WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. An identity thief used my personal information without my permission to open accounts and make purchases with Chase credit card. This debt is not mine. I did not authorized anyone use my personal identification information opening fraudulent accounts.
I was living in a apartment complex XXXX in XXXX XXXX XX/XX/XXXX/XX/XX/XXXX. I have never been delinquent on rent. I gained what i feel was a great relationship with the management team and worked very closely to a worker by the name of XXXX. Due to my mother having XXXX XXXX and becoming sickly I ended up having to move back to XXXX in a emergency. I spoke to XXXX and a few others that worked there about my personal information whereas an agreement came about to me being able to leave a bit earlier due to my situation. They informed me that the best they can do was for me to write a letter giving my 30 day notice so they can put the apartment back on the market preventing them from losing revenue and I can leave after the 30th day. In between time I was not aware that new management was taking over. Workers changed etc. When I spoke to the new workers they made it seem like everything was okay. I am trying very hard to fight what is right. If you look at my rental history I have never owed anyone and not pay them. Even if you look into my credit history if I came to a bump in the road I paid it up. It is not fair to me to be informed certain information in agreement and understanding especially when they see I pay my rent which was the reason why they even allowed me to leave because I have done good by them. Now they are saying I owe XXXX dollars for an apartment that cost XXXX a month. I left in XX/XX/XXXX and my lease was up in XX/XX/XXXX. This is incorrect, very incorrect and I have no idea where these numbers are coming from. I feel like I am being scammed and the credit bureaus wont do a thorough investigation. They need to contact management who was there when I resided there in hopes that they remember my case to assist me with these fraudulent charges. I work very hard for my money and would take them to court before I let someone be so immoral just to take money from me that i rightfully do n't owe. I do n't mind paying any debt I have back as you can see. Please assist me with this situation. I also have witnesses from other tenants who lived by and knew my situations and the outcome of how they helped me. I am not sure if it was against their policy but because I gained such a good relationship with them, they worked with me. 

XXXX and XXXX has assisted with my complaint and concluded the account as being closed or Paid, but XXXX wont take the necessary steps to see that I am correct. 

Please Help!!
Since at least XXXX of 2017, I have been unable to initiate an online dispute with Experian. I do not have the same problem with XXXX or XXXX. I am able to answer my soft-pull identity verification questions with ease. 

I thought that the issue was perhaps that I did not have a very recent copy of my credit report from Experian. On XXXX XXXX, I attempted to request my free annual report thru the online service. I received an error that I would have to initiate the request manually. I received my credit report by mail, and now on XXXX XXXX, I still can not initiate a dispute online. 

I tried contacting Experian by phone. The representative was unhelpful. There is no technical support team to help. Nor is there any other source of information to fix my issue. I even asked for the name of the executive office with which to write correspondence to get to the bottom of this. The representative provided a PO Box for general credit inquiries, completely ignoring my need for higher level assistance. 

I suspect that Experian has blacklisted me from using the online service to initiate disputes. I do not know for what reason, and without correspondence from them regarding the nature of the blacklist, I 'm unable to rectify the problem.
XXXX XXXX combined unpaid medical bills of my spouse ( separated, but not legally ), with my information, changed attorneys without proper notification, the new attorney received a judgement against me, garnished my check, and placed it on my credit report. Initially we countersued based on misinformation however we did not hear anything until the attorney change in which swift action and judgement had already occured. When we submitted a motion to the judge it was denied even though the information was not correct. Now I have a judgement and have paid the debt for bills that were not mine.
I received several calls yesterday from XXXX XXXX at ARA. Phone number XXXX. Case number XXXX XXXX. She left a message on my cell phone and repeatedly called my work number. I can not take personal calls on company time. It is not allowed. When I called this morning, she would not give me information regarding this debt. She said it was going to litigation and I was going to be served legal papers. She said she was a Process Server for the county ... but did not mention which county. The little bit of information I did receive was vague. She mentioned a bank account which I have not had for several years. She also mentioned a hospital bill and a towing bill, all of which have been paid. She said she mailed documentation to me and the 30 days in which I had to respond are over. I asked her to send me the information to me again and she said she could n't. The only thing I could do today was pay {$710.00} to cease and desist. I would n't give her any banking information. She suggested I get a pre-paid credit card to pay the amount. I called back and spoke with XXXX and told her I did n't receive any information and was disputing the debt. They would not work with me at all. I either paid {$710.00} TODAY or I would be called into court. They are supposed to be sending information to me in the next week to 10 days and I have to be home to receive a summons.
My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ XXXX and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.
I received a deposit for startup ( XXXXk ), to my BofA business account, used the funds accordingly, every transaction is accounted for, 5 days later my account was closed at banks discretion, no explanation, other than due to depository guidelines
On XX/XX/XXXX, I contacted BB & T credit card dispute agent. A debit appeared on my Credit card ( XXXX ) for {$15.00}. The vendor ID showed XXXX XXXX XXXX . the reference # : XXXX and transaction date of XX/XX/XXXX. 

The dispute agent to whom I spoke said that a letter would go out to the merchant I received a letter of acknowledgement from the Charge Back Services Department of BB & T on XX/XX/XXXX. The letter stated that an investigation would be conducted. The claim number for the dispute is XXXX. 

On XX/XX/XXXX a second letter was received from the chargeback services department of BB & T. The letter stated that a provisional credit had been issued.The letter advised that if future charges were made by this merchant ; I should contact the Department within 60 days. 
On XXXX XXXX another debit was made to my C.C. account. I called the XXXX XXXX Department and advised the agent that a 2nd charge from the vendor XXXX had been made.The agent said I would have to close my credit card account and open a new credit card account in order for the vendor to be blocked. I replied that closing and reopening a new credit card account was not acceptable. I asked for the telephone number of the vendor so I could contact them to dispute the debit transaction. The agent said that they did not have a telephone number for the vendor ( XXXX ) .I expressed surprise and alarm that a telephone number could not be found. The agent then advised that they could not help me. I demanded to speak to his supervisor. I was put on hold for 9 minutes. The agent returned to line to say there were no supervisors available. I advised that having no supervisor available was not acceptable. The agent advised me that he would try again to find a supervisor. I was put on hold again. 
The supervisor came on line and identified herself as XXXX. I asked her if the vendor had been contacted. She answered that the vendor had not been contacted. She explained further that the XXXX XXXX Department agents were not allowed to contact the vendors.I questioned why there was the change in XXXX policy to NOT require the vendors to provide a contact telephone number. XXXX told me that " Audible '' was a 'Subscription ' vendor and they were not required by XXXX to provide a contact telephone number.. 
I was shocked and alarmed to hear this change of policy and stated that this change made the bank punish the victims of fraud by requiring them to close their credit card account and reopen a new account while the offenders of " slamming '' ( charging customer accounts a recurring charge without their consent ), were protected. 
XXXX agreed that that was the current relationship between BB & T and XXXX. 
I requested a contact name or number for Corporate Headquarters of BB & T. XXXX provided me with an agent who secured the address of corporate headquarters for BB & T. 
So my complaint is lodged against XXXX for the changes they made in contact policy with 'Subscription '' vendors. This new policy is clearly anti-consumer.
On XX/XX/2016, I contacted XXXX XXXX with Commonwealth regarding a medical bill from a car accident that is still in litigation. I provided my attorney contact information and the Insurance contact for the Responsible Party. XXXX XXXX was rude and unprofessional threatening me with bad credit if i did not pay debt that i am not responsible for. XX/XX/2016 I reviewed my credit report the debt has been reported inaccurately. 
I spoke with XXXX XXXX XX/XX/2016 again to only be disrespected, threatened and lied to regarding my account. He also stated he did not report my account to the Bureau. I am in the process of purchasing a home and this has placed me in a very difficult financial position.
XXXX   XXXX   2017   Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   XXXX   XXXX  IA    XXXX  RE :  Complaint Against   XXXX   XXXX   To Whom It  May Conc ern : I have requested from the creditor   XXXX   XXXX   and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased a sofa with  ottoman f rom  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ) Not only did I pay off the balance in full, I paid it off in 60 days instead o f 90. I a lso have a Certificate of Ownership from   XXXX   XXXX   that certifies that I own the sofa and ottoman outright.     From the beginning, it appears that   XXXX   XXXX   assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  ( Please  see uploaded documentation from my   XXXX   credit report ). The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for the sofa & ottoman. I put down over {$200.00} plus taxes and delivery. I paid the initial, monthly rental payment almost 2 months prior to the   XX/XX/XXXX  due date then the remaining balance of a little more than {$400.00} on  XX/XX/XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XX/XX/XXXX .      I demand that   XXXX   XXXX   report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and  credit score when it appears that I went out and applied for {$2100.00} in credit when in   fact, it was only {$710.00} and 90 days same as cash.     Thank you.
To whom it may concern, Commenity Bank has made numerous phone calls to my cell phone using an 'unavailable ' phone number trying to retrieve payment. I have answered a few of said phone calls however, when I do, I usually get no response on the other end. This evening around XXXX XXXX EST on XXXX/XXXX/2017 I  was unavailable and a friend of mine answered the phone for me as instructed. She said " hello '' and the person on the other end who named himself as XXXX advised where he was calling from and for what reason without verifying my identity first. Obviously, said person who answered my phone was not me. In trying to ask why he is telling her all of this information he then tried to tell her she was not on a recorded line and that the phone number showing up on my phone that he is calling from was not listed on the Caller ID as unavailable. Unfortunately for them, it absolutely was. Also, he never stated he was on recorded line and he also tried to advise that they do not abide by the FDCPA. <P/>I would love some clarity on this issue as I am pretty positive that you can not disclose a debt to just anyone unless they verify some type of personal information such as SSN or DOB at the very least.
I applied for a loan modification thru my attorneys office. We provided the bank with all required paperwork. The denied the request because they had set a sale date and the package we submitted was XXXX % complete and we were missing just one document. I have acted in good faith with Caliber Home Loan ; and then continue to delay and refuse to postpone the sale date so that my modification application can be reviewed properly with my attorney.
On or about  XXXX   XXXX ,  2017 , I visited the Experian website to view my credit report. I thought I was entitled t o one free c redit report a year. On  XXXX   XXXX ,    2017, I noticed that Experian charged my Visa card for {$21.00}. I contacted Experian and  was told I entered into a contract for credit monitoring services, and I would be charged {$21.00} each month. I cancelled the contract immediately. The representative said I would receive a refund for the {$21.00}. I waited until  XXXX   XXXX ,    2017,  and contacted Experian a second time to ask about my refund. This time I was told that I would not receive a refund. Furthermore, there was no record that the representative promised a refund in our  XXXX   XXXX ,    2017  phone call. There is no way I entered into a contract with Experian on  XXXX   XXXX ,  2017 . I could not cancel a contract within 7 days if I was not aware that I had a contract. The Experian website is fraudulently charging for a service it does not provide. I received nothing from Experian notifying me of a contract. I encourage everyone to avoid the Experian website.
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS AND TAX LIEN APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX Account # XXXX
To whom it may concern : I have been trying to save my home and to get approved for loan modification since XX/XX/XXXX. Originally I was dealing with Nationstar mortgage ( servicer ) who approved me for HAMP with a payment of {$2400.00} Payment for a trial period on XX/XX/XXXX. They then did not honor this approval. I have had a HAMP underwriter review my application, income etc, and was told that I should be approved. I also dealt with HAMP Admin when HAMP was still available. I have been getting the runaround since. Applied multiple times after being told by Nationstar and Mr. Cooper that they were willing to work with me and based on the income, that I should receive a modification. After numerous attempts of failed communication, false promises, and Servicer delays, I was forced to file bankruptcy in XX/XX/XXXX. 

While in bankruptcy court, the current lender Mr. Cooper 's attorney and a representative from Mr. Cooper spoke to me and told me that Mr. Cooper will be willing to work with me on loan modification once again. I since went to court had asked the judge to cancel the bankruptcy after I had already met with trustee and creditors and planned on moving forward with the bankruptcy, due to Mr. Cooper representative and their attorney stating that they would work with me. Once they the bankruptcy court canceled my bankruptcy, Mr. Cooper changed their position and stated that they will not even look at a modification application on multiple occasions. 

Their attorney only extends the sale for 30 days each time which causes Mr. Cooper to continually deny accepting my packages saying they do not have enough time to review the loan modification package. 

I, my wife, and my son are all now working and can afford to pay a reasonable payment, however, Mr. Cooper refuses to honor what they have stated. I am at my wit 's end and do not know what else to do to. I do not want my wife and I and my XXXX children to lose our home. We greatly appreciate all your help!
I was denied credit by Capital One that prevented me from getting the {$150.00} sign on bonus. They gave me a bogus reason " Length of credit history from XXXX  ''. My credit history is more than 10 years and I have excellent credit. I think I was denied credit because I always pay on time and they're not gon na make any money off me. I should be rewarded for my excellent credit, not punished. This is unfair and not right.
XX/XX/XXXX I pulled my credit through my credit monitoring service. XXXX was showing a collection from XXXX XXXX XXXX. for the amount of {$1900.00} Account # XXXXwas placed in collections XX/XX/XXXX. 

However this is not my account My Father and I had the same first and last name and he passed away around this time. I had sent certified letter XX/XX/XXXX to the debt collector. 

They removed from my credit report XXXX also did investigation and has also made the decision to remove from my credit report as well. 

XX/XX/XXXX I received yet another letter from XXXX regarding this account. 
they also changed the name of the original creditor and original account number. To allow for a ( reinsertion of invalid debt onto my credit report ) the System automation will believe its new. 

I dug up everything from back in XX/XX/XXXX. I just now called the original creditor they are also called XXXX XXXX. I spoke to them I gave them my social my date of birth they can not find me. I do not owe them money.. I also called XXXX XXXX and XXXX XXXX XXXX they can not find me and they have also stated they could not speak to me due to a HIPAA violation they have a XXXX but its not me. attached you will see my original certified letter receipt. the old XXXX collection. links to show XXXX XXXX XXXX and XXXX   are in fact the same hospital. 


I understand mistakes can be made., XXXX forewarned is forearmed You need to remove this from my credit report Immediately this is not my collection. I take pride in my credit score and I am closing on a house in 45 days if This prevents me from cosigning on my house. I will take this to federal court not small claims. Because you are now very aware. Due to my attachments. 

I am not paying anyone to help me. there isnt a debt company I understand you get alot of that it is only me,. I am very familiar about the laws. You also know from past collections that I have written to you explaining my fathers death on a few other occasions. I am asking nicely as a " courtesy from you to remove this promptly before This goes any further.

I woke up one morning and saw my score dropped 85 points due to this  inaccurate reporting you never contacted me I was not notified. this breaks soo many laws in so many ways its not even cool. 
I have also forwarded this to the original creditor XXXX XXXX on intial report from XX/XX/XXXX Thank you, XXXX XXXX
Mother used my credit for multiple things thats I did not approve and I can not get someone to take them off.
Trans Union has ignored my XXXX mailed disputes of fraudulent information on my credit report, when I complained here they responded with a non answer to my complaint and said I have not tried to dispute the fraud, They claim to have sent my credit report to my last reported address, I believe they sent it to the fraudulent address that recently appeared on my credit report. I have lived at the same address for 33 years. 
I have tried to use the phone numbers listed on their web site and the one given in the non response to my earlier complaint, when anyone will answer besides a very unhelpful robot they reach barely understandable people who apparently are trained to not help victims of fraudulent credit reporting. 
I have tried to use the web site but many years ago when I had a dial-up isp I set a secret question that asked my favorite car, that was many years ago I do not remember what I answered. I do remember trying to use the question what is your mothers middle name and being told the answer is not a word because it is only XXXX letters. I have tried to get them to reset this with only silence for a answer
I have filed complaints with Equifax three times and provided them with several documents that I received DIRECTLY from XXXX XXXX stating that I was not delinquent on my XXXX/XXXX/13 mortgage payment. .Equifax is ignoring the request to remove this frivolous and inaccurate information.
Selene Finance is not giving me my original promissory note signed XXXX XXXX, when requested in XXXX way over XXXX days recommended per request. I also been calling and requesting a XXXX number because my mortgage is a security agreement and i need the number to file a XXXX and XXXX XXXX, along with a XXXX form.
I co-signed a credit card for my daughter who defaulted and never attempted to make payments. The debt has been transferred from collector to collector for the last 6 years. The last communication from the last known collector that I am aware of was 7 months ago by XXXX XXXX XXXX. Today I get a message from my son that my ex husband received a phone call from ARS Collections by someone claiming to be a lawyer XXXX XXXX XXXX in NY that demanded my phone number. I have been divorced since 2009 and have no communication with my ex. I have not received any communication from this ARS company. Nothing in writing, but they contacted my ex. The last collector company had my address & phone number. This ARS company obviously uses questionable tactics. My phone is on the " do not call '' list.
I received a Notice of Default and Notice of Intent to Foreclose via USPS from ( SLS ) on Thursday, XX/XX/XXXX. I have questions and concerns about the actions that are being taken concerning my mortgage. I was not aware that a Servicer ( SLS ) can foreclose on your home if you have applied for a modification, and I havent heard or received anything in the mail on the status of the modification. Can you please clarify this matter for me?
Let it be noted that on XX/XX/XXXX I applied for another loan modification due to me not getting the other papers notarized in a timely manner which was a result of me being out of town at the hospital ( XXXX ) with my daughter. In your letter that was sent to me, it stated that if missed the deadline to reapply, and thats exactly what I did. So, I sent in another complete application with a letter attached explaining why I was reapplying, and I listed that I included two recent bank statements, a recent pay stub, and the XXXX in the packet all of which had the loan number on each of the documents and these were the same exact items that I had to submit before.