WillisBack/dataset-financial-user-claim huggingface dataset:
I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR ONE OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there - one of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my info When I receive a tax notice from the Commonwealth of XXXX using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than 8 years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year 2010 when that is n't true - this is something I 've just recently put two and two together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theft When I get a letter from XXXX Food Stamps agency that says my application file was accidentally opened and opened by an agency in a different county than mine...
Every year since  XXXX ,  XXXX  charged me for software automatic renew service, I disputed with them successfully for 3 years consecutively, I disputed the same charge successfully in year  XXXX ,  XXXX ,  XXXX . This new year  XXXX   XXXX  charged me again on citi dividends master card automatically for no reason, I had discontinued the  XXXX  software service since  XXXX . By now they still charge me this every year! And cities bank card still try to collect more money beyond the   XXXX   XXXX   XXXX   charge, they add delay fees etc. It is ridiculous!!!        XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX
To avoid foreclosure XX/XX/XXXX Caliber Home Loans offered us a loan modification contract in which we had to pay 3 monthly trial payments of a certain amount, on time every month. We made our payments on time and the modification never happened. They sent us another agreement and another and another over the course of a year. When we went to make our payment for XX/XX/XXXX, the person on the phone said that the home had been foreclosed on and sold on XX/XX/XXXX. We had been led to believe that we were making monthly payments and working towards a modification when in reality CaliberHome Loans did what is known as " dual tracking '' and sold our home out from under us with no notification, no monthly statements breaking down our payments, no copies of the contract we signed, and no effort to make the modification we had been promised happen.
I advised XXXX that I wanted to stop any automatic withdrawals from my banking accounts on XX/XX/XXXX. Since this time they have taken out four additional automatic withdrawals on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX totaling more than {$600.00}. One of those was taken out even though I had a payment arrangement with them and two have resulted in insufficient funds fees of XXXX each. I am now sharing an account with a family member and did not want them to know about this loan. When I called them and asked how much my original loan was for, how much Ive paid back and what my balance was, they could not give me this information. I had issues with XXXX before and made a serious error in judgment by going back when I was told that things had changed. These errors are their part have resulted in my family member being aware of my loan and of additional expenses. Everything Im telling you can be verified if their calls are recorded.
I sent Experian, XXXX, and XXXX  a debt validation request several times about two accounts. Those accounts are XXXX XXXX and XXXX XXXX XXXX. I have informed this credit reporting agency that I do not have any knowledge of those accounts and I have asked for them to send me written agreements from these companies because this is not my debt. I recently tried to dispute these accounts again and Experian, XXXX, and XXXX responded that they are not going to re-investigate my dispute. As a consumer, I do not think that is fair for credit reporting agencies to report inaccurate information. Items contained in a person 's credit report has an affect on housing, employment, and any other personal needs. I have been disputing these accounts every 30 days starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more recently in XXXX. I sent these request for investigations on these accounts using certified mail and to date, I have not gotten anything to show that this debt belongs to me for these accounts.
XX/XX/XXXX my rate reduction plan was extended. This was confirmed after an extensive financial information check by Navient with myself and my consigner. I received a verbal approval from both the representative and their manager plus was given a confirmation number. I verified my banking info and was checking the correct amount came out my account each month since then. Per the conversation in XX/XX/XXXX this plan was set to last 15 months. 
Today, my consigner 's wife informed me Navient called. I called to check in and make sure everything was all set and was told my account was delinquent. I verified my info and the collections department told me my plan back in XX/XX/XXXX had been denied, but I had not need contacted and they had continued to take out the agreed upon amount. I asked to be connected to be connected to the rate reduction plan line and the 90 day delinquency department refused. They told me I must pay the amount they ensured me I was unable to pay months earlier. I was told someone was supposed to follow up with me but never did. They had no documentation on why I was denied or why I was not contacted.
I became behind in my payments and sent them ALL of the information for a modification and they kept kicking it back saying they either did n't receive the information or it was n't complete. The last time I submitted the information they stated they received all of the information but did n't receive it in time. I then received a foreclosure notice but filed bankruptcy to keep my house. I was supposed to make my first payment XXXX XXXX but they have deactivated my account AND I am unable to make a payment. Additionally they are n't taking my calls or my attorney 's. I believe this was deliberate ploy to take my home because they are getting paid for loan especially if it is an FHA mortgage. They are doing things that should n't be done and it needs to be investigated.
I HAVE BEEN A VICTIM of XXXX AND EXPERIAN AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX  AND WILL WORK ON EXPERIAN BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL
There is multiple loans showing up on my account with many different balances as well showing that there is a lot of different creditors which is also duplicate charges that should not be showing on my account also they did take taxes which they stated that the payment was submitted to the department of education
I signed a lease with my daughter in 2015. I received a demand letter from the apartment and replied immediately asking for more information. They did not respond and sent the file to collections. Rent Recovery contacted me XX/XX/XXXX and started reporting the collection on my credit report even though I have communicated my position in email and on the phone. They refuse to review my argument and have told me that the apartment does not have to provide any proof of the damages. 

I do not feel I have any responsibility for the debt and my argument is documented in my XX/XX/XXXX email to Rent Recovery. Please review the attached emails.
The attached documents proves that XXXX XXXX, XXXX XXXX and XXXX XXXX are guilty of violating the FAIR DEBT COLLECTION PRACTICE ACT and breach of contract. This case is still unresolved to date ( XX/XX/XXXX ) for they refuse to submit the required document stating the payment has been satisfied and releasing driver 's licenses from suspension and accident block. 

The letter from National Commercial Services ( NCS ) clearly shows the amount for which suspension was based and date of requested suspension. The payout summary and repairs supports the claim ; and the receipt shows that amount paid in full prior to the date of suspension. 

On the XX/XX/XXXX XXXX wrote to me " Thank you for your payment. We will credit the account accordingly. The department of Motor Vehicles will be notified of complete payment once posted in the morning. You will receive notification accordingly in regards to the completed release. Thank you, XXXX XXXX '' That agreement was breached by her failure to credit my account and notify the DMV as promised resulting in driver 's licenses suspension. To date she has not done so. 

I hired Attorney XXXX XXXX who contacted XXXX and paid what was demanded as outstanding ( {$130.00} ). Those monies were paid on the XX/XX/XXXX with the promise from XXXX " The DMV would have your release within 5-7 days. She ( XXXX ) emailed me ( Attorney  XXXX  ) the receipt for the payment already. '' Again, to date the DMV has received no such document of release. Again, XXXX has lied and has breached another agreement. 

We have suffered immeasurable amounts of stress and our ability to conduct and improve our livelihoods have been stifled as a result of these breaches.
In XX/XX/XXXX, Chase Bank claims I allegedly defaulted on debts on XXXX separate accounts. In XX/XX/XXXX, they attempted to sue me. Having never been served with papers, Chase moved forward with the court date. Having no knowledge of the court date, I was in default judgment. Once I received a copy of my credit report, I noticed a judgment on my credit report. When appearing in court, I researched the initial filing by Chase bank as they sued me in lump sum of all XXXX accounts. The case was discontinued in XX/XX/XXXX by Chase and subsequently thrown out by the judge. In XX/XX/XXXX, I received XXXX form XXXX 's for XXXX of XXXX accounts. According to my accountant, I had to claim it as income earned and paid taxes on it. After sending multiple dispute letters to the credit bureaus, Chase eventually adjusted the balance to {$0.00} with the bureaus. After filing another round of disputes, Chase placed the original balance BACK on the credit report. They refuse to take it off, and claim the money is still owed however have no proof of how I owe the money and if I would like to voluntarily pay the balances ( after filing the XXXX ) they would remove the debt from the credit reports. When the account was at {$0.00} my fico score was above XXXX. Once they updated it again as bad debt, my credit score slumped to low XXXX 's. Banks are refusing to underwrite a loan because of them. PLEASE HELP!
I applied for a Citi Gold checking account in XXXX/XXXX/2016. Citi offered {$500.00} cash bonus if I fund $ XXXX to my account and maintain that minimum balance for 30 days and the bonus should be posted within 90 days afterwards. I fulfilled all the requirements and now after several phone calls Citibank refuses to honor the bonus.
Hi, I have been paying for 8 years and 11 months on my XXXX and XXXX mortgage with no payment issues. My credit is flawless. I just became aware that my XXXX mortgage is going to adjust after 10 years and this will cause XXXX payment to go from {$1400.00} to nearly {$3800.00}. My XXXX also has a balloon that will come due in 5 years although the note has no term defined in the signed note. The combined mortgage payment will far exceed my ability to make payments. I reached out to Wells Fargo, ( my XXXX mortgage ) today and they can not do anything proactively to adjust my loan. My intention is to not have any lates or payment issues. I have an excellent job and am planning to live in my home with my wife and XXXX kids well past when they move out. I am open to look at financing and re-structure but it appears this can not happen until after is adjusts or I start missing payments. My equity position is far under water. Details : First mortgage XXXX owed Second mortgage : XXXX owed Approx value of property : XXXX Any help would be greatly appreciated!
I received a letter in the mail from a collections company in regards to an unpaid balance of {$80.00} from Suntrust. Once I called XXXX XXXX XXXX in MA, they informed me that I overdrew my Suntrust account which was opened in 2012. They do not have any details on if money was ever entered into the account or withdrawn? I was astonished because I have never been a member of Suntrust. My next step was to call Suntrust, who I explained my situation to. They transferred me from department to department several times before I ended up initially where I placed my call. The representative then said she was going to get her manager for assistance and hung up. I have tried calling XXXX more times and the same exact thing happened! Finally an agent placed a claim and told me I would hear something back in 24 hours, which never happened. I asked them to delete the bank account and contact the collection company, which has not taken place.
I have sent numerous requests to this company via certified mail and through the credit bureau requesting proper validation. Each time the company ignored my request and sent the same itemized bills. The have not provided me with documentation showing any type of agreement between me and the party. After doing research on this company this company has been in many lawsuits and is in one as of today for taking away consumers rights.The court documents stated that midland claimed to have a copy of the " consumers who " owe '' them. I requested a copy of this agreement was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. They 're know to bully consumers all the time.They claimed that on XXXX XXXX,2014 they mailed me a validation letter. I will like to see where i signed for a certified letter from midland. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.They are in Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited toSection 623-b ) I have attached a copy of theFTC opinion letter, a copy of my letter and you can look at case numberXXXX on their poor response and their itemized bill from XXXX XXXX XXXX again.
Our office has been attempting to have a short sale reviewed on this property. Every time I have called in to the main Loss Mitigation number at Ocwen, I am advised that there is a specific person handling the file, and the main department is not able to help me out. I have attempted numerous times to reach my " single point of contact '' but have not gotten a call or email back. This short sale was submitted in XXXX and there has been no movement at all despite contacting presidential escalations.
incorrect information submitted on my personal credit report, supplied proof to credit bureau experian who continues to refuse to update or delete the incorrect information.
I have submitted several request to XXXX, XXXX and XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XX/XX/XXXX payment history on credit file show XXXX having been 60 days late. Date of first delinquency XX/XX/XXXX payment history on credit report has XX/XX/XXXX being the first reported delinquency.
XX/XX/2016, I was notified by local SSA office the trust account SSA was investigating found {$160000.00} missing and was told it was a loan. I phoned suspected person, and was told additional {$12000.00}. was taken from son 's trust fund also. 
Below, I have attached documents, and will be filing separate claims with this agency in an effort to have trust account bank 's cooperation in verifying all accounts associated with major trust account, to return all of our money.
I 've reported a number of complaints to CFPB regarding Chase Home Mortgage. My home was sold in XX/XX/XXXX through a negotiated short sale with Chase Home Mortgage. The sale closed as a short sale, there was no XXXX and Chase never took possession of my house. Chase continues to report this sale as a Foreclosure and I 'd like to understand why they are permitted to do so when none of the elements listed by the FTC as constituting a foreclosure occurred? Chase is retaliating against me and holding me hostage in my life by purposely and intentionally trying to damage my credit. A short sale is only to be reported for XXXX years and Chase is incorrectly reporting a foreclosure on my home when they do not dispute that the sale of my home closed as a short sale with no bank possession or sale. Why is the CFPB and the FTC allowing this behavior by a financial institution? I 've never had any other negative items in my credit history. In responding to my complaints to the CFPB, Chase continues to call me only to check the box with you bureau and only to say they are reporting correctly and refuse to change it. What are we to do as consumers? There is no dispute and ample proof that my home closed in a short sale with none of the elements listed by the FTC as constituting a foreclosure. What is a consumer to do? 
This is what XXXX is reporting from Chase regarding my home : Account DetailsLast Reported XXXX XXXX, XXXXCreditor Name CHASEAccount Type Conventional Real Estate MortgageAccount Status Closed - DerogatoryOpened Date XXXX XXXX, XXXXClosed Date XXXX XXXX, XXXXLimit -- Term 30 MonthsMonthly Payment $ XXXXXXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXXXXXPayment Status XXXX Days LateWorst Payment Status XXXX Days LateDate of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXXTimes 30/60/90 Days Late XXXX/XXXX/XXXXRemarks Foreclosure discontinuedThey " referred '' my file to their foreclosure department after Chase agreed to a short sale and the short sale closed - how is this legal? They are preventing me from obtaining financial backing in my professional and personal life and lawyers tell me there is no basis to sue - not because of Chase 's conduct, but because the CFBP has not enforced any regulations against the banks for their misconduct. The FTC should remove their instructions to consumers on how to direct a lender to correct false information regarding their mortgage because Chase has refused to follow the FTC requirements - so what are consumers to do at that point?
Wells Fargo is misapplying payments across two student loans and charging unwarranted late fees. This is an ongoing issue with Wells Fargo. 

The most recent occurrence involved full payment to them on XX/XX/XXXX, and then receiving a letter stating they are imposing a {$140.00} late charge on XX/XX/XXXX.
On the equifax credit report as addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have never lived there so I 'm wondering if someone is stealing my identity for their personal gain. Please let me know what I can do to help facilitate in resolving that issue. Thank you for your time.
About 2 weeks ago a deputy officer came to my house knocking at my door saying I owed money to a company. I did not know what he was talking about. I did not not received any notice from any company and the officer could n't explained either, he assumed I knew and started saying he could take my property and sale it in an auction or seizure my wages. Officer is from XXXX XXXX, constable, hes name is XXXX XXXX XXXX. He later sent an unofficial letter to my house with a case number. I went to the court to request a copy and found out that XXXX XXXX XXXX XXXX using the services of XXXX XXXX XXXX XXXX is the company trying to recover an old debt they bough from another company and that is not mine. The debt is from before 2006 I believe  according to what I read on the documents. I never applied for any loans or credit cards to any financial institution mentioned on the documents and I did not even have any credit at that time, nor good or bad, I just did not have credit. I am already filing for identity theft and I already did report the case because I do not want to pay for something that I 'm not responsible for.
I 'm having trouble removing PMI from my mortgage. I have met the conditions that were provided to me by my mortgage company ( 20 % equity based on most recent appraisal as well as not late payments ).
On XX/XX/XXXX I received a letter stating the criteria for removing PMI ( which I meet ) and then they state that they were unable to approve my request because I do not meet the two-year seasoning guidelines. The letter provided no explanation about what this meant. When I called the rep said that I needed to have had the loan for 24 months in order to remove PMI. I 've had the home for three years now and refinanced a little over a year ago. Until my request to remove PMI I had not ever heard of a 24-month requirement in order to remove PMI.
I 'm frustrated with this decision to not remove my PMI. I feel that I 've met all the criteria that were presented to me when I refinanced and when I asked freedom mortgage how to remove PMI. When I asked what I could do they told me that PMI would be removed in XX/XX/XXXX. I find this unacceptable and deceiving.
Compass bank is unfair and unethical. I have overdraft protection from my savings account. I pay a XXXX fee for the transfer which is fine. However, I overdrew my checking and funds moved from my savings. I paid an nsf fee because my od transfer was not enough. That 's fine the kicker is I paid the XXXX transfer fee and because my account was still overdrawn I paid an nsf fee on my overdraft transfer fee. I 'm having to pay a fee on a fee.
CitiBank automatically set up a transfer from my Citi Forward card to a new credit card they created called the Citi ThankYou card. In the process of doing so they left bard cards active and set up a process of transferring purchases from one card to the other. Since both cards were technically active they then charged me duplicate interest charges. When I questioned them as to why I was charged interest on my Citi Forward card they said it was because it had a balance, yet they also said that balance was transferred to my Citi ThankYou card. I  had called them days before the interest was to be charged and they said to not worry about it and that no interest would be charged. But, when I called in after seeing they charge they told me the interest charge was valid. I feel like they are both taking advantage of me and also displaying inaccurate/confusing/malicious information on my account website. I also worry they are harming my credit score because of the 2 duplicate balances being reported. I 've attached screenshots where you can see I 'm being shown duplicate charges and duplicate interest on both accounts. They post that during transfer consumers will be shown inaccurate information, yet I have no way of knowing what is accurate as each time I contact them I 'm told something different.