WillisBack/dataset-financial-user-claim huggingface dataset:
I am a 19 year member of Pentagon Federal Credit Union ( PENFED ). Some time during the month of XXXX, I unknowingly discovered that my checking account was closed due to a fraudulent check that had been deposited into my account. Since that time, I have repeatedly asked/questioned this ( alleged ) check that was deposited into my account to no avail. Instead, I have repeated accusations hurled at me that I deposited the check via mobile deposit ( which I do n't have and have never used ) and then visiting an ATM machine to withdraw the monies from the fraudulent check. Here again, I NEVER did the acts that I am repeatedly been accused of. If this were n't enough, and to add further insult to injury, I am homeless ( since XXXX/XXXX/XXXX ) for which PENFED has full knowledge of. Yet, in another failed attempt to resolve the matter at hand-including an issue with an Overdraft that PENFED overdrafted and now hold me accountable, XXXX was able to retrieve the check in question. Based on the information he provided, the memo section of the check had 'insurance ' and the signature did not match mine. Hence, I am expecting this matter to move forward into being resolved. Unbeknownst to me, XXXX consults another individual named, XXXX whom he puts on the line and not divulging that he too was still on the line. XXXX, hurled accusations at me including 'you gave your login information to an individual who approached you wanting to make a deal, etc and then you immediately withdrew {$340.00} two days after the check was deposited. ' I was totally infuriated by the slanderous accusations ; but my words or rebuttal of these heinous acts fell on deaf ears. I did not commit any of these acts. What funds were withdrawn from my account represented a direct deposit of earnings from XXXX/XXXX ( XXXX XXXX ) but this was repeatedly overlooked. After an intense heated argument with both XXXX and XXXX, XXXX ultimately said they would not investigate as fraud because I was 'suspicious ' because of the withdrawal of funds. Yet, he acknowledged several deposits and withdrawals from XXXX/XXXX ; but refused to acknowledged the one that I raised. Instead, have me guilty of withdrawing funds from my account after ( allegedly ) depositing a fraudulent check into my account. Then XXXX going to tell me he would mail the statement to me after already being aware that I am homeless. Yet, claims this was n't in the notes. Another person, XXXX XXXX, whom I spoke to previously, scolded/chastised me by giving me an impromptu lesson on Identity Theft. I was deeply offended and insulted. Yet, he claimed he wanted to help. XXXX XXXX also was equally as offensive. This matter has been ongoing since XXXX and has grown worse. Despite wanting an amicable resolution to the problem, we are clearly at an impasse.
XXXX XXXX XXXX took over XXXX XXXX Loans in XX/XX/2017. Since then I have been unable to access my account. I have received no correspondence since the take over regarding my account. For over a year I have tried to log-in to my account with no success. I have also tried calling customer service. Each time I receive a message or am told that the action is unavailable and to try again later, or that my account can not be found ( See attached images ). Because of this I am unable to check my account or pay my bill. It seems like many other people are having this problem as well. I can only imagine the mess this is causing, as I have been unable to pay my student loan in over a year and have received no billing information. Something is clearly wrong here.
i am closing on a house in 2 days and capital one 360 has {$100000.00} of my money and refuses to wire transfer the money to the title company or the account where funds originated. i have been trying to get this money wired out of this account for 2 day. i have spent over 10 hours on the phone, mostly on hold, with the only result being " we can not guarantee that the funds will be transferred because your account has not been open for 60 days. '' they will not even wire the money back to my personal checking account because it has not been open for 60 days. this is not in their disclosures available online. in my calculation it has been 59 days that the account has been open and they still refuse to make a work around. the only answer that i get is " those are our rules '' when pressed as to the severity of the situation and asked for a supervisor the response was send XXXX. they are the only way to escalate the problem. well i sent that address an email and it was refused. 
basically i may have lost not only {$25000.00} in earnest money but the hose that has been being built since XXXX.
chase will continue to lie to avoid dealing with the fraud and illegally claiming duplicates they know XXXX XXXX scammed me but he knows inside people and are getting help to avoid being held responsible for the mortgage fraud he committed against me. please reveal to all parties involved the mortgage fraud. i received a call from mr. XXXX of the cfpb this week. he said that on XX/XX/2018 XXXX XXXX confirmed the mortgage fraud on my complaint and it are being mailed to me. chase please confirm it to me
I paid XXXX however XXXX will not remove the collection because they keep telling me the Collection agency needs to tell them the debt was paid to the original creditor. The Collections agency refuses to do so even after I sent XXXX with a copy of the payment to them. XXXX has not given me a receipt they tell me that my money orders are a receipt but No I want a receipt on XXXX letterhead stating amount is paid in full. XXXX told me I am no longer on their do not rent list I do not care, I want my receipt. XXXX or Transworld Systems need to inform XXXX that I DO NOT owe this debt.
I received a call on XXXX for collection from Cedar Financial of a debt from a XXXX, XXXX traffic violation. The debt was put into collection on XXXX and accrued 10 days of interest in the amount of {$24.00} ( an effective interest rate in excess of 100 % ). I was told that I " must pay now so that additional interest did not pile up ''. This was the first day I was made aware of this debt. The original fine, I was told, was XXXX. The XXXX is trading at {$1.00}, which would be a total fee of {$290.00}. I was told the amount to be paid was {$340.00}. The company did wave the interest, but still used an exchange rate of {$1.00} instead of {$1.00} resulting in my OVERPAYMENT of the fine ( that I was unable to dispute ) by {$25.00}. I have yet to receive any documentation supporting the traffic violation or fine.
Capital One does not keep my banking information updated for the company  XXXX  and it is costing me money.  XXXX  is great! Capital  One 360 checking has so many more issues besides this one to the point that I do nt even know where to begin.
XXXX/XXXX/XXXX, recieved summons in XXXX Court stating, I owed XXXX dollars plus interest from XXXX XXXX, XXXX, XXXX and XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ XXXX, XXXX and XXXX, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX Bank, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX. 
I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from LVNV ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called XXXX and disputed the inaccuarate info. I called XXXX bank and spoke with XXXX who could not find and info at all.. 
XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from LVNV. I told her I had never heard of them as well as I had contacted XXXX and this was Identity theft. 
XXXX contacted XXXX At LVNV he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call XXXX XXXX XXXX, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft. 
I sent answer to XXXX XXXX Court ( Date Marh XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to LVNV, XXXX XXXX Bank and XXXX XXXX XXXX enclose ID Theft Affidavit, proof of ID ... .... 
Only one I Have heard back from is XXXX XXXX Bank stating I am not responsible for any previous or further balance occured on this account XXXX
Collection company XXXX  called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.
I 'm a victim of identity theft as a result of this there were some inquiries made without my knowledge or consent, i have sent out numerous letters to Equifax with supporting documents, they are ignoring me and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus
I have been receiving up to 15 calls a day, at least three visits to my home, and numerous calls from friends and family that is being harassed by Covington Credit. Several weeks ago I had a car accident that has taken me out of work for approximately a month. I have explained to them on multiple occasions that I ca n't pay because I do n't have the income to do so. I have also asked them to stop harassing my friends and family, because I am injured and just ca n't pay at this time. The harassment has just increased and I am at my wits end. Yesterday I received a message from my boss at work and she stated that it was against company policy to receive multiple calls at work and receive mail at our work address. I told her that I was aware of that and she told me then that I had mail at work from someone and had been receiving continuous phone calls from covington credit. I need this madness to stop. It is impeding my recovery and causing great anxiety. This harassment has also put my job in jeopardy.
I went to send money to my brother in XXXX on XX/XX/XXXX, I paid everything for him to get money the same day. After 2 days my brother went to pick up the money 2 times and they said the money is not transfer yet. I called western union to ask them and I spoke with someone and he said he needs some information from me he started asking me questions and I responded to all the questions, he said my brother can go now pick up the money with the same Tran king number. My brother went agin they said there is no money transfer. I called again on XX/XX/XXXX to ask what happened and someone told me I cant send money and receive money with western union no more I asked why they said to go online. For me after many years I always send or receive money with western union I felt is not fair and I was not the way they should traits consumers. Iam so disappointed.
Between XX/XX/XXXX and XXXX 2015 they called me 7 days a week 5-7 times a day for a total of about 300 calls within a 45 day period
On XXXX 2016 I applied for a personal online loan from Northern Plains Funding. Everything was done online and I was not giving a copy of the contract after it was signed. I was given an user I.D . and password that only seem to work to sign the documents but after that it did not allow me to log back in to print out my payment schedule. My payment was to be {$87.00} per month for 27weeks or pay the full principle of the loan which was {$700.00}. However, they are now withdrawing {$210.00} every two wEEKS FROM MY CHECKING ACCOUNT. This needs to stop. I did not agree to this. I 've called to complain and asked for copies of my contract which they have not provided. Please help.
National Credit Systems continues to report to XXXX XXXX XXXX that I owe XXXX Aparments {$4000.00}. I have told them numerous times that they have made an error, and that this debt does not belong to me. I have never lived there. In fact, I have lived in my current home for over eight yeras. They claim that they have nothing to do with the debt being on my credit report, and if I want to contest it, I should contact XXXX XXXX Apts directly. I have done this, and XXXX XXXX tells me they have no record of my name having a debt with their community. I reported this information to National Credit Systems, but National Credit Systems continues to report this error on my credit report.
I never went to a hospital or clinic in  XXXX , California.My identity was used by someone and I was n't aware until I checked my credit.There is a collection on my credit with  XXXX ,  XXXX ,   XXXX   for {$250.00} and collection is hurting my credit.My credit scores are in the mid  XXXX .
Who use my identity to get credit or be admitted to a clinic or Hospital.
Per the attached letters dated XXXX XXXX, 2015, I had previously contacted XXXX of Texas questioning charges. I received a letter XXXX attached ) in return dated XXXX XXXX, 2015 stating that they would review my concerns and that they would respond within XXXX business days. I did not receive a response from them. Today I received a letter dated XXXX XXXX, 2015 from Financial Corporation of America, the collections division of XXXX Texas, again demanding payment, without any of my concerns being addressed.
I have been dispu ting  XXXX  inc orrect things on my transunion credit report for months now. These  XXXX  items should be deleted off my report. I received confirmation yesterda y  X/XX/2017  th at these  XXXX  items were finally deleted off my  XXXX  credit report. So it has been confirmed after there investigation that the items were to be deleted however transunion will not allow me onto the website to re-dispute them again and everytime I call transunion I keep getting transferred to different agents. The  XXXX  account is    XXXX   XXXX   XXXX    the  XXXX  account is  XXXX . These  XXXX  accounts are reporting as deragatory and they do not belong on my credit report. I have contacted   XXXX   XXXX   XXXX    cor porate office months ago and it was rectified it was to be deleted. I also contacted  XXXX  and that also has been rectified. I was instructed to re-dispute this information with the credit reporting agency 's and they will respond to have them deleted. Like I mentioned earlier  XXXX  has done so as of yesterday but transunion is still reporting this. Having this incorrect information reporting as negative is affecting my  credit score.   Transunion is not doing a proper investigation or they would be receiving notice from the  XXXX  different creditors to delete off my report. I am fustrated at the fact that I can not get online even with a confirmation number/answering all the security questions etc ... ..then I spend so much time on the phone trying to get to speak to someone to rectify this problem.
Equifax XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX can not seem to get anyone 's address correct. 
I 've been helping my neighbor across the street with clearly a different last name and first name and they send his mail using my address. This has to be stopped immediately. 
In the past, they sent a fraud alert to the identity thief in XXXX without permission. What is the matter with them? I will send proof of my name and address as well as the neighbor 's address AGAIN. Tell them to knock it off. I will follow up with a complaint to the Georgia Attorney General.
OCWEN Mortgage sent me a check recently for overpaying my Escrow. A few months later they tell me I 'm short on my Escrow so they increase my monthly mortgage fees. I have a feeling I 'm not the only one they did this too. Is this illegal? 
XXXX
I have repeatedly been given wrong information by this company. I was told that I need med to follow certain criteria to get a co signer released, and I followed all their guidelines and it took over 5 years and plenty of headaches to finally get the co-signed released. When I originally start anything back I was on able to forward the payments at the time told me to speak to one of my parents to get the money for it to put in the forbearance little did I know that putting in to forbearance would compounding interest I also didnt understand why my student loans would range from interest rates 6 % to 10.75 % They have not worked with me said that there was nothing that they can do. This has been going on for over 8 years.
I am repaying a loan from navient that i didnt get .They say i did but i have never been to a university, or college. They say this was back in 1983 I dont know the name of the school that i was supposed to of went to.Anyway they put me on payment plans they said in 5 years it would be forgiven but now they say it will be forgiven in 25 years.Why should i keep going threw this hassle when i didnt go to this school. I called them and ask them what school i went to and they couldnt tell me. please help me
XXXX XXXX : My wife and I refinanced our XXXX, XXXX house to purchase a lot. It took a mortgage, equity account, and a lot loan. Mortgage is through Wells Fargo. Equity Line of Credit is through XXXX Bank. Lot Loan is through XXXX. XX/XX/XXXX : Went to Wells Fargo Bank Branch at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. to try and refinance with HARP to reduce interest rate of 6 3/4 %. Loan officer laughed at me and stated they do not have to recognize HARP since they are earning better interest. XXXX XXXX : My wife did not want to wait to move. We put house on market, could not sell due to market crash. Rented out house. Moved from XXXX to XXXX, XXXX. Rented out house until XXXX XXXX. Put house on market again. Still upside down. Applied for short sale process with Wells Fargo and XXXX Bank XXXX XXXX. Discussed short sale with Wells Fargo and XXXX online, on phone, and received paperwork to fill out and submit. Paperwork is over XXXX pages. Sent by email, fax, us postal, and certified. One year later, and with assistance of mortgage attorney, XXXX, of XXXX, XXXX, No responses. We had offers to buy at short sale prices, No responses from either institution. Since process has been a year, multiple representatives from both banks by mail, email, and phone. No responses. Both banks deny ever receiving any application for Short Sale. Attorney resends updated applications and documents. Both banks again deny ever receiving applications and information. Both banks state they do not have to recognize short sale application ( s ) even if they did receive them. Rather than losing a little money in short sale, The banks would rather spend time and money on foreclosure. XXXX XXXX. Real Estate Attorney, XXXX recommends stopping payments to Wells Fargo and XXXX to get their attention. Both banks begin sending many letters and calling me XXXX times daily demanding payments. I inform them and our attorney inform them that we are trying to negotiate a short sale. Banks refuse to acknowledge. All prospective short sale buyers walk away. Keep trying to sell house in XXXX. Wife files for divorce. Divorce court orders I stop payments for XXXX House and Equity Loan. Inform them already did as of XXXX XXXX. Wells Fargo submits legal claim XXXX XXXX, XXXX for foreclosure. XXXX XXXX, put lot on market for sale. Receive offer in less than week. Enough funds from sale will balance the money owed on XXXX house. Wells Fargo refuses to acknowledge funds and wants to proceed with foreclosure instead. Why would Wells want to proceed with cost of Foreclosure? Why would Wells Fargo turn away so many good buyers? As an XXXX, this is a home I spent XXXX years renovating. I put quality finishes, energy efficiency, sustainable detailing. Wells Fargo does not care. Please note : The mortgage with Wells Fargo is an interest only account. Upon the direction of my wife, to keep the mortgage payments reduced, we went with interest only with the intent of keeping the house only a few years before building on lot and moving. Did not happen.
I started receiving telephone calls on my cell phone all through out the day with regards to a debt which I do not owe. I have requested validation and to discontinue contact. I continue to receive telephone calls from IQ Data International, regardless of the continued request to not contact me. Additionally, I have sent them a validation request in writing and they have not done so, however, have marked my credit report as disputed. I am being bullied by this company, despite continued request to send me any information that states that I owe them money. It has been almost two months since I have requested the information.
I have submitted my FTC and police department reports regarding my identity theft to all three major credit bureaus on more than one occasion. A few marks have been corrected, in their defense, but not all of them even though I have disputed them several times. I am a single mother and I am trying to buy a home asap for my daughter, who is in college, and my infant son. They should not have to pay for a theifs wrong doings. I work hard to provide for my children to make sure they are contributing members of society. The goods were even delivered to the person, who stole my identity, home. The identity theifs name is XXXX XXXX XXXX and the address is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. I have proof that I have not lived there in years. After she stole my belongings she had an order put in place so I could not come retrieve any of it. I clearly am not allowed to even go to the house much less receive, packages, credit cards or mail there. help me get this fixed. I'm desperate at this point. Thank you for your time and patience.
I initiated a re-investigation as is my legal right with Experian on information that they had failed to properly investigate. In direct violation of FCR A 611 ( 3 ) ( A ) - ( C ) [ 15 U.S.S. 1681i ], they determ ined the information as frivolous even though I had requested investigation of some different and very specific aspects of the records ( for example, due to their previous reply that they had not actually investigated the public record but instead simply went to another company to get information and not to the actual reporting body ) that was not presented when I previously disputed the information. Experian 's CONTINUED unwillingness to comply with my rights under the FCRA for information is causing me undue hardship, loss of opportunities for housing and is costing me actual monetary damages via higher interest rates, insurance rates and fees based on unverified and unvalidated information.     ADDITIONALLY, Experian has continually violated F CRA 606 ( 3 ) [ [ 15 U.S.C. 1681d ] in that  they have furnished an investigative consumer report containing a public record that has not been verified for accuracy of the information within a 30-day period ending on the date on which the report was furnished.     ADDITIONALLY, Experian has made applicable FCR A 616 ( a ) - ( d ) [ 15 U.S.C. 1681n ] Civil Liabality f or willful noncompliance. I am sharing the contents of this complaint with my attorney to decide on how to proceed to obtain damages from Experian unless this matter is satisfactorily resolved.
The collection agency sent an email to a 3rd party email address and disclosed the debt and all other information.