WillisBack/dataset-financial-user-claim huggingface dataset:
In 2003 I purchased the real property known as XXXX XXXX XXXX, XXXX, Maryland XXXX in XXXX County. Thereafter, I entered into a mortgage with XXXX XXXX XXXX XXXX XXXX. The Note was for {$480000.00} and refinanced XXXX outstanding mortgages. I have made the mortgage payments. Last year my loan was transferred to mortgage servicer BSI Financial. I have made attempts to determine my Rate, Payment, and Balance as I feel the loan has not been serviced correctly. When I call BSI I have been told to speak with different persons there who give me different answers. On XXXX XXXX, after being away for a couple days, I came home to my house having been ransacked, and furthermore, my house having been winterized and put under lock and key by my mortgage company 's proxy. I have had no foreclosure action instituted against me, and I have made every effort to comply with the terms of my loan.
Your case ID is : XXXX. 
My account was limited for system detected unusual activities.I have {$470.00} Available in my account. Please release my money for withdrawal.Item has already been shipped and tracking provided. Thanks
Experian Report Report Number : XXXX Date Generated : XX/XX/2019 XXXX XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate when is NOT, I have asked to delete the information but all other crit report agencies have complied except Experian, some one toll me that if I buy the membership of Experience everything will be resolved, I have complained several times but still the maintain the information. Please help!!
LTD financial services responded to a previous complaint with regards to their failure to validate a debt. In the response they claim to have updated my account reflecting that I have asked for validation. In the response however, the Refer to a XXXX XXXX. Neither I nor my wife 's name are XXXX XXXX. I am XXXX XXXX, and my wife 's name is XXXX XXXX in the complaint. Our complaint is not resolved. This is unacceptable. I would like to avoid seeking legal recourse. Validate the Claim of XXXX XXXX and XXXX XXXX.
California Business BU will not validate a debt they 're claiming i owe. The report is showing a debt opened on XX/XX/XXXX for XXXX and then again on XX/XX/XXXX for XXXX for services rendered at XXXX XXXX XXXX XXXX. I sent out debt validation request initially in XX/XX/XXXX and followed up with a certified request again in XX/XX/XXXX, as this debt is n't correct or true. As of today, this debt has not been validated.
I signed up for MoneyLion ( XXXX XXXX XXXX ). I was informed that my bank card was mailed to me on the XX/XX/18. 
via email. On the XX/XX/18, the Moneylion team sent me an email promotion about 12 days of Giving. The email stated/advertised the following. 

Hi XXXX, Want up to 2,500 points and 12 ways to win {$5000.00}? 

Then you'll love our 12 Days of Giving! Each day, we'll offer a new way to get points and enter to win a {$5000.00} gift card. Make sure your MoneyLion Visa Debit Card is activated and funded, because 12 Days of Giving starts soon! 

Learn more about MoneyLions 12 Days of Giving here. 

I was like this is a very cool promotion and very excited to be an member of this new and upcoming bank. So I waiting and waiting, checking the mail everyday. Then, I realized my bank card never came, so I couldnt activate my card and participate in the promotion they advertise. I sent Moneylion an email, letting them know I never received my card. Its XX/XX/2018. I still dont have my card til this day. I missed the promotion and I dont even know if this is a real bank or if they advertise this promotion to just get my information. I requested to speak to a supervisor and still waiting for a supervisor to email me back.
XXXX reports that I opened an account in XX/XX/XXXX. I opened no accounts of such type in XX/XX/XXXX. The account was opened in XX/XX/XXXX. They illegally changed the date of opening this account.
On XX/XX/XXXX I sent in a complaint to the CFPB about Equifax fraudulent inquiries on my credit report. Equifax responded on XX/XX/XXXX stating they did n't receive any information from me and that I needed to contact the creditors. I responded on XX/XX/XXXX backing up my statement about the letters I 've sent to them. On XX/XX/XXXX all of the inquiries were deleted off of my credit report except one ( which is factual ). On XX/XX/XXXX all of the inquiries were reinserted back on my report with no warning or paperwork from Equifax which is against the FCRA law. I 've attached a copy of the paperwork below. 
Equifax also sent me a letter on XX/XX/XXXX Confirmation # XXXX with the results of an investigation that they conducted from the letter I sent to them about some unverified accounts. Equifax removed the negative accounts off of my credit report up until XX/XX/XXXX. I checked my credit report on XX/XX/XXXX and all of the negative accounts that were deleted has been reinserted which again is against the FCRA law. I 've attached all copies of the fraudulent occurrences below.
I received a call on my cell phone where a person was looking for my brother. The person indicated that the petitioner was filing something against my brother. That person provided a phone number XXXX and indicated this was a notice. I called the number it was listed to XXXX. I spoke to a man his last name was XXXX. I informed him I was calling behind a phone call I received for my brother. XXXX indicated could not provided me with detailed information but indicated was filing a complaint in XXXX County court for criminal actions against my brother and threatened a body attachment. He indicated that my brother used me as a referenced informed him I knew nothing about what he was talking about ; he furthermore indicated that it was in regards to monetary issues concerning my brother owed. Informed him thatI was his sister and that my brother was grown my brother has not lived with me in years and I had not spoke to my brother in months. XXXX proceeded in telling me that since I was used as a reference that I could be summoned to court. I was able to reach my brother to tell him to call these people however I called XXXX back to ask where they were based out of and male indicated New York and they were arbitrators and not bill collectors. I have worked litigation before I have never known an arbitrator to release any information to a XXXX party and place a threat of a body attachment when initially processing a court proceeding.
On XX/XX/2019 I snail-mailed a letter request to Equifax to create a credit file for my minor ( XXXX-year-old ) son and then instantly freeze his report. ( He has no credit file. ) Following information available at equifax.com, I submitted the appropriate form and pieces of documentation ( including copies of my son 's social security card, birth certificate, and my driver 's license ). 

On XX/XX/XXXX I received a form letter from Equifax saying my son did not have a credit file and offering no further advice. 

On XX/XX/XXXX I sent a follow-up letter to Equifax 's Minor Child department, explaining what I had tried to do and again asking Equifax to do it. A week later I received a second form letter. Once again, it said what I already knew : my son has no credit file. 

On XX/XX/2019 I phoned Equifax 's main Customer Service number. The rep ( who gave her name as XXXX  ) seemed confused at first, said she had to ask someone, and finally explained to me that Equifax can not create a credit file where none exists -- that they can only freeze an existing file.

Information at https : //www.equifax.com/personal/education/identity-theft/child-identity-theft/ appears to contradict what she told me which also appears to be in violation of Public Law 115-174.
This debt is not mine .I turned XXXX years old on XX/XX/XXXX.The debt occurred on XX/XX/XXXX.This is effecting me tremendously because jobs are denying me the opportunity for employment.Please help resolved this my removing this from my credit bureaus .Also please do n't allow them to sell this debt.
I answered a call on XX/XX/XXXX from the Alliant Capital Management. Upon answering they had me verify my name, address. They asked about my employment because they had paperwork to deliver. Then we got into the debt call. They stated it was going to go to " litigation '' several times if I did not settle. At this point I still had not been notified of the call being rerecorded or not ( at the end of the call XXXX XXXX stated parts of it might have been recorderd ). 

The orginal debit is from XXXX a payday loan service for {$2500.00}. 

They keep referring to XXXX XXXX XXXX as who will proceed with litigation. They are also stating my employer is collateral on this. 

Contact info for Alliant Capital is XXXX XXXX XXXX is one of my account reps. 

I offered {$700.00} for an on the spot settlement and it was declined. They are getting aggressive and bullying.
there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company PLAZA Opened XXXX XXXX, 2017 ( 5 mos ) SERVICES Last reported : XXXX XXXX, 2017 I have a bank account and i do not got to check cashing this account was obtain fraudulently
Loan Care aka XXXX bought my loan and I started making payments to them in XX/XX/XXXX. I have made XXXX payments to them to date for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every single payment has been applied incorrectly to my account. I made a payment on XX/XX/XXXX to satisfy my XX/XX/XXXX payment. They applied it as a principal curtailment and did n't bump my due date. I called several times to have it reversed and reapplied correctly. They eventually reversed and satisfied my XX/XX/XXXX payment BUT they applied it as of the day they fixed it ( XX/XX/XXXX ) not the day they received the payment ( XX/XX/XXXX ). Made a payment XX/XX/XXXX for XX/XX/XXXX and their automated system confirms they received it that date but they did n't credit my account until XXXX. I made and they received a payment XX/XX/XXXX to satisfy XX/XX/XXXX payment and they applied it as a principal curtailment again. I have called and called these people and nobody can tell me why every payment is applied incorrect nor do they ever fix my account. It is now XX/XX/XXXX and my XX/XX/XXXX payment is late when I made it XX/XX/XXXX. I 've called 6x just in the past two weeks without anyone resolving my issues or answers as to why this is happening. I 'm running out of time before a late fee will be charged for my XX/XX/XXXX payment, which eventually be reported to the credit bureau. They said if it gets to that point they will fix it but they have n't fixed ANYTHING yet. How will they fix a false report to the credit bureau?
Equifax and XXXX conspire together trying to collect DOUBLE of an ALLEGED debt!!! 

XXXX XXXX XXXX {$4400.00} {$4400.00} XXXX accounts reported on XX/XX/XXXX XXXX accounts reported on XX/XX/XXXX Open Account # XXXX {$1000.00} Balance XXXX XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note You recently filed a dispute for this account. 

Check Status Open Account # XXXX {$1000.00} Balance XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Account. 
Responsibility Collection account Remarks Note See something wrong? 
You could dispute an error with Equifax. 

CAN I SEE THE PERFORMANCE CONTRACT WHERE THEY ALL CONSPIRE TOGETHER,?? WHO IN THEIR RIGHT XXXX MIND WOULD PAY THOUSANDS OF DOLLARS TO THESE XXXX CRIMINALS WITHOUT SEEING A VALID CONTRACT???? I NEVER SEEN SO MUCH XXXX IN MY LIFE!!!
I recently filed a complaint about equifax having unauthorised hard inquires on my report. I also mentioned that they will not let me access my account. I cant even get past name, address, SS #, birthday as they keep saying my answers dont match there records. This is rediculouse.I know my own info. I even included there file number XXXX. They are rudely mistaken. They e-mailed me saying I could check there answer to the investigation. However they wont acknowledge I am me. So what option do I have but to ask for seriouse help.
I disputed the balance on my XXXX XXXX  XXXX credit card. The bank over charged me with their error and are refusing to fix it. So I disputed it. TU didn't act as if they investigated even though I sent a mountain of info with all of my statements and a letter detailing the issue. They treated it as any other frivolous dispute and ignored it leaving the info unchanged. It's inaccurate and I want it fixed! I'm not accepting their response. The balance is wrong, XXXX over charged me with interest and other fees for their error. The item should've been cleared with all of the payments I made. One of them fairly huge! They ignored it so they could double charge me for the item doing a bait and switch so they could earn double interest. They tacked on back interest and have refused to correct it. I suspect I will end up having to sue them when I get the balance lower. I refuse to pay the add on costs period. Their account is in dispute as far as I'm concerned.
My name is XXXX XXXX and I am XXXX XXXX graduate of the XXXX XXXX in XXXX program. 

Following graduation I re-enrolled at XXXX to pursue higher education. After review of my records I was enrolled and granted approval to register for three courses. Two of those courses were scheduled to begin on XX/XX/XXXX. The third course was scheduled to begin on XX/XX/XXXX. 

Unfortunately I had a dire family emergency come up which required a significant amount of my time. Realizing this, I contacted the college for guidance on withdrawing from my courses with the hopes of registering for them the following term. I was advised by phone that if I were to withdraw 0-3 days prior to courses starting I would receive a refund for the tuition and to submit a request in writing to the Office of the Registrar using email XXXX. I submitted the written and signed request to the email I was provided on XX/XX/XXXX at XXXX. I received no further communication from the college and assumed the withdrawal had been taken care of. 

In XX/XX/XXXX I attempted to obtain course approvals. I sent a message to my advisor to inquire about the status of those approvals and I was advised that my account was on a " fiscal hold '' and that I needed to contact the bursar 's office to " settle my account ''. I did as such and was advised by a person named XXXX that my request was not processed for the withdrawal and that I owed approximately {$4500.00} for the courses. I advised her that I didn't feel this was right but that I would try to pay the balance rather than file a complaint on the college that had afforded me so many opportunities. So I proceeded to try and save up enough money to pay the balance over the next several months. 

In XX/XX/XXXX I contacted the bursar 's office to set up a payment plan for the balance on my account but I was advised that my account was submitted to a collections agency and that I did not qualify for a payment plan. I then lost faith in the college and pursued my education elsewhere. 

However, my current educational institution requested that I send a copy of my official transcripts to them and upon attempting to do so I was notified again via a message on the website that I could not request my transcripts due to an issue with the bursar 's office. 

I followed the college 's policy on submitting my withdrawal request and it was on time ( prior to courses starting even! ) and because of what I assume to be a clerical error I am expected to pay thousands of dollars.
I got a debt collection letter from I.Q. Data International, Inc dated XXXX, 2017 regarding a debt that I owe to my previous landlord. This was the first time I learned about the debt, never received a bill from the landlord ( original creditor ). 

On XXXX I faxed and mailed a letter to I.Q. to dispute the charges, cease any communications to collect the debt and provide evidence for the debt. 

But on XXXX I received a call from I.Q. that I did not answer at first. Then I called back to ask why I was being called. I was forwarded to a customer rep who was responsible for handling my debt collection. I notified him that I 'm disputing the charges and would like more information and evidence on the debt. The rep asked for an email to forward the information. I gave him the email and told him that I 'll look over the information to verify the debt, but can not do it right now because I 'm busy. The rep got aggressive at this point and told me, " You 're trying to blow me off '' and that I just refuse to settle with them. Then he threatened to forward the debt to credit bureau agencies right away to coerce me to settle at the spot. I asked him if he 's not willing to email me the information then he can mail. He became totally dismissive at this point and put me on hold. I had no option other than to hang up at this point.
Under the New law effective XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true Bankruptcy listed does include this information and should be deleted from my credit report.
On XX/XX/XXXX I wrote XXXX to dispute their {$89.00} charge for early termination of an agreement we entered about a year ago.

I explained that the agreement I had made with a XXXX representative was for a continuation of all aspects of my current service for two years at a set price.

However, after the first year XXXX  raised the price on one of the components of the service. I advised XXXX  at this time if they did not resend the price increase, I would no longer feel bound by the agreement. XXXX never answered my letter and I swished service. Shortly after XXXX  sent a bill for early termination which I did not pay. 

This led them to turn the unpaid bill claim to a Debt Collection agency which led to an Unpaid Bill report to be issued to all 3 credit rating agencies. This led to a downgrade of my 60 years of excellent credit.The 3 credit reporting agencies ( Equiafax, XXXX, XXXX  ) answered my request for an investigation. All three came back marked, " Debt Confirmed
PHH Mortgage bought our loan from XXXX. They failed to apply the funds from our original escrow account to our homeowners insurance company. They claimed that they sent us a disbursement check twice, but we have not seen this. They are now claiming that we owe them more in our mortgage because they are charging us for XXXX escrow accounts, since they are claiming that they sent us the disbursement check and they paid our insurance company. They have not sent the disbursement check and it has been more than the 30 days required for them to resolve issues.
We have our mortgage through Bank of America. We were told if we paid down principle to 78 % of the original amount that the mortgage insurance payments would automatically stop. We paid the amount in  XX/XX/2018 and the PMI never stopped. I called three times and was told it would happen automatically. I called a fourth time in XX/XX/2018 and was told I needed to apply to have the PMI cancelled, which I did then and it has since been cancelled. I was upset at being repeatedly given the wrong information and filed a complaint at my bank branch. I requested a refund of the overpayments and BOA now, a month later, says that will take months and will be subject to a HUD review since it was an FHA loan. This is frustrating since BOA repeatedly gave the wrong information and they refuse to fix the problem. I am also concerned this could a symptom of a bigger issue at BOA in regards to their ability to service mortgages correctly.
I have gotten several phone calls to my cell phone from a company called " USI Solutions '' calling from number XXXX and XXXX. The people that call say that they are collecting on a debt I have with XXXXXXXX XXXX XXXX  XXXX. I have no such debt that is owed and the representative treated me very rudely and started telling me about payments I allegedly made on this account back in 2009. On XX/XX/XXXX, I answered a call from XXXX from USI Solutions and told the person on the line that I didn't own the debt, and asked them to stop calling me. I used the phrase " cease and desist all contact '' and then asked to speak to a supervisor and repeated my request to " cease and desist all contact ''. Then, today, XX/XX/XXXX, I received a call from USI Solutions ( XXXX ) and I again repeated my request for them to stop calling me and told that I didn't owe the debt. The representative transferred me to several other representatives that taunted me and said that they would continue to call and that only written requests to stop calling would be honored. I requested the company 's mailing address information several times and the representative wouldn't give it to me and instead tried to convince me that I owed the debt.
On XX/XX/XXXX, Ocwen Loan Servicing, LLC, communicated for the first time that the flood insurance had expired. Under Florida statutes a lender or servicing company must provide sufficient notice to the homeowner at least 30 days before it actually expires to avoid any gaps or lenders force placed insurance. 

We provided flood coverage. However on XX/XX/XXXX, Ocwen loan servicing LLC, responded that was unable to verify coverage from XX/XX/XXXX through XX/XX/XXXX. 

In response to their letter dated XX/XX/XXXX, unable to verify coverage from XX/XX/XXXX through XX/XX/XXXX, be advised Ocwen Loan Servicing LLC, stated on thier previous letter on XX/XX/XXXX, that the policy had expired. This means that there was an existing policy. As per Fema regulations, when ever a homeowner has an existing flood policy there is no gap when renewal because is a rollover.

As per Fema regulation, when is a new flood policy then there is a 30 day wait. Ocwen made an admission on XX/XX/XXXX, by clarifying that there is an existing flood policy and therefore is a rollover with no gaps. Whys is Ocwen referring to a Gap? Because is a long time scheme Ocwen was engaged to for many years. 

In XXXX, a class action lawsuit XXXX v Ocwen Loan Servicing, the servicer agreed to a XXXX XXXX class action lawsuit settlement over allegations they entered into a force placed-insurance scheme that charged the homeowner inflated premiums for flood policy. 

Ocwen, failed to provide us with the flood renewal within the statutory 30 day prior notice to the policy expiring. We ask that you investigate the matter.
The agent had offered on XXXX XXXX to do a settlement payment. I asked for it in writing so I can have documentation of the offer, and was told that was not possible. On the XXXX, I had informed the agent that I was working during the day and would like to have a number to call to settle the debt, the agent then began behaving irrationally and used some profanity, stated I was trying to avoid payment, where I then explained I am working so I can pay my debt. I requested to no longer receive calls. The company calls 3 to 4 times per day ( often not leaving a message ). Yesterday they called at XXXX ( left message ), at XXXX ( left message of them talking to other people ), at XXXX ( no message ), and at XXXX ( no message ).
This concern is regarding First Federal Credit Control. This past month there was a request- formal and written requesting a validation of debt- certified. There has been no validation of debt provided to me and in addition I have received threats from them that they will call the police on me, this is a clear violation. This is all regarding an alleged debt that I do not have any validation of. While I still do not have validation of debt, this still remains on my credit report. It should be off my report as this is another clear violation. Please assist me in rectifying this as I feel threatened First Federal Credit Control. 
Company- First Federal Credit Control XXXX XXXX XXXX # XXXX XXXX OH XXXX Account XXXX