WillisBack/dataset-financial-user-claim huggingface dataset:
Its been brought to my attention, that theres been false allegations, debit collection practices that are now, known to be of a violation within the Fair Credit Reporting Act. Companies by the name listed ; XXXX XXXX XXXX, known as collections. Bank Of America, known as another creditor. All parties and credit bureaus were contacted, on several occasions, in regarding the alleged accounts listed. There was a noncooperative response from all parties, whom disregarded the request for validation, not verification ; letters which was delivered and received. XXXX XXXX XXXX, for the amount of {$500.00}, merchant XXXX XXXX and Bank Of America, for the amount of {$1400.00}. Theyve all been contacted, via certified mail, several times and failed to provide validation, only thing received was amounts that is claimed to be owned, which theres been a request to delete it off my credit report and name completely. These false marks has been negativilty impacting my life and kids, hurting my ability to not only gain credit but the credit ability to open credit.
On  XXXX   XXXX ,  XXXX  I contacted my mortgage lende r ( Nationstar ) to reques t information about my adjustable rate mortgage. It was scheduled to reset ( for the second time ) beginning with my  XXXX   XXXX  payment. I have on file a statement from them indicating that my 3.5 % mortgage rate was good through  XXXX   XXXX   XXXX . On  XXXX ,  XXXX  a new statement was sent to me indicating that, beginning  XXXX   XXXX ,  XXXX , my interest rate would increase to 4.0 % and my payment would increase by {$130.00}. I received NO correspondence, written or electronic, that this increase would occur. In fact, I was told by phone that my 3.5 % rate was good through  XXXX   XXXX ,  XXXX  and my  XXXX   XXXX ,  XXXX  statement indicates the same. I am about to cont act Nationstar to tell t hem about their error.
I am following up on a previous dispute regarding Identity Theft that I had been a victim of with a {$31000.00} account with XXXX XXXX XXXX that I have been reporting and disputing to Equifax for several months. I filed a report on XXXX/XXXX/XXXX again with Equifax regarding the Fraudulent Account, XXXX XXXX XXXX that has been opened on my account and provided Equifax with the Police Report and Fraud Affidavit and requested again the this fraudulent account with XXXX XXXX XXXX be removed and blocked from my credit report ; but Equifax keeps willfully refusing to block and remove this fraudulent account after receiving the required and requested paperwork. 
However, Equifax 's Office of Consumer Affairs has willfully and intentionally falsely notifying all my creditors ( this is the 2nd time that their office has done this & the 1st time was back in on XXXX ) that my applications to open the accounts were fraudulent and further advising my creditors that I am making this false assertion and disputing the account with Equifax. But what Equifax is advising me in the credit report dispute results : " We have reviewed your concerns and our conclusions are : Please be advised that Equifax, at this time, will not block the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf. We will also forward a copy of documents you have provided to each creditor for their Review. '' When in fact, I have only disputed one ( 1 ) account which is the fraudulent account, XXXX XXXX XXXX but Equifax 's Office of Consumer Affairs has willfully and intentionally falsely disputing each of my active accounts as fraudulent causing my accounts to be closed again and refuses to correct these heinous acts when then they fully know that I have not disputed but one ( 1 ) fraudulent account and that being " XXXX XXXX XXXX '' with the account number being XXXX. 

When I have previously called in regarding this account to the Office of Consumer Affairs the Supervisor hung up the phone with me and told me it was no one else that I could speak with and ended the call. 

These intentional, negligent and willull acts to knowingly provide false information to each of my creditors for the second time in 60 days that I am disputing that I never opened my accounts and I am stating that each of my accounts ( beyond the 1 XXXX XXXX Account that I am actually disputing as fraudulent ) fraudulent is egregious and unbelievable to continue to wreak financial havoc on a consumer that has already been a victim of identity theft and I am only trying to protect my credit report and financial well being. 

By their egregious and intentional actions I am not sure as to whether they have some form of relationship with XXXX XXXX XXXX, since I am also getting communications from XXXX XXXX XXXX to settle on a fraudulent account that does not belong to me and I never made a application. It appears it is some scheme to force me into some type agreement with a company on an account that I have never made application on to open
I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015.  I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance. It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.
I have a Credit Card Account with Discover, ending in XXXX. I have been with Discover for over half a decade, without any issue, until XX/XX/2016. My Discover Credit Card ending in XXXX was compromised and some unauthorized charges occurred, which I reported promptly. The Card was closed, and an investigation was initiated. 
After the completion of the Fraud Investigation, a new Account was set up, transferring my credit and balances ; and I was contacted by the Customer Protection Team. I was prompted to set up a verbal password for my account, which I did. Since then, everything seems normal, as I never attempted to use the card. 
On XX/XX/XXXX, I requested a replacement card, and activated it on XX/XX/XXXX. I made some online purchases which went through, but then later cancelled by the Merchants ( i.e. XXXX and Kendras ). When I called the Merchants, I was told that the payments were not verified by my Financial Institution. 
Everyday since I had started using my Card, I have had to call Discover Customer Service everytime, because there is always a hold or a security flag on my Card, whenever I try to use it. 
My card never worked at the ATM for Cash Advance, I was told to go into the Bank and process a Cash Advance over the Counter, it still declined ; even when inputted manually. 
My card got declined from virtually everywhere ; gas stations, XXXX, XXXX, restaurants, etc. It never worked. 
I was told not to use my card for 24-48 hours, so as to let the system cool off/get used to my account, because the transacions were fresh. I stopped using my card, and after few days, on Monday, I attempted to use my card, it worked. I tried ATM access, it declined. I called customer service, I was told that my last transaction of {$61.00} at XXXX flagged the card. I was asked to try it again at the ATM, it declined. And I was advised again, to let it cool off and not use it for cash access, only purchases. 
Irrespective of the fact that I have gone through a lot with Discover, I explained I was doing XXXX shopping for my family and I was assured that everything should be fine with purchases. 
For some weird reason, whenever I call Discover and give them my verbal password, I was told it was incorrect. Mind you, this is the same verbal password I have had, never changed it. 
My card is blocked at the moment, and I was told to send in some documents. I have sent my Driver 's License, SSN Card, Rent Lease and copy of my Discover card to the fax number provided to me, XXXX twice and I am yet to hear back from Discover. 
It just saddens me that when someone else fraudulently used my card, Discover did n't play any of these games, to protect me ; but when I, the actual Cardholder wants to use my Card, its either a hold or a flag or something. Which makes me ask the question : should the Government and Regulators of Financial Institutions allow customers to suffer in the hands of Banks and other financial Institutions? 
Discover has records and notes of every call a Customer makes. Someone should go through my account notes and they will understand my frustration ; as this could have effect on my Cedit Reporting!
I have an unauthorized and unjustified hard inquiry on my Experian credit report from XXXX XXXX XXXX. Experian has told me I can contact XXXX XXXX XXXX to request it be removed but XXXX XXXX XXXX is no longer in business so I am out of options.
California Auto Finance Customer Name : XXXX XXXX Acct Number : XXXX I have a car that was finance by California Auto Finance, I was behind for my payment for just more than 10 days. California Auto Finance added insurance to my payment despite sending the proof of insurance to them and their staff calling and verifying the insurance to the company. I called and spoke with a representative named XXXX. I asked for information regarding deferment, since there is a hardship on my part XXXX explained to me their deferment policy and she said that she will transfer me to the collector that was assigned to my account. Upon transfer the collector was very rude and immediately asked " What do you want? '' I explained to her my situation and she did not even let me finish and say we do n't offer deferment. I explained to her that the other representative said that they do but she keeps on reiterating " We do n't offer deferment '' this time she said that " You need to send your payment we ca n't wait for it anymore ''. Despite this I continuously communicate with them through email and explained to them my situation. On XXXX/XXXX/2016, I received a call from a old colleagues of mine that I have n't talk in a while. They reported to me that a collector from California Auto Finance called them stating that I need to pay my debt to them or they will lock down the car. This a complete violation of Fair Debt Collection Practices Act. Specially in the state of California law where original creditor is also consider as the debt collector. FDCPA states that Debt Collector can not ask third party to pass on a message, which in this case they completely violates. FDCPA also states that debt collector can not call third party more than once and can only ask to obtain or confirm location, again California Auto Finance Completely Violated. FDCPA also prohibits them from revealing consumer debt, which again they violated. FDCPA also prohibits them from harassing or stating any threatening words and for them to say that they will shut down the car despite of negotiation and sincere efforts to pay the debt is just a blatant harassment. Not only that California Auto Finance has no customer service, they 're collectors are treating their customer inhumanely. California Auto Finance must remove and stop contacting individuals on my references. They are also more than willing to testify in court of law if I decided to pursue court actions against them
Hello, I own a Credit Card from XXXX. 
I log in to my account from XXXX and I choose automatic payment withdraw for monthly payment. After 3 weeks I XXXX to log in to my account to look at my balance. I XXXX to many times to log in to XXXX Website, I decide to cool Customer Service regarding this problem with they website, They told me my Account is close and they block my Credit Card for IDENTITY TEFT and they will send me a new one and not to worry about that. I just have to wait to resave my new Credit Card and log to my account. I have to find out on my Credit Report XXXX charge me let fee and reported on my credit report.
I Went To Pay On My Loan That I Borrowed From instaloan On XXXX/XXXX/2016 For My Car, When I Got Done Making A Payment On My Car The Vocher They Gave Me Said My Next Payment Would Be {$71.00} And The Balance Would Be {$870.00} But When I Went To Make That Payment On XXXX/XXXX/2016 They Said That Was Wrong And That My Balance Is {$960.00} And My Payment Is {$170.00} So I Think The Are Using Me To Get More Money Out Of Me, And I 'm Sure I 'm Not The Only XXXX They Doing This Too.
Capital  XXXX   XXXX   XXXX  is report an untrue credit status. It is reporting  XXXX  late status.
I began to get behind on my car payments in XXXX due to XXXX XXXX and a move that I was n't planning on. I received a call from an employee from the following number : XXXX. I had a hard time hearing the message, I think her name is XXXX. In her message, she asked me to return her call before XXXX pm to number XXXX, extension XXXX. I was on XXXX XXXX so I pulled over and it took me 4 times to get someone to agree to transfer me. The employees kept refusing. I had to demand to speak with a supervisor and told her she needed to transfer me. I finally got through and spoke with her person who left a message. I have never had such a hard time reaching someone. She put me on a 60 day extension which she said I had to make a payment on XXXX XXXX or XXXX XXXX and then I would n't owe a payment until XXXX XXXX. This is where my frustration began. I logged on to the app to check my account on XXXX XXXX and noticed that my account is still 3 months behind, it is not reflecting the payment arrangement. I called Ally to see if I could speak with the employee who created the payment arrangement, XXXX. I called the number she provided 17 TIMES between XXXX XXXX and XXXX XXXX. The phone reps REFUSED TO TRANSFER ME. I asked for supervisors who also REFUSED TO TRANSFER ME. I asked to call centers in the XXXX hoping I could get transferred and was still refused. Every rep wanted my account number or social. I provided it and then was told so many different answers that I had to write them down. The first few reps told me that I was NOT ON A PAYMENT ARRANGEMENT AND THAT I NEEDED TO MAKE 3 PAYMENTS. I explained that I spoke with someone and had a payment arrangement. I was interrupted, or yelled at, or hung up on, or talked over so many times that after 17 tries to get to the person who put me on the supposed payment arrangement that I GAVE UP. 
This is how Ally works? I have no proof that the person put me on a payment arrangement and no way to speak to her directly because the call center employees REFUSE to transfer me. They also want to put me on their version of a payment arrangement, even though I am supposedly on one. They yell over me, argue with me, and flat out refuse to get someone to transfer me. I have asked to speak to a XXXX based call center hoping I can be transferred. I am at call 18 and am tired to arguing.
In late XXXX, I opened a checking account using a promotion offering me {$400.00} if I opened an account and received XXXX deposits of {$250.00} of more within 60 days of account opening. I received XXXX deposits from my employer throughout XXXX but never received the {$400.00} that were promised. After contacting customer service, I was told repeatedly that I did not qualify for this offer because it was invite-only and I was not on their list, even though the offer page clearly showed my name.
I do n't owe this debt, I do n't know who this company is, and I would like them to prove that I was under contract with them. If they bought the debt from some other company, then that would be a violation of HIPAA. Regardless, I do n't owe this company anything, and they must be removed from the report.
I 'm XX/XX/XXXX I filed a dispute with XXXX, XXXX, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.
On XX/XX/XXXX I sent a faxed copy of a XXXX letter to credit collection services to confirm dates of XXXX due to items from XXXX XXXX in MY report. I also reported then to BBB. On XX/XX/XXXX, u spoke with XXXX stating they received my document but nothing will be removed from my reports until a vehicle history report us submitted. My XXXX letter should be valid enough to confirm the dates of these accounts which they refuse to acknowledge. According to FCRA, if the validation if the accounts are not accurate they must be removed. Section 609 : : : validate nor verify. They refuse to do such.
This is a debt for XXXX XXXX and should not be on my credit report. They coninue to call my cell phone after I have told them not to call that number.
XX/XX/18 - was unable to start social security online account. Called Social Sec and they said they used Equifax and my address on my Social Security online account. 

I called Equifax and my street address is correct but there is an apartment number that even when I lived in an apartment years ago has NEVER been an apartment number for me. I asked them to correct it - they ave all of this info about me and NONE of my accounts have this apartment number, but they told me that it was MY responsibility to send in a great deal of documentation to prove they were wrong. AIN'T GON NA HAPPEN! If they make a mistake and I pass security surely to XXXX they can send my account to 'research ' or 'verification ' to check for errors.
SunTrust Mortgage has failed to close a loan for my mortgage. We have been misled throughout the entire process. Our situation has been escalated, however, we have had XXXX closing dates fall through and we have been told that documents have been sent to the closing attorney, when actually they have not. Emails and phone calls have not been replied to and the entire process has been detrimental to the consumer. I have lost time at my job fold conference calls, as well as, taking time off for XXXX closings that have never occurred. Our furniture is sitting out in the street and unable to be moved into the home, as SunTrust can not complete this loan. Underwriting blames new software upgrades, volume of business, etc. but we have been without a home going on XXXX weeks. This company should be reprimanded for its behavior towards consumers and I hope others can learn from this horrible experience.
The company XXXX wanted to hire me to purchase products for their XXXX business partners. This company starts by paying off your credit card balance so you can purchase the products for them in the amount of your credit card balance. XXXX does not ask for your credit card number, they give you a bank routing & account number for you to make the payment on line or by phone. The payment processes and shows posted 3 days later. Then you are asked to make the first purchase which are gift cards. After XXXX received the gift cards information I find out the credit card payment of {$5800.00} was reversed and now my balance is double. Chase card stated XXXX was not authorized for them to use the bank account info they gave me for payment. Before I made any purchases I called Chase Card Services on XX/XX/XXXX to verify the posted payment and I asked them if the payment could be reversed. The person I spoke with stated to me the payment could not be reversed after its been posted. I made sure the service rep. I spoke to typed in our conversation on that day & the notes are in the system. If I would have been told that this payment could in fact be reversed I would have never made the gift card purchases. I was given misleading wrong information, I feel Chase Card Services could have helped me avoid this scam / fraud situation. Additionally I was not informed about this large payment reversal. I would think someone should have taken some security in my account for my protection. I 've been a card member since 1999 and Chase decided to close my account because of this situation. I have emails, name & phone number for this XXXX company.
Nationstar Mortgage XXXX XXXX XXXX XXXX, TX XXXX phone XXXX fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX phone XXXX fax XXXX Since the 2nd week of XXXX XXXX we have contacted Nationstar either by phone, email or fax trying to find someone who will help us resolve an issue we have with XXXX XXXX XXXX. 

XXXX XXXX XXXX mailed us a letter stating " Notice of Intention to Create Lien for Delinquent Front XXXX XXXX Charge / Water and/or Sewer Facility Charges '', and they are going to place a lien on our property for a bill that has not been paid by our mortgage company, Nationstar. 

This bill was apparently due on XXXX/XXXX/XXXX, after Nationstar purchased our mortgage from XXXX. We have never been notified by the Utility Company that a bill was owed. According to Nationstar, the Utility Company did not notify anyone at Nationstar about such a bill. It has been 6 months, and the first letter we receive is a threat to place a lien on our property. 

XXXX mailed us a statement showing that all payments to this XXXX Company from XXXX to XXXX, have been paid by our previous mortgage company through our escrow account up until the time that the mortgage was purchased by Nationstar. 

We were told by phone on XXXX/XXXX/XXXX to email all of the information we have pertaining to this bill to XXXX XXXX at Nationstar, we did, he never responded by phone or email, we emailed him twice. 

We called on XXXX/XXXX/XXXX XXXX spoke to XXXX in the Escrow Department ID # XXXX ; who informed us that " we are responsible for this bill and Nationstar will not pay it! ". When we began to argue with her, she said this information will be investigated by the Escalation Department, and we will have a response in 3 days. No one has responded to us. 

Today, we called Nationstar, and asked for XXXX XXXX ( the man we were told to email ), no one knows who he is. 

Today we called Nationstar again, spoke to XXXX XXXX at XXXX in the Escrow Department XXXX who now asked us to fax all of our information, we agreed. 

As of today 's date, our utility bill remains unpaid since XXXX of XXXX. 

We have an escrow balance of {$4000.00}, yet our utility bill, which was always paid by our previous mortgage company, remains unpaid by Nationstar.
I am a XXXX XXXX XXXXXXXX whose client was preapproved by Quicken Loans  for a conventional mortgage loan. I sent the accepted earnest money agreement and purchase contract to their loan originator at Quicken and yesterday he emailed me and asked for my license number. Even though it was already on the contract I emailed that back to him. This morning my client, the buyer, called me to say that she had been called by Quicken Loans and told that she and her husband could only have the loan if they dropped me as their realtor. The Buyer asked why that was and was told by the loan originator that they didn't know. Buyer and her husband called back to Quicken and talked to two different people who told them that Senior Leadership at Quicken had made that decision and they didn't know why. I got the number for the lady at Quicken and called to ask why they had told my client to dump me if they wanted the loan. She said she couldn't tell me but that it was a decision that came from the very top of Senior leadership at Quicken Loans. We talked for maybe 10 minutes and she would never tell me why they were XXXX   me. I have done deals where Quicken was the lender and have never had any trouble before like this. My client is trying to find another lender now and is very confused as am I. The lady at Quicken said I must know why they were doing this but I do not. I am a highly respected XXXX in my small town and have had no complaints against my license or character.