WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2013 a district court Judge ruled in my favor, XXXX XXXX XXXX XXXX, for my house to be given back to me because Wells Fargo trustee for XXXX mortgage services had no legal standing in illegally for losing on my home, n also, I never signed for my home to be refinanced. I was a victim of identity theft, the documents were all proven to be forged. And neither XXXX mortgage attorney in fact for XXXX XXXX XXXX. Had no legal standing. I deeded my home to a family member. I just recently learned per my family member, the home I gave to her in which the deed was registered n certified with the deeds office, was stolen from her without her knowledge without knoticefication. I learned that Wells Fargo trustee for XXXX mortgage servicing, deceitfully and illegally stole the property and sold it to an unauthorized trespasser through a realtor using a very crooked forecloure attorney firm in MI. They never returned my escrows, or monies they illegally took from payments on this fraudulent mortgage. I am bringing this matter to your attention as I am requesting actions be taken immediately monies returned property returned along with punitive damage as soon as possible. All of this was done without knowledge without notifying by use of fake, forged, n fraudulent documents to the court. This can not go on. The person that living in the home is illegally trespassing, and Wells Fargo, XXXX mortgage illegally trespassed into a property that was not theirs.
This is reported in my Credit Report Transunion and XXXX Acct # XXXX Charge Off report XXXX until XXXX report I have erequested a signature proof of account, not sucess. This a frausdalent account, Please removed from my Credit reports. 
XXXX
CBNA inquiry posted as a hard inquiry on XX/XX/XXXX.This inquiry was posted on my XXXX credit report. Ccb/ppc did the same thing on XX/XX/XXXX and it 's on my XXXX credit report still showing as a hard inquiry. I have n't given either my permission to run a check.
I purchased XXXX appliances from the Home Depot in XXXX 2015. I used my Home Depot credit card to make the purchase. I 've had numerous problems with the refrigerator that was part of the purchase. Due to the manufacturers inability to fix or replace the refrigerator I was left with no recourse but to dispute the charge to my credit card. I disputed the charge in early XXXX and was told by Home Depot Credit Services that the issue with the refrigerator would be resolved in six weeks or the original purchase amount of the refrigerator would be credited to my account. The six week time period has passed. My refrigerator has not been repaired and I have not received the credit to my account as I was advised by representatives at Home Depot Credit Services. I am now being told that an additional extension has been given to allow for the repair of the refrigerator. I find this unacceptable as this has been an ongoing issue since last XXXX when I first reported the malfunctioning refrigerator.
My mortgage was transfered to Residential Credit Solutions , Inc effective XXXX 2015. I did not receive a new account number and payment information from the servicing company until mid XXXX. Since then I have made payment as required monthly, however, residential credit solutions inc has not been applying my payments since XXXX to date to my mortgage. Instead, they are charging me late fee monthly and reported the account as past due on my credit report. Every attempt to straighten out my account has failed. I was promised several times that they will apply my payments but nothing has happened to date. I have copies of processed checks to proofs.
Purchased  the Netspend PayPal pr epaid card for  XXXX  paid  XXXX  Load Fee and put {$100.00} on the card. Attempted to activate the card and was told that I could n't because I already had this card with a - {$190.00} balance on the account. Contacted several times to attempt to resolve the issue. Was told by  XXXX  on  XXXX / XXXX / 2017  that the issue had been addressed and that the card would have the money credited to the account and be ready to use in he morning. Was notified via text message at  XXXX  that {$95.00} was avialable in m y PayPal Prepaid Account. I have  no access to the card.
Hi, The following complain disputing again New Century Financial Services , Inc. for NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, New Century Financial Services , Inc. Has damaged my name, and my credit. New Century Financial Services , Inc. has entered derogatory information into my credit file. 
After multiple attempts to contact New Century Financial Services , Inc., The Company is unresponsive to any of my inquiry. A request has been made for the company to provide validation of this debt. So far, the company has not comply with this and Fail to validate and removed items from credit report in total amount XXXX {$720.00} and XXXX {$430.00}. The current account is a false account which I 'm not responsible for.
XXXX XXXX is calling me non stop using various area codes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Sometime theycall as a ptivate caller or unknown caller. they call2 timesin the morning, afternoon and evening up to XXXX at nightand saturday and sunday.. I sent a letter to capital one, along with the name of my bank and my account number showing that my income of social security was, indeed, under the protected status which my social security income could not be touched forant reason by any bill collector. this information should have been conveyedto XXXX when they sold them my account.. once again thank you for your help company address XXXX XXXX XXXX XXXX  va XXXX
My checking and savings at XXXX XXXX XXXX were put on hold. I went to my bank to inquire why. They gave me a phone # ( XXXX ) XXXX. I was told I have an outstanding debt with XXXX that had been sold to Mel S. Harris and Associates in NY. I was told they were sending letters to a home I have n't lived at for well over a decade. I was told they had a legal right to seize my money. I was told the debt was from XX/XX/XXXX. The original debt was from the mid XX/XX/XXXX. In XX/XX/XXXX I was repairing my credit score and settled this debt to the best of my recollection. I no longer have records this far back. I sent a letter to XXXX yesterday in an attempt to track the settlement. It is the beginning of the month. This is when most of my bills are due. I have checks out there. XXXX is to a court for an unrelated incident. If that check bounces because of this I will probably have a XXXX for my arrest. It is a violation and a {$25.00} check. It is very bad on so many levels. Untangling this mess is costing me money everyday I can not access my bank accounts and their former contents. In all likelihood this has set off a chain of events that could take years to untangle. I missed a potential job interview trying to resolve this. I just XXXX with a XXXX degree and am trying to embark on a new career. I am getting married and they took the savings that I 've scraped together working XXXX jobs, XXXX days a week while I was taking XXXX credit hours of collage classes. As I am typing this I am missing work. I work in the XXXX industry. I do not get paid sick days or time off. It also just looks bad as I had to tell my employers why I am missing days. I might lose shifts permanently because I 'm missing shifts. I am waiting to hear back from Mel S. Harris. I left a message and the representative also told me she 'd be calling me back today. So far no call. I 've tried to make contact at her office repeatedly today. I may have to keep trying tomorrow. I 've spent the last few days researching what i can to and trying to contact anyone to help. It 's eating up my work and school time. Time is money.
I was a victim of identity theft. A person in New York stole my identity, and was caught with 5 credit cards in my name along with a picture ID with my information on it and her picture. My credit score has gone down 200 points in a matter of 2 months which I had nothing to do with. I also need her information taken off of my credit report. I have tried to have the credit burrows take it off but they refuse. Each card that I have talked to stated they are sending the credit burrows a report stating it was fraud, but I see only a small change in my credit score. I am angered! I would like my credit score back that I earned, and not the one she trashed.
I have an auto loan from Huntington bank. It is a 6yr loan and I am told it has a penalty for early payoff. I just read on the internet that it is prohibited on anything over 5yrs. Like to know if thats true.
I filed several disputes with XXXX  regarding the Nelnet student loan accounts. My loans have been rehabilitated as of XXXX of XXXX and are in good standing. The Nelnet account has been closed since XXXX, but they are still reporting every month on my credit report. On XX/XX/XXXX Nelnet reported that I had a 120 day late which was not correct. My loans were in rehabilitation at that time and the Nelnet account was already closed for 4 years. I asked numerous times for this to be removed from my credit report as it is hurting my credit score and making it hard for me to have a better quality of life. The other two credit bureaus ( XXXX  and XXXX  ) have already made the adjustments after their investigation, however  XXXX  refuses to remove the false information.
I deposited a check from a business a XX/XX/2018 and Wells Fargo refuses to release my funds until XX/XX/XXXX despite the fact I also deposited a check from the same company in a different amount a week prior. Those funds were available next day. I requested the deposit be cancelled so I could take it somewhere else and they refused. I have less than 50.00 now to last a week and can even buy groceries for my family. Their fraud department decided it looked like fraud since I deposited from the same business but thats usually how payroll works! Instead of someone picking up. Phone to verify, I have to wait 10 days without my money!
U.S. Bank - I was speaking with a bank representative named XXXX that suggested I transfer funds from XXXX bank card to another at a lower interest rate. I did and asked that my payments be due on the first of the month. After everything was transferred over from XXXX cards, I received my first statement and it stated 11 % which was higher than the 5 % he quoted me, also, there were transfer fees. To top it all off, any account I have has a grace period of at least 5 days. If my account was n't paid on the XXXX of the month exactly ( which was never explained to me ) I finally discovered I 'd been charged late fees. I 've always paid my bills between the XXXX of the XXXX of the month. Upon discovery, I was smoothed talked again and then found out my interest rate had gone up to 28 %.
There is a number that calls me XXXX - XXXX times a day ( XXXX ) without leaving a voicemail as to what the matter is about. It started on Tues. XXXX XXXX, 2015 and has been non-stop since then. The call will last about half the length of time before my phone goes to voicemail so it 's impossible for me to answer. Then when I call back it is a phony English automated message. I have no idea what debt they are trying to collect. It 's starting to get really frustrating. 

I recently changed my address and received a bill in the mail for no-show from a doctor whom I never seen. I 'm wondering if that is from them?
My name is XXXX XXXX XXXX I had filed a previous complaint against XXXX XXXX XXXX complaint # XXXX I called them today @ XXXX and asked for a XXXX XXXX Desk XXXX l2nd letter received from them when I asked to validate the debt. 
When I asked XXXX if he was a collection supervisor or collections department manager he paused, I asked him again if he was a collections manager or a regular collections rep, he responded " I am a collections manager, I asked if he was the departments collections manager. XXXX XXXX then said " I have collection accounts that I manage '' I advised them that why did he say he was to collections manager since that was misrepresentation to his company. I asked for his collections manager and all he kept doing was going in circles saying the same thing. I who is you collections manager again then he hung up. XXXX XXXX Desk XXXX has violated the FDCPA for claiming to be a collections manager.
On XX/XX/2017, I sent a certified letters to Sentry Recovery and Collections, asking them for debt validation of the accounts as I never received any bills prior to the debt hitting my credit report, in the sum of {$450.00}. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. It's been more than thirty days and I haven't received any written validation of the debt. 

Under the FDCPA Section 1692g If the consumer notifies the debt collector in writing within the thirty-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 a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this sub chapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
I closed this account by turning in the mobile phone on time and they added another payment to the account when the account was closed. I would not pay it and they sent it to collections.
There are two fraudulent checks cleared from my Citibank account by the same criminal individual ( altered my paid amount on the paper checks and submitted those ) for which I immediately notified citibank 20 days back. Filed police report and faxed my affidavit forms immediately to Citibank and they confirmed me on receiving the documents. However the bank made no effort to return my {$800.00} even after knowing this is forgery.
My information was breached and leaked out to the public and someone is trying to apply for credit and placed lots of inquiries on my credit report Experian stated to me that they have never received my information when it was received by mail and tracked that experian received my information and lost it I have been in a emotionally distressed state and I seek to file a lawsuit if this situation is not resolved I request all 3 credit companies update my information and make corrections
I WAS DENIED CREDIT BY XXXX XXXX XXXX A FEW WEEKS AGO. I WAS SENT A LETTER INSTRUCTING ME TO SPEAK WITH XXXX, SO I CALLED XXXX AND REQUESTED THAT AN OLD FRAUD ALERT, WHICH I WAS TOLD WAS INACTIVE BE REMOVED. AFTER THAT WAS DONE, I APPLIED FOR CREDIT WITH XXXX AGAIN, AND THEY AGAIN DENIED ME SAYING I NEEDED TO ADD A PHONE NUMBER TO MY CONSUMER STATEMENT PORTION. AFTER CALLING XXXX AGAIN, THEY REMOVED A FRAUD INDICATOR ALERT, AT MY REQUEST, AND THEN SAID THE PHONE NUMBER WOULD BE ADDED IN THE NEXT 30 DAYS. THEN, OUT OF THE BLUE, XX/XX/2018, I RECEIVED A LETTER FROM TRANSUNION SAYING THAT " AT YOUR REQUEST, WE HAVE ADDED AN EXTENDED ALERT TO YOUR TRANSUNION CREDIT REPORT. I DID NOT REQUEST THIS, NOR DID I EVER SPEAK TO ANYONE AT TRANSUNION. I ONLY CALLED XXXX, AND I REQUESTED THE FRAUD ALERT BE REMOVED, NOT EXTENDED. I AM NOW UNABLE TO REACH ANYONE AT TRANSUNION, AND I AM UNABLE TO APPLY FOR CREDIT UNTIL THIS IS STRAIGHTENED OUT. I NEED A NEW CREDIT LINE TO PAY FOR MEDICAL EXPENSES THAT CAN NOT WAIT, AND I AM VERY UPSET AND WANT THIS RESOLVED IMMEDIATELY, OR I WILL HAVE TO CONTACT AN ATTORNEY. PLEASE HELP!
On XXXX XXXX, 2015 I applied online for a Kohl 's Charge card and was accepted. I provided complete and truthful information and was approved. I have used the card for purchases and paid in accordance with the terms of the card. In fact, I have paid more than the minimum amount due and owing. 
On XXXX XXXX, XXXX Kohl 's sent a letter canceling the card, issued by Capital One, claiming they " observed activity ... not consistent with our expectations.. '' They have REFUSED to disclose the basis for the decision. I believe the basis is DISCRIMINATORY in nature and not supported by any facts or circumstances. I believe their decision violates the law and my rights as a consumer. CAPITAL ONE has been the subject of a prior complaint for issuing me a card through a different vendor and doing exactly the same thing although I adhered to the terms of my contract.
I have a auto loan with Ally bank. One month I missed my payment date. Every day after the due date, they called myself and my XXXX XXXX XXXX father in excess of 20 times a day. From XXXX until XXXX seven days a week. The calls looking for payments did not stop even after the payment posted to the account for five days. Their " customer service '' reps would say they would note our account to stop the calls, yet they continued.
I am having issues with what is believed to be a mixed report with another individual. I have initiated disputes with the credit bureau. After several calls to the credit bureau, they finally initiated a proper investigation. I received notification from the credit bureau that on XXXX/XXXX/2016, the item has been deleted from my credit file. On XXXX/XXXX/2016, I looked at my credit file and the item was still reporting. I called the credit bureau, and after getting several different excuses about why the item was still reporting, I was finally told that there was an error within their system and the item would be completely deleted within 24 hours. I called back after 48 hours and my file has been placed with a special department within their company is handling my file now. They will not allow me to access my own credit file, nor will they allow potential creditors to view my file. I was told that in order to apply for credit somewhere, I need to contact them beforehand so they can allow the potential creditor access to my credit file. I did not request that they do this. This is very inconvenient. I also have credit monitoring services that I am paying for that do not have access to my file because of this unauthorized tactic by the credit bureau. 

They also placed an inquiry on my file that I did not give them permission to pull. They are the credit reporting agency, so they should have access to the credit file without have to do a " hard pull '' to view a persons credit file.
Ive contacted XXXX XXXX several times in writing demanding they prove the debt they are claiming I owe
Synchrony Bank, during the month of XXXX 2015 closed my Gap Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal XXXX Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Gap Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
I am closed on a home XX/XX/2018 in zip code XXXX. I have received the lender 's CD and the title agency 's Settlement Statement. The final " cash to close '' number match between the documents, which is great. 

The problem that I have is, the accounting of the numbers that add up to the " cash to close '' are vastly different between both documents. Which document should I trust? Both companies wanted me to sign the forms to proceed with the closing. 

Honestly, I shouldn't be forced to sign these documents in order to close, if one or more documents are wrong. 

After being more pushy, the title agency provided a correctly itemized settlement statement, the lender told me they were unable to provide a correctly itemized CD. 

What was more odd, the title agency gave me the okay to re-itemize the settlement statement to match the lender 's itemized CD. I refused. 

I am attaching the correctly itemized settlement statement and the lender 's CD. Which do you think is correct?
On my credit file, a National Credit Adjusters collection account in the amount of {$950.00} appeared. Date reported was XXXX/XXXX/2015. I contacted the number listed on my credit file to inquire about the debt. A representative stated it was a payday loan account that was from XXXX. I stated to the representative that I had not done business with this company and this was not my account. I contact XXXX but they said they did not have an account in my name. The company is stating that I received a loan but I am disputing that I am the borrower. I am not the borrower.
I have tried twice through Equifax to get this debt from XXXX XXXX XXXXXXXX validated because i have never had any business connection to them. It states that they are collecting a bill for XXXX XXXX of XXXX from XXXX of 2016. Both times they return the bill as valid but no proof. I have XXXX service for the last 6 years and my XXXX service is over 10 to 15 years old. This is affecting my credit score and i want it removed. I believe this debt has been sold several times and XXXX refuses to send me any info validating the true debt. Balance {$490.00} Highest Balance {$490.00} Opened XXXX XXXX, 2016 ( 1 yr, 2 mos ) Account status open Type - Responsibility Individual Remarks Consumer disputes account information Original Creditor Name XXXX Thanks XXXX XXXX
switch two step verification to authy worked the first time but never again. 
have called and been hung up on. 
have emailed but not response have used the computer camera to verify my identity but got no response. 
What in the world is going on with you? 
I just want to log in to my account.