WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies
My mortgage company ( m & t bank ) keeps reporting to the credit bureaus that my mortgage is late because they fail to withdraw the money from my account on time. XXXX and XXXX reported late.
Please accept this Requests for Information under XXXX wherein I am requesting documentation relating to the request made to CoreLogic for the payment of Real Property Taxes, to the XXXX XXXX County Tax Office for property the address of XXXX XXXX XXXX XXXX XXXX, NC XXXX  for years ; XX/XX/XXXX, Bill # XXXX in the sum of {$13000.00} on or about XX/XX/XXXX and XX/XX/XXXX, Bill # XXXX  in the sum of {$11000.00} on or about XX/XX/XXXX. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.
For the past year I have been working with a debt management law firm, XXXX XXXX XXXX. They have been negotiating with several lenders including XXXX XXXX. I know they have reached out and spoken with XXXX XXXX yet I am still being harassed by them. Most recently they obtained my former address and have been calling and mailing letters to this address. I know longer live at that address nor was I even living there at the time the loan was taken. I believe this violates my privacy. Also I have been receiving emails. I received 3 within two hours today. These emails claim that Dynamic Recovery Solutions acknowledges my promise to pay them $ XXXX amount of money. I have never talked to Dynamic Recovery. I send all there correspondence to my lawyers. They do not even have my bank account information and if they do then it was illegally obtained because I never gave Dynamic Recovery any of my information. I believe this to be fraud and shady business practices. In their email they are trying to be deceptive in getting me to sign an authorization form because they know they are not acting in good faith.
Santander repossessed my vehicle in 2013 and they are reporting the credit bureaus sometimes the account is open and sometimes is closed. They are reporting derogatory information and it is already passed the three year statue of limitation.
I needed an easier way to get a list of electronic Fund transfers to my bank for my staff. I spoke with Wells Fargo. They presented me with a service that would be {$400.00} to {$700.00} a month. I stated it costs too much for the benefit. The following year I found that wells increased my monthly service charged and I contacted my business service person and he gave me his assistant ... ... months went by and I would have to initiate the conversation every month or so and finally said I was going to get an attorney involved. In the end thye stated I gave them verbal permission on XXXX XXXX ... when I asked for proof because I highly doubted they did not provide ... my business agent said he credited the account but t but I am not sure how much we really lost. I have received multiple credit cards for the account also. I still have in my possession. Another issue is I scan in desposits and I would receive letters months later saying there was an error and they took the money out of my acct to correct. However I have a staff member add it up and I input the bank system accepts only if it adds up so I am not sure how the mistake would take place ... 

I hope this helps others to come forward ... .These issue seemed intentional that is why I am posting.
XX/XX/XXXX Trying to put a Credit Freeze on my moms account with Trans Union. She can not talk. I have Power of Attorney, but that takes time to mail in. I  want to add protection, but they refuse unless its her. I do n't want credit or information, just to place a freeze on her credit.
On XX/XX/XXXX I attempted to use my Chase XXXX, it was declined. I investigated and found out the credit limit was was reduced by XXXX. When I called Chase they stated they sent a letter. I never received the letter. I asked for escalation and was transferred.
Me and my wife deposited a check of $ XXXX it was are tax refund we had it filled through a tax place the bank tells is us at the branch with us XXXX MO that there was a 5 day hold on the check then when that monday roles around me and my wife know we had money in are account my wife went to us her card to find out that the accounts had a - amount of what the check is we call the bank to find out that there found department put a hold on the check for 7 days witch is 2days more then what they said so Tuesday come around and the money is back in are account and the check is stell on hold so I call today to speek with some one to see if the can release the hold on the check becuase know sometime the can if the funds have been tranfered so I call at XXXX and I got a men that said I would have to speek with there froad department we transfard me to a guy that I couldn't understand his English and I ask to speek with someone that could speek plain English and he hung up on me I didn't get his name because for one he didn't say it or I couldn't understand home so I call back at XXXX the same day and they do the same but this time there is a girl that I could Under stand named XXXX didn't tell me her last name and they sayed that if I want to get the founds releases that I would have to talk to the branch I find that a little od so I ask to speek with her manager and she tell me that she can't and well not do so and what do you know hangs up me again I call the branch and guess what they say the froud department has to do it so some one here is lieing and there custmare survice needs to be looked onto these is US BANK the branch I go through is XXXX MO there is only one bank there please do something about this
i have tried contacting origin al Debtor the will not give me any information or work with me on providing any proof that this is my bill
It percieved Experian and other credit reporting agencies have been hacked. Or XXXX XXXX has made an error. 

I dont see My XXXX XXXX credit card, on credit file. Or currently being reported is any history of XXXX  XXXX EVER existing as being reported to credit Bureau. In contrast, the credit Bureaus ALL reported XXXX XXXX as resent as XX/XX/XXXX and since XXXX. But not any more. They lost data and record if its existance. This XXXX XXXX card, is an active credit card. I am including XXXX  XXXX on this complaint too. 

The bank, as credit furnisher has been reporting my XXXX  XXXX credit card to Experian, every month since XXXX. Experian and other agencies have ALL sent me credit files showing the XXXX  XXXX credit card as being reported with their company. Today the file and evidence of ANY history of XXXX  XXXX being reported has been lost, and no lnger on file. The reporting agencies have LOST DATA. They may have been hacked. 

In my resent complaint filed with Credit bureau, complaint # XXXX. Experian responded claiming " the XXXX XXXX is not being reported " and Experian cited " it is up to the bank to report ''. The very nature of the complaint was the fact that XXXX XXXX is reporting the card to Experian, and the card WAS reported on Experian file as resent as XX/XX/XXXX. Someone inside Experian has DELETED the card and evidence of the card being reported, or Experian has been hacked, and lost data. Regardless, the card fell off record with EXPERIAN, and no longer shows. As experian says - their is no existance of the card being reported today, or that the card EVER was reported. But on my credit report attached the card is clearly present. This claim of experian that the card is not being reported by the credit card company has no basis. It is not true, becaues can all see from attach credit reports from Experian showing the XXXX XXXX being reported XX/XX/XXXX. It is commonly ACCEPTED among USA population in general banks like XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX DO report t credit agencies. Why then would Experian in their responce claim they do not? Experian pure and simple - has lost DATA, or been hacked. My concern is Experian and other agencies may have been hacked. If the Experian is going to respond, claiming XXXX XXXX is not reporting the card, it raises the GOOD question, how can that be? When the card has been shing on the Credit file and report since XXXX. The only explanation is Experian has been hacked, and lost the data in a data breach and any Evidence of the XXXX XXXX card being reported. 

I request Experian to resolve how they lost data. And how is it Experian claims the credit card is not being reported when it showes on my credit file right through to XX/XX/XXXX XXXX it now has gone, from experian record - as the Experian responce to the prior complaint # XXXX filed here with CFB shows. 

Where is the data? Data is being reported to Experian as the Experian files shows, Why is it missing for Experian all togeter today, and why is Experian NOT CHECKING back on mail it has sent prir to my house showing the XXXX  XXXX card as present. It is an active card.?
On  XX/XX/XXXX  I received a response from Bayview Loan Servicers in reference to an Earlier complaint that was filed. The complaint was to resolve 3 issues that Bayview FAILS to correct. Is my next step to sue Bayview Loan Servicer for failure to correct my credit report and provide a mortgage modification per the RULES of FHA and the CFPB.
        1. Bayview claims to be Servicing the mortgage from   XXXX   as of  XX/XX/XXXX . The servicing transfer notice was not sent out until XX/XX/XXXX . This is a violation of RESPA.
The Respa disclosure reads a borrower must be notified within 15 days prior to the servicing transfer - NOT 12 days after.
 XXXX 
2. Bayview fails to remove Me ....   XXXX   XXXX   from the loan, even after providing the proof from  XXXX  dated  XX/XX/XXXX . this is a Violation.
 XXXX 
3. Bayview continues to claim the loan was not modified by  XXXX  yet the documentation provided in the Verification of Mortgage on XX/XX/XXXX  from   XXXX   shows different. This is another violation of CFPB rules.
 XXXX 
4. My mothers name is the ONLY name that should be on this loan again provided are the documents from  XXXX .
 XXXX 
5. Also provided in the modification dated  XX/XX/XXXX provided by Bayview that and emails from   XXXX   XXXX   as confirmation that Bayview will credit all the insurance costs, correct the name error, and provide a new modified loan under the HAMP program.
This was not done yet again.
 XXXX 
Bayview continues the foreclosure process, while Bayview has failed to provide correct information on the new modification. How can a mortgage company foreclose on a home if they are failing to correct the loan and modification.
I filed a dispute with Trans-union pertaining the XXXX XXXX # XXXX account on my credit report I informed them that this reporting on my credit report was against the FRCA laws XXXX Since I was never notified of this debt or intent of it going to collections which dissolved me of the right to dispute the amount being claimed or pay any debt. I attempted to contact XXXX to no avail and the one account I had with them I have no access to online at all and I have not received any communications regarding this alleged debt. So Transunion should remove this since XXXX has zero proof of properly contacting me regarding this collections item. All trans-union did was supposedly verify the account and put on my credit report that I dispute it. Which is unlawful to the laws of debt reporting and collecting, I want this removed off of my credit and I want to be contacted by XXXX pertaining to this debt. And when I tried to go to Trans-Union again to resubmit the dispute it wont allow me to
XXXX XXXX Bank Account # XXXX was paid in pull on XX/XX/2018, in the total amount of debt owed which was XXXX. However, it is still being reported by the credit bureau that it is not paid. In addition, XXXX credit bureau is showing the debt has been satisfied. I called XXXX XXXX and they reported that it showed that the amount had been paid in full on the said date. 

However, Equifax is still reporting the debt as owed.
I applied and received a card fro XXXX XXXX via XXXX XXXX. Shortly after using card I lost it and got a replacement. The replacement card didn't have the same account number. Most companies change the check digits, but I received a completely new account number which required a completely different login setup to be established. Then because of the replacement Synchrony never journaled the balance from the original card correctly. Given XXXX XXXX  inability to sync replacement cards with original account and poor customer service I canceled the card and paid off the balance. I never revolved. Synchrony after the fact charged a membership fee. I had the fee reversed. Then a finance charge of {$2.00} appeared on the account for the membership fee that was reversed. The {$2.00} was finally reversed. I thought I was done on XX/XX/XXXX! Now I received a letter that Synchrony sold my original account to XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$370.00}. Synchrony didn't journal over the charges from the 1st card to the replacement card correctly! Their accounting is all wrong! Accounts ending in XXXX and XXXX should be closed with a zero balance! There systems didn't reconcile between the 1st account and replacement account. That's pretty hard to do when you don't maintain the same account number!
XX/XX/

18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  Re : Acct # XXXX  To Whom It May Concern : I AM THE VICTIM OF IDENTITY THEFT This letter is regarding a negative inaccurate account or accounts, which you claim I PURCHASED A CAR FROM YOU?? This is a formal notice that your erroneous claim ( s ) is/are now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?

Please also be aware that any negative mark found on my credit reports including ( XXXX XXXX XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My Contact Info is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Summary : On XX/XX/XXXX, USAA, our bank of 24+ years, suddenly and without any reason given, closed our savings, checking and credit card accounts. It took filing a complaint with CFPB to finally get a reason, which is a case of mistaken identity or possibly stolen identity. Regardless, after dealing for 2-months with USAA to get our bank statements, we discovered that they did not keep our auto-payment for the credit card in effect so now they are charging us finance charges and late fees, which we want removed. 

XX/XX/XXXX. I went to deposit a check and could n't get online. I called USAA 's help line and was informed that our bank accounts and credit cards were closed and that I 'd have no online access to and records, statements, insurance documents, etc. No reason was given for cancelling our accounts after 24 years of being a USAA member. We were told we 'd get the money from our accounts in 30-days, the reason for that long was they would handle all charges, credits, etc. 

Accounts effected : USAA Visa Card USAA Savings Account USAA Checking Account USAA Line of Credit USAA Homeowners Insurance USAA Auto Insurance USAA Life Insurance Policy for XXXX USAA Life Insurance Policy for XXXX It 's important to note that all our billable accounts were set up for automatic payment from our USAA checking and/or savings accounts. This had been the case for at least 10-years. 

XX/XX/XXXX. We finally received our checks, much longer than 30-days that we were told. We received no statements, no invoices, no bills, and no documentation for any of the above accounts, as all were set up for electronic download. But since I could not get online to retrieve, we had no way to balance our accounts and had no idea what may have been paid or what was n't paid. We received no phone calls or messages or email communications during this period. 

XX/XX/XXXX. I contacted USAA to request statements. I had to contact each department separately - banking, Visa card and insurance. They could not email me, only fax or mail. I received some statements but not all so I had to contact them again to send all statements so I could reconcile our accounts. 

XX/XX/XXXX. After finally receiving the hard copy statements, I manually entered in all charges into our accounting software ( XXXX ). Previously, this was all accomplished via downloading transactions. By the time I entered in all the transactions and reconciled our accounts ( 4 days ), I realized that USAA did not pay the credit card via auto-pay. No phone calls, no communication at all from USAA. But what our Visa statement did include was finance charges and late fees for three months. In addition to the Visa card typically being paid via auto-pay, I would also transfer into the checking account money from my business ( reimbursements for expenses and salary ), which was n't possible because I had no online access. We also have more than {$1000.00} worth of XXXX ( from Visa charges ) that could be put towards any balance, but was n't.
The company known as XXXX XXXX XXXX in XXXX XXXX has been harassing us daily with phone calls to pay them what is owed for a medical debt. After sending them a payment of {$100.00} a month for the last year ( I am fully aware that I was past due but was finally financially able to start making payments ) they have been calling me and my wife twice a day but sometimes waiting a day in between to call us but they do attempt both of our phone numbers usually with an hour of each other. Most of the time their allegations are that if we do n't start paying more than {$100.00} we will be force to take legal action and if we do n't get set up on their " minimum automatic withdrawal program '' " we will continue to call you until we get this set up '' even though we have paid them already for that month. As a consumer being " Bullied '' into an automatic withdrawal program when you are already paying someone does not sound to me a like a good or fair business practice. We finally agreed ( forced by legal letter that if we do n't start making the payment of automatic withdrawal of {$180.00} a month we are taking legal action ) to set up an automatic withdrawal. I have requested that since our verbal agreement of payment plan, that they provide me with documentation of our agreement, of which they refuse by stating " It 's not our policy to provide that information! ". This company has been one of the most vicious debt collecting agencies I have ever been forced to work with. They have on multiple occasions brought my wife to tears and have caused my XXXX XXXX to rise because of their unethical treatment of the consumer. I will admit I have had to raise my voice on multiple occasions with them to try and get the m to stop calling on my work provided cell phone which after finally threatening legal action due to the laws set in place by my state that they finally stopped calling my work cell phone. However they continued to call my personal phone during my working hours of which I have asked them to call after XXXX Central time, again no compliance from them. The amount of mental anguish this company has continued to thrust upon us has cause much undo stress on my family and our relationship. Once again I am asking for legal documentation of the agreement we have set up so that I will have evidence that they will take no further action. here are just some of the most recent dates they have called but have n't left a message : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX.
Equifax report shows a hard hit from XXXX telephone services located 750 miles from where I live on Sunday XXXX I have called XXXX in XXXX XXXX Florida multiple times and they will not tell me if someone fraudulently used my info. to obtain services and or goods. I live in XXXX  XXXX Alabama 750 miles from XXXX. They also offer no help in removing the hard inquiry from my credit. Equifax also refuses to remove it even though they admit they do not believe someone who lives XXXX miles from a location would be attempting to get services in that location. Someone is using my info. or they searched the wrong # by error. I do not know which but neither company will help me. XXXX you understand does not offer services anywhere near where I live. And I certainly have made no trips or calls to this company. Please help..
I sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance starting XX/XX/XXXX to XX/XX/XXXX. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods ofXX/XX/XXXX thru XX/XX/XXXX. XXXX XXXX can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.