WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XX/XX/XXXX after my mother 's XXXX on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXX and continued to the present XXXX security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, Transunion, XXXX and XXXX. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, XXXX XXXX XXXX
XXXX XXXX XX/XX/18 Loan # XXXX XXXX XXXX XXXX XXXX Ca XXXX I would like to file a complaint on my mortgage Servicer FayServicing after being over two months delinquent on my mortgage loan I contacted my mortgage company Fay Servicing and spoke to my account manager XXXX XXXX, i explained my hardship situation to her, she told me the fact that I already had two modifications in 15 years I will not be eligible for any loss mitigation options, she stated the Deed-in-Lieu of foreclosure is more likely my only option, I refuse that option and ask her for a Loss Mitigation Application, after completing and return the mitigation application, I make it my duty to call my mortgage service Fay Servicing every few days speaking to different representatives asking for updates on the decision letter of my Application, as in when was it mailed, how long does it take, knowing time is of the essence, I finally receive the decision letter on XX/XX/18 I decided to appeal the Deed-in-Lieu offer, I imedeatley contacted Fay Servicing explaining the decision letter dated XX/XX/2018 and I just received it XX/XX/18 the representative advised me to still go ahead and email my appeal to my account manager XXXX XXXX at XXXX she also provide me with the appeal department email XXXX I emediatley send my appeal to both XXXX XXXX & appeals department, I also include in my appeal the date I received the letter, I called my account manager on that following Monday for an update on my appeal, she told me the fact that I received the letter after the fourteen days window my appeal will not be considered, I was upset telling her thats not fair treatment, if they didnt send the letter in a timely manner I shouldnt be denied to an appeal, I ask to speak to her supervisor XXXX who didnt provide me with a last name explaining the situation and asking her to investigate all my recorded calls regarding the decision letter, she was not helpful at all she told me its no need to appeal because the decision will be the same, I told her I dont care just dont take away my opinion to appeal, at the end of our conversation she told me she will investigate and let me know what she can do, Im not comfortable after our conversation, I dont believe its in her interest to investigate the situation for me to appeal. 
My mortgage server is FayServicing Contact # XXXX My account manager is  XXXX XXXX her contact # XXXX
We gave a purchase money mortgage to XXXX XXXX in XXXX, XXXX for a 15 year fixed rate mortgage with escrow for payment of taxes. The loan was assigned, most recently in or around XXXX, XXXX from XXXX XXXX XXXX XXXX to Select Portfolio Servicing. 
In that same month, the property was offered for an upset tax sale because, without our knowledge, local real estate taxes for XXXX, XXXX and XXXX had not been paid, even though we had made tax escrow payments including through at least XXXX and probably XXXX, XXXX. We are in the process of preventing judicial sale of the property at an expense to us of {$2000.00} for suspected misapplication and or non-payment of taxes by the predecessor of Select Portfolio Servicing , Inc .
Got a call about a debt 14 years old from an old overdrafted account that was from US bank and US bank has no record of it. This has been going on for a week or so now it is now XX/XX/XXXX, their first call threatened to call my HR at work. He tried saying that because the bank is FDIC insured that that circumvents the 7 year statute of limitations. Again US Bank has no record of any of this at all.
After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report.

I have never lived or been associated with these addresses below : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : XXXX and XXXX Account Type : Credit card
I submitted numerous disputes with Experian, XXXX, and XXXX with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance 0 ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, Experian, XXXX, XXXX, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
My previous complaint has apparently had no teeth, now the servicer SLS is scheduling BPOs and then cancelling them for frivolous reasons. My agent contacted XXXX XXXX, who confirmed that there was no BPO ordered.
I had an account with bank of america for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to check systems and early warning and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud
The ACH amount owed XXXX XXXX was wrongly paid to XXXX Bank of America and instead of being sent back to consumer it was transferred to XXXX XXXX after the cut-off date incurring a late fee and fines. I received several credits, but the debt kept appearing and the folks at Bank of America failed to respond to my phone complaints, Emails, and written communications to change the matter permanently. This debt is no longer owed to the debt buyer, XXXX XXXX, and the other debt buyer, XXXX Bank of America, formerly Bank of America 's XXXX accounts, since I am retired and on social security benefits under law. These debt buyers have no documents or signed agreement by me either and that is why they want me to provide them with the information. I refuse to do so because they have no right to it. This is a matter of increasing their revenues and increasing my liabilities with a negative report on the XXXX big consumer reporting agencies.
There are nu merous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in two letters, one fax, and  called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is : The  XXXX   XXXX   XXXX   My Name is  XXXX   XXXX   XXXX  my name was legally changed due to marriage on  XXXX / XXXX /  XXXX  .
I contacted PNC Bank NA for a line of credit and they approved me for it. I already have XXXX other lines of credit with the same bank, which I intended to keep for liquidity, but also XXXX of them has a far better rate than the new line of credit. PNC closed the prior lines of credit without any written or verbal disclosure- replacing them with a single one that has a higher APR. I was given no warning of the lines of credit closure and it did not authorize their cancelation.
I had checked with XXXX on XXXX XXXX as I prefer to stay on top of my reports and then again on XXXX XXXX to find that I had over XXXX inquiries. My signature is not on any of these authorizations except XXXX I did not give my permission. I had called and spoke with numerous representatives who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires. It also tell me that no one was affected by the glitch which was on all new channels even with proof in hand and they flat out absolutely refuse to connect with supervisor or anyone in the American offices to handle this matter per your request after XXXX + calls I gave up None of the reps were remotely helpful or even knowledgeable some knew and some would more or less say it sucks to be you and too bad
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Az XXXX, phone : ( XXXX ) XXXX called me Today demanding {$4600.00} in Hospital ER medical services provided on about XX/XX/XXXX - XXXX   2017. 

My insurance XXXX XXXX XXXX medical insurance informed me that the medical expense was PAID and there is no any outstanding DEBT.
Attempted to clarify the debt and the amount with XXXX XXXX and was not successful. The bill was with XXXX XXXX in the year of XX/XX/XXXX. XXXX XXXX is charging me an outstanding bill in which I do not owe. And have reported this erroneous amount of debt to all major credit bureaus in the amount of {$550.00} as well stating I open this account in XX/XX/XXXX, which is not true.
Transunion said they investigated a judgement against me and that it showed a XXXX balance, but it is still showing an amount no discharged accounts can show an amount .The original basis for the judgement from XXXX XXXX shows a XXXX balance as it should but transunion is showing a dollar amount under civil judgement and is not showing it discharged in bankruptcy, so it is incorrect.
DISCOVERS VENDOR ; XXXX MISREPRESENTED THEIR PRODUCT AVAILABLE FOR SALE. I PAID THE XXXX BY DISCOVER CARD UP FRONT FOR THE MERCHANDISE. TWO WEEKS WENT BY SO I CALLED THEM TO ASK WHEN THEY WERE DELIVERING TO ME. THEY STATED THEY WERE WAITING FOR ME TO CALL, THEY DID NOT HAVE THE PRODUCT I NEEDED. THEY SAID THEY WOULD SUBSTITUTE ANOTHER TYPE OF MATTRESS. THAT WAS NOT ACCEPTABLE. AND, WHY DID N'T THEY CALL ME WITH THIS ISSUE. TO ME THIS IS A BAIT & SWITCH SITUATION. I WAS DISTURBED BY THEIR DECEPTIVE BUSINESS PRACTICE SO I TOLD THEM TO CANCEL THE ORDER. THEY TOLD ME THEY WOULD NOT CREDIT MY DISCOVER CARD, THEY WOULD ONLY GIVE ME A STORE CREDIT. THEY LIED TO DISCOVER AND TOLD THEM EVERYTHING I ORDERED WAS SPECIAL ORDER, WHEN IN FACT THEIR SALES GIRL TOLD ME EVERYTHING WAS IN STOCK. THEY ARE A CLEARANCE CENTER. MY HUSBAND HAS A XXXX PROBLEM AND HAS BEEN OPERATED ON ( XXXX ) TIMES. WE HAD TO GO TO ANOTHER COMPANY TO PURCHASE A BED TO CONFORM TO HIS NEEDS. DISCOVER ORIGINALLY CREDITED OUR ACCOUNT {$1200.00}. THEY THEN REVERSED THE CREDIT AND SAID THEY HAD NEW INFORMATION AND SIDED WITH THE VENDOR, ( WHAT NEW INFORMATION AND FROM WHOM? ). DISCOVER FOR A XXXX TIME CREDITED OUR ACCOUNT, ADVISED US NOT TO CHARGE ANY MORE ON THAT CARD, DISCOVERS RECORDED LINES STATED THEY SAID THEY WERE CANCELLING THE CARDS SO THE XXXX COULD NOT PUT CHARGES BACK ON OUR ACCOUNT. THEY SENT NEW CARDS AND FRAUDULENTLY STATED THIS WAS TO REPLACE LOST OR STOLEN CREDIT CARDS. THEY AGAIN REVERSED THE CREDIT OF {$1200.00} AND CHARGE IT TO THE NEW CARD. THE NEW CARDS THEY SENT HAVE NEVER BEEN ACTIVATED BY US. WE THEN PUT A COMPLAINT IN WITH THE ATTORNEY GENERALS OFFICE ON XXXX/XXXX/2015. I HAD NOT HEARD ANYTHING ABOUT THE COMPLAINT SO I CALLED THE AG OFFICE ON XXXX/XXXX/2015 IN RHODE ISLAND. I SPOKE WITH XXXX WHO INSTRUCTED ME TO THIS SITE TO PUT IN MY COMPLAINT. THIS PROCESS HAS BEEN GOING ON FOR MANY MONTHS. TO THIS DATE WE HAVE NO MERCHANDISE AND NO CREDIT FROM DISCOVER CARD.
I had a checking account with Wells Fargo in their XXXX XXXX XXXX XXXX. The account was in good standing with no fees or dues over the last XXXX + years. Imagine my shock when I logged in to my account online to suddenly find that the account was closed. No reason was stated at all. I called their customer service and spent more than 30 minutes being tossed around between 3 different people, all of whom were clueless and unhelpful. Finally, I was told that the account was apparently closed because of a seeming lack of customer initiated transactions. They were unwilling to put this in writing anywhere. So, I don't think this is the actual reason. I have at least XXXX or more transactions every month including an automatic credit and an automatic payment. If they are not initiated by me ; who else did? Also, this requirement about ; customer initiated transactions ' was totally new to me. I was never told about this when I opened the account or subsequently ever. 

I am completely and utterly dissatisfied with Wells Fargo 's response. Basically, they are now saying that they have the right to close the account at any time for any reason or for no reason even. Well, I don't agree with this fundamentally. But also, this was not something that they told me at the time of opening the account or at any time since. I explicitly asked their representative at the time of opening the account if there were any conditions and this was definitely not mentioned at that time. If this was told to me then, I would not have opened the account with them at all. Also, the bank 's definition of what they call 'customer-initiated ' transactions is completely nonsense. They claim that any automatic transactions, whether debits or credits, initiated by me are not customer-initiated. Under whose definition. If I did not initiate these transactions, who did? Does CFPB agree with this definition? Is it legal? Under what law? Also, because of Well 's Fargo 's actions in closing the account suddenly, my automatic credit went missing and I received that only after 2 weeks delay causing me inconvenience and loss of funds. I want Wells Fargo to compensate me for that. If I had made a late payment to Wells fargo, they would have charged me outrageous rates of penalty and interest and fees. Well, now they need to compensate for delays caused due to their unjustified actions. Also, Wells ' Fargo 's representatives are thoroughly lacking in any norms of customer service or even basic understanding. I have had to spend many hours over email and phone with absolutely no use. I want Wells Fargo to issue a formal apology and compensate me of the hardship caused. I do not treat this issue as closed and want CFB to take stringent action against Wells Fargo
I have an account with navient that I am not aware how I got with this company. I was not made aware that the company of which navient bought my loan from was taking place. It says that I owe {$31000.00} which can not be true and that my highest balance is {$19000.00}. This company has cheated struggling borrowers out of their rights to lower their payments " through shortcuts and deception. '' I have had several student loans obtained when I went to school at XXXX College in XXXX, CT. It says this loan was opened XXXX XXXX, XXXX. I do not know how this is possible when I XXXX in XXXX XXXX, XXXX.
For over a year I have been reaching out to all 3 credit bureaus to remove items on my credit report that were a cause of fraud. I have requested validation and verification in the form of originally signed contracts etc. Each company has failed to help me and instead placed a lock on my credit profile but refuses to investigate the items in question or remove them from my credit report despite providing them with paperwork supporting my claim that my information was stolen and used without my permission. I am formally requesting these items be removed so that i can finally move on with my life.
This company has let a previously deleted account that was included in my identity theft case that was blocked from your file and also some collection account that i never heard from a company that i never did business with. They previously stated in my recent complaint against them that all accounts was removed from my file. This is hurting my file while I 'm in a process of getting a mortgage they are allowing these accounts to pop back up. The recent case number complaint with the CFPB was XXXX where they stated the removed all fraudulent accounts. I 'm tired of dealing with this issue and would like for all these accounts to be blocked immediately along with the XXXX public records XXXX from XXXX and XXXX from XXXX that was filed in error due to identity theft
Three months ago I requested that NationStar mortgage stop deducting the optional insurance from my mortgage. I even provided the necessary cancellation number they requested from the home warranty company, they still continue to deduct the insurance. it is now XX/XX/XXXX, they are still deducting the optional insurance from my mortgage. I have never dealt with a worse mortgage company. I ca n't get them to stop. I have called them. I do n't know what to do. I 'm on Social Security.
Navient had informed me that the my payments were current. A credit report showed that i was in good standing in XXXX loans but not the XXXX other loans. I called the customer service rep and they informed me that i was late on XXXX loans, and that i should consider placing the loans on deferrment.
To whom it may concern, Experian had previously deleted all the items off of my credit report due to identity and some company in violation of the fair credit report act. However, since has reinserted back on my credit report without any notifications.
I sent in a debt validation letter and Central States Recovery sent a letter stating that they do not have any record of the alleged debt ; however, they are still reporting to XXXX and XXXX This needs to be deleted.
Bank of America : Overdraft fee charged in violation of overdraft protection Act HR 1261 -Transaction over the total account balance was attempted.

-Bank Declined transaction -Bank CHARGED OVERDRAFT FEE occurrence XX/XX/2018 law states : ( 2 ) the consumer will not be charged a fee if such transaction is declined.

Representative over the phone stated they charge this customarily and when I mentioned this law to the representative she hung up.
Phoenix Management XXXX ... Debt Collector contacted me about XXXX separate online Music supply stores. XXXX was XXXX XXXX. {$230.00} EA. AND THE XXXX ONE WAS XXXX XXXX # XXXX for {$500.00}. I told the guy on the phone, I would much rather pay the exact places back because I had a Music credit card with them and I did n't want to permanently lose my credit. He said, '' Well, if you start a payment plan with us, It will keep your National credit clean and these XXXX accounts will fall off your credit. Everything 's going as planned. The XXXX XXXX get paid off and drop right off my credit. Then XXXX XXXX # XXXX for {$500.00}, After an additional 6 weeks than normal and 15 fax 's, The balance is XXXX but the {$500.00} credit that has been as hard as building a PYRAMID! IS STILL THERE? i PAID XXXX % TO HAVE IT CLEANED UP AND INSTEAD GOT XXXX % CLEANED UP. THEY CAN EITHER " CLEAN UP '' THE OTHER {$500.00} AND MARK IT UNPAID AND SEND IT BACK TO WHERE THEY GOT IT. ME! sINCE THEIR XXXX % BUYING % PRICE= {$150.00} A ) OR B )
Once I became aware of the accounts with Fox Collection, I sent them a request for validation letter requesting documentation and at this point they have failed to send documentation to support that request. Not only did they fail to send requested information they have violated the FDCPA in which they continue to report an account that has not been validated. They continue to verify this account with the credit bureaus also though they have fail to validate the debt. Both which are violations of the FDCPA. 

I have been in contact with XXXX XXXX at this company to no avail to try to get this issue resolved prior to filing this complaint however he fails to acknowledge the violation and come to a resolution.
I have multiple loans with Navient. When I make monthly payments they consistently mis-allocate my payments among loans so that I overpay on some loans and underpay on others, resulting in them charging me late fees. I then have to have lengthy phone conversations to resolve this. This has happened on multiple occasions.
Chase Bank calls my business line almost every week ( sometimes more, sometimes less -- twice in a day occasionally ) looking for a XXXX XXXX, or Accounts Payable, at XXXX XXXX XXXX XXXX. They simply have the wrong number. I tell them my own name and the company 's name and tell them it does not match who/where they are calling. They have repeatedly said they will remove my number from their list, yet they never fail to call again and ask for XXXX XXXX. I have even told them a quick XXXX search will give them the contact information for the company & person they are looking for ; that I could even give it to them myself. They said they can not do that, say they will remove me, and call back again. Sometimes, they even acknowledge that there is indeed a " do not call '' note in their system, but " thought [ they ] would try anyway. " I have also contacted them via XXXX ( since obviously phone conversations were doing nothing ). They apologized and said the number has now been removed completely. Apparently, that was a lie, as I received another call one week later. This is harassment and is disrupting our place of business.