WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within XXXX business days after accepting 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 Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I had a student loan with Chase back in 2006. At the time I was going through financial difficulties and did not pay. Because of that, my student loan went into default. I have since applied for a mortgage and was told this loan had to be resolved in order to go forward in the pre approval process. I have spent the past month calling numbers, leaving voice mails, getting passed back and forth and still have not been able to talk to someone to help resolve this loan. Chase tells me all private student loans were sent to XXXX and XXXX is telling me they were never/do not have my account.
Transunion has XXXX XXXX as an open account with a balance of XXXX. I was told by both Transunion and XXXX XXXX that this account would be removed by today, XX/XX/XXXX
My FHA loan was previously owned/serviced by XXXX, and has been sold to LoanCare. I am a XXXX years old, XXXX, female that has applied for a loan modification with XXXX ( of which I am quite concerned there may be unauthorized default rates and charges ), which did not transfer over, I then had to re-apply again for a loan modification with LoanCare. I have diligently supplied all my financial documentation along with all of my daughter 's ( non-borrower contributor ) financial information, however LoanCare has denied my modification application with no explanation, figures or breakdown. I believe they are deceptive, and cut many corners. I have attached their response to my application, where there is no reason stated for my denial. How do I know they have calculated our income and expenses property. I have an FHA loan, there are certain guidelines they must follow, ( which I have researched extensively ) there is no way to see if they have accurately processed the application, because they did not supply a figure breakdown. This is outrageous, I have owned this property since 2001 and am a senior citizen XXXX female. I do not  want to lose my home. I have done the calculations and I DO qualify. LoanCare has failed to provide accurate calculation of ineligibility. I believe they are acting in BAD FAITH and have IMPROPERLY denied my application for a loan modification.
I am filing a complaint on behalf of my sister. She has a medical condition and is on XXXX. She has always been on XXXX in her adult life. What I am now learning is she had credit cards, used them in excess. She owed a large amount of money to a debt collector. 

In fact, now that I have been monitoring her spending, a debt collector is automatically getting money each month from her bank account. 


I am in agreement, my sister never should have been issued credit cards. Even after she was in a debt, XXXX sent her new credit cards. She still wanted to use them because she did not understand how she obtained the debt. Can a debt collector, collect money from her as her income is XXXX income? 


My sister is now in a XXXX home. Can the company continue to collect on her debt? I have called them, but they will not speak with me anymore. They want my sisters signature which we sent, even though it is not a legible signature at this time. The company said they did not have the letter.
IQ Data International made a phone call to my cellphone after they have received and signed for a letter informing them not to call, that I will only conduct business with them in written correspondence.
I am behind on my mortgage due to XXXX XXXX XXXX and it 's complications. I have been awarded Social Security XXXX, and have notified my lender of such. I am working with XXXX XXXX XXXX at Bayview Loan Servicing , LLC and he is aware of this. He and I are going to work with Keep Your Home California to modify my loan AS SOON AS XXXX PAYMENTS START XXXX/XXXX/2016. I have repeatedly offered to send XXXX XXXX copies of my Award Letter showing that my payments start on XXXX XXXX, 2016. He has refused, saying that he can only use a bank statement showing my first deposit. In the meantime, Bayview has started foreclosure proceedings through XXXX XXXX. I called XXXX XXXX and he said they were " just doing their due diligence, not to worry ''. In the meantime, I called XXXX XXXX and was told that XXXX XXXX gave me the wrong information. They said XXXX XXXX should talk to his legal department to have them rescind the foreclosure. I called XXXX XXXX and asked him to speak with his legal department and he refused, saying that " Everyone has a story, I ca n't call them on each and every case ''. I again asked to fax him the XXXX paperwork showing my award and first pay date. He flatly refused to accept them. Fortunately, XXXX XXXX has stated that each call is on a recorded line. I also recorded our last conversation on my end, in case his recordings get lost. I am also attaching a letter that I am faxing to XXXX XXXX. They told me they would send it on to Bayview Loan Servicing , LLC
I have filed a personal loan application with Prosper on XXXX/XXXX/2016. As I indicated in my application that I am a XXXX, Prosper did not have a specific form for this type of income statement on their website and asked to call them, which I did next day. 

On XXXX/XXXX/2016 I submitted all additional documents and was notified by Prosper that my loan is 100 % funded. 

On XXXX/XXXX/2016 I received a message from Prosper that my loan has been cancelled due to " We could not verify your employment status. '' In their message Prosper also stated that " You should re-list as soon as : You have changed your employment status to XXXX '. '' Since I did state my status as XXXX in the original application ( I am a XXXX ), this message sounded completely lunatic. 

I proceeded with e-mailing Prosper customer service and received the following reply : " We do apologize for any frustration. With the listing cancelled, you will have to relist. I have updated your employment status to XXXX. Unfortunately, you will have to submit a new application with the information updated on your account to move forward. Thank you for your patience. '' I followed Prosper 's advice and filed a XXXX application. This application has been denied due to " We are unable to accept your application at this time because our records show that we 've recently declined your request for a loan through Prosper. You are eligible to reapply 120 days after the date that your previous application was denied. We hope to see you again soon. '' While Prosper certainly has the right not to issue me a loan, Prosper does not have a right to engage in fraudulent deceptive practices and flat out lie to their loan applicants. I would like you to investigate this matter and subject the company to appropriate liability, whether in a form of a fine or any other measure of liability the Bureau will see fit. 

Thank you.
My ex-husband and I had a mortgage through Wells Fargo Bank for our personal residence when we were still married. We finalized our divorce in XXXX and the divorce decree states that my ex-husband was awarded our home, " ... including all debt attached thereto ''. I signed a Quitclaim Deed on XXXX/XXXX/XXXX releasing my interest in the home to him. I understood from him at that time that he was refinancing the mortgage. However, I have recently discovered that he did not refinance the mortgage. In addition, he failed to make mortgage payments for an extended period of time and as of late XXXX had become over {$42000.00} delinquent in payments. Wells Fargo had begun foreclosure proceedings. In XXXX, XXXX, Wells Fargo allowed him to make a " loan modification ''. That " modification '' actually rolled all delinquent funds into the loan, changed it from a 30 year fixed rate loan to an ARM, and extended the terms of the loan by 10 years. All this was done without my knowledge or signature, yet Wells Fargo kept my name on the loan as a co-signer. I filed a complaint with Wells Fargo and was unable to resolve the issue. My credit has been significantly damaged by the delinquency of my ex-husband. This all happened after our divorce even though the divorce decree released me of all financial responsibility for the home mortgage. In answer to my complaint with Wells Fargo, they have provided me a written response saying that they will not remove my name from the " modified '' loan, and claim that the only way for this to occur is for my ex-husband to refinance the loan. Even if he were willing to do this, that would not clear my credit report of the {$42000.00} of delinquent mortgage payments that were the sole responsibility of my ex-husband. I am confident that Wells Fargo did not act appropriately in allowing my name to remain on the loan after being made aware that we were divorced, and especially in allowing a very significant " modification '' of the loan without my knowledge or consent. I can provide any documents needed.
I keep getting phone calls from High point asset phone XXXX that do not identify themselves and leave robo calls about how they are going to forward my case to someonebody. They keep calling leaving messages stating that they are trying to send me documents. I have requested in the past proof of the debt and at no avail I have not received anything in writing. They never state they are trying to collect a debt and a guy in XX/XX/XXXX named XXXX told me he wanted to me to meet with an officer someonewhere to deliver documents. I am being threated with legal action but they cant come up with any paperwork regarding the debt.
XXXX   has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .   TransUnion just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My  credit score dro pped  XXXX  points over night, and again, no one at TransUnion can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.
On XX/XX/XXXX, I emailed e-money a copy of the cancellation letter asking them to cancel the {$400.00} loan they told me the letter was received and would cancel the loan of {$1200.00} and that I would only be responsible for {$400.00}. I emailed them again and said I would pay the money at a later date. I received an email from e-money today threating to call my job, my cell, and references that were used on the application. I can't accept calls from bill collectors on my job nor do my contacts wish to be bothered about a loan they DO NOT owe. E-Money needs to not contact me on my cell, at work, nor contact the references because they will take legal action against the company. 

I will have attached the cancellation letter I sent the company.
Since XXXX 2016 when my VA Loan Modification was implemented and Approved First Continental /XXXX has n't updated my XXXX, XXXX and XXXX Credit report .My New VA Mortgage monthly payments of {$1700.00} is not been reported to all XXXX Credit Reporting Agencies .Why? 
I am respectfully making my VA Mortgage payments on time and I like to receive credit and my credit scores to be elevated.
XXXX is claiming I have past due credit card debt with HSBC, They claim if I do n't resolve it, I am being sued for wire fraud. They left me several messages. Two of the messages that were left on XX/XX/XXXX and XX/XX/XXXX claim that if I do n't resolve this debt, I would be sued for wire fraud. 

I spoke to XXXX XXXX from XXXX XXXX XXXX on Tuesday, XX/XX/XXXX. He stated they were trying to contact me about an alleged past due credit card debt with HSBC. He said he could settle the debt that day for {$900.00} and the balance owed was {$1500.00}. He also said if I did n't make a payment arrangement with them, the balance owed would be {$6900.00} with interest and court costs. 

I then asked XXXX if he was a law firm. He said, no we 're litigators. He said if I did n't pay, I would be taken to court. I then asked him what attorney was handling this case. He claimed he had a whole network of attorneys that they worked with, but could not provide me with a name. He also claimed I was being sued for wire fraud. 

I do not believe this company has the authority to take me to court, and I do not believe past due credit card debt can be considered wire fraud. The statute of limitations for credit card debt in Arizona is six years. They are claiming the debt was charged off XX/XX/2008, therefore this debt is time-barred. I believe this company is a fraud. To my knowledge, this company making legal threats that they have no intention of carrying out is illegal. It is not standard practice for an attorney, or anybody that is in the debt collection business to claim I am being sued for wire fraud over credit card debt. I also do not believe this company works with any attorney whatsoever, and I severely doubt they have the authority to even collect these debts. Please investigate this company. Thank you.
ZENITH FINANCIAL NETWORK INC, ALSO ZFN AND ASSOCIATES ARE TRYING TO COLLECT FOR XXXX XXXX. ZFN CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.
While my husband and I were looking to sell our home and purchase a new home, his brother happened to also be looking for his first home at the same time. Our home happened to meet his need, so we decided to sell to him. His lender, XXXX XXXX with Wells Fargo Home Mortgage, stated on XX/XX/18 that in order for the final commitment to be made for his loan, XXXX XXXX needed to have " a 12 month payment history on the mortgage from the current owners ''. When trying to determine why our payment history is needed for him to get a loan, we were told by XXXX XXXX on XX/XX/18 that " When the sale is between relatives, XXXX XXXX requires the seller provide a payment history to show that the sale is not a bailout ''. I contacted my lender, my real estate agent, my lender 's underwriter, and other various people in the real-estate field on XX/XX/18 and none of them have heard of such a stipulation. When asking XXXX XXXX for what regulation this was under, we were told to read under XXXX XXXX XXXX   non-arms-length transaction section. Wells Fargo has it as a requirement for their loans because of this. But we were not provided the specific regulation number, nor does anyone we know understand why this is required of the seller whether it is an arm-length transaction or not. We were told the closing would not take place if we did not provide this documentation which put the purchase of our new home in jeopardy. In the end, I had to provide this information to XXXX XXXX with Wells Fargo on XX/XX/18 in order for the selling process on my home to be able to continue. I am still bothered by the fact that I had to provide this information when no one else in this field has ever heard of or done this before. We feel this is a violation of our privacy as our payment history has nothing to do with my brother in law 's loan and his ability to pay on it. I would like this invesitgated further and more information to be provided to me if this was a legitimate need for Wells Fargo to approve my brother in law 's loan.
I disputed Santander Consumer USA over a year ago. The account was then removed from my credit file. However, it was reinserted with notifying me via mail! In accordance with the compliance of the FCRA, I am requesting their compliance with any and all of the provisions. FCRA 611 ( 15 U.S.C 1681i ). I did not receive no notification and demand they remove this account from any reporting bureau.
My complaint is against Ocwen Loan Servicing , LLC ( www.ocwen.com ) ; Research Dept. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; Loan # XXXX Ocwen has erroneously billed me for triple the amount of my regular payment. They are threatening to report judgement against me to credit bureau 's if I do not pay it by a specific date. 
I have consistently paid my amount due on time plus an additional amount to apply to the principal. Ocwen never informed me of a change in payment due or change in terms of the loan. Ocwen applied my payment to a " suspense account '' and showed that it was a partial payment. This is wrong. 
Some bills did not show any detail of my payments. Other bills have shown inconsistent payments due each month. No one from Ocwen will explain their inconsistencies. Each call results in speaking with a different representative with a foreign accent who gives first name only and a number. They suggest that I write or call the research department. I have done that many times. No one has made the corrections yet. 
I have read several complaints about Ocwen, Indymac, and XXXX XXXX. Properties have been foreclosed on due to their erroneous billings. 
I am requesting that my account detail be corrected. I would like my payments to be consistent ( retroactively ) with the amount due that was agreed upon. I want my payments applied correctly. I want a written statement to confirm that the corrections have been done. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; or XXXX XXXX.
I financed my car through XXXX XXXX. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month XXXX takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and XXXX XXXX  numerous times yet the late payments remain and every single month I am paying XXXX on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!
I had recently filed a complaint about Compass Bank. They were denying me any reimbursement of my personal property that was left in the vehicle after a repossession. They are denying me for the reason that it was not listed in their report. The items were in the consoled of the vehicle and were not out in the open. They can not just donated or discard personal property such as eyeglasses and prescription medication. Those are important and necessary for my everyday life.
XX/XX/XXXX I applied and was authorized for my first American Express Platinum Delta SkyMiles Credit Card with rewards of XXXX bonus miles, XXXX Medallion Qualification Miles after spending {$3000.00} or more in purchases with the new card within 3 months and {$100.00} statement credit after making a Delta purchase with the card in the first 3 months. 
XX/XX/XXXX my total charges on the card equaled {$3600.00}. However, my first card was stolen in XXXX on XX/XX/XXXX and {$1000.00} of the total {$3600.00} was credited to a new replacement XXXX XXXX Platinum card with a different number. 
In XX/XX/XXXX and XX/XX/XXXX I made 4-5 calls to XXXX customer service and was told on more than one call by the representative ( in some cases after holding for a long time while the person spoke to the accounting department ) that I DID INDEED meet the required total charges on the card and I should be receiving the awards. On XX/XX/XXXX I was told it takes 3-4 weeks to correct this. It has now been 5 weeks and I still have not received any promised rewards nor have I received any communication from American Express about the situation.
When I signed up for the American Express Premier Rewards card, I was offered XXXX membership rewards points for a spending of {$2000.00} in eligible purchases within the first 3 months of the account opening which should be before XXXX/XXXX/2016. 
I completed the spending requirement of {$2000.00} in eligible purchases on XXXX/XXXX/2016 but I still have n't received my bonus offer points. After chatting with an American Express representative named XXXX through the American express online chat on XXXX/XXXX/2016, XXXX at first told me that I did not meet the {$2000.00} requirement. But after he and I went through all the transactions, he confirmed that I made over {$2000.00} in spending of eligible purchases.