WillisBack/dataset-financial-user-claim huggingface dataset:
In early XXXX I was notified by my credit monitoring service that a derogatory item had been added to my credit file by Eastern Account System of XXXX XXXX, CT. The debt added to my credit file had already been paid in full ( {$310.00} ) to the original creditor, XXXX XXXX XXXX. 

Eastern Account System persists in sending collection statements, despite a copy of my receipt being mailed to their address on XXXX/XXXX/2017 : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CT XXXX. 

When they failed to remove it, I filed a dispute with XXXX ; XXXX contacted Eastern Account System and was told the debt was valid. I spoke with XXXX XXXX XXXX, and no one from Eastern Account System had reached out to them to verify that fact -- thus Eastern Account System is acting in bad faith.
We are getting automated dialer robo calls from Focus Receivables, phone number XXXX asking us to call back. We have gotten calls on our home phone and cell phone. We have no debt and believe the calls are in error. When I called the number back, I was put on hold and after eight minutes I hung up. I strongly object to this waste of time to resolve an issue that could have been dealt with immediately had a live person come on the line when I answered the phone.
Im writing this letter in hopes you can intervene to get XXXX XXXX to properly review our loan for assistance options, and keep me in my home. The issues began when I lost use of my car, which as you know, in South Carolina, is a necessity. The unexpected expense of getting it repaired made it difficult to stay afloat. 

I attempted to contact Chase to work something out until I could get back on my feet. I would receive letters in the mail, but every single time I tried to reach someone on the phone, no one would speak to me. It was, and is still a nightmare. 

Then out of the blue, one Friday morning, I heard a knock on my door, and a stranger hands me a foreclosure notice! It was a shock. I knew I was behind, but I was finally starting to get back on track and had been trying my best to explain this to Chase Bank.
On XXXX XXXX, 2015, XXXX fraudulent balance transfers were made to my Capital One credit card. Within a few days I noticed the fraudulent activity and called Capital One to dispute the transfers to my account in the amount of {$4300.00} and {$5200.00} for a total of {$9500.00}. Capital One was very helpful and resolved the issue with a matter of a few days by removing the fraudulent transfers, in the amount of {$4300.00} and {$5200.00} to my account. Billing cycle XXXX XXXX to XXXX XXXX, 2015, Capital One gave me an additional credit for {$4300.00}, referring to this as a balance transfer adjustment - this additional transfer was a mistake and I called immediately to explain the additional funds were not mine as the fraudulent activity for that amount had been resolved. XXXX months later and XXXX phone calls with Capital One the credit of {$4300.00} was still on my account. I was still using the credit card account and paying the balance at the end of the month. On XXXX XXXX, 2015, Capital One sent me a check for {$3400.00} - money that is not mine. The XXXX XXXX to XXXX XXXX, Capital One billing statement showed no balance due - this is incorrect. I owed at least {$830.00}. The difference from the {$4300.00} credit. I seem to fail in my attempts to convince Capital One that the additional adjustment ( credit ) made in XXXX to my account is in error. I became so frustrated with Capital One after XXXX phone calls that I closed the credit card account. I also told Capital One that I had no intention of cashing the check for {$3400.00}.
To whom it may concern I am filing this complaint against Chase Mortgage they were my mortgage company and since then has sold my loan I was going to refinance my home and when the bank called me to do a refinance I want to do the HARP program they told me I couldn't do the HARP program that chase had put me through is doing a refinance in 2015 and using the HARP program I never signed any paperwork for a refinance I was never contacted about a refinance and I never use the HARP program so I feel that this is fraud that they did something that I wasn't aware of and if I'm doing a refinance I do believe I have to sign paperwork on it but it was put through that I use the HARP program and that I refinance I did not do this I feel there needs to be an investigation on this
Castle payday -aka- Red Rock Tribal Lending, has continue to take money from my checking account that I do n't remember authorising.They say it was for a XXXX XXXX loan which I was to pay XXXX dollars a month.I do n't remember making this loan, but it was on my bank statement, so I thought maybe I did.I have paid them for the last seven months and they say I owe more.Can you help? Thanks
I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having XXXX missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX   XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALSO THESE INQUIRIES ARE NOT MINE XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX All Banks XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Someone hacked my network and stole my personal information and stole my identity and opened up accounts in my name. I do not know who it was, but all I know is that there was various accounts on my credit report. I filed a police report and an affidavit with the credit bureaus. XXXX   and XXXX  removed/blocked the fraudulent information but Equifax have not and refused to remove the fraudulent account. There are five accounts which need to be removed, which are : XXXX XXXX XXXX-Balance : {$6300.00}, XXXX XXXX-Balance : {$15000.00}, XXXX XXXX XXXX XXXX-Balance :  {$40000.00}, XXXX XXXX- Balance : {$18000.00}, and XXXX XXXX : Balance : {$52000.00}. Please remove immediately because these accounts are not mine and are fraudulent.
I purchased a vehicle XX/XX/XXXX so I have been making payments a while now. I started noticing misc. fees and late charges on my account statements. I called and asked about the charges and found out apparently Santander Consumer USA does n't allow customers with a simple interest loan any grace periods for any reason. I was unemployed XX/XX/XXXX so I had several late payments. I also had to defer a few payments during that time. They continued charging me late fees even though they excused the payments and allowed me to defer. I called recently to try and resolve the old late fees, but they 're refusing to remove them. It 's over {$400.00}! I 'm so fed up with their unfair practices, which makes me think they 're not following the law. I also noticed that my payments are n't being properly allocated, which leads me to think they must be pyramiding, which is a violation and considered unfair practices. How will I ever pay off this loan if most of the money continues to be put towards interest and not the principal?? I asked them, and they told me a computer calculates the percentage distributed each month not a real person. As if that were to make me trust them? The agent I spoke to said the type of loan I have calculates a daily interest rate based on how many days apart each payment is. So the closer I can make payments and the sooner ( before the due date ) the higher the amount towards the principal will be. Again, are they following federal consumer laws? I just feel this company is getting away with murder and using people like me to make money. I already pay over 18 % in annual interest which ends up being daily interest. So I will pay over XXXX in interest alone plus the amount I purchased to car for. See attachment. It shows price of vehicle plus estimated interest. I am being robbed, literally!!!!! I bought the car for XXXX, so after interest and taxes it 's closer to XXXX!
I am unable to add a fraud alert on my credit report. XXXX have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact XXXX, transunion & XXXX. The Social Security Department told me to contact XXXX & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in 2004. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. XXXX XXXX XXXX.
Please read all the way to the end. This is a continuation of a problem and I called in about my concerns. 
My wife and I applied for loans on XX/XX/XXXX with Climb Credit. They approved my wife and had her co-sign on my loan for approval.We started at our XXXX school ... XXXX on XX/XX/XXXX, and right away we knew they did not live by their motto. They said they would be with us every step of the way. We contacted Climb to ask about switching schools, switching classes, starting over etc ... any possibilities because we left our jobs and took out 30k in loans. They said they would get back to us the next day ... we never heard back from them. I sent a couple emails out asking about the possibilities and never heard anything until XX/XX/XXXX when an email was received that we had been withdrawn. I immediately called and no one could help right away. The fact is we never withdrew ... We never signed any papers stating we wanted to withdraw .... They never spoke with XXXX..EVER ... they took a payment that should not have been withdrawn from our bank account. XXXX XXXX said they initiated the withdrawal until we mentioned CFPB and attorney and they quickly stated Climb initiated it. We are filing a separate order against XXXX XXXX. They lied and said because of attendance. We missed 2 days at the time they initiated the withdrawal. We left our jobs, we have lost wages, maxed our credit cards so we can try to maintain our dream of schooling, and now we are expected to pay Climb back for the portion Climb took out of the loan .... No one has ever heard of a school withdrawing anyone on someone else 's word. 
Since that time XXXX XXXX paid back most of loan. There is a bigger issue. This goes to Identity theft and wire fraud. We have been in constant contact with XXXX and XXXX. XXXX XXXX XXXX, VP of XXXX ( XXXX ) XX/XX/XXXX took this fiasco on personally. XXXX XXXX looked over the paperwork we sent and agreed there were XXXX loans taken out on XXXX students. Climb some how attached themselves to XXXX and they are NOT associated. Then on XX/XX/XXXX there was a new account on XXXX credit from Climb. How is that possible? We were withdrawn on XX/XX/XXXX? XXXX says they are up to date on the loan so how is it possible we had a loan also with Climb? XXXX loan was closed XX/XX/2017 with XXXX and just confirmed that again today ( XX/XX/2017 ). Where is the money, why were we not notified about the third loan, and who authorized the loan? Why is Climb still pulling hard inquiries and what is the reason they defaulted a loan we do not have? Why are they dealing with us as if they are XXXX? This is serious and we are pursuing this to the end.
Sent a cease and desist letter to convergent debt collection agency on behalf of my mother XXXX XXXX who is in XXXX..she has no money and lives on ssi..they continue to call everyday. .throughout the day several times throughout the day as well. .do n't know what else to do. .I 've tried explaining to them her situation but they still are harassing her for money.
Wells Fargo sold my mortgage to XXXX XXXX XXXX ( XXXX ). Wells Fargo has a functional website and easily available customer service. XXXX is difficult to get in touch with and get help from. Every interaction I have with XXXX makes me angry. It 's bait and switch to get financing from a company with a good reputation and then get handed over to a horrible company.
Capitol One claimed to have sent IRS a XXXX for a ten year old debt that I own them, the IRS contacted me saying that I owe them about XXXX and some because Capital One sent them a XXXX saying I owed this amount of money, and kelp the owed amount in the Credit agency even after I paid the amount to IRS. I call to get a copy of this XXXX about three times or more, and never received it. This been going on for about two years now.
I am filing against Equifax because my credit score is XXXX fair and the XXXX is XXXX excellent. Please correct.
I am coming to the conclusion that Check N Go is making it difficult for clients to pay on their loan intentionally, and not making the terms of their loan agreement accessible. I have tried to locate my loan docs online, and am unable to. When I ask a rep, they direct me to the online account website to no avail ... they stated it may be a problem on my side. When I try to pay the loan online or over the phone, it seems my account number can not be found and it is too late to pay over the phone. The loan accumulates interest at {$15.00} per day, making it beneficial for Check N Go to prolong payments. During the XXXX holiday, I tried to pay but was unable to, and accumulated {$30.00} in interest just because there was no way for me to pay. This seems like unfair lending practices to me.
For the last FOUR YEARS, Wells Fargo has deliberately obstructed my attempts to assume the loan on the home my wife and I purchased in XX/XX/XXXX. The property is facing an avoidable foreclosure, but Wells Fargo has turned their backs on me. Unfortunately, the last few years have been difficult financially and emotionally, since my wife passed away XX/XX/XXXX. The problem is that the home mortgage was in her name and Wells Fargo spent the first two years ignoring me and refusing to discuss the loan, although I am the rightful heir to the property. It has been an XXXX XXXX years of trying to deal with them. I had a glimmer of hope about two years ago when I was able to get them to speak to me via the court system, but Wells Fargo crushed my attempts at assuming my loan. I then was able to get through to their Executive Office of Wells Fargo after I went down to a branch office and they called into their corporate headquarters directly. I was assigned a single point of contact, XXXX, but she literally disappeared on me after our initial discussions and I can not get through to her. I was forced to try for a short sale, but the time horizon is too short, since I have a sale date of XXXX XXXX, XXXX. This whole thing has been unfair, since it is my understanding that the government allows heirs to keep the home after their loved ones have passed. They knew I was able and willing to take over the loan and continue payments four years ago after my wife passed away, but when I contacted Wells Fargo to discuss the loan assumption they refused to speak with me. Now I am in the dark and my home is facing an imminent foreclosure sale. It is extremely frustrating that I can not get through to the right people at Wells Fargo to resolve this matter. I should have been able to immediately assume the loan and then make the payments moving forward. I deserve the opportunity to have my home titled over to me and then be properly reviewed for all available retention options. The interest rate is very high at 6.5 % and there is room for adjustment. The home is significantly upside down in value relative to the loan amount and arrearages ; creating a scenario where there is common ground to have both sides walk away happy. Their failure to properly allow me to assume the loan can be corrected. I need action by Wells Fargo to do the right thing and allow the ability to keep my home.
On XX/XX/XXXX, I was looking over my credit report. I noticed a company on it named Lamont Hanley and Associates. It was showing original creditor XXXX XXXX XXXX amount {$180.00}. They reported on XX/XX/XXXX again XX/XX/XXXX. I never heard of this company Lamont Hanley and Associates. I never received a call from them about a debt. I did n't even know they ( Lamont Hanley and Associates ) was on my report this long. So on XXXX/XXXX/XXXX I called the company. I spoke with a guy name XXXX. I told him I was calling cause they was on my credit report. He got my information and looked up the account. I told him I never had insurance with XXXX XXXX XXXX. In XX/XX/XXXX I was with XXXX XXXX through XXXX XXXX XXXX of XXXX XXXX. He informed me that They were the same company. I asked If, I completed paying my month billing why was they filing on my credit report? He said I owed a cancellation Fee for a policy on a XXXX Chevrolet Trailblazer. I told him my Ins. was month to month and with XXXX. I was not aware of a cancelation fee from them. He appear to become angry by raising his voice. He stated loudly, you signed a lease. The cancellation fee is in the declaration page. I then asked, can he could validate that I owe this debt? Send me a copy of the declaration page and bill. He again stated loudly " man this debt is five ( 5 ) years old. We will be calling, no, we wo n't be doing any dam thing. I then asked him if they could remove their name off my credit report. He again stated loudly, you have to do a dam dispute with the credit bureau. He then stated in a loud tone it 's not coming off then either. He then hung up the phone on me. This guy was so very rude. They are on my credit report and refusing to verify why, this company l do n't know. How they got my info I do n't know, if they bought it or they collect for XXXX XXXX. Nobody should have to pay for switching companies. XXXX XXXX never called me that I owe a debt.
Lexis Nexis is reporting XXXX items on my report that do not belong to me and is causing me to be charged for items that are not mine. 
They are the following accidents that are not from me. Please ask them to remove immediately and refund me the difference in premiums paid. We run third-party reports to validate your quote and found a few things that updated what you entered. These affected discount ( s ) on your quote. 
View the Updates Your driving information has changed.

The information you entered during your quote does not match the information we found on your driving report ( s ) : XXXX XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX Comprehensive Claim {$1000.00} or less on XX/XX/XXXX Listed on XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX
Last year my husband and I bought a house. The loan was done through XXXX. When did applied for the FHA loan we were told by the loan officer XXXX XXXX, that we qualified for a Mortgage Credit Certificate based on being a first time home buyer, credit income and income requirements. A year later as we are doing our taxes we realized we never received the MCC certificate. Later after investigation we find out the loan officer never processed the MCC application with the loan. Therefore, now every year we file we can not claim that tax credit which is 20 % of your annual mortgage interest will be a direct federal tax credit, resulting in a dollar-for-dollar reduction of your annual federal income tax liability.