WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my Chexsystems report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX DATE : XX/XX/2015
This complaint was filed back in XXXX XXXX, spoke with the " Consumer Advocates Office '' @ Navient about getting the interest rate lowered on a student loan that I co-signed on for my son ( 11 % ). I was put on an interest only payment plan for what I thought would be a short term period as it turns out it was for FOUR ( 4 ) years, numerous calls to Navient to be removed from this program fall on deaf ears. I enlisted the help of XXXX XXXX office and that did little good. I have submitted financial statements to Navient back in XXXX of XXXX in an effort to get the interest rate reduced on this loan, that got no where, have tried to refinance this loan and got no where. Their billing statements show minimum payment due and if you read the fine print you 'll notice that the accrued interest for the month is XXXX - XXXX dollars more than the minimum payment. This is deceptive in its very nature, credit card companies do n't operate in this fashion why should Navient?. In short they are nothing more than a loan shark operation, not asking for a hand out asking for some help to pay these people off. I have reached full retirement age, my son is unemployed with XXXX children and even being employed he is under employed ( wages ).
I sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from XXXX, EQUIFAX, XXXX have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of XXXX XXXX XXXX XXXX.
On XXXX XXXX 2017 I received a confirmation from Equifax stating the XXXX XXXX account I had been disputing was removed from my credit, after recently reviewing my credit file, Equifax has readied this account without sending a reinsertion letter which is against FCRA. 

Equifax Confirmation # XXXX XXXX XXXX,2017
I 've tried to apply for a loan and was denied. Then i tried to obtain my credit report to see why, and Transunion failed to supply me XXXX. They said that they need more information from me. Such as driver license, bank or credit union statement, cancelled check etc ... I 've sent them another letter stating that first of all they are a privately held company no different XXXX, and they are in business of selling my private and financial information for profit and i do not wish to supply them with any more information than my name, ssn number, address, and signature. Even that did not help they still sent me a generic document asking for more information. If i were to go on their website and buy it, i would not be required to supply any of that information and they would be happy to supply me with that report but for money. They are denying me of my right to my report.
I received a letter from a 3rd party debt collector who was attempting to collect a debt of XXXX. on or around XX/XX/XXXX. I wrote a response and mailed it XX/XX/XXXX certified mail asking for more information about the debt before further collection attempt be made. the letter from the debt collector showed the last date a payment was made on this account was on XX/XX/XXXX. In Washington state the Statute of limitations to collect is 6 years per ( RCW XXXX ) I stated in my letter if in fact this debt was mine it would be to old to collect by law. The Debt collector didn't provide any information that I requested via my response letter sent certified mail, and in turn sold the junk debt to another collection agency. this should be a direct violation of the law per FDCPA. Thank you for reading my complaint.
I took out a loan back in    XX/XX/XXXX    with  XXXX   XXXX  to attend classes for my  XXXX   XXXX  at  XXXX .  In  XX/XX/XXXX  I  had a baby and gained a Military fiance ' so needed to put school off due to not able to juggle, baby, working full time and Military man. I called in to  XXXX   XXXX  around   XX/XX/XXXX  to figure out what to do with my loans. I was told I need to pay ov er 1,000 a  month on my loans until paid in full. I advised  XXXX   XXXX  there is no way I can afford this being a single mother with   XXXX   kids. The only option they had for me was to put my loans in forbearance until I could afford the payments. Well my loans pretty much sat there until I had no forbearance left as I never have been able to affo rd over 1000 a mo nth. I received a phone call from Navient who took over my loans from  XXXX   XXXX  stating I was past due. My forbearance had run out. I found out about a lawsuit at this time that allows you to go on a monthly payment based on your pay, the income driven repayment plan. After a lot of headaches and back and forth with Navient, I finally got my payments down to  XXXX  a month. In   XX/XX/XXXX , my year was up and needed to resubmit my proof of income. Since once child turn ed  XXXX  and my pay went up a tad, I now am being told I have to pay  XXXX  a month. I asked if there was anything else I can do because I want to pay, just ca n't afford  XXXX  a month. I feel this loan has continued to grow as it is from the amount I originally took out, I ca n't afford much and the loan is never going away. I feel I was forced into forbearance and find I may have and still may qualify for some kind of assistance.
My XXXX report states that I have an account in collections with Midwest Recovery Systems LLC for XXXX XXXX for an open date of XXXX XXXX XXXX for the amount of {$710.00}. 

When the item first showed up on my credit report I disputed with the collection company. When I received no response I then sent an email to XXXX XXXX. Again, no response. I most recently had spoken to an XXXX member in XXXX of this year about the account because I had at this point been filing for a loan with XXXX XXXX which couldnt be approved because, for some reason XXXX couldnt give me, I could not file a direct dispute with them online and I was told all of the information XXXX has for my file is outdated. I have been trying to get in touch with someone from that end to update my file. Even after going through their rigorous game of 60 questions and proving my identity. 

I have never had an account with XXXX XXXX. 

I had never received any letters from them nor from Midwest Recovery about any supposed debt. 

And I most certainly did not receive any notice that any such debt would be placed on my credit file. 

I want this gone. I do have genuine debts that do belong to me and that is bad enough as it is.
On or about XX/XX/XXXX I wrote certified letters petitioning XXXX, XXXX and Transunion about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXXto the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.
Ive initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous. 

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
I recently applied for and was approved for the American Express XXXX card. Shortly after my XXXX purchase, my card was declined to a fraud alert. American Express refused to resolve the issue over the phone and required me to obtain a notarized document from a bank and fax this to them. They deemed that it was not acceptable to have the document notarized by a non-bank entity, and it was also not acceptable to submit the documentation via another form of communication ( postal mail, e-mail, etc ). They refused to refund me for the expenses I incurred to comply with their request. They also refused to refund a portion of the annual fee as I requested due to the fact that I was unable to fully use the card for a significant amount of time ( over one month ). It was not disclosed in the marketing materials that I reviewed when applying for the card that I would need to incur these expenses to keep the card active.
I applied for my free credit report via annualcreditreport.com, as I do every year. I have been unable to get an online version from Equifax since XX/XX/XXXX. ( XXXX and XXXX have no problem with my online report. ) In XX/XX/XXXX, I sent in my written request and had to follow up two more times before I received it. 
In XX/XX/XXXX, I sent in my written request and had to follow up once again before I received it. 
In XX/XX/XXXX, Equifax would not even let me get to the identity-verification questions online, and I was told to send in a written request. ( I was about to travel for work and was not able to send it in. ) Now, in XX/XX/XXXX, Equifax again will not give me online access, and I again look forward to the hassle of requesting it through the mail. 

I have not changed addresses, I have not changed my name, and I login from home. There is no reason for me to have such additional hassle to get Equifax to comply with my request. It seems they want to make it as difficult as possible, in hopes of discouraging users from getting their files, and I suspect they are attempting to avoid their legal requirement to send consumers their reports. Thank you.
After 5 years of trying to obtain a modification from my lender, BSI Financial Services, I was granted one in XX/XX/XXXX. My 1st payment was due on XX/XX/XXXX with a 10 day grace period. I sent my payment in the form of money orders, certified mail, on XX/XX/XXXX. On XX/XX/XXXX, I called my loss mitigation specialist, XXXX XXXX to confirm the receipt of payment. She did not answer, so I left a message and sent an email. I called again on XX/XX/XXXX and XXXX XXXX answered. I asked if my payment had been received. She said no. I told her that I sent the payment certified mail and the post office told me that the payment had reached its destination. I also told her that I called XXXX XXXX to see if the money orders had been cashed. They hadnt. I informed her that I had taken pictures of the money orders after I filled them out, before I mailed them. She asked me to email her the picture. I did. She confirmed receipt of the email. I called and emailed almost everyday for the remainder of that month asking if the payment had been received. On XX/XX/XXXX, I called BSI to make my second payment over the phone using my debit card. My call was answered by XXXX ext : XXXX in XXXX PA. He told me that he could not accept my payment because there was a code on my account that needed to be removed by my loss mitigation specialists. I asked to be transferred to my specialist, but XXXX XXXX was not available. I left her a message letting her know that I was having issues with their system and to please advise me as to what I should do. Over the next week I called 5 times, but was unable to reach XXXX XXXX. Finally, on XX/XX/XXXX I was able to reach XXXX XXXX and she told me that BSI would not accept my second payment because my first payment had not yet been received which meant it was late and I had defaulted on my agreement. She said the agreement was now null and void and BSI would reinstate foreclosure proceedings. I told her that my payment not being received was not my fault and that I had sent it certified mail. She said they hadnt received it yet, and the matter was out of her hands. Later that month, when I received my next billing statement it reflected that my payment had been received and applied to my balance. I have been trying since XX/XX/XXXX to obtain another modification, but BSI has been completely uncooperative. BSI has been trying ever since to foreclose on my home, to the point that I have had to file for bankruptcy protection. I am currently in Bankruptcy. I am not asking for special treatment, I simply want the modification I was promised and worked so hard to obtain so that I may keep my home.
The credit card company Discover card, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a service member, and deploy often. I have called and talk with numerous people. However, they will not remove. I was deployed from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XXXX and will not remove, due to an error on their part.
XXXX XXXX listed multiple 30 day late payments on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, XXXX, and Transunion. Please remove the 30 day late payments from my credit reports.
My wife and I opened a consumer credit account with Home Depot/Citibank in XX/XX/XXXX to finance the purchase of a new roof. We were informed at the time that the financing would be at 0 % interest for XXXX months and if we paid the balance in full prior to the end of the XXXX months we would not pay any interest. When we received our XX/XX/XXXX statement we realized that the 0 % financing was scheduled to expire in XX/XX/XXXX after only XXXX months and at that point we would be charged interest retroactively. We contacted customer service and were informed that they would extend the 0 % financing for the full XXXX months. When we received our XX/XX/XXXX statement we observed that the 0 % interest had expired and that interest had been applied retroactively raising our monthly payment from approximately {$100.00} per month to approximately $ XXXX monthly. We again contacted customer service and were told to make our originally scheduled payment and that the 0 % financing would be applied retroactively. In XX/XX/XXXX I began receiving collection phone calls and when I viewed the statement online I realized the 0 % financing had still not been applied. I contacted customer service and was informed by XXXX in Escalations that the 0 % financing had not been applied because there was an error in the original account notation in XXXX. They said they would apply the 0 % financing retroactively again as soon as I made the account up to date and paid a past due {$210.00}. I informed them that this was unacceptable as the account was already up to date per the original 0 % financing offer and that I would not pay {$210.00} in interest due to their error. They said that the amount would be applied retroactively to the principal as soon as the account was up to date. I have no faith in that promise based upon the interactions over the previous XXXX months.
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!
I had a car accident on XX/XX/2017. I took a leased car on XX/XX/2017 from the XXXX of XXXX XXXX. The loan was pre-approved from XXXX XXXX XXXX, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.
Speedy Cash Was reported on XXXX2014 the merchants stated it was a online loan and I have no known knowledge of.
After 20 years of perfect credit with Citibank, they switched me to a paperless account without my permission, resulting in hundreds of dollars in late charges and fees ( and a dip in my XXXX score from XXXX to XXXX ).
XX/XX/2018, unpermissible provisions in pulling my credit It is your responsibility to ensure your permissible purpose in accordance to the fair credit reporting act before reviewing a consumers credit
CHASE CREDIT CARD 'S FAILED TO DISCHARGE ACCOUNT THAT WAS PART OF A SCAM AND FRAUD INDUCED WIRE TRANSFERS FROM CHASEXXXX XXXX XXXXXXXX AND XXXX. 

IN XXXX CHASE TRYING TO COVER UP DECIDED TO DISCHARGE DEBT AND SENT ME A 1099-C ( CANCELLATION OF DEBT IN AMOUNT OF {$29000.00}. WHEN I DISPUTED THE ENTIRE MATTER AGAIN COVER UP AND IN XXXX ISSUED ANOTHER 1099-C WHICH Cused a problem with the IRS IN XXXX AND WHERE THEY DETERMINED OUR I.D THEFT FRAUD FROM XXXX. FINALLY, XXXX IS BLOCKING ALL CHASE ACCOUNT SINCE XXXX. 

THESE ACTS ARE ALL VIOLATION OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
i have been getting calls from Midland Credit Management. i have blocked many many numbers from them. They keep calling from different numbers and leave no messages. they call almost every day. it is really starting to become bothersome. this has been going on for way too long.
I have contacted American Revenue Management on 5 separate occasions about an unknown entry they have placed on my credit. 
I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the account belong to me.
On XXXX XXXX, 2016 XX/XX/XXXX XXXX XXXX opened up an account for XXXX dollars in my name. This is an error because I never opened up an account with XXXX XXXX. I would like for this to be removed because it is having a negative impact on my credit score.
I open an accouny with dillards onXXXXXXXX made a payment on XXXX and they still send me a bill with a late fee. Saying i paid my bill too early. The penalized me for paying early.
XXXX has continued to harass me at my place of employment, even after several times of me asking them to stop calling my work They are trying to collect on a XXXX mortgage that was taken care of with Bank of America back in 2010 In conversations with them I have asked them to send me documentation on the debt, they have yet verified the debt, The calls and the lack of corporation is out of control they call my place of employment from several different numbers, I can provide you with a few if needed
I was checking my credit report and found that there was a civil claim that does not belong to me. When I contacted Experian they said that I had to file a dispute which would take up to 30 days. I decided to back track and found that the debt belong to my dad ( we have the same name, he 's XXXX And I 'm XXXX XXXX. I called Experian and told them that I contacted the original company which is XXXX and when I gave XXXX my ssn # they was no account linked to me when I gave my fathers ssn # the debt was linked to him. Then I contacted the debt collector XXXX XXXX XXXX and gave them the same info my ssn # was not linked but my fathers was. When I contacted Experian they said I need to send them proof I told them that neither company would send me a letter stating this was not my account. I went to XXXX XXXX they said they could n't either as they have nothing to do with the credit. I contacted XXXX and XXXX and they also said there was no public record on their report. I have spoken with different people from Experian and I keep getting mis lead information. The first one said to dispute. Then another said the computer was down but if I had the ssn # to call back and they would be able to run it and if nothing shows up they could clear it, when I called back the other person said he did n't know why they said that cause they ca n't do that it has to be disputed. I do n't understand why Experian can not run my ssn # when I was able to trace it back to my father with my ssn # and have those companies tell me that they have no account with me. I do n't know why it 's difficult. Why ca n't Experian call the debt collector to get the right ssn # that it 's associated with as like I did. By having this on my report it 's messing everything up I have talked to the companies and I do n't know why Experian can not call them to see if the ssn # linked to this debt is not me. I do n't know how they can just go based off the name as I 'm sure there 's other people out there that have the same name like me and my father. It 's very frustrating just knowing it 's not me and they want proof and all I can provide them with is that I contacted the companies and they say it 's not me yet they can not do that.