WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of possible identity theft. An amount of {$4100.00} has been placed for collection by XXXX - on XXXX/XXXX/XXXX - through a collection agency named Convergent LLC based in XXXX in Washington XXXX ( XXXX ). I have not subscribed to XXXX as XXXX XXXX XXXX has been our communications provider for decades. I added XXXX phone/internet/FiOS service in XXXX XXXX. I had some messages from XXXX collection at that number ( XXXX ) but ignored those thinking these were for the previous holder of that number. 

I have so far informed the XXXX credit bureaus and Washing State Consumer Complaints division. 

As a XXXX I am charged with reporting any such fraudulent activity affecting me.
I reached out to both Transunion and XXXX to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are : Transunion : XXXX , XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX  XX/XX/XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
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The following are inquiries from XXXX that are not authorized by me : XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
I was charged capitalized interest for being 3 weeks late verifying my income. I received just a standard " New document ready to view! '' XX/XX/XXXX. This is well before the renewal date and in no way indicated in the email any action was required on my part. 

I only went and checked verify because I was concerned I had n't received notification it was time for me to do so. While I was able to verify and lower my payment back to IBR levels I took an almost {$4000.00} hit on capitalized interest. 

This process is incredibly deceptive.
I was contacted by a company by phone claiming to be XXXX XXXX. They said my computer was sending out error messages and needed repairs. Later that day I found a sent email as if I wrote and signed a document to a company named XXXX XXXX. I called Chase Freedom XXXX immediately because this was not submitted by me. I was scammed after calling XXXX and finding out it was not them and that they have no association with XXXX XXXX Over the XXXX months of trying to get my money back because I received no services from XXXX Chase finally told me it 's a civil matter now there is nothing they can do even though I was a victim of a scam/misrepresentation they are not XXXX and I am a therapist that could have lost everything I worked for.
XXXX has a collection on my credit file. I sent a debt validation letter. They sent me a piece of paper with my name account number bill period and bill date with amount. I have also did a dispute on the item and it has been denied. I have no knowledge of this account. It has an address that is old. I moved in XX/XX/XXXX and they are stating a bill for XX/XX/XXXX at the old address. I did not have XXXX at that time. I have been with another cell phone company during the time they are stating.
I recently applied for a mortgage thinking that my credit was OK to proceed, but a disputed issue with Bank XXXX XXXX popped up after I thought it was resolved back in XXXX. I was divorced in XXXX. My X previously forged my signature on XXXX docs & I got that cleared up, but he also forged my signature ( I guess ) & gave me a credit card which I thought was a joint acct with XXXX XXXX XXXX. That was in XXXX. I never had anything to do with him before that & Bank XXXX says I opened that acct in XXXX. That 's when he was divorced from his XXXX wife. Seems that I was mistaken for her previously. My issue is with a credit card I never opened/signed for or even wanted. The acct # they are claiming was mine is not the card # I have on record that my X gave me. He is a real crook, thank XXXX we are n't together anymore. He opened & closed several accts & was xfering $ back & forth. The divorce settlement is not closed because he still owes me over XXXX to this day. I might never see that money. He also filed for bankruptcy but the claim was denied. He wanted to get out of paying me. Anyway, XXXX says the said acct was charged off & worth over XXXX. The XXXX mtg lender denied me based solely on that information that I thought was closed in XXXX. I learned about it at XXXX back when I was trying to establish my own credit after the divorce. I was in touch with all XXXX credit agencies & they posted my letters of dispute & fraud. XXXX never said another word. I thought I proved my case so I lived my life till now. My question is how can they take it off my credit report & then put it back on? If it was charged off how can any lender use that against me? What do I have to do to restore my credit? Is this legal, what is happening to me, or do I have to get a Lawyer? I really want to be established here & have found the perfect home for me. I am very depressed that this is happening to me based solely on what my X has done to me. He even stole my car at XXXX pt, but the Judge made him return it or go to jail. My X is such a jerk I want him punished for what he 's done to me. What should I do? Please be so kind to give me some assistance. I 'm at the end of my rope now. Please do not delay to write back soon, I am desperate. Thank you very much for listening ( reading ). I have no way to attach any documents so if you need anything I have tons of paperwork, whatever you need just let me know & I will get it to you somehow. Thanks again : )
I 've contacted transuion about 3 times in regards to inquires placed on my credit file. I have an active fraud alert on my credit file and i 'm still getting unauthorized inquires placed on my credit reports. I was never called and asked to verify my information XXXX XXXX Inquiry from XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX
Hello I am having problems with alot of Inquries on my Transunion Report. there are Inquries that I did not authorized. its causing me problems with getting approved for loans and Credit Cards. if you can help me, I would Really Appreciate it.
I have been trying to get my mortgage modified with Freedom Mortgage since XXXX. My mortgage became delinquent due to my unexpected XXXX due to the XXXX of my husband. I had been a victim of extreme XXXX XXXX and XXXX for 35 years. I had been XXXX XXXX XXXX XXXX  and XXXX and other atrocities. On XX/XX/XXXX my husband was supposedly XXXX  in our home and he XXXX later in the hospital. I was XXXX with his XXXX because while trying to get help when I saw him XXXX, I mistakenly told the XXXX XXXX I XXXX him. I told her that to try to get help for him because I was startled out of my sleep after not sleeping for 21 hours and I fell asleep with a XXXX XXXX to keep it away from my husband who was XXXX XXXX XXXX XXXX. I didn't see my husband until after I jumped up from my kitchen desk and looking through blurry sleepy eyes. I did XXXX XXXX XXXX XXXX XXXX  in a XXXX XXXX XXXX and my mortgage got behind. 

I had my oldest daughter who had power of attorney for me, put in a temporary forebearance in XX/XX/XXXX thru XX/XX/XXXX which was successful. However the man that she was working with disappeared from the case. Freedom Mortgage never pursued the procedure or tried to continue with the process. At that time, I believe my mortgage was around {$28000.00} plus any late fees and other costs. 

My daughter tried unsuccesfully to get the mortgage company to continue with the forebearance process and to do a mortgage modification. 

I was released from XXXX XXXX on XX/XX/XXXX and I called the mortgage company the first week of XXXX to try and start the mortgage modification. 

I applied to the Social Security Administration in XX/XX/XXXX and was given my benefits, with the first check to start in XX/XX/XXXX. I asked the various mortgage representatives that I was assigned to, including XXXX my main point of contact in the Loss Mitigation Department about paying my mortgage. He told me, as well as many other representatives at Freedom Mortgage that if I went ahead and sent in payments, they would be sent back and not accepted. 

At this point, I am now well over {$90000.00} in the arrears. I sincerely believe that had I been allowed to make payments, I would not have gotten that far in the arrears. When I came home from XXXX, my account was approximately {$64000.00} behind. Had I been allowed to make payments regardless, I would still be at the {$64000.00} behind instead of $ 90000.00+ I did pay the homeonwers insurance in full in XXXX or XX/XX/XXXX. 

My complaints are as follows : Mortgage company refusing my payments, and I was told not to make any, as they would not be accepted due to being in default. 

Mortgage company has literally caused the mortgage to get further behind by not allowing payments early on. 

Freedom Mortgage is now placing charges on my account for people coming out asking if I am selling my home, and to verify that I actually live in the home. I have disputed those charges, as I never agreed to anything like that when I signed my mortgage not and deed of trust. THIS IS AN INVASION OF MY PRIVACY! Strange people ringing my doorbell and knocking on my door all hours of the day and night. Some of the people are taking pictures also.
Credit Corp Solutions has been attempting to contact me with spoofed local XXXX numbers. They began to contact my work number and on XX/XX/18 I sent them an email attempting to negotiate a settlement and also directed them not to contact me at my work number, as I am unable to receive these types of calls. I know they received that email because they contacted me on my personal number about it and I spoke to them about it on XX/XX/18 before deciding to try and speak to an attorney. Today, XX/XX/2018, I was called at work from a known number of theirs that theyve used to spoof before to contact me. I have asked them not to contact me at my workplace and they ignored that request. They have also threatened to send me to pre-legal which is not an actual legal action, and have threatened to damage my credit by reporting to the credit bureaus which they havent done yet.
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady. I can recall once I was in prison which was suppose to be covered under either forbearance or deferment but I was denied eligibility. The school is also saying I owe them for loans that were returned to the lender and I had to drop the class but still show in my balance. Something needs to be done about these predators.
I received a call from a company name XXXX XXXX XXXX, XXXX stating that they was going to file a lawsuit against me from a company Name XXXX XXXX who they said that i owe a payday loan too.The first price she quoted to me was XXXX. Then she stated that they will settle for XXXX. The person name was XXXX XXXX XXXX. I then Called the company name XXXX XXXX and they stated that they do not have any records on me owing them any payday loan. I gave them all of my information to check the database and nothing came up in my name. So i was told that they do not have any owed payday loan in my name. That when i contacted your company. I also sent you the Settlement Letter they emailes to me. I never responded to there letter and never gave them any money or my account number to withdraw cash. Their email address is as follow : XXXXXXXXXXXX. Address XXXX XXXX XXXX XXXX. # XXXX, XXXX, Ca. XXXX. Phone number XXXX.
trying to remove these accounts  XXXX , from transunion,  XXXX , and  XXXX .
Hi my name is XXXX XXXX we have applied for a mortgage with Quicken Loans and ended up switching lenders Midway through XX/XX/XXXX Quicken Loans received a statement saying that we were transferring or FHA loan to XXXX XXXX XXXX and I have attached a copy of that statement. Which time Quicken Loans should have quit processing or loan but they did not they continued to process the loan without our knowledge or a written document after the XX/XX/XXXX for a intent to proceed. On XX/XX/XXXX are Quicken Loans contact XXXX  XXXX send us a text message which I have attached stating that he had received a message saying that our loan was being transferred and he needed to know what was going on. Within one minute I replied back to him in the form of a text message once again that are loan was being transferred to XXXX XXXX XXXX he then proceeded to text me that he wanted to give us {$1000.00} in closing cost and {$500.00} after closing. Later that day we have come to find out that there was an appraiser at the property that was Quicken Loans appraiser. We had tried to contact him to ask him why he was there and this was all after the fact that he had already performed the appraisal during his appraisal nor the owners of the property or our realtor was present were unsure how he had access to the house and he is not willing to tell us. I have contacted the executive team and spoke with XXXX XXXX for her to look into this we are wondering why or loan was processed without our knowledge after we submitted several times that it was being transferred the response I got was there was nothing she could do about it and they needed to give the appraiser at least 24 to 48 hours to cancel the appraisal however there's no way we could have done that since we have no knowledge of the appraisal even being performed it was never conveyed to us that appraiser from Quicken Loans was going out there or would have made sense for us to call I even spoke to a gentleman by the name of XXXX around XXXX that same day of the appraisal asking about the XXXX dollars for closing and a {$500.00} after closing XXXX for me before an appraiser would even go out to the property that Quicken Loans would give us a call I have pulled all of my XXXX bills as well as my realtors and no phone call was ever made to us or convey to us that there was a realtor on his way out there I also ask Quicken Loans for their third party vendor phone number who the order appraisals through and was told that they would try to disclose the information but I have not heard a response back
I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.
On XXXX/XXXX/XXXX I submitted a request with Equifax.com to freeze my credit account. After submitting the pertinent information, I received a response " We 're sorry ... .we can not process your online request concerning an Equifax security freeze. To assist us in processing your request, please submit in writing the required items outlined below : Complete name, complete address, Social Security number and date of birth. '' to Equifax Information Services, XXXX XXXX XXXX, XXXX, GA XXXX. 

XXXX*I AM NOT GOING TO SUBMIT THIS PERSONAL INFORMATION VIA MAIL IN AN ENVELOPE ADDRESS TO EQUIFAX XXXX!!!!!! 

After calling the automated Equifax Automated Information Request Line at XXXX, prompt # 3 Security Freeze and providing my state, social security number and numeric portion of my current address as requested, I have learned that my Equifax credit account is in fact FROZEN. I never received a 10-digit Personal Identification Number ( PIN ) for future reference to temporarily or permanently unfreeze my account in the future because at the time of my on line application/request, I was informed that my online request to freeze my credit account was unable to be processed at the time. 

I 've tried several different avenues of communicating my concern and frustration attempting to get instruction on how to proceed with handling this matter, and most of all, how I can gain access to and recover my 10 digital personal identification number ( PIN ). I 've called 10+ automated phone numbers i.e. Equifax Freeze Response Hotlines,  FTC Consumer Response Hotlines, and Consumer Financial Protection Bureau to get assistance with no avail to finding a solution to this problem.
Experian XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX This complaint involves Experian and their failure to remove an incorrect account as noted above. 

I have never had an account with XXXX ending in XXXX. At one time this some account was reported on all three CB 's ; however, after contacting XXXX and XXXX  informing them this was not my debt they both removed. 

Not so with XXXX ending in XXXX, I have repeatedly requested evidence of the debt which they have have not provided because I have never had an account with XXXX ending in XXXX and Experian upon written request has not removed incorrectly reported account, nor provided evidence of debt because they are unable to due not business relationship on my behalf with XXXX for an account ending in XXXX. 

Experian has failed to adhere to law related to credit reporting, fairness to the process and performed poorly as corporate citizen in this regard.
On XX/XX/XXXX I requested a charge back to my credit card. The charges totaled {$14000.00} for services that were never completed and that were falsely represented by XXXX XXXX XXXX. 

I hired this company and paid through a merchant account named XXXX and have spoke to them as well. They informed me they were aware that this company owned by XXXX XXXX was recently in court practicing law without a license and has had serious criminal history regarding violent offenses and illegal check fraud. 

The services I hired him for were never completed, and not of legal authority by XXXX XXXX. The services were a fraudulent " debt remedy '' process that I soon found out from XXXX XXXX ( the district attorney at the Colorado Supreme Court who found him guilty ) that they are not legally sound practices, nor are they going to be able to " remedy '' my debt as they had claimed. 

I have provided Chase Bank with all supporting documents from XXXX XXXX XXXX showing what I had paid for as well as proof of communication from XXXX XXXX stating that he was going to provide a refund. This refund never happened and he is now on the run and hiding from the FBI. I also provided them with multiple documents from the Colorado Supreme Court proving that this happened to me and several other victims of XXXX XXXX XXXX. 

OnXX/XX/XXXX, I received a letter from Chase Bank stating that they found the charge to be valid and that they would not be able to issue a charge back for the fraudulent services that I was lied to and deceived into. 

On XX/XX/XXXX, I went and spoke to an associate at a local Chase Bank branch and explained to him my situation. He initiated another claim and helped me submit all supporting documentation and told me that it should be more than enough information. 

On XX/XX/XXXX, I spoke to the disputes department at Chase Bank and was told that my case was still under review. 

It is now XX/XX/XXXX, six months after I initiated this second dispute, and it still has not been resolved.
On XX/XX/XXXX I called into Chase Credit Card to make a payment on my account ending in XXXX. The bill was a small amount but several months due to Hurricane hitting down south where my brother lives and my mother was staying. My mother subsequently became ill due to the stress of the damage and having to return back home to NJ and I did not pay attention to my bills. The total amount due was originally {$200.00} and the representative offered to remove the late fees so the balance paid was {$120.00}. I asked the representative if all was well with card and she said to wait 24 hours to allow payment to process and all should be fine. She said my available credit was {$20000.00}. I also inquired about my XXXX bonus points and she said I could also start redeeming them after the first 24 hours. This morning I went to XXXX and was declined a {$23.00} charge. I called Chase and they told me card was closed and I no longer have the XXXX points which have a {$550.00} value. So they in essence stole the money. I asked to speak to a supervisor who just said it was policy and had no interest in reviewing notes on my account. I also asked that the recordings of my conversation be pulled to verify my statements. I have been a Chase card holder since XXXX. They need to be held accountable.
They ignore all request ,They ignore Federal Judge XXXX XXXX ,They ignore their attorney  XXXX XXXX  XXXX XXXX XXXX XXXX They ignore my attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested an Amortization schedule  or a payment schedule so that I might know how much has gone to interest and how much has gone to the principle And what is my remaining balance  Planet home lending has never in 8 years even given any form of payment  Making it totally impossible to refinance  Their attorney XXXX XXXX  has approached Planet home lending LLC  requesting the amortization schedule  ,And has further noted they do not know how to make up that statement
On XX/XX/XXXX I voluntarily repossessed a vehicle with XXXX. On XX/XX/XXXX, that showed on my credit as a charge off for {$8900.00}. XXXX contacted me on several occasions asking me to settle the account, I declined. In XX/XX/XXXX , XXXX reported XXXX late payments to Equifax , I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year , XXXX again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. XXXX is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off in XX/XX/XXXX. upload screen shots of said proof