WillisBack/dataset-financial-user-claim huggingface dataset:
I was using my credit card at a store and a purchase was declined, I called my bank and they said I had a hold on my account. After further research and obtaining my credit report, I noticed a bankruptcy on my report that I have no knowledge of whatsoever. I went to file a police report for the fraud that happened and sent everything to the credit bureaus. I sent documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. My identity was stolen and I gave the credit reporting agencies all related information. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently.
I have been sued by Portfolio Recovery Associates. this took place during a time when I was under great duress from caring for XXXX XXXX parents. I did not have the time or the resources to question/fight the suit. I have been reading about the current ruling against PRA and XXXX XXXX regarding their business practices and robosigning of law suits and believe I am XXXX of their victims. PRA would call many many times a day and never ever leave a message. the next thing I knew here comes the lawsuit. I believe that the documentation presented to the court was robo-signed and just defaulted to me because I was afraid of being sued so I agreed to a payment plan with strong urging from the " Legal Dept '' at PRA I have attached all documents pertaining to this suit as well as a current letter received from PRA advising me I can ask for copies of documentation ( which I will ) but it 's making me think that this is not a properly documented judgement
XXXX is charging a bill that I never owed. I never opened an acct with them. It 's foe {$79.00}, and XXXX has already removed it, however XXXX has n't.
The referenced accounts have been reporting on my consumer credit file in error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Property tax is not being paid out of escrow account. More then enough funds are available in the account. 
several phone calls have been made as well as 6 or 7 emails sent to customer service with no response.
Experian reported on XX/XX/2018, XXXX XXXX XXXX which is violation of FCRA Section 623 ( a ) ( 1 ) ( C )  per the FTC website. Experian has removed the account from my account already and this account should not be there they have reinserted an already removed account which is a violation punishable under FCRA laws.
On 2 different occassions in XX/XX/XXXX and XX/XX/XXXX we were told by Citimortgage that we could defer our payments, but we werent told that the interest would add up and come due immediately at the end of the deferment period. This added to our loan and violated deceptive lending laws. Following the deferment period we were pushed into a partial claim agreement in XX/XX/XXXX. We were already struggling with our mortgage payments and trying to save our home and were given the runaround. We were kept in the dark about our options and burdened with excessive paperwork. In the end we were slapped with sub ordinate notes requiring us to pay {$32000.00} which was 3 to 4 times the amount we were behind on payments. 

CitiMortgage misled me and did not notify me following the settlement with the Consumer Financial Protection Bureau in XXXX.
LYING TO CONSUMER FORECLOSING WITHOUT NOTIFICATION I WAS TOLD NO FORECLOSURE WAS OCCURRING AS NATIONSTAR WAS INVESTIGATING A FRAUDUKENT LOAN THAT HAD FALSE LOAN APPLICATIION, FALSE ESCROW DISCLOSURE, FALSE LOAN PORIGINATION PACKET AND ESCROW EMBEZZLEMENT WHEN THEY DECIDED TO PRETEND LOAN FRAUD WAS NOT ILLEGAL ... AT THE GUIDANCE OF XXXX XXXX / XXXX XXXX ..THEY ILLEGALLY FORECLOSED ON OUR HOME. WHEN WE GOT THAT REVERSED ... THEY KEPT THE FPOORECLOSURE ATTORNEY FEES ON OUR ACCOUNT AND HAVE REPEATED STOLEN PRONCIPAL WITHOUT CREDIT. COPY OF EMAIL FROM XXXX ... ADMITTING THEY FORECLOSED BEHIND OUR BACKS. 
IN ADDITION ... THEY WERE NOT MAILING MONTHLY STATEMENTS DURING THIS ATTEMPTED HOME THEFT. 

******COPY OF EMAIL # 1***** XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX XXXX, 2016 at XXXX XXXX IN WRITING YOU STATED " ALL FORECLOSURE EFFORTS WOULD BE STOPPED '' AS THE INVESTIGATION CONTINUED. 

TODAY I AM ON THE PHONE AND THEY CAN'T TAKE THE PAYMENT ... BECAUSE IT IS AN ACTIVE FORECLOSURE!!! 

25 MINUTES LATER ... STILL TRYING TO PAY ... NO CUSTOMER SERVICE XXXX XXXX *****COPY OF EMAIL # 2***** XXXX XXXX XXXX To XXXX XXXX Cc : XXXX XXXX XXXX, 2016 at XXXX XXXX There is a foreclosure Code on the account. But the Foreclosure is actually on a hold status. 

XXXX XXXX Customer Relations Manager Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX O : ( XXXX ) XXXX XXXX
I never received notices or phone calls that I owed them money. They said that they called and sent letters but I never received anything. The fees and charges that they sent me seem excessive and abusive. The only reason I realized they had debt against me was because I saw it on my credit report that I looked up on XXXX XXXX
Hope this complaint gets thru 3rd time writing it disappears after add attachments.
On XXXX XXXX 2017 get XXXX 2017 statement from ubs bank usa credit card.I notice there are {$1400.00} in charges did not make.I call the fraud dept. at ubs and sign declaration of fraudulent activity.Talk to XXXX in fraud dept ( manager ) She tells me {$1400.00} in charges will be reimbursed.
In XX/XX/XXXX get statement and I see {$400.00} in fraudulent charges have not been removed and date has now been chaned toXX/XX/XXXX .Did not make these charges and {$400.00} has been stolen from me by ubs.
See attached documentation. Requesting modification based on lack of significant change in principal balance following 7 years of positive payment history.
Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
I am file a complaint against Experian credit report. Because I have submit multiple disputes with this company XXXX for reporting on my credit report. Experian did not do the proper investigation. When I called to what information they had gather to verify the error. I was told by the Experian rep that XXXX stated it was reporting correct. I asked where is the proof and none was giving to me. I did not have XXXX XXXX account. I file a complaint with fcc and XXXX on this XXXX XXXX matter and submit this Experian and they where no help on this issue. I am able provider my supporting document but but Experian and XXXX wont provide me the supporting showing that this is a valid account. I am looking for this to be investigate the right way and remove from my credit file
I spoke to Gatewayone lending on XXXX to remove the recurring payment from my loan since I had setup billpay with my bank. Gatewayone lending assured me several times on the phone I was not automatic payment from my checking. I mentioned the website said the word " recurring '', the person on the phone said that they do not even have my checking account information on file. 

On XXXX I noticed that my checking account was lower then usual. So I did some digging and found out that on XXXX and XXXX Gatewayone had stolen amounts equal to my auto loan payment from my checking account. I called Gatewayone lending and asked about my recurring payment, they told me again I do not have XXXX and that they see in their system that I called in XX/XX/XXXX. Their system had notes about me wanting to cancel my recurring payment, and their notes said I did not have recurring payment setup. I informed the agent on the phone that I would like to know why my checking account shows they have been taking money from me then. They put me on a hold and came back saying they were sorry and would like proof they took my money. I told them I want the money back in my account in the same time frame it took them to steal it from me ( payment was due on the XXXX, they had the money out of my account by the XXXX, so XXXX days ). They told me that was not possible and that they require I provide a copy of my bank statement to prove they stole from me ( even though the person on the phone admitted that they see the amounts posted on my loan ). I informed the representive that I have been recording them ( they have an automatic message that says I may be recorded, so turn about is fair play ), they were fine with the recording. 

I contacted my bank to put a stop payment on all the fraud done by Gatewayone lending.
I saw my account with XXXX XXXX reporting something which perked my interst since it seemed incorrect. I went ahead and mailed them on several occasions requesting documents to show what they are reporting are accurate like the date this account was opened, the last payment on this account etc. They failed to respond even once.
I have been told by multiple representatives of Drivetime that I would be granted a modification to my account and I had to fax in the receipts and documents of my out of pocket expenses. After I faxed in the documents I still had not received any notification that the documents were received or any updates on my modification request. Through a XXXX complaint a Drivetime representative named XXXX told me that in order for a modification to be granted that XXXX things must be involved a ) There must be an out of pocket expense b ) You must be out of hardship and c ) the account must be sixty days past due. When I spoke to Customer Service I was told an exception could be made for my account and that the account does not have to be 60 days past due. I faxed in the receipts of my out of pocket expenses and proof that I am out of my hardship and they still have not granted the modification but continue to call and contact me only for collection purposes only, and has yet to give me an update on my modification request, even after numerous conversations of how and when this modification will be applied to my account. Drivetime has demonstrated unethical business practices and I do not know why the representatives continue to give me misleading information and information that is not truthful. I have been repeatedly told incorrect information and I would just like to know the information involving my loan and what is going on with my account. I would like someone to encourage the representatives of Drivetime to explain the truth about my account and to please stop telling me that a modification will be granted when Drivetime has absolutely no intention of ever granting me a modification, demonstrated when I called yesterday and I spoke to a manager named XXXX that told me that the faxed documents had not been uploaded to my account an that the receipts of my out of pocket expenses had to be for major repairs like to replace an engine! I have never been told my out of pocket expenses had to be a major repair like replacing an engine because my vehicle is supposed to be covered for major repairs, I was told by a supervisor something completely different, I was told I just had to have out of pocket expenses for repairs that were mechanical in nature, and I have a response directly from Drivetime submitted to the Better Business Bureau that describes exactly that same information. Also, when I called and tried to set up a payment arrangement XX/XX/XXXX, Drivetime would not make an arrangement for payment, but instead Drivetime sent me an acceleration notice in the mail two weeks later stating that the entire amount of my loan was going to be accelerated, although my account was not yet 30 days past due, and Drivetime refused to make a payment arrangement before the payment due date, because I knew before the due date I was going to have to make other arrangements with Drivetime, which Drivetime refused.
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX.
They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.
JC Penny has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I obtained my XXXX credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...
I have contacted Transunion on several occasions asking for them to validate that XXXX debts are LEGALLY entered on my credit report. I have personally contacted these XXXX companies and asked them to present me with a contract that states that I owe them money or that I am legally obligated to pay them. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have been able to produce no such agreement. They are illegally listing entries on my credit reports. Transunion is complicit in allowing this. Each time I ask Transunion to validate these debts they simply come back as " verified ''. I am not sure how this is as I have contacted these companies personally on multiple occasions asking for proof that I have an agreement to pay them and they have not been able to offer it. What is the method being used to " verify ''? 

These companies are : 1 ) XXXX XXXX - provided a contract from a third party that I could not verify, however there is no agreement between myself and XXXX XXXX. I do not owe them any monies. 
2 ) XXXX XXXX 3 ) XXXX XXXX Bank It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violations of the FCRA and defamation of character. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
With date XX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX in store # XXXX of the West of XXXX ( see Receipt # 1 ) On XX/XX/XXXX, I went in store # XXXX of XXXX to transfer the Cell number XXXX and XXXX for XXXX XXXX XXXX , explaining to Sale Rep. that the line XXXX was not going away to use any more. 

The day XX/XX/XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XX/XX/XXXX making a payment of {$100.00} for this line that did not it had not been used or had charged minutes ( See Receipt # 3 ). Again I told the XXXX Representative that that line was not in use, he replied that I need to call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX canceling the completed cell ending XXXX. 

After having made all the payments explained, I am notified by XXXX Credit Alert that I had reports on my credit for delinquint. ( Potentially negative information has been posted to your Credit Report ) .I suppose this was the reason for the denial of credits to which it applies. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, by those Agencies : A.- XXXX XXXX XXXX B.- RECEIVABLES PERFORMANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX, WA XXXX PH : XXXX PH : XXXX and the last report was on XX/XX/XXXX. 

I was several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior in the 33 years I have been living in the country, with a good credit record that they are affecting. 

For this reason I demand that my credit be repaired by XXXX and those agencies and leave this abuse of harassment. 

Thank you Note : Attached a 3 XXXX  receipt cc.
I went on Wells Fargo 's website on XX/XX/XXXX and paid my student loan. I received a credit monitoring alert saying my payment was 30 days late and my credit report was lowered by nearly 60 points. I called Wells Fargo to see what was going on, they opened an investigation. They called back saying they had no record of the login or payment. I paid last month 's bill and this month 's as soon as I saw what had happened. I asked them as a courtesy to forgive this late payment as I have always paid my bills and I am in the process of getting a home loan and I don't want their error to impact that, they said there was nothing they could do and they see it as my error. I never received a phone call, email or letter informing me that the payment was late so I had no concern that the payment was made. 
I have had this loan through them for almost 8 years and I find it ridiculous that given my situation with the home loan and the fact it was their system error that they would not help me out and rescind the negative mark.
I received a fraudulent check from a scammer for a bogus job. I deposited the check into my  Wells Fargo bank checking account, The next day, I called the bank,  check my account and asked the banker if the funds were clear and available. I was told yes " the funds are clear and it is available ''. I withdrew  XXXX  out of my account and deposited it into the scammers  XXXX   XXXX   XXXX  account at   XXXX    XXXX   XXXX .  Two days later I received an email from Wells Fargo bank stating that the check was fraudulent. Wells Fargo with drew  XXXX  +  XXXX  dollars out of my account, which emptied my account.
This debt is repeatedly forwarded to me for payment. It is NOT mine. It clearly belongs to another consumer who has obviously made payments on the original amount of {$440.00}, down to {$250.00}. I have repeatedly asked that they inquire about who has made the previous payment on the debt. This will validate the that the owner is not me. I have had no interaction with this facility since 1991.
We had a principal balance of {$18000.00}. We paid nearly {$25000.00} over 4 years. Despite paying principal and interest, our 2008 XXXX XXXX vehicle was still reposessed. We are out of {$25000.00} and a vehicle. To make matters worse, Santander auctioned the vehicle for {$4000.00} and is now asking us for an additional {$11000.00}. Santander has been paid nearly $ XXXX on an $ XXXX loan, and still wants $ XXXX. This is predatory. If it is not criminal, it should be.
I attempt to get free annual credit report and unable to get it online. I called XXXX and number provided on website the department is closed when hours are XXXX - XXXX EST. I always have a problem trying to get my free credit report. I need help.
Equifax is still reporting an item as belonging to me despite several disputes. I have received letters from the company holding the debt ( XXXX XXXX ) stating that this particular item does NOT belong to me but still Equifax wo n't remove it. They are the only credit company still reporting it on my credit. I 've tried calling, disputing, filing a complaint and after 6 months, it 's still there. Feeling very frustrated with this process and lack of communication on Equifax part. If they would pick up the phone and call XXXX XXXX, this could have been solved months ago.I am appalled at the process to remove an incorrect item. Most people would have given up or spent thousands of dollars using an agency to remove something like this. It should n't be that difficult. I HAVE PROOF from XXXX XXXX that the item is NOT mine. Ridiculous that Equifax ca n't obtain the same information and get this removed.
Hi, TD BANK fraudulently overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. First, they tape recorded my conversations with them without informing me of that in the beginning of conversation which is against the law. Second, They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions for 5 days to the Monday night processing so that my account would incur NSF fees totaling {$200.00} which far exceed the amount of the total of my transactions which totaled {$40.00}. This is excessive behavior and abuse of power. I never filled out any paperwork for approval for overdraft fee payment or overdraft protection when I opened the account. They are trying to penalize me and charge me for overdraft protection that I never requested to begin with nor filled out an application stating that. To prove it, they could not find any application for overdraft protection or approval of overdraft payment application in my record when I opened the account. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees of low income customers - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if their Executive department found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$600.00} due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission.
In XXXX I purchased a {$500.00} prepaid card at XXXX. Upon trying to use the card, it did not work. When I called the issuing company, it turns out that the card were used at stores and cities I have never been to. I filed a complaint with the company on XXXX XXXX and sent in the dispute paperwork on XXXX XXXX. Since then the company has refused to give me any update on the statuses of the card and they insist that they have up to 90 days to investigate the matter and return the funds to my card.