WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of Identity Theft and The Federal Trade Commission-Consumer Response Center-FCRA has been contacted and a complaint has been filed also I filed a police report and the FTC ID Theft Report on file. The accounts that are in question were originally with XXXX XXXX, the sold to XXXX, then sole to XXXX XXXX, and I have addressed the issue and they were deleted with All the Credit Bureaus. Now another company bought them under the name Ascendium Education which is reporting ( 4 ) accounts on my credit file ... Now another company called XXXX. XXXX XXXX XXXX XXXX XXXX is trying to buy the debt.
I have taken out a loan with Rise and tried on multiple occasions to pay extra towards the principal and each time they apply the extra monies incorrectly so that the principal amount does not go down and this allows them to charge additional interest I have made multiple phone calls to them and get nowhere the original amount of the loan was XXXX I have paid over XXXX todate and they say my payoff is over XXXX
My wife lost her business in the end of XXXX, we have since separated and are in the process of divorce. We have decided that I would keep the house. In XXXX XXXX, GTS told me to enter into a forbearance loan for 6 months. At the end of the period if I made all payments on time I would be eligible for a loan modification. My monthly payment was XXXX, the forbearance was XXXX a month but I was told to save the addtional XXXX for each month that I would be required to pay a lump sum of XXXX in XXXX. How this was supposed to help be get out from under is beyond me. It is now XXXX XXXX and I received a letter from GTS that they in tend to foreclose on my home on XXXX XXXX. They wont give me the promised loan modification and offer me no resolution other than curing the debt by XXXX XXXX. They basically lied to me, I have been paying everything in full and on time and yet they are treating me like a XXXX. I want to keep my home and I do n't know what to do at this point to keep these thieves from taking it.
On or about XX/XX/XXXX, my wife and I took out a loan from One Main financial in the amount of {$7500.00}. At all times until XX/XX/XXXX payments were made on time. On XX/XX/XXXXa bankruptcy was filed in the United States Bankruptcy Court of XXXX Washington. The case number was XXXX Both XXXX   and XXXX XXXX were included in the bankruptcy and One Main Financial was notified of the filing. Despite this, One Main continued to draft the monthly payment out of our account until XX/XX/XXXX. At that time, they were notified they were in breach of the bankruptcy automatic stay. On XX/XX/XXXX, the bankruptcy case was completed and a discharge order was issued.

On or aboutXX/XX/XXXX One Main Financial reported on both XXXX  and XXXX XXXX 's credit report that the account was 90 days past due and a balance was still owed. This is in clear violation of the bankruptcy discharge and is a violation of federal law.
In XX/XX/XXXX I pulled my report and noticed there accounts that I had no recollection of. I since have sent letters from XX/XX/XXXX to the latest XX/XX/XXXX to get this resolved. Each time they claim it was verified with no supporting documentation as requested. I have also noticed the dates are innacurate as well. They have a fall off of XX/XX/XXXX and XX/XX/XXXX when they both should actually be XX/XX/XXXX. This shows me that no one truly verified anything because this would have been corrected by now. I have reached out many times to them and they each time is a new excuse. They either can't ready my I'd which I have copies of everything sent. They have been unable to tell me who and how anything was verified and tell me just dispute it again and again. The system was down or could be pulled up or they weren't sure what I was asking of them. Each letter I sent does have tracking information as well that they did receive it.

Equifax has added and removed these over and over from what i can tell in my credit monitoring updates.

Attached is the accounts in question. Equifax has not sent me an updated report so I will upload experians. Looking at my credit monitoring it shows the same pattern and dates.
Equifax refuse to remove accounts from credit files that I have provided supporting documentation regarding ID Theft ; XXXX XXXX and XXXX XXXX were account opening in result of identity theft they are not mine and do not belong to me ; in addition to those accounts they refuse to removed child support case ; its invalidly reporting the date, reference number and status is invalid do does not consities as an debt. pursuant to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). 

Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompressed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). XXXX v XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX   ) XXXX XXXX XXXX XXXX. 

Fair Debt Collection Practices Act claim of a man owing XXXX in child support must fail, where obligation were not incurred as " consumer '' and dud bit arise out of " transaction '' in which he obtained credit to pay for personal goods or services ; obligation to fulfill his parental duties does not constitute " debt '' within meaning of 15 USCS 1692a ( 5 ). XXXX V Child Support Servc, ( XXXX, XXXX XXXX  ) XXXX XXXX XXXX XXXX, cost/ fees proceeding, magistrate 's recommendation ( XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. 

Ex-husband 's child support obligation is not " debt '' under Fair Debt Collection Practices Act ( 15 USCS 1692-1692o ), where purpose of support obligation is to secure to children ongoing support owed by income producing parent, not secure to that parent additional moneys for use for his own purposes, because ex-husband did not receive " money, property, insurance, or services '' from transaction primarily for personal, family, or household purpose. XXXX v Child Support Advocated ( XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX. 

Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector '' with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not " debt '' under 1692a ( 5 ), XXXX v XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX, XXXX XXXX  ) XXXX US Dist XXXX XXXX, affd ( XXXX, XXXX XXXX  ) XXXX US App XXXX  XXXX. 

If you do not remove this item from my credit report within 15 days, I will not hesitate to file charges against you in the State and or Federal Court with competent jurisdiction. You can not claim ignorance of the facts and I demand that you remove this item immediately.
THE LISTED ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE ACCOUNTS NOW.
In 2012 there was a Macys card opened under my name which I never authorized. I had been asking Macys to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under my credit.
They keep calling my Home phone #, my Cell Phone, my wife 's Cell phone continuously for two days now. They are looking for someone who has the same last name as me. I 've told them I do n't know them and they just keep calling & harassing my family. They are using the name of Evergreen Acquisitions, their # 's are XXXX, XXXX XXXX, XXXX XXXX It shows up as XXXX. XXXX on my caller ID.
Attached full email conversation. 

I applied for the mortgage on XXXX for my first ever house. I was still shopping for the mortgage and comparing interest rates with several lenders. I never showed any sign to finalize my home loan with better mortgage. At this time property inspection was still pending. 

Better mortgage went ahead and without my content ( even without informing me or my real estate agent ), communicated to seller, booked an appointment and did the appraisal process on XXXX. I was never informed about this. I never paid for or asked for any appraisal service. It seems like better mortgage directly contacted the seller and booked the appointment for appraisal. The seller is an old lady, she though better mortgage company went for appraisal because I asked them to do so. Now both the seller and listing agent is mad at me and the purchase dealing is at risk. 

In the loan estimates provided by XXXX, they have printed {$500.00} for the appraisal service, to be paid. But I never signed the consent for that, never I ordered for appraisal. 

I came to know about entire scenario from the seller of the house. XXXX never informed me about it.
i was financed by santander consumer usa. i made XXXX payments, most of it was XXXX per month, there is a lot of costly issues with my car, i asked them to pay XXXX a month since my issues needs to be fix, they would call me all times of the day, sundays and on holidays, sometimes i get angry, because i am paying my loan, now it is intress added to intress, now they want me to pay XXXX a month, or get reposess, can i get some sort of help, the car is worth around XXXX dollars, used the price i payed so far, for them to reposess my car for,XXXX XXXX dollars, is pure bullie in, can i get some help please, i rather give back the car so not to have repo on my credit. Thank you.
I was divorced and the court made me sign a quit claim deed for the house over to my ex-wife. The VA loan on the house was in both our names. MY wife did not pay the house payments for over 2 years. Foreclosure papers we sent but my ex-wife kept them from foreclosing somehow. She moved out of the house. The bank again sent foreclosure papers. I contacted Wells Fargo to see how I could refinance the VA loan on the house to stop the foreclosure. I was informed by XXXX XXXX ( the sole holder of all the mortage information from Wells Fargo ) that a cease and desist order was placed on the account ( XXXX ) and he could not discuss my loan with me until that was removed. I ask what I could do to remove it. He said send me a letter asking for it to be removed. I faxed it over more than once. After sending this request I was unable to reach XXXX even after multiple phone calls ( leaving messages after each one to call me back ). The fax asked him to call me back. No response. I then tried to talk to anyone at Wells Fargo mortgage department as time was getting very low. Nobody could talk to me as XXXX was the only one I could talk to as the account was assigned to him solely. Eventually the house went to foreclosure and was sold for less than what was owed. I am a XXXX veteran ( XXXX ) I deserved to be able to try to refinance this house. Now I owe more than I can repay. Is this legal? What can I do about this? Thnak you. XXXX XXXX
Chase bank has charged me {$740.00} dollars in overdraft fees this year alone. After complaining and threatening to close my account, they refunded me XXXX of these overdraft fees. In total, they have taken {$570.00} in the last year alone. Due to their predatory ways, I closed my account with them on XXXX/XXXX/2015 by sending them a message to close the account ( as is allowed per their website ). However, they never did close my account and allowed several other transactions to post. Yesterday, XXXX XXXX, 2015 XXXX transactions posted, totaling {$48.00}. In order to avoid the overdraft fees, I deposited a check from the bank I am currently using into my account on the same day. However, as they do, they still charged me XXXX {$34.00} fees. Now I owe them {$64.00} in overdraft fees for {$48.00} transactions. I have contacted them asking them to refund the fees, but they will not. Nor will they close my account. The fees are not valid because first of all, my account should have been closed, and second of all, I deposited funds into the account on the same business day to prevent the overdraft.
Good afternoon, I am making a dispute against Regions bank, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from Regions to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
My name is XXXX XXXX. I've been out of the country since last year because I flew out where I had XXXX on my left back left back. In XXXX I was struck by an automobile while walking across the street. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

Before I left I had issues with my BOA account due to fraudulent activity. The particular account was one of the funding sources of my automatic payments with - Capitol One. 

I forgot to get the account switched so I called and got that changed in XXXX. I told the Capitol One Agent to change the old account and gave a reason. I also started to use my other funding source ( XXXX ) as the new funding source going forward and go ahead and charge my minimum on the phone with us today and also set up automatic billing. 

All was agreed upon. 

So I traveled to XXXX for XXXX then to XXXX where I did my rehab, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - Capital one has already charged of one of my accounts in : XX/XX/XXXX. 

I see whats going on and made a complaint to Capital One on ( XX/XX/XXXX ), in regards to the matter. I was advised that both accounts will be reviewed and not to make any payments to accounts are reviewed. 

Fast forward to today - XX/XX/XXXX - I called capital One in regards to an update from past convo on ( XX/XX/XXXX ) and instead was told not that my other account has been charged off. 

Are you serious? You said I shouldn't do anything and wait for a call ... .. 


I have never had an issue with Capital One until last year when I left all the way up to now. Prior I had no issues with them and my accounts were current and paid. 

Capital One made a mistake and has made me the consumer pay dearly. They have charged off both my accounts, falsely - when the fault was their agenda not mine. 

They have cost me almost XXXX points off my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE. 

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by Capital One and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life. 

Please help me get all those false missed payments and charged off the account of my credit. 

Already beginning to consult lawyers about possible legal action against Capital One in regards to the issue.
I am writing because my Mortgage Servicer Ocwen reported a discharged amount to he IRS in the amount of {$22000.00}. They did not suffer a loss for this amount nor was my principal balance reduced by this amount after I completed a HAMP Loan modification in XX/XX/XXXX. I called Ocwen on XXXX/XXXX/XXXX and after spending 30 minutes on the phone the representative was unable to tell me why this amount was submitted and also confirmed that this amount does not reflect in my mortgage history. This is a huge error on their end and I can not file my federal income tax until it is resolved, otherwise the IRS will be looking to tax me on this amount as earned income which it obviously is not. I understand that during the course of the next 5 yrs there will be deferred interest and a principal reduction, however a loss can not be written off in advance prior to it happening. So Ocwen needs to either reduce my principal balance by {$22000.00} OR amend the XXXX and provide detailed information that reflects any loss they are reporting.
I was denied a loan due to an erroneous collection on my credit report. My bank informed me of this collection on my credit report from ERC from XXXX XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a loan. I want this taken care! 
I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!
I have been working with US Bank to bring my account current. I applied for HAMP but was given a Formal Forbearnce which I could not afford. I made the first payment and could not make the second payment. The bank rep in error accepted my regular monthly payment and did not advise me of the consquences. I have appealed and was told in writing to reapply. I did so on the XXXX of this month with the paperwork they sent me and faxed in to the number, Yesterday I called to see what type of payment I should make and was told my application was not accepted because the former file was not closed out. When I told XXXX XXXX I was following the instructions of the letter dated XXXX/XXXX/16 from US Bank she was uncooperative and accused me of being rude which I was not when I stated I was following the instructions given to me in the letter
This is an ongoing issue with my Lowes consumer credit card. Due to numerous bugs, their system is spotty and oftentimes does n't recognize my username, but at other times it does. As a result, I was consistently getting flagged as " being late ''. To Lowes 's credit, they did refund me all my late payments except for my last one. Their reason for refusal is their claim that they ca n't process multiple late fee reversals. In addition, my previous payment on XX/XX/XXXX was well over the payment minimum ( {$100.00} vs {$35.00} ), which should have covered this month anyway. Their website actually has more than one location where payment can be made, but only one is the correct one, making it needlessly confusing. Once on the page, the system is incorrectly telling me that my usernames of " XXXX '' and " XXXX '' is invalid. I even tried several others, to no avail, even though it had previously worked. To make my final payment, I had to call into their automated phone system, which again was spotty, and unable to take my routing number as I typed it in, forcing me to waste over 15 minutes just to make my payment.
This item " Derogatory Trade '' for Ditech reported XX/XX/2015 is STILL inaccurate. I was reported to the credit bureau for 30 days late for XX/XX/XXXX and XXXX 2015. My payments were made on time however, Green Tree was not honoring my loan modification from my previous lender which is a violation of the FCRA. GreenTree then tried to raise my interest rate and throw in old escrow charges that ultimately made my payment increase, although with a loan modification this is a violation. I continued to make my payments according to my loan modification. XX/XX/2015, after I was threatened by Green Tree they would be foreclosing on my house due to late payments, I sought assistance from XXXX XXXX XXXX to assist me with the issue as Green Tree. Green Tree finally honored my loan modification but REPORTED me to all credit bureaus as late and has now ruined my credit to purchase a new home. Green Tree will not remove the late reporting even though they have proof I paid my mortgage. I was paying according to the loan modification, not their terms. I cant get a hold of anyone to help me, nor can I afford an attorney. Green Tree has several of these same issues against them and we all experiencing credit issues. This is fraud, misrepresentation and a violation of the FCRA.
I have had my accounts with Chase for years. I got a letter stating they decided to close my account and I called which at that time was told they did not have to disclose why and I requested to speak to a manager and was told nobody had to disclose why they decided to terminate our relationship. I was then put on hold for a hour which at that point I hung up the phone. I even have my auto loan with them. I am a great customer and feel like there is no reason my account should be closed with no explanation.
My account ending in XXXX had fraud on it and I filed this complaint last time and a person from the bank names XXXX got back, but she never did anything about it and she dropped contact. I tried calling and reaching her numerous times and even sent the information to her that she requested but she just disappeared.
I deposited a XXXX XXXX XXXX check into my Bank of the West checking account on XXXX XXXX. I deposited the check so my Bank of the West mortgage would be paid on XXXX XXXX. The funds were in XXXX XXXX XXXX, but because this was a mobile deposit made with an XXXX, Bank of the West did not credit the deposit until XXXX XXXX. I did not learn of the delay until XXXX XXXX, and never even considered the possibility of such a long delay because all previous delays for mobile deposits had been around 3 days. So, my mortgage payment was late and Bank of the West charged me a {$35.00} " insufficient funds '' fee. When I called to complain Bank of the West reversed the {$35.00} fee, but the late payment to my mortgage is still recorded. Bank of the West told me that with mobile deposits they have the right to delay the funds for up to 10 days. That time period is wildly unreasonable. The longest lawful delay I could find for deposit times listed on the Federal Reserve website was 5 days. A ten day delay is outrageous, it is a loophole in the law and the CFPB really needs to work to see that this scam is outlawed. Please! My primary bank is XXXX XXXX XXXX and I only use the Bank of the West account for my mortgage payment. I believe Bank of the West is trying to push me into using more of their services, such as overdraft protection, by delaying as long as possible my funds transfers from XXXX XXXX XXXX.
Hewitt Capital is repeatedly calling my work despite being told I can not take personal phone calls and is a detriment to my job. This is the second time they have called me despite being told this. Just days ago I filed a complaint because this company is sharing my private and legal information with my fellow employees AFTER being told I can not take these calls at work.

These shady business practices are not only unethical but illegal and I will not put my job in jeopardy just to talk with them at work.