WillisBack/dataset-financial-user-claim huggingface dataset:
A company called Portfolio Recovery from XXXX Virginia has repeatedly called me about a debt that did not belong to me. On XXXX call they told me it was about a XXXX charge account. I told them they have the wrong person and that I have never had a XXXX account of any type. I have told them multiple times this debt does not belong to me and have asked them to stop calling me and to not contact me again. They have called XXXX times in the past several months, starting in XX/XX/XXXX and continue calling, despite being told not to, in opposition to the federal Fair Debt Collection Practices Act ( FDCPA ). I have also notified them that I am on the National Do Not Call List and I do not wish them to call me again. In the month of XX/XX/XXXX alone, I have caller ID records indicating they have called XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. This has been ongoing for the past several months, despite my telling them multiple times not to call me and that they have the wrong person. They said they are an authorized debt collector in Virginia and that in order for me to stop them from calling, I need to write to them at a XXXX XXXX they provided and send them my social security number. I told them I would do no such thing and that under Federal Law they must cease calling me now that I have asked them, more than once. I asked for a Supervisor and repeated my request, and was hung up on.
XXXX 2014 I have my mortgage service by OCWEN LOAN SERVICING LLC . When I went to file my taxes I find out that I did n't received a mortgage interest from OCWEN, so I called them and provided them the account # from my statement and they keep telling me that the account number does not exist and so is the property address, I called XXXX times and thats all I here from them and they do n't seems to help me out. I feel so frustrated and the fact that I have XXXX weeks from the deadline for filing my taxes.
In 2013 a good friend was killed XXXX. Hiswife was not working, did not have a bank acct. or driverslicense and was totally dependent on him for her and herXXXX teenagers support. He had several insurance policies, onepaid out {$70000.00} immediately and she was sent checks todraw from a brokerage account, but with no ID she could donothing to access it. I offered to deposit some of the draftsinto my checking account and give her the cash when theycleared. Then I cashed XXXX checks totaling {$7000.00} over a XXXX dayperiod and the bank made the funds available the next day. 
I had been doing this for months and nobody thought shehad either spent {$70000.00} yet or would write worthless checksas there had been no problems to date. Then the XXXX checksbounced and she would n't cover them. She had a check foranother {$70000.00} in hand and upwards of a XXXX dollarscoming. I informed the bank and filed charges and after I worked very hard with the XXXX XXXX, Texas XXXX office I got the funds repaid. Every penny, the XXXX XXXX XXXX XXXX office sent the check directly to the bank made out to me, and Compass Bank collected everything owed them and gave me the rest. They seemed grateful to me at the time and told me while they had to close my acct., no negative report would be issued by Compass Bank XXXX There is nothing ambiguous in that statement, nothing open to interpretation or given nuanced meaning. And something else not open to interpretation is the fact Compass Bank made the funds available before the checks had cleared. I in no fashion coerced or forced Compass Bank to give me anything, I do n't have access to their vault or any means to get money from them they do n't willingly give me. The bank 's security department went over several these transactions exhaustively at the very beginning and only approved them after an exceptionally thorough and very intrusive vetting and interview of me and this person to assure that neither of us had any ill intent in these transactions. After time I did request that the bank lessen the hold time on the deposited checks but the decision to do so was entirely theirs. The transactions were totally transparent, at no time did Compass Bank not know everything I did regarding these transactions. So how can Compass Bank, not their Loss Prevention Department since the public sees them as a single entity, how can BBVA Compass Bank issue to the world, defend and refuse to retract this libelous and defamatory statement about me in their " contribution '' to my file at XXXX regarding the closing of my account : " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner ''? I have opened XXXX bank accounts in thelast 2 months, only to have XXXX XXXX cause them to be closed2-3 days later. I am a XXXX, I ca n't survivewithout a bank account and these two companies havenearly broke me. I have lost XXXX ofdollars in actual and potential income because they willnot correct a mistake.
I have been disputing items on my credit report with these bureaus for years. Nothing has gotten removed at all. I was and still am a victim of identity theft. No one has verified any information or anything verifying that the accounts are mine, which they are n't. I need these items removed asap. The items on this bureau that need to be removed are : both bankruptcies, all inquiries except for 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 XXXX XXXX XXXX does not belong on my credit report. I have never, ever lived there. 

Also regarding TransUnion, my name is XXXX XXXX, not XXXX XXXX. 

I need assistance in getting these items off of my report as they should not be on there and they do not belong to me. I am a victim of identity theft/fraud. If they are not removed I will be filing lawsuits immediately.
While reviewing my XXXX credit report of XX/XX/XXXX, and XXXX of XX/XX/XXXX, I noticed that CITIBANK NA employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not authorize and/or consent to anyone employee of CITIBANK at any time during this relevant period to view my credit report, absent which this is in clear violation of my Privacy Rights and FCRA Section XXXX b ( c ).
My mother passed away. She had a checking account/business account for her class reunion expenditures. She is the only person listed on the account. I have submitted a death certificate, copy of the will to prove that I am executrix of her estate, and all requested documentation. I was allowed to close all accounts at Wells Fargo except for this XXXX account. Five years later, Wells Fargo has still denied me the right to close this account. I provided the documentation for the third time in five years and the account remains open. They mail me a statement every month. This is torture to know that I can not close the account and stop the mail that is addressed to my mother. I am disappointed in the number of times that I have submitted information to the bank to have them respond with the " account is under review ''. She had been dead for five years. She will forever be the only name on this account. I am eager for a resolution to this issue and for the statements to stop.
I SUBMITTED A DISPUTE TO TRANSUNION FOR COLLECTIONS PREVIOUSLY DELETED FROM MY CREDIT FILE, THE RE-ADDED. I AM NO LONGER LIABLE FOR THE DEBT AS IT WAS PAID BY MY INSURANCE CO.
I called after receiving letter.. verified income and then verified current budget.. offered reasonable payment of XXXX $ per month for XXXX worth of collection due to being primary income and hardship. No negotiation. stated I can pay the current amount suggested but they would continue with action against me. 

i stated I was willing to set up settlement or monthly payment. They were not willing to do either. I stated I would like to avoid court costs and negotiate terms. They stated they would not be willing. 

Phone call XX/XX/2018 XXXX XXXX
this been going on for some time, MO AG office resolve this, as the debt not mine back 2012
XX/XX/2017 I have tried both online and over the phone to freeze my credit records ( for days ).  In both cases with XXXX and TransUnion the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX  over the phone, however, their was a {$10.00} charge.
My credit report shows XXXX accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX XXXX ( Closed ), '' which was opened XX/XX/XXXX. I disputed these accounts with all three major credit reporting agencies but either didn't receive a response or was told to take my dispute elsewhere.
My name is XXXX XXXX, and my Spouse is XXXX XXXX, who is not on the Mortgage, but is a contributor to our living expenses. We were both forced into retirement because of XXXX condition, and would have applied for a Reverse Mortgage, however, we are upside down on the Mortgage. 
We applied for a XXXX Modification with our Lender, Ditech and we were told in a letter dated XXXX XXXX, 2015, that we are making too much money and there are no hardship, simply because we have been using our savings to remain current. DITECH use a technique, to 'GROSS UP '' our Social Security Income of {$1600.00} to {$2000.00} making us unqualified. 
We we questioned this technique, they said in another letter, that XXXX XXXX is the owner and because we are in a Loan Modification, XXXX XXXX will not honor another Loan Modification. 
We obtained our Loan from XXXX Bank, a predatory lender in a XXXX package using the Second Mortgage as a down payment and a 5 year Hybrid Adjustable Mortgage, and a search of our records does not show that the Loan was transferred to Ditech according to the Respa Laws of Florida. 
We have requested that Ditech produced records of the Loan Modification that they are saying we have, also produce the Transfer Assignment of the Loan to Ditech. To date we have not received any response. 
We have also contacted XXXX XXXX to produce the record of a Loan Modification, and have not heard anything as of this complaint.
XXXX XXXX are reporting late payments on my credit dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX .When contacting XXXX XXXX customer service about the income driven plan in XX/XX/XXXX, I was giving invalid information. I was told I qualify for the plan income driven plan and my loans will be in forbarence until all paperwork is processed. However some miscommunication cause me to have late payments instead of the forbearance. I have disputed this information server all times. I have reached out to the CEO through several emails no response.This miscommunication has resulted in costly errors, like missed payments on my credit file. Please have them update my credit immediately.
XXXX/XXXX/XXXX GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE GMFINANCIAL XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear GMFINANCIAL, I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE I immediately disputed this information with XXXX, XXXX and XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. 
Since I have disputed the lates with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Furthermore If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 

I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
There are 2 hard inquiries on my XXXX  credit report by a XXXX XXXX and 1 from PayPal Credit. I have no idea of who or what these companies are.
first national bank sent me a offer for transfer from a credit card with higher interest to there card. I did, and that made my XXXX near the upper limit, so after I had paid it down {$1000.00} they lowered my credit limit {$1200.00}. That makes it show that I am maintaining a high credit limit. After I paid down another {$800.00} they did it again! They are artificialy making me look high risk. This is, I am told is the most looked at fact when considering credit risk. They soliciated me. How can they get away with this bait and switch tacit?
XXXX XXXX, 2017 CHASE BANK WAS NEGLIENT IN PROCESSING MY LOAN MODIFICATION I SENT THE DODD-FRANK FORM IN 6 TIMES, IN THERE XXXX XXXX ENVELOPE AND EVERYTIME THEY WOULD SEND ME A LETTER STATING THAT THEY DID NOT RECEIVE IT. 

THEY LIED THIS FORCED ME TO SHORT-SELL MY HOME THEY ACTED IN BAD FAITH
My husband and I opened a Citigold account together as we received a mailer offering XXXX XXXX for opening the account and meeting certain requirements. We spoke to a representative to confirm that we were both targeted for the offer. The requirements included depositing {$50000.00} into the account, doing on line bill payments for two consecutive months and using the debit card for a {$1000.00} spend. BothXXXX my husband and I did these requirements together. He received his XXXX miles ( although not without a struggle ) - but I have not received mine. The bank is now trying to tell me that I was not targeted
Unusual transfer of mortgage ownership in foreclosure. 
1 ) Foreclosure case filed by Chase XX/XX/XXXX. At that time Chase claimed ownership of the Note. A records search by a law firm indicated Fannie Mae held ownership. 
2 ) XX/XX/XXXX Chase filed transfer documentation showing they transferred property to XXXX XX/XX/XXXX. 
3 ) Is n't this the major question of these foreclosures. The inability of lenders at the time to present the documentary proof required to obtain judgment of foreclosure? 4 years later they come up with the documentation and the homeowner has no recourse? 
LACK OF CORRECTLY OWNED DOCUMENTATION AT THE TIME TO PRESENT A PROPER FORECLOSURE. If Fannie Mae had ownership of our loan at the time of foreclosure, how can Chase sue? 
4 ) The securitization process ignored longstanding legal principles for the transfer and sale of notes and mortgages and we the home owners are stuck paying the price by loosing our homes. 
IMPROPER CHAIN OF TITLE OF THE NOTE OR DEED OF TRUST. 
5 ) How can they foreclose on my home when they really did n't have the right to do so? We were getting 2 calls a DAY threatening to take our home. 
6 ) Chase claims to own all these mortgages that they never got the notes for because they were all securitized. So Chase says we own Washington Mutual 's assets but they do n't have my note. 
7 ) The Securitization ( bank / XXXX. product ) process ignored legal requirements for the transfer of mortgages. ( well if they get a do-over, I want one too!! ) Do the banks hold legal title over the homes they are suing? Or is this the " too big to fail '' and we the homeowners get stuck holding the bag for a bad bank idea a long time ago? 
8 ) What about MERS, was n't that a way around the requirements of the traditional mortgage recording process. Now they want that back since the initial plan did n't work? 
9 ) " Too Big To Fail '' The law must not yield to the expediency and convenience of lending institutions. 
10 ) Bottom line, the courts should not allow lending institutions to push and pull as they see fit. Why are the rules they are governed by tossed out? Many good veterans and Americans are getting and have been run over by these institutions and the courts are not standing up.
I was referred to this broker, XXXX XXXX at Absolute Mortgage at XXXX XXXX, WA, by my realtor when buying a new constructed home. The lender was out of loop at the beginning, but I did n't mind much, as I 'm buying a pre-sale and I had plenty of time. The closing was supposed to be XX/XX/XXXX, and I signed the sale contract at XX/XX/XXXX. 

Fast-forward to XX/XX/XXXX, notice from the lender that the appraisal gon na be late as he did n't submit the rush request. Late appraisal means late closing, so I bite the bullet and extend my lease to XXXX XXXX, as the lender gave his word. 

Fast forward to XXXX XXXX, notice from the lender that the loan amount is different from the number sent over by the seller. Asking around, the lender forgot a notice from the seller back in XXXX, when an adjustment was made between me and the seller about the price. As a result, I have to pull together ~ $ XXXX at the last minute for fill the gap. The lender promise to close on XXXX XXXX. 

Fast-forward XXXX XXXX, notice from the lender the loan documents gon na be late. 

Fast-forward XXXX XXXX, notice comes saying the lender had made a mistake on my documents : my wife 's name is missing. 

Enough is enough. 

So now me, my wife and a XXXX have to move out the apartment as we can not extend our stay again and again. We 're practically going homeless. I 'm also seeking legal advice.
Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$150.00} from :   XXXX   XXXX   XXXX   .,  which was opened on :  XXXX   XXXX ,  2013 .   I am again disputing that I do not owe this debt.   The  CRA ( Equifax ) co ntinues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me.   Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report.   This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution.     Thank you,  XXXX   XXXX
SOMEONE USE MY INFORMATION SOCIAL SECURITY NUMBER AND OPEN UP NUMUEROUS ACCOUNTS IN  XXXX   XXXX  WHICH I NEVER LIVED. I PROVIDED ALL MY DRIVERS LICENSE FROM  XXXX  TO  XXXX  TO SHOW WHERE I HAVE BEEN IN ALABAMA ALL MY LIFE. I AM ASKING THAT EVERYTHING PRETAINED TO  XXXX   XXXX  NEVADA BE REMOVED FROM MY CREDIT FILE. EQUIFAX HAS ALREADY CORRECTED AND DELETED.   XXXX   AND EXPERIAN HAS NOT. PLEASE SEE THE FOLLOWING ACCOUNTS CHAPTER  XXXX  (  XXXX   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   XXXX   XXXX   XXXX  NEVADA  )    XXXX     XXXX   (   XXXX   XXXX  NEVADA ) I AM SEEKING THE HELP OF THE CFPB TO ASSIST ME WITH GETTING THESE ITEMS REMOVED FROM MY CREDIT REPORT FROM  XXXX  AND EXPERIAN. AND   XXXX   XXXX   FROM  XXXX
I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, XXXX had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : AN # 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 AN # 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 previously filed a complaint with the Consumer Financial Protection Bureau and Equifax requested that I mail so identity documents for their review. I will not mail documents through the USPS and allow Equifax to claim no receipt of the requested documents. I am attaching to this complaint all documents they have requested - including a copy of my social security card, current and valid state driver 's license and my home insurance policy showing my name and address of the home insured which matches my home address. I request this process be handled through this government protection agency as Equifax has proven not to respect my rights under the Fair Credit Reporting Act.
I have been a Chase bank customer for over 6 years and recently had a few XXXX payments get reversed due to friendly fraud by a person I had a business relationship with. I am an active user of XXXX and have hundreds of transactions but after two of those transactions were disputed they have chosen to freeze my account for an undetermined amount of time. 

The total amount disputed was for around {$300.00} but my account had a balance higher than that. I do not believe its fair for me to have my other funds tied up for a long time for something that was not my fault. In addition, this freeze of my account has caused me to not be able to pay the credit card with Chase. They will not allow me to use the funds in my account in excess of the disputed amount to payoff the credit card. They will also not stop charging interest while my account is frozen. I can not even pay off the credit card because I can not access the online account. When I try to log on it just says my account has been suspended. 

If I had no other resources this would be an extremely inconvenient situation. It makes no sense to deny me access to funds that are entirely unrelated to the account suspension. On top of it, before i realized my account was suspended I deposited {$2000.00} at a branch. They took my money and when I went to go pay my credit card bill they told me the account was frozen and I could not have the money back. 

Please advise on what I should do to regain access to my money. I hope I don't have to pay any penalties on the credit card due to this.