WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX. I signed a finance agreement with XXXX XXXX. A couple months later, I received a call from XXXX XXXX XXXX XXXX with whom I had tried to contact because I had not received my title so I could tag my vehicle. The dealership informed me XXXX XXXX had filed for bankruptcy before paying the loan on the car. They said that they would work on finding a new lender and let me know when they found one. Several months had gone by with no news so I tried to call them and was unsuccessful. I had gone out of town for a while and while gone tow trucks were sent to my house and my father 's house. I started looking into the matter and found my car was financed by XXXX XXXX XXXX. I had never signed another loan agreement nor had I given permission for anyone to. I contacted XXXX and requested a copy of the loan agreement and received one 10 days later. I printed it off and could immediately tell that my name had been forged. It was not even close to my handwriting. I immediately called Flagship and told them the signature had been forged. They said to file a police report and get them the case number and it would be dropped. I tried filing one in the town the crime occurred in but the sheriff said I could not because they had so many of these type cases from the dealership that they had turned it over to the FBI. I called the FBI and explained the situation and they told me I would have to give a report to a live agent, so I did. He told me if there was in fact an investigation, they would call me. I never received a call. I filed with the Oklahoma XXXX XXXX XXXX they responded with saying that they could not do anything because the dealership had closed I filed a report with XXXX, they said it was Oklahoma XXXX XXXX XXXX  jurisdiction. XXXX turned the account over to a legal collection agency. I received a letter in the mail saying that if I did not dispute the debt, it would be assumed valid. I responded that it was not valid in the given time. My husband was served with a lawsuit demanding I pay XXXX the amount of {$14000.00}. I responded with an answer and counterclaim denying their allegations and included the original loan agreement I signed showing the vast difference between the signatures. Even though they knew the agreement was forgery they have continued the lawsuit. They started reporting negative payments to all credit bureaus and continue to this date even though they have charged off the account. I traded in a XXXX XXXX XXXX which was never paid for and repossessed so that is also on my credit. This experience has severely damaged my credit and buying power. I also had to buy another car as I could not tag the XXXX or legally drive it. The credit bureaus show I owe over {$18000.00} at the point but they refuse to remove any derogatory marks on my credit or drop the lawsuit. This is extremely frustrating as I never even had knowledge for several months. I disputed the agreement through XXXX who investigated but came back with results that it was reported valid through XXXX.
My mother sent me a text message at XXXX XXXX on XXXXXX2017 giving me a company name and phone number saying they were asking for me. She told the person her cell phone number was not mine and the gentleman called my mother a XXXX. She sent me the company name and 2 phone numbers XXXX and XXXX. I called them immediately and spoke with XXXX, she informed me I had until XXXX XXXX that evening to pay it or they would file paperwork at the court and that I would have collection fees added to my balance. I asked for an email copy of my account which was sent to me. XXXX said that no phone call was made to mother that day. We went over my account contact numbers and removed my mother 's cell phone and my father 's home number while on the phone together. 

Today around XXXX XXXX called my work and stated to my co-worker XXXX she needed our fax number to send over garnishment paperwork. There was no mention of my work number while on the phone yesterday when I spoke with XXXX. I am not allowed to take personal phone calls at work on my cell or work number. I have never received any paperwork from this company before yesterday. 

They are rude and threatening. It should n't be allowed. I am willing to clear up my debt but I am not going to be harassed or lied to.
I placed a call out to the debit collector listed below on XX/XX/2018 ; I informed the creditor that this debit was incorrect, and that I never received a notification that I had a debit in there office. per the rep a letter was sent to a my address ( address was incorrect so I never received a letter ). I informed them that the address was wrong. I contacted the original debit and inquired about the debits. per the the original creditor these collections where sent to the collection agency in error, and they would contact the debit collector and ask for all collections to stop and for these accounts to be taken off my credit report. that was over a month ago. I have reached out to the the original account holder ( XXXX XXXX XXXX ) and they have told me that they already on numerous situations reached out the to the collection agency and asked them to remove these debits from my reports but they have failed to do so. I have also called the collection agency and asked them to look into this, they refused. 

Debit Collector TRANSWORLD SYSTEMS XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX
My mother purchased a home in XX/XX/XXXX. About 10 years ago, CHASE bought the loan from the previous mortgage company. For the past 20 years, my mother has had trouble paying the mortgage payments. However, CHASE has my name shown as the co-borrower for the mortgage. I was only XXXX years old when my mother purchased the home and I NEVER filled out or signed any mortgage papers. My mother had my name placed on some of the papers as the beneficiary just in case something happened to her. I am NOT nor NEVER was a co-borrower or owner of the home. I 've tried several times to have my name removed from the mortgage loan, but the XXXX credit bureaus continue to reflect CHASE on my credit history as a borrower for the mortgage. In XX/XX/XXXX, my mother went to the XXXX XXXX XXXX of Deeds and have a Quit Claim Deed done to remove my name. The home is commonly known as XXXX XXXX, XXXX, Michigan, parcel identification XXXX. The CHASE mortgage case number is XXXX. I am applying for jobs and this issue with CHASE is contaminating my credit history. I should not be held accountable for my mother 's mortgage loan and a home purchased in XX/XX/XXXX.
I sent a letter explaining that my cell phone bill was paid in full. The final bill was {$170.00} which was paid and proof provided to the company. I received another letter requesting for demand for payment of bill. This was created after my account was closed and paid in full. This is the second company trying to collect on a closed account. I provided the first company the same bill and bank information showing the account was paid in full. this company sent a bill i never receive and was created after a had already receive and paid my final bill eve before i receive notice from Sunrise credit services inc i was receiving demand for payment they call XXXX years old mother in law being rude and UN professionaXXXX NOW I RECEIVE A LETTER FOR DEMAND FOR PAYMENT FROM XXXX XXXX XXXX NOTE MY ACCOUNT WAS CLOSED IN XX/XX/XXXX AND THE BILL IN QUESTION IS FOR SERVICE PROVIDE IN XX/XX/XXXX WHICH MY ACCOUNT WAS CLOSED WITH NO PAST DUE AMOUNT DUE NOTED IN THE LETTER FROM XXXX XXXX XXXX WHICH I PROVIDE A COPY
I would like to be provided proof I consented to this inquiry for " XXXX XXXX XXXX via XXXX XXXX  ; XXXX XXXX XXXX via XXXX XXXX XXXX ; XXXX   XXXX  via XXXX ; XXXX  ; XXXX XXXX XXXX ; XXXX ; TRANSUNION XXXX XXXX XXXX ; TRANSUNION CONSUMER INTE ;
At the advice of my CPA, I decided to apply for an American Express business card. On or about XX/XX/2018, I provided American Express an inordinate amount of personal/non-public information about me and my business. After 45 minutes the young lady told me that I would recieve a card in seven days.

The card never arrived and when I called Amex to find out what happened, they informed me that they no record of the appllication. They stated that they would create a case and call me within 48 hours. This never occurred. I called them a week later and they had no record of " the case '' that they assigned to me. 

I am concerned that I provided them with a large amount of private/non-public information about myself and my business and they can not tell me where it went.
Citi Credit Card disputes keep sending me documents when they have not read the letter and emails I have sent them about this dispute with XXXX.
I cosigned my brother in law 's home loan in early 2007. later that same year, on XXXX 2007, he refinanced the loan with Bank of America in order to remove my name from his mortgage. He Signed and Closed the Loan, as sole borrower, on XXXX XXXX, 2007. when this new refinance Loan was " filed '' with the County Clerk XXXX XXXX XXXX XXXX, A different loan closing document was used. this different document had my name added and my signature forged. furthermore, a notary falsely stated that " i appeared before her '' to sign said document. what is even more troubling is that the pen inked handwriting and signature matches the notary or whoever created the forged document. The very reason for the refinance loan was to remove me as a borrower. this type of blatant forgery and falsification is unacceptable from any financial entity, let alone a XXXX Bank. The only way i found this out was because my brother in law is losing the property on foreclosure, and i now have lawyers serving me court papers as if i am still involved in said loan/property.
On XXXX XXXX, 2016 I attempted to use my Citibank ATM Card to withdraw money when traveling in XXXX. I tried it twice at XXXX ATMs close to each other, once for {$8000.00} XXXX and then once for {$6000.00} XXXX. Neither time was money disbursed. I then went back to my hotel and got a different card from XXXX XXXX. I attempted to withdraw money again on XXXX XXXX, 2016 at another ATM with my XXXX XXXX card and funds were disbursed. I complained to Citibank and logged a dispute. Citibank gave funds back for both ATM issues that transpired on XXXX, XXXX, 2016, on XXXX XXXX, 2016. On XXXX XXXX, 2016 Citibank charged back the {$6000.00} XXXX dispute credit ( {$340.00} USD ). I called and complained and again Citibank gave back the funds. On XXXX XXXX, 2016 Citibank again charged back the {$340.00} USD.
I was having installment payments withdrawn from my banking account by the original creditor ( CITIBANK , N.A . ) concerning debt in question. 
Citibank , N.A . has unethically, unfairly, and fruadulently reported unwarranted debt information to XXXX XXXX XXXX concerning my account.
I've called all 3 credit bureaus about these hard inquiries that appeared on my credit score.  I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago. 

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 >XXXX >XXXX   >XXXX >XXXX >XXXX >XXXX >XXXX >XXXX >XXXX >XXXX   >XXXX >XXXX
I received a letter from McCarthy , Burgess & Wolff, their reference number is XXXX. They are representing XXXX. I have never done business with that company. McCarthy, a debt collection company, claims that I owe XXXX I called them and told them that I did not do business with this company and that I will not pay this bill as I have never done business with XXXX. I continue to receive letters From McCarthy , Burgess & Wolff. Whom ever incurred this debt in my name is a criminal and the victim, XXXX, should file a police report in the proper jurisdiction. I am not responsible for this charge. 
Respectfully, XXXX
I am a small business owner and in between XXXX I had to take a great loss as XXXX came across the street to my newly purchased XXXX in XXXX, XXXX Not even that I had to close the XXXX but also had to pay for the removal of XXXX. Well for that reason I could not pay my Federal and State Taxes which I end up paying all of them with the penalty. Those tax liens still show on my credit report with XXXX of them as un-paid due to this I got denied earlier this year when I try to Re-finance my mortgage and again now when I applied for a small business loan. I tried to contact Experian, IRS and State of PA and all verify the paid status but Experian is unable to provide me a reason for my XXXX credit score. This is effecting my life immensely and I am requesting a resolve to this situation, thanks.
I sent in my payment for XXXX 10 days ago and it has NOT cleared my checking acct as of this writing. This is very strange as I have never been late nor missed a payment in over 10 years.I believe they are sitting on it to make me look bad because I have NOT accepted their offer for a loan mod with a new lower payment. I have NOT accepted their offer because they refuse to explain the amounts involved and because they are mad at me for contacting the CFPB with a complaint. This is my second complaint to you. 
In my opinion, Ocwen is shady and unethical at best and a scam at worst. This is my opinion. They provide NO information to me after repeated requests. They stonewall and obfuscate. I do NOT understand why they will NOT provide me specific information on the loan mod they offered which I have NOT accepted as of yet. Please assist me in obtaining the required info or at least investigate them for unethical business practices.
I recently sent {$100.00} to a guy who I sort of know and he told me in writing and over the phone that I would get paid XXXX in return. Now that I have sent my share he has not sent mine in return. I am highly upset. His reason for not sending it is because he went out that night. Which is not business.
I have disputed a XXXX XXXX Credit Card account on my XXXX XXXX, and Transunion accounts several times. Each time I dispute the discrepancies for the last day of activity, close date, and payment history, and the disputes are returned as verified. I have sent a dispute online and also mailed a dispute letter requesting validation of this account. XXXX, and transunion has failed to investigate this account and continues to report inaccuracies on my credit report. 
According to my research, XXXX XXXX is reporting to Transunion : a closed date of XXXX/XXXX/XXXX, high balance of XXXX}, and last date of payment XXXX/XXXX/XXXX, but no payment history. 
XXXX is reporting no close date, date of last payment XXXX/XXXX/XXXX, and no payment history. 
I am concerned that these accounts may not belong to me and/or the reporting to the credit bureaus may be inaccurate. XXXX XXXX has failed to provide any validation of this debt so I am submitting a complaint.
I have had my loans since XXXX. Started with a balance of approximately {$30000.00}. It is now XXXX and I owe over {$32000.00}. I have paid them different payment amounts each year, 4-5 years anywhere between {$36.00} - {$120.00} since it varies due to their plan and my income. How am I ever going to pay them off if out of this entire time and I can't seem to ever lower this balance. Instead it continues to increase rather than decrease!! This is a total scam these people have and someone needs to do something about it!!! 
Nobody there seems to be able to give me a logical explanation as to why the balance has not gone down at all.
My mortgage loan was transferred to  Bayview Loan Servicing LLC  in  XXXX   2017  for a modification application. I was told by Bayview representative in  XXXX  the process would take 30 days or less for underwriting to make a decision on my loan modification. We are now several days from  XXXX , yet no one from Bayview has contacted me either by email, mail, or phone call about the status on the loan In weeks. In the meantime, I tried making a mortgage payment but my mortgage company said I had to make payments directly to Bayview. When I called their automatic phone service, I was n't Able to make a payment. I 've left many phone messages, emails, and letters by mail asking them to call me for an update, and explaining how to make my mortgage payments. I have n't heard from anyone from Bayview. My credit report shows late payment from mortgage. Also, I mailed a check for payment to  XXXX  Texas address but payment was not applied to my checking account on time.
XXXX *********** XX/XX/XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; This is not my NAME : XXXX please removed XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # {>= $XXXX} XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX this is not my name : NAME : XXXX please removed XXXX *********** XX/XX/XXXX XXXX FL XXXX
Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off. 

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to XXXX to change or remove this information and yet it still remains. 

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!
I need a security alert and freeze removed from my account and credit reports. I attempted to reach out to the credit bureaus and nothing was done. They refused to remove them immediately.
I signed up for a credit card with Best Buy some years back at the XXXX, Florida store location. I noticed I have been being charged for a " fee '' called Enhanced Debt Protection plan. This plan is approximately a dollar a day. <P/>I called Best Buy and wanted to report this as fraud for which I was denied this right with them saying I had signed up for this plan. I also spoke with Citi bank who the card is through and also asked to report this as fraud and they also denied me the right to file a fraud complaint saying because I had signed up for this plan. Again, I told them I had never signed up for such a plan. I also called this so-called Enhanced Debt Protection plan number and had them to cancel this immediately and informed them I had never signed up for any such plan and that these were fraudulent charges and demanded that I receive a full refund. I was told that they would cancel this plan but it would be thirty days before I would get a letter in the mail saying if I would get a refund or not. I asked for an address for Enhanced Debt Protection and a phone number and was given a post office box in Texas and was told there was no other physical address of phone number to reach them. <P/>I sent an email to the Best Buy XXXX, Florida store tonight asking for help in this matter as well. I asked that they try to find my application and make sure there was not a glitch or a mistake or that someone had made a change in my application. <P/>I have seen online, after searching for an answer to my problem to see if others had the same problem, where this was a problem for many and they have said they also never signed up for these plans. <P/>From what I have read online it appears that this has been going on for quite some time now. I want my money refunded. This is purely a fraud/scam. <P/>Also, there is no email to reach Best Buy corporate available on the Best Buy website. I am tired of calling and getting no where on the phone with people. I want to start putting everything in writing.
XXXX and my divorce started in XX/XX/XXXX. She had sworn that she would bankrupt and ruin me prior to filing. Ever since filing she has made my life XXXX Filing false XXXX   charges ( all dismissed and expunged ), having my kids and I thrown out of house, changing my mailing address, contact info, spreading lies on social media about me ( ultimately getting her XXXX for harassment ) Most recently learning she had been having my mail forwarded to her new address at XXXX XXXX XXXX XXXX. I was informed that this was her address by the police officer when making the report after discovering address on my XXXX XXXX  and XXXX  bills. My car was repossessed, mortgage had gotten soo far behind that I had to modify it to keep it. I have debts and collections on my credit that I did not know even existed. She has been XXXX for harassment, tried having me beat up/and or XXXX  by various people, and has attempted getting me fired for false charges made on me as noted above. The time and expense and credit issues I have incurred by this fraud has severely crippled me, making it difficult for my children and I. I am hoping to have my credit restored at least.
I was really surprised when I found a late payment [ XX/XX/2017 ] on my credit report. 
I don't know how this has happened. I make my payments to you when I receive my statements. My only thought is that my statement did not get to me.
I am filling this complaint agains XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX TX and Attorney XXXX XXXX. They are suing me for a debt for {$2900.00} for a debt that is not mine. I being serve 2 time in my house & 3 time by mail for the same debt ( cause no. XXXX XXXX ). The  harassment does not ending. I mail them at the address above the following I provided them with copies of my 3 credit reports from the mayor credit companies which clearly show that there is & never being collections, late payments or nothing negative in my credit reports. I provident with copies of my XXXX going back 20 year of my XXXX   XXXX showing the that my SSN is not the one they are looking for. Copies of my last 3 security clearance going back 15 year ( in my line of work I can not have credit problems or I be dismissed ). The name of 12 persons in my area that have my same name or a variation of my name. They dont stop.
It shows that this account was opened on XX/XX/2017. 
Collection company states that i owe {$1100.00} to them which i do not owe them nothing. 
I tried to contact them numerous times but they have not responded. This is not my dept. 
I asked to show me proof but i have not received a reply. Please remove this account immediately.
This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,    2017  {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   XXXX