WillisBack/dataset-financial-user-claim huggingface dataset:
As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by XXXX XXXX that literally has been added onto my current mortgage loan. I am attaching both copies of Transunion and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ 271,000+. 
Clearly ... this appears to be another retaliation from XXXX due to several complaints that I have filed with the XXXX XXXX XXXX XXXX and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, XXXX XXXX
On XXXX XXXX XXXX I reported that XXXX XXXX XXXX XXXX was not reporting up to date payments. On XXXX XXXX I reviewed the Transunion. TransUnion deleted the XXXX XXXX XXXX XXXX account. XXXX XXXX was the Customer Service rep for Transunion and stated without a doubt that XXXX XXXX Requested the Account be deleted from my report. I have spoken with XXXX XXXX who assures me that all information. I am also including an updated Credit Card Information Letter, that shows payments are up to date. Credit card is active is being reported correctly. Transunion is at fault for both improper payments as well as deleting of accounts.
On the XXXX XXXX XXXX 2017 I created and verified an account with Coinbase. They verified my information and nationality without any problem. 
On the XX/XX/XXXXi received my purchased Bitcoin,  Ethereum and Litecoin in my account ( XXXX XXXX, XXXX ETH and XXXX LTC ). 

After a vacation in XXXX i found out my account was blocked i received a automated notification that i needed to prove my nationality and place of residence ( which is the XXXX ). There was no trading or accessing funds performed while on XXXX grounds. 

On XXXX XXXX 2017 i send all the requested information via secure link and got an confirmation email ( automated ). 
" Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' This notification seems to be send to all people with the same issue, afterwards no further communication or follow-up is provided. 
I have repeatedly send emails to customer support asking for follow-up or information on the status of my account, without any reply. 

It seems strange to me that a company is allowed to take your money and freeze it without any notification. Furthermore, there is no possible way to get in touch or receive any feedback on the status of my accounts.
I have sent a certified affidavit to TransUnion twice and yet they have ignored me i sent a affidavit identity theft to them as well # XXXX as well as a CFPB # XXXX and still ignored why don't you all get on these crooked credit bureaus for violation of the FCRA you all just send them the same documents that i uploaded to CFPB and these documents are sent to some other country who do not even verify anything there is nothing ever done i would really like to see someone do something about this knowing that this is surely a violation. the CFPB is suppose to get on them in regards to any matter that a consumer disputes. PLEASE DO YOUR JOB
I have been receiving harassing threatening phone calls from a company called XXXX phone number is XXXX. Telling me they are suing me on the behalf of a EZ Corp payday loan. That they are coming to my work and home and calling my boss and relatives. They have already called my husband twice. I told them I do not recall ever making a loan from ez corp. what can I do to stop this?
XXXX XXXX from Hewitt Capital contacted my place of employment on XX/XX/XXXX attempting to collect a debt from their supposedly client XXXX XXXX, I that owed a debt of the amount of {$3100.00}. I told him that I didn't have any money to give, he then proceeded to say that if I didn't pay I would be placed in custody and sent to jail or my wages would be garnished. I ask if he could provide legal documentation, he said he sent a letter to my address. I never received a letter. I told him I would pay {$100.00} dollars for today. He said it was a XXXX processing fee. I gave him prepaid debit card information. He took XXXX out of my account. I told him that I would attempt to pay XXXX by Saturday. He said ok. I didn't have the money on Saturday. He called my employment that following Monday. He ask why hadn't I paid. I said that I didn't have it and I needed to pay my rent. He then yelled at me and said. He would snatch the check out of landlord 's hand and that I was on recorded line and I should be in custody right now. I was very intimated. So I told him I would pay him XXXX today plus the processing of fee of XXXX and try to pay XXXX in two weeks to close the account. This was on XX/XX/XXXX. So I used what I saved up for rent and paid him XXXX on XX/XX/XXXX. He advised then that I owed a another {$1500.00}. I knew something wasn't right. I stopped answering his calls. Tried to dispute the transactions with my bank. They declined the credit. He then proceeded to take out {$150.00} on XX/XX/XXXX and another XXXX on XX/XX/XXXX. I never received confirmation number or any legal documents and now facing eviction. Also, XXXX XXXX has advised they did hire them to collect debt.
The collection company is attempting to collect a debt that is not mine. The debt is for insurance on a home I do not own and they will not correct their error.
Comerica Bank on  XXXX   XXXX  in  XXXX  Texas took my Identification and disposed of it without contacting me and when I called to fix problem, they sent me on a wild goose chase for a week. They would not accept my check for deposit after they disposed of identification and would never call me back to take care of issue. This is a very serious matter in which I want resolved. This is the worst experience ever with a financial institution I have ever had. I can not open another account without the identification. I 'm in limbo until then. I 'm beyond upset and feel they should be liable for all fees incurred when attaining a new ID IS as well and any pumitative damages.
Tuesday, XXXX/XXXX/XXXX In XXXX XXXX I bought a home in Georgia ; this is my primary and only home. The mortgage is with 360 Mortgage XXXX ( XXXX, TX ). I have several concerns, one being my escrow account has started with a deficit every year since I purchased the home, despite the decrease in property taxes and hazard insurance by about {$95.00}, and the increase in mortgage payments last year to cover the XXXX shortage. Also, in XXXX XXXX I notified the mortgage company that effective this year, I am eligible to take advantage of the Georgia school tax exemption. 

On XXXX XXXX, I called the mortgage company to ask for an explanation about the yearly deficits in my escrow account despite the decrease in taxes. I was told an early insurance payment ( paid in XXXX instead of XXXX ) caused the shortage. Here are my questions : 1. The increase in my mortgage payment last year was to cover XXXX taxes and insurance for that year regardless of when the insurance was paid. If the XXXX analysis of the escrow account was accurate, why did the early insurance payment cause a XXXX shortage? 

2. An analysis of my account was performed XXXX/XXXX/XXXX, but I am not convinced that the decrease in my taxes and insurance was taken into consideration. How can I be assured that it was? 

3. What other factors could drive my escrow balance to be short every year? 

4. In addition to the lesser taxes, will the school tax exemption help lower my monthly payments? 

5. Based on my conversation with the mortgage company, it sounds like the difference between the higher XXXX and lesser XXXX taxes were not applied to escrow. Is there a time frame the mortgage company has to issue me a check for the difference? 

Another concern is regarding the XXXX Form. As of year-XX/XX/XXXX, my mortgage balance was about {$2000.00} less than the amount the mortgage company submitted to IRS. They explained two XXXX forms are submitted to IRS and the second one will have the correct mortgage balance. Is this normal practice and if so, why? 

I look forward to a response.
I have asked Equifax to remove all unknown inquiries that are listed below that ca n't be verified as mine and they refused to help.
1. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX
OnXX/XX/2018 I submitted disputes for validation of student loan information being reported incorrectly to all 3 Credit reporting agencies, XXXX, XXXX, and XXXX. I also reached out to the various reporting companies listed on the credit agencies reports. All the information from the Credit Bureaus differ and after the inquiries of dispute for validation, XXXX  and XXXX have claim to have found the information reporting to be valid and almost tripled the amount owed/balance reporting. They are also reporting some balances as paid {$0.00} balance. I have been on an income driven base payment plan which I have paid every for the past 9 months. As of XX/XX/2018 I have been considered successful and the loans I receive a letter that the loans are now returned the PHEAA.  However the balances were all consolidated and now they are reporting tripled on XXXX and XXXX. These have highly affected my chance of any progression or stability in life. The loans were previously sold to various companies and have history showing as report status of PAID {$0.00}, transferred to new lenders, CLOSED, some companies such as XXXX, XXXX XXXX, AES, XXXX etc and now the true balance are in discrepancy amongst the agencies and are causing denials and chaos in my life. The Credit agencies have not provided me with any valid documentation for any of what they are reporting on these student loans. These co
I believe my student loan servicer, Great Lakes, is engaged in some shady practices. I have personally stayed on top of it, but I am tired of having to constantly make sure I 'm not getting screwed over and I 'm concerned that other people are getting screwed over because they do n't know any better. Here are some examples : I 've been repaying since XXXX XXXX. I started on IBR and moved to RePaye when it became available ( XXXX ). When I attempted to renew my IDR app in XXXX, Great Lakes " misprocessed '' my application and used my salary rather than my XXXX from my tax return. I know they are supposed to use XXXX, but none of my peers appeared to know that at the time. How many students are n't getting the relief they need or forgoing retirement and healthcare spending in order to make their student loan payments? 
When I renewed this year, they tried to move me off of RePaye to the more expensive IBR plan. After I called, their customer service rep said this was a mistake and that I would remain on the RePaye plan. 
Finally, Great Lakes claims that if I do n't renew my IDR app yearly, my monthly student loan payment will go up to {$1300.00}. However, when I use the studentloans.gov estimator, the standard repayment plan payment is only {$790.00}. The {$1300.00} number is the number that I am expected to pay at the END of the RePaye payment term. This does n't seem correct to me.
Bought a timeshare through XXXX XXXX while under the influence. I emailed them to cancel it within the 120 day period and it was being disputed. Did not have any contact with debt collectors, assuming that this was taken care of. I tried to get a mortgage, and found out through a credit report that they had filed to collect once again. I only found out through the credit report about the collection. I still have not received a phone call, email or even a letter telling me I still owe them money. It has been in dispute all along.
I have been paying for USAA 's ID Theft & Monitoring Solution Services for several years now. A year ago I suffered identity theft and credit card fraud. I contacted USAA immediately and they. While slow in reacting and requiring intervention by the CEO 's office, as USAA repeatedly re-entered the same fraud claim multiple times, they issued credits for the fraudulent charges. A year later USAA reversed the billing dispute against regulation Z of the consumer protection laws billing dispute time frame and without actually truly investigating the fraudulent charges, relying on circumstantial evidence. <P/>This complaint however is in regards to the paid theft fraud assistance resolution and paid identity theft insurance policy provided with this paid service. In contacting the dedicated fraud resolution expert, they offered no assistance at all. Not even in helping to finish removing fraudulent hard pulls on my credit reports. <P/>Furthermore, despite paying for the service I am unable to view or access the majority of services that come with my subscription. USAA restricted my access and has continued charging me. I am unable to view any alerts, including monitoring alerts, any of my credit scores, internet scans, or reports. <P/>Lastly, when I inquired as to how to access and file a claim with the Identity Theft Insurance policy that comes with this subscription, I was told they were n't sure and given no further information.
I called the company and they agreed to remove the account if I paid the amount that was settled for and its still showing up on my credit report.
Equifax BLATANTLY IGNORED MY REQUESTS that they are FRAUDULENTLY as a company reporting inaccurate information on my Credit Report. I 'VE REPEATEDLY MADE THEM AWARE THAT I AM A VICTIM OF IDENTITY THEFT because of IDENTITY THEFT from the US OFFICE OF PERSONNEL MANAGEMENT DATABASE BREACH, and sent them copies of my XXXX County Sheriff 's Office police report and my FTC Affidavit, and they have IGNORED my requests to block and remove simple information from my report for SIX STRAIGHT MONTHS!!! I 've talked with Managers, sent online disputes in addition, and spoken to managers and employees at Equifax who PROMISED TO HELP ME but live in XXXX and the XXXX and are NOT even on USA soil, and NOTHING is being done! I sent Equifax the FINAL NOTICE that they WILL be served by the XXXX COUNTY COURTS FOR NEGLIGENCE against the Fair Credit Reporting Act for things listed on my report that are NOT MINE. I have included letters being sent to the FEDERAL TRADE COMMISSION AND THE CONSUMER FINANCE PROTECTION BUREAU, AS WELL AS THE ATTORNEY GENERAL OF FLORIDA, WHICH HAVE BEEN NOTIFIED THAT EQUIFAX BLATANTLY IGNORED my requests for SIX STRAIGHT MONTHS! 

I will further remind Equifax that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for their willful noncompliance. 

THE FOLLOWING ARE NOT MY XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXMY CORRECT LEGAL ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX   XXXXMy CURRENT LEGAL EMPLOYER IS : XXXX XXXXPosition : CEO Location : XXXX XXXX , XXXX Employed since : XXXX XXXX - PRESENTTHESE ACCOUNTS ARE FRAUDULENTLY REPORTING : XXXX Acct # XXXX XXXX/XXXX/XXXX $ XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX $ XXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX/XXXX {$260000.00}? XXXX and XXXX have both removed this from my report 5 months ago!!! Failure to respond within 30 days of receipt of that certified letter will result in small claims legal action against Equifax at my local venue. I will be seeking a minimum of {$10000.00} in damages for:1.Violation of the Fair Credit Reporting Act ( including but not limited to Section 623 ( a ) ( 8 ) ) 2.Violation of the Fair Credit Billing ActEquifax will be required to appear in a court venue local to me, in order to formally defend yourself.Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. XXXX  and XXXX  have both removed this from my report 5 months ago.
I received a phone call a few months ago, stating that I was going to be served paperwork at my place of employment for a debt that was 8 years old. They insisted that if I did n't pay that day they would garnish my wages via service from a uniformed officer. I asked for written confirmation of the debt believing that the debt was out of the statute of limitations and they would not provide that to me, they emailed me a letter that looks like it was written in word, they have a fake one page website and their phone numbers are n't traceable online. They have withdrawn almost XXXX from my bank account. I became suspicious when the debt was not listed on my credit bureaus. Also I am not able to find any documentation at our home of official correspondence that we had been properly notified. They claimed I had a judgement pending and that there was garnishment language.
I tried making a credit card payment from Bank of America utilizing my XXXX checking account. Bank of America is saying the charge was rejected and after calling Bank of America they rejected to remove the {$25.00} return charge fee from the transaction. I then called Bank of America and they said I would need to confirm with XXXX  the transaction and why it was rejected.

I contacted XXXX and was given the following by them : " Thank you for clarifying ; I do not see any declined requests or charges that did not process. If we did not authorize a charge, it would be documented - I do not show any request. '' Bank of America has no right to charge me a fee when my XXXX  checking account has sufficient funds and the pull was not even initiated or recognized by BOA. BOA will not provide a resolution in this matter.
I, XXXX XXXX, applied for a Pre-approved Credit Card and was approved for a Credit Card via XXXX  for {$1000.00} Credit Line on XX/XX/XXXX. I received a credit card onXX/XX/XXXXand proceeded to activate my credit card via phone for purchases. The automated credit card services at XXXX ( XXXX ) indicated that my Credit Card Balance of {$1000.00} is available for purchase. I was later informed via email address ( XXXX ) that I needed to submit via uploading into their website additional verification information ; specifically copies : Social Security Card ; Recent Utility Bill, and Drivers License in order to gain access to my Credit Card Line of Credit. I proceeded to email and upload all requested documents on XX/XX/XXXX and XX/XX/XXXX.

I called XXXX   at XXXX to inquire about the status of receipt of my required identification documents and the customer service representative verified receipt of my Drivers License and XXXX XXXX XXXX  Utility Bill and indicated that for some reason Card Services could not receive the emailed uploaded copy of my Social Security Card which was very concerning since Card Services received the Drivers License and XXXX XXXX XXXX Utility Bill from the identical email address : ( Support ) XXXX.

I spoke with a Card Services Representative about their indication that my copy of my Social Security Card was not be received mysteriously and I re-emailed it at least 4 times ( between the dates XX/XX/XXXX and XX/XX/XXXX ) and 3 times while the Customer Service Representative was on the phone line around XXXX XXXX CST on XX/XX/XXXX. No plausible reason was provided as to why my Social Security Card was not received which is sensitive personal indentification information.

On XX/XX/XXXX, the Customer Service Representative did not provide an alternate email address for me to upload and email my Social Security Card in order for my Credit Line to be made available. I was simply told that my Credit Card will not be activated until XXXX  receives a copy of my Social Security Card. I am extremely concerned that my personal identification information has been obtained for Fraudulent Reasons and never was intended to provide me a Credit Card Line of Credit. I requested to escalate my concerns to a Supervisor and was denied an opportunity to complain to a Supervisor or Member of Management for review.

I had no other choice but to file a complaint with CFPB on XX/XX/XXXX to protect my personal identification information to avoid potential fraudulent activity with personal identification information submitted for XXXX Credit Card approval and usage.
On XX/XX/2016 my card was lost or stolen, so XXXX XXXX placed a hold on my account while I was waiting for my new card. The person told me to wait to make a payment, so I did. When I logged into my account the due date was for the next month, so I paid on the next due date. They incorrectly submitted a late payment notice to the Credit Bureau saying I didn't pay when it was due when I was told it was due on the follow month because of the issues on my account and fraud charges. They refused to remove the late payment reporting and said it was accurate. This happens partially because when the consumer does all payments online and their account is locked or not in service, they can not access their account to make the payment. That may have changed by now. They also incorrectly display balances and payment due dates and make credit unavailable if the payment is not made on the date prescribed. Also, the payment due date is not kept online if there was no payment made with no reminder that the payment wasn't made on the due date.
In XX/XX/XXXX I started a Business school and took out a Student loan through XXXX XXXX ( I think the 3rd word was XXXX ). The school closed 1 week after they cashed the check. The loan was for XXXX. I never went to school and after never hearing from them, I was asked to start paying back in about XX/XX/XXXX. My current husband and I had our Federal Taxes withheld to pay for this 4 times totaling more than XXXX. In XX/XX/XXXX the loan was sold to XXXX and they were paid at least 1 year at XXXX/mo and a Federal income tax check of over {$800.00}. All of a sudden XXXX is showing the amount due as {$4800.00}. In XX/XX/XXXX, the loan was sold to XXXX XXXX XXXX with a balance of {$4200.00} and I didn't have to pay anything because I didn't have a job and they said they wouldn't use my husband 's income because he wasn't responsible for this debt prior to knowing him. Now XXXX XXXX XXXX wants $ XXXX/month because I have a job and make about XXXX/month. I wouldn't mind paying off the loan right now if it was just the original amount. We've paid more than the original amount and fees, but none of it has ever been credited.
I recently applied for employment XXXX-XXXX-17 and was denied due to a loan from XXXX XXXX XXXX in which I never applied for. The amount of said loan pay off is {$1300.00}. I have submitted a dispute through a credit reporting agency and have had no luck getting this issue resolved.