WillisBack/dataset-financial-user-claim huggingface dataset:
Somebody called from XXXX posing as police and threatened to arrest and XXXX despite having XXXX status. Then transfer the call to saying XXXX officer calling from a number listed on XXXX website as toll free number ( XXXX ). They took our all identity information including SSN. Then the posing officer said we were tracked and all our bank passport were frozen now and bank account were frozen. Then he said he talked official in our home country and as our background clear in US he ca n't put us behind bars and the XXXX govt has to do the background check and let them know within 3 days. But to do the background check XXXX govt wanted {$2400.00} as refundable security deposit. We were told to deposit the amount within XXXX hour as office is going to close and only moneygram can make it possible to transfer within XXXX hour. We panicked and did XXXX transfer. After depositing we realized about the fraud and complained to police in XXXX. The complain DC # XXXX. I called moneygram to cancel the transaction ( ref # XXXX ) and report the fraud, but they could not do anything about it as money has been picked up. Please help us to get the money back or bring these criminal people to trial. 
There are many cases like this involving moneygram. They should change their policy in favor of senders.
EQUIFAX CONTINUES TO NOT FOLLOW THE GUIDELINES SET FORTH BY THE FEDERAL GOVERNMENT IN ACCORDANCE HOW INFORMATION IS REPORTED UNDER THE FCRA/FDCPA/NCFDCPA/ DODD FRANK ACT. EQUIFAX STATED ON XXXX DIFFERENT DISPUTES WITH XXXX XXXX XXXX XXXX STATING THAT THE INFORMATION BELONGED TO MY CONSUMER CREDIT FILE AND ALL INFORMATION WAS VERFIED AS MY ORIGINAL DISPUTE STATED THAT THE INFORMATION WAS NOT BELONGING TO ME. IN XXXX XXXX THE FEDERAL TRADE COMMISION SENT FORWARDED DOCUMENTS TO EQUIFAX FRAUD DEPT TO HAVE THEM REMOVE ANY INQUIRIES AND ACCOUNT INFORMATION FROM REPORTING TO MY FILE FOR FRAUDLENT ACTIVITY AND VIOLATIONS UNDER FCRA. THE INFORMATION WAS REMOVED AND XXXX REPORTED BACK TO MY FILE XX/XX/XXXX. ON XXXX XXXX XXXX LOCAL LAW ENFORCEMENT LAUNCHED AN INVESTIGATION AT THE LOCAL BRANCH AFTER RECIEVING INFORMATION THAT THE ACCOUNTS THAT ARE ON MY CREDIT FILE ARE NOT THE ACCOUNTS THAT ARE IN XXXX XXXX CR REPORTING SYSTEM. AFTER SEVERAL INTERVIEWS AND STATEMENTS FROM XXXX XXXX EMPLOYEES EVEN IN THERE COLLECTION DEPT THE ACCOUNT NUMBERS ON MY CREDIT REPORT ARE NOT IN THERE SYSTEM. LAW ENFORCEMENT FILED A CRIMINAL REPORT AGAINST XXXX XXXX FOR COMMITING FRAUD BY WIRE AND COMPUTER CRIMES OF IDENTITY THEFT. IF EQUIFAX HAD DONE AN INVESTIGATION AND VERFIED THE ACCOUNTS AFTER EQUIFAX STATED IT DID ON SEVERAL OCCASIONS THEY WOULD HAD SEEN THAT THE ACCOUNT NUMBERS DID N'T BELONG TO ME. ALSO ON SEVERAL PHONE CONVERSATIONS WITH XXXX XXXX WHICH SHE STATED SHE PERSONALLY VERIFIED. ITS CLEAR TO SEE THAT SHE DIDNT DO SO AS IF SHE DID IT WOULD NOT HAD BEEN VERIFIED AS BEING CORRECT THIS SHOWS BY PREPONDERANCE OF EVIDENCE THAT WHAT WAS BEING TOLD TO ME WAS BLATANTLY UNTRUE AND A DIRECT CASE OF WHAT I HAVE BEEN TELLING REGULATORY AGENCIES THIS ENTIRE TIME THAT IT HAS NOT BEEN ANY PROPER INVESTIGATIONS OR EVEN REASONABLE ONES. EVERY TIME THAT I ASKED HER TO GIVE THESE CREDITORS A CALLED AS THE INFORMATION WAS CONFLICTING I WAS TOLD BY XXXX XXXX XXXX THAT SHE WILL NOT TAKE THE TIME TO CALL THEM TO GET THE CORRECT INFORMATION. WHICH I COULDNT UNDERSTAND SINCE THE REGULAR AVENUES OF EQUIFAX COULDNT ASSIST AT THE TIME. AND SHE HAD ALL THE RESOURCES TO RECTIFY THE PROBLEM. I INCLUDED A COPY OF THE INVESTIGATION RESULTS SENT TO ME ON XXXX/XXXX/XXXX OUTLINED IN PINK TO SHOW THOSE ACCOUNTS.
I would like to talk to someone about my lender, XXXX XXXX. Who has n't been answering my phone calls and gave me a false rate on my mortgage.
I have requested to have an unfamiliar debt verified. I did not receive any validiation, i.e. signature, contract, copy of ID. 

on XX/XX/18 I mailed a certified request of validation. I received a letter from them and they just verified my name and " total balance due ''
I had a promotional balance that expired XXXX/XXXX/2015. The XXXX/XXXX/2015 statement balance was XXXX. I paid the full statement balance in XXXX XXXX and XXXX. Barclays did not apply the payments to the promotional rate and instead applied it to charges that were made after the statement generation date and not do an payable until the next statement generated. I was charged XXXX in interest on XXXX XXXX XXXX. I was told they were allowed to apply my payment to charges made after the statement generation date and not to the promotional balance which was paid in full XXXX times prior to expiration. I am also forbidden from " pre-paying '' charges until the next statement. It is a trap designed so that I can never pay off the promo balance.
I do not get paid until of each month. Beginning last month, I called Capital One and ask if there was any way that they could assist me in a payment plan, The answer was no there is nothing they can do to help me. Now I have a car financed with Capital One in which I owe about XXXX more payments until it is paid in full. Because of the lack of support that I have received as a result of paying this credit card makes me rethink my decision of ever getting a car financed or a credit card through CAPITAL ONE with the lack of support that I received. I was forced to close my accout
I have sent you several complaints regarding EQUIFAX and all I ever get from them are form letters asking me to PAY them for my report when I shouldn't have to. They haven't answered any of my questions and frankly neither has your department. All you seem to do is pass on my complaint to them without investigating why no action has been taken. The government bureaus have no teeth nor are any bit concerned with corrective attempts at resolutions. And the Credit Bureaus really don't care either. They pile up record profits selling our personal information with the blessing of the U.S. Government. 
LET 'S JUST FORGET THAT I EVER CONTACTED YOU OR THEM. PERIOD!!!!!
I XXXX XXXX file this claim against a debt collector that on one level may be legitimate as a collection, but is illegal be posted on a credit bureau unless the specified 180-day notice guideline was administered. This guideline established the criteria on when a medical collection can be sent to a collection agency. At no time was I ever given notice by the XXXX XXXX XXXX or CMRE. This is a true Fair Debt Collection Practices Act violation. I have no issue paying the balance not satisfied by medical insurance, and would gladly submit a credit card payment to CMRE for the remaining balance. However, a violation was procured and the only remedy is for the removal of the collection from all credit bureaus permanently. I will honor a payout in full if it 's negotiated that upon constructive receipt of funds that both parties will be satisfied and the illegal collection is permanently removed.
I received loan for my daughter that was cosigned by my parents which my parents paid off. Before they completely paid loan off they had filed bankruptcy and there was only approx. a {$1000.00} balance left to pay off. While filing they agreed to continue to pay the remainder balance which they did now Navient which was previously XXXX XXXX are trying to charge me for the intial loan that has already been paid off. They have received legal documents showing that the loan was paid off and they still refuse to clear my credit report with the false claims they put in my name trying to receive over {$8000.00} for account that was completely paid off. They removed my mothers name from the account and produce an account with my name on it only charging me the whole balance of the initial agreement that was already completely paid off by me and my parents.
The inquiry XXXX/XXXX/16 from XXXX XXXX XXXX XXXX i did not authorize, all i did was call and get a quote for service. I did not not order service or authorize a credit inquiry, or was i told that one would be ran. I have contact XXXX several times asking then to remove it and was told that it would be but it remains! I have all so contacted Equifax and has been told that i ca n't dispute an inquiry and they can not remove it.I did not authorize the inquiry so remove it.
My loan was turned over for servicing to BSI about a year and a half ago and have nothing but problems. First I have always been able to pay my mortgage loan using my bank bill pay for overnight processing which I found out BSI does not have so an actual check needs to be sent so now I have to guess at what amount I should pay since I do n't get their statement until after the time when I need to do the bill pay to get it their by the due date. I have also been trying to get information from customer service regarding when the interest only will end as I believe it will be this year. I called a couple of months ago and the customer service agent said that it would have normally ended in XX/XX/XXXX but that these loans have been extended to XX/XX/XXXX now. Last week I received a letter stating that my interest only ends in XX/XX/XXXX and my statement will most likely increase as is will contain both principal and interest and will be shown on my statement. I still have not received my XX/XX/XXXX statement, I have called 3 times to talk to them about what the actual payment will be and what the interest rate will be. They are not able to help me and have left messages each time to ask to speak to my account rep. Seems he is always busy and I leave messages but still no call back. This is the worse loan servicing company and their customer service agents are useless unless you only want someone to answer the call in person. I agree maybe a class action suit would wake them up!
XXXX XXXX XXXX originally had my mortgage and sold it to Carrington Mortgage Services. Back in XXXX XXXX, I received a letter from Carrington stating they were going to place lender coverage on my property because my HO6 ( condo homeowners insurance ) was cancelled. I spoke with XXXX and they sent over the insurance declaration page, along with a bill to Carrington ( they escrowed for taxes and insurance ). Fast forward, XXXX XXXX I receive another letter from Carrington stating they were going to place lender coverage on my property because my HO6 insurance had been cancelled. I called XXXX to ask why I was receiving this letter when I thought it was taken care of 9 months ago. XXXX stated they sent the bill to Carrington, and it was never paid. On XXXX/XXXX/XXXX I contact Carrington to let them know of their mistake ; and XXXX will not underwrite another policy for me because the property has been uninsured for over 6 months. Basically I am told by companies that I am uninsurable. I tell Carrington supervisor ( XXXX ) to place the lender coverage and reimburse my escrow account the difference ; because the XXXX coverage was {$370.00} annually compared to their coverage of {$800.00} annually. He tells me he needs to research this, and will give me a call back. On XXXX/XXXX/XXXX, I finally receive a call back from Carrington, stating they will need to further research, but I will need to find a company to place coverage, and than they will look into reimbursement. I let Carrington supervisor ( XXXX ) know that is impossible because I am considered uninsurable now, and they need to fix their mistake, and I will be reporting them. She lets me know that she will inform department about my dilemma, do some additional research, and get back to me. Meanwhile, my condominium ( which is a rental property ) has been uninsured since XXXX XXXX, and there is no resolution in sight.
Company is calling my client and threatening to serve her with a non-existent lawsuit. Gave a fake " case no. '' to imply litigation was filed when it was not. Will not disclose loan details or provide verification of the debt pursuant to the FDCPA and is making illegal third party contacts by calling and harassing friends and family. Is threatening and rude and engages in deceptive practices. Pretends to be lawyers or a law firm - they are not.
I am currently disputing this account and transunion recently completed their investigation and deleted it of my report. I am waiting for XXXX and XXXX to finish their reinvestigation because the balance is incorrect. It has been deleted on all XXXX of my reports but XXXX and XXXX are not done with their investigation. 

Here is the full story : This collection agency company is very unprofessional and are scammers. They bought my old XXXX retail account when my account was closed because i was unemployed. My XXXX account was opened on XXXX XXXX, XXXX and closed on XXXX XXXX, XXXX. My credit limit was {$2700.00} dollars and my ending balance was {$2400.00} dollars. My last payment date through XXXX was in the amount of {$20.00} dollars on XXXX XXXX, XXXX. Midland bought this account XXXX XXXX and first reported it to the credit bureaus on XX/XX/XXXX. I received couple of calls from midland around XX/XX/XXXX when they purchased it informing me that they are now the new owners of this account and to set up a payment plan to prevent them from reporting it on my credit report but i couldnt do it because i was still unemployed. The charge off amount was {$2400.00} dollars. Fast forward to XXXX XXXX when i contacted Midland funding to try and settle this account and things became a nightmare. I asked them if i could pay the entire debt amount in exchange for a deletion and was informed that they do not do that which was find. At first, they offered me XXXX % and when i called for payment couple of days later i was told that the offer no longer existed and i must pay the full amount or set up payment to prevent a lawsuit. I asked them to send me a debt validation letter since I had moved out and have not received any letters from them. When I received the letter, it was very brief and they increased my balance up to {$2800.00} dollars. On the same letter which i still have, Midland funding stated that they have not charged me any interest since the charge off which is strange given the fact that the charge off amount was XXXX dollars. On the next couple of days, whenever i called I always speak to a different representative who tells me a different story. They would tell me how they have a offer for that day only and to make a payment and when i asked for a mail stating the new terms before i can make any payments, they become rude. I disputed the balance through their consumer department and when i spoke to someone in that department, she actually asked me to tell her my original balance. In other words, they illegally increased my balance and have no record of my original data. I have no problem paying for what i owned but i have a problem with how Midland funding is so dishonest and unprofessional. Their representatives need more training when it comes to dealing with the public.
I continue to be harassed by XXXX XXXX. They are still attempting to collect a debt ( shown as open collection on my report ) despite numerous disputes. At last they sold the account to XXXX, XXXX XXXX XXXX XXXX when they/I requested information to prove the collections was legitimate the recalled the account from XXXX, XXXX XXXX. instead of providing proof. The account was closed by XXXX XXXX XXXX, 2006 after I paid a court mandated judgment. Somehow XXXX had reopened the account and I paid on the so called debt further due to the harassment. I have contacted XXXX both in letter and by phone, notified all credit agencies and the " collection '' still shows active on my report. Please let me know how this can be removed once and for all ... .I do not owe this debt!?
I was making payments to this company in relations to my student debt and I had found out that this company I had been paying has not been putting it into my loans. 
I got a call from XXXX, my primary student loan provider, and it came to my attention that there was no payments being made to my loans.
I have had several problems with shellpoint mortgage servicing as you probably hear from consumers on a daily basis since it is the WORST Mortgage company ever for customer service. I have been getting foreclosure letters from Shellpoint and are working with NCHFA ( XXXX housing finance agency ) to get assistance ( medical/decrease in work hardship ) however time is running out and I requested last week ( via shellpoint rep XXXX XXXX ) to know what is my balance and he said that he did not know as they were going to have to order a copy of the Attorneys fees and charges even though my loan has no official " projected foreclosure sale date '' as I was told by this customer service rep. and that it would take 24 hours to fax me a copy of the attorneys fees to my fax machine at my desk ( XXXX XXXX ). Today makes 4 days and the copy of the attorneys fees has not shown up so I called the " only '' number for Shellpoint ( I reached loss mitigation dept. ) and a representative said she was connecting me to the foreclosure dept in XXXX, and some Rude Rep answered the phone, did not say his name, did not identify he was working for shellpoint servicing and said he did understand what I was requesting and asked me to repeat myself, when I repeated myself he said " you know what hold on and hung up the phone on me '' Outrageous customer service!!! I called back to the only number shellpoint has and spoke to one of the reps who keeps trying to get me to speak to another Rep in loss mitigation ( XXXX XXXX ), and I told her I DO NOT want to speak to XXXX XXXX ( this company acts as though XXXX XXXX is the only person working for Shellpoint ) and if I waited for XXXX XXXX to return any of my calls I would be in full foreclosure from waiting. I asked to speak to someone in charge and/or to connect me to the foreclosure dept and the rep just keeps trying to get me to speak to XXXX XXXX, so I ended the call. So in getting the run around from this company, time is running out and it appears that I am being forced into foreclosure sale, which is what I believe this company keeps acting like they want me to do because they keep stalling, please assist me in getting the total cost needed to bring my account current. Thankyou
Disputed inaccurate bankruptcy information and XXXX refused to dispute information through contacting the court house. I would like this inaccurate information deleted. 
Thanks
There is an account reporting on my credit report that does not belong to me. Resulted from identity theft. Police report filed with XXXX PD report id # XXXX
On XXXX XXXX I received checks from what I later learned was someone impersonating a person representing a foreign production company. I deposited the checks and because I was wary of them, asked the bank if they checked them. I was told a check was made that it was an account and that there was money. So when I saw the money available in my account I used it at the instructions of the supposed company that had sent it. Then on XX/XX/XXXX, I had suspicions about the company. I went to the police, who said until there was an actual crime they could not do anything. I tried calling Wells Fargo and XXXX XXXX is where I was instructed to send some funds. Neguard to bad checkseither bank had much interest in doing anything about my complaint yet. Then on XX/XX/XXXX the money was taken out of my accounts because the checks were bad. I went to a Wells Fargo branch- I was out of town working- to try and find out what I can do. The branch told me they don't actually check on the checks as they are deposited. So because I have a good account, they show the money in my account knowing they can take it back if it's bad. Using the customer as safeguard.
Today I tried to get my free copies of my Credit Reports from the three Credit Bureaus but lately I have not been able too. I am becoming very upset as to why I can not obtain these reports. It seems when someone else inquires they are able to receive the information I seek, but I can not. I have reason to believe there is something reported that they do not want me to see. I would like a copy of my free Annual credit report ASAP.
On  XX/XX/XXXX , I spoke with a man from Fedloan who told me I could consolidate my husband and I 's loans by filling out a single IDR plan request form. He told me our payments would each be  XX/XX/XXXX  dollars a month. He told me exactly how to fill out the form and said only one form was needed to cover both of us, and this would consolidate our loans together. I filled out the form and mailed it to them. They acknowledged they received it when I called over a month later. They said it was being processed. After no word, and noticing my husbands monthly payment shooting up to almost 300 dollars, I called Fedloan again and was told they stopped allowing married borrows to consolidate years ago. This was completely contrary to what the other representative told me. They said, I needed to resubmit an application and so did my husband. We each did this. This was on  XX/XX/XXXX . On  XX/XX/XXXX  we resubmitted yet ANOTHER IDR request form because I contacted Fedloan again ( again, since they had not gotten in touch with me and we were getting notices our payments were past due ) I called a representative who told me my husband could fill out a consolidation request form on studentloans.gov, which he did as well as submitting the proper paper documentation. I asked him what to do about my husbands overdue account which was past due. He told me no problem, there would be no penalty if we just instantly filled out and scanned a general forbearance request to cover the payment until the IDR/consolidation request was processed. We filled out and submitted/scanned AND mailed this form that very day. On  XX/XX/XXXX  Fedloan wrote my husband and told him his account was 21 days past due and " he had options, such as applying for forbearance ''. We had JUST submitted the request the day prior. We are concerned because we know we lose our rights after 30 days but we have been getting the runaround from Fedloan since early  XXXX  and every representative gives us a different story. Our credit score has been stellar but I 'm afraid of Fedloan ruining it. I contacted them again today to remind them of our  XX/XX/XXXX  forbearance request form and how they evidently ignored it since they wrote us a warning of a past due payment the day AFTER this form was submitted electronically.
I applied for Avant Credit Card around XX/XX/2018 and I was approved. I called Avant to add mailing address and I was told they can't mail to US PO Box so fast forward two months later I still never revived the card at my physical address. I finally called to cancel the credit card. My understand under the US Patriot act credit card companies are required to have verified physical address on file when a customer applies for a loan or credit card however customers can use a US Post Office Box as mailing address. Avant is only company in the country that does not mail to US PO Boxes and I feel they should not be allowed to offer credit cards to any customers at all till they update their ridiculous policy and allow mail to go US PO Boxes. I will never do business again with Avant I just want to offer my feedback to warn other customers.