WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this account, and I therefore request that it be delete This account immediately. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies. just trying in the best way to get my financial life in order again. Account # XXXX
On XX/XX/18 XXXX Eastern Standard Time , I tried for the second time that day to contact XXXX, which had been XXXX XXXX the last time I was able to contact them. I called their MEFA Department line after previously and unsuccessfully attempting to access my online account earlier that day and several times in the past. I was calling specifically to inquire about my XXXX, which I have not been issued. The automated system that I followed during the call, took all my personal information to identify my account and hung up on me after telling me to call back between XXXX and XXXX Eastern Standard Time. This is certainly not the first issue I have had with the handlers of these specific student loans, but this issue is beyond concerning.
The XXXX XXXX XXXX is reporting I have late payments on the dates of XX/XX/XXXX and XX/XX/XXXX. I have not been late on the dates above.
I have a Bank of America Credit Card. I got a statement for XXXX XXXX - XXXX XXXX with a New Balance Total of {$730.00} with a Due Date of XXXX/XXXX/2016. On XXXX XXXX when I received an e-mail for this statement, I paid the account off in full. On XXXX/XXXX/2016, I received an e-mail for the XX/XX/XXXX-XX/XX/XXXX period saying that I owe a Minimum Interest Fee of {$1.00} even though I had paid the full balance off and I have not added any additional payments. 

On the back of the statement it says, " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' This is not fair to the customer as they get charged interest even though the balance is paid off in full and also that they do not get an e-mail saying they have a statement until the day after the closing date.
I am filing a complaint about City National Bank. I currently have a mortgage loan with City National Bank. They have been reporting an incorrect loan balance which shows I owe more than I ever even borrowed from them on mine and my husband 's credit report for the last 8 months. It is causing my credit score to plummet and it 's hurting my opportunity to refinance my loan. I believe City National Bank wants me to refinance this loan so they can get it out of their bank because the interest rate is so low. They constantly call and email me to find out when I am going to refinance my home. Then when my new potential lender goes to pull credit City National Bank repeatedly puts the wrong balance on my report. I have asked them to correct this back in XX/XX/XXXX which they did one time and said it was glitch in their system. The amount was corrected in XX/XX/2016 and my score improved so I could continue with my refinance. Then 2 months later the balance is incorrect again. I email my contact at the bank to correct it and I received no response. I am attaching the letter for the first time they corrected it.
On XX/XX/XXXX, I submitted a change of address request to XXXXSears Master Card. I XXXX in XX/XX/XXXX, my minimum payments were {$10.00} so therefore made them {$25.00} a month while awaiting my statements to be forwarded to my new mailing address. Months went by and I had not received my statements, I tried logging into my account but the website certificates were not authorized on XXXX and the page would not load. I continued to make $ XXXX monthly payments but one arrived a day or two late which created a late fee which caused the months of XXXX through XXXX to be less than the minimum amount. However, I had no way of knowing because Citicorp had not honored my change of address request and I was not receiving statements and I could not log into their website due to certificate issues on the XXXX. I never knew that a payment was receive late because I had not received statements which are required by law to be provided to the consumer. Upon my return to the States in XXXX, I paid off remaining balance and it was not until a XXXX Credit report that I realized that CitCorp reported me four months behind on payments even though they had been receiving regularly monthly payments for more than the minimum due. 

I contacted them in XXXX, XXXX and again in XXXX via letters and a BBB complaint. I spoke to a representative that confirmed that they had received my change of address and was unsure why I had not received those statements. It was escalated to the Credit disputes department with no word until a letter was received from XXXX XXXX form their Executive Resolution Team. I appreciate the letter and response but the letter contained many inaccuracies that I have addressed. To date, Citicorp has continued to report my payments late even though they received monthly payments and they never provided me with monthly statements to my change of address as requested and received by Citicorp per their representative. I was charged extraordinary late fees for months that I was never late but failed to meet minimum payments because of a late fee which was caused by not receiving statements. Therefore & lt ; for a original balance of {$95.00} owed on XXXX Statement, I paid {$350.00} in which {$230.00} in late fees for something I was unaware of because they never sent me a statement. They claim I was on electronic statements from XX/XX/XXXX which is false because I was receiving them prior to my departure in XX/XX/XXXX.
XX/XX/2017 I took out a XXXX loan from speedycash and since then, for a year straight, I've made every single payment required and my account is only XXXX. I've called and asked to refinance but the customer service representative said the loan company doesn't offer anything like that. 
I've paid over XXXX $ to this company. I'm just a customer who needed money for bills and a year later I'm still feeling the reprocuctions
A company called Kingston XXXX XXXX telephoned me and told me that I had entered in to an agreement with them and I owe them money for a payday loan. I never took a payday loan. I do n't owe money to anyone. They threatened to have me arrested and told me to call my lawyer.
On XX/XX/2018 I received a notification through a 3rd party consumer reporting monitoring service a collection account in the amount of {$190.00} was opened on XX/XX/2018 by and through XXXX XXXX without any notification of this said date prior to damaging my credit file. My credit score was decreased 89 points  by this unknown creditor back dating an alleged debt 9 months
My name is XXXX XXXX. I am a XXXX Consumer from  California. At XXXX XXXX today on my cellualr telephone ending in XXXX I got a SMS Need FAST CASH!? Apply NOW at XXXX. XXXX XXXX XXXX To Stop XXXX XXXX is not ok and woke me up. This is a violation of the California Rosenthal Act to say the least. Contacting any consumer before 8AM is not allowed. 

This complaint also involves the parent company LDF Holding LLC.
Discover closed my accounts directly based on other bank closing my account. They will not send me information why they closed my account beside business decision. But this decision was made on wrong facts and are discriminating against me after having perfect payment history for over 5 years with their financial institution. I was told over phone by other bank I was involved with some type of money laundering which couldn't be any further from the truth. I would never do such a thing and I have over 5 years of perfect payment history of all my accounts and good credit scores. So please reissue my accounts because this closure was based on wrong information gathered from other source. Please provide any wrongdoing on my part if thats what you based your decision on if not please reopen my 2 accounts asap. 

Accounts ending in XXXX, XXXX
XXXX XXXX was dismissed in my bankruptcy with the last activity ofXX/XX/XXXX. However, all 3 credit agencies reported it as a late payment in XX/XX/XXXX.
I've been trying to make payments on my car, the car dealership who financed me isn't allowing me to do so causing interest to accumulate. I have also been getting charged {$90.00} added to my account for not having full coverage insurance when I do have full coverage insurance.So During this process my car was stolen and now the dealership won't even return my calls after I reported it stolen they made it clear they were going after the insurance check. The company auto now financial is responsible.
I lost my job in XXXX due to XXXX. I graduated and was unable to find a job. I am married and according to Navient my husband 's income was " too high '' to qualify for lower payments, so they suggested to put the loan on forbearance. My student loan increased from the original {$50.00} to {$98.00} in three to four years. On XXXX, I was informed that I could place my payments for 25 years and that my payments would be around {$650.00} a month. After 3 to 4 years of no negotiation towards lowering our payments, my original balance doubled.
I was reviewing my credit report and there are two medical bills,, that are on my credit file. One does not belong, to me. These accounts, have been sold to two collection agency ( s ). Trans financial ( which was a account transferred from " XXXX XXXX XXXX XXXX XXXX '' and XXXX XXXX ( which was account transferred from " XXXX XXXX XXXX XXXX '' I don't have any outstanding accounts with XXXX XXXX XXXX XXXX '' and I have never done any business with XXXX XXXX ( collections agency ( s ). Both these collection agencies are in violation, because if a debt has been purchased, they are required to make contact and I am allowed a certain amount of time, to cure the matter. Before it can be reported, on my credit file. Per the Fair Credit Reporting Act. Trans financial, just contacted me on XXXX  2018, a year and one month, after the account, was placed on my credit file. As for the XXXX XXXX account. I have no knowledge of this account, what so ever and it is not my account, nor has XXXX XXXX, made any effort to contact me via phone, email or U.S Postal service. To determine if the account is actually my account or if I would like to cure the debt. A direct violation of the Fair Credit Reporting Act.

As for the tow original credit, per the credit report, neither account holder, has ever made a attempt to contact me via email, phone or U.S Postal service, to determine or validate if this debt is my actual debt or if I would like to cure the matter. How can a matter be cured, if one party doesn't know that the matter actually exist
On XX/XX/XXXX I submitted my payment through the Carrington Mortgage website. A week later I received a letter stating that the payment date, amount and confirmation number of that payment. 
On XX/XX/XXXX I received a letter stating that I did not pay my mortgage and that a fee would be assessed. When I called the company, they said that they could not locate the account and that since payment was not made in time, I was late. When I asked why they did not contact me and let me know that they could not find the account information, and that I received a confirmation of payment letter, they stated that they " manage XXXX mortgages and that they may not have gotten to me ''. When I stated that this was not my fault, they said it was they stated " it was my fault because it was done through the website and I entered it incorrectly. ". I said " how do you know that and if that was the case why did n't I get a notification that you did not have the right information instead of a confirmation of payment? ". They referred me to the voicemail of a supervisor.
This company continues to send collection notices to us for a credit card debt that is at least 7 years old. We have advised them several times to stop all collections attempts yet they continue to call and send demands for payment in the mail.
Equifax failed to properly secure my most sensitive data, including my SSN, DoB, Address, and other highly sensitive information, as it was recently reported as compromised. My information can be used not only to obtain credit in my name, but to obtain medication, lift credit freezes I put in place because of this hack, fraudulently file tax returns, and even to obtain cell phones with my own number ( eg, claiming they lost 'their ' [ my ] phone ), and utilize said phone to log into accounts where secondary authentication is sent to my phone. This last case will allow access to every account I 've taken to precaution of protecting with additional measures, such as my email and brokerage account, and the subsequent accounts linked to my email account. 

For the rest of my life I will have to carefully watch my accounts and pay for services to monitor my credit and identity because Equifax could not properly and securely store my most personal and sensitive information.
I was working for an elderly couple doing on XXXX XXXX for 18 months .About six months into my employment they were making payments on my credit card in lieu of cash payments on occasions. They agreed to pay for a school I was attending. They asked that I pay for school on my credit card and they would make the payments on my card. This transpired for 14 months. At that point some family members stepped in convinced grandfather to fire me from job. Then family told his bank that all payments made on my credit cards were unauthorized and the ank took back zapproximately {$12000.00} worth of payments on my cards. Do I have any recoarse?
I have student loans with  ACS  and have been with  ACS  for over 10 years. I had been on an IBR plan and it came time to update information at the beginning of the year and I sent in all required information. I was waiting to hear what my payments were going to be and when they would start up as previously the payments were  XXXX . I then got a bill stating I was late. I called and began making payments on the account trying to catch up. I recently have been talking to a mortgage broker as I am trying to obtain a mortgage. He pulled my credit report and informed me  ACS  had reported me late in   XXXX  2017   . I called them several times to ask them to remove and update the late payment report as it is not accurate. They refused to remove it. I also asked them if I could write a goodwill letter to explain what happened and they said no. I am disappointed at their unwillingness to work with me and my account under the circumstances. It is essential I get the late report for    XXXX    2017   removed to move forward with the mortgage.
" " '' I have disputed this collection XXXX XXXX XXXX XXXX  for months.XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
On XXXX XXXX, I used PayPal to purchase two XXXX baskets for my pool. When I received them, they did not fit. I followed return instructions to receive a refund. 

I did not receive any refund until I sent an email inquiry and then I received a partial refund on XXXX XXXX. 

I sent two additional email queries, which were unanswered. 

I then filed a dispute with PayPal, which issued a conditional refund of {$10.00}, the amount I am seeking but has twice given me conflicting information about why they were ruling against me in the dispute. 

I want the conditional refund to become permanant and I want to end this dispute.
Equifax continues to report a closed current account as 30-60days late. The account in question is a XXXX XXXX auto loan account. The account was paid as agreed and current. The loan in question was paid off on time but yet Equifax continues to report it as late. I 've sent repeated disputes and data. They have not sent me information as to where they got this inaccurate information and what steps were taken. Even after contacting XXXX XXXX about the agreed the account is inaccurate.
XXXX foreclosed on a mortgage that was paid ahead. XXXX agreed to restore and breached the agreement. 

An Underwriter by the name of XXXX XXXX obtained a modification approval on XX/XX/XXXX, using " reverse engineered '' income and property value information. 

XXXX XXXX claimed he verified an appraisal that indicated a FMV of {$160000.00} when he had no appraisal. Bayview loan servicing admitted they had no appraisal from XXXX to the Indiana Attorney General in XXXX. 

The records of payments made showed no payment to any vendor for an appraisal. 

At trial Bayview 's expert testified that the value of the property was immaterial. He claimed that XXXX XXXX loans more money on rental property than it is worth all the time. 

An FHA approved appraisal done in the relevant time frame shows a FMV of {$100000.00}. In addition Bayview admitted to the Indiana Attorney General in XXXX they received no HUD-1 from XXXX. 

At trial Bayview 's witness by the last name of XXXX testified the Defendants we not entitled to disclosure. ( HUD-1 ) He claimed that when 1 of the Defendants signed the original XXXX XXXX Mortgage in XXXX, he waived his rights to disclosure. 

Bayview was fully aware that the prior servicer paid the Defendants Law Firm without disclosure and provided no disclosure.
I received a notification to re-certify my income based repayment plan in late XX/XX/XXXX. I downloaded my XX/XX/XXXX tax return and completed the re-certification process on XX/XX/XXXX. On XX/XX/XXXX I logged in to make my payment due XX/XX/XXXX and saw it was ~1,800. This is NOT income based. I contacted customer service. Apparently the upload function for my tax return was not working on XX/XX/XXXX, which I did not know. I was informed I should submit it then. I did while I was on the phone with the customer service agent. And told it would take 7-10 days to process. I asked if there was anyway to speed that up so that I would still be able to make my XX/XX/XXXX payment. He said no and that I could request a forbearance. I did not want to do this, as I am not making any progress toward loan forgiveness and the loan provider is making money on interest accrued while I am in forbearance. He said I would only need a one month forbearance and that I would have my new amount for my XX/XX/XXXX due date. <P/>I called back today, XX/XX/XXXX, to again ask if there was anyway to speed up the process as I was unaware they were missing documentation after my first submission on XX/XX/XXXX and I am in the process of looking to buy a home and need a loan letter to confirm my actual payments on income based repayment plan. The lady informed me it was my fault for not doing it sooner in XX/XX/XXXX, that they have n't been able to process these re certifications in 7-10 days all year, and I was looking at 2 months and the forebarance request to XX/XX/XXXX would n't be enough. She was unable to tell me when my recertification request would be processed. <P/>I can go to studentloans.gov and plug in my AGI from my tax return and find out my payments under my plan in less than 2 minutes. It should not take up to two months to re-certify. I should not miss two months of payments towards loan forgiveness and the service provider should not be making money of my forbearance requests. <P/>In an XX/XX/XXXX XXXX XXXX article FedLoans was contacted and gave a statement that they were taking steps to correct the problem of significant delays ( defined as more than 15d turnaround ) and they expected to catch up later that month. That clearly has n't happened and it is unacceptable.
On XX/XX/XXXX I file a complaint wit FCC against att abusive charges of international call of XXXX. XXXX responded saying my bill will be reduced from {$1300.00} to {$42.00}. XXXX send me a bill in XXXX XXXX for XXXX due in XXXX XXXX and another one in XX/XX/XXXX for {$290.00} I contacted XXXX and after resolving with costumer service I paid the XXXX with the promise to receive XXXX credit back as soon as my account get cleared. In XX/XX/XXXX XXXX reported me account to a collection agency and this collection agency reported to my credit report. The collection agency never contacted me prior to report it on my credit report. Also they had NO RIGHTS to report it on my credit report at ALL. I file another Complaint with FCC regarding att practices and FCC is on the case. I would like to FTC to get in the case and assist me in this matter. I would like to have this collection agency show prof that I won that money and also prof they attempted to collect a debt and I refuse in order for them to report my account to the Bureaus. I am also seeking for damages from XXXX and this collection agency for the damages on my credit report I am in the process to acquire a house and this collection damaged my possibilities severely. I want XXXX and Franklin Collections Services to respond for the damages they are causing me. Thank you XXXX XXXX XXXX FRANKLIN COLLECTION SVCS UNPAID ( UNPAID ). 
XXXX XXXX, XXXX Alert Date XXXX/XXXX/XXXX Source XXXX Company FRANKLIN COLLECTION SVCS Payment Status UNPAID ( UNPAID ) Status Date XXXX/XXXX/XXXX Balance {$290.00} Balance Date XXXX Address XXXX XXXX XXXX XXXX, MS XXXX
I am trying to apply for a mortgage pre-qualification, I went to Equity Prime Mortgage http : //www.equityprime.com/ this is their home page. I applied for a Mortgage pre-qualification, they sent me an email letting me know that they will contact me in 24 hour but is been a week and they do not contact me and when I contact them they avoid me and does not answer my question,, they keep asking more information and authorization and tell that they will call me back but they never call, when I contact them by text messages or by online chat they close the chat as soon as they get my name and phone number this is not right to me because I have email an agent from them and this guy never answer back
Credit bureaus, refuse to correct information after being provided proof XXXX XXXX reporting DOUBLE JEOPARDY XXXX XXXX/XXXX XXXX they both reporting on my XXXX XXXX report XXXX XXXX XXXX should be remove off of my credit FCRA Section 623 Accordion from XXXX XXXX Investigation Results File XXXX Date issued : XX/XX/2018 XXXX XXXX was DELETED FROM MY FILE XXXX XXXX is still report on my report as of today I sent you a copy of Investigation Results