WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. The accounts XXXX XXXX, and XXXX XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
This is another bogus attempt by Convergent Outsourcing to collect a bogus XXXX debt that does not exist.
I have contacted all 4 credit reporting agencies XXXX, XXXX, transunion, XXXX I sent certified mail requesting then demanding all accounts to be VALIDATED not a verification & to provide me with certified copies of the TRUE BILL and accounting log if accounts ca n't be VALIDATED then it must be removed, remove inquiries, Fraudulent TAX LIEN, remove phone numbers and personal statements, XXXX its a Fraudulent acct. update addresses thryvkerp telling me they have not received any certified mail from me i have the proof they got it UCC 1-308 WITHOUT PREJUDICE
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.
Following is my recent communication with Chase customer service. 

" I recently traveled to XXXX, including XXXX. In the rush to prepare for the trip, I missed a payment, then, to avoid risk of hacking, especially in XXXX, I stayed out of my financial accounts until I returned on XXXX XXXX. Since then I've repaid all arrears and resumed regular payments. All dates and amounts are shown in the attached file history.png. 

Now I find that a couple of missed payments, even though I've regularly paid much more than the minimum for many years, has gained me threats of foreclosure, referrals to Balance, and a severe hit on my credit rating from XXXX to XXXX. What the XXXX??? 

Is there anything we can do to restore the correct credit rating? " Following is their response. 

" Date : XXXX-2018 XXXX From : XXXX XXXX XXXX Subject : Re : Other Inquiry Message : Hello XXXX : I hope you enjoyed your travel to XXXX! 

I am happy that you brought this matter to our attention through our Secure Message Center. I can see how rushing to prepare for the trip caused you to miss your mortgage payment. I realize how upsetting it is to receive notice of foreclosure and the result of your credit rating dropping, especially after you've consistently paid much more than the minimum each month for several years. My name is XXXX, and it is my pleasure to assist and provide you additional information. 

XXXX, I first want to thank you for bringing your account current. I want to reassure you that you are up to date on your loan and we are not going into any foreclosure proceedings. I realize your frustration behind your credit rating dropping due to missed payments. Please bear in mind, your payment is due on the XXXX of the month, but we'll consider it paid on time with no fees assessed if we receive it by the XXXX. Late fees are not reported to the credit bureaus. To be considered on time with no negative credit reporting, your monthly payments must be received within 29 days of the due date. 

We are obligated to follow the fair credit reporting guidelines. This means we can not change any late credit reporting unless it was reported incorrectly. 

I do want to mention that we do offer the Autocharge ( ACH ) program that automatically drafts from your checking account each month. This program will allow you to choose a date from the XXXX to the XXXX of the month to have your monthly payment automatically drafted without having the worry of a late charge being assessed or for your credit to be negatively impacted due to missed payments. 

For your convenience and immediate access, I've attached an ACH application to this email. You will need the latest version of XXXX XXXX XXXX installed to be able to open the attachment. 

Alternatively you can enroll online on chase.com. If you need any assistance enrolling online, you can reach us as XXXX, anytime. 

If you require any further assistance, please let us know. 
We are only an email away and always here to help. 

Take care, and have a great weekend ahead. 

Best regards, XXXX XXXX Chase XXXX XXXX TTY / Text Telephone www.chase.com ''
To whom it may concern : On or about XX/XX/XXXX I called Citi Mortgage in order to make a request for the canceling of the PMI in my home mortgage. On XXXX I received correspondence from Citi Mortgage and it stated that as a requirement of the canceling of the Principle Mortgage Insurance ( PMI ) in my mortgage loan that my loan to value ( LTV ) would have to be at or below 75 %. This is in contradiction of the information given on the Consumer Financial Protection Bureau 's web site which states : These rules apply to mortgages closed on or after XX/XX/XXXX. Federal law generally provides XXXX ways for you to remove PMI from your home loan : canceling PMI or PMI termination. 
( My loan closed after this date ) The Homeowners Protection Act gives you the right to request that your lender cancel PMI when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. 
( It goes on to say ) Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. 
I want this benefit and upon pointing this out to a Citi Mortgage Representative # XXXX on XX/XX/XXXX to no avail I was told by her that 75 % is the rate at which I can obtain the canceling of the PMI in my mortgage lo
On XX/XX/18 I received a letter from NSA, North Shore Agency. This is a collections agency demanding delinquent payment owed to XXXX XXXX XXXX. The letter was dated XX/XX/18. 
I did not order this magazine and spend over 40 minutes trying to contact them. All of the phone numbers forwarded me to automated answering machines or left me on endless hold, finally inviting me to leave a message, but with no promises that the message would be received. 
I never enrolled in a magazine subscription of any kind. I do not owe this debt and will file a complaint with the US Postal Service as well as this is mail fraud. 
I filed a claim with the Federal Trade Commission and the Consumer Financial Protection Bureau.
I opened BOA XXXX XXXX account back in XXXX, but now they are forcing to convert this no-fee checking account to a fee imposed checking account, so-called XXXX XXXX. They were promised me that this is a lifetime no-fee checking when I opened it, but now they try to convert it. Call but no help at all.
On XX/XX/2018 I was notified by XXXX, a service of XXXX that a new collection account was added to my credit report. After finding the entry, I looked up the company that had placed it, XXXX XXXX XXXX, found their website and filed an inquiry into the account. I received an email response that did not acknowledge the account or address the information I provided them regarding the ID theft and fraudulent account report. I provided them with the FTC ID Theft Report number, Information about the original account fraud notification to all 3 credit reporting agencies, and the fraud notice on my credit reports. This particular ID Theft event was a closed matter. Some entity has sold the account, knowing it was ID theft to another collection agency, which is allowing this to continue. It should be illegal to sell an account that has been attributed to fraud or identity theft to another collection agency. Especially without having to ever notify the consumer. I was never contacted or notified about this debt until it was reported on a credit report. That is when I first learned of the account. I have been a XXXX customer in my home state, 1000 miles from the ID theft location, for years. XXXX never contacted me about this account! This is wrong.
Today, I contacted JPMORGAN Chase regarding an overdraft in my account which caused a domino effect in extensive NSF fees totaling {$200.00}. I explained my situation where my account is blocked from making mobile deposits & that I have to funnel deposits through a savings account then make a transfer the next day ; in addition there are no Chase locations within over XXXX miles of where I live. I also explained that I have no source of income & currently out on XXXX. I pleaded if as a courtesy they can work with me in reversing some of the fees since this will cause additional financial hardship. The rep said they would only reverse XXXX {$34.00} fee. I spoke to 2 other senior reps not Supervisors or managers & they refused to help me further. I was even denied to speak with a manager in customer service. Now I am out a total of {$270.00} because of this block on my account to make deposits & because the bank pays out a check for {$140.00} first then charges for each additional item ( which in my case were small amounts of {$10.00}, {$20.00}, {$7.00}, etc ). The fees were XXXX the amount of the debits. The bank makes money on each NSF fee accessed in retail banking meanwhile the bank reverses fees in other departments like XXXX, Government banking, etc. When I worked at the branch level I reversed fees as a concession to customers all the time ( especially if there was a hardship sitatution ). 
I am a XXXX single mother to XXXX children with no source of income & my bank who I 've been with for years in which I trusted basically does not care that they took food out of my children 's mouths. It 's a shame how the poor customers like me are robbed with these astronomical fees while the wealthier customers get all their fees reversed with no problem. Ithe seems like discrimination & unfair business practices when you have a set policy for one area & another policy for another. It is 1 bank & every customer should be treated as a valued customer. I know this for a fact in my former experience working with the bank.
To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to Equifax, XXXX and XXXX. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( XXXX ) and 25 ( Equifax ) Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.
The harassing phone calls began, after I took my payment scheudule off of the automatic debit, from my checking account. I still make my payments, in the same fashion, however, I am two weeks behind. 

One Main Financial, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has continuously called my cell phone, up to 6 or 7 times a day. They have also called my place of business. 

I believe the phone calls are intended to pressure, intimidate, annoy and stress me into getting back on the automatic account debit. 

I have made my payments on time through this method, for over 3 years. 

I refuse to pick up the phone, and continue to make my payments on-line during the month that it is due. 
This is a predatory lending institution that preys on those that are in financial binds.
I have a XXXXXXXX XXXX XXXX Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called XXXXXXXX XXXX  to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. XXXX XXXX XXXX is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting XXXX XXXX XXXX to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. please rectify this error on my credit report. Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. Thank you
I sent request for information, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMEDIATLY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
i have already filed against my bank regarding mounting fees on a loan that was paid off XX/XX/XXXX. after an investigation by your company. thought you were supposed to fight for the little person not for the big corporations. the complaint filed before was that Bank of America dipping into our account to pay our county taxes. My husband spoke to one of your representitives. could not get her to understand what we were trying to tell her. tried to get her to understand that you guys have only heard their side of the story. pieces of the story are missing. their was not there. where we had made multiple calls to customer service to BOA and multiple trips to the brick and morter branches to speak to managers and anyone that would help us with this problem to no avail we could not get any resolution. we need someone to represent us and not the big companies. this is supposed to help us the Consumer. unless you listen to our side we will have no other alternative but to seek legal help. Please reach ougt tous so that we can resolve this. 
Thanks XXXX and XXXX XXXX XXXX or XXXX
Insurance co was supposed to pay this medical debt in amt of {$660.00} and {$73.00}. I told them that insurance was supposed to cover this debt, they kept telling me they will just add it to my credit report and it will ruin it if I do n't pay them in full.
I lost my wallet many years ago!   This is not my debt. I have reached out to dispute this Matter with the collection Agency, as well with the  XXXX  bureaus. I am doing what I can to fix this problem that is not mine.
Sent the attached letter at the same time I filed this complaint with CFPB. See Cover letter. I paid {$39.00} for this XXXX reports with various errors and outdated information. XXXX percent of the report is wrong.
n XXXX of 2017, My internet friend named XXXX XXXX referred me to an FBI agent in XXXX named XXXX XXXX who said that he could investigate the scam case for me in XXXX and got the criminals apprehended and flied back to U.S. for a trial. 
At that time, I trusted them a lot and provide with them all the information that they need. XXXX XXXX did not ask for money in the beginning, but later on he said that he had received an arrest warrant and will have two of his men went to XXXX to arrest the criminals. So after two day later, he said his two men had arrived to the XXXXXXXX XXXX XXXX in XXXX to execute the arrest warrant. But however, the XXXX XXXX XXXX needed {$4300.00} to register a warrant from the U.S in order to arrest the person. XXXX said that I needed to pay that money immediately so that the warrant would become effective. He gave me a persons name called XXXX XXXX who is the officer working in the XXXX. I need to transfer {$4300.00} to him by XXXX. Finally, I made the following 2 payments. 
Order date Amount Reference No : XXXX XX/XX/2017 {$2000.00} Reference No : XXXX XX/XX/2017 {$2300.00} After they received totally {$4300.00}, XXXX XXXX started to ask me another XXXX certificate payment of {$14000.00}. I immediately suspected that something wrong with this case. So I stopped making all the payments. Then XXXX XXXX started to scold at me and then stop all communication with me. 
Later on, I found out XXXX XXXX is a faked FBI and his introducer, XXXX XXXX is also a scammer. However, I lost {$4300.00} already and I dont know what will be the best ways to recover my lost money.
I bought XXXX TVs from XXXX. One was fine, the other arrived damaged ; I requested a replacement which arrived damaged. I asked for another replacement ... they said they could n't. They would credit me and I can reorder. They said they would honor the discounts from the original order. I tried to reorder and they would n't honor what they said. I reordered anyway and they sent a similar, but wrong TV. After hours of emails and phone calls they refused to replace the wrong TV. At that time I disputed the charge on my Target credit card ... all to no avail. They denied it ... without understanding. I called the number and left a message with the person handling the request for the dispute, but he did not call me back. SO OK I GAVE UP. I PAID THE BALANCE DUE. All I asked was that they credit me the minor amount of interest during the dispute time. They credited some but not all. The balance is only {$19.00} ( all interest during the failed dispute period ). I closed the account and would like this credited to my account and have my credit report corrected if they reported any lates. XXXX and Target credit card is impossible to deal with. The overseas call center is terrible. I hope to put this issue behind me as soon as possible.
I signed up for service with XXXX XXXX. They asked for my social security number. I didn't want to provide it so I told them I was XXXX   and didn't have one.

Despite me not giving them my permission or my social security number they accessed my credit report.
I was not granted any minimum payment forebearance waiver.  I did not make my XX/XX/XXXX minimum payment.  That is the help I needed in XX/XX/XXXX related to Hurricane Irma!  The help provided in the Bank of America response is of no help.  I will be filing complaints with the NAACP and ACLU.  I'm not satisfied at all.
I had problem with citibank. About 6 years ago, I deposited check that I got from my friend 's parent that my friend owed me. Parents were staying in  XXXX   XXXX  and they were confused between check they had and accidentally gave me check from closed. Also, About three years ago, I got suspicuous check so I personally went to the bank and asked if the check is okay, and they confirmed so I deposited the check. Due to that transaction, citibank closed my account and ever since than, they are not allowing me to open checking account with them. Very bad customer relations
Experian refuses to allow me to dispute information regarding inquiries. Since it 's easy to take someone 's personal information, match it to an application and leave the inquiry as-is, they have repeatedly refused to remove the inquiries I have enclosed ( I circled them ) and refuses to request the companies in question supply an original application, which is FCRA mandated. 
Moreover, they refused to let me dispute XXXX/XXXX when the items and information reported have never been proven as mine, or proven accurate. 
I have the right to request a written copy of the process used to determine the information on my report is accurate as shown. So I am doing so.
I received a call from Navient on XXXX saying my account was past due.I made a direct debit payment over the phone to them which brought my account current. I received a confirmation number and a copy of my bank receipt which evidences the payment. The representative told me the account was now current, next payment will be due in XXXX. Yet on XXXX they reported me to credit reporting agencies as delinquent. I called Navient and they lied to me saying they do n't report past due accounts until they reach past 90 days but I showed them that they reported me anyway at 60 days, even though i made the payment!! They told me they would look into it and could not explain the negative credit reporting DESPITE PAYMENT BEING MADE ONE WEEK PRIOR! When I asked them to remove it, they said only they would " look into it. '' I asked for the name of the person I was speaking to, they would not tell me, only an ID number. I asked them why this was done to me they could not explain. Because of this false reporting, my credit rating dropped 30 points. This company is so crooked!
XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION MODERN ADJUSTMENT BUREAU XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT
My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly.