WillisBack/dataset-financial-user-claim huggingface dataset:
I was the victim of identity theft in XX/XX/2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX 's help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred XXXX 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX account, and XXXX 30 day lates on my XXXX. I have been working with these XXXX creditors and Experian but they do not seem to fully appreciate the issue. I do n't feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agency. When I speak to the credit reporting agency, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identity theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.
My late father was my emergency contact. He is now deceased, his name is XXXX XXXX. His social security number is XXXX. XXXX XXXX once lived with my late father. XXXX XXXX stole my drivers license, with the help of XXXX XXXX. My home was broken into in XX/XX/XXXX, this is the year I learned I was a victim of identity theft. I 've been retaliated against every since. The FBI told me it 's an inside job. My check books was stolen from the home, lab tops, mother board after my computer was hacked into and all of my files was taken. My date of birth have been changed with all three credit agencies. All of my former employers have been changed with all three credit agencies. All of my former addresses have been changed with all three credit agencies. XXXX XXXX and the entire XXXX XXXX is involved with organized crime and they need to be stopped. I began using my maiden name before I knew it was my entire family members. XXXX XXXX XXXX XXXX have also been abusing my identity. They violated my protection under the wage earner courts. They 've gotten property in my name while I was under wage earner, cars, bank cards, etc. I filed a XXXX XXXX law sue in XX/XX/XXXX. My XXXX was prepared by both parties without my knowledge. The case number is XXXX. Honorable XXXX XXXX was the Judge over the case. I have a few check numbers. I also have checking account numbers. XXXX XXXX XXXX. Check numbers XXXX - $ XXXX- $ XXXX $ XXXX $ XXXX,XXXX- $ XXXX {$30.00}. XXXX XXXX XXXX XXXX XXXX account number XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ein number is XXXX. I was employed with the company twenty-two years. From XX/XX/XXXX-XX/XX/XXXX. Please see my drivers license with my name XXXX XXXX XXXX. There maybe accounts set up with new banks that I am not aware of. I no longer have a account any where. I do n't have an income, because of the theft of my identity. I ca n't get XXXX from social security. Anything I apply for using my social security number it 's taken from me. Health care insurance, etc.
After several years of being an excellent Citi Double Cash cardholder with zero late or missed payments, Citi closed my account on  XXXX   XXXX ,  2017. The y did not provide warning or notice and I was not given any explanation as to why they closed my account. At the time of closure, I had an accumulation of {$7300.00} in unredeemed cash rewards. The earned amount was confirmed by Citi on my  XXXX   XXXX ,    2017 sta tement and through their phone system on  XXXX   XXXX ,  2017 ( se e attached transcript of phone call, also recorded on an audio file ). However, when I subsequently attempted to redeem the rewards, they claimed that my cash rewards would be forfeited since the account was closed.     Citis withholding of my earned rewards is a blatant breach of our covenant of good faith. I earned the {$7300.00} in rewards according to the rules outlined in their marketing and promotion campaign . Citi  engaged in widespread media marketing campaigns to promo te Citi Double Cash. T he reward card was promoted as having cash rewards that never expire. Howeve r, Citi is now  claiming that the cash rewards are forfeited if the account is closed. In other words , if Citi decides  they dont want to pay an accrued liability, they can simply close the account for no reason. This can not possibly be lawful in the letter nor spirit of contract law.     My credit card account was terminated, even though my account had never been in default and I never missed a monthly payme nt. Citi stripped me of rewards cash that I had earned, without any form of compensation. This is clearly a situation where Citi is tryi ng to avoid paying a liability they owe.
I noticed inaccurate information on credit report about a Public Record and a collection for XXXX XXXX XXXX. TransUnion was notified on several occasions about the inaccuracies on credit report. It was supposedly investigated but I never received any results from said investigations. After call and getting no resolve I sent a certified letter asking for validation and verification of investigation along with an updated credit report. It has been over thirty days and I have not received anything.
On XXXX XXXX, XXXX, I enrolled my son in a mixed martial arts program and signed a billing agreement with XXXX to make monthly payments until XXXX XXXX, XXXX. 
Roughly two months into the program, my son decided he did n't like the instructor nor the classes and stopped attending XXXX. I spoke with XXXX and they refused to let me out of the contract, so I continued paying the monthly fee ( a total of over {$1000.00} ) even though my son was not taking the classes anymore. 
In XXXX XXXX, XXXX went to the doctor for an unrelated injury, and the doctor ordered him not to participate in any physical activity until after XXXX XXXX of that year. Realizing that we now met the cancellation terms of the XXXX contract, I immediately notified XXXX and XXXX of the doctor 's orders, and attempted to cancel the contract. The only requirement left was to submit a " XXXX '' which I needed to obtain from them so my letter requested that they contact me immediately if I needed to do anything else to compete the request. I NEVER heard from them so I filed away my paperwork, assuming the matter was concluded. 
XXXX XXXX I received a " Default '' letter from them which prompted me to immediately contact them and remind them of my cancellation notice. They then told me that since my son 's physician did not complete a " XXXX Form '', they would not cancel the contract. We then went back and forth over this issue a few times, and I was receiving so many phone calls from them at all different times of day, it was interfering with my job. We were clearly at an impasse and I became frustrated so I told them not to contact me anymore. 
Suddenly, after 2 years of no contact, I have been receiving daily phone calls from First Credit Services, ( XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX ) attempting to collect over {$1000.00} from me for non-payment of this account. According to them, if I do n't pay them immediately, they will severely impact my credit. I have not received anything in writing from them, just the daily phone calls. I am at a loss at this point and do n't know what to do. 
I believe that I fulfilled the terms of the cancellation with the exception of submitting a " XXXX '' but they never sent me one to fill out. I also believe that their insistence that my son 's doctor complete a " XXXX Form '' is not a required component of the contract I signed. form. I respect the sanctity of the contract, but I also do not want to give them anything that I did not agree to. 
I would appreciate any assistance you can give me resolving this matter.
I recently applied for a re-finance loan. Equifax credit report indicated an adverse judgement placed against me by XXXX. I was told ( via phone ) today by Equifax that they completed their investigation and that they would NOT remove this adverse action from my credit record. The Equifax agent told me that during their investigation, XXXX told them I was the responsible party. I contacted XXXX and gave them my Social Security number and they agreed that I AM NOT THE RESPONSIBLE PARTY and that the social security number on the delinquent account is different from mine. However, XXXX ALSO REFUSES to remove the adverse action and said that Equifax is responsible for removing it, as the social security number is not mine. It appears that a family member who has a similar name might be responsible for this, but I AM THE ONE BEING PUNISHED.
This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.
I 've been receiving constantly calls from a Collection Company threatening me to sue me on court. Also, they have told my mother all the information about this situation. This account is more than 9 years old.
Capital One Bank keeps reporting to the credit agency of an account that they took over from XXXX companies Orchard Bank and HBSC which at one time I had accounts. these are very old over 15yrs old had diputed them off my accounts and never put back on until Capital One Bank now keeps putting this account on my report I have called numerous of times They would respond okay our mistake it would be removed but they would again and again report Please have them remove this account I had XXXX credit companies help me XXXX XXXX and Credit resolutions it would be remove but back on after a few months. I would greatly appreciate any assitence you could give. thanks
Back in XXXX of 2017 I contacted ProCollect as soon as I found out from the original company that my account was sent to them and paid approximately {$2000.00} which is the FULL amount of what I owed. I was told that the big XXXX credit reporting agencies would be notified. However, since then, not only does ProCollect continue to report this account, they report it as being delinquent!!! Because of this my credit score continues to suffer as they are showing the debt as continuing to be delinquent because they report it as such to the credit reporting agencies every month!!! I want ProCollect to stop reporting the account as delinquent on my report as of XXXX 2017 as that is when I completely and FULLY resolved this issue and paid them in full voluntarily!!!
These people are out of control and there needs to be tighter regulations on them having so much control over people 's credit health ... especially since they have very vial and hostile attitudes when you try to reason with them. They wield too much power ''! They just do mean and unfair things to people because they CAN!!
DBA PARAGON REVENUE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DBA PARAGON REVENUE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DBA PARAGON REVENUE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
XXXX XXXX This account was closed in XXXX of XXXX. 
1. The Pay Status is Inaccurate, it should be Paid/Closed and XXXX Balance - it appears OPEN, Current and as if I am paying as agreed. 
2. It was updated in XXXX, but should not have been possible - because - its closed and has no balance or activity. 
3. Is has Payment History Data for times, when the account had been CLOSED a. This account was opened in XXXX, and Closed in XXXX is showing 4. Is has Balance History Data for times, when the account had been CLOSED a. This account was opened in XXXX, and Closed in XXXX is showing b. Have erroneous comments, when this account has been closed for almost a year.
I had contracted a local    XXXX   XXXX   XXXX   (   XXXX   XXXX   )    in   XXXX    2016 to do some interior and exterior work on my house. I paid him with a credit card, issued by Chase, supposedly to be protected by the illusionary guarantee, provided by the bank. The workmanship and materials are of such a low, substandard quality, that six months later, there are visible gaps and cracks, bathrooms need to be re-caulked and re-grouted, exterior columns show cracks, etc. I have filed a complaint with Chase and they initially gave me credit for the shoddy, substandard work. I have provided them with all pertinent documentation, when they needed it. The contractor  disagreed and finally, Chase reversed the charges on frivolous pretexts. I had provided Chase with a written estimate by a screened and vetted contractor, registered with  XXXX . Chase rejected his estimate on a whim, saying they needed an estimate, written on " letterhead ''. I find this extremely pretentious, concocted and contrived, as building contractors are good at fixing houses but they should not be expected to come up with some fancy letterhead and logo to satisfy some frivolous demand!
Midland Funding sued me in XXXX 2008 for {$3300.00}. I requested proof that I owed the debt which they never provided to me nor the magistrate ask for discovery. My rights were violated. All motions were denied in circuit court to overturn the judgment. Since I did not receive any proof that I owed the debt I did not enter into a payment agreement and my wages were garnished beginning XXXX 2008. A total of {$3000.00} was paid over a period of XXXX months before losing my job. Now I am being garnished again with interest for a total of {$2000.00}. I have requested in writing that they prove the debt and they have yet to do so. The statute of limitations in my state is XXXX years. Midland funding is still trying to make money off me for a debt that I do not owe and that they never provided proof that I owe. They are engaging in unfair practices by charging me interest and collecting money from me on a debt that I do not owe and that the statutes has expired on.
I am in Mississippi. I had a Credit card with Capital One and it got closed because I could not pay and had gotten the balance over the {$300.00} credit limit to {$700.00}. They ended up turning the account over to XXXX XXXX and a different person from XXXX XXXX calls and usually they won't listen when you tell them you can't talk, they will call multiple times a week and even on Sunday which in Mississippi is against the DNC laws. Also, they have wanted to take my SSI check and said they have taken SSI checks in the past to cover debts which is illegal for these types of debts, and have checked with my law firm on this. It is always a different number and they do not care if they break the law as long as they collect. Some of the agents are threatening and rude while others are polite. I have even told them to stop calling. They even call after XXXX.
I am in the middle if a modification once again with OCWEN LOAN SERVICING. They are doing the same thing that they did before, stating that that they did not receive papers that I have sent them over and over again. In the midst of them working with me, THEY SENT ME A FORECLOSURE LETTER. This is a XXXX XXXX case.. 
MY DOCS HAVE BEEN ROBO SIGNED BY OCWEN. PLEASE HELP. I SENT A VALIDATION REQUEST OF THE AMOUNTS TO OCWEN AND THEY IGNORED IT. THEY ARE IN VIOLATION OF SEC 809B OF THE FDCPA
I am an identity theft victim, I had an account with XXXX XXXX XXXX XXXX deleted from my credit report in late XXXX, early XXXX. I recently discovered that the account has been added back to my credit report. In accordance with the requirements of the FCRA Transunion was supposed to notify me within 5 business days of reinserting the account, but failed to do so. I demand the immediate removal of the account from my credit report. This is the second fraudulent account that has been reinserted and I will be seeking legal counsel if I do not get this resolved.
On XX/XX/XXXX, my wife and I sent a request to Equifax, asking them to investigate errors on our credit report. My wife received a timely response to the request, but Equifax has not sent me the results of my investigations. It has been 45 days already, and I have yet to receive any word from Equifax regarding my investigation results.
Dear Sir/Madam, In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution? 

Sincerely Yours, XXXX XXXX XXXXl
On today. XX/XX/2018 I ordered copies of my credit reports and found horrific information incorrect phone number and fraudulent accounts I attached document to show the fraudulent accounts
Late with payments, made payment plan arrangement with company. Still calling me XXXX times a day even on Sundays. Have explained several times DO NO CALL ME I am on a payment plan with your company to no avail. They seem to be of XXXX descent as if they do n't understand I 'm paying your company quit calling me. Calls start at XXXX every morning Monday-Sunday very annoying at least XXXX calls per day. I do not understand why they are calling when I have made and am keeping arrangements I put in writing with the company.
Company called XXXX is attaching a collection to my credit report on both Equifax and XXXX. They say its for a commercial loan to XXXX XXXX. It would have been for a commercial loan to a dissolved company. To get around the consumer credit rules these companies are reporting it as collections to the individuals. The loans are unsecured purchases of receivables. When the companies go bankrupt they use this tactic to affect the individuals credit.
During the recent Equifax hack, my personal information was compromised and I had to apply for multiple credit freezes to minimize by potential risk ( performed on XXXX17 ).
I have student loans with Navient and have been trying to arrange a payment plan with them for over a year. Every time that I speak with an agent, they tell me my only option is to pay {$100.00} and put my loan in forbearance for XXXX months, at which time I would do the same thing and the cycle would repeat itself. I know that I have been accumulating great amounts of interest by doing this and I spoke with an agent today because my loans have been XXXX days delinquent. I understand that is my fault and what the consequences are regarding my credit score etc, but I have asked a number of times to try and set up an income based plan. Today, the agent told me to do that, my co-signer ( mother ) would have to submit her income for them to review and make a decision, not my income. I asked why they would want my cosigner 's income, and not mine - the person who should be responsible for the payments. She told me that is how things are and that I have to pay the amount now or have her submit her income, which I know will not lower payments as she makes more than me ( which I am sure is the case for many student borrowers ). I asked several times for them to work with me and said that I have every intention of paying them and want to make payments. She still gave me no options. I am extremely stressed out over dealing with this and can not believe that there is no option for me to set up a payment plan. I have never had this sort of problem with any other company and I do not understand why MY payments would be based off of what my cosigner makes. I spend hours every day stressing out about this and am constantly getting calls from them, at least XXXX times a day. Their voicemails always say that they are willing to work on coming up with an affordable plan, but every time that I speak with an agent they tell me I have no options on working out a repayment plan. I know that my credit score is being destroyed by this company and every attempt I make to arrange something gets me no where. This time, the agent even hung up on me after she ordered me to tell my mom that she has to make the payments for me and that they have to be paid now. I just want to be able to arrange a repayment plan with them that is more affordable for me as I have an entry level job and am responsible for living expenses, groceries, utilities, car payments, and other college loan payments among other common bills for young adults living on their own. I do n't know what else to do, because every time that I speak with an agent I get no help.
On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the XXXX bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX bank and hit my credit once