WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a credit card with American Express and they gave me a limit of {$10000.00}. They asked if i would like to add a family member 's name to the account and have a card sent out to her ( my wife ). They said on the online form that they needed her SSN and that they would not run it, just have it on file for identification purposes. A few months later they arbitrarily reduced my credit limit by {$6000.00} and said that I was carrying too many cards with high balances. I only have 2 other cards and and the limits on those are {$4000.00} and {$500.00}. Then It turns out that they 've run my wife ' credit without her permission and have somehow used her credit score to reduce mine AND reduce my limit. Her credit score has taken a hit, and they 're reporting that she has a balance with them of {$2700.00} ( having never even spoken with them ).
ocwen loan servicing, llc requested that my home be foreclosed onXX/XX/XXXX. XXXX XXXX XXXX XXXX is using a fraudulent assignment that robo signed. XXXX XXXX is the XXXX for XXXX XXXX XXXX XXXX XXXX this trust has a cut off date for mortgages to be conveyed, and the assignment being used was done after the cutoff date in section 201-of the pooling and servicing agreement.
Someone applied credit in my name on XX/XX/2018 and XX/XX/2017 to Bank XXXX XXXX. 
I called Transunion and brought this to their attention but Transunion brushed it aside. I keep getting customer service in XXXX who do not know how the identity fraud works in XXXX. I tried talking to different customer services reps with the same results. 

Please help me delete these two inquiries that do not belong to me.
Discover card has false advertisement for their terms and conditions for one of their credit card benefits. The benefit currently that has false advertisement, or better said, fraudulent information is their Price Protection benefit. As a consumer, I am under the impression the information presented on their website will be update to date and provide the latest terms and policy for any and all terms and conditions. When I call, I was informed the price protection did not cover blu-rays and/or dvds as of XXXX XXXX, 2016 ; however, as of XXXX XXXX, 2016 the terms and conditions a consumer has to good by do not reflect this information. I can present a printed documentation of the online terms and conditions as of XXXX XXXX, 2016. This has caused me to have monetary loss.
I have disputed an account with XXXX  several times with more then enough documentation to support removal of an account. The account in question is Originally from XXXX  and is now being held by CCS they are located at XXXX XXXX XXXX XXXX, MA XXXX. They have since taken the balance down from {$730.00} to now {$500.00} after my last dispute. So even if that were valid then It should not be in collections or reporting as late at all because they had the wrong amount this entire time and therefore it was wrong to begin with. Unfortunately for XXXX and CCS I have been sent 3 different documents from XXXX stating a {$0.00} balance is owed and the matter closed. Luckily XXXX investigated this and removed it because it is fraudulent. It is still effecting my credit negatively. If a mistake was made by either XXXX or CCS, with all do respect it is not my problem. They emailed and mailed me confirmation of a {$0.00} balance and nothing being owed. Which i will hopefully be able to attach to this complaint as well. This company has over 500 XXXX complaints, this isnt normal. I will be filling a corresponding complaint with the Attorney General 's office as well in their state of Massachusetts.
I need help trying to obtain itemized bills from XXXX XXXX XXXX. On XX/XX/XXXX, I had XXXX on XXXX XXXX XXXX. To the best of my knowledge, all bills related to this XXXX and all other XXXX bills were paid years ago. However, upon recently checking my credit report, I noticed that there are three bills from XXXX sent to collections as recently as XX/XX/XXXX. 

I have asked XXXX XXXX and XXXX XXXX  to provide itemized bills from all XXXX visits/procedures from XX/XX/XXXX-present. They advised me that it was my responsibility to obtain this information from other sources, including Americollect, the collection agency, and my insurance company, XXXX XXXX XXXX. 

After contacting XXXX on XXXX, I was advised to email . On XX/XX/XXXX, I did so. I was contacted by email by an XXXX representative named XXXX XXXX XXXX. I do not know her title or department. 

XXXX XXXX advised me that due to a new billing system, I have two billing accounts with XXXX: one for physician services and one for facility services. At one time, there were three billing accounts. This is where I believe mistakes were made in applying payments. 

XXXX XXXX  has provided me with statements that show a breakdown of bills that she claims that I owe. However, she has not yet provided me with the most important piece of information that I need: an official breakdown of an $XXXX payment that I made to XXXX on XX/XX/XXXX. I asked XXXX XXXX for this information several times, and as of this writing, have not received it. On Friday, XX/XX/XXXX, I emailed XXXX XXXX and told her that if I did not receive it by the end of that day, I was going to file an official complaint against XXXX. 

I am asking for an investigation of how XXXX has handled this situation. Thank you.
AFFIDAVIT OF STATE MENT. 

All credit bureaus transunion, XXXX XXXX XXXX has allowed nurmous fraudulent activity on my accounts for years and continuing to this day, to deny me an environment to happiness and life due to my nationality of XXXX XXXX I named XXXX XXXX XXXX XXXX, never gave any credit reporting agency jurisdiction over me due to my nationality of citizenship XXXX And demand it all been removed pursuant to my nationality, citatazinship and religious as of this day and preventing matters for the further
On XX/XX/XXXX I had a deposit made by a cashier 's check into my Wells Fargo account of {$2000.00}. The teller entered the deposit wrong causing me to call and question it. Upon calling, I was told that there was a fraudulent check made out of my account. I had to open a fraudulent case on my account. I later found out that teller entered the cashier 's check wrong and it was not a fraudulent check out of my account nor was the cashiers check fraudulent. So, the person who answered the phone also read the transaction wrong and told me there was fraud on the account. I have been waiting to have access to my money since XX/XX/XXXX. Bank states that a copy of the cashier 's check has to be sent out to me first which I have not received. All of this could have been avoided if the teller would have entered the transaction correctly and if the person answering the phone would have had the proper training and identifying the cashier 's check numbers versus regular check numbers.
There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted.

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus reports different info? 

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.
I opened a secured credit card up wit Capital One back in XX/XX/2015. Prior to submitting my application, the description for the credit card stated that it was a secured card and after excellent payment history and never being late on the card, I would get back my {$200.00} security deposit. This was one of the reasons I went ahead and applied for the card. Now, I do understand that I had a card previously with the company which I unfortunately had to default on but that is beyond the point of this one. I have continuously tried to contact Capital One to get back my money after making excellent payments and never being late. I have always been told that that offer was no longer offered on my card and that the only way to get my money back was to close the card. That is not what I want to do. I wish to keep my card. I feel like I was defrauded by Capital One and was given false pretenses. Not one time did I ever receive any information to state that my card was not eligible for a refund. They even gave a one time only credit limit increase while after I had my card for about a year and a half. I feel like I should get my money back. The information on their website in reference to the secured credit cards still have the same information that you can get your security deposit back. I just want my money back as promised.
I originally had bought a condo here in XXXX in XX/XX/XXXX with an interest only XXXX loan. The XXXX % was a 5-yr ARM and the XXXX % was a Heloc. I had used a loan officer in XX/XX/XXXX to deal with the bank at the time ( XXXX was first then XXXX then XXXX XXXX XXXX and now Nationstar ) which was XXXX XXXX XXXX. They told us no as I did not qualify for any programs at the time even tho I was never late and had high credit score. At 5-yrs I contacted them myself to same end. Then with the rates so low it adjusted in half and continued to remain low with each adjustment at every 6 months. Then I retired XX/XX/XXXX and XX/XX/XXXX they sent letter saying they were charging me XXXX dollars each month towards principal along with the continuing XXXX plus dollars interest. I have paid at least XXXX dollars interest only on the loan. I called them after receiving the letter only to be told i had XXXX options. Lower rate which I was already at lowest or extend term of loan but that it would cause me to have higher rate which would wash out savings. So they told me to best stay at where I was. I paid the principal only for XX/XX/XXXX then just stopped paying both banks, Nationstar and XXXX. I know Nationstar has several lawsuits against them thus far. No harrassment as of yet, but My loan is going into default then foreclosure soon. I am contemplating seriously Chapter XXXX Bankrupcy. My credit was at XXXX plus or minus til this month.
In 2015 I agreed to a debt consolidation with XXXX for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts. 

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the XXXX to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )
I received a bill from the doctor 's office for a balance. The bill was paid at the doctor 's office. Per the doctor 's office everything was in fact paid in full. Thinking that this one bill must have been overlooked somehow I went ahead and paid Southern Credit Recovery , Inc {$40.00} ( ck # XXXX ) on XX/XX/2016. After paying the collection company I continued to receive bills. I forwarded to the collection company a copy of the cleared check. Even after I have forward to the collection company multiple times a copy of the check and notifying them the bill was paid they continue to send demand letters. I then requested them to no longer contact me and that request too have been ignored.
wells fargo bank located in XXXX XXXX az paid over to a man who STOLE MY ID FOM MY HOME XXXX onXX/XX/2018. The bank did not check his id or make an. They are responsible for what happened. I have been with this bank for over 70 years they have ALWAYS Called mea when thet suspected a suspicious check or whatever is being presented. They did NOT. This time I want them to reimburse me. I am a XXXX year old widow, i am XXXX and i need the money, my savings!!
My dad lives in XXXX and I live in XXXX. A few weeks ago he sent money from Walmart through Money Gram, but before I could pick it up the next day he was hospitalized. I was told by the cashier at my local Walmart that I would not be able to pick up my money because the message she got on the system said that " the money must be picked up in the state designated by the sender. '' I said what do you mean? She said well there is no state listed here. So I called the Walmart where my dad sent it from and they informed me they could n't help me either, and they gave me the number to money gram. I have called money gram and they said '' It does have a state specified it is listed as XXXX. '' But it 's our policy that we do n't allow one to receive money in the same state that is sent from. '' OK so that should be a no-brainer right? It was obviously a mistake on the cashiers part -- no luck. They say my dad has to personally go back to the Walmart where he sent it and fix it. HE IS IN THE HOSPITAL AND CAN NOT BREATHE on his own, so that is not possible!! I emailed a complaint to MoneyGram and in their reply they tell me that HE must CALL an XXXX number they provided on the email. What?? I could have ANY MALE caller to do so if that is so true. Sounds to me like this is their way to make money. Wow.
This all started XXXX/XXXX I signed up with Premier Student Loans because they said they could get me signed up on the new Obama Plan, This plan was suppose t reduce my student loans from {$44000.00} to {$8000.00} if I paid 240 payments. I had to pay the first three months {$300.00} and the remaining months would be {$30.00} per month. 
I became aware of this XX/XX/XXXX when I received a call from XXXX stating I have n't paid them since XXXX/XXXX. They said I made a {$300.00} payment to them which I do n't remember paying so that must have been Premier paying on my behalf for that one time. 
I checked my credit report last month and discovered I still owe {$44000.00}. I received a call from Premier asking for me to provided income information and I did n't feel comfortable with it. So, I went on line and sent my income information to XXXX because they were the original loan company thinking that Premier would get the information. Premier then advised that they are a third party and not affiliated with XXXX. At this time I decided I wanted to cancel their services and stay with the known company of XXXX. Premier began to give me the run arounds. They would not give me an email confirmation of my cancellation. They just told me the check for {$330.00} will be sent to me, They did not verify that they will cancel the automatic charges of {$30.00} that they deduct from by debit card monthly. The number I call to reach the is XXXX and the case manager is XXXX. He 's extremely rude and arrogant. I have also spoken to a guy there name XXXX and neither one would provide me ID # 's or some form of cancellation receipt. They laugh in my face as though they have all the power. I just want them to cancel my service and refund my money. The main number to Premier is XXXX.
I have a debt reporting on my credit for medical debt that is not mine. I have no knowledge of this info nor do I recognize the remarks listed. This debt does not belong to me.
I receive calls at least once a day from Diversified Consultants , Inc. trying to collect a debt that has been discharged in bankruptcy. I consider this intentional harassment, as they know, since the debt has been discharged in bankruptcy, they are absolutely not entitled to collect on it.
XXXX XXXX XXXX XXXX XXXX acting as trustee continues to file fraudulent foreclosures against me with fraudulent documentation. I am attaching a copy of a brochure that they mailed to me that says that they are not a party to any court actions however, there is an impostor or XXXX XXXX  XXXX XXXX is the one committing fraud and trying to steal my house. XXXX XXXX acting as Trustee is either doing this or they will need to become involved in order to stop an impostor who is acting illegally in their name. I am attaching some of the fraudulent documents that are being claimed to have been filed by the trustee. The case can be found online at https : XXXX and attached you will find 2 fraudulent mortgage assignments that this impostor or XXXX XXXX XXXX XXXX XXXX have filed in fraud. The first assignment has proof from the attorney general 's office to prove that the assignment is forged and fraudulent and the last assignment is a prime example of robosigning because it states the alleged assignee on the first page and then on the second page the robosigner types the assignee name as another party not involved in the chain.
I FELL BEHIND ON MY MORTGAGE PAYMENT FOR 2 HOUSES I OWNED, IN XXXX, ARIZONA. THE MORTGAGE WAS HELD BY XXXX XXXX XXXX. 
XXXX PUT ME ON A 6 MONTH FOREBEARANCE PLAN FOR EACH PROPERTY. I MADE ALL OF THESE PAYMENTS ON TIME. THEY WERE LOWER THAN MY USUAL PAYMENTS. 
AFTER THE 6 MONTH PERIOD ELAPSED, THEY ASKED ME TO RE-APPLY FOR THE LOAN. I DID, THEN THEY DID NOT APPROVE THE NEW LOAN, TOLD ME TO STOP MAKING PAYMENTS, THEN THEY TOOK BOTH PROPERTIES. 
I HAVE YET TO SEE ANY DOCUMENTATION, AS FAR AS THE DISPOSITION OF THE PROPERTY IS CONCERNED. I DONT KNOW IF THEY FORECLOSED, OR WHAT.
I am filing this complaint to accompany the complaint I 've filed with the fdic. Bank of America has denied a claim I disputed in regards to a restaurant purchase in which I was displeased with service, treated rudely with my family and did not receive all the product I paid for. Bank of America has made an impossible demand for me to provide documentation that I did not receive all the products i ordered even though I posted a negative review of the restaurant immediately after the visit. Furthermore bank of America has reversed a provisional credit to my account and is now charging me overdraft and insufficient funds fees. On XXXX XXXX 2017, I called in to file yet another dispute in which a credit was issued and was lie to by a bank representative in the dispute department that the XXXX was added back to my account and that after both provisional credits were applied that I actually would have a XXXX balance. This is also in direct contradiction to a letter mailed to me that the funds were to be reversed on the XXXX of the month not the XXXX. This is just added to the constant ongoing issues I have had with bank of America. I have also had to file the second dispute because a charge was made to my account on a day I did not authorize. I have since then closed my debit card with bank of America for my checking account and did not order another since they have failed to honor disputed transactions.
Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report of Account name XXXX XXXX XXXX Account number XXXX ....
Several years ago XXXX bought out XXXX XXXX co. I paid my final bill off with them. XXXX takes over and my bill goes up but I pay them faithfully for past several years.Well my credit score dropped XXXX points in the last 2 days. I go online to find out an credit collection agency ERC has posted a unpaid debt of XXXX with all credit reporting agencies. When I called them about this they said it was XXXX, filed this against me and they did n't know what it was for. 
I went to XXXX and they said it must have been an old bill, when I requested them to give me proof of this they had none. I paid those folks off before XXXX took over. But what 's worse is they sent me a bill marked XX/XX/2017 which clearly states I had 30 days to dispute this charge today is XX/XX/2017. And they already reported this to all the credit reporting agencies. I am livid about this I tried very hard for the past 10 years not to have any negative credit issues and there about to do this as easy as taking candy from a baby. My complaint is ERC and XXXX. Why can they exhort consumers and get away with it. Something needs to be done about them, they do n't even have to prove anything. If I brought a case against them claiming they owed me I would have to prove it! 
Why do n't they have to? Why are they allowed to ruin someone 's credit? It took me 10 years to build it up!
As of XX/XX/2018, XXXX XXXX is reporting a currently open account that payments are being made on ( not late, current as of XX/XX/XXXX ) as a chargeoff and showing it was charged off for $ XXXX. They also show for the past year that the account has been in charge off status under the monthly payment record, which is also incorrect. They are also showing that 0 payments have been made on the account and that the most recent payment is XXXX, which is untrue. I have attached the payment history as well as the current account status. I contacted customer service whom gave me a mailing address and said that the credit reporting department doesnt have a telephone number. I also filed a complaint with the credit bureaus and they wont update the information either. The account is current and XXXX XXXX refuses to update the account status to the credit bureaus while still receiving payments from me. I have not received a response from XXXX XXXX and am mailing a certified letter to the PO Box on XX/XX/2018.
XXXX XXXX allowed someone to fraudulently open an acct in my name. The account was opened in a state I do not reside in and an address I've never resided. I filed a police report and have previously called XXXX 's cooperate office and spoke to them. I also went into a local office and discussed this. They admitted to not having any of my personal information on file but having numerous signatures of others on the account but not mine. XXXX deleted the negative account from my credit once they knew it was not me only to sell it to a collection agency. Now, XXXX XXXX XXXX., on behalf of XXXX XXXX XXXX has placed it back on my credit and requesting funds. I disputed it online with XXXX and I was notified that I had to request a dispute in writing from the other two credit bureaus. Once the debt was verified with XXXX  via online dispute, I received a notice in the mail from XXXX XXXX , Inc. stating they are representing their client XXXX XXXX XXXX. This is the first I am hearing from either of them due to them not having any information for me which lets them know I am the wrong person. The letter states it is a collection notice and their client has agreed to accept 12 monthly payments of {$150.00} as a full and final resolution on this account. Why would I pay half of something that does not belong to me? I have sent a debt validation letter via certified mail to XXXX XXXX XXXX, but I have read online through the XXXX  that people said their letters were returned to sender from XXXX XXXX XXXX. I want this handled in a timely manner as I only get 30 days to dispute and I sent it with 10 days left to dispute. On my credit report it says this was opened by XXXX XXXX XXXX on XX/XX/XXXX. Original creditor name : XXXX XXXX XXXX. The balance is {$3400.00}. I would like this removed from my credit report as it is not my debt. There is no legal binding contract connecting me to this debt nor any of my signatures or ID. I have only had XXXX XXXX XXXX cellular service since XX/XX/XXXX. I would also like the address reported to the credit bureau in connection to this by XXXX XXXX XXXX be removed. I have never lived/resided there and there is no verification/validation that can link me there. This is all false information reported and is affecting my credit negatively.