WillisBack/dataset-financial-user-claim huggingface dataset:
My ex-wife has charges from ministry health care that she has not paid. These charges were incurred by her after our divorce was final. XXXX XXXX XXXX has not made any attempt to contact me or collect from me regarding her account. XXXX XXXX XXXX has put her account in collections with Alliance Debt Collectors. She still wo n't pay so Alliance has sent letters to me saying I owe this debt and they have reported it to the credit reporting agencies that I am a co-signor on her account and it is in collections. I have informed Alliance that it is not my debt and asked for verification. They sent a reply that does show my ex-wife owing this debt but not that I owe it. Last letter from Alliance is that they have been authorized to refer me to Attorney to be sued. A few days later a letter from Attorney XXXX XXXX XXXX arrived that he has been authorized to sue me unless I contact Alliance and pay.
I Received A Letter From Cascade Capital LLC, Dated XX/XX/XXXX ... .Stating My Account Has Been Assigned To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report On XX/XX/XXXXThey Had Added This Account To My Credit Report. I Have Never Had An Account With This Collection Agecies Listed ... The Account They Are Noted Was Last Reported In XX/XX/XXXXAnd They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.
Equifax sent me a letter stating that they found in favor of the companies that made these hard inquiries. I still cant log into equifax as they state my answers dont match. I feel they should have to provide proof of my requesting these companies to pull my credit. Most all web sites force you to sign up for an account just to view what they have to offer. At no time did I authorise the mentioned credit inquiries. None of these were utilities or any of the other excuses equifax stated in there letter to support declining removal of these fraudulent hard inquiries. I also find it odd they mail me a letter declining to remove these inquiries but I cant log in to dispute there findings nor did they inform the federal bureau of consumer protection agency that they had founded against me and closed this case
I have been the victim of Identity fraud where my credit has been pulled multiple times. I have had multiple inquires that were not from me or initiated by me on my Transunion credit report. I have attempted to speak with supervisors about the issue and have written multiple letters in regards to this matter with no avail. I have gone as far as contacting the companies that are in question and they refer me back to the credit bureau. The inquires that are to be removed are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Credit Sesame sent me an alert on XXXX/XXXX/XXXX that there is a New Inquiry on my credit file with XXXX from SYNCB, XXXX XXXX XXXX XXXX XXXX, FL XXXX contact # XXXX. I called this company and they do not have an application on file for me. At least that 's what I was told. I am an authorized user on my moms Rooms to go card, and I have been since XXXX. She said this is why my credit was check in XXXX. I did n't give this company permission to check my credit, and if I am an authorized user on someone else 's account that is no reason to pull a hard inquiry on my credit file. I have a feeling someone has applied for credit in my name, and this account needs to be found. Also, this inquire needs to be removed, because XXXX XXXX has not given anyone permission to check her credit. They had enough nerves to tell me to call the credit bureau and dispute it. I called XXXX and they said I need to call the bank. SYNCB, needs to resolve this issue by removing this inquiry, and telling me exactly why was my credit pulled on XXXX/XXXX/XXXX without my permission. This is fraud.
Conn 's Home Plus is calling me multiple times daily. Just today, XX/XX/2015, they called me at XXXX, XXXX, and XXXX. They are preventing me from sleeping in preparation for my going to work tonight at XXXX. They have also called me outside the hours of XXXX to XXXX.
I am a victim of identity theft, Ive notified the police dept in my county, filed a police report, circled the items that are fraud on my report sent my info drivers lic. 605b of the fcra to equifax numerous times all certified return receipts which I have, and they have refused to remove items from my report within the 4 business days they are allotted by law, these items have destroyed my credit stopping from getting loans, cars and employment over the last 6 plus months I want these things removed at once ... they have poposidly refused to remove fraud from my report I want them removed immediately or I will go to federal court to sue this company.
My mother-in-law passed away in  XXXX  in California. My brother-in-law, also in California, was my mother-in-law 's executor. My brother-in-law passed away the following year. For whatever reason, my brother-in-law 's surviving wife forwarded my mother-in-law 's mail to our address in Maryland after my brother-in-law passed. We got nothing but junk mail in my mother-in-law 's name, and I registered her on the postal deceased list. This slowed the junk mail to a trickle.     Yesterday,  XX/XX/XXXX , we received a BP Credit Card pre-approval in my mother-in-law 's name to our address. My mother-in-law never lived with us and she did not even visit us at this address before she died. The mail says to either return the card to '' BP  XXXX  &  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  '' or go online at mybpcreditcard.com/accept. The  mailer  also states that by accepting their offer, I agree that I am providing this information to Synchrony  Bank ( SYNCB )  and to BP  XXXX   XXXX   XXXX   XXXX  and its affiliates.     I do n't want to contact the company in fear that they would then have our phone number and associate her name with our identity.     What can we do to make this stop?
I was in active review for a loan modification since XXXX/XXXX/XXXX ( see attached, email receipt from M & T Bank acknowledging a packet has been received ). I had complied with all of the document requests ( see email chain between my counselor XXXX XXXX and M & T Bank, XXXX XXXX was sending the documents through the portal on my behalf ). As you can see, M & T failed many times to respond to XXXX requests for updates on my loan, and when she tried physically calling to M & T bank since she was n't getting written responses, M & T Bank told her they did not have authorization on file, when it was faxed to them once on XXXX/XXXX/XXXX and again it was sent with the packet submitted through Hope Loan Portal on XXXX/XXXX/XXXX. There were so many delays on M & T Bank 's part that XXXX XXXX had to get a 3rd party involved to try to force M & T Bank to respond ( those emails are also attached ). 
XXXX XXXX had to refax the authorization form twice in XXXX XXXX after trying, but failing to get an update on my file. She refaxed the authorization form to M & T on XXXX/XXXX/XXXX, and they said they did n't get it, which caused another delay. She then tried emailing again though Hope Loan Portal to no avail ; then refaxed it on XXXX in desperation. M & T finally received that one ( I have an acknowledgement letter attached ) and then told XXXX XXXX the house had already sold at foreclosure auction on XXXX/XXXX/XXXX. 
My house sold because I did not have a copy of my pension award letter ( you can see that was the last thing they wanted ) - I could not get it that fast because the award letter had to be mailed, my pension benefits department would not fax it to me. M & T did nothing to help stall my foreclosure sale date even though they were only waiting for ONE document, and they had plenty of time to try to stall the foreclosure to help me get my documents to them. They also caused numerous delays, as you can see, by not responding to update requests in any sort of timely manner. My house would not be sold if they were doing their job in helping me delaying the foreclosure by a few days to allow me to get a copy of my award letter. I complied with all of their requests and unfortunaltely I could n't make my pension benefits department " hurry up ''. Even though they did n't have the actual award letter, I did send them the pension statements I get in the mail each month and the amount clearly does not change ; also my bank statements I sent to them every month show the same pension deposits every month - unchanging. Despite all of this, M & T kept moving forward with foreclosure because I did n't have the ACTUAL award letter even though they see it stays the same every month.
As this company states in complaint XXXX, they are just the servicer for Wells Fargo Bank ELT XXXX Trust. The state of Texas does not show this company has a surety bond on file, which is a violation of the Texas Finance Code.

Also, as they pointed out on the application provided in complaint XXXX.

Texas Finance code requires a surety bond for any company or their servicer to collect as they so frankly referenced, as permitted by law ( section F.34.F ). This is Texas states law. Their statement : " To clear up your questions, we offer you the following basic information about the loans XXXX  is servicing for you. Your consolidated student loan is owed to Wells Fargo Bank Elt XXXX   Trust. Your account number is XXXX To clear up your questions, we offer you the following basic information about the loans XXXX is servicing for you. Your consolidated student loan is owed to Wells Fargo Bank Elt XXXX   Trust. Your account number is XXXX ''.

This company continues to violate the Texas Finance Code by not providing a surety bond for nelnet and/or their client, Wells Fargo Bank ELT XXXX Trust. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX   resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. XXXX hasn't produced info. I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. I have failed a complaint with the XXXX   Attorney General 's office. Attached is the complaint for both companies.
I have tried on numerous occasions to come to some sort of an agreement with Wells Fargo on my HELOC account. I am having trouble repaying the loan, and am looking for some restructuring of the debt to bring the payments lower. I had gone through the process once, and not only did it take a long time to go through, mostly because the person assigned to my case would not return my calls for assistance on the paperwork, or would as for items, and then tell me that she actually needed other documentation instead. I spent more time on back and forth, then actually sitting down to discuss options for a solution. Basically I felt like I was given the run around and in the end, told there was nothing they can do. I am a senior citizen, on a fixed income. The payments now are interest only, but will soon become P & I payments. I am behind since XXXX, and have medical issues that I need to budget my fixed income to take care of. I learned that there was actually a law suit against Wells Fargo by other customers who also went through the same situation. They found that Wells Fargo did not help those searching for assistance in a timely fashion and lost their homes to foreclosure. Another thing adding to this is the fact that my daughter was tricked into signing papers on the loan. She had power of attorney over my financials, and the loan agent at Wells Fargo told her that she was signing documents showing her power of attorney, when in fact it put her on the loan as a co-signer. Because of this her income is looked at to make decisions on my repayment ability, when in fact it should not. She has her own home and finances to worry about. This is a slimy tactic for the bank to use and now put her and my son-in-law in this mess. My son in law who also works for a bank stated to me that there are lots of programs out there that can help to modify the terms of the loan, so that the payments are manageable and I can for fill my obligation. He also stated that at his bank, they do riders and mods all the time to release parties from various loans as long as both parties sign the paperwork to do so. Now My daughter is trying to go through this process with me again, and again, we are getting no communication or feedback from anyone at Wells Fargo. I am asking that someone help me to please have these people help to restructure my loan into payments I can afford based off my fixed income. I also want my daughter removed from the loan documents, as she no longer has power of attorney and has no interest on the property being used. That and the fact she was tricked into thinking she was being listed as an authorized person to act on my behalf on the account, not to be responsible for it.
Covington Credit in XXXX, TN, has been making excessive phone calls on a debt of under {$1000.00} belonging to my mother, who is in XXXX ill health, to the point that I am not responding, because when I do respond, they demand to her in spite of her ill health that renders her unable to leave the house, be left alone, or follow a conversation on some days. Today, XXXX XXXX 2016 at approximately XXXX, an associate with Covington Credit, XXXX XXXX, obtained my father 's ( my mother 's ex husband, who also has several health issues ) cell phone to call me, and used it to use threatening and abusive language towards my mother, specifically implying that she was a liar when she explained about her poor health and that for several months we had to choose between paying this debt and keeping the electricity on, and yelling at her over the phone while my father was trying to get his cell phone back from him, at which point he took my father 's cellphone out of his presence, and yelling at her, exacerbating her health problems. He also threatened police action on what is a civil matter, and demanded that she be in his office by Friday, XXXX XXXX, in spite of her repeatedly telling him that she could not make the almost one-hour trip that is physically exhausting for her, until XXXX XXXX, nor would she be able to commit to any sort of payment until that date. I am also making this report on behalf of my father, who informed him that he did not appreciate his conduct. I was a witness to this conversation on my mother 's end, as we turn speakerphone on when my father calls so that we can both talk to him. My father only only went in there to inquire as to what arrangements could be made, and to inform them that we would be in on XXXX XXXX to discuss payment. Due to the conduct of XXXX XXXX, we feel unsafe entering this business. My mother 's name will be the one appearing in the personal information field, as will my email address, as she does not have one.
During a loan modification process, prior to having the partial claim document recorded by the county, [ over a year after I signed & had it notarized ] a Bank of America employee modified the document, crossing off the work 'subordinate ' [ as it appeared before the word 'mortgage ' ] several times from the document, without my knowledge or consent.
MY CLIENT AND I HAVE BEEN DILIGENTLY WORKING TO PROCESS A SHORT SALE WITH US BANK, AND HAVE HIT MULTIPLE ROAD BLOCKS, DUE TO US BANKS IN ABILITY TO REVIEW, COMMUNICATE IN A TIMELY FASHION. AS WELL AS DELIVER FALSE INFORMATION REGARDING OUR REVIEW. PLEASE SEE ATTACHED. I HAVE ALSO REACHED OUT TO FHA NATIONAL SERVICING CENTER FOR ASSISTANCE REGARDING THESE CIRCUMSTANCES, THAT ARE FORCING MY CLIENT INTO A FORECLOSURE/SHERIFF SALE.
Equifax continues to ignore fraudulent accounts that do n't belong to me. They refuse to properly investigate and continue to ignore information that was provided to them in terms of fraud affidavit and police report. Also Equifax has inserted positive accounts that do n't belong to me.
On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account HUNTER WARFIELD via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 
On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing HUNTER WARFIELD the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that HUNTER WARFIELD stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
On  XXXX / XXXX / 17 , I used Venmo to accept funds from  XXXX  people.  One  transaction was for {$1400.00}, and another transaction for {$1000.00}. I received notifications when the funds landed in my Venmo account, but in fact the money was never received, and I was the victim of fraud, and lost {$2400.00}. Within an hour of the fraudulent transfers, I received an email from Venmo explaining I was the victim of fraud. I appealed to Venmo 's customer service team, but they covered their  XXXX  with the legalese in their ToS. I think Venmo should be held accountable for knowingly administering a compromised system and exposing their users to unnecessary risk.
I paid my debt in full to XXXX. My home loan consultant at XXXX XXXX XXXX XXXX, The XXXX told me to get a letter of deletion from XXXX XXXX and XXXX refuses to mail me one. I would like this debt removed from my credit report.
They keep calling my number and asking for my daughter who does n't live with me for 5-6 years or longer and who is XXXX years old.I try to talk to with some persons try to tell them that we are not in good relationship and that I do not know where she is, but they just keep calling me and switching the numbers that they call me from.
I have a hard hit inquiry on my XXXX Credit Report by Chase Card that I do n't recall authorizing.
a six year old check ( XX/XX/XXXX ), was deposited in a XXXX XXXX XXXX in Florida, XX/XX/XXXX and taken out of our BB & T bank, XXXX, Pa. without our authorization. 
We have a Fraud case NO. XXXX with BB & T. We have tried to find out what is happening ( as we froze this checking Acct. ) and have no answers from anyone. 
XXXX XXXX from BB & T ( XXXX, pa ). is handling our Case. XXXX. We were in this XXXX XXXX office XX/XX/XXXX and could n't see her. She called us the next day saying she was going on vacation and XXXX would find something out and call us this past week To this day no response. A relative in Florida lost this check and we feel we voided it as it was XXXX XXXX XXXX in XX/XX/XXXX, and replaced the check. We are long time customers at the XXXX, Pa. Bank. We appreciate whatever you could to help us. 
Thank You XXXX XXXX XXXX
With the Equifax data breach, my wife and I spent hours trying to 1 ) get our credit reports from XXXX, Equifax and XXXX, and 2 ) trying to freeze our accounts. I have finally received my credit reports from XXXX and XXXX on line but Equifax is requiring me to send them a letter with all kinds of documentation. I do not have time for this XXXX. My wife had to call XXXX to get a freeze on her credit and spent an hour on hold. Once connected the representative she could not understand the person due to a heavy accent. Why are these agencies permitted to hire non-American to deal with our sensitive information? How do we know they are n't selling it? I have disputed several mistakes on my credit reports ( wrong addresses ) without resolution. I have a very good credit score - I have never missed a payment or defaulted on a loan so my score should be perfect yet it is n't because I " do n't have the right kind of loans and I do n't keep a balance on my credit cards. '' What? I am a superb credit risk yet they judge me because I do n't take risks. Finally when we put freezes on our accounts we had to pay a {$6.00} fee to Transunion and XXXX for a total of {$24.00}. Equifax should be paying this not us as they made the XXXX up. This entire process needs to be shut down.
This guy offered to pay my credit card debt of {$790.00}, he gave me his saving account info and routing number to pay. I paid it off. Then he asked me to go to XXXX XXXX for him the next day after telling me I was allowed to pay the card off, so it wasn't part of the any exchange I was sick so I told him no. He threaten to reverses the payment, I told him that was fine since I was sick and did not want to be control by money ( I was not his slave ) he then threaten to make my credit score to go to XXXX, he told his bank I committed fraud. I have text messages to prove all of this that I asked him permission on amount and everything.