WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I discovered many Identity Theft issues on my credit file. I placed a fraud alert, provided police and FTC report of me being a victim of identity theft, with Transunion, that involved my information with my deceased Grandfather. 
For many years, Transunion has been reporting his information on my credit file, though my grandfather passed in XXXX XXXX. 
His middle name was XXXX, or XXXX. My middle name, XXXX, or XXXX. 
Same last & first name. 
To different birthdays, SSN 's, middle names & so on. 
After providing Transunion with my Grandfather 's Death Certificate, on XX/XX/XXXX, TransUnion Interactive wrote to me, acknowledging me of informing Transunion LLC of his passing, and forwarded it to appropriate department. 
Since then, I've been DEAD! .. According to Transunion LLC ... 
I have disputed multiple times with Transunion, but failed to convince them to correct the disaster. 
After me telling this company that the other name and info, " XXXX '' ( middle name ) is not me, I'm " XXXX '' ( middle name ), XXXX & XXXX, ( other 2 big CRA 's ) followed suit and reported Death Notes on my file afterwards. 
My last dispute result, from TransUnion, XX/XX/XXXX, stated : CONSUMER DECEASED DATE OF DEATH IS XX/XX/XXXX ( NO EXPIRATION DATE. ) I will stop here and see if TransUnion can figure out what my complaint is regarding.. 
Thank you for allowing me to state my case.
The company failed to provide me with a notice to request verification of debt or right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
Collector XXXX did not preform any due dalliance. Did not verify that the debt was mine before contact. Creditor ( Desert XXXX XXXX XXXX did not communicate with the my medical provider XXXX XXXX XXXX NV XXXX who requested in house the x-ray for a covered wellness visit. Under my XXXX XXXX thru XXXX this is a covered procedure as a senior citizen. Neither XXXX XXXX or XXXX Partners billing offices communicated between each other.. Neither asked for or passed along my basic insurance information. Neither would talk to the other. I never received a bill or statement. XXXX told me they did n't have to produce a bill. 
Desert Radiology went straight to collections they never contacted the XXXX XXXX EVEN THOUGH THEY ARE THE SAME OFFICE. 
I reiterate this is a totally covered procedure by Humana.
I discovered an item on my credit bureau from XXXX XXXX XXXX regarding a Payday Loan From XXXX XXXX. In attempting a resolution on XX/XX/XXXX I requested removal from my credit bureau in exchange for payment, despite belief the loan itself violated the laws of Texas. 

2 employees, including one claiming to be a manager, advised me, repeatedly, that the FCRA prohibited removal of items. I contested this as I know it to be untrue. They persisted until finally admitting it was not the law, and they were unfamiliar with the law, but it was what their company policy stated. When advised that they can not represent internal policy as law they became beligerent. I confirmed the call was recorded and advised I would be filing a complaint. 

Contact with XXXX XXXX advised me, by email, the debt belonged to : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX In investigating this firm by phone number I have found they have had numerous shell agencies over the years, which are repeatedly closed for illegal practices. 

As I offered payment to XXXX XXXX dba Cash Central, despite a firm belief the loan was illegal, and they refused, and the collection agency engaged in clear misrepresentation of the FCRA, I believe both to have engaged in illegal practices.
XXXX has been non-compliant with removing the unverified account ALLY FINANCIAL Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I can not access my coinbase account : www.coinbase.com, The website will not let me login in the past past 21 days. 
The account uses my email address ad they do have my cellphone number ( for the second password ), my Driving license, my last bill, my photo I asked them more than 30 times through email, website-help tool, and 3 times phone request and they did not reply to any of my requests. 
I informed them that I wanted to sell my bitcoin and I need the money that I have in MY account, and I can provide whatever evidence for the identification purposes if the issue is because of that, but I have not revived any reply. 
I also asked if it is possible to provide me the reason beind blockng my account, but they have not replied either. 
I also informed them two weeks ago ( when the price of bitcoin was 50 % more of today ) that I want to sell my bitcoin, and I need the money ASAP, and I could provide them with any information that they need to open my account, but they did not replied back. 
After talking with them on the phone ( almost a week ago ),  their representative told me he can not help me at all, and after I said " Should I talk with a lawyer? '' He replied " No I wont do anything '' and then he hang out the phone. 
Again, I emailed them and beg them that I need the money, and I am XXXX and I need my money back, and this is not ethical to keep my money for no reason, they simply blocked my email so I can not submit any request any more. 
At time I had access to my account I had more than 9K in my account, all of my saving, and wanted to cash them for the new year, and they did not let me. 

I do not have any option in mind, they did not provide me with a single reason for blocking my account 21 days ago, and keep asking them they simply do not care. 


** I PUT MY FIRST AND MY LAST EMAIL AS A REFERENCE TO THIS REQUEST
They attempted to reach me by phone and I notified them that I no longer have a source of income due to an unpaid medical leave. They repeatedly called and sent in profane language emails.
I manage and pay my credit card online via the Amazon.com/storecard/Synchrony Bank website and XX/XX/XXXX I tried to login to make a payment and forgot/entered in the wrong password too many times and was locked out of my account. Instead of a simple process of resetting my password like other banks, I have gone through XXXX with their fraud dept because they will not verify me. I have given the all my info over the phone and via mail numerous times, the ask questions that have nothing to do with me and say I answered incorrectly, they claim to have mailed ( now claim email while other reps say it is not allowed ) a letter with a code but I never received. The Post Office told me to tell them to track/trace the letters they mailed they say they can/will not and they refuse to give any other option ( I mailed my docs they claim never received despite my USPS Proof of Mailing and their security questions have nothing to do with me, I can not answer Yes to a question I know is No ). I can no longer access my account online to make payments and must talk to someone on the phone to make payments. They try to charge fees that they should not and do not log my payments correctly then claim they credited the fees but then do not and add more. I can no longer confirm anything I am told by a rep on my account and the reps say on thing and do another, I have been charged fees and credits/payments have not been applied properly. I can not Trust that my payments or that my account is accurate and have had to call and be transferred numerous times and stay on the phone for no less than 4+ hours at a time per day to try and get info or some resolution but none so far. They continue to say they this is the last time and they are going to remail the letter and I will receive in days but I never receive the letter. They have no other options and I have no way of confirming if the activity on my account is correct. Every rep contradicts the other and says something different and then they will say oh well what they told you is wrong or I heard incorrectly which are lies. I am not trying to make purchases I am trying to make payment in a secure and timely manner which is no longer possible. I can trust that my payments ( no confirmation # 's are given, I can take down names of reps and location but is useless later ) are logged properly and that additional charges are not wrongfully charged. I document all my calls and communications but they refuse to correct the problem of just resetting my password to my account, but they try to not log my credits/payments properly and charge fees while only given very limited access to what is going on with my account claim it is for my protection. I need protection from this bank bad if not illegal business practices. Do I not have the right to have access to my account ( details/specific transactions, balance, credits/debits ) and not solely depend on what I am told be a rep who says whatever but I can not confirm if it is true and then discover the lied or did not notate my account or process the transaction as they said they would.
XXXX XXXX XXXX is reporting to Transunion that I am the authorized user on 2 credit card accounts, erroneously. I have spoken to a bank manager at XXXX and they confirmed the social security number for the correct authorized user is different from mine. I have tried with both TU and XXXX to get them removed to no avail ... ... ...
Debt collector XXXX, as trustee for XXXX XXXX, Asset Back Certificates, Series XXXX ; is attempting to collect on a stale, alleged debt which is more than 3 years past the Statute of Limitations. OCWEN alleging itself to be a mortgage servicer, who is in fact a non bank creditor, is attempting to file suit, to obtain the home of the consumer which was obtained for personal family household uses. Both parties were served a notice of dispute pursuant to the Fair Debt Collections and Practices Act, both parties have either not responded or not properly responded. They have within 5 days of the receipt of this complaint to respond per request of the consumer.
In XXXX XXXX, I requested that my loans be placed in forbearance through XXXX of XXXX because I would be away for military training ( XXXX ), and also that the military 's student loan repayment program will soon pay their share of my student loans. I was told that they would be ; later in XXXX I discovered that they were not and this adversely affected my credit score. I called the company to complain and a supervisor said that he would check the tapes to verify my claim that a representative from the company assured me that the loans would be placed in forbearance during this time. I did not hear back from the supervisor, but I did receive a letter from the company stating that my loans were approved for forbearance from XXXX XXXX, XXXX to XXXX XXXX, XXXX. This letter is dated XXXX XXXX, XXXX. Although my forbearance was approved, XXXX refuses to correct this on my credit report because the letter is dated for XXXX. I have consistently paid my account with them ( and all of my creditors ) on time, except for the two months that I thought the loans were in forbearance. I submitted a letter of good will pleading my case, and the company told me that they do not grant good will exceptions in any case after I called them twice to check on the status of my request. I have also disputed this issue numerous times, and each of my disputes were rejected.
I contacted Central Media Services to explain that before I would give them payment, I needed written validation to be mailed to me. I also asked for their state collection # and renewal date. They ignored my request, said " good luck '', and hung up. There is no way to contact these people except via phone ( very shaky ). # XXXX/XXXX XXXX , XXXX XXXX .
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
I contacted Navient last week about putting a temporary hold on my student loan. They got back to me today to tell me that my only option was to call in. I called them today ( XX/XX/27 ). They told me in order to get forbearance I had to make a good faith payment of XXXX dollars in order to apply for the forbearance. I told them that I did not have the money for the payment or the " good faith payment ''. They told me it was their policy and the most they could do was extend the good faith payment by 15 days. I am XXXX  and have been for 4 months ; I can't make that payment or guarantee that I will have a check by then to make their deadline. This policy is not outlined anywhere on their website and when I asked for documentation they said they would have to draft something to send it to me. They provided no previous notification of this fee. The documentation has to be mailed to me so it should arrive in 7-10 days.
i recieved a collection letter from c-tech collections XXXX XXXX XXXX XXXX ny XXXX .... ( XXXX ) XXXX sue thosar who is named as the collection division manager ... ..it was a collection notice for a doctor bill ... .it is for XXXX dollars ... this doctor apparently is not within my approved doctors and saw my wife in the emergency XXXX ... .two issues arise for me ... # 1 ) i was never given the oppurtunity to accept or reject the doctor ... he was presented as, what we thought, was an employee of the hospital ... but he was an " outside contractor? " ... .hence how can i be charged an exorbitant fee for something that i was not informed about ... .. # 2 ) i was never sent a bill from the doctor and was never given an oppurtunity to speak with him reference paying any of his fees ... ..he was paid an inservice fee by my insurance of about XXXX bucks ... .his collection agency disreguarded that payment and sent me a bill for the entire amount XXXX bucks ... ..my insurance company states they paid him XXXX and there is no way they should be billing me the entire amount ... .this collection agency comes up on a XXXX search as doing this stuff all the time ... c-tech collections ... .they even use a different outfit to send out the " collection '' letters ... .it comes from a XXXX XXXX ... .a XXXX search of that XXXX XXXX XXXX a company that sends out these letters for all kinds of doctors ... .all using various codes and headings ... i believe this practice violates federal collection law XXXX sub ( XXXX ) ... .using various names to try and collect debts ... .it is so questionable that new york state has made the system illegal as of mid year XXXX ... .but our original bill starts back in XXXX XXXX ... .hence the attempt at collecting what i feel is no way owed to anyone!!!
Long story short my mortgage was purchased by Green Tree Financial from XXXX XXXX XXXX and Gree Tree Financial did not honor the existing modification from XXXX XXXX XXXX. Green Tree Financial is now forcing me into foreclosure.
This is my second complaint and a written request to be use in a court of law as proof of my intents to clear my name about this matter, I had been a victim of identity theft .Transunion had refused to remove this account.They removed the account on XX/XX/XXXX, and placed back on XX/XX/XXXX, this is a violation of the FCRA. Account removed can no be placed back without a written notification 5 day before placing the account back on. In this case more than 30 days has pass without a written notification, also this is an identity theft case an FTC complaint had been filed, they are no following consumer laws Or FCRA.
We are trying to get short sale approval for a XXXX lien. The loan was with XXXX, then service released to XXXX XXXX XXXX XXXX XXXX XXXX, then on XXXX/XXXX/15 service released again, this time to Lustig, Glaser & Wilson. I 've put in XXXX calls to Lustig 's office, and have sent an Authorization to Release to Lustig 's office XXXX times. They say they have XXXX of new files, and so maybe it has n't loaded into their system yet. They say there 's nothing they can do to assist in finding the loan. We have XXXX lien approval and must get approval from this XXXX lien to close. Please help!
Between us, my husband and I have {$140000.00} in debt, mostly on high-interest ( 25 % and more ) credit cards and bank lines of credit. This debt is all directly or indirectly the result of medical bills and the huge insurance premiums we had to pay in the XX/XX/XXXX before we qualified for XXXX. Every year now we pay five figures in interest on this debt. Wells Fargo has turned us down twice for a loan that would lower our finance charges. They say our debt-to-income ratio is too high, yet they wo n't even tell us what the ratio would need to be for us to qualify. We are XXXX XXXX, respected in our industries, and we are able to cover our other living expenses with income from our work. However, there is a limit to how much we can ever earn between us, no matter how hard we try, and we are getting old. I 'm sure we are not alone. There must be other Americans in our situation. Please help us. Thank you.
My name is XXXX XXXX last 4 of my SSN are XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I made a payment through the online system for my car payment on XX/XX/XXXX. This payment was returned because I submitted through savings instead of checking. I only authorized a ONE TIME PAYMENT. On XX/XX/ Ally bank resubmitted the payment through without my authorization causing my bank to charge me XXXX. I called in and spoke with a manager named XXXX who told me that they did not need my authorization to process this payment since I already gave it onXX/XX/XXXX. She claimed that by me making that payment I gave authorization for the to go in and draft my account again if the payment was returned. She stated this was and agreement I made before submitting the payment. Well I went back and check what the online system stated when making a payment. " I authorize Ally to debit a one-time payment from my designated account in the amount and on the date i have selected and this authorization will be in effect until the payment is paid or until I cancel ''. No where does it state if my payment comes back I authorize Ally to draft my account again. I believe this practice is unfair and deceptive.
Portfolio Recovery Associates have been using countless phone numbers in pretty much every state to call me about a debt they claim I owe several times a day. They sometimes call before, after, or at XXXX MDT and never leave a voice mail message. They also call a different number I have in the same manner. Most of the old debts that were still on my credit reports last year have become charge-offs. I have no idea why they're constantly calling me. It's like they're trying to get me on the line and badger about some debt I don't actually owe. 

The phone calls have become harassing and senseless. I have blocked what seems like hundreds of numbers from them. Every time I block those numbers, they call from other numbers. PRA called today XX/XX/18 at XXXX MDT and left no voice mail message. Many of the complaints on CFPB and other sites list the same issues that I have. They are also referred to as a " bottom-feeding '' collection agency because they buy up old debts for pennies on the dollar and try to collect. They also try to collect on old debts that have since passed the states statute of limitations.
Mortgage settlement was on XX/XX/18. 
Pruchase amount {$170000.00} Actions by Consumer ( me ) : Reached out the VA Loan HQ,  Lender, Appraiser, Real Estate agents ( buyer+seller ) but received no useful help. 

Parties Involved Lender : Mortgage Solutions of Colorado, XX/XX/XXXX DBA ( Loan # XXXX ) Appraiser : XXXX XXXX XXXX XXXX, XXXX Seller Broker : XXXX XX/XX/XXXX XXXX Seller : XXXX XXXX XXXX XXXX XXXX Broker : XXXX XXXX XXXX The appraisal was done poorly and the valuation came back the same value even after the XXXX Intiative. Many fees were incuured and the repairs that was ordered by the appraiser were done poorly and the damages are still here today ( attached report and images ). The repairs was ordered to " Remove debris, repair fencing and properly landscape rear yard '' but now I have to deal with broken fences and hazardous objects int he ground. 
Final Version Closing Disclosure was also provided only 1 day to closing when 3 days is the minimum. 

Additional complains to other local and federal regulators will be filed. Please advise other agency I may file with.
In XXXX XXXX I consolidated XXXX of my federal student loans. The interest rate was fixed, and I had {$20000.00} in outstanding principal. I have always made my payments in full and on time, and have even made some payments ahead of time so I am now paid in advance by 5 months. 
In XXXX XXXX I received a letter in the mail saying the loan servicer updated my payment schedule. My monthly payments went from {$130.00} to {$160.00}. It did n't make sense to me that I would need to pay an extra {$24.00} each month if my interest rate was fixed and I 've never missed a payment. I called the loan servicer to find out why the change, and they indicated that a recent review of my account showed that the amount I was paying each month would n't be enough to pay off my loan by the payoff date. After hearing this I essentially asked them, " you acquired the loan in XXXX, and it is just now being reviewed? '' and they said yes. I feel like I 've been taken advantage of, the loan servicer did not do their due diligence in managing my loan, that they did not act responsibly in handling my loan at the time it was acquired, and my trust in them has been broken.
Contacted Portfolio Recoveries regarding a collections account. 
Reached an agreement to pay the account for less than amount owed. 
Requested documentation of our agreement and was told that a letter would be sent via email. Have not received letter. 
Made payment on the agreed upon offer, and the account remains on my credit report with a balance of the difference between what was paid and what was originally owed.
I have been getting the run around from Experian regarding inquiries. Experian has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Experian a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the XXXX inquires : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX
I have closed a XXXX XXXX credit card becuase of high annual fee of {$450.00}. 
I closed this account on XXXX day after this fee appeared in the monthly statement. 
Customer service refused to refund the annual fee either in full or pro-rated.
I pulled my credit report from XXXX and noticed an account I did n't recognize. I mailed a letter ( attached ) to Enhanced Recovery regarding this collection for " XXXX. '' It has been over 30 days since I mailed the letter and have had no response. And now XXXX is reporting this account on my credit report.
Ally is a ripoff. My account was not showing for almost a year due to a total loss. when it did come back up it was wrong. Ally has token XXXX from me and this is only 36 months. I owe XXXX on a 72 month agreement.