WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I went on to the XXXX and ordered all three credit reports from XXXX, XXXX XXXX, and Experian.
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I only received one from XXXX XXXX, which was dated as XX/XX/XXXX and file number XXXX XXXX, which contains all the same information with different collectors name on it.
This is further committing FRAUD on the part of those on the report, since all the prior loans were defaulted and non-response on validation. I wish to be compensated for the damage this XXXX XXXX slandering my reputation with non-existing accounts they created. XXXX XXXX is supposed to verify the validity of the account before they put on the credit report. I wish to be compensated by XXXX XXXX for each alleged creditor {$1000.00} which is 39 times XXXX equal to XXXX by XX/XX/XXXX, and XXXX XXXX is agreeing to pay me {$500000.00} byXX/XX/XXXX, if I do not receive the XXXX by the end of XX/XX/XXXX.
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Because of their Fraudulent report, me, my son, and my daughter had to suffer paying higher interest, and denied employment, denied credit card, and denied to a loan.
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For the XXXX, who used somebody else 's name on my request and denied report this year, I wish to receive the perfect, clean credit report from XXXX beforeXX/XX/XXXX. After this date, if the XXXX does not send me the clean, perfect credit report, XXXX is agreeing to pay me {$50000.00} dollar by the end of the XX/XX/XXXX
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For the Experian, who reported all the defaulted on validation for alleged loans, I wish to receive perfect, clean credit report byXX/XX/XXXX, if not, Experian is agreeing to pay me {$50000.00} dollar by the end of XX/XX/XXXX.
Rent recovery services on behalf of XXXX XXXX XXXX Texas. I was ill and had to return to XXXX to hospital in XXXX XXXX - still attending XXXX XXXX! There was about 6 weeks left on my lease which ended XXXX XXXX. I was given no option for return of full XXXX bed flat of furniture incl XXXX inch TV, art work etc. I owe approx XXXX in rent although XXXX advised me that they had changed locks on door, and no access to get belongings, when I let them know I was in hospital in XXXX ie before end of lease. 

This debt has been reported by rent recovery services, a collections agency on behalf of XXXX for the amount of {$4200.00} to the credit agencies, more than 100 % interest in 8 months!!!!!!! They are ensuring that this bill will rise exorbitantly month by month so can not be repaid. 

Also the value of my goods were more than {$2000.00} ( the bill ) and I was never given any option to recoup them.
Capital one. Has not fixed the issue .. 2 cards open in my name without my knowledge by someone I know. I went to purchased house saw the cards on my credit report. I paid them down. Now the cards are maxed out. Over {$4500.00} on the cards. I dont even have the cards in my possession. I dont shop at XXXX XXXX, XXXX, XXXX
In XXXX, I obtained a copy of my credit report from the XXXX Credit Bureaus, I reviewed my account for accuracy and noticed an account from Santander that I did not recognize. I sent a certified letter on XXXX XXXX, 2016 for which they signed for on XXXX XXXX, 2016. In the letter I requested proof bearing my signature. I have been traveling for the last month so I am not sure if Santander has responded to my request, however based on the FCRA once a consumer requests records it is the responsibility of of the Creditor to send notice to the credit bureaus that consumer is disputing the debt within 30 days. I have obtained copies of my credit reports and Santander has not updated my credit reports and have violated the FCRA and violated my rights. I do not owe this debt nor do I know what it is. Since they have not updated my report, legally they must remove this alleged debt from all XXXX credit reports. I do have evidence of this and have attached my reports. I will also be filing a small claims suite based on their response to my complaint. 

Please see attached for reports.
I took out a personal loan in my name alone. Tower Loan called to verify the information while I was at work. Instead of simply leaving a message for me the representative divulged the amount and terms of the loan to my husband who I did n't give consent to.
i opened a 1 year CD with Eloan XXXX 2016 in the amount of {$200000.00} usd. i started receiving unknown deposits to my checking account from Banco Popluar-after researching, discovered Eloan /Banco popular same company. 

1. They hid the automatic deposit Externally transferring interest monthly to my personal checking, in " my profile '' section at very bottom -- that no one told me about. I had to make an expensive call to eloan from overseas ( which is so annoying that they have no other option like live chat or emails to handle customer service actions ) 2.Eloan would not do anything to rectify their actions. i finally could access my online account ( eloan had locked me out of & only option was to call in -another example of eloans horrible customer service ) I went into my now unlocked account & successfully changed it to " add to principal '' on XXXX XXXX 2016. I know it was successful because i did 2 steps to confirm & site said change was now confirmed in red type. 
3. On XXXX/XXXX/16 another deposit came into my personal account. ELoan undid the 2 steps i did online to confirm the change to the interest deposit to be " Add to Principal ''. 
4. I am disgusted with Eloans fraudulent business practices. I demand they add ALL my interest to my principal from XXXX 2016. To pay me the full compounded interest -- that they are trying to short change me. I never, willingly or knowingly authorized the external transfer of interest of my money.
I had applied for mortgage on XXXX/XXXX/16 with Sebonic/Cardinal Financial. They charged my credit card on XXXX/XXXX/16 for {$480.00} as appraisal fee. About one hour after the charge ( same day ), I called and informed them that I am withdrawing my application for mortgage with them so there is no need for appraisal. I also requested that the money charged be credited back to my card, both over the phone and in writing, as an email. They did not credit the money back and today I received property appraisal that was done on XXXX/XXXX/16 despite my withdrawal of the mortgage application at the earliest stage of application. 
following is the company/loan originator information. 
XXXX XXXX | Loan Originator Originator XXXX XXXX Cardinal Financial | Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX : XXXX | f : XXXX
diversified consultants a collection company, placed a XXXX XXXX XXXX collection in the amount of {$3700.00} to all 3 credit bureaus that does not belong to me. this collection was removed previously by all 3 credit bureaus when diversified consultants did not have proof that this collection was mine. 

on XXXX, XXXX 2018 they placed the same collection back on all 3 credit bureaus, damaging my credit. this illegal collection needs to be removed immiedatly from all my credit bureaus.
I attempted to purchase a flight using XXXX credit card points system but it was trying to charge me the full value of the points AND cash for the flight, so I booked the flight through Chase 's my ultimate rewards system with the points associated with the card. For some reason, my united credit card and miles plus number did not register with the ticket and as a result my bag was assessed a {$25.00} fee. I called to raise the issue with XXXX who referred me back to Chase who referred me back to a gentleman at XXXX that told me he would refund the charge to my account. The call was disconnected while he was finalizing the refund. I called back chase and XXXX, but neither would reconnect me with the gentleman who was resolving my issue or honor the refund that the gentleman I spoke to assured me I was entitled to and which he was going to process. Instead, they passed me around to numerous departments that had no idea how to process the refund and said I needed to speak to someone else. The final person I spoke to refused to do a refund. XXXX and chase conspired to prevent me from receiving a benefit they said I was entitled to by making it impossible to connect to the person that was handling it already and playing a game of pass the potatoe so that I would go away due to being annoyed and frustrated and they would keep the bag fee I should not have been assessed in the first instance. I had to book with my rewards because that is what the XXXX customer center said was the only way to do it thru points since the booking was 20 days out when made.
I have paid my account to XXXX for the amount of {$180.00} and I called them several times to make sure they already report it to equifax credit bureau and they say yes but my credit report it 's still shows not paid.
I have been a credit card customer with wells fargo since XXXX of XXXX. Over that period of time I have accumulated XXXX wells fargo rewards, ( which is worth {$700.00} ) from spending on the card. I have never missed any payments on the account, and the account was in good standing. On XXXX XXXX. I got a letter from wells fargo stating that they closed my account due to 6 months of inactivity. I called wells fargo, and the representative confirmed that, that is the reason for the account closure, my XXXX rewards are forfeited, as the account is closed, and I can not get them back. I then spoke to a supervisor, trying to understand how a bank can close my card for only 6 months of inactivity. At least be notified by the bank that they will close the account, if I do n't continue to use it, and was not given any help on the matter. On XX/XX/XXXXI filed a complaint with XXXX from the executive office to either have my account reopened, or at least be payed for the worth of my points, which is {$700.00}. About a week later, she called me back stating that they can not reopen the card, and will not pay me for the value of the points.
Merchant ID XXXX # XXXX took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants thousands of dollars for the credit card machine which has been sent back to the company within the first 30 days.
Our mortgage was sold by XXXX back in XX/XX/XXXX to Mr. Cooper. At the time we were told no changes would be made just our servicing mortgage company. Unfortunately, this was not the case.XX/XX/XXXX upon logging in to make a payment, I saw a notification of a shortage. My husbands property tax exemption was not transferred over and the shortage that was calculated was incorrect. I was told by the rep to call back 14 days later and it will be corrected. On XX/XX/XXXX I called and it was still not corrected I sent over the information via e-mail and was told it would take some time for them to complete another analysis, but it would be updated. The only thing we are paying via escrow is hazard insurance. On XX/XX/XXXX, I logged in to make a payment to see two conflicting statements. One that said my amount due was {$700.00}. And one below that said my escrow account was short by $ 39 monthly. I called Mr. Cooper and spoke to a XXXX who saw the conflicting information, and transferred me to an escrow rep, XXXX who placed me on a long hold once I explained the math and how the payment amount did not add up. I requested to have the escrow removed, and she said due to the loan not being at 80 % ( short of {$6000.00} ) she would be unable to Remove the escrow. She became very confrontational when explaining the number and I let her know that I was very frustrated because I did not request this transfer or have the ability to review any new terms that were set forth by Mr. Cooper.
ocwen refuse to give us a modification. they foreclosure. sale date XXXX/XXXX/2015. 
we were approve for a short sale on XXXX/XXXX/2015. and Ocwen file foreclosure sale date of XXXX/XXXX/2015. they refuse to cancel the sale date and refuse to work with us on our modification/ we do not want to lose our home because we have no where to go. 
we need your help to stop the sale.
Hi, I have cancelled an online money transfer using my debit card & after the 10 business days refund time frame according to their terms & conditions they did n't refund my money!
A XXXX XXXX card has been a part of my Chapter XXXX  bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting my credit.
I applied for an installment loan through XXXX XXXX ( XXXX ) close to a year ago and faultered on making regular payments due to medical and family emergencies. XXXX gratiously worked with me but the emergencies persisted and they sent my account for collections to ZFN & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, ( XXXX ) XXXX. While the representative assigned to my account was very accommodating and understanding her knowledge of recommended avenues to pay were lacking GREATLY! I was sent on a goose chase to find a magical debit card sold at XXXX where I could load more than {$500.00} at a time. My payment was to exceed that amount and to be taken out the next business day. She could not get her mind wrapped around the fact that I could have gotten ANY reloadable card where I could load {$500.00}, then the rest at same register back-to-back. I thought well maybe they ca n't take more than {$500.00} off at a time or something weird, along those lines. Hence, my having to take time off of work, getting chewed out by my boss, burning up the LAST of my gas for the month ( I only get paid once/month ) all to try and find this mythical card that no one at my XXXX has ever heard of ... REALLY??? THEN to top it all off, once I finally informed the lady of my woes she was willing to wait until I got paid for me to get the card. SERIOUSLY!!! THEN I got not 1, not XXXX, not 3, but 4 calls, IN ONE HOUR!!!, from another male agent and a manager at this agency to ask why I had not secured my arrangement with a debit card. Mind you, they had my screen up right before them as they were talking to me having full knowledge of the arrangement I had made with the other agent, AND I HAVE a debit card in my possession, an XXXX Serve Card ; but they do n't take that one! I do not deny the debt I owe with CC but there is NO WAY ZFN & Associates should be this ignorant of how to handle business and people.
AD ASTRA RECOVERY SERVICES contacted me and said I had a loan with XXXX XXXX. I told them I did n't and to send me verifiable proof that I had a account I knew they would n't be able to because this was Identity Theft. They said they could n't provide any information on the account. I spoke with fraud dept, called repeatedly, sent affidavant and proof of theft by authorities. After all that trouble they reported collection accounts to all three bureaus. They refuse to delete the untrue information I have disputed with bureaus but they still remain on reports. This company deliberately harmed me by reporting untrue information damaging my credit.They need to fix it .Identity Theft is bad enough without ASTRA trying to damage my credit for something I had no control over.
My father went to the ER at XXXX XXXX XXXX XXXX in XXXX TX. The hospital registration erroneously thought I and my father were the same since we have the same basic names- XXXX XXXX XXXX although I have a XXXX name which is XXXX XXXX My father was n't able to pay some of his bills since he does n't have insurance. Unfortunately the hospital used my SS # and assigned it to my father 's account. This was sent over to the collection agency PROCOLLECT. Since it 's my SS # my credit report and score are now adversely affected. I contacted ProCollect and even sent documents so they can change the SS # to my father 's but they refused to help me. The account manager, XXXX, even accused me of taking over my father 's debt, saying I am now responsible for it. I did not sign any paper to assume my father 's debt, and XXXX could n't produce XXXX. I have contacted the hospital too, they sent me a letter apologizing for their mistake. Their business office, according to them, has contacted ProCollect so they can correct the error and XXXX the hospital assured me that ProCollect promised to fix the error which has not happened. 
I am writing to please beg and implore to help me with this situation. I can still open new credits but with less favorable terms. I want to shop for auto and home insurance but I get less favorable quotes because my credit score plunged from XXXX to XXXX. All I 'm asking is for ProCollect to change the SS # on file on my father 's record from mine to his since the debt in question is not mine. Until this day they refuse to do so and I am being punished for something I did not do nor obligated to settle. I will attach documents as soon as I know how to do so. Thank you very much
I am trying to lift a security freeze that was placed with Experian. When I placed the freeze I was told that a PIN would be mailed to me. That never arrived. Now I want to lift the freeze, because I need to apply for an apartment lease. 
I have made many time-consuming phone calls to Experian trying to resolve this, and have repeatedly been given repetitive, illogical and unhelpful advice. 
First I was told I could retrieve my PIN by entering my personal info into their website ( www.experian.com/freeze ). When I received messages saying that the information I entered was incorrect, I was told to wait 24 hours and try again. I did this repeatedly, very carefully verifying that the information I entered exactly matches what they have on file for me. 
So I asked that they send by post another copy of the PIN, and was assured one would be sent. After waiting a couple weeks I called back, and was told there was no record of my ever requesting my PIN or that one would be sent. I requested the PIN again, and this time I did receive it by mail. 
I tried to use this PIN, both via web and by phone, and again received the message that my freeze could not be lifted based on the supplied information. Nobody I have spoken to has been able to explain why this is the case or offer any hope for resolution. Everything I am being told now by Experian is apparently intended to make my try the same things over and over until I give up and leave the security freeze in place forever. Meanwhile I am hampered in my ability to apply for credit, and more importantly to apply for housing for my family ( as we are moving to a new city ).
I had a lot of fraud on my account. They printed out paper work for me to look over. I told them by looking at account what wasn't my charges but I wanted to be sure so I didn't lie not meaning to about any charge. My car broke down and I wasn't able to bring them paperwork. Reguardless I told them what i knew was fraud and where it started. Them knowing this and I should have been reembursted at that matter. I am no longer able to have a checking account. It showes I owe money I should not owe but should have been paid back. This issue has yet to get resolved maybe you can help. I don't want the negative reports on my credit for they are false and I would like my money back if all possible. With my luck I doubt in a million years.
XXXX XXXX XXXX WAS PAID AND SETTLED ACCOUNT IN XXXX, XXXX ACCOUNT XXXX, SOLD DEBT TO AARGON IN XXXX WHERE THEY WENT ONTO CREDIT REPORTS W/O VALIDATING INVALID DEBT. FCRA, FDCPA AND TCPA VIOLATORS.
SETERUS GROUP IS GUILTY OF LOAN FRAUD, LOAN SERVICE FRAUD, LOAN MODIFICATION FRAUD AND ILLEGALLY CLAIMING TO BE THE FEDERAL GOVERNMENT. THEY ARE ACTIVELY ENGAGED IN DECEPTION AND THEY ACTIVELY WITHOLD INFORMATION FROM CUSTOMERS. 

WE HAVE HAD A MORTGAGE NIGHTMARE DEALING WITH THIS XXXX MORTGAGE FRAUD THAT THEY ASSUMED. 

CUSTOMER SERVICE HAS BEEN XXXX. EVERY EMPLOYEE FROM THE SUPERVISOR DOWN LIES TO THE CLIENTS ABOUT WHO OWNS THE MORTGAGE. 

THIS " : WE ARE FANNIE MAE '' SCRIPT IS COMMON IN THE MORTGAGE INDUSTRY. 

THEY ARE ALSO ENGAGED IN LOAN MODIFICATION FRAUD, PRETENDING TO HELP WHILE INTENTIONALLY BEING UNRESPONSIVE.
I have XXXX hard inquiries on my Transunion credit report that I did not authorize. First from XXXX on XX/XX/XXXX. The second from XXXX on XX/XX/XXXX. Third from XXXX on XX/XX/XXXX. The fourth is also from XXXX on the date of XX/XX/XXXX. I did not authorize these inquiries and do not know what they would be for. I have sent letters to these companies to get them removed but have gotten no response.
My card was closed because I filed an excessive number of disputes. What would be considered an excessive was never disclosed anywhere. They also said I did n't submit information with disputes, where most of the time I did, but the times I did n't were because I wasnt able to. 

There were also errors made in how they dealt with me asking for information in reguard to a transaction from a merchant. They considered that a dispute and ultimately used that to close my account. And they will not let me reach out to anybody else. 

Please note I have also recorded the call where they admitted all of this.
On Friday, XX/XX/2018 I was contacted by an individual claiming to be from Bank of America. She said here name was XXXX and the number she called from is XXXX. She said she was calling in regards to my home equity line of credit. I do not have any accounts with Bank of America nor have I applied for a home equity line of credit from Bank of America. She asked for personal information to confirm my identity. I did not give her any and hung up. I contacted Bank of America to inquire about any activity under my name and they said they did not have any.
XXXX County Clerk is not the judgment debtor, it is state of new jersey Liability amount missing. the docket or reference number is incomplete. 
Asked several times for all accurate information. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
I contacted United Cash Loans by telephone to a XXXX XXXX @ XXXX XXXX XXXX to obtain an installment loan for {$5000.00}. 
In order to obtain this loan I was instructed to purchase XXXX XXXX red label forms and telephone the numbers to XXXX XXXX. I purchased {$950.00} of these XXXX Transfer tickets which cost me {$1000.00} and gave the numbers over the telephone to XXXX XXXX. ( these numbers are available from me upon request ). Then XXXX XXXX requested more money claiming that I must pay income tax on this loan. 
As this did not sound legitimate to me, I contacted the XXXX XXXX XXXX to file a complaint. The XXXX contacted this loan company twice with no response from the loan company. Names and file numbers for this complaint are available upon request.
Due to medical bills I have missed payments in XX/XX/XXXX. 
I fully intend on catching up my payments. 
I understand receiving calls about a late payment, but the following numbers call several times a day - and even on Sunday If I am correct, this is against the law. 
If this is against the law, then I want to report the following numbers. 
Several calls from all XXXX of these numbers. 
XXXX XXXX XXXX XXXX Thank you!