WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of Identity Theft I have reached out to Equifax Credit Reporting Agency about my matter and they told me they would submit a dispute against the company. I have submitted to them a copy of my FTC fraud affidavit and the account is still showing on my credit report. According to FTC account should be removed immediately.
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.
my bank, Fifth-Third, charged me XXXX overdraft fees based on processing transactions from most to least. the total amount of my overdraft was less that the total amount of XXXX of the transactions, but because of how they process their transactions, I received a {$110.00} fee for overdrafting {$13.00}. I will provide screenshots of my account as proof. at the end of monday night, we had {$56.00}. tuesday we were overdrawn the {$13.00}. wednesday we were hit with the fees.
XXXX XXXX XXXX representative called to collect a debt and had the wrong address. Ive written emails to dispute however Im faced with several calls indicating I owe a debt.
I have been getting robo calls from Navient every day for past two weeks. Computer voice is asking for XXXX XXXX to call XXXX or go on line with Navient.com to fix or check account. There is no email address listed for Navient and all calls come in after company is closed so trying to respond to them goes to voice mail with no option of leaving a message. Obviously, a false account was made using my landline #.
In XX/XX/XXXX I had just got on my feet again, when I encountered an interest in a man unbeknownst to me was suffering from XXXX. Not only did he begin to rob me every payday but everytime I used my credit card to help myself. Eventually, In XX/XX/XXXX he was XXXX XXXX by my baby brother here in my yard. At the time I owed the XXXX but had no way to pay it after I lost my jobs, church affiliation and everything else it seemed. 
There was no victim assistance for the domestic violence I suffered and I have no way to pay this bill now. There is a judgement against in in this matter in the XXXX County Clerk 's office. As a tax preparer I know that the US allows for bad debt write offs, uncollectible debt tax credits and all other assistance. Please can you help me tell them.
For the past 6 months I have tried to communicate with Experian in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XX/XX/XXXXif the following 3 accounts are not deleted by XXXX XXXX. I have already waited 6 months!! <P/>XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX
I was just made aware by a credit monitoring alert that ERC or Enhanced Resource Centers, which shows up on my credit as Enhanced Recovery, has put a collection on my account for {$1100.00} on XXXX/XXXX/15. I have never been contacted by this company! And in fact this collection used to be owned by XXXX as a XXXX collections and they removed it from my credit in XXXX 2015 due to the fact that it is not a valid debt and the correspondence had been sent to an address I have n't lived at for 10 years, which is 6 years before I ever had XXXX. Not to mention what they claimed I owed was for receivers I sent back through the company 's mailing process and 2 months of service which I could n't have used since I cancelled it and I did n't have the receivers because I had moved from the service address.
Complainant was appointed as Conservator of a XXXX person in XX/XX/XXXX. Conservator account was established at Citizens Bank. On XX/XX/XXXX, the XXXX person removed the balance of the Conservator account and opened a new personal account in her name Citizens Bank. As the XXXX person has been adjudicated incompetent to handle her personal funds, Citizens Bank should not have allowed this. On XX/XX/XXXX, the Conservator discovered the withdrawal when attempting to pay bills. She worked with a customer service person at Citizens Bank, XXXX, MA, and most of the funds were recovered. The XXXX person 's new account was also closed and the balance of {$130.00} deposited in the Conservator account. The bills were paid. 
The XXXX person filed a complaint of fraud with Citizens Bank, and Citizens Bank debited {$130.00} from the Conservator 's personal checking account and placed it in the XXXX person 's reopened account. 
Citizens Bank had no authority to debit the Conservator 's personal account for any reason. 
Everything done by the XXXX person was done over the telephone.
I received both mail solicitation and telephone solicitation from Iconic Mortgage, Inc, a mortgage broker firm in XXXX Florida. They claimed to be calling me about a " new VA loan program '', a XXXX Hybrid loan. This is not a new loan program. 

After discussing further, the loan representative state this program would allow for a 2.375 % rate in the first 3 years and that in year 4, the highest the rate could go up would be 3.375 %. At this point, I would be able to lock in the 3.375 % rate as long as I had no 30day late payments. She reiterated that I would be able to lock in the 3.375 % rate in year 4 and that this loan would save thousands of dollars. 

I found many misleading statements that would have cost me thousands of dollars in additional debt. Here is a summary of the misleading items I identified after reviewing the documents they sent a notary out to my house to sign : The figures provided by the loan rep summarizing the loan were incorrect and misleading. Principal payment with the 2.375 % 3/1 Hybrid is XXXX/mo but I was told via email it would be $ XXXX/mo with over {$53000.00} in principal payment by year 4. 

After 4 years, my loan balance would have actually be HIGHER with this refinance by almost {$10000.00}. At this point, I would have been subjected to an adjustable rate when interest rates would almost certainly higher than current rates. My payment would have gone up and I would have paid less into principal. 

I was told this loan allowed for me to lock in a 3.375 % interest rate in year 4. I asked for documentation proving this. In fact, everything I was given stated I would be able to lock at MARKET RATES, which will almost certainly be higher than 3.375 % and my current 3.875 % fixed rate. 

The Lender Certification within the packet sent to me stated I would recoup my loan costs in 8 months because they used monthly savings that were my FULL Principal and Interest payment on the loan, not savings from my current loan. This is, at best, an egregious error and, at worst, intentionally misleading and possible fraud. 

Finally, the closing costs were outrageous. They were charging 0.25 % in points for the interest rate, which was never disclosed to me in our conversations or emails. They also had an origination charge of 1 % along with a {$590.00} " underwriting fee '', MUCH higher than costs charged by almost any VA lender. 

I believe Iconic Mortgage, Inc uses false and misleading statements and advertisements to lure veterans into a costly refinance where the mortgage broker, their company and the lender make money at the veteran 's expense. Other veterans without the experience and knowledge to identify these items would lose tens of THOUSANDS of dollars with a refinance like this. That cost would almost certainly go up over the life of the loan if and when interest rates rise above current rates.
I had applied for a student loan in the past but did not receive the loan. They have it on my credit report as a hard inquiry which is preventing me from getting future loans for my last year of school. I am asking for that to be removed
ON XX/XX/XXXX I RECEIVED AN ALERT STATING CONVERGENT OUTSOURCING ADDED A COLLECTION TO MY CREDIT REPORT FOR XXXX. I SPOKE TO XXXX AND XXXX AT XXXX. BOTH STATED THAT THEY RECEIVED THIS ACCOUNT XX/XX/XXXX FROM THE ORIGINAL CREDITOR XXXX  XXXX XXXX. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY. THIS ACCOUNT WAS REMOVED FROM MY CREDIT REPORT BY ORIGINAL CREDITOR XXXX XXXX   IN XXXX AFTER CREDIT REPORTING TIME OF 7 YEARS FROM 1ST DATE OF DELINQUENCY XX/XX/XXXX PASSED. I NEVER RECEIVED ANY CORRESPONDENCE FROM THIS COMPANY PRIOR TO THIS ACCOUNT BEING ADDED TO MY CREDIT REPORT. THE DATE OF DEFAULT XXXX TOLD ME OF XX/XX/XXXX IS DIFFERENT FROM WHAT IS BEING REPORTED TO THE CREDIT BUREAU OF XX/XX/XXXX. THIS ACCOUNT IS BEYOND STATUE OF LIMITATION IN MICHIGAN OF 6 YEARS AND CREDIT REPORTING TIME OF 7 YEARS. ALSO CONVERGENT OUTSOURCING INC IS NOT LICENSED TO COLLECT IN THE STATE OF MICHIGAN.
I recently received a statement on a " time-barred '' debt with a " thank you '' note on a payment in the amount of {$88.00} dated XXXX XXXX, 2015 that I never authorized. As a matter of fact, I have never talked to anybody in this company. I believe that this payment is fraudulent in an attempt to restart the statute of limitation 's clock and possibly sue me for the amount they claim I owe. This company called Midland Credit Management is well known for their deceptive collection practices.
ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.
On XX/XX/XXXX our daughter XXXX XXXX and left 3 student loans we had co signed for her to attend college. Shortly after her XXXX we started receiving multiple phone calls from American Education Services demanding payments. When we advised them of our daughter XXXX XXXX the phone calls did finally stop and we heard nothing for awhile until we received a request for a copy of the XXXX certificate in late XX/XX/XXXX to see if the loans would be discharged according to AES. In late XX/XX/XXXX we provided a copy of the XXXX certificate and wrote a formal letter requesting discharge of the loans. As of this writing all we have received is a copy of the promissory notes and not a formal written explanation as to why these loans can not be discharged since she XXXX XXXX. As a Military Vet who served this country honorably for 24 years its horrible to be treated so unfairly and without a genuine explanation. We are stilll trying to get over the tragic XXXX of our daughter and to have this held over is nothing but more stress and anguish.. Further information is below :.. 

XX/XX/XXXX AES notified all 3 credit reporting agencies the 3 AES loans were closed. 
XX/XX/XXXX AES notified us the loans were in forbearance for the next 60 days XX/XX/XXXX AES notified a 3 credit reporting agencies the loans were 60 days overdue and reopened the loans in a separate filing with all 3 credit reporting agencies cutting my credit score over 90 points. As of XX/XX/XXXX my understanding from AES was the loans were never discharged but their poor credit reporting led us to believe no payments were due.until we received a letter on XX/XX/XXXX stating the payments would resume in XX/XX/XXXX. AES needs to communicate clearly on what were suppose to do and not damage a credit report because they can on a dialy basis.....
I closed my account at Nevada State Bank in XXXX XXXX because I moved out of state. For some reason my bill pay was active and a payment was made from my bill pay in XXXX XXXX to XXXX XXXX for {$120.00} in which I no longer have their service. XXXX, XXXX core processor sent the payment to XXXX XXXX with no funds in the account because it was closed. XXXX has sent me XXXX letters in which I called them and explained the account was closed and they should not have issued the payment and they should get the funds back as I did not request the payment to be made. I received another letter XXXX/XXXX/XXXX from XXXX threatening to send me to collections if I do n't pay the debit by XXXX/XXXX/XXXX. XXXX should not have issued a payment with no funds in account they should have stopped it and I do not feel I should pay. If I have to assist with the return of the funds my time is valuable and they made the mistake. They said their system is set up to pay items even though no funds are in an account. They need a new system and that is their risk!
TRANSUNION has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that TRANSUNION HAS NOT under Section 611 ( XXXX ) ( A ) of the FCRA - TRANSUNION are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. TRANSUNION is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
Bank of America sold XXXX of my checking accounts to XXXX Bank in XXXX, Virginia, without our knowledge. They gave our SSNs, bank account numbers, names and address to a bank we had no affiliation with. When I questioned them, they said they sent us a notice. I did n't receive anything. XXXX weeks ago ( after they XXXX sold XXXX of my accounts ) I went in and closed it. I asked if they were going to sell the XXXX account and was told " no ''. Yesterday I received another New Account Letter from XXXX Bank saying they were the owners of my XXXX account. When I asked BofA why, I was told that because BofA was more than XXXX miles from my residence, they chose XXXX Bank that was closer to my home. I will close the second account next week, after my last payroll deposit hits the account. I think what they have done is illegal. It is unethical and quite simply unbelieavable. I had had XXXX of my accounts for 26 years.
XX/XX/XXXX - Lease company informed about Identity Theft ( Complaint Number XXXX ) - proof attached XX/XX/XXXX - Letter sent with Identity theft report sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( USPS XXXX ) - delivered XX/XX/XXXX - proof attached ) - $ XXXX violations when I never drove that vehicle, never signed lease for it XX/XX/XXXX - Letter sent with Identity theft report sent to Debt Collector - Transworld System , Inc ( USPS XXXX ) - proof attached ) With the above 2 letters I also sent the NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA document too which makes it clear that they not supposed to call / chase / harass me anymore and not supposed to add default notices to my credit report. 

They breach all the above obligations.
I was informed on XXXX XXXX, 2017 that Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. In response, I placed an initial 90 day fraud alert on my file. When I visited the Equifax website to see if I had been affected, I was informed that they had reason to believe my information may have been compromised.
I'm not an expert on this and I'm not sure how this can happen. I was shocked when I reviewed my credit report and found late payment on the dates below on my XXXX account. I made the payment but apparently it's not getting applied correctly. 

XX/XX/2018 XX/XX/2018 XX/XX/2018 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.
I went to XXXX on XX/XX/2018 to have XXXX. Sometime during my XXXX stay my phone and debit card were stolen. My phone was clearly not locked and someone took over {$1300.00} from my account while I was recovering in XXXX. As soon as I realized my debit card and phone were gone, I traveled to XXXX XXXX California when I had the energy to which was just a couple days later. I acquired a phone and immediately informed Bank Of America about what had happened. After I got to my hotel in XXXX XXXX, I logged into my account. I saw a bunch of transactions including some that werent approved/didnt go through. My plan was to be in XXXX for two weeks, this completely ruined our trip, and I was in so much pain on top of it. A day after I submitted my claim to Bank Of America, they put the funds back in. 

I thought everything had been taken care of, but then they withdrew all of the money without notice to me about 30 days later which put me in more serious banking trouble because they did not inform me that was going to happen or give me a heads up. I calle them immediately, they said that they didnt believe it because whoever stole money never checked the balance and there should have been more transactions on my account at the time. When I logged in, there were a TON of transactions that were pending ( that first day I was able to log back on ). They are lying and wont give me my money back!! 

Since then I have called Bank Of America, faxed over proof of why I was in XXXX including XXXX papers protected by HIPAA. I have tried to get a police report here in XXXX XXXX where I live however they did XXXX due to the incident not happening in the city limits. Every time I call Bank Of America they say they have no information for me except that they have escalated my claim. But it is been over five months since this occurred, and I want my money back that was stolen. I have done my due diligence and Bank of America hasnt done anything except not cover someone stealing my money like they are supposed to, and put me more in the negative when they took my money back. I have been with Bank of America for a very long time, they have been a horrible Bank in this experience. Please help me.
Credits post before Debits always. PNC Bank makes my deposits available the next day. PNC charges fees when my balance is not overdrawn or Uncollected. Also PNC has a system of paying the highest check so more items are returned and generate more fee income for the bank
On Wednesday, XXXX XXXX, 2015 I submitted a change of address to XXXX ; TransUnion and XXXX XXXX informed me It would notify TransUnion and XXXX. To-date, my change of address has NOT been updated. Old Address was : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX and mailing address : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
Apartment # XXXX XXXX, XXXX XXXX XXXX mailed me an annual free credit report on XXXX XXXX, 2015 with my new street and mailing address which are the same. 
I telephoned XXXX and left countless voice messages to XXXX XXXX XXXX at XXXX regarding the update of my new mailing address but she never returned any of my calls. The XXXX online and telephone system will not allow me to access its system to make the address changes. The last time I attempted to speak with XXXX XXXX was XXXX because I simply tired and gave up. 
The same is true regarding TransUnion I can not access my online credit history to update my current street and mailing address. I also need an annual free Credit Report and free Credit Score from both XXXX and TransUnion. I also need the new toll free telephone numbers for XXXX and TransUnion to Temporary Lift Freeze from my permanent credit history accounts without having to speak with a live representative that will charge me money.
On XXXX XXXX, 2017, I received notification from XXXX that my credit had been pulled for approval of new accounts. This was one of many as I was a victim of the XXXX data breach and had several accounts through several companies opened in my name. So far, they have all been resolved except XXXX. Here is an outline of events. 

1. XX/XX/XXXX - I received my first notificaiton that something was off. Credit was pulled on XXXX XXXX according to paperwork received from XXXX. 

2. XX/XX/XXXX - I sent my first communication to XXXX. Spring has no fraud department contacts you can reach via telephone. Literally could not get anyone on the phone to speak with about this so I sent an email from my work account. The email was sent to the " XXXXXXXXXXXX '' address. 

The first rep to reach out to me had the name " XXXX XXXX '' from the Credit Business Operations department. She asked to provide my name, phone number, and address. I sent that same day. 

A second rep from the company whose name only came across as " XXXX '' from the Credit Business Operations department directed me toward a link where I had to fill out a packet and mail it to XXXX. The packet had to include a police report and other signed paperwork. 

3. XX/XX/XXXX - I had already had a police report filed through XXXX Police department ( XXXX, OH XXXX ). This report was for an XXXX account that was opened and the situation handled. I appended the XXXX account to this police report so that I would have it for XXXX. I filled out the paperwork and sent it in as well. 

4. XX/XX/XXXX - Not hearing anything from XXXX in almost a month, I reached back out and let them know that I would be looking into getting a lawyer if they would not assist me. They told me they would escalate the case and open the investigation on their side immediately. They never acknowledged receiving the packet and I feel it is lost in transition somewhere. This response came from " XXXX XXXX. '' in the CBO office. 

5.XX/XX/XXXX - Still hearing nothing from XXXX, I emailed yet again ( as I mentioned above, no number to call and they wo n't connect you to anyone from the customer service line ). The rep was " XXXX XXXX. '' again who told me to go into a XXXX store to speak with someone. 

This has been the most frustrating and inconvenient experience ever. It 's bad enough that someone stole my identity, but then XXXX makes it impossible to get it resolved. They now have my account in their collection department " XXXX XXXX ''. I spoke to a gentleman there who notated the account of what was happening. He was actually more helpful than anyone at XXXX. My account is still opened with their credit collection department and I 'm at a loss at this point. This post was created XX/XX/XXXX.
There is incomplete, outdated, and incorrect information reported on accounts that are reporting on my credit report. The accounts are : XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XXXX2016.
I have 2 items listed on my credit report as collections from the Company XXXX XXXX ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the XXXX XXXX agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.
I am unaware of this account being opened on XX/XX/, 2013. It is showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.