WillisBack/dataset-financial-user-claim huggingface dataset:
Dear XXXX Representative, The reason for this Fax is to bring to your attention a Fraudulent Account on my credit report originating from XXXX XXXX and XXXX XXXX XXXX ( XXXX ). XXXX and XXXX added a collections account to my credit report on XX/XX/XXXX from a fraudulent account originating at XXXX, a furniture leasing company and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

When I called XXXX they could not find any accounts under my name XXXX XXXX associated with my social security # ending in XXXX. They did have an account under a the last name XXXX with my social security #. I told them that this was not my last name, but they insisted it was me and they said I purchased a 5 piece furniture set in the State of FL onXX/XX/XXXX from XXXX XXXX and XXXX XXXX on XXXX XXXX, XXXX. I asked them for the stores number and they gave me XXXX. I called and it says voice mail not setup. I looked up the number online and it said the store was closed. 

XXXX : XXXX I than received a call from XXXX, XXXX at XXXX and XXXX  XXXX who said he bought the XXXX XXXX and XXXX XXXX XXXX at least 2 yrs ago. XXXX said XXXX XXXXXXXX XXXX XXXX XXXX had closed down over 4 years ago. 

I called XXXX back and asked how a new account could be opened onXX/XX/XXXX if the furniture store closed down 4 years ago. I also asked XXXX how I could have purchased furniture in the State of Florida on XX/XX/XXXX when I live in XXXX XXXX, CA. They proceeded to tell me they could not help me because this account was sent to collections at XXXX XXXX XXXX ( XXXX ) and I should call XXXX. 

I than called XXXX XXXX XXXX ( XXXX ) and proceeded to tell them the same story and they insisted this was my account and said I took delivery of the furniture and I owed them {$3100.00}. I asked them what the delivery address was and she said the furniture was delivered to XXXX XXXX XXXX. I asked her to repeat the address two more times and she stated all three times XXXX XXXX XXXX. I told the XXXX customer service person this was not my address and she started to get very upset. 

I told XXXX this was Identity Theft and this was a fraudulent account because the new account started on XXXX was under a false name, XXXX XXXX, at a store thats been closed for 4 yrs and with a false delivery address. XXXX said I needed to send them a police report and Affidavit of Forgery and my drivers license to dispute the account and then hung up on me when I tried to ask more questions. 

I called the XXXX Sherriff department and Deputy XXXX came and took my statement and issued me a police report stating that Im a victim of Identify Theft Penal code 530.5 ( A ) which is unauthorized use of another person 's personal identifying information. 

Im asking XXXX to remove this fraudulent collections account from my XXXX XXXX and XXXX credit reports because Im a victim of Identity Theft. 

Im including the Police report which is 2 pages and the Notarized Affidavit of Forgery which is also 2 pages with this 2 page cover sheet and my Drivers License and Passport Card. 


Sincerely, XXXX XXXX XXXX
I called and spoke with a representative about a {$460.00} loan that with interest currently is over {$800.00}. I asked if i pay {$500.00} can they forgive the rest. They replied No, they weren't ready to make a settlement offer. The next day they called that afternoon twice. On the second time i asked them not to call again. They responded by they will continue to call because i owe them. All calls should be recorded.
World Finance s old an false account to  XXXX   XXXX   XXXX   XXXX . After to speaking with  XXXX   (   XXXX   XXXX   )  on  XXXX / XXXX /  XXXX   at  XXXX  she said they had this account fro m World Finance w ith a balance {$580.00}. Then I calle d World Finance  in  XXXX  SC that location which I open the account and spoke with  XXXX  on  XXXX / XXXX /   XXXX    at  XXXX , she told me that account was renewed/paid out on  XXXX / XXXX / XXXX  then I reopen anothe r one t he same day. So why di d World Finance s ell this account to  XXXX   XXXX  which they are reporting to   credit bureaus as well?
World Finance will   not let you open another account without paying off/renewing an existing account!!! W.F. also is reporting an account which was after this account to  XXXX   XXXX  to all credit bureaus. I had to pay off/renew this account which they sold to  XXXX   XXXX  before they would even give me another account!!!!   
World Finance is selling false accounts and reporting inaccurate info to credit bureaus!!! This is illegal and I AM GOING TO SUE f  or defamation and financial injury!!!
well this is XXXX XXXX complaining about ocwen so I am very sure you know whats happening. and I want to let you know that ocwen just informed me this evening of an in house offer and this is what they said. we will take your interest rate to 2.0018 from 5 %. a house payment of XXXX a month. ( mind you our payments were XXXX a month when we started asking for help in 2011 ) and a net present value of our home at XXXX, and a market value of XXXX, with a principle balance of XXXX so our home is at present worth XXXX or XXXX and they are collecting XXXX with a very nice balloon payment of approx.XXXX at end of term. another helping homeowners is what we do, good deal from ocwen, right? ok, let me also say they have not even tried to ask our investor, XXXX XXXX for a principle reduction. you would think after all the XXXX they have put my family through they would at least ask .... they have our income at XXXX a month and want us to pay XXXX a month. then we have XXXX a month in child support, a XXXX yr old to support, groceries, electric, and so on ... .. there is something wrong here ....
I sold my house on XX/XX/2014 and paid the money at closing to Bank of America. They went and reported me late to all XXXX credit bureaus thus causing an issue with buying a new home. It still shows up on my new credit report.
I applied for a loan through XXXX XXXX Bank and was given a pre-approval. Quicken Loans underwrites their loans. Once in underwriting, I was asked XXXX times why I was moving from my home with my husband. XXXX, requesting my answer in writing and XXXX by phone, on a recorded line, directly from the underwriter. My answer was consistently the same, that this property would be my primary residence. 
I was told that I could n't use money from my business account because the business was filed on my taxes as a partnership between my husband and I. I proved that I was the sole principal on the business. 
Then I was told that the mortgage would not be approved until I gave them a date of when my old rental property was charged off by the Lender. I got this paperwork too. 
By this time, we were two weeks post my original closing date. The earnest money deposit, inspection, and appraisal had been completed for three weeks, the underwriter then told me without a divorce decree or a legal separation agreement, they would not be able to complete the loan due to this being a " primary residence '' property. This was the first I had heard of these documents being needed. All parties were aware that I was married and no one told me this until I had spent {$1200.00} on the above fees and now no one will address how I can get my money back or what I 'm supposed to do about starting all over and finding a home with {$1200.00} less in my budget. To make matters worse, Quicken Loans sent my lender a denial letter stating that the reason was, there were credit issues, slow pays and delinquencies. This is a lie and had never been addressed during the entire process. This home had equity in it and I want something to be done about my huge loss.
On XXXX, 2013 I went to bank to cash at the drive -through window. The teller informed me my backing account was frozen because suspicious activity. I went inside the bank and talked with a manager. The manager could n't discuss the account because my daughter was n't present at time and account was college join account. I immediately called telephoned my daughter and told her check her account. My daughter notice than her wallet was missing and telephone the day. We checked banking activities later that evening online. Several large checks was deposit in her account which she had no knowledge where the funds came from.The bank never informed before hand of any possible fraud activities prior by email or telephone call until I went to branch to cash a check. My daughter did have a bank deposit slip, ATM and with her pin number written on deposit slip inside her wallet. The next day we went to bank and talk with manager about missing wallet and it contains. The manage over the account, told us all our accounts was frozen and all activities would stop. The bank continued to allow deposit checks, ATM withdraws for another 7 days. My daughter and I went to police department filed fraud and ID Theft complaint in XXXX and XXXX Police Department. We also file an report with Federal Trade commission and Attorneys General office.
A computerize message asking for XXXX XXXX, and I have no clue who this person is, asked to call back due to bad debt and to contact them. Other previous calls mentioned credit report/lawsuits.
I contacted NCC in XX/XX/2015 and advised I did not owe any debt to XXXX, I sent the documents from XXXX confirming I had a XXXX balance with them and I owed nothing to them. This was sent to NCC who advised it would be removed within 30-60 days due to balance paid. I received no letter as well as debt is reporting on yardi rent bureau as well as it is affecting my credit. This company has not resolved this issue in a year which is unacceptable. Now I can not rent a new apartment due to this error by NCC.
i have unathorized credit inquires on all 3 credit report agengencys equifax XXXX and XXXX
Capital One keeps reporting card as a new charge Off every month, making it appear that it just happened and has not, they need to comply with previously filed, and proven identity theft case that was sent in and remove this account as it 's just a ploy to harm consumers who struggle Day to day with life 's misfortune and when companies like them want to blame someone until they 're satisfied they 've further damaged ones reputation to their enjoyment. This is a serious matter that they need to listen for once and do what 's right and stop trying to cause harm to innocent people, everyone 's not bad as most corporations.
To : Wells Fargo Foreclosure XX/XX/2012 REF : XXXX XXXX  : XXXX Wells Fargos attorney : XXXX XXXX XXXX, XXXX Florida XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, Florida XXXX XXXX, Case No. XXXX, WELLSLPS-FHA-XXXX XXXX XXXX. 

After many tries, Wells Fargo denied my Home Loan Modification. My home was foreclosed by Wells Fargo on XX/XX/2012. I consider, we were qualified for Home Loan Modification and we would have stayed with our house. 

We are now seeking compensation for financial losses incurred upon our house foreclosure. 
I want to know, the steps necessary to take legal action against Wells Fargo for the mistake they did, the stress and economic consequences they caused to me and my Family. 

Thank you in advance for your response.
Recently checked my credit report with XXXX XXXX Noticed that chase bank had pulled my credit as a hard inquiry on both XX/XX/XXXX and XX/XX/XXXX. I have never applied or submitted or allowed chase to pull my credit and never have I had an account with Chase Bank. Called chase and they could not find my information but it currently shows on my credi Report.
What happened simplified, Subjects : Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX, My husband and hisdeceased mother ( the victim of Identity Theft ) according to Federal Trade a commission ). 
XX/XX/XXXX my mother in law passed away from that date up until beginning XX/XX/XXXX mymother in law had been receiving regular Social Security Benefit checks directly deposited into heraccount I believe the last XXXX numbers of her account XXXX. my husband and myself also have bankaccounts in Bank of America XXXX My husband confessed to me that he was fearful of the prospect of the FBIfinding out about it, my husband was indited and convicted of defrauding the government of federalfunds among other charges and was sentenced to 3 years in federal prison and without my permissionhe went ahead and took transferred money out of our marital joint account to cover the loss of thestolen Social Security benefits through her unauthorized ATM card. I believe that total was about XXXXdollars. My husband and I are going through a divorce and that money was part of my equalization ofassets a little over XXXX. 
I had alerted first the Federal Trade Commission, got a reference number got all the requirementsrequested a police report number, the detective called me to say basically it 's a waste of time that Iwould have to know all the ATM 's he withdrew those funds from his mothers account. I would need asubpoena to open my mother in laws accounts even though I had a POA. I tgan than called the office ofinspector general sent in my complaint and was time stamped and signed. I called couple days ago andshe sounded pretty confident in referring me to Consumer Financial Protection Bureau and in hoped totry and recover those funds from my bank account. 
Thank you for you time.
To Whom It May Concern. 
In XX/XX/XXXX I had XXXX and was out of work for 2 months. I became late on my mortgage payments and behind on my real estate taxes. I tried to keep up, because I want to keep my home. 
In XXXX XXXX, I had to cash out my retirement in order to become current on my mortgage payments through XXXX XXXX. I do not escrow my Real estate taxes, and was unable to pay them in XXXX, 0r XXXX Though I was saving my money to bring them current as well. 
In XXXX XXXX, when we went to pay the Real Estate Taxes at the XXXX County Treasury Office, we were told that the XXXX-XXXX taxes were paid, as well as started adding Impounds for XXXX. 
At the same time Nationstar Mortgage, has added an additional {$640.00} to my monthly mortgage payment, I have tried to make my original mortgage payments, and they are putting them into a suspense account and not applying to my monthly mortgage payments. 
On XXXX XXXX Nationstar refused to take my mortgage payments anymore. They wanted {$3600.00}, for XXXX, to come current. when I tried to make that payment they wanted {$6300.00}, and now it is at {$8900.00}. 
I do n't understand how they can do this to me. 
I have tried repeatedly to correct this and then they go ahead and add something else that I owe, Inspection fees etc.. I want to keep my home. 

Thank You XXXX XXXX. 
XXXX/XXXX/XXXX
Meade Recovery Services has been sent XXXX requests in written correspondence to the address they themselves provided. XXXX requests for validation of the amount reporting on my credit report of XXXX have been sent via certified mail, both of which they refused to respond to. I have attached XXXX request sent certified mail on XX/XX/XXXX, as well as a cease and desist notice when they failed to respond. In order to validate this " account '' and the balance reported as owed, Meade Recovery Services violated my legal right by failing to provide me any documentation whatsoever, which has been requested in writing twice since XX/XX/XXXX. I provided updated contact information to hopefully help facilitate getting the documentation I needed to be able to know what this account was, and dispute it if appropriate. Meade Recovery Services violated FDCPA regulations by 1 ) failing to provide documents to validate, including date of service or services provided, and 2 ) by continuing to collect or threaten legal action if it 's not resolved without first providing the validation as requested.
I am trying to connect my XXXX account to my TD Bank account and they block me from using XXXX with my bank
They call me and threaten me with service of process and that I need to be present to receive service of process. there is no case in XXXX XXXX filed against me and this is deceptive and fraudulent. They do n't tell me what the debt is for and they never tell me the name of their company or read me the mini miranda.
On XXXX XXXX 2015, I submitted a dispute sheet to Experian with several items of disputes. On XXXX XXXX 2015, I received a letter from Experian claiming that they have determined that my disputes were not sent by me. The disputes have been tagged as " suspicious '' and " fraudulent ''. They furthermore claimed that they will not be initiating any further disputes based upon what they have determined as suspicious correspondence in regards to my initial disputes. The Experian letter disclosed a phone number to discuss the problem with a representative. I called Experian and spoke with a representative. This person echoed the verbiage in the letter that was sent to me and would not remove the red flag, thus denying me investigation of my disputes. The representative insisted that I give the dispute information over the phone. I refused to do so because I want a paper trail of my disputes. Subsequently, before I received the denial letter from the 1st disputes, I sent a 2nd dispute sheet on XXXX XXXX, 2015. According to Experian, any subsequent disputes will be discarded. I am attempting to improve my credit score. Several years ago, I was a victim of ID theft. There was a report filed with the XXXX XXXX Sheriffs. Since then I 've seen items that I 'm not familiar with, therefore I 'm exercising my right to dispute those items that I 'm not familiar with. Please enforce Experian to honor my disputes and investigate.
Equifax is illegally deleting then reinserting fraudulent debt! They reinserted XXXX XXXX XXXX inquiry, they are also listing XXXX XXXX XXXX amount is incorrect, and the delinquencies need to be removed, also XXXX XXXXl all delinquencies and remarks were remove equifax added back all of the account and delinquent remarks without notifying me by mail within 5 days prior to the reinsertion! Equifax has violated the FCRA federal law! I submitted my ID theft affidavit listed the fraudulently accounts and equifax deleted them, but now have reinserted the accounts!
Over the past 4 months I have made several disputes with XXXX XXXX/XXXX/Experian regarding an fraudulent account being reported on my Credit reports. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for {$19000.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from XXXX proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
My personal information ( name, social security, date of birth, etc ) was part of the data breach by Equifax. They have confirmed that my information was affected. I believe that a company that holds such important documentation for many people should be much more secure in their work.
I have had a mortgage loan with JPMorgan Chase since 2008. Over the past two years, " XXXX XXXX XXXX Chase '' has sent me monthly XXXX packages with offers to refinance my loan. Over the past year, I called Chase twice and emailed Chase once to ask them to stop sending me offers. During my last call, they said they would stop. However, I continue to receive monthly UPS packages. Their lack of response has completely turned me off to Chase and led me to report this behavior to you.
WF is 1 ) arbitrarily " converting '' accounts to ones with higher fee requirements ... 2 ) deceptively using online statements to communicate this unexpected account conversion activity not requiring statement review and ... 3 ) failing to disclose and notify account holders of alternative accounts with similar fee requirements of existing accounts in the same statements regarding account " conversion '' ...
A company that does n't exist XXXX XXXX XXXX XXXX debited {$300.00} from my bank account. I filed a claim with Wells Fargo XXXX claim number XXXX ) and they issued me a credit. They said they needed my credit report showing that the supposed debt was not on my report. I emailed them the report which clearly shows I have no debt with this " company '' and on XXXX/XXXX/15 they took the credit back. I want MY money back. I received correspondence from Wells Fargo, and they put another customer 's letter in an envelope addressed to me. This is just an awful experience from a company that obviously does n't care about their customers ' privacy.
I am a Texas resident. My identity was stolen in the XXXX breach. As a Texas resident who has had his identity stolen I am entitled to a free credit freeze. 

Transunion will not honor this and only offers me the option to freeze my credit report if I pay {$10.00}. 

Transunion is trying to profit of US citizen 's pain from the XXXX breach. XXXX!
I purchased the vehicleXX/XX/XXXX financed with American Credit Acceptance. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. American Credit Acceptance was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several times without any response. XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XXXX andXX/XX/XXXXthe loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.
This creditor ABC Financial Services , Inc., are charging late and service fees and did not disclose the same on the contract.
5 private student loans were opened with Citibank in/around XX/XX/XXXX. After going through financial stresses, I filed chapter XXXX BK in XX/XX/XXXX and was discharged in XX/XX/XXXX. Payments were made to Citibank while the loans were in bankruptcy. After BK discharge, Citibank transferred servicing of my loan at some point but never notified me. Citibank never sent me a bill or emailed me to state that my payment was past due at any time. My information was correct in their system, as I had checked the website multiple times throughout the last several years and made sure all contact information was up to date. Citibank is now reporting my loans as charge offs/collections and the servicer does not know which collection company my loans went to. I am paying federal student loans and would have no issue paying these private loans but Citibank never contacted me regarding payment, either by US postal mail or email and just sold and reported to the credit bureaus as charge offs.