WillisBack/dataset-financial-user-claim huggingface dataset:
I live in Italy with my American military husband. I 'm not working because of this situation. The situation that I have is that in  XXXX  I communicate with the Santander Santander for a lost mitigation why I was left without the income of unemployment to complete the payment of my mortgage. I had the apartment rented. They proposed a shortsales for my tenants. But they did not accept. The difference in the payment of my mortgage with the rent was more than 300 . Plus the condo was asking for a spill for {$1400.00} upgrades. Then the bank proposed to me voluntarily. He asked my husband and mine for statements. Forms, evidence of non-payment student loan and my capitulations to process the grant. I fulfilled all your demands. Then they made me break contract with the tenant. And make them evict the apartment. After the process was completed, I was required to pay attorney fees for the grant. I reminded them that I have no income and that I have capitulations with my husband. Then I demanded original capitulations what I could not send because then I could not recover them. The lawyer who made them no longer lives in PR and can not do anything for me. The bank was harassed because it saw my husband 's income on the statement. I asked them to stop harassing and they closed the case for voluntary giving after I fulfilled all their requirements. They demand the original capitulations. They did not accept their certification or the affidavit that the Italian lawyer offered them. They only want to damage credit.
The tenants moved. The apartment was empty since I do not have the income of them. I have a chapter   XXXX   bankruptcy in  XX/XX/XXXX . The bank hurt my person when what I asked for was help to lower the payment. The keys were sent to the bank by mail in a certified manner   XXXX   XXXX    XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account number  XXXX  Santander Loss Mitigation Specialist Santander Puerto Rico Ave.   XXXX   XXXX     XXXX   XXXX   XXXX  , Puerto Rico  XXXX  Tel :   XXXX   XXXX   XXXX   XXXX   Ext.  XXXX  Fax :   XXXX   XXXX   XXXX   XXXX   e-mail  XXXX
I opened B of A credit card and within a month I got unauthorized charges. My replacement card that was overnighted to me on XXXX was showing as received at my XXXX XXXX address. However, was never received by me at my address. Apparently it was activated from a phone other than mine using my security questions. Which means it had to be activated by a B of A employee. Within a day there 's been almost a thousand dollars of unauthorized charges.
I sent in information to show I got married AND changed my first name to you and XXXX. You both sent me back something and needed more information and I mailed that back weeks ago. XXXX has my correct name now. You do not. Please get this changed so I can apply for a credit card with my legal name on it and get approved.
My Discover card company filed a dispute chargeback in XX/XX/XXXX. There was fraudulent activity on my account and the issue was resolved in my favor however the chargeback was reported to all the credit bureaus and my score dropped 40 points as a result thereof. 

I called Discover card immediately upon finding this out in XX/XX/XXXX. Discover said that they sent a letter requesting for that to be removed to all 3 credit bureaus. I see that my score is still not reflecting this correction. 

How do I get this removed? Discover has sent another letter today and said all three bureaus should be receiving it within 24 hours. Please advise.
According to my recent credit report request from XXXX, XXXX, Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT
They have placed negative items on Credit Report. I have asked them to send me a invoice for these debts. They refuse to send me a invoice. My insurance said if they have a invoice they will pay it. They continue to call me. I have told them I wo n't pay it without a invoice. This item is over 7 years old.But because I do n't have a invoice I can not tell for sure.
I have attempted several times to rectify my issue with XXXX and XXXX regarding a collection account that is showing open from collection agency AD ASTRA account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with XXXX and XXXX and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.
Standard Mortgage Corporation XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, LA XXXX Original contact date was XXXX XXXX, XXXX to set up an arrangement to have house appraised to lift Private Mortgage Insurance should it appraise at a pre-determined amount. Early XX/XX/XXXX would have been the 2-year mark of ownership, allowing eligibility for the appraisal according to their terms. They said I was eligible for appraisal in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, 4 emails were sent and about 7 phone calls. All calls except for one were eventually routed to random voicemails, where several voicemails were left with no returns. One call on XX/XX/XXXX was received by Customer Service, whom routed me to an agent that again just landed on voicemail. 

Absolute and complete avoidance of me wanting to work on paying the needless, draining costs of PMI every month.
i see that a loan was placed on my credit that i did not apply for or get funds for i have no acknowledge of this account or funds i did not apply nor authorize.
On my XXXX XXXX account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue. thank you
I have submitted a complaint with the annualcreditreport.com website but have not heard back. I have on several occasions since XX/XX/XXXX attempted to get my credit reports from that website but every time each of these sites say that they are " unable to provide my credit report, and to submit requests by mail '' with multiple different documentation at my own expense. I have not been able to get my credit report from Experian or XXXX in over 3yrs and have not seen my XXXX in over a yr. How can I know if my identy has been stolen if these companies prevent me from checking my information, and how can it be a " free report '' if I have to spend money to copy/print and mail additional information at my own expense?
All of the companies involved with this debt have numerous complaints against them for dishonest and illegal practices. XXXX XXXX XXXX and XXXX XXXX of Oklahoma, both violate consumer rights non stop. I filed a complaint against XXXX yesterday and in less than 24 hours they dismissed my complaint and closed it out. Their response was full of inaccurate information. 
Again, they have refused to provide my consumer disclosure file, ANY proof of debt validation or any other information as they are required to do in accordance with federal law. They have also refused to show proof that they are legally able to pursue this debt in the state of Oklahoma, especially considering they have admitted that they are not the original debt collector. 
In their response, they are trying to play games and say that my speculation from where this debt came from is completely false. There again, they have NEVER provided any proof or actual bill from the original source. They are now claiming that this is from XXXX XXXX XXXX, which I have NEVER been a patient at and is located in XXXX, Ok, NOT XXXX, Ok. The information on my credit file, indicates this is from sometime in XX/XX/2013. XXXX XXXX XXXX was struck by a tornado in XX/XX/2013 and completely torn down by XX/XX/2013. This is a verifiable fact, just like the fact, that I have NEVER been a registered patient at XXXX XXXX XXXX. Another verifiable fact, when one does a simple search for XXXX XXXX of Oklahoma, there are literally thousands of consumer complaints, where they have done the exact same thing to many other people, NEVER billing them, and multiple examples where they attempted to commit insurance fraud and were caught.
I have written to Statebridge Compnay at least four times pointing out that they are inaccurately reporting late payment and past due information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing that they are reporting XXXX pays due on the payment status line and in the 24 month pay history ( XXXX days past due on XXXX. ) Additionally, you can see that they are also reporting different past amounts. This can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help.
I sent {$1000.00} to my cousin XXXX XXXX in XXXX through Moneygram reference number XXXX. Half of the money was to be used to take my aunt to the hospital and half for my clothes. He attempted to pick the money up on XX/XX/18 at XXXX XXXX ( XXXX XXXX ) and was told that the reference number was wrong. He then called me to get the right reference number. After that, he went back to the same bank to get the money and was told that the money has been received. He explained to them that he did not pick the money but they kept telling him that the system shows that the money has been picked. He called me and informed me about. I called Moneygram and reported the case. Moneygram has refused to disclosed proof of payment ( the location where the money was picked and by whom ). Moneygram said they are investigating the case and it will take up to 90days.
About 6 months ago I received an alert that my credit was accessed by a company called  XXXX   XXXX . I had never heard of them before and i did not initiate any business with them so i called the bureaus to have the fraudulent inquiry removed from my credit. I also found the company online and saw there were no such banks in my area, I live in CA. I had been a victim of Identity theft in the past so i updated the police report to show the inquiry.     In  XXXX  of  2017 , i noticed another inquiry on my Equifax credit report and a account. I was told i needed to file a police report with the account number. I did and the account was removed in  XXXX . Now the account has been re inserted to my credit as well as another inquiry from another company. I thought i had a freeze on my credit and apparently that is not the case.     Remove Fraudulent Account  XXXX  Remove Inquires  XXXX   XXXX   XXXX   XXXX / XXXX / 2017  / XXXX /17
My personal data has been breached in the recent XXXX incident as confirmed by equifax. 

There does n't appear to be any recourse.
Equifax ha s disabled the ir online dispute system and provided a phone number to call in its place that is only for ordering a credit report.
I called XXXX to cancel my XXXX XXXX rewards credit card before the first anniversary, to avoid an annual fee and was told that they would not cancel the card and worse that they would still be charging me an annual fee ( even if they let me cancel ). I politely asked if the {$59.00} fee would be refunded as I was not using the card past the first year and I was told they would not do so.
i am a victim of identity theft. I have had these items removed 2 times and the bureaus keep reinserting them the companies are transferring them back and fourth to each other and the bureaus are putting them back. Also i asked for fraud alerts to be removed for a short amount of time in writing and they havent done so.
XXXX, Capital One ( XXXX accounts ), XXXX XXXX are not reporting my payments. I have attached statements
Mortgage was paid off several years ago, Originated with GMAC and transferred/sold to Ocwen, all XXXX # 's from GMAC are answered by Ocwen and they can not find the mortgage based on the GMAC loan number or the FHA Loan number. This property is being probated, I am the court appointed administrator of the estate trying to clear the estate. GMAC/Ocwen is in violation of Arizona Revised Statutes requiring a release to be recorded within 30 days of its satisfaction. I am asking for your assistance to get some where with Ocwen, their reputation supercedes their name is lousy servicing and this is another example of Ocwen 's blatant disregard to consumer rights and Arizona State Law/Statutes
The debt collections person called me and yelled at me telling me that I am a terrible person and that she did n't have to treat me politely and respectfully, because I owe money. She repeatedly harassed me telling me that she 's here to collect a debt from a person who is less than honest and not worthy of respect and that I should just shut up and pay the money. 

After 20min of asking her to please be polite and treat me with respect she told me that she was n't interested in treating me right and had the right to treat me like I am beneath her. She would n't refer me to a supervisor until I repeatedly asked her again and again and after she finally referred me over she muttered several expletives as she hung up.
This was XXXX that was ordered by the Doctor. XXXX refused the test for XXXX. It had been ruled no longer covered by XXXX. XXXX said I was not responsible since it was a new ruling and that the Doctor and I were not aware it was no longer covered. My supplemental insurance did not pay since XXXX did not. The test for XXXX was a small portion of the testing and of the bill that was paid. The test for XXXX XXXX was ordered because of XXXX
after my sudden discharge for the XXXX XX/XX/XXXXMyself and Family did experience a long period of homelessness. In XX/XX/XXXX filed my income Tax for the year and learned it was Taken by the XXXX XXXX without explanation. I did pursue and completed the forms to get the information this is when I discovered That XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), had claimed all my moneys for Non-Tax Federal Debt. I took the necessary steps with the IRS XXXX to find out why. In approx. 30 day I received a Notice From XXXX Their intent to file for payments under the XXXX XXXX. This was after they had already taken action and had made no attempt to contact me in any form. I did acknowledge that I did owe the amount of XXXX. The Dept of the Treasury did send me notice that Four ( 4 ) Different payments were made to them ( Refer to attached ). So the IRS Did pay to XXXX XXXX XX/XX/XXXXand XXXXXX/XX/XXXX of which only XXXX was owed. I have called and sent letters of dispute to XXXX and their XXXX XXXX XXXX which is part of XXXX several times and the amount owed keeps getting more and not corrected. I even pointed out the accounting Errors of where the totaled owed had XXXX accounts already accounted for added back in. I did receive from them an accounting on my account which reflect XXXX unaccounted for. I did send a letter explaining their mistakes and the form from IRS XXXX Reflecting the amounts. They did a investigation and will not change the fact they did receive the moneys, clearing up my account removing the False information from my credit report and to stop further collection actions. They have received an over payment of {$4100.00} and still want another {$2300.00}. This account paid in fullXX/XX/XXXX and all interest charges are false, and do not apply. I would like my over-payment of {$4100.00} returned and credit cleared along with a letter directing IRS XXXX XXXX to cease collections.
I was unemployed in XX/XX/XXXX and my checking account with Wells Fargo went negative {$500.00}. I recvd a settlement ck XX/XX/XXXX went to Wells Fargo to correct my account but was told it could not be done. I had to open a new account. I asked to pay off the negative balance on my original account but was told " no, that can wait, pay us when you can ''. I have received no requests to date for the debt owed. On XXXX XXXX the money was taken from my account without authorization. No phone calls, no letters, just taken. My new account is now negative and they have returned checks from my utility payments. I
Today XX/XX/XXXX a debt collector agency contacted my family members and told them for which company they worked, and how much was owed on my account. I am unsure all the details but they called my family in looking for me with a number I was given XXXX which said they were American Express and the amount they stated was actually above the balance owed.
I signed up for a " free '' credit report via the XXXXXXXXXXXX. 
which cost {$1.00}. Then about a week later I noticed {$39.00} had been withdrawn from my checking account without my permission or notification. I called the number which showed on my bank account. XXXX to try to get the charges reversed. I was told there was nothing I could do about it. I was given another number to call XXXX = Experian called numerous times no answer. There was noinformation on the form I completed for the report that indicated I had to become a member within a certain amount of time. Apparently they used my debitdata to take the liberty to enroll me without my permission. I 'm asking for my {$39.00} to be refunded. I 'm on a fixed income ca n't afford nor do I need a credit reportmembership. 
XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXXXXXX
I have deposited XXXX euros into my coinbase account on XX/XX/XXXX through wire transfer and it is still nowhere to be seen. My bank has verified that the amount has already been sent. Coinbase had a guarantee that I will receive my funds within 3-5 business days, which is obviously not being fulfilled right now.I have tried contacting them through email inquiries on XX/XX/XXXXand XX/XX/XXXX, of which I was promised a reply within 24 hours, which was again not fulfilled. I finally did head back from Coinbase on XX/XX/XXXX, but the reply only included generic troubleshooting to ensure my wire transfer does not have incorrect detail, and also notice that my case was escalated to a "specialist". I have replied to this email, providing further details and proof of transfer, but have yet to hear back from Coinbase despite multiple follow-ups.
I received at least 1 XXXX XXXX MasterCard (Barclay issued a card with one number XXXX XXXX XXXX XXXX)) that I never applied for. I then received a statement from XXXX   XXXX MasterCard (different account number XXXX XXXX XXXX XXXX) with a balance of $XXXX apparently charging me for expedited delivery (which I did not receive) of the card I did not request!! I have been trying for the last day (XX/XX/XXXX-XX/XX/18) to reach anyone at XXXX XXXX MasterCard to rectify the matter (close the account(s) and remove the fee). They are apparently having some issue with their computer system and cannot access my account (an actual human being told me this) and therefore they have not been able to address this matter. My only prior contact with XXXX XXXX was purchase of a ticket for airline travel that I never completed earlier this year. I find it utterly unacceptable that first, this company does not protect its data such that credit cards are fraudulently issued (perhaps more than one) and second they do not provide a means of addressing these matters immediately even if their computer system is having issues.
On XX/XX/XXXX I went on a run and lost my phone which has my bank account app on it, which in turn has XXXX built into the bank app. I was able to retrieve my phone on XX/XX/XXXX, however, I found someone had authorized a XXXX transaction on XX/XX/XXXX within my bank app of {$360.00}. The payment was sent to an email that I have tried to contact with no response. I filed a complaint with my bank and have been denied. This was not an authorized transaction whatsoever and would appreciate my money back. XXXX is a great tool for family and friends, but unfortunately, I have now learned it's a great tool for thieves as well.
I have a checking and other accounts with USAA Bank ; much to my surprise and dismay, on Monday, XXXX XXXX, when I logged on to their internet site, I could view my daughter and her husband 's checking account information. Not only could I view their financial information but I could also perform transactions. This breach of security is disappointing in an institution which I had previously trusted. I have attempted to resolve this problem with USAA but have not received a satisfactory explanation or apology.
on XX/XX/XXXX my wife and i totaled our car my insurance adjuster tried for 2 weeks to get a response so he could send a payment out. in the mean time he mailed a check made out to us and wells fargo to try and get a response in the meantime i was called every day asking for payment. they received a check on XX/XX/XXXX for XXXX dollars, i know that because i was told that, my insurance adjuster XXXX ( XXXX ) for XXXX XXXX XXXX notified me that the check had cleared their bank on XX/XX/XXXX. and he mailed them out the balance after i talked to the office of the president. he finally got to talk to someone who promised to send him a letter of gaurantee for the title but they sent him the wrong information, they finally fixed that and sent the right information, when he contacted them on the XXXX XXXX from the presidents office said they never received the check and that he was wrong. now i just talked to them and was told they did receive that check but not sure the date and it would take several weeks to credit my account, in the meantime they should have received the second check, but nobody knows, i have gap insurance but cant start it without a copy of the last check.in the mean time they are charging XXXX dollars a day interest to my account and destroying my credit,