WillisBack/dataset-financial-user-claim huggingface dataset:
My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from XXXX XXXX XXXX is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with Capital One. I never had an account with Capital One that was opened in XX/XX/XXXX which they allege using an address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The XXXX XXXX XXXX account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and XXXX XXXX XXXX. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from XXXX, XXXX XXXX and XXXX XXXX XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX  is refusing to remove the XXXX XXXX XXXX identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX  report where I could not qualify to even be a member because I have never worked for the federal government
There 's a problem with my homeowner 's insurance. I purchased my home XX/XX/XXXX, and my insurance, through XXXX, was setup to be paid with an impound account through my mortgage. For some reason the mortgage company did not renew my insurance account and therefore it was canceled XX/XX/XXXX. When I went to refinance my home this year, the mortgage company saw that I did n't have insurance and added it to my account. The insurance they 've added is much more expensive than my original policy, and I do n't believe I should have to pay the added premium on the months they 're trying to back-bill me for. 

I 've reached out to the mortgage company and have not had success in getting their help. I have called atleast twenty times these last few weeks, and I have made no progress in getting this issue resolved - I 've called today four times, and I have been hung up on every time due to problems transferring, and one representative refused to to transfer me because there 's a balance on my account. 

The person I have been working with his XXXX from the insurance department. XXXX is supposedly a manager in the department. He told me that he would take on my trouble and get to the bottom of it. However, I 've been waiting for over a week for XXXX to call me back, and when I called back in to get a status I was told that there is currently no ticket open, documenting my trouble. 

I just need to get this resolved, so that my credit is n't damaged. I have a balance on my mortgage that I am ready to pay today, but I have to resolve this issue first as it has substantially increased my monthly mortgage cost. I am also in the process of obtaining my own homeowners insurance. 

Thank you.
On XX/XX/2018 I was informed XXXX XXXX XXXX was removed from my report through Experian via copy website. I have disputed this item several times since it is not accurate and paid to original lender. However, when I tried multiple times to get updates from the original credit lender XXXX XXXX aka XXXX XXXX ( which both populate on my report ) they then sent to collection after years of being paid ; very weird company. My credit report pulled XX/XX/18 by XXXX-XXXX does not have this item on my report through Experian. This has also een resolved with XXXX and XXXX whom updated my report accurately. I have attached several documents through Experian website previously.
In early XXXX, I noticed a charge that I was n't familiar with on my Sam 's Club MasterCard Account Statement from Synchrony Bank. The charge for ~ {$200.00} was made on XXXX XXXX in XXXX, FL and I live in UT. Synchrony Bank has a very archaic inquiry process which required me to complete a manual form and fax or send my inquiry in for processing. A response to my inquiry was finally sent on XXXX XXXX. The information provided by the Bank indicates that there were XXXX separate MasterCards used to pay for XXXX transaction. Each of the XXXX cards were charged the same amount and were signed by the same person. In addition to a Receipt of Charge for my account that I did not personally sign, the Bank also provided a copy of the driver 's license for what appears to be the individual who signed each of the XXXX Receipts of Charge. The letter from Synchrony Bank that accompanied this detail advised me that the transaction is valid and that the amount in question is now subject to interest charges and will be used to determine my minimum payment due. It does n't take a rocket scientist to realize that I did not sign for the transaction and that the identification provided ( driver 's license ) by the individual initiating the transaction does n't match my account. From my perspective, the transaction is clearly fraud, my card number has been compromised, and the length of time and the process required for me to identify and subsequently reach out to the Bank a second time to address the issue is clearly unacceptable. The Bank should have fraud detection processes in place to proactively identify and review charges that are potentially fraudulent. My transaction should have tripped the Bank 's fraud detection filters. The customer service reps whom I spoke to regarding the fraudulent transaction did n't give me a great deal of confidence that the matter would be handled appropriately. I 'm also concerned that the Bank provided me with a copy of another person 's driver 's license complete with name, address, date of birth, etc. ( PII ) without the individual 's permission. At this point, I 'm waiting for the charge to be deemed fraudulent, removed from my account, and to have my current card replaced with a new account number. I 'm also concerned that there are XXXX additional cardholders who received the same charge that I received on XXXX XXXX ( per support that I received from the Bank ) who potentially did n't or have n't yet identified the same fraudulent transaction in their accounts. The customer service rep initially advised me that these cardholders would need to dispute their own transactions but after additional pushing on my part said that they would attempt to alert the other cardholders of the potentially fraudulent transactions. I do n't find my experience, brought about by very poor operational and risk management processes, to be acceptable for any financial institution let alone one that is supporting such a large partner as Sam 's Club/Walmart.
The company name is Credit Central in XXXX, SC. They sent a live check which I did cash. I made payment arrangements. However, I did not supply my employment information because it was not requested. They called my job asking for me and when I asked them to not call me at work became rude. Calling my job could jeopardize my employment.
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and yahoo data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
I have had inaccurate reporting on an  XXXX  charge account for over 6 months now and the credit bureaus still allow the creditor to report the account status as " delinquency  XXXX  '' and it has been dampening my  credit score . I working hard to buy my wife and daughter a new house but the home loan company says my scores are too low and in fact dropped from a  XXXX  as my mid score down to a  XXXX  and the only thing derogatory that changed was   XXXX    report  XXXX  the derogatory remark. I do n't know what else to do we 're suppose to close on   XX/XX/XXXX  a nd these companies have all the power to affect such a large part of our lives. I have made mistake but for this to keep affecting me the way it has seems very unfair. I also had a loan taken out by in my name that the bureaus still have not taken off even after the police and other government site provided me with everything to hand over and I did now i had to pull the account out of dispute status so FHA will approve us but that i can deal with later. Im desperatley trying to get the ccredit bureaus to delete the delquency states and negative remark so my score and report will reflect accuratley. I made some notes on a credit report which I have uploaded. I 've tried disputing the account atleast 3 times.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX Account Number : XXXX X Date : XX/XX/2010 Amount : {$15000.00}
I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and XXXX deleted the main XXXX. On my report DHS CS has put my child support on XXXX. I disputed it and it should be removed because its over 7 yrs old. But they allowed XXXX to change the date and make it a XXXX date open which makes no sense. I also found out by National collections that in XXXXthat they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at XXXX if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.
I received a " second notice '' from  Complete Payment Recovery Services  @  XXXX   XXXX   XXXX ,  XXXX , AL  XXXX . It stated  XXXX   XXXX   XXXX   XXXX  wrote a bad check ( #  XXXX  ) at  XXXX  #  XXXX  on  XXXX / XXXX /  XXXX   for {$130.00}, creditor is Certegy Check Services.  CPRS  is demanding {$170.00} from a non-existent company at my home address. The phone # for  CPRS  on the letter i s (   XXXX   )   XXXX  and is not the same as a number online. CPRS wants immediate payment by phone.
On XX/XX/XXXX I submitted my application for Loan Modification assistance. My request for modification assistance has been under review. On XX/XX/XXXX I received a collection call from a representative at Nationstar Mortgage that said my request for modification assistants had been denied due to negative disposable income. She wanted to know what are my plans for the home since it is in foreclosure. I asked her why have n't I received a denial letter. She then stated it would be mailed. Today is XX/XX/XXXX and I still have not received a denial letter. Additionally I received a notice of a class action lawsuit XXXX Nationstar Mortgage LLC, Case No XXXX. This notice states that If I was charged for lender placed insurance by Nationstar ( which I was ) for your residential property this settlement will provide you with the opportunity to claim a credit towards what you currently owe the Nationstar Defendants if you did not pay but still owe the premiums for that LPI Policy to the Nationstar Defendants during the class period. XX/XX/XXXX - XX/XX/XXXX. Claims must be postmarked by XX/XX/XXXX. Here is the link for more information XXXXXXXXI told the representative that called on XX/XX/XXXX. How can Nationstar have accurate reinstatement figures if this settlement had not been taken into consideration? I still receive collection calls from Nationstar.
Simply I want to buy a car from XXXX, and I signed a one form for them to run my credit, and before they do I asked them a direct question you will run my credit only once right, the agent answer and his manager confirmed yes once only for sure. 
Few weeks later, I found that all listed firms run my credit without my authorization, I did n't sign one form with any of listed below firms : 1 - Wells Fargo bank on XXXX - XXXX XXXX 2016 2 - XXXX on XXXX - XXXX XXXX 2016 3 - XXXX on XXXX - XXXX XXXX 2016 4 - XXXX on XXXX - XXXX XXXX 2016 5 - XXXX on XXXX - XXXX XXXX 2016 6 - XXXX on XXXX - XXXX XXXX 2016
My claim was denied & case was closed with no valid reason. I was a victim of fraud and my information ( debit card ) was skimmed and copied including my PIN number. 
I initially opened the claim over the phone on XX/XX/2018 the instant I received the alert of my checking account with Chase being below the threshold alert set. I then logged onto my account and saw that my account had various fraudulent transactions of funds being withdrawn at a local Chase Branch in XXXX, CA where I reside. After totaling up the amounts I was at a loss of {$1000.00} and overdraft protection transfer from my savings account. Once the claim department opened my claim, I was advised to go in person to the nearest branch, to have some paperwork sent to them and for them to fax over to them. I was out of town at the time of the incident, nearly 300 miles away from home, where these withdrawals were made on XX/XX/2018 on XXXX XXXX XXXX Chase branch. I went to the Branch in XXXX, Ca and I have proof of my whereabouts as I have receipt of the XXXX ride I used to transport me to the Branch located on XXXX XXXX XXXX. 
I have complied with all the documents, and closely have been monitoring this claim. To my surprise it was denied and closed and was told over the phone there was nothing else I could about it at this point. I find it unfair that the FDIC is not covering my loss over fraudulent activity, and I am hoping I get my money reimbursed into my account as quickly as possible. It has been 5 business days since the incident, and nothing has been done in my favor but rather I am getting the run-around all over within the branches and over the phone. 
As a customer, I hope something is done to resolve my problem and find a resolution. I have filed a police report, as I am not the only customer who this has happened to this past weekend. Numerous complaints/claims have been opened as there is a fraudulent skimming ring happening in my city, and I am sure that Chase is aware of this situation. If this is not resolved in a timely manner, I will then have to find an alternative route to have this matter resolved. 
I can not be waiting around for long, as I do have bills and cost of living expenses that need to be taken care of and it is unfair I am not getting a provisional credit while the investigation is being made. I do understand that these things take time to investigate, but at this point I am seeking immediate help to get this case taken care of and have the money placed back into my account.
National Recovery Agency placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request National Recovery Agency to remove incorrect information off my credit report. More importantly, National Recovery Agency are in violation of FACTA section 623 ( A ) ( 7 ).
Per Certified Credit Reporting Report # XXXX, TransUnion, XXXX, and XXXX  have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - XXXX : XXXX XXXX, they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.
Experian has allowed XXXX XXXX to report an account that was XXXX reported by XXXX ( XXXX ). This account was removed from file. This is not my account.
BOA should be investigated for their overdraft fees and collections practices. How is it legal to charge fees on items that were deducted from your balance prior to an actual overdraft? I had charges come out and deduct from my funds prior to a charge which resulted in an overdraft. fees were added to transactions prior to the overdrafted item. fees are added from an extended overdraft but how can you expect me to pay over {$400.00} when my overdraft was roughly XXXX? when speaking with customer service, the rep provided every answer possible without incriminating boa. I used to actually work at boa for 5 years and never had issues such as I do now that I am no longer employed with them. the fees charged is absolutely ridiculous. I get charged fees for transferring funds from my own accounts! did n't boa get sued for this before? How are they able to continue doing so? their business practices are the reason people HATE you.. the reason people try and get away from you! the reason I am ashamed to say I used to work for you! the last time I had this issue, just a few months ago I might add, I submitted an executive complaint, was assigned a rep to resolve, who frankly told me on the phone that not one fee should have been incurred. this was after I was told via a general customer service manager that if I wanted to avoid fees to stop over drafting my account. I am sure she is still employed by the way. I have had multiple fee refunds in 2015 because of bank of America errors. but mystically they are not coded as an error so when the next rep goes in to next time it happens, it shows waived as a courtesy.. WHAT?? what courtesy do you provide me? the courtesy of having the pleasure speaking with your rude customer service reps who you can tell hate their job? the only time I am treated with even an ounce of respect is when going through the chat option which is probably because it is in writing and not verbal. I would like a scrub of my account.. I want the fees to be returned. there were XXXX transactions that happened that actually overdrafted my account, in turn means XXXX {$35.00} fees, yet I have XXXX! I have fees on my savings from transferring to savings or simply having a savings.. I am done.. if this is not resolved permanently, I will most definitely be the next to sue. you take money from me with my direct deposit that should n't be yours! to have XXXX fees refunded is a slap in the face. I 'm am so tired of having to do this with boa every few months. please investigate bank of America. this needs to be stopped.
This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving the issue with XXXX   on XX/XX/XXXX and direct through the company on XX/XX/XXXX but no resolution has been made.
Someone stole my bank card and charged over {$4000.00} t regions and now I 'm stuck with something someone else has done to me
We filed our Chapter XXXX bankruptcy in Iowa in XXXX, it was granted effective XXXX XXXX. It was discharged in XXXX. Our mortgage company at that time, Bank of America, held XXXX mortgages. Both were filed with the bankruptcy filings. We received paperwork on XXXX mortgage, but not the other. I called BofA to inquire and they said only that no further money was due on the second mortgage. We proceeded with the filing, leaving the second mortgage amount listed. Although we did not discover this until much later, in XXXX of XXXX an " Insurance Company '' filed a lien on our property for the original amount of the second mortgage, almost twice as much as the amount I had contacted BofA about. We had never heard of the Insurance Company. I tried to contact the Insurance Company, sending XXXX or XXXX ( ca n't remember ) letters and calling on several occasions, but was never able to connect with anyone either by letter or phone, getting no return mail or telephone calls, even though I left several messages. 
We first learned of the lien after the bankruptcy was discharged, when we tried to get a mortgage on our home in order to do some necessary repair and major maintenance work. Due to the presence of this lien, which we knew nothing about, we were unable to get a loan of any kind. They have never contacted us or tried to collect, except once, after receiving notice from the court that the bankruptcy was discharged. They apparently contacted Bank of America first, and were told contact us, asking us to tell Bank of America to send them any money that BofA had collected during the bankruptcy that belonged to them. I did so, apparently BofA did send them a check. During my conversation with BofA, I learned that BofA had purchased " mortgage insurance '' from this Insurance Company, and the Insurance Company had paid off the loan to BofA, which was why it showed that nothing was owed to BofA on the second mortgage. 
I think this entire exchange was underhanded and possibly illegal. We were not told the loan was sold. Can you help us to clear our title of this lien? Thanks for any help you can give.
I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late in XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file. 

There are 3 XXXX XXXX XXXX Accounts that are reporting inaccurate late payment.s