WillisBack/dataset-financial-user-claim huggingface dataset:
Usaa unfairly closed my account due to fraud which i did not commit and vague basis so now they sinister ways closed my account for good without merit or evidence and just assume i abuse and fraud their account and just misunderstanding the account the operator told me to close credit card and get a new card not knowing she was leading to the wrong direction on how to handle card fraud she told me to. Close account anyway just to be safe and the bank think I was misleading them which I did not intend to do because they saw the other transaction I admit I did but was confused on the other transaction so I followed the USAA operator and I closed the credit. Card to get new XXXX and now they closed my account because of fraud and mismanagement so that was unfair and unjust I 'm so frustrated now they gona close my bank accounts too and not do business with me all because the lady told me to closing knowing full well there was a big chance USAA will close the account it was disrespectful for a banking institution to do that at their discretion without credible reason and evidence it 's sad and unfortunate and it right now they want to no longer with. Me I. Ca n't even dispute. My them all in deaf ears it 's so rude too
TransUnion has blocked me from getting my credit report online. This is preventing me from being able to monitor my credit report for fraudulent activity. I am paying TransUnion to be able to monitor my credit score & report but ca n't update or view anymore reports from them due to the block. I 've attempted to call TransUnion and I get transferred to the fraud department which then transfers me to some some special Priority department voicemail. I 've left several voicemails and they do not return phone calls.
ON XX/XX/2018 I submitted a police report and identity theft affidavit along with the identity theft report from the federal trade commission on 3 items that were not mine. They removed the XXXX Account but the XXXX XXXX account and the XXXX XXXX  XXXX account have not been removed. I am a victim of identity theft, and I have followed all procedures. Equifax is required by law to remove these accounts from my credit report within 4 business days according to the Fair Credit reporting ACT. The other bureaus did follow the law and removed those accounts. Equifax is the only bureau that is doing what they want to do by not removing the accounts and inaccurately verifying fraudulent accounts. I am going to have to see an attorney about this matter because it is not right and it is illegal. 

According to the FCRA 605B ( 15 U.S.C 1681 c-2 ) Equifax is supposed to block the reporting of information in the file of a consumer identities as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt by such agency
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender was provided a loss mitt package to review on XX/XX/XXXX - was advised this was never received - the package was re-submitted on XX/XX/2017 - was advised that our QWR and NOE was received on XX/XX/XXXX and was under review. The lender has advised that they will not postpone the sale for the research of the loan to be completed and will not review the file for a loan modification - the information was received in more than enough time for a decision to be made on the loan for the assistance being requested.
My wife and I started having trouble paying our mortgage after my wife was diagnosed with XXXX and quit working. We started the loan modification process, which was a lot of work. We knew there would be applications and documentation that would need to be submitted, but it seemed like everytime we completed a task, suddenly there would be an unseen hoop wed have to jump through. We brought in some help from a local HUD agent, which helped get things moving. We finally got to what seemed like the last step of the process, which was a letter of explanation regarding who was listed on the title of our home XXXX my wifes name is on the title, but not the actual loan ). I drafted the letter, faxed it in within a day or XXXX, I even explained that the title included my wifes maiden name and had since changed since we were married. Well, my mortgage company came back and said I was denied because I was unable to provide a clear marketable title .... My HUD agent tried contacting the company, but could never get a straight answer as to why, other than having my wife listed on the title of OUR home, we were denied.
I recently discovered a large amount of fraudulent information on my credit report. Private information of mine was obtained I recent and past worldwide date breaches and my identity was stolen and used to open fraudulent accounts. Please remove this fraudulent information.
I have tried on two previous occasions to dispute this account through XXXX but they keep verifying it. I have never heard of this company before it showed up on my report. I have received no phone calls and no mail from them. I have not been given the opportunity to ask them to verify the debt and, while XXXX says they've verified it, no details are given to me about how. Simply, it's not my account and this company has made no effort to prove it is. 

In addition, this company has reported to XXXX  that they turned THIS account over to collections. So instead of showing as a collection account, it shows as an account I opened ( I didn't ) and shows that they've turned it over to collections. They are also REPORTING MONTHLY THAT THE ACCOUNT IS DELINQUENT. As in, they are reporting a missed payment every month.
I first learned of a lawsuit against me on XXXX XXXX, XXXX from a collection company called Persolve LLC when the payroll department of the company I work for sent me a notification of wage garnishment for XXXX %. I reviewed the documents sent to me by my payroll department and found out I had a lawsuit against me first filed on XXXX XXXX, XXXX with proof of service of summons on XXXX XXXX, XXXX, dismissed on XXXX XXXX, XXXX then a judgement on XXXX XXXX, XXXX and writ of execution on XXXX XXXX, XXXX. I was never notified of the lawsuit, notified of the serving, notified of the judgement or wage garnishment. The original debt was from a $ XXXX credit card that went into default in XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX that Persolve LLC bought and turned into $ XXXX debt with an interest rate of over {$4.00} per day. Persolve LLC is not the original debtor and never served me or notified me in any way.
XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken. 

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX  again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken. 

XXXX XXXX this was reported on my inquiry twice same day XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX removed no action taken.
I purchased a used vehicle from  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   2017 . They secured financing for me through  Global Lending  Services. I purchased the vehicle in  XXXX , but I live and work in  XXXX . I am  XXXX   years old  and this is my first major purchase. The dealership charged me for tags and title, but to date I still have not tags or proper registration for my ca r. Global Lending S ervices told me they do not have the title and I ca n't get anyone from  XXXX   XXXX   XXXX  give me a clear straight answer about where the title is, or even to call me back for that matter. This is very frustrating because my temporary tag s ( 2nd set ) is about to expire yet again. I 've paid inspection fees in  XXXX , and I will have to pay for tax, tags an d title in  XXXX . I would like the title to my car, or the information I need to get the car properly registered, as well as a refund for the tags and title I paid for in the state of  XXXX .
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX National Credit Card Cos. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Complete Dept. Stores XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
To whom it may concern, I looked through my credit report earlier last month and found a few items that I felt needed to be verified. I sent Portfolio Recovery verification letters by certified mail with a signature return. The letters were received by Portfolio Recovery onXX/XX/XXXX. When I looked at my XXXX XXXX   Credit Monitoring onXX/XX/XXXXit said that Portfolio Recovery had updated XXXX. Portfolio Recovery updated XXXX onXX/XX/XXXX twice, there are two accounts. It also updated XXXX onXX/XX/XXXX twice. Can they update an unvalidated account four times like that? I thought they needed to send me the validation I requested first. XXXX XXXX reports " meets FCRA. '' That can not be true when I have disputed with all three credit bureaus as well as Portfolio Recovery and received no answer as of XX/XX/XXXX. My credit bureau disputes were received at the beginning of XX/XX/XXXXby all three and are documented with certified mail, a signature return and the USPS website with what delivery date is.

Portfolio Recovery had previously updated my credit reports on XX/XX/XXXX

I included a screenshot of the letter that I sent Portfolio Recovery and I also have dated documents ( Certified Mail with Signature Return ) for when they received my asking for validation of debt.
on XX/XX/2017 my parents received a phone call from some man stating that he was a XXXX County ( GA ) detective and that he had court documents to serve me with. He gave my mother a phone number to call if I needed more time to work this out. Well, I called the number XXXX case # XXXX and was transferred to a XXXX XXXX from XXXX XXXX XXXX She turned out to be one of the rudest persons I have ever spoken to in my life I started asking her questions regarding this debt and that 's when she started to call me names, stupid ( she told me she was smarter then me ) and she also stated that I had selective memory on my debt that I owe which she had stated was about 8-9 years old, she threatened to go to my job etc ... .. The first call she hung up on me so I called her back and that 's when she really start the name calling so I must admit I lost my cool and told her to go ahead and send me the XXXX papers Anyway, I have a document, release of liability, from a law office that I have already paid this debt which is from HSBC ( XXXX ) but this women would not even listen to me
On    XX/XX/XXXX    I visited a  XXXX  at   XXXX   XXXX   XXXX   XXXX     XXXX  KY.     A credit application was submitted without my written consent. I pursued the doctor NOT to submit the application given that it could be a hard inquiry and will impact my  credit score.  The doctor convinced that it is not hard inquiry and submitted the application. Now my  credit score  dropped by  XXXX  points yesterday. I do n't even need this credit application. Would you be able to help revert this credit check?       XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX
This is not an account attributable to me, someone has obviously been using my SSN to gain access to services under my name. This is not my debt and needs to be cleared from my credit files.
These collection accounts below are not mines. I have contacted all three agencies and the Attorney General in which these companies have XXXX in to dispute the collection tactics. 

XXXX XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + XXXX Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported : XXXX XXXX, XXXX + XXXX} Needs Attention
I 've been trying to deal with this doctor XXXX XXXX for years now with no avail. I only saw the guy two time in which he prescribed me medication, that i was n't suppose to be taking. Then I come to find out at this doctor was a fraud for organizing and scheme patients and insurances for years. He was take XXXX of dollars in brides. When I call the office to fight the claim the nurse would give me nasty attitude one even cussed at me and threat me if I did n't pay.
This complaint is about TD BANK enormous usury fees without full disclosure and the problems with XXXX. My property was used for storage, never touched until TD BANK sent in workers to change the locks.We believe TDBANK Workers took out storage boxes marked " Silver '' then went back for more. We believe TDBANK workers took away, stole, the entire contents outside the back door leaving a gaping hole. We are still trying to discover what they took away leaving a gaping hole.The break in was discovered early XX/XX/2018 by XXXX XXXX XXXX XXXX broker ( XXXX  ) who had property for sale. XXXX  went to check the property, saw the break in and damage. XX/XX/2018 XXXX said TDBANK needs to track down the workers who broke into and ransacked my property. Full disclosure is a legal requirement in real estate transactions and TDBANK did not do this.
this is in refferiance to my american express debit card ... .. I 'm inquiring if you could help me gain  account information i purchased the card with my debit card but i have a different account now.. from there i purchased a few totals over or possibly 12 thousand ... from there i would like to with in reguards to my social security hoping thats what is locating refferianceability I 've even had a sev and ... from the m .... with that stated i would like if you could do all in your power to help i do n't have any information to offer as in any more other than my birth date as well which isXX/XX/XXXX as well from there i would like if you could refferiance the applicabilty of a prior complaint i would of sent ... aswell if unable what is the difference if i purchased with a XXXX bank debit card from a checking account in the united states of america do to thts were i from live as well would of been using the card ... if attempted purchases would matter.. i canceled an order from XXXX ... as well I 'm not sure but my latest deposit or money transfer ( all only in regards to the american express gift card reloadable card ) from transit check ... if not 1,800 dollars 2,800 dollars ... humbly I 'm in a destine situation this was my emergency money which for whatever reason if email encryption then that but i ca n't access ...
Services received by my son from XXXX XXXX during period that my son had full coverage from medical with XXXX copy. When I discovered that this was a charge now sent to collections that was not my responsibility. I tried several ways to resolve this. I faxed a letter from Medical stating coverage start date and proof of coverage during the visit that was wrongfully placed as my debt. I spoke on the phone to XXXX and XXXX and was asked to fax proof of.coverage. I made a copy and did just.that. I am suffering from this collection account, Medical may have made a mistake.or the billing department from the clinic. I want this to be completely erased from all XXXX credit bureaus. Thank You, XXXX XXXX
I called the company to let them know I do not owe them the debt the person I was speaking to get hostile with me told me my credit would be damaged my work check will be taking in my federal government taxes would be taking to
XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) Dispute confirmation XXXX is still showing as pending on the online dispute status tool. The work has been completed. I have called the Equifax dispute customer service who continue to confirm the work has been however they have no idea or why the online status information has not been updated. I was told that this is holding up alerts to credit monitoring. I have been transferred back and forth between the dispute department and the personal solution department and Equifax refuses to resolve this issue.
I have received repeated phone calls from XXXX. They are trying to reach my ex husband. I am divorced from him for a reason and should not receive phone calls regarding any of his private financial business.
Seneca Mortgage has violated RESPA ( 12 U.S. Code 2605 ) by not responding to my Qualified Written Request ( QWR ). 

On or around XX/XX/XXXX I changed my homeowners insurance carrier and PAID IN FULL for the entire year to protect myself from Seneca since they have proven to be incompetent at best -- criminal at worst -- in how they " handle '' escrow. 

Seneca was sent multiple notices of the change via their online system, via fax, as well as a letter sent via USPS # XXXX, which they signed for on XXXX/XXXX/2016 ( attached, Exhibit A ). 

Seneca sent me a letter dated XXXX/XXXX/2016 ( attached, Exhibit B ) requesting a refund for any " unearned premium '' amount from the old carrier and in it made the following claim : " The replacement policy has been accepted and the premium amount, requested by the new carrier, has been disbursed from the escrow account. '' On XXXX/XXXX/2016 Seneca signed for my QWR ( attached, Exhibit C ) sent via USPS # XXXX which requested that Seneca provide written proof that the new carrier did in fact request a premium amount and also provide the amount of their claimed disbursement from my escrow account. The QWR also included a check for {$190.00} ( the amount I received from the old carrier ) which they deposited on XXXX/XXXX/2016 ( attached, Exhibit D ). 

12 U.S. Code 2605 ( e ) ( 1 ) ( A ) requires the Servicer to " acknowledging receipt of the correspondence within 5 [ business ] days. '' 12 U.S. Code 2605 ( e ) ( 2 ) requires the Servicer to " investigate, '' " correct '' if necessary, and provide a " written explanation or clarification '' to the Borrower " not later than 30 [ business ] days. '' As of today -- well over 30 business days -- Seneca has not responded to my QWR.
I refinanced under the Home Affor. Act several years ago w/Seterus. My payment later went from XXXX to XXXX ( temporarily to catch my escrow up ). That was several years ago. Now, they 're raising it again to XXXX, even though I have a fixed rate.
I understand that there is a class action lawsuit against Navient, formerly known as XXXX XXXX. I do not understand what I should do at this point. Is there anything that I need to be doing due to this?
I had signed up for transunion credit monitoring. I tried to cancel several times in the last six months, I am not able to cancel this service, no one answers the phone it is a constant busy signal, I tried emailing them and could not, there is no way to cancel this service. I went to my bank to stop the payments and they said it has to be handeled with transunion. I can not even access the transunion account.
On XX/XX/XXXX I lost my debit card in XXXX, next day a supervisor from XXXX  call me saying that the found the card. 

Next day I found out tree charges to my account on that I didnt authorize. I called the bank and star a dispute process a week after this they said I authorized the transactions and that they will charge me for them. 

They also stated that if I have a problem I should contact the merchant myself The charges are : XXXX XXXX XXXX {$40.00} XXXX XXXX {$130.00} XXXX XXXX {$57.00}
Past Story : We get a discount on our property taxes. Each year we go in for review. XX/XX/XXXX review showed we had to pay more, there was an adjustment for XX/XX/XXXX & XX/XX/XXXX. XXXX/XXXX # XXXX were sen adjustment bills. They were late in paying, interest & penalties were added, but they did make some payments. There was a balance due by XX/XX/XXXX or more interest & penalties would be added, as of XX/XX/XXXX that balance has not been paid. Our prop tax account reads in big red letters : DELINQUENT STATUS. I have contacted them by phone & email several times. They told me my taxes would be paid when due, I told them they are past due, they would not give me a date when they would be paid. For me not to worry I would not be responsible for any of those interest & penalties. So far the payments made include interest & penalties taken out of my escrow account. XXXX XXXX at XXXX Co Assessors Office has called them and sent paperwork trying to get payment. There are 2 attachments. I have not checked out credit report, this better not be on there as delinquent. 
I also want to add that they are late, many times, paying our homeowners insurance which is thru Foremost.
I have been receiving collection notices from Linebarger Goggan Blair & Sampson , LLP for more than a year now, for a parking violation that does not belong to me. I have sent them certified mail, including my vehicle registration showing that the plate in question had been registered to MY jeep, not the XXXX that was ticketed. Not only have I never owned a XXXX, the Jeep in question had been un-driven for at least XXXX months prior to the ticket being written.
Ocwen Loan Servicing violated the XXXX XXXX XXXX laws of privacy, contacted my insurance company without my permission, paid off my homeowners insurance which was already paid n full and WAS NOT a requirement of my escrow ( real estate taxes only ) this created a double payment of my insurance, and created a deficit in my escrow. When my insurance company sent me a rebate, I contacted Ocwen, they told me to sign my insurance rebate back to them, they then illegally took this check and applied it to my principle, once again without my permission. They have so XXXX up this account in the 90 days that I have had my account with them, that I no longer have confidence in Ocwen 's competence in handling my money. I have also done research and found that this is a common illegal practice that Ocwen is doing to customers in an attempt to undernmine the consumer. This is a direct violation of the UDAAP laws designed to protect consumers. I demand that Ocwen stop acting illegally and without my consent to conduct my business. I have contacted an attorney and am ready to file a lawsuit for these outrageous and nefarious mishandling of my finances. I demand the account be returned to the original payment of {$1600.00} ( principle, interest & RE taxes ONLY ) I also demand that they pay a fine as outlined under LB and UDAAP directly to my principle, and pay me for 4 hours of my time ( $ XXXX ) IF THIS CAN NOT BE REMEDIED IMMEDIATELY I WILL SUE. I DO NOT HAVE THE TIME TO DEAL WITH THE UTTER INCOMPETENCE OF OCWEN.