WillisBack/dataset-financial-user-claim huggingface dataset:
These accounts have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( # XXXX ), and I am receiving my FBI report. 


Also the account with XXXX XXXX that was an authorized user account with the terminated status and {$5900.00} limit?. I have absolutely no idea whos account that is and under the FCRA 2009 ( a ) want it removed under the nature that the ownership of the account isnt even mine..
My account is NOT in collections. I have spoke with the medical center where I received treatment and verified this,
On XX/XX/2018, I applied online to received my credit report and score. I paid for it with my card ending in XXXX. I was prompted to contact Equifax after my verification. I talk with representatives twice on XX/XX/2018 and twice on XX/XX/2018. I still did not receive my score and report in which I was charged XXXX. I was instructed to take out a credit monitoring service, which I declined. I explained that I had paid for my score and report and that's all I wanted, The representative hung the phone on me twice after the repeated calls. I requested for a supervisor, who asked for another credit card to process a new order. I explained that I paid for my score and report and I will not give them another credit card for something I already paid for in advance. I have a limited income and can not afford to shell out money because of an Equifax problem. 
I did my part and paid for the product. Equifax was negligent with delivering the product.
Wells Fargo holds the servicing rights to our mortgage, but is failing to fulfill the government 's requirements when it comes to properly servicing our loan. My husband and I have had an extremely difficult time obtaining fair and equitable assistance as Wells Fargo has completely turned their backs on us. They once offered us a loan modification, but the payment was unaffordable and we are uncertain how they came up with the offer. There was no way they derived the modification from any numbers we provided and, since that time, our efforts to engage their Loss Mitigation Department has been a futile exercise. Their representatives are nice, but it appears as though they are just going through the motions to get through their day and really do n't care if we lose our home to foreclosure. My husband and I built our home in XX/XX/XXXX and put over {$600000.00} of our own money towards the construction and financed another {$600000.00}. Everything was going along fine until my husband 's business had a warehouse fire at the worst time in the economy and his income never recovered. At about the same time, my work started to slow down due the downturn of the economy ; ultimately resulting in me losing my job. We burned through our savings to keep up with the mortgage payments while we struggled to get back on our feet financially. At this time Wells Fargo made their offer, but it was impossible to make the trial plan payments. Also, I have been unemployed for awhile, but our loan has never had a review for the Unemployment Program that the Obama Administration put into effect XX/XX/XXXX. Wells Fargo dropped the ball on the modification offer, on the Unemployment Program review and thus, we believe we will lose our home to foreclosure. If we were able to get into the Unemployment Forbearance Program, it would buy us time to negotiate a better settlement with our loan as our future income picture looks a lot brighter. Currently, we have sufficient income to afford a reasonable modified mortgage payment and Wells Fargo should open a review for assistance based on our current situation ; my unemployment. We are certain this matter can be resolved if Wells Fargo took a look at our situation and follow the guidelines set by our government.
I invest in rental properties in addition to working a full-time job. I own several of the properties, but have mortgages on some. My mortgage and/or mortgage loan servicing rights were acquired by Loancare on  XXXX/XXXX/17. I was unaware that Loancare was servicing my mortgage until I noticed that my mortgage payment was not being deducted from my bank account. Loancare sent the paperwork to an old address or the rental property itself and made no further attempts it seems to contact me. My phone number has not changed since I acquired my first cell phone over ten years ago and before I ever had any mortgage. Rather than contacting me Loancare directed their efforts to sending someone to the rental property and confirming that it was still there. Oh, and assessed me a fee for doing so. I immediately made my mortgage current after learning that there was a payment due and two payments past due. I incurred late fees and my credit was negatively affected before I uncovered Loancare 's negligence. I attempted to have the negative marks on my credit removed by Loancare to no avail. I was given the e-mail address to customer support who has yet to even respond other than the automated response I received confirming customer support 's receipt of my e-mail.
For the XX/XX/XXXX-XX/XX/XXXX school year, I received a {$5300.00} FFEL Parent loan. That loan entered repayment in XX/XX/XXXX. Now, 22 years later, that loan was consolidated without my knowledge and my servicer claims I still owe more than. {$6000.00}. 
Around XXXX, I began receiving notices that my balance had increased despite all the payments I have made. Every person I spoke with assured me they would look into it and provide documentation ; except XXXX ( ID # XXXX ) at XXXX hung up on me when I called on XX/XX/XXXX. I have never received any documentation showing why or how that loan ballooned to over {$10000.00} at one point. 
When I spoke with XXXX ( ID # XXXX ) at XXXX on XX/XX/XXXX about my loan, he became irate that I was recording the call, repeatedly tried to force me to verbally agree with the balance I was disputing, that he could not provide any documentation and would destroy me if I continued to pursue the matter. I then engaged an attorney to assist me in getting the information I needed. In response, XXXX took four actions : ( 1 ) provided an unsigned loan consolidation application to the attorney ( 2 ) told the credit bureaus there was no dispute ( 3 ) reported the attorneys address as my address to the credit bureaus and ( 4 ) stopped sending monthly statements XXXX has not sent a bill to me since XX/XX/XXXX. 
There should be no remaining balance on this loan. And all my requests for a full accounting have gone unanswered. The most I have received is an accounting showing a beginning balance from an unidentified conversion in XX/XX/XXXX of {$7800.00} through XX/XX/XXXX when there was an unauthorized consolidation. What happened to all my payments? Why can no one show how the balance jumped?
Due to identity theft, I chose debt consolidation over bankruptcy. Chase account identified on credit reports as XXXX was XXXX of the accounts I have been attempting to resolve via XXXX XXXX XXXX XXXX for more than 22 months. To date XXXX XXXX has satisfactorily closed/resolved every account that accepted out attempts at resolution. Chase has refused all our attempts to resolve this issue. While we are still negotiating in good faith, they have reported my account as bad debt, placed for collection, and skip, adversely affecting my credit rating.
i had called the creditor to pay in full but wanted debt verified, they stated on the phone they already mailed me and the mail was returned. i told them they had the wrong adress on file and they stated oh well too bad we already sent you letters. if they can not verify the debt when i asked in a timely manner then how can they still say its mine. i also dont beleive the balance is correct and have asked for the balance break down and they can not supply me with the information.
American Express ( " Amex '' ) arbitrarily and fraudulently revoked XXXX American Express Membership Rewards points ( the " Points '' ) worth in excess of {$1000.00} from my credit card account without authorization and in violation of the terms of my cardmember agreement. Amex representatives had previously verbally confirmed to me that the Points would not be revoked from my account and Amex is currently refusing to honor the explicit promises made by their phone support agent. 

Full issue : I was approved for an Amex Platinum credit card on XXXX XXXX, 2016. My account was opened under an offer to receive XXXX Points after spending {$3000.00} within three months. The value of the XXXX Points is at minimum {$1000.00} based on their ability to be redeemed for credit card statement credit. I fulfilled all offer requirements with a total spend of {$5900.00} from card opening to XXXX XXXX, 2016. 

Since I had fulfilled the offer requirements, Amex deposited XXXX Points into my account on XXXX XXXX, 2016. Independent of this complaint and based on the benefits of the Amex Platinum card not meeting my expectations, I decided to cancel the account on XXXX XXXX, 2016. Before cancelling the card, I called Amex customer support and explicitly asked whether cancelling my account would result in the loss of the XXXX Points. The agent explicitly assured me that they would not, especially because I have other Amex card accounts open. Relying upon these statements, I decided to cancel the card. 

On XXXX XXXX, 2016, Amex arbitrarily and fraudulently removed XXXX Points from my account. There was no rationale provided to me. I called support to inquire and was told that this was a " corporate decision '' relating to my cancellation of the card which could not be overturned. 

The removal of the XXXX Points was fraudulent. There were no stipulations in my original agreement regarding revocation of Points in this situation. Additionally, the Amex representative explicitly promised that my Points would not be revoked upon cancellation and Amex should be bound by the promises made by its agent. 

If Amex is allowed to take away Points arbitrarily in cases like this, what is stopping them from taking away all of my Points or arbitrarily adding charges to my bill? Thanks for your help in resolving this matter.
I experienced a medical emergency from a XXXX incident relating to XXXX XXXX in my XXXX  whereby I visited local emergency room. All necessary insurance information was provide to the hospital emergency room staff during the initial admission to the emergency room. Of all of the entities that provided service to me during that visit, only one source of service providers claimed the hospital gave them no information to bill for their services rendered. All other resources were adequately and accurately billed and subsequently paid according to our insurance provider. After I initially received billing from the source in question in this case, XXXX XXXX XXXX XXXX, informed me that billing errors were routine. Billing errors are not routine as there is a standard of protocol that all medical service providers follow. XXXX XXXX had at one time also stated that the initial billing to the insurer had gone to the wrong insurance company, that it had been submitted under the wrong patient name. As routine, hospitals and subsequent medical service groups XXXX the patient ID and insurance card during registration. There should have been no reason this organization would have gotten misinformation all other sources of service that day received correctly from the emergency room who provided services to me during that visit. I have made several phone calls to gather information to provide assistance resolving this matter. It is unclear how all other entities who provided service to me that day had no issue resolving their billing and yet this organization in question were somehow completely left out of the medical billing relating information. I file this complaint because the amount of {$920.00} billed to me was not properly billed by the company and that apparently XXXX XXXX XXXX XXXX failed to verify proper data as required for services rendered.
I purchased a prepaid XXXX giftcard on XX/XX/XXXX at a XXXX grocery store in XXXX. It was loaded with {$500.00}. A few days later I opened the package and attempted to use the card and was denied. I went to check the balance online and it showed several transactions occuring the previous day, before I had even opened my package. It was clearly fraud. I immediately called the customer service for the card and submitted a fraud complaint and faxed in the information requested on XX/XX/XXXX. I was told the process would take at least 30 days and that I would be mailed out a replacement card after that. I called back on XX/XX/XXXX and was told the case was closed and denied because they had not received additional information they needed. No one had ever called or written to me to request this additional information. They said they could re-open the case if I submitted the information. I submitted the information on that date and then called back a few days later to check that they had received everything and that it was all they needed. They confirmed it was, and that I would have to wait another 30 days, for the bank to respond. After 30 days, I repeatedly called back, about twice a week, beginning XX/XX/XXXX, to find out information about my claim. No one in customer service could give me any information, other than the claim was still unresolved. On three separate occasions, the customer service said they 'escalated ' the matter, and that was all they could do. Finally, on XX/XX/XXXX, I received a voicemail telling me that the case was denied and closed again because it is now past the chargeback time frame. This is ridiculous as I submitted my claim within 2 days of the fraud occurring, and again resubmitted all the requested material ( including receipt and activation slip, copy of the front and back of the card ) only one month after that. The fact that they repeatedly delayed making a decision on my chargeback for obvious fraud seems like a strategy to push the case so far into the future that it would become 'invalidated ' because of time frame. The prepaid company seems determined to exhaust me in my attempt to resolve this, as I have called the company at least two dozen times since this case started, and they have refused, until my voicemail on XX/XX/XXXX, to even contact me regarding the case. I have been prompt in providing clear copies of all necessary documents and I find it egregious that this company has spent four months putting off a decision to me regarding this case and then claims that now the chargeback falls outside their time frame. I refuse to allow this clear case of fraud to be perpetuated.
I was granted a school loan and XXXX but was having difficulties finding a job related to my profession. I did n't have job stability and was barely able to keep up with everyday bills. I 'm at a stable financial position where I can now start paying back what was loaned
My loan was transferred From XXXX to LoanCare effective XXXX/XXXX/XXXX. I was sent documentation from my previous loan servicer informing me of the transfer as well as LoanCare 's mailing address. I subsequently sent a payment by check to LoanCare 's XXXX. XXXX on XXXX/XXXX/XXXX. 

After noticing on XXXX/XXXX/XXXX that the check had n't cleared, I contacted LoanCare 's customer service department. I was informed to place a stop payment on the check and make my first payment to LoanCare by phone. I was also informed that any fee to process payment by phone would be waived as I am a new customer. I then set up ( with the customer service representative ) an auto draft schedule for my monthly mortgage payments. 

This afternoon ( XXXX/XXXX/XXXX ), as instructed, I contacted my bank and placed a stop pay ( costing me {$30.00} ) on my initial loan payment check. I then called LoanCare to make a payment by phone to find that ( as I have n't been sent any of my loan information ( e.g. account number ) so I could setup and pay from an online account ) I could either pay a {$12.00} processing fee to pay by automated phone service, or a {$15.00} processing fee to speak to a representative and pay. I opted to speak to a person, under the impression the fee would be waived. Once I was connected to the representative, I was informed that, despite what I the previous representative stated, not only was I still subject to processing fees ( thankfully the processing fee was waived ), but that a stop payment would n't ACTUALLY stop the payment on the check. Rather, LoanCare would still try to process the stopped check and I have would be subject tp ( yet another ) fee of {$20.00} for insufficient funds.
In summary, LoanCare 's inability to process a payment in a timely manner and misinformation of it 's staff has potentially cost me an extra {$65.00} on top of my mortgage payment. This is NOT an acceptable way to begin a business relationship. And judging by the many similar scathing reviews online, I 'm not the only unhappy customer. 

How LoanCare can resolve this issue : I respectfully request that LoanCare reimburse me for the stop pay I was instructed ( by a LoanCare representative ) to place on my initial loan payment as well as any subsequent fees and fines I may be subject to pay to my personal bank ( i.e., Insufficient Funds fee ). I also request that any Insufficient Fund fees to be paid to LoanCare by the homeowner be waived.
I have no knowledge of this debt. I receive letters and calls for the past month and year about the collections. They is not mines.
Unfortunately, about 6 years ago my loan was sold to Ocwen loan servicing. I always pay my mortgage on time and submit required insurance documents. XX/XX/XXXX, I received a letter requesting a copy of my mortgage insurance documents. I submitted this to Ocwen but received a subsequent letter so I called them. They told me they hadnt recieved proof of coverage. I asked Ocwen if any requirements had changed and they said no. This year my homeowners association changed insurance providers so I contacted my HOA to please send Ocwen the proof they were asking for. I went back andforth with Ocwen for a few weeks, when come to find out XX/XX/XXXX they are requesting an interior insurance policy. I only found this out once I got a letter stating they are charging me {$1800.00} for interior insurance!! I purchased a policy in XXXX, although this has never been required before but Ocwen is now refusing to return half of the premium to me since they purchased a policy on my behalf back dated to XX/XX/XXXX, before I even received the first letter. What makes things worse is now they are again sending me letter, saying I need flood insurance. Since my condo has flood insurance I requestedd my HOA send them all the documents and called Ocwen two weeks ago and they told me I was fine that they had my flood policy on file. This past week, XX/XX/XXXX. I received another letter requesting flood insurance. I again called Ocwen, only this time was told that my existing flood policy covered the building but not the interior so I would need to purchase a policy or they would purchase one for me. Ok clearly I see that my mortgage company is running a money making scam here. They are forcing me to purchase high priced policies never before required. Why do I need an interior flood polucy when I already carry XXXX insurance policies on my XXXX bedroom condo, in excess of {$400.00} per month, and I live on the XXXX floor!! When I call to ask them, the first few times they assure me I have proper coverage, then they change the story later only to ensure they can slap me with a backdated policy and scam me for thousands. Please help me!
To whom it may concern : TransUnion & XXXX XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. 
Inaccurate items : XXXX XXXX XXXX All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. 
Sincerely XXXX XXXX
I have contract Equifax four over five month back and forth about credit report and the Inquiry on my report, some XXXX try to get credit in my name they ask me to put a fraud alert on my account I did, and they still gave out my inforamition, they told me to get a police report I did and they still will not remove the Inquiry from my account. All of The other Bureau accept the police report, I must say this is compay employees are rude, unprofessional, and liars, I was told they only way the Inquiry could be remove is with a police report. I compy they sent me a letter tell me it was factual, that what they told me when I was instructed get the police report. I written my congressman about this comapy and there and practices.
OAC was contacted by XXXX Credit Reporting regarding a dispute I filed and indicated to XXXX that the debt was still active. OAC has placed a debt on my credit report in error and sent me a letter indicating their error. This debt was sent to OAC collections in error by XXXX XXXX XXXX. TransUnion will not remove this debt from my credit report because OAC provided the false statement that this debt is still active. I have attached the letter I received from OAC indicating their error and false statement indicating they have sent notification to the credit bureaus requesting they delete this item.
I noticed that there was another unauthorized hard inquires from XXXX on XX/XX/2018 on my Experian and XXXX  credit report that i did not make, i've made several calls to XXXX, Experian and XXXX to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of Experian and XXXX i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from Experian, XXXX and XXXX is working together using my info TO OBTAIN CREDIT.