WillisBack/dataset-financial-user-claim huggingface dataset:
OK I gave these people everything now I want the name of the person and how he got my information. 
They replied after their investigation I am not responsible for the debt. 

Mr. XXXX, I have received the documents that you sent regarding your identity theft claim. To complete your ID theft claim with XXXX XXXX, please submit the following : Identity Theft Affidavit - A legible copy of a valid U.S. government issued ID ( drivers license, military ID, state ID card, passport ) Proof of Residency - Please provide a utility bill ( phone, electric, water, etc. ) which shows your physical address for the month of XX/XX/2016. Bank statements, credit card statements, monthly car insurance statements, etc. are also acceptable. The documents must have a billing/statement/closing date within the requested timeframe. The documents MUST show a physical address. PO boxes, etc. will not be accepted. 

This information should be faxed, mailed or emailed to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Fax : ( XXXX ) XXXX XXXX Thank you for your prompt attention to this matter. I will research your request as soon as I receive the documentation. 
If you have any questions please feel free to contact me at ( XXXX ) XXXX or by replying to this email. 
Thank you, XXXX XXXX Identity Theft Team XXXX XXXX, XXXX PART 2************************************************************************************* Mr. XXXX , I have received the documentation that you sent in regarding your identity theft claim. Based on the information and documents you provided, I have determined that you are not responsible for the XXXX XXXX account in question. XXXX XXXX will get the account removed from collections and from your credit history if applicable. Please allow up to 8 weeks for the account to be removed from your credit history. You will receive a letter by mail in about one week which verifies that I have approved your claim. Please keep the letter for your records. 
Please be aware that the perpetrator of this crime has your personal information including your name, full Social Security Number, and date of birth.

To protect yourself from instances of identity theft, XXXX suggests that you contact the credit bureaus to freeze your credit file. Links to their websites have been included below. In most cases, the credit bureaus will waive their normal fees for freezing your credit when you submit paperwork, including a copy of your police report, with your request. 
XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions please feel free to call or email me. 
Thank you, XXXX XXXX Identity Theft Team XXXX XXXX, XXXX ( XXXX ) XXXX
My husband was offered a job by a woman through the website indeed. She hired him and sent a check to him saying it was for computer software and parts he would need to purchase in order to start training. She prompted him to send funds to these people in exchange for their software. We deposited the check on a Friday and on Tuesday the funds became available to us. We followed the prompts and did as the hiring recruiter asked. All the Money was disbursed. The following day our account went negative. The hiring recruiter and check were a fraud. We contacted the banking center for help, the police station, XXXX XXXX ... .. no one has been able to help us resolve this issue. Our account remains negative. How can my bank release that full amount of money without seeing that the check was a fraud. I have sometimes had transactions that only partial money was released until a later date. This was not the case here so I never hesitated that the check wouldnt have been good. I have all documents, case numbers, contact info of the recruiter Any info you may need. Please contact me and help me resolve this issue. Thank you for your time.
My daughter had XXXX. She needed a credit card to pay her bill. I let her use mine which was suppose to be a one time thing according to the XXXX rep. My daughter did n't pay her subsequent bill and XXXX turned her account over to XXXX XXXX services and now it is on my credit report. I have never personally had XXXX and this should not be on my credit report since IT IS NOT MY BILL. Again, I was informed and promised by the XXXX rep that this was a one time thing and that it had nothing to do with me other than I was paying for my daughter since she did not have a credit card.
XXXX XXXX XXXX XXXX or XXXX XXXX is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its chexsystems they must purge my account or legal action may take place
Mortgage company refuses to disburse insurance proceeds and has been holding onto those proceeds while collection interest on our money. Are they in violation of any Federal Statutes? 

We have a VA backed loan with TruHome Solutions ( the mortgage company ), and they are demanding that we must use a licensed contractor with a signed contract, XXXX, waivers, etc, in order to receive incremental draws from the last $ XXXX check paid out by our flood insurance company. ( The outstanding balance of our home is around $ XXXX and our home is worth pre-flood $ XXXX. ) We have made multiple attempts to reason with them and in agreeing to take the incremental draws with periodic inspections as the work progresses. But they are adamantly refusing. 

Per the Texas Office of the Attorney General, Consumer Protection division, Texas does not require any contractor to be licensed. Nor do we see any provision in our signed deed of trust with the mortgage company that requires any such. In fact, section 11 of that document states in part, regarding Assignment of Miscellaneous Proceeds : If the property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lenders security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lenders satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. 

It appears clear to us that unless there is some other document we signed which states otherwise, TruHome Solutions is in breach of our contract in refusing to quickly inspect the property and release the funds. 

One other potentially noteworthy factor is that we are still displaced and are currently in the FEMA Transitional Housing Assistance program going on some 4+ months now. And while we appreciate the assistance, we would prefer to save FEMA funds and get back into our home ASAP. 

Thanks in advance for your help with this. Let us know if you need any more details.
I contacted this collections agency back in XXXX regarding the validity of this account. According to my FCRA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and Experian with no resolution because each organization states it is not their responsibility to report my payment. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX XXXX, the collection agency I paid in full is XXXX XXXX XXXX XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.
XXXX XXXX is reporting a account on all three of my credit reports that do not belong to me. I reached out to the company about this issue on XX/XX/XXXX to get the issue resolved but no one would help me. They are reporting this account as of XX/XX/XXXX
XX/XX/XXXX I was wrongly denied a legal loan modification agreement by Wells Fargo Home Mortgage for my FHA 30 year fixed loan. WF refused to rewrite the terms of my mortgage fairly by offering a FRAUD modification agreement under HAMP Trial Period Plan. I fairly demonstrated my eligibility during a trial period. I am requesting WFHM to provide a fair modification agreement to add the delinquent amount to my principle balance by adding 3 months to the term, keeping the same rate/not increase the rate ; along with removing {$30000.00} off of my principle balance by the XX/XX/XXXX due to their negligence or action will be placed. I will file this HUD and SIGTARP as well. 
As you can see WF offered a Home Affordable Modification Trial Period Plan ( HAMP ) Plan-see documents attached. As this program expired in XX/XX/XXXX. I contacted HUD as their confirmed this info. I informed XXXX with WF of this info 4 weeks ago as he indicated he would research as I havent heard back. Even though WF aware  of my financial struggle in trying to keep up with mortgage payments and lower income ; they never tried to sincerely and fairly assist me in a proper plan. I asked the counselor at the time XXXX XXXX if they could reconsider another program as this plan wouldnt help me WF adding SIX YEARS to my loan for being {$2000.00} short/delinquent or 2 1/2 payments behind. This seems as if its helping WF by XXXX. To XXXX due to the increase in term and rate. How would this help me? It helps WF $ $ $ $ I missed XX/XX/XXXX and XX/XX/XXXX payments due to a layoff. I contacted WF and was assigned to XXXX XXXX. I completed paper work. The fake program was offered. I also request to provide the terms and conditions along with APR, amortization as they refused to provide. The only provided the amortization and I received it AFTER they indicate they would provide before my MOD Agreement expired. I also asked to remove the MIP as they refused to remove and I am still paying on it. See attached. As you can see my payments NEVER DECREASED. My made up a lie and excuses by stating escrow increased. IT Didnt increase, My mortgage insurance and taxes DECRESED! Im exhausted with the unfair treatment and false actions and statements. Please review and let me know if my rights have been violated. Documentation is attached for your review. WF should be a part of a Class Action as WF continues to do whatever they want and I have no rights. WF never sincerely made an attempt to assist me, but bogusly sent fake info to set me up for foreclosure. Not fair.
At first xoom by XXXX had exciting prospects for me. I needed to transfer money to myself internationally. Once I made my first transaction I was contacted by xoom stating they needed my ID and a bank statement from my source account in order to complete the transaction. After providing my California ID I provided screen shots of my online bank account and affidavit. I was told that id was verified. however the affidavit and screenshots of my source bank account was not. Despite most financial institutions finding the supporting documentation sufficient, I was told a pdf file of my bank statement was need. As such a statement was not available for the current source bank account, I asked if it were possible to provide a new source bank account in which such a statement I could provide. The representative said that was absolutely fine.all I would need to do is make a new transaction using the new source bank account and provide that new source bank account '' s statement. As such, I did just that. I followed up and was told that the information can not be verified. This makes no sense as I submitted and official ID and bank account statement. All that was required for verification. When speaking with customer service no one seems to know what is going on. They claim they are not allowed to be transparent. 

My concern is that I provided my private information for the intended purpose o the transfer. After providing the two private documents necessary for verification, the company collected my private personal information and still did not allow me to proceed with the service such private information was intended for. Instead the company sends me messages and advertisements and fails to give proper reason why after providing such personal private documentation and information, i remain without access to service. I feel the private information collected was not used for its intended purpose and the company xoom has given to reason nor course for resolution
I have filed disputes online and mailed request to remove inquiries : Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX , XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX , XXXX. 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX
I recently checked my credit report to see accounts that were fraudulent, and are reporting to my credit report as if they are mines. I reached out to XXXX, they placed a fraud alert on my report and stated that they would get them removed haven't seen any improvement, Equifax has inquiries and accounts that aren't mines as stated on my identity theft report like XXXX, XXXX XXXX, and XXXX XXXX, and 3 hard inquiries that I didn't inquire about. XXXX  has the same info reporting to their bureau as well.
I am a current XXXX and also in the Military and work XXXX jobs and go to school XXXX I have had several issues pertaining to USAA Bank and paying my creditors accurately, they process the payment and then the creditor can find the payment. For example onwed eve XXXX XXXX a payment was made to XXXX with a confirmation number and they see the payment attempt and yet the money is still not posted to the XXXX account. Now my XXXX services are delinquent and suspended. 
USAA Bank also has for the past 3 months paid the XXXX and taken the money back as well as XXXX water for the past 3 months when their is Sufficient Monies in my bank account forcing me to accrue banking fees each time with USAA Bank and the creditors. 
When I call USAA Bank they cant find the money and accused me of using an old card that was cut up months ago moreover I can not speak to a Supervisor until XXXX hours later. 
This is very frustrating and would deeply appreciate your help in resolving this matter.
I was talked into setting up an online business by XXXX XXXX XXXX XXXX, and after that I got a charge for XXXX XXXX and I never heard of them. I never authorized any charge by them and I do not have any contracts or emails from them. They charged me {$5500.00} and I believe XXXX were the ones who charged my Bank Of America card {$5500.00} under XXXX XXXX.
I first consolidated my XXXX loans in XX/XX/XXXX, Citi bank bought the loans and I was currently enrolled in another school at the time, so the loans were in deferment for many years. Anytime I was not in school I did make payments, however once I completed my XXXX and was out of work, I put the loans in forebearance ... .or so i thought. I tried numerous attempts to make arrangements with Citi bank to cure my defaulted account, then finally gave up. Now they are over {$24000.00} and in collections- I just got the letter today XXXX/XXXX/XXXX. The wo n't work with you on anything. It 's either all or nothing. You are at their mercy.
I was served with eviction paper from a man claiming he bought MY home from American Financial. I have tried several times to contact American financial several times with no response. American Financial claims to have loaned money to my deceased husband. But all papers filed were dated after his passing. They refused to work with me because I was not on the note. The house is in my name solely. I never heard of any loan before his passing. Now this company sold mine and my children home. I am a young widow, with no money to even get an attorney.
I requested a transfer of Funds from HSA bank to another HSA account and a closing of my account. The transfer and closing forms were sent to me, to which I completed and directed HSA Bank to transfer to my new HSA account. According to HSA Bank, I needed to have a signature from the new HSA account holder to transfer the funds to which they advised me the funds would not be transfered without the signature. Ten days later HSA Bank sent the funds to my checking account without my authorization, which has potential tax implications.
I have a home loan with XXXX and Ditech Financial, LLC is the loan servicer. I had an insurance claim on the home and Ditech is holding the insurance funds. XX/XX/XXXX I submitted and Ditech approved roofing repairs to my home. The total cost of repairs was {$8600.00}. Ditech issued half payment ( {$4300.00} ) up front. The repairs were completed and now Ditech refuses to issue the full second half payment. Ditech did issue {$1600.00} in payment. They are currently refusing to release {$2600.00} in funds currently held in escrow to pay for the roofing repairs. At the time the second payment was issued, no explanation was provided. Communication from Ditech is non-existent even though I have repeatedly advised the company to contact me by email or telephone if there is a problem with my claim. As it stands right now, I am personally liable to pay the bill for the roofing claim even though Ditech is holding {$2600.00} in funds to cover this work. Ditech has no dispute resolution procedures and refuses to allow me to speak with at supervisor or manager.
On XX/XX/18, I wanted to check my FREE credit bureau credit report from TransUnion. In doing so, the first message was " error, information could not be processed or received, '' which had then led me to a sign up page. Without my knowledge, I signed up in order to view my credit score, only to find out that on my credit card, it had charged my credit card {$19.00}. This was unknowing and thus, has led me to make this dispute. The error caused my curious self to be out of {$20.00}, leaving me to be quite angry at the situation.
Threatened me by stating they were going to place a judgment, garnish wages, and freeze my account on me for a credit card from 2001 if I did not pay off. They had incorrect information about me this is not my account and even if it were they are not within the statutes of limitation.
XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX paid my rent on the third Wednesday of the month. XXXX XXXX on the XXXX of the month I went online to pay the rent. The manager had block the account. She had filed eviction notice. The lease was ending XXXX/XXXX/XXXX. The court agreement was I pay {$1600.00}. Later the manager did not agree. The complex want me to pay rent for XXXX, XXXX and XXXX plus a breaking the lease fee of {$1700.00}. They also want me to pay {$660.00} for a window. The manager did fix the problem in XXXX. She got some one to soak the water up. It rain again in XXXX durning the XXXX holidays. It was raining hard, the frame came loose from the wall. The office was closed. I purchase some sealant and seal the windows. They want {$140.00} for cleaning the carpet, {$170.00} for removing some items, {$100.00} door, {$100.00} blind. None of this was mention in court. I found out in XXXX XXXX, when I received a collection letter. I could not solve the problem with the new manager. The previous manager had been fired. 
The is a pending lawsuit in State Court in XXXX, Ga. The apartment complex was served on XXXX/XXXX/XXXX. They have not respond.
On XX/XX/XXXX I opened a Wells Fargo business XXXX XXXX with an attached offer of spend XXXX get XXXX back. 
On XX/XX/XXXX I made a purchase of XXXX on said credit card. 
On XX/XX/XXXX I did not receive the bonus offer of XXXX cash back. 
On XXXX I called and after being transferred around for over an hour and being told that I did not receive the bonus because it was not attached to my account, I did not make eligible purchases, and I was not enrolled in the correct reward program which they set up for me. They told me there was nothing they could do even though it was their fault for having two reward programs neither of which the user has the ability to pick from.
This debt is not mine. I sent the company a demand for validation to provide me Contractual Agreements for this account. They have not provided any validation. In turn they have continued reporting the account on my credit report thereby violating the FDCPA which is punishable by a {$1000.00} fine in court.
Since i have purchased this car i have been trying to get issues fixed. I can not get money back for the warranty that i asked to cancel over a year ago. They charged me a pickup payment that was paid that same day in the dealership. i want that back as well. They are charging me insurance when i have my own. They will not refund the money i had to pay them to get my car turned on for this so called insurance. They are not accepted to get my tag as well and i had to pay {$160.00} to get my car re-register. They are still demanding that i pay for insurance even though they have validated my insurance weeks ago.