WillisBack/dataset-financial-user-claim huggingface dataset:
7 years ago my ( XXXX, who XXXX 3 years ago ) husband had a credit card. 7 years ago we owed {$6000.00}. Today I owe {$4300.00}. BBVA Compass Bank is charging me 14.240 % on {$2500.00} purchases. 23.240 % on {$1700.00} cash. This company has been gouging me on interest payments. I am XXXX, in a XXXX and on XXXX. I only have XXXX XXXX and no other assets. After paying rent, food, utilities, insurance premiums and prescription drugs ( plus minimum payments to Compass Bank ), I only have {$28.00} left. I ca n't even afford XXXX XXXX, clothes or shoes. I called on X/XX/17 at XXXX XXXX and the bank would not even look up my account. I was put on the debt list because I missed the due date by one day. I do n't have the credit card anymore, because my husband XXXX 3 years ago. The bank was not helpful at all. I asked to speak to a manager, but she was unavailable. I tried to go to a Debt Consolidation Company, but you need debt of at least {$10000.00}, so I do not qualified.
I am being contacted by a debt collection company for a debt that is not mine. I believe this debt is a result of identity theft. This company has not validated this debt per my request.
On XX/XX/XXXX, I scheduled a one-time payment for XX/XX/XXXX via XXXX for my FHA mortgage. Later that same day, I deleted that schedule payment ( see attached payment deletion confirmation email received from XXXX on XX/XX/XXXX ).

On XX/XX/XXXX, XXXX withdrew the mortgage payment from my account ( despite confirming they deleted the payment authorization! ), putting me at risk of other payments being rejected ( copy of withdrawal screenshot also attached ).
Recently, I became aware that my credit card was switched from paper statements to electronic statements. This occurred without my knowledge or consent. I have been receiving paper statements for the past 20 years. I recently signed up for the credit cards rewards program and it may have switched me to electronic statements when I registered, however I was not aware of the change. I was not notified about the change to electronic statements via email or any other communication. I charged {$4.00} on my credit card and was waiting for my paper statements and eventually forgot about the charge. The bank charged me {$44.00} in late payments and place a 30 day late payment on my account. The only way I was to find out about this late payment was through my credit protection account, which notified me. I was never notified about my account being past due. The bank used deceptive practices to change my statements to electronic and profited from the result, in addition to damaging my credit. Precedence has been established during my 20 years of receiving paper statements and changing me to electronic payments without notification is Illegal.
I deposited my XXXX distribution check as I have retired. The amount was XXXX. I deposited the check on XXXX XXXX. Bank of America released XXXX on XXXX XXXX. They are holding the remaining XXXX in till XXXX XXXX. I have called and asked them to please release some of the money and they refused. They asked me why I needed the money and what did I do with the XXXX. This money is mine and they were very rude asking personal questions. I do n't understand why it takes XXXX business days to release MY money. I need the money and they treated me like I was a welfare recipient and I wanted something for free.
With my Chase credit card, I am unable to schedule automatic payments of anything but the total statement balance or the minimum. I also ca n't schedule payments past XXXX. It is extremely frustrating and ensures that the debt remains high since I ca n't pay off the total ammount at once.
I used Paypal to send money. They withdrew {$2500.00} from my bank account, but never sent it to the recipient. They have refused to provide customer service to resolve the problem.
XXXX First, Assistant VP of Bank of America at their XXXX XXXX XXXX, XXXX XXXX, MO XXXX branch, seized a personal check made payable to me when I tried to cash the check. Refused to give it back to me and said it was their property, not mine, because the check was written by a Bank of America account holder.
I never applied for a credit card from Capital One GM Card yet one arrived in the mail with a $ XXXX credit limit. I do not want unsolicited credit cards ... ever.
1. After stating that I could not pay any of my debt until XXXX XXXX, the debt collector kept asking me to pay half of it this week. 
2. Debt collector kept asking for checking account and debit card information AFTER I stated that it was not with me.
To Whom It May Concern, I XXXX XXXX sent my father {$550.00} 2 times through XXXX via mobile number XXXX From Chase to his Bank ( XXXX XXXX XXXX ). My father received confirmation XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX that my account will be credited but he never received the money. Called Chase said money went to the matching name and phone number and kept giving me a run around, transferring me from person to person as no one knew what to say or do. I have spend many many hours off work to try to handle this and still hasn't been resolved. It is a lot of money to me and I hope and pray you guys can assist in getting my money back. It has been 2 months of stress and I feel as I will be loosing that {$1100.00}. 

thanks, XXXX XXXX.
Experian Report XX/XX/2018 Credit score should be adjusted due to XXXX, XXXX XXXX, XXXX XXXX XXXX was on my credit 2 XXXX XXXX XXXX was showing due to the deletion and back in XX/XX/XXXX that they be removed due to 1 had went to court and dismiss and I provided the documents several times with no results. Experian had has enough time to correct the issues in which they was all deleted and XXXX XXXX XXXX was placed back and removed a second time in which I provided a letter stating the account had been deleted. My score has not change due to errors on Creditors and Experian I should not have to wait due to errors and mistakes by Experian time of months.
I was in the military from XXXX. While in the military I got an auto loan from Coastal Credit LLC. They sent a complete copy of my contract to My command master chief before I was ever even late on a payment. After this when I was late on a payment they decided to send letters to My commanding officer informing him that my account was past due and giving him all the account details. When I got out and moved back to Michigan my truck was repossesed in the middle of the night and I was told by coastal credit and the repo comany that I could not get my Items back unless I paid off my balance. They then sold my truck which had a XXXX value of {$9000.00} for around {$4000.00}.
On XXXX. XXXX, 2017, EQUIFAX reported a breach of their cyber security during which time they believe my data, including personal records like social security number, credit reports, addresses, phone numbers, and more, were accessed. When I used the tool they provided to check on whether my account was compromised, the tool indicated that it was but did not offer a remedy.
I requested for Experian to dispute XXXX XXXX on my credit report, account number XXXX. I am attaching the letter from my daughter indicating the account was not mine that she signed without my permission or knowledge, this should be more than enough for the organization to release me of liability. but yet I am being responsible. XXXX asked me to send a signature from 2007 which is senseless as I do not have anything from 2007. I have already given them a letter from XXXX and I have provided a domicile where I have lived over XXXX years and the organization did not have my address or email or anything of the such. The info XXXX has matches up with my daughter. I provided a domicile to them not only did it list my addressed but also my signature. Experian refusing to dispute is violating my rights. XXXX has had this fraudulent account on my credit almost XXXX years and I want it removed. I did not think it would be necessary to retain legal representation for this XXXX situation but it seems I may.
I was sued by Providian National. I do not know when. I talked to XXXX about this, they collected the debt. Providian says we opened a account in XX/XX/XXXX. We were in a repayment bankruptcy. We do not use credit cards. They said they tried to notify us but they were always behind on the address, although I was employed and the address was available. The case number is XXXX. Social is XXXX. They got a judgement for {$2400.00}. We did not know until they garnished his paycheck in XX/XX/XXXX. I do not believe I owed them anything and if I did, why would they wait ten years to collect. Just so the interest was XXXX XXXX dollars higher.
My name is XXXX XXXX and I work with XXXX XXXX XXXX. XXXX XXXX and her daughter, XXXX XXXX, have hired our firm to work on their behalf to recover stolen funds at M & T bank. I am acting as power of attorney. XXXX and XXXX have signed all necessary documents to assign power of attorney to our firm but M & T will not honor the power of attorney documents and so far has refused to speak with our firm about the issue. 

Someone stole checks from XXXX, forged them, and then cashed them. XXXX mail was diverted by the thief and the fraudulent checks continued to be cashed. The total is in the XXXX dollars. M & T refuses to reimburse the funds under the Electronic Funds Transfer Act and has only offered XXXX a very small amount of reimbursement. So far M & T has refused to put their denial of reimbursement in writing. The fraud was reported to M & T on XXXX/XXXX/2016. 

M & T made no effort to contact XXXX, or compare the signatures on the checks with XXXX true signature. The signatures differ substantially. The checks were also outside of her normal spending habits but M & T still continued to do nothing to protect the funds or verify the legitimacy of the checks. XXXX has not given M & T any permission or authorization to honor these fraudulent checks. 

M & T has stated to the victims that they would speak with our firm regarding this issue but has so far refused to return calls or letters. 

XXXX is XXXX years of age and her nest egg to live on has been cleaned out. We urge M & T to reimburse the full amount of the fraud and go after the perpetrator for restitution. The perpetrator has been arrested and is awaiting court proceedings at this time.
Mortgage company Nationstar refuse to send me itemized info about arrears and breakdown of XXXX dollars in coporate advance. They are already charging me extra monies for escrow and can not justify ir explain the corporate advance fees. Trying to reinstate my loan but they are not helping me to do so
please have equifax delete this XXXX XXXX mortgage acct enclosed is a letter from XXXX XXXX to remove it.you can contact verify this with XXXX XXXX at XXXX XXXX to verify XXXX or by email at XXXXXXXXXXXX. attached is a letter from XXXX XXXX
I have spoken with their customer service, they would not help and take care of the negative inquiries reporting on my credit report. Keep, in mind that I have a fraud alert/ identity theft alert on my account and they did nothing to resolve these fraudulent inquiries. 
Also, I disputed these fraudulent accounts because of identity theft multiple times and also sent in multiple police reports/ documentation. The company decided to not take my disputes serious and did not provide valid reasoning for not removing these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/TOTAL XXXX XXXX XXXX XXXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX Account Number - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Negative inquires : XXXX BANK XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX CRED XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX BEHALF XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXT Inquiry : XXXX XXXX. XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX CO XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : Apr. XXXX, XXXX
there is no sufficient information to support Equifax 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX   XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Company has instilled fear within the consumer. Today the company responded to a earlier complaint stating that the matter was in past or present litigation. This caused emotional distress. I would like for I.C. Syste m to provide proof that this matter is in litigation or has been in litigation pertaining to this matter with  XXXX   XXXX . Please upload any and all past or active litigation documents that were the result of a case #.   XXXX  Thank You
FREEDOM MORTGAGE.We started a claim with our insurance company due to vandalism of our property. They issued the check without any delay, however, it had to be endorsed by Freedom Mortgage as well. We understand. HOWEVER, FM delayed the reimbursement by 3 months, for various reasons. Our house was under repair, and we had to pay out of pocket while we waited for them to process our claim check. During final inspection of the property, we scheduled with two separate inspectors, and they never showed up. Every time we called for status update, no one seemed to know the hold up, we experienced horrible customer service. We felt everything was done with intention to foreclose the home, we couldn't afford both the mortgage and the repair costs, because our insurance check never came through on time.
I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt. 

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted. 

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX 

Per a letter I received from the Ohio Bankruptcy Court, no  verification was done as the courts do not verify information.
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Bankruptcy : Discharged CH-XXXX, XXXX,. XXXX XXXX.
I was trying to figure out how these address on my credit that are not mine. THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE DELETE. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX, Ohio XXXX. My employer XXXX XXXX XXXX XXXX XXXX. XXXX XXXX   THESE FOLLOWING ADDRESSES ARE NOT MINE : XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX
No prior notice of default or dispute for note acceleration Prolonged prior loan modification by consistently stating that paperwork not received placing property in foreclosure. 
prolonging get contractor paid due to stating paperwork not received, paperwork done incorrectly per their instruction, losing draft, stated they never got it, but third party confirmed they sent it to him by mistake, this preventing sale of the property. 
Offered {$8900.00} move allotment which they received, but did not stand behind
Receive multiple calls on almost a daily basis from different numbers. Voicemails stating an important call from a debt collector.. Midwest Recovery Systems ... I know for a fact I do not owe a debt and I read online that this company is accused many times of fraudulent claims. I have not called the company back because I do not want to waste my time disputing a false claim and potentially becoming at risk for higher involvement.
On XX/XX/XXXX XXXX XXXX XXXX performed our bi-monthly service for ant control. Within two days the inside of our home was overrun with ants. We telephoned XXXX XXXX XXXX twice asking for a technician to come out and respray under their warranty. We were given the run around and no one contacted us or came back out. I wrote to XXXX XXXX XXXX on XX/XX/XXXX notifying them we would not pay the bill because they didn't provide adequate service. 

In XX/XX/XXXX I received a letter from Systematic National Collections, a debt collection service. I followed the direction on their letter and notified them in writing within thirty days that I dispute the validity of the claim. They never responded to me. 
On XX/XX/XXXX I was notified by XXXX XXXX that a negative report had been posted. 
I telephoned Systematic National Collections today and the young man with whom I spoke would not listen to me and just repeated over and over again that I owe the bill and to just send a check. 

I will not pay for service that was not provided adequately.
I filed bankruptcy. I reaffirmed my car loan with Chase Auto Finance never missing a payment. I have documented proof, a payment history summary. I have asked Chase Auto Finance to submit the correct principle balance to all Credit reporting agencys on several different occasions through there recorded customer service. I have disputed this matter with the Credit reporting agencys, to no avail. My principal balance as of today is {$12000.00}. Chase Auto finance is reporting as of XX/XX/2018 my balance is {$17000.00}. This discrepancy can only be some form of punishment for my Bankruptcy. Chase Auto Finance was the only reafirrmed loan on my Bankruptcy Petition. I am simply asking that the correct dollar amount of my principle balance be reported to all Credit Reporting agencys for future employers and lending agencys to access my record.
We refinanced our mortgage in XXXX XXXX. It was quickly sold to RoundPoint Mortgage Servicing. On XXXX XXXX, XXXX I first contacted RoundPoint to notify them my initial escrow deposit of {$3300.00} was missing from escrow. It took until XXXX XXXX, XXXX for the funds to finally be deposited. The agent I worked with told me no analysis would be done because the Initial Escrow Analysis from origination was accurate. The deposit is incorrectly credited on the account as a Hazard Insurance Refund. Today I went to make my XX/XX/XXXX payment and noticed the payment has increased from {$1200.00} to {$1200.00} - increase of {$9.00}. I looked further and realized on XXXX XXXX, RoundPoint performed a short cycle analysis effective for the XXXX XXXX payment. They are violating RESPA guidelines and are not providing at least 30 days notice of a payment increase due to escrow. I was on the phone with customer service for over 1 hour and am no closer to an explanation. The level of customer service I have received is far below the level anyone should be receiving. For example, on the phone today, the agent informed me the analysis was performed and payment increased due to taxes increasing, which is completely false. I was also advised that they received an insurance refund on the account, again false. I should n't have to hand hold every customer service agent I speak with to tell THEM what is happening with my account.
I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XXXX of XXXX  but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped XXXX points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency convergent.