WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of Identity theft and I have sent countless letters to Afni and XXXX XXXX XXXX. 

Both of the collections agencies are listed on my credit and are currently coming after me for a fraudulent account with XXXX XXXX XXXX. I have NEVER been contacted by XXXX XXXX XXXX but that is who they both claim the debt is owed to according to my credit. 

Afni sent me a notice dated XXXX XXXX, 2015 not trying to validate the debt but to make a settlement offer, however, the account was already on my credit and has been on my credit since XXXX 2015. I have never received a notice from XXXX XXXX XXXX they just placed the account on my credit.
I have an account with Capital One and have never been late or missed a payment. For a while I had been making the minimum payment due and I applied for a credit line increase last year and was turned down because I was only making the minimum payment due even though I had never been late or missed a payment. XX/XX/XXXX I stopped using the account so I would not be at the maximum limited and increased my payment from XXXX XXXX to XXXX. On or around XX/XX/XXXX I applied again for an increase and was denied again, this time because my average payment has been to low. I feel like they are not treating me fairly because I am a XXXX veteran and a XXXX. I have in good faith done everything that is legally required of me and I am seeking your assistance.
AR Resources Inc is attempting to collect a debt which has already been paid. The original creditor,  XXXX XXXX, accepted payment of XXXX XX/XX/16 from my insurance provider. The account was previously listed on my XXXX  credit file as a collection under XXXX  XXXX XXXX XXXX, whom I paid {$120.00} ( amount XXXX deemed liable ) in XX/XX/2016. The collection was subsequently removed from my credit file in or around XX/XX/2016. 

The same charge is now appearing on my credit report, under a different collection agency despite the fact the original creditor was paid and notified to contact my insurance provider for any additional funds or information. In short, the creditor has already been paid and is attempting to get paid again. 

I also want to note that AR Resources is still listed as a collection on my XXXX credit report, despite the fact XXXX  removed it after completing the investigation referenced above.
Ability Recovery Services agent XXXX XXXX was rude when spoke to me regarding a debt. I was not aware of the debt and asked her to indicate that as my response. She told me she would write " I refused to pay ''. I then asked her to speak to a supervisor and she told me she would not transfer me to a supervisor to tell them the same thing I told her. I attempted to call the company back in hopes of getting someone else but I kept getting her. Each time she would hang up on me. I have filed a complaint with the XXXX hoping to have them cease communication with me but they continue.
TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern XXXX XXXXXXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).  You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Equifax continuously and willfully is violating the Fair Credit Reporting Act and has caused MAJOR willful financial harm. 
They repeatedly have been notified of an erroneous tax lien reporting on my credit file and they refuse to follow the Fair Credit Reporting Act. All their compliance department and their legal department do is simply use their XXXX system to verify information without actually doing their due diligence and actually investigate. 

Additionally, on XXXX/XXXX/2016, after they knew they were erroneously reporting a tax lien belonging to someone else with the similar name, I still proceeded to file another investigation by phone on XXXX/XXXX/2016. The confirmation number of this transaction is # XXXX. I requested for the erroneous tax lien to be yet again reinvestigated. We are now XXXX XXXX, 2016 and Equifax has YET TO FURNISH RESULTS. They had by law 30 calendar days to furnish results and they have failed and yet the erroneous tax lien still is on my credit report. 
Additionally, so I can consistently and continuously catch Equifax, I purposely filed an ADDITIONAL investigation online on XXXX/XXXX/2016 with confirmation number XXXX, although the first investigation which commenced on XXXX/XXXX/16 was not complete and still showing on my credit report. In this second investigation, they again have passed their allotted time of 30 days to furnish results of the investigation. 

As of XXXX XXXX, 2016, they are over 100 days and counting of my first request for an investigation with still no results and also over 15 days on my 2nd and last request. Again, a complete and deliberate violation of the Fair Credit Reporting Act. 

Additionally, on XXXX XXXX, 2016, I furnish all info to both the XXXX and XXXX State Attorney 's offices so they can conduct their own investigation. On XXXX XXXX, 2016, I hired a private law firm out of XXXX who is giving Equifax 10 additional days before filing both state and a federal suit against them for willful financial harm. 

Sadly, I can not fathom a company like Equifax continuously violating the law. They are getting to the point of being worse than XXXX XXXX and yet they seem to escape any serious consequence. 

I simply do not want yet " ANOTHER INVESTIGATION '' or wait " ANOTHER HOUR '' of their complete lack of responsibility and their complete violation of the Fair Credit Reporting Act. 

They need to now remove and delete this erroneous tax lien immediately without question. If they do not, they will be answering specifically to my attorney and law firm I have hired after they have been sued in both federal and state law. 

XXXX XXXX XXXX
You've paid off -28 % of your collection amount. 
Balance {$1500.00} Highest Balance {$1200.00} Opened XX/XX/XXXX ( 3 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer  disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX - {$150.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off -27 % of your collection amount. 
Balance {$150.00} Highest Balance {$120.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX XXXX
Response from SETERUS to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number. 
Summary judgment was not granted and there is a counter suit against SETERUS for filing a fraudulent complaint. 
SETERUS is in possession of a fraudulent Note. Their Note is missing my Social Security number. 

XXXX never lawfully filed foreclosure are in violation of TILA, FDCPA, FCRA. 
They are guilty of mortgage fraud, fraudulent misrepresentation, identity theft, forgery of my signature, harassment and invasion of privacy. 

XXXX XXXX XXXX was sued by the FED 's for deficiencies with these same documents used in this case. So these documents should have never be used in another foreclosure. You are next SETERUS and this time I pray someone goes to jail. 

SETERUS must Stop opening accounts and taking out loans in my name without my knowledge and consent. They are guilty of identity theft. 

XXXX XXXX XXXX your name will be added to the lawsuit for perpetuating the fraud. You are not the boss of me so do not tell me what to do. You speak to your attorney. In litigation is not an answer and has nothing to do with reporting SETERUS for debt fraud. 

SETERUS have no credibility and they owe me now for stealing my identity and other fraudulent activities. So SETERUS should Pay up or shut up! 

See attached documents for further details
XXXX  My third time calling requested to have my card limit closed. They refused said the only option is to lower my limit. Representative never got me to a supervisor after requesting multiple times to apes know to a supervisor. I will never use this card interest rate is too high I 'm a senior citizen and fear risk. Please have them close this credit limit. The representative told me several times my credit card is closed and my balance is  XXXX  but refused to close credit limit
I pulled my XXXX credit report today, and noticed that Credit Karma had been doing many "soft" pulls recently. This seemed odd, since I don't have a Credit Karma account. I tried to open an account, but was told that I "already have an account", but under a different e-mail address. The address they have on file is . XXXX XXXX is my ex-husband, from whom I was divorced back in 2012. (This is not at all the first instance of identity-theft my son and I have encountered, sad to say.)

I have contacted Credit Karma about this identity-theft and fraud, but it's too soon to have heard back yet.
Dear Sir or Madam, Bayview loan servicing is dual tracking my client 's house into foreclosure while a loan modification application was pending.
This is a new issues with Citibank N.A. and I have sent the ethics department copies of the promises made by Home Depot to credit the credit care for the purchase for what was done to me on XX/XX/2018 by the delivery employee that damaged my existing dryer making the washer delivery I bought from Home Depot. This was after the issues of HOME DEPOT Charging me the wrong applaince never delivered, locking me out of the credit card account and not given me the full credit. The combined issues is why HOME Depot in writing promised to credit me XXXX to the credit card, send me a check for XXXX and later some e-card. I sent this to Citibank N.A. ethics but they are ignoring it not the issues with the first complaint. I was in tears when the was done to me on XX/XX/2018 and called HOME DEPOT CORPORATE OFFICE AND CALLED UPDATING THE ftc and cfpb. Ms. XXXX made the promises in various emails, the written document and phone voice messages. Later, I found out reading emails that lead me to look outside at night and found they sent me a ups mailer with personal information thrown over the fence in the dirty by the neighbors over the locked gate.
XX/XX/XXXX I applied for Loss Mitigation Assistance through my Servicer Chase which is supposed to be provided to me under the terms of the numerous Settlement Agreements Chase has made with the United States government over their wrong doing in the XX/XX/XXXX financial collapse.I also know that I am qualified under the terms the government set forth for Chase. For a year now I have been told I am qualified for assistance but have been delayed by Chase without any written or verbal reason. I have been asked to submit numerous documents several times, duplicate, triplicate and more. On this final attempt to settle my account after Chase approved loss mitigation for my account Chase does n't seem to know how to receive or may contact with the investor on my mortgage which is absurd. I have been waiting for 10 days to close this file out with Chase and they ca n't or wo n't make a decision. As the servicer they must have the authority to make final decisions on my loan in a time specific manner as they agreed to this in their court settlements with the government
No fraud protection via XXXX despite the fact that it's offered through your bank! 

I used XXXX to purchase concert tickets however I never received the tickets. The amount was {$400.00} and was sent to XXXX ( XXXX XXXX ) via XXXX. 

I contacted XXXX to cancel the transfer only to find out that it's not possible and they can't do anything to recover my money.
Today, XX/XX/XXXX, 2018 I called our mortgage servicer, Select Portfolio Servicing at XXXX this morning and spoke XXXX minutes to a XXXX XXXX about the XXXX XXXX XXXX XXXX since we have a XXXX loan with them. 

I asked about the {$10000.00} reduction and how we could get it. I was advised we did not qualify and asked why and could I also get it in writing and was told we could not. 

I would also like to know why we have no equity in our home as we have been making monthly payments and there is hardly anything going to principle, all is going to interest, Current Balances Principal {$190000.00} Escrow {$750.00} Late Charges {$0.00} Total Fees {$0.00} Year-To-Date Balances View Last Year 's taxes and interest paid Principal Paid {$95.00} Interest Paid {$820.00} Taxes Paid {$0.00} Hazard Insurance Paid {$130.00}
I have tried calling XXXX, Experian, and XXXX explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing it.
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : Designed Receivables Acct # XXXX Bal : {$380.00} Designed Receivables Acct # XXXX Bal : {$1700.00} XXXX XXXX XXXX XXXX No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}
I tried to buy a chair from this man off of XXXX but the chair was never send after I had already paid and he has blocked me from all contact
A deposit was made to my new RushCard by a friend. When I tried to access the funds I could not. Then I heard about the problems RushCard was having so waited several weeks. She made another deposit to my card. I still could not get the money off. Then, the original deposit amount disappeared. While attempting to deal with RushCard on that matter, the second deposit was transfered to another card by Customer Service. I emailed customer service just to be told I needed to call. I have called, been on hold for over XXXX hour just to be told they could not help me. To email. I have mailed, emailed and called. Everyone says to contact the other ( mail said nothing, email says call, call says email. See attached documents. Final straw today. See # XXXX attached. Thanks for any help you can give me!!
I used the site - XXXX. After providing all the info, it stated that I already received my free credit report. However, I never have received one nor requested one.. **I got a letter from XXXX XXXX telling me the * Notice of Data Breach* so I was ordering my XXXX of XXXX free credit reports. ****Please check into this immediately. I did not order one before. Could this be connected to the fraud? ****thanks, **XXXX XXXX I tried calling the telephone line but no answer and i tried to submit the above problem and it would not accept my info - it stated that there is an error??????
I sent off dispute letters to XXXX, XXXX, and Transunion on XX/XX/2018.I did get results back, however, there are still things on my report that do not belong to me they are still reporting! This is effecting my life and I need them to send original signiture pages from each debt collection company that claims I owe them. Also, they are violating the FRCA regulations by reporting items they are not suppose to with out proof of verification. I also need them to delete all addresses except XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Best, XXXX XXXX XXXX XXXX
XXXX HAS LISTED COLLECTIONS {$1000.00}. XXXX PAID XXXX IN XXXX XXXX. I HAVE NEVER RECEIVED ANY INFORMATION REGARDING THIS ACCOUNT. I PULLED XXXX  AND CLAIMS FROM XXXX WEBSITE AND THE XXXX CLAIMS WERE PAID AT 100 % IN XXXX.
This time it is a company called " First Recovery ''. 

I keep getting repeated calls. My wife and my work are also being called. I 'd like a cease and desist from these people, they have been hounding me for almost a year, and every time XXXX ends, a different company starts calling. I do not want or wish to be contacted by anyone unsolicited by telephone, especially when they are threatening court summons and wage garnishment without prior notice or explaining what they are talking about. Please help make this stop once and for all.
We were in an auto accident and did not have insurance. XXXX contacted us on behalf of their insured and said they were going to fix the car and bill us for his repairs. His car only had a broken headlight, so we agreed with XXXX billing us. They sent our information to a third party without letting us know and now we are being charged {$2900.00} Wilber and associates contacted us regarding this debt and would not work with making payment plans. When I said we did n't have money to make $ 300 monthly payments, they stated that was n't their problem. They threatened to suspend our driver license and we are willing to pay, but that seems excessive for a broken headlight. They wo n't hear us out to make payment plans less than {$100.00}, wilber and associates staff is very rude..
Credit bureau is reporting inaccurate information to credit file, I have no accounts or contract with creditors. In addition unauthorized inquiries were listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXAcct # XXXX XXXX-Acct # XXXX I have asked for proof of Id of person who open the accounts as well as other identifiable information
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported  and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements
Regarding complaint # XXXX, Ditech 's answer is quite misleading. The payments were submitted as their customer service rep advised. Later, the story changed and electronic payments are now the problem. Which is correct? XXXX never addressed the question of whether my information was sent to another customer, just as another customer 's information was sent to me. I would hope in this day and age, they would be more careful with private information but they sent me another customers papers twice. I would like a written statement from them that my information was never revealed to another customer. Thank you for finally getting to the truth and getting them to admit they changed their platform. I was told several times there were no changes made.
On XX/XX/2018, I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, Equifax, XXXX   and XXXX. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. XXXX  was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.