WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a victim of identity theft. My social security number was originally mixed up with another woman 's because they differ by XXXX number and we have similar names. I have spent XXXX on investigations and removals of other items off my credit report that have been removed. However, its not enough. I cant ever get a decent deal on a car, get a credit card or apply for a home loan because of this. This is my last resort, i have done everything I can to solve it with the credit reporting bureaus and its still the same. I would someone to investigate the mix up. Because my identify was stolen by this person after one of the credit bureaus had first reported some of her credit items on my credit report. That was how she got a hold of my personal information in the first place. After that she took advantage and kept using my name to have creditors grant her credit under my name. I was able to delete most of those items from my credit report. However, the items I can not remove are the ones that are incorrectly reported on my credit report but are under her name and social security number. That is the reason why I can not get them removed. I need to know if there is something I can do. Thank you in advance.
I initiated a dispute with advanced knowledge ( from the collector ) that the balance was incorrect on my credit report. It says the balance is {$14000.00} when in fact the balance is {$2700.00}. That represents a difference of {$11000.00}! Transunion reported that the collector verified I owed the incorrect amount and no change was made. I visited the collector in person, again, to be told they either do n't report until it 's all paid ( a statement I can prove false ), that they are n't the ones reporting at all ( also a false statement ), and they said they gave Transunion the updated amount on XXXX/XXXX/16 and XXXX/XXXX/16. 

I can not tell who is the dishonest party is here as a dispute I initiated with XXXX also resulted in it being verified with no change. When the collector admits the balance is wrong but that they may or may not report at all, or wo n't report at all until it 's paid even after receiving a dispute from CRA 's, or that they did update it, I 'm stuck having a massive amount of non-existent debt on my reports. Please note, I have sent follow up written demands for re-investigations to Transunion and XXXX along with documentation from the collector proving the balance is {$2700.00}.
I called Citibank phone number XXXX on XX/XX/XXXX at XXXX to be connected to a representative to report suspected fraud because a balance of approximately {$26.00} had been showing on my account despite recent payments I made totaling {$300.00}. I asked to remove any fees or interest that may have been charged to the account. Additionally, I had never been in possession of a Citi ThankYou Preferred MasterCard credit in my name card not have I ever seen such a card. Citibank. I was  assured the problem would be resolved and understood the account would be closed. I had not made any charges because I had never possessed a Citi MasterCard branded ThankYou Preferred physically or had the numbers of the card to use online. Additionally, I had never requested to open such a card product which I presume has a MasterCard logo. Going to Citibank website today to check on my accounts, I am alerted of a {$120.00} balance which it says I need to pay. I am still suspecting fraud because I have never used the card to rack up such a balance.
I got a loan from Midwest Acceptance in XX/XX/XXXX, and the vehicle was repossessed in XXXX. The account is showing open as of XX/XX/XXXX, however The account was open on XXXX XXXX. Information is inaccurate and defamation of character when I did not have that vehicle a text the beginning of XX/XX/XXXX. Secondly this vehicle was charged of & closed on XX/XX/XXXX, but is still reporting late payments and incurring interest. I called the office on XX/XX/XXXX & spoke to someone who was extremely rude and was threatened that they will keep reporting until the debt is paid off. The rep told me that the balance is incurring interest because i have not made a payment but thats not possible if the account has been charged off and closed. I Am asking that this account be closed and taken off my credit report as it is reporting inaccurate information, showing inquiries that i have not agreed to, charging interest on a closed & charged off account. This is grounds for removal
Received a notice from my new monitoring service regarding an account from CREDIT MANAGEMENT LP from date XX/XX/2018 in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$370.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.
My student loan Borrow use to be Sallie Mae then a few years ago Navient took over for them so my student loan got switched I attended the XXXX XXXX XXXX at XXXX. After I got divorced I struggled 2 make my payment while raising XXXX  children. My monthly payment was XXXX and I called to discuss this matter with them multiple times. I told them I am single Mom of XXXX  children who doesnt make alot of money that I receive no child support from my ex husband. Asked if my monthly payment couldnt be lowered to like $ XXXX- {$25.00} a month. As usual I got told that wasnt an option that {$50.00} was the lowest they could go for me. So as always I would get behind on my payment a few months would go by of me not being able 2 pay it and Id call back the representative on the phone would tell me my best and only option would be 2 do a forbearance for a few months but of course the interest would still add up. They would tell me2 try 2 save up some money in the meantime during my forbearance so I could start paying my payment when it became due. I had no idea that there ever was an option of an income driven repayment option or refinancing options until one day recently I came across the lawsuit filed again Navient and I got looking into it. I feel Ive been a victim of this situation for years and they have charged me alot in interest. Alls they ever offerrd me was 2 do forbearance they claimed that was my only option. Thank youfor your time it means alot 2 me.

Sincerely Yours XXXX XXXX aka on student loan papers as ( XXXX XXXX ) that was my married name
Have disputed account from XXXX XXXX XXXX to Transunion many times. Account is too old to be on file yet they refuse to remove this item. XXXX had complied and removed it with no problem.
Since reporting an issue with my checking account ending in XXXX to chase, about which XXXX unauthorized debit and XXXX unexpected ( and new ) {$20.00} chase fee, sent my account into a cascading negative state, fees and penalties have continued to mount ... .in amounts that I ca n't realistically pay, even in it were fair. 

How can chase justify roughly XXXX dollars in overdraft fees that have mounted ( and were contributed to by the fees themselves ) that all were started from XXXX unauthorized debit ... .. after which a handful of new debits came through, were not paid and were then accessed fees. It 's is unfair and outrageous considering I notified chase of the errors and my intention to try and stop the bleeding and chase simply rolled out the excuse " you 've had reversals in the past so we ca n't help you. '' It should be illegal what has happened here.
Waiting on loan modification ( Lost medigation ) the mortgage company PNC told us to disregard letter from lawyer with a sale date of XXXX/XXXX/XXXX to wait until all paper work as been done. As of XXXX/XXXX/XXXX our home was put on auction for sale with us knowing nothing about the sale. Just stumbling across it on the internet. We called them that evening and the person we spoke with told us to talking with the lawyer handling it. Has we called on XXXX/XXXX/XXXX we were told they knew nothing about the sale of the home and to contact PNC again. We did just that and we are still getting the run around. We were never told of the sale nor was the sale of our home posted in the local paper. We are being told there is nothing we can do to save our home. But it looks like to us the XXXX different people we have talked give us different stories of what is going on. We sent all paper work as instructed to do. And where waiting on them for answer which we never received.
Payment in full of account {$17000.00} submitted XXXX/XXXX/14. 

Company failed to process payment and subsequently falsely reported account as delinquent to credit reporting agencies, and continues to do so daily up through current date.
I been disputing for months, with Experian and XXXX and the company, LATE PAYMENTS on XXXX-XXXX # XXXX account that not belong to me. 
Because of this I was denied credit ; I beg you for your help to solve this problem ; I tried to fix this inaccuracy myself but I never received a satisfactory outcome.
For the past year I have been working to not only repair my credit but remove fradulant credit information from my reports. I have taken all necessary actions to report this info from filing the neccessary paperwork with the Federal Trade Commission as well as filing a police report at which all 3 credit bureaus have received and been notified of the beginning of this year. I have recently sent via certified mail request to remove the referenced accounts from my report as well as inquiries that where not authorized. My information has not only been stolen but also my information has been leaked in numerous breaches which include, XXXX breach, Equifax Breach, XXXX/XXXX Breach, XXXX XXXX corporation Breach and XXXX. To date on 1 credit bureau has complied with my request and removed the accounts. I am now writing to request that you assist me with having Equifax and XXXX comply with my request. Majority of the accounts where opened online. And being that all my information was leaked in the Equifax breach, great consideration should be taken as that breach not only disclosed my social but my addresses, drivers license number, DOB and credit information. I would appreciate getting Support to have the accounts and inquiries removed. As I have done everything on my end in reporting this information.
XXXX was stolen out my PayPal account they asked for a police report I gave that my license I did that as well and even sent them copy 's that my money was never returned they still haven't gave me my money back and Everytime I call they will leave me on hold than hang up
Account Not a Valid collection - item was to be Deleted with Payment in the month of  XXXX  and  XXXX  I contacted SYNCB regarding my SYNCP / JCP and SYNCP /  XXXX   XXXX .   I spooked to numerous representatives and supervisors unfortunately they feel that the bank has the power to keep the item on the report for more 10 years those account past the statue of limitation period and they are still reported incorrectly Accounts was sold to another lender and they never verified the settlement with the lender and never reported this account as Settled accounts still showing Negative on my credit report
There are several items reporting on my credit file that do not belong to me. These items are reporting on my credit report as a result of identity theft. Please assist me in getting these items removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, Incorrect Names : XXXX, Now XXXX, XXXX, XXXX Unauthorized Inquiries : XXXX XXXX XXXX  XXXX  XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX is continuing to try to collect for a debt that was paid in full several years ago. The collection agency Convergent Outsourcing is reporting the debt on my credit report incorrectly and it has been paid in full.
On XX/XX/2018 I financed a Puppy from XXXX XXXX ( XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ). The total of the finance should have been {$1600.00} ( which I have the receipt ). I was informed that I was approved for the finance charge and was only told to sign the computer screen and that I would be emailed paperwork from the lender in 24-48 hours, which I never received. When my first bill came from the lender ( LendingUSA ), I noticed that it was in the amount of {$1800.00},,,, {$200.00} more than what I was financed for. I contacted the store ( Pet City ) and they stated that I needed to contact the lender ( LENDINGUSA XXXX XXXX XXXX XXXX TX XXXX XXXX ). I contacted the lender and they stated that they charge a {$130.00} fee for opening the account. I informed them that this was not disclosed to me at the time of purchase and all they stated was that I signed the paperwork ( which I did not receive any paperwork from XXXX XXXX ). I called XXXX XXXX back and spoke with the owner ( XXXX ) and she stated that she did not know that the lender was charging a {$130.00} fee for financing with them and that she only charged the amount of the purchase ( {$1600.00} ), which later on, I also found out the company ( XXXX XXXX ) actually charged an additional {$75.00} for supplies I did not purchase. The owner stated that she would contact the financial institute and discuss the issues and contact me back. I did not hear from her for over a week, so I had to contact the owner back to see if there was any resolution. All she said was that I needed to take up the problem with the financial company and that it was not her problem. I informed her that she did not disclose this charge to me before the purchase was made and that I did not receive any disclosure of paperwork from the financial company in the 24 - 48 hours that she said. I feel that she withheld information about the {$130.00} charge, which she claimed she knew nothing about and stated that she would not work with the lender if they are charging the fee. I informed her that I could have put the charge on another credit card, if I were informed that there was going to be charged a {$130.00}. I feel that this is a fraudulent way of starting a line of credit without disclosing any information on the financial charge.
A month ago, I was charged fees by Bank of America for having Overdraft Protection and insufficient funds. After talking to them I told them I wanted to remove all overdraft protection so I would not incur those fees. I had to talk to a supervisor and he waived only XXXX charge out of XXXX. The past week I was again charged overdraft fees and when I called to complain, they said I only removed overdraft protection not all overdraft settings. And because the supervisor had previously told me about some other product they offer, at a charge, I should 've been aware and they would not refund anything else. This is a deceptive oractice to not fully educate customers on what overdraft protection and overdraft settings mean. When I said I want all overdraft to be turned off, they should do it. Instead they only removed overdraft protection and so they would still charge me overdraft fees. It 's ridiculous and close to fraudulent when they continue to charge customers. Even when the overdraft protection had worked previously they charge for that. They do not clearly define what fees are incurred, the amount of said fees, or properly inform customers.
I made a student loan payment th rough Navient 's online payment system. They duplicated the payment, taking it out of my bank account twice. I 've called and emailed several times and provided proof of the duplicate payment. They keep saying that I made two payments, which does n't make any sense at all, and have not refunded the money. My loans have been up to date for years and I am not behind on any payments. I can not afford to make two payments in one month since each payment is close to {$600.00} and I am in the income base d repayment system. This has caused me financial hardship and I just want the money returned to my account.
I have disputed XXXX numerous times in the last 12 months. I have stated that the information is inaccurate and invalid and should be removed. Equifax continues to state that it has verified account XXXX yet XXXX BANK XXXX XXXX XXXX XXXX SD XXXX says in a letter dated XXXX XXXX 2016 That they have no account on their records with this account number. I would like either Equifax to provide proof of the information it VERIFIED or to remove and delete this inaccurate information according to the Fair Credit Reporting Act. 

I also have enclosed a copy of XXXX of my Equifax Credit reports saying they can verify this information along with the letter saying XXXX XXXX XXXX can not verify account XXXX
I had a debt collector take a judgement out. The debt was paid, and when I first checked it said account closed. I have recently checked and now it shows both debts as open and owed and my credit score has went down.
My debt with Central Financial Control was settled in full on XX/XX/XXXX. I received an alert on my credit report for unpaid account on XX/XX/XXXX witch had an impact on my score ( drop XXXX points. ). I did a dispute with XXXX, is there anything else that I can do, central Financial Control this is telling me that they did a mistake ...
In XX/XX/XXXX, Bank of Texas/Oklahoma failed to pay the full amount due for XXXX Homeowners Insurance. In XX/XX/XXXX, per the third-party-lender Foremost, notification was to sent to the mortgage company requesting the remaining {$290.00} due for the insurance or the insurance would be cancelled. Due to a failure of payment the insurance was cancelled in XX/XX/XXXX. I was never provided any of this information from the insurance company or the mortgage company, until I contacted my insurance company, XXXX, in XXXX. XXXX made contacted with BOK regarding this issue which could not be resolved. Due to the lapse in time without insurance I am unable to get homeowners insurance at this time & will have to resort to the mortgage insurance provided by BOK. I have been trying to resolve the issue of escrow with BOK since before the XX/XX/XXXX. Currently I have {$1700.00} of escrow which was intended to pay Foremost for XXXX ; however, it is now an overpayment as the Mortgage Insurance is less than {$520.00} per year. BOK is refusing to complete an analysis on my account in order to release the escrow funds and lower my monthly payments by approximately {$100.00} per month or more. I have spoken with multiple supervisors & representatives all of which assure me that someone will return my call & be in contact with me. Since XX/XX/XXXX, XXXX people, XXXX of which claim to be supervisors, assured me they would call me back within three days and to date I have yet to hear from a single one. My funds have yet to be released & returned, and they are calling me about past due payments in which they are still charging me in excess for XXXX & XXXX payments. 

Bank of Texas aka Bank of Oklahoma XXXX
In XX/XX/XXXX I needed to find some cash to pay off a high credit card bill and paint my house as it was in bad need. I called my mortgage lender Quicken to discuss my options. After several days, I was told I because of the amount of cash I needed my only option besides a ARM was FHA due to the loan to value ratio since my house didn't appraise high enough for a Conventional loan. Never at any time was a home equity line or second mortgage offered as a solution. After consulting with a few mortgage professionals I feel Quicken Loans did not fulfill their fiduciary duty of providing me with alternative loan options to the FHA loan they sold me. It has been brought to my attention that a home equity line of credit ( HELOC ) would have clearly been a better option. Quicken Loan took me, a repeat client, from a rate of 3.875 % ( 30 year fixed with 28 years until payoff ) to a 30 year fixed FHA loan with a rate of 4.75 %, hard costs of {$5100.00}, and monthly Mortgage Insurance of {$190.00}. In simple terms I paid {$5100.00} in fees, am now paying {$430.00} more a month, and reset my amortization term to 30 years to get {$22000.00} cash out. This does not take in to consideration that I am now paying approximately {$280.00} more in interest per month. Additionally mortgage insurance isn't a tax write off as with the interest from a second mortgage.
A contract for the purchase of a XXXX XXXX XXXX was executed on XX/XX/XXXX with Credit Acceptance CorpXXXX providing finance. Copy of Contract Attached. A down payment of {$1500.00} was placed on the vehicle. The initial cost was {$7600.00} ( less {$1500.00} ) with a balance of {$6100.00} financed. A warranty was purchased ( {$1500.00} ) and GAP Insurance ( {$720.00} ). On XX/XX/XXXX, the vehicle was declared a total loss by XXXX. on or around XX/XX/XXXX,  XXXX, a customer service representative from Credit Acceptance, advised me that the warranty was cancelled internally effective XX/XX/XXXX, and a refund check would be forwarded to me within 21 days in the amount of {$2500.00}. On XX/XX/XXXX, I spoke with XXXX, Supervisor,  ext. XXXX to discuss the settlement breakdown ( attached ). Further I requested an estimation of when I would receive the above refund for the warranty. XXXX advised that I was provided with incorrect information and that they do not have a XXXX who is employed at Credit Acceptance. Further, there is no indication that I would receive my initial deposit back! This is unacceptable. Not only has Credit Acceptance refused to mark the loan as " paid in full '' but they have stopped me from getting a replacement vehicle and caused me to incur charges to rent a vehicle. I am requesting that the warranty refund and my initial deposit be returned to me immediately as well as any and all monies incurred for a rental vehicle from XX/XX/XXXX to the resolution of this matter as I can not afford a replacement vehicle until I receive these funds, They have delayed this matter for over 8 weeks. All back up documentation is attached hereto,
I 'm a victim of Identity Theft and I have several or duplicate accounts showing on my credit report that do n't belong to me.
I have several issues with the XXXX  credit reporting agency. I have contacted them on several occasions regarding these issues. I have requested documents that show my signature on these accounts on three occasions and they refuse to produce any from the creditors. 

XXXX XXXX XXXX accounts # XXXX, # XXXX. These two accounts have exceeded the statue of limitations for the state of Georgia and they refuse to delete them. The accounts are closed and paid in full. 

XXXX XXXX XXXX # XXXX ( XXXX Bank Nevada ). They refuse to produce any documents with my signature on them for this account. The account is now seven years old and they keep updating the date ti record it. 

XXXX XXXX Bank # XXXX same issue as XXXX XXXX XXXX. 

These four accounts should be deleted from my file.