WillisBack/dataset-financial-user-claim huggingface dataset:
Today, the morning of XXXX XXXX, XXXX I received a credit monitoring alert via Experian that a new collection has now hit my credit file. Upon reviewing this incident, I noticed that this is yet again another account that was apparently fraudulently opened in my name sometime in XX/XX/XXXX. The creditor is XXXX XXXX XXXX to which I have never had any type of account with them. I have been a XXXX customer since XX/XX/XXXX, had only XXXX number throughout the past decade. It is my intent to contact XXXX XXXX XXXX tomorrow morning, XXXX XXXX, when their Fraud department is in the office and also dispute this directly with them accordingly. The following information is what is currently reporting on my credit file : XXXX Original Creditor : XXXX XXXX XXXX XXXX ACCT : XXXX Open Date : XXXX XXXX, XXXX Balance : {$6500.00} I am also concerned that this account is reporting a different name/ address and any contact info other than my own. The only name that should be reporting on my credit file is : XXXX XXXX XXXX or maybe some an abbreviation of my middle name to XXXX. 

**Also, upon now reviewing a recent file # ( XXXX ) to look up this information online more accurately, it does appear that the name and address associated with this account is indeed not mine. Please dispute this information as FRAUD accordingly and have it removed as quickly as possible according to the FCRA. Thank you kindly for all of your help up to this point. I can honestly say that in my dealings with Experian over the past few months, I am certainly appreciative and humbled by your expedited help and professionalism you have exhibited to me through out this horrible ordeal. Thank you kindly and I look forward to this being resolved as well. 

XXXX XXXX XXXX
Had home mortgage through US Bank. Wife got injured on job in XX/XX/2014, could n't make house payments. Tried selling house since then. Found job in another state and had to up and move for better job. Have been trying to do short sale since XX/XX/2014, with US Bank giving us the run around ( never calling us, never telling us the short sale expired ) and this has been going on from XX/XX/2014 to now. We 've actually had to let buyers go several times because US Bank has been dragging their feet on the short sale. As a matter of fact, we now have an offer again on the house but our realtor ca n't do anything because US Bank is saying once again that our application has expired so we are in the process of starting over again.
All of my personal identification have been stolen. Drivers license, social security card, birth certificate. All of my personal information have been changed with XXXX. A seven year fraud alert have been placed on my report. I 've spelled my name as XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX is my maiden name. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest child name is XXXX. XXXX XXXX XXXX XXXX His birthday isXX/XX/XXXX. My youngest child name is XXXX XXXX XXXX XXXX birthday is XX/XX/XXXX. He was born at XXXX XXXX in XXXX XXXX. He have a XXXX XXXX & he 's a XXXX XXXX. XXXX have been taken advantage of because of his XXXX, by the XXXX Family & others. The FBI told me to pull my credit report, because it 's an inside job. A monitoring service have been added to my report, to prevent me from pulling my report. I was also told to pull all of my tax returns. Because my date of birth have been changed, my employers have been changed. Social Security have written me a query with all of the EIN numbers of my former employers from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I filed Bankruptcy. The property at XXXX XXXX XXXX XXXX had been refinanced by The XXXX XXXX inXX/XX/XXXX without my knowledge. A series of people was linked to me with U S Bank Mortgage. In XX/XX/XXXX someone reported a fraud XXXX XXXX to IRS. They used The Department of Labor FIN number was used. The property had been turned over to Tennessee Housing Development. The property was sold for {$18000.00}. Yet {$35000.00} was reported to IRS. XXXX XXXX XXXX reported to XXXX I owe for their service. I was no longer in the home. I was forced out of the home. I was n't involved with the selling of the home. XXXX XXXX XXXX and all of her children abused XXXX XXXX XXXX services. My late father social security number is being used. The late XXXX XXXX have been deceased since XXXX. My mother social security number is being used, she has been deceased since XXXX. XXXX XXXX XXXX is my mother 's name. I reported this to XXXX XXXX XXXX years ago. At the time I did n't know my credit report had been tampered with, in the way that it have been.
This is my second complaint to CFPB against PHH. In XXXX XXXX, I filed a complaint against PHH. However, before PHH could respond, XXXX, to which PHH had sold the Property already started eviction actions against me ( XXXX XXXX ). Therefore by the time PHH responded to the CFPB complaint in XXXX XXXX - essentially admitting their errors in fulfilling the agreed TPP - I had filed a civil complaint against both PHH and XXXX to protect my rights against their unlawful foreclosure and eviction actions, respectively. Because I have been proceeding pro se, both PHH and XXXX have continued to drag out this easily discernible injustice by legal maneuverings which I have been inadequately trying to defend. As a result, PHH has been able to skirt the issue of their failure to deal fairly in the execution of the TPP which was in place in XXXX and which, by their own admission, I never violated. My appeal is that CFPB will use a plain and straightforward method of enforcing the applicable regulations with which PHH has refused to comply for these 6 years ( from the onset of the TPP ) to date. 
Specific details, including timelines and pertinent court orders to date are in the attached documents. As of today 's date, my family and I face imminent but unlawful eviction from the Property at XXXX PA XXXX.
I purchased a second home at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, a shore town that required flood insurance for the loan, which I did purchase according to the guidleines sent to me from the lender ( Greentree in XXXX XXXX, NJ XXXX. We settled on XXXX and now they are saying I need to purchase additional flood insurance to cover the replacement value of the existing property. According to what they sent me and the Federal guidelines I only need to have Flood Insurance in the amount to cover the Improvemets minus the land value, which is what I purchased. They are now forcing me to purchase more coverage ( the value of the improvements, with no consideration of the land value ) or they say they will purchase a policy and force me to pay for it, which will be much more expensive that me just increasing coverage. I feel they are pressuing me to purchase something I do not need to make them feel better.
My mortgage company raised my mortgage {$500.00} extra dollars monthly they say my escrow account has been in the negative since XX/XX/XXXX which they are saying I 'm in the negative for over {$5000.00}. I really do n't understand why or how this could even go on this long. I had them check which they said they did a analyses but on the papers they sent doing XXXX different analysis shows XXXX different numbers. I called concerning this analysis XXXX was in XX/XX/XXXX the other in XX/XX/XXXX. I have checked my taxes and my homeowners insurance and it did not go up no more then {$50.00} to {$70.00} dollars I put notes to draw to your attention to the marking periods that seems to be different on each. 

please help i can not afford this Thanks
I happened to look on Maryland Case Search website and saw that XXXX XXXX, XXXX has filed a lawsuit against me. I never received any notification in the mail giving me the option to dispute the validity of the debt. I also saw on Maryland Case Search that a hearing is scheduled for XX/XX/2018, I was never served any documentation and would not have been aware of the lawsuit if I had not looked on Maryland case search. The address they have as my address is XXXX XXXX XXXX, XXXX, MD XXXX, I'm not sure where they got that address from, because I don't reside there nor have I ever had any mail go to that address. The address is not deliverable for me through the US post office. I would like to know if papers were served who did they serve the papers to and when, because I was never served.
There is a collection that just showed up on my credit file which I do not owe any medical debt, this is inaccurate
XXXX College is known as a scammer school that shut its doors on its students and left everyone in debt. 

I transferred out of XXXX College a year before it closed down due to the fact that I didnt believe they had given me the education they promised, they didnt train me properly, and they promised I would be finished in 2 years, which I absolutely wasnt. Nor was any of my peers. 

A year later they were shut down and I am stuck paying back {$100000.00} in student loan debt with no degree or certificate to show for it. I am struggling to make ends meet while still trying to get an education at a better school. 

I believe it is completely unfair that I was promised a good education by a scam school that eventually closed down and forgave the student loans of the students currently at the school. I was smart enough to leave to not accrue MORE debt, however, I am still paying back the loans caused by this school. 

I would like forgiveness of my loans from XXXX College or a giant percentage taken off at a better rate so I can pay back at least some and get this horrible school off my of record and off of my mind.
I GOT A COLLECTON NOTICE FROM NORTH STAR LOCATION SERVICES LLC BUT I DO NOT OWE THEM MONEY AND I ALREADY TOLD THE MAN ON THE PHONE TO STOP CALLING MY CELL PHONE AND HE KEEPS CALLING, I WILL SUE XXXX, XXXX, XXXX, AND NORTHSTAR AND XXXX XXXX XXXX, I ASK FOR THIS COMPANY TO STOP CALLING I DO NOT OWE THEM ANYTHING,
I have never been able to get a clear explanation from the creditor XXXX as to what these charges are for.
On XX/XX/XXXX I noticed my credit score had dropped significantly. I pulled up my Transunion credit report and noticed that an old item previously deleted in XX/XX/XXXX was put back on my credit report. I was never notified by Transunion and when I called they said the agency ( XXXX XXXX XXXX.a.k.a. XXXX  ) never certified it as true and accurate. Transunion never notified me it was put back on my report after 4 years. In XX/XX/XXXX report the deleted item was listed for {$190.00} and the original creditor listed as XXXX XXXX XXXX ( XXXX ) The XX/XX/XXXX collection agency was XXXX XXXX XXXX. ( XXXX  ). XXXX had said the amount as {$190.00}. That item was deleted from my credit report. 
Then In the XX/XX/XXXX Transunion reported a delinquent item was added to my report for {$190.00}, XXXX XXXX was listed as the original creditor with XXXX XXXX XXXX. ( XXXX ) the collection agency. I was told by XXXX  that the debt was actually for {$190.00} which is the same amount that I was told the debt was in XXXX and the original creditor was XXXX XXXX, the same as in XXXX. In XXXX the debt was in collection with XXXX XXXX XXXX. 
It is obvious that to sneak a deleted debt back on to a credit report, the creditor XXXX XXXX, tried to deceived by : 1 ) waiting 4 years, 2 ) falsifying the original creditor, 3 ) changing the amount of the debt and 4 ) changing collection agencies. All to avoid the certification and notice required by law. 
I have disputed this with Transunion. XXXX told me they sent the dispute to XXXX XXXX. But I was so appalled at the attempt at deception that I had to report this new tactic by a creditor to you.
A fraudulent account from XXXX / XXXX XXXX XXXX XXXX has been been previously found to be fraudulent and they refuse to remove it and / or conduct proper investigation.
I applied on-line to get my free credit report because I received a letter from the IRS stating that I should check them for fraud due to some activity suggesting that someone tried to use my information. I got the other XXXX reports but could n't get Equifax 's report because it said I did n't answer the security questions correctly. Later they sent me a notice of the same but I noticed that the address was wrong but the mailman got it to me because I 've lived her for 20 years. I called Equifax , explained the situation, asked them to correct it, then they told me it would take 30 days for the change to occur. They said I could join their club for a monthly fee and get the report right away and when I reminded them that they are supposed to send me a free report they said my one attempt was all that was allowed, I would have to pay. Today, about 3 days later, I just received an email saying my dispute was resolved and a link to see the results. I followed the link, entered this case number and other information and it said " Case Resolved ''???? This has got to be the most useless company on the face of the planet.
Experian does not allow consumers to quickly freeze their credit online or by phone. It has insufficient and unsatisfactory means to contact them for problems with placing credit freezes. 

Their website includes misleading and incorrect information and there is no way for a consumer to actually contact them about security freezes. 

On XX/XX/XXXX 2017 -- after I found a fraudulent charge on one of my credit cards AND found out I was part of the Experian data breach -- I attempted to freeze my credit at all three main credit bureaus. 

The Experian website did NOT allow me to place a freeze, instead directing me to MAIL all the needed information -- including sensitive information like my complete Social Security Number and other identifying information -- to an address. 

( Specifically, I entered all my information correctly online -- as I had at the other two credit bureau sites -- and Experian would not allow a credit freeze to be placed. It simply said they were " unable '' to do it ... no explanation about why ) Because I had just been the victim of fraudulent charges, I did not want to proceed by mailing all of my sensitive credit information by the postal service. 

The website said however, that security freezes could be placed by phone. This web page clearly states they can be placed by phone : https : //www.experian.com/blogs/ask-experian/how-to-add-a-security-freeze-to-your-credit-file/ However, when you call the stated number, you can not. ( It 's not that there was a problem specifically with ME doing it ... if you go through the lengthy phone tree, as soon as you select that you want to place a security freeze by phone, the message says you ca n't )
I had a loan through Springleaf which was paid off XXXX XXXX/XXXX/XXXX. 
Despite my phone calls they continue to bill for this and add late charges and fees. I believe this is effecting my credit score negatively. I spoke to a representative named XXXX XXXX on XXXX/XXXX/XXXX who told me my balance would be set to zero. But I received another statement claiming I owe {$16.00}. Now I 'm trying to reach them by phone ( again ) but the phone system no longer lets you talk to a live person. 
I am writing a letter to Springleaf today, but without help I believe they will just ignore my requests.
On XX/XX/2017 I mailed a letter in response to my complaints & dissatisfaction with Macy 's customer service & other issues, to XXXX at Macy 's corporate office. I paid off the account the same day, because I did n't appreciate nor like XXXX " blame the customer '' response & " let 's pretend we do n't really know we have issues '' attitude. She is lying for the company to try to cover up what they all know & some more savvy customers such as myself already see coming - they 're failing at keeping customers coming to Macy 's & will financially fail & shutter their doors soon like many other failing retailers have in the last year! She did not honor my request to close the account nor send me confirmation to do so. I REFUSE to get on the phone with their horrible XXXX based customer service people who can barely XXXX. I had to call them yesterday against my will to find out if she 'd actually done what was asked of her, she did not. In fact the rep who answered did n't understand the question posed before her which required a simple yes or no answer. All I said was I want to verify if this account has been closed. She went to telling me everything I did n't ask her to do, including reciting her typical scripted response instead of saying " no the account has not been closed ''. It really was that simple. I berated her for not listening which is becoming a common problem in many companies & reminded her what my original question was. She hung up on me but to her own demise. Once she did the survey I agreed to take came on, I always agree to do them for this company because the service is so horrific. I rated her terribly as she deserved & hope she is fired. I 've been told by many reps in varying companies that 's what those surveys usually represent. The goal should be do your very best, be professional & kind & do n't XXXX off the customer. This woman did the opposite so I did her a solid by attempting to get her fired. I am all for draining the swamp at companies, that includes the top brass who do n't deserve jobs either. XXXX is on that list! She failed miserably at responding in a timely manner to my complaints filed with the XXXX and you, then tried to insult my intellect by insinuating that I had no clue how to use a PC or figure out online sites when I am on PCs all day at work and when I get home, take on line college courses & a host of other things. Obviously I know how to use a PC if I was able to go on this site & the BBB 's to file complaints about them! Duh! I left her a harsh phone message for which of course she also failed to respond which tells me she 's just sending out form letters because she has so many complaints coming in to her company. She should find another job where she can be more useful with a company that does n't have a ton of complaints & is n't failing. At this point my complaint is primarily about XXXX, their horrible customer service ( again ) & her inability to follow simple instructions to do what I asked her to do! This is the most shameful company I 've ever done business with!
We are selling my mothers home and need the payoff amount from Ocwen financial. I 've been calling for two months trying to get a response but to no avail. This week we are supposed to be closing and we still have n't had any response from Ocwen. All we need from them is to verbally confirm the amount and fax over some paperwork to the escrow company.
Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, XXXX XXXX XXXX XXXX   started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The XXXX Preservation Departement reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date. 
To my surprise, I reviewed my CRA noting XXXX delinquent report for 9months. 
I addressed this information with the bank, stating unaware of the report to the bureaus. 
This false report is badly reflecting my score while rebuilding my score and hard work. 
Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the AGO, City Hall Mayor 's office, and my Attorney.
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
During discovery in a divorce case, I found that my soon to be ex got a Credit Card from Belk 's department store, in my name and Social Security number. 
She had been hiding the account by paying Online using an account I had no access to. 
After the divorce started, she changed the account address to C/O ( her name ) and changed the address to that of her parents. 
The present balance is approx {$3600.00}, and I don't know how much was charged for several years.This account showed up on my credit report. 
I inquired with XXXX, and Belk/Synchrony Bank about the account in XX/XX/XXXX. Since I didn't know the account number, I filed a fraud investigation report with Belk/ Synchrony, and the local police department. After a couple of weeks, several statements arrived. 
I did request in writing, copies of the originating documents on the account. 
After 2 months, Synchrony sent a letter stating " We are unable to approve your claim of FRAUD ... Because " Account opened greater than 1 year with verifiable payment history ''. They did not sent the requested documents of the account being opened. 
Then, today, XX/XX/XXXX, I get a billing statement from Belk 's, ( for the first time ). 
The Account number was changed. I don't have a card under any account number.
I received notice on my credit score service that my Home Depot Citibank card was past due on a {$17.00} balance which had ballooned to {$73.00} in fees. The late and past due bills damaged my credit score. I had never received late notices or billing information from Home Depot or Citibank. This was the XXXX occurrence of the companies required correspondence not reaching me via email, phone or postal mail. A previous similar issue was resolved in XXXX when I informed them that I was not receiving bills. Their representative agreed to waive any additional charges and confirmed my email and mailing addresses so future account correspondence could reach me in a timely manner. This did not happen and I was late and charged for a bill I was n't aware of. 

-XXXX