WillisBack/dataset-financial-user-claim huggingface dataset:
Please refer to my Memo and Videos attached. 
A brief background - I found out XX/XX/XXXX that XXXX employee - I do not know who - placed me in a contract with a non-existent lender - XXXX a New York Corporation as of XX/XX/XXXX. An inside employee at XXXX sent me further information concerning fact that someone was financially benefitting from my monthly payments and that my loan application was changed after I signed it i.e. increased my checking account balance to meet the guidelines to fund the transaction. I know this is identity theft. I have been asking the debt collectors XXXX XXXX XXXX for the Account Loan Data from Original Lender since XX/XX/XXXX and made clear -- -- -- -- I stand on UCC 3501 and I am not in default in accordance to UCC 3501. Deserve to know the truth and expect the truth. XXXX XXXX XXXX strung me along and I believe charged off the debt to collector the ledger credit which I know about after reading the Federal Reserve Publications of XXXX, XXXX and XXXX This was not good enough for debt collectors XXXX. I also found out about the credit default swaps and default insurance taken out using my signature. Fast Forward to XX/XX/XXXX, without my permission pursuant to 15 USC 1692c, XXXX XXXX XXXX Debt collector sold my private information to another group of misconduct debt collectors - XXXX XXXX dba XXXX XXXX XXXX and also Residential Credit Solutions -- XXXX XXXX was caught lying about not having an interest in my other property in XXXX ; XXXX uses shell companies to steal real property -- -and I have the proof and witnesses which I plan to turn over to authorities. So he is the last person whom I would want to have my personal data -- -CFPB has already determined that these misconduct debt collectors purchase only electronic data. XXXX 's partner is Residential Credit Solutions Inc. also a firm debt collector. I am very well versed in FDCPA and FCRA. I teach a class every Sunday to varied professionals via XXXX. 
Greed and failure to refuse to abide law and respect lives of others - I should not be punished for abiding to law and educating myself on this theft and the abuse against others who have no voice. Let 's see person hiding behind Residential Credit Solutions XXXX who chose to work with XXXX XXXX XXXX : choosing to XXXX me around and choose not to provide me with the Account XXXX XXXX from the Original Lender feel my stress and pain ; the thought of not able to house myself due to the credit issues caused by crooked XXXX XXXX who works closely with these misconduct debt XXXX and the rigged auction buyers. Let 's see this person live in their car in the cold with children. These debt collectors need to be shut down -- our lives matter!
Since XX/XX/XXXX And More reported update With the XXXX XXXX XXXX XXXX I have phoned each incident To FTC and IRS and the 3 credit reporting bureaus All police reports copies of Wrong placed bills in my name All my properties were stolen XX/XX/XXXX And still in court trying to get corrected It is affecting my right to purchase a home Effecting my work employability And effecting my name- incorrectly Fraudulent use of my name Bank Accts etc ....

Fraud and crime noted thru Police depts and state officials ( I also have a Bankruptcy which should have been cleared and removedXX/XX/XXXX And should no longer be visible thru my credit report Sta. U.
I HAVE SENT XXXX DIFFERENT LETTERS MONTHS APART ASKING THIS COMPANY TO STOP HARASSING ME ABOUT SOME ACCOUNT THAT IS NOT MINE. THEY HAVE CONTINUED TO DO SO.
I was contacted by IQ DATA INTERNATIONAL XXXX XXXX  XXXX XXXX, WA XXXX ( XXXX ) XXXX who stated that they were the attorneys hired by SURE DEPOSIT TEXAS to collect {$270.00} on the company 's behalf. IQ DATA Threatened to contact my employer or share information it force payment and if that doesn't work they also stated that they will sue me and I will pay their legal fees if I don't pay them. The amount they want to collect is allegedly for a water bill due in XX/XX/XXXX which that I already paid to my Apartment complex which is always due and included in my rent. They have refused to contact the apartment complex to validate the information and has since then increased the balance and left messages at my job as they previously threatened to do.
I have written four letters disputing XXXX from Experian, XXXX, and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
The address XXXX, NJ XXXX was my ex-husband XXXX address I never lived there.
applied for a XXXX refiance told the person taking the application this was a XXXX/transport suv they said they do those kinds of loans as of XXXX..so went forward with the application..he said everything looks good credit score money in bank.platnum honors with bof a..then then denied me credit due to there historical experience with industry..they have not had any history for XXXX/commefcial loans i believe they should have decided on my ability to repay..see attached letter can they do that?
HI! 

THREE OF MY SSN PENSION CHECKS HAVE BEEN STOLEN THROUGH THE XXXX XXXX IN XXXX TEXAS! THE PERPS DON'T THINK THAT I CAN US FDIC TO RECOVER THIS! HAS BEEN REPORTED TO THE SOCIAL SECURITY ADMISTRATION, AND POLICE! 

THIS HAS CREATED A HARDSHIP FOR NOW, AND I WOULD LIKE FOR THEM TO USE THE STOLEN FRAUD MONEY TAKEN OUT OF MY ACCOUNT THE PAST YEAR TO MAKE THE PAYMENTS UNTIL MY PENSION IS RECOVERED! COMPLAINT NUMBER XXXX-XXXX.I HAVE FULL INTENT TO PAY BACK WHAT I HAVE BORROWED! THANK YOU AND HAVE A GREAT DAY!
I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX
We have had for a number of years a Visa XXXX XXXX Chase XXXX XXXX card. We are not and have never been delinquent. Our card was cancelled without notice to us. We have spent countless hours and talked to no less XXXX different people at Chase/ Visa all of whom say they have no idea why the card was cancelled, they do not know anything and we should call some one else.The most aggravating run-around you could imagine. This is causing us -- seniors -- great trouble with our vendors, but the greatest frustration is Visa/ Chase XXXX who never notified us in the first place and now repeatedly ignores us when all we want to know is why they cancelled our card?
XXXX has incorrect balance owed on 3 credit cards that were closed. XXXX XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$150.00} All 3 credit cards were closed by me because all 3 committed Fraudulent Fees to my account. I want my Credit Report to reflex the correct balance owed on all three credit cards accounts that were closed. XXXX XXXX XXXX
Name : Southwest Credit Amount : {$1200.00} Original Creditor : XXXX XXXX   For the month of XXXX ( XX/XX/XXXX ), a total of {$1000.00} was paid to XXXX XXXX. This amount included all payment that was due for rent and utilities, and it was paid on time. My wife and I then paid rent/utilities for XXXX ( XX/XX/XXXX) on time as we gathered and submitted our proof of payment for the month of XX/XX/XXXX. XX/XX/XXXX was the end of our lease at XXXX XXXX and we have a signed copy of our " Notice to Vacate ''. After leaving XXXX XXXX  we were sent a " Security Deposit Transmittal '', which stated the " unpaid rent '' and fees we were responsible for being a total of {$2600.00}. This amount included {$50.00} for keys ( which I had returned through the drop box in an envelope with our name and apartment number as requested ), {$180.00} for cleaning fees ( which our apartment was left cleaner than it was when we moved in ), and {$2400.00} for unpaid rent ( I am assuming that the amount must include fees as well ). Also, it states that we did not have a security deposit, however I have proof that we " purchased '' Security Bond Coverage of {$1200.00} through XXXX for {$210.00} before we signed our lease. Since receiving the notice from XXXX XXXX in XXXX ( XX/XX/XXXX ), I attempted to contact management multiple times by phone and email. I ordered copies of the money orders from XXXX XXXX and submitted those copies as requested. Without ever being notified that my charges were being sent to collections, I began receiving statements from XXXX XXXX XXXX and Southwest Credit. It has now almost been 2 full years that I have been disputing this debt with XXXX XXXX. My wife and I have not been able to rent through other communities due to our " bad rental history '', and it has been a burden for my growing family, especially since my job loss and our inability to move into cheaper housing. Nothing has been done to correct this situation, and we are being punished due to the mistakes made by others. I am currently seeking legal assistance with the matter if it is not resolved otherwise.
On XXXX XXXX, 2012, Ally Financial mailed a letter correcting its credit reporting errors and contacted all three major credit bureaus as well. However, five years later, Ally has again reported the inaccurate and previously corrected information to all three credit bureaus. This time, Ally wrongfully caused me to be denied a 0 % auto loan from XXXX XXXX.
I have tried multiple times to come to a resolution with avant. Every employee at that company is quick to pass the hat, and then nothing is done. They claim they strive for customer service, absolute lie. They are crooks who take people at a high rate with no hopes of them helping or resolving your issue.
I contacted a mortgage broker XXXX XXXX XXXX # XXXX at Cornerstone home lending in XXXX WA about setting up an appointment for going over the different types of loans that are available so that i could make the determination whether i wanted to buy a house or build a house USDA vs conventional or FHA. That 's when XXXX XXXX replied saying that it would be no problem, so we set up an appointment for XXXX/XXXX/15. He added that we needed to fill out an " online questioner '' which was on his web page under prequalify for a loan. Within minutes, I was notified by a credit reporting agency that he pull a hard credit report. I contacted XXXX and asked him why he did a credit check without asking me and he stated that I asked him to run a credit check and told me congratulations that I was prequalified for the home loan. I never asked XXXX to do a credit check. All I wanted was a consultation to find what type of loan would work the best for me, which was originally stated in the the first email. I originally meet XXXX at low income FHA seminar that was hosted by XXXX So now I 'm concerned that if I want to refinance in the near future that this could effect my interest rates.
After my residential home loan servicing transfered from XXXX to Nationstar, I got a letter from Nationstar at the first escrow review that my escrow payment would increase from around XXXX. It was then I realized my escrow balance was - {$1200.00} even though I 'd had the XXXX loan for 10 years and only minor, occassional fluctuations in payment. My insurance and property taxes are about the same, yet I have a negative balance?? Not possible. Funds were not transferred. Nationstar is dragging with response and still plans to nearly triple my escrow payment.
Citi had a system failure when I requested my stolen card to be shut down and Citi failed to and the thief accrued charges due to Citi 's failure. Citi then refused to refund me my auto payment which included fraudulent charges so I was forced to revoke the stolen charges via my checking account. Citi then proceeded to charge me extra on top of that for revoking the charges to get my money back. 

Amounts : XXXX XXXX : {$25.00} AAadvantage : {$25.00}
I do not have a lawfully binding contract with this company. I do not consent to any contract with this company. There is no contract that exist and there is no debt that exist. I have been in contact with this company on several occasions to resolve this issue. Please note letter from company dated  XXXX   XXXX  where the entity clearly states that there is NO CONTRACT that exist! If there is NO CONTRACT, then there is NO DEBT! This is abusive, fraudulent and unfair debt collection practices.
I was ordered to pay on a judgement for Account Brokers of XXXX County. I was garnished and they took {$2000.00} for a {$1200.00} work of debt. I pulled a credit report and show an {$18.00} collection for interest. I was not contacted by them and do n't have any accounts with them anymore or with XXXX XXXX XXXX XXXX or XXXX physicians which were the original medical collections. They have reported this to all XXXX credit bureaus as well. They have also refused to update the credit bureaus showing that I have paid off their collection accounts.
I would like to request a security freeze placed on my Consumer Disclosure Report. I  choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please Remove the following Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I bought a home in XX/XX/XXXX with my spouse. In XX/XX/XXXX my wife XXXX and I applied for assistance from HUD. I had a forbearance agreement with and completed it. In XX/XX/XXXX, Ocwen purchased the loan. At that time, my account was current which is stated by Ocwen in one of my emails. I 'm trying to arrange to pay off my loan and Ocwen says I have a balloon payment of approximately {$12000.00}. I 'm trying to find out how did that happen and where did it come from. Ocwen has yet to tell me how it was incurred. As part of my forbearance agreement with HUD, I had to pay additional monies to get current so I have no idea where it came from. Initially, Ocwen told me that they only purchased the loan and that I would need to speak with HUD to determine where the {$12000.00} came from. Ocwen told me initially that they received the loan from HUD and had no documents on hand. I called the HUD office, located in Oklahoma and they told me they did not sell the loan to Ocwen and did not know who sold it. In fact, they had not owned it since XX/XX/XXXX. So I told Ocwen what HUD stated and asked them to find out who did they purchase the loan from. They responded by saying that they could not verify who they bought the loan from. I 've asked them several questions in regards to my concerns and they never answer my specific question. For example, I ask them to assume that I did not have this balloon payment due, would my principle payoff balance be less than {$5000.00}? According to my amortization schedule, it would be as of XXXX XXXX. They never answered my question. Ocwen has yet to show me how an additional {$12000.00} was incurred. The first email I received stated that there would be " no payments accepted after XXXX XXXX, XXXX ''. Then they changed and stated that as part of some Fresh Start Program, I was granted another 10 years to pay the remaining balance. In a later email they sent me another amortization schedule that ran another 2 years which ends in XXXX XXXX. Why would I want to do that? My last email that I sent, I told them if they could not provide any information of how or when this balloon payment was generated they should remove from my note. I HAVE NOT HEARD BACK FROM OCWEN ON THIS LATEST EMAIL!
The following accounts are fraud and do n't belong to me. I have disputed with Equifax, XXXX XXXX & XXXX a number of times and it comes back as verified. But Equifax ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.
I received a student loan from XXXX XXXX which now go by the name Navient and I have been XXXX and Have lost a large portion of my income. Navient has called me at my employer multiple times, called me after XXXX at night on multiple occasions used intimidation tactics and threats in an attempt to collect debt.
Approximately 60 days ago I sent several letters via the Unites States Postal Service to Experian requesting proof of authorization for several credit inquiries I do not recall giving permission for. I have not recieved final response, I have not been furnished with any proof of authorization and Experian has failed in their duty to delete entries they have not provided sufficient proof for.
I have attempted to to file a dispute online every time a upload a file is States that the website is frozen what is not responding.I 've tried contacting them with no response. I have been disputing XXXX XXXX for almost a month now they are past their time frame to collect. the information is incorrect and they refused to collect on this account. I am requesting that XXXX XXXX be removed along with inquiries that include XXXX and XXXX XXXX twice. I can not seem to get through. I also sent a letter to XXXX XXXX with no response. I want by XXXX XXXX   removed. they have violated the FDCPA Laws and the Fair Credit Debt Collection Acts. Federal laws have been violated. XXXX cancelled the acct they broke contract NOT ME. They are not supposed to be attempting to collect! when I try resolving this account XXXX XXXX hung up on me more than 6 times so I want XXXX XXXX remove immediately. acct balance is incorrect and XXXX XXXX allegedly had this acct since XX/XX/18 and have not attempted to collect or when I called them hung up on me. and did NOT validate balance or accuracy and disconnected every call when I reached out to them. they null and voided their rights to collect due to XXXX writing off and receiving credit for written off balances. Amounts were ALLEGEDLY owed to XXXX NOT XXXX XXXX. I wrote a letter I want it removed. I have 18 acts in great standing I think I would have resolved this one. I will file suit of XXXX in Colorado and file complaint with FDCPA with minimum fines starting at {$10000.00} per violation for damage to my credit. I have filed a complaint with XXXX and has not responded. XXXX  has removed this acct but not XXXX or transunion
I have reached out to the Mr. Cooper on several occasions to see if we could come to resolution on the matter of missed payments. I did not hear back and now I received a letter regarding an auction. 

I would like 60 days stay to explore other options at this time.
I have a mortgage loan with Ocwen Loan Servicing , LLC . On or about XXXX XXXX, 2014 I sent a check to OCWEN. The payment, sent in the form of a check by XXXX XXXX XXXX XXXX 's ( " XXXX '' ) bill pay provider ( XXXX ), has never been applied toward XXXX XXXX 's account. However, the check cleared on XXXX XXXX, 2014. I fear that Ocwen is posting derogatory information to my credit reports and that Ocwen will erroneously begin foreclosure proceedings based on their failure to properly credit account.
When I have scheduled phone appointments with Ocwen Loan servicer, the relationship manager or representative do not have access to all of my records. When I refer to an affadavit or appraisal that I submitted, the person asks me to resend it. I have uploaded to this website and the Ombudsman Office. I believe Ocwen 's Office of Ombudsman Office and the relationship managers are hostile in negotiations with me. A foreclosure was dismissed over a year ago, and I believe Ocwen has a target on my back. Ocwen refuses to fix any mistakes they made like failing to finish processing my loan with an affadavit submitted to dispel any accusations of irregularities with signatures. Recent HAMP offers only address payments and not the underwater principal loan balance. I made it clear that I already have a XXXX agreement in force and that they insist I submit new modification paperwork. I clearly marked on there that a HAMP will not fit my circumstances, an in house would need to fit my special circumstances as the XXXX was an in house agreement.
I have a private loan that has interest of 6 %. During the time that I am in school I am required to make payments on the interest that builds every month. On  XXXX   XXXX     2017 I r eceived a billing statement that said I owed  XXXX  due by  XXXX   XXXX     2017. I  paid this amount on  XXXX   XXXX     2017 wi th the understanding that this amount was the interest that I would owe for the billing period. On  XXXX   XXXX     2017 I   received a billing statement that said I owe  XXXX  due by  XXXX   XXXX     2017.  On  XXXX   XXXX     2017  I called the company. They say that the amount I paid in   XX/XX/XXXX  wa s applied to principal instead of paying off the interest. I was literally told that I should not pay my bill so early. It is to my understanding that the amount that is posted that I owe is my interest payment and will be applied only to interest unless I choose to pay more than the amount on the billing statement. I was also under the impression that it should not matter when I pay my amount due as long as I make the payment before the due date and after receiving the statement. It is specified in my original loan agreement that I will only make interest payments during the time that I am in school unless I choose to do otherwise and that the amount I will be billed for will only be the interest. The money that I am paying each month is not going towards my interest and I am being forced to pay more each month because I am paying my bill before the exact due date. All loans were transferred by   XXXX   XXXX   XXXX   XXXX    to this  new   XXXX   XXXX  company.   Since the loans were transferred I have had nothing but problems and when trying to get them fixed you go through circles calling over and over again with no help from customer service.
Key Bank I am a 50 % beneficiary ( Proof of Death ) on my mothers bank account. I provided a certified death certificate and the bank will not issue the 50 % balance. They stated that Key Bank policy is to require both parties must be present in order to distribute and close my deceased mothers account. I have done the following to remedy this issue.
Call customer service number " multiple '' times and logged complaint Bank XXXX Ref # XXXX one example.
Request customer service to escalate to corporate and they stated this was a branch decision. When to a second branch office and they stated the same policy.
Request the contact information for the Key Bank Compliance Officer an was denied information. Request that I send a e-mail my complaint in a e-mail which they to forward and they denied this request as well.
My mother had accounts at other financial institutions and I was able to withdraw my percentage without have other beneficiary present. ( i.e. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. )