WillisBack/dataset-financial-user-claim huggingface dataset:
The Phoenix Recovery Group reported my account to the credit bureaus without sending me any notification of the account. After contacting XXXX, The Phoenix Recovery Group then contacted me for the very first time via emailXX/XX/18. The collection notice that they had sent to me had the wrong address, hence the reason I never received it. The original creditor noted on the collection notice also sent the bill to the wrong address. The Phoenix Recovery Group stated in the email that they would report the account as disputed to the credit bureaus. That never happened. My credit score took a hit from this. I was never given an opportunity to dispute the account before by credit score was ruined by Phoenix Recovery Group.
XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX -- XXXX B B XXXX   XXXX XXXX XXXX XXXX -- XXXX B XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX PLEASE REMOVED DUE TO FRAUD Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
The company that is responsible for providing my credit report can not verify my identity when I try to use their online service to request a credit report. After entering my information this message comes up 'We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. ' If I can not get through their system, how reliable is the information they hold about me and provide other organizations who may be running enquiries about my credit? 
How do I know enquiries on my name are actually about me if they ca n't event get my identity right? 
The only option to get a free credit report is to mail them personal information to a XXXX. This looks like a sure plan for identity fraud. Fortunately, I have some time on my hands so I will be taking it further with all the relevant federal and state agencies. 
Identity requirements from their website : 'Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security Number W2 form Address Driver 's license Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) '
After the XXXX  Security breach, I decided to freeze my credit, which was free from XXXX and XXXX but TransUnion charged me {$10.00}. I am now looking to temporarily lift my credit freeze to apply for a new card and I am being charged again for a temporary lift from TransUnion for {$10.00}. I understand {$10.00} each time is not a lot of money but I find it to be morally unethical for a company I did not choose to use making money off my information being stolen. I would love to not have a security freeze on my account but given I received confirmation that my information was stolen during XXXX XXXX security breach, I would rather be safe than sorry. Not only do I find XXXX XXXX business practices appalling considering I can not change my social security number and will need to have a security freeze for the rest of my life, I find it even more appalling that it is not illegal for these companies to make money off me. I'm not a victim of identity theft but I kind of am. Why am I paying for this when I did nothing wrong?
The account is Syncb/XXXX XXXX, the primary account holder filed bankruptcy and i was never notified about this account never owned an XXXX XXXX card or account and i have never bought any furniture 's from them. when i call them and given my information they have no record of me, they keep switching me to different departments. this account shows closed/derogatory/revolving on my XXXX credit report. i disputed this account on XXXX  and XXXX and has been removed from my account. i have disputed this account thru XXXX and nothing has been done. all i need is help am trying to by a home and this one account is not helping at all, it shows as closed but is still impacting my credit i would like to get it removed completely. so far no one has been able to answer my questions or even help.
I submitted a letter t o Credit Plus inquiring ab out an inquiry on my credit report that I have no knowledge of. I received a response that stated I authorized  XXXX   XXXX   XXXX   XXXX  to pull my credit. I have NEVER applied for a mortgage I have no knowledge of authorizing this and asked it be removed from my credit report.
I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
On XX/XX/2018 I did submit an application to open one ( 1 ) credit card account ( to get a discount on service ). 
The merchant told me that there was an issue with the computer/application process, and the application did not get transmitted. 
On XX/XX/2018 I received nine ( 9 ) XXXX  credit card in the mail. 
These Cards are issued by Citibank N.A. 
I am in the process trying to canceling all of them. 
I want to insure that my information is purged from Citibank 's system, that it does not " share '' my information that all the cards are closed, and that there are no other accounts open ( and will be no additional accounts opened ). 

Additionally I would like to know the reason that the multiple accounts were opened and by who.
On XX/XX/XXXX, I settled through short sale my first mortgage ( # XXXX ) and second mortgage ( # XXXX ) with Bank of America ( supporting documents are attached ). 
However, Bank of America forwarded my second mortgage to a collection agency called XXXX Mortgage. On XX/XX/XXXX, I sent XXXX a certified letter letting them know that they were collecting on a settled debt ; however, XXXX continues to harass me with letters and has reported me delinquent to all credit reporting agencies. Bank of America needs to update their records regarding my loan and notify XXXX that I have no outstanding payments or delinquent since this debt was settled with Bank of America on XX/XX/XXXX.
I won my claim and netspend is making up reasons why they are taking so long to return my money. My SSI payment from XX/XX/2018 they said 5 to 10 business days that's a lie .I want my money.
XXXX XXXX XXXX irs breach have ruined me please have them remove the inaccurate accounts
I signed up for an account in XXXX with bbva. When I opened the account I called to make sure the bonus would be sent and agent verified I would have it by the end of XXXX .I have called several times to inqore why I havent seen the promised sign up bonus. All requirements have been met. Secured emails have gone unanswered and no bonus has posted
Had a  Chase cre dit card for several years when Chase Bank closed my credit card account despite no missed or late payments, which also erased rewards points on the account. The account was closed in  XXXX  and would not be reopened even after repeated ca lls to Chase cust omer service.
After two request XXXX and Transunion refuses to respond to my request for my credit reports. My requests were dated XX/XX/2018 and XX/XX/2018 respectively ...
I HAVE HAD ENOUGH!! I KEEP GETTING CALLS, NASTY CALLS FROM THIS XXXX COMPANY AND I KEEP TELLING THEM THAT THE ACCOUNT IN QUESTION IS NOT MINE. I HAVE ALREADY SENT THEM XXXX LETTERS STATING THAT THEY NEED TO STOP, BUT THEY HAVE NOT OBVIOUSLY.
In XX/XX/XXXX I began getting calls from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, GA XXXX  ph XXXX E-mail : XXXX Website : XXXX ) and they were trying to collect a debt from a XXXX XXXX and Mrs. XXXX. I complained to them that ph # XXXX  belonged to me and has been my number since XX/XX/XXXX. After filing a lawsuit on XXXX XXXX XXXX through XXXX XXXX XXXX , XXXX, they agreed to stop calling me. But in turn XXXX XXXX XXXX sold my personal information to D2 Managent ( XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX ) who has been calling me to collect a debt.
HSBC BANK Acct # XXXX Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.
XXXX XXXX received payment of {$290.00} from the federal government onXX/XX/XXXX,  from a deposit made onXX/XX/XXXX. XXXX XXXX then held the funds untilXX/XX/XXXX before releasing to customer. Banks are required to pay interest on monies received and held before release so banks are discourage from floating funds received they are unreasonably holding from customers. It is the responsibility of banks to know when funds clear, and then to release those funds or compensate customers fairly for holding funds for profit. 

I would like to be compensated fairly for XXXX XXXX negating their banking responsibilities ; responsibilities they not only have to me but have to their other customers as well, and when given class action status would be a substantial amount.
I do n't know what happened to my account I had money in and after I left my job I went back to school. I looked into my account and it was negative I do n't see how and I had at least XXXX dollars in it I never got an explanation saying why. It was closed with a negative balance.
I applied for a loan modification or other options to avoid foreclosure, but was denied help. My lender said I did n't meet the qualifications for help
I had sold my home, which had a loan serviced by Wells Fargo Mortgage in XXXX of XXXX. The person I sold it to had fraudulently misrepresented himself and did not pay off the mortgage. When I realized what had happened, I contacted Wells Fargo and reported the problem. They said they would look into it. A few months went by and nothing had happened. I then found out the FBI had arrested the " Buyer '' and charged him with mail fraud, related to the scamming of dozens of homeowners out of their homes. I contacted the XXXX and gave a statement, in which I was then entered as a victim to the crime. During this process, I was passing all of this information to Wells Fargo, XXXX Office of the President. Many more months went by, where Wells Fargo claimed they were looking into the issue. 

Finally, In XXXX XXXX, Wells Fargo made a determination. Unfortunately, they determined that the case was not related to fraud. I had asked how they made this determination prior to the courts and no response was given. 

In XXXX of XXXX, I received a copy of the judgment and restitution for the XXXX. A judgment was issued to Wells Fargo for the balance of the mortgage to be paid by XXXX XXXX. I spoke to the Victim Witness Coordinator who also sent a letter stating that I was not responsible for XXXX actions. 

After receiving the documentation, I contact Wells Fargo again and asked them why they foreclosed on a house they received a judgment for. That was in late XXXX, XXXX and it is now the middle of XXXX, XXXX. More than a year of asking Wells Fargo to look into this issue and nothing has happened, except for the destruction of several families lives and credit.
Lord and Taylor credit service is after all these years just now charging XXXX interest rates on its store credit card balance.
I was late in paying a statement balance. The next day I paid the full " statement balance '' not the current balance. I was charged a fee and interest ... .no problem. the next billing cycle I was charged interest again even though that statement balance was paid on time. When I called Chase XXXX. I was told by XXXX different employees that this was the correct fee but they would try and waive it. I finally spoke to the super. and they admitted it was a mistake and they removed the fee. she said the " interest was not suppressed even though I had paid the full statement balance. I suspect the computer algorithm is erroneously charging many other Chase customers.
I received an alert today that my account balance with Midland Funding LLC went from {$1500.00} to {$1500.00}. This debt account was opened on XXXX XXXX, XX/XX/XXXX according to my credit report. Upon further research, this company has pulled my credit information several times but continued to send all mail to an older address since XX/XX/XXXX All of sudden they have my correct address in XXXX XX/XX/XXXX, and they obviously did not get it from me because I never heard of them until XXXX XX/XX/XXXX when I was summoned with a XXXX XXXX from the XXXX 's office. I called the XXXX XXXX a few days later to see when the mediation order was set up by Midland. The clerk told me that Midland had yet to set up a mediation at the time, and that I would be contacted soon they did. In XXXX XX/XX/XXXX, I received a Plaintiff 's XXXX Request for Production of Documents and sent the documents back to XXXX XXXX who was the person contacting me from XXXX XXXX XXXX. As I stated earlier, I have not heard from this company since then and got an alert today on my credit report that Midland Funding LLC has added additional fees when I have not heard from them in over a year. My affidavit shows a lower amount than what they are trying to collect from me. This was a charged off account, and I have not heard from this company since XXXX XX/XX/XXXX
When I first got moved from XXXX XXXX to Navient, they lead me to believe that a sub-prime loan was the only option that I had. Since I graduated from college in 2012, my loans have almost increased over 30 percent. I recently received an interest addition of more than $ 10K for the last year. I feel that I was railroaded and made to believe that this was the only option I had to better myself. I now have almost $ 80K in loans from navient. The way the loan was structured and the amount of the interest the loan adds, never gave me a chance to be able to pay off this loan. This loan was given to me with the sheer intent to make me pay more interest on an already unmanageable loan amount.
I have submitted XXXX packets of information to Wells Fargo to help gain a loan modification back in XXXX XXXX.I have been working with XXXX XXXX XXXX and this was to be a two week process and it is now 5 months. Wells has continually asked for the same information XXXX times and there has never been a resolution.
I originated a loan with Suntrust Mortgage XX/XX/2005. I have been paying my mortgage consistently since XX/XX/2005. However, of my payments are not being recorded effecting both my credit rating and interest rates. Although, I am able to provide receipts from Suntrust of paid payment, the payments are not reflecting on my statements.
I mailed TILA Rescission Letters on XXXX XXXX, 2015 well after the XXXX unanimous XXXX decision. Now, more than six months later, I 've received absolutely no indication the companies are attempting to comply. The only possible reason the companies could assert is that 3 years passed after closing and my TILA Rescission Letters were sent after that date. The TILA law stipulates that remedy is available after the " consummation '' of the loan transaction. I submit that my loan transaction was " table funded '' which is in violation of " Regulation Z, '' predatory per se, and void ( not voidable ) from the beginning at the closing table. Simply signing disputed documents does not constitute a " consumated TILA transaction. Additionally, the interested parties have far exceded the statuatory period to lodge a court case to contest the validity of the certified delivery TILA Rescission Letters that were delivered and signed for in due course. 

This complaint constitutes my demand for TILA compliance. 

I mailed TILA Letters to XXXX Investment and Loan ; XXXX XXXX XXXX. Trustee and Successor in Interest to XXXX Investment and Loan ; and Deutche Bank National Trust Company, Successor in Interest to XXXX Investment and Loan. 

These latter XXXX parties were notified Re : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX. 


My loan number associated with the original XXXX transaction is # XXXX. 

The loan number associated with XXXX XXXX is # XXXX. 

The loan number associated with Deutche Bank is # XXXX. 


The property address used by all these parties is XXXX XXXX XXXX, XXXX GA, XXXX. 

I 've received proof of delivery from all but XXXX ( which was returned as " Undeliverable -- Forwarding Address unknown. 

Please register this complaint against all " Lenders and Assignees '' and require proof from each they are in strict compliance with TILA and also proof they are not entities involved in a TILA prohibited " Table-funded loan. '' It 's my desire to affirm my clear title to my property and for all parties who can not prove they are holders of the original note received " In due course '' to legally indemnify my ownership and absolve me of all other claims.
I have gone to this company ( Easy Money ) in XXXX, Tn. XXXX about my account. I took this loan out on XXXX XXXX, XXXX, I have been making monthly payments of {$170.00} or more each month. The amount of money that I received was {$900.00}. I have asked the manager at this store about why is balancing going up each month. I have paid on this account $ XXXXWhen I got this loan, it was told to me that the loan would be for 1 year. I received a statement that my balance is still {$910.00}. I did not make a payment on this loan in XXXX, XXXX because I had paid on it for a year. I went to the store and talked to the manager in XXXX, XXXX about this. she told me that I would have to talk to the Corporate Office, I asked for the phone # for the Corporate Office but she said that she could not give it to me. I went back to the office on XXXX XXXX, XXXX and I complaint to one of the associates, she then gave me the corporate Office #. I called the office but I could not get any resolution in talking to one of the customer service rep.
I have a business checking account with U S Bank for more than 10 years.The bank CHARGES EXCESSIVE FEES at the expense of the struggling, hardship and misery of a small businessman like me..I ask them to help me to process credit card transaction on my place of business last XXXX XXXX. After 9 weeks of no activity, people are not buying or spending anything and no transactions on credit card machine, I inform the bank that I can not continue to operate at loss every week, told them I will be GOING OUT OF BUSINESS. The bank told me FOR THE FIRST TIME after 9 weeks, that the credit card machine contract is NON-CANCELLABLE..The bank should have told me that from beginning. Deceiving and un-ethical. The bank told me I have to continue paying the LEASE @ {$43.00} a month even though I am going out of business and no means of income from my business..The bank know from the beginning, I keep them inform every week for 8 weeks, that I am losing money ... It is deception on their part, unfair and un ethical. I bank with them for more than 10 years..Please help me to stop them charging me {$43.00} /month, and cancelled the lease. I also tried to talk to the manager of the branch, but the manager refuse to help me resolve the problems.. Thank you. XXXX XXXX XXXX