WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX    XXXX   I was scammed for a mem who I met at online dating site name skout his name is  XXXX   XXXX   XXXX  who make me send some wires to different accounts and people some I send it on  XXXX   XXXX   XXXX  and  Wells Fargo  bank and  XXXX    XXXX    first one  I send it to  XXXX   XXXX   XXXX  account number  XXXX  at address  XXXX   XXXX   XXXX   XXXX   XXXX  Hi  XXXX  for {$22.00} next one was an international wire to  XXXX   XXXX  account number  XXXX  at   XXXX   XXXX   XXXX    XXXX   XXXX  on  XXXX  of {$50.00} and next one was domestic wires to   XXXX   XXXX   account number  XXXX   Wells Fargo  bank on NY  XXXX  for {$40.00} and another for {$30.00} from  Bank   XXXX   XXXX  to the same account number  I d id another wires to  XXXX   XXXX   XXXX  one from  XXXX   XXXX   XXXX  for {$10.00} to account number  XXXX  on  XXXX / XXXX /  XXXX   and another from  XXXX  to the same account for {$75.00} and another from  XXXX   XXXX   XXXX  date  XXXX / XXXX /  XXXX   to the same account number to  Wells Fargo  bank of {$140.00} and I was thinking that it was a woman but looking at the  XXXX  needs is a men but I also send on the same wee k 2 wi res to  XXXX   XXXX   XXXX  on the  XXXX  and  XXXX  of  XXXX   XXXX  of  XXXX  and another of {$110.00} that I sends from   XXXX    XXXX   XXXX  those wires one the lady resend it to  XXXX  and the second was freeze for  Wells Fargo  bank but until this date is still frozen since I talked to the lady and said that account is still freeze and after 19 months they still holding that money believe it that the money. The money that was deposited it was fake deposit and   XXXX    XXXX   XXXX  let me used that money and when it was reversed was against my equity line of credit and now my equity line of credit is bigger than the valued of the property   XXXX    XXXX   XXXX  said that they are working on this case but is almost 2 years of that
XXXX XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX claims to have a valid transfer / assignment to our mortgage loan that complies to the National Mortgage Settlement Agreement. The allonge previously provided has an incorrect property address and does not contain the legal description of the property.
I have received a letter from XXXX XXXX XXXX XXXX stating that I owe them {$4200.00} for a Providian bank credit card. I was involved in a class action lawsuit that erased this debt and I received a payment from Providian.This was in the XXXX. Even if this is mine from Providian it is well beyond the statutes of limitations, and made invalid because of the deceptive practices employed by Providian Bank, So with that said I believe this is a violation of the FCRA or at the least a violation of Oregon State Unlawful Debt Collections Practices act. In order for a collection agency to collect debts from an Oregon resident the company must be registered and licensed by the state of Oregon, which this company does not posses, Therefore XXXX XXXX XXXX XXXX is not entitled to to collect OR attempt to collect ANY debt from myself.This action alone can result in severe statutory penalties by the state of Oregon.If this company has reported this to any credit reporting agency, this could constitute fraud on the collection agency 's part under both federal and state laws. This has been on my credit report in the distant past but has been removed due to the class action suit. This item has been bought and sold many times over the years and I am sure it is just cobbled information packaged to appear that it is a new debt by this company or and others. If they continue with this, then I am very happy to see them in court here in XXXX County Oregon. I do not believe that anything this company professes to hold can stand up to the scrutiny of a court room. This attempt is illegal on many front 's and I am tired of desperate companies trying to scam me and I am prepared to see them in a court room, in fact I ask for it. In short this company is in violation of both federal and state laws and I want this to cease. I am writing a letter to my state AG and the state of NV 's AG as well. I have looked this company up and they have an XXXX rating with the XXXX and there is at least XXXX complaints on rip off report, this company is an obvious scammer. On XXXX notes, concerning them, there is pages of complaints about this company and their attempts at scamming people across the nation.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
After starting a refinance application with Quicken [ Id. XXXX ] I decided not to continue with them and notified them to that effect on XX/XX/XXXX requesting that they send me a copy of the appraisal for which I had already paid and terminate my application. They have so far not done this. They chose to harass me with repeated phone calls so I eventually blocked their numbers ; they mis-transcribed my email address and then claimed I was using wrong address so they could n't deal with me. Eventually I told them either send me the report or return my money by end of XX/XX/XXXX or I would make a complaint, which I am doing.
I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
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, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
I am having a problem with Equifax removing a collections account from XXXX XXXX XXXX. It was removed from XXXX over 6 months ago but Equifax refuses to remove it after multiple dispute submissions. The creditor is XXXX XXXX who also said they would not hold me responsible for the account when it was made.
My name is XXXX XXXX and my address is XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX Early this year I have closed my account Checking Account XXXX and my Overdraft Line of Credit account XXXX with Citizens Bank. XXXX XXXX XXXX XXXX, XXXX XXXX It took a while to ascertain that all the balances were XXXX before the account was closed. I never received a written confirmation of the account closing. 

In early XXXX I noticed that Citizens bank reported a 30-day past due balance on my account which significantly dropped my credit score. I reached out twice to the Citizens ' customer service with the rep always assuring me there's no balance one my account  and that they are not sure of the origin of the adverse credit report information. 

When I finally got on the phone with a more senior rep named XXXX and can be contacted at XXXX, I was informed that I somehow have a {$7.00} balance on my account and since I have no account with them, I can not get a bill - neither in the form of a letter, or a phone call or an email. And the late fees are accumulating, and the fact that I am not paying is leading them to report to the credit agencies.
I received a call from XXXX XXXX around XXXX XXXX, contacted them back to hear they are a 3rd party attempting to collect for XXXX XXXX XXXX. They stated I need to contact XXXX XXXX XXXX corporate office and speak to head person in legal. Contacted XXXX XXXX XXXX local office and corporate office they indicated they given my account to collection and sent to another company not XXXX XXXX. I contacted XXXX XXXX to verify who has my case as I was inform I might be dealing with fraud. Spoke with director of United about issue, he requested personal info I stated I will give any, he then began to call me stupid, and became irate. I informed him that I have already had issues with ID theft and have active investigations into that, gentleman called me a bum and hung. A few hours later I received I received call from same gentleman this time his personal phone number left voicemail stating, '' my case is being processed, and that I am a liar, and a psycho to not contact that office again as I did not follow the chain of title and not very smart.
I recieved a letter from XXXX XXXX dated XXXX XXXX 2015 stating that they 're informing me that they have cancelled the following account from their active collections files and are removing the account from their credit file if it was listed. Client name XXXX XXXX, Account # XXXX, date of service XXXX, balaance {$2000.00}. Signed from their collections department. I kept this letter in my personal records until last week when i tried to get electric services in my name at my place of residence and i had a outstsnding balance for {$2000.00} XXXX referred me to indentity theft.gov which they referred me to consumer finance.gov. when i called online collections they told me they had no record of this on file at all but i clearly have sletter from them stating this information!!!!!! # #
There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy sent to me per credit law. Otherwise please have it removed upon receipt of this official notice. This is something that was randomly attached and Now I must suffer with it. Please have this removed.
I could not afford my student loans when I got out of college in 2010 because I could not find a job despite applying for hundreds. When I first got into college I had grants and federal aid but had to apply for the rest through XXXX XXXX privately and got a loan at about 4 % inrerest. I did n't even know what interest was as a XXXX year old high school XXXX! As the years went on, they gave me a harder time getting student loans and by the end they were at 10, 11, 12, even 13 % interest rate!! How can anyone charge so much for an education?! It is so criminal! Navient took over my loans and I had to file for forbearance for multiple months before I finally got a job. Once I got a job, o still could n't afford my payments so I called in and they lowered them! I did n't realize it but I was paying interest only for the last two years and barely able to afford it at $ XXXX/month for only my private loans. This past XXXX my interest only payments apparently ended and they payments have gone up $ XXXX/month to now $ XXXX/month ( again only my private navient loans, I also pay federal and dept of education loans ). I have begged them to lower my interest rate so I can have a chance of even getting close to paying them off! I have called and asked them to do income drive repayment plan but I make {$48000.00} a year and apparently this is too much! However, this is before taxes and does n't take into account my mortgage, car payment, gas, lother loans, food ( which I can barely afford ). I have been with my boyfriend for 8 years and want to get married and start a family more than anything in the world but I am afraid I will never be able to due to the criminal behavior of navient and XXXX XXXX! I have tried to consolidate through other companies but thanks to the interest rates my debt has built up so quickly I do n't get approved! Other than forbearance, I still find a way to make my payments every month while I fall behind in everything else. My education should not be ruining my life like this.
Am an american express membership rewards member. Upon attempting to transfer points to XXXX XXXX  on saturday XX/XX/2018, the following message was received : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Called customer service same day, which did not resolve the issue. Could not give a time frame of resolution.
I am a victim of ID Theft and I have been trying to improve my credit file. In my file I have collections with Navient, when I asked for all of my loans to be placed in consolidation. Now I have all collections until a company opens up the collections. I also have accounts from XX/XX/XXXX and XX/XX/XXXX negative items, how long does it take for them to be removed? I have had an several inquiries that I have questioned with Navient.
A phone number ( XXXX ) keeps calling for me asking for someone that doesn't live there and have never lived there. The name they are asking for is different from my last name. 

I have told them, the person that they are calling for doesn't live there and please stop calling. They call several times a day. This has been going on since XX/XX/XXXX and I have asked them 3 times to stop calling.
I disputed inaccurate information being reported on my Transunion Credit Report. The investigation came back as verified. The credit bureau recommended I take it up with the creditor. I sent a letter for Verification of Debt to Applied Bank at the address listed on my credit report. The address listed for Applied Bank on the Transunion Report was : XXXX XXXX, XXXX XXXX, FL XXXX. I sent a Certified Letter, Return Receipt Requested to Applied Bank and the Post Office replied back with " Undeliverable ''. According to the FCRA, if there is inaccurate information on my report and unverifiable, the item must be deleted from my report. I submitted the information to Transunion by certified mail and they opened a new dispute. When I called them, I explained that if the information on my consumer report is inaccurate, it must be removed. They declined and insisted the Creditor has the right to " correct their error '' and update the information. I believe my rights under the FCRA and FDCPA have been violated causing me embarrassment, lost credit opportunities due to both Applied Banks inaccurate information on my right and Transunion 's reluctance to follow the law. I would like this investigated and enforced. I am filing a law suit against Transunion and Applied Bank for Violations of the FCRA and FDCPA. Thank you. XXXX XXXX XXXX XXXX
I have tried numerous times t o reach OCWEN to be told that I have to wait on hold for a number of callers in front of me. When my turn arrives, the automated system disconnects my phone call. I regularly wait in excess of 50 minutes, just to be disconnected. Today, I waited 53 minutes to be told by a recording that the offices were " now closed '' even though  it was  XXXX  and the recording said the office hours were until  XXXX .
This agency has been calling my home every other day leaving messages and threatening to look up my job info if they donot hear back from me and other threatening tactics. I have send a cease communication letter in writing XXXX/XXXX/15 asking to only be contacted by mail, they have since called again on XXXX/XXXX/15 & XXXX/XXXX/15 leaving messages.
I had my credit report pulled at a dealership for a vehicle loan and there are 5 individual hard inquiries with different dates listed on my credit report now. I authorized the dealership to run it once in order to find a good loan. Im concerned with identity theft since my credit was run on two separate dates. I have one hard inquiry from XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX even though I only authorized my credit to be pulled by the dealership on XX/XX/XXXX. XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX are the other hard credit inquiries on XX/XX/XXXX. I was under the impression that the dealership running a hard inquiry for a car loan would only count as a single hard inquiry since it was done on the same day for the same purpose.
XXXX XXXX XXXX has been calling my home multiple times per day for the past 2 months. I have asked them repeatedly to stop. Some representatives have hung up on me. Others have yelled and cursed at me. One representative told me right out that they would continue to call despite my request to stop the calls. The calls start first thing in the morning and continue right through the night. I submitted a cease and desist letter on their website advising them that I would take legal action if the calls continue. They still continue to call multiple times per day. Something needs to be done.
On XX/XX/XXXX, I called Freedom Mortgage customer service to inquire about the PMI for my converntional mortgage. I explained that I'm closing in on 80 % LTV and that I'm confident that if I had my house appraised it would appraise higher than the initial value and push the LTV below the 80 % mark. They looked into the account and then instructed me to send an email to customer service to start the process. After submitting the email I received a letter in the mail stating the steps to complete the appraisal of my house and the conditions that had to be met. In this letter it clearly states that the appraisal must demonstrate a Loan-To-Current-Value ration of 80 % for loans aged greater than 5 years. 

The appraisal resulted in the following : Sales Comparison Approach : XXXX Cost Approach : XXXX The conservative value of XXXX was used as the official value of the appraisal which placed the LTV at 77.01 %. 

I received a letter on XX/XX/XXXX stating that after a review of the account, the request to remove PMI was unable to be approved. The reason being that a LTV of 75 % was required. I have made four calls to customer service to gain clarity on what the requirements are and also to understand what the age of my loan is. Neither question could be answered satisfactorily. From my point of view the request was denied with a stated reason that contradicts the attached letter stating the requirements. When I asked to speak with someone that has knowledge of how the PMI requirements work I was told that they do not take calls and there is no way to contact them. 

In addition I have completed 70 payments on my mortgage promptly and in excess. The best answer I have received to date is that my mortgage is not greater than 5 years ( first payment XX/XX/XXXX ). Proof has been shown that value of the house has increased and I have excellent credit. I have tried to explain to Freedom Mortgage that my mortgage being 70 months old is actually greater than their requirement of 60 months but they disagree. 

As a consumer I should not be billed for unnecessary private mortgage insurance. 

Thank you, XXXX
Multiple requests have been made to MIDWEST RECOVERY SYSTEMS , LLC for p roof of debt required by federal law, but the company has refused to submit proof in writing. They continue to report a  7 year old  debt to credit reporting agencies, but they will not provide verification.
I had received a medical bill from XXXX XXXX hospital, service date XX/XX/XXXX for {$2700.00}, It had been sent to United Collection Bureau Inc. XX/XX/XXXX.ref #  XXXX. I had set up a payment plan with them starting XX/XX/XXXX, of at minimum $ XXXX/mo. paid XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}, XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. 1XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$200.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- not written down?, XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. 8/18- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$50.00} XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00} & {$50.00}. 
for my last payment of {$79.00} I was no longer able to pay this account online. said i needed to call to re-register. so i called the number and they told me the account was no longer with them it had been sent to an attorney. (? ) they said they could not discuss the account with me or the schedule of payments that had been made. gave me the number for the attorney, XXXX, XXXX, XXXX XXXX XXXX. the person i spoke with there said they had just received the file XX/XX/XXXX- 2 days before my due date. and to pay online or over the phone there would be an additional fee. also stated there was an additional account with them for me from a radiology company for {$230.00}. I have no idea what this would be. she also gave me the file # to reference when sending a payment, File # XXXX. 
But my complaint is that i had been paying on this as well as 5 other medical facility bills and with the last payment they transfer it to another company so it will be again reported on my credit as a new account. when i had been paying and ready to pay off- for one i had no notice written or otherwise that this was going to be transferred or i would have paid it off prior to the transfer. I am sure this happens a lot to others as well and it is not a fair thing to do when a consumer is actually trying to do the right thing in paying their debt. I am familiar with the credit bureau rating on these accounts as i watch my credit often. And a newly reported collection does not fair well on ones credit report/scores. it is bad enough that once it is reported and you start paying on it your credit takes a hit every month just because there is activity on a collection account. but to have these companies transferring the debt all the time to report as new debt is not a Fair or right thing to be doing. I appreciate your assistance in resolving this issue. I would be able to pay the debt if they would stop adding additional fees, and transferring it to places without notice.