WillisBack/dataset-financial-user-claim huggingface dataset:
I have received repeated phone calls from  Nationwide Debt. My mother was called and contacted me. They threatened to contact me at work. I called Nationwide to understand the nature of the call and was informed that I owe a debt. I did not recognize the debt  yet they had personal information that I did not share with them. I tried to relay to the representative that I wanted proof of the debt. The representative was rude and condescending with me so I discontinued the call. I was later called on my job by  XXXX   XXXX  to resolve this matter.  It is one thing to contact me through family members and my cell phone and it is completely egregious to call me a t work.   My company does not condone the use of their phone for personal matters. If I broke company policy that would put my livelihood in jeopardy. I have a problem with this approach. It is my desire to never have them contact me again at work or any other number that I have not authorized.
I asked to see the contract showing the open and close date of this account that was already paid. No contract was provided and I was unaware that the account was sold to a collection agency as the account was paid. No contract has been received. I do not owe this
Equifax mishandled my personal credit information. I was affected by the recent Equifax security breach.
XXXX XXXX XXXX promised me job placement upon graduating when in actuality no employer would hire me after finding out their deceptive trade practices and XXXX XXXX lied about their job placement statistics and upon signing up said that my loan was a grant instead of explaining that it was a loan
I am a recent victim of Hurricane XXXX, and this trade is negatively impacting me from getting the assistance that I need. My loan status is current as of this date and I need it to reflect that on my CRAs. I can not wait until the end of the month. This is a time sensitive matter. Also, the 60 day late marker needs to be removed. With my recent account maintenance, I am no longer reflecting alte for XXXX and XXXX. Please have this updated on all CRAs immediately. Thank you.
In XX/XX/XXXX I spoke with a representative of TD Bank after receiving a statement that an account I no longer used was incurring overdraft and maintenance fees. I told the representative that I no longer used the account and that it should have been closed for inactivatiy. The representative I had believed reversed the fees and closed the accouterments but I found out on XX/XX/XXXX that TD bank sent these accounts to their collection department and XXXX. I owe them no fees as I did n't use the account after XX/XX/XXXX. Called on XX/XX/XXXX spoke to representative name XXXX XXXX and she kept referring me to call a branch even after explaining they could n't help cause they would n't give account information over the phone.
I had previously sent fraud affidavits to Experian to get the following accounts which resulted in fraud removed from my credit history. They have failed to properly investigate and remove the disputed items below. 

- XXXX XXXX XXXX XXXX ( XXXX ) : Verify account is mine without violating any HIPPA laws. 
- XXXX ( XXXX ... ) : Fraud - Chase Card ( XXXX ... ) : Fraud - XXXX XXXX ( XXXX ... ) : Fraud - XXXX XXXX XXXX ( XXXX ... ) : Fraud - XXXX XXXX XXXX ( XXXX ... ) : Fraud - XXXX ( XXXX ... ) : Fraud I have sent 2 previous letters to Experian, all by certified mail requesting that they remove inaccurate information from my file along with the fraud affidavits and they have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt them to conduct a proper investigation of the accounts in question and send proof to me of said investigation, I will file a civil suit in XXXX County for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Wells Fargo Continues to proceed with a house foreclosure even though they have required documents showing that the house has been sold with a closing date in XX/XX/XXXX or XX/XX/XXXX. I have the sheriffs office calling me and serving me with papers as well as calls from others. Hundreds of attempts have been made through written and voice correspondence which are virtually useless because they always seem to fall into the hands of someone who " does n't have the authority '' to do anything about it. They refuse to give the real estate company a loan payoff amount so that accurate calculations can be made by the real estate company. Yet - at the same time - fee after fee after fee is being charged including forclosure attorney fees and there isnt even going to be a forclosure. THE HOUSE IS SOLD!!! But you ca n't get that through to them.
I tried to make my mortgage payment online but it would n't allow me to access any of the links. I tried calling to make my payment and it kept redirecting me to customer service which was closed. I have made all of my mortgage payments online until the above happened XXXX XXXX, XXXX. This is the second time in two years that my mortgage company has fraudulently tried to take my house from me. The first time was in XX/XX/XXXX. They always try to tell me I am behind on my mortgage 4 months but I am not. They come up with {$2500.00} in fees that never show up on my monthly statements. Last time they broke into my house and changed all the locks while I was out of town looking for work. The only replaced the locks and refused to repair the door. I was wondering if this is retaliation for a class action suit for forced insurance. I just want OCWEN to stop trying to steal my home under false pretense. I want to continue to make my payments online without interference from them. I missed XXXX mortgage payment so far XX/XX/XXXX so how can I be 4 months behind.
In XXXX of 2013 I was sent a notice from XXXX XXXX XXXX to go to court for an outstanding bill of apx. {$8000.00}. I wrote back and said I did n't understand how they could take me to court for a bill so old ( it is about 8 years old. ) I told them that I went through a period of bad health and divorce. I got behind with the IRS. They have reviewed my case and put me in " non-collectible ''. I told them the best I could do was {$25.00} a month. They agreed on that. I have a contract signed by the judge that says that I will pay {$2500.00} a month. This year when I had my taxes done they took my {$150.00} refund from the State of Michigan. I contacted them and they said " does it say on the contract that we can not take that money? '' I said no, but it does say we agree to {$25.00} a month. Well they kept my money. Can they just go in on any of my assets and just take them, even though we have a contract stating payment terms.
Refinanced my home loan with XXXX ( owned by first guaranty mortgage ) and closed on XXXX XXXX 2016. XXXX XXXX I received a letter from Round Point Mortgage servicing Corporation saying they are my new loan servicing company and to start paying them my first payment by XXXX XXXX 2016. On XXXX XXXX I received a letter from XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XXXX XXXX. 

As of XXXX both my online accounts for Round Point and XXXX show I owe a payment on XXXX XXXX. Since XXXX XXXX I have been communicating with XXXX and Round Point but no one can give me any kind of information or update as to when one of these accounts will actually close. XXXX says I should send my first payment to XXXX and do n't know why RoundPoint still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly. 

I am submitting two complaints, one for XXXX and one for Round Point Services.
In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they MUST be removed immediately to avoid litigation  : 1 .  XXXX   XXXX  2.  XXXX   XXXX  3.   XXXX     XXXX  #  2   XXXX  also shows a high limit on a collection account which is also falsely reported.
FORECLOSURE FRAUD CONSPIRACY. PLEASE HELP INTERVENE.. THANK YOU, CFPB. 

Attached documents for your examination ....
Upon learning this unknown company called my relative inquiring about me and a debt, I received a call on XXXX XXXX, 2016 I spoke with a XXXX and was told she was with XXXX XXXX, a mediation company, in regards to a debt I have with XXXX XXXX a payday loan company. I informed them that they violated the Fair Credit Reporting Act for contacting a relative whom I did not have contact information for let alone on my application to contact nor my persmission to contact the relative. She informed me she got her contact information from a background check and they had the legal right to do so. At this time informed her I was being represented by a firm in which was handling my debt and if they had did a thorough enough background check they would know to contact them and not me nor any relatives in regards to this matter. She refused to obtain their contact information and I also informed her that I would not like to be contacted per my rights. 
I contacted my company representing my debt and informed them of the situation and they needed the company 's contact information as they had not heard of this group and informed to make no further contact and to not accept contact from them. Upon calling to get their contact information I was given to a XXXX XXXX whom stated he was Investment group whom buys these cases to make money, I was being sued by his XXXX at XXXX XXXX and the true company Sullivan Assest Management has already filed on the case yesterday after my call and if I wanted to settle or make payments it would be through his XXXX XXXX XXXX and refused to give his address or contact information. I was informed to call XXXX XXXX, whom would say it was sold to XXXX, in which XXXX would send me to XXXX XXXX which is Sullivan Asset Management and that my firm I was working with has nothing to do with this matter and is nothing but a waste of my time and money. That I do not need to utilize them or gain their authority to make a deal now or I will be getting sued and that he could see that I 'm on a fixed income and the judge would make me pay about $ XXXX {$90.00} a month and I have to take care of it or I will be getting sued because he only bought my case and plenty of others for the money off of them.
Continental is continuing to report information on my credit report that is not a valid debt. I have filed numerous complaints about this company but the only response I seem to get is they collect their own debt therefore they are not bound by the FDCPA. However they are bound by the FCRA and are required to provide me proof I owe this debt and this debt is mine. I STILL have not got the information I have requested. I want PROOF this is my debt. I want something with my signature showing where I signed for this debt. If this debt cant be verified and validated within 30 days then this is required to be removed from my credit report. I will file a civil lawsuit against this company if they can not comply.
In year XXXX/XXXX/XXXX Citi reports to XXXX a high balance of {$0.00} and a credit limit of {$4800.00}. 
but in XXXX/XXXX/XXXX Citi reports to XXXX a High Balance of {$4200.00} and a credit limit of {$4800.00}. Why? 
In XXXX/XXXX/XXXX Citi reports to XXXX a high {$0.00} and a Credit Limit of {$9900.00}. 
In XXXX/XXXX/XXXX Citi and XXXX do not report a High balance, but report a credit limit of {$9900.00}. Why did Citi not report a High Balance? Is n't my High balance the same as my credit limit? Why is Citi changing my original credit limit? 
In XXXX Citi reports to XXXX a high balance of {$8500.00} and a credit limit of {$11000.00}. 
In XXXX, the same as XXXX and in XXXX Citi reports to all three credit bureaus, XXXX the High balance of {$8500.00} and credit limit of {$11000.00}. 
I need your help to ask Citi bank why they changed the original high credit from {$0.00} to {$8500.00}? Ask Citi why they changed the Original credit limit from {$0.00} and {$4800.00} to {$9900.00} and {$11000.00}? 
Because In year XXXX another bank mirrored a {$7500.00} balance onto another card with a {$0.00} balance. This bank admitted it to me in my phone call to them in XXXX. I had filed a complaint with OCC at that time. I believe Citi is a continued of this, since I made balance transfers to Citi Citi bank had a responsibility to not continue a false balance that was mirrored. I believe that XXXX is helping me with this and XXXX that the truth in the explaination by Citi will be given, as the trail of this error could have stopped a long time ago.
I have two hard credit pulls on my report that were not authorized by me. One on XX/XX/2016 by Institution Information XXXX XXXX XXXX, XXXX XXXX I was in recovery in XXXX  at this time. 

The second is on XX/XX/2016 as well. By Institution Information Cap One XXXX XXXX XXXX, XXXX XXXX
I had applied for a mortgage loan and was denied and provided a copy of my credit report. To my surprise I found multiple accounts listed on my credit report that do not belong to me. I sent a letter certified mail to Equifax , which was delivered and signed for on XXXX/XXXX/2015, disputing the inaccuracies, primary a inaccurately reported judgement listed as XXXX is unacceptable that the items are still listed on there. The same items were disputed with XXXX and removed, due to the facts that they are not mine and were reported inaccurately. 
Equifax is directly and negatively affecting my ability to not get a home loan. I find it highly impossible that Equifax is reporting information correctly on me and others and this is unacceptable. There are numerous complaints listed on the XXXX website, this site as well as other sites and this seems to be a common complaint.
This complaint is in reference to a Macy 's account that has been charged off several years ago and for which I received a XXXX for the balance. The account has been disputed several times with the credit bureaus for the inaccurate way its being reported. The account currently shows a balanced owed and late status which is inaccurate. Please address the correction of this account for I have done so with to no avail.
XX/XX/XXXX my wife set up a bi-weekly loan payment plan with what she thought was a department of our lender and with no extra fee 's. XX/XX/XXXX we noticed the payments stopped. I contacted my lender and was advised we had a third party that was paying and to contact them. I found it was a company called " XXXX XXXX XXXX '' and after several attempts, I was finally able to reach someone in that company ( XXXX ) on XXXX/XXXX/XXXX. My wife was unaware that there was a fee in the contract that she signed. The company has since had their bank backing dropped and can no longer provide service to us. I was promised a follow-up in 1-2 business days and patiently waited 5 business days before calling back. I called back and got XXXX who got me in contact with a supervisor named XXXX. She refused to do anything, but advise she will not refund or help in any way. Number XXXX on the contract we signed stated that their half of the agreement is to pay the payments in full until the loan is paid in full. XXXX also advised on the phone they guarantee all payments will be paid in full and on time and this guarantee is not upheld. This agreement and service was not made and essentially we paid over {$360.00} for a service that was in no way upheld. I was advised that your Bureau is leading a lawsuit towards them and am reaching out for assistance in this matter.
I ran my credit reports through annual credit report site and Experian reports did not work. XXXX to Experian site and ran report then tried to dispute information. Online dispute from Experian does not work.
Good morning, I have tried to apply for a decrease in payments with American Education Services. I called mulitiple times and I was told in XXXX I was approved for a {$50.00} payment but when calling in XXXX to make a payment I was told by a representative the request was denied. I told the rep I didnt understand because I was told I was approved. I can not afford the high payments given by AES and this company continues not to make this easy. I am a single parent receiving food stamps and still works a full time job and I need some help. This situation has caused me to be hospitalized in XXXX due to the stress of not being able to afford these payments. I do not know what to do please help me.
Just got off phone with Transunion. Once again lied and stated they sent the factor sheet explaining their credit score. It was not included and they will not give it to me. How can they judge me and not tell me how. XXXX ( supervisor special handling unit ) was most uncooperative, stating I had to pay {$9.00} to receive factor report. I demand an explanation and documentation on their scoring system and increase of my score. Countless inquiries made to my report without my knowledge. Had fraud alert on account in XX/XX/XXXX but they did not continue it and I asked for a security freeze, which I bet they did not do. ( agent in XXXX ) I want this corrected. No one is to check my credit and drop my score.
I had a Chase XXXX XXXX  card which I closed when the annual fee hit. Chase has refused to credit/refund the annual fee in violation of both the terms of the card member agreement and federal law. Chase claims it will take 60-90 days to credit the annual fee back and that if I do not pay it now they will charge interest and additional fees on the closed account and report the account as delinquent to all three national credit bureaus. This is simply not allowed under law. Chase should immediately remove the annual fee - it does not take 3 months - they are only doing this to either ruin my credit or obtain additional revenue from the fee.
PayPal has locked my account, i.e. refused access or approval of available funds, at least 3 different times within the past two weeks. The PayPal account I have is designated as a business account ; however, once funds are deposited from normal customer sales I expect to be able to use the funds as needed, business and personal expenses. Since XXXX XXXX, 2016, two of the instances when PayPal 'locked ' my account and prevented access to my funds was because they saw numerous uses of XXXX. I explained to PayPal that I have no other access to transportation where I live and in my health condition ( bus stop a mile away and I have XXXX ). I explained further that in addition to my using XXXX, both of my kids are using XXXX using the same account. So elevated XXXX usage is justified. 

The third time my account was locked PayPal said that I needed to verify my 'existence/identify '. My account was 'locked ' preventing access to available funds until I uploaded, my driver 's license, a utility bill, shipping receipts, business information, supplier information, and invoices. At the time, my daughter needed an XXXX to get home but could not because the account was locked. She was stranded, causing a potential safety issue and cause for alarm for me! 

My complaint with PayPal is the random locking of my account preventing access to MY MONEY! This is n't prevention of fraud, this is PayPal dictating my purchase patterns which should be beyond their authority.
The accounts were deleted and has been put back onto my account. AS a result, I requested in XXXX and again in XX/XX/XXXXfor Trans Union to delete the reposted accounts. Or, furnish me with the actual documents they have and used to substantiate the validity of the erroneous accounts. The accounts were initially deleted due to identity theft. {$1000.00} & {$120.00} were deleted by XXXX XXXX. 
I have requested once again for Trans Union to provide me with proof per FCRA of the documents they used to substantiate the reinstatement of these accounts and to date I have not receive any evidence.
XXXX Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, XXXX did not correct the error, so I called XXXX and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, XXXX left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.
The say if you spend {$10000.00} on their card in one year you get VIP membership in their casinos as per their website https : //d.comenity.netXXXXl  After spending that amount and not getting VIP, I contacted then and they said I had to spend it all at their casinos. That was not mentioned anywhere in their website.
I had an account for internet services with XXXX XXXX and had canceled the service. After I had called to cancel, they continued to bill me without my knowledge. I then received a bill many months after saying that I had an outstanding balance. I informed them that I had canceled the service and they still billed me even after that conversation. I do not owe them the {$520.00} they say I do. It has gone to a debt collector who continues to try to collect. The collections company has this shown on my credit report.
I just received a loan modification package from Seterus Bank with a proposal trial period payment for XXXX months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XXXX XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i could n't pay before in the XXXX place. 
I have spoken to alot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$970.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}? 
Please help me as this is getting out of hand and im worried for my family and loosing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification.