WillisBack/dataset-financial-user-claim huggingface dataset:
I did n't receive a proper response from XXXX or Experian as to how the result of Charges from XXXX XXXX XXXX XXXX, can be charged with 3 large amounts and they can verify your identity properly with the merchants bank and just call it a valid charge, and XXXX is telling me only to dispute the charges with the merchant and it 's not fraud, and basically the police report did nothing to supposedly " write off the charges ''. Words ca n't describe how frustrated that I am with them. I should have the charges removed and the account removed since I have charges on there, from almost 4 years ago, and none of them should have been stated as made by me, because I never saw any of the transaction go through at all regardless of what ones were signed for. It is against New York state law, called forgery in the second degree, when somebody unrelated to you forges your signature.
RECEIVED MULTIPLE LETTERS FOR ALLEGED DEBT. MULTIPLE TIMES, I SENT LETTERS REQUIRING THE THE DEBT TO BE VERIFIED. TO DATE, OVER 90 DAYS REFUSED TO DO SO. HAS SINCE REPORTED THE DEBT TO CREDIT BUREAU 3XS. i WANT IT DELETED.
I fell into default on my mortgage when I had to move for a new job and needed housing in a new city. I received a letter from my lender, DiTech, requesting that I contact them to discuss options. I have called five times now at times when they are open for business and each time am sent to the voice mail of a " XXXX. '' I left detailed messages each time along with my phone number and a request that she return my call. I submitted two different email complaints to the company about the non-responsiveness and my need to speak with someone immediately. They did not respond either. I believe that because I have mortgage insurance, they are intentionally avoiding me so that they can foreclose and collect the mortgage insurance and the proceeds from foreclosure. This is not right. They are required to offer me several options to avoid foreclosure but all of these are unavailable to me if they refuse to return my calls. Please help me with this as quickly as possible as the lender will foreclose very soon. The lender is DiTech Financial LLC at XXXX XXXX XXXX in XXXX XXXX, SD XXXX. Their telephone number is XXXX. 

Thank you, XXXX XXXX XXXX
Suntrust mortgage  went thru the steps but never received papers and always asked for more.   also, I just learned that suntrust should have had to notify me when the ownership of my loan changed hands within 30 days. i was never notified when, meers transfered ownership back to  Suntrust an d   XXXX   XXXX   made  Suntrust take  the loan back.So twice my loan changed hands, and both times I was never notified. to this day. I have never been given notice.   I was never notified this in writing. they even got in trouble earlier when i applied for my loan. I was in  XXXX  and was living in both   XXXX   and  XXXX  for work.  Suntrust tried  to claim on my mortgage insurance and the insurance denied the claim becaus e Suntrust wrote a lo an that I was suppose to be living in the home full time and they new I was both in  XXXX  and  XXXX . My tax returns even had a  XXXX  address. They should have qualified me for a loan that I was living in both states off and on. S o Suntrust qualified m e for the wrong type of loan to start.Please investigate this. thank you.  <P/><P/> thank you
According to XXXX XXXX XXXX XXXX, credit cards can be removed 6 years 9 months after closure of account. The following accounts should be removed from my reports : XXXX XXXX, XXXX, Bank of America, and Bank of America. It has been more than 6 years for each of the accounts. I want them removed.
In XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed XXXX asking for proof of it being my debt ... no answer. I gave permission for XXXX to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX
I was told I needed {$2200.00} for my down payment/reserves. Now they have changed it AGAIN and are now requesting {$3000.00}. This company keeps changing how much I need. And have done so multiple times. My original amount included my homeowners insurance and now they are jacking up how much they need. This is like the 4th or 5th change in how much I need to close. I am supposed to close on the XX/XX/XXXX and now because they are pushing for more money, I will not be able to close in time. I have the XXXX. Because that 's what I was told I needed. Im seriously getting sick and tired if being XXXX around. I have reported this company to the FTC. And will continue to file complaints because what this company does to clients is absolute garbage.
In XXXX, I was contacted by telephone the caller saying he was collecting a student loan of {$750.00} that I owed from XXXX. He was brutal in his language and demeanor. He said the loan had accumulated over {$5000.00} in interest. I had never been contacted before regarding student loan debt and believed that all of my loans were satisfied. This groups passed my account back and forth between collection agencies XXXX name only XXXX located in Texas. I was quite ill at the time. I asked for proof of the debt and they refused and threatened to garnish my social security - my only source of income. My doctor provided information to them about my XXXX and their doctor confirmed it ; however, they insisted that I sign an agreement to pay. I signed with a statement that it was under duress. They refused to accept it that way and so I signed and sent a letter saying it was under duress. That letter is missing from my file. Since then they have garnessed my social security several times. Finally I was just granted a deferrment from the DOE but this collection agency still reports the loan has XXXX missed payments. I never agreed to payments and have notified them several times that this information is false.
My last successful login and action on my account was on XX/XX/XXXX involving the selling of all crypto assets ( ~ {$4000.00} USD ), and keeping said assets in my USD wallet account - This was done on XX/XX/XXXX at night Pacific Time, though I do not know the specifics of the timing.  Any actions conducted from XX/XX/XXXX onwards were not authorized by me. The motivation of selling said assets were to prevent my total capital gains from falling as the crypto-market was bearish. Likewise, I've always kept my crypto trades a secret from anyone. 

On XX/XX/XXXX, suspiciously convenient unauthorized actions were performed purchasing {$3000.00} and {$1000.00} worth of BTC on XX/XX/XXXX. I have confirmation e-mails of said actions that were received around XXXX and XXXX XXXX respectively. What is even more suspicious is that at XXXX XXXX, my 2FA settings were changed, though I did not receive notice of this until after my account was compromised. Likewise, a request to change my e-mail account was conducted at XXXX XXXX. 

I noticed these attacks an hour later after they happened, and unfortunately, immediately had to wait for another 2 hours or so waiting for the customer service fraud hotline to speak to me regarding my account. I felt extremely panicked especially when I logged into my account to check whether or not the deposit of {$4000.00} into my BTC was made - it was not.The call was rather unhelpful, as the only actions performed were to disable my account, and refer my case to a " specialist, '' with no time-frame given to as me when the issue would be resolved. 

After a LONG three-weeks after the incident, I received feedback on my case questioning the security of my household and wether other individuals had access to my information/codes. At the time, my household only contained two individuals - my mother and I - so naturally, I found it offensive that they questioned the integrity of the security of my household when this case arouses suspicion of internal fraudulent activity. 

Likewise, Coinbase suggested that I change the passwords of my Coinbase account, and to run malware scans on my computer, and to change my password of my e-mail accounts - all of which I had completed during my following customer support call. After having updated all that I can, I have not received any further communication with Coinbase since. Moreover, I remain locked out of my account with no ability to recoup my money that remains in my account. 

My case number : # XXXX Email : XXXX Phone Number : XXXX Side Notice : I had previously transferred money to a different wallet ( to XXXX ) in order to purchase XXXX   before. The documentation and evidence of this is attached as the e-mail correspondence with CoinBase suggests that I had chose to externally transfer my funds outwards. I have no e-mails confirming this except the one time transfer I made from Coinbase to XXXX in order to purchase XXXX. This can be cross confirmed with XXXX.
This debt was not verified. Ive tried reaching out to this company and tried asking them to validate the debt. They could not. I only received a bill. Nothing that Ive signed, a contract, dates, just a bill but no actual validation. The original owner of this debt is XXXX Ive contacted XXXX  via phone and they were not able to locate my account or give me a balance that was owed. I went in store as well but again, they were not able to validate this debt. How is it that the debt collector can claim I owe XXXX dollars with no validation, but the original company can not locate my files? There is no signature, no breakdown of this debt.
requested transunion unauthorized inquries remove and transunion customer services refused to dispute and remove. 
unauthorized creditor : 1. XXXX 2. XXXX 2 times
I bought a house on XXXX 2014 and I was presented with a property tax certification of {$0.00}. In other words that the house did n't have any tax debts. Later I received invoices for property taxes XXXX years before the closing date. Since this was a foreclosed house I contacted the bank that sold it to me and they said I was responsible for paying all those property taxes.
{$180.00} dollars was stolen from my account when I agreed to pay said amount for concert tickets to a man online. When I payed this money, the man subsequently blocked my number, closed his XXXX account and I am now unable to reach him. I called my bank and tried to file a claim, but Wells Fargo denies to cover this, despite being a massive bank and being insured. The app is vulnerable to be used by fraudsters, and should be closed down, or accounts should be more closely tied to customer 's identities. The fact that XXXX openly acknowledges the absurd amount of fraud that happens on their application, but refuses to do anything just shows how they are violating the trust of the consumer.
US Bank has notified me that i have a escrow storage of {$3000.00}. I called the escrow people on XX/XX/XXXX and was told by the agent that when I filed for Bankruptcy in XX/XX/XXXX, USBank bankruptcy people took {$2400.00} from my escrow account and never returned it. That never told me about this. It may be more than that. 

The bankruptcy was discharged XX/XX/XXXX and i kept my house as i was current on the payments. They withdrew money from my escrow account for some other purpose than covering taxes and insurance. AND they never told me. And never returned it. 

They also did this in XX/XX/XXXXwhen they mistakenly paid for two homeowner insurance policies. I had that fixed and repeatedly asked if my current payment of {$960.00} was the right amount and have letters saying that was correct. 

XXXX XXXX in the bankruptcy was supposed to call me but to date has not. 

I need a full review of payments and withdrawals from XX/XX/XXXX to present. 

No matter what the outcome, USBank must be required to stop withdrawing money from escrow without telling me immediately! And not use escrow for other purposes then taxes and insurance.
CMRE Financial continually leaves me voicemails from numerous phone numbers. The voicemail says " This is CMRE Financial contacting XXXX XXXX, if you are not XXXX XXXX .... ''. When I call them back to tell them " this number is not XXXX XXXX 's phone number, never has been and our divorce was final 2 years ago '', they respond with " we're not calling for XXXX XXXX, we're calling for you, XXXX XXXX ''. 

CMRE Phone Numbers I have had to block in my phone : XXXX XXXX XXXX XXXX XXXX
I have a US Bankruptcy being reported against my Social Security number on my Transunion report. On XXXX XXXX, XXXX I in fact called the Office of the Clerk of the Bankruptcy Court in XXXX, Pennsylvania where TransUnion is stating this information is being reported to them from. 
I was informed at that time that the US Bankruptcy Court for the XXXX District of Pennsylvania Does NOT provide information regarding case filings or dispositions to the credit reporting agencies. Bankruptcies are public records and the credit agencies have 3rd parties collect this information for them. 
After speaking to a customer service speacialist today, XXXX/XXXX/XXXX, XXXX. I in fact was finally admitted the truth that TransUnion does indeed use XXXX XXXX to obtain this information. XXXX XXXX is a " for-profit '' company that sells the information to the credit bureaus, all calls to Transunion are recorded and this call and information can be retrieved by either you, the CFPB, The Attorney Generals Office, or my own personal attorney if need be. The phone call happened between XXXXXXXX XXXX through XXXXXXXX XXXX. This is a serious violation of the FCRA to report false information. By reporting the information on my credit report as getting it from the court itself, when it was actually obtained from an " unnamed '' XXXX XXXX, is easily considered " false information '' on my credit report. 
Furthermore, when I last disputed this with Transunion, they went as so far to send a letter back stating that they did " veryify '' the information with the court! Again, this is a complete and blatant lie. I am very well aware that Transunion uses XXXX ( online solution for complete and accurate reporting ) that automatically checks with XXXX XXXXs. Its very hard for XXXX XXXX to verify my information when I have had a security freeze placed on them since XXXX XXXX, XXXX. 
Lastly, It is very compelling to me, other than the bold lies, why both XXXX and XXXX ( the " mother '' reporting agency ) admitted their ignorance in reporting this false and remove it quickly, please see attachment, XXXX on or around XXXX XXXX, XXXX and the " mother '' credit bureau, XXXX on XXXX XXXX, XXXX yet Transunion wants to repeat its lies even though I have the proof and am willing to go to court over this issue and present a lawsuit.
Prior to my monthly payment due date, I contacted the creditor to set up a payment to come out of my banking account on the due date.A few weeks after the due dates, I was receiving several calls from an unknown numbers and also several messages were left with my co workers at work regarding past due payment which was very embarrassing and put my job at risk. I contacted the creditor and informed them that a payment was scheduled and to, perhaps, be patient until it 'd go through and also to not ever call my job.After coming back from a 3 week vacation, I was told by co workers that this creditor had been calling everyday regarding my account being past due and which resulted in a verbal warning from my manager. I then noticed that the payment had never come out of my banking account. After contacting the creditor again, it was determined that XXXX of the digits from my banking account was missing prompting to the payment not going through.Correction was made on the phone and, afraid that this may occur again, I decided to pay off the remaining balance while I was on the phone with the agent. Several months later, I noticed that account was being reported closed by consumer request and also a late payment on my credit reports which really affected my credit score. Given all the harassments received from the creditor because of a late payment that was not my fault, I decided to dispute the reporting on my credit files. The creditor declined to remove the late payment as well as removing the comment " closed by consumer request '' because I never requested to close the account. I then decided to contact the creditor directly by mail and requested to remove the late payment.The creditor informed me that they have conducted an investigation and that there have no mistake, therefore declined to remove the late payment from my credit files. I then challenged the creditor to go back and review all prior phone conversations and my request was also declined.
Hi, I am unable to get the FICO credit score.When I am trying to get the credit report, I am getting error message like they are unable to match the information I provided with the credit information database.I am sure that I am providing the correct details.Could you help me to find out what information is wrong on my records and how to correct that information.
TRANSUNION has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that TRANSUNION HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - TRANSUNION are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. TRANSUNION is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
These guys from XXXX XXXX keep calling me and telling me that there is a legal action for Theft of Business services and it s a felony and Im going to Jail.
XX/XX/XXXX I opened a bank account at First Republic Bank in XXXX, California. The Manager ( XXXX XXXX ) recommended a checking account that waives the non-Bank ATM fees for $ XXXX/month. 

XX/XX/XXXX 12 months later, I was recommended by Customer Service to down convert my account to avoid costly Non-Sufficient Fund fees cause by a high monthly service fee. Three Monthly service fees were reversed ( {$75.00} ). 


XX/XX/XXXX XXXX I followed the advice of the customer service agent and had the account converted by the Assistant Manager to one that only charges $ XXXX/mo. I also increased my direct deposit from my job to keep a healthier balance. 

XX/XX/XXXX Once I followed the advice of Customer Service, the Manager who initially opened the account decided to close it because reversing fees Affected him personally. When I spoke to the manager ( XXXX XXXX ), he was rude, condescending and unprofessional. There was no warning or opportunity appeal the decision.
XXXX Synchrony Bank who handles the in store credit accounts for Amazon.com has been bugging me for over a month saying I have to pay all kinds of charges and saying I was late with a payment. only thing I have been making all my payments on the third of the month, I have my statements that verify this, XXXX payment and I still do not know what happened was a little late and you would think this is XXXX XXXX XXXX, my new payment was going to be made when my annuity check comes in till then I am being called on the phone all day long or e mailed sounding like I am a dead beat and I am not, I 'm just a XXXX year old woman. and tired of the complaints.
Concerning my XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX. ),  Experian is presently reporting ( 2 ) instances of this account inconsistently and erroneously ( 1 for myself, XXXX XXXX XXXX, wherein the XX/XX/XXXX payment is reported as > 30 days past due and 1 for my wife, XXXX XXXX XXXX, SSN XXXX, wherein the XX/XX/XXXX payment is reported as NOT past due ). Experian is in violation of state and federal law in doing so. I demand that Experian delete the XX/XX/XXXX payment regarding XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Reporting XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX. ) 2 times is inconsistently is adversely impacting my credit score.
XX/XX/XXXX Nelson Cruz and Associates XXXX called me telling me I had an old debt with XXXX XXXX and was that I being sued and my home foreclosed on. I have no idea what they are referring to. They refused to send anything in writing. Got very hostile with me. Called my daughter as well. This firm continues to to call my daughter who is a teacher my elderly parents and my sister. 
XX/XX/XXXX NCA called my elderly parents and bothered them. called my sister as well. 
I called them back. They refer to cross collateralization on a debt from XXXX. I asked again for them to send me a letter stating what and if I owe. They again refused. They state I owe XXXX XXXX XXXX from a debt from XXXX-XXXX. they can not tell me if its a loan credit card or what. I know on no such debt.
The account was paid in full as a collection with the understanding that it would be removed would be removed from my credit file after they received the payment the account was paid and closed on XX/XX/2014
Bank of America I have noticed holds charges then submits to charge overdraft fees, example, I would use my debit on the XXXX for a burger and fry at XXXX, that transaction will hold 3 days then when account low, I become negative and they charge me, all my transactions are never in order.I was once charged a XXXX charge.I also filed a claim on a XXXX charge that wasnt r ight, I won it, recieved a letter stating its permanent for the bank to try and take it back out of my account and charge overdraft for it.Bank of America will hold transactions to charge fees.On XXXX I woke up and my bill pay went through, its XXXX, now at XXXX I go to the XXXX and buy XXXX $ eorth of stuff, you put yhat transaction before the bill from when I eoke up, so u can charge a fee.
I have a CA State lien that has been released XXXX XXXX, 2013. 
Ref Number XXXX Contact details XXXX County XXXX XXXX, CA XXXX XXXX
On  XXXX   XXXX ,  XXXX  I purchased a car from  XXXX   XXXX   XXXX   XXXX   XXXX    in  XXXX , VT.   Said car was financed thr ough Credit Acceptance Corp. out of    XXXX , MI.   My finance contract had the purchase price minus my down payment, but also included fees for the extended warranty and for th e GAP Protection.      On  XXXX   XXXX ,  XXXX  I re-financed my car through my local credit union and a check for the payoff amount was sent t o Credit Acceptance Corp.      That GAP protection was issued by  XXXX   XXXX   XXXX   XXXX    and I was told by them that the protection was cancelled and there would be a partial refund issued. I then spoke with a customer service agent  at Credit Acceptance an d was flat out told that there would be no refund issued to me on this.     My contract has me paying for the car, the financing, the warranty AND the GAP!   My refinance took care of the pay-off. So I should be entitled to that partial GAP refund because I 'm the one who paid for it.      Credit Acceptance Corp., is re fusing, actually they are just telling me that there will be no refund issued to me for the GAP period, end of story, sorry! BS