WillisBack/dataset-financial-user-claim huggingface dataset:
I am the Trustee of my sister 's estate. She passed away on XXXX. There will be no probate. She had a pour-over will so anything not titled to her trust and anything w/o a beneficiary goes into her trust. I contacted Discover Bank ( an online bank ) for the XXXX time on XXXX/XXXX/15 where my sister, XXXX XXXX XXXX, has a savings account. ( I have had XXXX other contacts, all initiated by me. ) I sent them my certified documents ( about XXXX pages in total over the last month ) stating who I was, about the trust, etc.. and asked XXXX questions : Were any beneficiaries listed on this account and if so, who? ( So I can let them know as it would be my niece and nephew. ) What was the Date of Death value ( which I must report to the IRS to account for the value of the estate )? What is the current value? They told me that once they received my papers they would answer my questions. Now they are saying they wo n't ; that they do n't " recognize the authority of XXXX County ( WA ) Superior Court and that they want " Probate '' papers. They refuse to recognize my authority and they also refused to bundle up all my documents and send them to their attorneys. I am at an impasse.
Ocwen loan servicing has garnished my wages illegally. I foreclosed on a home in 2011, in California. I attempted to contact them every Monday for over a year to perform a deed-in-lieu or anything to make my situation better. I NEVER received a call back from my " case manager. '' I have not been sued by them for the foreclosure, but they have illegally garnished my wages.
On XX/XX/2017 I deposited a check into my savings account with the understanding that there would be a hold to confirm if its a valid check. I deposited at the branch of People 's United Bank located in XXXX XXXX, CT on XXXX XXXX through the ATM. NO CASH WAS WITHDRAWN ON THIS ACCOUNT. I later received a direct deposit in my CHECKING account from my monthly annuity. On XX/XX/XXXX I received a letter from the bank with a photo of the company check drawn on a out of state bank telling me the account was closed so the check was not valid. On XX/XX/2017 I present to the branch and questioned why my CHECKING ACCOUNT was frozen and my debit card cancelled. The branch manager ; XXXX XXXX XXXX said it was a fraudulent check and their loss prevention department said close the accounts. XXXX XXXX relayed to me that I would not be able to open an account anywhere because I am now looked at as being a fraudulent depositor and it will be reported to XXXX. He advised me to go open another account at a different bank ( i.e ) XXXX XXXX before he closes the People 's Bank accounts. I asked him how can it be fraud if no funds were withdrawn and the purpose of my depositing the check into my savings was for the purpose of being classified as fraud. Today, XX/XX/2017 my funds into my checking account have not been released and i was refused to contact Loss-Prevention to further remedy this problem. 
I would like this matter to be resolved and not flagg as a fraudulent bank depositor and not report me to XXXX.
The only names I have ever used are as followed ; XXXX XXXX and XXXX XXXX. I never spelled my name ; XXXX or XXXX or XXXX, please remove those names from my credit report. I have never lived in Pennyslvania and I need the XXXX PA address remove from my credit report. Thank you.
Experian is not providing proof of reported debt for collection account. I have written and sent certified mail 3x to ask for proof of debt in amount of {$480.00}. 

They are erroneously reporting XXXX XXXX collecting {$480.00}
Unauthorized inquiries applied to my credit file. I contacted Experian 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Experian liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Experian continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Experian which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. I will absolutely take legal action if Experian ignores my 4th request to remove or correct inaccurate information. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Experian. 

Thanks, XXXX XXXX XXXX
This debt was disputed with the original creditor XX/XX/XXXX. The issue is long over the 7 year limitation. The collection agency continues to maintain this disputed debt from XXXX on my credit report even though it shows the debt is in dispute. I would like your assistance getting this account removed from my credit reports with all credit reporting agencies.
i have 3 hard inquires from this company that i never applied for and the credit bureaus are giving me a hard time about removing them
I have reported to them twice now that my job history and addresses are wrong and want them removed. They 're still on there. I just looked again today. I see all these California addresses. That is a relative. NOT ME. Please remove!!! I have never even been there or used those addresses. I never worked at XXXX either. And that XXXX number I have never seen it. I wanted that removed and the XXXX number is my ex in laws phone number. Please remove it too. the XXXX was disconnected when I got a cell phone approximately 10 years ago but they wo n't remove it either. I would prefer my number not be on there at all. I just had to file a complaint because someplace called me stating they were a debt collector and was threatening me with jail. Long story short the XXXX said they pull your credit report and get your number and enough facts from your report that they call and harass you. So please remove my number too XXXX.
I paid my credit card bill over the phone in XXXX 2010 with XXXX. The money was never taken out of my checking account and I was never informed either by mail or email or phone that the payment did not go through. In addition, they had my incorrect phone number ( Current number XXXX ) and my incorrect mailing address which was updated the last few days after I found out they reported my payment late. I have never missed a payment in over XXXX years and this is an error on their part. I am asking you to request to them to remove this late payment from the XXXX major credit reporting agencies.
Plaintiff asserts XXXX  XXXX XXXX, XXXX ( " XXXX  '' ) failure to provide him proof conducted an intrusive investigation into XXXX XXXX XXXX XXXX having engaged in fraud and deception. Creditor reporting unfounded statements and unsubstantiated claims Plaintiff owing a balance is gross fabrication. XXXX  not contending in writing receiving evidence of proof, Affidavits from sworn police officer, bank statements Discover drafted from Mr. XXXX bank accounts, XXXX sent a statement to XXXX XXXX citingyour account balance is XXXX and account paid in full around XX/XX/XXXX. Attorney General conducted an investigation thru discovery XXXX  never conducted an intrusive investigation, into fact findings but instead, reliance on XXXX falsity of facts. 

Mr. XXXX consumer requesting FTC intercede on his behalf an conduct investigation into XXXX, repeatedly and persistently failure to remove the erroneous information timely. CRAs knowingly from XX/XX/XXXX through XX/XX/XXXX creditor receiving payments made via XXXX XXXX  via phone. In support of argument Deputy XXXX XXXX County Sheriff provided affidavit around XX/XX/XXXX XXXX committed fraud against Mr. XXXX government employee and service member. XXXX  knew or reasonably known of fraud or fraudulent acts rather than take appropriate action instead reported Mr. XXXX owing XXXX in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) et seq. ( " FCRA '' ), supports and substantiates furnisher of the misrepresentation of the facts and XXXX   retaliated or engaging retaliatory action. 

Plaintiff 's asserts both employers XXXX  and XXXX engaging in pattern of conduct, that is habitual and habit forming, making unsubstantiated claims that there is no timing requirement for response or responding to identity theft that occurred or is occurring is incorrect and in violation of 15 U.S.C. 1681g ( a ) .FTC stops unfair, deceptive andfraudulent business practices.
Under another CFPB complaint, XXXX XXXX had gotten information from Equifax although I had not applied for a XXXX XXXX, which was done fraudulently by XXXX. 
XXXX XXXX sent me a denial letter based upon information garnered from Equifax. 
I have tried several numbers given for Equifax , but in the end, the prompt transfers me to a fast busy signal ( essentially cutting me off ). This constitutes a refusal to provide me a free copy of the report that XXXX XXXX viewed fraudulently and denied credit based upon the fraudulent event. Since I am in a posture to obtaining a XXXX mortgage, the above stated could injure my reputation and credit, as well as interfering with me ( XXXX Veteran ) in garnering a home to live, which in the end could lead to homelessness in my last years.
Equifax has inserted XXXX XXXX XXXX on my credit file. In accordance to XXXX XXXX. XXXX, Equifax is unable to 100 percent verify XXXX on my credit file. Under XXXX XXXX XXXX, Equifax is obligated under federal law to permanently delete XXXX from my credit file.
I applied for residency at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX phone XXXX ) and they ran my credit check through XXXX XXXX XXXX # XXXX XXXX, CA XXXX phone XXXX. They ran a Experian/XXXX FICO version XXXX credit report and my credit score came back at XXXX which is below the XXXX minimum they require at this residence. When I called to request my credit report from Experian, I was given a credit score of XXXX which is a version XXXX XXXX score they provide to consumers. I asked numerous times how can I improve my XXXX version XXXX score and no one in experian, XXXX XXXX XXXX XXXX even knew what a version 3 XXXX score was. I am trying to get a sense of what my current score is now since I have to pay {$70.00} each time to run a credit check at this residence and no one has been able to help me. I am in urgent need to correct this matter since I need to procure a residence asap for my new employment XXXX.
Week of XX/XX/XXXX, a call was made to a debt collection company. I received notification in the mail about the debt and the notice said that they are willing to offer a settlement. We received the settlement offer with a due date of XX/XX/2018. We agreed and asked for the settlement offer in writing or in an email. They refuse to put the settlement offer in writing. They call every other day asking for payment - even though our settlement agreement had a due date of XX/XX/2018. We have asked repeatedly for a settlement letter for our records and they repeated say they can not do that. Without proof of the settlement offer they agreed to, it is their word against ours for the settlement amount. And now they are calling every other day, as recently as XX/XX/2018, asking for immediate payment. When we mention the settlement offer and the due date, they say they don't know what we are talking about. Then after we push the settlement issue a little more, they suddenly find the settlement agreement. But this is exactly why we wish to have the offer in writing. As soon as we get the offer in writing, we will make payment.
i have been attempting to get Equifax report and score as well and their customer service team has no idea why customer keep getting error messages. THis appears to be widespread and their own reps say this has been escalated for months to their technology team. There are blogs on my fico speaking about this.
Complaint Against Bank of America There were fraudulent charges of a little over {$1200.00} on my debit card. Received temporary credit. Then the credit was reversed, ostensibly because Bank of America 's Faud office stated this was not fraud. 
The withdrawals occurred in quick succession, at an unknown location far from us, while the card was in our possession. 
The withdrawals do not fit any previous pattern ( evidenced by bank statements for the past 2 years ) of withdrawal and no withdrawal has ever been made at those locations.
I currently have an account with Freedom XXXX XXXX. I have been a customer with them for over 2 years now, from the beginning it has been stressful. I originally applied for financing for a flat screen television for a family member. I thought the pricing was good so I continued with the loan. I thought I would be done paying this off within a year but now I am still owing them over XXXX XXXX dollars. This company has been continuously harassing me about a payment that I try to make every month. Being in the military I can not fall delinquent in any payments because it was cause my security clearance to be breached and possible discharge from the XXXX XXXX. They have made multiple threats about contacting my XXXX regarding the account. I have asked them multiple times about offering me a settlement amount so that I could be completely done with them and they turned me down multiple times. This time is the last straw. I recently made a partial payment to them on XXXX XXXX XXXX. Usually they will call me and harass me with making another payment. But they only called me once on XXXX XXXX XXXX and left a voicemail. I could not answer because I was at work so I called them back as soon as I could. No XXXX answer and there is no way to leave a voicemail for them, the phone will hang up once it is ringing for too long. XXXX XXXX XXXX XXXX they took {$94.00} out of my account without me knowing. Also XXXX XXXX XXXX, they took {$190.00} out of my account without my consent. I have been trying to call them constantly and finally today I spoke with someone named XXXX, he was rude and talking over me, and even denied the transactions taking place. I even offered to send them a screenshot of my bank statement. XXXX told me that he would have his manager call me back. This is completely fraud and I do not understand why they would try to get over on young people in the military.
I receive paperless statements each month from my student loan servicer, so the servicer has a duty to notify me each month when a new statement is available for me to view. My statements are created on the XXXX of each month and I am usually notified via email by the XXXX that they are ready for me to view. The payments are then due on the XXXX of the following month. In order to avoid accruing additional interest, I typically make payments on the date I am notified that a payment is due, the XXXX. This past month, the servicer failed to provide me with any notice that I had a new statement available to view and that I had an amount due on XX/XX/XXXX ; this is similar to notice mailing a statement to me if I received paper statements and is a violation of Regulation Z. 

I just happened to log into my account this morning because I was wondering if I had an amount due. I was not sure if I had a payment due since I often make more than the minimum payment. However, I logged into my account to clarify this because I had not received any notifications. If I had not happened to log into my account this morning, I would not have made a timely payment.
In XXXX of XXXX, at XXXX Years old, I started my 18 month program at XXXX XXXX. I was eligible for a certain amount of federal loans, and XXXX told me I could pay the rest of the amount monthly as I attended. In XXXX of XXXX, they called me into the financial office and told me their policy was changing and I needed to take the rest of the amount of tuition owed out in a loan through XXXX. In the 14 months I had been in school, I had paid approximately {$5600.00} directly to XXXX and had never missed a payment. The amount of the loan was {$1500.00} and was at 12.25 % interest to cover the rest of the money I owed directly to XXXX XXXX! All of this,5 months shy of my " Graduation '' date. I graduated in XXXX of XXXX with the debt of my {$1500.00} XXXX XXXX XXXX along with {$6100.00} in Subsidized Stafford Loans and {$8000.00} in Unsubsidized Stafford Loans ( {$14000.00} Total in Stafford Loans ). I did have a job, but it only paid {$23000.00} a year. It took me until XXXX XXXX, XXXX to pay off the {$1500.00} XXXX XXXX XXXX and due to not finding the " Job of my dreams '' and ending up with below market pay until recently, I always had a hard time paying my student loans and STILL owe {$16000.00} ... ... {$2100.00} MORE than my original loans! In XXXX of XXXX, I was able to refinance my loans, but after it was still hard to pay. To date, I 've paid {$9200.00} for my loans, with a projected payoff date of XXXX XXXX ... .23 years and 11 months after my " Graduation '' with a degree that is n't worth the paper its printed on. My credits were never and never will be able to transfer ANYWHERE! If all goes according to the monthly payment schedule, I 'll pay another {$18000.00}. My bogus XXXX XXXX that I was sold was supposed to cost {$21000.00}. By XXXX of XXXX, when I 'm XXXX years old, it will have costed me over {$33000.00}!!! I have other negative experiences with XXXX from their sales tactics during my enrollment that should have been a dead giveaway of what I was getting into, but I was too naive and had already paid them money for my application and placement tests and did n't want to give that up.
What happened? 

I used PayPal to send {$6000.00} to a company called XXXX in the XXXX XXXX for tuition purposes, then found out that the company is a scam and operates fraudulent accounts. I filed a claim with PayPal and they are not making any effort in getting this resolved. Below is the complaint I sent PayPal about XXXX who I sent my money to : Complaint about XXXX  I sent money to open a XXXX XXXX XXXX/package and was assigned a fraudulent Account Manager, XXXX XXXX who tampered with my account and misrepresented the balance in my account. A Complaint was made to XXXX XXXX and XXXX XXXX CEO of XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.I still have not gotten a response concerning this fraudulent transaction. I was assigned an Account Manager who embezzled money from my account. This is part of payments totaling {$6000.00} to XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. for tuition and training that turned out to be bogus, and was assigned an Account Manager XXXX XXXX who embezzled money from my account. When I found out what was going on I sent an email and he replied there was an " MTS malfunction '' I have no idea what that means. I would like a full refund of all the monies paid to XXXX. I do not trust this company. I used PayPal as a vehicle to send my money to XXXX. PayPal seems to be doing business with fraudulent companies and is turning a blind eye when customers complain about the fraudulent transactions. XXXX is a fraudulent company and also operates under the names/ is affiliated with XXXX and XXXX. Please let consumers know about this company 's notorious reputation for scamming innocent people out of their hard earned cash.
I have an ongoing investigation with Macy's/Citi concerning 2 accounts with fraudulent transactions. The first, I opened and have used for several years until XX/XX/2016, when I identified fraudulent purchases. I notified Macy 's ( store ) who could not help. I had to call the credit/security department during their regular hours, M-F XXXX ET. Living in XXXX., that is n't easy to do when you are working .None the less, I did, I received and completed the needed affidavits/statements concerning the purchases. Not long after, I saw that a new account was opened ( I did not authorize ) which had many transactions. Some orders I was able to cancel and several items were mailed to various addresses around the country. I never even received the card. I also saw that my email address for confirmations was changed ( not be me ). It was just slightly different than my own. I have been receiving calls from " apparently '' the Macy 's fraud department. No messages are left. Today I called back and I was told that they could not tell me why they were calling. I looked at the closed accounts which still show a past due balance and I receive payment notices. I placed an outbound call to the phone number I had and spoke with XXXX, # XXXX and explained that the calls must stop and the accounts closed and balances charged off. I am concerned that the derogatory credit will be provided to the credit bureaus and I will be left with the mess. It has been more than 90 days. I do not want a derogatory report submitted, even if it is later corrected.
When i applied for the loan i was asked when are pay days. I told them fridays. 
but everytime they try to withdraw the funds its a wednesday. I have reached out to them numorous times to get the correct day but they ask for letters from HR and pay stubs with the new day. I have explianed its not a new day its the day i agreed to origanlly. They will not budge and its costing me a small fortune.
While enrolled at XXXX XXXX University, my student loan was incorrectly accelerated so that my payments became due. As a result, my credit report shows that I have 6 missed payments despite being current on all other payments
In XXXX 2016, Ditech Financial LLC did not credit my account with the normal monthly payment that always comes out of my bank 's bill pay. After numerous phone calls, I finally wrote them in XXXX, than again in XXXX, and again in XXXX. All three times I sent them proof of payment. They finally admitted that my payment got credited to another account, but still did not credit my account. Also, they would not give a payoff amount. On XXXX XXXX, 2016 I submitted a complaint with the Better Business Bureau and the next day, according to their on-line web page/my account, they did something. It is very confusing because they credited half the amount of my payment and had some principal numbers and interest numbers and unapplied numbers. But I was happy because my XXXX billing statement showed I was currant in my payments. Also, I received a payoff statement which seemed to have the correct amount. However, I have since received another billing statement for XXXX that states they have put my XXXX payment in their " Funds in Suspense '' account and they want me to pay XXXX payment again. And I received a foreclosure letter from them dated XXXX XXXX, 2016. A week later I received another letter that was a copy of the first. Both letters state I have till XXXX/XXXX/2016 to cure the default in the amount of {$0.00}. This makes no sense to me. I have always been paying them on time ever since they have assumed the loan.
I have already written to you to dispute with Citi Bank, but they are not listening! They turned around with a ridiculous response and unless they fix this, I will sue over errors and misconduct.