WillisBack/dataset-financial-user-claim huggingface dataset:
I was denied credit on XX/XX/2019 by XXXX  due to a credit report they received from XXXX XXXX. My credit score, according to XXXX, was XXXX  out of XXXX, when I have credit scores ranging in the high 600s to low 800s with the major nationwide credit bureaus ( XXXX, etc ). I have contacted XXXX  repeatedly to obtain the free credit report I was promised in the denial letter, but continuously get a recording asking me to leave my name and number for a call back ( latest call XX/XX/2019 ). XXXX  does not allow me to request the credit report online ; other than by phone, they ask me to send by fax or regular mail my social security number, drivers license, and other sensitive material that I am not comfortable sending by fax or mail. I am not sure when I will ever be able to fully review and thus dispute my credit report with them. This complaint is primarily about XXXX, but also I don't believe that XXXX XXXX   should be using such a company for their credit checks.
My wallet was stolen the night of XX/XX/XXXX, someone took my CHASE debit card and somehow made two transactions at two different atms withdrawing more then I had in my account. The next day I saw my account was overdrawn and I immediately filed a claim. I also filed a police report. Ive been looking at similar cases to mine online and Ive been reading how CHASE has reversed countless claims with little to no explanation as to why or how they came to the conclusion of reversing the claim. I would like to know what are other legal actions I can use to help support my claim?
Loan through XXXX mortgage was sold to XXXX and then re-aged on my Equifax credit report. The account was included in chapter XXXX bankruptcy on XX/XX/2009 were it was already delinquent several months. The account has never been brought current. I have disputed several times. The date of first delinquency will change but never to the correct date. I have disputed directly through the debit collector with no response. I have attached copies of my bankruptcy with account listed. This issue is causing great distress when trying to rebuild my credit. I have been perfect on all accounts for several years.
Ocwen is trying to force an escrow on us. This was closed last year and we thought it was over. Yesterday, XXXX XXXX, 2015 they paid my insurance with no authorization from anyone. In addition, they over paid the premium by almost {$1200.00}. In today 's mail I received information on an escrow and they want to add {$790.00} per month to our payment. We have never had an escrow and do n't want an escrow. And what they are charging is more then XXXX times the cost of our insurance.
I have been banned from using MoneyGram. 

I have had a MoneyGram account since at least XX/XX/XXXX and maybe longer. I last used my account on XX/XX/XXXX and received an email from MoneyGram on XX/XX/XXXX regarding the new and better services they offered. 

I tried to use my online account XX/XX/XXXX to make a bill payment and was unable to " log-in '' to my account. I tried to reset my password on-line and was direct to call MoneyGram customer service. I did this and was informed that MoneyGram would no longer allow me to use their services. I was told that If I wanted to send money, I would have to use another service. Thereby effectively banning me from their services. They would not give me an explanation. 

I called back XX/XX/XXXX hoping someone with more authority would be in the office on Monday, that way my issue could be escalated. My concern was escalated to the " highest possible level ''. I was informed that my account was indeed " banned '' without any explanation and that I could file a complaint on " their '' web site if I had one. I told them I thought I was entitled to an explanation. They said they did not have to provide one for security reasons. I told them with the current attitude that filing a complaint on their website would be futile and that maybe someone with more authority, like the federal government should look into it. I also said I felt threatened and discriminated against for no reason. 

I thought maybe it was a fraud issue, so I contacted XXXX and asked them to check my identity theft account and to upgrade my account to their top level of security. They said they could find no reported issues with MoneyGram and me. I related my story to the representative. I asked them how I should handle the issue. He stated that he had never heard of such and issue with MoneyGram. He recommended that I contact the FTC. 

I would appreciate any assistance in resolving this issue. I feel I have the right to know why this happened. 

In summary, I have been banned from using MoneyGram with no explanation as to why this occurred or if this is permanent. I have done nothing wrong and have never been accused or convicted of any crime. I am a retired XXXX.
This account has been paid in full but has not been reported paid in full to the credit bureaus. XXXX XXXX said the account has been updated. This is not being reported. Please Help!
On XX/XX/XXXX two checks were stolen from a company called XXXX XXXX XXXX and cashed under my mothers name at a Wells Fargo bank. These checks were fraudulent and my mother did not cash them. The company filed for fraud and their claim was settled on XX/XX/XXXX. To settle this claim the took the money from a teen acount that had my mothers name on them even though she is not the one who cashed them. This caused these accounts to be overdrawn by {$600.00}. The bank did not notify me that they were taking this money or investigating my accounts. We called them and started an investigation on XX/XX/XXXX. They said that an investigator would call within one to two buisness. However, they did not call and instead re-investigated the orginal claim. We attempted to start the investgation again and was told that they would call within one to two buisness days. However, once again they have n't called. We have coppies of the checks which were hand written. They do not have check numbers, the addresses are different on both of them, the signature does not match my mothers, and the memo on one says weekly wage while the other says employee wages. These checks were also made out within two days of eachother and cashed on the same day of XX/XX/XXXX. One check was written out to the amount of {$270.00} and the other was written out to the amount of {$400.00}.
I have tried to contact Coinbase/XXXX for 6 days now Wire Date : XXXX XXXX, XXXX Name I wired from : XXXX XXXX XXXX XXXX  Reference # : REF : XXXX Amount : {$74000.00} XXXX : XXXX I have tried to contact you for days now I have done 2 wire for the amount of {$74000.00} so a total of {$140000.00} One from XXXX bank ( the above info ) and another from XXXX XXXX XXXX XXXX on XXXX XXXX you DID place one of the wires in my XXXX account. The other you did NOT Im assuming its the XXXX one listed above This is the email I got for one of the wires. 
" We 've received your deposit We have received your deposit of {$74000.00} on XXXX XXXX, XXXX and funded your Coinbase account. 
Deposit reference : XXXX '' I dont know what wire that was of the 2 as I cant reach them.
There are XXXX accounts appearing on my Chex systems report that are not mine. Both are fraudulent accounts that were opened using my personal information. One is from XXXX and the other is XXXX The XXXX account has no identification listed, and the XXXX account has an incorrect identification number listed. I have disputed these accounts in the past to no avail. XXXX account, the XXXX one, was appearing on my XXXX report. However, I disputed it, and it was subsequently removed. However, both remain on my Chex systems report.
First supervisor we talked to had said that THEY WOULD work with us and that the account WOULD NOT go into Active Collection until a future date, she also said that they would contact to other people on the account in order to collect their portion of the bill. The second person we talked to had stated that they do not work out deals and that the entire amount would have to be collected over the phone on the spot or else the account would be immediately would be sent to Active Collections. Also threatening to mark the account as " Refused To Pay '' when we said we could not pay it at that exact moment but could pay it in a few days. Then once we had told him that there were more people on the account and that we were all splitting the cost with he was then Refusing to contact them saying that we needed to pay immediately before the phone call was up. This second person was being very unprofessional using harsh language ( not explicit but very disrespectful ) and kept implementing scare tactics in order for a payment to be made. and when we told him that we talked to a supervisor and they had given us such information he said that they do not do anything in such manner. Finally during the midst of the entire conversation he unprofessionally had thrown us on hold with out saying a single word right in the middle of my sentence when I was explaining something to him.
My wife and I have been getting phone calls from XXXX. The caller says that they are a debt collector and want to verify that I am who they are trying to contact by giving them my SSAN. 

I did a reverse phone look-up on XXXX and the owner 's name is not available. So, I called XXXX and the answering machine claims I was call the Van Ru debt collection agency. 

Someone came on the line and wanted me to verify my name and phone number before he would tell me why I was calling. I asked if he had caller I.D . and he said yes. So, I told he knows who is calling him and I want to know why they were calling us. He said that he could not provide that information unless I gave him my social security number. 

So, I hung up and called the New Hampshire Attorney General 's Office who asked me to call the FTC at XXXX. I did and am filing a complaint. 

The New Hampshire Attorney General 's Office said that the Van Ru phone calls are a scam and that they are phishing for data. 

Here 's the kicker - I do n't owe anybody anything!
I had several hard inquiries placed on my Equifax credit report without my permission by XXXX XXXX car dealership on XXXX 2015. I contacted XXXX XXXX directly and they apologized for the error and sent me copies of the correction letter on company letterhead as well as to Equifax to have the items removed. This first began in XXXX 2015 and still continues today. I also sent Equifax the same letters and they are still refusing to remove the inquiries. I have tried on several attempts but with no success. I also spoke to a Equifax customer service manager and she stated they received all the letters but are still refusing to remove the inquiries. The letters clearly show XXXX XXXX at fault and they are requesting the inquiries be removed due to their error. I am having no success with Equifax at all. Please help. 

XXXX
I have negative marks on my report that I believe have been satisfied. This has disqualified me for a loan. I need and would like to have my credit history updated, XXXX XXXXXXXXXXXX
I have a family member listed as a authorized on my account. I received a letter that Capital One to destroy the card because the authorized user was removed because of past criminal activity. They were arrested but never convicted. I called and was told the decision woul not be reversed. I am responsible for the account not the authorized user. Again arrested but not convicted. Thank You.
I have tried reaching out to this company to ask them to please verify the debt showing my identification being used because the debt their reporting is not mine. Im a XXXX vet with XXXX and had my car broken into and items were stolen.
TransUnion shows incorrect account status, outstanding balances, no information, negative information, etc. Transunion does nothing when the incorrect information is disputed.
I swear that I completed the income based repayment recertification back on XX/XX/XXXX, approximately 30 days after XXXX notified me of my program ending unless I renewed. I didn't receive another notification from XXXX until XX/XX/XXXX that my program has changed. I had just spoken with a XXXX representative the previous day on XX/XX/XXXX regarding my public service forgiveness not having the correct number of payments, which the person never mentioned that my recertification documents were never received. 

Now, XXXX has capitalized approximatley $ 45K of interest and say there is nothing they can do and direct debited a payment of {$2700.00}, which normally is aroudn {$1200.00}. They said I can unauthorize the charge and do forebearance for 30 days, but lose that payment toward PSLF and there is nothing that can be done on the interest capitalization.
1 ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXXthru XX/XX/XXXX timeframe.

2 ) The address provided to and reported by XXXX   is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX  and Convergent failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX XXXX Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX and Convergent to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved.

It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
I have closed accounts still on my report hard inquiries on my report that I did not approve. I want them removed immediately I have contacted all XXXX credit places no responses from any of them
I am in the process of buying a new home and securing lending on a jumbo loan. I have no debt to my name, a credit score higher than XXXX and more than sufficient funds for the 20 % down payment. I am gainfully employed at the some company for the past 10 years and in the same line of business for over 20 years. At issue is documentation required from the lender to approve my loan - specifically a mortgage or rental history for two years. I owned a home XXXX that I purchased in XXXX and sold in XXXX when I moved XXXX and purchased a home in XXXX that I sold in XXXX. Since that time I have been living XXXX rent free. Because I have the benefit of good friends and family members in the area while I continued to search for a home to purchase, I am now being penalized by having my loan not approved for this isolated reason. My impeccable credit report and payment history from XXXX is insufficient?
The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by Bank of America XXXX. XXXX XXXX was the XXXX lien-holder and tried twice to participate in a short sale, but Bank of America refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to Bank of America who told us the home was charged off and we did n't owe anything. Then we received notice from XXXX saying they had the loan now. We disputed the validity of this debt. XXXX at one time agreed that Bank of America should have never sold this loan to them, but then started charging us the regular monthly payment amout of {$620.00} which has significantly increased this debt. And now XXXX is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the National Federal Class Action Lawsuit against the XXXX banks ( including Bank of America and XXXX XXXX ) that foreclosed on homes and should not have.
XXXX XXXX 's began billing me for a debt that was not my financial responsibility in the amount of {$650.00} in XX/XX/XXXX( 5 months after the XX/XX/XXXX XXXX ). I immediately sent them a written response letting them know it was from a corrective XXXX XXXX  due to a XXXX XXXX and the doctor was financially responsible, and that I never signed anything stating I would be financially responsible for it. I never heard from them again.
Then in XX/XX/XXXX, Venture Financial Services , Inc at XXXX XXXX XXXX, XXXX, MO XXXX, XXXX sent me a letter, which I immediately responded to letting them know it was not my debt and to send me original documentation where I signed stating it was. They never responded.
Then in the first week of XX/XX/XXXX, XXXX XXXX 's sent me a new letter, directly from them, as if they had never sent me one before, requesting my payment. I sent them another letter on XX/XX/XXXX restating the facts, reminding them of my previous letter to them and to Venture Financial Services, and requesting documentation. No reply from them again.
Today, I received another collection letter dated XX/XX/XXXX. This time it is again from the same Venture Financial Services , Inc in XXXX, MO with the same reference number from their XX/XX/XXXX letter ( which they ignored my response to and never provided original documentation. ) I have even spoken with XXXX XXXX 's office and the supervisor agrees it is the doctor 's responsibility to pay, not mine, but she does not have " authority '' to bill the doctor.
How can these people keep passing this account back-and-forth, requiring me to repeatedly send the same demand letter for original documentation, and ignoring me when I do, and not somehow be violating the Fair Debt Collection Practices Act?
Please help.
I made XXXX payments of {$190.00} for a Cash Store debt settlement from XXXX/XXXX/15 - XXXX/XXXX/15 and I received a call yesterday from another collection agency that this debt was not paid
I keep regular contact with my student loan debtors and they have all my updated contact information however, of late I've had severe financial duress and was XXXX for a whole month with the recent XXXX going around, so I had to put them on hold. I've since sent them the required documentation for IBP. 
In the mean time, on XX/XX/2018, at XXXX in the morning, Nelnet called my elderly father who is XXXX, XXXX, XXXX, and very XXXX XXXX XXXX. That phone call almost sent him to the emergency room. Nelnet called him to get my updated contact information, which they already had, and he thought there was some emergency. He though I was in some hospital XXXX. No one calls anyone at XXXX unless it is an emergency! He doesn't give out anyone 's personal information over the phone, so they called him in vain. They did cause him a great deal of distress. After that call he immediately called me to see if I was okay. 
( NelneXXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX, Fax : XXXX ) Thank you, XXXX XXXX
The credit Company is   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX     XXXX   I did not apply for this card. I have been writing letters to this company and all  XXXX  credit bureaus for a number of years off and on. There has yet to be a resolution and this company as well as the bureaus have yet to delete from my credit files. I just recently written the companies this past   XXXX    XXXX , 2017 and still getting computer print outs with no validation of signature and who verified the account as accurate.
This negative and inaccurate reporting has been going on for over ( 7 ) years which is past the statue of limitations for the state of Georgia.
This company continues to re-age this information into my credit reports.
Of my {$460.00} payment that I have been given through an Interest Reduction Plane this is what I pay. I do not think that I or anyone should have to pay this type of interest to get our student loans paid off. I am paying more than what I pay to get the principal paid down. This is just not fair to the people trying o get and education and find a job to live and pay off these loans afterward. 
Principal Paid : {$210.00} Interest Paid : {$240.00} Borrower Payment {$460.00} Balance {$100000.00} DIRECT SUB CONSOLIDATION LOAN Principle {$75.00} Interest {$84.00} DIRECT UNSUB CONSOLIDATION LN Principle {$140.00} Interest {$150.00} Totals : {$210.00} {$240.00} REPAYMENT Disbursement Date : XXXX/XXXX/XXXX Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Guarantor : FEDERAL Interest Rate : 6.125 % Interest Rate Type : FIXED RATE Subsidy : SUBSIDIZED Loan Balance Original Balance : {$34000.00} Unpaid Interest : {$30.00} Current Balance : {$35000.00} Payment Information Monthly Payment : {$160.00} Repayment Term : XXXX Months Expected Payoff Date : XXXX/XXXX/XXXX Due Date Information Next Due Date : XXXX/XXXX/XXXX Days Delinquent : XXXX Loan Status : REPAYMENT Disbursement Date : XXXX/XXXX/XXXX Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Guarantor : FEDERAL Interest Rate : 6.125 % Interest Rate Type : FIXED RATE Subsidy : NON SUB Loan Balance Original Balance : {$59000.00} Unpaid Interest : {$56.00} Current Balance : {$67000.00} Payment Information Monthly Payment : {$300.00} Repayment Term : XXXX Months Expected Payoff Date : XXXX/XXXX/XXXX Due Date Information Next Due Date : XXXX/XXXX/XXXX Days Delinquent : XXXX I and most others do believe that we could pay off our debts quicker if the interest was not placed upon us as such.
This is a complaint against Toyota Motor leasing. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Good Evening ; I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Also, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. I'm not an expert on this, but I'm sure this is a violation either under FRCA or and FDCPA.
Capital Recovery Systems at Address : XXXX, OH XXXX Phone : ( XXXX ) XXXX has repeatedly tried to collect debt against me that is not mine. They have purchased parking tickets for a vehicle I have never owned. I have a similar name and live in the same town as the vehicle ( XXXX ). XX/XX/XXXX we cleared this up with them and they released us from this claim. Now they are sending letters to my parents home in XXXX that I have not lived in for 20 years. This is for the same debt that again is not ours. It is stressful on my spouse to have debt collections after us for debt that is not ours. Now they are interfering with the rest of my family.