WillisBack/dataset-financial-user-claim huggingface dataset:
My identity was stolen and used to open fraudulent accounts that are now appearing on my credit report. I have notified law enforcement and requested that the credit bureaus remove the fraudulent information which they have yet to do. I am a victim and need this information removed.
Hello,  I am filing this complaint today because I have tried to reach out to XXXX XXXX XXXX XXXX several times to verified a debt that is listed on my credit report in the amount of XXXX from LTD Financial Services,  I have yet been unable to reach XXXX XXXX since XX/XX/2017.   I have know contract with LTD Financial Service and would like to verified this account with XXXX XXXX .
I have been with sprint for over 10 years and been very satisfied with their service. till recently after I pulled up my credit report and noticed a collection account from a company called ERC trying to collect for an unpaid XXXX account. I have disputed this account with the credit bureaus and as well as with ERC. and as of this date no respond from ERC. I had sent to them my police report as well as my identity theft report still no respond.
I had an credit card account that went to default XXXX XXXX XXXX in XXXX, and it was charged off and this item was sold to a debt purchaser - XXXX XXXX. 
There is incomplete - inaccurate data on my report - with all Major CRA 's. This information has been disputed at least XXXX with all XXXX. 

XXXX. Through Experience XXXX - This Account shows " OPEN " and, with missing critical account details, such as its actual status. This item has been communicated as a dispute to all CRA 's. 
XXXX. On XXXX Reports in XXXX - XXXX through current, lack any payment history - " Type '', is not Credit Card its blank. XXXX Reported is XXXX XXXX, I believe is the original delinquency date, MAKING this account to old to report. 
On Experience printed reports, this account is incomplete and inaccurate. 

There is no Payment XXXX/Equifax - the Payment history does NOT match the " Last Payment made date '', and the other dates are not consistent. 



Despite my continued disputes - this account has never been updated and remains, and in spite of the FCRA which says that incomplete records, must be deleted.
In XXXX I signed a contract to purchase a car with Ally Financial through XXXX XXXX XXXX. My XXXX payment was due XXXX XXXX, 2015. In that time, I suffered some financial difficulties and could not make my minimum monthly payment. I spoke with a representative of Ally to notify them of my situation and hoped that we could make alternative arrangements until such time as I got back on my feet. I informed them I could n't make the minimum monthly payment of {$170.00}, but I could make at least {$100.00} payment every month. The company refused to lower the payment amount, and is now harassing me with telephone calls asking for payment. They call me on my cell phone, they call me on my work phone ( State agency ), and they call my home number which is no longer in service. They have at least XXXX different representatives call throughout the day, every day, seven days a week. They are also sending me threatening letters in the mail, telling me that they will repossess the car if I do n't pay the minimum amount every month and make another payment to catch up what 's left. I am doing what I can to ensure they are at the least getting something. I have no alternatives.
On the day of XX/XX/XXXX, I mailed off a letter to XXXX/XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.
I had a judgment on my account from XXXX XXXX XXXX that was removed because of the insufficient identifying information that is required for the account to be reported on my credit report per the new law change effective XXXX XXXX, 2017. They had this judgment twice on my credit report. As a judgment AND an account ( in which it was only a judgment ). This judgment that is currently being reported improperly needs to be removed immediately off my report.
I submitted a dispute to TransUnion on XX/XX/2018 regarding 5 collection accounts that appear on my credit report that were either paid in full by insurance, services billed for were not actually provided and/or the acct never belonged to me ;. Today is XX/XX/2018 and the dispute remains in " pending '' status. Now there are new/updated collection accounts that do not belong to me in addition to those ALREADY disputed, however I can not dispute the newly added collection accts due to the unresolved dispute still open. It has been over 90 days since the original dispute was issued and my financial situation but is suffering as result of this inaccurate reporting and delayed corrective action on the part of TransUnion.
I am victim of identity theft and have accounts listed on my credit report that do n't belong to me. I have sent numerous police reports and letters to Equifax disputing the inaccurate information listed on my credit report and Equifax has sent me numerous letters informing me the information is accurate and will remain on my credit report. The following accounts listed on my credit report are fraudulent and I want them removed immediately from my Equifax credit report : XXXX XXXX Bank, Account Number : XXXX XXXX Bank, Account Number : XXXX XXXX, Account Number : XXXX XXXX Bank XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX Bank, Account number : XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX SSN XXXX You are hearby notified in writing just as you were on the phone on XX/XX/2018 that you have added a fraudulent account on my credit and dinged me 100 points for something that was removed 3 years ago. I informed you on the phone that this was fraud and it was closed yet you continued to ask for credit card information. You have violated my rights but adding this fraudulent account. I asked for a return to creditor letter and to have this removed but you refused. It is also recorded on my phone. I have sent this over to XXXX  and XXXX. I have also filed a complaint with the XXXX and consumer financial department. 
What I want This debt to be removed from my credit today A return to creditor letter What I have provided Fraud affidavit 3 separate police reports showing each time an account was opened due to identity theft. 
Credit score before you dinged it Credit score after XXXX XXXX
A debt was added to my credit report, that I was unaware of in the amount of {$2200.00} acct # XXXX This is hurting my credit negatively and I need this removed as soon as possible and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be  a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX
IN REGARDS TO : XXXX XXXX XXXX  XXXX XXXX, PA XXXX I HAVE DISPUTED WITH EQUIFAX ABOUT THIS ACCOUNT SHOWING UP ON MY CREDIT REPORT AS IF IT IS MINES WHEN IT IS NOT. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED. I HAVE SUBMITTED THE PROPER DOCUMENTATION TO THE CREDIT BUREAUS REGARDING THE FORGERY AND IDENTITY THEFT REPORTS FROM THE POLICE DEPARTMENTS AND THEY STILL REFUSE TO COMPLY WITH THE FCRA. ONCE AGAIN I STAND AT A STAND STILL I HAVE NEVER HAD A STUDENT LOAN WITH XXXX OR DONE BUSINESS WITH THEM AND FRAUD HAS BEEN COMITTED TO OPEN UP AND ACCOUNT IN MY NAME UNDER MY CREDIT SO REMOVE THE ACCOUNT FROM MY FILE IMMEDIATLEY.
To Whom It May Concern, I have been dealing with my mortgage servicer for the past three years or so in hopes of discovering who the actual holder or beneficiary of my mortgage loan. To date, I have not been successful. I do not believe that PennyMac has been truthful with me and I do not believe they have a legal or proper interest or claim in my property as they have alleged. Over the past month, I realized that my loan transaction was never consummated pursuant to the laws of California due to the fact that my lender, the true source of funds for my loan, was never disclosed to me. Because my loan was never consummated, I understood that I could exercise my rescission rights. On XXXX XXXX, 2015, I faxed and mailed a letter of rescission to PennyMac. PennyMac acknowledged receipt of my letter but has failed to comply with the Federal Truth In Lending Act. Under the Act, if PennyMac wanted to challenge my rescission, they had to have filed a lawsuit within 20 days after receiving my letter of rescission. PennyMac received my letter of rescission on XXXX XXXX, 2015. The twenty day period has long passed and PennyMac has failed to either a file a complaint or comply with the Act. I am filing this complaint because they repeatedly choose to ignore and adhere to state and federal law and I believe they need to face some kind of disciplinary action and to comply with federal and state laws. If nothing is done, I believe they will continue to do what they want and not what the laws states they must do.
Just got up this morning and checked my credit score and noticed that a company named XXXX XXXX XXXX has appeared on my credit whereas i have no credit history with them. I do not have loan, nor a mortgage with said company. This is an attempt of identity theft slander defimation and libel, such is being taken up in court at this time against said company. WIth no credit history with said comapny all agencies must delete this item from customers credit history since being added XX/XX/XXXX. 
There is no evidence of a mortgage with XXXX, there is no record of a mortgage. No proof of a loan being processed in customers name and such the like. 
The home owners insurance is in the customers name that only XXXX XXXX XXXX. 
The home has been paid off since XX/XX/XXXX. See attachements and court information concerning identity theft created by said company as of XX/XX/XXXX. 
The comapny XXXX is simply trying to create money out of thin air. The customer deemed for this debt is that of XXXX XXXX XXXX and a XXXX XXXX XXXX located at a different address. 
This company [ XXXX ] is simply alleding that they are the orignial lender and or have purchased an illegal debt from XXXX XXXX whereas customers XXXX XXXX XXXX and XXXX XXXX have have never had a mortgage nor a credit history with Either XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. This is fraud. See attachments whereas President Obama passed a law on extending the Statutes of limitations on Mortgage fraud and securities fraud. Due to this attempt to continue harrassing, fraud, identity theft slander defimation and libel the credt bureus are now responsible for this action and may be financially responsible for all recoupments herein. Please see case no. XXXX and XXXX. Which are still in process. Hearing dzte scheualed later this year. XXXX   whom fraudulently attained private information from XXXX XXXX XXXX does not have the customers consent to have social security numbers not address nor other private information, this account doesnt have a account number listed as well. 
XXXX had attorneys try to offer a settlement on XX/XX/XXXX this year just a few months ago that the customers declined on. XXXX and XXXX even went as far as an illegal removal and fraudulent court docs without a court officers and judges signature. 
Because they knew it would continue in some form or way. With no history and no mortgage XXXX and XXXX XXXX continues to harass attempt to hider and delay the legal process but rather have been served a new or appeals compalint against them for any and such things to be overturned shall and the fraudulent mortgage assignment [ see attatchment ] is just that fraud. XXXX XXXX XXXX. sold a fraudulent peice of paper to XXXX XXXX XXXX XXXX to harrass customers XXXX XXXX XXXX and XXXX XXXX XXXX to get them by fear and harrassment to drop their compalint that has been amended and updated therein the court system. 
This information must be removed from the customers private information within the next 10 days.
I have been diffuculty paying {$600.00} a month of ontime payments to XXXX private student loan, from Key Bank, for nearly 6 years now. I pay $ XXXX monthly in total student loans. Last year, I came under a hard ship and begged for assistance from Key Bank to no prevail. They suggested and harrased that I should not pay my rent and other essential bills to get caught up on their payment. They called daily and threatened me and my cosigner ( who just had a baby and could not assist ) that they demanded payment. I asked for them to lower my payment to a more reasonable amount and they would laugh and hang up on me. I then would call and ask for time to get caught up on my payments. I would call and beg for assistance and finally contacted someone with a heart. They offered a short term deferment and let me go two months with out payment, but interest still incurred. I found out quickly that the derferment that was promised was never processed I nearly defaulted. I again was promised a two month derferment to bring my accountaccount to only 2 months past due. I had to fax over paperwork XXXX times because the paperwork kept going missing or was not processed correctly. During this time I contacted key bank daily and begged for assistance but they only demanded payment. I went to many key bank locations and talked to many branch managers who said it was wrong what they were doing to me, but none could offer assistance. Finally, XXXX branch manager gave me XXXX XXXX 's ( CEO ) corporate phone number and said to call and explain what had happened. I called and was given to a customer care specialist who listened to what had happened. They saw that I made years of on time payments, but their only suggestion was to default on part of the loan instead of the entire thing. Luckily, in that time I was promoted and received some assistance from a family member to make nearly a {$3000.00} payment to bring my account current days before the loan defaulted. Key Bank has never been helpful and has been down right rude when it comes to their student loan department. They no longer service student loans so the only people you can talk to regarding them work over seas and will hang up on you regularly. There is no such thing as customer service at Key Bank. Especially, if they know that they have you by the throat with a signed promisnary note. I 've never asked to not pay this student loan and understand I am liable for the remaining balance. However, I needed assistance and was given a run around to be threatened and hung up on multiple times. In sum, I learned that there is no assistance with my private student loan that I pay nearly {$7000.00} in annual interest on even during a dire hardship. Even if I have years of on time payments. In the end I only had more stress and a huge hit on my cosigner 's and my own credit. I pray that I continue doing well and can make on time payments because dealing with Key Bank is worse than anything I have ever done before. When I read what best describes my issue the ca n't repay my loan and dealing with the service both are what wrong.
RE- XXXX XXXX To whom it may concern, I am horrified of SPS , and here is why : In or around XXXX XXXX SPS allegedly bought our loan from XXXX on or around XXXX XXXX, XXXX I received a letter from XXXX XXXX XXXX stating that my loan was in foreclosure SPS had my loan for less than 20 days prior to sending my loan to the foreclosure department I filed a complaint against the servicer with CPFB and also highlighted the fact that they never gave us a welcome letter, a mortgage coupon nor did they offer any alternative programs as required by law Within their response SPS stated that XXXX XXXX was hired by the previous servicer and they stopped a foreclosure that was never supposed to take place ( PLEASE SEE ATTACHED ) Unbeknownst to me SPS sent documents through the CPFB portal and never mailed said documents to my house SPS also stated that the reason that they did not offer any alternative programs is because they do not have a phone number when in fact I have had the same landline for over 20 years As I reviewed the documents I noticed that the payment history/accounting details they provided were only for the fiscal years of XXXX-present SPS to the best of my knowledge based off the documents sent have no accounting history or details from XXXX to XXXX. So how do they feel the accounting is proper when 6 years of details regarding my account are undocumented or missing from accounting. 
SPS also cancelled my homeowners insurance and told my insurance rep that the house was foreclosed on in XXXX ( PLEASE SEE ATTACHED ) when in fact a foreclosure never took place in XXXX or XXXX I also became aware as of yesterday that XXXX XXXX XXXX XXXX XXXX XXXX does not own my loan XXXX XXXX XXXX owns my loan however XXXX XXXX is advertising that the XXXX XXXX XXXX XXXX XXXX owns the loan Please also note that the mailing address on file is an unauthorized mailing address and was taken off my mailing list over 2 years ago SPS and XXXX XXXX, have not followed the laws regarding accounting, the fair debt collections practices act, privacy act, GA foreclosure codes rules & procedure HAMP, RESPA, XXXX and I am sure many other state and federal laws Lastly in XXXX we were involved in a Class Action Law Suit which stated that XXXX did not have any relationship with me to offer a loan modification pull my credit and or attempt to foreclose SPS is not a listed creditor on my credit profile as a mortgage servicer and shortly after the class action notice XXXX stop reporting to my credit report as well.
PMI/MI request to end payment of PMI from my mortgage. XX/XX/XXXX is 5  years from the closing, I 've made multiple request to have it dropped but 6 weeks later they will not remove it or explain why? They call it MI ( mortgage insurance ) so i send a request to drop MI on XX/XX/XXXX with no response. Here are multiple reference # or LTK # 's that should help : Your reference/ticket number is XXXX, Reference number : XXXX, original ref # XXXX The latest problem is that they DID NOT pay my taxes in time & are delinquent w/ fees & interest. Who is responsible for there mistake? XX/XX/XXXX. Now i check my mortgage statement & it increased {$17.00} per month but my taxes dropped & no explanation of my fluctuating fixed mortgage payment.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX they are my new mortgage company as of XX/XX/XXXX this year XX/XX/XXXX, transferred from XXXX XXXX. I XXXX  loancare complaints & 186 complaints on Loancare about customer service & billing. This company has done the same thing to me as they have done to many other customers. This company should be shut down for fraud!
I recently contacted American Education Services ( AES ) on XXXX XXXX, XXXX. I spoke with customer service rep, XXXX, with employee ID # XXXX. My call was in reference to XXXX loans that have now come into repayment status, and were formerly owned by National Collegiate Trust, but are now managed by AES. XXXX other loan, formerly owned by XXXX XXXX XXXX, and now managed by AES is current and the payment is manageable. 

I 'm currently unemployed, diligently seeking employment but have not yet received any job offers. I was last employed full-time in XXXX. XXXX was highly professional and diligent in seeking a solution to offer. I had inquired on the possibility of deferring or forbearing the XXXX loans. XXXX was unable to offer that option, or rather AES was insistent in not extending this offer. The only solution she suggested was to place all XXXX loans into an automatic payment plan that would lower my percentage rate by a 1/4 % over the life of the loan. Yes, that does make sense ; however, I can not acquiesce to that offer until I can make payment on all XXXX loans. 

Despite XXXX 's professionalism, in other calls to AES, I have found its employees rude and belligerent. When I asked to escalate my issues to a higher manager, they would say, " Why? They 're just going to tell you the same thing? '' Inexcusable. 

I would greatly appreciate any assistance you can offer to mediate this situation CFPB. I realize that I am contractually obligated to repay these loans, which I have never lost sight of ; however, I would like to reach an agreement with AES that would mutually satisfy their need or assurance of repayment, and my need to make a payment that is substantially lower than what I 'm currently now paying.
Barclay 's Card for XXXX charged interest for the full amount of a purchase at XXXX as soon as their " promotional period '' was over. The majority of the device was paid ( about 300 $ left ) and I was slapped with a 400 $ fee for the entire amount of purchase. I was not aware of this deadline and I was NOT notified by the company via email, mail or phone.