WillisBack/dataset-financial-user-claim huggingface dataset:
From XXXX - XXXX, I have CONTINUOUSLY BEEN A VICTIM OF IDENTITY THEFT I have reported this to all three Credit bureaus on a number of occasions Equifax XXXX XXXX To date I still have 4 Fraudulent accounts listed on my credit report 1 ) XXXX XXXX 2 ) XXXX XXXX 2 accounts 3 ) XXXX XXXX XXXX In addition, these account and other fraudulent accounts or attempted accounts have created Fraudulent Inquiries which also MUST BE REMOVED 1 ) XXXX XXXX XXXX 2 ) XXXX. ( 2 Inquiries ) 3 ) XXXX XXXX ( 2 Inquiries ) 4 ) XXXX 5 ) XXXX. ( 2 Inquiries ) 6 ) XXXX XXXX 7 ) XXXX. ( 2 Inquiries ) 8 ) XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX  14 ) XXXX XXXX 15 ) XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX 21 ) XXXX XXXX 22 ) XXXX XXXX XXXX XXXX 23 ) XXXX XXXX 24 ) XXXX XXXX. 2 Inquiries ) 25 ) XXXX  XXXX 26 ) XXXX XXXX These fraudulent accounts and inquires are Incorrect and Misleading and by federal law MUST be removed from my credit report immediately
i had an account with US Bank which i opened in year XX/XX/XXXX, on XX/XX/XXXX a bank Representative contact me asking me to give her my valid visa or green card, which i did by email, and she replied that i will be posted, later on i found out ( by chance ) that all my account were frozen ( hard block ) i contacted the costumer service which they refer a contact number that i should call, which i did, it was a near by branch of us bank, they did not knew why am calling, i visit the branch were i knew that my account was frozen because i was born in XXXX, and the account still frozen till this moment and they dont know when the account will be unfrozen so i dont have access to my funds so the bank froze my account for more than 15 weeks, without informing me, and when i knew no one gave me clear answer why it was frozen knowing that i submit all information needed from my end its act of discrimination and raciest, and i will go to court to escalate this matter
I sent ltc to my wallet today. On top of that, I received a notification that my transaction was suspended for 72 hours. But I need the money very soon. 

It was coinbase.com Referenz-Code : XXXX XXXX. XXXX 2018 XXXX LTC
We have an Adjustable Rate Mortgage that is being serviced by Ocwen Loan Servicing LLC . XXXX 2015 was a scheduled Change Date for our loan interest rate. It was also the first month when we have started repaying our Principal amount. The original principal payout schedule was included as a part of our signed Mortgage agreement and detailed in the attached Amortization Schedule. The Principal payout was supposed to start from {$1000.00} and gradually increase every month thereafter. However, the statement that we have received from Ocwen requested different monthly Principal payments starting {$1500.00}, about {$500.00} more compare to what was originally signed. Since XX/XX/XXXX any attempts to resolve this issue with Ocwen were unsuccessful, despite escalating it to account supervisors and management team. All request to correct Principal payout schedule resulted in Ocwen responding with an explanation of how Interest is being calculated on ARM mortgage. As a part of Adjustable Rate Mortgage, we have accepted the risk that monthly interest rate may change, but we have never agreed that principal payout amounts can be changed arbitrarily. To avoid any late fees or credit report issues we have paid amounts requested by Ocwen and stayed current with our loan, however we have not budgeted for such significant Principal increase in monthly payments, and asking for your help to resolve this issue and return to Principal payout schedule included in originally signed Mortgage agreement. We appreciate your help in this matter. 
Thank you!
On XX/XX/XXXX, at about XXXX, I received a call from someone names " XXXX XXXX '' who claimed to be an independent processor. His number was restricted. In his voicemail, he claimed that he was going to serve me at my residence with papers and to call a company called " XXXX '' if I had any questions. The number given was XXXX, and he gave me a case # XXXX. A man answered the phone after about 2 rings ( I forgot to record his name ), and promptly put me on hold. When he returned, he stated that for privacy reasons that I needed to confirm my last four of my social, which he read to me. This was my first indicator of potential fraud as anyone could simply agree that was their last four. He then preceded to tell me it was from XXXX XXXX, who I have never had an account with, and that it was from XX/XX/XXXX ( 11 years ago! ). I notified him of the statute of limitations, and he quickly became defensive and rude. As I continued to talk to him about my doubt of their legitimacy, he became angry and hung up. After some research online, I have found that this company is notoriously known for attempting to scam people for illegitimate debt, and was advised to file a report.
I am filing this complaint because when Harris Bank upgraded its online mobile and online banking system, it opted me in to services I did not agree to and is not allowing me access to my overdraft line of credit balance and payment history. On XX/XX/19, Harris upgraded its online and mobile banking platform without prior notification to customers. When I attempted to log in on XX/XX/19 via my mobile device, I received an error message advising me that the app was no longer active and advised me to download the updated app. Harris Bank has multiple apps and the message did not specify which app to download. After several attempts, I did have the correct app but it kept crashing when I tried to pay my bills. I paid my bills online via my PC and sent a message to the Bank via my online messaging center regarding the functionality and difficulty with this new platform, but received no response as of this date. On XXXX I contacted the XXXX help desk to ask how I can turn off the constant e-mail messaging I was now getting from Harris each time a bill was paid from my account and how to de-activate the e-bill option. Harris had started converting my bills to e-bills without my consent. While this conversion was only for 90 days and I would still receive paper bills, it was a service I did not opt in for and they had no method of allowing me to cancel it. After being on hold for 1/2 hour, I did reach a representative who was not able to assist, even after troubleshooting with me. She transferred me to technical support and my call was dropped. No one called or emailed me back with additional information. On XXXX I received a notice that my overdraft line of credit activated. When I logged into my account both via PC and mobile, I could not find the line of credit. It was not listed with my accounts as it had been in the past. I called the help desk and the rep was not able to assist me and did not appear to be familiar with the new platform. She transferred me to technical support. I am typing this while on hold, clocking in at 45 minutes now. During a review of BMO 's mobile app since the new platform, I noted 473 1-star ratings and 54 2-star ratings. Harris ' XXXX feed has dozens of complaints related to this upgrade. The BMO digital app for XXXX  also has dozens of posts of users being frustrated with this app. The saving grace for the individuals posting on XXXX and XXXX  app platforms is that they received a response back from Harris. I have yet to be contacted. I was told by the rep that if a call is dropped, they are not allowed to call the customer back. I have now clocked in at 53 minutes on hold and will hang up. Harris Bank has a responsibility to listen to these complaints and at minimum, have appropriate ( trained ) staff available to handle calls and consumer complaints.
I signed up for a Citibank Interest Checking account because they were offering a {$400.00} cash bonus. The terms of the bonus were as follows : must deposit {$15000.00} within 30 days of account opening and must maintain that balance for 30 days. The bonus would be paid within 90 days of meeting those terms. 
I transferred in {$15000.00} on XX/XX/XXXX Met 30 days criterion on XX/XX/XXXX ( balance never dropped below {$15000.00} ) Met +90 days criterion on XX/XX/XXXX I 've tried calling Citibank several times since then to get them to post the bonus to my account and have been met only with promises to investigate the issue further. The representatives I 've spoken with have confirmed my eligibility for the bonus and seem as perplexed as I am as to why I have not yet received it.
I CONTACTED COMPANY WHO WAS COMPLETELY RUDE AND UNWILLING TO PROVE DEBT. THEY SAY I OWE XXXX AND ANOTHER AMOUNT OF XXXX. ON XX/XX/17
Equifax is not reporting accounts accurately. I have contacted them about my XXXX XXXX credit account ending in XXXX with XXXX XXXX  & XXXX XXXX account ending XXXX also with XXXX XXXX  several times to have them added to my report & updated properly. I have contacted the company & they stated that they are sending monthly updates to Equifax but they are refusing to update the information.
In this Issue I purchased XXXX engraving machines from XXXX I could not get XXXX machine to work seller asked for me to send the XXXX not working back to them and the other XXXX to a customer and they would refund my money and pay shipping, did n't happen. I faxed XXXX and pay pal my complaint a couple of days before the deadline did n't see any answer so I called said never received it resent it they now said this was after deadline so now I am paying {$37.00} a month for something that was stolen from me. Both XXXX and pay pal are thieves. I am XXXX years old and trying to develop some extra income instead thieves are draining.
Despite writing two letters to Capital One to correct my payment history across my three credit cards, they continue to report no payments for XXXX andXX/XX/XXXX on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.
I have repeatedly requested for documentation from XXXX to verify the debt of {$1300.00} that is reported on my file. They after repeated attempts have not sent me the documention to verify said debt and I disputed the debt with Equifax. Equifax informed me that their investigation consists on them taking the word of XXXX that they have the documentation for the debt, when I requested what documentation they had received to verify the debt they informed me they have n't they are taking the XXXX company at their word. XXXX is subject to a True Consent order imposed to them via a legal action and at this stage have not provided any evidence to me or to the reporting ageny for this alleged debt.
This company " Portfolio Recov '' calls me daily using a bevy of different phone numbers. I 've read that they are a collection agency. We have absolutely no past due outstanding debt. There is no reason for them to be calling me and I want it to stop! My understanding is they are scammers who try to collect fraudulent debts from unsuspecting people.
I have contacted both XXXX and Nelnet regarding this issue.

XXXX  conducted an investigation and despite verifying that they received false information from Nelnet on accounts that have been closed for over 8 years, they refuse to remove them from my credit report.

Furthermore, Nelnet continues to revive the timeline on these accounts which has completely ruined my credit for nearly a decade now.

Both XXXX and Nelnet are colluding in this fraud, and I am not the only one given the numerous complaints and law suits against both.

The CFPBs lack of action in this matter is also unnerving, as this is my third complaint. Everyone just keep saying " talk to XXXX '', or " talk to Nelnet '', which I have done - repeatedly - with no resolve.
I saw numerous inquiries on my report that were considered hard hits by companies I do not recognize. 


XXXX XXXX, 2016 by XXXX XXXX XXXX, 2106 by XXXX XXXX XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XX/XX/XXXXXXXX XXXX, 2016 by XXXX XXXX for credit cards and airlines
I tried to get my free credit report online. I was unable to do so. I fear someone is using my credit.
I brought a mobile home fro m 21st Mo rtgage  in 2008, no w that I am getting near the end I seem to have more add on fees. I have inquired about these fees and they become belligerent and talk to me with blatant disrespect. My amount that I owe them is wrong and they refused to fix it, they also have taken my insurance money without my approval and added it to my loan which has not done anything for the amount. I have repeatedly tried to call them and ask for the amount they are sending the credit company in regards to my credit re port. 21st Mort gage have a lot of practices that need to be looked into, during the times everyone was coming back from Hurricane  XXXX . We brought homes and like myself only owed {$11000.00} but to still be paying them to this date is so utterly unfair. We should have been finished with them I am not understanding why we are not and they refused to answer any questions. There is a guy name   d (   XXXX   ) no  last name and he is always rude and talk to you any type of way with little to no respect of who you are, I truly need help to get this completed ASAP.
[ THIS IS A RESUBMISSION OF COMPLAINT NO. XXXX, FILED AGAINST XXXX ON XX/XX/XXXX. ] On XX/XX/XXXX, we refinanced a home with USAA ( d.b.a. XXXX XXXX XXXX XXXX ). Because we just today sold the home and pulled out some old paperwork, we realized we were never contacted by USAA after we complained during the closing that we had never obtained a Good Faith Estimate. Thus, when the HUD-1 arrived, we were surprised by some of the numbers. When we told the settlement agent, she advised that we write on the closing  documents that a GFE had not been received, and that she would speak with the lender about it. ( The lender also said we could delay closing but that our rate lock would expire if we did so. ) If there is anything that can be done at the juncture, we would appreciate it.
In XXXX I purchased an item online using my Citibank Mastercard. The seller did not have the item in inventory at the time of purchase but told me they would within a month. Two months later I still did not have the item and so filed a dispute on the charge with Citibank and they provided me with a conditional credit. The item then arrived a week later. When I authroized Citibank to reinstate the charge they charged me twice for the item. In several email and telephone contacts with them I was repeatedly assured the duplicate charge would be reversed yet they have not done so and I feel I have nowhere else to turn.
FedLoan Servicing is the worst company I have ever dealt with. They have terrible customer service, do not follow the law when it comes to the terms of forgiveness programs, and put my account into delinquent status for 2-3 weeks every month because they do n't process payments in a timely manner.
My current issue relates to making loan payments with my XXXX XXXX XXXX XXXX. They ca n't seem to process these correctly. I have to call several times each month to check on the status. I am currently on the phone with the 4th person I 've spoke to this month about my payment made on XXXX/XXXX/2017, which they have apparently " lost ''. This is the first person that stated the payment is not showing in their system. The other 3 stated that it would be processed soon. The payment they have no record of. Did those 3 even look at my account?
Additionally, they have cheated me out of almost 3 years of qualified payments under the Public Service Loan Forgiveness Act. They refuse to follow the policy in the PSLF documentation in terms of awarding up to 12 months for lump sum payments made with the XXXX XXXX XXXX. I have been calling them about this issue for months and they refuse to do anything about it.
I have an American Express Prepaid Redcard. It is loaded at XXXX. I went to a XXXX on XXXX XXXX, 2015 at XXXX. 
I loaded {$490.00} to my Redcard using my debit card. The receipt printed. On the receipt in showed an incorrect balance for the Redcard. This indicated that the load failed on American Express end. The receipt also shows that the money came off of my debit card. I initiated a dispute with American Express at ( XXXX ) XXXX immediately. I kept in touch with American Express for XXXX weeks. Still no money. On XXXX XXXX I spoke to someone at American express again. They got someone on line from American Express in Utah. This person was XXXX XXXX. XXXX said send him a copy of my receipt and I would have my money in XXXX days. It has been XXXX days since then and XXXX days since I first contacted AMex. XXXX XXXX ' XXXX email is XXXXXXXXXXXX. I have sent numerous messages to him with no response. So this evening I called the number again. I was told they were not doing anything. That they determined no money was due. 
So they take the money off my debit card, do n't load my prepaid card and keep the money. This is unacceptable. 

I have attached a copy of my receipt. This clearly shows the money was taken from my debit card.
I had a judgment against myself in the original amount of {$670.00}, through XXXX County Superior Court. Over time, this judgment incurred interest, in which I agreed to settle on a total amount of {$1700.00}, with a one time payment. This payment was made via XXXX Bank Personal Check, No. XXXX, on XXXX/XXXX/15, in the amount of {$1700.00}. 

I never received a receipt from XXXX County Superior Court, so I do n't have one to furnish, but I have attached a copy of the payment. The rest of the information I have on the judgment is as follows : Payment Date : XXXX/XXXX/15 Check No. : XXXX Amount : {$1700.00} Bank : XXXX Bank Address ID No. : XXXX - Experian Identification No. : XXXX - Experian XXXX ID No. : XXXX This judgment is showing up on both my Experian and XXXX Credit Report. Had I not have just started a Home Loan, I would have never known about it. This is affecting myself and my family more so due to my Credit Score being affected by an estimated XXXX points, while being in the middle of underwriting a Home Loan. 

I have submitted disputes with both Experian and XXXX, as well as submitted a compliant to the XXXX, along with your Bureau. Please let me know if there 's anything I can do to help move this along as quickly as possible, the difference in Interest Rates will cost me thousands, upon thousands of dollars if I do n't get this taken care of. 

Thank you for your time, I appreciate your help. 

XXXX XXXX XXXX XXXX
Failed to supply sufficient documentation of a debt they are attempting to collect in accordance with the Fair Credit Reporting Ac t, Section 611 ( a ) ( 6 ) and ( 7 ) res ulting in adverse reporting to the major credit bureaus and my denial of credit.     I have contacted the company multiple times in writing without receiving a satisfactory response.     I have researched their histo ry. Cavlary 's Consent Order with the   State of Arizona ( my prior residence ) requires positive improvements in how they conduct business. This has not proven to be the case as they continue to fail to disclose properly and   timely.
I had a XXXX XX/XX/XXXX. Prior to my XXXX I met the family deductible and paid my outstanding deductible in full to XXXX Hospital. Approximately 3-4 months after my XXXX I received a letter from Americollect stating my account with XXXX was past due and they were trying to collect. I explained that this was a surprise since I never received a statement from XXXX since I had my XXXX. Nor did they call us to try and reach out. We were n't expecting any statements from XXXX since I was paid in full for the year. The hospital apparently misapplied a payment that we made in XX/XX/XXXX to my wife 's account instead of mine. She was already paid in full with deductible met so it created a very large credit. They never called to tell her this and it never showed up on her statements. It was n't until XX/XX/XXXX that we discovered this credit. XXXX has been taking from that credit and applying to each bill of hers for XX/XX/XXXX. XXXX never sent us statements because there were no payments due. She should be paying on her account as normal meanwhile my account is sent to collections because of their misapplication of funds. XXXX and Americollect will not help us get this resolved. I immediately filed a dispute letter XX/XX/XXXX when I was first notified by registered mail. My letter quoted the law stating they were no longer allowed to collect this debt from me since it was paid. They ignored the letter and continued calling. The last call they indicated that they would work with XXXX to get this straightened out. It was about 4-6 weeks later and I received a notice that my credit report now has collection on it which ruins my credit score. They gave us no notice this was done. They broke the law by disregarding the instructions in the dispute letter and need to be held accountable. They did n't give us proper information to even try and validate the debt.
I dont know why XXXX XXXX XXXX XXXX is stating that i owe them XXXX for the vehicle? I returned them this car years ago. It was never repoed. I could afford the car so i gave it back to the bank. I called them and had the vehicle picked up by there boss.
XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XX/XX/XXXX and XX/XX/XXXX. Per XXXX XXXX XXXX  records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XX/XX/XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XX/XX/XXXXpayment 3 ) XX/XX/XXXX received {$1200.00} to satisfy theXX/XX/XXXX payment 4 ) Not sure how XX/XX/XXXXcan be marked as late when the month of XX/XX/XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage sinceXX/XX/XXXXand somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.
Was going through financial hardships and fell behin d on 2 payments to Conns. I received a letter in the mail stating that I could pay a certain amount and make my account current ( an extension ). I called and spoke to a representative that told me that if I paid the required amount that my account would be current and the late payments would be removed. The   late payments were never removed from all  XXXX  credit bureaus and I called again to speak to a representative. This time around I was told to fax a letter stating what took place and to request that the late payment remarks be removed. I have n't heard anything back and the late payments still remain on my credit. I am working to improved my credit and these late remarks are hurting my credit scores.
I 've received XXXX calls from people at IC System named XXXX and XXXX, and in both cases, I was asked to verify who I am and my address. But when I asked who was calling and why, they would only tell me that they were with IC Systems and that they were calling about a " business matter. '' When I asked what the " business matter '' was about, they refused to tell me more until I verified my address. They both became increasingly indignant, and contunined to refuse to tell me what kind of company they were calling from and why they were calling. Not once did they mention that they were calling to collect on a debt. In XXXX case, I told the caller that not disclosing what the call was about was illegal, and the caller, XXXX, claimed that it was legal, saying that my information was already public and they just needed to verify it before disclosing why they were calling. It was only after I looked up IC System that I learned they were a debt collection agency.