WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. 

Thank you, XXXX/XXXX/XXXX
American Education Services has given me false information, charging me more than what is due, their website is not updated or organized, each representative gives students different information. Due to all of their fraudulent practices and false information, I have had multiple loans default now. I have tried working with them, I make payments because they tell me I have no options whatsoever even though I am in XXXX school and do not have a job. They have destroyed my credit and made my life miserable.
In  XXXX   2017 , I se nt Midland Funding a letter requesting validation of a debt. Per FCRA, they have 30 days to respond to my request. Midland Funding did not respond. I mailed a copy of the letter that I sent to Midland Funding, along with a copy of the return receipt, to  XXXX  asking them to delete the negative account because the collection agency DID NOT respond to my request by sending validation of the debt.. Two days ago, I received a new copy of my credit report from  XXXX  saying the debt was verified. Verified and validation are two different things. Secondly ;   XXXX    ignored the fact that I informed them that Midland Funding violated the FCRA law that required them to respond to me within 30 days. After such violation, the credit bureau is required to delete the debt. The credit bureau is required by law to have substantial validation of the debt in their possession as well. At this point ; Midland Funding and   XXXX   are viola ting the law.
I AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL 3 CREDIT BUREAUS. THERE ARE 23 INQUIRIES ON MY XXXX CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN XXXX XXXX NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A RE INVESTIGATION FOR THE REMOVAL OF ALL 23 INQUIRIES OFF MY CREDIT REPORT FROM XXXX AND 26 FROM XXXX AND EXPERIAN. I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone : ( XXXX ) XXXX Date opened : XX/XX/2016 Balance {$410.00} I did not receive anything in writing which explained who the debt is with/cause of debt and rights to dispute.
I have several accounts on my Experian personal credit report that are not mine and I have asked them to verify those accounts which they claim they have done and will not remove them. The problem is because my name has the " II '' at the end and I believe someone with a similar name is having accounts show up on my credit report. Many of the accounts do not have the " II '' at the end of my name and the address does not match. I have sent them my drivers license, utility bills, social security card, etc and they still claim that the information is accurate.
I have sent certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018 to LVNV Funding LLC asking them to provide me with data to prove that this is my account. I have no knowledge of this account and have tried expressing that to LVNV Funding LLC, but they continue to call me about 15 times a day. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State License and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so, they must remove this account. LVNV Funding LLC bears the Burden Of Proof and the information they continue to send me does not provide evidence of the claims they have made against me. This is not my account, please delete this account. Thank You
Equifax is reporting a fraudulent account on my credit report. I submitted an identity theft report to Identitytheft.com and with the XXXX police department. I was a victim of identity theft. Equifax did not investigate the matter or respond to my inquiries. They continue to report this fraudulent account on my report.
After disputing a medical collection with the credit bureaus I requested VALIDATION of the alleged debt. The collection agency sent me what they call verification which is a computerized generic bill. I looked up the address of the hospital and I do not ever recall going there for anything. I would like validation not verification as anyone can draw up a bill and say I owe it. This debt is not mine.
I am writing now in wish to receive your help. Presently I am working on reviewing my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important role in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Regardless if a paycheck that 's a direct deposit every XXXX weeks like clockwork or if I deposit funds via the ATM early in the morning, even if the funds show pending in the account, if any transactions come into the account the same day, regardless if that 's the first time they are showing up, Wellsfargo will charge a {$35.00} overdraft fee for every item. 
I emphasize the funds show pending in the account long before any other items present, so Wellsfargo is deliberately changing the presentation of the items in order to get away with charging fees. 
On XX/XX/2016 my aunt 's account was already overdrafted by {$500.00} and I deposited {$1000.00} early that morning, long before the bank was even open for the day to cover that and any incoming transactions. Wellsfargo went ahead and charged an additional XXXX {$35.00} totaling {$140.00} during the day because new items presented to the account long after the deposit was made before the bank opened. 
Wellsfargo seems to do this every single time there is extra money in the account and if you call them at best maybe you 'll get half the fees refunded even if they promise you to refund all the fees. They claim they are not rearranging the presentation of the items, but they 've done the exact same thing on my own checking account. My paycheck is direct deposited every XXXX weeks, Friday morning after XXXX am, but if I happen to not have enough funds in my account and an item presents, guaranteed I will get a {$35.00} nsf fee. It 's guaranteed funds that you can set your watch to and it will show pending in the account, but Wellsfargo will still charge fees to steal as much of my money as they can get their greedy hands on.
Dear Sir. I received a letter on XXXX XXXX, 2015 from the XXXX Bank finding inaccurate information in my credit report, as furnished by Equifax. Advised by the Bank in writing, I have tried to contact Equifax online, by phone as well as by mail. It is now about 10 days, I have not been able to talk to them on the phone as well as by mail.
my XXXX debit card ending in XXXX, cvv # XXXX, exp XX/XX/XXXX had an unauthorized charge/deduction from my checking account/debit card on XX/XX/XXXX at XXXX XXXX   est. I was in the city of XXXX, Illinois simply visiting on my way back to new York a few days later. However, when I pulled up my accounting ledger from XXXX XXXX/XXXX XXXX it clearly showed the reason that my account balance is not balanced ; the balance is off by $ XXXX {$150.00} than what it should be. In other words, my current balance should be about {$150.00} higher than what it is currently showing with the monies missing, which I did not charge nor authorize that deduction, either. That unauthorized charge from my XXXX debit card ending in XXXX, cvv # XXXX, exp XXXX is from merchant : XXXX, XXXX, XXXX, CA, PURCHASE, {$99.00} ( XXXX XXXX DOLLARS AND XXXX XXXX CENTS ). I DID NOT AUTHORIZE THAT CHARGE AND DID NOT MAKE THAT CHARGE MYSELF EITHER!! I simply want those stolen monies from my XXXX debit card returned back to me because I AM ON XXXX VIA U.S. SOCIAL SECURITY ADMINISTRATION IN XXXX D.C. AND I RECEIVE MY XXXX ONCE PER MONTH DEPOSITED TO MY XXXX DEBIT CARD. THE FIXED INCOME I RECEIVE IS ALL I HAVE TO LIVE ON TO SURVIVE. I LIVE IN POVERTY AND AM A TRANSIENT. I CAN NOT AFFORD TO HAVE SCOUNDRELS STEALING FROM ME! THE NUMBER FOR U.S. SOCIAL SECURITY ADMINISTRATION IS XXXX. I HAVE ATTEMPTED TO CALL THEM BUT WAS UNABLE TO FOR TODAY. I WILL TRY AGAIN TOMORROW. HOWEVER, I SIMPLY WANT THOSE MONIES PUT BACK ON MY CARD. MY XXXX IS A DEBIT CARD ; IT IS NOT A CREDIT CARD!!!! THIS IS THE RESPONSE I RECEIVED FROM XXXX : Thank you for your inquiry. XXXX does not issue credit or payment cards. Please contact the issuing bank at the toll free number on the back of your card in order to resolve this issue. Please also note that we have removed your card number and CVV code in order to further protect your identity and payment card. 




Investor Relations XXXX XXXX XXXX XXXX XXXX, NY XXXX tel XXXX ... I SIMPLY WANT THE IDENTITY THIEVES PROSECUTED AND BLOCK THEIR ACCESS TO MISUSE MY BANKING DATA AND PERSONAL INFO. THANKS. XX/XX/XXXX
XXXX XXXX  XXXX amount is XXXX and does not belong to me.
XXXX services was sold my 2nd mortgage account from XXXX mortgages. I filed bankruptcy and it was discharged in 2009 with XXXX. XXXX services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX
I need my accounts audited because my impounds are incorrect, and I think my money is being stolen by this company. the company leaves during the business hours when they are supposed to be available for any borrower that needs any help or has any questions. I spoke to a gentleman XX/XX/XXXX in which he said he would call me back with more info. he called me XX/XX/XXXX and updated me slightly, he said he would be contacting me XX/XX/XXXX ( TODAY ) with an answer. I never received a call, so when I called in and spoke to a woman. she said that he was not in today and that he did not work yesterday ( XX/XX/XXXX ). So at that point I was completely fed up and confused so I resorted to calling in and filing a complaint with your company. They gave me an appraisal on my home that I have had for 2 years. They told me it is worth less than what I bought it for. They will not remove my mortgage insurance which is why I wanted my appraisal done to have a higher amount go to my principal instead of interest
I've requested several time with XXXX XXXX my servicer a mortgage modification based on my XXXX income. XXXX XXXX has been unwilling to reduce my house payment and has been very difficult to work with. I don't want to loose my home to foreclosure. 

XXXX XXXX refused to provide details on a repayment plan that was recently offered and they were also going to make a {$50000.00} Private mortgage insurance claim. My new mortgage payment was going to remain the same and I my mortgage payment was increased including my escrows being short.
On XX/XX/2017 DCI responded to my dispute for validation. Based on the information they provided, per law this does not serve as a proper validation. A billing statement is NOT validation! Regardless to their claims to not have ever received a dispute from me is irrelevant to the fact that DCI has not provided proper validation as requested.
They call my cell phone, my house phone, and my wife 's cell phone repeatedly about XXXX times per day. They are calling about a supposed bad check that I wrote to a payday loan agency that I 've never been too, and I 've checked with my bank and there was no bad checks written. I called them and spoke with the representative that is handling my supposed account, and asked him to stop calling me and my wife. The phone calls continue, and I need them to stop harrassing me and my wife for this apparent debt that I do not owe. He also told me that a judge is going to sign off on the debt and will garnish my wages at XXXX %. I work for a payday loan agency and I know this is false. I need them to stop calling and harrassing me and my wife.
On or about XX/XX/2015, my ex-husband stole my identity and purchased a vehicle in my name without my authorization. When I first learned about the theft it was through an alert from my credit monitoring service. I immediately filed a police report documenting the theft. At the time I was unaware of how my information was stolen or who stole it. I have tried to have this information removed from my file by way of disputing with XXXX ; however, the creditor, Suntrust Bank, continues to place this debt on me despite sufficient proof of fraud/identity theft. Early this year I received an legal affidavit from a person who identified themselves as XXXX XXXX. In the affidavit she admitted to conspiring with my ex-husband to use my identity to purchase a vehicle in my name without my consent. Upon receiving this notice I immediately went back to the originating police department and filed an updated police report. I also contacted XXXX to put them on notice to have the information removed from my credit. After waiting two months XXXX stated Suntrust alleges the information is accurate. This information is not accurate. My identity was stolen by my husband during our divorce process. He used my identity to open several financial accounts in my name as well as file taxes. He used an address in which I've never lived. I have provided documentation of this and have filed a motion in court to have a judge rule in the matter as a result of the supporting documentation I've have. I also would like to point out that XXXX has sufficient information regarding the matter as well to ensure this fraudulent information does not continue to report falsely on my credit file.
This is a complaint against the American Express,. The following inquiry were not authorized by me, Never having given my permission for them to inquire about my credit status, they are unauthorized by me.

1 ) AMEX DATE : XX/XX/2018.
Wells Fargo sold my mortgage without me and my wife knowing it, I never received a servicing transfer notice, I began receiving letters from lawyers stating my home was up for foreclosure with XXXX XXXX XXXX, this is how we found out that our loan was transfered, I began seeking counsel, my home until today is up for foreclosure, My lawyer have petitioned sheriff sales and now found out that XXXX sold my home in a sheriff sale back to Wells Fargo, after it was petitioned but still was sending me foreclosure notices after the suppose to be sale date after I have been making several attempts to petition the sheriff sale, we spent several thousands of dollars paying lawyers. Wells fargo have not given us a chance to do a modification they are not out to help the lender, it has been 5 years and now they are telling me it is to late to save my home when I did not even know they sold it..unbelievable
I paid my mortgage at Loancare with an early payoff on XX/XX/2018. I received a letter dated XX/XX/2018 acknowledging the payoff. After not receiving information from my courthouse about the satisfaction of the lien, I called Loancare on XX/XX/2018. I was told by the servicing agent that it had only been 103 days and then was put on hold then disconnected. I called my clerk of court in my county and they had not received the paperwork. I called Loancare back getting several different servicing agents, being put on hold and then being disconnected. I called again asking for a supervisor. I then learned that Loancare had mailed my release/information to the wrong courthouse with the wrong address in another county on the other side of the state thus putting my and my deceased husband 's information at risk for fraud or whatever. I asked the supervisor to send my information to my courthouse via XXXX, even giving him the correct XXXX physical mailing address and the XXXX XXXX XXXX. XXXX mailing address. I said to not send information via XXXX to the physical address as it would not get to them. I have been calling my courthouse and still they have not received the information. I called Loancare again on XX/XX/2018 and threaten to file a claim with this bureau. I was put in contact with upper management. I had to tell my story again for the umpteenth time. I was assured that everything would be taken care of right a way. I was sent a letter dated XX/XX/2018 via Loancare 's social support website stating that they mailed the information to the physical address but not saying what service that they used nor a tracking number. I have called my courthouse again today XX/XX/2018 and they have still not received any release documents. I have left a message with my contact from upper management requesting a tracking number for sending the documents. I have been more than patient. I am dealing with XXXX XXXX and the death of my husband from XXXX. I always paid my loan on time with an early payoff. Additionally, a few years ago Loancare neglected to pay my home insurance thus letting it lapse with no explanation. I had to pay it and take over my own escrow account for taxes and insurance.
Equifax has had a major security breach that may effect the confidentiality and security of my personal information. I have filed a 90-day fraud alert inquiry but I still feel violated that my information can be accessed this easily due to a company 's mistake.
I suffered a severe hardship, I have been XXXX since XX/XX/XXXX. I finally had a hearing for my social security XXXX benefits on XX/XX/XXXX, which the judge approved my case. I contacted my mortgage company the same week and spoke to XXXX and informed him that I had been approved however, I would not receive my approval letter for up to XXXX days per Social Security Administration. XXXX informed me that as long as I keep the lines of communication open I should be ok. I have told the mortgage company almost every month that I have been waiting on Social Security. I fell behind and did not pay XXXX or XXXX payment. I received a letter from First Merit Bank dated XX/XX/XXXX stating that I was in breach of contract and that I need to pay XXXX, XXXX, XXXX and XXXX in order to not face foreclosure. I paid {$800.00} last week and {$1800.00} today XX/XX/XXXX. That is the total due minus XXXX payment. I have been informed of my contract that I signed by many collections agents but when I informed them that I am not yet obligated to pay XXXX payment they keep threatening me because I have not yet paid for XXXX. At this time I feel they are doing something illegal due to the fact that my contract states that my payment is due on the XXXX of each month and not a day before, however, they are trying to squeeze another payment in advance from me and have stated that they will not apply any of the money I have paid to my mortgage, setting me up to be foreclosed on. I have shown good faith by making the past due payment and I just want the threats and harassment to stop. I have health issues and certainly not trying to avoid making a payment. I do have children and XXXX at First Merit uses many threats as I have spoken to her a couple of times. I have asked to speak to XXXX and the team lead refused. I asked XXXX at the bank to give me the total due today minus the XXXX payment and he refused and I called back to speak to XXXX who gave me the amount and yet again he advised me that I am still in breach despite me paying XXXX, XXXX, XXXX mortgage payments and all fees except the XXXX payment. I have applied for modification on XXXX occasions this year and was denied both times due to the amount of income. I have been proactive in contacting the mortgage company however have been received with snide comments and sarcasm. I understand they are in collections but I am reaching out to them and they are rude and callous. The team lead, was the very worst and he was the most rude. First Merit Bank have very limited number of branches in XXXX XXXX, they do not have an online payment system, they are only open Monday-Friday until XXXX thus making it very difficult to make convenient payments or have any questions answered. I have tried to reason with the bank to no avail. I am more than willing to make all payments that I am obligated to make, but I am looking for some reprieve because I am doing the very best that I can and will continue to make the payments and get completely caught up once I start receiving regular payments from the Social Security Administration.
XXXX XXXX XXXX XXXX reported on my Credit report ( see Experian report attached ) and it does not belong to me. I requested a thorough fraud investigation by Experian and they changed the status of payment as " Paid '' but I want it removed from my report. Also, " Your Statement '' section is incorrect.
I have struggled with nationwide since I became a member and it starts from not being able to use the bill pay service or the external transfer service with no explanation. A work order was created and never did I hear a response or is the issue fixed. My issue now is that on XXXX, 2018 I deposited a check for {$500.00} this check came from the state of Colorado a government check with a phone number on it that reached directly to the department that issued the check, my name and address on the check matched the name address on my nationwide account but yet nationwide was unable to verify the check it must of been the day all the monkey 's were running the office or something. Anyways the state of Colorado check the as flagged for some reason, just because everyone XXXX XXXX here doesn't mean were all out bouncing checks. So my account was restricted and for a consumer who has one bank and puts all their money into the bank locking someones account has a greater affect then I think the cows in loss control realize. They requested a cleared copy of the check which on a check from a personal account is fairly easy it's however hard when its the state of Colorado but I fought and got it for them. Even a CSR said that was weird for a government check they would request that so my account has now been locked for 3 daysbI couldn't by my dog food and ive called in 20 times and it was escalated due to the importance of this situation and they have yet to lift the restriction
Equifax is seriously messing up on verifying the information on my report. I just learned that XXXX XXXX XXXX and XXXX are still on my account, XXXX items that have been removed on other credit reports because there was fradulent activity, yet Equifax claims to have found the magical proof others can not. I have also been in contact with XXXX companies who told me they are doing their own investigation and those investigations are incomplete or they did not send me any results. Equifax is continually violating my rights and the law under the FCRA by not taking investigations seriously and I doubt they are investigating anything at all.
It was on XX/XX/2009 I take a student loan to go back to school the school closed by the board education .this my responsible to pay the loan. In my request as many times explain to Depted Nelnet to help me resolved his situation. And keep going up in credit reporting. 
Please wanted help.