WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/18 someone used my XXXX  XXXX  card number ( card was not stolen ) to make 2 purchases at XXXX in XXXX XXXX NY one for {$15.00} and one for {$170.00} both cleared on XX/XX/18 after i had already called XXXX  XXXX  from finding it online at there website. why they can not stop payment needs to be addressed, they canceled my card and sent a new one about 5 days later, they also sent a fraud questionnaire which i returned on XX/XX/XXXX. along with a police report from the XXXX. over the next 23 days i kept calling and they kept saying they have not received my letter and nothing could be done as far as a provisional credit for my account.i informed XXXX XXXX  personal every time i called that i have been completely out of money ( i mean not even a dollar bill ) since the XXXX of XXXX. calls made on the XXXX. on the XXXX a XXXX XXXX  lady said ; we received your letter on the XXXX but that is 2 days past the deadline for a provisional credit. note ; ( on the XXXX. XXXX  XXXX said they had not received my letter yet. ) i told the lady i can not control the mail and it is the holidays so it may have been a day or 2 at most delayed and your going to tell me i will half to wait until the investigation is finished before giving me the credit! she said ; we can not control the mail either, can i help you with anything else. i said yes, you guys can do what your suppose to do and credit a persons account not make some excuse about the mail being late.later that same day a man from XXXX XXXX called named XXXX he said he received my request for expedited case, i said today, he said yes, i said a lady from XXXX XXXX  did that back on the XXXX 4 days ago. he said we received your letter but there is no postmark on the envelope, i said you can be sure the letter inside has a date on it. he said i will try and get this information to the investigator on Monday the XXXX. i asked him if that person works in the same building, he said yes. i said you have got to be kidding me, he's in the same building and you can not walk over to where he is and give him this information. i told him the entire story from the XXXX of XXXX to now, he said ; i will see what i can do today, i said i would appreciate that. it is now XX/XX/18 and my account still shows XXXX  balance and both fraudulent charges still appear on my account.
Experian is reporting XXXX accounts that are older than 7 years. I tried disputing these account with the CRA but they refuse to re-dispute my request saying they were disputed 3 years ago. 

The following accounts have been reporting for longer than 7 years and are no longer being reported by the other XXXX CRA only Experian is choosing to keep them on my file and further more damaging my credit file, career and future. These accounts were disputed with both XXXX/XXXX and are reporting back as unverified along with the company agreeing with me that they would no longer report these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDU XXXX
There are numerous previous complaints I have filed with you regarding SPS ( SELECT PORTFOLIO SERVICES. 
Each time they claim they need only one document which I always email and have all records. 
Most of the time I'm on phone with an ombudsman representative ad sit on phone till they confirm they received what the wanted.Now they r violating federal law and DUAL-TRACKING my case. 
I HAVE EMAILED EVERYTHING THEY HAVE NEEDED COMPLETLY directly too XXXX   XXXX ( OMBUDSMAN ) each time and spoke to her on XX/XX/XXXX, when again they said only need explaination of my income which I did MULTIPLE TIMES. 
So XXXX  spoke to XXXX XXXX her partner in ombudsman than came back on phone and assured me XXXX WAS EMAILING FORECLOSURE DEPARTMENT WITH EXPLAINATIO THEY R LOOKING FOR and everything will be stopped. 
Well this past saturday I received documents that XXXX XXXX  XXXX filed all motions to get judgement and sale. 
They filed this XXXX DAY AFTER I TALKED TOO XXXX and was assured all was good. 
All weekend and yesterday I attempted too get this stopped. 
I sent email thru linkedin to XXXX XXXX ( XXXX OF OMBUDSMAN ) and also XXXX XXXX ( EXECUTIVE VP ) I SPOKE TOO OMBUDSMAN DEPARTMENT YESTERDAY XX/XX/2018 asked that the esculate and get me an email STATING THAT THE HAVE CONTACTED XXXX XXXX XXXX  AND advise too withdraw/dismiss all action by end of day today. 
As of XXXX TUESDAY morning I have not received any calls or emails from none of the above.
Mead & Associates reported a debt to the credit bureaus without notifying me. When asked for the record of their previous communication, they could not provide the letter. The agency stated that they could not provide the actual letter but had record that a letter was sent and could send a new letter. I informed them that without a copy of the original letter, I had no confirmation that the letter was actually sent and that proper notification was given and that I had no opportunity to acknowledge or dispute the claim. 

I asked that they remove debt from my credit report but the supervisor stated that they could not. I paid the claim so that it would not further impact me and informed the collection agency that I would be reporting them to CFPB.
On XX/XX/XXXX, I mailed to XXXX via USPS certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX # XXXX and XXXX and notification of identity theft accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. The identity theft report also included inquiries. 

The documents were delivered to XXXX on XXXX XXXX, 2017, in XXXX TX. 

To date, I have not received any information related to the above information and report.
QWR and Debt Validation letters have been sent several times. They did not response according to the law and did not provide certificated and authenticated documentation. In addition foreclosure document fraud by Wells Fargo as master servicer of XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX XXXX, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX Brokers Conduit filed bankruptcy in XXXX XXXX and the Assignment says the note was assigned in XXXX XXXX, XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XXXX which is XXXX plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, XXXX XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS WELLS FARGO HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.
Wells Fargo Bank use a 3rd party, XXXX ( XXXX XXXX XXXX ), to alert them to place a deposit hold on your acct. Wells Fargo will " hold '' the deposit for 7 business days even when Wells has received payment for the check. I made a deposit on XXXX/XXXX/16.The hold is until XXXX/XXXX/16. I verified with the bank the check was from and they paid it on XXXX. How can Wells keep my money that they have already received and not credit my account? This is on a small business acct and it really effects my business.
This is for wrongful information on my credit report. This XXXX XXXX has no proof of my responsibility to agreeing any type of terms to them. I shown proof in the District Court where there held a wrongful debt against me. They had no report to collect from me. The Judge XXXX XXXX dismissed the case in XXXX XXXX and I was awarded not guilty. I have further records from the court proceeding if needed to prove this case against XXXX XXXX. I have been in great standing with my other creditors. I do n't know how to upload the court documents to prove my case on this matter. I am willing to find a way to send at a later date.
Please initiate an investigation of Ocwen Loan Servicing for fraudulent activities for the following reasons : Ocwen has violated two legal binding contracts, in the State of NY without authorization or consent from the parties to the contracts : ( 1 ) XXXX/XXXX Dept. of Environmental Protection [ signed XX/XX/XXXX ] ; ( 2 ) XXXX/XXXX Dept. of Finance [ signed XX/XX/XXXX ].
Ocwen has illegally initiated loans and then attached them to my mortgage payments without my authorization.
Ocwen has failed to provide any agreement ( s ) that I have signed with them agreeing to such loans.
Ocwen has failed to provide any prior notice ( s ) of its intention to provide such loans before initiating distribution to a 3rd party.
Ocwen did not provide me, the consumer, an option to accept or reject said loans.
Ocwen has failed to provide a copy of a signed application from me for such loans.
Ocwen has failed to provide or quote the New York State Law or Statue that allows it to provide loans to a consumer of which the consumer has no part in negotiating.
Ocwen has refused to reverse its illegal action after several requests.
Yours faithfully,
I can not access my Equifax credit score. My XXXX  score comes up no problem, but Equifax says they have no information.
Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, XXXX XXXX
Last month XXXX XXXX, 2017 I made a call to the Lender and made my payment on the phone and I still have this on my credit report. Is been almost a month and they have n't removed it from my credit report.
XXXX has me owing them $ XXXX.when i moved out in XX/XX/2000 i received my mailed security deposit back and left a clean apt., and gave 30 day notice. when i contacted XXXX about this debt, they could find no information in computer or back files.I never heard anything about this debt until it showed up on my credit report. what do i do now?
I have contacted and spoken to, " XXXX '', and have been denied a refund from citizensbank. This matter is in regards to fees obtained in an illegal manner on my citizens account. I have taken screen shots of my account frequently, and have documented account minipulation by citizensbank. The bank has applied double fees, held deposites and withdrawls for days even weeks, random surcharges, aswell as random fees.
It has been 7 years since I voluntarily requested that that Chapter XXXX be withdrawn. The bankruptcy was dismissed by my request and vacated. I found a way to pay creditors and avoid the need for restructuring. The public record for said action has fallen off of my credit reports for XXXX and XXXX. But Equifax states that their policy is 10 years. Why does Equifax get to be the exception? It seems totally unfair that this one agency is the exception for an action that I voluntarily withdrew and was affirmed vacated by the bankruptcy court over 7 years ago. It seems as though the reporting agencies are never about helping consumers but are in league with lending and business interests to extract as much hard earned money out of them as possible. Disputing with Equifax simply earns you a form letter stating that it is their policy.
Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me per the fair credit reporting act.
I opened a Checking account in Chase Bank on XX/XX/2019. I opened it online and there was an offer that if I make direct deposit of {$500.00} in first 60 days of account opening, then I will get bonus of {$200.00} within 10 days. While opening the account online, it says " COUPON APPLIED AUTOMATICALLY '' so i don't need to apply any coupon or visit the branch for the same. My first direct deposit was made on XX/XX/2019 ( {$2000.00} approx ). After that second direct deposit was made on XX/XX/2019 ( Almost same amount ). But I didn't get my bonus. I called customer care on XX/XX/2019 to enquire my bonus, they said that I did not applied coupon so I will not get the bonus. I explained them that the website is saying that coupon is automatically applied. Then they asked me to visit branch. I visited the branch on XX/XX/2019 and meet the relationship officer " XXXX XXXX ''. She said that as I opened account online so branch has nothing to do in it and sent an email to branch manager Mr. XXXX XXXX. Address of branch is XXXX XXXX XXXX XXXX XXXX, Il-XXXX. I got a call from the manager on XX/XX/2019 regarding same and he also tell me the same story of coupon. If the coupon is not applied, then it is the glitch on the bank end, then why should I suffer. 
Please help me to get my bonus. 
Thanks. 
XXXX XXXX XXXX
Ok, I was told the {$32.00} interest charge and {$6.00} on the XXXX XXXX, XXXX statement would be credited back to me by a rep on the phone. He looked over past purchases and saw spots where promos were not applied properly and I was charged too much interest. I was offered to get a credit for those XXXX interest charges, now the XXXX credit card people say that they cant do anything. This is wrong as it was promised to me!
Hi I had some late fee 's from company which i was told would be removed but have yet to be removed. I have called the company several times trying to get this matter resolved. They said they would remove all late fee 's from file.
Short ver : Graduated college, could not find a job like most. 
XXXX income but some money in savings, Called XXXX XXXX and later Navient about what options do I have for someone with no income and about XXXX in savings and both loan servicers said flat out do a deferment with no mention of any of the other repayment plans such as income based and income contingent plans. IBR would have been perfect because I still had some money in the bank to at least pay something to lessen the interest hit. The reason is they make more from the capitalized interest than on another other applicable payment plan.
I placed a dispute with XXXX requesting that a XXXX   negative item be removed from my credit report due to the first day of delinquency had exceeded 7 years. 
XXXX did not remove XXXX negative item despite the FDOD being longer than 7 years. 
XXXX investigated the dates of the MOST RECENT transactions instead. 
XXXX  said the most recent transaction were correct so they were not going to update my credit file. 

My dispute was not about the most recent transactions dates - it was about the oldest transaction dates with exceeded years. 
XXXX  removed the older dates from my credit report - having it appear as if the 7 years had not been reached. 

Since I am making this complaint there is another item - A XXXX XXXX debt that has also passed the 7 year DOFD. 
I want XXXX to follow the law & update my credit report with the removal of FDOD items. 

I placed the same dispute with XXXX  - they removed both items that were beyond the FDOD reporting window. 
I placed the same dispute with Equifax - Equifax also didn't investigate the FDOD - they confirmed the dates of the MOST RECENT activity - exactly as XXXX has done.
The first credit card I applied for never arrived when it was suppose to in 7 to 10 days so, I called for a replacement card and then the hard inquiry appeared on my account.
XXXX XXXX XXXX also dba XXXX XXXX, XXXX has received several requests from me to validate a debt that they have claim I owe. I have informed this company on several occasions that the debt they are demanding and harassing me for is a fraudulent debt. This debt is not mine and I asked for proof on numerous occasions. This company has failed to prove the information I am requesting, but instead provided a letter stating they are the " owner '' of a " sold '' debt. Midland has threatened to take legal action against me for a debt that does not belong to me. I have yet to hear back from Midland with the information requested as they continue to send " Pre Legal Notices '' and " ownership '' letters to stale.
On XX/XX/XXXX I recieved calls and also letters regarding some pill that were purchased from XX/XX/XXXX from XXXX XXXX XXXXXXXX. When looking up info on the creditor they do not exist since there from a bike company the letters I have recieved none of the information matches. They call & state they will ruin my credit & that I have no opinion but to pay it. The company name is national medicial adminstrators inc DBA XXXX XXXX XXXX.
was approved for a modification back in XX/XX/ and now Carrington Mortgage is trying to tack on extra fees that were not in the modificaqtion
On   XXXX   XXXX   I (  XXXX   XXXX   ) a nd my wife  (   XXXX   XXXX   ) went  to a  Wells Fargo Branch  in  XXXX   XXXX  Texas off  XXXX   XXXX  to withdraw funds that showed available in my wife 's savings account. The money is from a insurance claim for damages to our home. We waited for the funds to become available before contacting the company to fix our roof. We were told that there was an error and that the funds could not be giving to us because the check was not properly endorsed. So I asked why did the check get process and the funds show available in the account if they knew it was an error? The lead of the teller whom would not give us her name when asked she blamed the ATM for the error but I kept asking whatever who ever the error why was the check process and funds made available if it was an error. The tell kept repeating the same issue. She then accused my wife and I of trying this at another  Wells Farg  XXXX  bank and was trying it again to try and withdraw the funds. I insure the tell that this was not the case. We needed to withdraw funds that show available in my wife 's savings account to pay the roofers. They told us to contact our insurance company ( who is thru  Wells Fargo ) and get a let ter for them authorizing release of funds. My wife and I understand the reason but want to know why the would process a check if they knew it was in error?
I have filed several complaints against Diversified Due to them ignoring my requests of validation to this alleged account they are reporting on my credit report and keep saying to contact XXXX when they are reporting on my credit report with no documents but an itemized bill which is hearsay no signature of any kind to back up their claim so I have send them letters also certified keeping track of every letter and correspondence the letter tracking number XXXX I have send them requesting proper validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the correspondence local state laws. I have requested " validation '' that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay but they still have refused to and all they send is an itemized bill which is not proper validation. Instead they keep ignoring my request and refuse to properly validate. An itemized bill is hearsay. Please note that as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation.
There are many medical bills listed on my EQUIFAX account in collections such as optimum outcomes and a few more. However XXXX and XXXX have both removed them due to the hippa violation act! I have tried several times to get the items from collections removed by using 609 letters and HIPPA letters but nothing has changed. My next step will be to take them to court.
Request SPS to provide the following items to me ( this has been ongoing since they became the mortgage servicer since XXXX XXXX XXXX ) 1.written explanation why my property tax ( 1st installment due XXXX/XXXX/XXXX ) was paid late XXXX XXXX which incurred a penalty from the State of California ( $ XXXX est. ) which as of today has never been provided after 5 requests through letters and faxes 2.request for my impound account that pays my property tax and fire insurance be terminated and have the mortgage note modified to reflect the principal and interest payment without the impound..sent two letters as well as a fax letter and no response in writing from SPS as of today date 3.request a written explanation of why there is a escrow shortage for the tax and fire insurance impound since it is being added to the principal and interest payment and how did this occur..request three times via letters fax to their customer service account supervisor XXXX XXXX, XXXX XXXX, XXXX XXXX without result . last two months to date. 

Please have SPS comply to my written requests without further delay. I have been in contact with them long enough toi realize that it is a total waste of time and energy without your help to force them to comply.
XXXX Student loans sold many of my private loans to XXXX. While looking at my credit report I see several " payments '' made to XXXX that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to XXXX and therefore should not be represented on my credit report. 

I have NEVER made a payment to XXXX, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the Better Business Bureau. To date XXXX has not given me any  information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made XXXX should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.