WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. I found out after the XXXX data breach and took steps to correct this. I included the following letter, with all the required information ( Theft Report, Affidavit, Credit reports reflecting wrong information, Identification documents, requests to block the information and applicable Federal and State Statutes ) and the Credit reporting companies listed above still did not block the information. Below is a copy of what I sent the respective credit reporting agencies ( XXXX and Equifax ) The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. Here are the protections I am seeking. 
Blocking Bad Credit Information from Credit ReportsThe law ( Revised Code of Washington 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 
The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. 
I have enclosed a copy of my Identity Theft Report/Police Report with case number and proof of my identity. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report.
I request the following information to be provided by Wells Fargo Bank NA. 
As you stated in your letter dated XX/XX/2016, Wells Fargo Bank is the investor of our loan. Please provide a written response with documentation to the following questions ; 1st, how did Wells Fargo Bank NA acquire our loan? 
2nd, what date did Wells Fargo Bank acquire our loan? 
3rd, did XXXX sell our note/loan to Wells Fargo? 
4th, if not, which company or investor sold our note to Wells Fargo Bank NA? 
If Wells Fargo Bank wants to end these complaints, please answer all of our questions truthfully and provide documentation. Failure to comply will result in additional complaints filed against Wells Fargo Bank NA.
Equifax refused to allow a consumers statement against XXXX. 
they said because I already had a consumers complaint against another company they could n't accept another consumers statement. I also included a consumers statement about a year ago, but somehow it disappeared, against XXXX.
I have been having issues with unknown addresses that I never lived at keep reappearing on my credit file XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX OH XXXX, I believe it is a error and possibly another XXXX XXXX and Our files have been confused somehow to my file TRANS UNION # XXXX, XXXX Report number XXXX, XXXX XXXX. I have attached at copy of my OHIO STATE ID for proof and verification.
I recently saw activity on my credit report that was not done by me. This item showed up on my credit report on XX/XX/2018 : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 I have contacted XXXX/Walmart at XXXX and they claim they have no record of an account with my information or any pending applications. XXXX  told me that they would need a letter from XXXX/Walmart in order to remove the hard inquiry. I can't get a letter from them because they have no record of any transaction using my info.
XXXX XXXX XXXX XXXX This account : 1. The Pay Status is Inaccurate, it should be Paid/Closed and XXXX Balance 2. Is missing the Payment History Data for the most of the time the account had been open a. This account was opened in XXXX, yet only XXXX of XXXX to XXXX is showing 3. Is missing the Balance History Data for the most of the time the account had been open a. This account was opened in XXXX, yet only XXXX of XXXX to XXXX is showing. 
4. Has Late Payments, when there is no Balance History to support this. 
a. Comments Say Late in XXXX and XXXX, but its flagged 3 times as late.
My wife bought a time share at XXXX XXXX in XXXX, VA. The property became run down under the original management company and an XXXX XXXX was formed to take over management responsibilities. In XXXX the XXXX XXXX XXXX did an inventory of the property and determined that time share owners would have to provide over {$1000.00} in a XXXX to renovate the property to a minimum standard, On Auguest XXXX, XXXX my wife and I paid this XXXX with an elecronic check drawn on my wife 's account at her XXXX XXXX. The amount that we paid was discounted because we paid early and in full. On XXXX XXXX, XXXX, three mongths after making the XXXX payment in full and clearing the Deed of the time share of all encumbrances, my wife deeded the time share to me through a Deed of Gift. 

Several months ago in XXXX I began receiving telephone calls and letters from XXXX XXXX XXXX XXXX XXXX in XXXX, NC demanding {$1100.00} for an alleged debt to XXXX XXXX XXXX XXXX. After several attempts to discover the nature of this alleged debt, I understood that the XXXX XXXX claimed that I had n't paid the XXXX. I tried phoning the XXXX XXXX over a dozen times to find out if they had mis-applied my payment as they had done in the past or if there were some other clerical error. They never answered their phone. I left voice mail messages identifying myself and asking that they phone me back. They never returned any of my calls even though I am a member of the XXXX. XXXX refused to answer questions about the validity of the debt and just asked if I was going to pay by check or credit card. 

After sever harrassing phone calls, I managed to have XXXX agree to stop calling until I provided a copy of the cancelled check. After several atteempts to provide a copy of the front and back of the cancelled check and XXXX claiming that they never received it, I mailed a copy of the check to them and considered the matter closed. 

A few weeks later I received another letter from XXXX demanding payment in full of the {$1100.00}, I was perplexed to say the least. 

After several more harrassing phone calls, I discovered that the XXXX XXXX XXXX XXXX was attempting to collect TWICE for the same debt : once from my wife, which was paid in XXXX XXXX, and once from me, claiming that these were separate accounts for the same timeshare. This is tantamount to fraud : they are attempting to collect the same debt twice even though it had been paid in full. If this practice is legal, someone should make it illegal ; it is certainly immoral.
( Account numbers enclosed as all accounts have been closed for several years ) My XXXX/XXXX/XXXX bankruptcy discharge included two separate XXXX mortgages/equity loans. One loan, Acct XXXX for a dwelling on XXXX in XXXX, AZ, was discharged by this bankruptcy. The other loan, Acct XXXX ( possible full acct # XXXX ) ( loan application # XXXX ) was reaffirmed by me and not discharged in the bankruptcy. Payments for this loan were all made in a timely manner until the home was sold on XXXX XXXX, XXXX. At that time the remaining balance was paid in full. 
I made numerous complaints to XXXX and was always told they would research the matter and report back to me. I never heard anything from XXXX. 

I made several disputes to the credit bureaus who always reported back that they had contacted XXXX who erroneously reaffirmed the loan had been discharged by bankruptcy. The latest dispute and reaffirmation was by/through Trans Union on XXXX XXXX, XXXX. 

I would greatly appreciate this issue being resolved. 
Thank you
XXXX is reporting on my credit report a collection account that is not mine and/or invalid. The Representative from XXXX harassed me numerous times and threatened to ruin my credit by reporting this account to my credit if I dont pay, even after I explained to her it wasnt mine. 
It seems they are following through with their threat. After my previous complaint they stopped contacting me but still reported this to my credit report. 
I would like XXXX to remove negative reporting from my credit report immediately ; also I would like to be Included in any legal action CFPB XXXX take against XXXX now or in the Future.
On XXXX/XXXX/2015 I requested and received a copy of both my XXXX XXXX Report and my XXXX report. I did not request a copy of my XXXX report until today, XXXX/XXXX/2015. When I made this request I received the message thay I had already received a free copy of my Experian Report. This was incorrect I have not received a copy of my free Experian credit report. Earlier this year my bank, XXXX XXXX, offered me, and I accepted access to my Experian Report thru a link on their website. I had to XXXX log in to my account online from which I clicked on the link provided ( XXXX, XXXX, Experian Credit Report ) and enter the passcode I was given, by the loan officer at my XXXX Bank here in XXXX, VA, to gain access to my XXXX XXXX XXXX 5 times over a period of 80 days. This was in no way connected to my right to receive my annual free copy of my Experian Credit report. 
Thank you for your time and attention paid in dealing this matter. I will look forward your response. Thank-you, XXXX XXXX XXXX
Again, since XX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XX/XX/XXXX. I even filed a complaint in XX/XX/XXXX with CFPB. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status regarding EXPERIAN : XXXX XXXX Acct No. XXXX. In XX/XX/XXXX, I contacted XXXX XXXX directly to obtain a clear title of my car which was paid in full in XX/XX/XXXX. At that time, XXXX XXXX XXXX did not make aware of any outstanding debt nor did XXXX XXXX advised of any late payment ( s )! I received the clear title in XX/XX/XXXX. The 60 months term commenced in XX/XX/XXXX and terms ended in XX/XX/XXXX. To date, I still have not heard from EXPERIAN of my dispute allegedly reported from XXXX XXXX XXXX. 

However the only response from EXPERIAN via CFPB : Asking me to deal with EXPERIAN directly and not through CFPB. Experian will verify the accuracy of the item and inform Experian of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. To date, still no response from Experian.
Car XXXX XXXX/XXXX/16 in which the other driver was at fault. Toyota Financial Services representatives ( more than XXXX reps ) and also in writing ( several ) stated to the driver at fault 's insurance company, XXXX, a payoff amount that was incorrect. The amount was incorrect by {$500.00}. Toyota Financial Services representative, XXXX XXXX, promised on XXXX/XXXX/16 to issue the {$500.00} to my husband and I. XXXX XXXX does not return calls and when I can actually speak with him, he promises to call back to let me know the status and as of today I have still not received the {$500.00}. He has not returned my recent calls and I believe he has pocketed this money for himself.
I have had this loan for 18 years which first was {$2000.00} student loan it is now XXXX Navient traps you into a loan that is unpayable. The daily interest is charged to this loan i have tried to convert this into a fixed rate which they do not do. I need help understanding why i owe XXXX XXXX my loan in interest.
The credit bureau has inaccurately placed liens on my report that have been paid. The state has confirmed with me that they do not report to the credit bureau and that the credit bureau is placing the information on my report without verification from them.
I took out a lease with GM Financial and paid the lease off in full by refinancing. I received a notice that my payments were not made. I contacted GM and they finally corrected their mistake but they had already reported this to the credit agencies. GM advised they would have this removed from all of my credit reports. They sent me a letter dated XX/XX/2016 that all the credit bureaus had been notified. 
Today I received a notification from XXXX indicating I was late in my payments to GM. XXXX has corrected this and I have not received the recent report from XXXX to see if they have corrected it. 
Despite repeated efforts on my part GM ignored the fact their lease had been paid and continued to notify the credit bureaus I was not paying my lease. 
Please take action against GM
XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, XXXX Ditech Financial LLC Previous Account # XXXX ( XXXX/Green Tree ) Previous Account # XXXX ( Green Tree ) Current Account # XXXX ( Ditech ) This letter is in response to your letter dated XXXX XXXX, XXXX. 

We have made SIXTEEN (!! ) different calls to Ditech Customer service regarding our situation and NO ONE has yet to resolve our issue. Based on the letter we received, NO ONE seems to understand the issue. There is NO problem with the current mortgage # XXXX ; our issue is with the DISCHARGE OF ACCOUNT # XXXX. 

So here we go again!!. 

Exhibit # 1 : Our original mortgage was with XXXX Mortgage in XXXX. This mortgage was assigned to XXXX XXXX XXXX in XXXX ( account # XXXX ). In XXXX XXXX, the mortgage was assigned to Green Tree as evidenced in exhibit # 1 attached. 

Exhibit # 2 : In XXXX XXXX, we remortgaged with Green Tree. At the time of the remortgage, a discharge was completed. However, Green Tree was not discharged from the mortgage, XXXX XXXX XXXX was discharged. This is evidenced in Exhibit # 2. THIS IS THE PROBLEM. At the time of the discharge, XXXX XXXX XXXX did not hold the mortgage, Green tree did. 

Exhibit # 3 On XXXX XXXX, XXXX, we were contacted by the attorney 's office who is handling our current refinance. A copy of the email is attached. At that time, we contacted Ditech, our first phone call. We were told to provide a copy of the email ( which is exhibit # XXXX ) from the attorney. We did this on XXXX XXXX. At the same time, we were provided with a secure link in an email. We uploaded the email ( exhibit # XXXX ) and the assignment, Exhibit # XXXX. 
This attorney 's office conducted a title search and discovered the issue with the discharge being incorrect. 

Exhibit # XXXX Copy of the fax sheet sent to XXXX regarding what needed to be corrected provided on XXXX XXXX, XXXX.
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Browse -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This makes it virtually impossible to send anything to them as they refuse to confirm unemployment status with the state unemployment office. I have docs to send but every time I try, it says that the doc exceeds 5 MB which is too small of a restriction or that it is not in one of the 5 types above. Except for PDF, who uses those others for docs? And I can not convert what I have into PDF. They could choose to accept WORD docs but they don't want people to have that ease. This is intended purely to make getting a deferment more difficult and impeded. In addition, I already sent what they want as an attachment in a regular email, which they now claim they do not have. Plus how many poor and unemployed people really have a fax?
On XX/XX/XXXX PHH mortgage issued an escrow account analysis which indicated that the escrow account for my mortgage had a surplus, as defined under 12 CFR 1024.17. The escrow account analysis also indicated that payment of the surplus would be refunded directly to me rather than credited against future escrow payments. The escrow account analysis stated that a check for the amount of the escrow surplus would be mailed within 20 business days. As of today, XX/XX/XXXX, I have not received a refund of the escrow surplus. On XX/XX/XXXX I spoke with a customer service representative of PHH mortgage and informed them that I had not received the escrow surplus refund. The gentlemen I spoke with immediately informed me, without appearing to conduct any investigation into my specific situation, that a check would be issued and mailed to me that week.
We had a Wells Fargo Business account. They called to inform us that there was fraud with our account. We lost access to our original account and they would n't inform us what kind of fraud or prove that there was fraud in our account. We had to open a new account. Our business checking accounts were linked to Medicare & Medicaid, which is a process to link our accounts to.
The following address is not mine : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
I lost my job so i went on a extended payment plan and i made the first payment. I had to close my bank account because i could not afford the bank fees. I told them at time of extended payment plan that i had lost my job. A week later i informed them i had to close my bank account but i wanted to pay my payment before due date. they have refused payment, my second payment is due XXXX, 2018. i do not want to be in default as i am trying to pay them, California Check Cashing XXXX XXXX XXXX XXXX, Ca
This agency h as 1 : R eported a balance as in " collections '' which was paid to  XXXX   XXXX  before I had any contact from th em. 2 :  Failed or refused to report to credit agencies that this amount was paid in full on  XXXX / XXXX / 17 .  3 :  Provided a letter falsely stating that they received payment from me, on  XXXX / XXXX / 17 . No payment was made to them . 4 :  Stated that they do not have, or will not provide any evidence that the debt was ever assigned to them in a recorded call on  XXXX / XXXX / 17 .
I have sent correspondence to the original creditor Citibank multiple times, a 3rd party collection agency and now this company XXXX XXXX XXXX. I have requested that they send me something bearing my signature on it showing I have contracted with them and owe them something. They have sent me statements, not any documents with my signature on it. I received a letter from XXXX XXXX XXXX stating they expect this matter to be resolved by XX/XX/2019 and the letter is dated for XX/XX/2019. The expected resolution date is unacceptable as this is hindering me from obtaining credit and being asked to pay something without viable verification. XX/XX/XXXX is way beyond the 30 day period as that is required by the FCRA. I am also requesting that they do not send me statements!
I am writing about an issue that I faced with bank of America account. Thsi happened on XXXX XXXX, 2017. I was being scamed for XXXX dollars. I met someone on facebook who was interested in renting my apartment. So for an initial advance for {$200.00} dollars i gave them my account number. Next, i heard that she transferred me XXXX instead of XXXX and wanted her money back. I transferred her the money back as i thought that is the most ethical thing to do ( I agree that this was my fault ). Next she told me that the money I transferred bounced back and when i checked my BoFa account and yes the money was returned to me as a credit adjustement. Therefore she asked me to transfer again and i did. Next day on XX/XX/XXXX, I checked my account and there are no sign of themoney that she initially transferred. She obviously pulled it back and i knew i lost XXXX dollars. My problem started when I asked the BoFa customer personnel about the credit adjustment that I was seeing in my account which in the first place made me transfer an extra XXXX dollars to that first. Bofa customer person told me that it is from a claim that i initiated for a ATM deposit. I told them I never initiatedany such claim. So we tried to tarck who initially filed that claim. We came to know that someone impersonated me and called BoFa and filed that claim. This is a clear case of identity theft and fraud. But bank of america is not considering this as a fruad and not takinh any action to get me atleast the {$2000.00} that i only paid because i saw that credit in my account. After some more digging, I came to know that some one ( a male ) called bank of america ( though I am a female and solely hold the account ). The person was able to identify himself as me by giving my account number ( i gave for initial transfer ) and date of birth ( from my XXXX profile ). He failed multiple time to identify himself on the type of account, last deposit as well as the CVV number ( because he never had that info ). BoFa should have stopped him there and atleast had called on the cell number associated with the account to confirm the activity. They never called me but the customer agen XXXX XXXX escalated the case to her manager XXXX XXXX and she gave him what he wanted. I feel Bofa was very negligent while dealing this case and now they are not even accepting the fact that it was there mistake.
XXXX XXXX refused to deliver {$2000.00} funds as promised sent to a person in XXXX XXXX. Reason is that I did not meet the person face to face and I could lose my money. I informed XXXX XXXX that I may be considered a XXXX holding XXXX XXXX degrees and a XXXX XXXX, was an investment banker at XXXX XXXX and company and the dollar amount was no a significant value for me financially. XXXX XXXX has elevated itself to the level of accepting money on the promise to deliver it to the designated recipient but decide whether it will fulfill it 's contract or not based on some undocumented concern for fraud. The failue to deliver the money as promised caused great harm to the waiting recipient. With the company pretense of preventing scammers from stealing my money, they are acting in the way of a scammer by promising something for money that they have no intention of delivering on.