WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..I disputed the accounts with the credit bureaus for months but they did not take any steps to remove the accounts..CFPB Please step up and delete the accounts UNKNOWN XXXX, XXXX XXXX, XXXX XXXX XXXX
XXXX XXXX, XXXX Dear Sir or Madam : I would like to request a credit for interest charge of {$300.00} related to a transaction from XXXX/XXXX/XXXX a purchase of a television from Best Buy for {$700.00}. The terms of the line of credit was 24 monts no interest as long as the {$700.00} was paid in full by XXXX/XXXX/XXXX. By my records I made the necessary payments in order to pay for the television in full by XXXX XXXX, however when I saw my XXXX statement I saw the television had a remaining balance of {$18.00}. I had a perfect payment history because I always came into the store on or before the due date to make my payment. I was n't going to be back in town before my XXXX XXXX due date so I made that payment online. Unfortunately I was informed via email in XXXX that my payment did n't go through. At that time I also discovered that {$300.00} of interest had also been applied to my account. I informed the representative that I made the payment online he informed me that occasionally customers have issues with online transactions apologized credited the late charge and I made my payment. When I asked could he credit the interest charge he informed it was past the required time when I could request a credit. This troubled me because as soon as I received an email notification that my account was delinquent I made a effort to correct it, in fact I used my card after I attempted to make the online payment in the store an no one even informed me my payment was never received. Once again I would like to request a credit of the {$300.00} I consider my self a loyal customer of Citi and Best Buy anything that can be done would be greatly appreciated. Thanks in advance.
Recently I went through some financial short comings when I lost my job in XX/XX/XXXX. 
During this very trying time I was current on all my mortgage payments, the balance of the mortgage ended up paid in full on XX/XX/XXXX. After making repeated attempts to clear the derogatory reports that US BANK Mortgage had made to XXXX, XXXX XXXX and XXXX.US BANK MORTGAGE is still reporting false information to this date interferring with my ability to obtain a job, credit and a fair interest rate.
We recently purchased an investment property in XXXX ( GA ) and got a conventional loan from LendUS , LLC ( through XXXX XXXX XXXX  ). We have two complains to the loan company : 1 ) the loan cost was too high, there were clearly duplicating charges, see below : A. origination charge $ 2332.66 % point of loan {$0.00} Doc review fee {$690.00} Origination fees {$780.00} Process fees {$350.00} Underwriting fees {$500.00} 2 ) the loan officer was behind schedule, did not leave us time to question and shop around.
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA,  that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
My hours were reduced at work last year, so I requested a graduated loan repayment option. My job was recently terminated, so I could not afford the graduated payment amounts. The loan holder insists they can not provide me with any other options to reduce my monthly payments, as private loans do n't qualify for the IBR program ( as do federal loans ) ; and they ca n't purchase student loans, so they ca n't refinance or consolidate the loans.
XX/XX/XXXX - Request credit bureau investigation - not my account XX/XX/XXXX - received completed credit bureau investigation report - stating that it does belong to me and if I have questions contact : XXXX XXXX, XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX XX/XX/XXXX - left several messages ( no live representative to speak with ) ... 

This is hurting my credit score and credit worthiness - what do i need to do to get this frivolous account removed from XXXX, XXXX and XXXX credit bureaus!
Everytime I call the company, I can not seem to get a hold of anyone. On the off chance I do, they assure me that automatic payments for my mortgage are scheduled, but I never see the payment get taken out. Then, when I call to follow up, I ca n't get a hold of anyone. Even today, I tried to call them, and their automated system hangs up on me, and I can not seem to get through to anyone who can help me. When I have gotten through to someone before, they tell me they 'll find out what 's going on with the payments not being taken out, and then I never hear back from them.
I make online payments, on time, then find  out ten to twenty  days later that the payment did n't go through. The company then charges me {$140.00} late fee for a monthly due amount {$110.00}. This has happened 3 times in 4 months. They do not send out statements and do not offer them online. I can not verify my amount owed through their records.
I have a man named XXXX calling from Worldwide Recovery stating he has is an attorney trying to hand me a summons at my home because of a criminal case I am named in. He said that a company has hired them to deliver the legal papers to go after me with a sheriff going to be sent to my home. He kept wanting to verify my social, and got very angry when I would not, i told them they have harrased me before, saying a sheriff would be at my house and bring me in if I did not set up an automatic payment with them, in regards to my XXXX XXXX account ( the original creditor ), they said if i did not pay today it would be out of their hands and the sheriff would be coming to my house for their client. He then started to state all my personal information that he could not have unless he pulled up my credit report which he had no authorization to do. I am not scared because I have dealt with them before, and i told him he was misrepresenting himself, he is not a lawyer he is a debt collector and he hung up on me, now I have this new guy XXXX calling and threatening me, I told them specifically do not call me back ever again, and they do every day.
Credit Plus has made 2 inquiries, XX/XX/XXXX and XX/XX/XXXX, these were not authorized.
It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX 
Bankruptcy chapter XXXX was filed on XX/XX/XXXXand Discharged by Federal Judge onXX/XX/XXXX 
Credit reporting agencies are reporting my credit scores at 574 and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
Equifax and XXXX has 26 unauthorize inquiries that needs to be deleted permanently. 
XXXX has only two authorized inquiries and XXXX has deleted all unauthorize inquiries from my credit report.Why Equifax and XXXX are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and XXXX.
I have had a Bank of America Rewards Card since XXXX. I had over a {$3000.00} credit limit on it with a {$0.00} balance. I went to use the card at XXXX XXXX on XXXX XXXX, XXXX and it was declined. I called Bank of America Customer Service and the woman I spoke to ( the call was recorded ) said nothing was wrong with my card and it should not have been declined. I advised her that when I signed on to my online account it should the card in good standing with no balance ( Bank of America has since erased that information from my online account ). I advised the customer service rep I was going to be traveling to XXXX, XXXX and wanted to advise of my travel. The customer service rep said she had noted the travel notice on the card and I would have no further issues using the card. On XXXX XXXX, XXXX I left XXXX, XXXX for XXXX, XXXX. I pulled over to get gas and the card was declined again. Again, I called customer service at Bank of America and the lady noted that se could see that I had spoke to a customer service rep about tis same issue on XXXX XXXX but that the card has been closed! I advised her I never asked for the card to be closed nor did I get notice that it was being closed. I asked to speak with a supervisor and she too said the card was closed sometime in XXXX and that there was nothing they could do. I was not able to use the card at all on my son 's entire XXXX trip.
Hi. Ive told Portfolio Recovery Associates that they are not allowed to contact me by phone. They call multiple times per week, on any day. They also use different telephone numbers so that I dont have a number to give you. Ive told them that they can contact me via the United States Postal Service, but they refuse to do so.
I have being discriminate cause of my not knowing to much on identity fraud so when i report it stolen no one care to help me. I have being acuse for things i didnt do an was denied of my benefits. I will like an investigation on all my financial an all records from all banks an have my righst givin back as well my morals an my integrity. Or i will star filling a federal courf law investigation
I am writing to report a debt collection agency called Persolve LLC. They are located in California and their address is XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is XXXX. 
They committed a fraudulent act that needs to be investigated and resolved immediately. On the first week of XXXX XXXX, I received a notice of levy under writ of execution in the amount of {$13000.00} from XXXX XXXX XXXX who I was banking with. The notice had the name of the agency collecting the debt, Persolve LLC vs my name. This caught me by surprise because this was the first time I received anything regarding this company collecting this debt. Immediately I went to the bank to see if this was even real and tried to withdraw my funds and discovered the bank had placed a hold on my account. In fact I even went to the police department to try to report the collection agency as fraudulent and they asked me to contact either the agency or the court. 
I called Persolve LLC and spoke with XXXX XXXX who was apparently assigned to my case. He told me this was related to a credit card debt that I didnt even have and tried to convince me that I owed the money. In fact, he tried to ask me for additional payment even after the levy was in progress. Next I called the courthouse in XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX, XXXX, CA XXXX ) that was handling my case and they told me I was served. After I asked them when and where, they told me they sent the summons at an old address that I lived XXXX years ago so I never received any mail related to this case. Therefore, I never got a chance to dispute the case and the agency stole the money right out of my account. 
This incident created a great amount of stress and anxiety and distrust in the judicial system and even the banking system. The agency consistently kept calling me for a few months after they stole my money. I wanted to pursue a lawsuit against the agency to get my money back but I did not have the funds to retain an attorney to fight my case. I am seeking your assistance to investigate Persolve LLC to ensure this doesnt happen to another citizen.
I graduated from college in XX/XX/XXXX. Yesterday ( XX/XX/XXXX nearly 5 yearsafter graduation ) I received a letter from XXXX XXXX XXXX regarding aprivate loan. When I called XXXX they informed me that I had a loan with Chase inthe amount of {$5400.00} at a 8.750 % interest rate. XXXX informed me that Chasewas no longer servicing this loan but they were. I informed them that for the past 5years I have NEVER received any type of letter or bill from Chase regarding anystudent loan! They have failed to provide me with the proper paper work regardingthis student loan ( of which they currently have on file considering XXXX knows myaddress ) and also failed to inform me that they were no longer servicing my loanbut that a different lender would be! XXXX also informed me that my father ( XXXX ) who I have n't spoken to in at least 3 years has been paying this bill. Iwant to know why no documentation was ever sent or forwarded to my homeaddress regarding this loan until now? I find this to be unprofessional andunacceptable. I could 've defaulted on this student loan because of their inability toprovide me with proper documentation! I requested from the XXXX representativethat the original promissory note be forwarded to my home address regarding thisloan immediately! This is unacceptable!
I am pre-approved with my lender. When inquiring about a new home builds ... the agent stated that i should try to use one of the " Preferred Lenders ''. For more closing cost being covered by the builder. Which struck me as a little strange so i starting asking questions. The policy of XXXX XXXX - XXXX XXXX Texas is as follows ... ..when ever an agent gets a lead from a builder open house or their XXXX lead department they are required to have them use a preferred lender or they agents are penalized in their commissions. Unless they get a letter of denial from that " Preferred Lender ''. I was also told that the " Preferred Lenders '' pay a DESK FEE ( about {$7000.00} per person ) ; yet i only saw one with a desk. That each lender gets a specific rotating week where all leads are given to that lender during their specific week. I found this a bit conflict of interest ( at least in my eyes ) and it seemed a bit of being forced to use a lender i never heard about before. Not sure if this is against any banking laws ... but thought i should report it any way.
The issue is with the Credit international Corporation in XXXX Washington. They refuse to provide documentation of a matter that has been closed with their agency. This lackof documentation is preventing me the opportunity to get my MLO. This is unacceptable and this is a common problem with many collection agencies. They fail to inform they fail to send out notices of judgments and liens.
Equifax is reporting someone else 's name on my credit report. Has contacting Equifax for over a year. Have not received a response and information is not updated.
have a personal loan with TD Bank terms are five yrs I can not get a print out of my payments have extreme difficulty when I request it told since it is an automatic deduction each month there is no print out for me to see. Absurd I willnot go paperless there is enough identity theft as is.
XXXX XXXX, debit card number XXXX, XXXX, the entire time I have had this account, I have experienced some problem. I asked for an internal investigation concerning XXXX, my insurance company. They were debiting my account premature the scheduled date. After XXXX messed up my account, the bank added fees and I could not recover this mess up. 

Then I received a letter from a company called XXXX XXXX out of XXXX, WA XXXX Stating they were the collection agency, account # XXXX, XXXX Account # XXXX, I contacted the BBB to see if they were legit, and no information was found. Please I feel this incident was a diversion to gain access to my bank account. I notices may time from the library, where the computer was stored, stating my account information was compromised. I would like to thank you in advance for your prompt attention in this matter.
My credit report states that I have an outstanding balance with XXXX. That balance has been paid in full and I have the documentation to support that.
We signed up with XXXX XXXX XXXX XX/XX/XXXX and had an automatic draft to pay for services. We never signed a contract for any length of time with XXXX or XXXX XXXX to provide security monitoring for our home. As a security monitoring service, we understood that the agreement was month-to-month, and that all we would need to do to cancel the service was to contact XXXX and cancel the service. I am a member of the military and received orders to move XX/XX/XXXX. As there were many distractions with the move, it was n't until XXXX XXXX that I called to cancel services. I was told that I would have to cancel with the Home Owners Association, which sounded odd. When I called the Home Owners Association, I was told they had no part of our security monitoring system. I called XXXX back ; they again told me to call the Home Owners Association. I told them I did that and that was n't the case, so they reluctantly said they would cancel service. The following month, XX/XX/XXXX, a payment was drafted, and I called again to figure out why. The representative said to cancel with the home owners association and I told her of the previous exchange. After some coordination on her part, she assured me that service was terminated and that we did not owe anything on our account. She said the account was closed and there was no outstanding balance. Following this conversation, there were no more bank drafts. Then we received a letter from XXXX XXXX on XX/XX/XXXX saying we owed {$260.00}. We called XXXX XXXX between the XX/XX/XXXX-XX/XX/XXXX, and spoke with XXXX XXXX. He looked up our account but it did n't report an outstanding balance, so he told us to disregard that letter because it was probably a mistake. Then on XX/XX/XXXX we received a letter from Valentine & Kebartas for a debt collection in the amount of {$300.00} related to XXXX XXXX. I wrote a letter disputing the debt. We received another letter on XX/XX/XXXX from Valentine & Kabartas notifying us that they are " confirming our payment arrangement '' in the amount of {$300.00}. Within this letter they provided a person to contact, XXXX XXXX, with any questions. I called twice on XX/XX/XXXX and was assured she would call back if I left a message, and still have n't received a call back.
According to the last XXXX BBB claim notices, AVANT was to credit my account over {$400.00} in fees/interest. In the last statement sent to me via email, it is very clear that this was not done. In fact, every time I asked for an audit, " funds '' were incorrectly managed or applied and the amount I owed increased. This happened on several occasions. I have saved all of these emails from AVANT
discover bank closed my account and we agreed through a verbal communication that I would pay {$62.00} a month. The date for this was never confirmed. The person simply stated the first one would be withdrawn from my account on the XXXX of XX/XX/2018. Discover gave you an online website. On this online website it does not list any arrangement or dates and also does not show a payment pending. On XX/XX/XXXX I went to the online site and made a payment of {$50.00} dollars because after waiting over a week for something to post nothing had posted to my bank account. I also called Discover and told them I did not see anything posted and the payment where not showing online. they informed me they don't show this information on line and they don't send out letters but said the agreed about was {$62.00} and it was coming out on the XXXX of each month. I informed discover on XX/XX/XXXX that I was not comfortable having an agreement where I had no written information on what the agreement was and one where payments would not show up any where and I would receive no statement about the debt or amount owed. Discover stated they would try to mail out a letter on the XX/XX/XXXX and that the payment of {$50.00} would be reversed since they already processed a payment of {$62.00}. Neither of these happened. The payment of {$50.00} went through and on XX/XX/XXXX XXXX received an email that the payment of {$62.00} did not go through. At this point I was confused how almost a month later Discover is just now processing the payment. I went onto their website and scheduled a call for Friday XX/XX/XXXX at XXXX EST. did not receive a call till Saturday XX/XX/XXXX at XXXX in the morning. Nothing was resolved. Stated again I wanted a letter talking about the arrangement was told one would be emailed to me that day. Nothing has been received. Scheduled another call for Monday XX/XX/XXXX at XXXX. Received a call on XX/XX/XXXX at XXXX. Spent majority of the call on hold and explaining to them that after getting my scheduled call 30 minutes later I did not have a lot of time to talk. Although they seemed to just want to update information. Asked again for a letter to be sent out on the arrangement this time via mail. Was told I already requested a letter. Discover bank is making it impossible to work with them and refusing to send out information related to the terms of a payment arrangement of the debt. they give you an online system but nothing can be honored on that system. At this point Discover can pull whatever amount they want at any time and I have nothing to back this. They are not answering when calls are scheduling and when you do speak to them on the phone they lie to get you off the phone and do not do what they stated they will. this hostile attitude is making it difficult for me to trust the issue will not become a larger one. due to multiple lies already done.
This company ( Portfolio Recovery Associates, LLC ) which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However the business failed to provide adequate proof. Considering this business does not have a binding signed contract with me for goods or services that they have provided. Therefore I am not obligated to pay the alleged debt.
This company AD Astra Recovery .The amount should be zero.It was paid off .But they did not take off my credit. And stay they sold to there company And other is a fault. I never use the company and do n't on came on my credit score. An d you see that they has same number  XXXX   XXXX   XXXX   XXXX   XXXX  account number  XXXX  and  other a ccount number is  XXXX  .And they have been try to same account number but change the number.This have been going on for over ten years or more
Amazon Store Card Statements are Deceptive. Phone Agents refused to explain my statements and hung up on me on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. I have overpaid by {$23.00}. See details, below : Purchases in $ : XXXX XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX. Total Purchases of {$460.00}. 
2015 Payments and credits in $ : XXXX, XXXX ; XXXX XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX ; XXXX XXXX. Total payments {$490.00}. Over Payment of {$23.00}