WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized checking and savings account with XXXX. The checking account do n't belong to me. I have never opened a checking or savings account with XXXX.
When they changed my address they put a typo in your first name. Now the want me to send them info in the mail that Im not comfortable with, like my social security number. They ask for Id, s I dont have like bills with my name that are in my husbands name and aXXXX ; Im retired. The dozens of questions they ask for me to verify who I am are ridiculous. They seem unable to go back three months and see my correct name.
Purchased the house in 1988. I retired and could no longer afford the home. Contacted the mortgage co. to do a quick sale it was approved. Could n't sale because they wanted more than the house was worth per thier appraisal. Next they approved a died in lieu. Next they kept stalling. Said thier Attorney had to do a lien search. Came back and said XXXX XXXX XXXX ahd a Lien on the property. I have never had any loan with XXXX. So I had a Attorney run a search nothing. I ask for the report. They sent me a report ran by XXXX XXXX Mortgage in california. I called them, they could not find anything. XXXX me to the Company in Indiana, they found nothing. So apparently these papers they sent me are fradulent. What they sent me was something they typed up. There is nothing legal about it. My Attorney did not find anything, thier soppose mortgage co dod not find or know anything about this lien. XXXX XXXX has been out of business for many years merged with XXXX XXXX, they had nothing. Changed name to XXXX XXXX XXXX, called them they had nothingThis has been going on for more than a year. My credit is now shot. They approved the quick sale, but I can not sell it because it is worth XXXX but they will only accept XXXX had offers for XXXX. Now they are putting up all the obstacles to not do the deed in lieu. Since there is no lien. They need to get this done and over with.
I acquired {$4300.00} worth of furniture from Value City back on XXXX XXXX. I did not pay cash because I was offered a no interest promotion for the next 24 months until I pay all the balance off. Contrary to my understanding the promotion was with a third party and with a credit card with a 29 % interest from Synchrony Bank, which I got to know just when I received my first bill on XXXX XXXX. 

Anticipating all the hassle that a furniture return was going to cause, and because I liked what I got, I kept it, and started making my payments with the intention of paying the balance off during the next 24 months. 
Not too long after that, I agreed to set an automatic monthly payment from my bank to Synchrony bank and to receive paperless bills, so the payments were taken from my bank account every month. Everything seem to work well until a week ago, on XXXX when I noticed that my debt was still close to the amount where I started a year before. I called the bank and a representative informed me that I was supposed to pay the balance off on XXXX/XXXX/XXXX and because I did not, the interest was calculated since XXXX at 29 % and it is now : {$4100.00} I was surprised and I explained what the agreement was for 24 months but she denied it. I asked to be transferred with her supervisor and she transferred me with XXXX with ID. XXXX who told me that " she gets multiple calls like mine and she can not change anything '' she added " I can not help if you were not proactive with your account '' As my last resource I offered to pay, at that moment, all the remaining balance until XXXX/XXXX/XXXX, which based in my calculations was : {$2400.00} but she did not want to accept it. I asked her what else I could do to avoid paying almost {$2000.00} in interest, which I consider is not an honest transaction, and she did not offer any other option but to pay all what they are pretending. 
I was left hopeless and afraid of the consequences, since I have an excellent credit and I do not want to put my finances in jeopardy for something I consider a dishonest practice. I could even have agreed to pay the interest that had been charge for XXXX, XXXX and XXXX XXXXplus my balance until XXXX/XXXX/XXXX but no more than that. 
I found your web page and what you do, over the internet, and I regained some confidence. I hope you can help me to arrive to an honest agreement with Synchrony Bank. 
Sincerely ; XXXX XXXX.
There are XXXX state liens on my credit file. They are not my state liens. They are associated with another person at a different address with my name apparently. After telling this to the bureau over and over again, they have refused to remove it. I even contacted the courts and they stated that they do not communicate and verify information on state liens to the credit bureaus. And XXXX courthouse do not have anything with my complete SSN and address on file. So, I need to know how do the credit bureaus verify, especially if it is not through the main source. And, who gave them permission to do so, if that is what they did. it is obvious that they have the incorrect information.
I am a XXXX Veteran since XX/XX/XXXX ( approximately ) and because of this I am exempt from paying state property taxes. Freedom Mortgage ( Lender ) has requested paperwork stating my exempt status. I have sent them the paperwork three separate times and they say it 's not the right information. This is paperwork from country courthouse/government center and is the legal paperwork for this exemption. They are ignoring the status and since the acquisition of the house on XX/XX/XXXX have been charging property tax to the loan.
I breached my contract with XXXX and paid every penny owed to them on the bill received in including the penalties, and the bill from XXXX was clearly stated " last bill '' because I also knew it was the last bill of XXXX dollars. My service was switched over XX/XX/XXXX to XXXX and my tablet had also been turned off also, and that was my doing. 
I recently received a bill from a certain Convergent Outsourcing , Inc. to pay another XXXX dollars. Seeing the XXXX name on the bill also, I called Convergent, who told me that I had to pay. I told them it had to be a mistake. So, I sent Convergent proof of everything. 
Well, they insisted that I pay the fraudulent bill, because that was the order received from XXXX. 
So, I decided to call XXXX myself to get to the bottom of fraudulent bill. They could n't even tell me how it came about after spending an hour yelling at the representative from XXXX, who was clueless about the bill, and yet insisted that I pay it. I even asked to send documentation to XXXX, because the first set of documents were sent to Convergent, not XXXX. XXXX refused to accept the documents to prove that I do n't owe them anything.
I got a call from XXXX with a case number. The lady threaten to serve me and burn my house down. She threaten to abuse me at my employer. She told me information about someone that is other than myself she was trying to collect for. She did not verify any information. She started to scream and threaten profanities, threaten my life, my home, said there are items in the court record they are trying to serve me papers on. There is nothing. I dont have a credit card with XXXX XXXX. Nor have I ever. The debt if at all in question was deemed fraudulent.
Ally Financial called my parents ' home number which I never gave to them EVER to harass them about ONE late payment. I had already filed a complain against them for abusively calling my own phone number, so I assume they tracked down my parents ' phone number and decided to attempt reaching me by harassing them. Unacceptable and, in my opinion, worth being sued for it. When I called them to ask how they got the number when I never gave it to them they said they would not remove my parents ' phone number until they received payment. The representative was rude and then hung up on me. They have absolutely no right to harass my elderly parents who have NOTHING to do with my own accounts. And this came to happen with just ONE late payment that was n't even 30 days late yet. This is completely unacceptable. Late or not, they have always been paid and I have paid ALL late fees. This harassment MUST STOP.
After my bankruptcy was discharged in XX/XX/XXXX Ocwen Loan Servicing, LLC.sent me a document dated XX/XX/XXXX that stated as your obligation under the terms of the Note was discharged through bankruptcy you are under no obligation to Ocwen to make any further loan payments.Ocwen still posseses a lien against the property in the amount of the discharged debt under the terms of the Security Instrument ( mortgage or Deed of Trust ) you do have the option of making voluntary payments. I could not make any voluntary payments as I had just lost my job of 27 years with XXXX XXXX due to a XXXX XXXX operation Over the last 4 years Ocwen has threatened to foreclose which brings me to the filing of this complaint that is clearly a case of Deceptive Practice. 
I am now receiving disability benefits which will enable to pay my monthly payment of {$1100.00}
XX/XX/XXXX, I got the American Express XXXX XXXX credit card during a period when they were offering XXXX points after spending at least {$3000.00} in the first 3 months. 

XX/XX/XXXX, I met the minimum spend of {$3000.00}, less than 2 months after account opening. 

XXXX, I still had not received the points so I chatted online with a customer service representative who told me the points would post 6-8 weeks after meeting the minimum spend. At this point it had only been 7 weeks, so I waited a little longer. 

XX/XX/XXXX, still no points. So I chatted online and the representative told me the points should be there in 7-10 days but I might have more luck if I call the number on my card. So I did that. But this representative told me the same thing, 7-10 days. So I waited. 

On XX/XX/XXXX, still no points so I chat online and the customer service representative told me I had already received the points. After some 20 minutes of argument I realized that he was talking about a XXXX point referral bonus I was awarded for referring my boyfriend ( despite confirming at the beginning of the conversation, I see youre inquiring about the sign-up bonus ). So I give up on this guy and call on the phone. The phone representative apologizes profusely, tells me the problem has been escalated, it should be resolved in 24-48 hours and a supervisor will call me to let me know. 

XX/XX/XXXX I receive a voicemail from a supervisor named XXXX telling me that the problem has been resolved and if I have any questions I can call him at his extension. 

XX/XX/XXXX I look at my account, still no points. So I call up and tell the representative that I want to speak to XXXX. He tells me XXXX is not there but another supervisor will call me back in 24 hours.

XX/XX/XXXX 24 hours later and still no call, so I call them. The rep I speak to tries to argue with me that for some  reason Im not actually entitled to the points so I ask to speak to a supervisor. That supervisor tells me that Ill get the points by XX/XX/XXXX. This time I push very hard and explain what Ive already been through, that I dont really believe her because Ive been told such things many times now, and isnt there some way to just credit the points to the account now? No, I have to wait until XX/XX/XXXX and the points will be there. 

XX/XX/XXXX Still no points. So I call them up again. A representative named XXXX tells me there is a technical error and she does not know when Ill get the points. She can not give me a date. I 'm now wondering if I will EVER get these points, and I feel bad for those folks who literally do n't have the time to go through all this frustration and are forced to just accept that American Express has screwed them out of about {$600.00} worth of points.
I applied for a capital one platinum card as referred by XXXX XXXX on XXXX XXXX, 2017 and was approved for a credit limit of {$3000.00}. I was sent a card and upon trying to activate was told it was restricted and was sent to the fraud department. I was told I needed to verify my identity and was sent a link to my email to upload 3 documents which included : my driver license, my social security card and a bank statement with my current address. 2 days later I was called by a rep from Capital one who said that they received my documents but my account had already been closed and cant be reopened. They wont explain who and why my account was closed. It is on my credit report.
I have had a loan with Security Finance for over 2 years now. I have faithfully paid and renew my loan multiple times. One day I called to see if I was renewable and was told by XXXX that I was renewable for over {$200.00}. I told him i would be in on my lunch break to renew that loan. When i got there, XXXX told me once i renew my payments would go up {$20.00}. We signed the papers and i got the money. One day I was not able to make a payment on time, so i decided to ask for my principal and remaining balance. XXXX informed me that my balance was over {$1500.00} for a {$1000.00} loan, and I asked how it was that high because i had made previous payments before calling. He then decided to inform me that back in XXXX when he told me I was renewable for over {$200.00} that my loan was actually increased and not renewed. I then informed them through SEVERAL letters that I would not be paying that loan because I came in on the assumption of renewing my loan and not increasing because I could not afford a increase at the time. I feel like they were obligated to let me know that they were increasing my loan and not renewing it like they told me on the phone. By them increasing my loan without me knowing and having me come in on a renewal assumption I do not feel like I am responsible for that. They should have informed me. They call me several times and day and they call my job as well. The last person that called my job from there was XXXX and he had the nasty attitude with me and wanted to know why i had an attitude because i sure didnt have one when i came to get the money. I then informed him that I had an attitude because they failed to inform me that they were increasing my loan and had me come in on a renewal assumption. I however am still not paying them whatsoever with this loan and they have ran my credit score to XXXX. Is there anything other than not paying them that I can do about this situation?
Equifax reports me as being late on an XXXX XXXX XXXX Account XXXX. Once in XXXX of 2016 and again in XXXX 2016. XXXX never reported me being late and Equifax has failed to verify and correct but has not done so in 60 days.
This loan went into default. I have made several attempts to contact the case manager who if she isnt there I end leaving a voicemail that never gets returned. Then if I do get her on the phone shes rude and will not negotiate with me. In the past 6 months Ive offered amounts from {$250.00} a {$2000.00} just to pay up front and then setup a payment plan for the remaining balance. She is absolutely unwilling to accept anything less than {$4000.00}. I would ask her what my options are to negotiate with them, and her response is to take out a second mortgage on my home or withdrawal funds from my 401k at work! So I appropriate!! When Ive asked multiple times to negotiate something to setup an automatic debt she ends up hanging up on me. Then when I ask the company for another case manager, they just route me back to her. When I ask for a manager, I get routed to her again! I would think a company would take any amount of money to at least begin the automatic debt process.
IN REGARDS TO : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX TEXAS XXXX Investigation of an inaccurate item the account your company is reporting to the credit bureau is troubling. 
Because of this, Im requesting information about your procedures put in place to verify this charge-off account. You sent a non- detailed list of transactions on this account. Based on my research on the FTC site, I know they have strict policies in regard to you reporting consumer data. I know for a fact that furnisher reporting must be 100 % accurate. Please show me proof that your reporting of this account listed is 100 % accurate. Dont send me a generic print out or a billing statement like you have done once before. Your company claimed on the printout I received below if accurate on your accord you only received 2 payments but shows 4 payments made to the account in question and would have been charged off way before XX/XX/XXXX for non-payment and the date of last payment reported to the bureau would not have been XX/XX/XXXX. When the document shows the next due date was XX/XX/XXXX but no payments applied after XXXX.The scheduled payment amount has been altered from {$130.00} to $ XXXX.The account history status codes have even been changed to re-age the account. How is it possible for date of last payment to be XX/XX/XXXX and the first major delinquency reported is XX/XX/XXXX completely inaccurate reporting. The charge off amount of {$3200.00} is being reported as accurate as well which is frivioulous. CAN THEY FRAUDULENTLY DO THIS? inaccurately reporting fictitiously to Equifax which violates the FCRA and needs to be removed this is fraud being committed by the furnisher and the bureau. Its clear that the account is inaccurate because the CREDITOR did not have 100 % valid proof. If they cant prove that the account is 100 % accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA.Why did you do this? Do you know that you have just violated the FCRA, which carries a fine of {$1000.00} for violation reported? Im sure your company wont be happy that it has now opened themselves up to liability for such a small debt. Now, I will give you opportunity to fix this and make it all go away if you do the following : 1. Remove this illegal reporting from my credit report within 15 days from the moment you receive this complaint. 


If you choose to ignore my request, and keep the negative information on my report, I will do the following : 1. File a complaint with the FTC.

2. File a complaint with the attorney generals office.

3. File a complaint with the XXXX XXXX XXXX.

4.I have sought out legal advice for a possible lawsuit for violating my rights. 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF YOU CONTINUE TO VIOLATE THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ANY ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT OR CHANGE SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY FURTHER VIOLATIONS. 

PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE
Capital One has restricted my account to verify transactions. I appreciate and Thank Capital One for taking those steps to prevent fraud, though, it does not mean that Capital One has to give so much hardship nor do they need to mistreat, bounce the call and refuse to escalate the issue to the executive offices. These actions taken by fraud departments are unbearable and needs to STOP immediately. To verify my identity you will need to contact me on the number that is reported to the fraud alert with the consumer reporting agencies. 
( XXXX )
I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies Portfolio Recovery Associates, LLC XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, XXXX  and XXXX  ). All the 4 collection accounts where deleted by XXXX but XXXX XXXX and XXXX continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on theXX/XX/XXXX and i did not get any reply from them ( XXXX XXXX and XXXX ) and i sent a second follow up letter on the XX/XX/XXXX and still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed Portfolio recovery associates, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.
XXXX XXXX originally disputed my XXXX insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few XXXX dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department XXXX XXXX in regards to them not originally accepting my XXXX  insurance claim and refund of the several prepaid years of the insurance policy.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX, XXXX 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.
My property taxes were not paid and I received a tax delinquency notice from the Municipality of XXXX which assessed additional penalties and fees. I contacted my mortgage company who paid the taxes in full on XX/XX/2018 in the total amount due for the year {$1800.00}. I requested an escrow statement and received the same. I noticed that on XX/XX/2018 a tax payment of {$1200.00} was deducted from my escrow account. I spoke to my mortgage company who stated that the payment was made to Municipality of XXXX. I contacted the Municipality who stated they did not receive the payment and have no record of the check. I requested that Freedom Mortgage, my mortgage company send me a copy of the check to take to the Municipality so they can research. I was told a copy of the check would be sent to me via email by XX/XX/2018 and I also requested a copy be mailed to me. I have not received either as of today and when I contact my mortgage company, they keep stating that the check was sent to the Municipality of XXXX, but will not provide a copy. {$1200.00} is missing from my escrow account and my mortgage company will not give me a copy of the check or an explanation of where the money was sent. As of XX/XX/2018 I received a notice from Freedom Mortgage that I have an 'escrow ' shortage and they increased my payment by {$46.00} monthly to make up the shortage. I should not have an escrow shortage and want the {$1200.00} put back in my escrow account or returned to me.
I visited my doctor at XXXX for my regular checkup and as suggested did lab work at doctor 's office. This lab work is sent to XXXX labs for study. The XXXX related expenses are dealt by insurance and doctor 's office. 
The XXXX labs should have Forwarded the insurance bill to my insurance company and any thing from there should have been dealt by my Insurance and Doctor 's office. Instead they kept sending to me which i thought was already taken care by Insurance. They moved this amount to collections impacting my credit very bady and without my knowledge. When i got to know about this i did call up XXXX on several occasions and each time they misguided me and said Doctor 's office is responsible. This continued long when i brought this to my Doctor 's office they said to deal with XXXX. Only when i narrated this incident to my Doctor then the doctor 's office found out that mistake was from XXXX. 
I want correct reporting back of my Credit score and also would like to register a complaint against XXXX and their practices in billing matters