WillisBack/dataset-financial-user-claim huggingface dataset:
I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. XXXX is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to XXXX, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against XXXX  and against XXXX XXXX. I have also filed a CFPB complaint against XXXX. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my XXXX report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to XXXX   that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX   is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my XXXX credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.
Portfolio Recovery is still reporting a collections account as opened. This was taken care of in the past as my other credit report shows and the XXXX credit bureau has removed the trade line completely. The balance is zero on the account yet it shows as the account is still open.
I paid $ 50k approximately for a used rental XXXX XXXX ; that is only reported being sold as $ XXXX ... Apparently the maintenance and detail purposely ruin the vehicle even more based off my readings and personal experience. Now after three days in the shop, they 've destroyed my interior, exterior, and engine! The interior they replaced the mats with older ones, stained them, stained the inside AND EVEN PULLED THE LEATHER!! I 'm the only person that sits in this car, there 's no way that just happened! The exterior now has numerous scratches that were not there! AND THE ENGINE NOW MAKES NOISE!! XXXX EQUALS FRAUD ABUSE AND WASTE!!!
this has been ongoing for several years now. I have reported this company before. They call my house starting at XXXX and continuing till XXXX or later. They have been told by me that the person they are looking for does not live here. 
Company name is Portfolio Recovery. They call from many different numbers. Last 0ne was XXXX.
Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and XXXX, Experian and XXXX stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CARD SERVICE XX/XX/XXXX 2018
I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements  and tax liens must contain minimum identifying information. they could not tell me how they verified the information.
Hello, My name is  XXXX   XXXX . I have a  XXXX  account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due Date: XXXX  I re-consolidated my loans after they were damaging my credit back in  XXXX  of   XXXX  . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to  XXXX  was at  XXXX . The  XXXX  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX
I am a victim of identity theft. The following accounts and credit inquiries listed on my Trans Union credit report are all fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.
TransUnion still reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX and XXXX.
When I began gender transition, and changed my name, my bank began becoming more hostile to talking to me on the phone. They told me I did n't sound like a [ my name ], and would become upset with me. When I tried to get to the identity verification process, they asked me to email them court orders, drivers licences, social security cards, and I have done all of this, and they have sent me a token ( like an RSA token ), but they forward me every time I call them to an extension that drops the call. 

I have been unable to access my bank account via my phone or via my computer login now for over a year because they view me as being " suspicious. '' The only way I am able to access the money in my account is with my debit card and with direct deposit into that account. I only assume that purchases work. 

This bank does not have local branches so I can not walk into a branch and show that I am who I say I am. 

Compounded by this, I used this bank for my auto and renter 's insurance. I no longer have access to any of this, which I accessed through the app on my phone, and all of the above has lapsed, and I can not verify who I am on the phone.
I applied for a Merrill Lynch credit card on XX/XX/XXXX and was approved on XX/XX/XXXX. I was supposed to receive XXXX points after spending {$3000.00} in the first three months. You can use XXXX points to buy an air ticket up to {$1000.00}. After I spent {$2900.00} in the first month, the bank decided to cancel my card without any warning or any explanation. I called on XX/XX/XXXX, and  was informed that my account might be reopened if I go to a financial center and bring two pieces of ID and proof of income to be faxed to that department. I went yesterday to XXXX and talked to XXXX XXXX. I brought 4 different forms of ID : my DL, my " green card '', my social security card, my XXXX trusted traveler card. I also brought my marriage certificate, and two years of my tax return transcript downloaded from the IRS. On XX/XX/XXXX, that office has informed us that they had received no fax, and I had to go again. Later on XX/XX/XXXX, I received a call telling me that they were unable to verify my identity. The manager XXXX XXXX told me that their system can not verify my identity and my account will remain closed. I have accounts with at least 5 other banks and none of them ever questioned my identity. I believe that they created this excuse to deny my signup bonus. They refused to tell me what it wrong with my documents and made me feel as if I am a thief. I believe that they selected me because of my XXXX last name. My husband, who is not XXXX, opened the same type of account earlier this year and they gave him the bonus without ever questioning his identity.
On XX/XX/2018, I received a notification from XXXX, an OMP cyber   incident monitoring service which identifies possible fraudulent activities on one or more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to Experian to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

Experian refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.
The website will not allow me to make payments. Every time I try I get an error alerting me that the option is n't available at this time. I first contacted Capital One in XXXX regarding this error and they had no solution except to make payments over the phone. Up until that date I had made the payment every XXXX of the month without exception. I was forced to make a payment over the phone on XXXX on the XXXX and was charged a late fee. The rep assured me the problem would be fixed soon and removed the late fee. For XXXX and XXXX I again had to make the payment over the phone because the online system is still not working. For the XXXX payment I attempted to make the payment online and was denied that service again so I went to make the payment over the phone. What Capital One failed to disclose prior to that phone call is that any payment made by phone after XXXX would not count as same day but would be posted next day and I would be subject to a late payment even though I made the payment at XXXX and was forced to do so because their online system was still broken. It is XX/XX/XXXX and they have in fact charged me a {$35.00} dollar late fee. I have attempted to contact their customer service centers multiple times but they always say there is a 3 minute wait and I end up waiting for more than 30 minutes and getting disconnected. My last 3 attempts to contact Capital One have resulted in holding 30+ minutes and getting disconnected. 

I have attached a picture of the error I receive and of my payment history.
On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from XXXX XXXX XXXX XXXX, both asserting PayPal , Inc. as a creditor. The XXXX amount was {$620.00} and the XXXX XXXX amount was for {$50.00}. I checked with PayPal. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in 2006. This is clearly identity theft.
Microbilt pulled my credit report on XX/XX/2016 without my permission. They are reporting to XXXX that a credit inquiry occurred which I did not authorize.
I have 2 loan servicing companies XXXX and XXXX XXXX stating I owe loan. I contact XXXX and they insist that I owed them a {$4000.00} loan. I have never made any payment to XXXX. XXXX  states I have made 4 payments that I never have. I have reached out to University of XXXX XXXX and there is only 1 loan. I have been making payment to XXXX XXXX since 2013 only to find out they never sent any funds to the University of XXXX XXXX. XXXX XXXX has put a charge off on my account and refuses to address the funds they owe me. Both companies XXXX and XXXX XXXX are sending promissory notes to credit bureau. I have sent police report, identity thief report and information from University and no one will communicate with the University of XXXX XXXX. XXXX is now saying that my loans were in school status and that is why they have not collected, than I was told that the Loan was not sold to XXXX XXXX. XXXX XXXX say the loan has always been with them. The credit reporting company XXXX XXXX is not doing their investigation and allowing these companies to destroy my credit. The loan that was sent to the University of XXXX XXXX neither companies have presented that loan lnumber.
There are XXXX negative reports on my Equifax credit report, name of the collection agency is XXXX XXXX. There are XXXX accounts in collections, XXXX for {$1100.00} and XXXX for {$520.00}. I disputed both reports and the final result dated XXXX XXXX 2016 was that both accounts have been verified and will stay on my credit report. That ca n't possibly be true because I received a letter from the original creditor, XXXX XXXX XXXX XXXX indicating my account has been satisfied dated XXXX XXXX 2016. I attached a copy of the letter for your review, kindly update my credit report.
I sent 2 letters to request that the agency, XXXX XXXX XXXX, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].
The account is with XXXX XXXX had been sent to Steven bus collection co. Amount that was owed was {$450.00} .paid off Contacted the collection company and said it had been taken care of. This happened in 2011. Still keep showing up on my credit report thought it would be taken off by now.
I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. XXXX XXXX XXXX XXXX stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with XXXX XXXX XXXX XXXX to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the " Key Vaca Physicians '' debt which I thought I had settle earlier that month. XXXX XXXX told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.
We contacted Rocket Mortgage / Quicken Loans regarding the purchase of a new home during this process talking to XXXX XXXX Mortgage Banker Email : XXXX Phone : ( XXXX ) XXXX, ext. XXXX Fax : ( XXXX ) XXXX NMLS # XXXX During the three way teleconference over the phone between my wife, myself, and XXXX we went over the options for our closing and APR 's availabe we agreed on a APR of 4.125 and {$2000.00} from Rocket Mortgage/Quicken and {$3200.00} from the builder to cover all closing costs. We would use the {$1800.00} remaining from the builder to purchase a refrigerator instead of using the entire {$5000.00} from the builder to Rocket Mortgage/Quicken which when discussed with XXXX as an option if we used the entire {$5000.00} that would result in a lower APR of 3.75. When receiving the closing disclosure on XX/XX/XXXX we identifed that Rocket Mortgage/Quicken did not call and discuss with us them taking the entire {$5000.00} towards closing which should have changed our APR from 4.125 to 3.75 which was prevously promised and told to us by XXXX. This is very unprofessional and very deceiving especially when I was being transferred from one duty station to another in a condensed time period. Rocket Mortgage/Quicken had ample time to notify use to get our consent prior to closing of these huge changes which they did not. XXXX 's supervisor XXXX XXXX fixed some of the mistakes on XX/XX/XXXX like the missing {$2000.00} promised to us from XXXX at closing but could not change the APR since this would alter our closing date of XX/XX/XXXX. As a result of their unethical practices we were forced to close on XX/XX/XXXX with an APR that was not promised to us if we gave Rocket Mortgage/Quicken the full {$5000.00} from the builder towards closing. We should have waited but as an XXXX XXXX XXXX with 22 years of service I could not do this to my family of five delaying the closing date that we agreed upon.
Bank of America My monthly bill states I owe {$870.00} in big, bold numbers. If I read the small print do I realize my regular mortgage payment is only {$840.00}. The wording on the front page of the bill makes you believe you owe {$870.00} which is really the mortgage only if your mortgage is received after the XXXX of the month. The wording and design of this bill is very deceiving, and if my wife did n't really question why my mortgage had increased I would have paid the higher amount unnecessarily, and I believe, illegally. 
Bank of America needs to redesign the format of the mortgage bill to reflect the regular monthly payment as the TOTAL AMOUNT DUE in the the BOX with large letters.
XXXX - I buy a car. 
My dad gives me his old car to use as a trade in, valued at {$200.00}. 
This apparently incurred a title transfer fee of {$170.00} of which I was unaware. Had I know this I would not have done so. 

I pay the full car loan off in full within 2 months. 

XXXX - I am informed of a fee I have n't paid now by a " Penn Credit '' collection agency, which is acting on behalf of the XXXX XXXX and has accrued approximately {$20.00} interest for being late. 
I was advised ( by family, perhaps unwisely ) to send this fee payment straight to the XXXX. 
I did. I have a scan of the check in my bank account, proof it was signed and cashed. 

XXXX - More paper in the mail now arrives from a " XXXX Attorney at Law '' and the XXXX claiming I ( or rather XXXX in this set of documents erroneously claiming me to be " XXXX XXXX '' --??? ) have to appear in court over this matter being unpaid, except now it 's again {$170.00} + court costs. Since I 'm tired of this, and do n't want to take a day off just to deal with it, wording says I can opt to pay the ( now ) {$230.00} dollars by XXXX XXXX of this year to resolve the matter and not need to worry about going court, so I paid Penn Credit on their site using the code they provided. I again have a receipt from the Penn Credit site with a transaction date of XXXX XXXX and payment to Penn Credit in my bank account on the XXXX. 

Later still, I CONTINUE to get mail that " I did not show up in court '' and " the fee is now {$290.00} '', as if no payment has occurred. 

I 've now spent {$430.00} for a {$200.00} price reduction on a car I bought and immediately paid off over 3 years ago. I 'm not paying anyone anything else. This is frustrating.
I leased from Ally a Hummer from XX/XX/XXXX to XX/XX/XXXX. Towards the end of my lease [ I believe about 2 months before ] I took the vehicle to XXXX XXXX in XXXX, PA to attempt to purchase the vehicle. My contract allowed me to purchase the vehicle. XXXX said that the windshield was broken and it had excessive miles. They agreed that if I purchased the vehicle then the excessive miles was not a factor. So I left and I then had the windshield replaced. I then took the vehicle back to XXXX XXXX to purchase the vehicle per the terms of my lease. XXXX then refused to allow me to purchase the vehicle. I then left and telephoned Ally. Ally said they would extend the lease and allow me to contact XXXX to attempt to purchase. XXXX again refused to allow me to purchase the vehicle. The payoff on the vehicle was only {$16000.00} more or less which was far less than the value of the vehicle. I believe that they wanted my vehicle so that could then sell the vehicle for its true fair market value of {$24000.00}. They then charged me for a cracked windshield [ which I had fixed ], a non existent roof debt, an alleged tear in the interior headliner and excess mileage. XXXX XXXX and Ally failed to comply with the terms of the lease and refused to allow me to purchase the vehicle. I believe XXXX XXXX sold the vehicle for substantially more than I owed and did not allow me to mitigate my damages. I believe I do not owe them any money. They have not sued me, I wish they would so that I can prove that I do not owe them any money. What they have done is report this alleged debt on my credit report. I want them to remove this from my credit report.
Dis attorney off XXXX XXXX XXXX XXXX XXXX XXXXIs a account that is opened by mistake, this account is in XXXX current and payments are being paid on time for a few years now. XXXX opened the same amount and is reporting negative remarks and late payment history. 60-90 days late payments on a account that 's being paid in XXXX