WillisBack/dataset-financial-user-claim huggingface dataset:
I received a email from XXXX to see about my dispute. First off I am a victim of major identity theft. Why these people emailing my sending documents to my address? I well Told all three companies to mail me everything. The person who stole my identity has my email address. First they told me that XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX , was right and current. They are extremely Wrong. These companies I never opened. Got a car loan or got credit. It was done by XXXX XXXX who stole my identity. He opened them I am not responsible for these accounts.Did you not get my information well here is the documents. Also I have a credit Freeze, fraud alert on all 3 credit reports. Trains Union and XXXX  aloud banks to inquire my report. The documents are uploaded. I also uploaded my police report and confession letter stating XXXX XXXX confession to the crime. This letter was written by him. He is still trying to get another drivers license from the DMV. He is using my personal information to inquire for credit car, loans. FIX this information NOW!. XXXX  did nothing. I also uploaded my driver license and a copy of a utility bill to prove its me and they are wrong XXXX is wrong. They asked my to upload my driver linces and a copy of my utility bill.
Attempted to collect wrong amount. I never had the services for the above said amount {$340.00} from XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me Because of this my credit score has been drastically gone down. Please help me asap.
The following items need to be deleted :  XXXX   XXXX  : Account Number  XXXX  - This is a duplicate account, please delete from my credit report.      XXXX   XXXX   XXXX   XXXX  :  XXXX  - This account should have a  XXXX  balance. It was refinanced with  XXXX   XXXX . The current balance is {$14000.00} which is incorrect.
I attended XXXX college from the summer of XXXX through the winter of XXXX to receive an associates degree. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXXDusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXX I signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out on XX/XX/XXXXand this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.
Being harassed.. phone calls and threats. Told Wells Fargo Dealers services that I was unemployed for 2 months and I will send what I can send. Threats are not the way today treat individuals that have been unemployed. Did n't anticipate being unemployed. Talked to them and told them I will pay what I can pay because for 2 months all my bills are behind and just now getting a job and getting back on my feet.
I called the 3 major credit bureau to dispute a series of inquires that were all reported on the same day. I called the bureaus and they said they were not able to help me and I needed to call each of the people that were reporting the inquiry. When I contacted each of the companies they some of them told me they were not able to pull up my information and that I needed to speak with the credit card bureau. And the rest of them said that I needed to submit a dispute with the credit bureau 's. 

All are reported on XX/XX/17 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
This is the second year I have problems getting my credit report from Equifax. I got my credit report without problems from XXXX and XXXX but Equifax is asking security questions that are not related to my, with wrong information, making it impossible for me to access my credit report, they claim I have a store card witch I do n't have, this is not the first time I have problems with Equifax. They are requesting me to send a form and copy of my social security card proof of address etc.
I was informed of the breech that occurred with the company Equifax. Today on XXXX XXXX, 2017 I entered my information and it stated that I may have been affected in the breech. I tried to do a freeze of my credit with Equifax and it stated I needed to pay {$10.00}. Pretty sure that I should not be liable to pay for anything related to their breech. I wanted to report them for this. If you can help in any way I would appreciate it. Not sure what to do next.
US Bank reorders transactions. I was expecting a bill payment to come out in the amount of XXXX dollars, and then I had a few other transactions in the pipeline. The transactions on Monday were in order the way they should have been. On Tuesday, the transactions were reordered from highest amount to lowest amount. Instead of getting XXXX overdraft fees, I got XXXX overdraft fees for all of the smallest amounts. There will be another overdraft fee pending even though my balance is positive which will bring it down in the negative again. And the worst part is I bet I will get a sustained overdraft fee to add to the pain. 

It 's impossible to budget and keep the balances straight when transactions are ordered incorrectly. When I have to pay a whole round of bills, I want things to hit the account in the order in which they were processed. No excuses about the merchant is waiting to collect funds.
I just want to follow up with a previous complaint about Nationstar and their fraudulent customer service practices. I received a call from Nationstar and the person handling my account XXXX XXXX # XXXX. I missed the call and a minute later called back and could n't reach her. I left a voice message. A minute ago, I get a call from the same number and they hang up. I call back and I get the voice mail of XXXX XXXX. I called from my work number and it said the # was n't a working number or the call could n't be completed as dialed. How is that possible when I just received a call from someone from nationstar who hung up right as I answered? This is the customer service issues I am experiencing and have been experiencing since my morrgage was transferred over to this company. Until some government entity intervenes and investigates I am stuck dealing with this deceptive company and their questionable business practices and tactics to steal my home. Again, please help.
The lender failed to provide the detailed explanation required by Regulation X,  12 C.F.R. 1024.41 (  d ). of the denial of a loan modification- the lender has stated that due to an HOA foreclosure they will not review for a loan modification - there are no provisions stating that a review for a loan modification can not be completed due to out side factors such as the  HOA  FC. While the client is working on paying the  HOA  and working out an arrangement to do so we requested a loan modification review to be completed.
I purchased a used car in XX/XX/XXXX I was supposed to be done paying it off in XXXX XXXX. The company says my loan has matured and I am now being charged XXXX dollars a day until its payed off. I also am not able to view my account online.
( 1 ) I was making my payments ... ON TIME & just before I was to leave for the LAST family reunion I would 've ever had, & without any explanation, reasonable or otherwise, they Decreased my limit. Every time I made payments thereafter, they continued to decrease my limit & I 've been unable to use the card ever since.They continue to do so & while they 're at it, they 're attaching Over the Limit fees. How can I be expected to remain under the limit if they keep lowering it? I feel as though I 'm between a rock & a hard place because I sacrifice to make more than the required payment only for them to suck it up & leave me with nothing to show for it.

( 2 ) Some kind of way, Someone, REPORTED THE CARD LOST OR STOLEN, & it WAS N'T ME. Obviously & Again, my plans were altered due to NO fault of my own. They had NO explanation & to add injury to insult, they offered me a whole {$25.00} in recompense.

( 3 ) On a RECORDED line, I reported the loss of a rental car & they told me that the co would NOT be able to come right back & charge the card anymore. Well they did ... I had to talk to several agents & they ALL told me the same thing. They even issued a new card & STILL allowed the agency to charge that one ... Do n't recorded " promises '' mean anything? Every time I turn around, there the charge is AGAIN & interest on top of it.
Without my consent Navient has been charging me ridiculous amounts of money and auto-drafting it out of my account. I have told them numerous times NOT TO AUTO-DRAFT, but somehow my loans are still in auto-draft mode. The interest for my loans is {$420.00} if I do n't make any payment on the principle. However WITHOUT MY CONSENT Navient has been charging me anywhere from {$640.00} to {$890.00} a month without telling me which payment I will have to make. When I tried to contact them about this I was literally forwarded, maybe a 3 way call and the rep hung up on me, to XXXX XXXX XXXX XXXX. 

Every time they say they are going to stop this behavior the do not.
Chase Lease vehicle payments Lease rental payments Utilities bills All want cash and wont show any deposits made
I recently checked my credit report for the first time in a while and i notice items on my credit report that i didn't agree to. I would like these items removed immediately. They are not mine. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AT XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX A XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/UXXXX XXXX XXXX   XXXX XXXX. I am doing this own my own behalf and have contacted my police and the FTC.
On XX/XX/XXXX Southwest Recovery Services reported on my XXXX report that I owed {$810.00} on an individual account taken from original creditor XXXX XXXX XXXX XXXX. Stated it was opened on XX/XX/XXXX which I have not opened any new accounts at that time. Tried calling XXXX ( XXXX ) XXXX pressed option 2 to speak to someone regarding credit reporting office regarding a issue appearing on your credit report. Rings several times then you are disconnected or occasionally you can leave a voicemail for an individual. After several calls was informed this was a payday loan however other than that they just refer you back to XXXX XXXX XXXX which has no information as the debt was removed from their office
Home Depot Credit Card Serviced by Citibank has made multiple calls to collect a debt that was only a couple days past due. 

There were several calls made at the end of XXXX into XXXX but my phone log had cleared those. However below is the call log from the last 3 days. 

On Thursday XX/XX/2019 the company called 4 times, leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. 

On Friday XXXX XX/XX/2019 the company called 4 times, again leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

On Saturday XXXX XX/XX/2019 the company called 4 times, once after I had already taken care of the payment, leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. I had called and made a payment via the automated system at XXXX XXXX  for {$25.00} which cleared the past due amount. 

The payment was due XX/XX/2019 and a partial payment was received for {$30.00} on the due date. I am aware that my minimum balance due has increased and I was not aware that this company did not automatically charge the higher amount, much like all others, when the payment is set for autopay. I have signed in to change the amount for autopay each month to meet the minimum due.
On XX/XX/XXXX, I discovered that my personally identifiable information may have been disclosed without my authorization due to a data breach. On XX/XX/XXXX, I mailed a XXXX XXXX XXXX XXXX form to the XXXX XXXX XXXX XXXX  service, asking for a free copy of my credit report from Experian, if it existed. On XX/XX/XXXX, I received a response from Experian stating that they did not find a credit report because I either " did not provide sufficient identification information to verify your identity, [ I ] have not established a credit history, or the information [ I ] provided was not legible. '' The response stated that Experian was able and willing to recheck their records if I asked. 
On XX/XX/XXXX, I sent a reply to Experian asking for a reinvestigation. I included copies of the documents that Experian requested along with a letter of explanation that I desired to receive a conclusive determination for whether or not I had a credit report, and if I did, to provide me a copy of it. On XX/XX/XXXX, I  received a response from Experian which again stated that they were not able to provide me with my credit report. However, instead of clearly answering my query, Experian provided the exact same collection of possible reasons why it could not provide me with my credit report. No definitive statement was offered about whether or not a credit report in my name existed in Experian 's credit reporting database. 
On XX/XX/XXXX, I sent a second reply to Experian, again asking for a reinvestigation, and emphasizing that I desired to receive a clear and unambiguous statement that I either did or did not have a credit report within their database. I included copies of all of the requested documents Experian requested in their letter to perform their investigation. 
On XX/XX/XXXX, I received a response from Experian identical to the one I  previously identified as inadequate. In spite of my two direct and reasonable letters, Experian has failed to answer with an acceptable degree of specificity whether or not I have a credit report within their database.
Approximation a year and 1/2 ago I was searching for a part time job over the internet to supplement my full time job to help my children pay for college. I was offered a position but it unfortunately was a fraudulent scheme. Unknowing that it was fraud, I took the check that they sent me and opened an account with Well Fargo and deposited the check. No money was withdrawn. Upon the check not clearing, Wells Fargo then closed the account which I completely understood. Well Fargo said that this incident will not remain on my record and encouraged me to open an account with them in the not too distant future. 
A XXXX has since transpired. Because of financial difficulties, I decided to take a lone out from my XXXX. The XXXX management firm sent me check as a lone in the amount of XXXX dollars. I then took that check to Well Fargo to open an account and deposit it. I explained to Wells Fargo of the fraud incident that occurred a year and 1/2 ago. They expressed that it was not a problem, opened an account and presented me with a debit card which I successfully used the next day. When I went to use the debit card the following day, I was informed it was no longer active. So I immediately when to Well Fargo to understand what happened. Well Fargo told me that due to the fraud that happened XXXX ago, they were putting my check on hold until XXXX XXXX ( approximately two weeks ) at which time the funds would then be available. Please keep in mind that these funds were needed to pay normal household bills. During this time I spoke to the Well Fargo branch staff as well as numerous toll-free numbers that the bank offers. These efforts to resolve were all unsuccessful. So, I made agreements to be able to survive financially until XXXX XXXX. On XXXX XXXX I went back to Wells Fargo to make sure that the " hold '' on my account was lifted. It was then that I was told that the hold was not lifted, and the account is being closed. A check would be mailed to me and would take 5-7 business days to arrive. Again I spoke to bank staff, called toll-free numbers and I also attempted to write Wells Fargo an email ( their web-site would not accept the email request since my account was on hold ). 
In my opinion, if Wells Fargo was going to freeze my account, then this should have been told to me up front and I would have made different arrangements. Secondly, they were incorrect when they said the funds would be available on XXXX XXXX. They instead held the funds for two weeks and then said they were sending me a check through the mail. I asked them if I could get the funds wired if I paid the fee. They again declined to do this. Finally, I believe it was unethical for Well Fargo to accept my money to then make it inaccessible to me for over XXXX weeks.
XX/XX/XXXX I wrote to TransUnion to complain that they were inaccurately reporting the age of my credit history, specifically the age of my XXXX XXXX credit card account XXXX formerly an XXXX Bank XXXX account until XXXX bought Bank XXXX ). I received a response today which addressed only the history of my XXXX XXXX account, which was not in dispute. I then called TransUnion to try to provide additional information, specifically that I could prove that the XXXX credit account had been open for at least 11 years, and probably longer. ( I am waiting for verification from XXXX as to the exact date, but I have statements dating back to XX/XX/XXXX ) I spoke to a customer service representative named XXXX, who told me that while I had had several XXXX accounts over the years, each XXXX had been closed at my request. I told him that that information was incorrect, and reiterated what I had written earlier : '' The problem appears to originate with the fact that XXXX assigns a new account number at least every three years. XXXX XXXX probably does as well. In recent years, new XXXX account numbers have been assigned with even more frequency after hacking breaches were discovered at stores such as Target and Home Depot. I have no control over such account number reassignments, but it has always been the same account. 
I realize that this request may be of little importance to TransUnion. But I am annoyed by the fact that, after a lifetime of prudent financial management, my credit score is n't perfect. Would you please, therefore, take steps to correct your records? " XXXX response was far from satisfactory, even after I went into greater detail as to how, even when the account numbers were changed, pending charges and my XXXX rewards credits were carried forward to the new account number. He emphatically stated again that I had closed each account, and that TransUnion would do nothing to further investigate the matter. 

Other than frustration at not being able to change my score to a near-perfect rating ( according to XXXX, my TransUnion score as of today is XXXX ), this problem does not have any particularly negative impact upon me. But XXXX people who apply for car loans, mortgages and credit cards have their interest rates determined in large part by their credit ratings. It strikes me that credit reporting agencies such as TransUnion may very well be colluding with banks to intentionally lower credit scores in order that banks can justify the imposition of higher interest rates. 

Thank you for any help you may be able to offer concerning this problem.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and creditors are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
My Capital One credit card was paid off, XXXX balance in XXXX XXXX. Cap. One reported to the credit bureaus my acct was past. In XXXX XXXX, Cap. One reported the acct 90 days past due. In XX/XX/XXXX, Cap One reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX in XXXX XXXX File noXXXX. Cap. One responded to XXXX acknowledging the account was paid off in XXXX XXXX. Eight months later, Cap. One still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. Cap. One has knowingly and purposely caused negative affects to my credit report.
I had misplaced/lost my citi credit card and promptly reported this ( online to block the account ) and called the customer service on XXXX XXXX, 2015. I was informed that I would be receiving a new card in XXXX days. In addition, was given some bull about the card, which I know for a fact to be untrue. On pressing for additional details, the agent clammed up. 
I called back on XXXX XXXX to inquire about the status. The rep ordered an additional card ( which I did not ask for, all I wanted to know was the status ). 
Been 14 days since the XXXX report ( call ) and 7 days since the XXXX and no card yet. Called again today, XXXX XXXX and was asked by the rep if I would like to close my account. 
Been a citibank customer for over 7 years and this is the XXXX time that I 've faced such an issue with the card not being sent out and jerked around by the call center reps. 
It 's getting increasingly difficult to deal with call center employees who do not understand/care, do not give a straightforward answer and cause additional hassle, after getting through the IVR and waiting on queue to speak to a human being with the expectation that the problem will be solved.