WillisBack/dataset-financial-user-claim huggingface dataset:
CHASE MTG ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CHASE MTG or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CHASE MTG or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
I submitted a credit dispute to bothe Equifax and XXXX for an account that was not not properly validated. Both reports state it was verified. I sent a debt validation letter to XXXX XXXX XXXX XXXX  for a collect account found on my Equifax and XXXX  credit report. I sent the request on XX/XX/XXXX certified and it was received and signed by the Collection Agency on XX/XX/XXXX. On XX/XX/XXXX a representative of the collection agency called me to inform me that they do not need to validate anything as their client sent an invoice. I proceeded to tell them that I did not receive any invoice nor did I receive the requested items in the debt validation letter. I further asked for all information in the letter to be sent in writing. It has been more than 30 days and I have not received any information validating the debt belongs to me as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I attached a copy of the validation letter sent and the proof of certified mail received. I also submitted a CFPB complaint on the collect agency and they did not respond CFPB complaint XXXX. I also I checked to see if XXXX is a licensed collection agency in the state of Florida and it is not. All of these points show they do not legally have the right to report a negative file on my Credit reports.
I had fraud occur in my account =to XXXX. I researched with the places where the fraud occurred and they informed me that a female made the purchase age being from about XXXX years old. Stated she purchased an XXXX XXXX x repeatedly. All in all I contacted the debit card company and they refuse to refund the charges back to my account. They say I need to work with the merchant. A case was filled and then closed not in my favor. Dates of dispute was XX/XX/2017 case opened case closed XX/XX/2017. Under regulation e Im not responsible for unauthorized use of my account except 50 .
I submitted a payment to Synchrony Bank on XXXX/XXXX/15 regarding an credit account with Ethan Allen furniture. In the 3 days, from XXXX I received XXXX calls from Synchrony Bank XXXX including calls on Saturday and Sunday. This level of harassment is unacceptable.
I have tried to resolve the inquiries on my credit report with the consumers but the customer service rep. was not interested in helping me remove the negative inquire on my credit report.
On XX/XX/2017 I seen a charge that over drew my account - 2 payments of {$220.00}. I called American Express Bluebird right away after getting that email to let them know this was not a valid charge. That was n't my only time I had to dispute these charges. On many occasions, this company did not contact me to ask me for the proof I had for my dispute. There should be a record of phone calls I have made and spoke with representatives. I have disputed the charges at least a dozen time and then finally they gave back one payment of {$220.00}. On many occasions I have called the company and explained that there is another {$220.00} that is due To my account. I have confirmations from email and fax that shows I have sent them everything they have asked for. Yet they did not look at the information and dismissed my dispute. I have a copy and I can and will send it to you if you like.
I attempted to open up a checking account online with Citizens Bank. Through their account enrollment site, I initiated a transfer from my savings account ( from an external bank XXXX to fund the Citizens Bank account. After pending for two days, the funds were denied. 
I immediately contacted the external bank inquiring why the funds were not released to Citizens Bank. The external bank indicated there was no record of a transfer. The external bank representative indicated that Citizens Bank likely coded the transfer incorrectly as a XXXX account instead of a savings account. This was the most likely scenario since the routing and account number was confirmed accurate. 
I presented this information to Citizens Bank. I spoke with XXXX different customer service representatives who all indicated the Bank was not responsible for the failed transfer and further demanded payment of a fee imposed due to the failed transfer. 
Citizens Bank terminated my account and access to their online banking portal.
Case Number:XXXX XXXX : As per XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, response to my XXXX/XXXX/XXXX, compliant. She states Bank of America do n't tolerate discrimination or predatory lending. I beg to differ with her explanation. Because from XXXX to XXXX XXXX, when they transferred my first mortgage to XXXX XXXX XXXX XXXX. They refused to refinance my mortgage not for lack of documentation. But, because I would not agree to another predatory loan with excessive interests rates, and premium spread. I have documentation that BOA tried to charge me XXXX XXXX, XXXX, and XXXX XXXX dollars, respectively to refinance a conventional loan for me. BOA could have refinance a Veterans Administration loan for me. Because, I 'm a XXXX XXXX Veteran. They refuse, that is the reason they transferred the loan to XXXX XXXX XXXX XXXX. If they had gave me a VA loan. It would have cut my mortgage in half. From XXXX XXXX dollars a month to XXXX XXXX dollars a month. If this is not discrimination. Please! tell me what is. BOA have given XXXX Veterans hundreds of VA loans, if not thousands since XXXX to XXXX.
I have had my Wells Fargo dealer services account for over four years and have never been late on a payment. Around XX/XX/XXXX I left the country for a while ( job related ) and prior to leaving payed my monthly bill as well as set up an auto payment system with my account, seeing that I would have little access to the internet or phone. When I returned in XX/XX/XXXXI was immediately bombarded with calls from Wells Fargo dealer services stating that my account had entered a 90 Day derogatory status. I spoke to multiple people online letting them know that I had set up an auto payment system, and was basically told they had no record of me asking to do that and tough luck. I tried to hold out and contact someone to help prove that I had asked for this but my credit score became negatively effected as well as Wells Fargo having collection agents call my phone every half hour asking for me to pay the month that I missed while I was gone. I would like to know that if there is no record of me setting up an auto payment system, how did the other months that I was gone get paid out, but one was missing. In the end I ended up paying near {$500.00} dollars ( as opposed to the {$210.00} I usually pay ) and my credit score took a massive hit in order to get the account back active.
Essentially what happened beginning in 2009 we had just completed a loan refinance on our house through XXXX XXXX XXXX XXXX. About two weeks after we closed on the refinance we began getting phone calls from XXXX XXXX XXXX and did n't know why only for them to inform us that XXXX bean had been shut down by the government, and that XXXX XXXX XXXX was going to be taking over our loan. They in mediately told us that we were behind at least XXXX payment which we could not figure out why because we had just refinanced. During this time XXXX being was telling us to continue to send them payments as well as XXXX XXXX XXXX saying to send payment to them. 
so for at least XXXX maybe four months we did not send the payment in to anybody and then we finally conceded to the fact that we should just send it to XXXX XXXX XXXX everything went downhill after that we tried to get caught up on those XXXX payments and they continued to not honor the refinance that we had done in 2009 with TBW. into XXXX XXXX XXXX XXXX XXXX decided to foreclose on us. we ended up getting an attorney who was absolutely no help because he decided to start running for state representative where we live. We tried twice to get a modification from XXXX, and they refused. We did n't know why! We kept trying! They finally agreed to a trial payment period! We paid XXXX trial payment and they immediately sold to Selene Finance! That led to another load of issues. XXXX said they could n't speak to us anymore, it was all selene 's! We kept making said trial payments-we were to make XXXX, we made XXXX! When I called to make a XXXX payment they REFUSED payment! They also insisted they had NO MODIFICATION info from XXXX!!!!! 
And now we are still facing losing our home!! Selene has sent us 'statements ' for the last year and a half. NO ONE ABIDED BY OUR REFI OR MODIFICATION!! They are trying to steal our home from us!! The trial payments we made? We 're {$200.00} MORE per month than our reg house payment EVER was!!!! 
THEY ARE WRONG AND NEED TO BE STOPPED!! I have been physically ill off and on since this all started back in 2009!!!!!! 
I fear my health will get worse or I will have a mental breakdown because of all of this!!! 
No one should have to deal with XXXX like this!! And it all goes back to our refinance never being honored in 2009 when XXXX took over for XXXX!!!
I have been disputing an alleged XXXX cell phone debt assigned to ERC for the past several months. ERC has yet to provide any real evidence or contracts of said debt bearing my signature and I have contested it. 

I just received an anonymous phone call from a gentleman in Ohio claiming he received copies of billing statements and a letter from ERC with my name, last four of my social security number and my current cell phone number. This gentleman claims he is getting harassed for owing the same debt showing my name and this debt is being credit reported on his credit as well! 

ERC has some serious paperwork issues and is now sharing my private/personal information with a unnamed man on the other side of the US. I have reported the neglectful communication tactics to CFPB several times as well as the California Attorney Generals office and would like a full investigation on this account and records of correspondence. 

The original letter of right to dispute was never sent to me directly but was wrongfully sent to a relative of mine in XXXX, now, my personal information is being mailed to annonamous people in Ohio. This is very concerning. 

Something must be done as I am now afraid that my information is being passed around to the wrong people and can potentially end up in additional credit fraud.
discover student loan : Interest rate .0945 % XXXX XXXX starting balance : XXXX @ that rate the whole year the interest would be $ XXXX.However, the interest charged was XXXX Qualified Student Loan Interest Paid Amount Year Interest Paid XXXX {$8000.00} So the interest if paid on the {$82000.00} was paid every month it " only " comes to {$7800.00} with the balance dropping about {$8000.00} during XXXX how is this possible? 
XXXX XXXX statement balance {$74000.00} XXXX XXXX statement balance {$74000.00} Never late never any fees This loan was sold by XXXX a to Discover and the Starting amount between the XXXX is also suspect.
This was a 0 interest loan for 36 months. If not paid off 29 % interest was charged retroactively. The payoff date expired in XXXX and the payoff balance went from {$1300.00} to {$5900.00}, which was more than the purchase price of the product I bought and I 'd paid on it for 3 years. The problem is the emails I received from Synchrony Bank do not give me the expiration date of the " 0 interest '' offer. I received XXXX email on XXXX XXXX saying " Promotion ( s ) Expiring Shortly. See the promotional box on the statement for additional details ''. When I clicked on the link to the statement it took me to a marketing screen without a log in to my account. At the bottom of the screen is a tiny " contact us '' which I eventually clicked on. It took me to a log in screen. When I logged in with my SSN and DOB it said it could n't find any records of my account. Companies like Synchrony Bank prey on consumers by not providing adequate notification of these promotional programs, and then making it extremely difficult to get to that information. Then they charge outrageous interest rates, which should not be allowed. I called them, explained the situation and they basically said, too bad, you owe us {$5900.00}. Each email statement should have included the expiration of the promotional period and notification that the interest rate was retroactively being raised to 30 %. The paper bills they used to send had this information. The emails did not and made it difficult/impossible for the average consumer to find the info. Since the account was on auto payments from my checking account, I did n't realize they expiration date had expired until 3 months later. I have paid over {$800.00} in new monthly payments. I talked to a supervisor today and offered to pay off the original balance of {$1300.00} on top of the {$800.00} and was told I had to pay off the entire balance. Retroactive interest charges like this should not be allowed. If they are, there needs to be requirements for notification that make it CLEAR and EASY for the consumer to understand when the payoff date is.
XXXX show up on my credit history (XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit.

XXXX XXXX ( XX/XX/XXXX) do not have any knowledge of this inquiry it should only been one inquiry which it was on theXX/XX/XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry Chase ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX do not have any knowledge of this inquiry XXXX XXXX  (XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry
I started a new job in XXXX 2016. I updated my Income Based Repayment Plan on studentloans.gov. I submitted all of the documents that were needed to the fax numbers given on studentloan.gov. Navient contacted me around the end of XXXX stating they did n't get my income information. I called them and told them I sent it to the fax number given and they stated that was an incorrect fax number. I resubmitted my income to the fax number given by the representative. I then received another email around the end of XXXX of XXXX stating my income did not have my pay frequency, so I resubmitted my income again. I received another email today XXXX XXXX XXXX ) stating I do n't send in income way with pay frequency. I called and told them I did. The representative had to look at my income paper again and saw that the frequency was there. But since a payment was due yesterday, I had to make a payment or complete a forbearance. I do not think I should have a late payment, missing payment nor have to complete a forebarance since I was timely with my correspondence to them and in fact initiated the update to my Income Driven Repayment Plan. Due to this negligence my repayment plan is n't being processed until today! I am not at all satisfied with being punished with a late payment due to their negligence on overlooking the income documentation I submitted.
I applied twice for a loan modification and was stringed along for over 6mos and encouraged to apply twice to have the same outcome. Now I am currently facing foreclosure and losing my home. Chase just does n't care I am just another number in foreclosure.
Went to Chase bank for a refi. Only Bc of divorce and I need it out of my ex 's name. I only owe 14 years. The original loan was XXXX. I only wanted to refi the balance of XXXX. For 15 years. They took my XXXX. I gave them all the info requested. I have a credit score of XXXX/XXXX. They then need me to come in an sign a letter the mortgage person typed up. Stating that I live in my Condo. Bc I recently married. They had my husband fill out papers as cosigned when I do n't need it. They then asked for a 3 way call with my bank, I was 3 months ahead on my home loan in XXXX. Then they did it again fot a XXXX balance on my XXXX card. Then they had my husband do the same with his bank. Then they call us and make a offer for a higher interest rate then what we agreed on. A whole percent higher. Said they did n't believe I lived there. I said go there my clothes are there ask the management company. They refused and called me a liar. In fact she hung up on me. So I am out of the {$410.00} for the Loan. I can payoff the loan we have in money markets. But the unscubluous practice of Chase bank taking money and then changing the terms to get a higher rate is wrong and should be address. After thinking about it one day I went down to the front desk and asked our security do you keep records of my fob to get in and out of the building he said yes but he did n't know how far back it went. He went back to XXXX 2014. It shows every time I enter or left the building. He printed me a copy of my entrance and exits. I took them to my local bank and showed her and she said she would have the local manager call me. I got nothing from them. I called and left messages with the state of Fla area XXXX XXXX. He never returned my call. I would n't want a loan from them now if they gave it to me. I removed XXXX from my accounts there. And put it in my XXXX credit union. But I feel I should get my {$410.00}. They sent us through all kinds of unnecessary info and we provided it. We did on our end everything and was turned down. Chase should be penalized for taking people money. Yes make it know to everyone do not use Chase to do a refi or get a loan. Please feel free to call me. XXXX typed the letter at the bank and had us sign it. I have XXXX other investment properties that are rented out and I understand about investment and I put my XXXX % down years ago. Why would I rent out my home downtown where I love? Either way property appraiser has already dropped by and inspected for himself. I have his card. Which I told them about the unannounced inspection.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against NCAC for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
My mortgage loan was sold to Carrington Mortgage by XXXX XX/XX/XXXX. I was told my first payment to Carrington would be due XX/XX/XXXX. When I finally spoke with Carrington I was told I owed them for XX/XX/XXXX and XX/XX/XXXX. When I tried to make a payment I was told I could n't make a partial payment. XX/XX/XXXX I paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and told my next payment due XX/XX/XXXX. 
When I called to make the payment I was told I was told I owed for 2 months and could n't make a partial payment. So I contacted Keep Your Home California to apply for the Mortgage Reinstatement Program. I called Carrington to inform them I applied for the program I gave them the Homeowner ID and was told okay. Because of the dates I deposited my checks KYHC said I had a income increase instead of a decrease. KYHC informed me XX/XX/XXXX. I called Carrington XX/XX/XXXX and informed them I wanted to bring my mortgage current I was told I owed a little over {$12000.00} and attorney fees but they could n't give me an amount for the legal fees and asked if I had the full amount I told them yes. I was then told they could n't accept the payment until after they contacted the foreclosure dept. to find out how much the legal fees amount and because it was the holidays they would send me a letter and an email the beginning of the year. On XX/XX/XXXX I received a letter from Carrington stating A Notice Default has been filed on XX/XX/XXXX.
While reviewing my credit report, there is an account listed as closed for XXXXCARE CREDIT with current payment status : In Collections/Charge-Off dated XXXX XXXX, 2013. The remarks indicate : Payment after charge off/collection purchased by another lender. I would like detailed information regarding this collections listed on my credit report. I have never received any information advising of any unpaid balances. If this information can not be provided, then I am requesting this error to be removed from my credit.
XXXX XXXX has put a XXXX XXXX XXXX on my credit report that is not mines, back in XX/XX/XXXX I had lost my social security card and identification card and a few other things out of my wallet, Well back in XX/XX/XXXXI found out that someone had put a car in my name, not only did they put a car in my name put got into an accident along the highway back in XX/XX/XXXX, I found out when I got arrested for driving while suspended, on my BMV it says i drove a car without insurance which is associated with the XXXX, I had reached out to XXXX XXXX several times, I have disputed the information, I have called and spoke to many representatives, the last rep she claimed to be a manager her name was XXXX, she told me she would look into it and keep in touch with me, I sent over all the proper documentation she asked for, I explained to her the situation, meanwhile their doing this investigation I am being punished by the Indiana Department of Transportation, in the amount of XXXX ( starting off ) current balance XXXX , I dont know what else to do at this point. Its gotten my license suspended so i cant even get MY drivers license, then they want a police report, but i was not at the scene nor did i know until almost 2 years later so there was no police report filed just security freezes on all 3rd party consumers and credit bureaus. I want to get this resolved immediately, I truly do not want to file bankruptcy, I want them to remove this from my credit report because it is not mines and it is causing me nothing but XXXX.The car was fraudently opened, I have even contacted the dealership and they all redirect me to XXXX XXXX