WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a victim of identity theft. I took the proper steps and filed with the FTC, a police report, and sent a letter to the reporting agencies detailing the items which were not mine and requested a block with the following items enclosed : police report, FTC report, copy of drivers license, credit report with items highlighted. 

The agency reported they denied my block but did not specify which of the three reasons applied to their denial. The items were initially removed but the credit reporting agency is reinserting as " their investigation '' which was well over 30 days are beginning to be reinserted. The reporting agency is violating the law by saying the creditor says i owe the amount, although as an identity theft victim they can not rely on creditor reporting to determine i am liable for a debt. I will refile on XX/XX/XXXX with full police report now that it's available. 

Dates : Noticed identity theft around XX/XX/18 by a collection letter.

Filed identity theft with FTC on XX/XX/18.

Placed fraud alert on XX/XX/18.

Filed police report on XX/XX/18.

Filed certified with credit bureaus on XX/XX/18 with return receipts.

Filed updated FTC report with credit bureaus on XX/XX/18 with new information on credit report.
On XXXX XXXX, 2015 I borrowed {$1000.00} from Sun Loan Company in XXXX XXXX, Mo. to be repaid in 14 monthly payments at a rate of $ 158 monthly at a annual percentage interest rate of 67.03 %. When I realize what this loan would cost me in interest, I called the company in XXXX, 2015 requesting a payoff of the loan. The figure they quoted me seemed way high so I send the monthly payment in for XXXX. 2015. I called the company again on XXXX XXXX, XXXX expressed my displeasure on the payoff they gave me and request a manage call me and give me another figure. The lady on the phone told me she was the assistant manager and gave me a figure of {$1300.00} and told me the payoff would be good for 10 days from this date, but she stated I owed {$30.00} plus dollars for late charges. I immediately mailed in the check for {$1300.00} to Sun Loan Company and as of today my check has not been cashed by my bank. Instead I have been receiving daily calls from Sun Loan Company representatives telling me to call their office as soon as possible to discuss my delinquent account and today I recei9ved a nasty letter from Sun Loan Company threating to take collection action against me if I do not get my past due account current. They also state in the letter I received that my credit rating will be effective if I do n't communicate with them.
Currently, I have a  XXXX  mortgage with  OCWEN Loan Servicing. Over th e last 3 months I have noticed that the payments are being applied to my checking account for deposit close to the late notice deadline, the  XXXX  of each month. In fact, two months back, I was charged a late fee although the payment was sent on the first of the month, before the deadline. I immediately started to receive threating foreclosure calls to my home. This prompted me to start tracking check deposit dates which in all cases were close to the   XX/XX/XXXX .  This month,   XX/XX/XXXX   the payment was mailed with 2 day delivery ( through the postal service ) and the check was not deposited until  XX/XX/XXXX .  <P/> I am concerned that this company is being intentional about late payments and perhaps derogatory credit rating. It was troubling that with a late payment ( which was their delay ) that calls started immediately to home threating foreclosure.  <P/> I am concerned about this company and their practices.
Simple. 
I had a past due account with XXXX XXXX that went to collections in XXXX XXXX. 
I paid the collection XX/XX/XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XX/XX/XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.
Hello my name is XXXX, the reason i am writing you today, is I truly believe i was deceived and scammed by XXXX ... .back in XXXX of XX/XX/2013 I saw a great deal on TV for {$19.00} a month for 6 months and internet for {$9.00} when you bundle them together ... When i spoke to the representative he insured me that this deal was going on ... I very clearly asked him ... if I, order service from you i ONLY want to just sigh a ONE YEAR deal, and i asked can i do that?? ... and he replied of course you can and signed me up for a 12 month contract ... well what end up happening was they lied to me and just signed me up for cable not internet ... .because my bill was {$29.00} a month more then we agreed upon ... and they said you never bunddled so i was over charged and had to fight with them to credit it several times ... when i had enough of the over charges i deiced to cancel there services one month early of the one year contract ... but what i did n't know was when they XXXX installed my service and i signed the giant pack of papers they gave me to sign they roped me into a 2year contract in which i was never informed about and they never told me when i cancelled ... so now they clam i owe them an extra {$280.00} for terminating my contract early plus the collect agency fee, which i been receiving in the mail..and I spoke to someone in there headquarters and they just told me " when you signed the order you agreed to the extra year '' ... sorry..I just found out that the FTC charged them with Deceptively Advertising. so i thought i send you this letter ... .if you have any doubt on what i am saying ask them for you to listen to the tapes you have my permission and thank you for hearing me out.
This company is reporting several items on my credit report and I have no idea what they are. I sent a request for information and have not received anything. I do n't even know what these are or where they originated and so forth.
I had a company make a withdrawal from my checking account and they had already been paid from another one of my hunington bank accounts called in to stop the process but was told I was to late and that I need to file a dispute I did I submitted all the documents contacted the company they agreed that the was and error on their behalf agreed to return the funds minus the over draft fees and my dispute included a all overdraft fees associated with this transaction I was lied to by hunington every rep I spoke to told a different story I just want my money back from XXXX XXXX XXXX transaction in the amount of XXXX plust all fees
I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good  XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good This account is paid in full.      XXXX  Last reported :  XXXX   XXXX ,  2017  {$7500.00} This account  is 7 years old an d should have been deleted.      XXXX   XXXX    XXXX   XXXX   Last reported :  XX/XX/XXXX    {$3000.00} In Collections/Charge-off
I show that all credit reporting companies are putting the credit run by my existing accounts to verify credit if it get increased or there normal check up shows up like i asked for a new account. 
I have had my loan for home be bought out 3 times now. I show XXXXr on my account now twice that is normal because they purchased the loan that is not me checking for new credit. It was XXXX now XXXX XXXX that has my morgage, Experian : It was run on XXXX/XXXX/XXXX and XXXX XXXX so that is normal for a home lender. Please tell them i should not have this against me. 

Also i have XXXX XXXX XXXX account i have had a long time. They moved over my accounts and merged the total on some to increase XXXX card that i use to higher total. I now have XXXX XXXX XXXX on their too. XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. Existing accounts. 

XXXX XXXX - I have no clue who this is but i have a feeling since it is the same date as XXXX XXXX this is the same thing on my file showing pulled credit. 

XXXX XXXX These are the same people and i do n't recall them asking to pull credit. 

Who is this and i have no clue who it is? XXXX XXXX : They have the exact stuff XXXX XXXX and XXXX XXXX XXXX please resolve and take off.
Equifax is reporting a federal bankruptcy on my credit report. The reference number is : XXXX for the amount of {$0.00}. It says the file date is XX/XX/XXXX. This information is incorrect and is hurting my ability to obtain credit. I couldnt of possibly filed in XX/XX/XXXX when I wasnt even born until XX/XX/XXXX. I would like this information removed immediately.
Americollect has not reached out to me about this account I checked my credit report and it was on there this is not my account. I have no knowledge what server of this collection account.
Navient has called me and my relatives 27 times in the past 24 hours. This is extreme harassment. I scheduled my payment to be made but their incompetant customer service cant get past that. I work XXXX hour days from XXXX to XXXX I dont need to be harrassed by them when I have this mountain of debt to worry about.
EXPERIAN is reporting in valid accounts on my credit report I have requested their investigation procedure according to the FCRA U.S. Code Title 15 Chapter 41 Subchapter III 1681i 15 U.S. Code 1681i - Procedure in case of dispute They continue to ignore me
All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible.
Initial Dispute sent via certified mail was received from Experian Dispute Center for XXXX XXXX   XXXX collection Item for {$500.00} on XX/XX/XXXX via certified mail. 

Report # XXXX This report states the credit item XXXX XXXX XXXX was deleted and removed from credit report. 

I noticed on XX/XX/XXXX that this item reappeared or was re inserted on my credit report by Experian through my credit monitoring service. 

I contacted Experian on XX/XX/XXXX via certified mail to remove this item from my report since the FCRA states that the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion which in where i was never notified of reinsertion and why. 

Report # XXXX I received a reply from Experian on 6/18/18 with an updated report showing the XXXX XXXX  XXXX collection which still remains on my credit report. The status of the collection reads that " this item remains unchanged from our processing of your dispute in XX/XX/XXXX. '' This statement is inaccurate because this collection item was in fact deleted from my dispute inXX/XX/XXXX
In XXXX, XXXX we filed for Chapter XXXX Bankruptcy and at the time of the intial filing, we reaffirmed our mortgage with GMAC. The Discharge was entered on XXXX/XXXX/XXXX. We never missed a payment and never made a payment late. In XXXX XXXX, due to GMAC 's bankruptcy filing our mortgage was turned over to OCWEN and so began the nightmare. It 's been one thing after another with this company - I do n't understand how they are still permitted to do business! During a routine credit report check, I found that OCWEN is reporting our mortgage as " Closed - Derogatory '' and in remarks it states " Chapter XXXX Bankruptcy ''. In XXXX of this year, I called them and was told I 'd have to provide supporting documentation to my claim that they were no longer allowed, under the laws of the FCRA to report such things. I did so via certified mail on XXXX XXXX, XXXX. I awaited a correction to my credit report, which was never made. I contacted OCWEN again on XXXX XXXX, XXXX and was told that they were sorry for the error, they did, in fact, have supporting docs on hand and this reporting was an error on their part that they would get corrected. I just received notification from them that states they will notify the credit reporting agencies to change the remark to show the loan was discharged through bankruptcy ... what????? TWELVE YEARS after the discharge ( and REAFFIRMATION OF MORTGAGE ) the only thing they should be permitted to report is the fact that our loan has been paid on time, never late!! There should be absolutely nothing in my credit reports about a bankruptcy - is n't that correct???? We have paid and paid and paid for our financial crisis, OCWEN should not be permitted to continue this type of reporting practice! I have spent hours on the phone and writing letters to these people and I feel like I am just beating my head against a wall. I have no doubt in my mind that we are not the only ones fighting this type of a battle with OCWEN. I do n't know where else to turn. We do n't have the money to hire an attorney and should n't have to. Please help!!!
XX/XX/XXXX-XX/XX/XXXX I went to college, a school that was sued and closed down by the Federal Trade Commission! The name of the school was named XXXX XXXX XXXX. After leaving the school, do to deceptive advertising practices, I enlisted in the US XXXX in XX/XX/XXXX, to help me pay for my federal student loan, which was {$2600.00}! The military had in option to pay that off. They didn't do it. After joining, you are not allowed to have cellphones, Internet or anything like that. So that debt fell into collections, and was eventually lost, do to me moving from basic training, advance training, my duty station at XXXX XXXX Texas and finally XXXX. I saw that from time to time on my credit report. My point is that should be OFF my credit report because its way past the 7 year statute of limitations. 

As for the main two NEGATIVE marks on my credit report, are from XX/XX/XXXX one of which is {$3000.00} and the other is {$4000.00} ... .. These are WRONG! They are both listed as EDU. I did NOT attend ANY school in XX/XX/XXXX! Nor did I take out any loans or credit cards that equal the amount listed there! These are both erroneous marks on my credit report. 

I enlisted the help of XXXX XXXX to help dispute these negative marks. I been tentatively selected for a XXXX XXXX. And I don't want something that dose not even belong to me, ruin my chance at wonderful career. I have in til XX/XX/XXXX to make my case to the Point of contact at the government. 

Any proper debts I do have are well beyond the 7 year statute! In fact in XX/XX/XXXX I took out a auto loan for {$14000.00} and I paid that XXXX in XX/XX/XXXX!!!!
On  XXXX   XXXX ,    2017  I contacted Equif ax Information Services re garding the removal of my current mortgage serviced by   XXXX   XXXX   XXXX   from my credit file. I spoke with a representative whom advised that Equifax had rece ived an " Electronic Communication ''  from  XXXX   XXXX   XXXX  to remove the item from their credit reporting. I spoke with  XXXX   XXXX   XXXX  on the same day  XXXX   XXXX ,  2017 , and they advised that they had not sent any communication to Equifax regarding my account and it still should be reporting as usual.  XXXX   XXXX   XXXX  faxed me a copy of the information that had been reported earlier in  XXXX  to Equifax for reporting.     Due to Equifa x Information Services  removing my mortgage from my credit file, my credit score has dropped from  XXXX  to  XXXX .
Checking my credit score online realized an address in XXXX Ga is on my credit report never lived in XXXX, GA. I have never lived in XXXX Georgia on XXXX XXXX or whatever that street was ... ....
My daughter attended XXXX XXXX XXXX XXXX for only 1 year in XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, she returned back to New York due to physical health issues and stress. She has not returned to the school and officially left in XX/XX/XXXX. During the process of enrollment, it was understood that her loan which should belong to her and accepted the responsibility for it is under my name and I'm a senior. I no longer need any more schooling since I have a XXXX   In XXXX XXXX let alone one such as this one which costs more than I make a year. However, the estimates that XXXX are stating from XXXX are completely inaccurate and the information provided to them regarding Social Security numbers, birthdates, etc. are not correct and someone had been using my information to take out a loan to attend in XX/XX/XXXX for the Fall Semester when my daughter had not even returned to attend. I was also tricked by the school and XXXX into taking these loans for this school in which I was so robbed of XXXX dollars due to fraud committed by the school in regards to their housing situation which my daughter was almost homeless because of this. Since, then my credit has been getting damaged due to this loan which does not belong to me and prior to this my credit was fine and without issues. Now to even get in touch with these people are impossible since they don't really feel the need to help the people they are promptly ripping off with their outrageous loan estimates. Their customer service is the absolute worse and I've tried several times to get them to send me statements about what is owed, hard copy ones in the mail and I waited for a good month. Nothing! They don't send anything proving this debt or the extent of it for one. The other is when I called they had my SSI number attached to my daughter 's instead of hers which was a glaring error that led me to not only file a complaint with my New York State Attorney General, as well as seek legal counsel and contacted XXXX and XXXX to put my account on alert for fraud. I believe firmly that my personal information was misused to obtain these loans and get more money from the loan holder, XXXX. This company is a fraud and something has to be done about them because no matter what I try or do, they just won't cooperate. I report the fraud on the account and they continue to purpetrate it to the fullest extent which are similar tactics that XXXX XXXX XXXX did a decade ago before they got caught and had to pay restitution for it. They refuse to send statement in the mail ( and I don't mean emails ) I want hard copies, they refuse to help me in anyway and they don't care my well being. I want to get rid of this loan once and for all and most assuredly to another loan servicer that would most likely help me get out of it due to these legal issues. It is not right that a person of my age is in a position such as this and I do not deserve to be.
I traded my  XXXX   XXXX   XXXX  to  XXXX   XXXX  on  XXXX   XXXX  and purchased a new car with them. At that time I gave the dealership my pay off screen shot and per diem and good through date from Ally website. I got a call from notification that I still owed  XXXX  after the payment was applied. I have contacted Ally a number of times to inform them I no longer own this car and to contact dealership. They told me they do n't care and Its still in my name. Ally refused to contact them and send them info to get this matter resolved. Its a lousy  XXXX  and they are giving me a hard time and threating me about reporting to credit bureaus. ACCOUNT NUMBER  XXXX   XXXX   XXXX
I applied and used this card to make an initial purchase on XX/XX/2018.I loved the fact that they were supportive of veterans as I normally shop online. I have been waiting for a verification code or call from this company since then. I went online to register my card and was given a number to call. When I called that number I was told that I needed to wait for a verification code to come in the mail. To my understanding this code has been sent out in the XX/XX/XXXX. I have changed addresses and asked if another one can be sent out. I spoke to 4 different representatives who said there was nothing that can be done and I just have to wait for the code or phone call. However if I do not pay the balance by XX/XX/2018 a late fee will be added to my account!! The last representative that I spoke to was a liar and extremely condescending. She stated that all of the representatives we from her department and no one that I speak with is going to tell me anything differently. Someone is not telling the truth because the previous representative said that I need to get in touch with consumer fraud protection which supposedly is XXXX department  at XXXX. I have been a cutof XXXX  for years! And if this is they way that I am going to be treated then this company as well as its affiliates do not deserve my business. XXXX even went on to say that I can make a payment in the store but I still will not be able to use the card until XXXX can verify who I am. If they can not provide me with another code to verify who I am I am requesting that this account be closed and removed from my credit report. What is the point of keeping a blocked card?!! Abosolutely horrible customer service from corporate. This is absolutely unsure and unacceptable for a company who claims to support veterans. I am a XXXX XXXX XXXX XXXX veteran. Situations like these as well as customer service representatives like XXXX are contributing factors to why there are 22 veterans XXXX XXXX   everyday.
Yesterday, I received in the U.S. mail my " Free '' annual credit report from " Equifax '' dated " XX/XX/2018. '' On " Page 12 of 54 '' under the " Previous Addresses '' section, it STILL lists that I once lived at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, MN ; XXXX ; Reported XX/XX/2018. '' I have NEVER lived in Minnesota. 
" Equifax '' has STILL refused to take this false " Identity Theft '' Minnesota OFF of my " Equifax '' credit file that I first noticed and first also reported it to " Equifax '' about 4 years ago!!! 

" XXXX '' and " XXXX '' has NEVER listed this " Identity Theft '' Minnesota address on my credit files with those 2 GREAT credit reporting agencies. 

Which tells me that " Equifax '' must have a dirty employee at their company who is on the payroll of this Minnesota " Identity Theft '' crime ring. 
This is my 8th time in 4 years of complaining about this " Equifax '' mistake!!! And each time " Equifax '' takes OFF this false Minnesota Identity Theft address after I complain about it to the U.S. CFPB. But a few months later, " Equifax '' places this false Minnesota Identity Theft address BACK ONTO my " Equifax '' credit report until I catch THEIR mistake AGAIN usually in the FALL when I request for my " Free '' credit reports!!!!
I want to disputed Delinquent past or present credit obligations and excessive utilization of revolving credit and derogatory past
I have received my Capitol One Bank Credit Card 3 weeks ago, until now I ca n't access my credit card online, I gave them several calls from 3 weeks ago I even visited there branch office to get this fix, until now no resolution, I have been promised several times 72 hours every time I call, fast forward to 3 weeks now still no resolution not even a tracking number for my complaint.
Even after I had verbally stated for this company to stop calling me, they continued to harass me. They have threatened to take legal action on more than XXXX occasions and have been pushy about me giving them a post dated check for the full amount of the debt.