WillisBack/dataset-financial-user-claim huggingface dataset:
I recently obtained my credit report and noticed several Hard Inquires to companies that I did not authorize. I initially reached out to Transunion and XXXX to notify them of the unauthorized access to my personal credit report but was met with little to no assistance. Both CRA kept insisting that I claim that I was a victim of fraud in order to transfer me to the Fraud department. After several attempts, I succumbed to the pressure and had them put a fraud alert on my credit file, which still did not resolve my issue. 

I was advised that Hard inquires can not be disputed through the CRA but through the individual collectors themselves. I then contacted the creditors via phone and certified letter only to be told that they did not have any accounts open and my name, therefore could not provide me a written letter to send to the CRA for deletion. I 'm hoping by filing a complaint here, I would be able to rectify this situation and have those unauthorized inquires removed from my credit file.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1700.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Experian has a {$770.00} written off there is nor any money written off. 

There is no where from XXXX XXXX that states I owe any money. By XXXX letter it states there are no further amounts due on the above account. 

Experian did not address what I stated in which is the {$770.00} written off that shows by Experian.
I live in NY and submitted my original complaint to NYS Department of Financial Services. My problem is with Wells Fargo Home Mortgage, regulated by you. In XXXX we got an unemployment forbearance. I called in XXXX because we were back to work, and wanted to resume payments under a modification. From that time on I have had XXXX " specialists '' who have requested their own laundry lists. In some cases I had XXXX different specialists in one week. I always submitted the required paperwork, promptly. I was originally told that I had 6 months for the forbearance. Today is the end of that time. Ihave complained everywhere, and have been assigned to XXXX XXXX in the President 's Office. I have sent her a packet as requested, and asked for confirmation of hat happens next. I know it arrived on XXXX/XXXX/15, followed up with emails, and am getting no response. Basically, Wells Fargo is totally unresponsive. My loan is a XXXX XXXX, but the package is never getting submitted to them since Wells Fargo is not doing their job. 
I am totally disgusted with the lack of response, and very concerned about the status of my mortgage and credit.
Frauding scams using my documents of XXXX county Indiana of XXXX   XXXX Indiana of XXXX XXXX Hospital of XX/XX/XXXX Frauding scams frauding my parents documents of XXXX XXXX XXXX XXXX XXXX XXXX ( who is decest ) Fraud scams frauding using XXXX Frauding death record of XXXX XXXX XXXX XXXX of XXXX county Indiana Frauding scams frauding using using XXXX XXXX XXXX XXXX documents of XXXX county Indiana Frauding scams frauding my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX Hospital of XXXX XXXX Indiana of XX/XX/XXXX Frauding scams using my immazation record of XXXX XXXX of XXXX county Indiana which ran through 10 States schools Frauding scams frauding my documents of Grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana. She was a XXXX XXXX  retiree Frauding scams frauding her 4th husband of XXXX XXXX of Michigan State he was a XXXX XXXX retiree Frauding scams frauding my great great grandparents death record 's of. XXXX XXXX married to XXXX XXXX of Sir name XXXX Frauding scams frauding her parents of my 3 time 's great grandma and grandfather who are decest. 

Frauding scams using XXXX XXXX who was married to XXXX XXXX serial numbers death record 's. 

Frauding scams using using XXXX frauding XXXX XXXX Hospital of of XXXX XXXX Indiana who was the head of XXXXXXXX XXXX Hospital  as an XXXX XXXX.. 

Fraud scams using XXXX Frauding scams using business permits Frauding scams using my XXXX school documents of XXXX XXXX high school of XXXX   county Indiana Fraud scams using my grade school documents of XXXX elementary School of XXXX XXXX Indiana as others States land development Frauding scams using XXXX Indiana and XXXX XXXX Frauding scams using XXXX Indiana XXXX School as XXXX XXXX   Frauding scams using my documents of XXXX XXXX XXXX as XXXX XXXX   Frauding scams using XXXX XXXX  and XXXX XXXX   Frauding scams using scams using auto stores and medical fraud scams using construction crews Frauding scams frauding 50 states wide Frauding scams using fashion related Frauding scams subdivision sinage Frauding scams frauding my documents and shopping malls Frauding scams using XXXX XXXX Frauding scams frauding my documents as lawyers and judges and attorneys and law partners Frauding scams frauding my documents as adult entertainment scams Frauding scams using my documents as semi truck and send trucks companies 50 states groceries stores retailers store 's products and diner resterant franchises tore in to many documents Federal not interested in 65 percent of USA federal date block over land development areas talking in my documents. 

Frauding scams using many XXXX frauding XXXX XXXX and using business Others also frauded using XXXX XXXX  school using XXXX Frauding scams using using streets and hwys sinage  Frauding scams using dictionary companies and encyclopedia XXXX Frauding scams frauding XXXX Indiana Frauding scams using XXXX Frauding scams using dump trucks
On XX/XX/2018 I went into the branch of Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX I was seeking to remove NSF feature from my bank account. If I do not have money in my account, I do not want the bank to pay anything. First of all my voice is loud and many people can mistake this to anger or raising of my temperment. The customer service rep for some reason sent my request to the Branch manager. In trying to explain my request, the Manager accused me of being angry. I raised my finger to make a point, & she yelled at me to stop pointing my finger at her. Banks are customer service bussinesses & this Manager proved that she lacks the skills to interact with upset customers, she was so unhelpful, that I left without my request being met. She was very happy to hand me a card with her Boss 's name on it.
My consumer report has inquiries made by online payday loan places that I have never gotten in touch with. They have my social security number and it was not by me. It's fraudulent information.
I have evidence that an imposter stole my social security number. They have made several attempts to have duplicate credit cards belonging to myself sent to a fraudulent address. Therefore stealing my identity. I have reason to believe they may have obtained a copy of my credit report. The fraudulent address appearing on my TransUnion credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please respond.
I purchased an XXXX watch with XXXX XXXX  on XX/XX/XXXX using my XXXX XXXX Card. I understood that using an XXXX XXXX card provided an additional 1 year of warranty for purchased products. The watch broke on XX/XX/XXXX, which would have been 10 days after the 2 year XXXX XXXX expired, but within the additional 1 year from XXXX XXXX. I filed a claim with XXXX XXXX and received a letter today denying the claim because I purchased the watch with a " XXXX '' XXXX XXXX card. I was told that while XXXX XXXX and XXXX is a partnership, it is really not an XXXX XXXX card. I asked about my XXXX XXXX XXXX card and was told that, " well, yes, that is another partnership but with that one, it is actually an XXXX XXXX card and you do have all the extended warranty benefits with that one, but not with the XXXX XXXX XXXX card. Who knew ...! In my opinion, it is reasonable to assume that an XXXX XXXX card is an XXXX XXXX card. The XXXX XXXX logo is prominently displayed on the bottom right corner of my XXXX XXXX XXXX XXXX card in the typical blue box XXXX XXXX logo. I have always trusted that both XXXX XXXX and XXXX XXXX are reputable companies ; however, this experience makes me question that assumption. I would assume that a company, especially like XXXX XXXX, would not be willing to put their name on a card that does not represent XXXX XXXX well, but then we all know what they say about assumptions! I was told by XXXX XXXX customer service that they just put their name on the cards, but they are not responsible for what they do ... .pretty astonishing in my opinion. I was also told there is nothing that XXXX XXXX can do ... which I find a little hard to believe.
I am a victim of Equifax 's Breach and upon, reviewing my Credit report I noticed Unauthorized inquiries as well Unknown debt accounts that were removed in the past but have recently been reinserted. I have made several calls to Equifax to try an resolve the issue and I have also contacted them by mail but the Unauthorized inquires and Unknown accounts are still on my report. Equifax have not provided any contract or physically proof of the said debt or inquires belonging to me, nor did they notify me that these would be reinserted on my report. Equifax will not remove the Unauthorized inquries nor Unknown accounts on my report and this is violation of the FCRA.
XX/XX/XXXX-XX/XX/XXXX my credit report was pulled to purchase a house, there were no inquiries reporting at the time, my report was pulled. After recently going thru the initial steps to buy, i noticed that there are inquiries now reporting on my file, in which i did not authorize.
Several years ago Bank of America 's representatives corresponded with my lawyer but did not represent themselves truthfully. The case was settled and sealed, however they paid me several thousand dollars. Since then I 've asked them repeatedly to not call me but rather write me in email or letter as their representatives say different things depending on which department they are calling from. I also told them to stop calling me on my regular cell as their continual automated phone calls were harassing me. Since then they have take to call me almost every day on another number that I have. Please tell them to stop harassing me through this continual calling. They may communicate with my at any time through either email or letter. 

Thanks for your help. 

XXXX XXXX
I am filing this complaint against CU Recovery Inc. because of their lack of reply to my debt validation letter. Dating from XX/XX/XXXX to recently I have been trying to negotiate a settlement to payoff my debt with CU Recovery, originally from XXXX XXXX XXXX. After several attempts to do so, I began to worry that they were scamming me or that they were stalling progress in order to add fees to increase the original debt. On or about the week of XX/XX/XXXX, I contacted XXXX XXXX XXXX ( the original creditor ) to ask them to validate my debt, they refused to talk to me in XXXX attempts, instructing me to make all contacts with CU Recovery Inc. I was then in contact with the collection agency ( CU Recovery Inc. ) and sent the attached debt validation letter on XX/XX/XXXX via US Postal Service Certified Mail ( ATTACHED ). The collection agency received the letter on XX/XX/XXXX but has not responded to my request for original documents and have since stopped contacting me. 

I am concerned that CU Recovery Inc. is not a legal entity or that it is trying to stall the process to settled in order to hike fees and other interests, specially since they have not responded to my debt validation request claims and the amount they say I owe does not reflect the amount reported in my credit report by XXXX XXXX XXXX this month. 

According to the Fair Debt collection Practices Act ( FDCPA ( section 1692g ) and XXXX Administrative Code ( section XXXX ) the agency should verify my debt and send me the following, in writing, within XXXX days of receiving my letter ( it has been over XXXX days now ) : proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest and other charges and for all other charges, the date of and basis for each charge. Please help me obtain this information that is due to me by law from the collection agency.
A complete short sale packet including an offer was submitted XXXX days ago and there is still no update. I have left several message for the point of contact and I am not getting any calls back
I paid my mortgage with a personal check to OCWEN on XXXX/XXXX/2016 for my mortgage. It took them 12 days to cash the check. The check was cashed on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a statement stating that I am past due. I am not past due. I called them today XXXX/XXXX/2016 and spoke to XXXX, relationship manager, and she confirmed I am not past due and she has NO IDEA why they sent me this notice dated 5 days after my payment stating I am past due. I would like to have a corrected mortgage statement. Someone is making errors at the bank on my mortgage.
Although we have been very responsible with our mortgage of over 15 years -- -with ocwen and XXXX -- -we are still stuck in a punitive mortgage rate of 9 -- 16 % -- -- is there anything you can do to help?
My Mom passed away and we are trying to close her account with CITI home equity the loan was paid off last year we keep getting bills for {$650.00} i think they are fee 's from the company I have tried for days to reach someone there are no branches in the area and when i got a offshore person they told me to go to a branch Please help me close this loan and stop them from leading in Massachusetts because there is no one to service the loan
I 've contacted Citimortgage for many months to request help on reducing my monthly payments with a reduced interest rate and longer time to pay off the mortgage. I XXXX in XXXX this drastically reduced my income, I provided proof of my very limited resources but they are not really abiding by the rules of FHA where help is giving on the income to mortgage payments ratio. Instead I received a letter saying that I am authorized for a short sale! This is insulting and not acting in good faith, they want me and my wife to live on the streets now? After I have paid on time for almost 2 decades, they are holding this against me instead of helping. This short sale approval will affect my credit? Is it reported in any way to credit bureaus? This is NOT acceptable, I did n't ask for short sale, it is insulting they offered me this. I want a mortgage payment that is aligned to my income. Instead the guy that told me they ca n't help me implied/suggested I should default to be considered for help! What kind of institution does this? Please look into this matter and help me get a more affordable payment, the interest rate is actually high
We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XX/XX/2015. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than two, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of two forms of identification, in order to have these disputed items removed.
They began calling me on XXXX/XXXX/XXXX for a past due first payment. My bill showed XXXX/XXXX/XXXX as the due date. When I received my 2nd bill on XXXX/XXXX/XXXX the due date said XXXX/XXXX/XXXX. So I called asking why my due date was ( a ) changed & ( b ) why I was not notified. The rep said she could not answer those questions. Her name was XXXX. I need to know when my bills are due in order to make timely payments. Montgomery Ward should not be allowed to do this arbitrarily.
I have XXXX Prepaid Cards issued through Citi Bank from XXXX. I have filed XXXX claims because money was not refunded on my card. I have sent documentation in 3 times. The money has not been refunded on my card and I have been going through this since the end of XXXX. They just sent me another letter wanting me to submit the same information that I already have. I want this issue fixed immediately.
I have disputed two invalid/released tax liens that are not listed with the department of revenue of Massachusetts. These were invalid because I entered I to a payment arrangement for the liens. I have paperwork saying these liens and garnishment was released and invalid. Other credit reporting agencies have already deleted this entry. MAssachusettS department says these liens are invalid and have no record of them.
I paid through debt consolidation and CDR Associates. They keep calling my work and will not listen to me stating that I have paid debt. They are threatening.
We are affected by a tornado on XX/XX/2018. I have been trying to get the mortgage to release money so I can get my house fixed. Every time I call I get told they don't have something or they need something else. I have turned in all the XXXX, waiver of lien, insurance documents and contracts. They will not just release my money, every time I call I am told something different. I can't fix my house without getting the money from them. This has been the biggest mess ever. I have to call to be told that things are not processed and this is why the documents aren't correct or that they didn't accept it for one reason or another. I can't go to the website like they want me to. If I was to miss a payment they would be all over calling me.

I feel like they don't care about me and getting my house first which they should since they are really are the ones that own it.
I am unable to remove my stored XXXX credit card ending in XXXX that I had on file with XXXX XXXX XXXX for 2 cancelled subscriptions under the account number XXXX login : XXXXXXXXXXXX Please read my account number and email above so that you are looking at the correct account. This complaint is under my XXXXXXXXXXXX Google account. Please do not close this complaint without investigating fully. XXXX XXXX XXXX closed my original complaint but my XXXX is still there. I can see it now. See screen prints attached. 
Also I am unable to close my Google Payments Profile. All Google 's website links are circular taking me back to the same location indicating I can not close my payments profile or remove my credit card. I cancelled my subscriptions to XXXX XXXX and XXXX XXXX on XXXX XXXX, XXXX. I have tried for 3 days to call and email XXXX XXXX with no results. XXXX XXXX XXXX. is licensed as a Money Transmitter in my state of Connecticut. Representatives from XXXX, XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX told me that I must maintain a credit card on file even if I am no longer subscribing to any paid services, that I can not remove my XXXX until I replace it with another card, and to purchase a prepaid card. Additionally, my XXXX XXXX subscription was a " free trial '' subscription and the XXXX XXXX rep indicated due to " audit & compliance '' they must maintain my credit card on file but that it is encrypted and in cold storage. The screen prints below do not appear to support his assertion. This is unacceptable.
I am having issues with inaccurate information showing on my credit report my name should be listed as XXXX XXXX XXXX. Please remove any other variations of my name. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX please delete the following addresses they are not mine!!! 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
I fully used an eBay gift card of about {$500.00} to make a number of purchases on eBay at the start of XXXX. As the balance was completely used I discarded the original gift card with the gift card number and I did n't keep a record of the gift card number. The seller of XXXX items did n't ship the item and then processed a refund back to PayPal for {$17.00}. PayPal then immediately debited the refund from my PayPal account and credited it to " eBay Gift Card Services ''. After three hours on the phone with several different PayPal and eBay agents neither of the businesses are able to help me understand how I can get the original gift card number back again to use the refund. In the guise of setting up XXXX way calls between me, eBay and PayPal I was transferred from PayPal to eBay and vise versa 3 times with the initiating agents then dropping off the line so that I needed to verify my identity and start over again and again explaining the issue to both PayPal and to eBay.
My mortgage on my home is serviced by Ocwen. I believe Ocwen is ripping me off. 

I have a thirty year mortgage with an initial loan balance of approximately {$150000.00}. After making twelve ( 12 ) years of payments, my current loan balance is approximately {$140000.00}. Where have all of my mortgage payments gone? Ocwen has added huge fees to my account and refuses to correct the balance. 

Also, my escrow account is incorrect. I completed a personal bankruptcy and repaid everything 100 %. The Judge in my case declared my mortgage account and escrow completely current. However, Ocwen says I have an escrow shortage of over {$3000.00} even though I made all of the required payments in full and on time. Ocwen refuses to correct my escrow account for almost a year. Ocwen is trying to run me out of my house by incorrectly increasing my payments to cover the incorrect escrow shortgage. Furthermore, Ocwen violated the Fair Debt Collection Practices Act in Court. 

My mortgage loan balance is incorrect. Ocwen appears to have added huge amounts and fees to my loan balance even though I have been paying on my mortgage for twelve years and I am current today. 

I have been working with OCWEN for over a year now and I can not get my mortgage account and escrow account corrected.
my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX social XXXX date of birth XX/XX/1959. equifax confirmation XXXX my complaint is that equifax office of consumer affairs that handles my credit file, i told them several times that the XXXX XXXX XXXX XXXX account XXXX is not mine it a fraud account with balance of XXXX that account supposed to been remove due to fraud. and also all the hard credit inquires that were not mine do to fraud. please talk to equifax to have the XXXX account XXXX remove from my credit file alng with all hard inquires do to fraud
I received voice messages repeatedly about a debt I am not sure I owe. This company keeps threatening me to take me to court in XXXX XXXX and will not offer me information about the debt. When I spoke with someone finally he became very rude and would talk over me and would not let me speak then he hung up on me. I do not feel this is a legitimate debt but most importantly I think they are using illegal scare taticts.
My monthly payment has been on time for 4 years now, but it still shows delinquent on my credit report.
Collection letter was mailed to me for attempted debt collection of XXXX medical accounts already paid in full. The payments were to the same collection agency. I called the original creditors and confirmed payment was received. The collection agency, Revenue Recovery Corporation,XXXX.tn.,XXXX.XXXX was attempting by fraud and misrepresentation to collect the debts XXXX.