WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. I have supplied this company with the police report and the FTC affidavit. Originally, I was told the police report was inadequate because it didn't list the companies my name. I then did a supplemental police report listing any and all fraudulent accounts and inquiries and faxed that in. Now, I am being told that the police report STILL doesn't meet their criteria and I have to wait for the individual companies to investigate. Most of the companies listed have already investigated and removed the fraudulent accounts from my credit report ... however the inquiries still remain..which in turn is lowering my credit score and preventing me from getting a mortgage. 
In addition I had spoken to a representative several weeks ago about locking my credit report to prevent such occurrences and was assured my credit report was locked..however I find that this is not the case ... and whenever I try to lock my credit report I am unable to do so and keep receiving an error message both online and over the phone.
Please see attached.     I received a letter and a check in the amount of {$37000.00}. I am not sure of the exact date I received the letter and check. The check is fro  m Portfolio Recovery Associates, LLC due to a Consent Order with the Consumer Financial Protection Bureau regarding their Litigation Department collection calling practices.
I was not aware of this consent order or that I would be receiving these funds back. Hence the check was not cashed within the 180 days after issuance and is not void ( I am assuming so, as I have not tried to cash it ). The letter and check came in a plain envelope and appeared to be junk mail.
Upon opening the letter, I contacted Portfolio Recovery o  n  XXXX   XXXX ,    2017  about this issue. I was told  by Portfolio Recover  on  XXXX   XXXX ,  2017  that a check has been reissued and I should receive it with in 7 bu siness days.     Today,  XXXX   XXXX ,  2017 , I called  Portfolio Recovery to inquire about the check as 7 business days has passed. I was told that they are not re-issuing a check because the original date on th e check exceeds 365 days. This is in stark contrast on what I was told on  XXXX   XXXX . I asked for a letter explaining their decision and they said there is not  one. I also asked for a copy of the Consent Order as I never received one. Portfolio Recovery has not provid  ed a copy of the consent order and was told they are not sure if they could provide one. The request will be forwarded to a manager.
Hello, We are XXXX desperate family who struggles to keep our home from getting foreclosed. This horrible time had started when my income has being reduced from the recent recession we had in our country. As an XXXX, working on our own XXXX, Me and my husband suffering difficulties to cover all our payments, because our commissions were reduced. The cry for help was answered with multitude of paper trails, lost applications, missing documents, then expired documents, denial letters, offers to short sale our home, and now with a threat to foreclosure. We had no control over the financial crisis in our country, however, we hope that there is someone who can hear us. We want to save our home, please, help us to do that.
XXXX XXXX of GC Services Limited Partnership contacted my place of business on multiple occasions. XX/XX/XXXX was the last occasion, where I actually called her back, and informed her that the number she was calling was my place of employment, and that her continued calling was going to cause me difficulties at work. Apparently, this was not enough for XXXX XXXX, as she called once again on Monday, XX/XX/XXXX. I again informed her that she was not to call my office, and that by doing so she was violating the Fair Debt Collection Practices Act.
I currently have a home loan with XXXX XXXX XXXX, serviced bu Shellpoint Mortgage Servicing. My loan was originally through XXXX XXXX Bank but was sold in May to XXXX XXXX XXXX My loan is current and has never been late. I have an issue regarding PMI. It is my understanding that per the Homeowners Protection Act of XXXX, once my loan reaches a Loan-To-Value ratio of 78 %, PMI is to be automatically removed. With my most recent extra payment on XX/XX/XXXX applied to principle only, my Loan-To-Value ratio is no 77.9 % and it is my belief that I qualify to remove PMI. My most recent appraisal in the Fall of XXXX valued my home at {$450000.00}. I have been in communication with Shellpoint since XX/XX/XXXX regarding my desire to remove PMI. I realize the time has not been much since my initial communication to XXXX XXXX XXXX but I want to address this before I am charged anymore PMI and have to work on getting a refund On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating that in order to remove PMI, I must meet certain conditions. As I mentioned earlier, I am current now and always have been with my payments. There are no liens on my property. There is one requirement where I believe XXXX XXXX XXXX to be in violation of The Homeowners Protection Act. There letter states that I must request an appraisal at my expense ( minimum {$400.00} ) and that my LTV ratio requirements will range from 65 % to 80 % to qualify for early cancellation. I am submitting a copy of the document I received.
Almost 10 years ago we did a short sale and sold our house in XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This was our primary residence. There was a temporary law in place where a homeowner was not penalized for the debt forgiven. I received the attached document showing the identifiable event occurred on XXXX-17. Ocwen keeps harassing us every 2 years about this and now they have sent a XXXX Every two years we have to show them the debt forgiveness paperwork from the closing. The original mortgage company was XXXX XXXX XXXX XXXX and Ocwen must have bought them out. As an FYI - we also had a mortgage with them in XXXX which was paid in full and we have since sold that house and moved to XXXX.
A charge off account appears in my credit. Never heard of the company before - XXXX XXXX. Contacted them, inquiring about this charge. A camera was purchase with my credit and delivered to an address is not mine. I told them this was fraud ; it wasnt me. They told me will take care of this. In XX/XX/XXXX still in my credit and try to dispute this through EXPERIAN and Now it says will remain in my credit until XXXX. It is obvious some one else purchased this and delivered it to their address.
My credit report from TransUnion lists my name ( XXXX XXXX XXXX ) and a name that I have never used : XXXX XXXX. The name XXXX XXXX first started being used by collection agencies calling me about 12 years ago. I was never told what company had employed the collection agency, but the name was passed around to differenct agencies, and I always said I have never been nor am I now XXXX XXXX. The calls have stopped, but her name appears on TransUnion report. XXXX has XXXX addresses which were never my address : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX, NY XXXX. I believe these addresses may have belonged to XXXX XXXX. Please remover the name XXXX XXXX and the XXXX incorrect addresses from my credit reports.
In XX/XX/XXXX I applied for a conversion of my HELOC to a fixed rate loan due to the balloon payment coming due on XX/XX/XXXX in the amount of {$28000.00}. It took Bank of America 8 months to process the conversion with approximately 5 different processors and multiple requests to resubmit the same documents several times as a result. In the end, it was the original processor, XXXX XXXX, who was assigned once again to my file and who finally moved us to closing in XX/XX/XXXX. In the beginning, XXXX had told me to continue making payments as I had been until we closed on the conversion/modification, which I continued to do as documented on the following statements. Bank of America is reporting my payment history during the processing time as 30, 60, 90, 120,120,120, 120, 120 during the processing time. I do understand the reason they are giving, saying the reporting is accurate because the full amount of the balance was due at the time. However, due to their failure to process the application in a timely manner is not taken into consideration and we should not be held accountable. 

Having been in banking as a XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX and XXXX for more than 27 years, I know that this process should have taken 2-4 weeks at the most. Eight months is totally unacceptable and we should not be penalized for the banks delay. 

I have contacted Bank of America directly and filed disputed with all three major credit reporting agencies. Each time they reply that the reporting is accurate and no adjustment is made to my credit report.
I have disputed XXXX public records on my Equifax that have been deleted through my XXXX and XXXX. I provided all XXXX the same information and Equifax is refusing to delete stating that it must remain for 7 years. If that 's the case, then why did XXXX and XXXX delete them? I am trying to purchase a home and I need to have these matters resolved and it seems as though they are very unwilling to assist in any way.
I had a mortgage with XXXX XXXX XXXX. It was put in foreclosure. The home sold and was paid off in XX/XX/2015.  The two credit bureaus that listed this item ( XXXX and Trans Union ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XX/XX/XXXX and XX/XX/XXXX AFTER the item was paid. But they then listed a 120 day in XX/XX/2015 ... TWO MONTHS AFTER PAYMENT. 

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the XXXX XXXX item and the second page which continues with their historical listing.
I have a unverified account from MIDWEST RECOVERY SYSTEMS #  XXXX . I had previously disputed this account. I have never done business with MIDWEST RECOVERY SYSTEMS #  XXXX . Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request that MIDWEST RECOVERY SYSTEMS #  XXXX  Provide verification of the follow ing : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. )   An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDWEST RECOVERY SYSTEMS #  XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt
Currently I have 3 Bitcoins valued over $ 10k stuck in Coinbase, I contacted support half a dozen times and at first they told me I needed to upload identity verification documents, I did so, my account was still restricted, I continued to contact them, a few times I never even received a response from them. Then on XX/XX/XXXX-18 I get a response telling me Coinbase has NOT blocked access to MY funds, but only that I can not buy or purchase, that is false. I still could not withdraw or send my BTC out from Coinbase, even after being advised by them that I can, I have an email to prove it, the only thing that has changed since then is Coinbases decision. So I contact support again and they respond by telling me I can no longer use Coinbase. Now my funds are stuck there indefinitely, please advise, thank you
My sister 's name is on my credit report on XXXX, Equifax. Her name is completely different than mines and our social number differs by XXXX digit. I 've contacted Equifax and they told me that I need to call them every time to straighten out any loans that does not belong to me, i.e. for the rest of my life. It should be their job to report correct information and not mines to correct them. I would like to file a complaint against all XXXX credit bureaus for false, inaccurate reporting of my credit and failing to correct it.
XXXX school. this is online school. i did not provide my social security number to this school when i registered online.. i do n't know why they have my all information. this school send me to the XXXX company ( USCB CORPORATION ) Collect. i have already talk to them i need close my account. and it show me on the credit report .They keep billing me all the time. I stopped paying them my hard working money, and wasting my time since i went to university.
I received at call on my cell phone from this company Brown Law and I asked them so send me a validation of debt for the account that they are trying to collect on. I received documentation but not enough to actually do any research to see who the creditor is and what the charges are. I also received a voice mail message on my cell phone which is a number that I have listed with the XXXX. When I asked who they were collecting for, the original company she said possibly XXXX XXXX? Are n't you supposed to know? I need more information in order to settle.
My next step is to file a suit against the credit reporting agencies, Experian and XXXX to be exact. They are continuing to add to the initial fraud inwhich one has done to me. Their investigation continuously come back with the same results, verified, but never once providing me with any proof. This is my last request for you and your companies to block the following from my credit report ... .1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 )  XXXX XXXX {$56.00}, {$52.00}, 4 ) XXXX XXXX XXXXXXXX 5 ) XXXX 6 )  XXXX XXXX
XXXX XXXX cards, please go to the website. issued a XXXX XXXX XXXX XXXX XXXX to me XXXX XXXX XXXX but would not deliver it to me. Instead the card went to several other people- Identity Theft. XXXX and XXXX were asked by justice and law enforcement and by cfpb to personally deliver the card to me. They have not done so. The damages are enormous from the identity theft and from not being able to use the card myself. I can be found at The XXXX XXXX XXXX XXXX in lower XXXX just a few feet away from XXXX XXXX. 
CFPB try extremely hard to have XXXX personally deliver the card to me, XXXX XXXX XXXX. You know that it is breaking the rules far too much what credit card companies have done to me.
I requested a credit line increase to one of my cards. They immediately sent me a letter that this was not possible since I already have the highest credit amount that they issue. Yet they ran a hard inquiry to my credit, hurting my score for no reason whatsoever. They should not have ran my credit and put a hard inquiry against my credit score, knowing full well that there was no way to increase my credit limit since I already had the highest amount they offer to any of their clients. I want this inquiry removed from my credit. 

KOHLS/CAPONE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/XXXX
I paid a debt owed to XXXX, but the collections agency, Rash Curtis, continues to harass me, calling during work hours and trying to get interest on the already paid debt to XXXX. I have an email from XXXX attesting to the fact I have paid my debt in full.
I accepted a 0 % interest for 12 months balance transfer offer from USAA and set up automatic withdrawals from my credit union account so that the balance would be paid within those 12 months. I ended up paying off the balance about 4 months early and attempted to cancel, without success, the remaining XXXX payments. I had a XXXX balance on that card in XXXX, yet USAA still withdrew the payment. I contacted them, they said they would cancel the remaining payments but that they would " have to put a ticket in ''. On XXXX XXXX, they again took money from my credit union account when I had a XXXX credit. I contacted them again and requested that they replace the money into my credit union account and they said they were unable to do that. I will be contacting my credit union today to request that USAA no longer be able to withdraw funds from my account.
In XX/XX/XXXX, I purchased a vehicle through Ally Financial, this was a Saturday. The following week, I contacted my credit union, XXXX XXXX XXXX XXXX, and refinanced the auto loan. I refinanced this loan well before the first payment was due. I have had several accounts and loans with this credit union and I have never had any issues and continue to use them for almost all of my loans today. Sometime that XX/XX/XXXX or that XX/XX/XXXX I was made aware that, somehow, the original check sent to Ally was a little short. I contacted XXXX and they promptly took care of the issue. Upon pulling my credit report, I realized that somehow Ally had shown delinquent payments of 30 and 60 days in XX/XX/XXXX and XX/XX/XXXX, well after the refinance was completed. I have contacted Ally and disputed multiple times but was told XXXX never contacted them for the full payoff amount. I have even asked how would my credit union have come up with the payoff amount without contacting Ally but they just say they have no record, XXXX just magically came up with a random payoff and sent them a check, I guess. I have attached several documents to support all of this and I now see that my credit report shows Ally to report the loan was paid in full XX/XX/XXXX but yet I still show late payments for XX/XX/XXXX and XX/XX/XXXX of the same year. I have explained on multiple occasions that this must have been an accounting error or something and XXXX has even sent a letter to Ally explaining the mistake and accepting full blame but Ally refuses to remove the two negative marks from my credit report. Please see attached documentation.
I have contacted Capital One multiple times between the weeks of XX/XX/18 through XX/XX/18. I am unable to make an account online to be able to pay my future bills. I keep being told that I had an old profile and that they have to delete my profile in order for me to recreate an account. I was told I would be called back. Eventually I was called back was told they were still having issues with this problem. I was then hung up on. When I called back, I was told that it would be another 10 days to fix the issue. I need to be able to pay my bill online and Capital One is not following through on me being able to create my account that I am having issues with.
XXXX XXXX is reporting the account inaccurately. This account has not been a collection account as I have paid this account every quarter per loan agreement. This account should not have a 30-day late showing. This account has displayed inaccurate information for more than 8 months which is a violation of my FCRA rights. I informed XXXX back in XXXX that the account was wrong ( see attached ) yet NO ACTION was taken on the account by either XXXX or XXXX.
I have received two phone calls from Eastpoint Recovery Group ( XXXX ) for a debt that belongs to my mother ( XXXX XXXX ). The first call was on XX/XX/18 and the caller left a message. Message stated that I " needed to contact the office of XXXX XXXX regarding a formal complaint filed by one of my clients. Please be advised that my client is adamant with respect to their assertions. I'm hoping you can come forward and provide a statement. I'd like to speak to you before this becomes a public record. '' This message never mentioned a collections agency or that a debt was being collected. After searching the phone number on the internet, I assumed this was a scam by someone pretending to be an attorney. 

The second call was on XX/XX/18, which I answered. The call came from the same number and was the same voice. I told the caller that I was the daugther of the person he was trying to reach, to which he said I needed to make her call him back. I then asked who he was with, and I was given the Eastpoint name. The caller stated that he had tried to reach my mother XXXX stated correct cell phone number ) and had failed. And that if she didn't contact him, they would serve papers. The caller implied that a lawsuit had been filed in XXXX county OH ( family lives in XXXX county OH, original debt was owed to a company in XXXX County OH ). I told the caller that he wasn't giving me any information that couldn't be found on the internet and I didn't trust him. I told the caller that I couldn't verify their phone number or find a XXXX XXXX in any attorney database online, the caller started shouting at me that " this call is recorded and I never said I was a lawyer '' ( see voicemail above, caller implied he worked for an attorney. Has also now stated he was filing a lawsuit ) and screamed that I can't rely on the internet, that if I had called back, I would have been able to verify the number - to which I responded that scammers use that tactic. As he continued to yell at me, I told him not to call my number again and that I would forward any future calls to my attorney then hung up. 

After speaking to my parents and relaying the above information to them, I was told this is in regard to a debt that has already been settled directly with the original company. This information has been relayed to the collector on multiple occasions. This XXXX XXXX continues to harass me, my mother, my father, and also calls the family business. He often shouts on the phone and implies that he works with a law firm, that he will be filing a lawsuit, and other harassing tactics. 

I have reported this complaint with Eastpoint Recovery as well.
Since XX/XX/2016, I have been trying to communicate with XXXX to verify and validate my debts successfully with a contract bearing my signature and they have been unsuccessful in doing so. Note, today is XX/XX/2016 so six months have passed with only a bill statement to show. Recently, i initiated an online dispute with Equifax regarding this debt and they said that the debt was " validated ''. How has the debt been verified and validated? Under the FCRA, a contract bearing my signature has to be supplied, and XXXX does NOT have a contract with me regarding this debt.
XXXX XXXX XXXX XXXX XXXX XXXX, WI failed to Bill Medicare within the 1 year limit for services. They have turned the account over to Transworld Systems Inc. for collection despite my providing proof from Medicare that this was an error their part.
I was approved for an installment loan in the amount of {$3000.00} back inXX/XX/XXXX ; after losing my Job in XX/XX/XXXX and unable to continue my monthly amounts, I stopped making payments. 
In XX/XX/XXXX, after doing temporary work for the next 2 years at a lower salary, I renegotiated a lower amount of {$120.00}, but was unable to continue due to unemployment thru XX/XX/XXXX. 
In XX/XX/XXXX, after finding a full time permanent position, I contacted AVANT, AGAIN and renegotiated another payment arrangement of {$140.00} for 8 months as a settlement amount of {$1000.00} to finally settle and pay this loan. I was making my monthly payments as scheduled until back in XX/XX/XXXX, I received a notice from AVANT stating the agreement was null and void, I has missed making one payment iby the due in XX/XX/XXXX ; I had emailed Avant to let them know this payment would be late. I made the XX/XX/XXXX payment up in late XXXX by making two payments in XXXX XXXX. The loan was due to be settled as of XXXX XXXX, my credit report updated and loan settled as paid. I was like WOW, I was so close to having this thing done and paid, when they pulled this and my credit file was to be update SETTLED and PAID!!!