WillisBack/dataset-financial-user-claim huggingface dataset:
Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that XXXX XXXX have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.
My home was totally destroyed XXXX and as a result have been displaced for the last 3 years. NY State will be purchasing the property from us so that our family can get back on or feet again. We are prevented to enter a closing due to the fact that Ocwen is refusing to produce a satisfaction of mortgage with XXXX who was bank before Ocwen took over. This has been going on for about a year now and each month that goes by I have to pay property taxes of about {$2000.00} a month. About a week and a half ago I spoke to XXXX XXXX at XXXX she promised me she would call back in a half hour. I have not heard from her since and she is not returning my calls.
Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXXXXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXXXXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXXXXXX XXXX XXXX first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXXXXXX XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXXXXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because XXXX NEVER had any debt with your company!
A claim was filed on the original creditor XXXX XXXX for breach of contract, the vendor agreed to settle the dispute for {$240.00} per the resolution terms through the XXXX. Perfection Collections provided no written notice that this was referred to their offices. I learned of the issue because of credit file alert on XXXX/XXXX/16. I contacted the debit collection agency to try and get information. I was accused of ignoring the debit and not paying my bills. The operator XXXX XXXX was extremely unprofessional and he pushed my buttons. I was ultimately able to learn that debit was reported for {$1800.00}, not the original settlement amount of {$240.00} to end the contract. I also learned that that XXXX XXXX provided them with an incorrect contact information. This was the original reason for the breach of contract with XXXX XXXX. This is not the first time that this company has referred this issue to a debt collection agency after settling the debit through the claim with XXXX. 

I will obtain a copy of the filing with XXXX ... this can be supplied at a later date.
I have asked for chase bank to please modify my loan because the adjustable rate is going to make me lose my house! I was paying XXXX ( i make XXXX a month ) but now it is XXXX a month. i have asked since 2007 to please modify my loan and filled out the papers at least 12-14 times. my payment has gone up XXXX in the last 6 months? ... i am XXXX from all this stress and worry! i am so scared i will lose my home! PLEASE ehlp me!
My complaint is against Coast Professional , Inc. whom is handling a collection on behalf of XXXX University whom I owe a student loan balance with. I originally contacted them on XXXX/XXXX/16 in the late afternoon and left a message at XXXX with no call back. My second call to them was on XXXX/XXXX/16 at XXXX and I spoke with a XXXX XXXX and I told him that I could afford to pay {$60.00} dollars a month starting on the XXXX of each month. Unfortunately there was a problem with my debit card, so on the XXXX of XXXX the payment was rejected by my bank and it was about a few days after that I my bank had notified me that they had n't process that automatic debit, so on XXXX I called and spoke with a XXXX at XXXX and told him that I would n't be able to do the automatic payment and to cancel it and instead I would be mailing my payments to them. I have made payments on XXXX/XXXX/16 credit card payment, XXXX/XXXX/16, XXXX/XXXX/16 and mailed another {$60.00} payment on XXXX/XXXX/16. Yet on XXXX/XXXX/16 they reported me to XXXX and I 'm wondering why they have done this since I have been paying the agreed upon amount and they have willing accepted my payments. I want that collection taken off my credit report. Also, I have never ever received a call from them nor have they bothered to send me any type of bill within the last two months as to what my current balance is at this time.
XXXX, XXXX, XXXX  and LexisNexis are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts. 

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.
On XX/XX/2017 I contacted the company below by telephone. 

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX QUICKEN LOANS. 

I responded to a pre-screened offer letter by calling the number on the letter to ask questions about their mortgage loan rates and my credit unknowingly received a Hard Inquiry without me knowing. Please have this inquiry removed from all my credit reports.
I submitted a dispute with TransUnion on XX/XX/XXXX, it is now XX/XX/XXXX and they have failed to respond. I submitted through XXXX XXXX website. I have also written follow up letters, they responded by sending me a letter saying they did not understand the letter, that is ridiculous because the letter was very clear. It has now been over 90 days and still saying under investigation. It is preventing me from dealing with other disputes through XXXX XXXX. 
file # XXXX TransUNION
I applied for a loan through Veritas lending in  XXXX , Utah. Half -way through the process, the loan officer could not answer certain questions about how much I would need to pay out of pocket at home closing, and so I switched lenders. Veritas, who was the preferred vendor for  XXXX   XXXX  construction, then increased my building costs by {$1400.00}. The told me because I went with another lender, I did not qualify for certain discounts. However, the discounts were never explained beforehand, and I was never given a choice. I feel that both Veritas and  XXXX   XXXX  should have explained the discounts up front.
I paid in full a store credit card through XXXX XXXX that has not been updated to my account.
On XXXX XXXX I received a letter from a debt collection agency, RSI Enterprises XXXX Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX about a supposed debt owed to the XXXX. I do not owe any debt to the XXXX government and had never before received any information that any type of debt was owed. I have never been a resident of XXXX and only lived in XXXX while assigned to the XXXX in Virginia as a military member ( my state of residence was not XXXX and has never been XXXX ). I also do not own any real estate in XXXX.
Portfolio Recovery Continues to call at approximately XXXX XXXX even though I have 1. Identified myself 2. Told them to put me on their Do Not Call List. This is at least the XXXX time they have called AFTER I told them to put me on The Do Not Call List. They never leave a message. I only know it is them because my landline stores all my calls on my Caller ID. Whatever debt I may owe is close to 7 years old and is soon to be removed from Credit Reporting Agency Reports. This alleged debt has ballooned from approximately {$400.00} to approximately {$2000.00}.
I disputed the account on my credit reports ... .... it came back " verified ''. I then sent a letter to 1st Heritage on XXXX, XXXX asking them to verify the account with my contract. I received a reply letter back from XXXX XXXX XXXX. It was just a general letter they send out. It didn't have a contract or any paperwork that I was requesting. I mailed out my 2nd letter to XXXX XXXX asking again about the contract with my signature AND also stating inaccuracies that was on my credit report. XXXX XXXX was reporting on my credit reports that date of last payment was XX/XX/XXXX but on the payment calendar it showed a payment in XX/XX/XXXX. They also had a bunch of discrepancies on the payment calendars that I stated in my letter. They replied to my 2nd letter with the SAME letter they sent out before. Not addressing any of my facts. FCRA U.S.C.1681i ( a ) ( 5 ) ( A ) ( i ) that all information must BE ACCURATE, VERIFIABLE OR BE DELETED. FCRA U.S.C.1681s-2 ... .. these furnishers have to provide ACCURATE information when reporting to the credit bureaus. I sent a final 3rd letter in attempts to get accurate information, only to be sent the SAME letter they sent the first 2 times. In my 3rd letter, I asked them to verify aspects of the acct. They were reporting different " date of last payments ' and payment history wasn't correct. I also asked for them to produce the XXXX for the accounting owed. If they claimed a loss on taxes, made any insurance claims or took a loss and not crediting the client. They sent no such information or paperwork. XXXX XXXX is not in compliance with the FCRA. We as consumers have every right to ask for verification from creditors to make sure they are reporting 100 % accurate on credit reports. I even stated what was reporting wrong on the reports and asked numerous times for XXXX XXXX to send me proof of the inaccurate reporting ... ... and I got nothing. It is companies like this that feel that do not have to comply with Federal Laws that are their to protect consumers.In their letters, it states to provide them with details regarding specific information that was incorrect. I complied with that and gave them items that were wrong. And asked them how they got the balance they got, which is wrong. They are suppose to be able to provide me this information and verify all aspects of the account and they have FAILED to do so. According to FCRA 15 U.S.C.1681s-2b ( 1 ) ( E ) ( ii ) if an item is found to be INACCURATE, INCOMPLETE, OR CAN NOT BE VERIFIED, the furnisher MUST DELETE!
Yes I had and complaint in the reference of inquiries that was taken off my credit report and then add it back onI called several times and they just give me the runaround
First mortgage with Fifth Third Bank and the miscommunication with their mortgage department has been tremendous. I have been receiving different answers and guidance from every single person that I have talked to on the phone. 6 months ago I requested to get my PMI removed since the value of my home had increased. The bank stated that I needed a reappraisal, which I paid out of pocket. The bank sent me a letter saying that the appraisal came back very close to the 80 % threshold and that I just needed to make an additional payment to the principal. I completed this. Then they notified me that they couldn't remove PMI because my conventional loan was sold to XXXX XXXX and now I fell under their stipulations which included waiting 7 years to drop PMI. I never got notification of this sale nor new terms on my loan. Is the bank even allowed to do this? I already paid for reappraisal, followed all the instructions they gave me in addition to the extra payment to principal to get nowhere because now PMI can't be removed. Please advise if banks are allowed to make these changes. Every 5/3 rep I talked to in the phone has no idea how to explain what happened. Thank you.
I applied for a Chase Sapphire Preferred card on XX/XX/18 on their offer page, which displayed ( and still displays ) the following offer : - XXXX point sign-up bonus - 1st year annual fee waived, XXXX $ every year after After applying, I was billed on the account for the XXXX $ annual fee, even though the offer I signed up for specifically advertised the fee being waived. I called Chase about this and talked with 3 representatives, all of which said, " The advertised offer is still active and is valid for other applicants, but not for you. '' They were not willing to honor their advertised offer. 

They told me to either deal with the fee or close my account, and that they would not waive the fee ... if I did a product change, I would still be charged. If I closed the account, I would not be eligible to apply for the card for another 2 years.
i believe this is the XXXX complaint here about this at and t card. XXXX after 20 years they refuse to credit me interest. so i barely use the card. now i bought a camera in best buy that DOES NOT WORK they refuse to take back i am being told i have to pay for. i am NOT paying for it nor should a credit card company tell me i should. i am not. so go to them for me after 20 years and get your money back. the lack of credit of interest and this speak volumes as to what i mean to you. nothing. XXXX refunded money for a broken phone they never responded on too. do the right thing. i will accept nothing else. refund me the money
On XX/XX/XXXXa XXXX check in the amount of {$140.00} to XXXXXXXX XXXX XXXX was delivered to the business. 
On XX/XX/XXXX, Navy Federal made an ACH debit in the amount of {$140.00} as an online payment to XXXX XXXX XXXX 
On XX/XX/XXXX, XXXXXXXX XXXX XXXX returned the unpaid XXXX check ( {$140.00} ) to me as a refund for a cancelled contract. 
XXXXXXXX XXXX XXXX did not receive an ACH debit nor are they set up to receive online payments. 
I did not authorize a duplicate payment. 
I was advised that paper checks are automatically debited as 'online payments ' on the scheduled delivery dates and not when the checks are presented for payment. 
This makes no sense but the same thing has happened on multiple occasions in the past. 
Thank you for any assistance.
I faxed a letter to EQUIFAX last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/2012 they are reporting on my credit report. To my surprise, a rep named XXXX called me from Equifax asking me what account I am disputing when it clearly shows on my letter which account it was. As I write this letter, this incorrect/invalid account continues to damage my credit file and Equifax doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Facts : 1. Kohls alleges that I owe {$250.00} on purchases made. 
2. I have had several conversations with Kohls representatives and sent many confirming documents. 
3. On XXXX XXXX, XXXX, I made an electronic payment of {$210.00} from my account at XXXX XXXX. Admittedly, that payment was directed to the wrong account number ( XXXX ). It was sent to Kohls XXXX XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. 
a. XXXX XXXX acknowledges sending that payment and debiting it from my account. I have proof of Payment from my back and have provided it to Kohl 's. 
b. I have not received a bank credit for this payment and XXXX XXXX says it has cleared. Because it is electronic, I have no canceled check to offer as additional proof. 
4. On XXXX XXXX, XXXX, I made an electronic payment of {$32.00} from my account at XXXX XXXX. Admittedly, that payment was directed to the wrong account number ( XXXX ). It was sent to Kohls XXXX XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. 
a. XXXX XXXX acknowledges sending that payment and debiting it from my account. Attached as Exhibit B is a Proof of Payment document from XXXX XXXX. 
b. I have not received a bank credit for this payment and XXXX XXXX says it has cleared. Because it is electronic, I have no canceled check to offer as additional proof. 
5. My payments were timely, have been received at Kohl 's payment center, and debited from my accounts. In a telephone telephone conversation, Kohl 's representative advised my husband, whom I authorized, that Kohls fees and interest would be credited and suspended while Kohls finds these funds and until my XXXX checking account receives credit for the two payments totaling {$240.00}. 
7. I have issued Stop Payments for the two payments received but not credited by Kohls. This stop payment action cost me {$50.00} and, presuming the bank can stop payment, I believe Kohls should reimburse me {$50.00} in the form of credit. 
8. Once my checking account shows a credit for the two checks totaling {$240.00}, I will immediately send Kohls payment in that same amount. 
9. Until the credit is received either by the stop payment or by your discovery of where the funds were deposited I demanded in a letter that no negative credit report be made.
XX/XX/XXXX National Credit Systems , Inc . 
I asked The supervisor XXXX XXXX to give XXXX authorization to remove a Paid debt from my credit. 
Amount {$670.00} paid XX/XX/XXXX. 
XXXX XXXX said no that she would not talk to anyone from the XX/XX/XXXX or any Credit Bureau, when I asked her why XXXX XXXX said it was against company policy and it was not worth losing her job. I asked to speak with her boss and she said NO. 
I asked her again for her to give me her supervisors name and was told no. I asked her who owned the company and a direct phone number and she lied to me and gave me a false Name and Email and no number. 

This is not acceptable business practice by any means..
XX/XX/XXXX - {$12.00} maintenance fee XX/XX/XXXX - {$12.00} maintenance fee I have made deposits into these accounts, though not ACH deposits, so Bank of America has still deducted these maintenance fees. I tried to explain to them that I have not had a job since XX/XX/XXXX and they are taking money from me when I need it the most. I was told there is nothing they can do. This was contacting the customer service line.
My mortgage loan was purchased Ditech Financials who is now servicing the loan. I have now been with the new lender for about 2 years. During that time, they change the impound payments for taxes and increased my payment amount. I had the account on auto-pay and although did not miss a payment, had two payments that were considered late due to the additional impound fees that were not included. They charged me XXXX dollars in late fees for two months of being " late '' due to not including the additional impound fees, although I made my payments on time. I ignored the late fees and they have not seemed to follow up on them other than sending me constant offers to re-finance with them in which case, they will waive those fees. Last month, I failed to move funds in my bank account and ended up not having the funds in my bill pay to send the mortgage payment. I promptly corrected this and sent the payment in late. I have a ~ $ XXXX monthly mortgage payment and I have just received a letter that have have assessed a ~ {$2000.00} late fee for that late payment. This can not be allowable to assess a greater than XXXX % late fee on a single late payment. Please assist.
I have requested proof of the debt within 30 days and received no response and in addition the alleged debt is over 10 years old and they failed to remove the items from my credit report even though my wages has been garnished for over 10 years and no missed garnishments. THIS IS FRAUD
I called the company with intentions on paying the debt thats on my current credit report which was {$340.00} and the company and I came to an agreement I stated that the damage was done would I be able to get a pay to delete being that if the debt is paid it will still reflect on my credit negative and the lady on the phone stated And if you dont pay this debt right now were going to keep on reporting negative and destroy your credit I felt intimidated and as if I was forced to pay the debt so I instantly hung up because I felt as if that was not professional at all