WillisBack/dataset-financial-user-claim huggingface dataset:
Time for my daily complaint with Equifax. I would like to state again that the accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are not mine and are fradulent. XXXX XXXX XXXX claims that a name unknown to me was on this account and it was charged off with a person using my wife 's maiden name 2 years after we were married and her name was changed with XXXX XXXX XXXX XX/XX/XXXX, the proof was provided to Equifax through the CFPB. XXXX XXXX XXXX is an account that was never mine as well, but they hired a company that was sued by me in court and the settlement terms stated that this debt was to be erased, a copy was sent to Equifax and the CFPB and was allowed to be sent to all parties based on the fact that this involves a financial issue. XXXX XXXX is also an account open fradulently as the only jewelry I own came from XXXX XXXX and is insured and worked on with their company. All XXXX of those companies were also called on XX/XX/XXXX and I was informed that no information or conformation was sent to Equifax as Equifax claims. I would also like to add that I received a status update regarding XXXX XXXX XXXX. Equifax claimed that all but XXXX thing was removed by Equifax except I never claimed these accounts were not mine. I requested a block on them pending a medical malpractice lawsuit against their client for negligence and a missed XXXX diagnosis by refusing to XXXX and a XXXX as well as ordering unnecessary XXXX that caused bodily harm. I was personally informed by XXXX that all their information was being removed and Equifax was informed that they wanted their information removed yet the resolution Equifax has looks like they are keeping XXXX 's information on my credit report against XXXX 's request, making it seem like an act of revenge. I have and will keep making all these complaints until Equifax follows the law and is held accountable for breaking the law.
I do not believe I even owe this company any money. Some person on their behalf emailed me a threatening email claiming arrest warrants, contact my employer and garnish wages.
I was charged twice for XXXX XXXX ticket which i cancelled and got refunded for 1 however Citi is not accepting my dispute requests and is not helping me get refund i believe Citi is not understanding that first time when i opened a dispute against XXXX XXXX which I cancelled allowed XXXX XXXX to do a duplicate charge exactly of the same amount which was reversed on XX/XX/XXXX by Citi.
I am getting letters and phone calls from 'First National Collection Bureau Inc ' stating I owe money from a XXXX XXXX XXXX XXXX from 2007 which I never opened nor did I ever have. They are telling me they ca n't turn me into collections but I need to pay them. They have my social security number and address and it 's terrifying- I have no idea who they are, and it sounds like they just want my credit card information.
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 

My name is : XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX My current phone number is : XXXX Also, my current and only address is : XXXX OH XXXX I HAVE RESIDED HERE FOR 7 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS ALLL OTHER ADDRESSS ON MY REPORT ARE NOT MY PLACE OF RESIDENT PLEASE REOVE THE FLOWING : XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct
On XXXX XXXX, XXXX, I sent a letter of dispute to a collection agency named Credit Collection Service, in regards to an account that they have been reporting under my name and social security number, with an amount of {$430.00} which they claim I owe them, to XXXX credit reporting bureau, since XXXX XXXX, XXXX. In this letter, I requested validation of the debt, including sufficient evidence showing that I in fact owe them this debt. I do not believe I currently owe them this debt, nor have I ever owed them this debt. I have not received such validation, nor any relevant correspondence from this company, including an initial collection notice. I have sent 3 follow-up letters since then, dated XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, to which they have not responded. 

I believe this is a violation of the Fair Debt Collections Practicing Act, as well as the Fair Credit Reporting Act.
Today my husband XXXX XXXX, received a disturbing call from XXXX with XXXX XXXX. XXXX NY XXXX XXXX, Ext XXXX XXXXHe advised him he was calling re a debt incurred over XXXX years ago with Lightning Fast Finance . 
My husband XXXX XXXX, and i filed Ch XXXX and were discharged from bankruptcy XXXX. He advised the collector we filed bankruptcy and he then began using harassing language, advising he would continue calling until the debt was paid. I have also received several calls on my cell phone from this office, but voicemails were left as I neglected to return the calls since they addressed my husband. 
In addition, I can provide a copy of my filed list with the bankruptcy courts as we listed all parties that reports on our credit at the time of filing XXXX. 
Please respond with any requests for documents or call history records as necessary.
Chase is refusing to postpone my sale date, although they are in possession of a full package for loan modification review. This is a direct violation to the National Mortgage Settlement ( NMS ) of XX/XX/XXXX,  which prohibits the following abusive mortgage servicing standards. 

XX/XX/XXXX, NMS, identified various abusive practices being performed by Chase as well as other large banking key players which indulged in the same predatory practices as a whole. The wave of foreclosures exposed numerous problems : robo-signed affidavits that were turning up in foreclosure proceedings ; lost notes ; excessive fees ; dual tracking where banks would simultaneously pursue a foreclosure while telling the borrower that his loan modification application was still under consideration ; and the servicers generally not living up to their obligations as servicers. 

Chase bank has been in possession of modification request for assistant documents since XX/XX/XXXX. However they have refused to process these documents a continuously proclaim to still be missing items. The items which are expressed to be missing are mixed and matched, meaning if 25 pages are sent and 25 pages show successful transition, by the time the documents uploaded only 15 pages have completed the process. In particular, we have had to resend the same copies of rental agreements 6 times all of which show successful transmission via fax. Bank statements have been sent multiple times with the same results. 

Our account was purposely overlooked more than 11 times between the years of XX/XX/XXXX until now, with no reasons given as to why the loan is not qualified under at least the HAMP Tier II. This program is designed specifically for second mortgage properties. 
Our loan has also been transferred from multiple single point if contacts, which results in misapplication documents. Further the result of what may amount to thousands of documents during the duration of the request process from XX/XX/XXXX, has cost our family financial detriment. Also we have our mortgage account has been charged more than {$15000.00} in junk fees not to mention the compounded interest which has been applied to our loan unjustly. Chase has committed this type of illegal financial enrichment on multiple levels surrounding the servicing of our loan. 

Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. 
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification.
This firm calls my office phone almost daily and leaves messages stating that they are with " legal prevention services '' and that I or my attorney must return their call by end of business day to prevent further action. They have also contact my mother at her home and mobile phone. I did call them back and asked them to not contact my mother again which to my knowledge they have not. I also asked them to reference what debt this is related to. They provided information over the phone but have yet to send anything in the mail as I requested. This sounds like an old debt that is beyond 5 years and I 'm not sure of the status.
I am having 2 issues with a company called MRS associates. 

1. They are making repeated calls to my cellular number but when i answer the call they disconnect. I know it is them only because when i call back they have an automated answer telling me who it is. 

2. When I call back MRS associates will not tell me what debt they are trying to collect or give me any information unless I answer a litany of their questions to " confirm '' information they claim to already have. Since I do not know who these people are or what their scam is I have refused to provide them any information about me. In turn they refuse to tell me what debt they are collecting and they also continue to call. They insist that they have my address and ask me to " confirm it '' but they have yet to send me anything in writing.
I applied for Kohls credit card and they denied stating that they were unable to verify my SSN. but I see a hard inquiry on my credit report.
For several years, my mortgage was held by Greentree Servicing LLC. When they first acquired my loan from XXXX XXXX XXXX, Greentree informed me that the only way I could pay was by either automatic withdrawal or through XXXX, for which there was a {$12.00} fee per transaction. Not wanting to give them my bank information, I chose XXXX for all of my payments and was charged {$12.00} for each such payment. It is my understanding that as part of Greentree 's 2015 settlement, they were forced to pay restitution to customers who were unlawfully required to incur the XXXX fees. I am therefore writing to see if I may be eligible for that restitution.
I have been asking Netspend/XXXX Prepaid operated by XXXX for access to my transaction history. For days they have been saying the system is down, then they told me they can not give me access I have to go through my XXXX account, I did that, it directed me to call Netspend/XXXX Prepaid customer service so I did that, they keep sending me in circles and I still do not have access to my transactions. I started noticing that the balance I should have in my account does not match the balance in my account and wanted to see how long this has been going on so I can file a dispute, I ordered by transaction record dated back to XXXX 2015 and was told I have to pay a fee, I said fine. They told me it would be 48-72 hours to obtain it and it would be sent to my email. To date, there is nothing in my email, they still will not let me access my transaction records online, they told me I needed order the record again, so I asked for it again, they are telling me another 24-48 hours now. I have totaled approximately {$300.00} missing from my account and I ca n't see if that is accurate or not because they will not give me access or the proper documents I need. This is not right.
I have a auto loan through Citizens One FDIC. Another car hit my car and insurance deemed it a total loss. I requested account history of loan for the XXXX and Insurance companies. Citizens One FDIC will not email the docks or regular mail. The accident happened on the XXXX XXXX 2016 I requested info around XXXX - XXXX of XXXX 2016 and continue requesting the documents. I have made about XXXX - 12 phone calls and faxes starting from around the XXXX of XXXX till now. Each time I call Citizens One they tell me that the documents are being processed. The documents that the insurance company requested for the check that I had already signed, to pay off the loan are still being processed by Citizens One Bank. I signed the check around the XXXX - XXXX of XXXX 2016. I called Citizens One Bank yesterday ( XXXX XXXX 2016 ) and asked them if the documents had been sent off and they said " No they are in processing ''! I asked them what do you mean processing and the support person told me that, that was not his department, but he was going to put a rush on the documents. I said " rush, its already been 11 days since the insurance company had contacted you for the Letter Promise Account Loan Payoff Letter or whatever it is that they need it is still not sent ''. Then I told him that the last time I called I asked about the monthly payments and I was told that I would still have to make them. I then told him I under stood why they would n't process the requested documents. They are waiting for the next monthly payment to send them off. They collect another {$150.00} in interest from me and then collect the checks from the insurance companies. These banks have their own fake accounts open and anytime they can skim or steal a little from the working class man by delaying a process or adding a {$1.00} service charge or adding in an extra .01 % interest on one months payment it will get funneled into these accounts and then they will shove that money into a stock or bond and double or triple it. I also said to him that I am not going to pay this coming payment because if they would have sent the documents already, like they were supposed to the account would have been close to or already payed off and I had better not get any service charges for not paying either. 
He agreed but I do n't know if the bank management will.
I called in to IQ Data International to report a credit inquiry that I noticed was on my credit report, I just wanted to know why they had inquired on XXXX XXXX, 2015 when I spoke with the XXXXXXXXt lady she stated that they pull every XXXX months to see if the bankruptcy is actually on there even thou they had received my bankruptcy paperwork and that unless I paid the full balance they would keep inquiring on my credit report although they were showing a {$0.00} balance which is also reflected on my credit report. Not felling like this was fair I wanted to speak with a manger to see why this was. They transferred me to a XXXX named XXXX I explained to him that I was not calling to argue I wanted to know why they were still in my credit report after it had been over 1 year since I filed he said that they never received it however my question to him was why if your pulling my credit and it is showing bankruptcy are you still in my credit report he stated because they can pull every XXXX months this still did n't make sense so I asked repeatedly if you know there 's a bankruptcy why are you looking into my credit report at this point I was getting upset so I asked again and he said mam you lost those privileges when you raised your voice so now he is not giving me any information and is mocking me he then was going to give me the address to send the paperwork to but I wanted to know why I needed to send paperwork if they had already noted the bankruptcy. He hung up on me several times and was extremely rude I asked each time to speak with somebody else and they kept transferring me over to XXXX I am assuming its because he noted on my account that I needed to talk to him only. I apologized to him and was trying to be the bigger person and said please can you let me know the address and what you see on your end when you pull credit he refused to tell me and said you seem to know more then me you answer your own question. He was pushing me to the breaking point on purpose. Overall he was very unprofessional, belittling and does not deserve to be working with the public. His profanity and voice tone were unacceptable and hurtful. I have never been through anything like this before. IQ Datas ' staff should be penalized for treating people the way that they do, they are debt collectors they are there to help people not make this feel like XXXX.
In XXXX, I was informed that a ex-boyfriend was using my credit information to obtain several car loans and furniture. He obtained XXXX car loans, which were all repossessed due to his inability to register them with motor vehicles. At the time, I had a protective order due to past domestic incidences which he served time in jail and was released in XXXX. Because of the protective order, I was contacted by the police when they found the abandoned vehicles to check on my safety, and then subsequently found out about the several car loans and furniture accounts that were opened within a month or XXXX of each other. XXXX of the car loans were taken out at the same buy-here-pay-here dealership, which I 've worked with the credit bureaus to clean up the information on my credit report from all the fraudulent accounts, names, addresses, and more. All but XXXX of those accounts have been removed from my report, since the person was convicted of fraud and sentenced. SCS Credit was the dealership that sold XXXX cars to this individual and has only removed of the loans from my report, despite the official police paperwork that was submitted to them. I have been trying to purchase a home for the last year, but this last fraudulent account is the only issue standing between me and my XXXX home. I just had my XXXX child and would love to be able to purchase a home and this issue has kept me from doing so. Since the information that was used to open the account was all fraudulent except for my name and SSN, they state that they would be unable to speak to me about the account.
Modification involvin g Ocwen and HAMP ; Submitted HAMP ap plication for Streamline Modification to  Ocwen Financial.  This initial package included at least one component of the Initial Package was faxed on  XXXX . Our Attorney submitted a request per the guideline in the Making Home Affordable Program Handbook for Servicers of Non-GSE Mortgages, Version  5.0  As if  XX/XX/XXXX  XXXX    XXXX   XXXX   XXXX  , Pg  71,   Borrowers in Bankruptcy.   Borrowers in active Chapter  XXXX  or Chapter  XXXX  bankruptcy cases are eligible for  HAMP  at the servicers discretion in accordance with investor guidelines, but servicers are not required to solicit these borrowers proactively for HAMP. Notwithstanding the foregoing, such borrowers must be considered for  HAMP  if the borrower, borrowers counsel or bankruptcy trustee submits a request to the Servicer.   In   XXXX   and because of the Chapter  XXXX  we were denied access to any workout with Ocwen. They refused to talk to me or transfer my calls, I was never instructed to submit a Attorne y Consent Letter  and was not advised that they did not have  one  on file.    Ocwen  has not given us clear information about the application other than it is in underwriting. We have been calling and contacting by email but  Ocwen  but there has not been cooperation in the past. Their attorney for   XXXX   XXXX   is involved in the process and insisted we give us Bankruptcy protections in order to have application for Modification processed.   Ocwen has improperly calculated our loan balances, we do not know if there are any misapplied borrower payments because we still have not received a statement. We do not know if the account balance is accurate amounts owed and information regarding how payments were received and applied.   We were not offered any   XXXX   Mortgage settlement offer for workout or modification. We did not and still have not received any statements. We wanted a modification in   XXXX  .   They left our loan sit our there so with no workout options and now threaten Foreclosure when we are nearly done with a 5 year Chapter  XXXX  plan. They are asking the Chapter  XXXX  case be dismissed.    Escrow  Account Mismanagement. The CFPB alleges that Ocwen mismanaged the our escrow account. They failed to correctly process escrow and insurance payments. We paid direct to the Insurance and they are still billing us in the escrow total. Escrow statement notates " FHA '' our loan is not an FHA.   We do not know what the Trustee payments were applied to.
In XXXX of 2007, I signed an adjustable rate note with XXXX XXXX XXXX, XXXX. As part of that Adjustable Rate Note package, XXXX XXXX had originally included a document that said my rate would become fixed after six months. 

Approximately three months after I signed the note, XXXX XXXX went out of business and XXXX became my servicer. As soon as I received notice in the mail that XXXX had taken over my loan, I went to see someone in person to inquire about the changes. 

When we discussed the change from adjustable to fixed rate, the XXXX employee said he knew nothing about that. XXXX then said they would refuse to honor my agreement with XXXX XXXX, and never honored the interest rate change we had agreed on. 

Now Ocwen is attempting to foreclose on me, and is charging interest and fees based on rates that do not reflect the original agreement and grossly overcharge me based on incorrect interest rates.
The deed to my property, XXXX XXXX XXXX XXXX, XXXX, XXXX was transferred and deeded to me in my divorce on XXXX XXXX, XXXX. My ex-husband took a HELOC in XXXX and paid off the HELOC for our divorce in XXXX but did not close the account. In XXXX, he took $ XXXX from the HELOC and stopped making payments in XXXX XXXX. The HELOC lien holder is Capital One ( COF ) and they scheduled my property for foreclosure/auction on XXXX/XXXX/XXXX. I was never notified by Capital One or their debt collector XXXX XXXX XXXX and found out about the foreclosure on XXXX from a realtor that left his business card in my front door asking me to call him. I went to XXXX & XXXX office in Va XXXX at XXXX on XXXX/XXXX/XXXX and they verified that COF was the lien holder. 

After numerous phone calls and telling COF that I would show up with the news media, my congressman and military support ( I 'm a veteran ), I was transferred to the office of the president and able to get the reinstatement fee amount on XXXX and following their instructions, I wired {$3600.00} on XXXX to COF. They received it on XXXX and on XXXX the foreclosure/auction was stopped. 

Ive been informed by COF that they will resume foreclosure action if they dont start receiving payments. 

I reported this to the XXXX, VA police department and they are working with the NC Attorney Generals office to determine which state should pursue fraud charges, as my ex-husband resides in NC. I also sent COF all of my legal documents pertaining to the property.
I checked my credit score recently and saw that there was a hard inquiry done by XXXX on XX/XX/ 2018 on my credit report that was not authorized by me neither was I informed of a credit inquiry being done on my credit report. I later spoke to XXXX XXXX XXXX and they told me they want to know my credit score and then a hard inquiry which I did not authorize also the car that they sold me was a lemon so I took back the car.
I have disputed a XXXX account three times ( XXXX, XXXX, XXXX ) with Equifax. I have included a letter from XXXX stating that this is not my account. I have included the police report I filed to report the fraud.. XXXX took the XXXX account off my credit right away. Equifax has for the third time " verified '' that this is my account. It is NOT my account and I have given them the documents to prove this is the case. This has caused me financial hardship! Help!