WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a credit card in 2015. When I was notified of my score by that institution, I knew something was wrong with the lower score and applied for a free credit report from XXXX since this was the agency used by the financial institution. XXXX showed a past due debt of {$400.00}, originally over {$600.00}, to XXXX. My TV and internet service are with XXXX, however, I have paid them on time every month. I then called XXXX to learn more about the debt, especially since I have never received anything from them of the debt. I was informed the debt originated in XXXX IL by someone with my name and SSN but the acct number does not match mine in TN. Over the course of 8 months, I have spoken with at least XXXX XXXX personnel and faxed info to prove my identity and residence to various phone numbers only to be told they did not receive it. I even filed a police report and sent a copy of that in case this was an identity theft issue. I disputed the reporting with XXXX but got nowhere. Now the account is with Convergent Collections who wrote me a letter this month. I have responded to that letter making them aware I will not pay a debt that is not mine and gave them a history of tasks I have done to prove this. Today, I again, faxed the same/additional info to XXXX after speaking with a rep named XXXX. I feel this is an internal error with XXXX as I have monitored my credit reports and there are no ill reports on my bureau. In the time that has elapsed, if someone had stolen my identity, there would be more than a past due XXXX bill in the report. I can not get anywhere with anyone from XXXX to help with this issue. I have requested a copy of the past due debt from XXXX and Convergent and disputed the debt again with XXXX. I am XXXX yrs old and have always paid my debts on time. My credit score has always been excellent. I do not deserve to have to deal with problems such as this. These huge companies should not be able to ruin peoples lives. If XXXX has a debt I owe, they should be willing to produce a bill or notice of proof. Please help.
I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR ONE OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there XXXX of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my infoWhen I receive a tax notice from the Commonwealth of XXXX using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than 8 years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year 2010 when that is n't true - this is something I 've just recently put XXXX and XXXX together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theftWhen I get a letter from XXXX Food Stamps agency that says my application file was accidentally opened and opened by an agency in a different county than mine...
My wife and I have been contacted by a company claiming that we owe a debt that was originally a   XXXX   XXXX   credit card. This debt does not show on either of our credit reports and the company has not provided any written communication. They have claimed to have mailed a letter and filed a complaint with the court but neither have happened. They continue to call and harass family members and friends and have now started calling my employer on several occasions even after I asked them not to. They have said that the name of the company  is Platinum Holdings and keep sa ying that they are calling from the legal department. I have no other recourse to stop these actions from happening. I just received the most recent call on  XXXX  from them and spoke to an associate named  XXXX   XXXX . He says he will not stop calling my employer and family and friends until the debt is paid but yet refuses to provide any written communication or explain why the debt does not show on either my wife and I 's credit reports.  XXXX  is the phone number that I most recently got a call from and it appears to be in  XXXX , CA.
My husband and I applied for a loan modification through PHH mortgage after missing payments, which we had been instructed to do by the mortgage company in order to get a modification started. We had not missed a payment in over 7 years at that point. Once we received the modification and agreed to it, we made 3 good faith payments on time. They sent us the final documents and my information was incorrect. We sent copies of my license and SS card as instructed and then never heard anything back. We called and left messages several times a week for months until we were finally notified via mail that a foreclosure was imminent because we had " declined '' their offer, when in reality we just wanted to make sure the papers were correct. Now we are being told we can agree again but owe the months leading up to this when they failed to do their job in a lump sum.
On Friday, XX/XX/2018, I logged into my Western Union account to send money to an individual I had sent money to in the past. I put in all the required information and checked the card information twice. I tried unsuccessfully 4 times to send the money as I kept getting an error message via the website. I then called my financial institution to see if there was an issue with my card and was told no, that funds were available that they could see the transactions put they were coming through as {$0.00}. I then tried again with my financial institution on the phone and the transaction was still declined via Western Union. I then called Western Union to see what the issue was. I was told that even though I had sent money to this person before using the same card, that Western Union had put a block on my card. I wasn't given a reason or anything. And then the representative said I could call someone else.
On XXXX XXXX 2015, at approximately XXXX CST, my wife received a call. The call was from a man, a representative of Capital Accounts ( XXXX ) who said his name was XXXX XXXX. He stated that he was calling about an alleged debt for me, XXXX XXXX. XXXX requested that my wife verify her identity. My wife, XXXX, refused to verify her identity to some strange man over the phone. Then XXXX gets the brilliant idea of asking my wife to verify the account holder and proceeds to release my entire social security number to an unverified third party over the phone. The debt was related to a medical office which I 've never entered. Further, upon contacting said medical office I was told that they do not have a record of my social security number and could n't have released it to the collection agency. 

In summary, I was contacted by " XXXX XXXX '' of Capital Accounts ( XXXX ) about a debt that did n't belong to me. XXXX XXXX found and released my full social security number to a third party.
Troubles Ocwen Loan Servicing, the white collar crime operation, and its outside attorney XXXX XXXX are offering me hundreds of thousands of dollars in a increased balloon payment loan modification with thousands in increased bogus mortgage payments to embezzle my property to increase its revenue. I will provide the court with evidence of the pretender lender loan servicers years of embezzlement crimes and I will bring in my law enforcement witnesses and physicians who will testify under oath which will bring the white collar crime pretender lender loan servicer to justice. Discovery is happening very soon : ) I am still waiting for the questionable CFPB agency to take enforcement action against Ocwen Loan Servicing, the pretender lender loan servicer that has many years of white collar crimes swept under its smelly carpet. I reject the fraudulent loan modification attached.
I attempted to contact Equifax to place a consumer statement on my account ( s ) for several accounts. They told me I needed to use the online dispute process, which in turn sent out an electronic verification back to the creditors, and entered updated dates to files that have been sitting dormant for almost 6+ years. This not only KILLED my credit score litterally overnight ( from a XXXX to XXXX ) in less than 10 days - but they 've also messed up the accounts. Now, what was showing as XXXX negative accounts have jumped to XXXX negative accounts, some showing duplicate entries, others reactivating a long-since closed loan, showing that I 'm now 120+ days past due, and that I owe over {$230000.00} on that account. 

When I called an spoke with supervisors to have them fix the incorrect investigation and fix the errors on my file they claim the do n't have access to the file and that it would be illegal for them to make changes to my file. They then tell me to contact the creditor directly. When I contact the creditor, they claim that I need to contact the Credit Company and initiate a dispute. There is nobody anywhere within Equifax that is willing to take responsiblity for messing up my credit report, and now fixing it.
Called Chase bank XX/XX/2018 regarding my ridiculously high APR on my 3 credit cards with them. My APR is 24.99 % and my credit score is in the low 700 's. I have been with Chase for over 3 1/2 years and I have never missed a payment. I was told by a supervisor that they don't negotiate APR 's, and that I am getting the best rate on my account. I also have a 0 balance on all 3 of my cards with them. The only reason I am still with them is that they are decent at raising my limits but bad at lowering my APR, because they never have.

In closing I would appreciate you look into this company and others like it, when they become to big to care for the little guys, they will lose all in the end from their greedy ways. Thanks for the help in advance.
I filed a complaint against PNC Mortgage in XXXX or XXXX against the process thy use to process they use for providing a mortgage modification, During that time I provided them I provided tyhem with all the requirements for a HARP mortgage modification based on the fact that I had retired in XXXX of this year and my wife lost her job in XXXX also. They changed the dates required for responding to my complaints and moved forward with a foreclosue date. The date was cancelled and changed a couple of times because they were not being honest with my wife and I. I no longer trusted PNC and decided to perform a short. My real estate agent XXXX XXXX, XXXX received permission to enter the process as my spokesperson with PNC in order to carry out the short sale. To my knowledge he received permission from PNC to perform the short sale and begfin getting the property ready in XXXX, he immediately received a offer in the amount of {$450000.00} for the property which is more than fair considering the property is under water. Recently PNC informed XXXX XXXX that they were not going to accept the dshort sale because we had not provided XXXX documents, Profits and loss statements for my wife ( which they do have, and tax documents for XXXX and XXXX, they have XXXX, and we werer given permission by the IRS to filer our XXXX taxes late, They also stated thzat we failed to meet the 38 day requirement for sending them documents that they in fact already had. According to many real estate agents the 38 day requirement does not exist The fact that they gave my agent above permission to sale is the only requirement I needed to move forward. We have done everything requested of us during this two year process and PNC has not been honest with us, they change contact staff for me constantly and I am unable to make contact with that person and therefore I am constantly speaking with someone different each time I attempt to contact PNC. They constanly start the process over requesting the same package and documents that I have already faxed to them.You currently have a complaint on record filed against PNC with recommendations from Senators XXXX XXXX, and XXXX XXXX informing me that should file a complaint with your agency and now I mus t file again because they are foreclosing on my property on XXXX XXXX, and I feel that they have no right to carry out this un fair procedure, We need help immediately.XXXX
Hello, I have a student loan with  Navient  for approximately  XXXX . I have a family member who co-signed on the loan for me and I have been trying to get him removed. When they pulled my credit report there is an old judgment from  XXXX   XXXX  from    2011. I had  my wages garnished until the loan was paid in-full and closed. This is the ONLY thing negative on my report. I desperately have been trying to get this removed and have had no success. It 's been 7 years! Do n't they have to remove it at   7  y rs? I will do whatever it takes to get this removed. It has cost me my relationship with my brother and his family.   Please help!
I was made aware of a purported debt many months after it had been sent to collection. I have never received a notice, call or letter from the collection agency ( Optima Recovery Services ) but they reported the debt to the credit bureaus and now my credit score has dropped significantly. 

I sent a certified letter to Optima Recovery Services in XXXX 2015. The letter explained I did not owe the debt and included a copy of the cleared check showing the item had been paid. 

I received no response from Optima and the item is still on my credit report.
XXXX XXXX XXXX XXXX XXXX sold my mortgage loan to Select Portfolio Services. The initial date of non payment was XXXX. Both companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt
On XX/XX/2018, I visited Citibank XXXX XXXX and opened a checking account. My account number is XXXX. I was served by XXXX, XXXX XXXX. He promised me I could receive a XXXX dollar bonus after I deposit XXXX bucks in 30 days and keep it for 90 days. I did accept this offer and I did a deposit. 

Later, I wait till XXXX and there is no bonus appear. I went to CITIBANK online chat and was told I have to wait till XXXX. Then I wait till XXXX. and no bonus appear. I made another online chat on XX/XX/2018, and was told I have to send my XXXX form because of the banker 's mistake. The person I chat with is named XXXX. She confirmed my bonus, and said I have to wait another 14 days. Well, I send the form to Citibank, and then I wait another 2 weeks. 

Today on XX/XX/2018. I made a third-time online chat. The customer representative named XXXX said she can not find the account bonus, refused to do further investigation for me, and urge me to go to branch, which is 300 miles from my current address. She said the bonus is end on XXXX. But at the moment I check with them on XXXX and XXXX., they just let me wait!
I closed on my loan with XXXX XXXX XXXX Mortgage on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that my loan was sold and none of the terms and conditions be would changed My loan was sold and Flag Star Bank   become the severer of my loan payments would be on XX/XX/XXXX with Flag Star Bank. I received a letter around the end of XXXX from Flag Star stating I did not have flood insurance I contacted Flag Star insurance department and gave them the policy number of my insurance and that my Home Owners and Flood policy were all in one they said ok and would update it. About month later in XXXX I received another letter stating I did not have flood insurance this time I contacted my insurance company and had them contact Flag Star to get them what they need once again I thought this was resolved since my insurance company rep told me they had contacted XXXX XXXX Mortgage who was the actual holder of my loan and that Flag Star was the severer of the loan and that they would let Flag Star know my coverage was good. A month later in XXXX I get a final notice stating I did not have flood coverage and they would purchase a force policy for XXXX dollars if I did not show proof of coverage for which I have already done three times now. I final sent an email to Flag Star and they responded on XX/XX/XXXX saying my policy was not good enough since it only gave a 30 day notice of cancelation instead of a 45 day notice so even though the policy was good enough and meet all the original lenders requirements at closing and was purchase out of my escrow paid in full account and is in effect from XX/XX/XXXX thru XX/XX/XXXX now that Flag Star is saying it's no good. I do not believe they should be able to change the terms or conditions of the loan after they purchase it from another company which meet all the original lenders requirements I could understand if Flag Star was saying at the time of renewal of your policy you will have to get an updated flood policy that meets the 45 day notice but they are insisting I get one now and that my current policy is not good even though it's been paid for and meets all of the original lenders requirement. They have currently took XXXX dollars out of my escrow and cause an escrow shortage. They also show in their letter that my old policy expired on XXXX XXXX I never had a policy that expired on XX/XX/XXXX there records are not even correct and they will not even admit they are incorrect. Also the forced policy they did for XXXX violates Texas Law they can not force you to cover land in your flood policy
A friend of mine is sending me money and he used a feature of sending money over phone using the Mobile banking feature of BANK Of America where one can send money using the mobile number. 
In my case on XXXX XXXX he initiated {$1.00} test transaction from the mobil banking from his mobile and i received a message from bank of america saying a friend has initiated a transaction and amount will be credited to my account. 
after which i he made XXXX more transaction totaling to XXXX $ and i received Message alerts for all the transaction. 
Now when i check my account i do not see the amount. I called Bank of america and they mentioned at the time of transfer i am not registered with my phone number but someone else is registerd ( maybe previous mobile ph number user ) so when my friend transferred money was taken from his account and was sent to the XXXX person. and currently Bank of america collected all the details and are in process of filing a claim. which if the XXXX person agrees they will refund the amount to my friend. 
If they do NOT agree, i dont get my money back and Bank is not taking liability for this amount.
di tech has provided another style of mortgage statement. The statement indicates statement date : XXXX/XXXX/2016 and statement due date : XXXX/XXXX/2016. Due to the date of receipt of the statement taking place on/about XXXX/XXXX/2016, I view the XXXX/XXXX/2016 date as a false assertion on the part of ditech. In order to resolve this lack of confidence in the ability of ditech to conduct business in a clear transparent fashion, I request for CFPB to review the mailing and document dating practices of ditech. With respect to the dating of statements I request for CFPB to require ditech to date the monthly statements with the actual date of preparation and the actual date of submission to the US Postal Service for delivery to the mortgage obligees.
Ditech Financial LLC XXXX informed me by letter on XXXX XXXX 2016 that my XXXX 2016 mortgage payment received XXXX 2016 was returned unpaid. 
In fact, my payment are all made electronically from my checking account. All payment XXXX, XXXX and XXXX were made and all cashed by Ditech according to my Bank. My Bank account statements all show all payments to Ditech made and cashed and no returns. Since XXXX to date XXXX 2016, I have provided Ditech with faxed images of all the checks they cashed and my bank statements reflecting my good faith payments and no returns by Ditech. To date, this issue is unresolved and I am begin to suspect a mortgage scam possibility of an artificially created late payment by Ditech Financial LLC. My Ditech Mortgage Company monthly statement show no such problem.
On or about Monday, XX/XX/2018, I submitted a XXXX orders from XXXX 's to be shipped to my granddaughter, to XXXX, NY. I put the wrong billing address for the bill to be paid on my charge card. I have called on several occasions to correct the problem. I am told it is to late. The problem is I don't want my credit card number going to this address. I have spoken to several workers, XXXX, XXXX XXXX and XXXX XXXX. 
I am told they have fixed it and I should be getting an email since Monday. ( XXXX ). The order number is XXXX. When I called today it is the same problem.
my wife and I borrowed money from XXXX for a debt consolidation unaware that it was to be payed back in full in 10 years. after the 10 year period we where told our loan was sent to SLS Loan at XXXX this was XXXX after a year of sending in all documents required they would say information was late, needed to be resent again and again till we got my lawyer. Now with my lawyer we have tried to pay off debt since XXXX of XXXX only to be told info was late again or just not return our phone calls nor my lawyer. We would like to pay loan amount off and keep our house but they wont talk to us, we still have checks sent to SLS monthly for XXXX $ but they return them ... .we have been to SLS website and has noted we are not the only ones having this problem, and learned they are not favorable on XXXX website as well. PLEASE HELP US IN ANYWAY, PLEASE CALL SLS SO WE CAN MOVE ON, PAY OUR DEBT, AND KEEP OUR HOUSE!
I had a Wells Fargo Home Mortgage. 
I applied for a home mortgage modification around XX/XX/XXXX/XX/XX/XXXX Wells Fargo Changed my payment schedule And I payed It just as they had instructed me to do on the dates they told to. And now I find out that they reported me to the Credit Bureaus as ( 30 day late payments ) on on numerous occasions. 
The address of the house Mortgage is XXXX, Ga XXXX And Oh by the way, They never modified the mortgage at all.