WillisBack/dataset-financial-user-claim huggingface dataset:
I am an at torney and represent daughter of mortgagor who conveyed to her, subject to mortgage to Quicken Loan o f approx  XXXX  on house worth  XXXX  ( interest per month is approx.  XXXX  ), couple months before he dies. Daughter had moved in about year before to take care of him. No estate ever opened ; sister has will etc. wo n't speak to my client, and my client tried to talk to quicken they said ca n't talk to her, VA loan not assumable anyway?? meanwhile they serve h er w forc  papers in another state, nearly goes to public auction, I get it dismissed but quicken and/or their attys say ca n't talk to her, she ca n't get pay-off, she is not on the loan. I learn client does qualify as successor in interest and attys and quicken still saying she no right to info. I asked in writing for pay-off and forced placed insurance costs starting in  XXXX  Just received pay-off this week, has all the costs added on We are having trouble paying off all their charges, and rfealize i f Quicken had reaced out to her re successor in interest status, she had mnoney to pay and would not be looking at losing her house, but would have made the payments, or at least would not have lost so much in time, attys fe es, their fees, etc.
I was a victim of ID theft and submitted a police report, FTC affidavit and ID theft complaint and other documentation to prove that the information being reported on my report was false and due to someone using my identity but they refused to remove it.
While banking with Wells Fargo multiple fraudulent overdraft fees were placed on my account. I had previous called and checked the available balance in my account and most recent transactions to ensure that the money was available and all transactions were up to date. On XXXX/XXXX/2016 I had a available balance of XXXX, after spending {$5.00} to grab some food in my account multiple overdraft fees were posted for every transaction on my account. I have screenshots of the balance in my account before making my transactions. I immediately contacted Wells Fargo, no one would explain or provide assistance. Today I called Wells Fargo again to place a complaint, I spoke with ( XXXX ) who would like me speak with the manager but was adamant about making me pay the overdraft fees.
1. This XXXX is a XXXX XXXX VA XXXX Veteran entitled to the lowest Interest Rate VA Home Loan by Federal Law because of my COE but Wells Fargo who has VA Home Program refuses to process a VA Home Loan for this XXXX. 

2. Wells Fargo as a Financial Institution is abusing this XXXX and Family with XXXX Discrimination and Extortion Practices when collecting their mortgage payments from Families like ours which violate Federal Law. On XXXX XXXX, 2017 the Supreme Court ruled against Wells Fargo for these practices and Wells Fargo has agreed to pay Settlements to families like ours who have been victimized for their illegal practices and that have violated Federal Law. This XXXX is in desperate need of a Lawyer of Law Firm to help us secure our portion of these settlements. 

3. This XXXX is presently fighting Wells Fargo in Chapter XXXX U. S. Bankruptcy Court in order to protect our home from an illegal and Wrongful Disclosure Procedure and not lose our home. This XXXX XXXX VA XXXX XXXX Veteran is in desperate need of Legal Counsel who is willing to fight with us and is familiar with The Federal Law in Title 38 USC Sec. 5301 ( a ) ( 1 ) which states the following : " he shall be exempt from the claim of creditors, and shall not be liable to attachment, levy, or seizure by or under any legal or equitable process. '' The Legal Counsel or Law Firm must also be familiar with Title 38 U.S.C. 5305. states Because XXXX benefits, unlike retirement pay, are exempt from taxation, 38 U.S.C. 5301 ( a ), such waivers are common. See XXXX v. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) ''. 

To Learn more please visit : http : XXXX
On XXXX my bank called me to report suspicious charges on my debit card. I verified the charges were fraudulent and my bank suggested I go to a local branch right away for a temporary replacement debit card. The bank in the meantime cancelled my debit card. At the branch, the banker told me both my checking and savings accounts were compromised and that I needed to close them and transfer the funds into new accounts. The banker transferred the funds into new checking and savings accounts, but left the original accounts open with zero balance for the sole purpose of charging me unnecessary maintenance fees. I was led to believe those accounts were closed. The bank then charged me maintenance fees on XXXX of those accounts. Additionally, sometime between XXXX and XXXX, the banker or someone at the branch opened up a new unauthorized savings account without my knowledge and left the balance zero. This new account was opened fraudulently and criminally for the sole purpose of charging me maintenance fees.
Equifax has given my personal information to unknown individuals exposing me to the possibility of identity theft.
On XXXX XXXX, 2016 I made a payment by wire Transfer to XXXX XXXX for XXXX XXXX XXXX listed as New. After not receiving any email confirmation and seeing some posting online, I contacted my bank ( bank of America ) to cancel the wire transfer, case XXXX, my bank then contacted XXXX bank who refused to cancel the wire, just and after only contacting the seller. So the transaction proceeded and to my surprise I received two used switches packed in the same box. I called immediately and after heated exchange, got the authorization to return the items, which I did the same day by XXXX. The seller then used many delay tactics to delay processing my refund. even though I did not received what i ordered, at some point I was even open to being charge restocking fee. It is now more 3 months after the initial transaction and the seller is yet to give me any refund. I believe at this point I am entitle to a full refund, and hope you can help get this issue resolve. I will join to this complaint all necessary documentation including email exchanges. I have contact the XXXX and XXXX you were unable to get a response from the seller XXXX XXXX ( XXXX ). I feel at this point even his bank XXXX if someone allowing the company to defraud customers by not responding to their complaint in a fairly fashion. And since I have contact the bank and not able to get the seller to corporate, that his Bank XXXX should be held also responsible for the transaction.
Company  is reporting on all   XXXX  cr edit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not. I have  (   XXXX   ) late pays on    XXXX    XXXX   XXXX  loans that they state can not remove even though I was in school.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail I 've sent.
I submitted a identity theft report to XXXX and Experian and they both denied me my right to have the information blocked from my credit report. I was not given a reason as to why the information wasn't removed, they also did not block the information from my report within 4 business days as they are supposed to. This is infringing upon my right as a consumer to have corrected and updated information to be shown on my credit reports, this hurts my ability to obtain credit. I would like to request that they immediately delete the accounts that are fraudulent and do their best to keep inaccurate info off my reports and from hurting my chances at obtaining credit.
So I got a report from Lexis Nexis and has a listing of 82 pages of incorrect information on me including dob occurrences and just wrong information on me. It makes me mad that they use this information against me first off, second all the information is incorrect. I need some help and I tried calling but they dont take it serious. Please help. Thanks. 

I also have pages and pages of incorrect information XXXX XXXX
On XX/XX/XXXX I filed a benefit request with account assure which protects my victoria secrets accounts, account assure paid benefits to both of my accounts. I found out that on XX/XX/XXXX Victoria secret merged the balances of both accounts to one account. My benefits were both approved by account assure creating a XXXX credit on the closed account. I called into Victoria secret to get the credit moved over to the current account, so that would reduce the amount I owe since my XXXX was covered for all charges XX/XX/XXXX and before. I was told a dispute was filed and I would receive a provisional credit on XX/XX/XXXX. I have contacted Victoria secret and comenity and have no luck getting any information. When I logged into my account to check status I see my balance due has double and a balance transfer was completed XX/XX/XXXXfor XXXX the amount that Was a paid benefit from account assure is actually showing as a charge I owe. I have contacted Victoria secret XX/XX/XXXX and XX/XX/XXXX and no on has an answer so now my account balance is over XXXX dollars more than it should be as well as its been reporting horribly to my credit report. I have never had so many issues with a company.
TransUnion has ignored my request by constantly running around the issue. They yet to explained why an account that shows Paid in Full by the borrower on XX/XX/2015 TransUnion continues to report a 90 days late payment on XX/XX/2015. Even their own report makes no sense as they report the account " OK '' for all previous months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 90 days late on XX/XX/XXXX. I 'm attaching a picture ( sorry can not upload the document to my PC ) of the document proving my claim. They keep sending notice of investigation closed without addressing or changing the negative report. Neither an explanation of how they arrived at the same conclusion than before. TransUnion is in violation U.S.C. 1681i 611-15 ( 4 ) ; ( 5 ) ( A ) ( i ) ; ( 6 ) ; ( 7 ) ( 8 ) The complete arrogance and indifference demonstrated by Transunion is beyond justification. Specially, since other consumer reporting company have corrected it by deleting the same negative item from their report.
I checked my credit on XXXX XXXX XXXX to find that my credit report had an error in there that included XXXX Mississippi two times I have no knowledge of this account that is reporting on XXXX XXXX from XXXX Mississippi I believe that the credit bureau Equifax added that account on my report due to retaliation because I file a complaint on them with the CFPB I am asking for both of the XXXX Mississippi accounts to be deleted off my report this error has made my credit score go down XXXX points.
I have a derogatory account reporting on my credit for a credit card that was discharged in my bankruptcy package. Their is no reason why this account should be still active on my report. It has the Chapter XXXX BK mentioned in the remarks but shouldve been removed off of my credit once my BK was discharged
I contacted Equifax in reference to some fraud activity in my credit file as well as unauthorized inquiries. I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. First thing is the accounts not belonging to me have been removed but you failed to remove the inquiries. As I stated and provided proof I was incarcerated until XX/XX/XXXX. So there is no way, I was attempting to establish credit as this is not possible from prison. So even though the fraudulent accounts were removed the Inquiries which I did not initiate are still present. So an ID security alert was placed on my account which I appreciate, I just need them to follow through and remove the inquiries entered below. 
XXXX USA XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX XXXX XXXX ank XX/XX/XXXX XXXX XX/XX/XXXX
Over the past year Citizens Bank has charged me more than {$20000.00} in fees. They have repeatedly let charges go through and post to my account that shouldn't have been allowed to post to my account. I have an overdraft plan tied to the money I have in my savings account. Anytime my account gets overdrafted beyond what I have in my savings account it is supposed to be rejected at the point of sale or when it's a recurring payment. It's flat-out supposed to be rejected according to the literature that they provided me with. They have repeatedly that charges go through that shouldn't have gone through past what I have in my savings account and they have repeatedly charged me four or five fees for the same item. They have repeated you that other companies try to charged me again for a returned item and then charge me fees on top of that when they've already charged me an overdraft fee and then a return item fee for the same item. They have charged me more than I've ever had in my account. they have charged me more money than I've spent on myself because they have taken all my money. I have repeatedly complained about this issue to Citizens Bank and have been denied any redress repeatedly with them and I've had it. This past month they have let my account go to negative {$1000.00} once and now I'm at negative {$820.00} when they've let the same item try to be reposted over and over and over again after charging me a returned item fee and an overdraft fee on said item. They are basically letting me borrow money at the rate of 2000 % interest. This is not the first problem of this nature that I've had with them. They also repeatedly let larger items post first and then smaller items follow in order to maximize their fees when they know an account is going to overdraft. The same thing they got in trouble for before is going on now. I can make free {$5.00} purchases today and then tomorrow make a {$30.00} purchase with {$40.00} in my account and the {$30.00} purchase would post and clear first. Again and again this has happened and again and again I've been charged fees three or four times for said item when I should have never been charged for that item because it should have been denied.
I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Select Port Folio is my mortgage company, I have submitted financials and request for mortgage modification several time over the past few years. 
SPS has n't assisted me with my modification request. I 've spoken with Client services several times. I 'm informed I 've been mailed correspondence regarding the modification and I have n't received any correspondence. 
I do receive the property foreclosure sale notices. Please assist me with obtaining obtaining a mortgage modification. Received foreclosure letters from attorney Per the statue Tennessee code annotated homeowner is suppose to receive proper notice 30 days prior to foreclosure. 
prior to foreclosure sale date.
In XXXX I was approved for and received my American Express XXXX card. I began using it and eventually reached a spending threshold on XXXX XXXX, which awarded me XXXX of their Membership Rewards ( XXXX XXXX XXXX, as promised on XXXX XXXX. On XXXX XXXX I was charged their {$450.00} annual fee and I have continued to use this card and have no balance due at this time. After other charges I had XXXX points from this card and my Membership Rewards ( XXXX XXXX XXXX Number ends in XXXX. My credit card ends in XXXX. However, on XXXX XXXX, XXXX points were deducted from my account with no explanation. I have been a customer of American Express for 9 years and have good standing with them and good credit as well. I followed any and all terms and conditions for this card when making purchases and for earning or trying to use points. 
I would n't apply for this card knowing there will be no bonus awarded, and paying expensive {$450.00} annual fee. 
I called American Express and spent no less than 30 minutes on the phone being transferred up a chain of CSRs and supervisors, all who thought my account was fine, and eventually reached someone who told me that some accounts are being reviewed at the corporate level, and the the points were deducted for unspecified reason. She could not tell me anything else. I think American Express is pulling a bait and switch of sorts if it offers something like this but now does n't let its customers actually take advantage of it. If they have some sort of internal issue being worked on by corporate, they should have solved that before hand on their time and stop wasting mine. I have actually visited online forums and have learned there are many others with this card experiencing the exact same issue. As well, a friend of mine from another state is also having it happen to him and his wife, so many people -- not just me -- are having their points deducted by American Express and that is help money! 

What I want is for you to help me get them to release any hold they have on my points and NOTIFY ME IMMEDIATELY without me having to contact them and fight for an answer again. Why did I pay {$450.00} for a card that has no intention of letting me use its benefits?
I opened an online bank account with Simple within the last XXXX3 months. From the beginning I had multiple issues. Immediately I had trouble accessing money I had deposited into my account. I called customer service multiple times and got different answers. I was able to complete some small transactions. In early XXXX, Simple contacted me stating that they believed someone else had accessed my account. I called simple and they gave me instructions that I needed to verify some information. I logged into Simple as instructed and a pop up window with a customer service rep walked me through what I needed to do. I completed verifying my info for a new account, and even attached my drivers license and proof of residency for upload in the chat box, the rep explained that my money deposited in the old account would be transferred to the new XXXX and would be protected from fraud. and I should receive a new card in XXXX4 business days. I thought they said it would only take a couple of days but when that did n't happen I emailed and received a response saying it would take 7 business days. Seven days later my {$1300.00} ( approximate ) showed as pending. Sigh of relief! It will nice to have access after almost a month. Only to log in the next day with an account balance of {$0.00}. I proceeded to call customer service and explained the situation, the rep responded that it must be fraud and shut down my access to my account. They now refuse to give me any information at all or any of my money.
G.E Capital Care sold the account according to them to Synchrony Bank in XXXX FL., which lists XXXX numbers XXXX or XXXX when I called they said the account had doubled from XXXX to XXXX dollars, and suggested that I contact another offsite agency that handled charge offs. I told them I was going to come to you and they said submit a letter in writing and mail to XXXX FL, attn. '' Dispute Department.
I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.
I have tried to dispute this item that continually reports and shows on my credit reports and it does not belong to me. I have never seen this account before and it just mysteriously appeared on my credit showing as a new credit line with a current date. I have contacted all three credit reporting agencies and they have yet to remove this erroneous error from my report. It is listed as XXXX XXXX XXXX   collecting for a company called XXXX XXXX XXXX. I have never even heard of this company and with this derogatory mark sitting on my credit reports, it is inhibiting my chances of purchasing a home because of my score. Please help! 

Original creditor : XXXX XXXX XXXX {$250.00} XX/XX/2017 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information
I am not liable for this debt as per FCRA requirements by law. Furthermore this debt does not belong to me and this is the first time I received anything about this.
I went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous XXXX listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a result of identity theft.
On XXXX 2017, I received a collection letter from Credit Collection Services, XXXX, MA XXXX. I was perplexed by the collection notice as I have and have had insurance through the XXXX for almost 10 years. Immediately, I disputed file number XXXX. I explained that I continue to have the same insurance with The XXXX and only changed my last name from XXXX to XXXX. The debt for {$110.00} is not valid. Instead of investigating, the company posted this illegal debt on my credit report. Under the FCRA, a debt may be disputed within 30 days of receipt. Until the dispute is settled, the debt collector can not place the debt on the consumer 's credit. I am still disputing the validity of the debt.
XXXX 's website to freeze credit does not have a button for placing freeze but only have buttons for lifting freeze. See attached file. The same is true for Experian. I believe they deliberately make the freeze very difficult for consumer to use.