WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18, I requested a copy of my credit report from all three credit bureau and at first glance, I notice an account that wasn't mined. I did some deeper research found out that some individual had somehow got my info and used it to buy a dog at a pet shop, without on permission. I wrote disputes letters to all three of the credit bureau XXXX, Equifax, and XXXX. they keep writing back account XXXX was verified, I even contacted the finance company that provided the finance to the pet company. they sent me a copy of the original contract, which was fraudulent, they also said the item should be deleted off my credit report. Sent all three bureau proof of the fraudulent contracted, but still, they would not remove the item off my report.
Filed Chapter XXXX XX/XX/XXXX and reaffirmed with Litton ( Now Ocwen ). Made monthly payments from that time until XX/XX/XXXX when my attorney told me to quit paying them due to Ocwen going against the agreement of the reaffirmation. Ocwen held in Contempt of Court several times during this process. Ocwen continues to harass for funds not owed. See attached document showing the Docket Text.
This complaint has more than one possible course of action. 
In XX/XX/XXXX, I ( XXXX XXXX ) had returned from XXXX and purchased a motorhome from a dealer in XXXX XXXX, XXXX. The motorhome was listed at {$190000.00}. After a {$20000.00} down payment, taxes and titling fees, the balance was financed through US Bank XXXX XXXX. 
While residing in XXXX, my spouse - XXXX XXXX - contacted XXXX XXXX in XXXX XXXX ( a XXXX Agency ) to insure the vehicle against loss as required by the lean holder. She made statements and representations to the Agent that she did not want to suffer a financial hardship should she lose the use of the motorhome. The agent made no statements to GAP insurance or replacement cost versus actual cash value. 
In XXXX, we moved to XXXX state and were required by the insurance company to change agencies. XXXX contacted XXXX XXXX XXXX ( a XXXX Agency ) and restated her situation. The company re-wrote the policy based on the XXXX  State Address. It was later found XXXX XXXX XXXX was a XXXX  based company. 
In XX/XX/XXXX, there was an electrical issue with the inverter and the outlets internal to the motorhome. We brought the motorhome to XXXX XXXX XXXX ( XXXX XXXX, XXXX ) where they discovered rodents had compromised the electrical wiring in the motorhome. 
XXXX sent an appraiser out to XXXX XXXX XXXX and estimated the cost of repair beyond the reasonable value of the motorhome. In addition to the damage by the rodents to the wires, there may be additional hazards including diseases carried by the rodents. 
XXXX has offered approximately {$47000.00} in settlement for the motorhome. US Bank loan principal is {$64000.00}. 
This creates several situations where the borrower is harmed by the loan continuance. First, the borrower is self-employed and qualifying for loans while self-employed is virtually impossible. The credit ratings of the borrower have changed and is most likely not able to secure reasonable financing. The insurance agents did not protect the best interests of the consumer in contradiction to the Federal Fair Trade Practices by not exploring GAP insurance or replacement costs with the insured. 
The bank is willing to accept the insurance company pay off and insists that the borrower continues to pay the original ( payment ) amount of the loan agreement to terminations. In doing so, such an agreement would preclude the borrower from making arrangements for another vehicle. 
Through the CFPB, the borrower petitions the Board to investigate and assist in the negotiations or direct US Bank to accept the payout by XXXX XXXX and continue the loan at a reprojected term such that the borrower continues to pay the remaining balance at the contractually stated interest rate of 5.99 % for the remaining term of the loan ( 66 months ) and monthly payments of approximately {$380.00} per month. 
US Bank has offered to enrich themselves by offering a personal loan subject to normal underwriting conditions to include origination fees and a higher interest rate or the borrower could continue to pay the {$950.00} projected in the original contract. In doing so, US Bank would force the small business owner into bankruptcy.
Fraudulent account with XXXX - XXXX was opened under my name. Incorrect address & phone number was used. Account appears to have been opened in XXXX 's main location as the address and phone number used to open my account was in XXXX XXXX, South Carolina. 
XXXX was contacted and I was told they were opening a fraud investigation.
I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of XXXX and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. XXXX still came back claiming they had a contract signed by me for Dealer Funding LLC. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.
The mortgage in question was part of a divorce settlement. Which the home was guarantor to my x-wife XXXX XXXX XXXX in the year of 2002. Since, I have spoken with XXXX XXXX about the responsibility of this mortgage no longer being my debit. I have presented my legal documentation from the divorce decree and to no avail this mortgage is still showing on my credit report. This has cause major issues for me whenever I am faced with trying to make major purchases. However ; when it is being reported to all credit bureaus it appears that, I am still held responsible. My name no longer appears on the mortgage, but it still is affecting my credit reporting. The credit reports are showing conflicting reporting. One report shows the account as a open ... .another reports the account as being closed.
XXXX continues to show that the account is closed and has no balance or payment history. This account is open, has a balance and is paid XXXX monthly. 
Attached is my verification of mortgage, an account ledger from XXXX and my monthly statement.
Company switched me to paperless billing. I did not want this, nor did I receive any bill thru e-mail. X/XX/2017 Received notice via mail that account is XXXX payments past due. Called the phone number on letter and paid amount in full via electronic check. Company refuses to admit their mistake / credit me for the late fees & interest associated with this issue.
XXXX XXXX? XXXX from the Wells Fargo Executive Office on a recorded line called me and refused to allow me to record the call also.
I am trying to work through a loan modification with them.
So, they can record calls and when I ask to be able to do the same, they refuse.
I need to record the calls to document for accuracy and legal reasons just as they probably due too.
What do we do now?
On XX/XX/2015 a balance of {$0.00} from XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA place the burden upon the the credit bureaus and the creditors to provide the credit bureaus a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
I had a consultation with a XXXX regarding XXXX XXXX. To my surprise the charges I thought I was looking into were actually charged without my consent nor was I given any financial documentation. Such as lending agreements, disclosures, invoices for a treatment treatment plan, nothing.There is also a credit freeze on my Social so how they bypassed those security measures needs to be audited as well. When the bill came I began contacting the XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX advised me to go back to the XXXX which I did ask the front desk why I was charged when I had not yet agreed to the treatments. After this went back and fourth from XX/XX/XXXXto XX/XX/XXXX, I just agreed to the XXXX XXXX and then the XXXX I originally consulted with left the practice and I had to deal with an unfamiliar XXXX that I ended up not having any confidence in to adjusting my jaw and do any permanent long term XXXX work. I feel it is completely unfair that the patient does not have any control over who the attending XXXX  is for treatment or what or how things are billed without their consent. I have continued to dispute my dissatisfaction with the XXXX office and XXXX XXXX with no resolution. The XXXX  office has submitted false documentation to the lender that my XXXX  treatments had, " all services were received. '' which I never received all my XXXX trays so my XXXX treatment never could have been completed. The unethical practices of both the XXXX  office and lender seem to be in gross negligence.
i have XXXX hard inquiries that do not belong to me i have tried to contact the companies and transunion several times but everybody keep giving me the run around XXXX XXXX XXXX XXXX XXXX XXXX XXXX trans union
I have 2 XXXX XXXX XXXX XXXX tradelines that are showing as negative. Both are installment loans and both are confirmed last paid in XXXX with dates of last activity of XXXX as recently as XXXX. XXXX/XXXX/Experian have willfully and knowingly let this creditor RE-AGE THIS ACCOUNT which is illegal. 

Both of these accounts are STILL showing on my Credit Report after 8 years of date of last activity. Additionally, they will not respond to any letters by US Mail requesting debt validation with specific dates. They have over 30 days to respond and letter sent out over the past 4 months have gone unanswered. 

I need XXXX/XXXX and EXPERIAN to immediately delete this accounts or risk immediate state and federal lawsuit for financial harm and willful/deliberate violations of the Fair Credit Reporting Act. How can these powerful, multi-billion dollar profitable companies have more compliance and hire personel to monitor and now allow for tradelines to re-age very very old tardiness. These credit bureaus are completely liable. 

I have already filed a complaint with the Florida 's State Attorney Office and have already been in contact with a Law Firm ready to file legal action against these 3 credit bureaus. 

Regards, XXXX XXXX
PLEASE REFER TO CASE NUMBER : XXXX Please Note that I have started an investigation the ID number is enlisted above however, I am not able to add or update any additional information therefore, I am starting a new complaint. BSI stated within their last response to the CPFB that they can not generate a monthly statement for me due to the fact that my mortgage was discharged in a Bankruptcy back in XX/XX/XXXX. Which i rectified with XXXX back in XX/XX/XXXX prior to BSI buying the loan. They also stated and acknowledged the fact that I have XXXX loan numbers with the same servicer when I only have a first mortgage with said servicer. I have yet to receive an explanation for XXXX account number which to me is a violation of accounting principals and standards. Nor have they answered my QWR and debt validation request that was drafted and sent to the CPFB as well as mailed to BSI 's physical location months ago. My loan was also converted from a conventional loan to a FHA loan when BSI bought the loan from XXXX and that explanation has not been explained or rectified either.
A company called Commonwealth XXXX called me and told me they were going to serve me court papers and place a lean on my vehicle. I explained I do n't have any debt and do n't owe anything. They hung up on me. I called back and asked them not to threaten me.
On XX/XX/2016 I was contacted by USAA Bank but no message was left. When I called them back, I was sent to the main menu where I checked my balance, at that point I was made aware of an unusual balance of over {$4000.00} in my checking account. I knew that was unusual and called to report it. The rep. XXXX from member security stated that a deposit of {$4600.00} was made, after some questions I was confused due to the medications I take as a veteran and stated that the only possible reason for the deposit was if my father had sent the money. I was not completely sure and was merely stating a thought. I was then asked if I had withdrawn money and I confirmed that I had at some point withdrawn money that week but could n't remember the day or the exact amount. I was then told someone had called in as me and had access to my entire account and it was now under lock. 
I tried to explain that I have been the victim of ID theft thru XXXX XXXX Inc. and did not commit any fraud. 
I was contacted on XX/XX/XXXX by the original USAA XXXX, who badgered me with questions stating I was committing fraud and being held liable. 
I was then contacted by XXXX in the USAA XXXX. that I was going to be held liable but I was not provided any reason as to why.
Equifax recently deleted my former employer XXXX XXXX XXXX XXXX XXXX from my credit report. IRS & The Social security Administration can confirm that I was employed by the company from XXXX. XXXX XXXX have been deleted from XXXX, XXXX XXXX deleted from XXXX, XXXX XXXX. My identity have been stolen, in order to receive my social security XXXX I need my credit report to reflect these employers. For IRS. I 've sent you my name change also. I need for my report to reflect these changes. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I mailed you all of these changes.
I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XX/XX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.
I tried to login unsuccessfully to my online account with HSBC USA. I attempted to reset my password and was locked out for security reasons. I lost my credit card so I did not have the account number when I called customer service to attempt to get my account unlocked. They also require a telephone access code which I did not have at the time. I informed them that I think my card may have been compromised and they did not acknowledge my concern. I provided them with my name, social security number, date of birth, address, and called from my home phone number which is the one registered to the account. They claim I need to provide more information. I did not received a statement of my account for three months. I started receive collection calls at random hours, sometimes as early as XXXX and after XXXX. I have called multiple times to try and get my account unlocked so I can see my account activity and make sure my card has not been compromised and have been unsuccessful. I have all the information required now and they claim that department is closed. This is ridiculous. I have never had as many problems with a financial institution as this XXXX.
I have a mortgage that is now owned by PennyMac. The original home was appraised for {$170000.00} and the current balance is {$140000.00} which is 79.5 % loan to value ratio. I called up the company to have my PMI removed and they declined with the reason that my LTV is not below 80 % yet and so PMI can not be removed. This is a false statement! 

I also called them on XX/XX/2019 at XXXX pm and they did accept that the LTV ratio was below 80 % but they wouldn't remove PMI until the termination date of PMI. I asked if they would do, if my LTV was 78 % or lower and they declined that as well and said the only way to now remove it is to request a Brokers Price Opinion ( which I have to pay for and it may cost between $ 100- {$300.00} ) or an appraisal which would cost ( $ 400- {$1000.00} ).

The information I have read about everywhere says that once LTV is 78 % or lower, it should automatically be dropped, but Penny Mac refuses to do that.
I was doing a trade for a copy of XXXX XXXX, my end was 6 different bots + {$150.00}. 
I had paid him and then he proceeded to block my account and I couldn't message him or do anything at all. I called PayPal, and set up a dispute, but they refused to let me have my money back. I paid him pretty much for nothing. It's a scam because he blocked me and hasn't talked to me for the past couple of hours even after I gave him my end of the deal.
XXXX XXXX XXXX XXXX, USAA I have submit a fraud claim of multiply transactions. USAA i declined the fraud claim due to the illegal activity using my address. I believe that these charges should be credited back to my account. USAA is violating t 15 U.S.C. 1601 et  seq. Especially, the provisions Charges not actually made by the consumer Charges in the wrong amount. 
Charges for goods or services not received by the consumer Charges for goods not delivered as agreed
Citimortgage disbursed {$5800.00} out of my escrow account for my property taxes on XX/XX/2016. As of XX/XX/XXXX these taxes have not been paid. I 've called Citimortgage and told this is normal. XXXX County says they have not yet received the tax money. My money has been missing for 45 days now and the bank has made no effort to rectify the situation.
I have had accounts opened in my name with banks. One of these accounts is with XXXX XXXX. I called them several times last XX/XX/XXXX to notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.
I financed a XXXX XXXX thru regional acceptance in XXXX XXXX I put {$4500.00} and have paid my notes on time every month except the lst 2 because I am trying to get out of this contract and with someone else. I owe more now than I financed. I got 2 deferrments because my mom had an XXXX and I took off work to care for her until she passed away and they charged me almost as much as the note to defer it, not to my knowledge. I have tried to refinance it or trade it in but I owe {$10000.00} more than it is worth and the other companies den me because regional acceptance says I have poor payment history which is not true. I have been trying to rebuild my credit with this loan, but my debt ratio is going up even though I am paying the note. I have chevked into a couple of class action lawsuits against this company but I am at a loss.
I had cellphone service with XXXX. They sent me something to help me receive a signal in my apartment because the service was so awful. After I cancelled service with them, I returned the item to a XXXX store as instructed, but they still charged me for it. The item has been disputed and removed from my credit report a couple of times, but they keep re-adding it. I do not want to have to continue to dispute the same item every three months for them to remove it. I need to know what I can do to resolve this indefinitely.
There are fraudulent charges on my citi/Aadvantage credit card on XX/XX/2018. My card has chip embedded. I also have my wife and son on this card. I had my card in my possession and so did my son. My wife had lost her card. She has filed a police statement with this information. I have procured the fraudulent charges done at Home Depot and given a copy of that to the police. Citi claims the card used for the fraudulent charges has my name on it. Nobody in my family has done these transactions and I did not give my card to anyone. So this is a mystery. The video camera at the point of sale counter should provide a proof of who did the transactions. Also two gift cards of {$2000.00} each were purchased which can be tracked to see who used it. This should absolve me of implied complicity. Instead Citi closed the investigation claiming these are my charges as I had the card in my possession and are now repeatedly making collection calls.
Capital One Credit Card account ending in  XXXX .   This complaint is due to improper communication from capital one to me regarding the balance of my account I did not have any balance on the account after m last payment o n XX/XX/XXXX   .Capital on e charges me {$2.00} interest charge, and I never received a call or mail regarding these accusations. This charge leads to a {$2.00} late fee. When I contacted capital one again  in  XX/XX/XXXX  to obtain  info about my account, I learned that they restricted my account, and that plays a major issue in my credit history. I did n't get any mail of my billing information from capital one ; if I did, i would have paid the interest charge of {$2.00}.   Capital one did not inform me of those charges in any form or way. They send me any information regarding these accusations.
I 'd opened a bank account for my business with Wells Fargo couple weeks ago. To do so i 'd provided all the required documents needed in order to open a Bank account. The Wells Fargo agent who opened it has failed to scan the documents into the system. As a result i kept on receiving mails from Wells Fargo threatening to close my account. I 've made phone calls to explain the fact that everything was already provided ; i went to XXXX Wells Fargo branches couple times to explain the issue. At the end, my account has been closed for failure to provide documentations.
On  XXXX   XXXX ,  XXXX , I was wrongfully charged with a toll violation while driving in  XXXX . I was driving home to   XXXX   XXXX  .     In  XXXX   XXXX , I received the first notice of the alleged violation. I promptly appealed the violation in  XXXX  by mailing the required evidence that showed my   XXXX    account had a positive balance on  XXXX / XXXX / XXXX .     On  XXXX / XXXX / XXXX , I was sent a FINAL NOTICE OF TOLL VIOLATION. Again this violation alleged I had driven through a  XXXX   XXXX  without remitting the {$4.00} toll due. An Administrative fee ( {$25.00} ), a Civil Penalty ( {$25.00} ), and a Civil Penalty Surcharge ( {$12.00} ) took the total amount I allegedly owed the   XXXX   XXXX   XXXX   XXXX   to {$66.00}.     Again, I responded promptly. A  XXXX  employee told me over the phone I could send my appeal via email to   XXXX   XXXX    Custome r Service. So I emailed  XXXX  a printout of my  XXXX  Account Activity, this time highlighted and circled, showing them that my account had a positive balance on that date.I emailed this to them on  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , I received an email response from   XXXX   saying " Im happy to inform you that your appeal was approved, granting you the waiver of the previously applied administrative fee  ( s ). '' The l etter contained a request to contact   XXXX   to pay the {$4.00} toll. The letter did not explain why I still needed to pay {$4.00} toll ; I thought my account activity proved that I did not owe any toll. The letter did not mention any deadline to pay this toll, did not state any possibility of the administrative fees being re-charged, and did not state any deadline before the debt would be sent to Collections.     In  XXXX   XXXX , I opened a Notice of Assignment to a  Collection Agency dat ed  XXXX / XXXX / XXXX , from Professional Account Management, LLC ( " PAM '' ). The total amount due is listed at {$66.00}.     On  XXXX / XXXX / XXXX , I called PAM to dispute the charge. The agent,  XXXX , who would not give me her badge or ID number but stated her initials were "  XXXX , '' told me she was making note of my dispute but that she could not help me, I would have to talk to  XXXX .     I immediately called  XXXX , and spoke to  XXXX  and then a supervisor. Both parties would not admit any fault, and simply said that because I did not pay the {$4.00} in  XXXX , they had referred the entire amount of this completely bogus claim against me, {$66.00}, to the collections agency. I told them I would pay {$4.00} right then and asked them to alert PAM that my debt was settled. They refused.