WillisBack/dataset-financial-user-claim huggingface dataset:
Account Name : Credit Protection Association Account XXXX This account is not mine as my social security number was given by another person, Identity theft, and no valid and consistent explanations of fraudulent debt This account was disputed directly with Credit Protection and they continue to fail to provide adequate proof of this account. This account is disputed as : -This Creditor, Credit Protection Association , has been verified through Florida Office of Financial Regulation , as NOT having an Active License in the State of Florida . - this account belongs to my Ex-husband and I was never notified or have permission for him to transfer his account to my Social security number. -I was never notified of this debt, even with my address change & forwarding set up & documented with USPS . -No Signed Contract & account was " Transferred to my social '', without my knowledge & permission, and not created by my with approval. -Multiple changes in explaining the charges of this disputed account. -When asked, the Credit Protection rep confirmed that His Social Security number used to create the account was not valid, thus leaving my social security number, fraudulently added, on account. -When asked for Proof, I was sent print screens images of the Amount due, not a detailed list of charges they are billing for. I was told XXXX different excuses on why the account was originally reported as {$370.00} but now reports as {$630.00}. -My name is reflected wrong on this account. This is the only account that reflects my name wrong, XXXX XXXX ( Identification number XXXX ). I never have used or authorized this name to reflect as such. All Aliases are reflected on my credit report. This disputed & fraudulent account is the only account reporting a wrong name. Lastly, I am demanding this account be removed as I have provide adequate reasons to why this debt is fraudulent & not mine. In the event that no record exists, please delete this damaging account information. <P/>Account Name : Credit Protection Association Account XXXX Your report number : XXXX
On XX/XX/XXXX I noticed an inquiry from XXXX XXXX that I did not authorize so I called Experian immediately. I was advised that I had to contact XXXX Bank using the information that they ( Experian ) provided on the credit report. I wrote XXXX XXXX on that same day, XX/XX/XXXX to remove the unauthorized inquiry using the address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CO XXXX. This was the address provided by Experian. On XX/XX/XXXX, I received a " Return to Sender '' notice on the same letter that I sent to XXXX XXXX. I checked the address that I wrote on the envelope and it was exactly how it was provided on my Experian report. Therefore, because Experian is providing inaccurate information, I want the inquiry removed.
I keep getting calls from this number XXXX asking for XXXX XXXX. There is usually a real agent on the phone and i have told them on at leas XXXX occasions to take me off their call list because this is my work cell phone. I continue to get these calls without fail everyday at XXXX. 
I have also received automated collection calls from other numbers from different area codes for this person ( at different times in the day ) which mention that this person ( XXXX ) is being collected on for unpaid debt. For some reason they have my work cell.
I opened an American Express account in XXXX, when I was XXXX XXXX XXXX. I overcharged that account and was unable to pay the amount in full at the end of the month. I explained to the bank that my parent had had XXXX XXXX XXXX and I needed time to pay off the debt. Those requests were ignored and the amount was sent into collection and the account was closed without any discussion. I also was not notified at that time that I could dispute the debt. I immediately paid off the debt using all resources available to me and the delinquency is still reported on my credit report, 5 years later, even though it was charged off, even though I was never contacted about being able to dispute the debt and even despite my many requests for assistance. 

American Express treated me unfairly and trapped me when I was XXXX into a situation that I could not get out of without help from external sources. It is still affecting my credit score and life opportunities 5 years later.
Portfolio recovery bought a debt that was in my name but was not mine Enclosed is a letter from furnisher stating that the debt was not mine I have contacted Portfolio recovery and credit reporting companies to remove this from my credit report all refuse to do so. portfolio recovery need to remove the credit companies did an investigation and portfolio came back verified please get them to remove it at once they have damaged my credit enought enclosed is a copy of letter
I do not know who the second round is but I just want to get this taken care of as quickly as possible
I am starting to be harassed by phone for XXXX for my American Express credit card. I want this to terminate from happening. Thanks for looking in to this matter. I am sick and tired of this Bank harassing me for payment.
I have filed a previous complaint against Chase bank regarding account ending in XXXX. My identity was stolen and there was a chase bank card opened under my name. I sent in my police report with all the information. Chase bank proceeded to tell me that they are finding the account valid due to payments coming out of my checking account. They have 4 different checking accounts listed making payments. 2 which are on my police report as fraudulent and 2 which I have never heard of. They stated that there were payments made out of XXXX XXXX  ( which are on my report as fraudulent ), and the signature on the bottom of the check does not even match mine, a bank named XXXX which I have never owned and XXXX XXXX  which I have never had an account with. I asked for proof of these accounts and if they showed my name. You can see from the copies I have attached that the name on XXXX does not belong to me nor is it the same business name or address with XXXX   number. I have also requested that the charges on the card be investigated and they have refused to fulfill my request. This account was not opened by myself. My identity and all personal information was stolen to open this and other accounts as they have seen on my police report. I want the charges reviewd and I want to know how you can hold someone responsible when the payments are not even coming out of an account that belongs to me. This needs to be addressed immediately
Chase has failed to refund my money, to appropriately investigate claims and have charged me exuberant fees. I 'd like my money back. See the communications below. In addition, they have placed me on extensive holds, drop calls, etc ... This ordeal has been going on for over 6 months. In addition, XXXX is at fault they have been systematically double billing subscription fees and when you attempt to recover they state that they can only go back a month. In addition, it appears that they are scheming on data usage as well. There is no way for the consumer to know whether they are actually getting the amount of data purported. 


XXXX/XXXX/XXXX This letter was faxed to your department twice regarding Chase 's failure to appropriately process this claim, investigate and refund my money reference current claim no. XXXX I would like my funds and associated fees deposited into my account without further delay or I will begin the process of reporting these matters to the Consumer Financial Protection Agency. 

XXXX XXXX XXXX XXXX/XXXX/XXXX Attention : Chase Customer Claims I spoke with XXXX XXXX and they stated that the bank should credit me back for the over charges and to contact the bank again. XXXX XXXX has been double billing my account and there are XXXX additional double billings in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX each that you denied. These charges are not authorized. There is an additional {$350.00} in overdraft fees that has not been credited to my account as promised. The claim for {$75.00} filed for XXXX/XXXX/XXXX has not been processed. I would like these funds credit to my account totaling {$620.00} today XXXX/XXXX/XXXX without any further delay. 

Thank you, XXXX XXXX XXXX Account Ending XXXX
This complaint is linked to a previous case XXXX : My mortgage company has been paying the premium on my homeowners insurance per the initial terms of the mortgage. I have been receiving communications since XX/XX/XXXX that there was a lapse in homeowners insurance coverage from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and I am being asked to pay the mortgage company over {$4500.00} to obtain coverage for the same period. I have tried to resolve this with the mortgage company through written ( email ) and phone communications yet I have not been offered a proper resolution to the issue. I do n't understand being charged an excess of {$4500.00} to cover homeowners insurance for a less than four months period of time. I have tried to obtain coverage for the period in question on my own, but I am unable to get an insurance company to write a policy for a period in the past. 
Update XXXX/XXXX/XXXX : I still continue to receive notifications from South Pacific Financial that my escrow account has insufficient funds as a result of the above. Please see attached letter where I am now being charges {$2300.00} for the Principle, Interest, Required Escrow and Shortage Surplus spread despite the fact that South Pacific Financial had previously answered complaint XXXX with a statement that they would be making this payment on my behalf. Please reference XXXX for the statement made by South Pacific Financial. I have contacted the mortgage firm via email. My next mortgage payment is due XXXX XXXX XXXX and I need a correction made before then to avoid the overage charge. 
To be clear, this is all the result of negligent oversight on the part of South Pacific Financial. They failed to furnish property insurance for the time period in question. As such, the home had no insurance during the period in question.
Discharge all student loan alleged debt due to false certifications, unlawfully retained refunds and identity theft used to obtain money from U.S. Department of Education that was secured by academic institutions, suspend and or terminate Program Participation Agreements of all who engaged in Program Integrity violations for failure to maintain fiscal management controls over Title IV funds between XX/XX/XXXX through XX/XX/XXXX that resulted in mismanagement of federal funds. 

Navient as servicer with an existing PPA with the U.S. Department of Education who have participated in concealing over {$38000.00} in students loans that were refunded to it on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  for Loans 1 & 2 for {$10000.00} ; it failed to disclose until I, the borrower investigated that occurred on XX/XX/XXXX and on or about XX/XX/XXXX loan from XXXX XXXX XXXX XXXX XXXX who refunded Loan # 6 to  XXXX XXXX for {$5000.00}. Collectively these three loans XXXX 1 & 2, XXXX loan # 6 today with principal and interest total more than {$38000.00} because of its failure to deduct these refunded student loan debts from my National Student Loan Data System and national Credit Reports. Further since Navient breached it fiduciary duty owed to the U.S. Department of Education it has caused its liability, then all fees, charges and debts associated with these three loans in particular should be the debt of Navient and Navient alone. Navient 's PPA should as a matter of law for massive mismanagement of Title IV Higher Education Act of XX/XX/XXXX taxpayer money should be terminated from further participation in the student loan and federally insured programs of the federal government. 

With regard to XXXX, it similarly caused the liability to the U.S. Department of Education for its willful misrepresentations made to the AWH Hearing and Tribunals group on or about XX/XX/XXXX or thereabout alleging a debt due and owing from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Had XXXX conducted an investigation as is part of its PPA due diligence responsibilities before defaulting Loans 11 & 12, it would have learned the cost of attendance was less than {$3000.00} for the two semesters attended, i.e., Fall XX/XX/XXXX and Spring XX/XX/XXXX ; further, it would have learned that XXXX retained unlawfully {$18000.00} of the {$21000.00} it received from the U.S. Department of Education. Since XXXX and XXXX caused the liability of the U.S. Department of  Education that XXXX and XXXX should be held liable for their respective breaches of the fiduciary duty both owe to the U.S. Department of Education. All associated debts, interest, fees and other charges as a matter of law should be their debt and their debts alone. I am but a borrower. I was forced to conduct an investigation to prove I do not owe the alleged debts reported incorrectly on the National Student Loan Data System report filled in and completed by unconscionable acts of massive fraud by PPA holders.
I opened an account with Simple, which used Compass Bank as the bank partner. On XXXX XXXX, a garnishment was placed on the account, and the account was locked. On XXXX XXXX, a deposit was denied due to the locked account. In second attempt, on XXXX XXXX, that deposit was allowed. Now the deposit is being held by the bank. This money is not supposed to be in the account in the first place. Simple refuses to release that money. If the account is locked, how can a deposit be accepted? 

Simple refuses to help and refuses to admit their error. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Good afternoon, I would like to know if there is a consumer protection law that protects individuals against wrongful foreclosures? 
Wells Fargo did an auto draft from my account twice a month for eleven years. It turns out that Wells Fargo applied my monthly payments to a wrong account for six months and foreclosed on us. I found out that I was being foreclosed on by a piece of mail sent to me from a lawyer stating how to avoid foreclosure. I looked up my credit report to find out I was in per-foreclosure. My wife contacted them and told them what was happening and the Wells Fargo employee stated that they could see on the computer where our money was going, but they could not pull it out of the wrong account and apply it to the correct account because we were in the process of foreclosure. 
There was no written correspondence or phone calls prior to being evicted. Once the foreclosure took place, we were contacted by Wells Fargo 's appointed lawyer and real estate agent, both stated that they wish they could say this was the first time, but it was not. Do I have any retribution? 
We contacted six lawyers and none of them would take the case. They all said that they did not want to go up against one of the big banks. They also stated that in the Commonwealth of Virginia, the state will side of the lender ninety-nine percent of the time. This is wrong and something needs to be done. 
I feel that this all started when my wife inquired about a loan modification and we were told that we did not qualify. Shortly afterwards, we were contacted again and were told that they made a mistake and that we did qualify. My wife resubmitted paperwork and they did nothing with it. It was approximately six months later, we found out that we were being foreclosed on by a mail advertisement. After research, many others have been foreclosed on when they did loan modifications or inquired about it. This information was found on XXXX XXXX website. 

V/R XXXX XXXX
There are two issues I have with the app XXXX, which seems either owned or associated with the company Early Warning Services , LLC, of XXXX, AZ. 
1 ) this company seems to discriminate against low income people, including minorities and the XXXX like myself, because they will not allow individuals with free or low cost mobile phone service to receive or send money through their money transfer service. Specifically, I was told by their rep that the mobile phone company that I use needs to have a physical presence in my state, where I could go pay my phone bill. This seems designed to make the poor have to go out of their home and pay for sending or receiving money. 
2 ) This company enabled me to register for their service through their app. I was able to enter all of my information, including my full name, address, full debit card information, user name and password. They verified both my phone number and email address. This company 's app then stopped working. When I called their customer service number to find out why this happened, I was told that my phone number did not qualify for their service because I was getting free phone service. I then asked them to delete all my information from their servers, but my information still appears on their server. For example, it seems they have black listed my name, my phone number and email address. Instead, in their servers I should appear as if I were never their customer ( because I never really was ).
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX   XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXXXXXX  and XXXX XXXX XXXX XXXXXXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im  TRYING TO BUY A HOUSE
On XX/XX/XXXX at about XXXX, I XXXX XXXX the XXXX/XXXX of XXXX  XXXX XXXX in XXXX Maryland got a call from a Bank of American representative, She asked if I had made any online transfers within the past 24hrs.I said No. She told me to report to my local Bank Of American branch because some suspicious transactions has been noticed on my account.

I immediately reported to my local branch and it was discovered that some funds totally {$44000.00} has been illegally transferred from my account by unauthorized personals, who I do not know nor have any sort of of business relationship with.

The branch officer contacted Mr. XXXX XXXX, Bank Of American ; s small business representative. A decision was made to close the account and stop all my online transaction until the fraud issue is resolved. An investigation was also initiated to have the issue resolved. 
On XX/XX/XXXX I got a call and subsequently a letter from Ms XXXX XXXX from Bank Of American fraud department which indirectly accused me of knowing of the fraud because it was not possible for someone to go to my account to conduct such transaction. I told Ms XXXX that I do not know these individuals nor have I authorize anyone to conduct business on my behalf. They also indicated that, for such transfers to be made from my account that a notice must be sent to my phone by Bank Of America, no notice of such transaction was sent to my phone.They have also indicated that my phone might have been ported that could be the reason I did not receive any notice of the transactions on my phone. I have gotten my phone records during this period from XXXX XXXX XXXX which shows that my phone was not ported nor did I receive any message from Bank Of America.

A request for Bank Of America to reconsider their decisions was filed and up till now they have decided not to speak with me, respond to to my emails, nor my attorney 's mails or emails.

Is quiet unfortunate that I have been treated so bad by the staffs of Bank Of America especially XXXX XXXX despite the fact that I have been a loyal customer to Bank of America for over 12 years of being in business.
The company Cash Central called me on XXXX/XXXX/15 at XXXX California XXXX. It is against policy that they call that early,.
I had know ideal I had this account with XXXX XXXX Whom the sellers are XXXX XXXX. Until I seen it on my credit and a notice of payment. I then contacted XXXX XXXX XXXX XXXX informed me they had turned it over to XXXX XXXX I need to get in contact with XXXX XXXX XXXX I didn't get a good response. I then hired an Attorney made a police report put a freeze on my credit a fraud alert. The Attorney worked very with them conference calls, Documents. A signed affidavit. and more. XXXX XXXX sent me some documents showing what was purchase. I explained to XXXX XXXX, We had rented out rooms to some boarders but I had never seen any of that merchandise. Whoever the person was made payments on the items, I had know ideal what was going on At the time all this was happening I was taking care of my ill husband who died at home. I had know time to do any of these thing. also XXXX ware coming and going, They even told me I need a break but I never left my husband side. Everything he need was being delivered by different drivers. I took very good care of him, until he pasted on. I then stopped allowing boarders to live in our home. I had know time I mean Know time to think about shopping a XXXX XXXX, XXXX XXXX XXXX stop pursuing payment but will not release it off my credit.
fbi is involved and cc the matter- even thru fed reserve. 
teken for over 5K in a ponzi scheme ( take take take but real earnings ) on a business. My partners dont understand what that means. I was CFO and CIO, not a sales clerk. I was repeateedly harassed about my role in the company. My personal funds were coerced out of me before my personal and the business leases were due- leaving me with nothing month after month. no one else signed their name on the biz lease- I terminated it via use of police force and contacting the owner directly. I was promised XXXX the down payment and lease for 1st mo. I have yet to recieve it nearly a year later. A wire, the money order was attempted, then not paid to me upon request. Then the money was recently spent n a  car which shouldnt even be on my mothers property. Always involves my mother- who is not a part of the board of the company. Ive had lawyers throw me certified letters in service attemps when they have no business law experience. These individuals will do anything to rip people off. I want my money ( moreso my car title ) relinquished immeadiately. The debt comes from my partners- its not my mothers   responsibility. car title note ws for business- and 3d fin will not allow dispute, redaction, or comply w fraud statutes. continues to extort me for money, trying to stop tag renewal. Im out of state-if tags cant be renewed, the car vanishes when they expire. I wont get it back. I have to sell the car but I should have my title back FIRST. If forced to pay- the ripoff total rises by the exotrtion amt that 3d fin adds. biz docs are packed in local XXXX XXXX XXXX XXXX up the road.
The Collection Service of Nevada is using the court system,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and local law enforcement  XXXX   XXXX   ( fi le  XXXX  ) to steal money from me. Please see attached documents -  (  paycheck stubs, etc. ) In  XXXX  Garnishment {$1500.00} -  Collection Service  reports only {$1100.00} received and is now  XXXX ,  XXXX  trying to garnish wages for same judgment in the amount of {$1600.00} - Please do something!
The mortgage originator that worked for Wells Fargo was a XXXX and had personal financial issues. He knew my person issues - separating from a 30+ year relationship and all my financial history. He played me for which I am truly embarrassed. However, he would never have been able to do that unless he knew all of my personal information. He coerced me into a personal loan for {$30000.00}. Wells Fargo has no interest in filing a complaint against his XXXX # for me nor do they have an interest in offering up a solution. This transaction was done while working on XXXX mortgages for me and while working for Wells Fargo. Some of the personal loan information was done on WF email. He should never have been in that position with his financial history, bad credit, tax liens, etc. or because of his XXXX situation.
The company by the name of XXXX XXXX XXXX keeps re-aging the debt to make it looks current. In this case it is not.