WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX / XXXX /2015 Wells Fargo Bank Account Acct #   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  -   XXXX    Ca  XXXX  Soc. Sec #   XXXX   Personally went into branch and advised a customer service representative on site of the fraud to this account and the overdrawn amount that was displayed under my name.The representative agreed to have this looked into and reported the issue. Account was supposedly closed, yet I have been informed that it has been reported.
This account was defrauded from a lost check book and has now resulted in this account reported to   XXXX   XXXX   XXXX  . I am requesting that this account be removed as I am having major issues trying to open a checking account with financial institutions.
The amount of {$1100.00} should be corrected and removed from my obligation do to the fraud that I reported to the institution.
I have been receiving telephone calls from Reps with this Collection Agency for several days. The Reps call my home # ( XXXX ) XXXX and my cell # ( XXXX ) XXXX all day. I have requested that the Reps stop these harassing calls ; but they ignore my requests. I have no idea which Debtor ( s ) they represent because all of my debts were included in a Bankruptcy Case during 2016.
In   XXXX /23, I   entered into a mortgage agreement with  XXXX    XXXX   XXXX   XXXX  n as a refinance mortgage for my house and lot at  XXXX   XXXX   XXXX   XXXX .  XXXX  Il  XXXX . The Loan number was  XXXX .  XXXX  transferred the mortgage loan to  XXXX   XXXX  which transferred it to  XXXX   XXXX   XXXX  which sold it to Fleet Mortgage group. From all these transfers,  XXXX   XXXX  did not remove the lien they put on our house or was not recorded as removed. I have tried to contact these companies but all the available phones are no longer in service and  XXXX  and  Fleet h ave no functioning phones.  Fleet w as brought by  XXXX   XXXX  which went bankrupt and was bought by  XXXX   XXXX . I have been trying to find out who can provide the release of lien for my property to no avail.
I 've been working with XXXX XXXX XXXX, XXXX. since XXXX XXXX, paying them {$100.00} each month in order to have my debts with XXXX XXXX and XXXX University " settled '' or " dismissed ''. I began receiving calls from Navient in XX/XX/XXXX/XX/XX/XXXX saying that they had taken over my account from XXXX XXXX and needed to speak with me regarding my accounts. Having been informed by XXXX not to speak to any of the companies regarding my debts, but to refer them to XXXX, I attempted to contact XXXX to resolve the issue. I did n't hear back from XXXX either in XX/XX/XXXX or XX/XX/XXXX despite continued efforts on my part, calling into the office, leaving voicemails, being disconnected when the representative said they were transferring me to an account specialist. In speaking with Navient to try to help with the communication between the XXXX companies I learned that Navient was willing to try to discuss a settlement offer, and left voicemails with XXXX letting them know. I also gave Navient XXXX 's contact information, but was informed later on that XXXX was not getting back to them. 
In XXXX XXXX I placed a stop playment on my account to prevent XXXX from withdrawing the XXXX under their XXXX XXXX XXXX automatic payment. Once the stop payment was placed, XXXX once against starting contacting me, saying that they were working on my account, had only been authorized under our agreement to work with XXXX XXXX directly ( not Navient ), and would bring my account current and continue work to resolve my student loan debt, requesting that I release the stop payment. Due to financial difficulties I chose not to release the stop payment and was surprised to see that they had successfully withdrawn two payments ( one being a back payment ) of the {$100.00} a couple weeks later ( in XXXX XXXX ) by drafting checks payable to XXXX. I issued a second stop payment in XXXX XXXX only for them to once again change their method, this time drafting a check payable to XXXX XXXX XXXX. 
I have recently been contacted by XXXX XXXX XXXX, XXXX saying that they are now working with XXXX and taking over several of their accounts. I did a little research and was disturbed to find out that XXXX uses the same services and companies to withdraw money from their clients accounts. I also called Navient and found out that my account has now been placed in collections with a separate legal group who were completely unaware of my working with XXXX. I have not signed any agreement with XXXX and based on my research do n't plan to. 
I also worked with XXXX XXXX XXXX to resolve my federal loans through XXXX XXXX between XX/XX/XXXX and XXXX XXXX, paying them {$140.00} each month only to be told in my last conversation with OMP ( XXXX/XXXX/XXXX ) that those loans may still be outstanding.
Found this debt on my credit report, but have never received any communication regarding it Sent a letter on XXXX requesting validation stating I would also be willing to settle the matter if they could provide proof They received the letter on XXXX, and as of this time they have not provided any documentation at all
I went into Speedy Cash and applied for a loan. I was first under the impression this was an installment loan then informed it was a payday loan. I was given {$350.00} in the store and option to go online and get more of the loan that I was approved for. I was told that was payment would be XXXX every pay day but that does not come off of the balance of the loan. This is all interest. I went online and received the additional {$470.00} and it showed the payment on that part would be like {$87.00}. Then when I received the statement when my payment was due it is now {$180.00} every payday of which NONE of this comes off of the balance. The interest on this is 565 %. How is this even legal? 
This is a ripoff. I understand I took out the loan and signed the contract but I believed I was deceived in the way it was explained to me and what the payment said online. Of course now it does not show the lower amount after I signed the papers it has the {$180.00}. This is ridiculous that none of this comes off of the loan amount. I understand paying interest on a loan but 565 % if beyond comprehensible. I need out of this situation. 
I dont mind paying small payments every payday if it is coming off the balance but I will never get this loan paid if all I am paying is interest.
Equifax did not secure my information properly and it was hacked and stolen. I am not in fear of having my identity stolen. I have spent a lot of time and money now signing up for credit fraud alerts and credit freezes.
This debt was given to Nathan and Nathan. I settled the debt in XXXX of 2018. Nathan and Nathan communicated with the original debtor ( XXXX XXXX ) the account was settled. XXXX XXXX has been still reporting to the credit bureau that I have an outstanding debt. They also have been reporting failure to pay even after receiving payment last year. I have been getting negative marks because it is showing I haven't been paying for months but the debt was settled and I don't owe anything. I've disputed twice and talked to them on the phone and still no results.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX DOCTORS BUSINESS BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation,  Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report DOCTORS BUSINESS BUREAU XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I 've continue to receive calls from a company called Eastbrook group who have threatened me stating they have sent police officers to deliver some documents in regards to check fraud claim. I received a phone call from XXXX XXXX who claims she is from the XXXX fraud processing department, requested for my current address information and if I did not respond the XXXX XXXX will issue a warrant to have me arrested. I do n't know what this debt is for, let alone I have not lived in California for two years.
My name is XXXX XXXX. I need to complain about PennyMac because they denied my loan modification request for second time. I got a loan to purchase my home from PennyMac on XX/XX/XXXX. At that time I had no problem to pay my mortgage because my husband was XXXX and had good income to help me to pay my mortgage. But effects of economy crashes hit my husband business too and he lost everything. My husband went through XXXX and as a result left me and our XXXX years old daughter. I spent all of our saving to keep my home but my saving ended on XX/XX/XXXX ; it was when I applied for loan modification with Penny Mac. PennyMac denied my loan mod request and proceed the foreclosure. I borrowed money from friends and family to save my home. I am working 16 hours to pay my bills and mortgage but this does n't let me to spend time to raise my XXXX years daughter properly and the other hand after my XXXX XXXX years ago- and going through XXXX, my XXXX so bad that I can not spend so much time on my feet. PennyMac offered me to sell my home because there is some equity on it. I did n't agree with PennyMac offer because selling my home pushes me to rent a place. The rent would be higher than my mortgage and the other hand I will spend the equity of home toward the rent soon I will be out of home and money. I again appiedy for loan modification this year and PennyMac denied it again and said XXXX XXXX does n't accept the request because I am paying my payment every month. Reality, I am struggling with payment.I am working 16 hours a day and asking help from my family every month and I can not continue any more. Last year when I did re-instead my loan I was charge so much by PennyMac for legal and other fees which added to my debt. I have to be in default again to be able to request loan mod but I afraid because PennyMac will charge me another legal and other fees. I need some one help me to modify my loan and reduce my payment. I can not continue to work 16 hours with having a XXXX years old child and XXXX.
I have worked hard on my credit ever since learning about it 's importance. I was very naive on my private student loans. I thought they were all the same. It is only years later, that I am fully understanding these things. A couple years ago, I began reaching out to companies holding my student loans to get them on the road to paid. Unfortunately, this has been a terrible experience, that I am losing. When I called for the Federal Student Loans, they were easy to work with and easy to contact. For the private loans, it has been an impossible dance around obstacles. I have been " disconnected '' and found not able to reach the holder. Then, whenever I do reach a person, if I do n't agree to an outrageous payment plan, they are not interested in setting me up on a payment plan. If I say, I can only pay {$25.00}, they want {$50.00}. If I say I can pay {$50.00}, then want a {$100.00}. And, the merry-go-round continues. All the while, they are docking my credit like crazy. Every year, they are selling and reselling my debt. The next collector calls and the dance continues. I get every other hour roto dialed calls ( and when, I go on the site to select not to be texted or auto-called, it never saves - so it appears I am accepting these calls ). When I answer, the dance continues. I tell them I want to pay. They say without agreeing to their terms it is useless and they are unable to enter me into a repayment plan. This is impossible. Even when I am not working ( currently ) they are not willing to hold my loans or accept any payment other than their bottom line. HOW DO I END THIS NIGHTMARE THAT LOOKS TO BE FOR THE REST OF MY LIFE!!!!! If I only had known how much this was going to affect my life, I would NEVER HAVE SIGNED MY NAME FOR THE LOAN!!!!
In XXXX, I had an insurance claim. The check was sent to Wells Fargo. On the check was Wells Fargo and my name XXXX XXXX. From the beginning, they made it hard. Wanting to pay the contractors in XXXX installments made it difficult to find someone to agree. Finally, after 9 months they agreed that it could be done in XXXX installments. At that point, I had a XXXX and told them that I could not do it. XXXX XXXX agreed to tear the whole roof off and replace slate with tile. that needed to go through the Historical Society. Someone fixed the roof and I asked if I could be paid because I fixed the ceiling. I was told to submit the request, later to be told no because I was in bankruptcy. XXXX another storm hits and the insurance company told me that I needed to prove that the first claim was fixed. Therefore, I could not remember and went through the phone book. Later my insurance agent told me the reason why I did not know who fixed the ceiling was because Wells Fargo had it fixed. That they had requested a list of contractors stating that I was incompetent. My insurance agent said XXXX you would have had to sign the check. I told her that I had never seen a check. Therefore, I called Wells Fargo at least XXXX times always to be told that someone was going to do research and get back with me. XXXX person did I missed his call and called him back without any response. I have told Wells Fargo repeatedly that it is raining in my home ; XXXX ceilings have come down in the bedrooms. The wood floors are warped. The water has moved to spill the ceiling in the living room, dining room, and kitchen. I have not resided there because it rains like a tsunami in the house. XXXX of XXXX this week I finally after going to the corporate office of the insurance company received an email with a copy of the check that was deposited by Wells Fargo with my signature forged. They received the check XXXX XXXX, XXXX signed my name XXXX XXXX, XXXX and sent a check drawn on Wells Fargo to the Bankruptcy Court in the Trustees name who in turn paid them as creditors. The sad thing is that all this time they worded our conversations as if the insurance check was sent to the Trustees. Wells Fargo did not send the insurance check to the Trustees. This week I sent the copy of the check to the trustees and was informed that they had never seen the check and provided me with a copy of the one send to them. Now my house still 2 years later is unlivable. Also the insurance did give me a check to fix the carriage house but Wells Fargo place an insurance deductible of XXXX. When I ask the insurance agent was the XXXX deductible still available when the placed the insurance on the house she said absolutely. Wells Fargo tried to convince me that it was the insurance companies doing.
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXXXXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX T XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7. XXXX XXXX
This is an account that you all have assisted me with complaint id # XXXX I was told that the hospital would not accept the proof I sent and when I contacted the hospital they stated that there was n't anything in there file stating that they spoke central financial control. My credit report reflected that it was removed and here a few days ago it is back on their. I have pictures I do n't understand why that form XXXX worked with all the rest of my medical bills but not them. Please help. And I also noticed on the different reports they show under different names.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Experian lists cell phone numbers which are mine. the incorrect numbers are XXXX and XXXX
I asked for my promissary note as the only signature that was on it was my signature. I did not know that Title Security had sold my note to someone else and they refused to give me any information or tell me who their XXXX XXXX company was to this day. I told them ( XXXX, the foreclosing agent ) that I would have to inquire about my rights with their regulatory agency, ( Title Security retaliated at that point and went ahead with the foreclosure, even though I was current on my payments ). They threatened to foreclose on me, if I contacted any govenment agency for help. They refused anymore payments and refused to tell me how I could stop the foreclosure, until it was over so I had to pay all of the fees for the foreclosure ( Is this Nondisclosure, fraud, etc.? ). When I contacted attorneys they assured me that this was illegal, but I could not afford their fees. I have kept in constant contact with Title Security to to be within the statutes of limitations for RICO, 4-5 years within the last contact with them.They are still withholding information even though they have sent the file to me, but it is incomplete. Now they claimed that I was not damaged because I later sold the property, but unfortunately was never paid for it, XXXX XXXX XXXX never gave me the funds for the sale, but this is another, separate issue that I will also present to you to be investigated.
Credit cards were open using my personal information. As per chase they were an XXXX and freedom card. I contacted the bank when I was made aware of the fraudulent accounts. These accounts were open when I was in XXXX XXXX ( XXXX ) .The credit card company closed the old cards and reopened new credit accounts and charged me for it. I provided a police report and a bank statement to the fraud investigator because she asked for it. The fraud department is now asking that I provide them with my bank account information to help them with their investigation. I asked for proof that they couldnt provide. 

I need all credit card accounts in my name with chase closed and removed from my credit file as I never applied for any credit card with chase. 

Thank you,
This credit card company changed my address to a Kentucky address send this lady a card on my account in the name of XXXX XXXX she charged bills at a XXXX XXXX XXXX store in XXXX Kentucky $ looks like $ at least {$340.00} reported to the 3credits bureaus that I was over my limit witch I was not they are still telling me to pay it
My name is XXXX XXXX XXXX, I 'm a XXXX Veteran. Jefferson Capital is in clear violation of the FCRA/FDCPA by reinserting an already reported debt, also a debt that is already involved in litigation, which I am sure they do not wish to be a part of. 

Please see the attached letter. No validation has been received. Furthermore, I do believe I am judgment proof as my status above would indicate. I am XXXX and unemployable for life. 

I have been advised by my attorney who I 've cc 'd on this complaint that I am entitled to {$1000.00} per violation under FDCPA/FCRA plus attorney fees. I do not wish to litigate, but if I have to I will. 

cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX
I made XXXX application for credit at my local XXXX dealership and there are XXXX hard credit inquiries on my credit report rather than just XXXX inquiry. This has lowered my credit score considerably. The credit reporting agencies do not provide a method to correct this obvious error.
I have disputed this entry with Sunrise Credit Services regarding them placing a negative entry on my credit report without providing a dunning letter that would allow me 30 days to dispute the validity of the alleged debt. Once I became aware that this entry was placed on my reports, I immediately began the dispute. I submitted to Sunrise via certified letter with return receipt a dispute requesting that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Sunrise did not comply. They sent merely a statement that was created on their letterhead and reflected an arbitrary number that did not have any documentation to substantiate it. The document they sent lacked veracity. Anyone can create a statement on letterhead and allege a debt is owed but in this case, this alleged debt is not validated. Sunrise should have provided a copy of the financial responsibility page from the provider that reflected my signature granting them permission to disclose/release medical information about me. 

In XXXX I resubmitted yet another dispute with this company by sending a certified letter with return receipt whereby I was still refuting what they were continuing to report. Tracking ( see attached ), reflects that this company received the letter on XX/XX/XXXX and to date has not responded. My request was twofold : for them to provide a copy of the financial responsibility page and 2, cease any and all reporting of this entry on the credit bureaus until I had validated the debt. Sunrise again blatantly disregarded this request and as you can see on the attached credit report, continues to do so. THIS IS ILLEGAL!!

Sunrise blatantly violated my consumer rights by placing this entry on my report without providing me notification and too, they did not respond with any documentation to support the erroneous, inaccurate, unverifiable information they are reporting on my credit reports. Further, I have never heard of this company nor have I ever did business with this company, yet they are continuing to report negative information on my reports. 

This entry should be DELETED IMMEDIATELY!