WillisBack/dataset-financial-user-claim huggingface dataset:
There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX. Mine is XXXX. I have never lived in XXXX or XXXX CA. 
I have had this problem for over 20 years. 
He owes back child support. I am XXXX with no XXXX. 
Please help Thank you
I checked my credit card statement online and discovered two {$10.00} fees for cash advancement purchases. I called JP Morgan Chase Card Services and they told me that there was a new policy in effect that categorizes online purchases from a crypto currency " XXXX '' exchange as a cash advance. I made two purchases with a Chase credit card on XX/XX/XXXX and XX/XX/XXXX. I had previously purchased a minimal amount back in XX/XX/XXXX, and was not charged a cash advance fee. Chase made a change to their cash advancement fee policy overnight without ever informing consumers. I only found out after the charges were already assessed. I further learn that the charges are not covered under a " grace period '' so, whether I pay off my bill early I am still charged interest. I called Chase and requested the charges be removed however, they refused but acknowledged that the policy change was not distributed to consumers.
I had a capital one credit card ending in XXXX, on XXXX XXXX XXXX there was a fraudulent transaction of {$250.00} on my credit card, I did speak with someone in the Capital one Customer care but they are refusing to address my complain and bring a solution to it, they said someone will call me back soon regarding this problem but no one called me.
This is an update to my complaint that was filed on XX/XX/XXXX. Upon learning of this debt from a bank levy, I have contacted the company numerous times and also the court officer who advise me to contact the debt collection agency. My bank account was garnished for the total amount of the debt from 2 separate bank accounts ( TWICE ). I have contacted the company to validate the debt which was from XX/XX/XXXX. They only told me I was notified and " they attempted to call '' but when asked what number did they try to contact me, they responded " they called. I was never notified of this judgement from XX/XX/XXXX properly and can prove my addresses over the years. The money that was levied was also funds that I received for my daughter from Social Security. I was told from a representative from the company to provided bank statements, proof of the social security funds and then I was told to disregard sending in the information and to call back later in the week. I only have a docket # XXXX XXXXXXXX XXXX. This account was not handled properly and I want them to release the funds that was improperly took from BOTH accounts. The count officer suggest that I follow up with the courts to have the money release. I'm sure the company can see that they took the money from two different accounts. Please prove that I was notified of this judgement, because I can prove that I was not notified properly.
We were facing a health and employment ( overlapping ) crises in XX/XX/XXXX, and when we asked the bank to refinance, they refused. We were forced to stop mortgage payments, which were locked at a particularly high rate, in order to cover our medical and day-to-day expenses. As of XX/XX/XXXX, we resumed employment, and the bank commenced a long, drawn-out process of loan-modification application that was both tedious and confusing. They would send us conflicting documents and information, send multiple requests for the same information, and generally kept putting off a loan-modification offer. Finally, in the late-winter of XX/XX/XXXX they agreed to a trial period, where we made a series of 3 payments. These were all on-time and paid in full. On XX/XX/XXXX, they offered us a loan modification, which clearly stated that if we have any questions, we must refer them to the bank by XX/XX/XXXX. However, when we asked clarifying questions on XX/XX/XXXX ( to understand the terms of the loan, as any responsible consumer should! ) they rescinded the offer. Further, they later claimed that we REMOVED ourselves from the loan modification program, which we NEVER did. In fact, our letter ( attached ) CLEARLY states that we are/were eager to get back on board with the bank and would like to begin payments and a renewed agreement. This letter never received a reply. We subsequently re-applied in XX/XX/XXXX and were denied, with no explanation. We subsequently turned to a non-profit agency to assist us in understanding why we were denied and in submitting a new application, and the bank refused to work with the non-profit agency and refused to entertain a new loan-modification option.

In brief : the bank has given us repeated mixed-information and has not entered good-faith negotiations to turn our home into a performing asset.
XXXX XXXX XXXX truck from XXXX XXXX towed a truck that was parked in XXXX XXXX XXXX, in XXXX XXXX, California. According to XXXX XXXX XXXX truck was charging me {$30.00} per day. I never went back to XXXX XXXX XXXX truck to get my truck out. Instead I sing the pink slip releasing my property to XXXX XXXX XXXX. In addition, XXXX XXXX XXXX sold my debt account to Finex Group, LLC. I feel I should not be responsible for The {$2300.00} debt that Finex Group is charging me cause I had release my truck to XXXX XXXX XXXX. Last, I do n't understand why they had to sell my debt to a collection agency.
Insurance Claim on Primary Residence. Mortgage Company mishandling my funds for repair of loss.
I've had repeated calls from different numbers by Diversified Consultants trying to reach me the last few weeks. They've been very evasive and/or defensive whenever I ask questions as to who they are. Some have refused to tell me who they work for, some of them tell me they think their first & last name is good enough, even though I don't know their names. I've told them today, XX/XX/XXXX, to send me a letter in the mail if it's really personal. He got really defensive and rude over it, telling me he told me his first and last name. I've looked at my credit history on XXXX XXXX & i'm not seeing anything from this debt collector on there.
I have requested Transunion XXXX supply me with documentation of their verification of the Bankruptcy on my credit file. Transunion Credit Bureau and XXXX Credit Bureau need to provide me with copies of all documentation associated with this Bankruptcy account bearing either a court order to place this information on my credit report or my authorization bearing my signature. This is the third time I have asked for said documentation from Transunion and XXXX. As of today XXXX/XXXX/2017, I have received nothing from Transunion or XXXX. <P/>Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau.
XXXX   XXXX   (  XXXX  ) keeps contacting me saying I owe a debt for a closed business. I have told her the business is closed and I do not personally owe. She ignores and keeps threatening me. I have requested documentation several times, but she does not provide. I have copies of emails of her threatening to sue me and my ignored requests for documentation.
I XXXX XXXX along with my wife XXXX XXXX have worked diligently to get our mortgage back on tract, and we were successful doing so. We are very pleased when Ditech approved our mortgage modification and they even set aside a large portion of the mortgage into forbearance. We have been making our mortgage payments by XXXX XXXX at a local XXXX. However, the payments, which were made in cash were never processed by Ditech, We are sure that there was a problem posting our payments through XXXX XXXX. However, we are now being threatened by Ditech that we have not made our payments and that our home was being placed back into foreclosure. We have not missed any payments and this has to be an accounting problem. We post this problem through the Consumer Financial Protection Bureau as we need Ditech to treat us fairly and to get the accounting problem resolved as quickly as possible. My wife and I do not want to go through a difficult modification process again, but to maintain our current mortgage payments and to have our final modification papers delivered to us as quickly as possible. As I stated earlier, we were both very grateful to Ditech for the help they showed us in getting back on our feet, and we desire to keep it that way. WE will do whatever is necessary to help Ditech resolve this problem, and all payments can be made from now on by regular check instead of XXXX XXXX. In that fashion a cancelled check will always be available to prove that payments are being processed properly.
Pay Pal credit keeps contacting me regarding a debt I did not incur. I NEVER OPENED NOR EVER HAD ANY PAY PAL ACCOUNTS. I keep conveying this information to them, but I keep being contacted.
I was not told clearly what so every about my loans and how they needed to be re-payed. 

They also change my loan payment amount every year and do it without notice or warning. 
I have been lied to and mislead.
i paid a company called XXXX a total of XXXX on XX/XX/2014 i paid XXXX and on XX/XX/2014 i paid XXXX i contacted my bank citi master card and explained the situation with different companies and proved to them i was part of collusion by these companies.i provided citi all the information they requested.i received what i consider a form letter of denial.i sent so much proof of no services rendered there is no way in the short period of time i received my denial letter citi could not have done a thorough investigation on my behalf.i think i deserve better service than that.
I bought a fixer upper and was convinced to use a XXXX Loan program by telling me false claims of the programs ability and features. The Mortgage officer lead me to believe I had to use a contractor off a supplied list and this gave the bank a special relationship to work with them concerning schedules, deadlines and any disputes, these were all lies. Now that I 'm XXXX years in to a project I was lead to believe would be 6 months or penalties would be assessed I have a unlivable home in need of XXXX in structural repairs to the new construction that was done incorrectly and another XXXX in new damages. The bank said good luck with that and they are n't going to help and they do n't have any resolutions and mitigation abilities as I was told.
In 2008 I was in a car accident which caused me to go to court pay restitution. All off the restitution and court fines and fees were oaid promptly ( mostly out of my bail money ), Since my monetary commitment to the court was taken care I thought I had taken care of at least the monetary portion of the " punishment ''. After 3 years all the charges were dropped to misdemeanors and I waited the 5 years that they suspended my license at which point I thought I could reapply for the driving test and get my license back but instead I was told that I owed the DMV over {$1300.00} in fines and fees. This was never discussed before or else I would have taken care of them with the rest of the fines and fees of the court. Instead of telling about them either through the phone or the mail they instead waited a whole 72 hours and then gave them to a collections agency which has been accruing interest over that past 5 years.I was told that if I made a {$250.00} payment to this collections agency they would allow me to take the test as long as I agreed to make monthly payments to the collections agency. This seemed wrong to me.
American Express continues to approve my credit card applications and then before the card is mailed to me, cancel the card, claiming that I have " abused the error billing process. '' The accounts that they claim abused the error billing process were fraudulent and American Express has since removed them from my credit file ( per the attached response from an earlier CFPB claim ). 

That said, my applications are still being approved but then cancelled. I demand American Express rectify this on their end immediately and allow me to open a credit card, given the accounts they claim abused their error billing process have been proven to be fraudulent and have since been removed from my credit file.
I contacted 2 mortgage companies for a refinance. Bank of America was one. I chose to go with Bank of America because I have all of my finances through them, including retirement, and they were able to match the quote from the other bank I contacted. They took their time processing the documentation that was submitted, then all contact from them stopped and I was assigned a new loan officer without any notice. My closing documents were updated with a significant increase in closing costs, including points ( the original closing docs did not include points ). I reached out to the new officer via phone, and my previous loan officer asking about the change and asking for it to be reverted. They ignored me for some time and we missed the original closing date. Finally, after contacting them again several times, I finally heard back from my original loan officer and he assured me the the closing costs were accurate based on what I was paying for taxes, and that the points had been removed. I confirmed that the closing document had been updated again with the removal of the points, and proceeded with the closing. The closing documents were NOT updated again on the mortgage portal, yet the ones I signed included points. After closing I realized that the contract I had signed included points, and I contacted my loan officer. He explained that the closing documents had again changed after my conversation with him confirming that no points would be added. He explained that because the loan took so long to close they had to add points in order to keep my original locked in rate. I was constantly asking them what the problem was and there were not held up through anything from my side - the delay was entirely Bank of America 's fault, and I told the officer that I should not have been charged points when they did not notify me of the change prior to the closing date. They clearly pulled a bait and switch, hoping that I would not notice the original terms had changed. I submitted a review on their internal loan satisfaction survey and selected the option that requested Bank of America contact me to resolve the issue. That was several weeks ago and I still have not heard back from Bank of America.
Transunion continues to report inaccurate information concerning my credit file. I am fed up with it and i have proof. I have disupted my address is XXXX XXXX XXXX XXXX. I have sent proof and it matches my drivers license. Yet inaccurate address continue to be reported.MY RIGHTS AS THE FCRA SECTION 623 ( B ) IS BEING VIOLATED PURPOSELY.

THe only address that should be listed on my credit file is XXXX XXXX XXXX XXXX XXXX TX XXXX 2. XXXX XXXX XXXX ACCOUNT # XXXX shows date opened of XX/XX/XXXX it has a balance listed of XXXX its listed as a charge off and date closed of XX/XX/2015. How was this verified with a blindfold? How is the balance higher than the high balance. How was the last payment made on XX/XX/2015 if it was closed XX/XX/2015. THIS IS ALL WRONG NOT PER PROMISSARY NOTE PROVIDED BY XXXX XXXX XXXX 

TRANSUNION HAS BEEN REPORTING THIS AS VERIFIED!!! HOW CLEARLY IT SHOWS THAT THE PREVIOUS BALANCE IS XXXX AND IT SHOWS 4 PAYMENTS OF XXXX MADE. NOT 32? IT CLEARLY SHOWS THIS WAS PAID OFF. WHY IS IT STILL SHOWING I OWE THIS COMPANY??? THIS NEEDS TO BE DELETED AS SOON AS POSSIBLE BECAUSE IT CLEARLY WASNT VERIFIED. 

3. XXXX ACCOUNT # XXXX I HAVE NEVER BEEN 60 DAYS LATE ON THIS ACCOUNT PLEASE UPDATE
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is 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 required to notify me no later than  30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to  locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.
A collection from DEVILLE MGMT showed up on my credit report. I have not outstanding debt. I tried to contact them but the information on their website is just puts you in a holding pattern and no one answers. Also no communication about the debt just showed up on credit report as mixed CC???
I checked my credit information with Equifax. After being throughly identified, saw my report, and tried to alert Equifax to the incorrect information. The website will not accept my correction because I submitted, " incorrect characters ''. I checked, double-checked, and had others in the room check my submission. ( There were NO incorrect characters. ) So, I am unable to even alert Equifax there is a problem with my credit report. 

It is so easy for various entities to add information to one 's credit report, but near impossible for the individual to make corrections. I know companies have no incentive to make corrections that negatively impact consumers unless there are specific monetary fines involved in their inaction. Since consumers pay for inaccurate information on their credit reports, how about making credit reporting agencies financially liable for maintaining INACCURATE information, after the consumer attempted to make corrections? 

Equifax does not make their contact information available on their website.
I receive repeated phone calls throughout the day from Transunion for a debt that was paid in XXXX. I personally spoke to a representative and so did the doctor 's office to tell them the debt had been settled. This was in XXXX. I have received at least one call almost each day, and other days there are 3-5 calls. I have not received any statements of said debt, so I have reason to believe they are harassing me.
My Issue Is with This Collection Agency Southwest Credit System. The Company Keeps Putting the Same Fraud Account on My Credit Reports thanking I wo n't Catch it when they Sneak and try to put the Account on my Credit reports. The Company Has known that 's it 's a Fraud Account for A While Known. The Original Company XXXX Did n't Hold Me Responsible to Pay off A Fraud Account that Was n't Open by Me, But This Collection Agency Want to Hold Me Responsible Since They Bought This Fraud Account, And Keep harassing me to pay for this Fraud Account. I 'm Not Responsible for.
They say they are from Fitzgerald and associates XXXX. They will not tell me what it about just that i owe money. They refuse to create paper trail or provide information. They will not provide me anything in writing. They threatened to take my car away. They called me on my cell phone at XXXX on XXXX. They called me at work on XXXX and i asked them not to call me here. They called again on XXXX i asked them not to call me again.
I have been trying to get a I-Refi loan since XXXX XXXX of last year! This is over 8 months ago and I am still waiting! The Loan Officer who is handling my loan application has not responded to my text messages or phone calls since the middle of XXXX of this year! I have even reached out to the government agency that is in charge of this program ( the program allows for homeowners who are upside down on their mortgage grand money from HUD to pay down up to $ XXXX of this. The agency in Illinois is XXXX ). 

Original the program calls for the consumer to put out only an appraisal of the home at a cost of {$400.00}. XXXX certified only a handful of loan companies for this program. One of which was XXXX. 
I have been through 2 appraisals of my home and one reinstatement appraisal because of these huge delays! I have paid out {$750.00} and the loan company has paid for the other appraisal. I have produced volumes of documentation over these past 8 months, verifying and re verifying every document they have requested!!! I keep getting the runaround. They keep blaming it on the underwriters, saying they keep asking for additional documents, etc. Each time I upload the request to the system something else is in question! I am about to XXXX out over this loan! I have kept every email, text message, and document I have been requested to produce. 

These unnecessary delays has cost me thousands of dollars over these past few months. Not only has the interest rate on my loan been changed from XXXX to XXXX ( thousands over the coarse of the loan, I have both disclosures ), but I estimate that based on a 2 month loan process I am losing {$450.00} a month. {$450.00} a month for the last 6 months ( {$2700.00} ) plus the additional {$350.00} reinstatement appraisal fee and the additional increase of XXXX percent on my loan is my financial loss. 

The name of the lender is XXXX in Illinois.
I applied for a capital one XXXX business card for an llc for which I am a member. The card is now reporting to my personal credit report. I called capital one and they said they would switch it to the company credit report. However, they called me weeks later and informed me that they added the TIN to the card but will not remove it from my personal credit. This is not a personal debt. It is the debt of the company, XXXX XXXX XXXX, and paid for by the company. If it were a personal card, it should not have been marketed as a business card and to the business with the business name on it and reporting to the business credit report. If it is indeed a business card, then it should be taken off my personal credit report. One of the other llc members also has a XXXX business card, that includes me on it as well as the business name, and capital one will not allow me to close that account because they are saying that is her personal card, even though it has the company name and tin attached to it also.
AMEX has listed I was past 30 days late and I was not all payments were set up on automatic payments. Please remove this false remark
Experian refuses to delete a fraudulent account that has been reported to the alleged creditor as fraudulent, and which the alleged creditor has agreed is fraudulent and removed from its records. The creditor is XXXX XXXX and the Account Number is XXXX .... Experian refuses to remove it even though I have given Experian the fraud file number generated by XXXX XXXX.