WillisBack/dataset-financial-user-claim huggingface dataset:
As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 
Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 
If XXXX modifies the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request. If you have any questions, please reach out to me at the above address.
I mailed a VALIDATION letter to kohls department store on XX/XX/2018. I got a copy of my credit report and do not recall this store card. I NEVER got a reply from the company and it's way past the 30 day grace period. As per the FCRA 30 days response is typical and VALIDATION is a contract and or lease signed. I'm asking the company provide that or please delete this credit card from my credit as its causing me distress.
XXXX violated 15 U.S. Code Section 1692 the Fair Debt Collection Practices Act, they are not a creditor they are a debt collector. 
XXXX XXXX, XXXX a complaint was submitted with Consumer Financial Protective Bureau Case number : XXXX for that violation ; They also violated 18 U.S. Code Chapter 63 - MAIL FRAUD AND OTHER FRAUD ; 18 U.S. Code 1341 - Frauds and swindles ; Received a XXXX for Principal Dwelling Note Account Number XXXX postmarked XXXX XXXX, XXXX
MONEYGRAM REFUSES TO ACKNOWLEDGE OUR CLAIMS THAT WE WERE VICTIMS OF A FRAUDSTERS TRIO WHERE IMPOSTERS POST ADS ON XXXX AND BAITS AND HOOKS VUCTIMS ARE THEN SENT TO XXXX   MONEY SERVICES AND DIRECT TO AGENT TO WIRE TRANSTER MONIES TO SCMMERS. 

XXXX XXXX XXXX XXXX VICTIM OF SAID TRIO XXXX XXXX XXXX XXXX VICTIM OF SAID TRIO.
Received a letter from Stoneleigh Recovery Associates LLC and trying to collect the balance due for XXXX that has been resolved for so many years ago.
Apex resolutions out of XXXX NY, called me for the first time on a rotor dial call, said they were seeking out employment verification and would pursue collections on my bank accounts. Have it all recorded.No fdcpa required announcement of a debt collector or identification of the company calling. Just threats on the very first call
I have an auto loan with XXXX XXXX Bank, not by my choice, this was the bank the dealership dealt with when I purchased my car. I have been paying on this loan, on time with exact payment needed each month, for over a year. Since the recent issue with XXXX XXXX, I decided I would like to refinance my loan through another bank. I found, what I thought was a " reputable bank '' to assist in this matter. I decided to attempt to refinance my loan through Fifth Third Bank, as they had a special of three months deferred monthly payments, which would have helped me immensely, since I am on a limited income of social security XXXX. The banker I dealt with is at the location of XXXX XXXX, XXXX, XXXX. named XXXX. I do not have his last name, but would be able to get it if needed. 
When we reviewed the load refinance, the day I was there with him, he informed me I may be able to get a lower interest rate also. That was last week. Again, at the time, he ran my credit and stated that I have a credit score of XXXX, which not only allows me to be approved, but also will lower my interest rate. 
I received a message from XXXX last Friday, XXXX, to return a call. He did not state on the message that it was urgent, so I did not have a chance to return the call until Monday. When I returned the call, I had to leave a message for XXXX, another back employee, as I was then told that XXXX was on vacation this week. I was playing telephone tag with XXXX, who left me a message on Tuesday that my loan HAD NOT been approved. I was shocked, as I actually saw paperwork that showed I WAS APPROVED while in XXXX office. I could not reach XXXX to speak with her directly until I tried to reach her several times on Wednesday, XXXX. At the last time I tried to reach her on this date, I again spoke with another bank teller, XXXX, who told me she left to go home early today. So I told him I needed to speak with SOMEONE TODAY. He then directed me to XXXX, who informed me that my loan has been denied, for various reason, NEVER EXPLAINED TO ME PREVIOUSLY. XXXX was quite rude, stating she was, " only trying to help me. '' I told her maybe I was being rude but I did not appreciate being told one thing and then something else entirely different the next time. She apologized, and said " the loan is not done until all the paperwork is signed. '' I told her I DID SIGN PAPERWORK WHICH WAS SUPPOSED TO BE THE FINALIZATION OF THE LOAN. 
I guess no bank is worth trusting any longer. I had a home loan with XXXX, who was supposed to help those of us who had financial problems in 2008, attempting the HARP loan 3 times without success!! That was just a big farce. Now I have an auto loan with XXXX XXXX and we all know the corruption of that bank! I have my banking with XXXX, never had a problem with them, if they do something I will be XXXX for XXXX with all the big banks, NOT TO MENTION THIS ISSUE WITH A BANK I never heard of. I hope you will do all you can to assist me in this matter. Sincerely, XXXX XXXX XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX
I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my Trans Union,  XXXX and XXXX credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX
I was trying to sign up for the community college around XXXX 2015 and my cousin dropped me and my other cousin off there. I accidentally left my bag in the car when she took us home and not realizing that I did until she had left. A few weeks later I needed my birth certificate and when I could n't find it I remembered that she took us to sign up for school. I asked her over and over again about my information and she tried to make it seem like she did n't know where it was at. So a few weeks after that she called and told me that she had my social security card and birth certificate and that she would take it to her mothers house. I went over to get my papers and my aunt said that her daughter never came over that day and my cousin was swearing up and down that she did. After that she stopped answering my phone calls so I went and filed a police report. I 'm just now figuring out that someone is using my information to open bank accounts in my name. I filed the police report in XXXX of 2015 but I 'm just now finding out about fraudulent behavior using my information. I was calling my debit card to check my account balance and I got lazy and did n't feel like typing in the whole card number so I just typed in my social and birthday but it said that I have multiple accounts using my information. I should only have XXXX account which is my checking account but it was saying that I have multiple accounts so I instantly knew that something was wrong. If you can please help me and contact me soon as possible I will greatly appreciate it. Thank you
My mortgage Servicing Company, Shellpoint Mortgage Servicing, made a mistake when it paid my insurance renewal premium not once but twice in XX/XX/XXXX. It paid the insurance premium from the loan for the property to be insured and again from my other property 's loan ( which was already insured with a different insurance company and was not due for renewal until XX/XX/XXXX ). Then Shellpoint did an escrow analysis for XXXX properties based on the incorrect information generated by its own mistake and increased our mortgage payment for XXXX properties by nearly $ XXXX/mo total. When the insurance company refunded the overpayment, Shellpoint credited the wrong account. Despite my efforts to sort this out by phone on XXXX different occasions, nothing has been done to remedy the situation. I am just getting the runaround. No one ever does what they tell me they are going to do.
Trying to get a judgement/tax lien off my report, it has been satisfied/paid off and is preventing me from getting loans and credit in my name.
I have requested validation of the debt XXXX XXXX XXXX XXXX seeks to collect. I am not certain I actually authorized this debt for many reasons. I have not resided in XXXX, NE since XX/XX/XXXX this debt was accrued in XX/XX/XXXX. My wife is usually the responsible party for all medical matters as she is typically the one who takes the children to the doctor. The hospital had a bad address on file. The debt collector has been unable to furnish anything used to verify identity prior to providing services. The account information I have been shown does not have any of my personal identifying information. 

FURTHERMORE, the collection agency is trying to collect an amount that is inconsistent with the original creditor 's records AND they have re-aged the account to make it appear newer than what it actually is to cause maximum damage to my credit report. Both actions are violations of the FCRA and FDCPA.
I leased a XXXX XXXX 3 to 4 months ago from XXXX XXXX XXXX. I told them I needed my lease payment due date changed from the XX/XX/XXXX of the month to the end of the month they said no probllem just contact XXXX XXXX they will change it. I called them and requested it be changed they never did it. I called again following month told them to please change it they didnt, I called again a 3rd time and told them to change it and they said they would but didnt now they claim they cant change it due to some requirements I was never made aware of
Original Debtor - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Bill for services not rendered ( wrong patient ) Original debtor submitted to AR Resources for collection.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I contacted original debtor who contacted AR Resources to request it be removed.

I contacted AR Resources who claimed it would take 30 days.

It has been 60 days and the items is still on my credit report. 

Multiple attempts to resolve the issue have failed
XXXX XXXX IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.
On XXXX XXXX, XXXX, the XXXX XXXX XXXX Ohio Bankruptcy Court discharged my debts in a Chapter XXXX case ( # XXXX ) by the Honorable XXXX XXXX XXXX, U.S. Bankruptcy Judge. XXXX of the discharged debts included a student loan with the U.S. Department of Education in the amount of {$3100.00}. 

Since then, I have been subjected to ongoing harassment and illegal tactics by several collection agencies -- all of which I 've had to dispute sooner or later. The latest agency, FMS Investment Corporation. FMS has unlawfully threatened wage-garnishment unless I pay in FULL - which includes provision of personal information to their agency ( employer, wages, bank accounts, revolving credit, disposable wages and tax return info ). I sent the XXXX Bankruptcy discharge documentation requested by FMS in my " objection '' to the wage garnishment and " request for hearing '' within the deadline period. The documents were sent to FMS certified mail ; signature required/return receipt via USPS on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX I received another correspondence in ( form ) letter from FMS. This letter states : " you have provided no evidence or application to support the objections or claim for discharge relief that you raised in your request for hearing. '' That statement is 100 % false, as I consulted my XXXX Bankruptcy attorney to request the exact documents being requested by FMS to settle this once again. 

In addition, my Federal Income Tax Return has been seized many times over the last 16 years. I have n't seen a tax return refund for many years. 

I would welcome any feedback and eventual recourse -- and to finally put closure to this neverending nightmare. The next deadline imposed by FMS is fast approaching : XXXX/XXXX/XXXX. 

Thank you for your time and consideration, XXXX
capitol one h as been harassing and delaying removing negative items on my report that have been obtained with out my authorization, this has a negative reflection on my credit report.
Prestige Financial contacted XXXX of my references and gave detail information on her voice mail regarding my account : My account number, the amount of days past due, My full name and also other confidential information that was not permitted to give out to any unauthorized 3rd party. 3rd party ( reference ) advised Prestige Do not Call her phone any more and she was called several times after that. I have received threating emails, text message and calls multiple times a day.
this is my third time at citizens and it concerns a home equity loan. We paid it off before the term was up and they charged us a penalty fee of XXXX plus XXXX doc fee We were never told this by the XXXX who closed the loan and citizens keep sending us this unsigned document made out to my wife and not me could you mediate this it is not a way to treat a customer who has been with them for many years e
Wells Fargo. This is my XXXX complaint. This time, no one will return my call to let me know what my monthly payment would be IF I decided to pay off the taxes that they paid for me in full.
On XX/XX/XXXX I entered into an agreement to pay a monthly amount on an old bad debt for a reposessed automobile with Westlake Financial ( located in California ). 

Original loan # XXXX Original last name on loan ; Word I have faithfully paid on this debt, some months more than the agreed to minimum. 

I have been trying for several months to get an account statement showing what the balance owed is, IF ANY, as I believe this debt should now be paid in full after all these years of paying. 

I have called and requested the account statement, I have used Westlake 's online customer contact form, I have emailed.

In about 6 months time I have had 1 person reply, asking me for additional information and then stating she sent my request to the appropriate department. This response was from a XXXX XXXX on XX/XX/XXXX. 

I still have nothing from this company. 

I believe this company is fraudlently collecting my payments and refusing to send me an account statement so that I won't know the debt is paid in full. 

I notified them in writing again today that I still need a response and that until its received I am now holding all payments in a savings account. 

Please help me.
On XX/XX/XXXX I had a medical bill due to XXXX hospital failing to get insurance information at the time services were rendered. Moved out of state and did not receive notification of bill. Hospital than sent to collections. In XXXX I disputed this bill with that collections agency and it was removed from credit report. In XXXX of XXXX this bill was than added back onto my credit report and negatively re aged by XXXX. Disputed again with them to which they have no success and do not plan to age the account to the original date.
THESE MEDICAL ACCOUNTS ARE INCORRECT. I HAVE HAD MEDICAL INSURANCE ALWAYS. IMPROPER FILING ON ACCOUNT. THESE ARE ALSO SHOWING FROM 2010 WHICH IS ALMOST 6 YRS. I HAVE CONTACTED THESE ACCOUNTS IN THE PAST AND GAVE ALL INSURANCE INFORMATION. BUT IS STILL SHOWING IN CREDIT REPORT AND IS DAMAGING MY RATING. PLEASE REMOVE FROM MY CREDIT REPORT. THANK YOU
I continue to receive calls from a very rude an disrespectful lady named XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK. XXXX along with mail from the same collector always for a XXXX XXXX . Who is listed as the primary account holder an decision maker on a 1 year lease for a condo rental that took place on or around XX/XX/XXXX XXXX XXXX XXXX XXXX. 

I have never received any mail from this company, or XXXX XXXX in an attempt to collect a debt from me nor have I ever received a phone call for me, or any copy 's of any bills, final bills, or notice of collection with my name on it. 

I have contacted the office multiple times to let them know XXXX XXXX doesn't reside with me, as well as returned all mail unopened. 

My last phone call on or around XX/XX/XXXX I let them know that it is harassment to continue to call my phone an mail letter to my house looking for XXXX, an it needed to stop immediately. 

I want all contact between this company an I to stop immediately until I am presented in a professional manner with any an all the proper documentation in writing regarding this matter. Until then I will not accept any further calls. 

This case went to court an was illegally handled, an XXXX XXXX violated the lease by moving an refusing to pay his portion of monies monthly that remained on this lease, that is the last information I have on this matter. 

I
I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact XXXX, XXXX, and Equifax. I have also called the companies in which the inquiries were made and they were unwilling to help.
My mother had requested a credit card in my name with ALL of her creditors to assist her with purchases after my father died and she became XXXX.  I was NOT a card owner, just a card signer.  ALL of the credit card companies were notified of my mother's passing in XX/XX/XXXX and all but Bank of America cleared those credit cards from my credit account.  I rec'd a letter from B of A in XX/XX/XXXX asking for payment.  I called them and explained yet again what had happened. Not hearing anything further, I was under the impression that things were taken care of.  5 YEARS LATER, I received an email from XXXX that Bank of America reported the non payment again.  If I did NOT have a membership with XXXX, I would have NEVER known about this problem.  Until I personally called Bank of America, I had no idea what was going on.  Why did it take XXXX years, and why did they not contact me personally?  They were advised again that this was NOT my account but my parents.  Again, they have denied my claim and are holding me responsible for the outstanding balance due.  

I am attaching the letter that was sent to Bank of America.  You will see that I also copied and mailed that letter to each credit reporting agency, as well as CFPB and the OCC.  The letter will explain in more detail my issue with Bank of America.

Also, the account number changed XXXX times over the years, and the account number listed on my credit reports is yet another number, and so I cannot even provide that as you only receive a partial number on your report.  

I want Bank of American to contact all XXXX credit reporting agencies to have this removed my credit history.  This account should have been canceled in XX/XX/XXXX or at the latest, XX/XX/XXXX.  It was closed and yet remains on my credit report.

Thank you for your time and for looking into this matter.
I have a stock account with Robinhood. I contacted the business on XX/XX/18 to withdraw my funds as I am experiencing an economic undue hardship and have a financial emergency. I explained to XXXX the situation and they were supposed to cut me a check for the money I had avail in my account. That was over 10 days ago and the money is still sitting in my account. I have reached out to them on several occasions explaining I need my money ASAP and they will not respond or send me my money. The last time I spoke with a rep was XXXX XXXX on XX/XX/18 who verified all my info to have a check cut and the money is still sitting in my account with robinhood. They refuse to disburse my money to me. I am getting charged penalties due to Robinhoods fraud of keeping money of mine that they refuse to send to me.This is securities FRAUD and they are stealing my money. I need a check in the mail overnighted. It has been over a week and they refuse to acknowledge my request.
I have a credit card with Bank of America more than XXXX years ; never late payment or any problem. I was offer the check I can cash and just paid a fee and 0 % interest for a year. I call and make sure just a fee once and nothing else. So I used it and only one month later they send me a amended term I have to paid {$12.00} a month for protection fee that I do n't default the payment. I was never default or late payment why should I have to paid a protection fee. They said if I not accepting to paid a monthly fee than they have to close the account. I was totally deceived by Bank of America once they get you into using their promote now you ca n't get out of than they want to squeeze more out of you. I can cancelled the account that 's what they offer and that will ruin my credit even I have XXXX credit scroot. This is a total trap to their customer.
I have received a letter from XXXX XXXX stating that they have lowered my credit limit to {$1200.00} from {$1700.00} after I made over {$750.00} in payments to bring the card back to an even debt/credit ratio. I am trying to improve my credit score, and as a result of this action, they are actually doing massive harm to my efforts. This is unfair and uncalled for. My credit score was worse when I got this card 2 years ago than it is now, and yet they're punishing me after I made them large payments to bring this account current. Further, I have called and asked to speak to a supervisor repeatedly and they hang up on me every time I try. This is unacceptable!
I recevie a letter in the mail that was written on XXXX from a debt collector name, XXXX, XXXX XXXX XXXX, XXXX ( AKA ) XXXX XXXX. Of a debt that I do not own. For months, I been asking them to send me documents with my information on it and a signature on the paperwork and the refuse to send it. They was just sending me a bill with my name on it. I recevie a letter stating that if " Failure to comply with this information subpoena may result in your arrest and incarceration. 
The amount they said was owe was XXXX, the paperwork date this bill on, XXXX XXXX. 
Under the law Of the ( FDCPA SECTION 807 ) its a fine of XXXX
This XXXX debt was issue incorrectly as a results of extreme mess in the paper work in the office internal XXXX information, and added as an extra service wich one has been not provided for me because luck of XXXX. Is not true because I have XXXX PLUS XXXX + XXXX and this service never change since I 'm on XXXX. 
They overcharge me XXXX wanted to XXXX me off, but I always had insurance and I will NOT  pay this XXXX amount. 
I already also contact XXXX regarding that incident back from XXXX. I also never has been threated in XXXX - XXXX XXXX XXXX and I never go there after this incident. 
Please make investigation.
Roundpoint mortgage did several dubious things while processing my PMI removal request which costed me more than {$2000.00} and extreme amount of stress. I submitted the request in XXXX of 2015, RPM took painfully long time to process my request. They sent appraiser who did n't calculate the Square footage correctly ( XXXX SQFT ). 
Roundpount mortgage never took my calls seriously. It took them 6 months to initiate the request again with multiple followups and more than XXXX calls. 

They even lost my faxes ( Which has social security number mentioned ). 

Overall it took them more than an year to process a simple request which costed me more than {$2000.00}. 

I dont feel that my records and financial information is safe with rountpoint mortgage.
I have notice that the report for my credit has bwwn off trwxk. Sknce XX/XX/XXXX up until present time i have nevee done anytjinf on my ceedit report