WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call from IC System Stateing I owe a Debt of XXXX to XXXX XXXX hospital. The rep Had a Incorect Address along with stating they Went to my Company Website to get my Phone Number. The Collection Rep changed my Address on the Contract they she claim I owe. When I told her I had Idenity theft she told me They will put this on my credit report come XXXX XXXX. I then called XXXX and wrote XXXX Letters with supporting Documents and they never Responded. I Do n't like the fact that the collection Agency change the address from where the fraud happen. I do n't even have a pet. XXXX and the collection agency refuse to even mail a Affidavit for me to sign or dispute the issue.
On XXXX XXXX, XXXX, I mailed the following to Fraud Claims Department, AT & T Universal Card, XXXX XXXX, XXXX XXXX, XXXX XXXX. As of today I have never received an acknowledgement or a response to my letter and claim. 
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. I have never conducted business with XXXX XXXX XXXX. This charge took place more than two hours from where I live in XXXX, XXXX. 
I did not initially identify this transaction as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain this transaction is fraudulent. I had to provide an agency with the last twelve months of statements. The agency was only concerned with charges relevant to them. As I was omitting non-relevant charges I discovered a fraudulent charge in XXXX, XXXX, on a different credit card from a company I had never heard of. This prompted me to examine all of my past records/statements for all my credit cards. With assistance and hours of close examination of all my statements I discovered charges for XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ( charges to a utility company that I had never had an account with, done business with, nor resided in that city ).
Well Bank of America is at it again! XX/XX/XXXX after BOA admitted they did not do right by me they told me to reach out to a XXXX XXXX to re-modify my Home Equity Line of Credit loan. I did and supplied heaps of paperwork and kept a good line of communication with XXXX XXXX. After 3 months It was deemed by BOA there was nothing they could do for me? XXXX stated that he would reach out me every month to see how I am doing and if anything came up to help me he would jump on it. I never heard from him again, as a matter of fact I could not get in touch with anyone regarding my loan because statements stopped coming, my account # did n't exists anymore, here we go again BOA! After dozens of attempts to find out where my payments were going I found a rep who finally explained to me that once again BOA charged off my loan there would be no further contact from them. I also found out my account was put in their bankruptcy dept. I did not understand this because yes I had to declare bankruptcy XX/XX/XXXX but it did not include the house. BOA however considers the HELOC to be a revolving product thus declaring me bankrupt, ruining my credit for good and keep in mind my bankruptcy did not affect them! The person who described what BOA did to me stated that BOA " sells '' people HELOC 's because they are small payments and tax write offs. She then said that the ploy is that you will need the money, which I did when I lost my job and use it. Now I am in a situation where, even though BOA encouraged me to do a remodifacation they knew XXXX well they were not going to approve anything and now my loan is " charged off ''. Charged off means that now I owe the whole loan in full! There will be no statements or contact persons for you because you XXXX been charged off. Also now that I do n't have a loan BOA is now hitting my checking and savings accounts with fees I have never had to pay, ever. I just recently reached out to the bankruptcy dept to get some clarification on the safety of not not loosing my house as long as I am making payments. The person told me there is no guarantee and refused to answer any more questions. BOA sets people up to fail and when they do BOA walks away and feels no compunction to help you. The fact that a bank can make decisions about your most important and personal investment without letting you know anything until it 's possibly to late is unconscionable.
My medical information was shared with a 3rd party collection agency and sold which in all goes against HIPPA rules.
My identity was stolen. Someone attempted to get credit in my name through XXXX XXXX. It showed on my credit report. They have not deleted the inquiry.
XXXX at XXXX AM I send Outgoing wire funds Transfer with CapitalOne Bank XXXX XXXX Checking Accounts in the amount of {$1000.00} And {$25.00} fee For a Personal Loan to XXXX Finance the XXXX loan was {$50000.00} the beneficiary name is XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX BANK XXXX NO XXXX After they get the money they suppose to Wire me the {$50000.00} within the XXXX hours and they did not immediately i went to my Branch in XXXX and XXXX XXXX ask them to reverse back my money that 's brief l'y what happened I have everything documented
I need to file a dispute on Experian Credit reporting agencies this is My 3rd and Final written Request to Experian Before taking Legal action on this Company. I have asked them for Physical Proof of disputed items on my credit report but they fail to respond to my Request! This is a clear Violation of the FCRA. They keep saying that they have CERTIFIED verified these accounts with the creditors But they are not sending me any of the information that I have asked them to send me such as the ( ORIGINAL CREDIT APPLICATION WITH MY SIGNATURE ATTACHED TO THAT APPLICATION ( FCRA 609 609 ( a ) ( 1 ) ( a ) I WOULD THINK THE CREDITORS WOULD HAVE THIS INFO TO GIVE TO EXPERIAN IF THEY CLAIM THAT THEY HAVE CERTIFIED THE ACCOUNTS IN THEIR INVESTIGATION THIS IS THE INFORMATION I NEED DURING THIS DISPUTE PROCESS FROM EXPERIAN! THEN I GET ANOTHER LETTER FROM EXPERIAN SAYING THAT THEY WILL NOT DISPUTE THE ACCOUNS ANYMORE UNLESS I HAVE SUPPORTING DOCUMENETS WHICH CONFUSING ME AND THIS IS WHY IM ASKING EXPERIAN FOR THE SIGN CONTRACT! BUT SEEMS TO ME AS EXPERIAN IS NOT DISPUTING THESE ACCOUNT THAT I HAVE ASKED THEM TO WITH THE CONFUSING RUN AROUND THAT THEY ARE GIVING I NEED THE CREDIT APPLICATION WITH MY SIGNTURE ATTACHED TO PROVE THAT THESE ACCOUNTS HAVE BEEN VERIFIED AND DISPUTED ACCORDINGLY. THIS WILL BE MY FINAL TIME ASKING FOR THE ORIGINAL SIGNED CREDIT APPLICATION BEFORE TAKING LEGAL ACTION I HAVE ALREADY FILE SUIT IN COURT ON EQUIFAX AND I WILL NOT HESITATE TO FILE LAWSUIT ON YOUR COMPANY THIS IS NOT A THREAT ITS THE TRUTH I HAVE ASKED YOU TOO ME TIMES FOR THE INFORMATION LISTED ABOVED BUT YOU WILL NOT REPOND OR DELETE THE INFO THAT I HAVE ASKED for WHICH IS A VIOLATIONS OF THE FCRA. 
Experian I do have supporting documents for the disputed accounts see attached File this is my final and very last time asking for this information or you will see me in court and I will sue you for {$1000.00} per each disputed accounts and credit inquires if you do not send me the sign documents with in the Next 30 days or have these unverified accounts deleted!
Today, XX/XX/XXXX, I used an app called XXXX to purchase XXXX XXXX tickets from a seller. Her phone number is XXXX ( XXXX ) XXXX and her email address is XXXX. XXXX does not help at all. I tried to reach out to XXXX but they will not assist. I transferred {$100.00} from my bank account to the sellers. The seller said they would immediately send me my tickets. Then, they never did.
My name was falsely signed to obtain loans at Wells Fargo for my sons student loans. I was harassed by WF about paying them. the loans defaulted. as a settlement I paid off the loans ( since they were for my sons education. I refused to pay all of the late fees and interest WF said I owed. I have asked WF to show me my signature that shows that I signed for the loans. they have never been able to produce any signed document after the first semester which I did sign. WF wanted me to fill out a criminal complaint against my son which I refused. I asked them If I did fill out a complaint would I get my {$40000.00} back that I did pay. they would not commit to that.to this day my credit is still in shambles due to the fact WF will not release my Loan debts ( which I never signed for and have paid ) because they say that they defaulted
I contacted my bank, PNC Bank, to inform them that my credit card had been over charged at a restaurant. The cost of my bill was {$10.00}. After paying my bill, I was informed by the manager that " I was overcharged a little '' but if I contacted by bank the next day they would resolve it. I was then given a receipt for {$10.00}. After checking my account the XXXX day, I noticed that I was charged {$1100.00} in addition to my {$10.00} bill. 

After filing a dispute with the bank the next day, I was informed that I would need to provide proof of my original {$10.00}. I explained that I lost the receipt from that night and was told to contact the restaurant for a duplicate receipt. After several conversations with the restaurant manager, I was told that he no longer had a copy of the receipt and would have to " get back to me. " After XXXX months of calling the manager, it was clear that he was not taking my request seriously. I contacted PNC Bank to inform them about the situation and ask them to help me by contacting the restaurant directly. XXXX XXXX, the woman handling my dispute, told me that they would try contacting the restaurant but if they could not get the proof they needed, I would be responsible for the charges. 

To date PNC bank, has done nothing to assist me in resolving the issue with this fraudulent charge and has deemed me responsible for the {$1100.00} charge. I have since spoken with the manager of the restaurant and he is still " checking on the matter. '' He also denies receiving any communication from PNC Bank. 

As a loyal customer of PNC Bank, I have entrusted my money to this bank believing that if anything misfortune occurred that they would do everything in their power to assist me in protecting my money. I never imagined that if a fraudulent charged ever occurred that I would have to become a private detective and investigate the matter on my own. PNC bank has neglected their responsibilities as a financial institution and should be held accountable.
I received a bill from a third party collector, XXXX XXXX XXXX for XXXX XXXX on XX/XX/18. I sent a letter of validation the same day and to date, they have not responded. I have disputed this as well with the credit bureau to request that it is removed.
I Called To Get More Information On A Debt Through Portfolio Recovery. I Was Wanting To Pay Off An Account And Get The Information Deleted Off My Report. I Spoke With A Lady Agreeing That This Could Happen. So On XX/XX/XXXX I Paid The Account Off But Now XX/XX/XXXX The Account Is Still Listed On My Report
I wired money on XXXX/XXXX/2015 from USAA account : XXXX XXXX XXXX {$5700.00}. to : XXXX XXXX XXXX, bank name : XXXX bank, bank address ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX acc # : XXXX. SWIFT code : XXXX. 
After two hours, I called to recall the wire transfer back. It was pending. I 'm still waiting for the recall. I know it 's my responsible to make sure the account information is correct. I feel that as a consumer that I should be able to recall the wire transfer as it is a error and scam. The receiving bank should be reply to USAA. All the bank should be there to help good customers not a scamer. The bank I wire the money to is in XXXX. 
The scam company is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, email : XXXXXXXXXXXX. 
add : XXXX XXXX XXXX, XXXX. XXXX. XXXX, XXXX ; XXXX. 
Banks should be able to recall the wire transfer for all the customers. Bank should be help the customers to get their money back as it 's is a recall. 
I also want to report XXXX Scams : XXXX XXXX {$8500.00} wired to XXXX from XXXX 's bank : Beneficiary : XXXX XXXX XXXX. 
Bank XXXX Bank XXXX XXXX XXXX. 
Bank address : XXXX XXXX, XXXX XXXX XXXX, XXXX bank XXXX # XXXX XXXX XXXX : XXXXPlease do published these XXXX scams ' company and name of these XXXX XXXX company:XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, fax:XXXX address : XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX. XXXX # XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tel : XXXX, fax:XXXX, address ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX. 
Please do protect consumers and we should be able to recall all the wire transfer back to good customers at the same day or the next day.. 
Thank XXXX : XXXX : XXXXXXXXXXXX
My name is XXXX XXXX I will start off by stating the facts and what happened, my son went to purchase a truck, the truck he already had was in my name since I had worked on my credit and gotten it up to a descent score. My son however and I thought he was listed on that truck because he was making all the payments so we thought he was building he credit to, but he was n't, anyway he went to XXXX of XXXX and they talked him into buying a truck and trading that one in, since it was in my name they needed me to sign off on it which I had no problem. Then I was told that I needed to be a Co-signer on the new truck and my credit was already ran and they had all the paperwork on hand they only used one bank which was XXXX and I said okay I have no problem, only to see my credit report after I sent a picture of my ID through my phone with over seventeen banks ran my credit in one day '' '' I was Floored '' I talked with the XXXX there and was told that it was a new salesperson that did n't know what he was doing and he was trying to get me the best rate, I told him I had already spoken to someone that told me that all that was already handled and all I needed to do was send my driver license and they could have my son bring the papers down everything was taken care of and my credit was only ran once through one bank XXXX. This was a bunch of XXXX  because I was notified that it was ran seventeen times in one XXXX day bringing my score down after I worked so hard paying my bills on time and to have all my hard work crunched in a matter of minutes I just do n't see how they can get away with this.
I am unable to use annualcreditreport.com to get my one-per-year credit reports as mandated by law. Even assuming there is a valid reason why they are refusing to allow me to use the web interface, only XXXX provides a phone number for assistance. Both Equifax and XXXX are requiring that I send sensitive information through the mail which is not only a security risk, it 's time consuming, annoying, and, in my case, impossible. They are asking for documentation showing my current address, but I am currently living on a military base and have no such documentation. I do not pay rent or utilities other than XXXX Internet, but they are like most modern companies and send bills through the Internet. My driver 's license is base issued and also does not list my home address. Based on this, I am unable to order my reports and though I understand my situation is in a small percentage of US citizens, there is no justification why XXXX and Equifax do not provide a phone number for support.
I have tried to get proof that I owe the staggering amount of student loan debt which is being taken from me as a garnishment. Several collection companies have traded around my file and adding up fees, etc. These companies include XXXX, XXXX XXXX, XXXX, XXXX, and Navient. To date the only " proof '' they have submitted are 2 items. One being a legitimate promissory note to XXXX XXXX XXXX I signed with my legal name in XX/XX/XXXX. It has been paid off, and I can find no proof that any bank is after me for that. Yet, DOE is garnishing my wages. The second bit of " proof '' is a consolidation form from XX/XX/XXXX that is wrong in so many ways. It has a signature on the bottom line that is not the same as on the beginning of the form. Neither is my legal name, and the bottom signature is certainly a forgery. I have countless documents that show how I sign my name, and they are consistent and different then this one. Also, It has no amount or bank that I supposedly agreed to. I have repaid every loan or made payment plans ( rehab ) to correct to no avail and now for years have been being garnished. No one I have talked to has helped but are sure to tell me how to start another goose chase of sorts. I am getting ready to retire and have seemingly no options.
Requested validation of  XXXX   XXXX  debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a negative on my credit profile.      1st  request sent certified mail  XXXX / XXXX /   17  ; response was " ve rified '' 2nd req uest sent certified mail  XXXX / XXXX / 17  ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile :  XXXX  These items remain on my credit report in violation   of Federal Law.
* Under the FCRA the credit bureau should provide me a copy of the original credito  rs documentation to verify if this information is mine and is correct.   * These negative records are also listed on my report as duplicate record s (   XXXX  times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.
On XXXX XXXX, I noticed several large charges authorized on my Amex account ( on my mobile app ) from a merchant I had never heard of. I immediately called American Express to report the Fraud. Several calls and several broken promises later, no one can tell me the status of these fraud cases, no one can tell me when credits will be issued, they 've been unable or unwilling to stop this merchant from charging me and they 've sent my replacement card to my former address, despite my giving them my new address several times. While I 've been assured that I wo n't be financially liable for the fraud, they refuse to put that in writing. Likewise, it appears criminal ( s ) have XXXX account numbers that they continue to charge while a replacement card is now floating around in Minnesota while I 'm Arizona. I 'm feeling very exposed to further financial damages, identity theft, and am not able to use the account I 've been using for my day-to-day expenses for several years.
Debt reported to collection agencies even though I was trying to communicate with agency. Also, incorrect amount of debt owed.
I was having financial trouble and asked for help from FIA credit card services ... they put me in a program which I was paying on in a timely manner, for a very long time. The program included automatic payments from my checking. I noticed that a payment had not come out for a credit card payment and called FIA to fix. I was told everything was okay ... then I noticed that FIA charged-off my account ... despite my willingness to pay. I called and asked why they did the charge off if I was willing to pay ... and they told me that I was in a special program and that they could if they wanted ... so their answer was " they could if they wanted. '' While this was going on, I was receiving collection notices from Bank of America ... I did not have an open BofA account ... So I thought they were in error. I hired an attorney and the only information she was able to find out ... was that FIA was owned by Bank of America ... as a consumer ... I did not know this and they did not tell me. They ignored my attorney - would not talk to her. So, I have been punished for an account that BofA purchased, then promptly charged off as soon as they could. I have since settled the account ... but it is annoying that they just charged my account off for one late payment. It shows that it was somehow profitable for them to do so. I think collecting under another assumed name ... BofA collecting for FIA was not ethical ... they should have informed me. Also, when I worked for Banks ... charging off was for accounts that could not be collected. I have been working diligently on the repair of my credit since. Can something be done about this?
I had XXXX XXXX a while back ; suddenly I was slammed with this new and AWFUL mortgage company, SLS ( Specialized Loan Servicing ) and they are the absolute WORST.

I have NEVER been able to reach them when I called ; NO ONE EVER PICKS UP! 

They are the most incompetent ineffectual group of worthless hacks I've ever had the misfortune of being subjected to. 

After multiple frustrating situations with SLS, I decided to look on line and read some reviewsAnd they are ALL NEGATIVE! Not one single legitimate positive review!

I have included THREE website links for you to see for yourself ( XXXX, XXXX  and Consumer Affairs ). 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX I am looking for the resolution action of releasing me from this miserable company, and be allowed to choose my own loan servicer, preferably my own bank, XXXX XXXX. 

Then, SLS should be SUED for making so many people 's life so miserable! 

Thank you! 

XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX XXXX XXXX ) XXXX
I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact Transunion, XXXX, and XXXX. I have also called the companies in which the inquiries were made and they were unwilling to help.