WillisBack/dataset-financial-user-claim huggingface dataset:
I have been the victim of Identity Theft twice in the past two years. I am an emeritus professor of economics, semi-retired, currently living ( temporarily ) in XXXX, but with close ties and citizenship in the United States. 

My credit record has always been flawless and I have never missed a payment on anything! However, my FICO score today is only XXXX. It had always been very high before this sudden string of identity theft incidents, all occurring within the United States.. 

I reported the problem to XXXX, and after two months of continuous communication, they sent me very positive results. However, they left the addresses and some traces of the fraudulent actions in my record. It also appears that they have not reported this problem to other agencies, as I believe they are supposed to do. Perhaps that is the reason why my FICO score remains so low today. 

I appreciate any help you may offer. Thank you in advance. 

Sincerely, XXXX XXXX
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX XXXX n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked XXXX Texas Debt Collections XXXX website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas XXXX XXXX XXXX XXXX which prohibits a XXXX-part or credit bureau from engaging in debt collection in Texas unless the XXXX XXXX debt collector has obtain a XXXX bond and file a copy of the bond with the Office XXXX. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.
I needed to change my last name and get my Deed of Trust updated. I have called this company many times and spent hours on the phone, as well as faxing and emailing supervisors from their website as well as from my email. I have sent in the same information many times. The people they have in their call centers have no idea what they are doing. Typically the wait is over XXXX minutes and you get transferred many times and hung up on. Today I received a letter stating that they received my death certificate and they send their condolences. I assure you I am not dead. I am very frustrated that I can not get this issue resolved and it has been many weeks of frustration. I need to have my deed of trust updated so that I may update my grant deed and titles for my property and property rights.
Dear Sir/Madam : PERFECTION COLLECTION has placed a debt in my credit report with XXXX. I know nothing of this debt and called them to state the same. They would not explain, but said it was from an old debt to " XXXX  '' and refused to remove it from my credit report. I owe no money to XXXX  and have not seen any evidence from this collector that I do. 

I then diputed the debt with XXXX  twice and they have refused to remove the entry from my credit report. This is identity theft, and I want to know how this collector got my ssn. Did they get my ssn from the XXXX  data breach? Neither the collector nor XXXX  is willing to explain this and remove this entry. Please help. 

Sincerely, XXXX XXXX
Debt was paid in full. At XXXX point the pmts became deliquent all pmts from then on were paid in full in XX/XX/2011 per the the contract. American Finacial of XXXX DE placed a derogatory remark on my credit report stating the debt was charged off. It does show a XXXX balance
I have send TransUnion a total of three letters regarding inquiries that they are reporting on my credit report. the last letter I sent with tracking number XXXX XXXX XXXX XXXX XXXX they are reporting not yet proven compliant information. Trans Union has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFYLLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead Trans Union ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.
To Whom It May Concern I am getting jerked around by Sun West Mortage Company. 

What happened is when I first set up my automatic payment I wanted to make a {$1000.00} dollar payment each month. It would cover the payment and anything else was to go to principal. 
Sun West Mortgage Company decided to raise my monthly payment from {$890.00} to {$930.00} That was no problem since I was paying a XXXX dollars per month or so I thought. Turns out they added the {$100.00} the {$930.00} equaled {$1000.00}. It was {$39.00} more than I requested to be taken out. 
Subsequently, I did not have the extra {$39.00} but I did have over {$1000.00} dollars in the account. They said I had insufficient funds so they docked me {$15.00}. I know it does not sound like much but they threatened me with a bad credit score if I did not pay up immediately. I tried to call them over a half dozen times and one day in particular I was disconnected three times and that really chapped my hide. 
Sincerest regards XXXX
This company XXXX XXXX was sold to XXXX XXXX ( a debt collection company ) and both companies are trying to collect on the debt hurting my score.
Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called XXXX credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XX/XX/XXXX report. ( Bankruptcy dischargedXX/XX/XXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on creditreports ; and as evidenced, it had not shown up on the XX/XX/XXXX report.
At first the response from the CSRwas a type of circular and dismissive explaination, which led
nowhere. when I questioned what they were saying, they finally stated directly that I was lying.
A similar conversation ensued with Experian, as there appeares to be the same clear mistake on their report as well.
Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner.
I have to say that XXXX is the most professional to speak with of the three, but I am uncertain of 
their documentation.
Please note the following : Reposseison of vehicle XX/XX/XXXX.
Filed bankruptcy XX/XX/XXXX.
Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy.
Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues.
I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time.
Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. XXXX.
XXXX XXXX, XXXX is reporting on my XXXX, XXXX  , & XXXX  credit reports that I owe them {$1400.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?
Amount due is zero. Rental apartment lease was ended legally per Texas Property Code XXXX. I moved out of the apartment while still paying rent so new occupant selected by apartments could move in. Advised collection agency, ProCollect : 1 ) lease was ended legally, and 2 ) this is an attempt to collect double rent for the same apartment, which is also illegal in Texas. They refuse to remove the information from my credit bureau reports, which almost made me a homeless XXXX veteran and now prevents me from relocating to most other rentals.
We were working with Chase to refinance, combining our XXXX and XXXX and take out some cash. We knew we could do this and stay under 80 % LTV. When we filled out the paperwork, the numbers were filled in to reflect our XXXX and XXXX but not the cash out. We were told that we could adjust that number once the appraisal came in. However, the appraisal only came in at {$4000.00} more than what we had to have for the XXXX and XXXX with little room for cash out. Oddly though, our appraisal was also {$20000.00} less than what homes were selling for in our neighborhood - right next door. We brought many glaring mistakes in our appraisal to our loan originators attention and requested a second appraisal. We were denied. We brought it to our loan originator 's superior and were denied. We called Chase XXXX number and brought it to their attention and were denied. Our concerns include the fact that the woman that showed up was not the appraiser, but a subcontractor. I did not learn this until she was leaving and have no proof other than a picture of her truck in my driveway. Assuming she was the appraiser I expected specific builder upgrades to be noticed - walk-in closets, whole house fan, pantry, wiring for hot tub, wiring for swimming pool, and skylights. However, there is no mention of these upgrades in our appraisal and no pictures were taken of these things. So, the appraiser refuses to acknowledge them. The square footage in the appraisal is also incorrect and we were not given the opportunity to provide proof of correct square footage. In addition, our home was compared to other homes that were not in fact comparable. We have a three bedroom, XXXX, two-story. We were compared to ranches with 2/3 the square footage, fewer bedrooms and fewer bathrooms, and one home that was not only smaller with fewer bedrooms and bathrooms but was also XXXX years older than ours ( our home is only 17 years old ). There were XXXX homes sold in our area within the previous year and only XXXX of our comparisons were truly comparable. We pointed out XXXX homes that had sold in that period that were more comparable, but they ignored us. Finally, even with the comparables used and the price adjustments made, our home was valued {$7600.00} below the average of the comparable adjustments - and yet even the appraiser acknowledges that our home " has been well maintained. The subject 's design and floor plan is well accepted in the market and does not suffer from physical, functional, or external inadequacies. The subject has been updated ... '' All of this, plus our inability to get Chase to work with us, or on our behalf, leads us to question whether our loan and appraisal may have been price fixed. While we do not have any interest in working with Chase at this point, and would like to get our {$500.00} Good Faith Funds fee returned, our main goal is to ensure that if there was any misconduct on anyone 's part ( Chase, appraiser, etc. ) that they are held accountable.
I received a letter in XX/XX/XXXX from XXXX XXXX XXXX XXXX about two of my federal loans being in Defualt. When I contacted them, I stated there must be a mistake because I had all federal loans in forbearance. The person I was talking to gave me an address to send my dispute to and placed the collection in dispute status.

Several months later on XX/XX/XXXX, I received a letter from my payroll department about a garnishment. I immediately on the next day and multiple days later, spent hours on the phone trying to figure out it went into default. After spending a total of 21 hours on the phone and doing a lot of research, I found some interesting things : Originally, XXXX XXXX  had the loan, then it switched to Navient.XX/XX/XXXX, I received a phone call from Navient about two federal loans that were close to default, apparently they didn't do another forbearance because it went from 244 days past to only 215 days past. I just found this out yesterday. In XX/XX/XXXX, they transferred the loan to XXXX XXXX XXXX XXXX, in which they contracted XXXX XXXX XXXX XXXX   to collect.

Until I am able to figure out how and why the two loans went into default, I wanted to reduce the 15 % wage garnishment to something I am able to afford. XXXX had told me that they couldn't do anything unless the guarantor ( XXXX XXXX XXXX XXXX ) contacts them to modify the garnishment.

The problem is that trying to contact XXXX XXXX XXXX XXXX is like chasing a ghost. All calls end up being redirected back to Navient.

Now, Navient says they are on behalf of XXXX XXXX XXXX XXXX, but they can't change or modify the garnishment because XXXX XXXX XXXX XXXX is the guarantor.

Now what is really interesting is that when you search for XXXX XXXX XXXX XXXX, it comes up with XXXX XXXX. I then found out that XXXX XXXX took over loans from XXXX XXXX XXXX XXXX. When I contacted them, they told me that they had my two federal loans for a short period of time but returned it back to Navient. I also found out that XXXX XXXX XXXX XXXX  changed their name to XXXX XXXX XXXX in XX/XX/XXXX and no longer has a role in student loans.

When I contacted XXXX XXXX XXXX XXXX  and had a recorded conversation, I let them know that there is no company as " XXXX XXXX XXXX XXXX '' and the garnishment should be nulled immediately until the correct guarantor is listed on the wage garnishment. They told me that they do exist and they are going off what is listed on the contract. I let them know that XXXX does not exist and no one can seem to reach anyone from XXXX   and their contract is illegal and should be terminated immediately. They declined
I have had difficulties with the Bank of America claims department regarding two charges to my account from XXXX as follows : XX/XX/XXXX - {$91.00} XX/XX/XXXX - {$91.00} After initially disputing these charges, these were credited to my account on XX/XX/XXXX and XX/XX/XXXX. However, one of the {$91.00} charges was reversed back to my account on XX/XX/XXXX. 

I believe there was confusion on their part and they thought the two credits on XX/XX/XXXX and XX/XX/XXXX were duplicates. They were not - they were both credits to the two disputed charges of the same amount. 

I have spent considerable time both on the B of A website and on the phone trying to explain to them why this should not be a valid charge. After several months and numerous attempts, I have given up and canceled the card.
Ability recovery calls everyday, and normally I would be able to put up with this. The fact that the average call times are eight tries in a one minute time-frame. XXXX  XXXX XXXX automatically blocks them now. This has been happening since XX/XX/2018. They never leave any type of a message either.
I currently have two American Express points Credit card. I have earned close to XXXX points. I was trying to redeem the points, I get an error stating that my account is on hold and I am not able to use the points. Upon speaking to several customer representatives, I was told there was a hold on spending the points for a few months without giving a clear reason for the same. No representative has an idea of why it is happening this way.
They are asking me to pay money of XXXX dollars to get confirmation number and then open a dispute. 
When I try to call them they direct me to different departments, order, care and complaint. This has been happening for the past 1 year. 
If I try open an online dispute, they say they can not currently process it but ask me to call them and again the same process.
My credit card payments remains same as I make payments every month for more than 17 months and I do not use the card I pay above minimum monthly payments since the day I received this card they keep on charging me fees every month even though I pay every month
I have tried at least 3 times to get a HARP refinance with lender. Each time they allege they have not received my paperwork. I have faxed, mailed and even scan and uploaded the documents. I believe this is a tactic this company uses to keep these predatory loan. in almost 10 years I have not even paid off {$5000.00} in the principal amount. All I am paying is interest. I need to get a re-structured loan as my income has declined due to health reason.
I bought a bed ( mattress & box spring & mattress pad protector included ) from XXXX JC Pennys last Wednesday the XXXX of XXXX 2017. I spent about {$500.00} for it but however I have yet to receive it. I keep getting the " runaround '' from JC 's. 
First they told me I would receive it on the XXXX? then again the next day the store told me i 'll get it. I am fed up with it all.
I was a guarantor on my daughters XXXX XXXX account. It was a subsidiary account of mine. My daughter took over financial responsibility for the account in XX/XX/2016. For whatever reason, she did not pay the past bill before the account was switched over to her under a new account. 
I was NEVER informed by XXXX that a payment was missed and a balance was due. There explanation is that we had the bills set up to go to her. She paid them for years. The issue is that they never notified me before turning over to collections ... even though they have my contact info and my phone number. Even the the collection agency called me ... and I paid it immediately. But XXXX has the 'sent to collections ' on my credit report and wo n't take it off. I believe the should have notified me, as the guarantor, before sending to collections. I want them to remove the 'sent to collections ' from my credit report. Which they could do, but wo n't. Their procedures are flawed and I should not have a bad credit report because of their procedures. I desire the right to be contacted before a bill is sent to collections. 
Please ask them to remove the collections information from my credit report!
Since the end of XXXX I have been getting harrassing phone calls from collections agencies.Needless to say I have an account that seems to be with three different credit collection agencies. YES!!! I tried calling the original debtor to resolve the matter. They had deemed it a write off. So a five year old debt is with 3 different collection agencies and all three appear on my credit report and I can not seem to get it off. 

However this one company started calling me and leaving messages stating they worked for the courts and were coming to arrest me. What they didn't know is I am of low level law enforcement and told them to stop calling me or I would take legal action. This strategy stopped and then they called introducing themselves correctly but they would call me at my work and on my cellphone three to four times a day. This one particular day in XX/XX/XXXX I received a call at my work where the woman stated she had an important call for me and with my permission she would transfer the call. I accepted the call, a woman came on the phone stating she was attempting to collect a debt. I asked what company she was with and after receiving the name of one of the collection agencies I told her to stop calling me. She hung up the phone abruptly and then my cellphone started ringing immediately after that, I picked up and the same woman from the same collection agency that I just told to stop calling me was on the my cellphone!! She stated " Can I call you on this phone number? '' and immediately hung up. 
I was furious, the nerve. So I sign up with a credit repair company and had them send cease desist letters to all these collection agencies. All but one stopped calling me and its the same rude agency that keeps calling me. Even thou they call once a week they still call use different phone numbers. After realizing the cease and desist letters were not working I decided after I received a call at my job again to ask for a supervisor. I was hung up on five times. When I did reach a supervisor He told me they would NOT stop calling me. He confirmed they received my letter but would not stop calling me.
Chase Bank Slate Card : Handling of dispute between myself and an automobile repair facitlity was grossly mis-handled and after being assured that it would be investigated and I contacted if anything updated, the disputed {$150.00} charge was put back onto my card on XXXX/XXXX/16 without so much as a message to that effect.
LexisNexis sold my personal information to XXXX XXXX, without my permission or knowledge. I received unsolicited credit offers from XXXX XXXX, in the mailer that was sent they indicated that my information was received from LexisNexis I filed complaints against both companies with the XXXX XXXX XXXX. I received confirmation from XXXX XXXX that my information was put on their do not solicit list. I also received a form letter from LexisNexis indicating that my records were removed from publicly facing records products they did not indicate if my information would be removed from additional unsolicited offers. LexisNexis also has 3 levels of opt-out they did not indicate which level I am enrolled in. I have tried to resolve this through the XXXX and their call center, but have not had luck. In addition they print false and misleading phone numbers indicating that there is a LexisNexis Privacy Hotline XXXX which does not exist and sends consumers directly to their call center with no help whatsoever. I ask that the government invest the business practices and data practices of LexisNexis.
XXXX transfered my service after I finally got a fee removed that was waived in XXXX. It took nearly two years of arguing back and forth. Now Seterus has my loan staring XX/XX/XXXX. Once again they are not only recharging same fee but added house preservation fees. XXXX fees XXXX for XXXX and ond for XXXX. They have me as asking for modification which I did not. I have no access to my loan. They have hung up on me serveral times. XX/XX/XXXX I called and the automated line said it was temporarily closed? They say they removed my request for mod? I never said I was in a hardship. And my modification incentives are not found. All fees are for sMe date XX/XX/XXXX. I had a previos complaint with XXXX on tnis site for same issue. This fee is on my loan tax form as waived. I contacted XXXX and they said it should not be ghis fee was waived on there records when loan was transfered. Three years of ongoing problems. I think there trying to push me out of my modification.
I never got all the bills when i did i paid has fast has i could. i paid the bill in full the collection bureau services inc. XXXX XXXX . claims i did not pay fast enough so they claim i have to pay over 1.000.00 in interest fees on a XXXX doctors bill. I filed a dispute no one paid attention I even offer to pay good will payment till we got it cleared up they just took all my money out of my bank account left me whit o taking all my food money gas money and my house payment they are not to take every cent from someone fair dept collection practice act 808. c15 usc 169zf or 2f thank you i will call them monday and ask for my money back so i have some food thank you.