WillisBack/dataset-financial-user-claim huggingface dataset:
I tried opening a bank Account back on XXXX XXXX, XXXX with XXXX XXXX. However, when they pulled my consumer report, it showed up that I have had 2 prior bank accounts with XXXX XXXX XXXX from XXXX XXXX XXXX Bank of America within a month or so of one another which these accounts were BOTH OPENED ONLINE FRAUDULENTLY!! 

I contacted both banks, personally, once receiving a letter in the mail regarding a check in the amount of {$6000.00} plus dollars, was attempted to be deposited into the account via the web or app picture submittal on the newly opened bank account. This check came back as a Fradulent check & was returned! 
I HAD ABSOLUTELY NO IDEA UNTIL RECEIVING A NOTICE BY MAIL OF THE ACCOUNT EVEN BEING OPENED!! 
Not even a month or 2 later, they opened another account online with Bank of America. Exact SAME WAY, online. Attempted to deposit EXACTLY THE SAME CHECK VIA THE APP ONCE AGAIN. JUST THREW A NEW BANK ACCOUNT THRY OPENED ONLINE WITH A NEW FINANCIAL INSTITUTE!!

Once again I received a notice by mail of the RETURNED FRADULENT CHECK which was written off a bank account from Over seas!! 

Anyways, I immediately went to each bank, and closed each account, IMMEDIATELY AFTER RECEIVING THESE MAILED COMMUNICATIONS IN BOTH INSTANCES!! 

In both instances, the financial institutions NEVER GAVE ANY MONIES TO THE ACCOUNTS OPENED. IN BOTH CASES. THEREFORE THERE WAS NEVER ANY MONETARY VALUE FOR EITHER INSTANCE. 

SO ONCE VERIFYING MY IDENTITY AND THE FRAUDULENT OBTAINED ACCOUNTS AND EACH INSTITUTION COMPLETED THEIR OWN FRAUDULENT INVESTIGATION. I WAS CLEARED OF ALL WRONG DOINGS IN BOTH CASES. AND TOLD I HAD NOTHING TO WORRY ABOUT!! 

Now, THESE EXACT TWO FRAUDULENTLY OBTAINED ACCOUNTS OPENED IN MY NAME ILLEGALLY ALL THIS TIME AGO. IS CURRENTLY PREVENTING ME FROM OPENING UP ANOTHER PERSONAL BANKING ACCOUNT WITH MY ACTUAL SATISFACTORY FINANCIAL INSTITUTION AT XXXX XXXX!! 

I have faxed and completed EVERYTHING I WAS ASKED TO COMPLETE, via by phone with you all, XXXX XXXX XXXX as well as Bank of America. 

However it is now going on MONTH FOUR AND I HAVE STILL RECEIVED ABSOLUTELY NO RESOLUTION REGARDING THIS INACCURACIES WITHIN MY ACTUAL CONSUMER CREDIT REPORT FROM YOU ALL. 

PLEASE CORRECT THIS INACCURACY IMMEDIATELY. AS I AM FIXING TO PURCHASE MY SECOND HOME AND CAN NOT DO SO UNTIL THIS ISSUE HAS BEEN RESOLVED FINALLY!!! 
ALSO I CAN NOT EVEN OPEN ANOTHER BANK ACCOUNT WITHIN MY BANK UNTIL THIS ISSUE HAS BEEN RESOLVED AS PROMISED FOUR MONTHS AGO NOW!!

I WAS PROMISED RESOLUTION IN A MAXIMUM OF 15-30 DAYS!

YET ITS BEEN FOUR MONTHS TO DATE, AND STILL NO RESOLUTION OR CORRECTION OF MY CONSUMER CREDIT REPORTING AND CURRENT STANDINGS WITH MY CONSUMER REPORT HAS BEEN BROUGHT TO DATE AND CURRENT SHOWING I HAVE A GREAT CREDIT STANDING AND ALWAYS HAVE!!! 

Please correct this immediately.
I received an email how about Friday night XXXX XXXX 2015 the email was from american expres serve in the email it was just plain mean that my account was being closed and the reason why they told me my account was going to be close was because I was in violationin violation of section XXXX XXXX XXXX XXXX XXXX XXXX Bank Account and XXXX XXXX XXXX XXXX credit card, XXXX ( XXXX ) debit card or debit/payroll card issued in your name. We reserve the right, in our sole discretion at any time, to limit or change the number or type of Payment Funding Sources an individual may link to an Account. You may not load funds to your Account from any source that we do not expressly permit in this Agreement. In the event you link or add funds from a Payment Funding Source that is not in compliance with these terms, we reserve the right in our sole discretion to limit, block, or place a hold on certain transactions or transfers and/or close your Account. ) now my account from XXXX XXXX XXXX a week earlier I provided them the statement which indeed prove that I was the owner of the XXXX XXXX XXXX account I will be providing also that statemen that I submitted to them so you guys will be able to see it as wellwhen when I got in contact with american expres sure they really were very rude not listening to what I had to say they just said we 're going to close up your account in the sad andthe funds the funds approximately equal in to almost {$20000.00} in that account I told him that I gave they were going to close my account that I needed the money ASAP they told me no they told me they were going to keep the money and that was thatnow if they do n't want to do business with me I do n't really it does n't really matter to me I just need my money to be distribute out to me as XXXX have bills to I rent to pay I have bills to pay they have been waiting for so long that I could lose a lot by not having those funds so he could please help me out with this I will highly appreciate that and american expres pretty much contradicted yourself because I mean they 're saying that I was in violation of XXXX XXXX I mean I was in no violation because the account is mine so I do not understand why they took that decision
I have federal subsidized and unsubsidized XXXX school loans which were consolidated and are presently serviced by FedLoan Servicing, on behalf of US Dept of Education. I annually recertify my loans under the Public Service Loan Forgiveness program and for Income Based Repayment for partial financial hardship. I am married and have XXXX child ( a daughter ), and my wife and I file our federal and state income tax returns on a separate basis. Based on DOE 's regulatory guidance, the recertification determination under IBR should not need consider the spouse 's financial income or tax information when borrowers are married separate tax filers. However, regardless of this ( which has been orally confirmed by FedLoan representatives ), my most recent recertification application was denied for failure to submit my wife 's income and tax information. The explanation for this as provided by FedLoan was that the form supplied by DOE is defective. I have been advised that I could just say that I " do not have reasonable access to my spouse 's information. '' However this would be a falsehood as we are married, and we reside in the same domicile. This is inequitable and requires a logical, consistent solution.
, In XX/XX/XXXX, I was hit by a car while crossing the street, I had to go to XXXX   Hospital for emergency treatment. Upon release I hired the law firm of XXXX & XXXX to assist me with my case. The law firm handled payments for all of my medical expenses which also included XXXX XXXX. Upon settlement the hospital was issued a payment in the amount of {$6200.00} on XX/XX/XXXX check # XXXX, for payment in full for services rendered, I had received collection letters from Gold Key Credit which is located at XXXX XXXX XXXXXXXX XXXX, XXXX FL XXXX. I contacted them on numerous occasions notifying them that the {$190.00} was paid by my attorney. There file number for this matter is XXXX in the amount of {$190.00}. This agency has a bad reputation for reporting items that do not exist and are notorious for harassing consumers. I contacted XXXX who advised me to contact them again directly, XXXX has since deleted this derogatory information from my credit report. On XX/XX/XXXX I sent the collection manager another letter with the correspondence along with a copy of the check issued by XXXX & XXXX. As in the past I have yet to hear from them, these are services which were paid in XX/XX/XXXX, for an incident which happened in XX/XX/XXXX. We are in XX/XX/XXXX and I am still dealing with this for an invoice already paid, my wife and I are in the process of buying a house through the VA and this derogatory information is an issue. I have also contacted the attorney generals office for assistance, if you have any questions or need any additional information please feel free to contact me directly. Thank you in advance. 
XXXX XXXX XXXX
I 've had a mortgage with Ocwen for the past number of years and had fallen behind in my payments. I was making payments but about 30-40 days late. They sent me an unsolicited modification offer that I reviewed and accepted. I followed the directions ; sent in my trial payments ( 3 months ) and, they, then rejected the mod based on a conflict of names on the title and their loan forms ... I sent them a notarized name affidavit which they received on XXXX/XXXX/16. since then, I have been getting run-around with no resolution. 

My home is the only asset that I posses and it seems that, since they returned my modified payment allegedly because the mod was denied, they are now telling me that they have no idea when this will be resolved and that I am now at 109 days in arrears. 

I am hoping that your agency can get me the approval that I need to continue staying in my home ... from all the claims that I 've read against Ocwen I believe that they are looking to get me to the point where I owe too much to catch up and they get to foreclose. I must avoid that from happening
I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor.
Dear Sir or Madam, I would like to file a complaint against Macy's/XXXX Bank for the following reason ; Macy 's has received my payment on XXXX/XXXX/15, but failed to apply proper credit to my Macy 's credit account and falsely sent a delinquency report to XXXX credit report agencies, XXXX 
The initial payment was {$40.00} but they sent me bills with late fees and interest charges that I ended up paying in the amount of {$100.00} total. 
Macy'sXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX FaxPresident : XXXX XXXX XXXX XXXX Bank XXXX Citi Bank XXXX XXXX. XXXX XXXX XXXX, OH XXXX XXXX is as follows,1. I mailed the initial payment on XXXX/XXXX/15, and according to my bank, it was cleared on XXXX/XXXX/15. It took almost 2 weeks. My bank was helpful that they wrote me a confirmation letter. 
2. After I learned that my payment was not applied to my credit on XXXX/XXXX/15, I called Macy 's customer service and spoke with several people to no avail. One person told me that he would call me on my missing payment, but I received no call. Other people were just incompetent, pointless, rude. No one offered me to open a missing payment investigation case. 
3. In the meantime, my bill went up to {$100.00} with late fees and interest charges. 
I have paid intending to dispute later. The payment was received by Macy 's on XXXX/XXXX/15. 
4. I sent a payment dispute complaint to the above Macy 's address via fax attn to XXXX XXXX, but unresponsive to this date. 
Also mailed to XXXX Bank by certified mail. According to the USPS tracking website, the certified mail was delivered to XXXX Bank XXXX Citi Bank XXXX on XXXX/XXXX/15. 
According to the XXXX Bank Agreement, it states ; '' What Will Happen After We Receive Your Letter Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. " I have not received their correspondence to this date. 
5. After XXXX/XXXX/15, for 2 weeks my credit card balance was XXXX, and I received another bill for {$2.00} and I paid. Macy 's has received my payment on XXXX/XXXX/15. 
6. I filed a complaint with the Better Business Bureau about 3 weeks ago, a woman named XXXX XXXX contacted me and demanded a proof of payment, I provided all documents that support my complaint. She did receive them. Because the following day she left a rude voice message on my cell phone saying " not send too much of fax '' LOL. 
I have not heard from her or Macy 's since then. 
I am requesting Macy's,1. A refund check in the amount of {$100.00}. 
2. Remove a delinquency report that Macy 's sent to XXXX credit report agencies, XXXX 
3. Close my account. 
4. Send me a final statement with a XXXX balance. 
5. Apology for the inconvenience and time I wasted. 
Thank you so much for your attention to this matter. 
Upon request, I will provide all information that help resolve this complaint. 
Regards.
I received an alert on my credit report that an collection account with RGS FINANCIAL was added to my report. I reached out to the company and they advised it was for XXXX. I informed them that the account does not belong to me as i have never done business with this company. my information was used fraudulently to open the account which is why i have an credit alert on my credit report now. This account needs to be removed from my credit reports ASAP
I am a victim of identity theft. Someone stole my personal information and opened a fraudulent and unauthorized checking account wi th    XXXX   XXXX   XXXX    ,   XXXX   XXXX   XXXX  and  XXXX   XXXX . The checking accounts are listed on Chex Systems consumer report and are fraudulent, unauthorized, and do n't belong to me.
I can not access my credit report on XXXX out of the XXXX sites without using my sister in law 's ( same odd name ) information to answer the XXXX initial security questions.
To Whom it May Concern, I am writing this letter in regards to a collection that is on my credit report. It seem that this collection account is being passed around and I have submitted several letters to resolve this issue. 

The creditor is SOUTHWEST CREDIT SYSTEMS, L.P. for XXXX XXXXXXXX XXXX. I don't own and have never had an account with this company. I am asking for this account to be removed from my account. I have filed an report with the FTC about this report and they have listed it as a fraud on my account. This was placed on my XXXX report on XX/XX/2018. Please see attach fraud document. I have sent this information to the credit bureau also.
I bought a sleep number bed XX/XX/XXXX. My account was sold to different banks a couple times throughout the payout portion. I eventually fell behind, totally my fault. XX/XX/XXXX I was contacted by a law office to collect the debt. I agreed to pay about {$20.00} every two weeks. This has been over two years ago, and I called for my balance today. The original debt was {$1200.00}, I have paid over {$1200.00} in the years I have been paying, but still owe about {$2400.00}. I called the attorney 's office and they informed me that my debt was {$3600.00} when they got it. I pulled my credit report and called every bank that has had this loan/credit account, and none of them can tell me where the {$2000.00} came from. I feel I have paid my debt back, and do n't mind paying some fees, but {$2000.00} on a {$1200.00} debt seems insane.
This letter is regarding my XXXX account, which you claim I still owe {$5700.00}. This is a formal notice that your claim is 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. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and 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 will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act XXXX including but not limited to Section 807-8 ) 4. ) 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. 

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 Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Capital One WAS reflecting a 30 day late on my report from XX/XX/2012 with all 3 CRA 's. 
It was disputed and removed from XXXX and XXXX  but it remains on XXXX. 
if the 30 day late has been removed from 2 of the 3 credit reporting agencies why has it not been removed from the 3rd ( XXXX  )
This is in reference to a Barclays Credit Card, XXXX XXXX XXXX XXXX. 

I closed my credit card account on XX/XX/2018 after paying all outstanding charges. 

On XX/XX/XXXX I recieved an email that I was past due on this closed credit card. 

After contacting the company on XX/XX/XXXX, I was informed that on XX/XX/XXXX, a company called XXXX XXXX submitted a charge which they claimed was made XX/XX/2018. 

I tried to contact their fraud department but they did not pick up the phone after 20 minutes on hold. 

I do not have the credit card number since I cancelled the card.
Disputed XXXX XXXX XXXX with Equifax because it is unknown account and I have no knowledge of account Disputed XXXX XXXX XXXX with Equifax because it is unknown account and I have no knowledge of account and no contract for this account
Midland funding reporting expired debt on my credit report I never received anything in regards to dispute this debt.
This company has repeatedly called and harassed my phone for almost a year for a debt that I do not owe I have asked them several times to not contact me and to send any information they have to the address they have on file and I have yet to receive any information or any notification of debt to verify this is correctly mine. They have threatened me over the phone and repeatedly posted hard inquiry month after month for a year on my credit report eventually I had to contact my cell phone provider and block all four of the numbers they were calling me from.
Ive recently pulled my Transunion credit report and Notice accounts that have been investigated and deleted by another credit bureau are still being reported by Transunion. THIS HAS GONE ON TOO LONG AND NEED TO BE FIXED ASAP. I have disputed these same accounts with Transunion and no investigation was done, only remain on my credit report. Attached to this letter is proof that these accounts were deleted by XXXX and are no longer reporting. Please follow suite and delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The FAIT CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

The following accounts have been removed by XXXX   and I am asking Transunion to remove : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX acct XXXX XXXX XXXX/XXXX XXXX Acct # XXXX XXXX/XXXX XXXX Acct # XXXX Thanks for your cooperation, XXXX XXXX
Refinanced some outstanding debt with a home equity loan. One of the debts was a charge account with Lowe 's through Synchrony Bank. My bank sent out a cashier 's check ( number XXXX ) in the amount of {$2700.00} on XXXX XXXX, 2016 and the bank placed a stop payment on the check because Synchrony had not yet received it as of XXXX XXXX, 2016. A second cashier 's check ( number XXXX ) for the same amount was mailed on XXXX XXXX, 2016 and cleared my bank on XXXX XXXX, 2016. This check should have paid off the charge account balance as of the date of the Home Equity, yet Lowe's/Synchrony is claiming to have never received the second check. While at my bank on XXXX XXXX, 2016, Synchrony was contacted and we were told that there would be a resolution within 10-14 business days ; we faxed the representative proof showing that the second cashier 's check had cleared my bank. She confirmed that she received the fax. I have also contacted Synchrony on my own several times and been given the run-around. Not only am I not able to get this cleared up, they are also charging me late fees and most likely reporting my payments as being late. One last comment, after several attempts to correct the spelling of my name on the Lowe 's / Synchrony account they still have it spelled wrong. Although my name is incorrect, the bank put my charge account number on the cashier 's check.
Transunion is reporting XXXX bankruptcies on my credit report illegally. I disputed with Transunion and XXXX came back verified. Contact the courts and the say Credit Bureaus NEVER contact the courts to verify anything.
Green Tree Servicing bought out our XXXX mortgage. Since then they have been out of compliance with our original mortgage with XXXX. We pay our mortgage on a bi-weekly basis. The extra half payment that occurs twice a year is not being applied to the principle balance they also are withholding escrow payments from these payment. These payment should be immediately applied to the principle and not left in their unapplied funds account, additionally, no escrow should be withheld.
On XX/XX/XXXX XXXX XXXX ( XXXX ) was notified to cease contacting me regarding a credit card debt ( letter attached ). The debt was sold to Portfolio Recovery who attempted to collect on the same debt. Portfolio Recovery was noticed to cease contacting me on XX/XX/XXXX ( letter attached ). On or about XX/XX/XXXX, I received another collection letter from Portfolio Recovery ( letter attached ). In my letter of XX/XX/XXXX, Portfolio recovery was requested to send to me verification of this debt and supporting documents. They never responded.