that Ive paid off 41 % of the loan and Ive never made a payment on it because I didnt open a loan up .Thanks and please contact me back about this matter..XXXX or XXXX XXXX
Account # XXXX XXXX XXXX XXXX was added XX/XX/2009 account should be removed after 7 years. The account is now open account and in good standing but the account is in both negative and current standing. Negative past due status should be removed from credit report. incorrect amount and account is not closed
Have been a member of XXXX for many years. They recently changed card companies and requested that I call Citibank and get a new XXXX card from them. I did that and was a little surprised at the personal questions they asked ( annual earnings, etc. ) but answered all their questions. Then a few weeks later, I received a " Request for more information '' from them dated XXXX XXXX XXXX. The letter is attached. 

They requested way too much personal information, including bank or credit card statements, utility bills and either a letter from my broker, CPA or personal banker confirming my income or a copy of last years federal tax return, including signature and all supporting schedules. 

This is too much personal data and could result in compromising my identity, including access to my bank accounts. 

I withdrew my application during phone conversation with them. If requesting this much information is not illegal, it should be. 
Sincerely XXXX XXXX XXXX
" " '' I have disputed this charge off on this XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Citibank refuses to provide equal access to services for XXXX customers who do not use TTY services. I was unable to register for an online account for my Citibank Thank You card, in order to pay it directly, and requested assistance via their advertised XXXX account. I had the card in my possession, as well as all other information necessary to open an account. Despite using DM XXXX Direct Messaging ) which is secure, the representative refused to assist, and told me that the only available way they would assist me is TTY, voice telephone, or physically going to the bank. I asked for a supervisor many times and was denied, and eventually ignored. I wasted over an hour of my time trying to get assistance from Citibank. The amount listed below for lost money is my hourly billable rate.
Applied for Home Equity Line of Credit XX/XX/XXXX at Santander Bank. I wanted to consolidate credit cards to pay off at lower rate and have a better credit rating to cosign my daughter 's college loans. SHe is a XXXX so I have more loans to go. I am XXXX XXXX, had XXXX XXXX 2 yrs ago. Was told 6wks. It took until X/XX/17 to close. XXXX XXXX was the executive at XXXX XXXX I spoke with. He pushed me off to assistant XXXX XXXX who repeatedly had me fax papers saying they never got them. Dates passed by as I kept asking what was going on. Very poor understanding of their product by the employees. Closing was held at a XXXX by XXXX XXXX, noist, papers fying, on stools. It was there I was 1st told I had to open a checking account to pay my interest and principal payments into in order for HELOC to be taken out. This was a surprise and questioned why I would n't just pay directly. I have a XXXX  cchecking acct. I do n't need this one. She said it was how they did it. I was told ther would be an overdraft fee. But, since I never planned to take any $ out ever agin, but only pay off, I did n't think I would need it. As in my XXXX acct overdraft charges are only made if you overdraft. I found out 2 wks ago this is a monthly regular charge. News to me as was the invoice showing $ XXXX/monthly statement. There are surprise fees evry single month. I am being nickle and dimed. It was bait and swith just to open a cking acct to get those fees. My wallet was stolen XX/XX/XXXX and Santander allowed the thieves to get {$50000.00} from an dummy checking acct and allowed them to take from my HELOC!! I have reported the fraud XX/XX/XXXX,XX/XX/XXXX and every day until today when I was called to the branch to file a claim. XXXX handled it by XX/XX/XXXX, all funds returned to my accts. I filed a police report. they said they never heard of a bank not replacing funds asap! I am very stressed and feel abused and pushed to my limits until I am crying and screaming, swearing at them to remove those hidden fees and refund those funds after 6 whole days.
During last 5 months many errors, tellers not knowing how to process my payment tho I followed directions to the " T '' and many, many calls from them again and again. It is harassment.
I am seeking to have the PMI on my home removed, and after consulting a local real estate professional about the value of my home, I paid NationStar Mortgage {$450.00} fee to have my home appraised. The company took the fee and ordered an appraiser that lives XXXX miles away to perform the appraisal on my property. His opinion of value was $ XXXX $ XXXX less than the range given to me by one of the most successful real estate professionals in my city. I believe that the appraiser lacked sufficient geographic competence to perform the appraisal, and submitted a dispute to NationStar outlining this. I submitted that dispute on XXXX XXXX. I have received no resolution. None. I have spoken to multiple call center reps, including XXXX XXXX and XXXX XXXX. I have asked for their manager, XXXX XXXX, to contact me on numerous occasions, and have never received a call. I have contacted them at least 6-7 times and they are either incapable or unwilling to provide me with any answers. I have a perfect payment history with NationStar and all of the companies that owned this mortgage before them. I believe this behavior is unacceptable. I think they ordered an appraiser that was more likely to produce a report favorable to the mortgage company than to the homeowner. I believe this to be deceptive and unfair. I have contacted them on numerous occasions and given them every opportunity to respond in ANY fashion to my dispute and the follow up inquiries. They have not done so. I believe that they have an obligation to respond to formal written disputes that they have not held up.
I Had a home equity loan with a bank that something happened to 2008 call XXXX XXXX I stopped getting payment notices, for a couple years then I received mailings from entity call XXXX XXXX and I talk to a male from this entity asking that he show ownership of the said loan and I never received any documentation, then I got a notice from XXXX XXXX saying that rights where transferred to " West Coast servicing inc. " they are saying I owe late charges totaling {$3100.00} I never had any loan information or numbers etc I have only been threatened by this entity. this has never been on the up and up they never gave me payment slips or nothing. now they have found away to get a trustee to file a notice of default. I never had any information on this loan. I do n't even know if they have a legal right or chain of custody or ownership of this loan. I filed a complaint against them 4 years ago and was told they were n't in your network and you where turning it over to the federal trade commission for prosecution. how is it fair to turn up after so many years and tell me I owe late fees? I always intended to pay my debts if owed but this is not right how they have dealt with this problem. I have only wanted to be treated fairly but this has been a night mare!
The AAG commercials air constantly and my elderly mother succumbed and agreed to take out a reverse mortgage. However, in the meantime, she made me promise that I would make certain, as the oldest daughter, that I would " save '' the family home for my youngest sister. I made the promise. I did not know how sick she was ; she hid a lot from her XXXX daughters. We found her passed on the sofa on XX/XX/XXXX after I got home from work. I looked at the cost sheet for this reverse mortgage and the charges are unconscionable. Further, the funds were received on XX/XX/XXXX and she passed on XX/XX/XXXX. I did not know that she took out the reverse mortgage ; I advised against it and I thought she had taken my advice. Our family house was built in XX/XX/XXXX when we returned from XXXX, XXXX with the XXXX XXXX. Our family are the only ones to ever reside in this house. My grandmother passed in this house, my brother ( XXXX veteran ) passed in this house, my father passed in this house ( XXXX XXXX veteran ), and my mother passed in this house. I am terrified that I am going to be unable to keep our family home because of this reverse mortgage. My mother only owed a small mortgage of {$4500.00}. I could have " saved '' our family home had it not been for this reverse mortgage. I just do not know what is going to happen in the future. If there is anything you can do, please help.
The debt is from an overdrawn checking account from XXXX sometime around XX/XX/XXXX. The representative for ability recovery agreed to remove this debt from my credit report if I paid in full. around XXXX/XXXX/XXXX I made the payment of {$130.00} from my XXXX account. This is paid in full.
XX/XX/XXXX, XXXX sent a package to my XXXX NC home, and it was immediately returned. I never purchased anything from XXXX, nor did I ever attempt to open any account with XXXX. I am a XXXX, so when I came home for break, I seen that I had a collection letter from XXXX dated XX/XX/XXXX, stating that I owe {$810.00} for an unauthorized account. I honestly do not know what is going on and why I am receiving this notice.
I have called XXXX to rectify my issue. XXXX closed my account and I paid them off. It still shows as a balance on my current credit report as if it still is an active account, but the same account also shows under my closed accounts as well. Target stated that they seen on their end that the account was closed and had a {$0.00} balance. But my credit report is reporting a balance.
Transunion is reporting inaccurate addresses, names, and SSN variation for my account. 

Between XX/XX/XXXX and XX/XX/. I have called Transunion several times. 

1. On XX/XX/, I sent a handwritten letter to Transunion ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

2. On XX/XX/, I sent a notarized typed letter to Transunion ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

I have sent 1 handwritten letter and one type notarized letter ( all  certified mail ) disputing incorrect addresses on my credit report and Transunion has failed to delete the addresses.
i had filed bankruptcy. and this account was included in.  AMG Financial Services c ontacted me and threat me with legal action against me.