WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE ASK FOR PROF FROM XXXX THAT THESE CHARGES WERE MADE BY ME THEY HAVE YET TO SEND ME PROF OF ANY PURCHASE MADE IF THEY CANT SEND PROF I WANT IT REMOVED FROM MY CREDIT REPORT BY LAW THEY MUST SEND PROF
On my credit report it shows that I have an open credit card with XXXX. That is not the case. I only possess XXXX credit cards, XXXX through XXXX Bank and XXXX through XXXX XXXX Bank. My father whose name is XXXX XXXX has the XXXX card in his name. My name is XXXX XXXX XXXX. We are not the same people.
As of XXXX XXXX, 2017 my consolidated student loans were transferred without any advance notice from XXXX to Nelnet. Prior to the transfer I had a income based repayment plan to which I was paying {$150.00} per month and my loan balance was at or near {$46000.00}. After I received notification from Nelnet they were the new servicer of the loan my payments subsequently went up to {$210.00} per month and my total student loan balance was over {$47000.00}. When I reached out to Nelnet via phone to get answers I was told they had limited information as XXXX had not transferred all of my history and loan information over. I have made consistent and timely payments and I had yet to reach the first 2 year period of my income based repayment plan. I feel is if I am being gauged by Nelnet and as if they had added fees and surcharges to my account inaccurately.
Hi, I am a recent victim of flood damage due to hurricane florence. I submitted a claim to my insurance company. The claim was approved in a RCV amount of {$84000.00} and an ACV amount of {$75000.00}. My mortgage company ( JPMorgan Chase ) is currently holding the funds and has released {$10000.00} so far. I am to receive another {$10000.00} soon. 
My issue is that I have elected to contract myself to do the work as I am 100 % confident, knowledgeable, and able to do the work. My mortgage company has notified me that only {$20000.00} will be released until the home undergoes a 100 % completion inspection. Obviously there is no way I can repair the home with only {$20000.00}. I have called them many times and have received a different answer on this issue every time. The responses I received are as follows : * I would receive {$20000.00} first, then after I submitted documentation on the status of the repair and a 50 % completion inspection was approved I would receive another {$20000.00}. Then a completion inspection would take place and if approved they would release the rest of the claim funds. 
* I would receive {$20000.00} and no more until a completion inspection approved the release of the rest of the claim funds. 
* I would not receive any of the claim funds until the completion inspection is approved. 

I have tried to compensate for this shortfall, attempting to avoid conflict with my mortgage company, by applying for an SBA unsecured loan in the amount of {$25000.00}. I was approved but the process was halted as I have received insurance claim funds, which is a conflict of the SBA loan funds against my insurance claim funds. This situation seems to me as a deterrent in the contracting of myself to repair my home. The reason I pursue this so strongly is the availability of contractors in my area is extremely low and I wish to get my home repaired as soon as possible. I am displaced and can not afford it much longer. My intentions are only in good faith to put my life back together. I hope there is something you can do for me as I am running out of options and time.
LoanDepot has failed to deliver my escrow balance check of ~ {$3300.00} after I closed my mortgage with them and refinanced with XXXX XXXX. The loan was closed on XX/XX/XXXX. According to their customer service, two delivery attempts ( XX/XX/XXXX, XX/XX/XXXX ) were made, but I have yet to receive either of the parcels they supposedly mailed to me. 
I am very disappointed with their customer service. After multiple attempts to resolve this matter my own, I am submitting this complaint to let other consumers know how unethical this company is.
I purchased items using my XXXX account. This XXXX  account is linked to my Bank of America credit card. Later I found out that I got charged the foreign service fee from Bank of America. It turned out they charged this fee because it was a foreign transaction. I was not notified by anyone that I was a foreign transaction. I asked XXXX, vendor, and bank of america to reverse the charge, so that I can use a different card without any foreign transaction fee, but no one was able to help me. I contacted Bank of America more than 3 times regarding this, and visited a local branch once. 

Similar thing happened to me before with XXXX, and XXXX was able to give me a credit back to my account.
I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " NATIONAL CREDIT ADJUSTERS '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from NCA started
On XX/XX/2015 my parents whom live in XXXX were contacted by a representative from Zenco. They claimed that i owed money on a debt that i never had and disclosed my whole social security number to my parents. They also said that they will be taking me to court in XXXX XXXX because of this. So i called this number ( XXXX ) and left a message stating not to call my parent phone again and not to call me regarding this alleged debt without sending me the following in the mail. The amount of the debt, the name of the creditor to whom the debt is owed, Proof that you are licensed to collect debts in XXXX, Proof of the last payment made on the account. I received a phone call on XX/XX/2015 at approximately XXXX Eastern Standard time and a gentleman claiming to be from there legal department stated that he could call my parents and whom ever else he wants even if he is told not to. He then said that " fraud '' charges would be filed in XXXX XXXX against me. When i asked him to send me proof of this alleged debt he refused to do so. I asked again and he still refused and said he does n't have to. I got got angry and used profane language and he said something i regards of my mother and that they would be taking my tax return.I then called back at XXXX EST and left a message stating that no more communication between them and anybody else is prohibited and that i will be making a complaint with the FTC.
BSI Financial Services purchased our loan from XXXX XXXX XXXX. We were and are in an active Bankruptcy. For over a year, BSI Financial did not apply payments made to the loan, they put them in the escrow account. Since they did not apply payment correctly, they are charging interest and penalties on the loan that was paid. For 6 months we have been trying to work with the bank to get an accurate balance. We have had a lender that was willing to pay off the loan but BSI has been unable to get the payoff amount or balance due in 6 months. They are also continually reporting the loan incorrectly to the credit bureaus since they have not applied payments correctly. we have had a few discussions with our representatives and they always say they are working on it. Recently we have had update calls scheduled but they do not call. The person at BSI who says he is going to resolve the issues is XXXX XXXX. I believe the loan is now paid off, but they have fraudulently added more than is owed to the loan and are fraudulently collecting on a mortgage debt we no longer owe.
I have submitted several written requests to TransUnion Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.
I contacted Citi to tell them there is 5 fraud charges on my Citi XXXX Visa credit card. When I first told them this they marked all the charges and items i didn't receive a month later I told them again it was suppose to be fraud and then Citi put it as fraud but closed the disputes and claim they came from me which they didn't. I lost my card at one of the bars i was at on XXXX XXXX.The first fraud charge is on XX/XX/2018 from XXXX  in the amount of XXXX dollars. Second and third fraud charges were on the same day, XX/XX/2018 from XXXX XXXX for XXXX dollars and XXXX XXXX for XXXX dollars. Last 2 fraud charges were done on XX/XX/2018 from XXXX XXXX XXXX amount is XXXX and the other amount is XXXX. I am also being charged a interest charge for XXXX and two late fees of XXXX dollars each. I called Citi several times and they are still no help. I also told Citi issued me a new credit card but there not helping me with these fraud charges on my account and just keep giving me the run around and even closed my account now. I wrote them a letter stating It was all fraud but still never heard back and when I call I get no help.
I file Chapter XXXX U.S Bankruptcy Court District of Nevada ( XXXX XXXX ) # XXXX Debtor Discharged XX/XX/2016 My Wife XXXX XXXX XXXX and I XXXX XXXX XXXX have NO INTEREST on a house located at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX  XXXX XXXX & Corrington Mortgage have fraudulent documents from XXXX XXXX ( XXXX ) claiming to be my Wife. there is several notary documents from NOTARY XXXX XXXX Commission # XXXX stating she has been getting loans from XXXX  XXXX XXXX under my name without my consent with a blank space ( Must be Signed Exactly As Printed ( Not Present ) I had never married XXXX XXXX She is NOT MY WIFE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX
Hi, I was Included into this, XXXX XXXX Zions First National Bank,, I, m Sorry to say, I NEVER HAD a Bank Account with Zions First National Bank Period, on the Legal Notice I Got in Mail from XXXX XXXX XXXX, there were Names of lists of Co, s that ACH Debit, s from peoples Banks, they Withdrew Money,, Well I Got Past, Cyber Crime on all my Emails, from My First Computer I Bought in our House only 1 in house Mine. when I used this Computer, I always Got these Return To Email Server,, Mailer, XXXX, or POST,, on a lot and Even Legal Documents that are about Organized Crime, I, m a Ex Explorer worked for XXXX, under EX Chief XXXX XXXX XXXX, when I was younger and Trained, etc got Hired, I had a lot of Emails pertaining to, Insider Trading Acts, Surveilance, Eavesdropping, By a XXXX XXXX, since my first computer I, ve been involved in, So Much Fraud Acts, from my Phone Calls and Costs, Mail Criminal Documents, Costs, Faxes Costs, and Time and Gas $ , I, m Very Sure Posative that these Telemarketers & Internet Marketers have been doing Crimes to me and Familly, from past till Now still going on, I Got all my Evidence by Phone Records, Mail Receipts, Cyber Emails from XXXX, XXXX, XXXX, XXXX XXXX Evidence from Most All these Companies that are listed on back of My Legal Notice, Now I have Stated to the U.S. Security Exchange Commission my Financial Losts and Health Issues on Crimes etc, just 3 Days ago, NONE Perjured, My Word is Honest, and XXXX,, Telling you what I think is going on I, m Not a lawyer, But My Thoughts are My Evidence and its Good, This Class Action settlement is From a Criminal Group that have, Racketeered for Profits on everything dealing with my Business and Moms Business and I, m Sorry to Say My Street is Involved full Home Owners and Names for Evidence at my Street, XXXX XXXX XXXX, XXXX XXXX, Ca XXXX,, Last I, m very sure that the People involved are More involved in Crime then there, Debits ACH Money Withdraws, on people in the Settlement, Ending I hope you can give me a Legal Documents from my Email info and your Details etc and Send me All Legal Info I Need to Add to my Cases Pending for Court,, plus I can have the US Securitys Exchange Commission talk to you about my Evidence and Whats Realy Going on Now Present etc, Thankyou, I, m sorry this is a Shock to your Case, I, m Hoping we can agree to the right Documents and the Right answers, To Help eachother and everybody Else, By, This Document is TRUTH, Not Perjurized,
I disputed a bankruptcy with XXXX and Transunion. XXXX removed it but XXXX and Transunion refused to.
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which was highly suspect. As per the FCRA, I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items. Specifics such as company names, account numbers and the reason for disputing are all in the letter I sent them last XXXX XXXX, 2017. Credit bureaus are supposed to store consumer 's information and if they did their investigation properly they should be able to send me copies of the documents or information they use to verify the validity and accuracy of the accounts I have been disputing with them,
I purchased a vehicle through XXXX XXXX XXXX in XXXX. I authorized them to run my credit once. I now have several hard inquiries XXXX XXXX, XXXX and in XXXX XXXX, XXXX. The XXXX called me in XXXX to notify me that I needed to call the lender because the lender needed to conduct a survey because XXXX XXXX XXXX is having issues with the lender until I do the survey. I contacted the lender and did the survey, however now I see that XXXX XXXX XXXX ran my credit through XXXX more times without my authorization. I have my loan through XXXX XXXX. The unauthorized inquiries that are reflected on my credit report are through TD Auto Financing, XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX XXXX, and COAF.
On XX/XX/2018 Midwest Recovery Systems reported a collection of {$160.00} to XXXX XXXX which resulted in a negative report on my credit report on XX/XX/XXXX. Also, the same with XXXX on XX/XX/XXXX. I have never had any communications to or from Midwest Recovery Systems, I don't know who they are representing or what debt they are trying to collect because as of XX/XX/XXXX, I had ZERO collections on my credit report. This company has NUMEROUS complaints about how it does business and the scam collections they report on peoples credit reports. This needs to stop!
I used XXXX " access checks '' from Bank of America ( {$600.00} each ) to pay a contractor for work related to repairs on my house. The XXXX access check was written to him for the work. The XXXX access check was written to him after he claimed that the XXXX check was accidentally destroyed by his dog. He then never completed the work nor returned any of the money. Since then, the police has charged and arrested him ( the case is pending trial at this time ). I had also notified Bank of America asking them to reverse these charges. They had asked for a copy of the original contract ( which I provided ) and evidence of the work not being completed ( they refused to accept pictures ). On this, I submitted the adjusters report from the claim I filed on my homeowner 's insurance. This report showed clearly the significant damage done to my home as a result of the incomplete work by the fraudulent contractor. I had also submitted the police report and contact officer 's information to Bank of America. After receiving a rejection letter from Bank of America claiming I did not submit all required documentation ( which in good faith I had! ) I called their Status Department for dispute resolution and spoke with XXXX XXXX the supervisor. She admitted that EVEN IF I FOLLOWED THROUGH EXACTLY WITH ALL OF THEIR REQUIREMENTS ( which I did! ) that they STILL COULD NOT RE-CREDIT MY ACCOUNT since, in her words, Access Checks are like cash. I had used those access checks because I felt they gave me greater security in dealing with merchants. As a consumer, when I use those checks, they show up as CHARGES TO MY CREDIT CARD and thus should be treated like any other charges I would make from time to time using the credit card -- thus being protected from unscrupulous merchants. As a final note : I expect in life to have to deal with people who are out to defraud me ; unfortunately, its a part of life. What I do n't expect and am even more angry over is when a company that promises to protect my purchases IN WRITING fails to follow through with that commitment. 

I have the following documents : 1. original contract with the contractor ; 2. copies of checks cashed ; 3. police case # and investigating officer ; 4. copies of insurance adjuster report detailing damages to my house ; 5. invoice from the new XXXX I had to hire to repair the unfinished work ; 6. documentation of phone calls to Bank of America ( XXXX phone calls over a period of 2 months totaling over 2 hours ) ; and 7. XXXX fax confirmation sheets that I had sent to Bank of America providing documents that they requested.
There is a debt on my credit report from a company who owned and rented an apartment to my ex boyfriend. I was only ever a roommate. I moved out of the apartment and for at least 4-5 months him and his wife were living there. Well the ended up being evicted and now the debt they owe is on my credit report. The manager knew I had moved and was no longer staying there.

It's over a 2400 $ debt that I had no knowledge of and was not living there to acquire.
JP Morgan Chase, who manages my Amazon credit card, is calling me every day, at different times of the day, in order to collect a debt. I am working with XXXX to pay off my debt, and JP Morgan Chase has been informed that I am using this service. I 've also asked them to stop calling me. I am setting aside {$200.00} every pay day in order to pay off the debt. The telephone calls are excessive and intrusive and have not stopped.
I had called to check status of a vehicle loan payoff, to the XXXX XXXX XXXX number. 
The young lady I spoke with XXXX who became very rude and defensive in tone as I ask questions about the payoff that they said had to be forwarded since the address in the payoff letter that was sent to us, had the wrong address on it. having us send it to XXXX XXXX XXXX, OH instead of a XXXX XXXX address. I know that these conversations are recorded and that you can review them. I generally do not write these type letters but this young lady upset me very much.
I am disputing this alleged debt that is on my credit report. I have no knowledge of having a contract with this company. The credit bureau send dates but no signed copies of contracts or anything. Which is clearly not validation. In accordance with my rights under the Fair Debt Collection Practices Act I am hereby requesting that this collection agency provide formal validation of the alleged debt that they are reporting to the major credit reporting agencies on my behalf. In which I am not requesting a simple account summary.
1 ) Notice of foreclosure from XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) dated XX/XX/XXXX states the Creditor to whom the debt is owed as XXXX XXXX XXXX, XXXX. s/b/m/ to XXXX XXXX XXXX  XXXX. ( enclosed ) 2 ) The true secured creditor was revealed by XXXX as being XXXX XXXX XXXX XXXX XXXX, based on a qualified written request. ( enclosed ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) became the secured creditor and owner on XX/XX/XXXX. This fact was confirmed by both XXXX XXXX and by a Declaration and Affidavit of an expert witness. ( enclosed ) 4 ) We recently received Notice of sale for XX/XX/XXXX from XXXX XXXX  XXXX on behalf of XXXX XXXX XXXX. ( enclosed ) The action against us was initiated in XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX as Owner of Note as shown in the letter from XXXX XXXX XXXX XXXX, XXXX. Clearly XXXX XXXX XXXX XXXX XXXX has been the owner of the Note since XX/XX/XXXX. This home was erroneously foreclosed by the improper party.
My complaint is with Equifax. I 've reached out to Equifax customer services and more than four times regarding unauthorized hard credit inquiries reflecting on my credit file, some even showing two/three times a day apart. I was advised to contact the companies and advised them to remove the inquiry ; however, when contacting the companies they did n't see the inquiries on their end nor did they have acct information on me. When calling Equifax back the rep informed me she could/would not be able to assist me and I would have to simply wait it out and let it fall off. 

Unauthorized hard inquiries XXXX XXXX - inquiry date XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I have been a victim of fraud in the past with online attempts of applying for a credit card. I 've filed a police report in XXXX and even assure the fraud alert in on my credit report. I 've informed the rep of this information and she still declined to assist me. I asked for a supervisor and was placed on hold and eventually hung up on.
I paid off XXXX XXXX XXXX XXXX or XXXX on XXXX ( XXXX or XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact XXXX, TransUnion and XXXX and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested XXXX to remove XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. I requested TransUnion to remove XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXXXX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX 1XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Dear Office of Transworld Systems Inc., I am writing in response to your letters dated XXXX XXXX, 2015, ( copies enclosed ) as I disagree with the account balances that your office has purchased. 

This is the first I 've heard from you, therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in XXXX ( 5 ) Statute of limitations and how your office has determined if the amount are under or past the statute of limitations and for which state.