WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft and someone stole and used my personal information to open up an account with XXXX XXXX. I have never applied or opened up an account with XXXX XXXX. I have been receiving harassing and threatening telephone calls from North Shore Agency Collection Agency representatives in regards to a debt in the amount of {$270.00}, I owe to XXXX XXXX. North Shore Agency has threaten to call my job repeatedly, if I do n't pay the debt.
In XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX  XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX assigned XXXX XXXX XXXX to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XXXX to present. 

- I have explained my concerns and offered my criteria to XXXX. XXXX, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 

- Personally, I have contacted by phone many times XXXX XXXX XXXX in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with XXXX and either the 3 credit bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. XXXX.
I have been a costumer of Chase for a little more than 10 years and for the past year or so I have been having lower available balance than I am supposed to in my checking 's account. Sometimes {$20.00}, {$50.00} and at one point even {$100.00} dollars less than I should. I always contact them and there is never an explanation for the error. I use an Accounts app on my phone to keep track myself of every single transaction that I make and then compare it to the Chase app to find any discrepancy but there is none to be found. Is like the money just disappears to thin air. Today XX/XX/18 I logged in to my account to find out that I am missing {$160.00} dollars from my account. No unauthorized transaction is found but the money is missing. I went to the closest Chase brand that I have and spoke to banker. We went over the last transactions that I made and no error was found, just the {$160.00} dollars disappear from my account. This is very frustrating I work hard for my money and I hope I can get help somehow cause Chase is not helping.
Complaint : Washington Federal Bank wants to keep my earnest money because I kept their house off the market for 30 days. 
XXXX lender XXXX XXXX did not fully disclose the need for a XXXX credit score and kept saying the underwriters overlay reports back OK - referral with caution. 
XXXX lender XXXX XXXX XXXX did not fully disclose that I needed to put in debt from my ccs into the mortgage amount to be able to get the loan at a new purchase price of XXXX. 
Seller still under open contract with open form XXXX UN singed document from purchase due to bank wanting to keep buyers Ernst money of {$1000.00}. Seller has put the home back on the market and advertising home for sale on the XXXX XXXX system as of ...
I sent this company a debt validation letter asking them to validate that this account is mine with a signature of mine promising to pay this debt.. I have not received that from them so they cant validate that it was me who opened this account. I am a victim of identity theft and this needs to stop.
transunion has to remove ... XXXX XXXX ... XXXX XXXX XXXX ... XXXX ... XXXX XXXX ... XXXX
MY IDENTITY WAS STOLEN. AMERICAN EDUCATION SERVICES HAVE PUT INFORMATION ON MY CREDIT REPORT WHICH DOES NOT BELONG TO ME. 

I STRUGGLED TO PAY TUITION FOR MANY YEARS. I WROTE AN ESSAY DURING MY CLASSES AT XXXX XXXX AND THE SEMESTER PRIOR TO GRADUATING, THEY GAVE ME {$1400.00}. IF THERE WAS ANY MORE MONEY, I DO NOT KNOW WHO GOT IT. I DID NOT GET IT. 

I HAVE BEEN IN CHAPTER XXXX FOR 5 YEARS AND ANY BILLS THAT I HAD PAID TO CHAPTER XXXX. AFTER THAT ANY CHARGE OFF OR WRITE OFFS HAVE BEEN RESOLVED DURING THAT PERIOD. 

I DO NOT BELIEVE THAT THIS DEBT BELONG TO ME. SOMEONE HAVE BEEN USING MY ID AND MY SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE. 

I HAVE REPORTED THIS MATTER TO THE XXXX XXXX POLICE DEPARTMENT REPORT # XXXX
The loan servicer makes it hard to pay back loans and it feels like they charge you more money than you actually owe.
I have been dealing with Discover Student Loans since the took over the XXXX XXXX Student Loans. I have had repeated trouble with my accounts. Often they do not reflect the payments made, and I am reported to the credit agencies. At one point I had to send a cease and desist letter to keep them from calling me 10 plus time per day while I was at work. That was in XX/XX/XXXX.
Then in XX/XX/XXXX I called Discover to ask the status of my accounts as I was selling my home and trying to buy another home. I was told all was good, but he had to look to why he saw I was current, but I was seeing online that my accounts were reporting late. I was told by the Discover agent, that I was good. I also informed that that I would be paying off the remaining loans over the next few months as we sell our home. Then on XX/XX/XXXX XX/XX/XXXX I got an alert from XXXX and Transunion that Discover was reporting me as delinquent. I called Discover on XX/XX/XXXX to try and find our what was going on. They told me I would get calls back, and emails they never came. Eventually on XX/XX/XXXX I got XXXX  and Discover Student Loans on a three way call and they finally admitted in that call to XXXX that I was current, and that I was current when I was reported as delinquent.
Now as of today XX/XX/XXXX I still can not tell the status of my loans, or when payments are due or if they are. The website has me listed as in deferment for school, but I have been in XXXX XXXX at XXXX XXXX  University since XX/XX/XXXX. This would mean I should have been in deferment for the last 13 months. With that fact, then I am not required to make a payment, thus I could not be late as they reported me.
The bottom line is that I can not get information about my accounts, and this is effecting my credit. I am unable to callas they tell me to write them, when I send the emails via the secure server I get responses that tell me to call, then on the call they tell me I must write. How can I get information? How can a company be allowed to report negative when they do not report all payments and positives? How can a company who 's own web site states, " Due to system maintenance your Account Center payment history may be incomplete. We are currently working to resolve this issue. We anticipate the issue will be resolved in a few days. In the meantime, for complete payment history, please see your monthly statement ( s ). We apologize for any inconvenience this may cause. " ( https : //www.discoverstudentloans.com/XXXX  XX/XX/XXXX ) On XX/XX/XXXX my accounts all showed on the Discover Student Loan webpage as current, yet I was reported as late after this date. See Attached I and my family is at a lose as we were about to get a home now we have nothing, as Discover reported negative when I was not negative. I know I am not perfect and my credit shows that, but when a company is not giving the consumer or the credit agencies accurate information in a timely manor, how can they be trusted at all?
These companies have reported incorrectly to my credit reports for years. Theyre only reporting negative information. It is a violation of the federal fair credit reporting act to discriminately report ONLY NEGATIVE INFORMATION!!!!!!!!! I have filed multiple complaints, multiple disputes and theyre response NEVER EVER EVER ADDRESSES THE COMLAINTS OR THE DISPUTE, and comes in the form of a form letter that says what theyre reporting is correct! How is this legal and how is the ok to do to people? This has got to change or I am going to the attorney general, and my state officials. The CFPB has done nothing to assist in the matter as well so as an exercise in futility and to improve my finger to screen speed, here I am filing yet another complaint against these companies. If it has not been stated clearly yet, the companies ARE DISCRIMINATELY ONLY REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORTS! Do I need to cite the actual law regarding this or do the cfpb and the people who receive the complaint at the creditors office actually know that this is not legal and violates the law?
I am requesting the date of last payment on a credit card and line of credit from Wells fargo. I have asked for this information via credit reporting agencies and through Wells Fargo directly to no avail since XX/XX/XXXX. I understand that these debts have been sold to XXXX XXXX. XXXX XXXX continues to re-age the accounts. I received a letter from Wells Fargo on XX/XX/XXXX The letter is ambiguously written to avoid answering the DATE OF LAST PAYMENT or THE DATE OF FIRST DELINQUENCY. Their correspondence only states the date the account was closed. This is not the information I need. I need documentation showing the last payment ( i.e. cancelled check ) to prove the date of last payment or date of first delinquency. I need this to understand when the XXXX year statute of limitations begins for reporting the debt. Wells Fargo 's response was ambiguously written to avoid answering the questions.
Assent Inc ran my credit report without my permission. I have never heard of Assent Inc. before nor have I ever done business with them. They are flagrantly violating the Fair Debt Collections Practices Act with their illegal and deceptive debt collection tactics. I do n't want any communication written, telephone, or any other method from Assent Inc XXXX
Applied for Ocwen Loan Servicing Settlement for Misdated Letter Claim in XXXXX 2016. To date no resolution. Bi-monthly phone calls to XXXX yield the same scripted response " under additional review ''. Called Ocwen directly and customer service rep responds that my claim is not showing in their system for review or status.
Hello, I submitted a written request by mail for Equifax credit Bureau on XX/XX/18 to send me copies of the documents that the company has used to verify the accuracy of the account as a public record. I have been dealing with XXXX, Equifax, and XXXX over a year, and they have not looked into my credit report. I have sent muiltiple verification and follow up letters, and it comes back verified that the three credit Bureaus have not sent in any verifying documents to show where the information is involving the Bankruptcy. I received a letter back from XXXX on XX/XX/18 stating that they previously processed the dispute, and verified its accuracy without sending me any verifying documents back. On my first follow up letter I sent off to Equifax, I stated " Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature '' " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report '' As I've stated above, the Equifax credit Bureau did not provide me with any verifying documentations with my signature on it. 
My credit is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error on all the reporting Credit Bureaus Equifax. Thanks so much for looking into this important matter.
I submitted numerous complaints in regards to Bank of America. I sumitted numerous documents demonstrating that I was not the party that applied for a credit card with this organization. I had no knowledge of this debt. The address that I found out was on the application after submitting my complaint, it is an address that I have not resided at in approximately 20 years. I have provided Bank of America that information. I have provided my mortgage document from XXXX to show where I resided and it had my signature to show it was different signature from the application. Then I inquired why Bank of America did not contact me prior to verify if I was applying for a credit card as I have a fraud alert on my credit report. Then they claim they did and the phone number they stated was never my phone number. Then they stated something in reference to XXXX XXXX, I have provided a letter which XXXX XXXX determined this to be a fraudulent account after their investigation. Then Bank of America states about payments, I never wrote any checks or authorized any debits to my account. I keep informing this company XXXX or XXXX when they authorized this card, I had my spouse and son battling XXXX this was my focal point, I never opened or knew anything in regards to this card until after they unfortunately passed and discovered this debt on my credit reports. I tried to correspond with XXXX who was the last party I corredponded with, she did not respond to my emails or calls. Which I emailed this XXXX letter to XXXX as well. I indicated that I attached the XXXX letter as that was mentioned and I provided the letter to show the account was also a fraudulent account and XXXX determined that after their investigation in XXXX. Bank of America submitted this fraudulent debt to IRS as a charge off and I am being held liable for a debt in which I had no affiliation with. I briefly spoke with an attorney who advised me to submit the letter from XXXX to see if the organization will release liability. If Bank of America will not release me of liability when I have proven over and over with documentation that I did n't apply for this card, I have to seek legal represent. I ca n't continue to go through this and be held for a debt in which I am not liable for. I would n't continue to go through this back and forth if I were n't being honest.
To Whom It May Concern. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In A Befitting Manner And With A Humble Submission Would Like To Inform you that we " XXXX & XXXX XXXX '' are the customers of Wells Fargo Bank since XXXX till date.We have Bussiness, crown checking ( XXXX ), Safe deposts vault ( XXXX ) and more than anything we have PRIME EQUITY LINE AND HOME EQUITY LINE OF CREDITS WITH THEM. SINCE WE BORROW THIS MONEY FROM THE BANK IT NEVER HAPPENED THAT WE MISSED ANY PAYMENT, NEVER HAPPENED THAT WE MADE UNDER PAYMENT FROM THE MENTIONED AMOUNT INSTEAD WE ALWAYS PAY MORE TO REDUCE THE PRINCIPAL. 
WE PAY ONLINE ALWAYS FROM OUR CHEQUING ACCOUNT. WE MADE AN APPEAL TO THE BANK, '' SAYING INSTEAD OF MAKING XXXX PAYMENTS FOR THE SAME BANK, SAME CUSTOMERS PLEASE MERGE THESE XXXX ACCOUNTS IN XXXX SO THAT WE CAN MAKE XXXX PAYMENT WITH A FIXED RATE OF 30 YEARS INTEREST. NO MATTER WHAT IS OUR CURRENT INCOME, WHAT WILL BE OUR FUTURE INCOME AND WHAT WAS OUR PASSED INCOME BANK DOES NOT NEED TO BE WORRY, WORRIED OR WOULD BE WORRY FOR ITS PAYMENTS. 
AFTER SUBMITTING ALL THE DOCUMENTS THEY HAVE TURNED OUR REQUEST DOWN SAYING SINCE IT IS A NEW APPLICATION WHICH IS NEITHER A DEBT CONCILIDATION ACCOUNT NOR ANYTHING ELSE IN THAT NATURE EXCEPT THE MERGING OF XXXX ACTIVE LINE OF CREDITS ACCOUNTS WHER ALL REMAING PARAMETERS ARE THE SAME.TO US WE STONGLY BELIEVE THAT THE DECISION WAS NOT TAKEN IN A PROPER WAY THE WAY IT SUPPOSED TO BE.WE ARE VERY PROUD THAT WE IARE IN BANK 'S VERY GOOD CUSTOMERS LIST. BUT WHERE IS REWARD OF BEING LOYAL? WE BELIEVE THAT THIS APPEAL HAS NOTHING TO DO WITH OUR INCOME, CURRENT PRICE OF THE HOUSE OR ANY OTHER THINGS IN OUR OPINIONS AS LONG AS BANK IS GETTING ITS PAYMENT. 
WE WOULD HIGHLY APPRECIATE WITH YOUR HELP IF WE CAN HAVE THIS PRIVELLIAGE OF HAVING THESE XXXX ACCOUNTS IN XXXX WILL BE A GREAT VICTORY FOR US AND IN THE LONG RUN WE BELIEVE THAT THE NEW SINGLE LOAN WILL BE PAID OFF MUCH MORE FASTER AND WILL ALSO BE ABLE TO SAVE MONEY. 
THANKING YOU IN ADVANCE FOR YOUR COOPERATION & UNDERSTANDING SINCERELY XXXX ; XXXX XXXX XXXX XXXX XXXX.
I sent Santander a formal notice to cease a unauthorized hard inquiries into my credit report and, a formal demand that they immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have a illegal inquiries removed. I also made the aware that I did not sign any documents authorizing their organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
However, I ask them to forward documents that they believe authorizes Santander to make inquires into my credit report, I respectfully request a copy of this documents be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests within 15 business days. Also I will forward a copy of this letter to the Creditor Bureau 's.
Paypal credit. Account number XXXX XXXX XXXX XXXX in the name of XXXX XXXX, the interest is {XXXX} dollars for the amount of {XXXX}, during the month of XX/XX/17. I consider that the increase is exaggeratedly high, for this reason my complaint. I need your help to get my money back. 
Thank you.
I called XXXX XXXX XXXX on XXXX XXXX, 2017 to cancel my wireless service for account # XXXX. The overseas XXXX XXXX XXXX call center did n't cancel the service and when I continued receiving a bill for service I was not using XXXX XXXX XXXX finally cancelled the service on XXXX XXXX, 2017. Numerous calls to XXXX XXXX XXXX only provided the " Run - Around '' with no resolution so XXXX XXXX XXXX turned the amount over to Sunrise Credit Services, their account # XXXX. I have advised both parties that I would not pay for services not used. The disputed Amount is {$150.00}. Incidentally I had great difficulty in cancelling three other XXXX XXXX XXXX services due to the move from XXXX to XXXX, But was able to after numerous phone calls was able to accomplish the requested service cancellations. 

XXXX XXXX
I have contacted the debt collector, TELERECOVERY, via certified mail due to them have reported negative items on my credit report. I sent a letter to them and have given them over 30 days to contact me. The letters I sent to them asked them to validate the accusation and to send proof of what they are reporting. It is my right to ask for validation about any accusations concerning a debt. I let them know that it violates FCRA 15 U.S.C. 1681i, all unverified account must be promptly deleted. It is damaging my credit worthiness. 
TELERECOVERY, medical collection balance, {$110.00} U.S. certified mail tracking # XXXX XXXX XXXX XXXX XXXX ; mailed off XXXX/XXXX/XXXX, delivered XXXX/XXXX/XXXX @ XXXX
To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my Macys AMEX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay. When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}. When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XX/XX/XXXX and carried over into XX/XX/XXXX. When I called Macy 's Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge. Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me. Warmest regards, XXXX
I purchased a XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX for {$990000.00} in XX/XX/XXXX and obtained a {$680000.00} mortgage from Washington Mutual Bank ( now Chase Bank - Loan # XXXX ) at the time of the acquisition of the property, Washington Mutual said that I DID NOT qualify under their guidelines but Washington Mutual would still qualify me through their subsidiary bank namely -XXXX. Payments on the mortgage were made regularly to Wasahinton Mutual ( Chase Bank ) until the economic downturn at which point, I could only keep 50 % of the units leased and consequently fell behind in in mortgage payments. Propert values dropped drastically as I commenced negotiations with Chase for a loan modification. I was in the midst of the modification process, when another branch of the bank seized the XXXX and took it over in XX/XX/XXXX. I was at the bank a month ago and inquired about getting my property back ... The clerk advised that the property was still in my name.