WillisBack/dataset-financial-user-claim huggingface dataset:
I was a victim of an identity theft ring who broke into my storage unit in 2015. Shortly after they created multiple shadow identities and secured a loan through XXXX XXXX. When I checked my credit after a notice of charge off I immediately researched and they had a copy of my ID and all my information from files stolen in that unit.They leased an apartment in my name and opened multiple credit cards. I have been attempting to resolve this collection filing complaints with all three credit bureaus and filing two police reports. There has been no cooperation from Exeter at all on this matter.
XX/XX/2017, Bank of America had closed the company business checking account and the remaining balance of {$7500.00} was not returned to account holder.

I had called Bank of America Customer Services many times, long waiting on the phone, no specific reason given why account closed and finally hang up customer calls. Even sent to a couple written letters directly to Bank of America by U.S. Postal Certified Mail. Months had passed, Bank of America did not reply. Land line calling many times, customer service put me on hold for hours and later disconnect the line.
On the XXXX-2017 i called COMENITY CAPITAL BANK to find out about my account because of a late fee they had put on the account she proceeded to tell me the reason they applied the late fee is because the payment had arrived late I told her how can the payment arrived late when it was sent to you electronically. Then I asked her or you going to remove that late fee because at the time the balance of the account was only {$2.00} that was due and they had posted a late fee of {$35.00} when she said that they were not going to remove the late fee I said okay well then cancel the account then she asked me to whole on for a little while and she went and talked to someone and then came back and told me if I did not close the account they will remove the late fee so I agreed with that and she told me that the account would have a XXXX balance at that time so I agreed to keep the account open providing that they remove the late fee and put the account at a XXXX balance. But then I checked the account again and find out that they were still adding late fees to the account I cancelled the account. and at the time of canceling the balance was {$56.00}. I closed the account because they did not live up to the agreement in which they stated on the XXXX month XXXX 2017. <P/>Account # XXXX -- -- ( CREDIT CARD ( XXXX ) Also I want the negative items that was placed on my credit report removed immediately if not done so I intend on filing a lawsuit to obtain damages. <P/>Also I want them to stop calling my telephone 5 to 4 times a day here 's the proof that they did so.
Barclays Bank of Delaware was made aware that it was opened fraud. I did not open this account and I asked that it be deleted from my info. I sent them a copy of the police report and sent numerous letters. they were suppose to delete this from my info and not report as closed and still left it on my credit report. there should be laws governing these type of maneuvers by consumers against people who file complaints. I have spent years trying to get this company to remedy this complaint. I have sent the following documents listed below Copy of Police Report copy od Drivers Kicense Copy of Social Security Card Numerous Letters
I had fraud on my account. XXXX XXXX did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( Transunion and XXXX ) and my score has dropped drastically .This needs to be fix asap
I have been trying since  XX/XX/XXXX  of this year 2017 when I was laid off until   XXXX   XXXX    2017  when I finally went back to work to get payments straight i got behind during the lay off and have been contacting and trying to get this straight I completed all the paperwork they sent me over and over because the keep saying things are missing I always catch up my payments after a lay off but they will not work with me they sent out a demand letter after i had been contacting them as soon as I knew about the lay off and that i would have to make up payments because i had no income during this time and all they did was send paperwork and keep asking for more and more and refusing to set up the payments they will not talk to me I am fed up with this company I know they can help me I have worked with other mortgage companies and they always help but I think this company is stalling so they can take our property behind out back I ca n't afford to lose my family and I have no where else to go we need our home we need help fighting this company and getting them to help us with catching up and getting back on track which can be done if they would just listen to us and help us get these payments paid oh the companies is FAY SERVICING LLC and they are awful we had a mortgage with   XXXX   XXXX   and they sold or traded our mortgage to this company last year with out our knowledge until it was all done and we have had nothing but trouble ever since they are mean hateful people and will not discuss anything they just keep saying that they ca n't help because the demand letter has been sent out that is a  crock       XXXX   XXXX   sent out demand letters as well but they always helped us work out payments so we could keep our house this company is not out to help they just want to take everything I have worked hard for and I ca n't let the do this I need someone to listen to me and get this company to listen and quit saying there is nothing that they can do for us ..
2016 year I do not want to be called nor harassed by any payday loan debt collect.
Please see attached document for full description of complaint. I am demanding a letter detailing the procedures used to substantiate TransUnion 's investigation into the validity of two accounts. 1. XXXX XXXX XXXX XXXX 2. XXXX. 
**********Please note I am preparing to take civil action if this is not resolved properly*******
I currently have a lawsuit pending with Midland Funding/ XXXX XXXX in which they are trying to collect almost double the amount that would have been due to the original creditor. Additionally, they have submitted documentation such as general bills of sale, computer generated account information, robo signed affidavits, etc. These are violations that they were just recently cited for in the CFPB consent order. They have provided no actual business records and the information that they have provided is generally incorrect.
Hi, on XXXX XXXX 2016 I purchased a XXXX XXXX pre-paid card at XXXX. I opened the package to find the card was clearly tampered with and when I checked my balance instead of {$500.00} there was XXXX and a transaction by someone else for the rest. I followed XXXX procedures and submitted a receipt, my drivers license, and pictures of the gift card. They promised to get back to me in 4-6 weeks. Its been four months and every time I call they say " its processing ''. They have my {$500.00} hostage and I really hope you can help! 

Thanks, XXXX XXXX
I took out a payday loan in 2012, I lost my job shortly thereafter and they kept charging my bank account. I eventually closed my account and paid the overdraft fees of approximately {$140.00}. I have moved a couple times since then due to my fiancee 's work and and my family is receiving threatening calls from a lady who states she is issuing a felony warrant for my arrest due to non-payment. I contacted her yesterday, as per I was a XXXX, and told her she is in violation of the FDCPA and to stop contacting my family. She said she will contact whoever she wants and in XXXX hours there will be a felony warrant issued for my arrest. Her name is XXXX XXXX, with XXXX, XXXX and XXXX out of XXXX, her phone number is ( XXXX ) XXXX. She has given third party information to my sister in XXXX, my mother in XXXX, and is contacting my sister 's husband on his cell phone.I asked her to cease and desist all verbal communications and to contact me via email, she became irate and started yelling and screaming that she 's coming for me. I was at work, so I just hung up.
Was advised that on the tenth business day provisional credit would be issued in my checking account in reference to a claim, fraudulent and unauthorized activity with my lost and or stolen debit card on XXXX/XXXX/2017. Credit has still not been issued. Claim ID XXXX
I am XXXX years old and will spend the rest of my life having to freeze and unfreeze my credit accounts because of the Equifax security breach. As I move towards buying my first house, I called to unfreeze my account so a mortgage lender can review it. The online and phone systems both do not allow me to unfreeze, and also alerted me that after XX/XX/XXXX, I will be responsible for paying for freezes and unfreezes. This is blatantly unfair that the burden rests on consumers to pay these fees. They have essentially, in the process of poorly safeguarding incredibly sensitive information, ensured themselves ongoing profits! This is unacceptable. 

As a financial institution, this security breach shows that this company should not be trusted with consumer information that can make or break our lives. I 'm writing to request that the CFPB do whatever it can to shut Equifax down, and to please include me in any class action suits against them.
XXXX XXXX is been reporting on my credit since XX/XX/XXXX. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.
XXXX XXXX, last four XXXX Company complaint regarding XXXX XXXX XXXX  Following up to a previous complaint filed, I felt that Premia made numerous false statements in their response. I am mostly concerned with their assurance that they only requested a credit report twice. I have their requests for the following dates : XX/XX/XXXX ( prequal ), XX/XX/XXXX, XX/XX/XXXX -- credit reporting is also showing an inquiry on XX/XX/XXXX which is when I received a relocation package stating that Premia was the loan provider I should use. 
My second concern is regarding determining rental income. I recently visited with the local HUD office in XXXX XXXX, PA where we went over my tax returns, rental statements and rental income according to HUD 's policies. We also made similar calculation using XXXX XXXX and XXXX XXXX  requirements. 
According to XXXX XXXX XXXX, the rental income did not qualify as income based on HUD. HUD explained that Premia 's team did not read the requirements for calculating which clearly state how to handle one time only expenses, tax deductions, and days rented. I provided documentation that my rental property was only in service for seven months of XX/XX/XXXX, 12 months of XX/XX/XXXX, and current through XX/XX/XXXX ( now 10 months ).  XXXX XXXX through his conversation with me and his conversation with my realtor, XXXX XXXX confirmed that he did n't look over the tax returns provided ( included XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). He based his continuous assertions that my income vs debts satisfied the qualifications for a FHA loan at 3.75 %. 
Clearly, Premia ignored, disregarded or were not competent to review financial documents for the purpose of qualifying consumers. Or, as stated in my original complaint, Premia 's intention is to defraud consumers. 
In addition, Premia asserts that I contacted them for a conventional loan. This assertion is false. I can provide emails back to XX/XX/XXXX that show that no conventional loans were discussed. Premia only discussed a conventional loan after claiming I could not qualify for a government loan. 
My complaint and request for action : 1. Premia clearly does not honor rate lock contracts evidenced by their efforts to claim that a rate lock is contingent upon a credit score. FHA/HUD does not have that standard. Premia does not have that clause included in any contracts. 
This action represents contract breach and violations of Federal Codes. 
2. Premia by and through its agent, XXXX XXXX, solicited and enticed a consumer to apply for a government loan. Then, Premia claimed the consumer did not qualify and pushed him/her toward their own private/ conventional loan products. This falls into the realm of fraud. 
3. Premia 's statement in response to previous complaint included deliberately false information and therefore intended to interfere with government processes and investigations.
I had a credit card with XXXX. They kept upping my credit limit and charging me XXXX every time without me asking them to. Then, I made a payment at XXXX XXXX on due date and they said it was late because it was after the business day ended. They charged me a late fee which made me over limit and charged me an overlimit fee. I refused to pay and they closed my account but charged me late fees and overlimit fees for 12 months. Account was bought out by Midland Funding XX/XX/XXXX. They began sending me settlement letters telling me if I took the deal, they would reverse my Interest charges. I called and they would not send me a contract in writing saying that fees would be removed, so I told them I was not paying. They began calling me up to 5 times per day even though I told them I knew they could only call once. After I threatened to sue, they stopped calling my phone and started calling my parents house and sending letters there. They had my confirmed address and phone number so this was also a violation. I had to call them again and asked them why they keep contacting my parents. I am XXXX years old and married with XXXX kids. I have never lived at the address my parents live at, and I have never used it for anything. They said that they never got any reply to the letters they sent me so they sent them there. The last letter they sent was on XXXX XXXX, XXXX. I called on XXXX XXXX, XXXX. They denied making calls and told me I could not prove it. They said the last record of a call is XX/XX/XXXX. That is a lie.
I checked my credit report and found a small credit card debt with Macy 's ... but the bill was going to the wrong address. It 's gone into default.
I was living at XXXX XXXX XXXX in XXXX XXXX until a month before XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are given to soldiers a month or 2 before XXXX so soldiers can get out of leases and turn into certain creditors for lower interest rates during a XXXX cycle. I received my XXXX XXXX   on XXXX XX/XX/XXXX and turned them into the office at XXXX XXXX. They did not honor my XXXX XXXX. I continued to clear my apartment in a timely manner and had paid first and last months rent upon moving in. To include a security deposit that would have covered any cleaning upon me leaving. I did not receive my security deposit back and paid my pet fee to the front office. My mother co-signed the lease with me and this is on both of our credit reports for over 6k in fees. For one the apartment complex never contacted my mom or myself before leaving in XX/XX/XXXX. The debt was sold to a collection agency while I was XXXX, and me and my mom have been dealing with harassing phone calls ever since. My mom started receiving calls shortly after me leaving and she asked the collection agency ( Hunter Warfield ) to provide a by name list of charges against me. She did not receive a by list charges until XX/XX/XXXX ... .and over a thousand dollars in interest charges from a collection agency we had no contract with. My mother has sent to me the bills they have sent as well as the by name list of charges in which I find to be totally fraudulent. I should never of had a fee for last month rent because I paid first and last month before moving in, I also accrued fraudulent cleaning charges that my security deposit would have covered, I also should not of had a lease termination fee of over XXXX with XXXX XXXX. Not to mention pet fees and so on. The list is crazy. To think this is how companies operate and treat deploying soldiers. And then sell the fraudulent debt to a head hunting collection agency on fraudulent grounds. And then to have fees of over 1.5k from a company you never had a contract with and bought this fraudulent debt on pennies to the dollar. To get this rectified would be wonderful. I have tried disputing with all three credit bureaus with no luck. I truly feel this is my last step to get this resolved. I am a father of five and can not purchase a house for my family because of this on my credit report. I am almost XXXX and have never owned a home for my family. Please help this XXXX veteran clear me and my mothers name in this matter. Supporting documents follow ...
I am a long time customer looking to be product traded to another credit card, as my needs have changed. Other companies have done this for me in the past and I requested twice to have this done and have been refused. There is no reason why this ca n't be done.
I started their program in XXXX of 2012. I believe they processed illegal advance fees, is association with the Law Firm Credit Advocates. 
XXXX XXXX Debt SpecialistXXXX XXXX, FL XXXX : XXXX Ext. XXXX : XXXX : XXXXXXXXXXXX entire fee schedule for Global Client Solutions and XXXX was paid prior to the settlement of the first accounts.
Rent Recovery Solutions, LLC ( File No : XXXX ) is trying to collect a dept on behalf of XXXX XXXX, TX. My daughter was going to share an apartment with a friend several years ago and listed me as a co-signer. I received XXXX prior to her moving in, and she chose to move with me. She talked to the manager at the time and gave them a copy of my orders and also found another person to replace her as a leasee. The manager appreciated us doing that and told us that it was taken care of and there were no issues - issue closed. Several years later, they are saying that we owe them money for rent. We never heard from them in the interim years, and have moved a few times since then. When I asked them how they could even consider charging us for rent when we found another person to live in the apartment, they said they just decided to charge us for a different room without telling us. The new manager from the XXXX emailed me when I called her to complain and said she would look to find the lease and related paperwork and keep me in the loop on the status, but that was several months ago and I have no indication that they ever found any paperwork. They have now reported this to the credit companies and this has negatively impacted my credit right before I 'm closing on a mortgage - and could cost me thousands of dollars. Still, I 'm not going to pay something that I do n't owe. It does n't seem legal to try and collect on something that was never owed, especially after waiting several years to say that we owe money.
Hello My identity was compromised around XX/XX/2016, and I then reported it to the three different credit bureaus asking them to implement a 'Fraud alert ' on my account, so that if anyone opened an account, they would need to verbally confirm with me. 

I just found out last week that Experian had implemented a Credit Freeze, instead of a Fraud alert. It appears they are using this as a method to get people to sign up for their IDWorks ( {$24.00} per month ) which I did in an effort to get the freeze removed. 

Also, there is NO PHONE NUMBER where you can talk to them directly. The only way to get through was to sign up for the {$24.00} per month plan. 

Outrageous! Since I can not get a credit card without them removing the freeze!
I went to the XXXX Hospital in XXXX to pay off this bill. 
This is a facility that caters to the poor. I had to go there years ago when I was not married and I had a severe medical issue. 
Anyway, I drove around for an hour. There was no parking lot and no parking on the street. The place was a zoo. So I went back home and tried to telephone them. Finally, I spoke to this person at Alliance One Receivables who took my payment. 
The only reason I paid was to redeem my credit score. 
After I made the payment, I asked the person who assisted me could I have a paid in full letter. He said they do not do that.
Equifax has been compromised and I, along with 143 million others, have had information stolen due to their incompetence. Now all of their services are down. On top of it all, they want us to use their subsidiary to protect our identity while simultaneously having us opt-out of the ability to bring a class action lawsuit to them. 

This is unacceptable.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Phone Errors : Phone : XXXX XXXX XXXX Phone : XXXX XXXX XXXX Name Errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX
i recently sent experian two documents reguarding an account on my credit report via certified mail, i also sent a photo id and a social security card..both documents were very clear in detail, one which under federal law and spelled out very clearly was basically not honored or reviewed, as an employee lied to me about what i requested..i sent a method of verification letter which clearly stated the account i was inquiring about, which states under FCRA 611 ( a ) ( 7 ) that i have the right to receive the documents that they have used to verify the account was mine, within 15 days.the agent i spoke to told me that they dont have any documentation about the account and that they arent required to send it to me.so experian sent me a letter stating that they couldnt honor my request based on the limited amount of information regarding my dispute when clearly in the heading of my method of verification letter that they received it states the name of the account that i am inquiring about.
I would like your help on getting EXPERIAN to do what they are required to due in a matter of Identity Theft. EXPERIAN has been ignoring my notice of fraud on XXXX student loan accounts even though I sent them documentation of the court case and successful prosecution against the person who committed fraud against me and the XXXX and XXXX student loan companies. 

Not only did I not sign any loan agreements, or have knowledge that my name was put on the loan documents but the prosecutor also got a hold harmless document included to protect me in regards to this matter. 

I want these accounts removed from reporting on my credit report and a block placed on these accounts. 

Attached are copies of the court papers with sentence, the hold harmless ( specifically pages XXXX through XXXX ), XXXX of a number of letters sent to EXPERIAN disputing the Identity theft XXXX pages of the EXPERIAN credit report The latest refusal by EXPERIAN to block the identity theft and their decision to ignore me and the facts. 
Total of XXXX pages Note : part XXXX of docs are pages out of sequence but numbered ...
I am getting harrassing calls, multiple times a day, XXXX times a day. I even get voicemails, and they still call anyways.
I have payment due dates for both Citi Cards and XXXX Cards on the XXXX of every month for which I send payment via USPS not less than one week pior to due date. On XXXX XXXX, 2016 I sent payment to Citi and XXXX for full balance due. XXXX Card posted my payment on XXXX XXXX, 2016 with an email acknownledgement. I checked my Citi account for an update for payment to find I had been charged a late fee and interest. I disputed these charges because the USPS has predictively made delivery within ( 3 ) or ( 4 ) days from mailing deposited day. I requested these charges be removed from my account