WillisBack/dataset-financial-user-claim huggingface dataset:
MGR.XXXX XXXX YELLED, CUSSED, AND THREATENED ME! HE SAID I WAS A FRAUD AND IS GOING TO PUT A XXXX COLLECTION ON MY CREDIT AN ACCOUNT WHICH ISN'T MINE! I RECEIVED A PHONE CALL XX/XX/2018 AT XXXX XXXX FROM A LADY AND SHE STATED SHE WAS CALL TO COLLECT A DEBT. SHE VERIFIED MY DADS ADDRESS AND THE LAST 4 OF MY SOCIAL. I INFORMED HER THAT ISN'T MY ACCOUNT I DID NOT AUTHORIZE THAT ACCOUNT AND YOU CAN NOT PUT THAT IN COLLECTIONS ON MY NAME BECAUSE I'M BUYING A HOUSE AND THAT WOULD MESS UP MY APPROVAL! SHE HUNG UP ON ME! I HAVE TO PROTECT MY CREDIT SO I CALLED BACK TO TALK TO A MANAGER. I WAS TRANSFERRED TO MGR.XXXX XXXX HE CAME OFF VERY MEAN ASKING QUESTIONS AND THEN STARTED ACCUSING ME OF KNOWING THIS IS YOUR ACCOUNT AND YOU AND YOUR DAD ARE FRAUDS! HE THEN STARTED YELLED, CUSSED, AND THREATENED ME! HE SAID I WAS A FRAUD AND IS GOING TO MAKE SURE TO PUT THIS ACCOUNT WHICH ISN'T MINE IN COLLECTIONS ON MY CREDIT! I TOLD HIM I NEED TO SPEAK TO HIS BOSS HE SAID NO I AM THE BOSS AND IF YOU CALL BACK IT WILL ONLY GO TO HIM! I ASKED LIKE 7 TIMES TO TALK TO HIS BOSS HE CONTINUED TO YELL AND SAID YOU ARE TALKING TO THE MANAGER AND I NEED TO STOP SCAMMING THEM AND PAY MY BILLS. I TRIED TO TALK TO HIM BUT HE KEPT YELLING SO I SAID I WOULD REPORT HIM HE SAID NO YOUR NOT YOU GO AHEAD AND REPORT ME YOU JUST NEED TO PAY YOUR BILLS I TOLD HIM I'M NOT GETTING ANYWHERE WITH HIM SO THAT'S WHAT I'M DOING FILING A REPORT WITH YOU THE AG 'S OFFICE ETC ...
XXXX XXXX has been inaccurately reporting my automobile account for several months now. The account is in collections/charge off and being reported as a repossession. The vehicle was never repossession even though payments stopped in XXXX of XXXX. The company informed me that They " pass, '' on the vehicle as of XX/XX/XXXX, which basically means that they won't be picking it up and don't want it back. Since XXXX of XXXX XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. It has recently been reported as closed in XXXX and then closed again in XXXX. Transunion and XXXX are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. Transunion and XXXX continue to ignore these inaccuracies even though they continue to see and report these fluctuations in my balance and account closed dates that change almost monthly regardless of the many disputes I have submitted as well as disputes by XXXX XXXX whom I have contracted with to assist me to do the job of the credit bureaus. I would like this account removed immediately from my credit file as it should have been months ago. I do not feel that Credit Acceptance is capable of discontinuing inaccurate reporting as there have been over 1,000, 000 complaints of the same nature filed against them with the XXXX and the CFPB. If this file is not removed in a quickly and timely manner, in hopes to reverse the damage done to my credit file and financial well being, I will being a lawsuit against Transunion, XXXX, and XXXX XXXX.
good evening. at this time i have a strong offer on the property. right now i have an offer of $ XXXX, and the lender came back with the offer did not meet investor requirements. I have asked the lender what does that mean, and i have yet to receive answer. I feel as if the lender did not pay the attention to my offer that it deserves and i want them to go back and look at the offer on a more serious note. 
I am trying my hardest to get the property sold and the lender is thwarting my efforts at every turn. If this is giving me a foreclosure alternative then i am truly disappointed. I only want to try to take care of my responsibility since i failed at the first time. I want to sell the property and i need my investors assistance to sell it.
Deville asset management company is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of North Carolina to collect a debt. I 've tried to contact this company with no response. I would like this company removed from my credit report.
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. And with another note the Telephone number and address of the account is incorrect those not exist there none information at all from this corporation.
On   XXXX   XXXX   XXXX    , I contacted in writing a collection agency called  American Accounts Advisors , Inc.  a Minnesota-based Company disputing an alleged debt owed that I noticed being reported to the credit bureaus that originated by a  XXXX   XXXX  named  XXXX   XXXX   XXXX   XXXX  (  XXXX  ), which I never heard of. I requested in my letter to American Accounts Advisors for multiple information to validate their alleged claim of me owing money to EPPA with no response. My letter to the collection agency is attached to this complaint. American Accounts Advisors are reporting to the credit bureaus ( 4 ) different dollar amounts allegedly owed to EPPA, so I contacted EPPA requesting validation of any debt owed to them and they informed me that they have no records as the account was charged off. I looked up American Accounts  Advisors, Inc.  with the  XXXX   XXXX   XXXX  and they have several derogatory complaints about their practices.
I received a flyer in the mail stating that Ocwen was part of a {$2.00} XXXX settlement. I have a mortgage with Ocwen on my secondary lake home at XXXX XXXX in Oklahoma. I contacted the XXXX number as was told since XXXX owned my asset and that they were exempted from the standard Mortgage banking rules, that I had to default on our monthly payment to be recognized for the reduced rate. I do not believe this is true. Please confirm.
I responded to an email from Wells Fargo to refinance my home mortgage. The email stated how easy it would be since I was already a Wells Fargo customer. Wells Fargo purchased my mortgage last XXXX. I spoke with a mortgage specialist. He obtained my credit report. After going over my credit report he said there looked to be no problems, that we needed to proceed, and we should close in approximately XXXX days. He said we needed to order an appraisal of the house and said there would be a {$500.00} fee for that and I needed to pay it immediately. I paid the {$500.00} ; the appraisal was performed by a Wells Fargo employee. Then I heard nothing. The mortgage specialist then said the underwriter was looking at a short sale I was involved with in 2011 when I sold my home in XXXX, Michigan. He said the underwriter wanted proof the house was sold. I submitted the requested documents. Again a period of silence, I inquired about the status of the loan and was told Wells Fargo was rejecting the loan application since XXXX years had not passed since the short sale. The XXXX year anniversary will be XXXX XXXX. However, Wells Fargo purchased my mortgage last year when I was only XXXX years removed from the short sale. I fail to understand how I was a good credit risk a year ago, but I am unqualified now. I have never been late or missed a payment ; my income-to-debt ratio is the lowest it has ever been ; the loan-to-value is 52.32 %. Wells Fargo faced very little risk if they made this loan. 
My grievance is that the mortgage specialist had my credit report. The credit report shows the negative short sale of 2011. He stated that everything looked good and we needed to proceed. If there was a question of my creditworthiness there was no need to rush ahead with ordering the appraisal. My creditworthiness should have been ascertained prior to ordering the appraisal. It was nothing short of a money grab by Wells Fargo.
In XX/XX/XXXX, I began reviewing my credit report and have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. I sent a second round about a month later, again some items were addressed and some were not. I sent the attached letter directly to a company by the name of XXXX XXXX XXXX. I believe in response to this letter - XXXX XXXX XXXX sent me the attached letter deleting my file and to my understanding deleting this from my credit report. Now, I have received this letter from Central Credit Services. Referencing that they have been asked by XXXX XXXX XXXX to investigate a debt - and WITHOUT PROVIDING ME EVIDENCE THAT THIS IS MINE are attempting to coordinate a payment plan. I have several account numbers that I 'm looking at and everything is getting confusing. NEITHER creditor is validating that these items are mine. The dates do n't make sense. The locations do n't make sense. I have always had health insurance. I have NO IDEA what this is and quite frankly i am sick and tired of asking. It appears as though this account is being bounced around from creditor to creditor. Regardless- i need clarification on ANY & ALL ACCOUNTS that either one of these creditors " say '' belong to me. I am asking for proof as constituted by the law ... which means something bearing my signature, or a contract in my name. This is a waste of my time, energy and money.
Ditech made several mistakes on my account in the month of XXXX, including extorting an extra payment because they were refusing to cash a check. As soon as they received the extra payment, they cashed the check, essentially getting a double payment. They credited the XXXX payment towards principle. I can not afford to make principle payments at this time, so I asked for a refund of the principle payment. I was told by customer service that it would be done and it still has n't.
I am constantly receiving communication from Ability Recovery regarding an account through XXXX that should not be reporting to my account. Ability reports that I owe from them returning funds however there is no contract from the beginning stating that I have a contract through this company. I applied for financial aid and this was covered. As reported in a previous report I was given more than what I needed. I never signed a agreement with this school so in no way should this agency continue to report to credit bureaus. I have attempt on many occasions for this agency to provide validation regarding this However this has not occurred yet. I recently completed another complaint and Ablility failed to provided the information request by running numbers. In the complaint it was even mention about emails and that they would be attached but this did not occur. This agency has fail to validate and this is against the FCRA. Ability Recovery is currently reporting as a UNSECURED LOAN to the credit bureaus. Again no contract, signature has been provided to confirm this information. AGAIN this is a violation of the FCRA. I have proof from my student loan agency confirming that the funds were not return on behalf of XXXX so referring this account to a collection agency as Ability is a violation. My previous complaint with the agency is XXXX. Again as mention in the previous compliant based on the statute of limitation in SC this company is legally not able to continue to contact me after three year. The limitation has been reach even though none of the reporting debt has ben verified or validated as mines. I am currently working with an attorney working to get this case in court based on the many violation this agency has committed. This will be my last and final attempt to give this agency a chance to removed and delete from all credit bureaus before finalizing legal actions. The proof I currently have confirming the funds that Ability Recovery states in complaint XXXX were return were NOT return and are included in my legal action. I will not stop until this matter is handled. This is the last of many attempts for this agency to validate the debt or delete all accounts from all credit bureaus. At this time I will attach proof of this account being falsely reported as a unsecured loan to the credit bureaus.
On XXXX/XXXX/15, I received multiple call from a XXXX XXXX representing Evan and Associates telephone numbers XXXX and XXXX. XXXX XXXX requested that I verify the last XXXX digits of my social and dated of birth. Due to the increase in fraud, I requested the full name of the company and the address. She provided the name Evan and Associates but refused on multiple occasions to provide and address and corporate number in order verify it was a true company. She stated that the call was being recorded on a federally recorded line and that she would notate my refusal to pay. I advised her I was not refusing anything ; I wanted verification of the companies ' existence. 

On XXXX/XXXX/15, I received a second call from XXXX XXXX who informed me that this was my last opportunity to resolve the matter before I would be subpoenaed at my place of employment. She again refused to verify any of the company information and I refused to verify if the information she had was mine. She then stated I would be served at work, to make sure I had XXXX forms of ID and a witness for my signature. 

Within XXXX minute my brother contacted me and stated that an Investigator named XXXX XXXX contacted him and that they were attempting to contact me for committing fraud. I contacted the number at XXXX and was transferred to a Fraud division, and spoke to XXXX. She again advised that this was my last opportunity to resolve the matter or I would be served and she can only place a temporary stop order for XXXX hour. 

Again, I asked for the full company name and address ; she advised it was Evans and Associates at XXXX XXXX XXXX, FL but would not repeat the Suite number. She was very rude and spoke quickly. 

During my conversation with XXXX, she kept making contact with a man named XXXX, stating he can proceed with serving me at work, gave him my full name and additional personal information. She then stated the documents were filed with the XXXX XXXX XXXX XXXX. That my license was suspended for fraud and that charges were being brought against me. She provided my tag number and me with the type of vehicle I drove and stated that it would be all suspended and I would be driving with a suspended license and vehicle tag.
I have tried repeatedly to contact trans world systems on XXXX to figure out why a medical debt for {$51.00} is showing on my credit report and I follow the prompts ( 1 for english and so on ). It asks me to enter my ss # and then I 'll be transferred to an agent. Each time I do and then the line just hangs up!
What is the complaint about? 
Ageism and the violation of rights afforded by the unauthorized use of a credit card clause.

Type of problem Denial of my claim of unauthorized use of my credit card and the financial institution 's refusal to investigate my allegations or listen to my supporting evidence based on their premise that the disputed charges were a chip swipe ( see attached letter from Citi ).

What happened?

When I received my Citi AAdvantage credit card statement for XXXX I noticed a charge for {$1800.00} that I did not make nor authorize. Subsequently, in my XXXX statement a similar-appearing transaction in the amount of {$1500.00} appeared ( see attached statements ). I contacted Citi 's Fraud Department and advised that these charges were not incurred by me. They said they would investigate the charges which I later found out, no thanks to Citi, were XXXX charges swiped on a smart phone to a business in XXXX XXXX that doesn't exist. A couple of days later they informed me they would not reverse the disputed items because their chips could not be counterfeited. Perplexed, I took a closer look at the transaction and realized that I was at XXXX XXXX on both occasions. I have attached a copy of my swipe-in log for the month of XXXX showing that I checked in minutes before the transaction occurred ( see attached document ). On XXXX I swiped my membership card at XXXX ; the transaction time for an exact amount of {$1800.00} was XXXX ( see attached " XXXX '' receipt ). On the XXXX I checked in at XXXX, the transaction again for an exact amount of {$1500.00} was XXXX ( CT has a state sales tax of 6.35 % ). I informed Citi about these circumstances and they ignored my phone call and sent the above-referenced letter. Either my chip was counterfeited or someone broke into my locker, swiped my card on a smart phone and replaced it. My locker was secured with a 3-dial combination TSA lock which can be opened with a TSA key ( see attached picture ). I have never had a XXXX chip charge on this card. I have never filed a fraud claim. I have spent over {$50000.00} on this card in the last two years and have always paid in full when my statements arrive. Plus there is no such business as XXXX  XXXX in CT. I have reported this incident to the XXXX XXXX Police Department and they are investigating it as criminal case ( case # XXXX ). 

The company is Citi, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

The people involved are the Fraud Department under XXXX XXXX. They provided no signature for the receipts ; they did not tell me they were XXXX charges, I had to research that myself ; they would not release any information and refused to return my call and the XXXX XXXX Police Department 's investigation officer 's call. 

I feel they neglected feedback because I am XXXX and they thought I would not fight back.
I am a victim of identity fraud, as a result, fraudulent charges were included on my credit file. I sent this company my dispute with a clear explanation and evidence in as far as my identity fraud is concerned. I even attached to it my Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act for reference.

To my surprise, until now this company is still reporting this fraudulent accounts As I write this letter, this fraudulent account continues to damage my credit file and Equifax doesn't seem to have done anything from the XX/XX/XXXX when my first correspondence was sent and received by them. For yet another time, this account is fraudulent : XXXX XXXX XXXX, Account Number : XXXX Opened XX/XX/XXXX, Credit limit {$4000.00} This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of my identity fraud letter and a copy of my small claims form which am ready to file if they continued their negligence and none compliance. 

This is a written proof of my intent to find a resolution in this case failure to which I will file a lawsuit.
1. Wells Fargo admitted they tried to steal my home. Wells Fargo admitted they illegally processed data for my Mortgage loan on Page 2 of the letter they wrote XX/XX/XXXX in response to CFPB complaint ( XXXX ). I would like the Consumer Financial  Protection Bureau to investigate the crimes admitted to by Wells Fargo. Wells Fargo has failed to provide evidence that the current Balance is correct they have continued charging on my Mortgage loan ( after their Fake Foreclosure Attempt ). Please investigate improper handling of my Mortgage loan status and gross errors in financial accounting by Wells Fargo. I am an elderly man that has been the victim of Elder Abuse by Wells Fargo bank representatives. 

2. In response to CFPB complaint ( XXXX ) on XX/XX/XXXX, Wells Fargo lied and completely fabricated the information they provided to the Consumer Financial Protection Bureau. I, XXXX XXXX, never spoke with them on XX/XX/XXXX regarding my Escrow balance. I, XXXX XXXX, NEVER Signed the Hold Harmless Agreement Wells Fargo Bank falsely presented to the CFPB nor did anyone acting on my behalf. A Wells Fargo Bank employee forged my signature like they have done so many times before in well documented cases with other consumers. 

3. I have included a copy of their fake Hold Harmless Agreement Signature next to my own. Anyone can clearly see the Wells Fargo Hold Harmless Agreement DOES NOT CONTAIN MY TRUE SIGNATURE AND WAS FORGED BY WELLS FARGO. 

4. Please let the record show that I will sue Wells Fargo and hold them completely responsible for elder abuse, fraudulent accounting, RESPA violations, theft, and forgery. 

Copies of the Letters and Evidence that My Signature was forged is attached. 

Sincerely, XXXX XXXX
I applied for an XXXX XXXX credit card around XXXX. They sent me the card with a low limit because Experian said my credit score was XXXX XXXX XXXX has my score at XXXX ( EXCELLENT ). The paper work that XXXX XXXX sent me with the credit card said I could get a complete credit report from Experian without charge for 60 days after this date. I called the toll free # for Experian & went to their website. Each time they wanted a credit card number. This is not free. I contacted XXXX XXXX & they gave me their website which was supposed to have the credit report. NO RESULTS! 
What is the problem?? 

XXXX XXXX XXXX
Recently, I have been receiving information from my financial accounts - banks and credit card companies - that there have been several new delinquencies reported on my credit report that could possibly be frauds. Also, just recently, I have been receiving letters from Portfolio Recovery Associates , LLC. and other recovery companies about delinquent accounts. 

These delinquent accounts are not mine. I have several credit accounts and they are all paid on time. My credit score has fallen dramatically because of these erroneous reports. 

What recourse do I have to resolve this matter?
Upon reviewing my Equifax credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XX/XX/1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Hi, This debt is over 15 years old and they keep selling the debt to other companies and those companies are re-packaging the debt and they are reporting it negatively every month to the credit bureaus.