WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, 2017 Please help me with Experian in delving into my Identity Theft and clearing all the inaccuracies on my credit report. 

I asked them to correct all the improperly listed types of residence addresses. Also, I requested that they update the incorrect versions of my name. Additionally, to check on unapplied for credit accounts. This took 4 hours of my time.
Unfortunately, a greater portion is still INCORRECT.
I am a victim of IDENTITY THEFT and they are NOT addressing my concerns. As a previous victim of Identity Theft, I am well aware of the WARNING SIGNS. 

I have attached a color-coded version to make it easy to understand the inaccuracies. 

Thank you in advance for your assistance!
I called to review my repayment options. The person I talked to said I had to contact a " third party '' or I could apply for a interest rate reduction for 12 months if I qualified for financial hardship. I ca n't afford {$300.00} a month to Navient when I have federal loans to repay too. And the rest of my life to pay for. It 's not hardship, I 'm just realistic. I know Navient has repayment plans and options for private loans but the guy I talked to could n't tell me what those options are. And could n't tell me what I 'm contacting a " third party '' for and who this " third party '' may be! Really!? Navient is this HUGE company and they want to push business to a " third party '' instead of working with me to figure out something that works. I 'm paying {$300.00} towards interest. I have n't made a dent in my loan and my balance keeps growing as my interest rate is flexible.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX Please remove these Inquires : XP/TU/EF B XX/XX/XXXX XXXX XXXX CARS AUTOMOTIVE EF B XX/XX/XXXX XXXX XXXX XXXX XP B XX/XX/XXXX RENTAL PROPERTY XXXX XXXX EF B XX/XX/XXXX XXXX XXXX XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX    ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
I am in the process of a modification and want to express my gratitude for the opportunity without the unnecessary additional cost of litigation. Before the process, that was a long and drawn out experience to begin with, I sent all the necessary documents and was approved for a trial period. 

Before I agreed to do the trial period, I specifically asked whether or not a ballon payment would be included. It was explained to me that there was not going to be a balloon Payment as part of my modification. During many recorded calls, I explained I would not accept the Modification if it included a balloon payment as it is not financially possible for me to do so. Ocwen 's employees told me numerous times on the recorded conversations there was no balloon payment included in my modification offer. After timely making the trial period payments, I received the motivation documents which I was surprised to see included a required balloon payment of over {$34000.00}. 

This seems to me to be a violation of the Truth in Lending Act ; as well as, purposeful misrepresentation to obtain my trial payments with no real intent to offer a feasible modification. 
Originally, Ocwen told me in order to qualify for a modification, I must be behind on my mortgage payments and suggested I purposely miss payments. Since my house is underwater, I was unable to obtain a refi. After calling Ocwen to try and fix the issue, I was told I should just catch up and there would be no further issues. Because of Ocwen 's promises, I paid over {$5000.00} to Ocwen in order to get the modification. 

After my call of XXXX XXXX, 2015 to discuss the mistaken requirement of a balloon payment, Ocwen said they would review the tapes and see if I was told there would be no balloon payment but that the modification had to be accepted ( with the balloon payment ) no later than XXXX XXXX 2015. 

I do not believe Ocwen will have the time to properly review our previous telephone conversations before the modification offer expires. Therefore, please confirm in a responsive writing that Ocwen is in fact reviewing the recorded conversation and that the modification offer expiration date is continued until the investigation is properly concluded. 

Thank you for your assistance and I look forward to resolving this issue without involving my attorney.
I defaulted on my student loans last year due to a bankruptcy filing in  XXXX   XXXX ,  2016 . For some reason unknown to me my student loans totaling approximately {$110000.00} which has received substantial payments over past 20 years was apparently and without my knowledge sold by my former loan handling company  XXXX  to another company called ECMC. These people promptly added a whopping $  XXXX  " collections fee '' making a total balance of approximately {$160000.00} and then began to repeatedly call, threaten, harass, intimidate and extort me into signing a contract with them for monthly payments, or they would cause a great deal of trouble for me due to my unintentional loan default and bankruptcy. They said if I paid for 6 months they would take me out of default, and faced with these threats and my fear, I reluctantly signed their agreement and began to make these monthly payments. My question is was their conduct legal? Can I remove this $  XXXX  " collection fee '' markup in my already hefty student loans? I really can not afford this. Please help, advise and assist.
On XX/XX/XXXX, I received a voice mail from a lady named XXXX around XXXX and on the voice mail she threaten to take legal action if I did n't return her call by XXXX. She left XXXX numbers on the recording : XXXX and XXXX. Because of the threating tone, I told my common law husband, XXXX. I provided him with the phone numbers because I was experiencing mental anguish over the nature of the call and had not gathered my composure. He called and XXXX XXXX answered the call. XXXX XXXX was rude and told me that she was calling about the debt associated with a XXXX XXXX account # XXXX in the amount of {$2900.00}. I indicated that we both had experienced episodes of identify theft and I would like to speak to her supervisor. At that time, she placed me on hold and I was able to speak to XXXX XXXX XXXX. I asked XXXX XXXX when was this debt incurred and she stated that the account was open on XXXX and closed XXXX. When I asked XXXX XXXX why was she attempting to collect a debt over eleven years old, she stated that her company just got the account. When I told her that she was not following federal guideline as a debt collection agency, she became irate and evasive. I asked to proof her identify by reciting her driver 's license and she refused. I told her that she had not validated the debt. I told her to show proof that the debt was assigned to her collection agency along with the date and by whom. XXXX XXXX hung up the phone. In fact, the phone was hang up on me XXXX or XXXX times each time I called back. After getting off the phone, I told my common law wife that someone is conducting an illegal investigation into our credit background. I asked my common law wife did she know anything about the debt and she told me that that account was dissolved in bankruptcy court in XX/XX/XXXX. After this incident, I researched this collection company, Consumer Asset Management, and found the owner to be XXXX XXXX and that the company was bonded XX/XX/XXXX. As with a similar complaint on file with your agency # XXXX, this above named collection agency had no legal standing to attempt to collect a debt that was already liquidated and well out of the statute of limitations. Please have XXXX XXXX provided his occupation over the past twenty years and the name of the individual, his affiliation, his company, the creditor who forwarded this account to his collection company. Also, please have XXXX XXXX provide documented proof that this debt was assigned to him by the original creditor, a workable phone number to reach said individual and the driving license number of said person, and again the date that this debt was assigned to his company. The request for a driver 's license of the person who transferred this debt is significant because we believe that this is a bogus and fraudulent attempt to collect a debt and it violates the fair debt collection practices. 

XXXX XXXX and XXXX " XXXX '' XXXX
I am a co-signer on my daughter 's loan. I have been in bankruptcy for 5 years, therefore the loans have been in deferment. My bankruptcy ended in XX/XX/XXXX. In XX/XX/XXXX, I began receiving bills and I submitted a consolidation for the loans. However, last month in XX/XX/XXXX they began showing up and not included in the consolidation. I began calling and e-mailing Navient. No one would explain to me that they were private loans and were not included in the consolidation. Finally, around XX/XX/XXXX I was told that they were private and they were delinquent and I had to speak with collections. When I called collections I was told that I was the co-signer on only one loan. I replied, why can I see the other 2 loans as well. I was told that they would not discuss the loans with me that my daughter had to call. My daughter called and they gave her the run around, as well as being indignant with her. I called back the next day to customer service and I was told that I could pay {$50.00} on the one loan and request a forbearance. I paid the {$50.00} on XX/XX/XXXX and the loan is still showing delinquent. I have called everyday about the loan and I have told that it take 2 to 3 business days and it will clear up tomorrow, or the next day.. As of today, XX/XX/XXXX, it is not in good standing and I am not going to file a forbearance on the other loans until this is corrected.
I was in a bind due to my roommate moving out and against my better judgement applied for a {$300.00} payday loan from Big Picture Loans. As soon as it came for my first payment to come out, my hesitation was confirmed. Even though I had sufficient funds on the date of withdraw, the payment was never taken from my account and I was charged an NSF fee that even my bank could n't make sense of and promptly refunded. I received no phone call from the company. 
Two weeks later, I received another NSF fee. I could n't figure out why sense I had available funds. When I called my bank they could n't explain why either until they discovered that the withdrawal was attempted the previous day as opposed to the agreed upon date. 
I attempted to email customer service with the issue and was advised to call the number. I did twice to have the line disconnect both times. I am not trying to default on a loan and would like to pay back what I owe but obviously now I have racked additional fees for " late payments '' which were no fault of my own.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$150.00} {$140.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$3500.00} These were payment made to this debt collector with the agreement to resolve the judgments with ( XXXX XXXX ) & XXXX XXXX XXXX. 
However, I continue to receive letters threating to garnish my wage.
I am receiving multiple robo-calls from XXXX XXXX XXXX  every day. I can tell it is a robo-call. The company call multiple times in a row, and leaves 1-2 second long voicemails with and without a pre-recorded message and a robotic voice several times a day. I have never gotten the opportunity to answer the calls because they call in the middle of the work day. I have never heard of this company nor received any prior information from them. I had to XXXX Search the phone number to find out who the phone number belonged to, the XXXX Search brought me to XXXX XXXX XXXX, which states this company is a debt collector. 
I have also reported this company to the FTC. 
Within 14 days, I received 23 phone calls and 11 voicemails.

XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX   XX/XX/18 - phone calls - XXXX XXXX  voicemail included ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XX/XX/18 - phone calls at - XXXX XXXX  ; XXXX XXXX ; and XXXX XXXX voicemail included XX/XX/18 - phone calls at - XXXX XXXX   voicemail included ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX voicemail included ; XXXX XXXX voicemail included XX/XX/18 - phone call at - XXXX voicemail included XX/XX/18 - phone calls at - XXXX voicemail included ; XXXX XXXX  voicemail included ; XXXX XXXX  voicemail included XX/XX/18 - phone calls at - XXXX XXXX   voicemail included ; XXXX XXXX  voicemail included
In XXXX, XXXX there were 2 loan disbursements- {$860.00} & {$1100.00}. The company also did disbursements in XXXX, XXXX ( these disbursements do not show in the account history ). The disbursements were returned to GSMR to the school, because the classes were dropped. The following personal payments were made by me XX/XX/XXXX- {$1100.00} & {$700.00}, XXXX, XXXX {$750.00}, and XXXX, XXXX {$1200.00}. The XXXX payment was made to pay the loan in full, however at that time, I was unaware the disbursements were being returned. I learned this on late in XXXX, XXXX when I received a bill from the school. I looked at the GSMR account online and the history showed what I described above. Disbursements equal to {$1900.00} and Payments equal to {$3800.00}. I called GSMR on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they could not explain to me how much they disbursed. On each call I was told I would have a call back within 48 hours. I did not get any returned calls. I also called the school in this time frame and they were unable to explain to me what happened, however they said they would call me back, which they did and they explained the disbursements were returned and told me GSMR admitted to them they owed me a refund. On the XX/XX/XXXX call to GSMR, the rep admitted to me they owed me a refund, however it would be 8 weeks before I would get the check! I asked what the amount of the refund would be and she didn't know but PROMISED to call back XX/XX/XXXX with an accurate refund amount. I told her if I did not get a call I would be returning the {$1200.00} payment. She did not call. Now on the website the disbursement amounts are the same however the payment amounts are different. I have proof what I paid them and when. They haven't applied all the payments to loan and they are NOT being transparent with the loan amounts or how where or when the payments are being applied. 
.
To whom it may concern Union home Mortgage has checked my credit score on XX/XX/XXXX without my authorization, and I've received hard hits on my credit. 
when I called their office their manager said my wife gave them my ssn to pull up my credit report. I said that I didn't give any authorization to them to check my score and those inquiries should be removed asap. 

XXXX the compliance manager said in the whole US spouses can apply for loan without other spouse consent and they're not gon na remove thos hard hits. he explanied back in XX/XX/XXXX also they pulled my credit score and I want they remove those inquiries from my crdit report as soon as possible since they have checked my credit score without my authorization. they have also caused argue between me and my wife. 

Regards XXXX XXXX
Three hard inquiries on the same bank in the same week, this I am sure is against the FCRA, I will look into this, this is unacceptable, please remove these duplicates from my Equifax report, I am going through CFPB because when I call to asked they act like its no big deal and further more looks bad for my report so please remove them
I tried to order my free annual credit report online from Equifax. They would not let me order the report on line and implied that I answered some of their questions incorrectly, which means that someone has possibly stolen my identity. I tried to order a paper copy ( not online ) but was unable to download Equifax 's required form. It is in a format not recognized by Windows or Adobe. At the same time, Equifax re-directs me to a web page where I can order a bunch of paid credit monitoring and other products. I could not be more disappointed with Equifax. They are blocking me from obtaining my free annual report and at the same time trying to sell me paid products.
I have a XXXX in my office who appears to be a victim of Reverse Mortgage Scam. He is being billed for XXXX and he states he has never received any money from anyone, that either he is a victim of identify theft or mortgage fraud. I called the company who confirmed he indeed had the debt.
I signed up for a free checking program with Bank of America. At the time I set up my account, the checking program was completely free and the only requirement was to set up an automatic transfer into savings of at least {$25.00} XXXX time per month. In XXXX of 2012, when I attempted to log-in to my online account a page was presented by BofA asking me to verify my personal information such as name, address, DOB, SSN, Driver 's License #, etc. I was uncomfortable providing the information, so I called the customer service phone number on the back of my ATM card. The agent I spoke with at BofA told me to go ahead and complete the information. She explained to me that from time-to-time they require updates to account information. So I did. A few days later, I was contacted by B of A because they were aware my account was compromised - a potential fraud event is what they said. They said I needed to close down my accounts and set up new accounts, new checks, new ATM card, etc. So I did this. At that time, I was told by B of A that they no longer had a free checking program available and I would be required to pay for my service. I spoke with someone who was an Executive Assistant to some VP at the company and she said she would waive the fee 's to ensure I was able to still keep my free checking program. Now, years later, I got billed in XXXX for account fees of {$12.00}. I called B of A and explained what had happened and the agent I was speaking with could not assist so I asked to have a message sent to someone to escalate my complaint. I got a phone call today from someone who told me they could waive my fee for 2 months, but then I would be required to pay the fees monthly. At this time, I am suspicious of the 'fraud ' event that B of A knew about. I 'm not sure how they would know I had put all the information in my computer if they had not set this up themselves to generate a false fraud event so they could close out my free checking account and put me into a paid account. But even if the breach of my data is legitimate, I signed up for a free checking program and due to the incorrect information I was provided by the B of A phone agent, I was put in a position that caused me to lose my free checking program and I do not believe this is fair to me, the consumer. I should be grandfathered in ( indefinitely ) to the free checking program I originally enrolled in which had no restrictions and no expiration date.
TransUnion had a computer error in their system that violated the rights of their consumers under FCRA section XXXX. The computer error caused credit inquires to be deleted from my credit report and then after they realized the problem, they inserted all the inquires back onto my credit report without prior written notification. I have spoken to TransUnion however they are denying it and refuse to remove the re-inserted inquires on my credit report. I demand that all these inquires be removed from my credit report immediately as there was no written notice given.
Barclays had closed all my credit card products without warning or a phone call. No reason was provided for the closure except a letter describing that the 2 accounts were closed. One account was newly opened and I had just paid the annual fee for the card ( XXXX XXXX XXXX XXXX ),  meanwhile the other card was for the XXXX XXXX card which I had for longer than a year 's time and had used often. I also had recently paid the annual fee on the card.
I received a call on XX/XX/XXXX on my work mobile number from this company Financial Credit Service Inc., DBA Asset Recovery Associates ( ARA ) claiming that they had mailed me correspondence several times regarding this debt and that I had not responded so they were going to file a judgment against me if I did not pay the debt immediately. They had my SS #, and a list of every place I had lived, I explained to them that I had never received anything regarding this and had no idea what debt they were talking about. They told me the company and that I owed this from an account that was closed in XX/XX/XXXX. I again explained I do n't even know what this is and if I even had this debt for this account. They told me again they had mailed me correspondence about it and evidently I had thrown it away as junk mail or decided not to respond. I replied that was not the case, that if they had mailed me multiple letters as they stated, I would have known. I was again threatened with having a judgment filed against me. I am in the process of buying a home and was scared for something to interfere with that. They indicated that they could see about a settlement, and scared me into paying them {$750.00} immediately, with the remainder of {$2400.00} being due by XX/XX/XXXX, otherwise they would file the judgment against me. After hanging up I got to thinking and started doing some research and found several complaints filed against this company for scamming money people did not actually owe. I called my bank immediately and put a stop payment on the funds since I had used my debit card to make the initial payment. The bank issued a fraud case against the payment for use of malicious tactic 's to obtain money from me. The credited me back the money and I cancelled my debit card and got a new one. I have no proof that this debt ever existed, it is not on my credit report and therefore I feel I got taken advantage of. Not to mention its 17 years later and this call just comes out of the blue to me. Even if this debt was valid, which I do n't feel it is, the statute of limitations in Texas is 4 years. The only written correspondence I have ever received from this company was on XX/XX/XXXX listing out the " settlement payments '' via email address I gave them over the phone.