WillisBack/dataset-financial-user-claim huggingface dataset:
I received an letter in the mail on XX/XX/2018 from the FTC about a lawsuit against Ameritech Financial. The company is a fraud. 
Ameritech has been withdrawing around {$200.00} on the XXXX of every month for the past for few months. I'm uncertain of how long, I have lost track, but it has only been since XX/XX/2018. 

I called Ameritech today ( XX/XX/2018 ) to cancel my subscription and rquest my money back. I was told that because the lawsuit has only been filed, and that it hasn't been ruled on by a judge, that they can not issue me or anyone else a refund. Ameritech did claim to cancel my subscription. 

I contacted my credit union today ( XX/XX/2018 ) to make sure that Ameritech can no longer withdraw money from my account once a month. If they continue to do so this week, I'm having my credit union dispute Ameritech.
XXXX XXXX failed to address fraudulent activity submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry XXXX out of thin air ). 

The information reported to the credit bureaus is fraudulent as I have rescinded my signature from the original application due to fraudulent activity. 

The letter to XXXX was a signed affidavit. Attached is an unsigned copy as reference. 
XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result I no longer have an authorized account with XXXXXXXX XXXX. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.
I had a lease with GM Financial for a XXXX XXXX. At the end of the lease term, I worked with my local credit union to get a loan to buy the car. I closed on my auto loan on XX/XX/XXXX. The loan amount was based on the payoff information provided by GM Financial. In XXXX, I received a call from GM Financial advising me that my lease payment was late. When I told them I had purchased the car, they said they did not have that information. I called the dealership who sent GM Financial the check and they show that the check cleared on XX/XX/XXXX. GM Financial reported a late payment to my credit bureau.I have called them multiple times and they refuse to remove the late payment report.Every time I call they act like they have no idea what I'm talking about, why I'm calling. They told me that the dealer needs to send them a copy of the cancelled check ( which they have done ). Nevertheless, GM Financial will not remove the negative report from my credit.
My residence is in XXXX Maryland. I purchased in XXXX and my lien holders have been XXXX Bank, XXXX, XXXX XXXX, current lien holder is OCWEN Loan Servicing, LLC and now, handing over my title to XXXX. I lost my job in XXXX due to an auto accident and since that time I received short-term disability assistance payments from the insurers/my policy ( through them ) ; then they denied my permanent disability coverage. After receiving disability award from XXXX, I have been trying to modify my loan with this company to no avail ; in XXXX there was an attempt to forclose, but that was dismissed. Since that time I have been on OCWEN 's trial modification since XX/XX/XXXX through now. I received a letter on XX/XX/XXXX that my account was in default. I called for an explanation. On XX/XX/XXXX I received an escrow disbursement check from OCWEN. On XX/XX/XXXX I received a notice of intent to foreclose and an instructions for appeal, deed-in-lieu, and lastly short-sale. I have as of this date informed OCWEN by phone and letter of my request of appeal. I am in need of further assistance to maintain my home. I am a disabled independent.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXXXXXX XXXX in the amount of {$71.00} XXXX XXXX XXXX in the amount of {$920.00} XXXX XXXX have notified me that they have communicated to you to delete 2 accounts in the amounts of {$310.00}. Yet you are still reporting them on my credit file. If these are not removed I will be definitely be forced to sue. How can you report something that even XXXXXXXX XXXX have deemed to not belong to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
On Saturday, XX/XX/XXXX, I attempted to log into my online chase account. Instead of accepting the login, I was greeted with the following message ( screen shot included ) " Because of recent activity on your account, we've suspended your chase.com access for your protection. Please call us at one of these phone numbers ( depending on the type of account you have ) ''. 

This was followed by a list of phone numbers for different areas of the bank. I have personal savings, checking, joint accounts and credit cards with Chase, so I chose to call the # for banking as instructed. 

However, upon reaching a representative I was told my account has been permanently suspended, that " nothing '' could be done and all accounts would be closed at the end of the month. She could not tell me why and informed me that if I wanted to know I had to go into a branch to talk to a banker. She also stated there was a note on the account stating I had been notified. This was 100 % false, as I only learned of the situation when I tried to log into my account ( that had been working fine a day or 2 previously ). 

Upon learning this disturbing information from the phone representative, I was compelled to drive 86 miles round trip from where I was at to the nearest branch. 

I met with a banker. He accessed my account and called a higher customer service number. I was told he sees this situation from time to time where accounts are closed and Chase never offers a reason ... not even to the bankers. 

Keep in mind, when I try to log in online, the message states my access has been " suspended for my protection ''. The message says nothing about account closure. 

I fail to understand how closing all of my credit cards that are consistently paid and not in default " protects '' me. My credit score is over XXXX and I have been loyal to Chase since the XXXX 's and referred numerous customers over the years. If there is an issue of concern, at least have the decency to tell me what it is so that I may correct moving forward. 

Also I am concerned they have extended this issue to my Mother, with whom I am on a joint account with. Her involvement with Chase is limited to her personal checking and savings accounts. I would be ok with removing me from them if this is an issue.
Tidewater Company received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.
I received a letter from Carter-Young, a debt collector, around XXXX claiming that I owe approximately {$650.00}. After speaking with them they claim that I co-signed a document for XXXX XXXX XXXX in Florida. I asked for a copy of the contract and they sent me an electronically signed document that I did not sign. I asked them for proof that I electronically signed this document of which they would not provide any. This is because I did not sign this lease document at all. Now they have reported this to XXXX. I went through the XXXX process denying that this is my debt and XXXX basically rubber stamped in favor of the debt collector without calling me or providing any evidence of a true investigation. I have resubmitted a claim with XXXX.
I received a Best Buy ( Citibank ) credit card in XX/XX/XXXX and was entered into a non disclosed " debt protection '' service that I did not agree to. I have also never received a mailed statement. I 've been receiving random " thank you for being a Citibank customer '' letters but nothing with a balance until recently. In XXXX, I discovered a balance of over {$900.00} on what was originally about {$1200.00}. I was confused because I 've paid more than {$300.00} in XX/XX/XXXX alone. I contacted Citi, who first informed me of this non disclosed service. I called the third party company but, after XXXX times of calling, I would not receive any proof of signing up for this service. I 've contacted Citi and placed my account into dispute, only to find out I was in the wrong type of dispute ( disputed for fraud ). I attempted to contact Citi and was on the phone for over four hours with them as I was being transferred from XXXX person to the next. It was extremely frustrating because XXXX person was contradicting the other and then I 'd be transferred again. I 've been trying to get a payment history and a balance of what my amount should be, minus the debt protection services. I could not receive an answer. It was my belief the credit card should be paid off or close to and I was prepared to pay the balance. Due to the non disclosed service, I was unable to pay the $ XXXX that was due at that time and was " awarded '' a giant interest charge of over {$1200.00}. I 've tried to work with Citi and it seems I 'm getting nowhere. I googled my problem and found numerous other people had the same issue, including a {$XXXX} XXXX payout to Citibank customers ( https : XXXX ) which I was unaware of. In the end, this dispute has delayed me refinancing my house and if this does not get resolved in my favor I 'm not going to be able to because it 's severely hurt my credit score. I do n't know where else to turn and unsure if I should blame Best Buy, Citibank, or the debt protection company. Please Help me!
Navient pushed me to drop my income based repayment in favor of their forbarence plan as ND mt payments tripled.
I checked my XXXX credit reports and there was a collection added to my account from XXXX XXXX XXXX which was transferred over to a company called Law office of Mitchell. They indicated the dates was from XXXX and XXXX which if I went to any facility I have always had insurance. There is not a facility bill for these dates of service they are claiming which leads me to believe if the facility had my insurance information then they should also. I am unfamiliar with these bills and this collector.
I currently have loans with XXXX totaling {$89000.00}. 8 out of 9 loans are private loans and the last is subsidized. After graduating college, I had a hard time making payments so I called the company in XX/XX/XXXX to be put on a payment plan. They were not clear whether I was on an income driven plan or a lower APR plan with extended terms, or both. I never received any disclosures. Before you enter a payment plan you must make the first 3 payments of the plan before they consider your account to be brought current. So while I was paying on my loans I was still being reported delinquent and some months I was paying up to {$400.00} a month! Once your plan ends there is no notification that you must renew. They clearly state in multiple places that they do no delete past due payments on your credit report. My credit is ruined because they reported me delinquent although they were taking automatic payments out of my account. This is so unfair and deceptive.
Received this voice message to my phone : Yes Hello this is XXXX XXXX with the Weinberg mediation group and I 'm trying to reach XXXX XXXX XXXX XXXX We have sent you correspondence and attempted to contact you on a matter involving your name and Social Security number but have received no response from either yourself or your attorney regarding this matter we have decided to reach out to you 1 last time to give you the opportunity to be be compliant and give your statement of intent to our office please be advised we do not hear back from you today I will no longer be able to assist you on a voluntary resolution contact the office back immediately at XXXX good day.
I am having an issue with Rush Card debit every so often my card is being deducted from without my consent, when I call to have the issue cleared I 'm being put on hold for XXXX min without any resolve iv'e had enough please help.
Added to dispute XXXXStill not crediting payments and not itemizingCourt says Alliance one told them they any amount paid on debt. 

They say on their web apge they are a XXXX office -- -- court says limited times -- Mon -Thurs and other hours on Friday - that they take phone payments -- - but automated service does n't work.
Good morning. 

In XXXX of XXXX my mortgage was transferred from DITECH Mortgage to XXXX Mortgage. In the process DITECH reported that I had not made my XXXX, XXXX and XXXX payments. This was not the case. I called DITECH and spoke to a CSR on 5 occasions in the past 40 days. Each time they told me it was an error on their part and that it would be fixed. In the past 40 days I 've received 6 foreclosure packets in the mail and the new loan servicer, XXXX shows that I 'm in default and will NOT accept my XXXX or XXXX payments. I 'm stuck in mortgage lender XXXX and ca n't get out. Can you help?
XXXX has been with drawled from my checking since XX/XX/2018 they have called from various numbers and are harassing me and my family area code XXXX, XXXX, XXXX,. XXXX,. XXXX,. XXXX,. XXXX,. XXXX,. XXXX please help me??
I disputed account # XXXX XXXX XXXX XXXX  on my credit report due to inaccurate information. The account was deleted. I checked my report and noticed that the account was added back to my report. I called Experian today XX/XX/XXXX to ask why wasnt I notified in writing about the account being added back to my report. The rep XXXX told me the account was never deleted which is a lie because I have proof it was deleted from EXPERIAN! I would like the account deleted. I have inaccurate information reporting on my report and Experian is the only reporting bureau that seems like they are not investigating properly.
I have received 2 letters ( attached ) from XXXX stating that they have notified Equifax to delete this. One is dated XXXX/XXXX/17 and the other, XXXX/XXXX/17 yet they have failed to delete this account as of today.
On XX/XX/2018 I discovered HUNTER WARFIELD INC # XXXX had been re-inserted onto my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately as you are in violation of FRCA regulation.
What is this complaint about? Mortgage company What type of problem are you having? Mortgage payment fraud and non payment of escrow credit.
What happened? On XX/XX/XXXX, the XXXX XXXX XXXX, VA, Treasurer 's office sent proof by letter and telephone confirmation of my XXXX XXXX tax exemption for being ( XXXX XXXX XXXX ) rated at XXXX XXXX. In turn, a tax credit in the amount of {$3700.00} is owed me. However, OCWEN continues to hold this escrow credit and refuses to remit payment to me as supported by law. This letter served as official notification to OCWEN to stop collecting property taxes via my mortgage escrow account. As of date, I have spoken with several OCWEN representatives and received conflicting information about this matter. For example, I am being told by OCWEN that an " escrow analysis '' is needed. To date, each of my inquiries to OCWEN I 'm told " another '' escrow analysis is needed so far three have been done with no resolution. Another telephone conversation with OCWEN, I was told my mortgage payment went from $ XXXX+ to $ XXXX+ for the XX/XX/XXXX payment. Instead OCWEN sent me a monthly statement for XX/XX/XXXX in the amount of $ XXXX+ with {$780.00} of " escrow '' which I am " exempt '' from as of XX/XX/XXXX to Present. I am now dealing with an OCWEN employee from the " Research Department '' named XXXX at ( XXXX ) XXXX ext. XXXX. I spoke with her on XX/XX/XXXX as she informed me she would be ordering a new escrow analysis ( 4th one ) and handling my matter going forward. I told her that I will not submit a monthly payment as my mortgage payment is incorrect, I do n't know what is going on with my account, and that OCWEN is committing fraud by intentionally misrepresenting my account and refusing to refund my escrow credit only offering excuses of internal systematic miscalculations. I am very angry and very confused about the entire matter with OCWEN. I seek immediate assistance for this complaint.
What company is this complaintabout? OCWEN Who are the people involved? Research Department ( random employees ) As of XX/XX/XXXX, XXXX at ( XXXX ) XXXX ext. XXXX
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?
I am filing this complaint due to no course of action being taken by the following XXXX, XXXX, and TransUnion. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XXXX/XXXX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XXXX/XXXX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX OF XXXX, and XXXX.
I have already submitted one complaint - XX/XX/XXXX.  This is an addendum to that complaint. Since filing, the company servicing my loan ( Great Lakes Student Loans ) has capitalized all of my interest. I am unsure why as I remain in the same REPAYE program that I was in last year. I have asked that this be corrected, or at least an explanation be given to me. At first submission - end XXXX / early XXXX - I was ignored and given no response. Since then, I have received nothing other than a quick response weeks ago that it is being looked into ( occurred on XX/XX/XXXX ). I am concerned that this will cost me additional money now and in long term. I am also concerned that retaliatory action is being taken against me due to my first complaint.
In XX/XX/XXXX I opened a business credit card with Chase Bank. I was issued a Mastercard. In XX/XX/XXXX I was encouraged to get paperless online statements which I done because I was told I would always have access to my statements. XX/XX/XXXX my account was sold/traded ( however that is done ) to XXXX business card. In about XX/XX/XXXX I requested hardcopies or online access to my Chase business card purchases from XXXX XXXX up until XXXX took over the account. XXXX tells me that Chase never transferred that information to them. They gave me a contact information for Chase business and they tell me that everything was transferred to XXXX XXXX. Neither company can come up with my statements from XXXX up until XX/XX/XXXX. Each time I request the information I am told it will take thirty days to get it and then when it is sent I only get as far back as XX/XX/XXXX.
XXXX XXXX XXXX is disputing Quality Acceptance LLC claim that he owes them any debt because Quality Acceptance LLC has failed to produce a valid contract between XXXX XXXX XXXX and Quality Acceptance which obligates XXXX XXXX XXXX to pay them a debt. This is not an issue of identity theft but a fact that Quality Acceptance is not the holder in due course and is in violation of the Fair Debt Collections Practices Act and other Federal Laws. They must show a valid proof of claim of which they have failed to do and they have also deprived XXXX XXXX XXXX of property without due process and without a warrant to do so.
I have had student loans since the age of XXXX on my credit report they been in forbence why does it show I 've missed every payment when I 've never received any bills due to not living where they sent them. And they were deferred and still are deferred. What should I do to get that off my credit report.