WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XX/XX/2015, at XXXX, I was contacted by my grandmother regarding a phone call she received. My grandmother stated that a woman called her claiming that if I did n't call her back today, a sheriff would be sent to my home. I called the phone number given to me. The call was first answered by a man who gave me hisname only. Upon telling him my name, he identified the company as " XXXX XXXX '' and transferred me to my case worker. The next person I spoke to was a woman who said she needed to retrieve my file. While apparently shuffling papers, she gave me a lot of vague information regarding " the case. '' She did n't specifically identify the company suing me until I asked her what she was talking about. At that time, I stated that I did n't purchase anytjing for {$1200.00} in XX/XX/XXXX because I was out of work. This is when I was told the case involved a bank account. When I continued to ask questions, the case worker made statements such as, " I 've never heard of anyone forgetting about a bank account before. Maybe a loan, but not a bank account. '' and, " If you choose to go to court, you will owe {$3200.00} instead of the {$1200.00} this company is asking for now. '' When I continued to ask questions and state that I was confused, the case worker transferred me to someone she described as the attorney handling my case. This woman was more threatening than the case worker. She told me that the bank has camera footage of me entering the premises to attempt to defraud them and that people go to jail for robbing banks. At some point during our conversation, the woman identified herself as a paralegal. I then told her I thought I was speaking to the attorney handling my case. At this time she said I could speak to the attorney for a fee of {$250.00} per hour, and did I want to pay this fee with a Visa or MasterCard. I stated that I would not be paying anyone {$250.00} per hour to speak to them. At this time, I was looking up information online about debt collection practices. I asked the woman for validation of the debt, to which she responded, " We are beyond documentation at this point. '' She also said that, while I 'm " XXXX '' things, I should " XXXX whether people go to jail for stealing from banks. '' In an attempt to reason with this woman I stated that I would not be handing any money over or making any payment arrangements until I was sure of the debt. She then gave me an account number and told me to go today to the US Bank near me, give them the account number, my name, and social security number, and they would provide the information I 'm seeking. I was told to call her back by XXXX. At this point, she said " Good luck to you. '' and hung up on me. I 'm now terrified to do anything that this woman told me to do. I feel like I was being " shaken down, '' so to speak. This law firm never XXXX said they were attempting to collect a debt, I was only told they were attempting to avoid court and anything I said would be held against me in court, as if I was being arrested.
My home went into foreclosure with Ditech XX/XX/2016. In XXXX I was working with Keep your home California with help on getting caught up with my mortgage. I was in Foreclosure at the time and Ditech refused to work with me and Keep your home California. I continued to send in the paperwork they requested but they kept saying they did not receive it. Then I received the sales date where they were going to Auction my house on XX/XX/2016. One week prior I found a cash buyer, they needed a payoff amount and again Ditech refused to disclose it and said it would be mailed. The buyer tried to get them to move the sale date ahead a week to wait on the info and get the finance together, again Ditech refused. No one bid on the house at the Auction so it reverted back to them. They then sold the house the end of XXXX for XXXX I owed approx XXXX, they profited about XXXX. I feel this is Unjust Enrichment, Fraud, Fraudulent Transfer, Robo and Dual tracking. My wife of 35 years and I have been homeless since our home was stolen by these crooks. The FTC found them guilty of tons of stuff and fined them around XXXX XXXX. 

Ditech 's Account number was XXXX. Sales Notice CA XXXX-Property address- XXXX Ca XXXX
I have multiple items on my credit report that have not been validated or verified properly as my debt. I have since contacted the credit bureau various times starting from XX/XX/2018 to verify and correct the items on my report. Since then I have received letters saying that the debts have been verified without providing any proof of these debts. With this complaint I have uploaded and included the credit bureaus response as proof that they did not follow the law and provide ANY verifiable proof showing who and how these debts were verified. Nor were ANY signed documents provided which the credit bureau must have on file and be ready to furnish to be able to legally report items on a credit report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract of all accounts posted on my credit report. Given the fact that anyone paying for reporting services could fax, mail or email in a fraudulent account. I have requested to physically see Verifiable Proof ( an original Consumer Contract with my Signature on it ). Which my request has since been ignored by a company that is supposed to uphold the law. The credit bureau has instead decided to not verify these accounts, only to send a dispute status without verifiable proof of their investigation which by law I am allowed. Which the document I included shows as proof the law was NOT followed nor any verifiable proof was provided. Given the credit bureau did not follow the law Section 609 ( a ) ( 1 ) ( A ) and the rules of the FCRA nor provide physical proof any debts. I am requesting the items below be deleted and then corrected on my credit report before certain litigation in court is proceeded. 
Creditor 1 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 2 - XXXX XXXX XXXX XXXX XXXX Unverified Account, Creditor 3 - XXXX XXXX XXXX XXXX XXXX Unverified Account, Creditor 4 - XXXX XXXX XXXX   XXXX Unverified Account, Creditor 5 - XXXX & XXXX XXXX Unverified Account, Creditor 6 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 07 -  XXXX XXXX Unverified Account, Creditor 08 - XXXX XXXX Unverified Account, Creditor 09 - XXXX XXXX Unverified Account Creditor 10 - XXXX XXXX CO Unverified Account
I paid XXXX financial to take care of this. The company never did send me a bill and the company that put it on my report was not the original company..
the issue im having is with CARD.COM XX/XX/2019 XXXX transfer of {$300.00} put onto pre-paid card, they refuse to re issue a new card for me to access the funds. 
XX/XX/2019 i spoke to " card specialist '' who was giving me every excuse under the sun for not being able to re issue a card, there is a hold on my account. an account I havent used in 8 months ... ..
Fair Col lections & Out. Acct.  XXXX . {$21000.00}.   I have no idea who this is, what this is, and ca n'  t IMAGINE who I could possibly owe this much money too!
I sent a letter to the credit bureaus asking them to verify the debt. I did n't receive a response, and now I do n't know what to do! Please help me.
On XX/XX/XXXX I attempted to deposit into my Santander account two checks that I received from my Home Insurance to cover storm damages to my house, so that I can have the house repaired. One check was for {$350.00}, and another was for {$8400.00}. Both checks were made out to myself and c/o XXXX my mortgage company. Both checks were endorsed in the same way by my mortgage company. The smaller check went through with no issues. After not seeing the {$8400.00} amount showing up on my account as a deposit after several days, I called Santander customer service to ask what the issue was. They claimed that due to the amount of the check, it was put on fraud hold. I went back to my bank in person on SaturdayXX/XX/XXXX, where they wanted me to fill out a fraud document, which I did, but they will still not tell me when they will deposit this money to my account and it is nowXX/XX/XXXX. They will not give me any information about when these funds will be available.
XX/XX/XXXX spoke with them several time explained situation and told them my next pay day left a message on my phone with them calling me a XXXX tried to speak with a manager he hung up on me trying to handle situation my bank account had fraud over the weekend told him when I could handle this matter would like to handle matter but insultins will not be acceptable
Hello, I am a XXXX agent, I am working on a short sale and US Bank is holds the XXXX lien. I have documented EVERY conversation, email and fax. They have not responded to ANY communication since XXXX, and I have a pressing need to get the file assigned to a negotiator. The XXXX mortgage is with XXXX and they are already reviewing the file. They will likely give me an approval within XXXX weeks and US Bank has n't even confirmed a complete package!
I deposited a check to BofA via atm. The check was immediately put on hold and XXXX funds were available or will be available until XXXX. I went to reception and asked to speak to someone. The agent asked what it was regarding. He explained this was for for my protection and was not allowed to speak to anyone else. I called my bank when I returned home. This was to no avail and another call on XXXX was also unsuccessful. This they say is due to previous fraud on my account for over a year ago. The fraud was from my cloned atm card and not a check deposit. The bank allowed XXXX $ to be withdrawn from my account when there were insufficient funds to do this transaction. I could not withdraw that amount if funds were not available, how can someone with a cloned card do it. This fraud was reported immediately and resolved. Why am I being penalized a year plus later for their mistake. Please assist in this reconciliation.
I paid off the entire balance owed to Bank Of America for an account that was closed in 2013. They agreed to remove the fraud notice off of XXXX once I paid it. I waited a month and it still was not off of my record. I disputed it with XXXX and they would not remove it after an additional month saying that Bank Of America said they did n't agree to remove the alert, even though I paid the balance. This is not true, and I would like it removed from my XXXX record.
My name is XXXX XXXX, I have been using the XXXX XXXX Rush Card ( debt card ) for the last 18 months, I am XXXX of the XXXX that has not received my paycheck, I have had my bills cut off, and not they are talking about my car being late on payment with that, also my car insurance has lasped. I do n't know what else to do, my HR dept, ca n't give me my money because they ca n't get the money back into their account so they can send me a check back. I live from paycheck to paycheck, and there is no savings on my end, so what I get every two weeks, is all I have. Please help me, and the XXXX other people that are in the same predictament.
XXXX new accounts were reported opened under my name by TransUnion as follows : XXXX ( Acct # XXXX ) and XXXX XXXX ( Acct # XXXX XXXX XXXX ). These accounts do not belong to me. I did not open these accounts. 
I was reported delinquent on another account from XXXX XXXX ( Acct # XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. This account does not belong to me. I did not open this account.
XXXX and XXXX are both reporting a balance totaling {$2100.00} despite being the SAME company, this is not ethical reporting. XXXX is reporting on behalf of XXXX in the amount of {$1000.00} while XXXX hired a second organization reporting the same dollar amount. In addition, the items in the employment contract were NOT provided however, 5 years after by 6 week employment, XXXX reported an outstanding balance to 2 separate collection companies. These items need to be removed from my credit report.
Results Unlimited is ruining my rental history with a collection account that is apparently in my name somehow. After multiple attempts, they still refuse to provide proof of the debt owed. Therefore under consumer protection laws the debt in my name must be removed.
XXXX XXXX turned my cable off next day. I am disputing ( Re- investigation ). The balance is inaccurate. See attached .and I turned in equipment as well. Please update credit file. all 3. inaccurate infornatuon. please adjust or remove.
There is a wrong address on my personal file. Which I had contacted Equifax to have removed back in XX/XX/XXXX. The address is XXXX XXXX XXXX, XXXX, OH XXXX I have never lived there at all. I would appreciate it to have it removed.
Nationwide Equities based out of NJ have been false advertising on Reverse mortgages. Nationwide has been sending homeowners solicitation through the mail to look like its a check and it says you have been approved for x amount of dollars. These are all homeowners that already have a reverse mortgage. I have had several clients of mine when I worked for Nationwide Equities that have read to me over the telephone what the check says of the solicitation. Most of all the mailers are coming out of XXXX XXXX office in XXXX Md. They print all the letters from that location. I have a list of about XXXX names that they have sent mailers too. I reported this along with another situation I came across when I was working at Nationwide Equities which XXXX and the FBI are working with me and my attorneys in NJ. Here is my incident number when I reported to the CFPB back on XXXX XXXX but got no response. I also have some information on kickbacks that certain employess are getting from using one title company who they forced me to use when I was employed by Nationwide Equities. My incident number is XXXX. My name is XXXX XXXX and my phone number is XXXX. My next call is going to be to XXXX XXXX at XXXX or XXXX XXXX XXXX. They have mailed out over XXXX false advertising fake checks for the last 14 months and are continuing to do this fraudulent activity still today on XXXX/XXXX/2017.
Select Portfolio Servicing ( SPS ) has now contact family member in attempt to harass me for a mortgage loan that was dismissed by a judge. I have made prior complaints on SPS for leaving notes and taking pictures of my property every month on Saturdays, but now they are calling my relative in attempt to humiliate me more. I want SPS to stop with harassing tactics and leave my family and relatives alone. Please advise,
I am the victim of identity theft. I followed the procedure of using your FTC affidavit and obtained a report from the police department and Equifax and XXXX are not following the law ( 15 USC ) regarding identity theft. I am former XXXX ( just not practicing ) and am aware of my rights. 
There are erroneous things on my report. I have never had any involvement with any bankruptcy and have submitted the police reports to XXXX, Equifax and XXXX XXXX, who was the only C.R.A to comply.
Hello, My principal loan amount on my XXXX 2016 statement from Seterus went up XXXX. I have called and written the office for a explanation and the company can not provide any documentation of the increase of my principal balance. I was not given any written corpsependence regarding why. After calling multiple times and faxing for a answer im now being hung up on.
I was charged a $ 15 monthly service fee on XXXX of my Chase checking accounts. In XXXX, I complained to the XXXX because I was being charged these same exact fees, despite the fact that Chase states they will not charge these fees if you have a balance across all your Chase accounts of at least {$25000.00}. During the same month I was charged this fee, I had a balance in XXXX of my other checking accounts of {$130000.00}, which is well over {$25000.00}. In XXXX, Chase apologised and said that they linked my accounts and I would no longer be charged a service fee. But I am now being charged the fee again. I want them to reverse the fee, to stop charging me the fees in the future, and to be reported for this illegal practice.
Greensky credit is making unauthorized withdrawls from our checking account from the zero interest loan for a purchase of windows through XXXX XXXX.
My mortgage loan is serviced by Ocwen Loan Servicing , LLC . I suffered water & mold damage, resulting in an insurance claim. Ocwen required me to mail the insurance check to Ocwen so that Ocwen could monitor the repairs and pay me. Ocwen requires an inspector to inspect the repairs before issuing payments. On XXXX XXXX and again on XXXX XXXX, 2015, Ocwen employees assured me that they ordered an inspection while I was on the telephone with the Ocwen employees. Today, XXXX XXXX, 2015, 9 days later, Ocwen informed me they " forgot '' to order the inspection. Ocwen is telling lies. Ocwen employees assured me an inspection had been ordered while I waited on the telephone with Ocwen employees. How could Ocwen have " forgotten '' to order the inspection when the Ocwen employees told me the inspection had been ordered while I was on the telephone with Ocwen? Ocwen is intentionally, purposely causing me severe emotional distress and damaging me. My contractor is threatening to quit. My tenants are threatening to sue me for breach of the lease. Ocwen refuses to pay, when the insurance proceeds are my insurance proceeds. I need immediate help. My contractor is threatening to quit. My tenants are threatening to sue. Ocwen now says it will be another 5-7 business days just to contact the inspector, then additional days to schedule the inspection. Meanwhile, Ocwen refuses to pay money which is owed to me.
I had a ChaseXXXX Credit card ending in XXXX, that was opened in XXXX of XXXX. I filed for Chapter XXXX Bankruptcy and it was dissolved on XXXX XXXX, XXXX. Chase sent me a letter in XXXX, that this account was going to be charged off. I replied on XXXX XXXX, XXXX, with a copy of my Bankruptcy decree. I then received a charge off XXXX in XXXX. Randomly in XXXX of XXXX, Chase reported to XXXX and XXXX a past due balance of {$1200.00}. I disputed with XXXX credit bureaus, XXXX removed the information from my credit card promptly and XXXX told me to contact Chase. I have contacted Chase multiple times to no avail. The last communication was a phone call about a month ago and Chase was suppose to contact my Bankruptcy Attorney. When I pulled my credit today, XXXX XXXX, XXXX, the past due balance is still being reported by Chase to XXXX XXXX XXXX XXXX ). This is affecting my XXXX score substantially. Card opened in XXXX, Bankruptcy in XXXX, Charge off in XXXX, and then randomly appearing on credit XXXX of XXXX.
I was given a XXXX payment plan by Navient. The first payment was taken out of my checking account on XXXX XXXX, XXXX in the amount of {$65.00} and {$65.00} was to be taken out of my checking every XXXX months. Before the next payment was due I received a statement from Navient. Navient had changed the information ; I longer had a XXXX payment XXXX. The Loan Payment Plan is : **Consolidation XXXX, Loan XXXX XXXX {$49000.00}, Current Interest Rate - XXXX % Current Payment - {$50.00} **The Name of Loan - Consolidation XXXX, Loan Balance XXXX XXXX, Current Interest Rate XXXX %, Current Payment {$15.00}. 

Navient took the first payment of {$65.00} and has not honored the payment plan. The next payment was to be on XXXX/XXXX/XXXX. Navient has refused to take out the payment of {$65.00}. I received a notice from them stating on XXXX/XXXX/XXXX I will owe a total payment of {$500.00}. The notice was dated XXXX/XXXX/XXXX. 

Please help me to have my Consolidation XXXX honored.
I check my report often to make sure my information is reporting accurately. Last year I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I checked my XXXX report today XX/XX/XXXX and noticed this account listed on my credit report. Based on the information I show on my report, it was opened XX/XX/XXXX and was placed on my credit report this month, XX/XX/XXXX. It is reporting under the company Payliance as a collection for {$60.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. I want this account removed from my credit report immediately!
A few problems Initially it was hard to get information on loan balance for approximately a year to year and a half. Navigation of the phone system was very difficult. Also, when I called the representative either did n't answer or ne it was difficult to get the balance. Only when I became frustrated and spoke more sternly or called back or asked to speak to a manger would I get a proper answer. 
Had issues where I paid extra on the account and they never applied it to the loan but applied it to the next payment. I called a few times and finally gave up. 
I never received a bill since Navient took over my loan. With XXXX XXXX I had a booklet and a way to find out what my daily balance of each loan was. 
After the first year or year and a half of them owning my loan Navient took steps to better the phone procedures and later created the website where I could check this information.
I pulled my credit and happened to see a major error on my credit report. I 've sent in 3 certified letters to all   XXXX   credit bureaus. Incorrect inaccurate, errored information that these credit bureaus are reporting. I 've asked the companies to show me verification of any documents or verify my signature and they have failed to do so several times and they continue to verify an account that has nothing to do with me.
Experians investigation about my debt dispute with XXXX  did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.
XXXX has attempted to collect on a debt that is past the statute of limitations. They said they could put it back on my credit report, although it is no longer showing.