WillisBack/dataset-financial-user-claim huggingface dataset:
AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI, INC. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I never authorized my credit to be run and it shows up on my XXXX  credit report as a hard inquiry which ultimately lowers my score and this account is on my credit file in error.
Attached is a letter I received from Debt Recovery Solutions , LLC dated XX/XX/2018 on behalf of XXXX XXXX. The letter stated the account was purchased from XXXX XXXX. They are requesting that I pay {$640.00}. I stated to them that I did not take out a pay day loan from XXXX XXXX or from any other pay day loan company. I called Debt Recovery Solution, LLC and spoke with XXXX on XX/XX/18. I tried to explain to him that I do not owe the money because I did not take out a pay day loan from this company. He was very rude and aggressive on the telephone. I state to him that I was going to contact the CFPB and file a complaint on the company.
I went into a Wells Fargo branch located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX the afternoon of XX/XX/2016 to open a new Checking and Savings Account. I provided the bank rep with my current AZ drivers license and my XXXX credit card for my forms of ID. I had deposited a total of {$3000.00} into the Wells Fargo account. {$1000.00} was to be placed in savings and {$2000.00} was to be placed in checking so that I could resume the pending transaction that had been scheduled for the coming weekend which would of been my XXXX mortgage payment and my XXXX car insurance. The banker had gone over the account types and pre qualification for a Wells Fargo credit card and asked me to sign electronically if I had agreed I was opening up savings and checking as well as I may be pre qualified for a credit card. After my deposit had been complete the banker printed out all form she had advised me of. She proceeded to advise the direct deposit slip was enclosed in the new member booklet along with temporary checks and temporary XXXX member card. Bank rep advised I was good to go. Later that evening when my family returned home I went only to update my job direct deposit and to set up my mortgage and car ACH payment. At that point is when I realized the information the bank rep had for the new accounts I had set up along with my funds was set up under the wrong name and a completely different state. At that point I assumed it may just be a simple clerical error so I proceeded to contact customer service to attempt to get the issue of the name and address change. The customer service agent was not able to provide me with any information on my funds as he stated my social does not match. The account was set up under the name XXXX XXXX XXXX in XXXX XXXX. I was unable to process my mortgage payment as well as my car payment and had to max out my only {$500.00} secured credit card which I had just paid off days earlier. I had attempted to pay my mortage payment and car insurance by visa but was unable to as they require routing and account information, when I provided my routing and account number provided by Wells Fargo they both had been declined as information did not match. Then end result is my XXXX account and credit card had to be maxed out and overdrawn in order for the payments to be processed. I do not have access to my funds I am not able to pay for gas at the pump nor may any payments. I am taking my son to XXXX driving out from AZ on XX/XX/2016 and will be returning XXXX I need access to my funds immediately.
On XXXX/XXXX/XXXX I received an alert from my credit monitoring company the a new collection account had been added to my credit report. I was unaware of any collection accounts as I pay all my bills in full every month. I obtained a copy of my credit report from Equifax and discovered that 4 collection accounts were added to my credit file totaling over {$3600.00} XXXX XXXX XXXX {$900.00}, XXXX XXXX {$450.00}, XXXX XXXX {$1500.00}, and XXXX XXXX XXXX {$640.00} ). I also discovered that my credit score had dropped 50 points because of this. I immediately submitted a dispute online with Equifax notifying them that these accounts did not belong to me. I also called all 4 companies to try to figure out what was going on, and all 4 companies advised me that they did have accounts with the name XXXX XXXX, however the address was different than mine and they also had no social security numbers in their records, all 4 confirmed no social security number. I was told to file the dispute with Equifax and that since there was no social security number Equifax must have added these account to my file just based on the same name which they are not supposed to do. The address on all 4 accounts is XXXX XXXX XXXX, XXXX XXXX, FL XXXX which I do not live at, nor have I ever lived, nor do I know anyone that has ever lived there. Upon further review I realized that Equifax had also added that address as being my address on my credit report, which is not so. At this time I am unable to access my credit file with Equifax online, I receive a message stating that my personal information does not match their records. So I have called multiple times, waiting on hold in excess of 20 minutes each time, last time being on hold for an hour and half, only to be told that their investigation is ongoing and it will take 30 days to resolve. That even though this information was added to my credit file erroneously I have to wait 30 days for Equifax to decide if it is correct or not. They also  refuse to remove the erroneous address from my file even though I have faxed them copies of my drivers license, utility bills, and my social security card. I was simply told that I would need to contact all of the companies and resolve the issue with them directly. I advised Equifax I had already contacted the companies and that they do n't have y social security number so how could this be added to my credit file. The explanation was that I would need to contact them again. I have since filed a police report with the XXXX XXXX police department for identity theft and placed a fraud alert on my credit reports with all reporting agencies, but despite all of the information I provide to Equifax they still have not ( refuse to ) updated my credit report accordingly. This has been a great inconvenience on me, we recently had hurricane Irma hit us in Florida and sustained damages to our home and vehicle, we were in the process of replacing the vehicle when all of this came up and now my credit is such that I can not obtain a new loan. Equifax is not doing anything to help rectify the issue, only acting as if it is my fault.
At the time of purchase of the vehicle XXXX XXXX lead us to believe that XXXX XXXX my daughter was the head of contract and I XXXX XXXX will be the Co Signer, Later to find out he switched the info the other way around. Also later after we have retrieved the vehicle I learned that the vehicle was never smoged and the car was not all the way registred through the DMV because it has not been smogged. It is illegal to sale a car from a car lot with a certfied smog. I notfied XXXX that the check engine light was on and that the car was leaking from the coolant reservoir tank. He had paid a smog place XXXX dollars for am illegal smog. The address of the smog place he went to is XXXX XXXX XXXX XXXX XXXX, CA XXXX. He has been sending Text messages from his cell phone XXXX stating Lets hack this situation, I 'll will send you the bill of sale and in the bottom youll read i appoint XXXX as my power attorney to finish all documents in this manner. I 'll email it soon. Im protecting myself from legal issues. Also the dealership is not on a lot. It is a house that he live in with his wife and XXXX dogs and a horse. XXXX has lied to me and the financial company, He is not operating a real legit business. I feel I do not owe Lobel Financial XXXX XXXX does. He lied to them as well as me and they released funds to XXXX XXXX owner of XXXX XXXX XXXX, XXXX that he used to get married. I put XXXX down for the vehicle. I want my money back I put down on the vehicle an the money I have to spend for repairs for the vehicle can pass smog.
I 've been dealing with Shellpoint Mortgage Servicing since they bought my Equity loan from XXXX in XX/XX/XXXX. I 've been trying since XX/XX/XXXX to get Shellpoint to work with me. They just keep sending me a standard form letter saying the principal balance is due ( {$33000.00} ). I 've been trying to find ways to pay off this loan. I completed Shellpoints ' Uniform Borrower Assistance Form and sent along financial documentation ( annuity statement, XXXX & XXXX taxes, 2 bank statements, hardship letter ) to obtain a repayment plan. I also informed Shellpoint that I am retired and on a set monthly annuity and I could make payments of {$400.00} a month. Or, if I pay the minimum on my credit card I could pay {$700.00} a month. Faxed on XX/XX/XXXX and I also mailed the same documents I called the Shellpoint contact I have XXXX to see if he received the Fax, got Voice mail. Called again on the XXXX, XXXX of XXXX, voice mail. He finally returned my call on XX/XX/XXXX. He had not done anything with the documents I had sent, now he needs more current bank and annuity statements, I faxed on the XX/XX/XXXX. I still have not heard if this packet of documents have been reviewed by their underwriting department. So they are not accepting my money and they are not working with me to get this loan paid off. Contacted XXXX who has my current mortgage and asked them about refinancing my current mortgage to roll in this loan. They said if I refinanced it would up my interest rate and as that is not beneficial to me they would n't do it. Applied for refinance with XXXX. Everything was going smoothly until XXXX called Shellpoint a 2nd time for a Payoff amount and Shellpoint told them I was late. So then I did n't qualify for the FHA loan anymore and XXXX wanted to switch it to a conventional with {$9000.00} in closing fees. Applied and was approved for a personal loan with XXXX for $ XXXX and I called Shellpoint to offer this cash to close the account. No response from Shellpoint to the $ XXXX cash pay off. In fact, I have n't heard a word from them. No phone calls or anything. I got approval for a personal loan through XXXX Loan for the {$33000.00} which would cover the principal balance of {$33000.00}. XXXX Loan wired the money to Shellpoint on the XX/XX/XXXX. Shellpoint returned it on the XX/XX/XXXX with no explanation. I ca n't seem to get anybody at Shellpoint to help. I have n't been able to get a number for the billing department to find out why they returned the {$33000.00}. Shellpoint also returned the payments I sent for XXXX ( {$350.00} ) & XXXX ( {$300.00} ). By not working with me on getting a prepayment plan and then returning money I 've sent in a good faith effort to pay off this debt. This kind of customer service should be illegal. I 've lived in this home 26 years and I am fearful that Shellpoint will foreclose on my home for the principal balance of {$33000.00} even though I 've tried to pay them.
My wife and I had to short sale a house through XXXX which was done successfully on XXXX XXXX, 2010. This company was purchased by XXXX XXXX who claim they have no record of the transaction and referred us to their debt collection company, XXXX, who claims they have no record of the transaction. XXXX 's entry on our credit report says foreclosure not closed. The entry of forerclosure not closed or short sale prevents us from refinancing our house even though we have very good credit. Equifax does not have a clear way on their web site to dispute an entry. Please advise.
XXXX XXXX, XXXX To Whom It May Concern : I am filing this complaint against Simon Agency attempting to collect on behalf of XXXX XXXX XXXX, using abusive tactics in soliciting an invalid debt for medical services billed incorrectly to my insurance. The claim was billed under an incorrect XXXX code in an effort to seek higher reimbursement. As a result, instead of a XXXX ( which would have been reimbursed without liability to the policy holder ), the claim was processed as a diagnostic procedure, which resulted in deductible and co-insurance liability to me ( the patient ). 
Also, Simon Agency collected money from me, claiming that I have unpaid co-payments for claims that were paid in full, and for which I have receipts. I disputed the abusive entries in my credit report, which lowered my credit score by at least XXXX points. My dispute letters were rejected and returned unopened to my residence. The abusive calls continued. Due to unbearable stress of watching Simon Agency destroy my credit, I offered to pay the alleged debt, with the condition that it is removed from my credit report. They refused my offer and continued with their abusive practices. 
They demanded payment on fees that were previously paid to XXXX XXXX XXXX, and for which I have printed receipts. Since this medical claim dates XX/XX/XXXX, XXXX is unable to retrieve claims older than 18 months ; it is very hard for me to retrieve the records. However, I was able to obtain the XXXX codes billed by XXXX XXXX XXXX to XXXX and was able to verify the XXXX codes against the XXXX XX/XX/XXXX-XX/XX/XXXX reimbursement rate table at : XXXX This clearly demonstrates that the service billed was incorrect, which resulted in liability to me. 
I am therefore reporting : Simon Agency for abusive, illegal collection practices for unverified debts XXXX for fraudulent insurance billing My last attempt to resolve this with Simon Agency and with XXXX XXXX XXXX was today, unfortunately unsuccessful. I am currently filing an appeal and working with XXXX in retrieving the records in question. However, I wonder how would the damage done to my credit report be corrected? 
Your prompt attention at this matter is greatly appreciated. 

Sincerely yours, XXXX XXXX
Obtained a Loan Modification agreement and Trial Period from XXXX XXXX XXXX, Agreement signed on XX/XX/2015, with payments due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
mortgage was sold to Carrington Mortgage Services on XX/XX/2015. I made all four payments, but Carrington claimed I did not make the XX/XX/XXXX payment, despite having it on record. They denied the Loan Modification based on that, rejected my XX/XX/XXXX Payment and my XX/XX/XXXX payment, then initiated foreclosure claiming I had not made the XX/XX/XXXX payment ( which was not due or owed due to the modificaiton agreement ) now they wo n't work with me, refuse to look at their records and are going forward with foreclosure.
Hi, this is the second complaint I have filed with the CFPB on an old XXXX XXXX cell phone bill from around XX/XX/XXXX-XX/XX/XXXX. If I am not mistaken this was placed on my credit reports and then after seven years it was removed. 

For some reason, all of a sudden, I am getting debt collection letters now from a " second '' company requesting I pay this very old bill. 

I have already had this charged off and placed on my credit report and it was on there from around XX/XX/XXXX - XX/XX/XXXX. I do not owe this money because it was already put on my credit report one time and was already on there for seven years until it fell off my credit reports. 

I do not know why after nearly 15 years I am getting collection letters from debt collection companies on this account. 

My concern is that this charge is going to be placed on my credit reports " again '' for another seven years! 

Please help me with this. You have already helped me with the first collection agency who was trying to collect on this old debt, but now " another '' company is sending me letters. 

I have called XXXX XXXX to confirm this charge and since the account is so old they have no record of this bill, but yet I am getting debt collection letters now from a second debt collection company. 

I had already filed a complaint with CFPB regarding the debt collection company named : XXXX XXXX XXXX. There phone number is XXXX. That account number is XXXX. I thought CFPB had resolved my complaint with the XXXX debt collection company ( e.g. XXXX XXXX XXXX ), but now I am getting a 2nd letter from a XXXX debt collection company ( e.g. Convergent ) regarding this same very old cell phone bill that XXXX XXXX can not confirm whether or not I paid the bill or not because the account has been purged.
On XX/XX/2018, I mailed a Validation of Debt Letter to the debt collector, TRANSFINANCIAL INC.

Stated in the letter, I asked for Original contract signed showing the reason for debt, and calculations of Debt.

I have NOT received a response. It has been 30days.

I have mailed a certified letter to the address reported to the credit bureau.
I THINK IM A VITIM OF FRAUD I WAS IN XXXX FROM XXXX AND I CANT GET MY CREDIT REPORT. MY EMAIL address is XXXXXXXXXXXX and my phone number is XXXX
I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a XXXX Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX XXXX. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and Experian. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
My student loans were transferred to Navient a few years ago and I have had 4 or 5 different payments every year-my interest rates are at 7.25 % and when I question them they say it 's because my credit is not so good-yet I know my credit and the scores are in the XXXX-XXXX ranges. I have been told by several people that Navient has done this to them too and it 's not right.
There is a wrong address on the Transunion credit report. I never lived at:XXXX XXXX XXXX XXXX XXXX XXXX NYXXXXPlease correct this information. 

Thanks. 

XXXX XXXX
With a balance of {$15000.00} that had been an available balance for over five months, I wrote a check for {$5200.00} and they declined to release the funds. I was charged service fees for insufficient funds. Upon contacting me, they initially claimed the account was not authorized for check writing, to which I pointed out they had issued me a checkbook and ATM card. CITI agreed it was intact a checking account but it was ineligible for withdrawal as it was recently opened. I pointed out that I had maintained a {$15000.00} balance for six months. They never provided a satisfactory answer to why my check was not honored and proceeded to spend the rest of the phone call insisting I could not close my account and have my funds returned to me. When I opened the account in XX/XX/XXXX, they attempted to take the initial {$15000.00} deposit THREE times from my XXXX XXXX account for a total of {$45000.00}. It took hours with myself and XXXX on a call to resolve the issue -- CITI never gave an answer or admitted overdrawing my account and ultimately XXXX has to put a hold on their account to prevent further raiding of my funds. Their practices are a violation and their conduct and accountbility nonexistent.
JPMorganChase has managed my escrow account with the mortgage I have with them. 
On XXXX/XXXX/16, Chase paid {$650.00} illegally and unauthorized from the escrow funds for home- owners insurance coverage, while there was in force coverage from XXXX XXXX XXXX , my current carrier. I never signed on with this other company as well as not notified Chase that I authorized a switch of carrier. Chase is now having problems with replacing my funds ( {$650.00} ) to the escrow as it shows ( ( - ) minus. Chase mismanaged my escrow acct.