WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. On XXXX XXXX, 2017 some body used my SSN and open a credit card with First National Bank. Some time in XXXX I received a billing statement for a balance of {$7100.00}. I contact First National Bank and explain what happen. I spoke with the vice president XXXX and explained it to him and XXXX XXXX said I am not liable for this account. I followed up with the bank today XXXX XXXX, XXXX and I spoke with XXXX in the fraud department and I asked him about this credit card and he said there is still a balance on the account. I explained it to XXXX, I did not open this credit card and he said will investigate on it.
On XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from XXXX XXXX, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything. 

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XXXX until now I tried dispute especially with the data breach from equifax, equifax said they verified them and they re factual. I tried to dispute my name it has XXXX next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX Veteran Affairs Medical Center. And this  account was paid by the Veteran Choice program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.
There are  Credit repor ting agencies reporting inaccuracies on my credit report. After I disputed the information asking for more information, it was n't provided to me. An address that I never resided at is on my credit report. Suggesting that along with the unknown address there are numerous accounts on my credit report that were not opened by me. I 've asked all the credit bureaus to look into to the disputed information and correct all the inaccuracies, but nothing has been done. This information is hurting my  credit score a nd credit report, and is holding me back from doing things that I need to do.
Bank of America. I was told that when my home equity loan was paid in full it would be reported that there was no late payments. The 3 month payments that were reported as late was the time Bank of America took to mark my account PAID IN FULL. This should be removed from my credit report. The second Bank Of America is my loan modification in which I was making payments to Bank of America on a trial modification. Bank of America waas to remove from my credit report these lateness reports. I would also like this removed from my credit report. The XXXX report that is wrong is XXXX, this was reported wrong as being late. I cosigned a student loan and my step son is still going to school and the payment was suspended untill he graduates. They reported the XXXX payment in arrears even though I paid them on the phone.I never received a notice from XXXX about this lateness. I also need this report removed from my credit report.
This collection agency is claiming I owe {$560.00} for an account with XXXX XXXX XXXX fro an  account in NJ yet I've lived in Delaware for the past 18 years. I asked for copies of the application or a copy of the any records or recordings they have regarding phone calls, etc. and they've refused to provide them. I sent a letter disputing the debt along with a copy of a police report from a few years ago where someone filed tax returns and open accounts in my name yet they continually claim they don't receive them. The woman XXXX  is a NASTY NASTY woman and refuses to remove this from my credit report.
I HAVE CREDIT ITEMS ON MY CREDIT THAT EQUIFAX REFUSES TO PRODUCE ORIGINAL DOCUMENTS THAT PUTS ME WITH THIS LOAN OR CREDIT ITEM THIS ITEM IS NOT MINE, THE CREDIT REPORTING AGENCY EQUIFAX HAS BEEN NOTIFIED NUMEROUS TIME AND REFUSES TO REMOVE ITEM FROM CREDIT FILE THEY JUST TELL ME THEY INVESTIGATED AND NO CHANGE, I REQUESTED FROM THEM THE ACCUAL PAPERWORK THAT IS SIGNED TO THE CREDIT ITEM ON MY LOAN AND THEY HAVE REFUSED MY REQUEST NUMEROUS TIMES I WILL CONTINUE TO FILE COMPLAINTS UNTIL THESE ITEMS ARE REMOVED, THE ITEMS ARE XXXX XXXX THAT NOW HAS GONE INTO CHARGEOFF STATUS KEY DEROGOTORY BECAUSE I DONT GET A BILL BC ITS NOT MINE SOMEONE TOOK OUT A {$20000.00} LOAN IN MY NAME AND IAM NOT GETTING ANY PAPERWORK ON IT AND EQUIFAX REFUSES TO SEND ME ANY BC IT DONT EXISTS WITH MY NAME ON IT, AND EQUIFAX KNOWS IT ...
I spoke to XXXX XXXX with Diversified Consultants on XX/XX/XXXX. I contacted the company concerning a payment for an account with XXXX XXXX XXXX and he informed me that I have an account with XXXX XXXX for {$250.00} as well. I asked when the XXXX XXXX account was placed with them and he stated it was placed with them on XX/XX/XXXX which I found disturbing because when I communicated with Diversified on XX/XX/XXXX and spoke with XXXX concerning the XXXX XXXX account I was not told that I had an account with XXXX XXXX as well and they never sent a notice to my address in which they had on file at the time. I knew immediately that the XXXX account was one that I disputed with XXXX XXXX on XX/XX/XXXX. I asked XXXX to contact the original creditor for a breakdown of what the {$250.00} consisted of and the only thing they would provide to me was a copy of the last bill that XXXX XXXX sent to me which did not break down what I was being charged for. XXXX XXXX came to the conclusion that they could not provide me what I asked for so they canceled the account and I was under the impression that this was resolved. Please see attachments for my communications with XXXX XXXX. After I attempted to explain the situation to XXXX and informed him that I was disputing the debt he interrupted me and attempted to offer a settlement of {$110.00} that I explained to him I do n't owe. So I reached out to the Original creditor on XX/XX/XXXX ( XXXX XXXX ) and spoke with XXXX ( who stated she was located in a call center in the XXXX area ) at XXXX. I explained the situation to her and she came to the conclusion that I in fact DO NOT OWE XXXX XXXX. XXXX explained to me that she adjusted the account to a {$0.00} balance as of XX/XX/XXXX. My complaint is that Diversified Consultants is not trying to help me get this cleared, they only want to collect money that I do not owe. They need to contact their client and get this issued cleared. If my credit report is affected by this I will be taking this further than the CFPB. I already know Diversified Consultants is going to try and send me a copy of the last bill as proof that I owe so I 'm going to save them some time. I have attached a copy of XXXX 's validation ( which does n't provide proof of what the charge is for ) and communications with XXXX explaining to them and the CFPB XX/XX/XXXX what happened with XXXX XXXX. I suggest Diversified consultants speak with their client to confirm this debt is not owed.
To : Bank of America Mortgage Service Attn : Customer Relations DA : XXXX XXXX, XXXX RE : Requesting a Copy of My Full Mortgage Payment Account History/Including Interest Paid This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was XXXX, XXXX to XXXX, XXXX. According to my records Ive paid a total of {$7.00}, XXXX during my loan. How much interest was taken towards my mortgage during that time? XXXX XXXX XXXX purchased the loan from you Bank of America Mortgage Services. I must inform you that my name could have been listed as XXXX XXXX. XXXX when transferred. Please check your records under both names. Please send any contact and copy of information where mortgage documents were sent at the end of the loan with your company. I would assume that all information was sent to Bank of America Mortgage Service, if everything was transferred to them at the end of the mortgage loan with XXXX XXXX XXXX.
My Request and Concerns Are As Follow : Please provide original amount of loan financed Interest rate at time of loan Please include a copy of all signed documents Interest paid towards mortgage while you owned the mortgage loan Total of Monthly mortgage payments made while you owned the loan Ending Balance of mortgage loan owed when you transferred it or sold the mortgage loan. Provide documentation of the year when mortgage loan should be paid in full according to your records.
Repaying the loans is awful. I make nearly weekly payments towards my student loans and it takes far more than the ( 2 business days ) to process my payment, meanwhile they tack on the interest as soon as the clock ticks XXXX. This needs to be resolved!
I ADVISED EQUIFAX NUMEROUS ( SINCEXX/XX/2016 ) TIMES ALREADY THAT I AM A VICTIM OF IDENTITY THEFT AND THERE OWN DATA BRIEF SENT THEM POLICE REPORTS, MY ID, ALL THE ACCOUNTS THAT ARE FRAUDULENT ON THE EQUIFAX CREDIT FILE, CIRCLED ALL OF THEM AND THEY HAVE REFUSED TO REMOVE THEM FROM MY REPORT AS THE OTHER CREDIT BUREAUS HAVE, AND MY CREDIT SCORE IS BEING AFFECTED AND COSTING ME EMPLOYMENT, LOANS ECT.I DEMAND THAT THESE ITEMS BE REMOVED AT ONCE.
On numerous occasions US Bank Home Mortgage has informed me that once my payment has been processed ( future dated by Speedpay ), that it can not be changed, modified or deleted. If this is the case and the payment is future dated, suppose my bank account gets compromised and I do not have the funds available. I should be able to delete that payment according to XXXX. I have escalated this issue to a Supervisor who screamed at me and told me that she would not delete the payment and that it was not the law.
My name is XXXX XXXX. I am writing to you because of the dilemma I seem to have with getting my mortgage adjusted to compare with other upstanding and/or low standing citizens of this country. 
I am a XXXX yr. old self employed, divorced man that refinanced my primary residence ( thru BB & T ) in order to pay off my XXXX wife 9 yrs ago. 
The fixed rate on my mortgage was set at 6.35 %. I have attempted many times to refinance this mortgage. But, due to guidelines set after the meltdown in 2008, no one has offered to refinance my mortgage because I 'm self employed and do n't show a good enough income on my tax returns. 
I have held many mortgages in my lifetime and they were always in good standing.I own collateral real estate that should easily back me up on my existing mortgage. I 've been self employed in the XXXX XXXX XXXX for over 32 yrs. 
Other than the fact that the I.R.S. allows the self employed individual, that runs a service business, to write off many business expenses, I am better qualified than most refinance applicants. 
So, as far as I see it, this is blatant discrimination against XXXX ' hard working, honest, self employed individuals. Who knows where this might go, but I have no other choice, but to stop paying my mortgage to get some attention. 
I am a master electrician, plumber, mechanical tech and appliance tech. I pay my bills and take care of my responsibilities. 
Recently I have had some challenges that have influenced my decision to pursue serious negotiations with BB & T, i.e., XXXX and a XXXX, XXXX, XXXX XXXX XXXX, XXXX, moved my Mother into my home, basement flooded, XXXX. composite and tile deck disintegrated, Concrete patio and driveway are broke into many pieces, Heat pump needs to be replaced, XXXX roof needs replaced, My business truck XXXX was totaled, etc. 
The main objective here, is to lower my interest rate to 3 % or less, and switch to a 15 yr fixed mortgage and start all over with NO penalties, NO past due interest, No past due premium, No FEES!!! 
BB & T has taken tens of thousands of dollars from me over the years in interest and its time for a fair and reasonable business relationship or none at all. 
Sincerely, XXXX XXXX
I had a loan with AES opened 11 years ago. The delinquency started in XXXX..TEN YEARS AGO. The loan was charged off ( XXXX ). I have disputed this with the three bureaus and they left it on my file with a very generic excuse " we checked with the student loan entity and they said the information was correct ''. Apparently that is all that the CFPB does in XXXX for manipulation of dates and data by data providers. 

But the " last activity date '' of XX/XX/XXXX is seven years past the actual last activity..and even the bureaus historical data shows 120 lates back to XXXX. So this proves that their data is completely in error. 

This item is over the 7 year obsolescence time frame and needs to be removed from XXXX XXXX and XXXX as provided by federal law
I went to PNC Bank in XXXX, IL and asked about exchanging US dollars to XXXXXXXX XXXX. A PNC employee who helped me, XXXX XXXX, said there were no fees or other charges and that the exchange rate would be the normal daily rate. They did not know how to do the exchange so they took my name and phone number and told me they would call me when they found out. I got a phone call saying they were able to complete the exchange and had taken out {$250.00}. When I asked what the exchange rate was they said they didn't know but again they said it was be the accurate rate for that date, XX/XX/XXXX, and there were no fees. I picked up the money at the bank and my receipt said they took out {$240.00} and I got XXXX XXXX XXXX, which is a rate of 0.313372. The receipt  said there were no fees charged. But on XX/XX/XXXX, the actual exchange rate was 0.289160. 
I called and asked about this issue. An escalation specialist, XXXX XXXX, said she would look into it and call me back within 3-5 business days. I called her back two weeks later because she never called me back. She said she had forgotten about my case but that there were added fees when you purchase and exchange money. I talked to a second escalation specialist, XXXX ( ext XXXX ), who said that it sounds like they gave me the wrong exchange rate and I should be refunded {$21.00}. She said she was going to call the bank to figure out the exchange rate process and call me back after. But she also never called me back. I called back again and got a third escalation specialist who said she would looking at it and would contact the second escalation specialist but I never got a response from her either.
I went to Bank of America branch to cash a payroll check drawn on XXXX XXXX. They instructed me to deposit since my account was overdrawn a little bit. I was told the ATM would make some of it available but the funds were deposited into my savings account instead and placed on a verification hold for 14 business days. I believe this is illegal structuring of customer transactions and violating Bank Regulations and Bank Secrecy Act Laws. They are temporary using my funds to earn interest and make loans. This is unfair business practices and they should be fined. Payroll checks are next day availability
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
This morning my husbands debit card was declined after working a 12 hr shift while finishing his 80 hr work week.. he came home very frustrated. He asked me to call the bank to figure out the issue.. so I did and left a message. This call center first of all is very hard to get ahold of even on days they are open!!! I left a message this morning and asked for a call back in regards to my accounts. Later that afternoon I got a call back saying they ca n't help me because my name is n't on the debit card and it does n't matter if it 's a joint account with both our names and I 'm the primary, I then asked to talk with the supervisor, which I was informed I will get a call back within 24 hrs.. I 'm frustrated at this point because all I want to know is if my husbands card will work for him later when he has to return to work at XXXX he 's sleeping.. finally I get a call back again and I speak with a named XXXX who was playing games with me.. I asked him if I wake my husband up what information does he need so I can tell him mind you my husband is snoring dead tired.. he says when I speak to him I 'll tell him.. okay ... so I 'm not stupid I say ca n't he just give you his social and name, address?? He tells me he 's gon na need his debit card?? So he wanted me to wake up my husband go get his debit card in the car outside., its freezing and I 'm in my robe..Long story short these people in the call center are rude they play games hang up on you and treat you like total XXXX!!!! They need training and to be replaced! I do n't have time to play games with someone at work where they are getting paid! All I wanted to know was why we could n't access our money.. it 's ridiculous!! I woke my husband up and he gave all the information they need he hands me the phone and I said a curse " word '' meaning finally.. the person said sorry ma'am you ca n't curse at me, when I did n't! And hung up on me!!! After I did everything they said!!! I 'm so frustrated that they could n't just tell me that they were having system issues and they are sorry about the inconvenience because in the end that was the problem.. system was down so my husbands card did n't work anywhere.
On XX/XX/18, I contacted Transunion in regards to a drop of 130 points from my credit score. The message read that my school loans increased by {$27.00} which could be due to a missed payment. I tried to explain to the CSR that my school loans are in deferment, so that couldn't possibly be the case. I went on to explain to him that that increase was interest accrued. Also, neither one of the other credit bureaus decreased my credit score, and the same thing was reported on the two. The same thing happened in XXXX. I'd like my credit score restored, and all accounts on Transunion to be verified for accuracy. All the open accounts on my credit report are in " good standing '', and I've never missed a payment on either account. There is no reason for such a significant drop of 130 points.
I am constantly being bothered and harassed by a company called  XXXX   XXXX !!!! The guy named  XXXX  called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job.     After that I have received calls on my cell phone and I receive at least two emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before  XXXX   XXXX .     I have received  36  emails from the following individuals below just in the month of  XXXX  and today is only the  XXXX !!!     I have received emails from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They also said they are c alled LVNV Funding
I checked my credit last month and discovered a new collection. I had never received any letters stating I had a balance from the original creditor or the company that bought the debt. I called and spoke with Ability recovery service who told me the account is from XXXX XXXX XXXX emergency from XX/XX/16. On XX/XX/16, I did have a visit with XXXX XXXX. The visit was billed to my primary insurance XXXX and my secondary insurance XXXX  XXXX. The visit was billed past timely filling and both insurances denied the claim as timely filing and left XXXX patient responsibility. XXXX XXXX, in particular, is a government plan and it is illegal to bill amounts not approved by XXXX  XXXX on the explanation of benefits. I have attached my Explanation of Benefits from my insurance.
I'm having a financial hardship and I have been unable to pay the loan. I'm getting harrassing calls to myself and family threatening an attorney action if I don't pay off the loan. I told the debt collector I didn't have the funds to make the past due amount. He said what about your check i said I paid rent am I supposed to pay the loan and not have a house to. Live in he responded yes. I'm tired of this man harrassing my family and myself by being abrasive and rude over the phone. He keeps threatening legal action unless I make the minimum payment even went as far as calling me a criminal for defaulting on the loan. I'm tired of it!
XX/XX/2015 XXXX XXXX XXXX sold my account to XXXXmr cooper mortgage while it was in lawsuits settlement, so all the information XXXX XXXX XXXXXXXX had transferred to Mr Cooper,  so XXXX XXXX XXXX settled with me and brought the loan back, asking mr cooper mortgage to delete from my credit file and that was 4 years ago and they still have it on my report and refused to take off
An unknown person cashed what appeared to be a counter check for {$6000.00} on my bank account with Suntrust in XXXX Florida on XXXX XXXX, 2016. I submitted a fraud claim on XXXX XXXX, and it has not been resolved as of yet when they told me it would be a 14 day period to resolve.
this account should not have any negatives ( late payments ) i have even received a letter from the creditor for which they have approved of this being ok to be removed. 
please help me to remove this negative from XXXX credit reporting agencies thank you letter attached