WillisBack/dataset-financial-user-claim huggingface dataset:
I was in XXXX and needed to obtain XXXX. Due to problems with being required to have a pin to use a Credit card in the automats the banks operate in the XXXX area ( XXXX XXXX XXXX region ), it was suggested that I use Western Union XXXX WU XXXX. So I went to the local XXXX XXXX and talked with them. This led me to going online to the WU site and getting it to " US English '' ( Regional issue based on IP addresses ... ). I was involved with them via a chat session and it was explained to me what I had to do and that it would be possible to effect this within an hour or so. 

The first step was to register, which I did. The next steps required I identify my bank ( XXXX/account # XXXX, provide verifiable ID ( DL # in this case, & my address ... ). 

With that done, the next step is to do the transfer. So I specified how much I wanted in XXXX ( XXXX XXXX XXXX and set it up for an in-person pickup at the local XXXX XXXX office. I would be required to use my XXXX ID to pick up the moneys XXXX. However, they kept failing the transaction for some odd to me security reason XXXX the reason was inspecific, but some security problem that appeared to be with my bank ). 

I had to then call my bank to find out what security problems were involved, and they told me that WU had not contacted them XXXX security department XXXX to validate my account. Granted, this would have been about XXXX XXXX, but the Fraud and Security departments are manned by Bank XXXX at that time. 

So then I called WU directly and there I was told that you ca n't do what I am trying to do, pull money from my Bank XXXX and send the funds to me in XXXX -- Even though they had told me earlier exactly how to do this whole process, and their web site says that this can be done. 

The problem that started this is, in the XXXX area, the various banks have pulled the ability of tellers to handle Credit Cards by taking an image and then obtaining a signature. We would have to drive over to XXXX a large city XXXX to get this done. But I needed to take care of my Hotel suite bill first.
There are XXXX student loans and pell grants that someone opened in my name from XXXX XXXX College. I was a victim of identity theft i submitted id affidavit.I never attended XXXX college
ON XXXX XXXX, XXXX, WHAT I THOUGHT WAS MAKING ARRANGEMENT TO DEFER MY STUDENT LOANS ONLY TURNED OUT TO BE A SCAM. I ENDED UP AGREEING TO PAY THIS COMPANY [ PERFORMANCE STUDENT LOCAL CONSOLICATION AKA PERFORMANCE SLC, XXXX, A MONTHLY SERVICING FEE FOR FOR {$89.00} PER MONTH. ONLY TO FIND OUT THAT I DID NOT HAVE TO PAY A FEE BUT COULD HAVE SET UP THE ARRANGEMENT DIRECTLY WITH THE DEPARTMENT OF EDUCATION. THE PAYMENTS THAT I HAVE MADE ARE NOT GOING TOWARD THE STUDENT LOAN. IT IS ONLY A FEE THAT IS GOING TO THIS COMPANY. THERE IS NO BENEFIT IS PAYING THIS MONTHLY FEE. MY XXXX XXXX AND MY FATHER 'S XXXX XXXX IS STILL DECREASING BECAUSE THERE THE ARRANGEMENT WAS NOT REPORTED UNTIL RECENTLY. I HAD MADE XXXX PAYMENT DEDUCTED FROM MY FATHER 'S CHECKING ACCOUNT. SINCE THEN, A STOP PAYMENT ORDER HAS BEEN ISSUED AGAINST THIS COMPANY.
Currently the credit reporting agencies are reflecting a public record bankruptcy and the courts and XXXX have verified that there is no such record or information. I have made various attempts to dispute the derogatory however, the agencies are determined to " lock '' my files for a 10 year period. This has lowered my credit score and reflected a negative response to my present creditors and potential future creditors. Please advocate for me in this challenge to have the derogatory information removed.
My Chapter XXXX was discharged at the end of XXXX and I have made several attempts to dispute the accuracy of the account with the creditor and all three credit bureaus. The creditor will not update the account to reflect it is no longer an active account. Instead they keep updating my report with " redeemed repo '' as if it's a open account. I am on my 4th round of certified return receipt letters disputing and nothing has changed so far.
I knew I was going to have reduced income so in XX/XX/XXXX, I applied for a reverse mortgage with Open Mortgage. I was approved, but there were a couple of hurdles, including a judgment by my mortgage holder in addition to my mortgage - I had sued them for refusal to abide by a loan mitigation agreement. 

SunTrust entered into a stipulation with HAMP over predatory lender practices in XXXX. In XXXX, HAMP sent me a check for over {$18000.00} and sent my wife 's estate a check for over {$18000.00}. HAMP also arranged to release the second mortgage worth {$60000.00} and a reduction in the first mortgage of interest and penalties. Unfortunately, the settlement came after I had already sued SunTrust for the very things SunTrust later paid in damages. 

I wrote to SunTrust Mortgage in early XXXX to resolve the issues and at the same time Open Mortgage tried contacting SunTrust Mortgage to get a pay-off. Neither of us were successful. Finally, in late XXXX I got someone to call me back with a pay-off on the mortgage, but they could not help me with the judgment so he passed me on to someone else. I made a written offer to resolve both the pay-off of the mortgage and payment of the mortgage. The woman i talked to on the judgment got the judgment reduced, but could not tell me how long the offer was open, would not put the offer in writing and advised me she could not concluded an agreement for the mortgage and the judgment. She was unaware of the alternatives I had offered over a month prior too and said she had no authority of negotiate, but also refused to hand me off to someone who could help with both issues. 

I have been waiting months to get this resolved, and have not got any cooperation from my lender. SunTrust 's delay has put my reverse mortgage in jeopardy. I have advised them of this, but still nothing.
I am attempting to clean up my past due accounts. I have two left! This week I pulled an updated copy of my credit bureau report so that I would be able to see the amount ( s ) owed and the status of each account. I noticed that one of the accounts had been (   XXXX   XXXX   ) sent to a debt buyer, LVNV Funding. On   XXXX   XXXX   XXXX    I cal led LVNV Funding and spoke to a gentlemen who was very unfriendly when I told him I wanted to take care of my account but after looking at the balance it did not seem accurate. He informed me that my account had been placed with the law firm of   XXXX   XXXX   XXXX   and I would have to contact to law firm to work it out. On   XXXX   XXXX   XXXX   I called   XXXX   XXXX   XXXX   and spoke to a gentleman named   XXXX   XXXX  . I informed him that my account was placed with the firm. He said that the account was placed there in   XXXX   XXXX   and asked why I had n't called before. I told him that I was unaware my account was placed at this firm and I have not received any call or mail notification. He told me it was not his fault that probably threw it away without reading it. I can assure you ( as I assured him ) I have not received any formal notification of the debt being placed at a law firm. I advised M  XXXX   XXXX    that I did not believe the balance was accurate and offered to pay {$300.00} ( balance {$720.00} ). He said they do not settle balances that size and said would take me to court instead. He said that they would add additional fees associated with court costs. I ended the call and called LVNV Funding. I offered them the same settlement. They refused and told me to call the law firm. I am getting nowhere and refuse to be treated like less than a human when I an trying to do the right thing.
Recieved a call from a lady name XXXX earlier in the week and she stated I owe a debt with XXXX XXXX and gave me the price of the alleged debt owed. She stated legal actions will be taken against me is debt was not paid. She Call today about the debt but this time it was a different amount. I googled the company and read that people were scamed by this company ZFN & Associates. The number she used to called my cell is XXXX
I opened a card with this company, they immediately flagged my account for " security reasons '' despite me confirming my phone number and sending them my credit card information. I already submitted a complaint to CFPB. In response I received a generic letter stating that " we still need to verify your proof of address and proof of ID '' ( I already did this ) and some woman asking to " send in the proof directly to me, Ive enclosed a postage paid envelope for your convenience '' ( I am not sending my ID 's to anyone anymore at this company and how did you enclose an envelope in a PDF?? ). 

They copied and pasted a generic response unrelated to my case. And are lying about their offer. It was to receive {$150.00} when spending {$300.00} in the first month, which they blocked me from doing. I just want my account closed and will keep sending complaints until it is closed.
I have asked Trident Asset Mngmt 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.
In response to a complaint that I filed with the Consumer Finance Protection Bureau against XXXX and Village Capital Investment in regards to the illegal foreclosure of my home and failure to apply payments to my loan in accordance with federal law, I received the attached letter in duplicate from XXXX XXXX and Village Capital Investment. 
The letter states that a " Notice of Breach '' was sent on XXXX XXXX, 2015 stating that I had to pay {$830.00} to cure the loan. Five days prior to the date of the letter I had already sent in a payment of {$820.00} via XXXX and then on XXXX XXXX, 2015 I sent an additional payment via XXXX for {$640.00}. These XXXX payments were made well before the cure date stated in your correspondence which was XXXX XXXX, 2015. 
In the response letter to the CFPB complaint that I placed, it is mentioned that I was refunded the {$800.00} payment that I made in XXXX 2015, the {$700.00} payment that I made in XXXX 2015 and the {$710.00} payment that I made in XXXX 2015. The letter states the {$800.00} and {$700.00} payment were returned to me via ACH transfer, but I have no record of an ACH transfer to my bank account or a refund given via XXXX. The {$710.00} check was received via certified mail with United States Postal Service tracking number XXXX. Therefore the ONLY refund I have been given in all the payments that I have made since XXXX 2015 has been {$710.00} and the {$150.00} payment that I made via XXXX was sent back to me via a XXXX cancellation of payment. Please provide proof of the ACH transfers that you stated in your letter. 
I request that all payments be applied to my account and foreclosure proceedings ceased.
XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.
Dynamic Recovery repeatedly called my home. NEVER did they state who they were trying to reach. Dynamic stated that they were a debt collector and to call a number. 
When I finally called the number I asked why they did not address who they were trying to reach, and I was told it was " legal '' and when I pressed the issue, I was hung up on. 
I called immediately back and spoke to person identified as XXXX XXXX. I stated that I was hung up on, and if he did so I would file a complaint. In our short conversation, when I gave him the phone number, which I consider private information, he stated that the call was for a " XXXX XXXX ''. I have had this number for 10 years. I do not know XXXX XXXX. I stated this fact, and asked him why Dynamic could not simply state who they were calling for. He became rude and defensive, talking over me, stating that this number has been " removed ''. When I asked him why MY TIME was wasted calling, for no good reason, he hung up on me.
I am on a monthly repayment of my student loans and the lender is relentless, I advised that repayment of the loans at their rate is putting financial strain on me and they don't seem to care at all. If I don't pay the loan per their repayment plan, I am forced to have the negative reported on my credit bureau. I have been on repayment for three years and each year, I am required to increase my payments. At this time I have Federal Tax liability of close to {$4000.00} that I am struggling to repay. To make matters worse, Navient is now servicing another private loan of mine which originated with XXXX, then transferred to XXXX and now Navient. My monthly payments for my forced auto debit repayment is {$270.00} and the other newly transferred loan is {$98.00} monthly. At this point, this hefty payment is putting a financial strain on me.
XX/XX/2018. Received a Debt Validation Notice from Client Services from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. 

Per Federal Law and guidelines established by the Federal Trade Commission, I advised this debt was time-barred and the statute of limitations expired months previously. Response was in writing as the law requires, including copies of supporting documentation and copies of the Statutes as they apply in the case. 

In my written response, I asked Client Services to notify me of any course of action they took, and/or notification once they closed this account. My written response was mailed on XX/XX/2018. 

On XX/XX/2018 at XXXX ( EST ) I called Client Services and spoke to two different people. XXXX XXXX and XXXX XXXX. Both employees were unprofessional, dismissive, and claimed repeatedly, There is nothing in this office that I can discuss with you. They advised me to contact the original creditor, XXXX, who they are representing. I advised Client Services that I sent my written validation notice to Client Services, not XXXX. 

Client Services refused to assist or discuss anything with me.
On XXXX XXXX, XXXX at XXXX, XXXX from XXXX XXXX called me and left a message that he had left numerous messages for me. That is false. He also tried to call other people who he thought might be related to me. These people have told XXXX at XXXX XXXX  on XXXX XXXX, XXXX to not call them again looking for me. XXXX told the people that he called looking for me that I gave XXXX their phone number. That is a false statement. 

This company calls my home phone and cellular phone 10 plus times a day and does n't leave messages. The calls start at XXXX and do n't stop until XXXX. 

The telephone numbers for XXXX XXXX  are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, California per caller ID. 

They are not the original creditors.
I 've asked XXXX to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which XXXX must have on file and received nothing to day. Last correspondence stated XXXX will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at XXXX request reached out to Debtor citing " Debt Collection Practice Act '', Section XXXX, and as of today never received a response. Which bring to question XXXX XXXX verification process. Information has been duplicated with same account number with different variations of Debtor company name.
the Equifax credit reporting company continues to report late payment on my student loan accounts with navient, I have explained to them that the account was not in late payment status and that it is in forbearance status for the dates that are reporting as late. the company has sent this proof in written form and it is attached showing that those showing up as late were in fact covered by forbearance status. please update the record to reflect that this account is not in late payment status and that the account was never late IMMEDIATELY as this inaccurate reporting is damaging my name.
I have been the victim of identity theft on XXXX occasions in the past year. 
XXXX have been cell phone fraud and the latest has was credit card fraud. 
I have frozen my reports with the XXXX major credit bureaus and seek to freeze my LexisNexis report because they furnish cell phones companies with information about me. 
LexisNexis has denied my request to freeze my report. 
Please assist me in freezing my LexisNexis consumer report.
XXXX XXXX BANK XXXX NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. ( TransUnion, XXXX, and XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( TransUnion, XXXX, and XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.
Upon careful review of my Transunion credit report I found XXXX Public records listed under my name and SSN # which contain XXXX Chapter XXXX and XXXX Chapter XXXX records. I contacted Transunion by phone and according to the representative XXXX whom I spoke with on XX/XX/2017 these public records were verified with the Courts. 
My inquiry to the Georgia Federal Court of U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
I have an outstanding debt with M & T bank and when I tried calling them they said it was moved to a collection agency and I needed to work with them, Ive never recd a letter but I did get phone calls I asked the agency to send me in written or email my debt it took 3 calls to finally get this letter emailed to me and when I tried calling them to arrange a payment I dont get a call back 1 week later I get a call from the agency ( XXXX XXXX XXXX ) they call me during my work hours Ive asked for them to all me after XXXX est time and they never do they only call during the day which I cant take. Ive left several voice mails to this agency after work to have them call me back. Its not right that they only can call while Im at work esp since this is a dent and a private matter for my coworkers not to know. Im looking to resolve this and get it off my credit report
Starting in  XXXX  of    2016  - I have submitte d two letters to the credit bureaus asking them to verify this debt. I have not received ANY FORM OF VERIFICATION. I additionally send this company a letter directly asking for verification of this debt. I RECEIVED NOTHING I do n't know what this is. who they are. where the debt is from before they got it. I am  incredibly frustrated by this entire experience.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have communicated with the credit bureaus that these accounts do not belong to my. I have filed an identity theft report and even asked for both the credit bureau and the company reporting it to provide applications, loan agreements or security agreements that were signed by me. They have not provided nothing. The credit bureau then deleted the accounts over a year ago, and most recently they placed the accounts back on my report under a different reporting company name.
On XX/XX/XXXX I purchased a new XXXX XXXX. I paid {$20000.00} down and financed {$10000.00}. I paid off the {$10000.00} and the check cleared my bank XX/XX/XXXX. I have made several requests trying to get the lien release sent to me so that I can register and title the car in my home state of MN with a free and clear title. The interest was paid in full and their records indicate XX/XX/XXXX. I have requested a XXXX balance letter and have been denied that as well. He placed another request for this today. 

I have made several calls to GM Financial and have been told as many different answers. Each time I speak with someone I am told something else.
XXXX XXXX, XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX, XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX, XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
I get paid once a month due to XXXX. I explained that I can only get paid once a month. After asking them to refrain from contacting me consistently, I get hung up then they call later that day.
Over the last 3 months I have attempted to secure a personal loan primarily applying online. I have been denied due to excess delinquencies. I believed the responses were an over exaggeration of my credit, as I only have one outstanding debt. On Monday, XX/XX/2018, I once again attempted to secure a personal loan with XXXX   XXXX XXXX XXXX, via telephone and during the the application process I was asked to explain why a number of my accounts were in collections. I currently have one outstanding collection account that I have been attempting to settle. No other active account is currently nor have they been in the past in collections. Technically, I have one account that can be considered delinquent. I checked on my XXXX account, that is who XXXX  XXXX used, so as to dispute any accounts showing errors and there is only one account showing up in collections. The error can not be with the creditor 's. If the creditors were reporting misinformation the credit bureau would be showing that information and it is not. Therefore, the information being transmitted to potential creditors is where the problem lies.