WillisBack/dataset-financial-user-claim huggingface dataset:
I have had problems getting a dispute by XXXX XXXX XXXX removed from my Experian report. Both XXXX  and XXXX have had no problem removing the item. XXXX XXXX XXXX Scams small businesses and the credit bureaus should not be allowed to give them a platform. Small businesses are the backbone of this countrys economy and a large company thats sole business model is to defraud them into paying {$5000.00} for a {$150.00} credit card machine is shameful. XXXX XXXX XXXX makes up 25 % of New York States default judgments. They exist to sue. Think broke numerous State of Texas door to door sales laws against my company when they tried to got me to sign up. I have filed complaints with the NY Attorney General and Texas Attorney General. NYAG even has a lawsuit against them, and they lost lawsuits in other states for there criminal enterprise as well. I sent all my evidence and certified letters to Experian showing how this company was defrauding me and all they report back is that it is a valid debt. I want to know how it is validated and the proof of it. It is not a valid debt it is theft and should not be allowed. Just like loan sharks dont have access to a credit report this company should not as well.
A auto loan was established in my name by someone who stole my identity. File identity theft report through the FTC and sent documentation along with a request to remove all liability of this loan from my name. American Credit Acceptance continues to verify this account with the credit bureaus knowing that it is identity related. This is a violation of my rights as a consumer under the ID theft Victim rights.
I HAVE CONTACTED EQUIFAX AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE MEDICAL AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING MY MEDICAL RECORDS TO BE RELEASED THEREFORE THE COMPANIES WOULD BE IN COMPLETE VIOLATION OF HIPPA AND SO WOULD YOU. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed.
Called and reported to be from a law firm representing a company tryong to serve me with a summons. Then called both of my parents immediately after o did n't answer the phone and left the same message. I called back and they threatened to send the process server to my work and that I needed to take care of thos now. I told them I do n't know who the credit card was from and do n't even remember having it. They continued the tactics until i agreed verbally to a payment plan. Then they sent me a contract to stop the process. Once I had a few minutes to think, I checked the XXXX clerk of courts and there were no suits against me and then looked at my credit and thos was n't even listed.
I took a private loan out during my undergraduate courses. The original loan was for approximately {$12000.00}. The original loan was taken XX/XX/XXXX and I started to make payments XX/XX/XXXX. As of this date I am still at {$16000.00}. This does not make any sense to me as I have made consistent payments since that time. Additionally, I made a payment for my monthly bill before the auto deduction occurs due to moving and wanting to ensure that my payment was made. They still took out the auto deduction causing me to overdraw my bank account and receiving additional NSF charges. I would like for your agency to look into their practices as I really can not explain why I am still no closer to paying off this loan than I was XX/XX/XXXX. AES Account # : XXXX
Upon calling what I though was my existing mortgage company XXXX on the XX/XX/2015,  I was informed that my account was transferred to SETERUS INC. on XX/XX/2015, but I never received a letter informing me of this change and therefore had sent to XXXX XXXX payments XX/XX/2015 in the amount of $XXXX XXXX check number XXXX and XX/XX/XXXX in the amount of XXXX (customer service representative could not locate a check number for XXXX payment) which XXXX says they forwarded to SETERUS INC. on those dates.

My complaint and deep concern is that I have NOT received any "welcome" letter from SETERUS Inc. giving me my new account number and any other information that I will need to communicate with this company and therefore have no way of sending in my next payment before it become late, which I am sure is a tactic used for collecting late fees.

This company has purposely decided to make it impossible to contact.  They have only XXXX published number, which they never answer, since I have been trying for over a week now.  Also, they do not respond to emails sent to them and I can not log into its website, because I do not have an account number, which is a required piece of information.  I do not know where to write them via U.S. snail mail and that would take a lot of time, being that I just discovered that my account was transferred and again, I have no account number to attach to a letter.
This company will not stop contact me at work. I have asked on XXXX occasions not to receive calls at work, and they keep doing it.
XX/XX/ received lengthy voice mail message lying about documents that were to be sent out -- -they needed asset verification and address verification. Phone screen showed incoming call from ( XXXX ) XXXX. XXXX gave XXXX to call for questions. 
XX/XX/ XXXX  received incoming phone call regarding the above. When I asked questions, caller lied to me and refused to answer any further questions, and kept asking me repeat questioning while I was asking for clarification. When I refused to provide information, caller told me I was wasting her time. I asked that she remove my number from the list and get rid of it ; she replied that she certainly would! Phone screen showed incoming call from ( XXXX ) XXXX.
On XX/XX/XXXX, SAFCO has issued their attached written response to my recent CFPB complaint. Within this written response, SAFCO has indicated that they processed an application for credit from the consumer on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX. SAFCO has also indicated that the application for credit included all of the consumer 's personal identifying information. Despite the above responses, SAFCO has failed to produce any proof of a signed credit application by the consumer which was processed on XX/XX/XXXX. SAFCO has also failed to produce any evidence which directly relates to a legible copy of the consumer 's personal identifying information or a copy of a valid photo ID which supports the consumer 's above credit application process on XX/XX/XXXX. NOTE : SAFCO ( Southern Auto Finance Co. ).
Ocwen is the servicer handling my Mortgage Loan. Because of the various hardships, already mentioned in my hardship letter and various other communications, I fell behind on my Mortgage payments. 

Hence I have submitted an application for a Short Sale. I understand my 3rd Party has submitted all the necessary documents to Ocwen and they have acknowledged it as well.
I would like to know why Scottrade failed to mention that Social Security Numbers and account numbers were stolen in the latest data breach and that the Social Security Numbers were left UN-ENCRYPTED. 

That data included brokerage account numbers, spokeswoman XXXX XXXX revealed Thursday. 

" They could have seen Social Security numbers, brokerage account numbers and emails, '' she said. " However, it appears that contact information was the focus of the incident, '' she said.
XXXX  appears on my credit-report ;  Requesting the inquiry be deleted. Already removed from my Exqufax credit-report.
There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX XXXX XXXX in the amount of {$820.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed
We received a letter from XXXX XXXX that was postmarked XX/XX/2017 that they were transferring the servicing of our mortgage to XXXX XXXX effective XX/XX/XXXX. We have yet to receive any correspondence from XXXX XXXX and our mortgage is due in 4 days. We have no account information to send our payment to. It is my understanding that we are to be notified of such a transfer at least 15 days prior to the effective date. I spoke with a representative at XXXX XXXX in hopes of getting my account information so that I could make my payment on time, but was told that they sent out Welcome Letters starting XX/XX/XXXX, again less than 15 days before the effective date. They were unable to provide any specific information regarding my account. 

Overall, our experience with XXXX XXXX has been subpar and my hopes for XXXX XXXX are quickly dwindling.
I WAS THE VICTIM OF IDENTITY THEFT PLEASE SEE ATTACHED FTC REPORT AND LETTER TO FURNISHERS RE : CAPITAL ONE SPARK CARD THANK YOU XXXX XXXX XXXX
I authorized XXXX 's XXXX XXXX in XXXX Idaho located at XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX to pull my credit report from XXXX XXXX XXXX XXXX, and that they would come to me prior to going to other lending sources. I made that very clear to the finance manager. What they did is go to 12 plus lenders without my consent. I have made it very clear on how I feel regarding this. What are my options?
XXXX XXXX XXXX  a debt collection company in XXXX MI has continued to fraudulently attempt to collect a debt from XXXX XXXX in XXXX XXXX MI for the amount of {$68.00} stemming from a medical appointment in XX/XX/XXXX. The {$68.00} was paid directly to XXXX XXXX in XX/XX/XXXX. XXXX has continued to call and send collection letters for over a year despite XXXX XXXX informing them the debt was paid in full. I have also informed them multiple times that the amount was paid directly and no current balance remains. XX/XX/XXXX the {$68.00} was referred to XXXX  as a deragotary account despite a lack of evidence showing that this account is overdue or outstanding. Despite multiple contacts made by myself as well as XXXX  they continue to treat the debt as unpaid. They are using the deragatory report to XXXX  in an attempt to extort money from me without providing any valid paperwork showing the transfer of this debt to them or providing any statement or corespondence from XXXX XXXX showing the account being past due.
Our home was lost in the XX/XX/2016 flood in Louisiana. We have attempted to obtain the payoff amount from the company that bought our mortgage ( Dovenmuehle Mortgage ) from our local bank ( XXXX XXXX XXXX since XX/XX/2016. These requests have been made by phone, email, and written correspondence. We have explained repeatedly that our ability to rebuild hinges on this payoff amount, but have only been met with collection threats, rude employees, and absolutely NO cooperation from this company. They say they can only mail the payoff amount via US Mail and say they have done so on four separate occasions. However, this document has still not been received. We have had no interruption in mail service, our local post office has no record of this correspondence, and we just do not believe they have made any attempt to send it in order to continue to charge us their exhorbitant late fees. We have requested that this information be sent via overnight service or certified mail, but were told they " do n't do this ''. We are currently living in a small camper in our driveway and have an application with the small business administration for a loan which will enable us to rebuild, but without this information, this process can not move forward. Dovenmuehle Mortgage and their employees have only shown less than a lack of concern for our circumstance, so we feel we are forced to seek assistance at a higher level.
I previously submitted 3 disputes back on XX/XX/2018 Dispute Transactions ID 's are as follows. 
XXXX, XXXX and XXXX All disputes were opened at the same time, all for the same reason and all from the same company XXXX  who used several different names and URLs to run a fraudulent business. 

Dispute Transaction ID XXXX from XXXX XXXX for {$7500.00} was closed in my favor but Disputes XXXX from XXXX for {$7500.00} and Dispute Transaction ID XXXX from XXXX also for {$7500.00} were closed for partial credit on my account because of the merchants response. 

Upon further review of the letter sent to you by the merchant it is hard to believe it has been used against my dispute cases. I am asking that the merchant letter be dismissed from both dispute cases for the many reasons I am going to list below in addition the attachments I am sending you offering proof of my claims. 

Even just a quick visual analysis of the contents of the document supposedly delivered by the merchant reveals numerous elements. 

1. The document was not composed upon the merchants logo-bearing stationary.

2. The document possesses no date specifying when the document was composed.

3. The document possesses no address identifying from where the document was mailed. 

4. The document possesses no telephone number to be used as evidence that the document was faxed rather than mailed to the dispute center.

5. The document possesses no name indicating the identity of who composed the document.

6. The document possesses such poor and flawed wording as to be unintelligible overall and certainly paints a clear picture that the document was not composed and released by any genuine merchant. For, if the document had been composed and released by any genuine merchant, the writing would be professional, error-free, and easily readable. 

7. The documents verbiage contains the wrong date regarding when my association with the merchant began. If the document were legitimate, the accurate date of when my association with the merchant began would have been utilized. -See attachment for proof of incorrect date and even year. 

8. The existence of a document-building computer-systems database node number in place just above the leftward region of the documents first paragraph.

Being such a large company and dealing with a higher tiered dispute specialist, XXXX XXXX I am surprised that this bogus merchant letter has been used against my case and further more believe that the disputed amounts should be closed in my favor. 

Please see attached proof that the date of services is incorrect and also that the services purchased have not been received or delivered as guaranteed. I will reattach also the XXXX XXXX XXXX XXXX Page 1 that states in Section One, Event and Product Highlights that Lifetime Access to the program was in the Agreement. 

Thank you XXXX XXXX
I attended school online via XXXX University as well as XXXX College from XX/XX/XXXX-XX/XX/XXXX. At the time I was unaware that my high school diploma was from an unaccredited school. I contacted my loan servicer to make arrangements to pay back my loans which are totaled at {$48000.00}. I received a letter from a debt collection agency stating they 'd purchased my loans from the Department of Education. I contacted the Department of Education once again on XX/XX/XXXX to make arrangements to pay back my loans but was redirected to the debt collection agency and no one answered so I left a voicemail. These student loans are updating monthly showing a negative status and impacting my ability to purchase a home and I am unable to contact anyone to make payments or arrangements to bring the loans current. These loans have also affected my ability to gain employment which is kind of contradictory. If I ca n't get another job due to these loans, how am I supposed to pay them back? I 've tried for months to contact someone with no response.
Wells Fargo has been reported to have violated federal laws by using people 's personal identifiable information to open credit cards, open bank accounts, and to violate the laws regarding protection of personal privacy and personal data protections. 

As a result, I am not doing any business with them and I consider them to be a criminal institution. They have settled with the various regulatory bodies for amounts into the hundreds of millions, which does not negate their illegal actions. 

They have reported negative comments about my use of their credit, when in fact, I am refusing to do any business with them and am reporting them as violators of AML/Patriot Act for having created a potential abuse of laundering, which includes placing, layering and structuring of financial products. By creating credit cards for customers that did not open them, they have created a revenue opportunity for Wells Fargo when annual fees and interest rates are assessed, which the consumer did not knowingly agree to. This, in fact, is a form of abuse which reverses the traditional money laundering steps, but allows criminals to profit through illicit means which are violations of regulations and existing laws. 

As such, I will not engage in any business with such a deceitful organization and have decided to seek reimbursement from them. 

Yesterday, they called in response to a previous complain, but would only engage in conversation if they recorded the conversation. When I stated that I too would record the conversation, they refused to discuss any further, and hence as a result, they never actually made any effective attempt to resolve the issue and actually simply abused the CFPB system and attempted to circumvent the process of correcting their abuse. 

By only being willing to talk to me if they could tap record the call, but not being willing to talk if I did the same, they created a hostile and unfair practice that was intended to be one sided and to use the threat of recording the conversation as a weapon against a fair approach to resolving the issue of their abuses of the financial system. 

Their actions should be reviewed by upper management regulators, and as such I will forward the information to the highest levels of management and media review. I will not engage in any further business relations with this organization due to their abusive practices which violated the laws and regulations as they pertain to protecting customer data, private information, and rules written in the AML/Patriot Act. They should be investigated further to find if the opening of credit cards and accounts created any money laundering opportunities, in addition to the executives benefiting and receiving bonuses and increased pay. Being a financial institution, they should be held to the highest level of scrutiny, and with these latest actions, they should be shut down and executives should be removed from any post within a financial organization permanently.
XXXX XXXX XXXX XXXX HSBC Bank USA has information on my credit report. They claim that I had an account with XXXX and purchased items in XXXX2012 in the amount of {$220.00}. I have never had an account with XXXX, I do n't even shop there. In the past when I asked them to produce documents with my signature for purchase affixed, they were not able to. I should not be charged for something I did not sign for. This is fraud or a serious mistake! Please help me clear my name and restore my credit.
There is an account listed which does not belong to me and is reported on my credit which is wrong. Requesting removal of this ASAP
We currently have a Loan Forebearance with Rushmore Mortgage which was established via the Loss Mitigation Department through XXXX Mortgage and they are constantly harassing us on a monthly basis by continually sending a Loss Mitigation Packet! We have already been approved for Loss Mitigation and I have also spoken to the PoC in XX/XX/XXXX regarding our Forebearance which she finally acknowledged goes through XX/XX/XXXX. Therefore, we should not constantly receive a Loss Mitigation Packet Every Month! We should only receive the statement of account regarding monthly balance owed to ensure we have the same accounting/reconciliation of account. We also should not be receiving Notices Placed on our Front Door from Rushmore Mortgage Servicing, since we are currently in a Valid And Approved Loan Forebearance Agreement! Pleases stop harrassing us as if we have done nothing to remedy our Mortgage Account!
XX/XX/XXXX I landed in XXXX, F 17 lorida on XX/XX/XXXX. The purpose of my trip was to assist my sister who has XXXX  to find a place where she could get the help she needs. She was in rehab in XXXX, Florida. I was staying at her apartment on XXXX XXXX. On the way to her apartment the friend who gave me a ride and I stopped at XXXX XXXX  in XXXX XXXX. I paid for the dinner with my Iberia Bank Visa credit card. 
I was surprised when I received the Iberia Bank Visa statement that indicated a charge of {$210.00} at XXXX in XXXX XXXX XXXX on XX/XX/XXXX when I wasnt at the Mall. 
The signature on the sales slip was not my signature. In fact it was just a couple of what may have been letters and a long squiggly line. 
Twice I faxed copies of my explanation to the fax numbers they gave me over the phone, but have not received any word back. When I call Im told the disposition of the case does not show up on the screen. 
My contact has been Case Number : XXXX Dispute Resolution Department XXXX XXXX XXXXXXXX XXXX GA XXXX Phone XXXX
Hello, My name is XXXX XXXX XXXX XXXX XXXX and I am facing an issue with Bank of America since XX/XX/2018. 
A friend of mine ( XXXX XXXX XXXX XXXX ) owed me {$520.00} and he planned to send the funds through his XXXX account ( via mobile XXXX app ) back on XX/XX/2018. 
I received a text message from Bank of America on XX/XX/2018 at XXXX XXXX EST saying that the {$520.00} will be credited soon to my account.with the confirmation # XXXX ( screen shot attached ) Since then I have not received even a single penny with respect to this transaction. when i spoke with the Bank of America aka BOFA they said that the ball is not in their court and advised me to go to the chase bank. similarly, when I went to the XXXX XXXX   they recommended me to go to BOFA. 
I suspect that it is on BOFA and they were not able to locate my funds. BOFA told me that as he ( my friend ) sent it through XXXX using my phone number that I should register with XXXX using my phone number. Surprisingly when I tried to register with XXXX through the phone number it says that " I have already been registered using Phone number ''. ( Image attached ) As per the banking rule, the funds go back to the sender after 2 weeks if the transaction is not successful. In my case, the sender have not got back his funds either. ( attached Sender 's bank statements that there has been a deduction of {$520.00} and sender has not received the money back which means the transaction did go through. ) Also i have attached my BOFA statements to depict that I did not get my money.
I just found out someone was billing MY XXXX Account XXXX years ago. 
I was receiving emails to my main email account stating that I was applying for mortgages. 
I 'm trying to nip this problem in the bud, but I 'm having a hard time getting the fraud alert off the ground. 
I tried filing a fraud alert, as per https : //www.identitytheft.gov/ but once I got to Equifax 's web portal, I could n't make any headway. 
They gave me a PDF file to mail in a form. Do they not trust me online?