WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom Concern, I have been trying for a home modification since XX/XX/2013.My mortgage was with XXXX-After over a year of submitting documentsI finally got an approval only to find out that my mortgage was " Transferred '' to Nationstar.I had to start all over again.So for another year of submitting my papers again and the Bank always declaring they were missing something-I declared Chapter XXXX to save my home that my XXXX children and myself live in.It has now been over a year of submitting documents and I was denied a modification.I appeal and found out today that I was denied again.I have been at the same job for 23 years and want to keep my home.
I first tried to obtail my free annual credit report online at XXXX. I answered every question that was asked including giving my Social Security number. The online response was that they could not identify me and gave me a phone number to call XXXX. 

I called the number and answered all the questions asked including my Social Security number. in late XXXX I received a letter informing me that they were unable to honor my request for a free annual credit report because I had not provided sufficient information for them to verify my identity. 

I followed the save procedure for XXXX and they were able to send my free annual credit report.
I am a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted XXXX, TransUnion, and XXXX to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I am requesting assistance and intervention to resolve what I consider illegal business practice involving a recent vehicle lease. Evaluation of documentation might help reveal any one or more of the following possible violations of consumer law. Misrepresentation, Fraud, Unethical / Deceptive Business Practice, Concealment and at least, obvious violation of Truth-in-Lending Laws.

XXXX XXXX XXXX ( World Omni ) approved numbers for an auto lease where a payment obligation exceeds total monthly income. Did XXXX  hide the source of a conjured {$4000.00} from the main lender presenting it as cash to contract to offset customer low income level in order to get loan approval?

If the financing had been disclosed openly and in a legal manner I would have refused the deal and walked away. XXXX XXXX   knew this and proceeded in their best interest to hide the true terms of the contract agreement. At an initial point in the contact process I made full disclosure of my income being limited to SSI of {$490.00} per month and inability to come up with any down payment. I reside in a XXXX   county Section-8 rent subsidized unit.

The monthly obligation was shown as {$380.00} paid to XXXX XXXX XXXX ( Acct : XXXX ) only. As required I have made the required payments of {$380.00} to XXXX XXXX XXXX. Until, after months had passed, a billing from a XXXX XXXX started showing up asking payment of {$40.00} per month which quickly increased to {$110.00} on a balance of {$4000.00} the exact figure shown as the down.

This sleight of hand salesmanship now presents a monthly obligation of {$380.00} plus {$110.00}, a total of {$500.00} payable from my {$490.00} monthly SSI benefit. All documents as referred to herein and the entire " brief '' are available for review. These would have to be sent regular mail only as the cost of scan to file and emailing is cost prohibitive.

Attached is full description of the circumstance.
The local bank, BB & T took it upon themselves to transfer ( debit ) XXXX from a joint account used for paying bills to a personal account in order to pay themselves fees. 
My personal account has been in the negative due to a deceptive order of putting two checks ahead of debit card purchases. The funds were in my account at the time I made the debit card purchases, yet the bank did not post them in real time. Instead they posted two previously returned checks first days after the debit purchases, then the debit card purchases. This manipulation caused my account to incur fees that were well over the amount of each debit card purchase and the sole reason I had opted out of overdraft for my bank card. Simply put, the funds were in my account and held by the merchant at the time of purchase. This hold shouldve automatically become a charge at the close of the business day and posted by back office by midnight. Instead, back office rearranged the order making it look like there was no money at the time of purchases and hitting me hard with NSF fees. 
If I didnt have the money at the time of the debit purchases and I specifically opted out of OD for my debit card, how was I then able to make the purchases in the first place? 
I understand having to pay NSF fees for returned checks, but this deceptive practice on the part of the banks to get as many fees as possible should not be allowed. 
At the time of opening my accounts it was never told to me that along with fees the bank will also charge XXXX a day for being negative. I found my personal account hundreds of dollars negative in a short amount of time and tried to resolve it in branch unsuccessfully. 
Yesterday my account was now XXXX negative, the bulk of which was fees and the bank took it upon themselves to go into an *unattached* joint account, with NO PRIOR WARNING VERBAL OR WRITTEN, and steal XXXX which means bills I paid WILL BE RETURNED AND I WILL INCUR MORE FEES!!! 
I called customer service and spoke to XXXX who DID NOT WANT TO HELP. Transferred me to the OD department WHO WAS CLOSED!! 
My next complaint filings will be with the Comptroller and Attorney General.
On   XXXX    , I received an alert from  XXXX  credit monitoring about an new collection account added to my credit file.   On   XXXX    , I contacted the listed collection agency on my credit file for the complete account number of the said account. On that same date, I wrote the collection agency a letter requesting validation of the debt. Attached to this complaint is a copy of that letter.   I have also received confirmation from the  USPS tha t the certified mail was successfully delivered to Midwest Recovery Systems.   On  X/X/17    I called Midwest Recovery Systems again and they either hanged up the phone on me or transferred my call from  one agent to the next.    On  X/X/17   , I sent a fax to both  XXXX  and  XXXX  of the letter of validation that was mailed to  MRS .    After receipt of my request to validate the deb t, Midwest Recover  y System continu es to report this debt to both  XXXX  and  XXXX .
I closed an account with XXXX, 3 months later i check my report to see that I am 90-days late on the closed account. I went into branch office the following day and was told that there was a charge that went through after the account was closed and That I was resposinble for knowing that even though the account says it has {$0.00} balance to the branch manager. I have since paid off the account but XXXX refuses to revert the negative impact on my credit that was due to their transaction systems.
I have a debt on my credit score from cavalry port. I have no idea who this is for or where it is from. There is another one in my credit report from XXXX. Which is another one that I have not received any letters from them. I have recieved 2 calls from cavalry port saying they are going to take legal action against me. And I 'm assuming they do n't have anything to prove that the debt is actually mine.
TransUnion is still showing a federal tax lien on my credit report which was removed and withdrawn by the Internal Revenue Service on XXXX. The other XXXX main credit bureaus properly removed this from my report
XX/XX/2018 I mailed in a certified letter to XXXX for AR Resources INC, requesting Debt Validation, and to be legally validated in 30 days from the date of the letter.
I have been a victim of identity theft and have since engaged XXXX to monitor for account openings, financial activity, etc.. using my SSN and/or name. On XXXX XXXX, 2015 I received multiple notifications from XXXX stating that checking/savings accounts had been openend in my name using my SSN. I quickly contacted Wells Fargo, provided all identifying information and offered to go to a branch and provide my ID and SSN cards as proof. I was informed by XXXX that XXXX checking accounts ( with XXXX debit cards ) and a savings account had been opened using my SSN and name however the ID info was different. I informed XXXX that I did not open the accounts and they had been opened fraudulently. I requested the acocunts be CLOSED IMMEDIATELY and was subsequently told that the accounts can not be closed until I obtain a police report and complete a Wells Fargo form. These accounts are opened in MY NAME AND MY SSN but I can not close them without taking off from work and going to file a police report, then having to take off AGAIN to go pick up the police report and submit along with the Wells Fargo form so they can conduct an investigation before the accounts can be closed. This is Ludicrous! I have had a mortgage with Wells Fargo for several years and they can clearly see I live in XXXX yet they knowingly opened accounts in XXXX without properly verifying the identification of the individual because if they would have verified the ID they would have realized it did NOT MATCH what they had on file for me! Wells Fargo has failed XXXX and XXXX responsibilities and I am being punished for their lack of concern for these policies!
Unable to temporarily lift Equifax credit freeze after repeated attempts, both online and call in to their automated number at XXXX and Customer Care (! ) number XXXX. This was necessary because I was informed I already had an account but I didn't have the PIN to access it. 
1 ) First call placed at XXXX, XXXX, XX/XX/18. I furnished all required information at automatic prompts but the call was disconnected at the very end. 
2 ) Second call placed at XXXX. Call staff person informed me that Equifax systems were down and I should call back in half an hour. 
3 ) Third call place at XXXX one hour later and was told the system would be down for another hour and to call back later. 
4 ) Went online at www.equifax.com to verify I had an account with Equifax. Website confirmed I had an account and confirmed the email associated with the account but I didn't have the 10 digit PIN to access it. I filled out all of the required information and requested a PIN reset. I received confirmation from Equifax that an email had been sent to the email associated with my account. Checked email repeatedly on and off over next 5 hours but no email was received from Equifax.

5 ) I called XXXX again around XXXX XXXX  and informed call center person that I had not received the email to reset the PIN. Then was asked to furnish all of my personal information over the phone, including all credit cards, revolving credit credits, along with current balances, all of which I furnished. I couldn't understand why he needed this detailed information as he said he already had my account up on the screen. I was quite angry and frustrated with this ongoing rigmarole for a simple temporary lift on the freeze. After answering all of the questions, I was informed that I would have to resubmit hard copy of all this information via mail before they could do a temporary lift!!!! 
6 ) I asked to talk to his supervisor but was told he wasn't at present available and if I left my phone number he would call back. Then I hung up. I'm still waiting for the phone call.

7 ) Equifax is throwing up way too many roadblocks to what should be simple online tasks i.e. help consumers manage their own personal credit data. Whether this is through simple incompetence or malicious intent, it defeats the whole purpose of the new credit bureau guidelines. Based on my experience, I have concluded that Equifax appears to have no intention of following any guidelines 8 ) Equifax has already had one major security breach that compromised the personal credit of up to 143 million Americans. This place needs to be shut down. At a minimum, stiff financial penalties should be imposed until they clean up their act.
D espite the evidence I have provided indicating that the Collection Agency    XXXX   XXXX   XXXX   violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX  /2016  and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /   2016 after  I was notified about it on  XXXX / XXXX /   2016  -- the  Credit Reporting Agencies  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  Collection Agency assig ned to it.
I received a letter from Grant and Weber, when you call the number you get only offer after offer, you can not enter the extension given on the letter. Then you are given a new number telling you the original number has changed, but it is more offers. I am unable to speak with a live person about this debt.
Filled out an online application with a company called NORTHERN PLAINS FUNDING, I was then sent a series of pre-approval emails ( XXXX ). Opened the emails to find " YOU ARE APPROVED-sign your loan documents for money to be deposited next day ''. I did not sign them right away as I wanted to wait and see if I could cover my bills without having to take out the loan. 2 days later I signed the paperwork electronically and submitted. The following day I get a call from the North Plains Lending saying that they need to do a verification process with me regarding my employment, banking, etc. I asked why they had me sign loan documents before doing this and she said this is our process ... .this is not a good process as they have asked me to sign documents saying I agree to all their crazy terms and to doing business based on a reservation, etc. and then they do n't even have you approved.
greetings, XXXX ago, i recevied a prepaid visa card as a gift. it was issued by PAYPOWER/XXXX : card no. XXXX XXXX XXXX XXXX ; expiration XXXX ; security code, XXXX i activated it last week and everything appeared fine until i attempted to make purchase. i was told there were NO funds in the account. i called PAYPOWER and was told that i had to give them the original amount loaded onto the card before it could be activated. well, since it was a gift, i 'm unsure if i ever knew the original amount, and if i did, i have long forgotten. these cards are usually affixed to a display card that shows a range of values. a value is not shown on the card itself. also, gift givers do n't customarily tell you the value of a gift. " here XXXX, this is a shirt i paid {$50.00} for. '' just not done. i called XXXX who is the issuer of the card. i was told someone would contact me within 24 hours. no one has. my guess is that if a card is not activated within a certain period of time paypower cancels it knowing full well that the recipient either never knew the original amount or has forgotten. if the card was purchased by an individual to pay bills etc., that 's a completely different situation. prepaid cards should remain usable until the expiration date. THIS IS A RIPOFF!!! i have a card which someone paid good money for that is now worthless. PAYPOWER/XXXX can not be allowed to cheat consumers with impunity. i hope the full powers of the CFPB will be brought to bear against these unethical entities.
I purchased on my Chase Visa card an unlimited private plane package from a company called XXXX. When I tried to make my first booking I was unable to get confirmation numbers. After repeated calls and emails to XXXX over the next 3 weeks, I emailed them as well as sent them a certified letter cancelling the service. This was due to the fact that they were unable to provide the service. I then disputed the charge with my credit card company Chase. I was denied, the reason being the item I purchased was non refundable. 
I then refiled with Chase private banking directly, stating the company was a fraud, had never provided service, so the dispute was for lack of service or services never received. Visa / Chase answer was denied to to Billing error, which was never my dispute. Chase said they would look into it. They then said the issue was, Visa made the determination and my dispute was with Visa. By this time I was proven correct when XXXX ceased operations and closed its doors. They just took the money and ran.. They took Millions of dollars and there is no government oversight or arrest being made to a company that steals people 's money and runs away.. 
I am out {$15000.00} plus accruing monthly interest payments.
I have a closed Walmart credit card i opened in XXXX of XXXX and it was charged off in XXXX.and sold to XXXX XXXX  which i paid. But this account was updated in XX/XX/XXXX which it shouldn't .since it hasn't been active in 6 going on 7 years, The Walmart credit should be deleted off my report.
My wife and I purchased our home at XXXX XXXX XXXX way XXXX, Arizona in XXXX of XXXX, being young parents we were excited to have been able to accomplish this goal. All was going perfect until around XXXX of XXXX, when our only family vehicle was stolen, at this point we missed a mortgage payment and planned to catch up as soon as possible. Regrettably in XXXX of XXXX we fell behind by 1 more payment due to some unplanned expenses. Still attempting to bring our loan current and keep our house while also minimizing damage to our credit we made sure the loan did not go past 59 days delinquent. Around XXXX of XXXX we received a letter from the lender advising that we needed to bring the loan fully current by making a full payment exceeding {$1700.00} dollars. They advised if we did not pay the full amount they would refuse our future payments. I did not know they could do this and at that point I called them and told them they could not, at which point they advised me they could. So I consulted family to see if they could help which they could not so the only option was to stop paying and plan for the worst. Around XXXX of XXXX we had received written and oral communication about a loan modification being offered to us as part of the making homes affordable program. As part of the program we were advised to make trial payments in the amount of {$600.00} which as agreed we did, this can be verified by reviewing the payment history letter Ocwen sent us on XXXX XXXX XXXX. We also to be safe made sure that when we had to sign and return forms we put them with our checks and mailed them together in the same envelope. During the trial period we received a letter, the letter advised us that the loan modification was cancelled as the bank did not receive the final signatures agreeing to the loan modification. I called the bank and requested an appeal immediately, pleading with them to review the issue advising that we sent everything requested and asking them logical questions like if I did not want to comply why did I send the loan modification payments as agreed. I also advised them that the signatures were with the checks sent to them. I was told that at that point no appeal would be allowed and that the house would go to a foreclosure auction in XXXX of XXXX. Having no funds for an attorney I thought hope was lost until I met a lady recently who advised me to start a complaint with the Arizona attorney general 's office, which brings us to this point. I am humbly requesting as a husband and father of XXXX kids who depend on me for your help in righting this great wrong.
I USED FORBEARANCE AND DEFERMENT WITH LOANS FROM XXXX AND NAVIENT. I WAS OUT OF STATE WORKING AND STATEMENTS WERE GOING TO MY PERMANENT ADDRESS. THEY DID NOT USE THOSE TOOLS AND MARKED ME SERIOUSLY DELINQUENT. UPON LEARNING THIS I CONSOLIDATED AND PAID ALL EXISTING LOANS IN FULL. SOME OF THESE LOANS ARE OVER 10 YEARS OLD AND THEY REFUSE TO STOP THE NEGATIVE REPORTING, EVEN THOUGH THEY ARE PAID IN FULL AND I  HAVE NOT BEEN LATE WITH THE DEPT OF EDUCATION IN YEARS. I HAVE DISPUTED WITH CREDIT BUREAUS MULTIPLE TIMES WITH NO SUCCESS.
XXXX XXXX XXXX of XXXX XXXX XXXX repeatedly calls multiple times a day. This is over an alleged debt from XX/XX/XXXX in which I do not recall having this credit card at all. Firstly, I do not believe this to be a debt I owe. Secondly, it would be way past the statute of limitations to collect anyway. I have conveyed these points to XXXX XXXX, to which he has talked over me and insisted that I explain to him my personal activities over the past 10 years and that I need to pay him today. The most recent phone call to which this conversation was had was today, XX/XX/XXXX. Please find below a list of dates and times he has called as of late and that is just what we can prove for this week. We anticipate there will be more. 

XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX
I contacted USAA five months ago regarding fraudulent activity/ identity theft on my credit report from their Organization. After submitting the claim 4 separate times ( since XX/XX/XXXX ) with backup documents including a police report they have closed each request/claim stating no fraud found. During the course of my submissions I continuously have to call back to obtain status updates - they only contact me for collections ( 2-4 times a day ). Ive been put on hold more then 10-15 minutes, transferred numerous times and been disconnected every single time Ive tried to obtain status on the claim ( 17+ times ) since XX/XX/XXXX. In XX/XX/XXXX alone Ive called and/or submitted to USAA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with Police Reports, account breakdown and the Federal Trade Commission backup. Ive spoken to the Executive Fraud Department ( ERT ), Identity Theft Dept, Fraud Dept, Consumer Lending and the Credit Card Fraud departments. None of the information seems to be visible to other departments nor do they know how to address the fraud issues to provide specific feedback.
XXXX XXXX I dont know nothing about this account its fraudulent please remove. I explained to the credit bureau that DMV have informed me that there are 2 other individuals in XXXX Florida has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information all the can do is informed me of the issue. They however stated that the bureau can request a copy of the information and they will send it to them directly. However, the bureau refuse to request a copy, and continue to retain the information on my report. Please call DMV the account does not belong to me.