WillisBack/dataset-financial-user-claim huggingface dataset:
I have been receiving bills from both the XXXX XXXX XXXX XXXX and Transworld Systems Inc. regarding debts on a XXXX XXXX Credit Card and a " Take it home Today '' Joint Loan with my spouse. Correspondence started in XXXX or XXXX 2017, and both companies have conflicting amounts listed as owed. It almost seems as if they are both trying to collect different amounts for the same debt. 

In addition, I sent them written correspondence in XXXX of 2017 requesting validation and proof of the debts as I had paid significantly more than what they were listing as owed. I received no response, only continued collection letters from BOTH companies. They recently took both my wife and my tax return from this past year ( in excess of {$9000.00} ) yet, there is still significant balance owed according to their website ( $ XXXX, and $ XXXX ). They only show the payment from my tax return on their site, but show no application of that tax return towards the balance of either debt. They also sent a letter of intent to garnish my wife 's wages for a debt of $ XXXX. 

I am a XXXX XXXX XXXX veteran who has been unemployed for over a year now. I have not been successful in obtaining any employment over the past year. My family and I rely on food stamps and school assistance to fee our children and my wife 's income is well below the federal poverty level. We can't get double food stamps when these crooked companies garnish my wife wages and she makes less than minimum wage ( which ill be the result of any wage garnishment. ) I would hire a lawyer, but they cost money, and that is obviously something that we do not have at the moment. Any assistance would be greatly appreciated.
I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
It 's with Nissan of XXXX 's debt collector. They just keep calling and wo n't stop either. From XXXX different numbers they have called and everytime the people are very rude and not the nicest either.
Synchrony Bank, a debt collector for my Amazon.com Store card, initates calls outside of the XXXX - XXXX time frame, specifically on the weekends. I receive called on the weekends. I receive 4-5 calls daily.
Equifax, XXXX, and XXXX have done nothing to assist me with the identity theft, fraudulent loan in my name, or to bother correcting personal information on my credit report. In XX/XX/XXXX I was called at work by a credit card company to confirm I was trying to make a purchase over 50 miles away. I declined the purchase, contacted XXXX XXXX and then tried to file a complaint with the XXXX XXXX Sheriff 's Department. The deputy was rude and threw the paperwork at me. I have filled it out and sent it to at least one of the credit reporting companies only to have it stay on my report and I am still denied access due to the wrong phone numbers and addresses being on my report. I have never lived in Florida or Oklahoma and yet there are phone numbers for both and one address - all of which are wrong. I also do NOT have two Social Security numbers and yet they are claiming I do. I am not able to access a credit report and last received one after threatening to seek legal counsel yet again from XXXX. 

A creditor is also claiming I took out a loan in XX/XX/XXXX when in fact no loan shows up on my credit report nor did I take out a loan. All three of the credit reporting companies have failed repeatedly to bother correcting the wrong personal information as well as incorrect financial information. 

I have sent in reports and personal information to identify myself frepeatedly and see no point in doing so again since I have been repeatedly denied my rights as a U.S. citizen under the Fair Credit Reporting Act. My records have been inaccurate and I have been denied the correction due to me by this act as well as by applicable laws. I will not be paying incompetent corporations that make money off of selling my personal information in disgusting acts where I was never asked for permission {$10.00} or more for a credit freeze that a criminal can just take off. Due to the hacking and gross negligence of Equifax I do not feel comfortable handing these corporations any more of my personal information since they have proven they are incapable of safeguarding it, let alone keeping an accurate record.
i did a mobile deposit for a payroll check and then 2 weeks later a coworker stole my check and tried to cash it and it didnt work and my bank wells fargo took the money back out of my account and i still havnt seen the money or any feed back letting me know whats going on. 
there not telling whats going on!
Dismissed Bk Check again a with the law bk can stay from the date they were Add to adjudicated incase you did not know that means the time it was processed through court so the very act of dismissing means it was not adjudicated however since you it still is ok knows who I am if they say they do n't again it because they are lying. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number XXXX The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX XXXX XXXX this company is being reporting illegally on my credit and this company has been reported to the XXXX because of hippia violations and they are now involved in that XXXX they are also reporting southwest recovery and they agreed to be removed through this web site
I filed an Identity Theft Report with the FTC # XXXX because neither Equifax nor XXXX will provide validation or verification of identity. I have tried numerous times with certified letters to get this resolved with both Equifax and XXXX but it continues to report false and incorrect information on my credit report and keeps sending me documentation with inaccurate data showing it belongs to someone else. I have also had a fraud alert placed on my credit reports until this issue is resolved.
I am an XXXX retired woman who still needs to work to make ends meet. I also receive {$600.00} in SSI. I was diagnosed with XXXX last year and was told I needed to take it easy and only work part time, however, I have not been able to do that. I requested Mortgage assistance w/ Neighborhood Housing of XXXX Florida and was denied, they, in turn, dealt with my mortgage company for over 6 months to get a loan modification to lower my interest rate to 2 % which from I understand am eligible. After months and months of back and forth, OCWEN finally approved and lowered my interest to 2 %, but with a clause indicating to also sign to a balloon which would devastate me and cause me more grieve and hardship. I declined to sign the portion of the balloon but signed and submitted the part of the trial payment for three months which is due in XXXX. I 've owned my home since the early XXXX, and have never been late on a payment. I have been receiving harassing calls in the name of OCWEN from XXXX, and the latest one is a voicemail from an OCWEN representative indicating that my account is seriously past due. OCWEN has been giving me misleading and inaccurate information regarding my mortgage and I am fed up of being taken advantage of. I have dealt with OCWEN in the past for a loan modification through an unscrupulous individual ( who took my money and disappeared ) and according to OCWEN, I did not qualify. Is it legal for OCWEN to grant a loan modification, but at the same time force me to sign a balloon clause that I do n't agree to, or may keep my home when I die? I only have {$60000.00} left on my mortgage and by signing that document, I would have to continue paying that balloon afterXX/XX/XXXXwhen the {$60000.00}. Ocwen has never offered my another solution other than the HARP, I just found out they could have offered another solution, as HARP does not apply to me because I have never missed a payment. Sure I have struggled, just like I am doing now, but a payment has never been late. I also received a communication from OCWEN indicating I no longer qualify for a loan modification because my papers were not submitted in time ( XXXX/XXXX/XXXX ) which is partially true, I only submitted the contract for the trial period signed XXXX XXXX and received by OCWEN XXXX XXXX, this receipt of documents was acknowledged by my " relationship manager '' XXXX XXXX, but he declined my request for the modification because I did not want to sign a document which will jeopardize my finances, my home, and my life. I have made attempts to contact XXXX XXXX to work out a solution, unfortunately, my calls are always outsourced to XXXX.
Equifax changed my address on my credit report and I am not sure why. I filed four disputes to fix it and they continue to get it wrong! I spoke with a supervisor today, XXXX XXXX, 2017 and she asked me if I submitted documentation. I told her that I submitted a copy of my drivers license twice, yet they continue to get my address wrong. I also explained to her that DMV has my zip code incorrect on my license. She proceeded to tell me that she had to go by what was on my license. I told her that I want my address to reflect what it has been for the last 8 years since I purchased my home because my address has not changed. I asked her to go by the address that has been on my credit report for years. I am very frustrated because I would not have to go thru all of this if they did not change my address in the first place. I am just trying to get it back to what it is was and is supposed to be. Well the supervisor told me that she had to use my zip code on my license so I asked to speak to her supervisor or someone higher than her. She transferred me to another supervisor instead. Her name is XXXX, ID number XXXX. I asked XXXX if she was the previous supervisors supervisor, or if she was just another supervisor like the previous rep. She told me she was a supervisor just like the previous one. After going back and forth with XXXX, she proceeded to tell me that they have a XXXX XXXX address for me as my current address. I told her I have not lived there in 20 years and that she was incorrect. I told her that was probably showing because the previous rep deleted my current address when she was in the process of changing it until I asked to speak to her supervisor. She tried to tell me that one of my creditors updated my address to that and I told her she was wrong. None of my creditors ever even had that address because it was from so long ago. My creditors are recent creditors. She tried to argue back and forth with me regarding this. I explained to her that even my dispute letters have my current address on them but with some wrong information so they did not have XXXX XXXX as a current address, otherwise that would be on my dispute letters. She proceeded to update my address to my current address but with the incorrect zip code. I have copies of all of the disputes. It is disgusting that a company operates like this when they are charge of something so important as consumer credit reports. What else do they have wrong? Everyone that I spoke with had a strong accent and were difficult to understand at times. It seems like this company is operating out of a foreign country.
My complaint is about Coinbase, a digital currency platform.   XXXX   2017 I tried to verify my identification ( by uploading my Hawaii drivers license ) in order to increase the daily amount of bitcoin that I can purchase. However, because there is some issue with Coinbase not allowing Hawaii residents to open accounts, I became locked out of my account.
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The issue now is that every time I log in, I get this " unable to create account '' screen and I can not get to my dashboard to move my funds out and close my account. I do not have any issue with Coinbase not allowing Hawaii residents to open accounts. My issue is that I 'm caught in this catch 22. I want to move my funds out and close my account, per Coinbase 's rules, however, I ca n't get to my dashboard to do so.
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I 've been emailing Coinbase 's customer support almost daily since  XX/XX/XXXX  and have yet to hear a response. They do not have a customer support phone number. I have over {$1000.00} in my account which I can not get access to. It 's very frustrating and I 'm not sure how else to contact Coinbase.
XX/XX/XXXX2015XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from XXXX credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX
I 've been made aware that my private and personal information were compromised in the announced Equifax security breach. Reports suggest that Social Security numbers, addresses, and more were taken.

Clearly this is hugely unacceptable and I can only hope that the government is working to punish this group for their mistakes!
Account is more than 7 years old. My car was repossessed in 2008 from original creditor. Collection agency claims they do not have any records of this account, however it is still on my credit report from XXXX XXXX XXXX.
I started the process of a short sale on my home in XXXX 2015. I hired a reputable real estate agent and we got a contract. The lender is refusing the offer and insists on an unreasonable and unrealistic price for the house. When we asked for the basis of the figure they proposed for the sale they refused to answer. Now, they 've served me with a second set of foreclosure documents falsely indicating that they have never received an offer and the last time they contacted me was in XXXX 2015. My letter to them is attached.
The debt collection agency Regional Adjustment Bureau is trying to collect {$18000.00} for an old private student loan, even though the 4-year California Statute of Limitations on the original loan has expired. They call my cell phone, and the phones of my family members, constantly. Sometimes, they do n't even say anything when I pick up. When I do speak to any of their representatives, they are always rude and threaten to sue me or take me to court over the debt. They have also put my debt in collections, which affects my credit report.
I received a call from F & M Capital in XX/XX/XXXX stating that they were attempting to collect debt from unpaid student loans from XXXX University. I let them know that was inaccurate because my student loans are in deferment through XXXX XXXX because they are under investigation by XXXX to be forgiven since I submitted proof that XXXX University was mishandling my student loan money. To this day they are still in deferment and I am in good standing with XXXX. They did not let me explain this in detail because their paralegal was screaming at me and telling me they didn't care what XXXX did or said that I still owed them money. I told them I was not going to pay anything to them when I know I am in good standing with XXXX who manages the loans. They stated they were going to sue me and take legal action against me. I hung up because they continue to harrass me and scream at me to the point where I could not speak. Today XX/XX/XXXX I received a call again and they stated they were looking for a XXXX XXXX and calling about a XXXX account and they were with F & M Capital. I told them I didn't know who F & M Capital was because it has been a few months since they called and at the moment I didn't recollect the name. He repeated my information, but did not mention what debt they were trying to collect. Not to mention this person did not mention his name and called me from an Unknown number. So I told him again sir I don't know who F & M Capital is and I need more information before I give any information or can help you. He said I can transfer you to our paralegal. I said no if you can't give me any information I don't need to be transferred to anyone from an unknown number. His response was WOW we have in our system that you were difficult last time we spoke to you and from this conversation I can see you difficult to work with and from there he began to scream at me and I had to pull my phone away from my ear. I told him sir you're an attorney and he continue to scream. So I had to speak over him with my phone away from my ear and tell him if you are an attorney as you claim you should know that no one is going to give someone from an unknown number any confidential personal information. He continued to scream over me, I repeated myself again and hung up. He immediately called me again and it was an unknown number again and rejected the call. I tried to go on their website XXXX XXXX XXXX and they do not have an email that I can send them a cease and desist letter to leave me alone. The XXXX account with my ex husband has been closed since our divorce as it was part of our divorce decree and XXXX  has told me that I am in good standing and my loans are being investigated and are deferred until a decision has been reached. I don't have proof because they are calling me from unknown numbers and don't have email address to be able to respond with trackable information.
Hello, this is a 2 part problem that includes XXXX, XXXX, XXXX, and XXXX. These schools took out loan amounts that were more than the cost of school. 

XXXX keeps pushing Forbearance on me and with calls. What I am for is a income driven pay back plan but I get no help. Now the loan amounts are more than what I can handle. This has hurt my credit DTI and score as a result of both issues. 

Please help! 

XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX, 2016 an unknown individual used a fraudulent debit card to make XXXX separate ATM withdrawals from my checking account with Flagstar Bank. The withdrawals totaled {$1800.00} and were withdrawn in the amounts of {$400.00} ( x XXXX ) and {$200.00} ( x XXXX ), my bank apparently terminated either the debit card number or the ability to make ATM withdrawals from the checking account upon the last withdrawal of {$200.00} per discussion with card services at Flagstar Bank on the evening of XXXX XXXX, 2016 ( I was not contacted by Flagstar Bank about the transactions but rather attempted to use my debit card on the evening of XXXX XXXX, 2016 and the card was declined ). The individual made XXXX withdrawals of {$400.00} from the location noted previously ( XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) and made XXXX withdrawals of {$400.00} and XXXX withdrawal of {$200.00} from another location ( XXXX XXXX XXXX XXXX, XXXX, NV XXXX ). I submitted a fraud claim with Flagstar Bank on the morning of XXXX XXXX, 2016 and received no correspondence from the bank. I submitted a police report with the XXXX Police Department on XXXX XXXX, 2016 to report the theft as well. On XXXX XXXX, 2016 I called the bank 's customer service number to inquire about the fraud claim and was informed that the claim was denied based on the fact that the withdrawals were in my city of residence, the fact that I retained my debit card, and the fact that there were no incorrect PINs entered during the withdrawals.
Ally Financial sent us a bill for {$190.00} for damage to a car returned after lease. We disputed the claim in writing. Ally never acknowledged our dispute and harassed us via phone calls and has now turned the claim over to collection agency, XXXX XXXX, XXXX.
My mortgage company Green Tree Servicing LLC changed into Ditech Financial and I have been charged false " late fees '' even when paying before the date specified. My statement say " a {$27.00} late fee will be charged if paid after the XXXX of the month ''. I paid by XX/XX/XXXX last month and did have real late fee that I also paid in FULL and my statement for XX/XX/XXXX says I owe $ XXXX+ in late fees!!!! FOR WHAT?!?!?! It is robbery and makes no sense. They also just went up on our payments for escrow and I 've been reading alot of complaints about this company. I feel as if I am being played with, stolen from and I can not afford this! They should be out of business!
This private student loan was signed for by my father thru my XXXX XXXX XXXX XXXX that became XXXX XXXX XXXX XXXX was shut down to fraud and embezzlement and they used XXXX as there bank source. I never signed the loan docs Wells Fargo has never provided anything showing my signature. My dad filed a chapter XXXX Wells Fargo fought discharge but again they lost and the debt was discharged at the end of the 13 5 years later. They willing took payments from him that was against the bankruptcy code. But now since the Bk court figured out what they were doing they are trying to make me responsible for a loan I never signed. They will not talk to me and refuse to provide any proof as there is non or its fraudulent. Again look at XXXX XXXX lawsuit remember XXXX XXXX was the same people from XXXX. Now Wells Fargo is distroying my credit. On a 13 year old loan that I never signed for never delt with never did anything with. There is only 2 months of pay history reported on the credit report. Like I just took this loan out and defaulted. Where is the other 12 years and 10 months of reporting history? You have not not been able to prove ownership yet you destroy my credit. Please remove this off all of my credit files at XXXX, XXXX XXXX and XXXX. I have received no notification on this loan of statements or delinquent notices. So again please remove all negitive credit reporting and remove the whole loan off my report as I never signed any paperwork to have any liability for this loan.
I have several inquiries on my Equifax report that were not authorized, I believe they are related to the Equifax breech. Equifax refuses to help me or remove these inquires. I have spoken with the companies and they have no record of me having ever done business with them and some claim to have reached out to Equifax to have removed and they have failed to do so. The inquires are as follows. 
- XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX XXXX I have never done business with any of the above creditors and until they showed up on my report I had never even heard of them and Equifax refuses to help me with this matter XXXX
XXXX   XXXX  has a collection against me showing up in my credit report on behalf of  XXXX  indicating that I owe {$740.00} which is incorrect. I have no knowledge of this account, I do n't even use  XXXX  I use  XXXX . I want it removed its damaging my  credit score. Its been there for almost a year now. Please help !
HELLO, PLEASE REMOVE ME FROM ALTERNATE FORMAT CREDIT REPORTS OR BRIALE CREDIT REPORTS AND DISPUTES.