WillisBack/dataset-financial-user-claim huggingface dataset:
Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of BXXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that XXXX XXXX have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.
This complaint is being made for several reason ; I will be listing them below and will be making a separate complaint against each of the XXXX bureaus. I feel that I am a victim of abuse, handed out by these mega-companies that have no one to hold them accountable to. I wrote the bureaus myself last month and listed my disputes in great detail, listing the reason why I felt my accounts are inaccurate. Equifax has not investigated any of my accounts. I have contacted all of the companies on my credit file to inquiry whether the credit bureaus have contacted them and what documentation was used to substantiate the way they are reporting the item in question. Not only that, but I have provided actual proof to Equifax that they have the public records reporting with invalid information and they have responded that this information is verified. Please explain to me how they can report a date that does NOT EVEN EXIST and for them to say that this is the actual way it is meant to report! I know my rights and I know that when I notify them of inaccuracies, they are required to provide an investigation into these items. If I do n't agree with their results, they are required not only to do another investigation, but to ascertain that the info they receive from the creditors is actually correct and accurate. To send me something stating they will not investigate AT ALL is completely ridiculous. They get paid to report information on my credit report so they have no incentive to remove these items. They think that by sending me a letter, I 'm going to accept it, shut up and go on with my life. I KNOW that my rights are being violated and I will get an attorney if I must to actually do something on my behalf. I know the accounts on my credit file that i have disputed are either inaccurate, unverified or incomplete. I would like to see the actual documents that were used to verify these items, I would like to know their method of verification and I would like to know why they are reporting items on my credit file that have not been legally verified. Congress states that the only legal form of verification is firsthand knowledge ; that means they are required to have the actual proof in their possession to verify these items. If they do n't, they are not legally verified and must be removed. 
I 've included my 1st and 2nd dispute letters which detail why they are inaccurate. I 've included the proof that Equifax is reporting public records that do not belong on my credit file because they are not in the least bit accurate, valid or complete.
They called my job 4 times within 2 hours. I told them not to call me there and they told me they would call anytime they wanted. Also told me they were getting ready to take legal action against me. Said they were going to deliver legal papers to my home or work. Refused to give me their physical and/or mailing address. Stated they were under no legal obligation to. They refused to tell me why they were calling or what type of business they were. After some research I found they were a " debt collector ''.
Equifax gave me the message that my information may have been compromised in their most recent -- of multiple -- hacks. I went to get my 3 credit reports from the government website. The first would not give me it. The second -- XXXX -- has two CONSUMER REQUESTED inquiries from X/XX/17 and X/X/17 that I did not make. This concerns me and their tool for reporting an issue does n't have a section to report this type of issue. I believe anyone whose information was hacked in this should be given identity protection for far longer than 1 year as if you were a criminal with this information, you could simply wait 1 year and then do what you want with the information. This also means that verifying my identity with my financial institutions is a joke now because the information they use for that may have been leaked in this blatant disregard for data security. Why was this not salted and hashed? Why is it not mandatory that companies with this information do that? It 's not even a case where I or other consumers did something unintelligent. Instead, we have no control over the information Equifax has.
A few weeks ago I had an Alert on my credit report saying that I had XXXX new collection accounts from National Credit Systems. After reaching out to the company they informed me that they mailed a letter 5 times to a known bad address. When asking them why I was not alerted they said they tried but they had XXXX pieces of returned mail. So, with further concern I hired a private investigator XXXX XXXX XXXX XXXX to find out that they were advised to send it to the office of XXXX XXXX XXXX. XXXX XXXX XXXX had the proper address to forward any and all correspondences. I have emails to substantiate this claim. I also have proof that I was sued and paid the bill in full! They are trying to collect a debt that is no longer valid.
I did set up funds withdrawal from my PayPal account to my bank account on XXXX XXXX, 2016. 
Money have not arrived by now, it is XXXX XXXX, 2016 today. It is more then 1 month now. I did XXXX transfers for {$15.00} XXXX and {$210.00} XXXX on XXXX XXXX, XXXX both transfers were lost. I contacted PayPal regarding this number of times but I still have not seen the funds at my bank account as well as they have not returned to my PayPal account.
I had XXXX checks that did not clear my account for {$76.00} twice from XXXX XXXX. The checks were unpaid because I did not have the funds. My account charged {$35.00} for both checks. No problem, however, Bank of American let XXXX submit those same checks 10 times with different checking numbers from my original check, thus not authorized to keep sending through my accounts. As a result, my account was hit with an obscene amount of late fees {$420.00} by Bank of America and Allowed XXXX run e-checks changing checking numbers. The late fees are excessive.
I have tried on several occasions to dispute a debt with Bloomingdales/XXXX that does not belong to me. When I pulled a credit report about 3 months ago while trying to purchase a home I was made aware. I disputed the account with all 3 credit bureaus in XX/XX/2018, XX/XX/2018, XX/XX/2018 and have made a 4th attempt on XX/XX/XXXX. Each time I am being advised that the account was verified. However, I have request for the verification proof to be mailed to me which I have not received as of XX/XX/2018. 

I have provided police reports as well as documentation from the Federal Trade Commission to which the creditor keeps ignoring. At this point I am reaching out to CFPB in hopes that you can assist with getting this erroneous/fraudulent account removed from my credit bureau reports. Furthermore, all of the information related to this account and does not belong to me. 

Lastly, this creditor has never made any contact with me via mail, phone or email. I was never advised of a late payment, an open/closed account, or any collection letters or phone calls.
There is a collection ENHANCEDRE company that claims I owe a past due debt to XXXX however this was reported by another company XXXX of which removed it from my credit report with XXXX on XXXX XXXX 2015. ENHANCEDRE does n't have any contact information on XXXX.
Commonwealth has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Good morning, A law firm was hired for {$5000.00} to handle a foreclosure matter from Hudson City Savings Bank against XXXX. Hudson City looked to do a modification, every requirement they asked for I submitted to them. Every appearance for court the law firm and myself showed up. ( Their theory for denying the loan modification was that they were too small of a bank which was indicated to me ). As the case move forward the law firm asked for another {$1500.00} and I submitted it to them. At a point, when I was n't hearing from the law firm, I emailed them to see what was going on with the case with no response back. I went to another law firm to see about them handling this matter. Numerous time reaching out to the original law firm for my files, they said the file was too big to make copies of and release. So, I could not get another law firm to review the case, because I could not get the files out. 

As time went on, I received solicitation mail ( not from the bank 's law firm or court ) saying that a judgment was entered on the house. The court has down that I am listed as pro se. So, I have never received any paperwork from the original law firm that was on the case. Also, I never received any paperwork notifying me of any court dates or that I needed to engage another lawyer. After finding out about the judgment, I received mail from M & T Bank ( who bought out Hudson ) in XX/XX/XXXX about applying for a loan modification. I submitted all papers to them numerous times. I was tracking the case as best as I could on ecourts, the last date showing up on file is XX/XX/XXXX. The case says inactive pending future filing. I immediately went down to the court to find out what was going on and it was told to me that the referee who was on the case had a conflict of interest with the bank. Then in a letter dated XX/XX/XXXX M & T suggested about applying for a modification again. I then submitted all requited documents. In a letter dated XX/XX/XXXX M & T said they received the package. Next a letter dated XX/XX/XXXX from M & T was sent requesting more documents, which were all submitted to them. Then, on XX/XX/XXXX I received solicitation mail that there was sale date for XX/XX/XXXX. On XX/XX/XXXX I received a letter from the law firm that represents M & T/Hudson that there was a sale date. Prior to this, I have never received any mail from the courts or this law firm. Right down, from the original summons and complaint was supposedly served to a business of my brother 's in XXXX/XXXX. The only mail coming in from the bank was monthly bank statements that included Hudson and including every month from that point on from M & T and loan modification correspondence. 

I believe this falls under dual tracking, as the bank and I were working on a loan modification and I even just signed a new three year lease with a tenant to have additional income coming in to make sure there is enough money for modification requirements, and NOW THERE IS A SALE DATE ON MY HOME. Can you please advise with this matter as soon as possible? Thank you.
I lost my job in XX/XX/XXXX. I was going thru a separation, but managed to make my full payments until about XX/XX/XXXX. I worked with Wells Fargo and got a forbearance and made my payments on time for a year when the forbearance was up. At that time some of my circumstances had changed, so I worked with Wells Fargo again to try to enter into a modification.
The separation from my husband is critical because though he had n't lived in the house since XX/XX/XXXX, his income, as well as his rent were still being considered as part of the " family income ''. When I tried to modify the loan in XX/XX/XXXX, he became unemployed. Wells Fargo determined circumstances had n't changed enough to enter modification.
I continued to talk to Wells Fargo throughout the summer. I let them know in XX/XX/XXXX that I had received a full time job offer, and I also had a renter and a rental agreement. Wells Fargo advised me that my separated husband and his income, and rent would still be considered. They advised me that I needed a quit claim deed.
So, for the past 2 months, I have been sending Wells Fargo document after document.
They have : An offer letter from my employer ; 1 months worth of check stubs from my full time job ( XXXX/year ), XXXX work ( XXXXyear ), rent received ( XXXX year ) child support ( XXXXyear ) ; Rental agreement ; Separation agreement with the amount of child support ( court sealed ) quit claim deed putting the house in my name ( court sealed ) Partial Property settlement awarding me the house, signed by my husband and me, as well as notarized. ( Not court sealed as it is not required to be by MD law. ) 2 pieces of documentation proving residence of the renter.
The one sticking point is that the partial property settlement is not court sealed.
We are proceeding with the divorce, it should be uncontested.
I have closed my checking account with Bank of America # XXXX XX/XX/XXXX and spoke to the Bank of America on XX/XX/XXXX, associate XXXX in XXXX ; I was assured that the residue of {$110.00} will be mailed to me as a check. It is now XX/XX/XXXX and I am still waiting. I called numerous times and was not able to get through since the XX/XX/XXXX, the hold was always very long, 10 minutes + or I got disconnected numerous times. I am on hold again today with the Bank of America and being bounced around.XXXX in XXXX phone # XXXX informed me " the check is in the mail and to give it till Friday. '' I am amaized how horrible it has been to deal with the Bank of America and would like your burea to know. 
Sincerely XXXX XXXX
I have called Navient through the years trying to negotiate settlement or repayment options. I had a XXXX loan which is now XXXX due to them never working with me. If I said I could only do XXXXmonth that was never acceptable. It always went into forebearance. I am about to his collections with them and need to try and stop it. Please help!!!!!
This is Debt is not mine nor did I authorize this. I have a perfect history of paying debt on time. This is only debt on my credit that does not belong to me and it is reporting negatively. I am very disappointed this is on my credit report.
Hello Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX XXXX and I am submitting a complaint on Branch Bank & Trust Financial institution. ( BB & T ) I began banking with BB & T after being transfered from an employee XXXX account during their BIG transfer. The situation began while I was working at a XXXX XXXX making about {$25.00} a night and began depositing my fund at the local atm by the XXXX XXXX. There were reports of people getting mugged and robvbed and even stabbed after work and I did not want to be one of them, so I began to deposit every last dollar I made. <P/>Before tips I made {$25.00} a night. I would buy a {$5.00} bus pass, {$10.00} phone card when applicable, {$3.00} breakfast at XXXX XXXX on a Bisquit and gravy. ( MMMMMM ) That was my routine. <P/>I did not want the Overdraft protection program and only wanted to spend what I had and stay away from overdraft fees due to my current job. I did not have direct deposit. This is why I DID NOT WANT THE OVERDRAFT PROTECTION AT BB & T BECAUSE THEY WILL HONOR THE TRANSACTION AND I WILL HAVE TO PAY IT BACK AND THAT WAS OUT OF MY BUDGET. <P/>Also, I later joined the BB & T at work prgram @ My new Employer XXXX. We, my training class of about 20, were promised an incentive of {$100.00} after 3 months of banking with the company. We have not recieved that!. Our personal banker, XXXX, promised us this on serveral instances. They have not since then honored their incentive program that they promised to serveral empoyees at XXXX. <P/>Please help us! <P/>With kindest regards, XXXX XXXX XXXX
returned a camera light that did n't work. vendor denies receiving unit. disputed the charge. card company requested proof of delivery from me & i sent date/time stamped tracking report from USPS showing fr.door/porch delivery 4 days after i sent it. now they are still not wanting to complete refunding my {$110.00}
THE COMPANT XXXX AUTO IN XXXX NEW MEXICO LET ME TEST DRIVE A AUTO TOOK MY LIC # AND SS # AND RAN A ILLEGAL REPORT TO ALL BUREAUS 16-TIMES ( INQUIRES ) WITHOUT SINGED PERMISSION.TRANS UNION HAS USED THIS TO DISCRIMINATE MY GOOD WORTHTHINESS, BECAUSE I 'M RETIRED.I HAE SENT IDENITY DOCUMENTS XXXX TIMES AND STILL NO REPORT TO DELETE THIS NO SIGNATURE PERMISSION FOR INQUIREIES ( 16 )
In XX/XX/XXXX we applied for a home modification loan with CitiMortgage. During the 3 month trial period, CitiMortgage foreclosed on our home and sold it without notifying us. This was in violation of the written terms of the modified loan agreement. We contacted the Arizona Attorney General and they made CitiMortgage reverse the foreclosure and return the home we had been evicted from in XX/XX/XXXX. This is a simple violation of contract issue and they admitted in a letter to the AZ Attorney General that they wrongfully foreclosed on our property. We had considerable expenses in rental property, moving expenses, home repair from property neglect during our absence. CitiMortgage sent us a check in XX/XX/XXXX to cover part of it but we returned it in order to collect the full amount of rental expenses. Since then, they have never responded to our requests for a settlement of the amount due. They were at fault and caused us significant grief as well as expenses. The least they can do is pay the debt they created.
I applied for a XXXX XXXX Credit Card and was denied. The letter denying my request stated, " Our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency or other negative performance ''. 

I did have a XXXX XXXX bankruptcy in XXXX and all creditors were paid what the court requested that I pay. Barclays states that they are still showing a balance due on my old account that was included in my bankruptcy. I explained to them that my obligations were fulfilled and that they should have no balance on any account from me. My credit reports all show NO negative standings. Barclays stated that they did not pull a credit bureau report and because they are showing that balance ( which should have been written off XXXX, they can not issue me that credit card. 

No matter what I stated to them, even stating that it has been 7 years and my credit is now excellent, they said it did not matter, because they are still showing a balance, even though they should n't. 

Can you help me with Barclays to get this account balance removed and hopefully receive a credit card from them.
I have n't use my card in days first I was overdraft XXXX than XXXX now XXXX, this bank is n't a honest bank at all, I had to take off my direct deposit so they can stop taking my money.
I have made payments they were returned and sent all documents and they end up needing more. Like they do not want to let me keep my home.
I submitted a request for loss mitigation options on XXXX/XXXX/XX/XX/2015 My authorized 3rd party left several messages for follow up to confirm documents received and the authorized agent XXXX XXXX would not return calls. Finally when he was reached on XXXX/XXXX/XX/XX/2015 on a recorded line he stated that they refused to review the documents because it was received XXXX days prior to a sale date. He refused to send anything in writing stating this. Please help. I was never notified of the last day for loss mitigation options in writing nor verbal. PLEASE HELP!
I have been struggling to pay back my student loans - sallie mae/XXXX told me that outside of forebearance almost {$600.00} per month is the least I can pay and they do n't have other options. I have since ended up in default. That being said, as one would expect I receive calls everyday and even multiple times a day. Again all of which is expected. What I did not expect is that they have been calling random people that are possibly associated with me that I do n't even know where they got their information! Previously, they have called my mothers house but today they called an old friend who has no knowledge whatsoever of my finances, and left him a message too!! I ca n't believe they would do that! I want this to stop right away! I ca n't pay them because they wo n't even try to work with me and now they are harassing everyone! ****I am attaching a screenshot of my voicemail and a screenshot of the text from my friend so you can see the congruency of information.
Our Business has been getting repeated very harassing phone calls from Access Receivables and their employee XXXX XXXX in regards to a debt with XXXX XXXX that we do not owe. He continues to call and yell at myself and our employees. He is attempting to collect debt that we do not owe and has not provided any proof of the debt. They have sent us copies of old contracts, but what they have sent is not current and does not support their claim of the monies owed. They have said it is early termination of an internet service contract, but FCC has banned early termination fees in business data services, so that point is moot. I have told XXXX many times to stop calling and he has ignored this request. He has called repeatedly and upset employees at our business that have nothing to due with vendor interaction or financials by being rude, disrespectful, and yelling. 

All bills have been paid through our cancellation date of XXXX/XXXX/2015. Actually we paid our bill for the entire month of XXXX 2015, so there would be no problems. That seems to have not been the case. There has been nothing but problems and actually XXXX owes us money and not the other way around if we were to push the matter. See our correspondences attached that were mailed and emailed to XXXX. I spoke with them about cancellation prior to ending service and provided all they requested. They even came and picked up the equipment in XXXX 2015. At this point we need all contact from the collection company to end. No more phone calls harassing our staff and telling our staff how bad they are and the verbal defamation of our company to our staff. It has been completely unprofessional.