WillisBack/dataset-financial-user-claim huggingface dataset:
I 've recently uploaded my bicycle up for sale on XXXX. XXXX who was very interested in purchasing the item have sent me the cheque that was more than the value of the item, and have asked me to send the remainder to XXXX who XXXX claimed was his delivery guy. I deposited the cheque and waited 4 days for the cheque to clear. Once the cheque was cleared and became available in my account, I 've proceeded to wire-transferring the remainder of the amount to XXXX. The day after i 've wire transferred the money, the initial cheque that was cleared was now returned and I had deficit balance of - {$2000.00} in my checking account. I called Chase ( my bank ) to ask about what happend, and they 've explained that the cheque was cleared early for my convenience, which i never asked for, and then was later returned since cheque was not valid. On top of this I was charged for the returned cheque, which was cleared by the bank without checking its validity. This is unacceptable that such huge financial organization would defer their responsibility on customer.
I refinance my house on   XX/XX/XXXX  and opened mortgage with Quicken Loans. My monthly payment o n 30 years fix interest loan was  XXXX  On   XX/XX/XXXX  , QL against my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since   XX/XX/XXXX   I made over 10 requests to close Escrow account. QL refuses multiple requests to close escrow account unless I apply for new higher percentage loan. For monthly payments to Escrow account QL charges me roughly double the amount of total yearly payments that associated with my property. Current  Escrow Balance is {$2000.00} Future p ayments in following 12 month are {$3800.00} x  XXXX  property taxes.    XXXX  x  XXXX  = {$7700.00} ; {$7700.00} -  XX/XX/XXXX  = {$5700.00} ;  XXXX /12 monthly payments is {$480.00} QL instead collecting {$990.00} to create financial problems.
Equifax is reporting a judgment on my credit file and it is not mine. And to top it all the date is incorrect. They have the date at XX/XX/XXXX and then in XXXX when I disputed this they changed the date on XXXX XXXX to XX/XX/XXXX and then it just got changed back to XX/XX/XXXX. It is unverifiable and they have not verified this as I requested for the past 3 months. So I am asking to have it removed per the FCRA and they wont. This is not fair that they can do this.
Hello. Thanks for your help! 

This is in regards to a full file disclosure from a speciality CRA, Contemporary Information Corp ( CIC ). 

This CRA has run numerous reports on me in the past- including- a dispute with this company back in XXXX XXXX were reporting an expunged record- in which they eventually corrected ( confirmed in a paid report run XX/XX/XXXX ). In XXXX XXXX, they ran another tenant screening report which reported a 'code XXXX Must call customer service for a manual search. ' My full file disclosure request included the below language : " I am writing to request a free annual full file disclosure ( FCRA 612 ( a ) ), including all information recorded and retained, regardless of how the information is stored, including sources for the information in the file, information about persons who have procured a consumer report, and a record of all inquiries, as mandated by the FCRA and enforced by the CFPB. Please include definitions for any coded information as also required by the FCRA. '' " While this letter of full file disclosure request and enclosed identification fully satisfies all requirements of the FCRA Regulation V, please inform me in writing if there are any issues with this request. Any noncompliance of the FCRA or FACTA will be documented and appropriate actions will be executed. '' The response of the full file disclosure was simply a clean consumer report ( attached ). 
There is : -no record of the report ran on XX/XX/XXXX ( attached ) -no record of the report ran on XX/XX/XXXX ( attached ) -no mention of the coded information on report from XX/XX/XXXX -no definitions of coded information -no record of the prior dispute -no source of information from previous dispute -no information about the persons who have procured a consumer report on me All supporting documents are attached and labeled. 

I am looking to receive a proper full file disclosure - EVERYTHING that this company has in my file - not just a clean consumer report ( CIC sent me a clean report in XXXX XXXX and somehow sent out the 'code XXXX ' report in XX/XX/XXXX ). 

In summary- CIC originally issued an inaccurate report, claimed it was fixed after a formal dispute, later issued a report with some sort of coded flag on it, and then issued me a clean report when I asked for a full file disclosure. 

These guys keep messing up my report and now are n't following proper protocol for a full file disclosure. Can I please get some assistance? Thanks!
I have been working on a loan modification with Ocwen financial for over a year now each time they tell me my file is complete for processing but when we are to finalize any type of agreement there is ALWAYS an issue " missing '' documentation " expired '' signatures which I realize are STALL tactics on Ocwens part~ The latest excuse is that a letter from my boss WITH my tax returns AND a XXXX are NOT sufficient proof regarding a stipend my employer pays me each month~ our Mortgage was held by GMAC up until a few years ago where our mortgage payment jumped up close to {$450.00} a month with NO explaination as to how this new number was calculated AND there are " insurance '' premiums tacked on to my mortgage that I NEVER SIGNED FOR OR REQUESTED! And as of last week my husband is unemployed and no longer has proof of income ( which Ocwen always rejected his pay stubs from his employer anyway Its ALWAYS an excuse with Ocwen. I recently started researching into this company and have come to find that they stall on most modifications and are happy to pay the fines involved as they fare much better financially by screwing strapped homeowners around and paying the fines than running their business ethically! There have been XXXX ( im number XXXX ) NJ consumer complaints against Ocwen in the last year ( XXXX XXXX to XXXX XXXX XXXX. My credit which has been pristine is now totally destroyed and I am in grave fear of losing my home.
Chase approved me for a card along with a XXXX balance transfer @ 0 % intersest for 18 months, No where and at no time did they say they might reduce that amount. If so provide a copy of a written signature or a recording of a phone call. A few days later I got a letter in the mail from them stating that the address for the creditor where the balance was being transferred from was n't correct and they could n't complete it. Again, no where on this letter did they state that the amount was going to be less than 1700. I called to give that address to them at which point they told me they were only going to transfer {$1000.00}. If the address was n't an issue they would have only transferred {$1000.00} without ever telling me they had reduced the approved amount. This is bait and switch and against the law in GA. O.C.G.A. Sections 10-1-390 et seq I would rather we settle the issue here instead of me getting the State Attny General 's office.
The summon was served to my ex roommate instead of me so i never received the summons. Now the credit card company has a judgment against me because I apparently " defaulted. '' What is my best course of action at this point? Discuss repayment however there is additional debt they claim I owe ( which 90 % are penalties ), or file for BK? Would disputing the judgement be an option since it was never served to me? This is the only neg that is still showing on my record all of my other revolving debts are in good standing.
I, XXXX XXXX, with SS # *********** was sued by XXXX XXXX from Persolve, LLC, XXXX Account Resolution Associates, XXXX, located on XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on behalf of XXXX XXXX for a Credit Card Debt that belong to me but was compromised on Identity theft together with other account that were corrected at the time by the creditors by following video survelliance proving that my Credit cards were used by another individual different than me. Other credit card companies were willing to do their own investigation and concluded in effected that it was not me using the credit card and by also looking at my history proven that i would n't of never used my credit card to that extend. I initialy was contact by XXXX XXXX requiring for me to pay for those transactions, during several comunications with them, I told the Credit Card company that I was victim of Identity theft and therefore that debt did not belong to me. In the beginnig I tried to keep my credit card in good standing by making my payments but they did not want to investigate the transaction in dispute and took legal process againts me. When it came to the legal lawsuit, they did not serve papers on time for me to appear to court, summons were served after the fact and did not give me the chance to respond. Now a lien is place on my property which is totally wrong. I follow the chain of command, I do n't understand how the other Credit Card that were also compromised were willing to investigated and XXXX XXXX just refused to and proceeded with a legal action that is impacting negatively in my Credit that I had work so hard for all this years.
i came apon checking my credit for accuracy and found out my personal information has been used to open medical acounts and other accounts of some sort without my permission I was advised to fill out this form
On XX/XX/XXXX and XX/XX/XXXX we closed 2 transactions where the seller had a first mortgage with XXXX XXXX and then a second mortgage was recorded for the exact amount to Secretary of Housing. They are assigned to Nationstar Mortgage and then assigned to XXXX XXXX. They are in essence placing a double lien on the person 's property although they have only one mortgage. I understand these are reverse mortgage 's but XXXX Mortgage/XXXX XXXX  have been paid off months ago and they do not prepare and file a release. We have a lender that has been asking for their final policy for 3 months now. We have called everyone including Secretary of Housing, XXXX, Nationstar, XXXX XXXX to no avail. This is ridiculous and I thought RESPA said they needed to file a release within 30 days of being paid off? If this is something you can help us with please feel free to contact me for more information and proof. 
Thanks, XXXX
On XXXX/XXXX/XXXX I set an initial fraud alert with XXXX and was told they would share this request with Experian and XXXX. 

A couple days ago I received a document from Experian dated XXXX/XXXX/XXXX indicating that an initial security alert was added to my credit file. So far so good, the system works! This letter stated I can receive a free copy of my credit report by visiting their secure Web site. During the information entering process on XXXX/XXXX/XXXX the website crashed and kicked me offline. When I went to the secure Web site the second time to request my free credit report, and after the majority of steps were completed, I was told I was not eligible. I understand that these glitches happen so on XXXX/XXXX/XXXX I called Experian to discuss the issue with a representative. Unfortunately, every published number directs you to a automated system with no options that address the problem and no option to talk to a human!!! Of course, they provide plenty of opportunity to PAY for my credit report, the credit report that should be FREE! 
This really is a relatively straightforward issue that could have easily been resolved by talking with a customer relations person. However, since Experian does not seem to have any human customer service personnel, and after several unsuccessful attempts to contact a human at Experian, I had no other choice but to file a formal complaint. 

Thank you.
I'm having little problem locating my receipt but o still have items I purchased and my husband 's debit card we paid with. 1 or 2 weeks ago we went to the KOHL store to do XXXX shopping on the check out cashier advised to open a credit card I agreed she asked me to follow instructions on the screen. After I completed all the steps she asked other cashier to help both of them standing looking at the screen and then they say can we have your State issued driver 's licence, which I understand why it was requested but I left mine in the car. I said I left it in the car I parked pretty far it's already took quite a while so I think we should cancel everything I want to cancel the process. BUT CASHIER XXXX XXXX  ID of my husband and said thats fine we still can process. I felt it is not right so I rejected and asked two cashiers to cancel whole process and just let me pay with debit card. They looked disappointed but followed the instructions. Today XX/XX/2018 i receive missed call from KOHL with voice mail asking to call nack after spending more than an hour on the phone and constilently on hold finally representative named XXXX states you approved for {$400.00} credit card and we will mail it to you shortly. I was in shock and told him I'm sorry I don't want to get anything what do you mean you will send me credit card and for now I can use my ID to pay for time being. Representative got very mad and started yelling at me and saying that I said to process it. I rejected I recapped exactly what I said to him and continue yelling I nicely asked him if u can talk to a supervisor or manager and asked hime nicely not to yell at me. HE PUT ME ON HOLD ... after a while he came back and said they will send me letter about and now they will cancel credit card. I asked him again may I please speak to a supervisor. Representative said we will call you back tomorrow I asked May I set preferred time for supervisor call back, representative I'll ask them what time would you like I provided preferred time and took the survey and shared my absolutely dissatisfied experience. 
Because it was department store I decided to call centralized office I called and spike to a nice representative, who took all information for complaint about terrible customer service and advised data will be passed to district manager and they will address the matter but nothing about opened credit card which I did not ask for and was accepted with wrong ID. WHICH makes me feel whoever witj information easily can open cards and use my identity very easy without any proof for the data is for the person who is actually applying. 
Please advise and take needed action to prevent such actions opening credit cards when people rejects them and open cards without any identification for the person.
I went to a XXXX Department Store in XXXX, Pa. I gave the clerk a XXXX XXXX for payment. Clerk seemed to process it but asked if I wanted to earn points for future purchases.I said it said I do n't come often but ok as long as it is not credit card since I have college loans at variable rate interest and dont want to ruin my XXXX score. She went into computer and handed me the reciept which I figured was charged to the XXXX card. over a month later I got a bill from a XXXX Rewards. Here I caught on that I was scammed at the clerk table. with a BAIT AND SWITCH like XXXX XXXX and XXXX bank pulls off telling you it is only a rewards card not a credit card but illegally proocesses a unrequested credit card application. The XXXX card submitted to pay earnd points at XXXX and in a subsequent call to XXXX they agreed to send me a Marshalls bill, take things off their card and cancel it and I would pay the Marshalls bill with the XXXX card that I was scammed out of using thus losing VALUABLE XXXX rewards AND getting a XXXX card I did not want with predatory interest rates and fees. However they failed to do so and instead sent a letter asking me to send them proof i paid with XXXX. It was very clear in phone conversation they SHOULD HAVE PROCESSED XXXX BUT SCAMMED ME, ISSUED THEIR CARD AND CHARGED THEIR HIGH INTEREST CARD.
I had lived in XXXX since XX/XX/2015.. And I had noticed that someone had used my information and opened up bunch of creditcards. 
These accounts are not mine
I have complained on here before .. the original date of my loan was in 2007 and the orignal prinicpla was XXXX. Today after beinf talked into forebarences instead of lowering my rate.. I now owe XXXX on my prinicpal .. I have made payments for many years without missing but the last year was hard.. and all that happens is my prinicpal keeps raising as does my variable interest rate.. I will always be in debt with this loan
My wife and I re mortgaged our home with Citibank in XXXX. After I came home from my third XXXX my wife said she wanted a divorce, this was XXXX. That 's when my financial problems started maybe XXXX MIXED WITH DIVORCE I DONT KNOW. I found my self behind in my payments it is my fault my responsibility. Any way forward to XXXX still in financial problems, now with my Citibank Mortgage I saved my home first time in XXXX XXXX. Divorce finalized same year I was trying to save marriage and home, could n't save my marriage and home was in arrears again she did not want to help pay for home or at least aportion of it. I turned a hardship request to Citibank for mortgage assistance around XXXX XXXX. Request was accepted and I started to turn in all required documents they needed, after turning in documents I was told all foreclosure proceedings would be stopped, but a local firm on XXXX sent me a letter stating house would be sold at auction first time XXXX XXXX, XXXX. Due to foreclosure all the while the loan modification was still in progress. Two more times the sale of my home was set and changed, finally the date was set for XXXX XXXX, XXXX. I was told via e- mail on the XXXX of XXXX that I needed to turn in a few more documents this just 5 days out from sale of my home. I called trying in to speak to my assigned mortgage specialist several times an appointment was even made for him to call me back once. XXXX is a day ahead of the STATES and about 8 hours ahead of XXXX. I was told that on that same day XXXX XXXX that a letter was sent to me via postal services that my loan modification request was denied. It the letter still has n't arrived on XXXX yet today is the XXXX of XXXX my home goes on sale at auction at XXXX XXXX XXXX. After roughly five months of waiting for assistance from Citibank I did not get any help and was told that if I had turned the request in earlier I probably would of had a better chance.
Global Collections Corporation - Claiming to be collection on behalf of XXXX. XXXX has not communicated with me - turned over to collections and I am now dealing with Global Collections Corporation. Refuses to send me information about their company. Has asked where I work, my other bills, and has asked me for my Social Security number. Threatened to sue me, repossess my car if I ca n't come up with a settlement payment. Not willing to work with me, and keeps asking for my bank account information along with my social security number. I am now afraid this is fraud, and my identity will be stolen. I am not sure what to do at this point. I am scared.
My complaint ; Equifax and XXXX is being negligent and their investigation is taking to long that I requested both of them to do over 2 months ago. XXXX did their investigation with in the first 30 days and removed all the improper information on my credit report which is perfect with that credit reporting agency.
My teenage daughter received a call last night, XXXX/XXXX/17 at approx. XXXX from XXXX XXXX from XXXX, asking to speak with me regarding a collection attempt of {$3600.00} for Capital One. I called the number back and spoke with someone who stated they were attempting to collect debt for Capital One. I informed them that this was a bogus collection call, that I did not have any late payments, or any problem with any of my accounts and that they were not to call my underage teenage daughter again. I then called Capital One and confirmed with them that my account was in good standing and that there were no problems with the account. They noted my account about this attempt to collect for them, and instructed me to make sure my daughter gave them no information.
The week of XX/XX/XXXX I sent validation/ verification to XXXX  , XXXX , and Transunion because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX  but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from Transunion and XXXX. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.
My name is XXXX XXXX had a car loan with chase bank I was hurt and out of work the payment fell XXXX months behind they repossessed the car on XXXX XXXX they claimed they had been looking for weeks it was in my driveway every day when they came to repossess the vehicle I willing handed them the keys because I knew on XXXX XXXX I could finally pay in full and be current again I called chase the next day on Thursday to find the total amount and informed they I will be bringing everything current on XXXX the XXXX that Friday the agent said I could only get the car back if I paid the XXXX loan in full talked to a supervisor he said the same thing and if I could not pay the full balance on XXXX XXXX XXXX I would now be responsible for the difference between the sale and balance owed that is not right I tried to avoid the situation bring the loan current now that I was back to work but they declined fine but you can not hold me responsible for the balance of the loan if the sale price does not cover it because I attempted and asked repeatedly to let me bring the account current and continue payment as agreed they refused I want them to to not hold me responsible for their decision to not take my payment and continue the loan that was their decision and it should not effect my credit
Good morning/evening, On the following dates of XX/XX/2017 XXXX  filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
TransUnion previously deleted inquiries and they were added back without notifying me in writing. According to FCRA Section 611, that is a violation of federal law. Please remove all inquiries
I had a collection on my account for 7 years on all XXXX of my credit reports and when it was time for it to come off the company went and got a judgement against me. Is this even legal?
every year i tried to get my credit report i being denied by equifax they demand photo id utility bills etc i mailed every year but no response from them
I receive multiple calls from OneMain Fin ( XXXX ) XXXX. This has been going on for a month or more. Last night I received 3 calls from them within a period of not more than 2 hours. Usually, they are robocalls and no message is left but last night, from the same number, when the answering machine picked up, a woman said she was calling from a debt collection agency. As of last check, my credit score was XXXX. I don't have any outstanding unpaid debt. These are clearly scam calls and they are a major nuisance.
I have been receiving harassing, threatening and XXXX threats telephone calls from U S Bank representatives in regards to an account and debt of {$7300.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.