WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted me regarding a debt was  XXXX   XXXX   XXXX . When I advised that it was under dispute with the NYS Attorney General a nd Consumer Protection, they  advised me that it was not their problem and to pay up. They have since called multiple times per day and will not honor requests for a cease and desist.  <P/> They have been increasing rude and crude. Original creditor has no interest in dealing with it either they just keep referring to them and advised me they do not have to cooperate with state folks. These phone calls have bordered on harassment.
TransUnion never thoroughly investigated my compliant under the FCRA & FDCPA. -- -- -- -- -- -- -- TransUnion continues to report XXXX on my credit file even after I provided verifiable evidence ( see attachment ) of XXXX deliberately responding to my certified debt validation 30 days after the time period allowed for creditors to respond. -- -- -- -- -- -- -- OnXX/XX/2018, XXXX  received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.
On Saturday, XX/XX/2016, I drove to the nearest U.S. Bank branch ( U.S. Bank XXXX XXXX, CA - XXXX office, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX ) that is open on XXXX to make a payment for my U.S. Bank Cash+ credit card. Before making my payment, I withdrew {$300.00} from my XXXX XXXX credit card, from the XXXX XXXX, CA - XXXX office at XXXX Pacific. After withdrawing the money, I waited in line to make a payment with one of the branch 's teller 's. Since I do not carry my Cash+ credit card on me, I made a {$120.00} payment using my social security number. I made the payment at approximately XXXX Pacific. I am certain that I made the payment before XXXX Pacific because U.S. bank credit card payments are do at XXXX Central, which is XXXX Pacific, and I remember feeling relieved that I made the payment on time. 

On XX/XX/2016, I received a letter saying that my account was past due. But the letter also said that if I had paid that I should disregard the letter. So I disregarded the letter until I received my next statement. When I received my next statement, my minimum payment had increased to {$250.00} because according to U.S. Bank I did not make the payment due on XX/XX/2016. I visited a branch and XXXX of the representative 's printed out a copy of recent transactions that did not show my XX/XX/XXXX payment. The representative told me the best course of action would be to identify my receipt. I looked for my receipt but I was unable to find it. So in the past two weeks, I have gone to the XXXX XXXX, CA - XXXX office to ask for help. I 've been told that they will search for the transaction and reach out to me with their findings. Today, XXXX XXXX, 2016, I called U.S. Bank 's customer service and I was told that only the branch could help me with my issue.
I got a loan from  rooms to go th e bank that fiance the it was synchrony Bank. I paid the account in full in   XXXX   XXXX     in   XXXX   XXXX   XXXX     sent me a letter saying that I still owe them money. So I in return sent copies of checks showing that the accounts where paid in full. But they are still reporting to the credit agencies late payments which is wrong.
Wells Fargo Dealer Services wo n't auto-apply over payment to principal. I just looked and the {$1000.00} check I sent only applied {$900.00}. I included a note asking for it all to go to principal. This morning the guy told me that I have to actually write it on the check for them to apply the payment to principal. So once again our money has been sitting in a prepayment reserve. And now it 'll take 2 more days for the funds to be moved. Each time I call about this it is a different procedure.
On  XXXX / XXXX / XXXX , I submitted a request to Equifax requesting the method of verification for  XXXX   XXXX  Account  XXXX . Equifax has reported now  XXXX  times that this account has been verified. As it is in my rights to request for them to provide me with the method in which they verified this account. In addition, this account had been reported on my credit profile in multiple manners and has changed multiple times. I am thoroughly confused as to how an account that shows opened in  XXXX  with a company in bankruptcy. My request to Equifax again was to provide me with the method of verification not for them to re-investigate as their documentation shows
I received a XXXX INT for my Escrow interest for {$64.00}, I have neverreceived XXXX before so I called customer service and was told it wasbecause my interest was always below {$10.00} so they do n't send them, my escrow is the same dollar amount it has always been, which by XXXX is around {$3200.00}. 
Not sure how that can give me {$64.00} in interest, I have called and wastold someone would contact me in 7-10 days, XXXX and never heardfrom anyone, I have emailed several times and told someone wouldcontact me within 24 hours and never hear anything.
I recieved a promotional " preapproved '' credit card notice on XX/XX/XXXX. Was declined on XX/XX/XXXX from M & T bank. The language in the application process when I entered in the promo code and supporting information stated that due to the preapproved status it would not be a hit on my credit report if I was declined. I asked the representative on XX/XX/XXXX at around XXXX XXXX after being declined if my credit would be hit she said basically it would but could not say if it would be a soft or hard inquiry. I went to look back at the language of the actual application stating my credit would not be impacted was locked out of the application since it was, completed and given the phone number I just called. I could not see if the terms and conditions were different from the advertising. I think someone should investigate the whole " preapproved '' credit card for existing customers process at M & T to see if they are giving misleading information or maybe blurring the lines to go under the radar of the FCRA. They may be ok here with their terms and conditions but I couldnt review them again due to being locked out of my application to doublecheck and the reps confusion to my request. Thats why I think its worth looking at their whole process to see if they are advertising their offer per the guidelines of the FCRA. Thank you for your time and attention.
My home went through foreclosure in XX/XX/XXXX. In XX/XX/XXXX I received a 1099A stating that my home has a fair market value of {$190000.00} and that I owed {$120000.00}. In XX/XX/XXXX my home sold for {$120000.00} which covered the amount awed to XXXX. I then started receiving letters from Dyck O, Neal stating that I owe them {$75000.00} from the original creditor XXXX.
Disputed XXXX XXXX account on all three credit bureaus due to me being overseas at time and accounts being opened fraudulently. Current balance shows negatively on my account and when disputed in late XX/XX/2017 the credit bureau and company were sent travel docs showing me being overseas in XXXX at time and not able to apply for the card. This account along with the XXXX and XXXX/XXXX accounts are Freud.they were all seemed to be open around same time while overseas. This has been q never ending battle with companies and credit bureaus to get removed. I also had identities freud statements on all credit bureaus during this time. No information was verified and when disputed the credit bureau stated it was valid. I am requesting accounts be permanently removed from my accounts immediately.
Our current Mortgage company, Alterra, is not reporting our monthly payments to any of the 3 credit bureaus for the last 11 months. 

As a result, our attempt to refinance is being stalled due to the new lender requiring a verification of mortgage payment history. 

Our current loan officer assisting our refinance has sent multiple Verification of Mortgage requests accompanied by our Signed Borrower Authorization forms. None of these requests are being acknowledged nor is anyone available by phone to give clear answers nor help us out. Formal requests were sent more than 20 days ago. 

These delays are causing missed rate locks and higher interest charges daily for the opportunity cost of NOT being able to refinance.
We 've had a PayPal account for years and years. In XX/XX/XXXX, however, Paypal pulled our credit report and converted our standard PayPal account to a revolving credit account. We were unaware of the change, so when we thought we were making a conventional PayPal transaction on our existing account, it charged this new line of credit. Making it worse, we then got no statement in the mail, so did n't know we had n't received a bill for this account we did n't know we had. Learned of the new account- and missed first payment! - only when applying for a mortgage. Called PayPal- they refunded the late fee but now I have a black mark on my record.
I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded to me.
I have already submitted a 2 complaints and you closed one and said the other was a duplicate. Now 3 I have submitted for XXXX XXXX Suntrust account XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX regarding my {$10000.00} that they have continued to keep. See my attachments. First they were sending it in 15 days and then the second letter after you contacted them said they would be issuing the check on the XXXX of XXXX. Well, I just called them and they said they were going to continue to hold it. Now, I have tried with you and them. I have now hired a team of attorneys to get my XXXX plus all the damages we have accrued since the account was closed. And, boy are there some damages. Finally, I will get my money through the courts. I tried to tell you people that they sent my money to a money market account ... .and they did! I tried to warn you about the 3000 complaints against this bank. I just want my money and I want them to pay for all my damages that we have accrued because of them and pain and suffering we have been through ... you can't imagine, but you will see soon I ' very certain. You should have got my money back, but you canceled my claim and the 2nd one. 

We will see what a judge says ... because I will not stop until I feel better about being victimized by Suntrust bank and those whom could of stopped this massive misuse of my funds! It's criminal!!! 

We were smart enough to have witnesses on today 's conversation with Suntrust ... can't wait to get our money back we have had to eat beans for a month and my wife could not go to the doctor and see is very sick. You people should be ashamed!!! 

XXXX XXXX Good Luck!
Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website ( www.equifaxsecurity2017.com ). They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX
Greetings, I send several notices to Equifax regarding this account not being mines. 
On one credit report it shows it was removed than I next month it reappeared. 
Also I seem like no human being is actually reviewing my documents because there no cross references to what I demanded the creditor agency to provide to ( me ) the consumer. 
As shown in my paperwork the creditor nor did Equifax provided any response to my request my validation or proof I authorize this account to be open in my name. 


My next step is to submit a FTC identity theft and police report to the Federal Trade Commission and possibly legal action against Equifax for violation of FDCPA, FCRA, and also the alleged creditor agency for violation of Debt improvement collection act ( DICA ). 


P.S. I send three times below the unverified account to Equifax. 
There more documents I send as well. At the moment do not have it in my possession at the time. 
Thank you
I purchased a new home in XXXX, FL in XXXX at the address of ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I paid {$230000.00} for the home. I could only finance {$140000.00} at that time with XXXX XXXX so I financed {$35000.00} with XXXX XXXX which is the builder of the home, I put {$60000.00} down to XXXX XXXX and {$35000.00} down to XXXX XXXX ( the builder ) leaving a balance of {$140000.00} to finance the home. I have a deed that proves the {$350000.00} was paid-off in XXXX leaving me with only {$140000.00} balance to the lender. 
About ten years into the loan I borrowed {$42000.00} for a small business loan that I incorporated into the original mortgage and still maintained one mortgage. 
The issues began when my mortgage was being bought out by three other loan companies which includes my original mortgage company XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and finally Ocwen Loan Servicing (  current lender ). 
In summery, without my knowledge the factuality information about my loans being transferred from one to another were without my knowledge or my consent. All these transfers were raising the mortgage amount and the payment amount as they were bought out beyond my control. With all the issues that I have been dealing with made me do a lot of extra research and I have found out that all the listed lenders ( excluding XXXX XXXX ) are in class action lawsuits and being sued for fraudulent actions, such as over charging for forced insurance, causing sales of homes and placing people in foreclosure. 
This was severely doubling the loan payment and increasing the mortgage as consumer fraud as it was being bought out from lender to lender. There is no proof in this matter that says I am responsible for all these added amounts and fees and where they came about. 
Please assure me by my request, signed modification agreements and by my allegations that this is of fraud and Im correct. I can show proof of the original mortgage amounts. 
Please assist me by helping me resolve my issues by reviewing my original note which I have showing I paid {$230000.00} for the original mortgage, and {$1200.00} payments, giving the {$60000.00} to XXXX XXXX, {$35000.00} to Banner Homes and having a remanding balance of {$140000.00} owed in which I have been paying on since the purchase of the home for at least 24 years. 
Respond to me by carbon-copies who is resisting me on these recurring matters. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX CELL : XXXX
Since filing a complaint with you against ALLY Financial on XXXX XXXX case number XXXX I have received another XXXX collection calls from ALLY. I received 4 calls just today. I spoke with the collections rep after the 1st call today and explained my situation. They called me 3 more times after the original call all in a 90 minute time frame. They called my wife cell phone as well ( twice ). I believe this could be considered harassment. ALLY called me the day after I filed the original complaint and said they were investigating. PLEASE PLEASE PLEASE help me -- 6 calls just today
I have contacted Equifax regarding them not reporting two credit card accounts that are reporting on XXXX and XXXX. The accounts are XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX. I am not sure why Equifax is not reporting the accounts, because the company has sent them the information.
Complaint : Following the authorization of a one-time charge scheduled for XX/XX/XXXX, XXXX XXXX charged my checking account at least 55 times. Upon receiving notice of these charges, XXXX informed me of an additional 19 charges. Most, but not all, of these charges were refunded. However, on XX/XX/XXXX XXXX charged my account an additional 4 times without issuing a refund. 

I waited more than 45 minutes on hold to speak to a customer service representative on XX/XX/XXXX and more than 60 minutes on XX/XX/XXXX ( see pp.5-6 in attached .pdf ). Although XXXX customer service representatives acknowledged they had never seen this problem before, they refused to provide any information verifying the number or dollar amount of the charges or refunds. 

Timeline / Notes : XX/XX/2018 - Attempted one-time payment with debit card via XXXX website. The website returned an error message stating the payment had not been processed. 

XX/XX/2018 - XXXX charged my checking account 55 times for the payment. The account was refunded 51 times. XXXX customer service admitted to an additional 19 charges that were visible on their end. ( See pp.1-3 in attached .pdf ) XX/XX/18 Call 1 - Despite confirming the charges on their end, XXXX required a bank statement showing the charges from me before they would create a ticket - Although they stated they would resolve the issue, XXXX refused to provide me any evidence verifying how many times they charged or refunded my account. 

- When asked directly, XXXX customer support confirmed all charges would be cancelled / refunded and the one-time payment would not be processed. 

XX/XX/2018 - XXXX charged my checking account an additional 4 times on the morning of XX/XX/XXXX. As of the time of writing ( XXXX XXXX ) the 4x charges have not been refunded. ( See p.4 in attached .pdf ) - XX/XX/18 Call 2 - XXXX customer support team lead advised the 4x charges were authorized on XX/XX/XXXX. No such authorization was granted by me.
A mortgage escrow statement dated XX/XX/2018 ( see attached file ) posted to my online mortgage account on that date. The statement indicated a escrow surplus check in the amount of {$600.00} would be mailed to my address. It never arrived. On XX/XX/2018 I phoned Nationstar Mortgage dba Mr Cooper mortgage to inform them that I had not received the check. The representative said a new check would be issued and mailed. That check never arrived either. On XX/XX/2018 I called once again. The representative said the reissued check was mailed on XX/XX/2018, but would reissue another check. Then the representative transferred the call to a supervisor. XXXX the supervisor ( employee number XXXX ) suggested both previous checks may have been sent to the mortgage property address rather than the mailing address the mortgage company has had on file for years.
I have been receiving emails starting from XX/XX/XXXX, regarding an unpaid student loan ( account no XXXX ) from XXXX. I have not taken any loan from XXXX. As I contacted XXXX the customer representative confirmed that even though the account is under same name the year of birth and the last 4 digits of SSN do not match with my credentials. Besides, the loan was taken in XX/XX/XXXX and I have entered USA in XX/XX/XXXX. Hence XXXX promised that I will not receive any email or letter communication from XXXX going forward as this is a case of mistaken identity for debt collection. However, I am still getting mails from XXXX. I contacted XXXX again but it is not getting resolved.
Received a call that my previously submitted application for a payday loan ( never applied for a payday loan ) has been approved by a new lender for an amount up to {$15000.00}. This was a computer generated call from XXXX. 

They just wanted me to a to apply for a loan that I didn't ask for or want from them.
I have tried dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry XXXX XX/XX/XXXX + XXXX XXXX-auto Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX
Closed on my home in XX/XX/XXXX, U.S. Bank bought the mortgage in XX/XX/XXXX but there is still noting listed on our Credit Report, we are being denied credit because we do not show as homeowners on our credit report. Contacted U.S. Bank, where I was immediately directed to collections, even though I have NEVER been late and was told that as a courtesy they reported me to the bureaus late! What courtesy is that. I want my mortgage listed on my credit report as the law states it should within 30 days!
I sen t Capital One Auto a let ter concerning an account that someone had opend in my name without my permission. As of today they have not responded nor taken steps to remive the information from my credit report
Ihave notice that suntrust is paying all big items that come in first, no matter when it came in and the charging me XXXX dollars for all of the smaller items. which is causing me to overdraw my account a lot this past week. i had XXXX small charges the were made way before the large transaction and was charged XXXX times
The organization kept on coy tellme that I need to pay them at a certain time when I finance could not this was 4+ years ago
My name is XXXX XXXX and I am an XXXX patient. Back inXX/XX/XXXX  my discover credit card ( new card number ending XXXX ) was lost/stolen. There were so many fraud transactions on my card from XX/XX/XXXX thru XX/XX/XXXX. I called and reported that. As I said I am an XXXX patient so sometime I dont even remember keeping up with my card. I was told I wont be responsible for any charges. But they put back all the charges on me again last month. ( Total around {$3300.00} ). They said they asked me for proof they called me but I dont remember receiving anything from them. I dont even drive, No one else in my family has access to my card. I work only part time and not able to pay as this isnt fair for me to pay something which I didnt purchase. You can contact my XXXX doctor and confirm with him. 

XXXX XXXX XXXX in XXXX XXXX TX XXXX I hope to get this issue resolve as soon as possible.