WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax allowed my personal information to be stolen. Their own website confirmed it. They also waited months before telling people and in that time I 've had fraudulent charges on my debit card AND credit card. This is unacceptable. OHH, and the top 3 executives for Equifax sold their stocks only after finding out that their system had been breached. HOW CONVENIENT!
I've already filed a complaint one time before with the cfpb and the company response was they will send me something in the mail. They didn't. I've sent them certified letters and they still haven't responded. I want this off my credit report because they won't validate the debt.
The below listed company has placed a collection on my credit bureau reports in the amount of XXXX owed supposedly to " XXXX XXXX ''. I do not owe any such debt and I am asking that this company be fined for putting false information on my credit report. 

1. I have lived in Arizona for 6 years and there is no XXXX XXXX company here.

2. I have been the victim of identity theft several times from 2009 to present. I was an XXXX XXXX service member and my social and information was stolen and also hacked into several times. 
3. I'm enclosing the latest police report to show that I continue to be a victim of identity theft.

4. I want this removed from all credit bureaus immediately! 


DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
XXXX 2007, I signed for a {$260000.00} conventional 30yr. Fixed mortgage with WAMU. During the poorly executed take over by Chase my requests for a loan modification were continually lost & I was routinely disconnected after hours on hold & unable to get any knowledge representative to assist me with keeping my home from foreclosure. 

Long story short, House was foreclosed. I fought the entire way and a judge eventually ruled in my favor and Chase finally processed my paperwork and my " making home affordable '' modification happened. Chase figured out a way to get around the judges order of no fees or added costs were to be placed on me. So instead, Chase added on {$58000.00} in Corporate Advance charges. 

Now after paying 10 years on my Mortgage my Payment is {$200.00} higher per month than the loan I agreed to and my payoff is XXXX!!!
Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit  bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be updated.
Started working with Primary Residential Mortgage mlo XXXX XXXX XXXX XXXX. He informed me XX/XX/XXXX by phone we were pre-apprved for our home loan. XXXX did not disclose anything to us. After a few wks i reached out to the CEO to let him know of my frustrations and he kindly responded and had someone reach out to me. I then began working with XXXX XXXX Division President whom later had me to work with a branch manager XXXX XXXX. XXXX has been polite but has given misinformation throughout this process and has now caused me to lose my home with XXXX! XXXX has been very inconsistent and honestly i feel discriminated against due to not having a higher score as he 's used to. XXXX stated no origination fee would be charged then changed the info. Stated my dti was XXXX % then XXXX % some how no explanation. Told my builder he could n't move forward yet told me we were on hold. NO one at Primary has addressed my concerns and now my family is without a house!
I am having a problem with my bank returning funds which were released to the wrong party. I made payments and they were not received by the intended party yet released and not credited back to me when this was brought to the attention of the bank. I furnished all the detail requested of me to the bank. I have yet to have anyone at the bank reach out to let me know what the status of this investigation is. I have e-mailed at least XXXX times, and telephoned repeatedly to only be told this is going to take more time. The first date the bank made a formal notation was XXXX XXXX, 2015. I had been inquiring about my money prior to this and finally the put my case with their dispute dept. After that I was required to provide check # s, copies, and amounts. From XXXX, 2015 until today I have no idea where this case is or what happened to my money or when I will have it returned to me. I could understand some time but I seems that nothing is being done at all. What ever happened to bank security. I really appreciate any help I can get in a resolution to this problem. 
Thank XXXXOscar XXXX
On XXXX/2015 XXXX XXXX XXXX  appeared on my credit report with a balance of {$870.00} I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to 20 inquiries on my credit report. PLEASE HELP ME!!!
I purchased. The item does not work. I want a credit on my account. They will not.
browser crashed when I first entered my info and was trying to view Experian report. I came back in and got my other XXXX reports, but experian would n't let me in and directed me to a form to submit proof of ID, I did that but my first ID copy photo was XXXX, which said it was n't allowed. Then I did a TIF as it instructed but then that was rejected because it was n't black and white. Then I submitted black and white and it said I exceeded my number of tries and must submit by mail. That 's a bunch of XXXX, considering none of those image requirements or number of attempts was NOT posted.
I did a balance transfer with Capitol One. Capitol one completed the transfer on line electronically. The electronic check was made payable to, XXXX XXXX in the amount of XXXX dollars. The electronic check was cashed by, XXXX XXXX. My bill was never paid. Capitol One has the electronic check and sent me a copy. it is clearly payable to XXXX XXXX and endorsed by XXXX XXXX. To add insult to injury Capital One mailed me a letter on XX/XX/2018 stating, after researching your account we found the error may have occurred by your bank. Please contact bank. THEY ARE THE BANK. 
I have been trying to resolve this since XXXX. Capitol One is aware there was an error and my bill never paid. XXXX XXXX sent Capitol One a full refund of XXXX dollars on XX/XX/2018. Check number XXXX. 
Capitol One has not premitted me to speak with any one over the account supervisors. They will not provide me with any physical address so I may write a complaint. I have made about 40 telephone calls in effort to rectify this error. Capitol One refuses to set up XXXXthier a bill dispute, or fraud charge and is requiring me to pay the XXXX I DO NOT OWE ... until the investigation is complete. This investigation has been going on since XXXX. There is no one else I can speak with or write too. I do not know what else to do.
Others frauded my documents 50 states wide and for retailers store 's post data terminals Others frauded scams documents for sinage and building permits business Others frauded my documents as herds of inventory SKU number Others frauded my documents as church groups and pasters and preacher Others frauded my documents as schools and colleges and universities and teaching staff 50 states grocery store products using XXXX XXXX products 50 states dinner menus using XXXX XXXX 50 states semi trucks CDL license and semi truck business permits Frauding scams XXXX and XXXX XXXX and others dictionary companies Fraud scams using singers and bands and actors Frauding scams using attorney and lawyers and judges listings Fraud scams using XXXX XXXX Frauding scams using XXXX XXXX XXXX   permits and vice president Fraud scams using 179 locations of XXXX XXXX reaction and XXXX XXXX Fraud scams using XXXX XXXX   Frauding scams using XXXX XXXX XXXX Frauding scams using XXXX as politican listings Frauding scams using XXXX XXXX in Florida Fraud scams using XXXX XXXX Fraud scams using XXXX as insurance company workers Fraud scams using XXXX XXXX XXXX in Georgia State Frauding scams using XXXX XXXX XXXX XXXX Fraud scams using brand advertising for retailers store 's advertising frauding my documents my family 's serial numbered XXXX XXXX record Fraud scams using XXXX police Fraud scams using XXXX XXXX Fraud scams using building permits using XXXX Fraud scams using racing Frauding scams using my documents Frauding scams using XXXX XXXX   Fraud scams using XXXX XXXX XXXX  Fraud scams using XXXX XXXX in Florida Fraud scams using XXXX products
Title Max of Texas, Inc. d/b/a Title Max, XXXX XXXX, Texas I have paid over XXXX dollars for XXXX loan to there company because XXXX a month was a lot for me just for interest. They have towed my car twice and vandalized and stolen the contents. The contents were all of my Identification to legally enter the XXXX XXXX XXXX XXXX
Company said they did n't recrive a payment for my car they 're fianacing but i have sent them copies of the receipt showing that i submitted the payment.
All three major credit bureaus, XXXX, Equifax, XXXX. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX
Ocwen Loan Servicing and its California attorney XXXX have responded to my consumer complaints with nothing but lies. You Ocwen XXXX want a fight, you got one.
I am passed trying to get a response from Wells Fargo that is accurate. I am reporting this negligent and irresponsible behavior by Wells Fargo in the deceiptful manner in which they serviced our HELOC which began with XXXX. I discovered that my HELOC account statement was nothing like the HELOC account statements for other HELOC. My account statements haven't changed since 2011 and seriously doubt they meet compliance regulations. I've been mistreated and denied the same privileges and services that should be available to all. I can not imagine the fall out, but I expect Wells Fargo to be held accountable. Deception continues by this bank and what an embarrassment to many. Being manipulated by Wells Fargo is not a good feeling and those that police this business and their practices failed. I would hope this warrants your attention.
I 'm filing a complaint against Selene Financial ( SF ) for misapplication of payments, intentionally forcing my loan into foreclosure for the purpose of stripping all positive equity from our family home. As well as SF, has also corrupted our credit score due to misapplication of payment and erroneous reporting based on a falsified transaction history. 
According to SF, my loan is behind for 8 months of payments starting XXXX XXXX, XXXX until present. 
Payments were made as follows : XXXX XXXX, XXXX in the amount of {$1000.00} which covered payments due for XXXX and XXXX. 
XXXX XXXX, XXXX payment was made in the amount of {$510.00}, covering XXXX XXXX XXXX, XXXX payment was made in the amount of {$510.00}, covering the XXXX payment. 
All of these payments were accepted by SF and they have refused to apply properly. 
Exhibit " A '' Proof of payments from XXXX through XXXX of XXXX During the time these payments were made SF, would then illegally file a notice of default against my property on XXXX XXXX, XXXX, while my account should technically have been current. 
This is nothing more than a deceptive act of either total negligence or purposely mishandling my loan and abuse on multiple levels. SF, has violated the fair debt collection practices act ( FDCPA ), Real Estate Settlement Procedures Act ( RESPA ), fair trade commission ( FTC ), and the national mortgage settlement ( NMS ) of 2012. As well as SF, has violated Georgia state law foreclosure procedure based on the fact that my loan should not have been in default since the payments clearly had been made. 
Furthermore, prior to SF placing additional legal costs on our loan they made a demand for payment which totaled 3 months in payments by the end of XXXX to avoid acceleration of my loan to foreclosure. Although these amounts alleged by SF, are incorrect we were simply trying to avoid the threats of foreclosure if we did not pay and hoped the accounting research would yield favorable results. 
This demanded payment was made in the amount of {$1500.00}, which was later returned by SF stating that we owed more money than what had been discussed prior to sending the payment. Rather than satisfying our erroneous account balances, SF rejected our payments and moved us one more step toward foreclosure. We contacted SF, and they told us we needed to pay the amount of {$3300.00}, which we paid on XXXX XXXX, XXXX and it was also returned with a letter stating to stop paying on the account and our loan was referred to attorney office XXXX XXXX, on XXXX XXXX, XXXX. 
Exhibit " B '' Demand letters and statements from SF SF, has destroyed our credit and mortgage payment history, our family is prepared to file a civil lawsuit against SF and our investor if these issues and foreclosure actions are not promptly addressed and halted. We are seeking for our loan to be restored to good standing and for all legal fees and late fees to be eliminated. We desire a full investigation into misapplication of payments, intentionally forcing my loan into foreclosure for the purpose of stripping all positive equity from our family home.
Update : Case No. XXXX A letter I overlooked. On XXXX XXXX, XXXX, I received a letter from Senior Vice President XXXX XXXX XXXX of America 's Servicing Company. Enclosed was a XXXX page document at the very end of about XXXX pages. It is called Net Present Value ( NPV ) input Data Values. When you look at lines XXXX to line XXXX, XXXX XXXX does not even acknowledge that I had a HAMP Modification. Of course we all know that 's not true. In a communication from XXXX XXXX dated XXXX XXXX, XXXX, she and Attorney XXXX XXXX, plotted a scam to relieve me of my incentives. I was accused of missing three ( 3 ) payments. And sick and medicated as I was, I believed it. And of course the attorney watching my back would never lie and/ or cut my throat. XXXX XXXX did the closing on my house. The Deed to my house is missing. On line XXXX, Capitalized UPB Amount. That is the exact Principal Balance around XXXX XXXX. It is the exact time that my XXXX XXXX Mortgage payment was mysteriously cancelled from my personal checking account at XXXX XXXX. On my XXXX XXXX, XXXX ASC Mortgage it was the exact time that a negative $ XXXX disappeared, never to be seen again. On my ASC Mortgage Statements from XX/XX/XXXX-XX/XX/XXXX npayments reversal and unapplied mortgage payments are the norm. I have never missed payments on my mortgage until now, and that 's because I do n't even know where I stand as far as this house is concerned. America 's Servicing destroyed my credit. Took the laughter out of my life. Forced me to isolate myself from shame. I was bullied and harassed by the entire ASC Mortgage Preservation team for over 3 years. Maybe it can stop now. I have more to tell. I need sleep right now.
In XX/XX/XXXX, United Student Aid debt was clearly discharged in a bankruptcy order. So was XXXX XXXX XXXX. This year, XX/XX/XXXXthey took my Federal & State taxes in the amount of {$830.00} AND last year, XX/XX/XXXXfor {$940.00} totaling {$1700.00}.

After getting a recent offset letter, ( XXXX ) last week, I called the XXXX XXXX who directed me to contact United Student Aid/XXXX, who is the creditor ( XXXX ). I was directed to XXXX XXXX, who I was told services the account. ( When I heard " XXXX XXXX '', I had recalled that XXXX XXXX also recently sent me a letter about this same debt ( ACCT # XXXX ), to which I immediately responded " discharged in bankruptcy '' and provided the docket number. XXXX XXXX asked me to forward a copy of the Order via email, which I did on XX/XX/XXXX. Today, XX/XX/XXXX, I called XXXX XXXX to follow up and was advised their systems are now showing a XXXX balance. Agent suggested that I follow up with United Student Aid to see what shows up on their end. I called United Student Aid again. XXXX, who now says their systems are not able to see a current balance as this matter is in Bankruptcy. I was now directed to XXXX, which is what Im told, they Bankruptcy department, named XXXX XXXX. They said they see an " active '' bankruptcy, to which I reminded them was NOT active. It actually is a discharged debt that was wrongfully offset from my taxes. I asked about what happens with my money. I received NO ANSWER. I was told that they have to send this out to another " servicer '' and that can take 30-90 days to find out WHO is going to service this. Meanwhile, United Student Aid took 2 years of my taxes AFTER they were clearly discharged. This year for {$830.00}, and last year for {$940.00}, when they weren't supposed to. Also note, that directly after the stay I was receiving collections notices, to which I quickly responded with " in bankruptcy '' along with the docket number. They clearly ignored same.
On XX/XX/2018 I paid off my existing collection account with Credit Acceptance in the amount of {$190.00}. My account number is XXXX. When I paid this account off in full I was told that all three ( 3 ) of my credit reports would reflect that the account was paid and closed and would do so XX/XX/2018. Well that is not the case because I checked all three ( 3 ) of my reports on XX/XX/2018 and Credit Acceptance reported to XXXX, XXXX and XXXX that I still owed a balance and charged off. I called Credit Acceptance to resolve this and the CSR told me it would be fixed. Credit Acceptance has yet to fix my credit reports with XXXX and XXXX to show this account paid and closed.
I needed to update my credit report because I found several items that are not accurate My name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have included my ID ans SS info for proof of address.
I received a letter from ARA, Inc in the mail on XXXX XXXX which was dated XXXX XXXX. I called them on today XXXX XXXX in which I asked who was the original creditor because the original creditor listed was XXXX Bank in which I never had an account with. So, the gentleman start naming other creditors names such as XXXX and XXXX. I informed that I never had an account with any of those and for him to send me a copy of the original creditor with debt owed. Then he states the orginial debt was active from XXXX and became active again in XX/XX/XXXX.He then proceeds that was an error listed on the letter in which I can not obtain the orginial creditor information and that we are going to sue you and garnish your wages. I also informed him that the last name listed for myself has never been used since XX/XX/XXXX as a child. So, he proceeds to say, we are going to sue, have a good day, and hung up the phone abruptly. Therefore, I dispute the validity of this debt.
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
The following inquires were not made or authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
i have a synchrony bank credit card on XXXX. onXX/XX/2018, i went online to pay my monthly bill as i have done ever since i had this account. i checked the box for minimum payment due of {$38.00}. and found out on tuesday XX/XX/2018, that somehow the website errored and put my payment as total balance due of {$1100.00}. by this error occuring they wiped out my entire checking account. i incurred 5 overdraft fees of {$36.00} each, my car payment was returned, my gas bill was returned, my cable bill and another one. i contacted XXXX immediately and was advised to contact synchrony bank, which i did. i demanded they reverse the {$1100.00} charge immediately and was told " unfortunately due to security reasons " they can't do that. they also told me they refused to pay the overdraft fees unless i had my bank fax them " proof ''. i had to go to my bank and get copies of this and faxed it to them. i was told it would take 5 days to send me a check for the {$1100.00} and they would 'try '' to expedite it. i am on social security and this huge error on their part has left me without funds. and incurring late charges now on the bills that the bank returned for insufficient funds.
During the time of misfortune I managed to get behind on my mortgage from XX/XX/XXXX-XX/XX/XXXX. My loan is with XXXX XXXX XXXX.

I was told by a rep by phone in XX/XX/XXXX that we could get up to 6 months removed for our credit that was reporting 30 days late during this time when or at the time we could cath our loan up to date. 

We managed to this and now they are saying that is nothing they can do and not sure why a rep for them said this and there is nothing they can do. If I knew this it would of helped manage and prepare for this time. We are in the process and selling and maybe buying again and this is holding us back.