WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX OLD XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
I do not owe the amount that this company is trying to collect from me. I get government assistance for my child care and I have submitted receipts to the owner of the facility and now since no response or contact from her in over XXXX months it was sent to collections in XX/XX/XXXX. I have disputed this debt from day one of me being notified via mail and nothing has been done to correct my credit report or the amount being collected. I have reciepts from the state along with invoices from the provider and my year end statement from the provider that proves I do not owe XXXX that is trying to be collected from me. Every time I try and get a status on this debt an employee named XXXX has refused to provide me with any information on the account and says that I still need to submit proof which I have done. XXXX is the only one that has refused to provide me any information on my case and when I get a " supervisor '' on the line they promise to ask for itemized statements and get back to me which it is now almost XX/XX/XXXX and no update and the promise for itemized statements still is being said but nothing has been sent to me in regards to any thing. I really need help dealing with this company because I can not get any information when I try and contact them because of the employee who answers the phone named XXXX.
On XXXX XXXX I contacted Moneygram to see if it was OK for me to send money again, as they had cancelled a trasfer a few months ago. I was told it was now OK. I sent {$1000.00} to the XXXX on XXXX XXXX. When she went to receive it, she was told I had to contact the company. I contacted Moneygram and they said they declined to send, and I should return to get a refund. 

On XXXX I went back to Walmart and was told it was over their limit and did n't know where I had to get the money. 
I called Moneygram and tkey told me I had to go to the XXXX Currency Exchange to get the money on the other side of town. 
On XXXX XXXX I went to Currency exchange and was told that the computer said that I had to go some place else to get a refund. 
On XXXX XXXX from the currency exchange I contacted moneygram and was told I need another reference number, which their agent XXXX provided, and told me to go back to walmart to get the monmey. 
On XXXX XXXX I returned to Walmart and gave them the new number. They said the computer would not allow them to refund my money. 
Walmart called moneygram with me present and I spoke to XXXX. He said that I had to go back to the XXXX Currency exchange to get the money with the new number. I asked if he knew XXXX who told me to go to Walmart, and he said No. 
I asked him how do I get reimbursed for my time and mileage. He is in XXXX or someplace and had no idea what I was talking about, and responded I needed to show my driver 's license. 
Finaally, I returned to the XXXX currency exchange on the other side of town and was refunded my money. This all took many hours and wear and gasoline and wear and tear on my car, all because they are incompetent.
Item XXXX : The most recent payment history that I received from Ocwen on XXXX/XXXX/2015 shows significant variances in the principle balance over a very short period of time. Example of the variances are as XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX $ XXXX XXXX : Escrow balances on the payment history shows significant balance variances all shown on XXXX/XXXX/2015 of the report. The balance varies from a high balance of {$3600.00} to a low balance of {$560.00} all in XXXX day. The variance is {$3000.00}. Payments in the amount of {$1800.00} were made out of escrow for property taxes and home owners insurance payments. 
A reasonable person examining the payment history that Ocwen provided would not be able to determine whether the account balances on the mortgage are correct. 
The payment history provided by Ocwen reveals numerous accounting irregularities suspense adjustments, account balance reversals and variances that are not standard accounting practices or simple clerical errors and may constitute violations of both RESPA, CFPB rules and laws, or fraud. To date I have been unable to obtain satisfactory responses to my Ocwen complaints from the Ombudsman, Relationship Manager, or any entity within Ocwen.
I have tried to get my free credit report from Experian and am unable. Their website directed me to a phone number. The automated phone number led me through a series of menus, but none of the options were related to getting a copy of my credit report!
On XX/XX/XXXX and XX/XX/XXXX someone made 2 hard inquiries with my info to MoneyLion. On XX/XX/XXXX a {$600.00} line of credit was issued to that person. I check my credit every week online and i promptly reported this with ML and the bureaus. As of today XX/XX/XXXX ML still had not reported the fraudulent account with the bureaus. I need both inquiries AND the fraudulent account to reflect my credit accurately. I spoke with XXXX  at ML and XXXX at XXXX  today and they may be working on it, but I have had an additional two months of inaccurate scoring and i am trying to get a HELOC and all this nonsense is holding us up. There is no reason this should still be ongoing. The glendale police has already provided affidavits, etc. It has already been proven as fraudulent yet my scores and reports are not corrected. Also, if an account is found to be fraudulent, why does the consumer have to babysit the INQUIRIES? It is obvious that if the account is fraudulent then the inquiries that got the account open are also fraudulent. I am not happy that the info given to ML was so inaccurate yet they approved the account. the person who used my SSN and name and address used a FAKE phone number, FAKE email, FAKE work name and FAKE work number. If ML had done due diligence to check these things then the fraudulent account could have been prevented. and i would not have to keep making sure it is correct.
I found out I was part of the equifax breach. My credit score keeps dropping, but I have no late payments. I did not sign up for their free credit monitoring or anything. What are my options. I would like to sue them for this. Please let me know. 

XXXX
OnXX/XX/XXXX AND THEXX/XX/XXXX XXXX XXXX XXXX, and, EXETER FINANCE CORP, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX  and XXXX  credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX  which is located at XXXX XXXX XXXX XXXX XXXX XXXX NV I called and spoke to the manager no help there.
This collection agency is alleging I owe a debt. I have never received any letter from this company and I do not know how this collection agency retrieved my personal information.
I have no knowledge of william and fudge debt and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me
Dear Sir/Madam : We are now facing foreclosure process from our home mortgage lender as of XX/XX/2015. Our home equity loan with " OCWEN '' has matured as of XX/XX/XXXX, and full-payment of $ XXXX is now due. I was only notified by Ocwen over a phone call, after the maturity date. No monthly statements was sent to us prior to the maturity date, ( see exhibit # XXXX : of last mail received to the correct address ). Ocwen said, it was because we did not give them the correct mailing address. During that time, I was told I could ask for a modification on our loan. So immediately I had provided full supporting documents & applications to Ocwen. It took Ocwen about 1 1/2 month later, on XX/XX/2015, just to deny our application. The reason for denying, is that the loan has already matured. But why would they have me go through this process, when they knew it will not get approved. But during this period of time, I was also working diligently with a mortgage financing company to get a 30 years fixed loan approval and pay of Ocwen. But we encounter an error on our credit report, that must be addressed prior to getting the loan approved. Now we are waiting for it to get updated on the XXXX credit bureaus. 

While I was getting a new credit report, I discovered that Ocwen had already submitted to our credit reporting that we were late on our payment. Technically we are still making payments to Ocwen, but they returned 2 of our last monthly payments. It 's not late, we did not miss any periods, the loan is matured. 

The new lending now tells me that there is nothing they can do to get us approved, and no other banks will approve us neither, due to this late payment reporting. we can not even sell our property, because Ocwen will put a lean on our title. Now we are faced with losing our home. 

I have faxed Ocwen to ask for postponement of the late reporting just so we can get approved, but I have very little confidence Ocwen will help. I suspect they just want to take our house. 

Please help us, we are desperate for help. We have never missed a payment.
Freedom Mortgage acquired my loan, which was originally held with XXXX. While my loan was held with XXXX ( from the start ) I had automatic withdrawal set up on my account. My payment history was impeccable being that the payments were on auto withdrawal. Unfortunately, when the acquisition of my loan took place ( from XXXX to Freedom ) XXXX cancelled my automatic withdrawal. This cancellation caused my loan payments to default. 

Details I had no idea the acquisition of my loan took place, and I also had absolutely no idea the automatic payments were cancelled. Up until XX/XX/XXXX I was operating under the impression everything on my loan was the same as it had always been. I ONLY became aware my loan was in default because I received an alert from XXXX credit bureau stating my score had dropped over 120 points ( based on missed payments from this loan ). Upon receiving the alert from XXXX I called the number provided on the credit bureau, which is when, I became aware XXXX no longer held my loan. Once getting in contact with Freedom Mortgage I was able to sort things out. I immediately paid the outstanding balance, and brought the account current. 

Some facts regarding the failed communication need to be put in consideration. I moved out of the property XX/XX/XXXX. Upon moving I had a savings account ( outside of my other personal and business accounts ) set up for this payment. At that time everything on my account was as it should have been excellent payment history, auto withdrawal was in place etc. The fact I had a separate account for this loan is the reason I didnt notice the payments had stopped. Furthermore, due to the fact I no longer lived at the property I never once received a letter or call relating the loan acquisition/cancellation of my autowithdrawl for payment. See attachment for communication notes your representative provided me. Per the notes in the attachment youll see mail was listed as returned to sender and there was no contact made via phone- they had multiple wrong numbers and called them multiple times. Again, had there been any communication this wouldnt have happened. Ive also attached my credit report to highlight the negative reporting that needs to be removed. This horrendous scenario is product of failed communication due to a business acquisition ( Freedom Mortgage and XXXX ) I had nothing to do with. My credit was XXXX prior to this incident, and now Im facing potential business hardships with the drop in my credit.
HSBC/Beneficial or the XXXX XXXX lied to the Consumer Financial Protection Bureau, stating that they weren't trying to evict me. They provided such a response to this Office XX/XX/XXXX. Began filing subsequent eviction suits against me UNDER SEAL XX/XX/XXXX, and XX/XX/XXXX. They used an unqualified foreign corporation as the litigating party, XXXX XXXX XXXX, XXXX. Wrongfully obtained an eviction order XX/XX/XXXX. The Illinois Business Corporation Act bars such corporations from filing suits in an unqualified state ( See XXXX XXXX XXXX ). The corporation prevailed even though fraud was present in its notice/demand and its motion for summary judgment was unsupported by contravening evidence. The mortgage on my home was satisfied and released, and the foreclosure suit was found to be unauthorized by the Federal Government. Attorneys are reluctant to assist me with the eviction suits because they are sealed. They can't look the cases up from their office. Through XXXX XXXX XXXX XXXX, this corporate has also caused to be recorded a false and fictitious quitclaim deed against my property XX/XX/XXXX. HSBC is seeking to take my home using forgery or theft by deception.
I am making a dispute agains t Pinnacle, LLC in a  response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practice s ACT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request  for VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repor ts (   XXXX ,  XXXX , and  XXXX   ). Th is action constitute fraud under bot h Federal and State Laws.
Received a call from XXXX XXXX. The entire Message is as follows. This is an investigation into ( MY Name ) I need to speak to him of his representing attorney Have him call XXXX in the mean time I will try to leave messages with ( my mother, my wife, my ex-wife, my sister, an unknown person, an uncle I have n't seen in XXXX years ). My wife called him and he said he was looking at our financial information and could tell we had money to pay him. He said he would call our current creditors and leave derogatory information. He then proceeded to tell my wife that " They '' original creditor XXXX XXXX XXXX could, would, and will get their money. At no point did he disclose his employer. We waited to call " After hours '' and it then says who what and where the call came from. I never received any written documentation from this company so I could dispute. I believe that due to me disputing information on my actual credit report that he was able to contact me.
I ordered a spa cover on XXXX the XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Ca and they charged our XXXX Card for XXXX. We called them later that day to tell them that our spa maintemance guy had found a leak in our in ground spa and that he said it could not be fixed. He said that since he had already charged our credit card that we had to pay him for the {$35.00} in discount fees. Surcharging is illegal in CA and we live in that state. I requested that he issue a credit on XX/XX/XXXX and followed up with him in XXXX to let him know that we had not received the credit. We called our credit card and disputed it. He is not threatening a lawsuit if we do n't pay {$70.00} in crediot card fees he incurred for both the sell and chargeback.
Hi, There is a state tax lien on my credit report that does not belong to me. It belongs to my father XXXX XXXX XXXX. I am XXXX XXXX I used a credit repair company they sent XXXX letters and still wo n't remove it. They told me to contact you to have it done. My social secuity number is XXXX date of birth XX/XX/XXXX. I am trying to have it taken off of my credit report it is holding down my score as I am also trying to purchase a new home.
They kept calling me everyday! I told them that I have no co trip to pay the payment to pay back the phone company spirit and will try figure out to pay back when I do my tax return and they kept on pushing me pushing me i repeated told them what I plan and they did not listen to me so i told them the same answer and hung up the. they kept call me everyday! so i blocked them and it still go thru and call me everyday!!! harassing me i 'm tired of getting their calls!
Over the past Two years, I have sent approximately ( 5 ) certified letters to XXXX in regards to an unverified derogatory account listed on my Credit Report ( Ally Financial # XXXX ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that XXXX disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. XXXX has responded to my request by saying that these accounts have been verified. XXXX has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to Ally Financial # XXXX however I never received a reply back. XXXX have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking XXXX reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as XXXX in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.
I have filed for a modification with Fay Servicing. They denied saying my investor only allows one modification-but they will not give me a copy of investors rules. They also said i dont make enough for a repayment which is incorrect. I am 80 days behind and I told them I could pay 2 months on XX/XX/XXXX and 2 months on XX/XX/XXXX. You would think they could work with us and in the meantime on XX/XX/XXXX they took one payment and every month i have paid one payment until I figured this out. I have consistently showed an effort. The only thing they offered is a deed-in-lieu which i am denying because I can get caught up. I appealed the deed in lieu and nothing changed. and my last resort will be bankruptcy.This is a terrible servicer and if I file bankruptcy, they will wait 5 years for the money. This makes no sense. I
I have XXXX loans that were technically illegally given at the time i started school but the school somehow managed to push the loan the following year so it would look accurate. XXXX/Navient is reporting a 90 day late and with the payment history i have requested, my loans have always either been deferred or in a current status. This status is showing reported back in XX/XX/2012 on all XXXX Bureaus and they wont update the status nor will the credit Bureaus updated it with proof that there is no 90 day late. Please help me with getting this updated to having this negative remark removed.
I opened a CitiGold checking account on XXXX/XXXX/16 with Citibank Financial services through a promotion that offered XXXX XXXX XXXX Miles for making {$1000.00} worth of purchases on my debit card and a bill payment. I received confirmation of the promotion after opening the account. The requirements were met well within the requested time frame and I contacted Citibank customer service regarding the bonus miles. After receiving no answer from them regarding the issue a month later they responding stating I did not open the account through a promotion. I would have never opened this account without a promotion.
Macy 's is illegally re-aging an account lasted used in XX/XX/XXXX on my credit report and reporting to all reporting agency that the account is late. They are also reporting falsified payments to bring account up-to-date. They also used an falsified date of my lpusage being in XX/XX/XXXX when I have proof last usage occurred in XX/XX/XXXX. Also, the account was bought by XXXX and has been legally deleted with them.
I have credit issues and have made pmts on it and there useing third partys to keep the money I already payed by not receiving it back yet .at some point I signed these statements and didnt know this was the way it was .including XXXX XXXX , XXXX XXXX  XXXX  XXXX college XXXX and capital one credit card services 10 yrs now ongoing and there are a bunch of new things dont know who or what they are .Flagler police dot .and XXXX county fines and court cost driver lisence bureau .XXXX  XXXX  and driver lisence in XXXX  over 10 years XXXX XXXX XXXX county XXXX XXXX XXXX old charges .XXXX count police dot old fines and tickets and pictures on XXXX where I was robbed my Mugg shots on there and refuse to remove them .took them down and put them right back XXXX XXXX XXXX county stolen atm card they used and have charges for .XXXX ATM XXXX XXXX for XXXX hospital and XXXX  hospital XXXX XXXX XXXX XXXX XXXX division emergency services when I had insurance XXXX  court house XXXX XXXX charges for money and no services from any of them even when I got the charges .XXXX XXXX
Equifax is reporting a paid collection with XXXX XXXX as {$0.00} balance past due, and open. Account not reporting on XXXX or XXXX