WillisBack/dataset-financial-user-claim huggingface dataset:
I was notified that a personal checking account was fraudulently opened online with a bank that I have never even heard of. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.
XXXX XXXX decided to send information to the credit reporting bureaus and alledge medical debt ( XXXX ) in total without proper verification. This should not be on my credit report because I told them I am working with my medical insurance companies to see if the charges are correct and this debt has not been properly verified and investigated.
XXXX repo my boat and never gave me a change to get it back. The sold the note and recoveries to XXXX XXXX. A year after they sold the rights to the vessel they came back on me a put a Final Judgment in the state of XXXX after selling their rights to collect on the note. They also sold the vessel in XXXX not to comply with XXXX Statues. XXXX came back after to put another Judgment on me for the same note.
I received a post card from Huntington Bank, stating that if I open a checking accounting plus a payroll direct deposit over next 60 days, I would receive {$200.00} incentives. But I could not find it when I wanted to open an account. Then, I went to the local XXXX branch. The manger searched their database and could not find any records of their mailing to me. He also tried to see any unused promotion codes that he could apply it to me. He did not find any. I went back home and XXXX the promotion. I found that Huntington Bank website offered the same promotion but with {$150.00} incentives. I applied for a checking & saving account online on XXXX/XXXX/2015. Everything went smoothly. I forgot the {$150.00} until one day I received a message from the Bank, stating that if I could open a money market account, I would receive {$100.00} incentives. This reminded me about my {$150.00}. On XXXX/XXXX/2015 ( XXXX ), I called XXXX from my cell and talked to a lady. She said that there was a problem in my initial application. She would initiate an investigation to find out whether there was an online promotion during the period that I opened an account. She said that I would receive findings in mail in FIVE days and asked me to call back if I did not receive the letter. On XXXX/XXXX/2015 XXXX XXXX XXXX, I called XXXX from my home because I did not receive any mail ( even up to today XXXX/XXXX/2015 ). The gentleman that I talked to said that they were still investigating it and the information given previously was misleading. I was mad. I could smell that the bank was not sincere. On XXXX/XXXX/2015 XXXX XXXX ), I called XXXX from my office. A lady answered me. She saw the time that I called but she did not find why I was calling for. She said that the promotion code that I entered was " funny ''. It is funny if a wrong code was entered, the Bank would reject it immediately. She said that she would fill a form and expedite the investigation. To be honest, I am getting to lose the confidence in this bank. I filed a complaint XXXX on XXXX/XXXX/2015 XXXX Refer # XXXX XXXX. Today, XXXX told me that the Bank required more time to investigate the matter. It has been 30 days since I initially filed the complaint to the Bank on XXXX/XXXX/2015. It is a simple issue. What is going on with the Bank?
I sent the credit reporting agencies EQUIFAX and XXXX as well the COLLECTION AGENCY XXXX XXXX XXXX XXXX, and the alleged creditor XXXX XXXX XXXX  certified documents in refrence to an alleged debt, stating per federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standardsof practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim. per law any defiient of substantial and evident matters of facts would be unethically reported and  even illegally reported. My state and federal laws alike agree that neither willful nor ignorant disregard is acceptable so I demand here today RIGHT NOW, that the allegatuions in challenge be eradicated in full or else wise demostrated in its entirely to be compliant in every aspects of its reporting. to retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The curentlyunfounded and even not certified true or correct misinformation of such is misreporting is as follows and must be deleted immediately so please do so with delay.Alleged Reporting data Provider, Collection Agency: XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXXNot Proven Compliant Account: XXXX** THE ORIGINAL CREDITOR XXXX XXXX HAS NOT  RESPONDED TO MY REQUEST,AND XXXX XXXX XXXX FAILED TO MEET MY REQUEST. (PLEASE SEE ATTACHMENTS) ..
I was contacted by XXXX XXXX XXXX on Thursday XX/XX/2018 a very detailed voicemail was left. The lady stated that she was calling from XXXX XXXX XXXX Economic Crimes Department, in her message she said her name was XXXX XXXX, XXXX ( I'm not really sure she was really hard to understand ) she said she was contacting me regarding a criminal complaint that has been filed against me in regards to stolen property, this complaint goes against my name and social. She said that it is imperative that I call her immediately at ( XXXX ) XXXX. She said that I have been legally notified in accordance with all federal and state laws and to govern myself accordingly. 

Immediately contacted this representative back, I let her know that prior to her contacting me I was working with another representative XXXX who was taking {$150.00} payments from my checking account every month and those payments have since stopped. I let XXXX know that I tried to contact XXXX after the payments stopped but the number was no longer in service. XXXX rudely interrupted me she let me know that I was in possession of stolen property and That I need to pay the total amount owed or this will go to court. I tried to explain to XXXX again that I have been trying to make good on what I owed but the other agency disappeared. XXXX repeated herself again stating I was in possession of stolen property and that I needed to pay this debt in full and that she is in the mediation department she is not a collector. Since I was at work I asked her to hold while I go to my car to speak to her privately. When I got into my car my phone automatically connected to the Bluetooth in my car. I let XXXX know that I can't pay the full balance that I can only make partial monthly payments on what I owe every month. XXXX then got extremely stern with me she told me that she did not understand why I was recording the call that it was " annoying '' she said that the debt had to paid in full she told me to get a lawyer and hung up the phone on me .... Meanwhile the call was not being recorded it was just connected to my Bluetooth in my car. 

I was in shock, I could not believe how she spoke to me. So I immediately called back the phone went straight to voicemail, I left a very detailed message sating that I don't understand why I was hung up on when I'm trying to pay what I owe in payments as appose to full payments. I never got a call back from the voicemail I left. Two days later I called and a lady answered I asked to speak with XXXX 's supervisor because I did not agree with the way the Mediation rep handled our conversation, she then placed me on hold for 2 minutes and my call was forwarded to a voicemail.
In XX/XX/XXXX, I was discharged from a Chapter XXXX bankruptcy filed in XX/XX/XXXX. The reason I filed for a Chapter XXXX instead of Chapter XXXX bankruptcy was due to wanting to take all measures to keep my home. During the bankruptcy repayment period, my mortgage was sold to Nationstar. Upon the completion of the bankruptcy in XXXX, I contacted Nationstar to make sure that they had everything they needed in order for me to resume paying the mortgage now directly to Nationstar. During that call I was informed that they did not have record of me completing the bankruptcy and to call back later. I called XXXX more times during XXXX and XXXX, each time being told that they still did not have any record of me completing the bankruptcy and that I could not access the account online or receive statements. They told me that they could not give me any information because I was in bankruptcy. Nevertheless, I did begin to send them payments for the mortgage in the hopes that this would be resolved. 
To this date, I still have never received an account statement from Nationstar showing me what I owe overall or what my monthly payment should be or no record showing that the payments that I have sent have been applied to my principal loan amount. The last time that I called Nationstar stated that they would get notification on when I was out of bankruptcy and that they would be contacting me. On XXXX of the phone calls to Nationstar, they appeared to be very disorganized and told me that I had not being paying the mortgage and that I was in foreclosure. I called my attorney and his paralegal told me that Nationstar had approximately {$67000.00} in the trustees ' account that had not been collected or applied to my account. Due to the lack of communication and statements from Nationstar, I stopped sending payments as I had no idea where these payments were going or if they were even being applied to my account. 
On XX/XX/XXXX, I received a certified letter from Nationstar, stating that I am now {$22000.00} in arrears and I have until XXXX XXXX to cure this. Meanwhile, I still have yet to receive even XXXX statement from Nationstar showing my principal loan balance or any record of the status of my account. Upon receiving this letter I immediately contacted Nationstar to see what this was about and why I have not received any statements from them and their representative told me, " Yes, I see we are not sending you statements and I am not sure why. '' I want to pay my mortgage and provide a homestead for my family, but I do not have {$22000.00} in full to avoid foreclosure.
I have a CitiMortgage loan account it went past due back in XXXX or XXXX I got a letter from XXXX XXXX XXXX saying they could help me work out a repayment plan with CitiMortgage. So i paid them a lump sum up front and made payments to them for 18 months. Then i found out they did nothing for me at all they just took my payments and got me more behind with CitiMortgage. 
Since that time i have been trying to get my loan in some kind of repayment plan But CitiMortgage is very unwilling to work with me They keep asking for documents that i have already sent over and over again. 
Then CitiMortgage started coming up with other reasons such as your interest rate is lower now then what we can offer you. 
You have already had loan Modifications in the past we can not offer you another one. 
Your paperwork was not sent on time to stop your foreclosure. 
In the last year i have received loan modification paperwork from CitiMortgage but then i was told it was not approved or sent by CitiMortgage. 

These are the problems i am having with CitiMortgage besides the fact i have asked for copy 's of my loan documents from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, So i can find out what kind of fraud is going on with my account. 
Instead i get the run around and to this date i have not seen one document i have asked for all i want to do is resolved this matter. 
I have told CitiMortgage many time i believe my account information has been tampered with and it need to be looked at, There answer to me is. OH IT IS SET FOR A FORECLOSURE SALE AND I CAN NOT STOP THE SALE. 
There is a sale date set for XXXX/XXXX/XXXX I need this canceled until we can get to the bottom of the fraudulent activities going on. 

XXXX
My name is XXXX XXXX, i currently have a mortgage with freedom mortgage. I lost my j9b and became 2 months behind, i have been in loss mitigation for over a year, the company just before XXXX  told me they had all documents and a decision would be in 30 days, never recieved that decision in writing or by phone. Last week i was notified they were missing documents, i sent them to the company and the week before i sent them other documents that they have requested, this has been going on for a year now, plus on top of that every month they include inspection fees. This month when i went to pay the mortgage i found the customer service rep to be extremely rude, i made my payment however she was very persistant about paying the behind payments, i told her we were working with loss mitigation.
I was contacted via phone a few months ago by Toyota Financial Services and was told I owed over {$1000.00}, not including the usual monthly payment. When I asked what the additional money was for the representative was n't able to tell me, just that I had to pay the amount. 

When I asked to speak with a manager he was n't able to get a manager for me. I asked if he could just email me the information since I already get all of my bills online anyways but he said the company does n't allow that. 

I 've since been getting harassing calls to the point I 've had to block the numbers that Toyota uses because they do n't leave voicemail 's stating who they are or why they 're calling, apparently that 's also against their policies. So I will sometimes get 5+ calls a day from a random number that never leaves a voicemail.

I found out that the extra charge was for a personal property tax but I also found out that I 'm being charged an additional {$830.00} for a past due payment amount. 
I sent the following to Toyota in an email asking for clarification but they refused to reply to my email. 

" I have been making over the minimum payment to pay towards the " Personal Property Tax '' that I am being charged. My statement is now showing that I owe {$3000.00} and that my " PPT '' has gone from {$310.00} last statement to {$1300.00} this statement. Also, what are these monthly {$840.00} " past due payment amounts '' I 'm being charged? This month it is {$830.00} and last month it was {$860.00}, but the previous two months it was {$840.00}. Please email regarding this because I do not answer phone numbers I do n't recognize and I also require a record of all conversations between Toyota Financial Services and myself for legal purposes. ''
I really need your help because at this point I do n't know where to turn. I opened the mail and I saw XXXX letters. XXXX from XXXX credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other bureaus removed the information I challenged. 
For some reason your company did not remove it. I 'm a little confused here. How is it that the other bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, I 'm not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. 
Please remove this account
Equifax is not doing a proper investigation. They keep saying it is verified. I want to know who are they contacting with the creditor. Also they are not providing papers under the FCRA XXXX which they need to have to be able to report and item. Also they remove something and it gets reinserted without letting me know which is a Violation of the FCRA.
My name is XXXX XXXX and This complaint is against XXXX XXXX. While monitoring my credit diligently trying to increase my credit score, I spoke with a agent at XXXX who informed me that If I were to get a " deletion letter '' from all the creditors that are reporting their inquires to my credit reports, they could only then remove the inquires. I had just ( like 3 weeks ago ) finished paying off my XXXX XXXX XXXX account so tried to start with them. The rep that I spoke with stated they had no idea what I was talking about, after speaking to her supervisor put in a complaint and said something about disputing the inquiry, I explained to her that I did n't want them to do anything but send me a letter to mail into my cbr 's, here we are 3 days later after being told I would receive a letter 20 days later letting me know of the outcome I see where they went and DISPUTED the account I JUST PAID OFF, causing my credit score to drop by 20 POINTS!!!!!! So I called and spoke to 2 separate supervisors one that left me on hold for 40 minutes never returning to the phone and the other telling me there 's nothing they can do to remove the dispute ( THAT I NEVER MADE ) and all she could do is make notes that I no longer wanted to dispute the account!!!!! Why on earth would I dispute an account that I worked so hard to pay off so that it would reflect good on my CBR and raise my credit score????!!!! So now after working so hard to increase my score I 'm 20 points down, oh and here 's the thing my credit score had just gone up 18 points just YESTERDAY only for it to drop down 20 today  all because of a Dispute I DIDNT MAKE!!!!!
I initiated a transaction of $ XXXX/- from my XXXX XXXX XXXX Account to XXXX bank account on XX/XX/XXXX and was promised money will be deposited on XX/XX/XXXX But I did not see money until now, when I called Western Union about this, several time ( 6-8 times ) I always got different answer and no one tried to help me with my money I do not know where is my money and how will I get it from western union They do not call or send email on its status
In    2011 R esurgent Capital Services bought a debt from  XXXX   XXXX  and I advised both companies that the debt was not mine and the account was opened illegally. I 've disputed the item several times with all   XXXX   major bureaus and the debt always comes back as verified which is strange because when I talked to  XXXX  at  XXXX  in the fraud department she advised me that she could not send me validation of the debt because it was sold to  Rsurgent  i n 2011. I c ontacted Resurgent several times over the years asking for verification and each time I 'm told I 'll receive it in the mail but nothing ever comes. This negative item on my credit report has been the reaso n I   XXXX  denies employment, credit, and pay higher premiums in insurance. For years know this company has been trying to collect on a debt that does not belong to me. I 've suffered from major headaches. High level of anxiety because of this. This company  XXXX  hi all and illegal practices that needs to be stopped. I had to pull my daughter out of her private school and send her to public school because I was denied a student loan for her. This company has turned my life up side down.   XXXX   sent me a letter stating, '' This is attempt to collect a debt ''. This is the only letter I receive when I request validation of the debt.
PROCOLLECT , INC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  IN REGARDS TO ACCOUNT  XXXX  THE FOLLOWING AGENCY IS NOT BONDED IN THE STATE OF TEXAS AND CAN NOT LEGALLY COLLECT SAID DEBT. BY TEXAS  SURETY BOND L AW ALL ADDRESSES AND BUSINESS NAMES MUST BE CORRECT.   PROCOLLECT , INC, ADDRESS THAT IS PROVIDED ON CREDIT REPORT DOES N'T EVEN MATCH TO AN ACTIVE BOND IN THE STATE OF TEXAS.   PLEASE REMOVE FROM ALL  XXXX  CREDIT BUREAU AND CONFIRM THAT DEBT IS NOT OWED.
After online activation of a new bank issued ATM card in the state of XXXX, my online checking account was hacked and an unknown person transferred funds from another linked checking account, on the same date, merchant purchases were made and ATM withdrawals were made in excess of my daily limit in the state of XXXX. I immediately notified the Bank of America. A hold was place on the account. After a review, Bank of America denied the online claim, withdrew the credit for the purchases and ATM withdrawal, but could not provide backup evidence to support the denial. A police report in my home city was submitted attesting to the fact that I did not authorize any of the transactions nor did I travel to XXXX. After requesting Bank of America 's documentation to support the denial, I was told there was no documentation only an opinion that the transaction were authorized because the online access was hacked when activation of the new ATM card occurred. Bank of America also withdrew funds from the new checking account opened with them to cover the funds used to make the unauthorized purchases and ATM withdrawals.
Back in XX/XX/XXXX/XX/XX/2018 I moved my full credit balance with Bank of America to another Credit Card company. I had elected to have my statements online so I was not receiving anything in the mail to review. Now, in mid-XXXX I am told my credit line is decreased, but more importantly it appears my account is now showing a delinquency with the reporting agencies adversely affecting my credit score. 

My issue is not with the interest charged, but with the lack of any kind of contact before reporting the delinquency. I do not understand why a paper letter or phone call was not placed in the 3 months it was open to me to help resolve before reporting the delinquency. Looking at the mail the morning of XX/XX/XXXX, I placed a call immediately to Bank of America and dealt with their horrible IVR that does not seem to have a setting for when it does not understand what you want to do to get you to a front line agent. Once talking to an agent I paid the amount in full and closed the account. 

However, I believe the bank 's practices on accounts in similar situations such as mine needs to be thoroughly looked at so the consumer is made aware of the issue before it gets reported to outside agencies and has the opportunity to resolve.
this is the third debt collector that has contacted me regarding a loan discharged in bankruptcy. I sent the requisite letters and they have reported it to XXXX, XXXX, etc, where I have then disputed the claims. The debt was discharged in 2012. The continued reopening of this debt is very tiring and I am saddled with chasing it down each time. 

The company this time is Weltman, Weinberg and Reis, XXXX XXXX XXXX, XXXX XXXX OH XXXX