WillisBack/dataset-financial-user-claim huggingface dataset:
I requested a new debit card on  XXXX / XXXX /17 because mine was stolen on that day so the bank Wells Fargo issued another card with a new number, I received it and activated it but never used it yet then on  XXXX / XXXX /17 I checked my account balance online and noticed   XXXX   check deposits where made on  XX/XX/XXXX  for $  XXXX / $  XXXX / {$500.00} at an ATM somewhere far in west   XXXX   far from where I live and do all my banking at then that same night there was a purchase at a   XXXX   XXXX   XXXX   XXXX   for {$3.00} with {$370.00} cash back for a total of {$380.00} then an ATM withdraw the next morning for {$300.00} I reported this immediately and was informed a few days later the claim was declined the bank said it was impossible for someone to copy my card because of the chip I ask how is this possible when the new card has never been out of my possession and I have not used the new card I ask if they mailed another card to a different address or what pin was used I feel this had to have happened somehow but the bank would not tell me anything I advised I filed a police report and the police need more evidence copy of check deposits camera footage they said I can get copy of the checks but camera footage they will not do unless ordered my the courts, I received the copy of the deposited checks and the signature is not mine. Ca n't the bank see this?
My mortgage states that PMI can be cancelled at my request at 80 % of LTV or the mortgage company has to cancel PMI at 78 %. My mortgage company has declined to cancel PMI despite having reached the 80 % LTV point. They claim an appraisal is required. I have contacted the loan originator ( loan has been sold ) who has confirmed that a second appraisal is not a requirement. My mortgage company has refused despite multiple phone calls and and requests in writing.
I recently disputed with Transunion the XXXX XXXX XXXX XXXX entry that was reflected on my credit report ( see attached credit report ) and their response was that the entry was verified. To that end, I disputed immediately with XXXX XXXX XXXX XXXX. The response from XXXX XXXX XXXX XXXX, that is the reporting agency for this account answered my dispute by indeed stating that they were informing all credit bureaus to delete the account from their records and that they were also closing the account with their agency and ceasing all collection activity. This account entry should be deleted immediately from my Transunion credit report. 

Upon deletion, Transunion needs to provide a full, current, copy of my credit report that reflects the deletion of this entry.
This mortgage was transferred from XXXX  XXXX XXXX to XXXX XXXX XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.
I have been struggling to pay my private loans with Navient for years, so much so that I filed Chapter XXXX in XXXX to eliminate other debt just so I can pay them, because they are the only company that i've had debt with that wouldn't give me options to repay them and I never want to have them garnish my wages, because they are not flexible with payment options at all. I've been making payments with Navient as far back as XXXX, and even when I was unemployed they still required me to make payments. I have been on repayment plans with them for years, though I couldn't afford it. For the first time in years, I couldn't pay them for two months. I called to see if there were possibly any options and they told me there are not and since I accrued new debt ( based on them viewing my credit score ), a vehicle, that they would not give me any repayment options or lower my payments because the debt I accrued was considered high, so they are not going to offer me any options. In other words, even though I needed a vehicle, I should have got a cheaper loan.
I discovered on XX/XX/2016, during a review of my FICO score, I had been placed in collection on XX/XX/2016 for a debt/account I have no knowledge of. Apparently, a debt collector by the name of Midwest Recovery Systems is attempting to collect on a fraudulently obtained payday loan. The loan, in the amount of {$720.00}, must have been obtained from XXXX XXXX XXXX through identity theft. I have never had any dealings with XXXX XXXX XXXX or Midwest Recovery Systems.
I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.
i have navient ... they refuse to work with me and i owe over XXXX currently i am paying XXXX month. my XXXX XXXX XXXX father is paying XXXX month for me, because i am a XXXX and single mom. please help me!!!!
My credit report shows two accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX   Delaware ( Closed ), '' which was opened XX/XX/XXXX. I disputed these accounts with all three major credit reporting agencies but either didn't receive a response or was told to take my dispute elsewhere.
Good Morning, Thank you for your consideration and response. 

I have spoken to my attorney and he has informed me that we are no longer in litigation at this moment. Please revisit our case/complaint for questionable business practices by JP Morgan Chase pertaining to our request for a home loan modification that has been going on for 6 years now. 

Thank you again for looking into our case. 

Kind Regards, XXXX XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] Subject : Your submission, number XXXX We reviewed the complaint you submitted and sent it to the company for a response. 

The company was unable to respond to your complaint because it appears you 're involved in pending or prior litigation about the same issues raised in the complaint. No further action will be taken on your complaint. 

What happens now? 

We entered the information you provided into the XXXX XXXX XXXX, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the XXXX XXXX XXXX to identify questionable business practices that may lead to investigations and prosecutions. 

Can I hire my own lawyer to look into this? 

Yes. While we ca n't give legal advice or represent individuals in legal matters, if you want more help you can contact a private attorney or your local legal aid office for free or low-cost legal resources at XXXX. 

Is that it? 

Your complaint helps us identify trends and problems in the marketplace and understand the challenges people are facing so we can do a better job looking for these problems when we supervise companies, enforce Federal consumer financial laws, and write rules and regulations. 



Thank you, Consumer Financial Protection Bureau XXXX ( XXXX ) XXXX ( XXXX ) AR XXXX
I was a victim of Trans union in XX/XX/XXXX i look on my credit 20 inquiries was removed from my credit report but the same day they reinserted back again and never properly informed in writen in 5 days also in XX/XX/2017 11 account was removed but on XX/XX/2017 was reinserted back in my credit report and they didnt informed me i call trans union and talk to costumer service and informed about the problem but they only told me that nothing and try to talk another think that i didnt ask they dont help full i send then a dispute letter certified on XX/XX/2017 for dispute inacured accounts they are in violation of the Fair credit reporting act section 611 they never send me any letter to let me know about this in attach you see when was removed and when was reinserted also the certified letter
Ocwen modified my mortgage. It took effect in XXXX and they took until XXXX to have it correctly processed the whole time my payments were ontime. They refused to update my credit report to show the XX/XX/XXXX payments and only started reporting ontime for XXXX and XXXX. Recently I checked and they had not reported anything since XXXX and it was not showing for XXXX, XXXX, or XXXX. I called and was told this would be corrected but they only showed the XXXX payment as received and now it looks like no payment was received for XXXX or XXXX and it is hurting my report and score and I am being denied credit because it looks as if payments were not made and now it looks like the XXXX payment is 60 days late.
1.- On XX/XX/XXXX & XX/XX/XXXX received at my address letters from XXXX XXXX XXXX XXXX XXXX . debt collectors for XXXX XXXX XXXX. indicating that judgments ( 2 ) had been entered in Superior Court of New Jersey : Law Division XXXX Special Civil Part ( Docket Numbers XXXX and XXXX.

2.- I am not XXXX XXXX XXXX , but XXXX XXXX XXXX  3.- Their letter indicates they are trying to collect amounts dated the year XX/XX/XXXX. They represent XXXX XXXX  purchaser of these debts from XXXX  and XXXX  ( South Dakota ).

4.- I have never had any dealings with either XXXX or XXXX.

5.- I have never received any notice of any debt from these companies or from any entity until the letters indicated in number 1 above.

6.- Further, during the year in question ( XX/XX/XXXX ) I was not resident of the state of New Jersey .

7.- I have requested from the debt collectors copies of all pertinent documents related to this matter i.e. credit applications, date of purchases, payment history and any and all correspondence to me, legal or otherwise.

8.- Seems that XXXX, XXXX  and XXXX  are trying to collect amounts based on incorrect information, but targeting my address and name even though they have a middle initial that does not correspond with mine.
This letter is to XXXX and the collection company trying to To collect on debt that I do n't owe. 
I suffered because of XXXX detected SIM card that I paid the bill and I changed my phone 3 times and I was never able to use the phone but yet they made me pay for the phone bill and they made me pay for the phone in full. Due to the lack of knowledge of the XXXX tech support my phone was diagnosed with having a problem the phone itself, not the SIM card. Also without my knowledge, my contract Was extended from a 1 year to 2-year contract without My knowledge and it was not close to me over the phone or in writing by XXXX representative. 
My phone bill was not sent to me in without my authorization it was switched over to paper list that causes me not to receive my paper bill and I did not know I had a bill due. Due to the SIM car defect, the phone was turning off if I was not plug in. My life was put in danger of not having access to a phone while on the road and I still pay the bill to XXXX without being able to use the phone. I spent over 20 hours with XXXX representative To resolve the issue but unfortunately, they were not able to help me being fully aware that all the mistakes were made by XXXX. 
Each representative told me a different story than the other representative and I got so tired of it that I paid {$370.00} for the phone and I was told by the representative that I owe no more and I am free to go. After I signed up with XXXX again I received a bill in the mail from XXXX claiming that I owe them money so I went ahead and filed a complaint against them with the Better Business Bureau which did n't resolve in anything. XXXX has put my life in danger they have collected from me over {$1000.00} and the fault was also their own and now they want money again. 
The choice is clear please close this account with a XXXX balance and send me a letter in the mail within the next 5 business days. If any page is reported to XXXX XXXX or XXXX by the collection agency or XXXX since this account is not valid I will not hesitate to file a lawsuit in include all the fees the hours of work and the hours I have spent with XXXX on the phone. 
I have all my bills including the one-year contract in the receipts for the phone.
Back in XXXX I consolidated my student loans with XXXX. Come XXXX 2015 all the papers were in order and seemed to have been done, but then everything went wrong. The other loan services Fedloan rejected payment to XXXX. How can they reject Payment??? Now it 's all in limbo and Fedloan will not help me resolves this situation. I have come to realize that Fedloan is like loan sharks. I talked to some one with department of education and contacted XXXX. XXXX told me that Fedloan informed them that they no longer services the loan it was with department of education collections. Keep in mind it would n't have been with collections when I consolidated the loans. But is now the lady from the department of education that I spoke with told me that Fedloan did n't have a choice but to consolidate the loans because the consolidation was complete. But yet this still has n't been resolved and XXXX told me that I needed to fill in on the a form for the new service agent of the loan. Yet the only information I have is for Fedloan. And they will not give me any kind of information other than telling me I need to pay them. Mean time my credit is being screwed and I refuse to pay Fedloan a dime! Especially because this should have all been taken care of in XXXX of 2015 and I should just be paying to XXXX. Fedloan locked me out of my account I ca n't view it online, ever since I sent an email complaining about he situation back in XXXX. What am I suppose to do? Why is this legal for Fedloan to XXXX me over? Do I need to find a lawyer and sue? I did find a lawyer for student loans. But I feel that ridiculous due to the fact that I should be paying XXXX and it should all be consolidated with XXXX. The people that I have spoke with at XXXX have been very nice when speaking with them. But at the same time not much help in resolving this matter. Fedloan on the other hand is rude and shady and absolutely no help at all!!!!! I do not want to do business with Fedloan at all that is why I chose XXXX to be the service provider of the loan. But apparently that was n't a choice. Because Fedloan is keeping it held up!! Like ransom money. I still receive bills fro Fedloan so I do n't see how they can say they no longer service the loan to XXXX. What do I do!?!?!?!
A person from WD Global group, name XXXX XXXX called from a XXXX me saying that they are going to present charges with the state attorney on that very same moment if I didn't pay them the amount they were requesting from an outstanding deb from XX/XX/XXXX, The guy was so aggressive and sounded so serious and professional that I give him my bank account information. Next thing I know the bank calls me saying that someone initiated several wire transfers from my account and it looked like it was fraudulent activity.. 
I refused to give him more information and contacted a lawyer, the lawyer advised XXXX XXXX to do not contact me again and to send all information regarding the deb to his office but they refused to do so. 
Then XXXX XXXX contacted my son who is an XXXX Military saying that he will be contacting his commander in chief if we didn't pay {$2500.00} that same day. We contacted the lawyer again and XXXX XXXX was advised again to address the situation formally through the lawyer but instead they started calling me using the state attorney '' s telephone number. They even left a voice message pretending to be from XXXX XXXX XXXX, State Attorney 's office saying that I needed to pay {$6000.00} dollars that same day or I was going to be arrested. 
Today, XX/XX/XXXX. They Called my son again saying that there is a arrest warrant against and they will take it of if we pay the money. 

They keep calling and being very aggressive, I landed in the ER a few days ago after a discussion with XXXX XXXX.
I received a notification on X/XX/2017 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them.
I have been victim of identity theft XXXX times now in about XXXX years time. I have filed complaints with Consumer Fraud and with the Credit Bureaus. Latest issue is so many hard inquiries on my file by auto finance companies I did NOT give written or oral permission to. Wrote them all and asked for copy of credit authorization form they have that gave them permission. None have been able to send any because I never gave them permission. Only XXXX dealerships were authorized, XXXX XXXX in writing, and XXXX XXXX XXXX orally over the phone. Yet there are XXXX inquiries total on my file with XXXX credit bureau alone. I know one has a XXXX day window to shop around for auto financing, and it only shows as XXXX Hard Inquiry. This has always been the case all my life, yet this time with XXXX XXXX, almost all their companies they dealt with show as Hard Inquiries on my credit. My file is supposed to flagged due to the identity thefts, and yet they are allowing all these other entities to check my credit WITHOUT a credit authorization formed signed my me. I have wrote Equifax and the others asking they remove those unauthorized inquiries and got back a form letter with a response that I can not understand at all ... .. '' inquiries are a matter of record of all companies that have accessed your credit file ... ... ''. The inquiries are still there and not removed and it has affected my credit score drastically. I am so tired of these automated responses that get absolutely nothing done whatsoever to protect the consumer ... ME! They have allowed all sorts of entries on my credit that I never authorized, and then I get calls from collection agencies for loans I never made, and the vicious circle and cycle continues. At my age of XXXX I should NOT have to worry about this kind of criminal activity on my credit but I am worn out and tormented with this constant struggle to clear this garbage off my credit files, over and over and over and over again, with the Bureaus, from MY point of view are NOT co-operating. After all, its MY CREDIT INFORMATION, and yet they treat me like I am the culprit by trying to get it cleaned up and corrected. This Bureau system sucks in my opinion and needs to be done away with. I will be long dead if that ever happens, so meanwhile I am tormented with having to deal with thefts, illegal inquiries, incorrect entries and Identity issues ... ..growing old SUCKS!!!! 
XXXX XXXX
As I am working to clear up things that are on my credit I came across XXXX XXXX  From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.
I have an account with XXXX promotional balances. XXXX promotion is scheduled to end on XXXX/XXXX/XXXX the other on XXXX/XXXX/XXXX. Prior to opening the XXXX promotional balance my minimum payment was around {$85.00} once the second account was open my minimum payment went up to {$100.00}. Because my promotional balance is due in XXXX XXXX I made a large payment to avoid being charged. {$450.00} in interest. After the payment was made. Wells Fargo changed the minimum payment on XXXX balances without notification and is only applying {$2.00} of my payments to the balance that is about to expire. 

The summary of my complaint is Wells Fargo changed the terms of our agreement without notifying me, and they apply an unfair amount of my payment to an account where it is n't required with the purpose of collecting an extra amount in interest.
I RECEIVED A NOTICE BY MAIL, ACCORDING TO THEM IS THE SECOND NOTICE, FOR ME IS THE FIRST ONE THAT I RECEIVED, ABOUT A MEDICAL BILL THAT WAS UNPAID FROM 2012, THIS IS THE FIRST TIME THAT I HAVE KNOWLEDGE OF THIS UNPAID BILL, NO PREVIOUS BILL WAS RECEIVED BEFORE, I ALWAYS HAVE TAKE GOOD CARE OF MY CREDIT AND PAY ALL MY BILL ON TIME, BUT, WHAT IS CURIOUS IS THAT I HAVE MEDICAL INSURANCE THAT COVER ME 100 %, AND IF I WOULD HAVE RECEIVED ANY BILL BEFORE, I WOULD HAVE CALLED TO LET THEY KNOW THAT I HAVE INSURANCE AND MY INSURANCE WILL COVER EVERYTHING. 
I WRIGHTED TO THE COMPANY WHO SENT THE LETTER, ASKING FOR MORE DETAILS ABOUT THE NOTICE, BUT THEY DIDN'T ANSWER ME YET. BUT THEY REPORT ME TO MY CREDIT WITHOUT ANY NOTICE.
Portfolio Recovery Associates, LLC, sent us a letter dated the XX/XX/XXXX which we received on the XX/XX/XXXX. 
I called them immediately and ask XXXX and ask her what this notice was on. She said that there are two loans that they are trying to collect on. They are both on vehicles. One a XXXX XXXX XXXX, which has XXXX owed and that the last payment was made in XX/XX/XXXX and the other was on a XXXX XXXX XXXX. Which they said the amount due is {$5200.00} and the last payment was made in XX/XX/XXXX also. 
We paid off both of these loans and the amounts they are saying that is due is the original loan amount or more. 
When I told XXXX that I was disputing these accounts, she transferred me to, XXXX, who is operation manager in disputes. I told him that this is fraud and I was disputing these accounts as we paid them off a long time ago. I ask him if this conversation was being recorded and he said yes, I said that is good because I don't owe anything on these accounts. He gave me the email address to dispute them and the mailing address. When I mentioned to XXXX that this is fraud, he said not on Portfolio Recovery Associates, LLC but maybe on XXXX XXXX. 
I checked with my county clerk and received the paperwork where these accounts were paid off. The date was XXXX XX/XX/XXXX. These loans were through my local bank and then XXXX XXXX bought the bank and took it over on the XX/XX/XXXX. I had moved my accounts from XXXX XXXX before this date. 
When I spoke with XXXX at my states office over banking regulations, She said that they have had XXXX XXXX do this in another county in our state.
I have disputed this debt online with the credit bureau and requesting validation of this account. Company failed to respond or send any proof of validation. I have no contract with the agency. This is the second time this debt has showed up on my credit report under a new collection agency. I have not been notified and will be referring this to an FDCPA attorney for review.
PLEASE READ MY COMPLAINT AND INVESTIGATE THOROUGHLY. I N  XX/XX/XXXX  M Y IDENITY WAS STOLEN AND SOMEONE WAS LIVING AS ME IN  XXXX   XXXX  NEVADA. I HAVE FAXED OVER SUPPORTING DOCUMENTS TO ALL PARTIES INVOLVED.   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX , EQUIFAX AND CFPB. I HAVE ENCLOSED 18 YEARS OF STATED ISSUED ID AND ALSO COLLECTION LETTERS FROM STATE OF ALABAMA FOR  TAX YEARS  XX/XX/XXXX - XX/XX/XXXX . HERE ARE MY CONCERNS.     1. I HAVE LIVED IN ALABAMA ALL MY LIFE 2. I  HAVE 19 YEARS OF STATE ISSUED ID FROM ALAB AMA 3. I HAVE COLL ECTION LETTERS FROM DEPARTMENT OF REVENUE STATE OF ALABAMA WHERE I OWE TAXES FROM   XX/XX/XXXX - XX/XX/XXXX .  HOW IS THIS POSSIBLE IF I WAS IN  XXXX   XXXX  NEVADA PLEASE BETTER RESEARCH AND REMOVE THESE ACCOUNTS IMMEDIATLEY FROM ALL  XXXX  CREDIT BUREAUS
Every transaction i make gets detucted right away but it would still show pending for a couple of days and sometimes i would need it to finish to process some other stuff, and the over draft fees gets charged a day after the over draft happens, and most of the time I do n't see that my account has an over draft and would see it after the over drafting happens