WillisBack/dataset-financial-user-claim huggingface dataset:
When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. XXXX XXXX is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX {$2000.00} Closed XXXX XXXX  XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$160.00} Closed XXXX. 
XXXX XXXX XXXX.
Sent an email to Ocwen and XXXX XXXX XXXX, XXXX on XX/XX/XXXX requesting that our mortgage file be removed from the OOMLT 2006-1 remittance report for next cycle XX/XX/XXXX and the collateral file for the next cycle of XX/XX/XXXX since a valid transfer of assignment has not been provided to me that meets the new servicing standards and Ocwen National Servicing Settlement agreement. Ocwen and XXXX XXXX XXXX, XXXX has included our mortgage loan in the XX/XX/XXXX remittance report and theXX/XX/XXXX collateral file even though a valid transfer of assignment does not exist.
At some point within the last month, prior to XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX regarding an alleged debt owed to XXXX XXXX. I advised them during this first call that I had always paid my dental co pays at the time service was rendered and had insurance. I disputed that I owed any money. On XX/XX/XXXX, I received another phone call from XXXX XXXX XXXX advising them that I had an attorney but they abruptly hung up before I could provide the information. On XX/XX/XXXX, XXXX XXXX XXXX called me again in violation of the FDCPA after having notice that I was represented by counsel. I advised them of my attorneys ' name, phone number, address, and bar number. This company is attempting to collect an illegitimate debt and their phone calls also amount to harassment because they willfully avoiding obtaining my attorney 's contact information so that they could continue to harassment. They are now liable for statutory violations of {$1000.00}.
I have a private student loan serviced through Navient, originally with XXXX XXXX. I have been making regular payments and have sent the company instructions on at least 2 occasions ( XXXX and XXXX of 2017 ) detailing how I want overpayments dealt with : specifically that they should be used to pay down principal. Each time receive a response telling me something slightly different on how to get my instructions applied. First I was told, in XXXX to sign up for auto payment ( which I could not do on the website ) or to submit monthly payments by check with instructions each time I make an over payment.
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In XXXX there was no mention of the auto payment option and I was again told to send payments by check with instructions every time I make an over payment.
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I have provided a clear instruction to them about what they should do with all overpayments and they refuse to honor that instruction unless I submit it by mail every single month. That is absurd.
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Navient is systematically obstructing efforts to pay down the loan even slightly ahead of schedule while I am trying to do just that by overpaying by a few dollars a month
Reference to complaint XXXX. Have twice attempted to submit DISPUTE with two different operating systems without success. Have returned to this format for DISPUTE. 
DISCOVER has failed to provide remedy to original complaint/question. We 're not interested in the company line that we 've been told time and again. We 've asked for an account audit from XXXX through XXXX to determine when/why " purchase '' balance was transferred to " cash advance ''. As previously asserted, we have never used " cash advance ''. 
Why would DISCOVER Fraud send us a letter stating an investigative determination in our favor and proper adjudication forthcoming? 
Why is it so difficult for corporate America to do the right thing. 
Really. Seriously. If it was your mother who found herself in this situation, would n't you do everything possible to help her? Would you tell her, sorry mom - you 've got no proof. 
Would n't you use all of your corporate knowledge and assets to find the truth? 
It 's data. It 's stored. It 's in your possession not mine. 
Thank you for your consideration.
Company XXXX is calling me, my family members, and my friends. They are indicating I have some type of loan due however, can not produce a statement but instead keep directing me to a website. I have no idea what this is and they are calling me and my family multiple times a day and it is harassment at this point. The number they call from is XXXX. If I do have a debt, then they are in gross violation of debt collection practices.
I modified my mortage with XXXX in mid 2014. As part of the modification, they forgave all unpaid escrows, past due interest, protective advances, etc. and I was only to repay the remaining principal balance over the remaining XXXX years from the original mortgage at a modified interest rate. Shortly after close, XXXX sold the loan to Nationstar mortgage. Nationstar mortgage is now demanding repayment of delinquent tax and insurance escrows which were already forgiven as part of the loan modification. I have spent over XXXX hours on the phone with them and they always seem to " drop '' the call when I prove my case. On Monday, they agreed to amortize the escrows over a XXXX period but then subsequently came back reducing the period to XXXX. On top of this, they are charging me a {$290.00} late fee which is only due to us not being able to figure out how much I owe them monthly with the {$300.00} increase in impounds ( which is not owed to them per my loan modification ). This is bullying and they know most home owners do n't have the time or resources to fight this.
My daughter had a XXXX boy that had a huge crush on her and she told him that she only liked him as a friend only. He got upset and told his mom that she was saying she wanted to XXXX. She was XXXX years old at the time. So his mom called the sheriffs department in our countyand told them my daughter was going to XXXX which was not true. So the sherrif came to my hose with an ambulance and took my daughter away for a XXXX and XXXX which was a lie from that boy. The ambulance company hired Data Central to collect over {$1500.00} from me for an ambulance ride that this boys mother se into motion over a rejection lie. They need to take off this bogus debt as it is not mine but the boys mother. I had to pay apprx. {$200.00} for an evaluation which came back good on my daughter. This woman caused a lot of XXXX believing her son whom is a liar. This is not my bill, but hers to pay for her sons lies.
I have disputed the validity of the XXXX account XXXX. Transunion continues to state they can verify this account as being valid but when I contact the company listed at XXXX XXXX XXXX XXXX XXXX SD XXXX they keep telling me they can not verify this account. I have sent request to the company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting verification of this account by mail and have not gotten a response by mail. I called and spoke with XXXX at the number listed and he told me they have no copies of any documents to send to me verifiying this debt amount and that this account was written off an forgiven with a XXXX form. I would like Trans-union to provide copies of any information they have that verifies the validity of this account. I believe all account details are inaccurate and should be removed.
The bank I am filing a complaint about is XXXX XXXX. On XX/XX/2018 I initiated an ACH transfer out of my XXXX XXXX savings account to a previously linked external account that was verified by 2 ACH micro deposits. XXXX 's fraud department contacted me to verify the transfer which I did, but they said they don't " like making transfers out of the bank since they want to hold onto the deposits. '' The funds were available and within their published dollar amount limits so they made the transfer. However, they threatened not making another transfer in the future. 

Today, XX/XX/2018 I initiated another transfer out of my XXXX savings account to another VERIFIED external account but the transfer was rejected. This external account was VERIFIED by ACH test deposits and the transfer was within XXXX 's published dollar limits. 

XXXX is not allowing me to move funds out of my account with them. The funds are listed as available to me and again, the amount of the transfer was within XXXX 's published limits. 

I want XXXX XXXX to allow me to access my funds when I want based on THEIR published rules.
I filled out the form on XXXX to get my credit report from TransUnion, as I have done in years past. Upon redirecting to the TransUnion site, I was not asked any identity questions. Instead, the site took my directly to an error page ( XXXX XXXX XXXX XXXX ) that said : " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. 

What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 

Alternately, to request your Free Annual Credit Report by mail, return to XXXX to download the request form. '' Seems like something is broken with TransUnion 's interface to XXXX. This makes it more difficult for people to obtain their free credit report.
On XX/XX/XXXX, I notified Equifax by U.S. Postal Certified mail that I'm a victim of identity theft and as a result I would like for this Equifax credit bureau to immediately remove, delete or block a long list of unauthorized credit inquiries from my credit file. 

Unfortunately, for almost 2 months and as of this present date, I have not received a written response from Equifax. 

However, after I contacted Equifax twice by phone during this month of XX/XX/XXXX, Equifax has still refused to provide me with their written status or results of my written dispute. 

As I am clearly a victim of identity theft and a victim of the Equifax Data Breach of XX/XX/XXXX, I plan to hold Equifax and all unauthorized creditors liable by filing a huge lawsuit against them, especially since there were no permissible purpose under which these fraudulent credit inquiries were made.
Portfolio Recovery Associates LLC is reporting payment on my credit reports that I am not making thus re aging the debt.
I refinanced my HELOC in XXXX of 2015 from Ocwen to XXXX XXXX XXXX. On XXXX XXXX 2015, my representative from XXXX XXXX XXXX sent a check to Ocwen in the amount of {$91000.00} to pay off the HELOC. This check was received by Ocwen in XXXX XXXX XXXX, FL and was signed for, however the check was never deposited. XXXX XXXX XXXX called to inquire and then sent another check for {$91000.00} on XXXX XXXX, 2015 which again, was received and signed for but never deposited. I have tried numerous times to resolve this issue with Ocwen. My calls always go to a " global help desk '' in XXXX and they are not able to send me to a manager or give me a US phone number to reach someone in the FL office. It is now almost 4 months later and Ocwen will not help me resolve this, they ca n't even tell me where to send a check at this point. Meanwhile, I have XXXX HELOC accounts for {$91000.00} each, XXXX interest payments and my credit score has dropped significantly because of this problem with Ocwen, causing problems when trying to buy a car today due to my lowered credit score. We have worked with XXXX relationship managers and XXXX escalation managers. After over XXXX emails and hours upon hours on calls with Ocwen they seem to only be interested in keeping the account open to earn interest.
Opened a XXXX XXXX account in XX/XX/XXXX. On XX/XX/XXXX a capital one online pmt posted to account for XXXX and was not my transaction or authorized by me. I contacted Capital One on XXXX to have resolved. On XXXX the money was put back in my account but was effective on the day posted - XX/XX/XXXX. There was an interest amount for one day interest credited on XXXX as well. The amount withdrawn should have been posted to my account effective XX/XX/XXXX so that I was not harmed on interest. The interest payment should have been effective XX/XX/XXXX as well. I have called 2-3 more times to try and get them to fix the errors on the account and make me whole and so far nothing has happened. They do not call me back to let me know what is going so I have to keep monitoring, calling them back and explaining every thing all over again. 

We are not talking about a lot of money ... .Depending on how they compute the interest it is ether 1.07 or 1.43 in interest for XXXX or 4 days that I should get that right now I will not get as the money was not in my account on XXXX, XXXX XXXX and was finally put back on XXXX.
I have, in the past, applied for mortgage modifications with Bank of America On numerous occasions since XXXX only to be denied. I recently paid close to 12k in cash in approximately XXXX of this year to pay down my balance and have a final balance of {$3400.00}. I have missed XXXX and XXXX payments due to unexpectedly replacing my roof and emergency repairs to my heating system. My tenant also broke a lease unexpectedly and moved in XXXX. I have called Bank of America and  requested a workout plan k my to again be denied so that they can push me into foreclosure and attempt to take my home for a mortgage balance of less than {$4000.00}. They refuse to provide phone numbers for the Presidents office to provide assistance and allude to the fact that they can start foreclosure proceedi vs at any time over a {$3400.00} balance. I have assured them I can make full payment of my regular mortgage in XX/XX/XXXX if the government does not shut down as I am a government employee which wou.d reduce my mortgage balance to under {$3000.00} but XXXX and Supervisor XXXX Had an said adamtly no there is nothing they can do. BOA has repeatedly denied my modification requests in the past by saying my income is insufficient but it strange that I have made my mortgage payments in excess of 23 years as well as paid them a lump sum of {$12000.00} towards the principle in XXXX/XXXX of this year. This proves outright that BOA is consistently trying to take my home to profit from it and offering no assistance on a {$3300.00} mortgage balance that would be paid off over a period of maybe 3 months. I believe they are committing consumer fraud by not acting in good faith.
First off, I have used paypal for years. I understood the process of buying online with them and I am sure I could provide a history if I had to. When paypal broke off from ebay, something in the process changed. Something in the look of the page changed. I clicked on what I thought was the regular paypal checkout button, finished the transaction as usual, and a couple days later I got a hard credit check notification from XXXX. I checked into it and discovered I had unwittingly signed up for paypal credit. I immediately looked for a phone number for them and cancelled the credit line. They were professional about it until I stated they tricked me into signing up for the credit line. They said I should be more careful about how I conduct online purchasing. I blew it off. I just do n't want my credit score affected.
Since  XXXX   XXXX ,  XXXX   XXXX   XXXX , a collections company, whom I have NEVER done business with nor have I ever had an account with, has been reporting a Debt Buyer Account on my Equifax credit report an amount of {$410.00}. I have disputed this account with Equifax and was told by them that they verified this account as being mine, which it 's not.     As instructed on the Equifax investigation report, I have called  XXXX  at the number provided on the credit report numerous times to dispute this matter using the account number provided by  XXXX  which appears on the investigation report. For my own protection, I am refusing to give  XXXX  any additional information -- especially my SS # to a collection company in the event they make any additional inquiries which ought also need to be removed from my credit profile. Although I provided  XXXX  with the account number, my name and address to verify my identity to them as it appears on my Equifax report to identify myself as the person disputing the erroneous and damaging information they are reporting on credit profile,  XXXX  refuses to discuss this account with me because I refuse to give them the las t 4 digits of  my Social Security number, citing privacy protection.     After their many attempts to justify their reason of needing my social security number to identify me they used  one  of their internal systems to access my name and number through their system and asked me to confirm the last  four  digits of my SS # which the agent named "  XXXX  '' said she had my full social security number in front of her as proof that  XXXX  performed an UNAUTHORIZED CREDIT CHECK which appears on my credit report and have not provided any information besides stating a DEBT BUYER ACCOUNT. I told  XXXX , I knew my rights under FCRA and by providing a company issued account number, that I did n't have to provide my SS # as reasonable ID -- particularly to a DEBT COLLECTOR speaking on a RECORDED LINE ; who would ultimately use my information in their own pursuit of debt collection activities.     Also, inany of my disputes neither  XXXX  nor Equifax has provided any additional information to me such as a statement or contract to indicate the origin of this collection debt, to resolve this matter, since I have never had any dealings at all with  XXXX , no contracts, no signed agreements, no nothing. On  XXXX   XXXX ,  XXXX , I applied for an apartment and my application came back saying I had to provide an additional {$720.00} Security deposit because  XXXX  has placed this on my credit report -- fraudulently and illegally. This is even more frustrating because they say date of first delinquency is in  XXXX ,  XXXX , date opened,  XXXX ,  XXXX ,  XXXX  and have been reporting this since  XXXX  of  XXXX , creating numerous erroneous inquiries among my other credit reports ( i.e.  XXXX , Equifax,  XXXX  Renta l Bureaus ),  as well.     I pray you can help me get this sorted out. Thank you.
I was talked into obtaining a private student loan from XXXX by a school program for pilots that promised to teach me how to fly. The school fell through on their promise and I was terminated with no previous warning. I contacted XXXX at the time to see if they could help me and all they did was put me on forbearance and after years on forbearance they have started threatening phone calls and harassing both my cosigner and myself. I later found out that the school I was with obtained the loan on my behalf by using their Part XXXX designation when I was not a Part XXXX student I was actually a Part XXXX student which is not allowed to obtain student loans. Now they call on a daily basis multiple times a day and I have tried to arrange for payment but they want me to pay an outrageous amount of money per month that I nor my cosigner can afford. I do not know what else to do and have ran out of ideas.
I have been trying to contact both Equifax and XXXX to place a freeze on my credit report for several days. I was one of the persons affected by the Equifax breach. 

For Equifax ... each time I try to enroll in their free service and/or request a credit freeze I get a website error. I tried calling their toll free number, but the folks there just referred me back to the website. It 's an endless loop of XXXX in which nothing is working. 

For XXXX ... I tried to pay for the freeze on my account to avoid signing up for their monthly service ( {$4.00} to start, {$24.00} per month thereafter ), however, I was not able to do that either without sending them a police report showing identity theft. I tried calling, but apparently there are no live humans working at XXXX. It was an endless loop of automated system XXXX in this case. 

Next step, call my local police department, and file an identity theft report against Equifax so that I can freeze my credit with XXXX? 

Much praise to XXXX. Their process was free and flawless. For Equifax and XXXX, I do n't know what to do now. I ca n't afford the expensive private services to protect myself. In my opinion Equifax should be putting fraud alerts out for all affected persons automatically without them having to do anything.
I have been struggling to make minimum payments on my loan since I first graduated school. I was mislead by my school about this loan they pressured me into, trying to get me to take out even more for living expenses despite me telling them no several times, and later found out I was being charged 16 % interest on my loan while I was in school, which was then capitalized on year after year. My loans are all sitting at around 12 % interest even after being told over and over on the phone that my interest rate would be lowered to .01 % if I made on time payments for 3 months. I made the payments for 3 years and got nothing in writing despite NUMEROUS requests, and no valid proof my loan interest rates were lowered. My school has now been sued ( XXXX XXXX XXXX ) and has agreed to cancel the student loan debt of students its been charged with lying to. I believe I qualify for that discharge but because of the private loan I was pressured into I have had a very difficult time getting any help with my loan. I now owe $ 56,000+ when I originally borrowed {$32000.00} and have paid around {$12000.00} since 2008. I am calling my lender and recording the call, I will advise them I am recording it and I would like to forward that call to the CFPB.
I was a previous XXXX XXXX and a victim of a security breach of personal data at the OPM office. After being notified of this I pulled my credit reports and found an in accuracy on the Experian report. I filed a dispute for the in accurate items but they were not removed, nor would they reinvestigate them even after I offered to send the letter from the OPM office proving the security breach. There were no in accuracies on the XXXX or the XXXX reports making it all the more evident my personal information had been compromised. <P/>I have tried several times to provide them this information in addition to redisputing the entries. They simply refuse to reinvestigate. These entries are damaging my credit and will cause me to pay higher rates for any loans that I may obtain.
I went to my local Bank of America branch to open a checking account and was told they could not proceed with my request because my social security number was already in use by another customer. I went home and created a mySocialSecurity account online and verified there are no unidentifiable earnings attributed to my SS #, so no one is using my number for work purposes. I then ordered my free annual credit report and identified one, open Bank of America credit card account that does not belong to me with a historical high balance of {$5400.00}. Bank of America referred me to the SSA but since this is not a work/earnings issue there is nothing for them to do. How do I get Bank of America to investigate on their end?