WillisBack/dataset-financial-user-claim huggingface dataset:
I WAS A VICTIM OF IDENTITY THEIFTED AND NOW A VICTIM OF WELLS FARGO SUSPIOUSE ACTIVITY,,, THESE DISPUTES ARE A FEW OF MANY XXXX WAS AN ONLINE ORDER THAT I NEVER RECEIVED TO THIS DAY I HAVE AN ATM {$300.00} WITHDRAWAL NO CASH DISPENCED A {$100.00} ATM WITHDRAWAL ON A MOBILE CHECK DEPOSIT THAT CAME BACK UNCLEARED AND WOULDN'T ALLOW ME ( IT WAS ON HOLD AND SAME DAY IT CAME BACK IS WHEN THEY ARE SAYING I WITHDRAWAL THIS MONEY AT A XXXX BALANCE ) TO TAKE MONEY OUT. A {$60.00} WITHDRAWAL CANCELLED TRANSACTION,,, A {$40.00} No cash dispenced atm withdrawal,, as I've talked to claims,, cases were not even fully looked into,, and they had no reasoning,, then at branch i an informed of an everyday checking account i didn't open i had an easypay account and I'm this checking i didn't know i had three credit card i was clueless about,,, so with Wells Fargo reputation i became feared,, as o asked questions my account is facing closing yet i have XXXX owed that's being icored and now I'm in minis,,, all i want is my money back and then close these accounts out
It has been reported to the credit agencies by Citibank that we have missed mortgage payments and are delinquent. The reporting of this information by Citibank is an error and is false. As a victim XXXX we were told by Citibank that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. At the end of the forbearance, we started to make regular scheduled payments. Shortly thereafter, we received notification from Citibank that the entire balance for the months of the forbearance were due in full. When we called, we were told by Citibank that the information we received regarding the repayment of the forbearance amount was incorrect. Citibank stated that this was the result of inaccurate and misinformation being administered by customer service because of the unique situation regarding XXXX XXXX. Citibank further stated that in their effort to administer aid to XXXX victims as quickly as possible customer service was not fully knowledgeable of what procedures regarding forbearances were permitted. 

As a result, every mortgage payment we made was being applied to the payments due during the forbearance period thereby making our current payments appear late. We have been trying amicably to resolve this issue and have spoken to countless customer service reps, supervisors and have even written to the office of the President, to no avail. Even after sending us two separate letters stating that they would repair our credit, CitiMortgage has failed to rectify this matter. This has been going on since 2012 and our credit reports appear as if we have missed numerous payments. This is not possible because the forbearance was only for XXXX months and when it was over we started making payments and have continued to do so to date. As of XXXX 2014, Citibank sold our loan to XXXX and the misinformation and negative reporting has been continued by XXXX. We were with Citibank for close to XXXX years and never missed a mortgage payment.
I PREVIOUSLY COMPLAINED ABOUT XXXX REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A XXXX XXXX REPORTING ON MY CREDIT FILES ( XXXX IS REPORTING AS XXXX ON MY EXPERIAN CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY XXXX IS REPORTING IS XX/XX/XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XX/XX/XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM XXXX DATED XX/XX/XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM XXXX.
XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX Phone call states it is the XXXX XXXX XXXX XXXX, calling for XXXX XXXX, file # XXXX. To call back @ XXXX. I called repeated times to have them remove our phone number. We are an elementary school and do not have an employee named XXXX XXXX.
I am selling my house to my ex-wife, XXXX XXXX. When she was ready to close a 2nd mortgage popped up that I had not seen or heard of for 10 years. XXXX XXXX XXXX was the 2nd loan I had orginally taken out to purchase the house. When they went of business I assumed that XXXX XXXX  took over the 2nd loan since they had taken over my 1st loan. I did n't receive anything from any other bank and currently nothing. Eleven years have passed since then and another lender took over for them in the mean time ... XXXX XXXX. I do not have this 2nd loan showing on my credit report. I 've spent 3 weeks trying to find out who assumed that second loan. There 's nothing on the title and no one could help me. My ex-wife finally order a title report and she emailed to them. She is showing on the deed only, not on any of my loans. They told me after a few days that the loan had been sent to collections with Dyck O'Neal Inc. I called them and spoke to a representative named XXXX. He told me that they had it. It had been there for 10 years. It had accrued interest in the amount of {$14000.00} plus the XXXX that was owed. Then he asked how much the house appraised at and how much money my ex-wife was getting back. Then maybe they would consider removing some interest? She was only approved for the original balance. I do n't think this is right. I feel that since they made no effort to get a hold of me and it was n't showing anywhere on my credit report or with the county on the title that that 's not legal. I 've exhausted every avenue and want to get this over. I also believe that the 2nd loan was charged off. Thats why it 's not showing anywhere?
I recieved credit alert from XXXX and XXXX yesterday. When i checked my credit history i find a collection account reported from XXXX different address with XXXX different name for the same amount of money ( {$110.00} ). I have never recieved any communication or letter from all the collection agency reporting about the alleged debt i owe. The report is placed on all the XXXX credit bureau at this time. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The name of the company reporting the same negative information are creditor service of Morgan, Wakefield and associates from XXXX and XXXX.
Yesterday I received my monthly mortgage statement from Seterus and the amount due had doubled. 

Last month the amount due was {$400.00} and for XX/XX/XXXX the amount due is {$990.00}. No explanation for the increase was included and the account is current. To my knowledge I have never paid a late fee and have paid down the principal with almost every payment. 

This is a variable loan. No prior letter was sent that the rate adjusted from XXXX % to XXXX %. In the past I got a letter explaining why the rate changed and even if it did not change they sent a letter confirming the interest rate. 

The principal amount due increased {$530.00}. This huge increase came with no explanation or description of any kind. 

At the time I took out this loan with XXXX XXXX XXXX this balloon increase was never told to me. I clearly remember seeing a diagram in the loan documentation that showed the rate increasing - I asked about this and was told this was an example of the variable rate increasing. 

I was never told this was a time bomb loan - I was told it was principal only loan and if I did not pay it off by the term of the loan - I would have to refinance the property. 

Seterus purchased a loan with a time bomb in it and never gave me advance warning - beyond 45 days of XXXX rate increases.
Citi Bank settled a case for over charging interest between XX/XX/XXXX and XX/XX/XXXX. I was involved in this settlement and received a check for the incorrect charges on one existing credit card account. 
I had an additional Citi Card account that has not been reviewed or any notification provided. The concern here is that the account was transferred to XXXX XXXX at the start of XXXX. How do I get confirmation that the additional account ( no longer Citi Bank ) was fairly reviewed? 
Citi is in denial and XXXX has no request for review to date.
I CHECKED MY CREDIT REPORT AND THIS COMPANY TODD, BREMER & LAWSON INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SOUTH CAROLINA XXXX. XXXX - XXXX. IS LISTED ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS company. THIS ACCOUNT IS INACCURATE AND HAS NOT BEEN VERIFIED. I DID NOT RECEIVE NO INFORMATION ON THIS DEBT. UNDER THE FCRA 15 U.S.C 1681i ALL UNVERIFIED ACCOUNTS MUST BE REMOVED. THE COLLECTION COMPANY PICKS ACCOUNT AND JUST PLACED ON MY CREDIT AND I HAVE NEVER WENT TO COLLEGE, NEVER WENT TO A UNIVERSITY XXXX. THE COMPANY ALSO HAS FEES LISTED FOR THEM. THIS NEEDS TO BE REMOVED
XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by me.
I owe an old account from XX/XX/XXXX it 's stating to XXXX they sold that debt off to a collection agency and are stating I opened the account in XX/XX/XXXX and XX/XX/XXXX it went into collection. They sold a account that falls under NY state statue of limitations of 6 years and are selling it as a new account when I called to obtain the account paper work even the guy I spoke with informed me they were selling my account from XX/XX/XXXX and it 's illegal to do so marking it as new in XX/XX/XXXX.
The online company is called Coinbase.com. I sold my bitcoins onXX/XX/XXXX. That 's the date coinbase is showing as the transaction as complete. Coinbase promises 4-5 days for it to show up on my XXXX XXXX XXXX account. It 's nine days now and no response from Coinbase after I emailed them. My account name is XXXX Amount of money due : {$1900.00} Transaction reference number : XXXX Can yu help??
Back in XXXX I got two small loans. Both were subsidized and together equaled about $ XXXX. My loan was with a certain lender and in XXXX Mohela bought the loan. Ive been out of school since XXXX and have made every payment possible. Since the beginning I registered for automatic withdrawal from my bank account. I have Never missed a payment. I am in shock that even after 10 years that loan has not been payed off. I still owe about $ XXXX! These lenders take just enough to keep this loan active as long as possible and get as much interest as possible. There is no reason why so little is withdrawn from my account and therefore extending the length of the loans.
I submitted evidence to XXXX and Equifax on XX/XX/XXXX in regards to an obsolete account with XXXX XXXX XXXX Bank for a secured loan obtain in XX/XX/XXXX. I contacted the Mississippi Attorney General Office in regards to the state statue regarding delinquent accounts and collections practices. I complied with all the state guidelines in requesting verification information from this creditor ; however, this creditor fail to provided the required documents within the 30 days allowed. Once I received this information it was not accurate nor had all the requested documents to provide proof that XXXX XXXX  the new proclaim holder had the right to collect this debt. I responded to XXXX XXXX letter dated XX/XX/XXXX however I received it XX/XX/XXXX ( envelope show postal date stamp XX/XX/XXXX ) which was beyond the 30 days from the receipt date of XX/XX/XXXX ( certified receipt included ). Reviewing the attached documents will show XXXX XXXX XXXX XXXX aka XXXX XXXX has fraudulent changed data on my report after I made them aware of Mississippi laws that they were not in compliance to. I received a letter on XX/XX/XXXX from XXXX XXXX, Compliance Officer stating the account is now noted to stop all collection actions based on this law ; however, she fail to compromised by deleting this account as stated in my request because XXXX XXXX and XXXX XXXX XXXX violated my rights as a consumer. Reporting inaccurate information for the previous 4 years and attempting to collect on a debt that is not allowed by Mississippi state statue from 1 year of foreclosure. This account was never classified as foreclosure but a charge-off and business loan until now. This account should be deleted because of the non-compliance acts this bank has taken against me in collection practices. See attachment for further detail and documentation proof. The credit bureaus fail to evaluate my evidence but appeared to believe the bank after they alter information that was inaccurate for years.
I have XXXX credit card accounts with Capitol One. The last XXXX of XXXX card is XXXX and the last XXXX of the other is XXXX. On XXXX I made a payment of {$30.00} on XXXX but there was an additional unauthorized payment taken out of my checking acct on XXXX. I called Capitol One and explained that XXXX payments were paid from my bank, they called my bank and verified that the XXXX payments were paid, and I faxed documentation proving that. Upon reviewing my payments made on the Capitol One website, it clearly shows only XXXX payment credited to the acct of XXXX, yet XXXX payments were debited from my checking acct. On XXXX I received a letter stating that XXXX payment was paid on XXXX for acct XXXX and the other payment was for XXXX. I do n't have a Capitol One card with the last XXXX of XXXX! The {$30.00} has NOT been returned to my acct, and I am very upset that they can not see that I do not have a credit card with the last XXXX of XXXX.
My name is XXXX XXXX and I have a File Number with Finkelstein, Kern, Steinberg & Cunningham, P.C. The court appointed amount to be paid each month by money order is {$25.00} per month. This company has tried to raise this minimum amount to {$65.00} per month. In my opinion, this company has to ask the Court to raise that amount. I almost had my Car repossessed and have to have basic utilities and Auto Insurance. I have tried to sell my home six times and it was not successful. I have had to change my cell number which is prepaid and is not always in use because of cost I am keeping a file on the amount of times he calls me and what is said. I had to pay my property taxes which were behind so my property would not be seized and sold for property taxes. I have lost my home phone service also. This has been stressful. I will not give him my Bank Account Number at all. He gets a money order for the {$25.00} each month or nothing. I will go back to court with notes and report his abuse. I only have social security to live on. I have had XXXX and XXXX problems with some jobs because of standing on my feet. Some employers do not give you a break regularly. I had to report an employer to the Department of Labor to get 8 hours pay after two months. I worked in Debt Collection and I know they are governed by laws also.
My name is XXXX XXXX and I tried to find out if my personal information was part of the Equifax data leak. I went to the Equifax website to find out if I had been part of the leak, and I never received an email or any notice that I was part of the data leak. I attempted to call their service number today because it turned out I may have been enrolled in identity fraud protection I neither want nor need. This phone call took place on XXXX XXXX, 2017 at about XXXX XXXX. and I spoke with their operator XXXX. XXXX informed me she was unable to help me and to call another customer service number. When I tried that number the line was disconnected. I 'm really sick and tired of not being able to access my credit report, and I 'm really tired of not knowing if this is the 13th time in my life I 'm going to have to deal with identity fraud. I wish I could sue, but I do n't even know if I 've waived that right by being accidentally enrolled in a service I do n't want. It 'd be nice if someone for once in my life would advocate for me. My XXXX lawmakers wo n't do it, my state lawmakers wo n't do it, so who will? I am not earning the same income I once was and I really, really need to know if my credit is affected by this. I have no savings and I really need to know.
Credit Collection Services recently posted a collection to my credit report for a debt I do not owe. XXXX was paid and complete. I do not owe them. 
ALso you put this on my credit report without sending me a 30 day right to dispute notice!
we applied on line for a loan with a company called community choice financial, they said we were approved, so the XXXX thing they wanted us to do is open up a checking account with XXXX bank, because that 's the only bank they deal with, also XXXX we opened up account to call them back, so we opened up account, called back they, then they said to go back to bank they would deposit XXXX dollars out of the XXXX we were getting, with draw the XXXX go to a money gram place and they would tell me where to send it, I ask them why pull out then send it back, they said it shows them good faith on paying back the XXXX dollars XXXX many red flags ). they were suppose to be in XXXX but the address on the application is XXXX, so we web searched the XXXX address got a number called, explained to them why we called they said never heard of them XXXX red flag again XXXX and then we contacted you. also they would not give me a lic. #. thank you
I disputed information on Experian disputes for credit card accounts that were past thpast the seven year limit and they did not remove them. They changed theaccount date which was XXXX to year XX/XX/XXXX which is not true. tried todispute info again and Experian will not allow you to dispute online unless youpay for it. they also did not allow me to go back and view my dispute but once, event though the 30 day limit was not up. there is no contact email so you cansend any complaint issues and they put inaccurate verification information soyou ca n't even verify your identity in order to dispute anything online.
On   XXXX   XXXX   XXXX     I sent a letter disputing multiple accounts to experian and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX    They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  XXXX  day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
I was a victim of bank fraud by Wells Fargo several years ago but was able to sell the house the loan was for. The second time was a mortgage loan originated by a local bank in Idaho called XXXX XXXX who immediately sold to another bank which was XXXX Bank. The loan was a derivative meant to force foreclosure since my debt to income ratio was way too high w't even make sense or respond to the appropriate account details.ay too high and the bank should never have approved the loan. This loan was my mom and dads house which I had XXXX third interest in and also had {$26000.00} for a down payment to get a lower interest rates and affordable monthly payments. All my complaints and questions were never addressed adequately even when I sent tangible documents to prove my case all the way through both banks system but there was no one accountable and my serious complaints were ignored answered by various form letters that didnt refer to my account detail and did n't even make any sense. I lost almost everything I worked my whole life for due to the financial breakdown. The banks were all stealing my money and no one would help me and I could n't afford a high priced attorney and even if I could what lawyer is going to stand up against the tremendous power the mortgage lenders had on everybody. Although I was able to reaffirm the loan I still have on my mom and dads estate, I owe way more than the house and property is worth. I had to move out and get it rented to cover the mortqage and equity loans I had to get to pay all my bills. XXXX mortage and equity loans are through XXXX Bank they had me set up so I was robbing XXXX to pay XXXX ( so to speak ) I had to move back to XXXX State and request XXXX for the first and only time in my life at XXXX XXXX XXXX it was a tremendous strain on my pride and self-respect. Even now I still suffer high insurance premiums and large deposits for rental housing, power and other utilities. Would you kick a suffering dog when he was already down?? That is what it feels like to me. I have no more options or funds to continue this fight just trying to pick myself up from the bottom and start over.
I have paid all my debt, accounts that were past due or closed. some were removed but others were n't. i wrote to the credit reporting and sent them copies of the letters I received that shows they were paid but nothing has changed
I have XXXX balance transfers on my US Bank credit card - XXXX due XXXX XXXX, XXXX due XXXX XXXX and XXXX due XXXX XXXX. All at 0 % so there is no highest percentage to payoff first. However, the minimum due amount goes towards the XXXX XXXX balance and the rest goes to the XXXX XXXX balance with none going towards the XXXX XXXX. How is this fair. They are paying off the one that is due longer not what is due now. I want to payoff the XXXX XXXX balance but was told that if I do that only minimum payment goes towards that balance and the rest will go to the XXXX XXXX. I have to payoff the XXXX XXXX first to payoff the XXXX XXXX. This is not fair! I do not have the money for the entire amounts just the XXXX XXXX. So when I can not pay off the XXXX XXXX balance because of the way they are allocating my payments I will have to pay accrued interest on the balance due XXXX XXXX.
I been trying for more than a year since my 10 year interest only note came do on the second mortgage I can not pay the whole thing and have been asking for a payment plan when I started this they told me not to pay anything till this got worked out .I did get my first mortgage modification done over a year ago and sill nothing and not they are trying to take my family home we have lived and payed on this home for more than 12 years now I mam XXXX years old and have been send them the same updated documents every month over and over again. 

Please Help
I had recently found this collection amount in my credit report it says 9 months ago from XXXX XXXX XXXX in Texas. I live in the state of Washington. I have not signed up for anything regarding to my credit within that time. Ive dissputed it multiple times for it to be the same. Ive reached out to the company online and telephone to ask what the collection was and they dont answer at all. They take me to a operated machine that says leave a voice mail. Ive got no call backs, no email replies. Ive read on the XXXX XXXX answers and question from other people that this business is a scam who is using its company to collect money from people and I am concern that this is effecting my credit when I dont owe anything!. It couldnt be my school loan because I have a forbearance on it since I wasnt employed and afford it at the moment. Theres no other possible loan I owe besides that. Ive been calling for months and they have NEVER reached out to me to tell me I had this collection like other companies do.