WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a victim of identity theft since at least   X/XX/2017 . I fil ed an initial fraud alert with Experian and they forwarded it to  XXXX  and  XXXX . I received confirmations from Experian ( dated   X/XX/2107  )  and   XXXX  (  dated   X/XX/2017  ) .     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency ( The   XXXX   XXXX    [    XXXX   XXXX     XXXX    ] Police Department ) Experian 's information notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the   XXXX   nationwide agencies ... ''.   However, I 've tried the various phone tree options on each of the phone numbers given in the confirmation s (   XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not confirm my identity. In another case, because the system hung up on -- selling me -- my  credit score and  would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my   XXXX   credit report failed because I had already requested it once it the last year. My attempt ( on   XXXX   ) to order a second report ( Experian I believe ) failed because my eyes are no longer good enough to pass most Ca ptchas particularly those with ragged text on multi-colored backgrounds and those asking one to click on the pictures that have X ( cars, traffic signs, boats ) in  them.
This is an addition to complaint # XXXX The public records data from LexisNexis does not comply with the National Consumer Assistance Plan ( NCAP ). I've been iterating the fact that inaccuracies exist in my report.

Under the National Consumer Assistance Plan ( NCAP ) the public record data must have your name, address, and either your Social Security number or your date of birth. See attached page 9 of LexisNexis document.

The data from LexisNexis only has my name, the other 2 pieces of required information is not listed, how then can it be established and confirmed that I am the filer of the bankruptcy when there are many people with the same 1st and last name? Note : XXXX has 2 social security numbers listed on my report.

According with the National Consumer Assistance Plan ( NCAP ), the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.

The attached public records document ( pg9 ), from LexisNexis reads " This section contains bankruptcies filed in your name in federal bankruptcy courts. '' it further goes on to state " ... the source last provided information related to the bankruptcy ... '' Here LexisNexis claims that a " source '' provided information related to the bankruptcy. The " source '' would be the bankruptcy court, I have documented proof that the " source '' has not ever provided information to LexisNexis, ( see the attached court document dated XX/XX/2018 ). In the court document the first line reads : " Please be advised The United States Bankruptcy Court does not provide information to credit reporting agencies. '' Therefore LexisNexis is now proven to have falsely and inaccurately reported damaging information in their database, which was then relied upon by the credit bureaus, XXXX and XXXX which cite LexisNexis as their " source. ''
My complaint is with Rush Card from XXXX XXXX on XX/XX/XXXX I received an email telling me about a maintenance cleaning that they were going to be doing and that it would only last for four hours the next day I thought it was fine and that I would be able to pay my bills ( pay-cellphone bill, gas in the my car, buy food for my kids, get costumes, buy personal things for my self ) but everywhere I went they told me that my card was declined. and I 'm still struggling today because of it.
Capital One is showing that my auto loan is delinquent when I have payment proof that I 've sent them but to no avail & this is being reported to all XXXX Bureaus but specifically XXXX as I 've written them a letter as well as called them but again to no avail.
This company is practicing a Predatory Landing in order to get their customer a loan. All my attempts to resolve my issue and asking them not to report my late payments to credit agencies were not heard.
Origionl debt was with XXXX XXXX XXXX XXXX who wrote off the debt, the amount was charged to me as income and I paid state and federal taxes on that amount. Four years later XXXX XXXX XXXX  sent me a collection notice. I mailed their lawyer a copy of the debt right off. They still persisted. On XX/XX/2018 I sent Portfolio Recovery a check for {$2700.00}. On XX/XX/XXXX, Portfolio Recovery deposited the check. On XX/XX/2018 the check cleared the bank. Portfolio Recovery refuses to acknowledge payment. Disputes filed with XXXX XXXX, XXXX, and XXXX have failed. Copies of closed check sent to all.
I have a Walmart Credit Card through XXXX Bank. I had a credit limit of {$3100.00} and without notice I now have a credit limit of {$530.00}. I have never been late nor have I ever missed a payment. I feel I am being discriminated against because of my credit score. Just because my credit score is under XXXX does n't mean I should have my credit limit decreased. Again, I have never missed a payment nor have I been late. Something needs to be done about this. This is n't the XXXX time I 've been discriminated against XXXX Bank.
the collection agency is Frontline Assets Strategies. 
They repeatedly call and ask for some female about a debt. 
I 've told them I have not idea and ask if they even check their sources before calling people They admit they do n't do any research or investigation or any kind of vetting before they call. 
XXXX XXXX attorneys have sued them many times for this type of reckless behavior towards the public.
I AM RECEIVING PHONE CALLS FROM A DEBT COLLECTOR. THE DEBT IS FOR ANOTHER PERSON NOT ME. I HAVE SENT A STOP AND DESIST LETTER. I AM STILL RECEVING CALLS FROM THEM PLEASE ANY HELP THANK YOU.
We made an electronic transfer of {$2800.00} from our Credit Union XXXX XXXX XXXX to XXXX XXXX XXXX. to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX on XXXX/XXXX/XXXX. However, no such person is at this address, or even exists as far as we can ascertain. Since no such person exists, we should receive a refund of this amount. Capital One agrees that this was a faulty account, and thus refunded us the amount left in the account, which was {$6.00}, on XXXX/XXXX/XXXX. We would like the remainder of {$2800.00} refunded since the person we wired money to does not exist. This involved a fraudulent lease, which has been reported to the XXXX XXXX, MD police ( report number XXXX on XXXX XXXX, XXXX ), but our complaint here is with Capital One, since we wired money to this supposed XXXX XXXX, who does not exist. The XXXX did nothing wrongwe have no complaint against XXXX. The origial wire is attached.
Someone stole my Identity in 2014. I filed a police report. Many creditors took action to fix the situations that arose. But XXXX collector is pursuing me for a supposed apartment rental I did NOT rent in ANOTHER STATE, EVEN AFTER I SENT THEM THE STANDARD LETTER FROM THE FTC as the FTC advises. 

The dead give-away is that they always have my name wrong, as is the case with this collector ( Fair Collections & Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX XXXX www.fco.com ). 

They keep telling me I need to complete their form which asks for a litany of my personal information that THEY ARE NOT PRIVILEGED TO. 

I even included a copy of my police report with the standard FTC letter. THEY REPORTED ME TO THE CREDIT BUREAUS!!! 

How is this allowed when they do NOT even have my name correct and I 've provided proof of identity theft?
Yes hi my name is XXXX last year ago I have noticed several inquiries on my credit report from Chase card. I gave them a call to let them know that it was fraud been done in my name and asked that they fixed the problem. They told me that they would but never have and this was last year some time in the summer of XXXX. So because they handle the situation properly I called XXXX  and let them know of the situation what was going on. That it seems as if someone has stolen my identity, they did put a block on my social security number and also removed the chase card off my report. In XXXX of XXXX or XXXX I believe but here it is XX/XX/XXXX and it pops up again on my credit report. I have been rebuilding my credit over so I can buy me a house these hard inquiries keep putting a ding in my score. I'm really getting irritated by it cause it's getting out of hand my next step is to Laywer up and Sue Chase card I'm trying to avoid going this route so can you all please help.
Unable to get an apartment because I have a similar name as another person. When I tried to get another apartment, I was denied and the apartment complex were unable to give me any information pertaining to the eviction. My hands are tied and I am trying to move next year. XXXX XXXX is a married name for me and my birth date does n't match the records.
I have been trying unsuccessfully to cancel my subscription to Experian. 

I logged on to the website and learned that it is impossible to cancel it online. It instructed me to call the Customer Care Team at XXXX. I did so, went through all the steps of verifying my identity, and was given only options to ask questions about fraud or to obtain a credit report. There was no option to reach a human being, much less cancel a subscription. I repeatedly tried various approaches -- going through the menu for fraud, going through the credit-report menu, pressing 0, waiting on the line in the hope that a human being would answer. Eventually it would simply cut me off. I made three separate phone calls, verifying my identify each time and spending at least 20 minutes. I was never able to reach any Customer Care person or find any option to cancel my subscription. 

I went back to the website and saw that I could also email a request to cancel my subscription. I did so a week ago, and I have not received any response from Experian. 

I find it outrageous that a company makes it impossible to cancel a subscription. I am now going to contact my credit-card company in an attempt to stop further charges. I hope that the CFPB investigates and penalizes Experian for this unacceptable behavior.
On XXXX/XXXX/XXXX I received an alert from XXXX advising that my information was being sold on the blackmarket. I also received notification of inquiries being made on my XXXX and Equifax reports. XXXX quickly added a Fraud alert and advised that they would notify the other credit reporting agencies and research the inquiry. They removed the inquiry within 2 days. I contacted Equifax and disputed the credit inquiry ( XXXX XXXX ) on that report. On XXXX XXXX, XXXX I received a letter from Equifax stating " The results are : Inquiries are a factual record of file access ''. 
In summary : I DO NOT believe Equifax investigated the inquiry on my credit report. I believe that I received a blanket response. I do not know or understand what my recourse is here. Equifax continues to allow inquiries of my credit information with out my consent. There have been several inquiries over the last six months. Also, I am attaching their response. On page XXXX ( Research Request form ) ... the address portion of the form is pre filled and has a previous address of : XXXX , TX XXXX. I have neither lived there, nor have any knowledge of that address.
I sent certified letters to XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX and again on XXXX XXXX disputing the collection account from United Revenue Corp in the amount of {$560.00}. On all three occasions, XXXX stated the information was verified and accurate ; however, no documentation to support their response was sent as I requested, only that the debt was verified. I contacted the creditor directly ( per the direction of XXXX if I still disagreed with their findings ) by certified mail on XXXX XXXX XXXX ( the company responded quickly stating only that the debt was verified ) and again on XXXX XXXX XXXX requesting that they validate the debt. The company signed for the certified letters on XXXX XXXX XXXX and again on XXXX XXXX XXXX but I have never received any documentation validating the debt. In fact, United Revenue Corp never responded to the XXXX XXXX XXXX certified letter. I contacted XXXX AGAIN by certified mail on XXXX XXXX XXXX advising that they did not provide any documentation to me and the creditor has not responded to my second certified letter. I received a response from XXXX today, XXXX XXXX XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation or address the issue on why the company did not respond to my second certified letter. This has been ongoing for 6 months now with no resolution.
Everytime I ask for my payments to be lower they would not allow it but instead suggest forbearance or deferment. They implied these would help me get caught up when in fact it hurt me more. Never offered all of the solutions that should have been offered to me. Only offered solutions that would keep me in debt longer and make my loan and in treat higher. Also when I applied for XXXX the payments are still very high.
My loan with XXXX XXXX XXXX was sold to SPServicing in 2013. I requested assistance with a loan modification due to a {$30000.00} dollar decrease in income resulting from the need to relocate to assist a XXXX child. I have submitted the documentation as requested repeatedly, submitted additional documentation, and when requested updated documentation due to an almost 2 year long process. To date I have not receive a modification or resolution of any kind. I initiated this process because I was having difficulty paying my monthly mortgage payment. At the outset I was only a few months behind, however over the past year and eight months since I began the process I have fallen further and further behind on mortgage. 
This company touts their caring nature and states their desire to assist in obtaining a loan modification, and prevent foreclosure, but this is not my experience with SPServicing. I do n't feel that they have acted in good faith or made any effort whatsoever to assist me although I have appealed to them in good faith. I wish to learn what recourse I have in terms of working with an agency that will truly help prevent the loss of my home and assist me in obtaining a modification that is more in line with the value of the home, a better interest rate, and a more affordable monthly payment.
Starting in XX/XX/XXXX I started receiving calls from ability recovery solutions regarding a Medical bill they claimed wasn't paid and I told them I was approved for SSI and Medicaid in XX/XX/XXXX. I had been fighting for XXXX for a few years altogether, and they backdated the Effective date for Medicaid back to XX/XX/XXXX they told me to call the hospitals and have them pull the accounts they had sent to collections back and file them with Medicaid instead. The hospital that the bill came from told me they pulled them all back and they were paid and closed. Well, I started getting calls from the collection company, and when I said to them that debt was paid they got rude and said to send proof to them, then they might close it. But when I tried to communicate with them about it they got hateful on the phone and threating towards me, and I called the hospital the bill came from, and they said they shouldn't be collecting on that debt, and they tried to contact them. but they refused to take it off my credit report and kept calling multiple times daily threating legal action and hurting my credit and because of them, my credit score dropped down really low. Also, they never sent proof in the mail about the debt when requested
In XXXX of 2018 I was introduced to XXXX XXXX of Guaranteed Rate by my Then Real Estate Agent XXXX XXXX XXXX because his wife is a manager there. The lender asked me to put a XXXX charge on my charge card for an appraisal ... but pursuant to XXXX XXXX  '' The lender will request an appraisal straight from the VA website. VA will then select an approved appraiser.. Then on XXXX XX/XX/2018, XXXX XXXX my then real estate agent sent me an email saying for me to go to my email an electronically sign a closing document.Upon reading the form I noticed that the lender was charging me the funding fee.. Pursuant to XXXX  '' Veterans receiving VA Compensation for service connected XXXX do not have to pay funding fee. '' I HAVE A PERMANENT AND TOTALLY XXXX VETERAN..PLEASE NOTE THE CLOSING DOCUMENT STATED ... XXXX WAS DUE FROM THE BORROWER AT CLOSING.. BUT I WAS ONLY PRE-APPROVED FOR XXXX DOLLARS..
My wife I continue to receive these collection letters from ENHANCED RECOVERY COMPANY, LL attempting to collect a debt. We filed them in our bankruptcy petition on XXXX/XXXX/2015. 

They still continue to violate the Federal Bankruptcy Law. I have also notified our Attorney of the collection letters. Please follow up with this company.
I recently opened a NetSpend Prepaid Debit Card account and would appreciate NetSpend credit my account with the {$20.00} referral bonus as part of the Refer-a-Friend program. 

I opened my NetSpend account on XXXX XXXX, 2015, received and activated the prepaid card on XXXX XXXX, and funded the account on XXXX XXXX. Soon after, I received an automated notice that my account is not eligible for the {$20.00} bonus on XXXX XXXX. 

Since then, I have attempted on multiple occasions to contact first-line customer service representatives, as well as the executive office, or " corporate response team '', but I have continued to encounter difficulty as NetSpend has refused to honor the referral bonus despite my meeting the Terms & Conditions of the program. 

The Terms of the referral program state : " A cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No rewards credited to either party if referred individual had a NetSpend card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the {$40.00} load requirement is fully met. Cardholder-to-cardholder transfers do not count toward the minimum load requirement. Allow 2 business days for {$20.00} credit to appear on each Card Account. " As this is my first NetSpend account, my opening deposit was the first time my account was funded, clearly fulfillng the " no value load ... during the 180 calendar days before the load requirement is met ''. 

In the course of repeated communications with customer service and the " corporate response team '', specifically XXXX XXXX, I was told my opening deposit did not suffice as a value load, so I performed an additional load via mobile check deposit on XXXX XXXX that cleared into my account on XXXX XXXX. 

I would appreciate NetSpend honoring the Refer-a-Friend program in correcting this error and crediting my account with the referral bonus.
I contacted Fifth Third Bank regarding a loan that belonged to my Ex-husband.My ex-husband XXXX XXXX in XXXX.We had been divorced, and the divorce decree stated he had 90 days to remove my name.from any responsibility of our house.He never removed my name.Fifth Third bank continues to send me the statements, and has also turned over information to XXXX that has damaged my credit.
Carrington Mortgage Services began servicing my 30 year fixed rate mortgage in XX/XX/2014, it was transferred/sold to them by XXXX Mortgage. They have refused to provide any statements on my account. The only information I have available through their website for billing is the monthly/total amount due. When they took over my loan, my payments went from XXXX to XXXX and I don't know why without them providing any documentation on my monthly payments.
There is a debt on my credit report that I do not owe. The collection company is Focus Receivables Management. It states I owe this company XXXX for a XXXX XXXX XXXX account from 2010. I did not have XXXX XXXX XXXX in 2010. I called XXXX they have no records of me having an account in that year.
SLS ( Specialized Loan Servicing ) makes harassing phone calls morning, noon and night if my loan payment is not paid on the XXXX. of every month. My loan payment is due on the XXXX XXXX. and delinquent on the XXXX monthly. I pay it every month on the XXXX yet for the past three months if the loan is not paid on the XXXX. they start calling. even if I answer and tell them I pay every month on the XXXX they keep calling. They told me today they have every right to call as my " investor '' wants to be paid on the XXXX. I made this loan with XXXX XXXX XXXX and they sold it to SLS. I have complained to BofA in the past about this practice. Does SLS have the right to make stressful unwanted phone calls if my loan payment has never been late? They seem to think they do.
I woke on  XX/XX/XXXX  to a text message from  Net Spend   XXXX   XXXX   detailing there is a problem with my debit card, please call before using the debit car d. Two  and a half hours prior to this text the monthly {$5.00} fee for  my Elite a ccount benefits  (  overdraft, cahs back, ect. ) was deducted from my account. I called and was notified that my account had been closed due to the other name on the account being deceased. I had reported  XXXX   XXXX  deceased the first time in Fall of  XXXX , and have repeatedly requested the removal of his name over the past 3 years. Each time I was told " It is ok, do not worry, but we can not remove his name. Just ignore it. '' I did, but now I am cut off from my money. I am being told that I must purchase a new card at my own expense, wait the month long waiting period for my account benefits to be reinstated, and the 7 years of customer history is now gone. My money is still in the closed account, and I am not being offered a way to get the money other than a check in 14 days. My auto-pay for my rent is du e in four days,  infact all my auto-pay bills are due on the  XXXX  of each an every month. I was not provided any warning to prepare for this closure, and now I could face eviction due to my rent being stuck on this card. I do n't have the cash on me to purchase a new debit card. I asked about sighning up for one online, and was told no. I was told that I must purchas e one in a ch eck cashing store at my own expense. I asked about transfering the funds to my  XXXX  College debit card that is still active, and they refused. I am told simply, " We have closed the account due to the deceased person on the account, and we will not be able to rectify this problem in any way, shape, or form. '' After two and a half hours I was hung up on by the company. The account is also locked online and I have no access to it.