WillisBack/dataset-financial-user-claim huggingface dataset:
have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XX/XX/XXXX and currently now. It 's been less than a year 11 months to be exact and counting coming into XX/XX/XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of Ed/Nelnet, XXXX XXXX XXXX, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit against XXXX & the creditors for breaking several FCRA laws.
On XX/XX/XXXX I purchased a car XXXX and was charged of showing a date of last activity of XX/XX/XXXX with XXXX. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with XXXX with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the XXXX account and the other one showing it removed after I disputed it wtih XXXX XXXX XXXX.
This debt is not mine I have never had an account with Amsher. This debt has two collection agencies that are trying to collect on a debt that is not owed. Both Amsher and XXXX XXXX are trying to collect on the same debt that I do n't owe.
I am putting a complaint against barclays card cause in XX/XX/XXXX i lost my credit card and there were fraudulent charges made to the account. They sent a letter denying my claim saying because they were confirmations made by text of charges that were done to the account. After reviewing my text confirmation from barclays they sent a text on XX/XX/XXXX at XXXX for a charge from XXXX for {$170.00} for that was processed twice at XXXX i confirmed this charge as i knew the merchant. on XX/XX/XXXX they sent a confirmation text for a XXXX charge for XXXX in which i was in the middle of a hospital visit because i had an XXXX. I accidentally pressed 1 for confirming instead of the 2 because my XXXX and i XXXX. i received another text when i left the hospital for another charge in which i responded with the XXXX and called in and explained to the representative the situation. They are trying to say these charges were valid and i did not do any of these charges. They are trying to hold me responsible for charges that were not authorized by me.
XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX   Agreement number:  XXXX  To whom i t may c oncern : I signed up  for 1  membership. For the last year I have been charged for  XXXX  memberships. When I contacted the gym they acknowledge the error. They said they had been charging my credit card with my son 's membership bill because we have the same na me ( he  is a  XXXX   ). Th ey said if they are successfully able to charge the correct account they will remove the additional charges from my account, but if they are not able to charge the correct account they could n't remove the  XXXX  membership charges from my account. I have been unable to get any further information on the status of correcting the account other than " they are working on it ''. My son has his own credit card and is an adult,  XXXX   XXXX   XXXX . I do not pay his bills.   This is an account error within the company 's billing system. Customers should n't be charged or penalized for the company 's financial mismanagement of customer account.   I am requesting a refund in the amount of {$210.00} and for  XXXX   XXXX   XXXX   XXXX  to  be notified of ABC Financials billing error and stop collection attempts.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract and no signature
Im trying to work with them on payment owed I reached out on XXXX-18 and was told they would contact me in 30 days. Still nothing.
In XX/XX/XXXX Bank of America Visa reissued my card because of localized fraud problem not involving my card. They sent me a notice and then a new card. The old card was good until XX/XX/XXXX. On XX/XX/XXXX we made a payment of {$4000.00} on our balance as we do each month - the minimum payment would have been {$87.00}. That payment was never credited to our account. On XX/XX/XXXX I attempted to use the card and it was rejected. I called them and they said I had made no payment in XX/XX/XXXX. Then next day I checked the transaction we used to make that payment through XXXX Bill Pay. XXXX recorded that they received our request to make the payment on XX/XX/XXXX and recorded a trace number from BofA indicating receipt of the {$4000.00} on the prior Card number. I gave this information to BofA, they said that it would take 10 days to verify but to activate my I could pay them another {$87.00} to activate my card in 24 hours otherwise I needed to wait 10 days to use my card. This is extortion and very bad customer service. I activated my new card on XX/XX/XXXX as best I can remember. I lost the ability to access money and was embarrassed because my card was restricted for no reason. I lost the ability to use the card for 10 days while they researched the issue or had to pay {$87.00} to activate the card. They should have researched and changed this immediately and reversed all service charges. I 'm still waiting on the result of their research. Info from XXXX bill pay system : Biller ID XXXX, Payee name : Bank of America, Payee account number : XXXX, Payment amount : {$4000.00}, File transmission date : 1XX/XX/XXXX XXXX EST, Payment effective date XX/XX/XXXX, Trace number XXXX
I was charged XXXX days for a processing hold in my account to a business that did n't submit the hold for payment right away. The bank charged me each day the hold was in effect, thereby reducing my balance that affected other payments which should have been covered. They said at the end of each day, they returned the monies to my account if they were not collected by the company. However, my statements show that the monies were " never '' returned to my account and was eventually charged again on the following day, making the charge a double payment to the business which they never received but my account was reduced by the double amount. That 's not fair to me to be charged twice and the monies not paid to the merchant but my account depletes anyway. The bank should replace the funds at the end of each day if they are not collected by the merchant, thereby making the bank customer whole again for the next day charges.
I had a voluntary security freeze on my credit reports. On XX/XX/2018, I called Equifax to request a temporary lift of the security freeze for an authorized credit inquiry. I was told the freeze was lifted, and received a confirmation number. The inquiring party was not able to obtain my Equifax report on XX/XX/2018. I called Equifax again, received a new confirmation number, and was told the freeze had been lifted. The inquiring party attempted again to obtain my Equifax report, and was again denied. Equifax does not appear to provide any other avenue of communication.
Receive XXXX calls a day from an unknown number. Picked up to ask for them to leave a message with a call back number. They said they would not do that. Continue to call me while at work XXXX times a day and leave no message or contact information. Once again asked for them to leave information so I can call them back when I am not at work. Once again said they would n't.
XXXX XXXXXXXX filed over 1000 cases in Maryland using fraud from National Mortgage Settlement cases. Many Maryland families have been enslaved for life with 100,000. - 300,000 plus illegal judgments. It is time for action by authorities to demand restitution for crimes committed by substitute trustees NAMED in the National Mortgage Settlement. 

The Department of Justice knows about these crimes and should be issuing indictments and arrest warrants for the NMS 15 ( a ) violators ; any criminal act. I reported these crimes prior to this communication and your answer was less than acceptable given the dire circumstances of the victims. 

I have been intimately involved in more than one of these cases with good results proving FRAUD. For way to long these NMS crimes have been allowed to continue. It is time to act for the citizens ( over 1100 ) in Maryland alone, obtain some justice. Looking the other way when crimes have been committed with substantial evidence to prove the cases is just another crime. I look forward to a easy process to prove over 1000 fraudulent debt collection cases.

I obtained evidence from many files in Maryland the reveal the fraud involved in these illegal judgments. These cases are very easy to solve. The evidence in located in each one of the foreclosure files ( east to see ) and the subsequent actions filed by XXXX   using obvious fraud documents.
Transworld Systems Inc keeps sending letters and calling saying I owe XXXX. This was paid back in XXXX and I paid XXXX. The keep calling and harrassing me even though I no longer owe anything. The letters they send out has a number that is disconnected and when they call me and ask for a manager they refuse to let me.
I filed for permanent XXXX forgiveness first of XXXX. They said my forms was incomplete. The reason was My XXXX didn't state if I will have a 2 year review. So I sent in everything that needed XXXX XXXX of XXXX. Stating that my XXXX is permanent and if my XXXX was to have reviewed it would state it on my XXXX papers. I also stapled all papers again together. I have not heard anything from them. Try emailing and dont get answers. They keep adding interest to my account. My orginal loan XXXX now little over 17,000. I think they keep avoiding to add interest. My loan was in debreavince before and they keep adding interest.
While checking my personal credit report, which I acquired from XXXX, I noticed an inquiry made by your company " SYNCB '' on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Hello, I was advised today that Experican continues to report innacurate information on my reports that has already been disputed as follows : 1. Account Recovery Service, Balance {$780.00}. This is not my debt and the company has failed to provide proof of debt. This has been disputed in the past. This must be removed. 
2. Online Collections, Balance {$58.00}. This was never a debt. Just received a refund check from the original creditor ( SRP ) and an apology for the error ( see attached ). This must be removed. 
3. XXXX XXXX, Balance {$290.00}. This account has been disputed several times and removed in the past. XXXX XXXX has failed to respond to the CFPB as well. This must be removed. 
4. XXXX Bank. Balance {$12000.00}. This account was late in the past but the balance and status are not correct. The account is current in payment with a lower balance. This must be updated. 

Thank you for correcting these errors.
MY PAYMENTS IS DUE AD THEY ALL 3 TIMES BEFORE NOON EVEN AFTER YOU TELL THEM YOU WILL ALL BACK THEY ALL AGAIN AND AGAIN AND AGAIN, YOU ALSO TELL THEM YOU WILL PAY BY A CERTAIN TIME OR A CERTAIN DAY AND THEY SAID OK AND ALL YOU THE SAME DAY. I HAVE RECEIVE A TOTAL OF XXXX CALLS IN THE LAST WEEK FROM THE SAME PEOPLE I AM NOT I COLLECTION WITH THEM I DO OWE THEM I AM NOT SKIPPING OUT ON THEM THEY ARE GETTING PAID I WANT THE CALLS TO STOP.
Still have not received $ XXXX withdraw made from coinbase through XXXX account. 

XX/XX/XXXX - Withdraw was made at XXXX for {$50000.00} Confirmation email has estimated arrival date XX/XX/XXXX 

XX/XX/XXXX emailed support case # XXXX Other emails sent XX/XX/XXXX amount still not present in account.
Advised Equifax that XXXX XXXX A XXXX was opened in my name fraudently. I never solicited business from them. It still remains on my credit.
Capitol One Bank calls MULTIPLE times a DAY. They never leave a message as to what it 's about or how much is owed or where to send payment. Instead they call relentlessly. I know it is them because I had to put a block on my phone. Every time the phone rings its them.
Today I received a call from Nelson Cruz & Associates XXXX where they left a voicemail regarding a " pending legal matter ''. They provided a case number of XXXX. I returned their call to ask for more information and they committed several violations of the Fair Credit Reporting Act. 

Here is the list of violations that they committed : 1. They told me I had a " legal case number '' ( listed above ). I asked if the lawsuit was filed in Federal, State or County court. They then said there was no lawsuit filed. 
2. They also allegedly recorded the call without my consent. 
3. They attempted to re-age my debt. Specifically, they told me the last activity on the account was in 2011. This is untrue. Also, they stated that the statute of limitations for a breach of contract is 7 years. This is also false. The SOL in XXXX is 5 years, XXXX is 3 years and XXXX is 4 years. The statute of limitations has expired and the debt is not collectable. 
4. They stated that they were going to garnish my wages. I asked if they filed a lawsuit again and a man named XXXX XXXX proceeded to scream and harass me and threatened to garnish my wages. He said they 'd see me in court but would not provide me any information. 
5. I asked for their address to serve them written correspondence via certified US mail and he refused to provide the address. He then proceeded to make more false and misleading statements and misrepresented the details of my account in an attempt to intimidate me. 

Based upon the threatening tone of XXXX XXXX, I am now in fear that this company may use my personal information to exact " revenge '' on me and possibly even try to steal my identity or use my personal information for other nefarious purposes. 

I also did an online search of this company and it seems that they 've been using illegal tactics to collect debts from many people in various states. 

From my search of the XXXX Comptroller 's website, here are some of the people involved : 1. In house counsel/registered agent : XXXX XXXX XXXX, XXXX. ( XXXX Bar No : XXXX ) 2. Managing Member : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Please look into this company as I am sure they are victimizing many good hard working people with their deceptive practices. 

Thank you for your prompt attention to this matter.
A hard inquiry is noted on my credit report from transunion that is fraudulent. XXXX   XXXX inquiry dated XX/XX/XXXX is fraudulent. They called me onXX/XX/XXXX and we agreed it was a fraudulent application. XXXX  XXXX has told me that they notified all three credit bureaus. It is now XX/XX/XXXX and this inquiry still has not been erased by Transunion
I was told that after XXXX on time consecutive payments, my co-signer would be released from my loan. I made the XXXX on time consecutive payments but my aunt was not removed as my co-signer. They told me that she could not be removed because it was based on my credit at the time. I asked them to provide me with a copy of the promissory note showing this information. They have not yet provided me with a copy of the promissory note and that was approximately XXXX years ago that it was requested. I need someone to help me because I am unable to get anything done with this loan servicer. This is just XXXX of the many problems I have ran into with them. I need help with many other things but thought I would start with the most important. I need my aunt removed as my co-signer like they stipulated in my promissory note.
I was divorced in XX/XX/XXXX. On XX/XX/XXXX, I called BofA and requested they close the joint credit card account that both my ex husband and myself were account holders on. They closed the account and then asked if I wanted to consider opening an account myself. I agreed, they ran my credit and offered me a card, which I received. On XX/XX/XXXX I created an online log in so I could review my most current bill. Since it was a new account, I went into the account profile to review the contact information and saw my ex-husbands email address listed as the Primary contact and my email address under his. It seems BofA kept the original account information and simply transferred it to my new account that he has no part of. I was unable to delete his email address since it was listed as primary. I called XXXX on XX/XX/XXXX at XXXX and spent 12 min and 15 sec on the phone with a female rep. She advised she removed his email address but when I refreshed my page, she had removed my email address and his remained. I advised her and she said she fixed it again. I refreshed and, in fact, my mail address was listed as primary and his was no longer there. Today, XX/XX/XXXX, my ex-husband dropped off our daughter and told me he received an email from BofA with my statement information, including my balance and minimum payment amounts. He has forwarded a copy of this email to me. If he did not notify me of this very serious privacy breach, I would have no idea he was receiving my financial information since the online account does not reflect his contact information.
I am requesting verification of information for my account. 
Please provide the following details for each credit bureau ( XXXX-XXXX-XXXX  ) 1. The Account Date Opened 2. The Final and Last date account was Updated by your company 3.The Date last payment made on account 4. The Date account sold and company sold to 5. The dates you responded to any investigation verification for any of the 3 credit bureaus 6. The credit details and information you reported and account details you reported on those dates 7. The amount of 30-60-90-120 payments reported on this account I am requesting this information for XXXX XXXX and XXXX
To Whom It May Concern : I have been billed repeatedly by the Collection Bureau of America after the water tank had been returned. The bill states that I owe over {$300.00} and interest continues to accrue. 
I need to have this bill settled and satisfied. 

Sincerely, XXXX XXXX
I have three promotional balances with XXXX 's XXXX. The promotional terms are 6 months, zero interest if paid in full. The first promotional balance was due to be paid in full on or before XX/XX/2018. The remaining balance, {$35.00}, was listed on the XXXX statement. I contacted Customer Service to inquire on the process to apply payment to the promotional balance. I was informed that I would need to make the minimum payment for the statement ( {$30.00} ) by the due date XX/XX/2018 and the remaining promotional payment amount ( {$35.00} ) by its due date, XX/XX/2018. I was further advised that I would need to contact Customer Service after the promotional balance payment to have the amount applied to the appropriate balance. I completed the three steps : -paid minimum statement balance by due date, paid promotional balance by due date and contacted Customer Service through the XXXX XXXX XXXX. XXXX, the card issuer, has now refused ( twice ) to apply the promotional payment. In addition, they have declined to provide my account details although I have requested confirmation in writing on three occasions. Instead, they send responses to me with the general policy for payments and balances. If the payment is not applied accurately, I will incur deferred interest charges. I have submitted the payments on time and am hoping to ensure the terms are honored.
I made the mistake, as Im sure others have found the hard way, that XXXX XXXX offers no consumer protection despite being affiliated with major banking institutions ( such as mine with Suntrust ). Unlike XXXX, if you initiate a payment to someone who turns out to be defrauding you, there is no recourse. Even if you become aware of the fraud within minutes, not days. 

I never used XXXX before, and I can tell you I never will again for this very reason. I was buying event tickets today ( XX/XX/XXXX at XXXX EST ), the guy showed me the actual ticket purchase via XXXX by including a screenshot in an emai, and he said he would immediately transfer them via XXXX once I paid him via XXXX . I told him I never used XXXX before, and he told me how safe it is since its offered by major banks as a service offering. I naively thought my bank ( Suntrust ) would stand behind me if there was any kind of impropriety ; that is not the case. 

I have a name, address, cell number, XXXX account name and affiliated phone number, a screenshot of the XXXX purchase transaction, and texts and email exchanges documenting everything. 

Im a mother of XXXX kids with XXXX XXXX who wanted to see a comedy show with a friend as our XXXX gift to each other. I needed just a night of lighthearted laughter, since I dont have a lot of it in my life. Instead I spent every last dime I had to spare, {$140.00} to be exact, to line the pockets of a scam artist via an app my own bank endorses and supports. 

XXXX and Suntrust Bank offer zero Consumer Protection or recourse against Fraud when using this money transfer app. 

XXXX XXXX
This company is identifying itself as a debt collector in a letter mailed to us on XXXX. The letter stated that the company was collecting a debt of {$29.00} that they said we owed on an expired magazine subscription. We mailed them a dispute letter denying we owed the debt and demanding documentation to verify their debt claim. On XXXX we received a response from the company stating that they were stopping any further collection activity on us and closing their files. I suspect that this company is using false and deceptive practices to collect monies on expired magazine subscriptions under the guise of a threatening debt collection letter.
I have attempted to get something on my credit report verified  three times now. After zero response to my first inquiry through the credit bureaus from the creditor, I sent the letter attached to the creditor. I have been asking for clarific ation on  XXXX  different account numbers. In respo nse Wakefield respond ed to only  XXXX  ( but i am not sure which it is as the account number does not match what i have on my records. ) The response attached has me seeing a physician at a place i do n't recall being at. I think that this is an error. I 'm incredibly frustrated by the amount of time this is taking on my part.I am asking, and asking for clarification and verifcation and i am being ignored. This is affecting my getting a mortgage and this is NO T RIGHT. I should not have to ask the SAME question more than once. I never received a bill for this or a statement and to find it causing major harm to my credit score i s incredibly upsetting. I should be able to receive verifiable information that this debt does indeed belong to me and not to someone else. If this information does not exist. then this debt needs to be deleted. immediatly.
TRANSWORLD ACT # XXXX THIS IS NOT MY DEBT TO BEGIN WITH. I ATTEMPTED TO CONTACT AND DISPUTE THIS WITH THE CREDITOR, THEY RUDELY DIRECTED ME TO WRITE TO THEM BUT LETTER CAME BACK REJECTED AND UNDELIVERABLE ... TRANSWOLD IS NOW CALLING ME AT XXXX AND STARTING XXXX AT MY HOUSE AND WORK AND THREATENED TO MY ASSISTANT THAT THEY WILL GARNISH WAGES AND SEND A SHERIF TO ARREST ME IF SHE DIDN'T PAY THIS DEBT TO THEM. THIS IS REDICULOUS AND SHOULD NOT BE LEGAL AND SHOULD NOT BE ALLOWED PLEASE HELP ...
I continually experienced additional fraud to my name and social in spite of the efforts made to prevent it. The following additional accounts are a result of my identity being stolen and need to be documented and removed from my credit report. 



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