WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18 I received an alert on my credit monitoring site that " National Credit Adjusters '' added a collection account to my credit reports. After some research of my own, the original creditor is listed as a company named " XXXX XXXX XXXX ''. Seems as though national credit adjusters purchased a debt from XXXX XXXX XXXX. Unfortunately this is a fraudulent loan obtained using my personal information without my knowledge or my permission. Upon learning of the situation all credit bureaus have been notified. An FTC identity theft report has been filed, as well as a police report. This alleged debt does NOT belong to me. I have never stepped foot into " XXXX  XXXX XXXX '' nor did I request their services. Per the FCRA section 623 imposes the following duties : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Failure to comply on your part will result in a citation for FCRA Section 15 U.S.C. 1681s-2. I am also protected under Texas Identity Theft Enforcement and Protection Act through the Office of The Attorney General. I am taking the matter very seriously and I appreciate all assistance/ cooperation from your establishment. Delete this account immediately.
Im still trying to figure out the fees charged by this company and how my payments are applied. I was on a payment arrangement to make payment for a pass due amount. an amount that the company was saying was 4 months past due even though I make a payment every month. My car was repossesed even though I had arrangement to make payment. I was quoted an amount that was due to get vehicle back and a total due with repo fees. Once I paid the amount to get vehicle back I was told another amount. They said that they added a " Key Fee '', for a key that I did not receive when I picked up vehicle. I was also told that I had 30 days from the day XXXX picked vehicle up to make a payment, but the scheduled payments, which included the key fee, for today, but told me that I could call back and change to later if needed. I called today and was told no changes and that my vehicle would be repossesed again.
I refinanced under the HARP program through Well Fargo and I feel that it is a very deceiving program. I have been trying to trying to get a lower interest rate and was turned down several times. I also was refused a 15 year mortgage and was told that I was not qualified. Under the HARP program I was told that I qualified for a 4 % interest rate and my monthly mortgage would reduce by {$60.00} and that I did not qualify for a 15 year mortgage. I also explained to Well Fargo that my unit owners insurance was always personally paid by me and was never included in my mortgage. I was told by Wells Fargo that I could do anything that I wanted to once I finalized the remortgage. ( 1 ) I was charged over {$4000.00} in closing cost, ( 2 ) Wells Fargo refused to let me continue paying my own unit owners insurance, ( 3 ) My mortgage payment was never lowered. I also contacted Wells Fargo with my concerns, they were very nasty and rude. And I was told that there were certain criteria I had to meet. I explained that my unit owners insurance changed from XXXX XXXX to XXXX and they sent a check to XXXX XXXX anyway. As of XXXX XXXX, 2016 I received another letter from Wells Fargo stating that my insurance expired on XXXX/XXXX/2016 and they were going to purchase insurance for me. I have made several attempts to get through to the Wells Fargo insurance division with no success. They are refusing to correct the error and recognize my current unit owners insurance through XXXX. I feel that the refinance under the HARP program is nothing but a scam for the mortgage companies. Wells Fargo will do anything that they can to make money for themselves and not the consumer. I have never missed a mortgage payment and this is how I am treated. If I had of known that Wells Fargo was scaming their good paying customers, I would have never refinanced under the HARP program.
I filed and completed a chapter  XXXX  bankruptcy and liste d Merchant Credit Adjusters Inc. as a creditor. Merchant Credit failed make claim during the bankruptc y.     Once the creditors were notified that the bankruptcy wa s discharged Merchant Creditors files  a claim of garnishment, violating my rights under the bankruptcy laws. This is not a collectable debt.     Bankruptcy Case No :  XXXX  Merchant Credit Adjusters Lawsuit {$510.00} Case  XXXX   XXXX   XXXX
I've been submitting information to XXXX and XXXX  about a account being in collections on my credit report and they still haven't removed this negative information
I submitted a complaint to cfpb ( # XXXX ) inXX/XX/XXXX. It was corrected. Now, todate, I have the same problem re-existing on my credit report. I have sent letters to XX/XX/XXXX and to Equifax but had trouble disputing on line with Equifax. I have old statements showing the situation was fixed. Equifax confirmation number is XXXX showing that {$350.00}. from XXXX was satisfactory and that the account is " closed. '' Whereas, on my credit reports, they state that amount above was never paid and is open and is still in collections. This is wrong. XXXX Account No. XXXX - date opened:XX/XX/XXXX This has a XXXX  balance is a closed account. It is shown as a " derogatory mark '' on my credit.
Can you please help me rectify this again?
Thank you for any of your help.
Sincerely, XXXX XXXX XXXX
I am showing as late XX/XX/XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
I notified Navy federal  in earlyXX/XX/XXXXthat I was a victim of Identity theft. First starting with my sister filing taxes under my name and social to get a refund. I had an ftc and police report done then. I next was a victim of 2 data breaches one inXX/XX/XXXX and the XXXX breach in XXXX. When I notified them immediately that there was a problem with my account, they started an investigation, and sent me a letter telling me my card was closed and what I needed to provide. Which I did and this was about 2 years ago. They still didn't fix my account. The second time I marked every transaction that wasn't mine, for their review still nothing.. I stayed on top of this. I spoke to many people from customer service to fraud. I was not paying a balance I didn't owe. My account was closed in XX/XX/XXXX. But they still kept paying ebills, and charging more fees, When an account is closed nothing more should be happening with it. They made that mistake. They need to bring the account current, get it out of collections. and take it off of my credit report. It was due to the fraud the account was out of control and they wouldn't do anything to stop it, except make it worse. I am attaching all cases and their results. Every answer they have provided has not even sounded like they have tried to do anything, I will take this to the attorney general a second time. and the ftc again, they just allow Navy Federal to get away with this and it isn't fair, When it says they take this kind of thing seriously, I have no idea who they mean, because they are even willing to take money from their own soldiers which the CFPB did get them for. So it is obvious they don't care about their customers, just putting is in dept and leaving us there.
I was leasing a car from Toyota Financial Credit and Toyota wanted to take the car back a few months early so I went XX/XX/2015. I believe it was on XX/XX/XXXX. I left the car and signed off on the mileage and leased a new car, a XXXX RAV4. The dealership representative, XXXX, sorry it is true, did not complete the paperwork. I continued to get a bill for the car I gave back. I spoke to Toyota Financial Services several times. They were less than helpful and even tried to say that they did n't care about the dealership, that I had a contract with them. They said, they knew obviously that I did not have both cars. It was only after I told them that I had a contract with them and would be in that night to pick up the Camry that they panicked and located the papers where I of course had signed off on the mileage and traded in the car in XX/XX/XXXX. They had the nerve to put on my credit bureau that I was delinquent in paying my car payment for the car I did not have since XX/XX/XXXX when I gave it back. They billed me for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. It was only through a mortgage refinance inquiry that I found out they did this. When I tried to call them, 3 times, each time they left me on hold for 50 plus moments and then would suddenly be gone, leaving me to have to call again and start the 50 minute process of waiting, never having helped me. I am beside myself with anger. I have been a customer of theirs for 20 years. I have never been late or missed a car payment when I bought or leased a car. This is unacceptable. They also promised me when I spoke to them and they realized their error, that this would not happen. I am going to make a complaint against the dealership as well and I hope to have the person fired that handled my car. Often people consider what that could involve, but in this case it is appropriate. When I called the dealership, instead of being helpful the manager tried to accuse me of not reading the contract etc. Of course I signed off! His XXXX dealer did n't do his job. Now I am after jobs as this is unforgivable. I am an XXXX XXXX, work very hard and the least I should expect is honesty and compassion. XXXX XXXX XXXX
I have a prepaid Citibank card and a merchant issued a refund of XXXX to it because it was one of the cards I had on file with them. This was issued in XXXX of 2017. I have contacted Citibank numerous times and sent them all documentation they requested. I have documentation from the merchant showing this transaction and Citibank accepting the credit of XXXX. The merchant had 2 cards on file for me as I have an ongoing marketing account with the company, the other bank card on file had expired and it was the one charged for the original purchase however they automatically remove cards with expiration dates so they issued the refund to the Citibank card as they assumed I would receive it, WELL I never did and Citibank has kept that money for almost a year and has not added it to my prepaid card or sent the money back to the merchant so that they could return the money to me. All Citibank has done is give me the runaround and are holding the money that belongs to me.
My son and I were approved for a loan at 20 % interest from Santander bank. 
We should not have been approved as he is XXXX with a family to care for, and because he was late on his payments, he owes more than what he borrowed. 
I was refused by XXXX other lenders because my credit is bad. 
How did we get this loan?
My husband opened a XXXX XXXX XXXX account for our daughter with XXXX Bank. Last known statement was sent to our address in XXXX, GA in XXXX. We have since moved to a couple of different addresses and lost track of the account. Our daughter is now scheduled to graduate on XXXX, XXXX. We located the last known statement dated XXXX XXXX/XXXX/XXXX ) and called TD Bank to inquire about the funds. XXXX Bank was bought by TD Bank in XXXX. TD Bank states that they do n't have any record of our account because it must have been dormant prior to their acquisition of XXXX Bank in XXXX. TD Bank suggested that we call the State unclaimed property department in Delaware, Maryland and Georgia. I contacted the unclaimed property in the States mentioned and they do n't have any record of the account being sent to them. The State of Delaware informed me that they would need a letter from TD or XXXX Bank stating that account funds were sent with associated details before further research can be performed. TD Bank is stating that they ca n't help, because there is n't any current record of the account. This is a good bit of money and my daughter needs it desperately to get into college. Can someone from TD Bank please pull the account history from archive and explain what happened to the account.
Keep getting disconnected from  Navient whenever I call to apply for inco.e driven repayment but then will be bombarded with calls saying my student forgiveness is ready or forbearance has been ok 'd and I never ok 'd anything ever. This has happened for 3 years now
I purchased a purse from XXXX XXXX XXXX that arrived on XX/XX/XXXX. The purse was a fake so I returned it on XX/XX/XXXX. This is well within the 30 day return policy. It arrived back to merchant on XX/XX/XXXX. This can be verified via the tracking information from USPS. 

The vendor did not respond to my emails and they do not list a phone number of their website. A internet search on this company shows a history of selling fake items and ripping off consumers but not refunding payments. 

I disputed the charge with Chase as their credit card was used for this transaction. I have provided them with the tracking information several times and have spent hours on the phone with their dispute department. It has been more than 5 months and they still refuse to refund this transaction. This is completely unacceptable.
Date : XXXX/XXXX/XXXX Attention : XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX  Regarding 2 Accounts Numbers Below ... Accounts XXXX XXXX XXXX & XXXX XXXX Time after time again I have asked / request in witting a complete full statement from your company with your company heading which since from XX/XX/XXXX up until XX/XX/XXXX I have never been in receive of not been as after the request has been given and submitted by your employees : 1 )  XXXX Employee ID # XXXX 2 ) XXXX Supervisor ID # XXXX My Request has been submitted time & time again for the past FEW years and never have I XXXX ever been able to receive a bill via mail from you .. I know ask that if possible can YOU PLEASE mail me out ALL FULL STATEMENTS FROM DATE : XX/XX/XXXX UNTIL DATE : XX/XX/XXXX Even if able give me access back to the web site of your company computer system where I can obtain them and print the billing statements out myself PLEASE I BEG of you for the 100000 TIMES Since XX/XX/XXXX!!
You have CLOSED my account and NOT given me access to pay YOU for the OUTSTANDING AMOUNTS which you have SOLD off to another company for COLLECTIONS!! Your behavior is very bothersome to me as a citizen of the United States and I know for a fact that I have No Knowledge of any outstanding Debt that You Claim I owe YOU!! Beings that YOUR COMPANY XXXX XXXX XXXX HAS NEVER MAILED ME OUT ANY STATEMENTS TO MY MAILING ADDRESS .. JUST Recently, after your rep walking threw to gain access NOW YOU 'VE BLOCKED me from access the account on your web site!! ALL I HAVE BEEN TOLD IS THAT PAY ON LINE VIA ACH.. directly from my computer to your web site!! I am begging YOU XXXX XXXX XXXX to please give me the statements that you say you sent to me and my request of for ( COPIES of ALL STATEMENTS PLEASE from XX/XX/XXXX too XX/XX/XXXX PLEASE!!! Please send ALL statements as soon as possible and I will be more than happy to pay off what you claim I owe you ... .. NO WORRIES AT ALL!! Please Mail Me Proof of ALL Statements from XX/XX/XXXX too XX/XX/XXXX Thank You Kindly Respectfully : XXXX  cc : XXXX XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX cc : * XXXX XXXX XXXX XXXX XXXX MCM XXXX XXXX cc : MIDLAND FUNDING , LLC & MIDLAND CREDIT MANAGEMENT, INC cc : XXXX # XXXX MCM ACCOUNT # XXXX / Document Types Request : Chargeoffstatemnet cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX
I sold an item on  XXXX  and sent wit h USPS postal service with tracking number an also insured it for {$600.00}. Twelve days later buyer reported that they did not receive an item. Pay Pal immediately stole my  funds and gave it buyer. Pay Pal had tracking number and shipping history and still did n't refunded my funds.
On Thursday XXXX/XXXX/2016 I was traveling for work. There was a billing error at the hotel I was staying at and a hold was placed on my Chase account fro my business hotel stay. I addressed the charge w/ the hotel ( {$1000.00} ). The hotel immediately issued a credit and gave a confirmation/authorization number of XXXX. 

I then contacted Chase Bank to ask them to release the funds based on the reversal of the charge. Upon making the request the bank denied to remove the authorization stating that it will automatically fall off after XXXX5 business day turn-around. 

I had the confirmation number so I asked if that could be expedited. I was transferred to a second department and was privy to a " behind the scenes '' conversation as the XXXX reps talked about my account and situation unaware that I was conferenced in. 

While hearing the XXXX reps discuss the issue I overheard that this was not going to be approved because I did n't maintain a high enough average daily balance. This argument did n't play for XXXX reasons : XXXX. I had a representative from the hotel explain the situation and give the verification number for the charge reversal. This alone should have been enough for Chase to allow access to funds XXXX. I have a $ XXXX overdraft protection account with Chase so even if the funds were given and the charge still went through, they have offered protection for just such an event I spoke w/ too many employees to count and prob lost my cool once too many times, however today is XXXX and I just received a call from a manager named " XXXX '' who called for the express reason of telling me that my request could not be honored. I asked him again to explain and he cited " Government Regulations ''. I asked for what regulation he was referring too ( I am not aware of any regulation that keeps banks from allowing access to proven returned funds ) XXXX could not site any regulation and when asked to escalate the call he refused stating that there was no one else to talk too. 
I am sure that XXXX did have a manager and that XXXX manager could look at the situation and make an exception based on the entire situation. Instead the entire organization turned a blind eye to an account that had been cleaned out by error and a flat out refusal to assist even when the facts indicated no reason not too.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP HARASSING ME IMMEDIATELY!
First of allow us to make the declaration ; our home is paid in full with No Mortgages or Liens validated by County Records and Title Insurance ; but this Company, Altisource an affiliate of XXXX, broke into our home ; and changed the locks to a coded lock ; destroyed our front door ; and pantry door ; ripped up our carpet in the den and master bedroom, muddied the carpet on the stairs and upstairs ; and transferred our utilities to Altisource Name. We contacted the Police ; and the Police after reviewing the evidence ; and speaking with Altisource and XXXX Reps filed a Felony Charge of Theft by Conversion. XXXX XXXX, Altisource Ombudsman Customer Manager claimed that XXXX 's Attorney, XXXX XXXX was the culprit stating that the property was vacant ; but the yard was manicured and the utilities were on ; so he changed his story to state that was foreclosed on XXXX XXXX, 2017 ; this lie was also debunked. XXXX 's Ombudsman had no knowledge of any foreclosure and this was validated by his letter that stated " They are reviewing the issues raised that was submitted to the CFPB and would respond by XXXX XXXX, 2017. ( Ombudsman Letter attached ). The CFPB email stated, XXXX XXXX XXXX XXXX is reviewing the issues and are requiring 60 days to respond. ( CFPB Letter Attached ) Aside from the fact that we own our home outright and has never had an account with XXXX or Altisource ; and has NEVER paid Ocwen nor XXXX dime. We have no idea what Altisource is ; but know that XXXX is nothing but a Big, Fat, Criminal Collection Company for Mortgages that was sued and ordered to pay 2. XXXX XXXX Dollars and issued a Consent Order by the CFPB ; and has recently been sued again by the CFPB and 25 other states that also has banned them. Neither Ocwen nor XXXX are banks or Lenders yet they think that they can break into someone 's home ; change utilities and take possession ; NOT OUR HOME. Evidence has shown that the CFPB is investigating the Altisource- XXXX Relationship. ( Evidence Attached ) Evidence has shown that the SEC Subpoenaed XXXX over Altisource Associations. ( Evidence Attached ). Evidence has shown that Altisource paid XXXX XXXX to settle a Class Action over its XXXX 's relationship. ( Evidence Attached ). With all of the above ; and much, much, more ; how in the World are these Crooks still operating in America? As Veterans that defended this country ; someone is going to answer that question ; and Altisource is going to PAY to restore our home.
I've been fighting with USAA for close to a year now about some credit card accounts opened in my name, as a result of identity theft.

USAA continues to Deny my appeals, and says they have determied the charges were authorized.

When I first opened my USAA account back in like XX/XX/XXXX, I only ever had a checking account, I never had any type of credit card loan through them.

Then around XX/XX/XXXX or XX/XX/XXXX I stopped using USAA and started using my Credit Union, since there arent enough USAA branches in my area.

I was not using anything credit related, so never really had a reason to check my credit report, though I knew I've always had pretty good credit. 

Then last year I applied for an apartment lease, and was denied based on my credit rating. So Immediately I went online to see what was going on, and to check my credit score. 

It was then that I discovered roughly 20 or so different credit cards and loans all taken out in my name, and maxed out. of the ~20 cards, 2 or 3 were USAA , along with 2 personal loans from USAA as well. 

All these cards and account were all opened within 1 month of each other, yet I was never contacted for any kind of verification or validation of these applications. 

I've explained all this to USAA multiple times, and they have continued to deny my appeals, for reasons i have not been given. 

Of the ~20 cards I previously mentioned, just about all of the other banks have removed them off my credit report, the 1 major bank still causing me problems is USAA . 
XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
All of these banks cleared me with no questions asked, I never could have guessed that the 1 Problem bank would be USAA.