WillisBack/dataset-financial-user-claim huggingface dataset:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. During a further investigation of these accounts, they are the same accounts, brought and sold, reopened and reporting twice. Theyve be on my account for several years, having taken out some loans while attending XXXX XXXX University I new Id have some student loan debt after I lost my athletic scholarship, but none to this magnitude. They are set to be remove in the fall of XXXX, so Ive been suffering from this long enough, Ive at the point in my life where my credit is important, I have a family and secure employment, Ive paid close attention to my credit reports and have found numerous errors and fraudulent activity stemming from XXXX until now. A previous dispute for the consolidated account and total for this listed below has already been removed, switch should be more than enough proof of the fraudulency and inaccuracies. Several hard inquires were made under my name which could have stemmed from a relative of mine, who has had my information since I was living with him while in high school and he claimed me as a dependent on his taxes, hes denies any wrong doing, my information was also breach in the Equifax leak as well, and Ive lost a wallet with several of my personal information such as ID, BANK CARD, and my original SSN was in there.
I have been disputing with XXXX XXXX for over a year. Ive filed disputes with XXXX, XXXX, Transunion and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with Transunion and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, Transunion and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX  and Transunion and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.
I disputed an account on my Experian credit report XXXX XXXX over a year ago. I disputed that the payment history wasn't being reported correctly because there was a few months missing that wasn't reported being paid. Experian said the account was verified so the account remained the same. I was comparing my XXXX  and Experian report on my XXXX XXXX account and i notice that Experian is showing that this account was Charged Off but XXXX  has this account showing as Paid Charge off. So when i saw this inaccuracy i decided to dispute this with Experian on line but Experian wont let me dispute this account again when i try i get the following message. " For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. '' so when i call the number i just get put on hold for over an hour. Then i get hung up on. So today im asking Experian to let me start a new dispute investigation with XXXX XXXX. I also have proof verifying this inaccuracy.
Existing complaint ( Submitted to the CFPB on 2016XXXX ) : I have about $ 250k in student loans. I contacted XXXX XXXX and XXXX, and I was able to get the loans placed in forbearance as I transitioned between careers. With all of the bills flying at me, it was my understanding that I had personally secured my loans and assured that nothing would default. However, Navient Student Loan Services failed to contact me by any means until I received a call one day from a 3rd party. I was unaware of the loans being sold to them, and had never heard of the company. By this point the loan was 96 days past due. After 30 minutes or so on the phone, I was able to work out a delayed forbearance plan XXXX-XXXX. They stated that three months had already past, so they could only do a retroactive forbearance for the XXXX-XXXX timeframe since I was already behind during those months. Confused? Yeah, me too. However, I went to look at my credit statement a week after working out this forbearance, and Navient had the audacity to hit my credit report with 4 90-day late fees. When I confronted them about it, they stated that there was nothing they could do about it except reconsider once I sent a letter explaining my circumstances. I 'm sending the letter, but I suspect I 'm not saddled with a deplorable credit score due to circumstances largely outside of my control. <P/>Submitting 4 90-day late reports to credit bureaus and refusing to address the issue by taking some responsibility is unfair and unnecessary punishment.
Unable to access online accounts for balances or to transfer money this XXXX around XXXX. 

Went in person to bank to get a check from account with greater than {$24000.00} in it and they were unable to access any if my account information. I tried to get a check for {$6500.00} for my contractor but the manager stated that she could only give me a check for up to {$750.00}. This is unacceptable. I can hit access any of my money. I also can not pay any of my bills including transferring money from my Wells Fargo checking to my Wells Fargo mortgage.

I returned to the same branch this afternoon and the employees stated that their systems were still down and they were unable to give me a time estimate for when their systems would be up and running again.

When I returned home I tried calling Wells Fargo and would have to wait in excess of 60 minutes to speak to a person. 

Unacceptable.
Wells Fargo does not show the customer the statement balance owed without interest on their main online user interface.
On approximatelyXX/XX/XXXXa loan was taken out with Myloansite for {$820.00}. Payments were to be submitted from my bank account every two weeks on payday until the loan was paid back. The first payment of {$240.00} was completed on my next registered pay day of XX/XX/XXXX with 19 payments of {$240.00} to be made every two weeks consecutively until the loan was paid in full. The total amount paid would be {$4900.00}. This loan has become difficult to pay back due to the high interest rate and fees. 

Upon further review I discovered that the practice of Tribal loan companies dispersing loans consisting of interest rates above state legal limits are considered illegal. In the state of Michigan where I reside, the rates Myloansite applies to their loans ( annual percentage of 664.97 % ) do not meet state requirements .This was not explained to me prior before I accepted the loan. I am now fully aware that legally I am not obligated to pay this loan back. However I do intend on and wish to pay back only the principal amount of the loan, but not the interest and fees. I willingly borrowed {$820.00} and will pay it back via payment plan, minus the {$240.00} I have already paid, for a total of {$570.00} I have reached out to a loan consolidation agency to help me coordinate this as well, and to show in good faith the rest of the loan principal amount will be paid back. 
At this time I also request that all communications Cease and Desist in regards to this debt. This is a notice that any phone calls from employees or registered agents of Myloansite to my place of employment, home phone, and references are to stop. My schedule makes it impossible to be available to receive phone calls during normal business hours. Be advised that any phone calls received in regards to this debt, will be recorded and by doing so after receiving this letter will be considered an acknowledgment of their agreement to being recorded. 

Thank you, XXXX XXXX
The amount of {$430.00} was transferred on XX/XX/2018 through my wellsfargo account to a friend who enrolled in XXXX but her bank is XXXX so she never received the money. I opened a claim with XXXX to have my money refunded so I could send it to her in another way but they state that the transaction has been completed and will not refund my money that I have to go through XXXX. At this time XXXX is referring me back to my bank. It's becoming a nuisance that they keep " pointing the finger '' to one another and I still have {$430.00} deducted from my account that my friend hasn't received. She did end up adding her phone number and email address to a XXXX XXXX XXXXXXXX account and it still hasn't been sent to either one of her accounts.
My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees
I called XXXX on Friday and disputed several hard recent inquiries that i did not apply for anything. They gave me a co formation number of XXXX RE : Request Investigation of Credit Inquiry on My Behalf XXXX confirmation # XXXX Inquiries listed are : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX   listed twice 4 ) XXXX 5 ) XXXX 6 ) XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX listed twice 10 ) XXXX XXXX 11 ) XXXX XXXX listed twice 12 ) XXXX XXXX XXXX Dear Sir or Maam, I  recently conducted a review of my credit report, and I noticed that should be showing on my report. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter.
In XX/XX/XXXX, my husband and I filed for bankruptcy. We submitted all our debts to include my private student loan from XXXX XXXX. Our bankruptcy was discharged in XX/XX/XXXX. I  started paying my federal student loan and thought my private student loan was with the payment of my federal student loan. XX/XX/XXXX, I receive a call from a collection agency stating I owe a student loan and I should start paying. I informed the person, I had filed bankruptcy and the student loan was included and I have been paying what I owe on student loans. I requests the document the collection agency was referring on the student loan. I never received any letters or information for the collection agency. Late XXXX, my credit report shows I am in collections with XXXX XXXX XXXX XXXX XXXX ( PBCM ) for the student loan for XXXX XXXX. I called XXXX XXXX and the representative tried to find my student loan account. XXXX had acquired XXXX in bankruptcy and should have my student loan documents. XXXX has no record of my student loan. Then I call PBCM and spoke with XXXX XXXX and told her my student loan was part of the bankruptcy. She agreed to close the collection on XX/XX/XXXX and returned the collection to XXXX XXXX XXXX. I spoke with XXXX XXXX ( XXXX, XXXX ) to inform her my student loan was part of the bankruptcy and I had not paid anything on this loan since early XX/XX/XXXX. After completing some research, XXXX calls me back to say I still owe the loan since I never had an adversary hearing regarding the private student loan. I was being sent back to collection at PBCM. XXXX XXXX and I spoke again, I request the promissary note and supporting documentation that PBCM actually was allowed to collection the loan. I have not received any document and XXXX demanded that as soon as I receive the documents, I would immediately have to pay the entire balance of the private student loan of over {$14000.00}. I told XXXX I am not employed, I am an uncontrolled type XXXX XXXX  and my employment opportunities are very limited. I would be consulting an attorney regarding the private student loan. I have talked with 2 different attorneys and I recieved conflicting information. 

Has the statute of liminations for the state of North Carolina on non-payment of debt been met? I have not paid on this loan since XX/XX/XXXX and have a collection agency demand payment after more than 5 years seems unreasonable.
In XXXX the XXXX XXXX XXXX XXXX Office of Finance sent to me a notice claiming that I owed a business tax on income generated in XXXX and XXXX. This is impossible, as I was involved in a tax-exempt activity ( creative writing ) recognized by the XXXX of XXXX XXXX as a tax-exempt activity. I also qualified for the small business exemption, though I never had a business. Furthermore, I was exempt in that I never generated enough income to qualify for the business tax. Since this time, the XXXX of XXXX XXXX has sent this erroneous debt to several debt collection companies, all of whom have been unable to verify the debt, and have dropped it. Yet the collection companies keep coming after me. Municipal Services Bureau ( MSB ) viciously harassed me and tried to force payment on this erroneous debt back in XXXX XXXX. After addressing the matter with my attorney they dropped the debt. Now they are coming after me again. They have sent to me a bill from the XXXX of XXXX XXXX and claimed that this is verification. An erroneous bill is not verification of a debt. There is no debt. To state it clearly, NO TAX WAS EVER OWED, AS I QUALIFIED FOR XXXX DISTINCT EXEMPTIONS. Collecting on this debt is an act of fraud, negligence and incompetence on the part of collectors and the XXXX XXXX XXXX XXXX Office of Finance. Municipal Services Bureau is engaging in debt collection harassment. I strongly suggest that the FTC investigate MSB and the XXXX XXXX XXXX XXXX Office of Finance. I will never pay this erroneous debt.
On XX/XX/2018, Exeter Fin. pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX  and Exeter Fin. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
The last XXXX months I have had issue with Statebridge Company, XXXX receiving my mortgage payment in a timely fashion. Once I even sent it XXXX day priority mail and it did not show up until the XX/XX/XXXX. This month I sent it with enough time to be received and to date they have not processed the payment. I believe they are trying to gain late fees on my account along with the others that I see in the list of complaints against them. They told me they can not guess what the post office will do but going from XXXX to XXXX CO should not take 9 days. I believe they are sitting on payments and only processing them when someone calls them to complain. This is not good customer service and I can tell you that they do not care. I know this based on the last conversation that I had with the young lady. She said why did you not mail it on the first, I stated I had to wait on my payday and she said well you need to give XXXX business days for us to receive it so if I get paid on the XX/XX/XXXX and mail on the XX/XX/XXXX then I will be late because XXXX business days is around the XX/XX/XXXX of the month. That is not an acceptable answer and surely they have enough people to process the loans that they have purchased from other financial institutions. I tried for a week to contact them to set up ACH and could not even reach a customer service XXXX Now I want to refinance and know the value of my home is not in a position that I can do that. So frustrating to deal with incompetence and them to tell you its the postal service does not work for me.
XXXX XXXX at XXXX XXXX called me and told me that I was going to have a warrant for my arrest if I did n't make a payment on a debt from 5 years ago. They were attempting to get XXXX in total. I blindly sent XXXX dollars to these con-artist.
I have sent this company police reports, FTC affidavit, I have called them repeatedly and they never fix the problem. I have been talk to you rudely, I have been hung up on, I have been told it is never going to come off my credit report unless I pay. I've been called a liar. This company is ruining my credit and they need to remove what they have on my credit report because it is identity theft and I have proven it to them time and time again
Chase Mortgage company charged my account double and has not worked with me to get the money back to me in a timely manner.
transunion and XXXX  has not tried to fix my issues even after the police report and idtheft letter cra violation taking more than 30 days to fix the security breach that equifax has cause me to lose time from work also my life with credit issues
Back in XXXX 2012, my home with Greentree Loan Servicing was burned to the ground and a police report was filed. Greentree was supposed to come repossess the mobile home and took forever to do so. My mortgage was behind a few months and there was forced place insurance on the home for quite sometime. The insurance was not expired at the time of the fire, but Greentree would not acknowledge that the home had insurance. So instead of the company paying off the home with the insurance that had already been paid by them, they in return continued to lie that the home was not insured and has since kept this property on my credit report as a debt.
I keep getting threatening calls regarding a debt from XXXX. They called my place of work and left a message on my phone saying they were going to garnish my wagers and take me to court if I did n't call them right away. The message was left for my manager but I actually got the message. They 've also been harassing my family members. I do n't know where they got my information from but I want them to stop harassing me. The name that was given on the message for me to contact was XXXX XXXX but when I called back and asked for this person they did n't exist. I was given a case number of XXXX. I asked what company they were and what this was about. I was told the company name was MAC and they were calling regarding a pay day loan debt that I owed. She said I owed {$450.00} to some company called XXXX XXXX from 2011. I explained to the lady that I never took out a pay day loan with this company. I ask what was the official name and address of the company and she would not give it to me. She just started yelling at me as to why I wo n't pay my debt. She wanted me to give her my social security number so that she could verify that this was my debt and when I would n't give it to her she just became more irate. I told her to take what ever action they felt necessary and I would deal with them in court. She hung up the phone on me. This company has been harassing me for a month now. Calling me from several different numbers. 30 minutes after that call I received a call from a XXXX XXXX from XXXX XXXX XXXX regarding the same thing but now the pay day company name and the amount has changed. Total scammers.
On XX/XX/XXXX, I made a purchase online to XXXX XXXX using my husband 's debit card. Within 5 minutes, I cancelled the transaction with XXXX XXXX. I received an email from XXXX XXXX advising the order was cancelled. I called Key Bank same day and was advised the hold for {$690.00} would be released on XX/XX/XXXX. This did not happen. I called Key Bank on XX/XX/XXXX and was advised the hold would be released on XXXX. This did not happen. I called Key Bank on XXXX and was told the hold would be released on XXXX. In addition, I was advised that I should go ahead and file a dispute if the hold was not released on XXXX. I went ahead and filed the dispute. The hold was not released on XXXX. I called Key Bank back again on XXXX. I spoke to a Supervisor XXXX, Employee # XXXX. She told me nothing could happen because it was a Sunday and to call back on Monday to the same customer service number. Then, I could be transferred to the dispute department to have the hold released. I called Key Bank on Monday XXXX XXXX. I spoke to a representative who told me the fastest way to get this hold released was to do a 3-way call with XXXX XXXX, Key Bank and myself. So I did a 3-way call. I spoke to a Supervisor XXXX and after over 1 hour, XXXX XXXX had provided all of the authorization information proving the transaction was cancelled on there end. I was told by Supervisor XXXX that he personally went in and released the hold. I looked at my account later on XXXX to notice the hold was not released. I called Key Bank again and spoke to Supervisor XXXX again. She told me there is nothing else she can do. I may have to wait up to 10 business days for this to be released. This is not acceptable. I demanded she contact the dispute department, as she had advised me on Sunday, to have the hold released. XXXX came back on the line to advise the hold will be released today XXXX or tomorrow XXXX. This is not acceptable. Key Bank has held on to my money for 5 days now. I then contact the Key Bank Consumer Relations Department and spoke to XXXX. She took my complaint and advised someone would contact me in 24-48 hours. So, now at XXXX EST on Monday, XX/XX/XXXX, I STILL do not have my {$690.00} put back in my account.
I have contacted ChexSystems on a number of different occasions about the inaccuracy of an account that they are reposting in my credit file ( XXXX XXXX ). They have done nothing to try and help me resolve this issue except tell me to reach out to the back in which I did and spoke with a rep name XXXX who had no idea what account I was speaking of and said that he is unable to help me but he would forward my complaint over to his chairman. I am very frustrated with this issue as it has stopped me from being able to open a bank account
On XX/XX/XXXX I spoke with XXXX # XXXX of Loan Care and she made me aware that Loan Care had not credited one of three payments made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX since loan service transferred from XXXX XXXX. 
I have since sent 3-4 letters with attached letters signed by my banks managers showing that that the payments due were sent on time through that banks XXXX XXXX XXXX billpay system to LoanCare. In XX/XX/XXXX I took a deferment offered to Florida hurricane victims and did not pay in XX/XX/XXXX. I made up that payment with 2 payments in the first week of XX/XX/XXXX. The attached documents support all of this and that my payments should be current in LoanCare 's system. 
In speaking with LoanCare reps on the phone their attitude seems to be that I have to figure out what they did with the payment that was made but they claim was not received. 
LoanCare has continuously dunned me with multiple demands for payments and late fees and also calls practically everyday. I have been forced to ignore the calls and letters and just make my payments on time otherwise. I need an accurate accounting from LoanCare, reversal of inappropriate fees and charges and credit repair due to their false claims and inaccurate reports to credit agencies. Thank you for whatever you can do. This appears at bottom to be an attempt to force me into foreclosure as a way of stealing equity that i have accumulated.
Experian keeps reducing my score by XXXX points due to a late payment and I have no recent late payments I have to spend an hour on the phone once a week to get them to correct they keep doing this because I am disputing an item that they should was late almost 2 years ago
They mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.