WillisBack/dataset-financial-user-claim huggingface dataset:
The credit bureaus XXXX, XXXX, and Equifax are acting as an accomplice with the banks fraudulent activity as I have reported that XXXX XXXX failed to address fraudulent activity I submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. This is illegal. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). The information reported to the credit bureaus is fraudulent. As permitted by law, I have rescinded my signature from the original application due to fraudulent activity. Attached is an sworn under oath un-rebutted Affidavit as reference. XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result the account listed with XXXX XXXX is null and void. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.
I have been a member of Pentagon Federal Credit Union since 2011. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. Around XXXX, 2015 I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being DEASED. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a zero balance.
I found a medical debt on my credit-I reached out the collection company and requested a validation of the debt- The collection company sends me a a two page letter back telling me where the debt was from and that they tired to bill my insurance 8 months after the debt occurred. No documentation that I signed anything and this bill is due to a emergency room visit, but the company doesn't tell me which hospital I have requested this information three times-but I don't get really any information. My concern is that this debt is not mine and is due to fraud-I 'm a XXXX XXXX and between the years of XX/XX/XXXX-XX/XX/XXXX, I had an ex-employee use my info as hers. 
At this point-This company can't follow the simply validation process and is putting a collection on my credit that is doing a lot of damage. Why am I required to pay a bill ( so they can delete it off my credit ) if I don't even know which hospital I apparently went to.
Paid off my XXXX internet bill 2 years ago and just started receiving bills saying I still owe for service and havent returned devices. Bill comes to XXXX. Bill was paid 2 years ago in cash. Device was returned.
I told the employee of Checkngo that I wanted to pay off and take out the loan again. She took my money and said oh your on the cool off you have to wait 8days. I told her that was all of my money if I could n't take another loan why did n't I get to do the extended loan when you take the last loan and split it into 5 payments and she said I did n't ask. I spoke to the manager also and she said I should 've asked and they do n't know until the end of the process. I got the extension before and the employee looked at me like I should not have known about that. I feel the way they are acting like its a secret is because they are taught to not give this extension to customers by all means. I needed that extension because I 'm left with no money and I have XXXX kids to feed ; they need to be fined or something because the state of Indiana came up with them implementing this extension for a reason and they are trying to play on a customers responsibility saying they ca n't keep up with the numbers of loans and they do n't know until the end of a transaction. This happened Friday and they have n't contacted me yet and they really do n't have a resolution contact ; the manager and the other employees are friends so nothing will get resolved at that level. They just gave first names did n't want to give last names or employee numbers so I know they were trying to be slick. Please help me.
AMERICAN EXPRESS PUT ME INTO A PENALTY APR OF OVER 26 PERCENT AFTER BEING WITH THEM FOR OVER 20 YEARS. I CALLED ON SEVERAL OCCASIONS AND EXPLAINED I WOULD CATCH UP ON MY BILL WHICH WENT " LATE '' SOMETIME IN XXXX XXXX. I HAD A DEATH IN THE FAMILYXXXX AND IT REALLY TOOK A TOLL ON ALL OF US ... I MADE GOOD ON MY PROMISE AS AN AMERICAN CITIZEN TO AMERICAN EXPRESS. I HONORED MY PROMISE AND PAID XXXX ON THE DEBT SOME TIME IN XXXX XXXX. HOWEVER, DUE TO XXXX. I MADE AN ERROR AND AGAIN HAD A LATE PAYMENT IN XXXX XXXX -- BY 24 HRS. AMERICAN EXPRESS DID FORGIVE THE LATE FEES. HOWEVER, BECAUSE OF THE LATENESS IN XXXX XXXX THE PENALTY APR STUCK TO THE TUNE OF OVER XXXX A MONTH IN INTEREST. AMERICAN EXPRESS SAYS THAT THEY JUST ADJUSTED MY APR " GRACIOUSLY '' BACK TO XXXX ( XXXX ) PERCENT AS OF TODAY --. BUT THE DAMAGE IS DONE. YES. I WAS LATE IN XXXX XXXX BY 24 HOURS ON A PAYMENT -- BUT MY FEELING IS THAT WHEN I MADE THE LUMP SUM PAYMENT IN XXXX XXXX I HONORED MY COMMITMENT AND I SHOULD HAVE BEEN REMOVED FROM THE NOW {$400.00} IN PENALTY FEES / APR INTEREST AT THE RATE OF XXXX PER EACH MONTH XXXX XXXX AND XXXX XXXX. NOT SO SAYS AMERICAN EXPRESS -- THEY SAY THAT ANY LATE PAYMENT PUTS A CONSUMER INTO PENALTY APR FOR 12 MONTHS. HOW NICE ... ..SO IF MOST CONSUMERS HAVE ABOUT XXXX IN CREDIT CARD DEBT, THAT MEANS XXXX LATE PAYMENT TO AMEX CREATES XXXX {$2400.00} IN INTEREST FEES. {$2400.00} AT THE RATE OF XXXX PER MONTH X 12 MONTHS. THIS IS NOT AMERICAN -- AS IN AMERICAN EXPRESS -- -THIS IS PREDATORY.
Hi - I am dealing with Greentree Mortgage Servicing trying to get a loan modification/deed in lieu since XXXX 2014. I have had them call me numerous times and rather than assist me, they have hung up on me when I answer the phone. I was have been sent several contradictory papers which are all very confusing. When I try to call of course my phone is traced and I go directly to the collections department and I am yelled at and hung up on. I was recently approved for a loan modification but when I called to get specifics as to how it works I was told I was approved for a 40 year adjustable rate mortgage. I asked why I was not advised of this in the beginning. The gentleman I spoke to never explained why. Several days later I received a call back explaining that was incorrect but this was AFTER the paperwork was supposed to be turned in. 
I did receive new paperwork but it had the same OLD dates on it. I called to verify that I could send in the paperwork. Again, I was only allowed to speak to XXXX my account manager after pleading to speak to someone in loan modification department. He refused to transfer me an assist me. I called back and was told my phone number was tracked. I then borrowed a phone and used it to call one of the extensions I had been left via voice mail in the loan modification department. I never to this day have received a call back. I finally received a call from XXXX and he assured me he would call me back at noon the following day since my cell phone gets no reception at work. He did not call me until XXXX. I then called him on Monday my day off. I am trying to get assistance with my mortgage payment from Green Tree but it seems as though they do not want to help.
Equifax is reporting a payment was past which it was not please see payment history attached and please correct this inaccurate remark Account showing XXXX XXXX
I am a victim of fraud on the part of XXXX XXXX. I believe they targeted me because of my age. On XX/XX/XXXX at XXXX eastern time I called XXXX XXXX as a CD  had just come due. I relocated to Delaware, and so I can no longer visit a local branch in XXXX. I spoke with a woman in customer service in Illinois. Mail I get from XXXX XXXX has a return address of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX. As my holdings are nearing the limit of FDIC insurance, I asked that {$10000.00} be removed from my CD and forwarded by check to my address of record. I asked for the remainder of funds to be renewed as a CD. I am XXXX years old and my son helped me read my account number, and was witness to the transaction. During the week that followed I received a letter dated XX/XX/XXXX thanking me for contacting them and noting that the CD had been renewed for the full amount. My son helped me call at XXXX eastern time on XX/XX/XXXX to notify them of the error and we were told the CD had been renewed and no record of our earlier call existed, and a fine of about {$600.00} would be required to withdraw funds at that time. They noted they had no record of my call on XX/XX/XXXX even though the letter was dated XX/XX/XXXX, thanked me for contacting them, and XX/XX/XXXX ( the date of the letter ), was long before the time limit for altering the account before automatic renewal. I was told that nothing could be done, that the bank would file a complaint on my behalf, but would not necessarily confirm that a complaint had been received. This is fraud - theft through the renewal of an investment instrument contrary to my instructions with a claim that instructions had not been received, when in fact they were acknowledged on the mail I received.
I submitted a previous complaint on XX/XX/18 stating all the previous information : Complaint # XXXX about SPECIALIZED LOAN SERVICING LLC. 

I have asked since XXXX for a postponement to get the review and assistance from the Mortgage company and to work with XXXX XXXX XXXX XXXX. They have been not giving answers and keep saying they can not postpone the foreclosure. This is a false statement according to New Jersey Statute NJSA 2A:17-36. Adjournments of sale of real estate.

NJSA 2A:17-36. Adjournments of sale of real estate provides that a sheriff or other officer selling real estate by virtue of an execution may make two adjournments of the sale, and no more, to any time, not exceeding 14 calendar days for each adjournment. However, a court of competent jurisdiction may, for cause, order further adjournments.

In New Jersey, a Sheriffs sale of a foreclosure property can be adjourned ( fancy for postponed ) twice by the Sheriff at the request of the homeowner for any reason. Each of these adjournment shall be for not more than 14 days. The lender may request an adjournment as many times as it wants without reason. Once the two free adjournments have been exhausted, the homeowner may apply to the Court by Motion for further adjournments provided good cause has been shown to the Court.

For assistance in obtaining an adjournment of a sheriffs sale of a foreclosure home, contact your local Sheriff department or a qualified NJ foreclosure lawyer in New Jersey.

I wanted them to postpone to review my file to see that I can make the mortgage payments and we can come to a solution for the back payments owed. 

I need for them to postpone as I never received documentation on a foreclosure fromt he Sheriffs office and I had the Urban League not do anything in XXXX and this is why I am beyond the 37 days.
Again this nightmare with Citigroup!!! A year ago I am dealing with this stressful situation with this Company! and now they are reporting me with two different collection agencies at the SAME TIME!!! 
I called both and they reject the account because they can see this is crazy! 
One of the agent told me, they can not report me with two agencies at the same time!
Now they have a new one!!! the third agency involved and I contacted the President of Citigroup but NOT cares about this!
The same CLOWN than year ago, was ACTING to help me, when the company close my account because the lady did n't like and do n't understand my accent! 
Sent me a letter again, then a new agency is contact me about some amount I DO NOT own Citigroup! 
It is NOT my fault if employees from this big MONSTER company like Citigroup, do n't have track of customers information, and they are giving the wrong information over the phone! 
Here I am attaching the last letter, I sent again to the President, following recommendations of the agent, in one of the agencies they reported me. 
You can see too, the anwser of XXXX XXXX XXXX and copies of three different agencies I have been report in one year but NOT succes, from XXXX XXXX who is crazy about to make me pay some amount, I DO NOT OWN. 
Please any question, feel free to contac me @ XXXX or XXXXXXXXXXXX. 
Thanks a lot, XXXX XXXX.
There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN XXXX.
I receive repeated calls from Conns every one to two hours a day concerning my monthly payment. I only get paid on the XXXX and XXXX of the month, and have been carrying the load due to reduced income in my home. I have explained this to them numerous time, and yet they continue with rude and abusive questioning trying to get into my personal business. Stating that " my personal business is there business since I have their product ''. I gave them a definite day as to when I will pay them. Yet they have pushed me as far as having to get into further debt by applying for payday loans to stop their threats and harassment in the past, and I refuse to take out anymore loans. I understand that I have signed an agreement, and I intend to pay then XXXX XXXX for my XX/XX/XXXX payment, and will make my XX/XX/XXXX payment. My circumstances are strenuous, but I intend on making it work. I am currently a few days behind for my XX/XX/XXXX payment, and have stressed to them when I will pay. The harassment has gone too far. I have had it with them, and am filing this complaint.
I have a loan amount for XXXX with a CSO fee of XXXX. I have contacted them numerous times to remove the ACH authorization and they are refusing to do so. I am aware that this can go on my credit report and they can pursue collection actions, but I want my ACH authorization removed immediately!
filing a complaint aganist EQUIFAX, illegally let XXXX XXXX obtained a copy of my EQUIFAX CREDIT REPORT, .i did not give equifax permission nor permission ..no letters to authorized no one to go into my credit report, i have not put in an application for a loan or a credit application. 
that is how idenity theft creats in that mannor ... i have a freeze on my information ... 
alert date :XXXX.2017 source : Equifax company : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX said to be used as a result of a loan or credit application.
I have been charged with overdraft and insufficient fund fee of {$34.00} by Chase bank 9 times in 20 days, recently I had enough money in the account to cover for 3 transactions ( {$370.00}, {$100.00} & {$30.00} ) and these transaction took place on Saturday but the bank due to the weekend shows them as pending transactions, I even received a text on my cell that transaction of {$370.00} was submitted to my account on Monday before they made a change.

Then after 3 days on Tuesday morning around 2 am a 4th transaction of {$760.00} hits the bank account and within 6 hours Chase bank rearranges the time and date of transaction and charges me with 4 insufficient fee 's of {$34.00} dollars for every transaction.

This is not the first time they have done this illegal act, in fact in last 4 months chance bank has charged me more than dozen of insufficient fee 's and every time I called to get explaination they denied wrong doing and said they have the right to charge as many fee 's they can.

I took snap shot of my bank account screen just to provide them with a proof of wrong doing but Chase bank representatives refused to even look at proof I
I have been a chase customer for over 10 years. I had 2 credit cards with chase, a Slate card that I had for 10 years and a Sapphire card that I recently received in XX/XX/2018. In XX/XX/2018 I submitted multiple applications for chase cards that I took interest in to help built my credit score and profile. At the time I only had my Chase Slate account reporting on my credit. Shortly after that I found out that Chase cancelled both of my account and when speaking to a representative of chase they told me they cancelled them due to me applying for multiple applications and due to they noticed an increase in spending on my account. I was confused by that comment because my Chase Slate card was paid off and for my Sapphire card I was only spending 17 percent on my credit limit. I found out my Sapphire card was closed when I tried to purchase an educational course and was declined. I really Love chase and I was very happy to be a customer of theirs. I was very sad to see that my accounts were close after 10 years. And due to that my credit profile has really taken a hit.
I called my mortgage servicer and requested to be reviewed for " FHA deletion '' since my home 's equity is now over 20 %. The representative I spoke to on or around XX/XX/XXXX said that he would submit a request ( work order ) for review & consideration. I called my mortgage servicer again a week later to find out the results. The representative said that my loan was not eligible for removal of the mortgage insurance due to investor requirements from XX/XX/XXXX prior to originating my mortgage in XX/XX/XXXX. I asked them to please send a written explanation about why my loan was not eligible. To this date ( XX/XX/XXXX ), I have not received a written explanation for the denial.
I applied for the XXXX XXXX Citibank XXXX XXXX card. I found out I was denied because they couldnt verify my information. I was confused so I called and they told me to call experian. I call experian and experian said there is zero reason to deny me ( XXXX credit score, income of XXXX, and never have missed a payment ). 

I went around and around until I finally got someone who gave me an answer. One person said my address didnt match what was on the credit bureau.. The other person said it was seniority of addresses on the credit bureau. Either way they clearly were just trying to find an excuse since I had zero reason to be denied. I finally talk to a manager and I explained to him I move every 3-6 months for work and can provide every address I have lived at for the last two years and get verification that I am required to move this often for my job. He refused any documentation and said I would not be allowed a credit card unless I have an address in the future that i stay at for a longer period of time. I said that is impossible.. I would have to get a new job and youre now denying me a new job or asking me to submit tax fraud ( by law I have to pay taxes in the state Im currently working in so I have to change my address everytime my company moves me ). I was denied based on my job and not because of income, credit score, or any true factor of it I was eligible for a credit card. I can not change my line of work and offered any verification you needed and they refused it.
I was on XXXX to consolidate my bills. XXXX XXXX was one of the bills. It was closed and paid in full two years ago. It showed as a charge of not once but twice on Transunion two years after it was paid off. I have called several times, been called a liar and hung up on. I worked very hard to pay off my debts and was just getting back on my feet. It is wrong when credit reporting agencies supply in correct info and refuse to correct it.
I called and requested items to be removed and was told they would n't remove them. The inquiries were removed and reinsterted without a notice within 5 days. Called customer service several times and they refused to transfer me to the special handling department in the US. I also can not obtain access to my transunion report because I was told by special handling that there was incorrect information and I was told to call transunion, which I did. I verified all my information, therefore nothing should be incorrect.
XXXX XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Experian assisted XXXX by claiming they investigated this account and refused to remove it. 

I decided to go and do research through the XXXX state ( Texas ) as of XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section XXXX of the Texas XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
This number had been contacting me for some time now. XXXX. The first couple of calls I received the person on the other line seemed to be immediately fishing for personal information. Asking immediatetly for my date of birth to confirm my identity to discuss " personal business. '' I absent mindedly confirmed my birth date. Realizing my mistake, I asked what they were calling in reference to. The person responded by saying they would need to " confirm '' my social security number to give that information. I asked the question again. The woman on the line asked for my social security number. This went back and forth a few times with her getting more and more belligerent. I asked her to remove me from whatever list she had me on. She hung up on me. 

I have received multiple calls from this number and they always go the same way. They demand personal information, namely my social security number, then harass me when I ask why they are calling. Then they hang up on me. 

In these conversations the only information I have been able to gather is that they claim to be from a company called Senex, possibly trying to collect a debt. 

In the course of receiving these calls I 've noticed that the caller, usually a woman, is becoming more and more quick to anger. It 's almost as if she calls specifically to harass me. 

I receive these calls at all hours of the day. I even took one at work, in which she seems particularly upset that I would n't give her my social security number. 

In one call I informed the caller that unless I stopped receiving calls I would file a complaint for harassment. The line promptly went dead. Since then I have been receiving the calls more frequently. Mostly I just ignore them but the occasional one I answer lately is just dead air until the line goes dead. 

My concern is that this " company '' is fishing for peoples information for personal gain. At the very least, if they are a collection company, people should not have to deal with this sort of harassment without even being told why they are calling.