WillisBack/dataset-financial-user-claim huggingface dataset:
Last fall Champion Mortgage ( Reverse Mortgage ) paid my back taxes I was not able to pay due to being in the hospital 7 times for different issues. They notified me that my house was going into foreclosure. XXXX XXXX 's office put me in touch the XXXX Legal Aid. They got foreclosure date moved out to XX/XX/XXXX 2018. I use to work for a mortgage company and noticed a lot of questionable charges on the balance I was owing. Like drive by appraisals at {$20.00} each and full appraisals of almost {$500.00} each. I requested Legal Aid contact Champion Mortgage to find out who and when these appraisals were done. Legal Aid had made several requests to Champion Mortgage for this information, and at first told them it was in the mail. Legal Aid never received the requested information from Champion Mortgage. No one has ever come to my house to do a full appraisal. I would still like to know the date, person who supposedly did them. Also, once a year Champion Mortgage will mail out a verification of ownership to me, to sign, date and return back to them in their envelope, which I have always done right away. I will always received a " 2nd Request '' a month later asking for the very same thing, I mailed back a month before. This year they stated they sent a verification of ownership in XX/XX/XXXX, which I did not received. In XX/XX/XXXX I got a " 2nd request '' again, only I never received the 1st request. I signed and dated it and mailed it back the same day. In the body of the letter, they state if they do not receive it within 30 days, they will send out someone to do an " appraisal '' and charge it to my account. They had contacted neighbors asking personal questions about me, and if my house is being lived in or boarded up. They neighbors have complained to me about these phone calls. I did not want everyone in my neighborhood to know about my personal business. If they were doing the appraisals, like they say they are, they would know that I am living here, and the house is not boarded up. That can be verified with Legal Aid also. I would like to know when these so called appraisals were done, by who, and who they spoke to at my house. I am the only person who lives here and I have never spoken to anyone or let anyone in the house from Champion Mortgage. I feel this is a very dishonest company and very difficult to work with. I had a difficult time with them, and now Legal Aid is having a hard time working with them.
The following accounts and credit inquiries listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018.
I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, Medical Data Services has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. I would like assistance with helping them remove these unauthorized accounts from my reports.
wells fargo bank is blocking me access to my account/money & has since XXXX. 
XXXX store manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, al XXXX she blocked all access to my own money after i reported her for not knowing how to activate an instant debit card. she retaliated against me for reporting her, and told me to call loss prevention & therefore, they told me they she told them to block my from getting my money out of the bank. me & my children have been starving and without for 2 days now because of this banks actions. i want access to my funds immediately! Also, yesterday they printed my balance & i have a paper receipt of : {$4400.00} Open XXXX ( R ) Savings Total {$4400.00} Activity Summary Current Posted Balance & today my account went down somehow by balance of : {$4300.00} ANONYMOUSLY, AND WHEN I DIALED THE XXXX THE OPERATORS WERE ASKING FOR MY ONLINE BANKING USERNAME & PASSWORD.
XXXX is not prioritizing my additional payments to pay off interest bearing loans as they had originally promised they would. In fact, the online Paypal payment system will not permit the lendee to designate where the funds should be allocated. Any payments made are allocated at Paypal 's discretion. I have interest bearing loans that should have already been paid off however Paypal has been paying off 0 % loans as well with my additional payments. I am therefore incurring interest charges on loans that should have been paid off already. Paypal has gone so far as to blatantly apply my payments to a 0 % interest loan that they claimed was already credited due to a cancelled order. On XX/XX/XXXX Paypal posted " XXXX XXXX XXXX XXXX Refund + {$1500.00} '' However as of today, XX/XX/XXXX ( 55 days after this supposed refund ) Paypal credit shows that my payments are still being actively applied to " XXXX 24 Easy Payments {$1400.00} Balance ''. 
In my last complaint XXXX refused to take responsibility for the lengthy delay and false claims regarding a prior refund of {$1200.00}. On XX/XX/XXXX Paypal posted to my account " We're processing your refund and your money will be available on XX/XX/XXXX. '' However that {$1200.00} was never actually refunded to me until XX/XX/XXXX. Paypal sent an email on XX/XX/XXXX promising the refund however those funds were only available to me on XX/XX/XXXX. And yet Paypal still shows on my account that the refund was on XX/XX/XXXX. I did not accept Paypal 's response at that time. I have included documents related to that complaint for reference. 
Fraudulent!
I. C. Systems , Inc. has place a derogatory report on my credit files without proper communication or documented proof of their claim prior to their actions as stated by law. I am currently seeking legal counsel to prove their actions are unwarranted. 

Specifically, I. C. Systems , Inc. is claiming a debt of {$340.00} to which I am pursuing information to determine the basis for their actions. A call to I. C. Systems, Inc. office number as listed on the internet received no answer. 

After reviewing my credit report I see I. C. Systems, Inc. is listed as a collection account opened on XXXX/XXXX/2016 and closed with a balance due of {$340.00} with XXXX XXXX which I have not had service with in over 7 years and I do not have any agreement or contract in writing or otherwise with I.C. Systems, Inc. for this account which is listed as past due as of XXXX 2016. A collection agency obviously can not extend credit to a consumer. 

Furthermore, the State of Georgia debt collection laws states that the statute of limitation on debt is 4 to 6 years depending on the type of debt ( Ga. Code XXXX ) from the date the last payment made. 

I have been informed that legally, creditors must inform consumers that they are pursuing collection of " legal debt '' and provide amounts and dates to prove their claim. I. C. Systems , Inc. have not had any communication with me prior to placing this debt on the XXXX credit reporting bureaus.
I XXXX XXXX was the seller of XXXX XXXX XXXX XXXX La XXXX. The house went under contract on XX/XX/XXXX and scheduled to close on XX/XX/XXXX. The buyer of the home used wells fargo as their mortgage company. On Thursday XX/XX/XXXX Wells Fargo demanded that the seller ( XXXX XXXX ) submit the fully executed closing disclosure from the original purchase of the home. I found this request to be strange and after contacting the title company they advised me that this information was personal and not required. Because the home was off the market under contract and needing to be sold the information was reluctantly provided. An email with the information was sent to XXXX XXXX XXXX on Friday XX/XX/XXXX and he was unable to receive the emailed information until MondayXX/XX/XXXX. Once the document was reviewed, XXXX requested a clean payment history from the seller 's mortgage company ( XXXX XXXX ). I found this demand to be more excessive and unreasonable then the first especially since the title company had a payoff on XX/XX/XXXX from XXXX XXXX the mortgage company of the seller identifying the amount needed to establish clear title and transfer of title. I find these actions to be discriminatory, intrusive and unprofessional. An investigation into the amount of mortgages that are closed by Wells Fargo where the closing disclosure and payment history of the seller is required should be conducted.
This is related to another complaint I filed today but I have discovered the name of the collection agency that posted inaccurate and unverified information to my credit report. The information was filed by " Diversified Adjustment Services, Inc '' on behalf of XXXX. This collection agency did not, as I requested, send me any proof that they were the holders of a debt that I owed. They showed no proof of assignment from XXXX to their agency and could not even verify the account information. I disputed the debt but instead of erasing it from my report they included false information such as " 30 days late '' which does not even exist for a collection item. The account was subsequently sold to XXXX, who I called and they deny having filed any info with the credit bureaus. The actions of Diversified/XXXX and/or XXXX have caused my XXXX credit score to plummet over XXXX points.
Equifax classified a specific dispute as " fraud '' when I specifically said " outdated '' The items still remain on my report to date even though I have disputed time and time again. I believe they are going to flag my account as frivilous when I have only followed their guidelines. Their incompetence has hurt my ability to obtain an accurate credit report.
I requested a credit report do to identity theft and they said they could not prove my identity from the address iam currently I moved in XX/XX/XXXX to XXXX XXXX XXXX XXXX va XXXX I used to live at XXXX XXXX XXXX XXXX va XXXX for about a 1y1/2 year in XX/XX/XXXX
I paid off my TCF Bank mortgage in XX/XX/XXXXand obtained a home equity line of credit from XXXX XXXX in XX/XX/XXXX. I am currently in the process of asking for an increase in my HELOC with XXXX XXXX   During the application process we had found that TCF Bank had placed a second lien on my property without my consent and I need to show my home as free and clear. Please provide me with a direction of how I can get this accomplished.
I get calls repeatedly from this phone number,  XXXX , which comes up on caller ID as " robo caller ''. No one ever leaves a message and they call repeatedly all throughout the day. When I do answer the phone, there is absolutely silence.   The last time they called me was today,  XXXX , at   XXXX   XXXX   But they have called many times before this and I just did n't document it. I had no idea whose number it was because they never leave a message and there is silence when I do actually answer.     I Googled the number and found a " complaint '' website where many people complained about this same situation. It turns out it is Chase Bank.   Some people are saying it 's a scam to get your CC number. Others are saying it really is Chase Bank. I do have a Chase CC but I am not behind in my payments at all. I just want them to stop calling but when I call that number back to try to speak to someone, it says it 's not a working number.
In XXXX of XX/XX/2014 I received an offer from the Citizen 's Bank with which we have a checking account an offer to get {$5.00} up to {$10.00} for automatic bill payments charged to the bank 's credit card and posted before XXXX XXXX, XX/XX/2014. I did so and XXXX payments for XXXX and XXXX were posted on XXXX/XXXX/XX/XX/2014 and XXXX/XXXXXX/XX/2014 respectively. Yet I did not receive the promised {$10.00} credit as promised.
I filed a request to have my credit report updated.and Experian refused to up date even after i summited my self releasing federal tax lien to them. i summited it XXXX. I XXXX XXXX and XXXX had no trouble up dating my report
My name is XXXX XXXX and my Hippa Rights and the FDCRA rights that I have have been violated. Attached you will find the letters I mailed Professional Placement regarding two hospital bills on my credit report. They in turn responded with my personal medical information that you will see attached. I have never given permission for them to have my personal medical information nor access to my social security number and my personal credit report. 

The Standards for Privacy of Individually Identifiable Health Information ( Privacy Rule ) establishes, for the first time, a set of national standards for the protection of certain health information. The U.S. Department of Health and Human Services ( HHS ) issued the Privacy Rule to implement the requirement of the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) .1 The Privacy Rule standards address the use and disclosure of individuals health informationcalled protected health information by organizations subject to the Privacy Rule called covered entities, as well as standards for individuals ' privacy rights to understand and control how their health information is used. Within HHS, the Office for Civil Rights ( OCR ) has responsibility for implementing and enforcing the Privacy Rule with respect to voluntary compliance activities and civil money penalties. 

I am intending on filing another complaint with The US Department of Health & Human Services.  I am asking you to please help me prevent them from doing this.
I have been making on time payments under the Income Driven payment plan since XXXX XXXX. I have submitted employment certification forms from each of the " qualifying '' employers, the most recent being sent XX/XX/XXXX. I contacted my loan servicer ( XXXX XXXX  ) requesting a detailed list / number of qualifying payments. Currently they have me credited with making 35 " Qualifying Payments Made ''. There  were a couple of periods when my account went into hold/forbarance when new IDR payment was being disputed/calculated. However, in general in my records I have made at least 10+ payments per year since XX/XX/XXXX. That is a considerable amount more than 35. Not sure if this is due to my loans being transferred from previous servicer to XXXX XXXX on XX/XX/XXXX.
I disputed my a credit report Collection entry by a collection agency which took me to court on a debt that they did not legally prove that they owned. A Judge in Massachusetts Ruled in my favor dismissing the lawsuit and Equifax still verified the debt and wo n't remove it.
Citibank lied to me about a promotion I called Citibank on XX/XX/XXXX morning at XXXX XXXX XXXX and they converted my Day to Day Savings Account to a Savings Plus account and assured me that I was enrolled in XXXX Promotion offer XXXX I called once more on XX/XX/XXXXto confirm and I was assured that I was enrolled On XX/XX/XXXX, I called again to confirm before transferring the money and then their story changed. They said they can not confirm if I was enrolled or not and said they will call me the next day to confirm. On next day, they called me to say that I was NOT enrolled in the above promotion. 

As you can see, they lied to me and have no clue about what they are doing. I want this to stay on their permanent record so other people can also see and learn about their dishonest and corrupt practices
Nationstar is reporting and collecting to collect wrong amounts on Loan XXXX that was loan XXXX transferred from XXXX XXXX XXXX for servicing. 

The loan amount that was due at transfer was XXXX. 

Nationstar needs to delete the credit line from my credit report because there should be no collection activity on a loan that was closed on XX/XX/XXXX be the predecessor, XXXX XXXX XXXX, and reflects a zero balance. 

I 've attached the most recent update from XXXX XXXX XXXX referencing loan number on XXXX XXXX, 2016. The XXXX updates the aforementioned loan 's status. 

Nationstar need to correct the XXXX, XXXX, and XXXX report to reflect the same data as their predecessor, XXXX XXXX XXXX. 

There has been no activity on the account since the transfer to Nationstar ( ie no payments or payment agreements ). 

I am communicating via the CFPB because Nationstar 's collection Law firm ( XXXX XXXX XXXX ) will not return my calls. Therefore, communicating via the CFPB seems to be the most effective.
Well I 'll start at the begining as this might effect others as well. I had a account with Bank of America, my pay was automatically depositited into my checking account, I had automatic transfers set up to take money from my checking to my savings each month, I also had over draft protection set up that would charge any over draft to my credit card. 

I had issues with Bank of America processing things in a manner that would over draft my account and other issues with their customer service I ca n't recall specifically it was so long ago end result was I switched to XXXX. Each month the automatic transfer to my savings account would occure, trigger my over draft protection and charge money to my credit card. I canceled this automatic transfer, I even called and spoke to the bank and they told me we do n't see any scheduled transfers, still every month this would happen. 

I was trying to pay off the card to close the accounts ; because the overdraft protection was done as a cash advance it was slowly turning my balance into a higher % as cash advanced were paid off last after regular credit. As i said i complained, was told there were no automatic transactions but this continued to happen until I eventually called them from XXXX, paid off the remaining balance and closed my credit card, checking and savings accounts. End of story right? 

Not so much, Bank of America re-opened my account because they " forgot '' to charge me interest when I closed it over the phone, because I was XXXX to XXXX I did not find out about this until I returned home and had a collections notice in the mail, no other attempt to call or notify me had been made ; the account had gone 90+ days past due. 

I 'm not sure what the rules are but if there was interest that needed to be calculated it should have been done over the phone when I closed the account, not done behind my back afterwards ; I think this was done on purpose by the bank to get back at me for leaving.
Commonwealth, XXXX XXXX XXXX XXXX   XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00}.

I have no knowledge or proof stating that I'm the owner for these debt collection payments but they are showing up on my credit report.
I inherited a home from my grandmother after her death on XXXX XXXX, XXXX. She had taken out a reverse mortgage on the home before she passed, but when I notified the company about her passing they told me that I needed to submit paperwork to them. I immediately started the process of giving them whatever they needed from me and then they informed me that I to file the paperwork in court. I did so, and sent them all of the necessary documents at least four times, along with the notice of intent that was mailed to me ; stating that we intended to refinance the home. They never sent us back any correspondence, not even a pay-off request letter but started foreclosure proceeding in XXXX XXXX. I was told this from the law firm that they hired to do the auction sale. I received notice of this on XXXX XXXX, XXXX via certified mail from their attorney stating that the home was going up for auction on XXXX, XXXX at XXXX. That stated that they never received any paperwork from me, but I said that this is not true because if you never received anything from me, then how is it that the attorney that you hired to handle the proceedings knew that I was the executor of my grandmother 's estate? They could not answer this question. Then they went on to say that they could n't speak to me because I 'm not authorized on the account. Lastly, as of XXXX XXXX, XXXX I spoke to XXXX at Reverse Mortgage Solutions, and she said that they received some of the paperwork from me but not all of it. I told her that this is far from the truth and that I had just sent everything over again 3 times. XXXX copy certified, XXXX copy faxed, and the last copy regular mail. She then notified me that they would need a request pay-off letter from me, and a letter of intent, along with a request to stop the sale. I have again complied with everything that they have asked of me, but at this time I feel that they have failed to do what they needed to do to ensure that my grandmother 's home is saved. Can you please help me?
A collection account that was place on my credit report by XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX Account # XXXX. This is Identity theft is a fraud account, TransUnion let this company put a fraud account on my credit report with proper documents to prove this my account and second this collection company has never mail me anything regarding a collection account and as well as the original creditor.
File Chapter XXXX, Total Visa was included in BK discharged still reporting 2 acts on CB. Submitted several disputes to all CB. No resolve.
I have unauthorized inquiries on my report that TransUnion failed to remove after dispute sent on XX/XX/XXXX	These were not authorized inquiries XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX/XXXX XXXX XXXXXX/XX/XXXX
Equifax deleted XXXX AdJ which is a collection account on XXXX XXXX, XXXX but they reinserted the collection account back on my credit report on XXXX/XXXX/XXXX without giving me a 5 day notice of placing the collection back on my credit report. This is a violation of the FCRA and I would like the collection to be removed permanently!