WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX at approximately XXXX, I spoke with XXXX XXXX in the insurance department at Santander Bank. 
XXXX XXXX had me on hold for 15 minutes and when he returned on the line he told me it would take a while to resolve my issue with the flood insurance. He said this was because of the situation in XXXX Texas. 
I was very upset hearing this news after I was told by XXXX XXXX on XX/XX/XXXX that I would receive a refund from Santander when I could prove that I had an active flood insurance policy which my insurance agent, XXXX XXXX, forwarded to Santander. 

XXXX XXXX then replied that he would have to put me on hold " until you calm down. '' I waited on the other line and after 10 minutes I hung up. 

I later spoke with a gentleman named XXXX that assured me that he would take care of me and I would receive my money back of {$1400.00} in the mail from the flood policy that was mistakenly added to my mortgage by Santander. 
XXXX XXXX left a message on XX/XX/XXXX stating that the problem was resolved and the {$1400.00} was put in my escow account.
They use numbers that the spoof to call me. They were calling me sometimes 10 times a day and because they were using numbers from any and everywhere I refused to answer. The first time I did answer, he said the same thing that most spam callers say, I am calling on a recorded line, this call may be monitored or recorded for quality assurance purposes like most real creditors do. Their business practices are fishy. They sent me a letter saying that they accept payment by XXXX XXXX and when I sent it, they refunded the payment and sent me another letter stating that they only accept payment by ach or mail in. American Express need to deal with better debt collection agencies. I do not mind paying them the money owed. But I refuse to give money to shade trees.
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( XXXX, XXXX, XXXX ), Early Warning, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that  XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.
Continually receive calls to my work at a desk number I no longer sit at. No messages left but if someone answers they are told something about serving a summons. I have never received paperwork from this company. Company is located in FL but is spoofing and using a local number
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquiries be removed : XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX I Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX
I have told Trans Union numerous times that they are reporting XXXX inaccurate, it is not currently 30 days late and that this account has been paid off for more than 3 years. Please see reporting below, the status should appear as paid and not delinquent. 

Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XXXX Status 30 days late ( this should say paid ) Loan Term 72 Loan Type Auto Loan Opened XXXX Reported XXXX Remarks Dispute resolved ; customer disagrees Creditor Information XXXX XXXX , GA XXXX Phone # : XXXX
I have been affected by eBay not documenting fees and Paypal Credit and Bill me Later Option in not correctly documenting transactions, laundering money, including me int contractual binds and misusing my funds available.
I was sent a collections letter dated for XX/XX/2018 for rent owed to an apartment complex that has lied about my move out date. I submitted my letter of dispute to the collection agency and the collector that I spoke with on XX/XX/2018. They said they would investigate. On XX/XX/2018 the collector claims that XXXX XXXX says that I moved out in XX/XX/2018, which is incorrect. I have documentation that I moved out on XX/XX/2018. I had a walk through with an XXXX employee on XX/XX/2018. Before the apartment complex switched management to XXXX, I submitted my 30 day notice to XXXX of XXXX XXXX XXXX. Once XXXX took over, I called him to verify that he gave them my notice, he said that he gave all paperwork to them. I have a copy of that letter. They are illegally trying to collect funds from me.
I 'm writing a complaint against US Bank for false and wrongfully reported information regarding my closed bank account to XXXX. U.S. Bank has reported a " transactions involving items are checks returned as uncollectible '' with Close your status " NOT REPORTED '' this information is nor true or valid. The complaint is inaccurate incomplete and a abuse of power. As documented on my federal credit report to XXXX 's and XXXX I have a credit freeze in multiple reports ab as documented on my federal credit report to XXXX 's and XXXX I have a credit freeze in multiple reports I filed regarding my identity being stolen and I am a victim of identity theft. US Bank close my checking account due to a negative balance this negative balance was related to deposits made into my account from XXXX XXXX 's personal checking account that was later revealed as a closed account. U.S. Bank debited my account twice without refunding the duplicate debit. U.S. Bank ignored my inquiry of account closure, documented identity theft, duplicated debited transactions without refund or cause. I think account was overdrawn for two days and I paid the negative balance in full receiving the rest of my funds XXXX laters in the form of a cashiers check via mail. All items FEES and ALL DAMAGES I PAID INCLUDING ITEMS OF FRAUD AND IDENTITY THEFT THAT WAS DONE TO ME AND VICTIMIZING MY LIVELYHOOD BY A CRIMINAL. A criminal I had subsequently fallen victim too and have been severely punished for acts done by a criminal. I want this account removed permanently from my file and U.S. Bank to held accountable for unethical participation engaging in fraud and identity theft, along with not following procedure and protocol with the theft of my money
I called the national credit report request number to obtain my free credit reports for this year because I am suspicious of fraudulent activity. I requested for all 3 reports and it has been almost 2 months since then and I still havent received them. Im concerned someone is using my information and just need to check my credit reports.
XXXX XXXX was informed via certified mail that the inquiries they made on my credit reports were not authorized by me, and had no permissible purpose. This is in violation of section 604 of the FCRA.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.
I have written 3 letters to Equifax to correct mistakes on my credit report. Despite my 3 requests the unverified items still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation and subsequent reinvestigation, Equifax stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA a credit reporting agency is required to promptly DELETE all information which can not be verified.
It sure would be nice if someone at JP Morgan Chase cared enough to thoroughly research this matter for a change rather than send the same old replies. I am not going to stop writing about this matter. <P/>I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. <P/>JP Morgan Chase is the sorriest excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone 's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. <P/>Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she could not take the payment because our account was under review for a loan modification, ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are recorded for quality assurance and training but obviously no one even cares to research any of what I have been reporting over and over again. <P/>They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. <P/>There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that didnt even seem to matter or account for anything. <P/>The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. <P/>They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless.
XXXX XXXX is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.
I had a home equity line of credit with Bank of America that is still showing as open after XXXX and a half years since my last payment. it then went to charge off status, but still shows as open. It should fall off my credit profile in the next couple of months. I have disputed this info with XXXX and B of A several times and they keep pointing the finger at eachother
XXXX shows an account open in the my name. I did not open this account. I have told credit reporting agencies this several times. They always come back and say it is mine. I would never open a XXXX account. I would like this resolved as soon as possible, because this is not mine. I fear someone is trying to use my name for fraud. While there are no charges owing on it now, I would like to get this straightened as soon as possible, before charges are accrued. Please take care of this, as I'm innocent person who did not open this account. I am in the process of buying a home, building a better and stronger credit, and I do not need this on my credit. If it was mine. I would accept that. It is not, and this is unfair, and illegal. No proof has ever been presented to me, that this is my account, when I know it is not. That is why there is no proof.
I had moved out to overseas on XX/XX/2015 permanantly but I would like to dispute the negative items on my credit report because they are not mine. 
I used to live in XXXX most of the time and I was living in XXXX for a short period of time. I feel like my room mate had stolen my information. 

1.XXXX XXXX  XXXX XXXX is not mine I have no idea who that creditor is and how that apprears on my credit report
I am one of the estimated 143 million Americans who was affected by the Equifax hack that occurred XXXX 2017. I 've worked hard to be in a position where I am financially secure. I will have to live the rest of my life, fearful of my finances being undone with the data stolen from Equifax. 

- Equifax has shown they can not be trusted to not securely manage my personal and financial information. 
- Their lax approach to securing my data that I did not consent to their gathering has put my finances at risk. 
- Not only have they stored my data unencrypted within their unsecured network they failed to address these issues and continued to lie to the victims. For example, this tool which was generating random answers and not actually informing people if they had been hacked. https : //www.equifaxsecurity2017.comXXXX - There has been a reckless disregard for the security of the information they have gathered on consumers. Their inability to be transparent and truthful has made it impossible for consumers to secure their personal data. The very company consumers have to work with to remedy the crime can not be trusted.
OnXX/XX/2018 I was reviewing my credit report and noticed that CBA COLLECTION BUREA was reporting and account that is a result of fraud. Upon further review, I contacted the original creditor, XXXX XXXX XXXX XXXX XXXX, and they had the wrong address and their records their records did not match. I was informed that the account was sold to CBA COLLECTION BUREA and the was no longer their books that I had to contact CBA COLLECTION BUREA which I did. I first spoke to a XXXX. I notified him that I was calling because there's an fraudulent account being reported on my credit file. Upon him locating the file he proceeded to request a payment and how did I plan to pay for this debt, that they take credit cards. I was so upset that he totally disregarded the fact that I noticed him that this was a frauduant account. Thats when I requested to speak to a supervisor. I was transferred to a XXXX XXXX who gave me boilerplate information and was requesting a police report and proof of residence for the time of service. I asked her to red flag the account and to stop the collection attempts. She agreed to send me a ID Theft packet. My biggest concern with this collection company is that they are trying to collect and account that is not mine and the fact that they have reported a fraudulent account to my credit report which has affected my employment due to the fact that my job is credit sensitive. I concluded the call but did informed that I will be filling a complaint and a FTC report.
We are receiving calls from XXXX XXXX XXXX XXXX. They are attempting to contact someone with the last name of XXXX. We have had our phone number since XX/XX/2006. When we first received this number we received debt collection calls for a person named XXXX, who I guess was the prior holder of the phone number. ( XXXX )
Cash Call has listed a charged off account on my Credit Reports. They were sued by the CFPB and State of California for violation of lending practices and state limits. The debt in my state, CA is invalid.

They claim they did not attempt to collect on the debt, yet they have not removed it from my reports, nor have they ceased collection attempts. The " debt '' is also 7 years old and would need to be removed even if it were a legal loan. 

They also stated that they were to charge {$95000.00} for interest on this " debt '' They have threatened suits and continue to claim the debt is legal went it is not.
I 've never received any thing written or on paper concerning this debt, first of all. I knew I fell behind on payments, but did n't think it had been that long. I did n't know it had gone to collections until this guy started calling. When I did n't call him back, he has started calling my work place. He was hostile and demanding personal information like my social security number. I told him he is not allowed to call me at work, so he then called human resources to tell them to have me call him. My job is now at risk, and I could be fired if he continues to call, even though he has been asked not to.
Entered in a mortgage modification with Franklin Credit Management Corp in 2011, terms : " A '' .give them {$150000.00} which I gave them, " B ''. Make XXXX payment of XXXX a month for 6 months which I did, " C ''. I was to be giving a permanent modification once A and B were completed. Permanent modifications agreement terms. {$150000.00} mortgage over 40 years with monthly payment of {$930.00} a month, balloon payment end of 40 years of {$170000.00}. Pay my own real estate taxes and home owners Ins. ( no escrow ) They are still trying to foreclose and will not honor the agreement. They now have another mortgage servicer involved XXXX mortgage servicing, XXXX new York.
On XX/XX/XXXX, I finally received a copy of my TransUnion report number # XXXX, dated XX/XX/XXXX. 

I immediately noticed an error that was disputed and removed ( 2 ) years ago, specifically TransUnion has added under reported names : XXXX XXXX XXXX which is not my name nor have I ever used this name. 

Trans Union then would not allow me to dispute this and other inaccurate information contained in my credit report. TransUnion said I had to provide proper identification. 

To obtain said report I sent TransUnion a copy of my social secuirty card, U.S. Passport and XXXX XXXX bill via certified mail which verified my name and address. 

TransUnion refused to send my credit report until I provided this information and after I filed mutiple reports with CFPB to attempt to obtain said reports. 

In addition, I filed several complaints with the CFPB against TransUnion and XXXX XXXX who reported this name in error in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX 's sent TransUnion several letter requesting removal of the name XXXX XXXX XXXX from my file. 

This information was removed and apparently re-inserted without the consumer knowledge in voliation of FCRA. 

Therefore, I am again filing formal charges against both Trans Union and XXXX XXXX for voliation of the FCRA. XXXX 's intentionally created this problem with the credit bureaus in retailation for several complaints I filed with the CFPB against XXXX XXXX.
TSC is non-responsive and is not providing any form of verification, either in this or the other responses, nor over the phone. What XXXX XXXX provided is simply a copy of a bill in my name. I believe this bill was made in error and have requested proof that I was the one that received this service. A simple bill with my name on it does not prove this is my bill. As it is not my responsibility to prove this debt, I consider this debt invalid until TSC can prove that this is my debt and not an error on their side or the originator of this bills side. 

My Rights Under California 's Fair Debt Collection Practices Act and TITLE 15 -- COMMERCE AND TRADE, state that I must be provided proof that I owe the debt. Simply providing a bill with my name on it is not proof of responsibility. The fact that TSC states that they " believe '' this " account is accurate '' is just their opinion, not proof or validation of the debt. As such TSC is violating my rights. 

In addition, TSC has not proven that if this is even a valid debt, that they have been assigned the debt for collection. 

As I stated before, the continued reporting of account, # XXXX, for the current amount of {$220.00}, without all the above validation has caused me harm, and will continue to cause harm. As I have now brought this to their attention multiple times, and their refusal to remove this from my report until such time as they can provide debt validation, is a violation of my rights under the California 's Fair Debt Collection Practices Act.
I borrowed a short term loan in 2015 from XXXX XXXX in the amount of XXXX. I made payments of {$140.00} every 2 weeks for almost a year for a total of {$2100.00}. It turns out NONE of the fees went to pay down the loan or toward interest and it just turned into one long vicious cycle. Now they are harassing me sending threatening emails trying to make me lose my job. They say in the emails that a court case was filed but the court said none existed. I received a text from them recently that said be at my house at XXXX to be served papers. No one came to my house. I am very frightened of their tactics and not sure if they are sending someone to threaten me in person. Then I received two letters from a couple weeks apart with one backdated to XX/XX/XXXX and another dated XX/XX/XXXX. The XX/XX/XXXX letter references a letter a never received and the XXXX said I had run out of time to validate the debt which is a violation of the 30 days allowed under FDCPA Section 809. I think they have done this as a form of harassment. I feel as if they are loan sharks capable of doing whatever they want to me.