WillisBack/dataset-financial-user-claim huggingface dataset:
I received XXXX calls at work on XXXX/XXXX/16 with messages left on my voicemail from a man with an accent saying his name was XXXX XXXX with Ocwen Loan Servicing. The caller ID showed up as Ocwen 's phone number XXXX, but his call back number given he said was XXXX which has a fast busy signal when I tried to call it back. He threatened that Ocwen would be placing legal action on me resulting in me losing my home. He gave my full name and my property address.
To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Borrowed XXXX, owe XXXX while making payments. Will not set up payment plan or stop outrageous interest.
Monday morning XXXX/XXXX/2015 we had a disturbing experience while visiting the SunTrust XXXX VA branch. For over a year and a half, we have had a home mortgage with SunTrust. Several times we have received communications from the bank suggesting that we consider making biweekly payments instead of XXXX a month as we had been doing. This seemed like an interesting idea, and we tried to sign up, which necessitated several unhelpful trips to the branch. It finally started to happen with XXXX payments being taken out of our XXXX XXXX account on the XXXX and XXXX of XXXX, against a due date of XXXX XXXX. We were pleased to see this occur -- until we received a letter and XXXX phone calls telling us that we were overdue with our XXXX payment. 

Since we are on time with payments, and clearly STI had the money in hand for our XXXX payment, we did not understand why we were overdue. The gentleman at the branch was n't sure either, so he called the mortgage department. A lady on the call explained to us that the {$2400.00} STI had in its possession by XXXX XXXX XXXX and which could have been taken by XXXX XXXX ) remained unallocated against our loan and did not represent a XXXX payment, but was instead considered an advanced payment for XXXX, which was n't due until XXXX XXXX! Therefore, we still owed STI {$2400.00} for our XXXX payment. 

The net effect of this " unallocated '' collection is that STI perpetually has the free use of {$2400.00} of our money, since STI will always have our {$2400.00} a month ahead of the due date. To the extent that this is true, and that others have enrolled in the XXXX payment system, which STI bills as a better deal for the borrower, the real beneficiary would seem to be SunTrust itself, with an ever increasing unallocated float as more people sign up. 
We are enclosing a copy of an STI printout that clearly shows the unallocated funds in our account. Also enclosed is a copy of the letter we received dated XXXX XXXX, but mailed in an envelope dated XXXX XXXX, confirming that we were enrolled in the XXXX program. There is nothing in this letter that remotely suggests that the biweekly funds being withdrawn in XXXX did not constitute payment of that month 's installment.
I have been attempting to settle a charge with XXXX XXXX XXXX for over a year now. I do not have the collector info. This was a workman 's comp case and the insurance company info has been provided many times both through the company I work for and the insurance company. I do not know if any attempt was make to contact the insurance company, but the charges will be paid completely by them. I would like to have this open charge removed from my credit report.
I been banking with wells Fargo bank for over a year.And my Attorney deposit a large amount of money in my account.My bank is try hold my check up.And i call wells fargo and told them my money suppose to draw interest 2 days after my attorney put the check in my account on friday the XXXX of XXXX.And XXXX the Supervisor said it dont drawing interest until the hold come off on the XXXX of XXXX and XXXX not true.And my lawyer bank verified the check for wells Fargo.I dont want to bank with them tgey are trying to steal some of my money and tgey are stealing from me when they told me my money dont draw interest until the XXXX when the hold comes off which is not true.They said the put the hold because of overdraft and i dont use check at all, i had to change my account number 2 times and wells Fargo said no one will go in my account and they lie.
I pulled my credit on XXXX XXXX and saw a hard inquiry from XXXX XXXX on XX/XX/XXXX who I have nor do I use and have never authorized a request for credit. There is no number to contact anyone and really would like to find out how to have this removed. 
Also on XX/XX/XXXX Credit Plus also pulled a hard inquiry, again do not know who they are nor have I requested credit through them. Please help me to remove these from my credit report. Thank you.
Franklin Collection Services has placed a collection on my credit report without notifying me 5 days prior of my right to dispute this debt. This debt has been added and constantly removed from my credit reports as I do n't have knowledge of this debt. It keeps being sold and reported without my knowledge. The law states that a debt collector MUST notify the consumer 5 days prior of their right to dispute and Franklin Collection Services failed to do this which is against the law. I have no knowledge of this account and do n't have a contract with Franklin Collection Services or the original creditor.
I received a phone call from a representative by the name of XXXX along with a voicemail after it 's been told to cease all communications with me. She called me at XXXX est I missed the call and called back because I did n't know who it was calling me. So I called the number back twice the second time the representative answered I told her that I was returning a missed call she asked if I was XXXX I said yes but did n't verify any other information, according to FDCPA debt XXXX are still supposed to verify the identity of whom they are reaching, she never asked my date of birth nor my social, she did however disclose mini-Miranda which they did n't do the first time. This is my second complaint against this company for violating and breaking all FDCPA regulations. They are attempting to collect on a debt that is n't mine. I 've hired an attorney as of Monday XXXX I am represented by Law Offices of XXXX. and this company is aware of this. I am seeking legal actions against them and I am pursing for compensation.
I received an email asking me to contact the bank at its XXXX number on XX/XX/2016 It says to have restricted my accounts and if I do n't call within XXXX business days, they will close all my accounts. I called immediately and waited at least XXXX minutes. But no one from Capital One came on to talk to me. I finally gave up. I am afraid that if they close my accounts, all my scheduled payments will be declined and I will suffer a major financial distress. Please help.
In XXXX of XXXX I was unable to pay my morgage due to an injury. I was in contact with the morgage company and they were aware of the situation. Imailed a payment to them XXXX/XXXX/XXXX for {$4500.00} which caught my morgage up to date. The check was cashed on XXXX/XXXX/XXXX. At the end of XXXX I received a letter from XXXX XXXX stating that PNC was forclosing on my house. I tried to contact them to report that my morgage was caught up but they would only send me the payment to remove my house from forclosure. The first week of XXXX I received a check from PNC bank for the {$4500.00} I sent them in XXXX and they also returned my check for XXXX 's morgage payment. I called the law firm and reported that I had all of the money except the {$3900.00} for future payment and asked what that was. They only replyed that I had to have this amount in full by XXXX XXXX, XXXX. There was an auction scheduled for my house for XXXX XXXX, XXXX. I hired XXXX XXXX to represent me a week before the auction was scheduled. We have been in litigation for 3 years. We were in mediation but the lawyer from PNC reported to the mediator that they never cashed my check and issued me a refund with their own check. They astated that they only returned my check to me. I had to go to my bank and pay for them to researce and find the check that was deposited. Due to all cases being dismissed I am currently receiving eviction notices and an '' investigator " is coming to my house harassing my children. I have a son who is a XXXX and have spent thousands of dollars renovating this house to be XXXX. They filed paperwork in XXXX of XXXX reporting that they foreclosed in XXXX of XXXX.
I have been contacted on numerous occasions by the company who is trying to collect a debt that is XXXX years ol and beyond the statute of limitations.
Freedom Mortgage originally said that they would give a {$2900.00} credit to lure me in. On XXXX XXXX, they then gave me a good faith estimate ( GFE ) for {$1700.00} in credits with no origination fees and then another worksheet that said I would be getting an additional {$1200.00}. They said that they could not put the total credits on the GFE, but would give me the {$2900.00} credit. I did sign this GFE. Then, on XXXX XXXX, they gave me a new GFE for a credit of only {$880.00}. I do not know why they can not put the total credits on the GFE like other mortgage companies. This seems kind of sketchy.
On XXXX XXXX, XXXX, the State California Board of Equalization filed a lien for unpaid sales tax in the amount of {$4000.00} Account No : XXXX ( file no. Doc no. XXXX ). This account is a business sales tax from the business that my partner and I no longer own, aka my husband/business partner, Equifax continue to report the business Public record in our personal credit report despite of my several attempts to dispute the account/public record in question. I 'm unable to refinance my vehicle due to my credit score continue to drop. The lien has been deleted from XXXX and XXXX in XXXX, except for Equifax.
Hello, I have been a Federal Government employee for the last 7 years and after paying towards my student loans during this entire time, I recently found out I was not eligible for the  Public Service Loan Forgiveness Program b ecause not all of my loans were Direct loans ( many are  Federal Family Education Loan Program l oans ). I was told years ago that as long as I was paying towards my loans, they would be forgiven after 10 years. I submitted the certification paperwork this year but have not received a response from the Department of Education despite submitting this information months ago.
XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on Experian XXXX and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.
I got a call from a company called XXXX XXXX XXXX ( Fidelity Capital Holdings ). They claimed I owed over {$1000.00} to 2 doctors. They had personal information about me but I did not owe the doctors any money. I called the hospital the doctors are associated with and they told me I did not owe any debt or have any open accounts there. I tried talking to the company to find out more information about the debt but they were extremely rude and unprofessional. They were abusive and would not give me straight answers. I asked for their profesional license number to find out if they were a legit company and they refused. They hung up on me and told me to XXXX it. When I asked them if they were real they would not answer me. I barely got any information about the debt. They did n't even want to spell the name of the doctors for me. one woman I spoke to could not speak English so I told her to speak to me in XXXX and she did at first but then would go back to English. Her enlglish was  incomprehensible and her XXXX was extremely fluent but she refused to communicate with me in XXXX. Every employee was aggressive and abusive. They would not let me talk and they would not answer my questions. I was simply returning a voicemail I received in which they identified themselves, asked for me and said that they were calling to collect a debt. From what I know about the law when it comes to collections, a voicemail is a third party and a collection agency is n't allowed to disclose or attempt to collect a debt on voicemail. They were horrible and I believe they are a scam. From reviews I read online I saw people claiming they have paid this company and did not receive any receipts or proof of payment. I want to prove this company as a scam so more innocent people are n't effected by these abusers.
After reviewing my credit I noticed that there was a closed account negatively affecting my credit. Pursuant to the 611 and 609 of the FCRA I requested that this item be removed. The account is through XXXX with an original delinquent date of XX/XX/2005.
I called Citibank executive office and asked for XXXX and a guy named XXXX XXXX laughed at me and made more Deragotory comments after my initial complaint about racial discrimination. That call took place XX/XX/XXXX at XXXX and there is a screenshot attached. Futhermore the vehicle is now damaged from the leaking and has also ruined my garage. Here are 3 videos you can download files to large to attach. The video can be downloaded for free as a guest at this links - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on TransUnion saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXXand it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX  and TransUnion should have some blame as well because dates and amounts don't line up and TransUnion was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..
I applied for a modification and was recently denied due to Nationstar mortgage is using debts that I do n't have against me. I asked about the denial and they informed me that I do n't make enough money versus the debt I have, when I asked them to breakdown my debts one of the Representatives stated that since you did n't provide a detailed breakdown of expenses we will generate our own expenses. I stated that I did so and it was already confirmed received and the gentlemen stated on XX/XX/2016 well it does n't matter because we generate our own even if you did It 's up to the underwriter 's discretion. That makes absolutely no sense so I called back and spoke to XXXX at XXXX and was again informed that I was declined due to income versus expenses. She was a lot nicer and provided more information. I was told that Nationstar 's underwriter stated that my water and sewer bill was {$450.00} a month when she sees that the financial breakdown of my expenses says {$65.00} and something called other for {$1500.00}, I asked what that other was for and she said no one knows but the underwriter and because they said other is {$1500.00} and water & sewer is {$450.00} then it stands. 
I am so appalled that a financial institution that has received bailout money to help me with a Government modification can disregard facts and make-up debts to decline homeowners. I am not going to allow Nationstar to make me a victim and let me lose my home.
I disputed the XXXX XXXX Mortgage because I do not have a mortgage and have already had it removed from my credit report XXXX. They investigated and updated my credit report. I also do not have an account with XXXX XXXX and disputed it to have it removed from my credit report. Once again XXXX investigated and it was removed from my credit report. I do not understand why there are XXXX credit reporting bureaus anyway. They never have the same information on a person anyway. I think if there are going to be XXXX ( XXXX Equifax ) then they all need to have the same information on a person. That way when a potential creditor pulls a report from whoever they normally pull from, it will have accurate information because all three bureaus have the same information.
My Mortgage serving was bought my chase after Washington Mutual failed. Since then I have had much trouble in securing information from Chase. Every time I ask for information from Chase they send it to my old attorney ( XXXX XXXX ) who is off the case since XX/XX/2015. Some information has been received that is incomplete and inaccurate. XXXX XXXX assures me that he has written to Chase many times asking for this to stop.
On Friday XX/XX/2017 we received a check from Bank of America for the sum of {$640.00} for overpayment on a home equity line of credit which was paid off when the sale of our property completed on XX/XX/2017. This account was on autopay from our checking account so the bank took the extra money rather than us sending it. Although the check we received was dated XX/XX/2017 the envelope we received it in was post marked XX/XX/2017. This means that not only did the bank overcharge us {$640.00} they also held our money for no good reason for at least two weeks without payment of any interest. This is an unacceptable abuse of a customer.
I defaulted on a loan with XXXX. The loan was sold to a collection company ( agent ) I made a payoff agreement with the agent of XXXX to payoff for removal. One the debt was paid off XXXX placed the debt back on my credit as a paid off collection and will not remove it as per the agreement with it 's agent.
The collection account with XXXX was paid in full and closed on X/X/17. The account has remained incorrectly reported with Transunion for more than 45 days. This has caused delays in applications that were necessary for me to file by a certain time.
My ex-husband and I signed all the paperwork to sell our house to a buyer who had a cash offer. The title company failed to secure the funds and so after we signed at the closing we found out the funds won't be available until Weds. due to an error from the title company 's employee. If something happens to the house, who has possession, this leaves my ex husband and I in a very vulnerable position.
XXXX AND EXPERIAN ARE REFUSING TO REMOVE 2 ACCOUNTS, THE TOTAL TIME FROM DISPUTES EXCEEDED 138DAYS FOR XXXX XXXX XXXX XXXX ACCOUNT FOR {$290.00} AND XXXX XXXX XXXX FOR {$310.00}.
on XXXX/XXXX/XXXX we were asked by the father of a ( supposed ) exchange student to send a money order in the amount of {$1400.00} to his Bank of America Account : account number XXXX in the name of XXXX XXXX. He had given us a bad check for {$3800.00} and had asked us to use his money to buy his daughter a car. Our XXXX bank had said that the check had cleared but it had not. It was a scam to get us to send him our money. We filed a police report # XXXX. Bank of America froze XXXX 's checking account due to fraud and have not returned our money. XXXX also requested that we send a XXXX XXXX XXXX to XXXX in the amount of {$500.00}. I did that. So now Bank of America can reimburse us for the amount of {$1900.00} because his account is frozen due to fraud. Bank of America refuses to talk to us because it involves XXXX 's account and not ours.
XXXX American Express credit cards are the issue : A. Account Ending :XXXX. Account Ending : XXXX. Account Ending XXXX AX never investigated my side of the complaint regarding XXXX. AX even did not review the documents I sent. AX simply just accepted XXXX argument. 
Although I closed the account but AX continues requesting to send them more documents. 
AX did not credit the account with the disputed sum. The day they credit my account AX debited the account the same day. 

B.Account Ending XXXX : A month and a half after filing a dispute I was told that the supplier did not respond and a note will be sent to him. I called again on XXXX/XXXX/2015 to find out that AX lied and the supplier Affordable had sent his answer but AX failed to forward it to me and as a result AX accepted the supplier explanation and closed the dispute without notifying me. In other wards they accepted the supplier explanation without my rebuttal. AX is violating the Fair Credit Act and The Truth in Lending Act at the same time by automatically siding with the supplier although the Card Holder is the one to prevail if AX would review the Card Holder 's explanation of the dispute. 
I am ready to supply all the documents related to my AX XXXX disputes for review by FTC or other government office.