WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted investigation request to look into wrongly reported Student loans on my credit profiles with Experian, XXXX, and XXXX. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX and are under deferment and are not in default. During the investigation process, XXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. I 've made three request total and asked for verification and to request written proof of their finding but was never furnished with any information.
Fifth Third Bank seems to sent out different credit card sign up offers based on non-legal discrimination. My spouse and I have similar FICO score ( within 5 points ) above XXXX, live in same household, make similar income, similar amount of open revolving line of credit. We got same mailing for same TRIO credit card mailing with 2 very different sign up bonus : one at {$150.00}, and the other at {$350.00}. The card benefits and terms are exactly the same.
This was opened by XXXX on XX/XX/2016 but I did have this service for over 2 years and when the account was closed I had no pending payments.
I contacted both XXXX and Navient in XX/XX/2018 to explain that Im a victim of identity theft. They continue to report this fraudulent information on my credit file despite my numerous attempts to have this issue resolved. On XX/XX/2018 i received a letter from Navient stating that these fraudulent accounts are mine. Again, they are not mine they are fraudulent. I have not opened these accounts and i didnt authorize the opening of these accounts. I would like both XXXX  and Navient to provide proof which supports their claim that these accounts are mine.
Collection accounts that are not only old enough to be deleted, but are being sold and transferred to appear new.
XXXX XXXX XXXX XXXX is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. Capital One refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. XXXX XXXX has issued trades lines on my credit bureau listing.
A bill pay check for {$310.00} was sent to  Wells Fargo  on  XXXX  against a closed account, and cashed by them on  XXXX . This was sent accidentally, as I have a valid car loan contract with them and the check was meant for that  (  second check was already issued for that ).     I believed since the account was closed,  Wells Fargo would act in good faith and not cash it. I called wells Fargo  as soon as I discovered this and was told it would be refunded within  two days. After a week with no refund/correspondence I had a conference call with my bank ( who issued the bill pay check ) and Wells Fargo  who assured me this would be refunded within a week.     It 's now  two weeks later, and 3 weeks since this has begun. Wells Fargo is  conducting radio silence, and every time I call, I 'm told they will look into this. As they promised resolution ( on tape ... I recorded the conference call ) and have not honored their word, contract, and to be honest stopped stealin g ( took money, nowhere to allocate it to, promised to reimburse ... now ignoring follow up requests ), w hat can you do against this theft/bank fraud?
I disputed with the credit companies and they failed to delete all mis- reporting ; unproven mis spellimgs of my name and address I have provided government documentation that proves my true identity. My state laws and FTC laws states that if the reporting information is not true, complete and perfect it must be deleted, I wish not to take any other names or abbreviation of my government name,
I had a agent call me from  Deville Asset Management t o tell me that a complaint had been filed in their legal office and that I needed to take action or they would have to escalate matters.
I have 2 collections from Midwest Recovery on my credit report that arent mine. Same amount same day. {$400.00} on XXXX/XXXX/XXXX
debt is not mine. i reported my wallet lost and this car was opened in my name. it was in an accident with no insurance out of state, and sold in an auction. XXXXXXXX XXXX never tried to contact me for this debt. and after writing it off they resold it to XXXX XXXX. They have now reaged the debt from XX/XX/XXXX to XX/XX/XXXX and are in collections affecting my credit worthiness and any other chances of moving up on my scores.
XXXX XXXX XXXX This account was a checking account that was paid in full and was told by the creditor it would be removed I called the creditor and they said they haven't reported the account in years.The credit bureau doesn't acknowledge it and lies to me every time I file an investigation into it.They dont even do it.Account is going on 8 years old now.
A debt collector called trying to collect a debt on a credit card. The debt collector told me that the account was open and if I made a payment I would still be able to use the card. He told me this three times. After I made the payment he said he had made a mistake and that the card is actually closed and that I would have to reapply. I asked to talk to his manager and his manager admitted he " made a mistake '' but refused to refund my payment or do  anything for me at all.
Macys is reporting that I have a {$1700.00} debt with them on my credit report. I have been contacting them for months to resolved this matter, but they will not allow me to make a payment. Despite that, they refuse to take the account off of my credit report, essentially holding my credit report hostage. I have been trying to buy house for months, but this Macy 's account continues to prevent me from moving forward with a mortgage application.
I have submitted documentation on numerous occasions to have an item that does not belong to me removed. The credit bureaus are only going by what the company states and not looking at the facts. If a company can not verify my account by my birth date because they have a different birth date on file than this is proof enough that this is not my account and may have been opened fraudulently.
On XX/XX/XXXX I filed a complaint with the cfpb and this company responded quickly saying that this account would be deleted. However it is now XX/XX/XXXX and it has yet to be deleted from my credit.
USAA repeatedly attempt to contact be regarding the debt of another USAA member. I repeat : I was not the individual responsible for the debt. In fact, it was only by relation that USAA continued to harass me for the contact information of the debtor. I repeatedly requested that the harassing phone calls stop. Over a period of about 12 months, USAA continued to make harassing phone calls. They started up again recently and continue to this day. They need to stop and I need to be appropriately compensated for the huge amount of time I have wasted and the expenses I have incurred in my attempts to stop these harassing phone calls. I am a good paying customer of USAA : this is no way they should be treating anyone, let alone a loyal customer. Stop the harassing phone calls.
On XX/XX/XXXX my XXXX year old son received a XXXX package with a XXXX XXXX XXXX XXXX pirates DVD inside of it. The package was sent by a relative. It was not signed for and left on our doorstep. Approximately one week later a XXXX invoice ( XXXX ) in the amount of {$110.00} was delivered to our address. The invoice had our XXXX yr old sons name on it. I called XXXX at XXXX to dispute the charge. We did not send or request the package and we do not have an account with XXXX. I informed XXXX rep that the person who sent the package must have used a XXXX account. The XXXX rep stated that they could not find the account number and that my XXXX yr old son was responsible for the invoice payment. I told her to contact the sender to acquire the correct account number. On XX/XX/XXXX we received another invoice from a collection agency stating our account status was delinquent. It was addressed to our XXXX yr. old son. To reiterate - we do not have an account with XXXX and do not use their services for any mailings or shipments.
I received a letter from convergent outsourcing Inc. from XXXX Washington stating that I have been placed with their office for collection in attempt to collect a debt to XXXX. Which I do not have any debt owed to XXXX. I know that for a fact. And can prove it.
To Whom it May Concern : I would like to file a complaint against Specialized Loan Servicing , Inc. ( SLS ). Upon transferring my loan to SLS there have been numerous billing errors, incorrect information reported to the credit reporting agencies, and an unwillingness to correct any errors. Here are some of the numerous errors that effected my account:1 ) Balance Due : My initial statements listed my balance due at {$150000.00}. This was over twice the amount I owed ( $ XXXX ). 

2 ) Billing Statement Errors : APR/Per Diem Interest Rate : They incorrectly billed me at over 8 % interest. My rate should have been 4.75 %. I was over charged {$320.00}. They later corrected the interest charges but never removed the overcharges. 

3 ) HELOC Billing Rights : Under the terms of my loan, all disputed discepencies must be corrected within 90 days and will not be reported to the credit agencies. 
My attorney contacted SLS in writing on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. We also called numerous times to no-avail. 

4 ) Harassment/Over Charges : The entire balance was paid in full on XXXX XXXX, 2015. They continue to send me bills and continue to charge me fees. They have already charged me recording and processing fees XXXX ( which I have paid ). They continue to send me bills stating I owe them an additional {$1700.00}. 

5 ) Inaccurate information Reported to Credit Agencies : Despite the many errors they reported faulty information to the credit reporting agencies. They never corrected the overcharges. Despite my disputes they reported my account as over 90 days late to the credit agencies ( which was not allowed according to my HELOC agreement ). The account was paid in full in XXXX, yet they refuse to remove it from my credit report. When I call, they have told me that because I have disputed the information, they can not remove the late pay or adjust the inaccurate information. 

I can send copies of all of my statements and bills, the letters from my attorney and an XLS spreadsheet of all the errors that I have experienced for your review.
Received a phone message from Synchrony Bank concerning a debt on a Sam 's Credit Card. I called Sam 's member services and was transferred to a representative from Synchrony Bank. I explained to this person that I have never had a Sam 's Credit Card and that the debt was not mine. I answered a few Security questions and she asked if I had a relative with the same name. I indicated I had a XXXX year old son with the same name. She told me to tell him to call them. This was on or about XXXX XXXX, 2015. Thus far the phone calls have been incessant. I have received XXXX phone calls from this Company starting XXXX XXXX thru today XXXX XXXX. I have the exact times and dates of these calls if necessary. I want these calls to stop immediately and Synchrony Bank and/or Sam 's Club punished for this violation.
Atlantic Credit and Finance called me today for a debt that belonged to my husband He said that account was due to go theie attorney. I advised him that he would need to speak with my husband and he insisted on continuing the discussion. I told him again to contact my husband and that I was at work. I also told him that this was not an opportune time to discuss and he still insisted on continuing the discussing. He told me it was best to talk to him before he 'd have to take legal action.
On XX/XX/XXXX, at approx. XXXX EST, I received a phone call from XXXX -- an employee of Paramount Recovery Services . The employee would not give her name. She stated I had a medical debt from XX/XX/XXXX and I needed to verify my personal information. I told her I was not comfortable giving her my personal information ; however, somehow she knew my personal information, including the last four digital of  my SSN. I immediately hung up the phone as I do not have an outstanding medical bill and my credit report does not reflect this six year debt they claim I have.
I purchased a vehicle from XXXX XXXX in XXXX XXXX on XXXX. Together with the vehicle lease I also purchased the XXXX XXXX and the XXXX XXXX XXXX plan. However, on XXXX I decided that the XXXX XXXX XXXX plan was not a good plan for me and decided to cancel. I went to XXXX XXXX and officially cancelled the plan with the same financial person that sold me the car. I received the receipt of the cancellation and I was told that the refunded money {$1700.00} would be applied to my account in about XXXX weeks. 
Since then, I have contacted both XXXX XXXX and XXXX XXXX periodically after XXXX weeks had passed to get a status updated and I always received the same response : it is getting processed. 
Well, it has been XXXX weeks now since I cancelled the plan and to this date, the total amount {$1700.00} has not been applied to my account. 
I 'm extremely disappointed with XXXX and the way this issue is being handled. If it was the opposite, with me not paying the monthly payment, they would have already charged me exorbitant late fees as well as potentially taken the car from me by now.
this is not a duplicate request. 

on XX/XX/18 I received notice from Experian that I would need to produce additional information to prove that the chapter XXXX bankruptcy being reported was a result of identity theft, they also stated that all accounts that were previously being reported as apart of bankruptcy have been blocked due to my submission of all required documents including police and FTC reports showing I was a victim of ID theft, they then went on to say that it is not typical for bankruptcies and child support to be a result of ID theft. I have had the creditors included in this bankruptcy to perform investigation and they have concluded that the accounts were not mine or created by me but the bankruptcy that these creditors reported under are still reporting. Experian ask me to submit additional information. I have attached the investigation results from 2 of the creditors that were being reported under this bankruptcy on my XX/XX/XXXX credit report also i have included the letter from the courts which i presented my ID to get this information being reported, but was told there is none under my name and SSN #, and my police and FTC report, this is all I have that can prove that this is not my bankruptcy, please remove this case from my name as it continues to damage me. I have also included correspondence that I received from the " furnisher '' with them ( XXXX XXXX ) denying they have shared my information and that due to the ID theft it is still protected under suppression.
I will be suing wells fargo for letting the felon criminal 's XXXX and XXXX XXXX to leak out my private information and how they told their friends to get them to laugh at me. Since wells fargo will not do anything to XXXX XXXX for her using her position as a district manager to do unethical and criminal things against me. I have no choice but to take legal action, since wells fargo choice to make a business decision to get involved on her behalf to close my checking account and telling me not to enter their bank. I will be filing legal action to sue wells fargo for defamation of character, XXXX XXXX  and XXXX XXXX. I have been patient beyond belief to no avail with wells fargo, they have pushed me to do this, they want to keep messing with my emotions. I can sue for someone falsely accusing me to take away something from you, this case my checking account. Wells fargo can not take away my civil rights. I was pressured by banker " XXXX XXXX '' at the wells fargo branch located on XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX al XXXX. My insurance company uses wells fargo for their bank, so i had to come in to cash it. This was in XX/2013 and this banker named " XXXX XXXX '' would n't leave me alone to open a new bank account. She also made fun of my sons facial expressions, this is unprofessional for a banker to do. I did not want a checking account with them but she kept pressuring me to open one anyway. And this XXXX banker employee kept running my son back and forth harassing him. And to be treated like this by wells fargo even though I did not want a checking account is a pure insult. All i wanted to do was cash my insurance check and leave.
In XXXX, my wife and I got a modification for our mortgages. 
From the XXXX bureaus they were reporting late payments. 
I pulled my credit report and the mortgage was supposed to be reporting positive but did n't. I called my lender in XXXX XXXX to find out why my loan was not reporting positive and was told that my wife filed a chapter XXXX in XXXX and they can not report any activity to the bureaus unless my wife 's attorney re-affirms the loan. Later on I filed an online dispute with all bureaus. XXXX updated the file and closed the account. XXXX did the same. XXXX verified the information and it remains. This has lowered my scores.
i am 7 years relationship customer with chase never pay late even once .but chase close all my account include a new ba airline credit card i even recieve at all and chase still charge me XXXX fee for the card i even touch.chase ask me pay for the fee first and promise refund me but it been 2.3 month already .i still dont see any refund.as a customer for 7 years never pay late with good credit history and good payment history.chase close all my account for some ridiculous risky reason like too many account and too much credit line as the superior told me over the phone. they dont even listen to me some of the account is from my family i am just additional user.this is not reasonable for me at all.they close 2 of my oldest credit card and leave some credit card close by bank on my report. this is really impact my credit report and my credit history.i hope chase can refund my fee and re open my account
I am a victim of identity theft due to fraudulent actions made by my ex-wife XXXX XXXX. As a result of the identity theft, which has been reported to all ( 3 ) credit reporting agencies in XX/XX/XXXX, I have made numerous disputes regarding the reporting of inaccurate information on formerly shared accounts with XXXX XXXX or existence of fraudulent accounts that were not opened by me. In XX/XX/XXXX I disputed the reporting for home address XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ) but the dispute that was made was not received by Ocwen correctly and incorrectly interpreted as an identity theft issue which does not apply to this account. Ocwen did not respond to requests to correct the dispute on their end that would allow their internal teams to know that XXXX is not an identity theft victim account and incorrect option was selected via the original XXXX dispute submission. Ocwen responded to the credit report dispute for XXXX by erroneously updating information for an unrelated, separate mortgage for a home that I own individually at XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Account # XXXX ). This account was correctly reporting to the ( 3 ) credit reporting agencies as an Individual liability, but following the dispute for Account XXXX has begun to report incorrectly as a Joint liability with XXXX XXXX. I have submitted online written requests via Ocwen 's website to correct this error so that Account # XXXX will be corrected with all ( 3 ) credit reporting agencies and report again as an Individual account/liability. 

XXXX XXXX and I have been divorced since XXXX. She has abandoned the property and all financial obligations, which has been formally processed with Ocwen via an assumption several years ago. XXXX relinquished her rights and liability to the property again in late-XXXX when the 1st mortgage for account XXXX was modified. All financial obligation for account XXXX ( payments ), deed of trust etc. for this home is mine and should only be reporting to the credit reporting agencies as an Individual account as it was previously reporting. Example attached of the previous reporting, showing on my XXXX report that this Ocwen account was in fact an individual account and reporting made by OCwen to the credit reporting agencies reflected this.
On XX/XX/XXXX, three checks were written from my account in the amount of {$600.00}, {$600.00}, and {$600.00}. The check numbers were XXXX, XXXX, and XXXX. On XX/XX/XXXX, two more checks were written from my account in the amount of {$800.00} each. These were checks XXXX and XXXX. All of these checks were not mine and were fraud. I filed a claim with Citizens Bank ( the bank which the account was hacked from ) on XX/XX/XXXX. The claim number is XXXX. Also on XX/XX/XXXX, I tried closing my checking account with the XXXX OH Citizens Bank branch. The bank tellers told me my account would be closed and that all attempts to take money out of this account would be put on hold. However, on XX/XX/XXXX, check XXXX was written in the amount of {$350.00}. On XX/XX/XXXX, checks XXXX for {$600.00}, XXXX for {$580.00}, and XXXX for {$520.00} were written. None of these checks were mine and whoever wrote them, spelled my name wrong on the signature line. I filed another claim with Citizens bank and that claim number is XXXX. I was told by multiple members of the claims department that an affidavit would be mailed to me and that I was to sign it and send it back to the claims department. However, the affidavit never came. I called the claims department on XX/XX/XXXX to have the affidavit resent to me and the woman I spoke to said she would have to email her boss to see if they can send another affidavit. She told me to call back Monday XX/XX/XXXX if the affidavit didn't arrive. The affidavit never showed up in the mail again. I called the claims department again on XX/XX/XXXX to ask for the affidavit to be sent out once again. This time the woman I spoke to said she would mail it out and that as soon as I get it, to have it notarized in the XXXX OH Citizens Bank  branch and then fax it to XXXX. This affidavit still hasn't come in the mail yet. 
I also have been charged multiple overdraft fees from my account due to these checks. I was told by XXXX of the XXXX OH branch that all of these overdraft charges would be refunded. On XX/XX/XXXX, {$1600.00} was taken from my savings account and transferred to my closed checking account to cover the overdraft fee. This transfer happened without my permission and I do not know who did this. On XX/XX/XXXX, I called the XXXX OH Citizens Bank branch and they did not know why this would have happened. 
I also have a paycheck that is still in my closed account that I can not transfer to my new account due to the fraudulent overdraft.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX - 60, 60, 30 days late XX/XX/XXXX - XX/XX/XXXX - 4x 30 days, 1x 60 days late PENNYMAC LOAN SERVIC Acct # : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.