WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has been given identy theft of XXXX  credit card that is not mine * affects if score XXXX my XXXX XXXX credit cars reported stole * 56 credit hard inguires with names spelled wrong, evidence of XXXX not obtaining reports of Any bankruptcy of mine, investigated and removed.. XXXX   needs to remove all negative accounts on the things that are inaccurate, I paid mycar off+ cant get a payment late removed as it was paid off? Why??? 1 ) remove the late payment on the car* was closed and paid in full2 ) * I have 56 inguires only 2 mins ( XXXX XXXX - XXXX XXXX XXXX ) * Id theft w FTC , and All evidence sent 1 ) Id theft 2 ( documents of no backruptcy reported, 3 ) sims swap .. copy of my identy theft
I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are :  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 XXXX XXXX XXXX XXXX
AD ASTRA RECOVERY SERVICES, INC was collecting money on the behalf of XXXX XXXX. They turn this account over to XXXX, XXXX XXXX XXXX XXXX. The account has been paid in full ( {$2600.00} ) File # XXXX on XX/XX/2018. I have checked my XXXXn credit report and this company AD ASTRA RECOVERY SERVICES , INC name is on my credit report still reporting a balance of {$110.00} when it has clearly been satisfied. I have a letter from the above attorney office which states the debt has been satisfied. This incorrect reporting of inaccurate information need to be removed immediately from all three credit bureaus.
{$1500.00} XXXX XXXX billing sent to collections, while in talks with original billing company. When I first received a call from Wakefield attempting to collect on outstanding debt on which they added {$300.00} of interest to. After a couple of phone conversations with Wakefield, within the first month of the first contact with them, Wakefield asked that I send in a formal dispute with name, explanations, offered amounts, ect. I faxed the letter next day as well as certified mailed a copy to them, which they received two ( 2 ) days later. I never received one more phone call or mail correspondences since, and still have not to this date. 

Not until I had my credit report run was that it has been brought to my attention that I had a outstanding collections on my credit report from Wakefield, which has been active for 8 months, and is noted as under dispute. 

But Wakefield never responded to my dispute letter ( faxed & cert mailed ) nor have they ever contacted me again to collect. 

Note : I never said that I did n't owe anything, my insurance company first billed this as " IN-NETWORK '', showing I owed {$170.00} that was rejected by original medical billing company. then insurance billed at member rate for " Out-of-Network '' that was rejected. I did n't choose my anesthetist for my procedure, I did choose a IN-NETWORK doctor and Medical facility to have it done. I was firm in my dollar amount that I considered fair for the outstanding bill from the very beginning with both the original biller as well as Wakefield & Associates. 
Never was any document provided stating that Wakefield had the right to add interest to the amount, & XXXX response or follow-up regarding my dispute letter faxed/mailed. Then reported the debt to the credit bureau and has never made any contact attempts since disputed eight months ago.
I applied for a Citigold Checking Account on XXXX XXXX, XXXX with a promotional offer to receive XXXX upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I completed the requirements in XXXX, but never received my points, despite the the disclosure stating that I would receive the points within 90 days of fulfilling the requirements ( approximately XXXX ). I spoke to a Citi representative via the online chat on XXXX XXXX, XXXX who opened an investigation. However, this investigation still has not been completed as of XXXX XXXX, XXXX, and I 've had to pay an additional XXXX monthly fee. Messages from Citibank have confirmed that I have met the requirements but claim that I am not elegible, despite the offer being active on my account.
U.S Bank will not remove me from XXXX XXXX XXXX. I had a over drawn account with US Bank back in XXXX of 2017. The over drawn amount was removed from another account I had with US Bank and the negative balance was paid in full. In the amount of XXXX on XXXX XXXX 2017. Even after the account was paid in full they have not removed me from XXXX XXXX XXXX. I have tried on two separate occasions to set up new accounts with other banks and have been declined because Im still listed on XXXX XXXX XXXX  owing US Bank money. Ive called, sent emails. Got nothing but the run around and nothing accomplished.
I have never been modified and I have recently been declined again for a modification by CHASE. CHASE seems to be only looking at a HAMP modification. They 're hiding behind the government program to not offer me help. I told CHASE up front I understand I may not qualify for HAMP. XXXX of America do not. But trying to get a fair review for an investor modification has been difficult. CHASE 's modification department is very dysfunctional and does not seem to want to help me.
I received a call from XXXX and they left a message saying " Our office has been instructed to contact notified individual by the name of XXXX this notification will be defined as formal intent to contact you regards to receiving a statement of intent by named individual XXXX prior to filing in your county jurisdiction. A mandated response is requested from yourself directly at toll free number XXXX claim number XXXX toll free number again is XXXX. '' XXXX is my brother ; I am XXXX. I called back and informed them that I am not XXXX and that they do not have my permission to ever contact me regarding my brother or his business and that they must take my personal cell number off their list. To be clear, I have never co-signed anything for my brother. The person who answered became instantly belligerent ; told me to shut up multiple times, used abusive language/tone and, in the end, threatened that he would subpoena me to court in my brother 's county of residence ( he 's in XXXX, I am in XXXX ) as a character reference for whatever he is working on. The person I interested with was the most obnoxious and completely unprofessional individual I have ever been in touch with. It takes a lot to rattle me and this one ticked me off to the core. The name of the company was " The CCA '' or " The XXXX. '' I have added them to my block list, but still would like you to take action. NOTE : My brother is the veteran, I am not.
XXXX XXXX XXXX Mailing Address XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX Payment Processing XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX STATEMENTS XXXX XXXX DATE PAID XX/XX/XXXX extension XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00} XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XX/XX/XXXX. and XX/XX/XXXX ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX EXTENSION GIVEN!! ( 30 days late per XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX Per these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!!
Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made??
Per phone call these are the EXTENSIONS GIVEN : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX
Account Number : XXXX This account closed in XX/XX/2017. They continue to send me bills stating they will withdraw XXXX per month. I contacted the company and told them the account has been CLOSED and they should not deduct any payments. I filed a complaint with the CFPB and the company 's response was to cease all future deductions from my bank account. 

Today, I received a bill from Check into Cash again! 

Please contact this company and have them stop all charges.
The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) US BANK and resolved by the grantor ( s ) US BANK.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( us bank ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX.
We were required to take out Parent Plus loans because of the FAFSA, we were required to take out parent plus loans to supplement our sons education costs. We borrowed a total of {$21000.00} and the loan has grown by 50 % over the last 5-6 years to {$36000.00}. Even though we have made monthly payments for the last 4 years
After making written requests to the creditor known as Consumer Portfolio Services ( CPS ) to cease and desist their continued harassing telephone calls, I received yet another call from the representative named XXXX XXXX. She does n't seem to get it - cease and desist means DO NOT CALL. I reported the incident last Thursday and was assured the calls will cease, and then she calls again today. I will file suit under the FDCPA because nothing else seems to work. When I prevail, they can issue me a lien release immediately and cancel the debt, sending me a XXXX balance statement along with my title, since they do n't want to follow the law.
Trans Union is reporting the XXXX XXXX XXXX over payment as part of bankruptcy when it was paid off.
On XX/XX/18 We received documents from Box Home Loans cause we were working on an offer to refinance. When he sent the documents he disclosed the amount we were getting, interest, APR and cash in hand. XXXX XXXX did not disclose that we would have to pay XXXX if we decided to not go through with the proposed offer. I had my current mortgage loan carrier review it and she found there is a lock cancellation fee in the documents. She suggested I contact you guys because she has never heard of any company charging to not take their services and feels it is wrong. We decided to stay with XXXX because they offered us a better refinance deal. 
My current mortgage loan is through XXXX and the main person we go through is XXXX XXXX, XXXX. 
The other loan company we were talking to is XXXX XXXX phone number is XXXX, XXXX.
I sent a letter to this company dated : XX/XX/XXXX requesting debt validation the Fair Debt Collection Practices Act ( FDCPA ). I have not received any validation documents from this company to date. I wrote to them : To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation. 1. Complete payment history, the requirement of which has been established by XXXX V XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 3. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX XXXX, XXXX, XXXX WL XXXX ( XXXX, XX/XX/XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. The debtor must phrase their request clearly to obtain : The source of the debt and the amount a bad debt buyer paid for plaintiffs debt, how the moment sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on the defendant to collect a debt. 4. Intimate knowledge of the creation of the debt by you, the collection agency. None of this requested information has been sent to me. They did not send me any validation document.
REFER TO - ( cfpb complaint XXXX ) PROVIDE YOUR METHOD OF VERIFICATION VIA FCRA 611 ( a ) ( 6 ) and ( 7 )  within 15 days of said complaint. YOU HAVE NOT!, AND BECAUSE OF THIS YOU LEAVE ME NO OTHER OPTION THAN TO SUE FOR FCRA VIOLATIONS AND NEGLIGENT NON COMPLIANCE. 

ACOUNT- XXXX XXXX/XX/XX/XXXX XXXX, XXXX XXXX/XX/XX/XXXX XXXX, XXXX XXXX XXXX NONE OF THESE COMPANIES HAVE A CONTACT OTHER THAN PHYSICAL MAIL, YOU NEVER PROVIDED ME THE PROOF OF HOW EQUIFAX VERIFIED ANY INFORMATION WITH CREDITORS. 

ATTACHED IS A LAWSUIT I WILL BE FILLING SOON IF YOU DO NOT ADDRESS THIS ISSUE.
I was trying to pay Amex bill through XXXX XXXX  account app but the money went to anther Amex account which is not related to me my bank account was hacked first transaction was a payment of {$1300.00} on XX/XX/XXXX. Second one on XX/XX/XXXX payment of XXXX both transaction went to account no XXXX whit is not my account
I have a joint checking account with my husband at Trustmark Bank in XXXX. We have used this bank for many years and have never defaulted on the account in any way. After my debit card was denied on XXXX, I discovered that a large sum of money had been taken out of my account. After reporting this to the bank, it was discovered that a cash withdraw was made at a XXXX, XXXX branch. We have never used any XXXX bank, we never make large cash withdraws from checking. There were multiple red flags, yet the teller gave the individual our account number, our account available balance, and finally- all of our money was handed over to this toothless smiling thief. There is video of the person making the withdraw. I was told that the thief has a replica of my husband 's ID, with a different picture. I have trouble understanding this because my husband 's signature, height, birthdate, and race are all on his ID. This thief, whom was physically handed all of my money by my trusted bank, looks nothing like my husband. He is a different race, clearly the thief is older and taller. The signatures do not match. While I do feel that it is taking too long for my bank to refund my money and I want them to give me a better time line, I am satisfied that I will be reimbursed at some point. I can not believe that my bank let this happen, I have no trust in the security of the bank, their policies, or that this will not easily happen again. I want others to be aware of this situation. I want this to be investigated and for it to be explained how this is even possible. I question the intentions of the bank, and their employees. Clearly something huge is lacking in this organization that just simply hands over another 's hard earned money to a common thief so easily, with so many screaming red flags and no regard for their customers security or livlihood.
1.Wells Fargo has sent me several Pick A Pay Loan Disclosures for loan # XXXX XXXX XXXX and each one has a different hand print and different dates and different address stated for the same disclosures. The Pick A Pay Loan Disclosure WAS NEVER SIGNED more then once. This is fraud that needs to be addressed. 
2. I am faithfully addressing the issue by requesting Wells Fargo Home Mortgage to accept a Certified Affidavit for Forgery Signature from a Handwriting Exert. 
3. I am requesting the address of were I can send my Certified Affidavit for Forgery Signature and name. 
4.Wells Fargo Home Mortgage will send me copies of documents but when I ask for a exact answer about a document Wells Fargo Home Mortgage over many months will not answer my question or give vague answers. On the document Wells Fargo Home Mortgage sent called the " Note " dated XXXX XXXX, 2004. On this Note Document I do n't understand what the address of : XXXX XXXX XXXX, XXXX, CA. XXXX has to do with the Note that is supposed to be for address : XXXX XXXX XXXX XXXX. 
5. I am not getting the answers to my questions I am requesting the mailing address of the CEO of Wells Fargo Home Mortgage in order to correctly address my loan concerns. 
6. I am now requesting the direct contact number to the fraud department Wells Fargo Home Mortgage.
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred, and now I am consolidating what remains on student loan obligations so that I can finish up my XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!
In XX/XX/XXXX Navient began misapplying my overpayments. I began receiving notices that my account was past due. When I logged on to the website I showed a {$0.00} balance. I called the company inXX/XX/XXXX they told me they needed to contact another department but the problem would be resolved. In XX/XX/XXXX I made another overpayment. TheXX/XX/XXXX balance due for several accounts was {$0.00}. I made a payment for XX/XX/XXXX, including a payment on the {$0.00} accounts to avoid past due notices. In XX/XX/XXXX the website again showed {$0.00} balance. I made a payment, including a large overpayment. A few days later I checked my balances online and saw three or four of the loans were past due. On XX/XX/XXXX I sent an email to Navient. I called on XX/XX/XXXX a representative " reset '' the due date counter. This eliminated the past due balance. I was told if I want to make an overpayment I need to make two separate payments. This is annoying, but fine, I will do this. However, my most recent statement, received onXX/XX/XXXXnow shows a due date of XX/XX/XXXX My loan due date was advanced one month when the representative on XX/XX/XXXX reset the counters.

I have called and emailed to resolve these problems. I am accruing extra interest because Navient can not properly apply my payments. This is frustrating and I want my account corrected. I would like to be able to make overpayments so I can try to pay more on my loans but Navient is making it nearly impossible. If they have it their way I will be paying these loans until I die.
There is an inquiry that just reported which was never authorized nor do I owe any apartment debt. I 'm requesting this be removed XX/XX/2017 Inquiry Creditor Type : Other Collection Agencies AlertDate:XX/XX/2017 Creditor Name : HUNTER WARFIELD INC Creditor Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor Phone : ( XXXX ) XXXX
I was born XX/XX/XXXX the hospital bills are from XX/XX/XXXX. When I called and told them I was a minor at the time and I could not be held responsible, they told me to write a letter to them disclosing my mother name and address and telephone. I was XXXX years old XX/XX/XXXX. There is no way I could of signed for anything legally at that age.
Equifax XXXX XXXX XXXX XXXX, GA XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 

The following inquiries were not done on my behalf : Credit Inquire Disputes 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 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 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 XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX Account Dispute XXXX OTHER/ MEDICAL {$1100.00} XXXX/XXXX/XXXX