WillisBack/dataset-financial-user-claim huggingface dataset:
My Bank account was closed and my money has not been returned to me. The bank wrote me a letter to tell me that my balance wont be returned to me, including the direct deposits from my job. 
My Cousin XXXX XXXX who lives in XXXX contacted me for help with paying for his Goods/products in XXXX. He told me that he contacted some of his acquaintance in the USA who agreed to deposit into my account any dollar amount they want to send to XXXX so that he ( XXXX ) paysthe beneficiary in XXXX Currency. This 's due to the difficulties the business Men and Women in XXXX go through in order to obtain Dollar for their foreign transactions. I agreed to help my Cousin after he promised that the money that will be deposited into my account will be from a genuine source only come from within the USA. I started receiving deposits in my account and acknowledged same before he remitted the XXXX equivalent to the beneficiary in XXXX. 

On XX/XX/2016, I noticed that my account was blocked and called Bank of America. I was informed that there was a fraudulent activity on my account hence the reason for my account being investigated. They refused to tell me what it was. This went on for over a week before a Bank of America associate finally called me to intimate me that a deposit of {$2000.00} was made to my account on XX/XX/2016 which the account owner did not authorize. I have contacted my Cousin about this and he gave me a name and phone number of the check bearer which i forwarded to Bank of America.I also asked them to look up the check bearer on the bank 's camera for arrest. 

Evidently, if the account owner did not authorize the said Check, then a stolen Check was deposited to my account in Florida. I am therefore seeking for an advice on how to go about this to clear my name from this and also my personal money including a direct deposit from my Job be released to me. I am willing to provide all correspondence from Bank of America and the Letter from my Cousin to me regarding this. 
Thank you The bank name is : Bank of America ( THE FILE # XXXX ) XXXX XXXX XXXX XXXX-FLORIDA, XXXX XXXX
This company is reporting false information regarding a medical debt that is not mine. I was recently denied an extension of credit because of this false debt. 

I contacted the company and they refuse to give me information unless I comply with HIPPA. But, there is no way I am giving them my personal information, as they already admitted they do not have my social security number or any portion of it.
Good Morning on XXXX XXXXXXXX,2017 a large amount of XXXX was stolen out of my account. This was part of my rent money and also my kids XXXX money. I was told an investigation would take 30 days to complete. I am a single mom with XXXX boys that have severe XXXX. 2 days before XXXX I will be put out of my home. Never in my life of having bank accounts been told an investigation will take that long. I am beyond frustrated with TD Bank and there service. I would never again refer this bank to anyone.
About 5 years ago Equifax had my name mispelled and my birthday wrong. It took me multiple times to correct but it has happened again. It is happening because Equifax is using information provided from soft requests. They are getting companies that steal information online about me and use that information to get information about my credit using soft requests. I know this to be true because I use certain shortened versions and mispelled versions of my name on NON FINANCIAL sites that ask for the information for their records. Examples of these sites are XXXX, XXXX, XXXX and such. These are sites that have nothing to do with my financial records and are very susceptible to personal information being stolen. That same information again showed up on Equifax. I have again reported this to Equifax and am in the process of correcting it but since this is the second time it has happened I believe they need to be investigated. The collusion that happens between financial organizations and the big three credit reporting companies is hurting the average consumer. In the last 7 years I have one 30 day missed payment that was not my fault. It is showing up on one of the reporting agencies. That one wrong reported 30 day is costing me about XXXXpts on my score. The credit reporting companies make it near impossible to correct anything. For example ; if you do not have the correct birthday listed, you can not open a dispute online. It took me a few hours of reading and calling to finally find a phone number for disputes. The Consumer Protection agencies are not doing a good enough job making sure the consumer is protected. Please look into the fact that Equifax is somehow getting information from personal sites and using that information on its reporting. Thank you, XXXX XXXX XXXX
Indiana XXXX XXXX used a report from Lexis Nexis to increase our auto insurance 13 percent. six percent was normal increase. They said the other 7 percent was due to an insurance score increase from XXXX to XXXX. I have asked and written Lexis Nexis to detail the reason for the change but have not received a response. I have copies of the report that shows the increase from XXXX to XXXX but it reveals no basis for the change. My credit remains top notch with no late fees, bankruptcies or adverse credit. I would like to have the opportunity to review the changes so I might challenge them, The changes happened between the XX/XX/XXXX insurance renewal and XX/XX/XXXX.
I received a check from my insurance company XXXX XXXX as a refund for my deductible, by law I am required to have my daughter on my auto insurance policy. XXXX XXXX issued me a check for {$1000.00} in my name and my daughters name. I submitted the signed check to Wells Fargo Bank in XXXX Ca XXXX XXXX XXXX XXXX ( XXXX ) XXXX. This check was for deposit into my account. Wells Fargo rejected the deposit, because my daughter is not on my checking account. She and I endorsed the check, so now I wait 3 to 5 business days to receive a " copy '' of that check. Why does it matter if I am making a deposit, endorsed by the both of us, that she is not on my account. I am not withdrawing money I am depositing it. Wells Fargo says she needs to be added to my account, however, with her credit rating they will not add her to my account, they tell me they will. but I have tried to add her before. I am now {$300.00} overdrawn which is why I wanted to deposit the {$1000.00} into the bank. So how much more are they going to charge me while I wait 3 to 5 business days for them to return a copy of the check. Due to a divorce my daughters credit is horrible, she can not open a checking account. She has a full time job and has had her paychecks direct deposited into my bank account for almost a year with nothing said or done about it, after all it is a deposit not a withdrawal, all of a sudden that is not allowed, so how does someone who is working and gets a pay check supposed to be able to cash a check with no account??? I understand about fraud, but the check was endorsed by both parties so why can they reject the check because she is not on the account. So here I am out of money racking up bank fees and not being able to even pay my bills. Wells Fargo is out of hand, charging outrageous fees for everything, and when I get the copy of this check and take it into the bank with my daughter to have them cash or deposit the check they will again reject this check, yet they will not add her to my account so she can deposit checks, I am XXXX years old I  receive a social security check each month, my daughter does my business for me because we are a one vehicle family and she needs the vehicle to work. We live together and I do XXXX for my grandson who is XXXX. I want this mess cleared up, as long as we both endorsed the check it should not matter who gets the deposit, this is just another way to collect fees and run my bank account dry taking all my money for the bank. Please please help me and stop Wells Fargo from taking advantage of low income people. This is ridiculous. A deposit is valid, the endorsement is valid the check is valid for deposit, should not matter who the other signer is on the check.
I graduated in XX/XX/XXXX with XXXX degree. Began paying on loans 6 months later when into repayment status. Entered school again in XX/XX/XXXX or XX/XX/XXXX..XXXX loans into deferment. Obtain more loans for XXXX school. Graduated in XX/XX/XXXX. Started repaying loans in XX/XX/XXXX. Have been in repayment status since then. Now it is XX/XX/XXXX. All of my loans still have basically the same principal balance if not more than started. I noticed this when my loans were sold from ACS education to XXXX. The loans were also listed in forbearance status and were not listed as repayment status until XX/XX/XXXX - which is incorrect! I have paid the whole time and never requested forbearance. I contacted ombudsman. Initial person could not get a response from ACS. My account was transferred to another person and they quickly closed the case and said the info on studentaid.gov was incorrect. I think my payments were incorrectly applied to my loan accounts. How can I have paid for over 10 years on a XXXX loan and now owe over XXXX?? Someone please please help me! 
AND my name is spelled incorrectly on the studentaid.gov. I 'm not even sure these are my correct loans or what has happened. All I know is after paying on loans for 12 years the principle should be lower then the dispersed amount.
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( TransUnion, XXXX, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( TransUnion, XXXX, XXXX  ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.
To Whom It May Concern, Account Number : # XXXX / TEK COLLECT Reviewing my annual free credit report, Ive notice TEK COLLECT negative account on my credit report. I have never heard, never signal a legal binding contract with TEK COLLECT and I have never heard or received any documentation from TEK COLLECT. Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope to TEK COLLECT. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from TEK COLLECT referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with TEK COLLECT, I am not obligated to buy for the alleged debt TEK COLLECT is the reporting inaccurate information on my credit report. Im planning to apply for a VA mortgage loan, and TEK COLLECT account is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX
Good afternoon, I purchased a home through XXXX XXXX and my home closed on XX/XX/XXXX after a VERY long drawn out process. My first payment was due to XXXX XXXX on XX/XX/XXXX. I reached out to XXXX XXXXXXXX  to ask how I make my payment and was advised to mail my payment to XXXX XXXX. I was told my loan was going to be transferred to a new servicer ( I was not informed of who the servicer would be ). I made my payment early and mailed in a Cashiers check to XXXX XXXX which they received AND cashed on XX/XX/XXXX ( confirmed by XXXX XXXX because I got a letter on XX/XX/XXXX saying XXXX was taking over my loan as of XX/XX/XXXX so I wanted to confirm they got my payment ). Round Point Servicing contacted me early XXXX to advise my payment was late. I let Round point know I was n't sure what they are referring to because I made my payment to XXXX XXXX and got conformation from XXXX XXXX at XXXX XXXX that XXXX development received the payment. I received a letter in the mail from Round point around XX/XX/XXXX or XX/XX/XXXX stating my loan had been transferred to them as of XX/XX/XXXX. I am in the middle of a battle with Round Point and XXXX XXXX to try and figure out resolving this " late or missing payment '' issue. I have been in contact with XXXX XXXX numerous times and I feel my needs are not being met. I was informed by XXXX XXXX at XXXX XXXX that this would be handled and if I had any issues with Round Point to reach out to them and they will handle it. The last few times I have reached out to XXXX XXXX  about this issue it has been ignored. I 'm told someone will follow up with me shortly and nobody ever calls me back or emails me back. I sent an email on XX/XX/XXXX advising I still need help because Round Point calls and emails me all the time about this missing payment. I 'm not sure what else I can do at this point as my needs are not being met, I was not informed of this servicing transfer until after it took place, I 'm being harassed by Round Point, and nobody can seem to get back in touch with me at XXXX XXXX.
I have asked American Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
The Ditech company keeps sending me a collection notice on property that I have never owned or had loans on this property. They say I have a loan from this company when i do n't.
My mortgage on the payment that reached 20 % of original appraisal value was sold to Freedom Mortgage. OnXX/XX/XXXX I wrote Freedom Mortgage and requested PMI be removed. They exercised their right to force a new appraisal ( even though  home values have went up 20 % ) and due to the cost of appraisal wiping out the difference I decided to wait until the 22 % mark was reached where they are required by law to drop PMI. 

They have not removed PMI charges against me even though I have exceeded 22 % of original appraisal value. Once they charged me PMI after exceeding 22 % I wrote them again on XX/XX/XXXX informing them of the homeowners protection act and demanding PMI be removed going forward. I received a generic canned response and on XX/XX/XXXX they again charged me PMI. 

I have never been late on a payment in fact I have made additional principal payments each month. My current loan remaining is XXXX ( not including the payment today. ) with an original appraisal value of XXXX. According to the Homeowners protection act they are required to utilize the original appraisal value and are required to remove PMI at 22 %.
AR Resources posted a collections case that I do not recognize on my credit reports with XXXX, XXXX, and XXXX. AR Resources never contacted me prior to posting this on my report. After seeing this unkown collections item I have attempted to contact AR Resources via email, fax, and USPS mail. I 've received confirmation receipts that my communications have been received. AR Resources has still not contacted me or responded in any way, but their unsubstantiated report is still destroying my credit. 

In my communications to AR Resources, I provided email, phone, and mail contact information for me, but they still have not responded to my requests for information, requests for substantiation of the debt, amount, creditor, licensing, etc. They have not responded to any questions. They have not removed this disputed collections matter from my credit reports, and that has already caused substantial harm, including a mortgage that was already approved now being canceled right before closing.
I XXXX XXXX I am a victim of Identity theft for quiet sometime. I got a report and I saw some unusual activities in my account. 

a. Someone tried to use a credit card online in the middle of the night about few months ago. 

b. Today I received a notification showing that someone trying to open another account at XXXX XXXX 

c. Most of the Inquiries reflected on my credit report were not done by me. 

I found out all of the three credit bureaus were hack by hackers and therefore i believe am one of  these victim of Identity Theft. 

I believe someone got access of my personal information without my consent. Please advise what you recommend to do in my situation. 

For now, I wish of you to remove any inquiries including within this month of XXXX 2017, As soon as possible or within 30 days of this notice because I have not applied for any credit cards or store credit including this month of XXXX 2017. 



If you have any questions, please let me know. 



Sincerely XXXX XXXX One of the people of the california --
We have evidence of mortgage fraud being committed. In the attachments to this complaint, see the first page of a Deed of Trust dated XXXX ( NationStar ), and take note of the borrower 's address and his designation as 'an unmarried man '. It is a matter of public record that he was married in XXXX ( we lived here and rented from him at the time ) and it is easily shown that his primary residence has been with his wife in XXXX XXXX, CA since at least the time of their marriage. He and his wife come on weekends sometimes and stay downstairs in the garage apartment. No more than 20 to 25 % of any given year. 

Part of his scheme has been to compell us under an implied threat to our tenancy to supply him with a print out of our utility bills which we pay the entirety of. He has said he uses them on his taxes ( tax fraud? ) to falsely establish that this is his primary residence. I have a video of him telling me to do this in the context of signing a new addendum to the lease ( attached ) which we politely contested ( attached ). He has bragged to my partner/co-lease holder once when I was 'late ' getting him the print out, that, as owner, he had gotten them anyway. He also had the water bill changed over to his name. 

This is our predicament. We love this place very much and take good care of it. As a professional XXXX  and XXXX I have redone the entire grounds surrounding it and made a lovely garden. So we do not wish to be evicted, but nor do we want to be complicit in his fraudulent activity. And since he has indicated that he will use our utility bills whether we like it or not, we are seeking help and/or advice as to putting a stop to this. 

Thank-you for your concern
Pressler & Pressler , LLP said : Explanation of closureDear XXXX XXXX XXXX : Your complaint involves a bill for medical services placed in this office for representation by XXXX XXXX XXXX of XXXX XXXX, XXXX. On XXXX XXXX, 2015, this office sent both you and your wife a Fair Debt Collection Practices Act ( FDCPA ) letter pursuant to federal law allowing either of you the opportunity to request verification of the debt. Your initial request for verification was received on XXXX XXXX and this office responded by way of letter dated XXXX XXXX. On XXXX XXXX, 2015, this office received correspondence from your wife indicating that the debt was still disputed as it was believed some payments you had sent to XXXX XXXX XXXX were not properly credited to your account. This office responded by way of letter dated XXXX XXXX and invited you to bring to our attention specific payments which you believe had not been credited to your account. Thereafter, your wife responded with a ledger showing payments made directly to our client and a letter indicating she still did not believe the debt was verified. This office sent you a third response on XXXX XXXX, 2015 advising that information sufficient to verify the debt had been provided. Moreover, upon review, it appears your account was already credited with the XXXX payments totaling {$65.00} that you have made since the time the account had been placed with this office. A balance of {$1000.00} is currently due. As to the inquiry made on your credit bureau, on account of this firm 's representation of XXXX XXXX XXXX, such a credit inquiry is permissible pursuant to a legitimate business need as promulgated by section XXXX of the Fair Credit Reporting Act ( FCRA ) [ 15 USC sec. 1681b ]. If you desire to voluntarily pay this matter without judicial intervention, you may contact Attorney XXXX XXXX XXXX at XXXX ext XXXX. 

Please review the above they are all over the map on this based on there response I do not have an account with there client my spouse does and that matter is being Address under separate cover. Case in point Can this Attorney product a document or contract Sign by ME? if not no verification of debt no standing and this is just disregard for the above mention law. as stated in there response " such a credit inquiry is permissible pursuant to a legitimate business need as promulgated by section XXXX of the Fair Credit Reporting Act ( FCRA ) [ 15 USC sec. 1681b ]. Please do not threaten ligation if you do not have standing under the law. in addition Phone call to your office will not preserve my rights under the US code that regulates there company.
XXXX XXXX keeps telling me that they contacted XXXX XXXX XXXX XXXX to remove the information since XXXX of 2017 I have call them month after month and Experian and XXXX have yet to remove the wrong information and when I got the letter from XXXX XXXX XXXX I disputed the letter within the 30 days by law.
My name is XXXX XXXX XXXX, last four of ss # is XXXX dob XXXX In viewing a recent copy of my credit report there are several inquiries that I do not recognize nor do I have a credit account, or any type of account with the company making the inquiry. Please assist me with removing them : XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX  XXXX XXXX XXXX Card