WillisBack/dataset-financial-user-claim huggingface dataset:
I used to live with my sister in XXXX, and we agreed to have the cable company under my name which is call XXXX, but apparently she stoled my information to put the light under my name too and i wasnt aware of it. I just lived in XXXX with her for a year. I notice that i had this dept from XXXX XXXX after it was already in collection because i wasnt aware of this. She never told me anything.
I been harsed that the company has contacted my employer and said that I have a bad debit the company name is c b e group address XXXX XXXX XXXX XXXX Iowa zip XXXX account number that I have no knowledge of is XXXX this debit does not belong to me XXXX XXXX
I 've requested a mortgage modification and submitted financials to Wells Fargo Home loans several times. I have been unable resolve this matter because Wells Fargo refuse to process my request. I have spoken with several relation managers regarding this matter. I 've been told they have n't received my documents or they need documents I have previously forwarded to them. It is very apparent to me Wells Fargo is intentionally mishandling my request. I 'm currently residing in the property and I do want to maintain ownership of my property. There is a property foreclosure sale set for my property XXXX/XXXX/2016. I recently received a property foreclosure correspondence from Wells Fargo foreclosure Attorney, The correspondence is not a XXXX notice prior to the foreclosure sale as required by Texas XXXX. I appreciate your immediate attention in this urgent matter. Thank You
I have been disputing a credit card account, that does no belong me, that was reported to all credit bureaus by Wells Fargo. The credit card belongs to my cousin who has had this card for more than 15 years, and in 2007, it appeared on my credit report. He called Wells Fargo to inform them that the card belong to him and should not be on my credit report. They told him all they could do is cancel the card but it will still show on my account negatively. He still use this card today. All these years this has effected my credit, my ability to get jobs, new credit, and most importantly, I have had to make some challenging life decisions because of this neglect from Wells Fargo.
I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT I WAS DENIED BY MY SERVICER OCWEN ON X/XX/17, I CALLED THEM AND COMPLAINED. THEY STATED THAT GUIDELINES JUST CHANGED THE PRIOR WEEK SO THEY WILL REVIEW THE FILE AGAIN. THEY SENT THE FILE BACK TO THE UNDERWRITING DEPARTMENT AND ON X/X/17 I RECEIVED THE EXACT SAME DECLINE LETTER, MY INVESTOR DOES N'T HELP HOMEOWNERS THAT ARE OVER 90 DAYS DELINQUENT. THIS MAKES NO SENSE AS IT TAKES 30 DAYS TO MAKE A LATE 30 DAYS TO GATHER THE NUMEROUS DOCUMENTS OCWEN REQUEST OVER AND OVER AND THEN THEY SEND THE FILE TO THE UNDERWRITING DEPARTMENT FOR A DECISION WHICH TAKES 30 DAYS. OCWEN PUTS BORROWERS LIKE ME OVER 90 DAYS AND THEN SAY THAT MY INVESTOR XXXX XXXX DOES GIVE MODIFICATIONS BECAUSE I AM OVER 90 DAYS LATE. THIS IS OUTRAGEOUS!!! I ASKED OCWEN THE SERVICING COMPANY IF THEY EVER SENT MY REQUEST FOR MODIFICATION TO XXXX XXXX MY SERVICER AND THE REPRESENTATIVE STATED I DO N'T KNOW, I ONLY KNOW YOU WERE DENIED NOW WHAT IS YOUR INTENTIONS WITH THE PROPERTY. IT SOUNDS LIKE THEY ARE TRYING TO FORCE BORROWERS OUT OF THEIR HOME SO THEY CAN RESELL IT TO THEIR FRIENDS " INVESTORS '' THAT ARE BUYING OUR HOMES BY THE BULK CENTS ON THE DOLLAR. HOW DARE THEY PREY ON THE WORKING CLASS TO BENEFIT THEMSELVES. I AM NOT GOING TO LEAVE MY HOUSE AND I AM NOT GOING TO BE VICTIMIZE BY CORPORATIONS LIKE OCWEN OR XXXX XXXX
I paid of these loans several years ago but I am continually contacted by assorted collection agencies about the loans issued while I was at XXXX XXXX XXXX. I pay a lawyer to send a letter with the proof of payment but the collection agencies seem to just sell the debt to another agency and the process repeats itself. It is like being hounded by an old ghost from a very bad time of my life.
This company, American Medical Collection Agency ( AMCA ) was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
I had a paid account that was still listed as open on my Transunion report. I contacted the creditor and had them confirm that this account was paid and should be closed and removed from my credit report. After they contacted trasunion to have this discrepancy removed my credit score went from XXXX to XXXX. I contacted Transunion to dispute this change, noting that my score should have either stayed the same or increased. Since any items falling from my credit report should be a positive mark on my report. When I had the same situation happened with XXXX they fixed it and made my score go up for paid/deleted accounts. Transunion told me that option was not available to me and actually tried to sell me a credit report even though I have already ordered my direct credit report through Transunion and I explained that to the rep. It was as so they were Car Dealers and their only concern were to have me purchase something else before getting off the phone. They were reading from a dialogue and not being personable at all with me nor my situation. Once I told them I would be contacting consumer services they grew angry with me and tried to push another product on me which I then hung up the phone.
Received notice from Convergent stating I owe a debt in the amount of {$520.00} I have mailed a letter to the company XX/XX/2018 stating this debt was due to identity theft and does not belong to me. I have received repeated attempts to collect this debt after sending letter asking agency to stop.
I was using an app called " XXXX  '' which allows people to sell stuff online. So I got in contact with someone who claims to be part of a company called " XXXX XXXX XXXX XXXX '' and she was selling an XXXX for {$170.00}. I got her number and email which we used to contact each other. Then I paid her through an app called " XXXX '' and she told me XXXX would hold the money until I receive the phone but I have not received it yet. She told me I would receive it Monday afternoon. She also gave me two different tracking numbers to track my package but I can't track them at all. I try to call her, but my calls are rejected. She doesn't answer any of my messages in both mobile and email. I already contacted XXXX  and they said transactions are on the spot payment so XXXX has already received my money and I have not received my phone and I have no idea where it is. Will you please help me? I will give her contact information when you respond.
I had a My rtgage with XXXX XXXX that foreclosed in 2009, it was supposed to be removed from my cr fit reports last year, but regardless of opening complaints with all three credit bureaus it 's still showing
This account is time barred debt. I have written to Midland and contacted the credit bureaus several times to no avail. It is being reported on all XXXX credit bureaus. I have included how they are reported on my reports.
I receieved a new card in the mail a few months ago. I tried to activate it online when I was prompted to call a number because there was an isue with the account. I called the number and was informed the account was restricted because it had been flagged for fraud. I was told in order to remove the restriction I would have to verify my identity as well as the identity of the co-signer on the account. I immediately informed them that I would not in any way be able to provide documents for the co-signer as I no longer have any relation to this person. I also informed them that I wanted this person removed from the account. I was told that this would be fine and that a link would be sent to my email for upload of documents for my identity. During this process several other calls were made to check progress, etc. during none of which I was informed that i would still need to verify identity of co-signer. During XXXX of the last few callsI made ( about 2 or 3 weeks ago I was informed the only thing we were waiting on was my proof of address. ) This was then sent in after which a few days passed by and there was still no response. I then decided to call and check progress, it was in this moment that I was informed that my identity had indeed been confirmed however they were waiting on the documents for the co-signer. I explained the situation to the person attending my call and was then provided with the extension number for the person working my case ( who by the way either just does n't answer the phone or is never in office, name : XXXX, extension number:XXXX. case number I was assigned by capital one is : XXXX ). I left several messages with this person to no avail. This morning I called again and still no answer, so I called back to the regular offices only to be told the same story, which at this point no longer bothers me ... .even though it is my account, under my name, with my money and I do n't feel, especially after they had told me it would be fine, that I need to verify any other identities besides mine ... ... .what bothers me is that they wo n't even cancel/close the account. I am being forced to have an open credit in my name which I can not use and have no access to.
I checked
my credit report ( XXXX ) on XX/XX/XXXX and showed I had a collection account listed. It stated lender was 12 Buckeye Lending Solutions showing date opened XX/XX/XXXX with status updated XX/XX/XXXX. I did some research and realized the address and contact phone listed on credit report was too XXXX XXXX XXXX ( collection agency ). I disputed account with XXXX and their dispute process was very vague and have been trying to validate debt with actual signature as I have no idea what this account was. I was advised it was a payday loan from XX/XX/XXXX, which seemed odd it was just reported to credit report XX/XX/XXXX. I advised XXXX to have account removed from my credit report as it is hurting my score to obtain a new home mortgage and dropped my score 20+ points.
I also submitted complaint to BBB regarding this issue with no resolution provided.
My information has been breached with Equifax and my identity has been stolen. I have already resolved the issues with XXXX and XXXX but Equifax still has yet to answer my questions when I call about my credit report being compromised with accounts that do not belong with me. I have tried to file a dispute on Equifax website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime i tried to check the resukts i would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto XXXX XXXX only to see two accounts that do not belong to me. XXXX and XXXX removed them so Equifax should fall in line and follow suit because they are violating my consumer rights under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX I attest that these accounts do not belong to me and I want them removed immediately to public records breached and identity theft
I have been paying Wells Fargo Dealer Services more than the due amount every month. They have unlawfully charged me insurance fees, fees that ONLY cover the company in case anything happens to the vehicle and repossessed my car with no notice. 
Wells Fargo has done everything they can to keep the vehicle. I have been treated poorly by their representatives who are looking at the account and yelling at me like I owe them money, without even looking into the charges. 
No one that can help will speak to me. I have been given the run around and transferred over and over again. The few that I have spoken with have been very rude. 
They have now contracted a third party auction place who is charging me {$1000.00} in fees ( transport fee, storage fee, fee for items IN MY VEHICULE, ect.. to get the car back and is at this point, doing everything they can to keep the car and sell it an their auction. 
They transported the vehicle over XXXX miles away from my residence and expect me to find a way to it. 
You 're better off with a small bank or credit union. Wells Fargo could not care any less about any of their customers as long as they get paid.
Equifax data breach. Millions of American 's personal information was compromised, and I 'm one of them. In addition to Eqifax 's security measures being not-good-enough, they waited FAR too long to notify consumers, which prevented us from taking timely-enough steps to protect our own credit. 

Add in the facts that top Equifax executives dumped a lot of stock in the company before making this news public, and that the resolution steps Equifax is currently offering their effective consumers require those effective consumers to agree to NOT participate in any class-action lawsuit in order to use Equifax 's provided resolution steps, and the whole thing is unacceptable to consumers.
Have been trying to find out if I have been compromised by the Equifax breach for over one month.  Every day when I go to the website https : //www.equifaxsecurity2017.com/ I get the message that the service is " temporarily '' unavailable. Calls to Equifax connect me to an automated line which does n't give me the option to connect to them to freeze my credit, something I am considering, but I ca n't chose that option or speak to a representative.
I need a loan modification release from XXXX XXXX from XX/XX/2001. XXXX has since gone bankrupt and Freedom Mortgage has taken over their company. This loan was in my previous married name and my ex husbands name- XXXX XXXX & XXXX XXXX XXXX . I have contacted Freedom Mortgage twice now and they will not help me with this issue so I can trade in my current home for a new one and complete all the closing documentation. The title company has also contacted them for this without resolution.
I am losing my home I am trying to get a loan modification but Ditech say they are not getting my paper work I have faxed them every thing they said that they needed this has been going on for two months this company is not trying to work with me
XX/XX/2014 I received a line of credit from Navy federal. I was currently XXXX XXXX XXXX at the time. Due to the XXXX interfering with my pay ( i.e collecting money that wasnt owed, missing paychecks ) I had trouble paying it. It became a charge off but it is definitely PAID off now.
The address below i do n't recognize I never live in TX. I never visit TX I assume some one is trying to commit fraud using my name. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX
I contacted chase bank XX/XX/2019 and they still have been holding my {$1000.00} cashiers check for over 3 weeks and will not release my funds to me and they have closed my account. My account was closed due to no reason and it was a business account. I need my {$1000.00} returned to me ASAP.
There is an account reporting on my Equifax and XXXX that is past the statue of limitations yet this XXXX XXXX continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?
On Thursday XX/XX/2018 I reached out to this bureau to request that fraudulent student accounts that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. They did remove some but not all of the fraudulent items. 

They did not remove : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX XXXX I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act. 

I would also like to request a copy of the investigation including the company ( s )  they are receiving this fraudulent information from.
I an reciecing calls from " XXXX XXXX '' on my cell phone. They are leaving messages for my deceased nephew. He lived in XXXX and I am in XXXX. When I call and advise that he committed suicide two years ago, then demand to know who they are and their company address, they say their information in protected by privacy laws then hang up on me. 

Because of this, I can not get further information.
In XXXX XXXX the United States of America Consumer Financial Protection Bureau filed a consent order against LoanCare, LLC. My mortgage was sold to XXXX and in XXXX XXXX Loan Care, LLC continue to withdraw the payments and refuse to send 2 months to the new lender, XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). Several attempts have been made and all received is the run around or we have not received anything. I have faxed, called, email information concerning this issue. It has become harassing and threaten phone calls from XXXX XXXX. I am requesting a through investigation into this matter. 
XXXX XXXX, XXXX @ XXXX Thanks
My Fico Score is XXXX. I don't have unpaid debt to collections.

Debt Relief Center ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX above has been sending robocalls to me and my family for about two years ( landline and cell phones ) without identifying themselves.

XX/XX/2018 : I received an Important Notice from them ( Attached ).

I send the a certified letter to Debt Relief Center to cease and desist communication with me and my family ( Attached ).

XXXX ignored my request and continue calling me twice ( morning and afternoon ) daily.
I never received a response back concerning my disputing what this company stated for my XXXX/XXXX/2016 complaint. The company still has not removed the false items from my from my credit report. On XXXX/XXXX/2016 I responded to this company .... I do not agree with this. You can come up with XXXX pieces of paper, but until you come up with a legal document that has my original signature that I walked into a building and signed you have nothing. I did no such thing as go on a computer and borrow money from anyone Ad Astro has not contacted me via phone, because I have never spoken to anyone at this company nor have I received any mail from them. Ad Astro just reported the accounts on my credit report and that is how I found out. All XXXX of my credit reports for 3 years had initial fraud alert 's placed on them, because someone had used my identity. Not until last year did I have the fraud alerts removed from my credit reports. Ad Astro has been no help at all in trying to get this situation corrected and the items removed from my credit report. Also, e-signed documents are not documents showing my signature. If I needed to take out loans I would have walked into an office requesting XXXX. Ad Astro claims that they checked accounts information and was told that the accounts were correct in there response, ok so where is the actual documents showing that I signed for loans, there is none. Ad Astro seems to just update the XXXX and not even check to make sure that the information they report is correct. At no time have I been sent documents showing anything that this company claims to have done to correct or even look into this issue. I will not pay a debt that I did not create. Anyone can go online with my information as they did and take out a loan. I feel like this company should have validated the identity of the person that took out the loan with a photo or something more accurate, but they did n't and why have n't the loan companies contacted me if I so called owed them for a debt. And please stop lieing in your response in XXXX paragraph stating that you all remove items until the issue is resolved and then turn around in the next paragraph and say we have contacted the bureaus to place the items back on to reports when in all reality nothing was removed in the first place.
Walmart sent me email promotion on XX/XX/2016 promising {$50.00} e-gift card within 10 days if I applied and was approved for their XXXX through Synchrony Bank. I applied and was approved the same day, XX/XX/XXXX. I received the MasterCard ending in XXXX. I have not received the {$50.00} gift card. When I call Walmart, the only response is that they are working on it. It has been well over 2 months.
Around  XXXX     2015, Discover had a  promotion : open  a new Discover card acc ount and get 20 % cash back for all  XXXX  spendings through the end of  XXXX   2015. Total cas h back limit is {$2000.00}.   In response to the promotion, I opened this account in  XXXX  and spent over {$10000.00} on the card through  XXXX . Howeve r, Discover  only credited my account for a total cash back of {$520.00}.   Subsequent multiple phone calls to Discover customer service only resulted in promise of someone will call you back and take care of it. But no additional cash back posted to my account and no phone calls either.
In XX/XX/XXXX I became delinquent on my consolidated student loan. In XX/XX/XXXX this information was reported to credit reporting agencies. For example my Transunion report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My XXXX reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XX/XX/XXXX. XXXX does not report this original account. 

This account was transferred for collection within the Department of Education.  The collection account is being reported to XXXX, XXXX, and Transunion. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with XXXX, XXXX, and Transunion. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for DOE to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due  XX/XX/XXXX , 30 days  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , 60 days  XX/XX/XXXX , 90 days  XX/XX/XXXX , 120 days  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.