WillisBack/dataset-financial-user-claim huggingface dataset:
Im writing because I have exhausted all efforts to correct my information with XXXX  and associated agencies. 

It is apparant that my identity was stolen and Ive worked night and day to prove that I am who I say I am. 

Despite my several years of efforts these agencies have restricted me from getting credit. 

Please help me because I have the same rights as other consumers to have my information corrected.
After multiple attempts and going through the credit bureau, Nationstar/Mr. Cooper continues to report incorrect information about my CLOSED account! The account has been closed for 3+ years! 

I refinanced by loan in XX/XX/XXXX. The wire paying my account in full was sent on XX/XX/XXXX and Nationstar/Mr. Cooper closed my loan on XX/XX/XXXX. However, they reported me 30 days late on payment for XXXX the month my account was paid in full and closed. 

They have been notified multiple times since XX/XX/XXXX. It get fixed and then it shows back up again. Every time I call they say the disputes I filed are " still in processing ''. Do they get 3 years to process this kind of error?? 

Additionally, both XXXX and Mr. Cooper did electronic verification which clearly was not the appropriate way to resolve this complaint!
I received at least XXXX emails regarding a credit card that was activated in my name, which I do not have and did not apply for.
On XXXX XXXX, 2017, my debit Bluebird account by American Express was disabled, I only used the card once a month to paid my rent. When I called them on the phone about it they refused to discussed the matter with me. I have had this card for over 2 years, and I do not understand how my card can be disabled without my authorization. I need to know what happen.
I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan 1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.
There was an individual who fraudulently accessed and stole well over {$2000.00} from my PayPal ; some of which over-flowed to my bank. My bank was able to resole some of the charges, however PayPal has left me with a negative balance from two separate charges equally the amount in total to be XXXX. I have opened 5 separate tickets with them regarding the charges and all have been closed with no other information or refund. I am unable to select the transactions in question on XX/XX/XXXX to file a dispute for them. They request that i contact the customer service team but I was never able to get in contact with PayPal on the phone or via any other method of contact.The two transactions in question take place on XX/XX/XXXX each being {$410.00}. With no response from PayPal other incoming funds are currently paying the negative balance which is not my responsibility due to fraud.
On XX/XX/2016, the bank charged me {$37.00} overdraft fee even though they have a 24-hour grace period. Huntington advertises this 24-hour grace period service and does not honor it. I feel this is deceptive business practice, because the 24 hour grace period service is only allowed at random or when they choose to let a customer use it.
HUNTER WARFIELD is attempting to collection on a debt that was caused as a result of identity theft. 

My identity was compromised in XXXX. Someone broke into my car and stole my wallet and other items that had personal information. It 's unclear who exactly however the Department of Justice might have arrested someone. If the apartment they collect for verified ID or went through proper identification procedures they would have seen it was n't me. 

I sent a certified letter containing : FTC Fraud Affidavit on XXXX/XXXX/XXXX ( Receipt XXXX/XXXX/XXXX ). I have not received a response. Today, XXXX/XXXX/XXXX I sent another certified letter containing all of the above documents and DOJ Victim Letter. 

Please feel free to review the attached documentation and proof of what they received and when HUNTER WARFIELD received it. 

I 'm hoping to get this resolved soon. Thank you XXXX XXXX
XXXX XXXX XXXX. XXXX calling from XXXX. Have called daily, minus weekends, since XX/XX/2018. I Have checked my credit report and have no delinquent payments due. I have not answered their calls because it's my understanding that this company has a history of fraudulent behavior. I have their number blocked on my phone through the " Should I Answer '' app and they still are able to get to my voicemail.
Continuing from previous complaint I filed with the CFPB, Bank of America has still not resolved the issue I have with the mortgage modification they started from XXXX XXXX and now I have been informed that I no longer qualify for a modification and have been put into Foreclosure. In XXXX XXXX I was informed by BoA that I completed the mortgage modification requirements and met all of their payment requirements ( 4 months of trial mortgage payments XXXX. I submitted the paperwork as instructed and waited for the closing paperwork to complete the process. The paperwork never came and no phone call from BoA. I waited two weeks then I called BoA to find out what was happening. They informed me on XXXX XXXX, XXXX that the paperwork was rejected by their document quality control department and now since the paperwork was now late the whole modification was rejected. They would not accept my modification. I called their Appeal Dept and filed an appeal. I was informed XXXX XXXX, XXXX that my appeal was denied without explanation. The very next day I receive a packet in the mail from BoA containing a new application for a modification. I filled it out again, followed the instructions again, had XXXX XXXX come to my home AGAIN and notarize all the paperwork and submit the new application request. I have since called 4 times to get XXXX XXXX to call me back on my cell phone and he has not returned my call so I can not get any answers about paying my mortgage, which is late again, or information on my new application for modification. I am making every reasonable effort to do as BoA asks and every time I follow instructions or submit paperwork, BoA finds a way to find fault with something and reject the request. I just want to pay my mortgage every month without having to XXXX someone down on the phone to make the payment. I want the modification process to be finished and my new modification be accepted.
I disputed an inaccurate account balance and they removed the account complete, causing my score to drop XXXX points
If you take a look at my credit report you will see open accounts i never had like   XXXX     XXXX   XXXX ,  XXXX ,   XXXX   XXXX   in   XXXX   and other inquiries from other states i never been to i dont understand why my credit score dropped so much because of false inquiries thats not even mine i believe someone stole my identity and i swear to you those accounts are not mine please take some time to review my report and call me to my mobile phone if you need any information regarding my case please and thank you i really want my credit score back up and good  XXXX  yours sincerely  XXXX   XXXX   XXXX
On XX/XX/XXXX I learned from my identity theft protection service ( XXXX ), of a collections attempt on my credit report. I reviewed the collections attempt. The business responsible for the attempt was XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. The amount of collections was for {$25.00}. I immediately called the business at XXXX. I learned this collections was from XX/XX/XXXX when my ex-wife took my child to XXXX XXXX XXXX ( XXXX ). I immediately paid the amount and contacted XXXX and learned my son was seen XX/XX/XXXX to XX/XX/XXXX and there was an outstanding balance with XXXX. I paid the entire balance of {$390.00}. I learned my ex-wife but me down as the guarantor for XXXX. I also learned from XXXX all of the billing information was directed towards my ex-wife 's residence and my address was not on any of the paperwork. I was only listed as the guarantor and my social security number was provided. I disputed the collections with XXXX. Within 1 business day, XXXX agreed with my complaint and removed the collections from my credit report. I further disputed the collection with Equifax. Within 3 business days, Equifax responded by saying " The results are we verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact XXXX XXXX XXXX '' My complaint to XXXX and Equifax was " Unaware ex-wife put my name down as the guarantor in regards to my child 's doctor visits. Bill has been paid in full. '' XXXX understood my complaint and quickly resolved the issue. Equifax is being difficult in this matter. I had no knowledge of these doctors visits. When I became aware of the collections, I immediately contact the business and paid the outstanding balance. I further contacted XXXX and paid the entire amount. My ex-wife using my information will be handled in a different forum. I pride myself on perfect credit and Equifax is being difficult and not understanding.
A collections account was placed on my credit report by Franklin collection services for {$40.00} in XX/XX/XXXX, the original creditor is XXXX XXXX XXXX. I was a victim of XXXX XXXX in XX/XX/XXXX and canceled my services due to total loss of home after flooding. I informed XXXX  that the equipment was damaged and couldn't be returned. I was initially charged for the equipment cost although they were aware the equipment was damaged and couldn't be returned. I was informed by a rep they would check the zip code of my address to ensure that area was declared a disaster area. After doing so, the equipment cost was refunded and the balance owed was {$0.00}. I didn't use XXXX   services after that time. 1 year later, I have a collections reporting from them. I never received a bill or any notice of a debt owed from XXXX. I also spoke to a rep on XXXX in regards to this issue and the rep informed me she couldn't explain why I was billed for the {$40.00}. She also contacted the collections dept who couldn't pull up any information either. It is an unfair practice to place a collections account on my credit without giving any notification or contacting me to rectify the situation. If I owed {$40.00}, I would have paid the amount. I was told by XXXX the balance was {$0.00}. Please remove any negative marks from my credit reports immediately.
TransUnion and XXXX removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on credit report.
I had a second mortgage with XXXX which sold the loan to US Bank and then was managed by Shellpoint mtg. I paid the loan off XXXX. When I tried to refinance, the lawyer doing the title search found that the release of the deed of trust was not done properly. I filed a complaint with you against Shellpoint mtg but they STILL did not get it right. The lawyer, XXXX XXXX, has e-mailed US Bank and they refuse to answer her e-mail. Until US Bank does a proper deed release I ca n't refinance or sell my home. If they have the authority to put a lien on my property, they should be made to release it properly when paid in full. This situation is ridiculous. XXXX is saying they released it properly but the lawyer is saying US Bank either needs to release the deed themselves or give XXXX mtg power of attorney saying they had the authority to release the deed of trust.
Recently an there was a levy attempt on an account I have with the XXXX XXXX XXXX in California. Currently I have an extension on that account through XXXX. On Thursday XXXX XXXX, XXXX I looked at my account which only had {$0.00} being overdrawn {$120.00}. 

There is a fee stating that the XXXX XXXX XXXX charged my account. I called the XXXX XXXX XXXX and there were no funds collected on my account. Wells Fargo states that this is a cost to Wells Fargo for processing their order, the XXXX XXXX XXXX of California stated they did not charge a fee to Wells Fargo. 

I called Wells Fargo XXXX/XXXX/XXXX around XXXX and was told this is a fee they charge as a cost. Their is no reference or disclosure to this fee and the XXXX XXXX XXXX did not charge it to them.
I sent a letter certified mail to Santander main office Santander Consumer USA Inc. XXXX. XXXX XXXX XXXX XXXX, TX XXXX a little over a month ago requesting them to Please furnish me with direct proof that this repossession was done in a legal and proper manner, including notification of deficiency, Repossession Company used, redemption notice, and proof that they allowed me to access my personal property and plates off of the vehicle. Per the documentation required under Texas Motor Vehicle Finance and UCC statutes. The car was cleaned out and my belongings was placed in black trash bags  before I could have access in the car I had items missing & I never received my license plate. I haven't heard anything back from anyone I listed my cell number and also my mailing address. Instead someone remove the balance that was owed to XXXX  in the letter I requested that they take the necessary steps to ensure any critical information on my credit is deleted and purged from my credit reports.
For almost a year now, Wells Fargo has been reordering my bank charges in order to maximize overdraft fees. In other words, they change the dates on my charges so that they can either charge me overdraft fees, or if I already have an overdraft charge, they will change the dates on my purchases in order to charge me multiple overdraft fees. They will also purposely withhold transactions so that my balance looks higher than it really is. Then, when my balance gets low enough they will process all of the transactions that they withheld causing me multiple overdraft fees. Here 's an example : On XXXX/XXXX/16 I checked my checking balance and it was roughly {$140.00}, so I went and bought a few grocery items that I needed. Now, fast forward to XXXX/XXXX/16. I woke up and saw that my account was overdrawn and there was a new charge on there from XXXX that was n't on there before. It was my cell phone bill that I have on reoccuring auto pay ... .which I admitedly forgot about. However, this charge did not reflext on my balance on my balance until XXXX. There were also XXXX new overdraft charges for the charges I made on XXXX. I called my cell phone privider and talked to a few different people ( including 2 CS Suoervisors ) to see why the charge took 5 days to process and they told me it was my bank who withheld it for 5 days. So basically, Wells Fargo withheld this charge for 5 days and then processed it on XXXX and tyen changed the process date on the charge to XXXX and then retro charged me {$140.00} in overdraft fees. This has happened numerous times over the last 7-8 months and has cost me XXXX ( if not XXXX ) of dollars. It is fraud and I am tired of them taking advantage of me.
XXXX did unauthorized illegal credit checksExperian : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015
I am involved in a federal crime involving   XXXX   XXXX   XXXX   who is now being investigated by the Federal Trade Commission. It is currently shut down by the FTC. I received a letter last week from the FBI stating this. I gave   XXXX   XXXX   XXXX   {$14000.00} last  XXXX  to perform patent services which they did not deliver. Myself and thousands of others were taken by the scam and where led on to believe that the Company was performing their services as promised up until  XXXX  of this year. After hearing of this I went to my bank PNC to file a dispute and they have denied my claim because it was not reported within the 60 day time frame. Me as well as all the others only found out about this and  XXXX  after the company was shut down and we were sent letters from the Federal trade commission. I did report the fraud to the PNC after I found out. I am still being denied due to the timeframe and I have gone all the way to escalations and I am still denied.
I filed a complaint and the company responded stating that they had removed my number but I continue to receive calls at my personal number and they have also started calling my work number of XXXX. Today, when I answered and told the person to stop calling me and that I had filed a complaint, they said they were returning my call. I DID NOT CALL THEM. I told her she was lying and she continued to tell me that I had just called them. that is a complete lie.
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to Experian and 30+ late to XXXX. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports.
I have an issue with  Sallie Mae because they ca n't offer me any type of repayment plan that is in line with my income. They said I gave up the right to graduated payments because I had to go into forbearance while I searched for another company to refinance with. I do n't qualify with any of the other finance companies because I do n't make enough money. I called Sallie Mae twice   today to ask if there was some way I could avoid defaulting on the loans and sparing my co-signers credit  XXXX . I offered to make payments on the loans but I ca n't afford the full amount.  Sallie Mae told me that I would have to let the loans go into default or delinquency for  XXXX  days before anyone in Sallie Mae Collections  would call me to ask me why I was n't making full payme nts. Only then, would they offer me alternatives. This is, of course, after everyone who co-signed with me has a  XXXX  late on their credit report which lowers thei r credit score significantly. I owe Sallie Mae {$170000.00}. The payments are {$1500.00} a month. I can pay maybe a {$1000.00}. Even this amount leaves me with no disposable income. Sallie Mae wo n't work with me. I 've tried every possible alternative I can think of before  just defaulting on the whole mess. And taking my whole family down with me.
TD Bank is blocking my access through XXXX account. I called TD Bank customer service to rectify the issue but was advised to call XXXX. As per my conversation with XXXX TD Bank is the one that is blocking my account access. TD Bank customer service rep was n't helpful at all and was rushing to end the call.
In XXXX XXXX, I found my credit score dropped from XXXX to approximately XXXX. Upon my investigation with XXXX credit agencies, I discovered that an individual opened a Paypal Extras Mastercard with Synchrony Bank in XXXX XXXX. I am unaware who opened the account or if/where the card was mailed. I have been contacting the Synchrony Bank since XXXX to have my credit score restored. However, there is still no news from them. We need to get the score corrected to close our first house in XXXX.
X/XX/2017 and XX/XX/2017 I noticed credit inquiries that I did not authorize, made by XXXX XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I asked Experian to validate this infomation with XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that they maintain under my Social Security number and send an updated copy of my credit report after deletions. Experian continues to send me notices that this has been verified.
Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I called XXXX  directly to learn more about this alledged debt under my credit report, and right on the conversation, the rep 's computer crashed and she said that she will transfer me to a third party collection company called XXXX XXXX XXXX, which has a very unprofessional customer service ; inappropriate collection techniques ; and failure to provide verification of debt as requested. 

I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, XXXX will have all the major credit bureaus removed this negative items or accounts or tradeline from my credit report. Please kindly adhere as it was promise and have this account remove as I DO NOT OWE the debt.