WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to submit these documents online regarding this incident on identity theft and I was given an error message from the online team XXXX error XXXX then I was told to call consumer relations to have an update ... then called them and they told me to contact the online support ... so now im upset that I have tried mailing with no success online with no success so now im submitting it this way ... this is regarding the rest of the information that I received regarding the identity theft on my file, .... that I have been going through since XX/XX/2009 but more recently getting more calls on these accounts that were opened as a result of identity theft and a recent one from XXXX XXXX,,,,,, I have been trying to research who could possibly bee doing this .... I can not change my social security number so I really don't know what to do,. I filled out an FTC affidavit from the .gov website with the accounts that are fraudulent .... the bureaus for the most part have removed the fraudulent addresses and some other personal information that was fraudulent these are the accounts that I have also mailed to you about 2 months ago now at the end of XX/XX/XXXX so im trying to get it to you this way since I can't seem to get it to you any other way so I can finally get all this mess straightened out the accounts are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Hello, XX/XX/2016, I printed my free credit report from Experian. Going through the report under the section ( other personal information associated with your credit, social security number variations ). There is a social security number that is not mine. It does not belong to any member of my immediate family. I need it removed and all credit reporting information associated with this social security number.
we received a XXXX from XXXX for XX/XX/XXXX on an account that was settled for less than amount due in XX/XX/XXXX with HSBC/Beneficial. Since it has been over 7 years no one has any documentation ( only required to keep for 7 years ) and they can not sell an account to XXXX that is no longer collectable. I have included the XXXX credit reports that do not show this account at all as my guess is that they removed it when it was settled instead of reporting it as such as well as the response from the CFPB case # XXXX cfpb dispute.
I received an email from the Citi Fraud department so I called Citi credit card services to gather more information. Upon talking to the representative I was advise a dollar amount that was different than what I had. I had used XXXX promotional checks from Citi for 0 % on balance transfers until XXXX/XXXX/2016 with a {$5.00} or 3 % fee, whichever was greater. After talking to the fraud department I started questing the amount and they transferred me to a customer service where I was told the fee is % 5 not % 3, I advised that the paper I have that is attached to the check states 3 % not % 5, Citi has mislead me as a customer as to what the offer really is. The manager and the representative could not explain nor wanted to help why I was charged % 5 and not 3 %. Citi is a misleading consumers.
I have been having trouble with Wells Fargo Mortgage for 7 years I've been trying to get Wells Fargo to remove a negative remark on my credit report that states my home at XXXX XXXX XXXX XXXX XXXX NY was in a bankruptcy in XX/XX/XXXX. it was not I had been making payments every month right up until I sold the home on XX/XX/XXXX.I have called Wells Fargo at least 10 times about this problem to no avail. I have also sent certified letters to all three credit bureau 's with supporting documents to prove that payments were made and that the home was sold in XX/XX/XXXX and paid in full. Still no one is correcting my credit report now I want Wells Fargo Mortgage removed from my credit report completely or at least updated and the statement that house was in bankruptcy removed and it should show house was paid in full. It is my experience that Wells Fargo Mortgage is dishonest and a crooked lender they are allowed to get away with murder and no one stops them. I have sent all 3 bureau 's undisputed proof that the house was paid for and I made my payments on time for the last two years.I need the XXXX XXXX to intervien and get my credit report with all three credit bureau 's corrected. please help me. on XX/XX/XXXX I sent letters to all three bureau 's requesting a correction but they did nothing on XX/XX/XXXX I also sent out letters certified mail. demanding that they correct my credit report but I assure you nothing will be done. I have copy 's of all corespondence including certified letters supporting documentation to prove my house was not in a bankruptcy.and am ready to inclose with this complaint.
We have in numerous occasions contacted SPS to attempt to refinance, loss mitigation and offered a short sale which should be on recorded conversations with the company. We were told that we were not eligible for any assistance options at all. 
Then when we found a foreclosure realtor specialist she was told that we were sent a letter in XXXX that said we were eligible for a short sale.

We never received said letter and we were told verbally on a recorded line by a SPS representative, after being placed on hold, that we were not eligible for a short sale. So we felt we had exausted every opportunity we had. Now to find out it was all a lie.
Are calling multiple times per day, as frequently as 5 times per day using a XXXX number and leaving NO message as directed This is disruptive to my work environment. Other creditors are leaving Voice messages and only calling 2x per day maximum and leaving Name, Company Name and number to be reached at. 

I believe Ace Cash Express is in violation of FCRA.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complaint Department Experian.com XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the following information that your company provided to Experian.com my Report number is XXXX on XX/XX/XXXX I have circled the items I dispute on the attached copy of the credit report I received. 
This item XXXX Credit Account Number : XXXX .... 
Date Opened : XX/XX/XXXX Status : Transferred, closed. Account XXXX : XXXX ... Date Opened : XX/XX/XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Transferred, closed. 
These above accounts are been rehabilitated according to the department of education Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open/Never late Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XX/XX/XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the department of education. U.S department of education National payment center XXXX XXXX XXXX GA XXXX ( phoneXXXX XXXX ) my account is XXXX. 
According to the department of education the above duplicate accounts listed ( XXXX ) should be removed. The department of education further reports that credit bureaus should contact the department of education while these items was disputed. While the credit bureaus never contacted the department of education, provided me the letter as evidence mail to Experian.com. according to the department of education these items should be removed. 
Furthermore Account Number : XXXX .... Date Opened : XX/XX/XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. 
I am requesting that Experian.com have the item ( s ) removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my U.S passport and driving lic, as evidence that I have one single name. supporting my position. Please reinvestigate this [ these ] matter [ s ] and contact the national credit reporting companies to which you provided this information to have them deleted the disputed item [ s ] as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
University of Pennsylvania
I sent two endorsed checks for deposit into my Key Bank account. The checks were sent by USPS with signature required. The checks were for {$41000.00} and {$910.00}. Per the USPS, the envelope containing the checks was signed for in the XXXX Post Office by XXXX XXXX on XXXX XXXX 2017. Since that time I have been in contact with numerous Key Bank " customer service '' representatives. Each time I have to start over and recount my activities to date. Each time I am promised a representative will get back with me. After the first 3-4 calls, I have had no one call back to follow-up or provide status. The last contact I had was with the bank was XXXX when I was informed the package had been located/received in the XXXX office XXXX XXXX. I was further informed by the USPS Postal Inspector who was handling my inquiry, that they received word from the bank that the envelope with my checks was located in central processing/XXXX. This was the last information I have had and as stated previously, Key Bank has been less than responsive/helpful. Your assistance in helping me to get the checks located for certain and credited to my account is requested.
XXXX XXXX XXXX has filed a garnishment for a debt that is not in my name. 

This was resolved around XX/XX/XXXX or XX/XX/XXXX. 

They have now Garnished my bank account for a debt that is not mine.
I had an overdraft fee of {$100.00} just about for TDBank. I go to open an account at XXXX Bank and I am denied due to the fact the back closed the account which I knew but hadno idea that it would go to a collection agency. Then I had paid it off and went to open the account because I was told that TDBAnk was only holding my account through their Credit systems and it would be clear. Well I went the next day to open my account and still could not. I need this account for my new job and it is very important. How can I fix this problem as soon as possible?
Hello, XXXX. I did XXXX deposit XXXX XXXX Eur XXXX into Coinbase but I did n't include the reference number and money is n't on my coinbase account. I have been chatting online with coinbase but its only comes with automatic reply. 

Kind Regards
WELLS FARGO BANK MORTGAGES, { CROOKS } This is the XXXX time this year that fraud and perjury has been commited by this bank, and fined by the cfpb, yet no compensation has been passed on to the consumer? i think this is a deliberate act to making the consumer think that justice is being done to wells fargo bank, i request proof and proof of consumer recieved paymants, this bank and ceo XXXX XXXX is a lieying cheeting piece of scum, and should be in jail, the fraudulent mortgage fraud is far more important card and charges? and incured vast amounts of peoples moneys [ STOLEN ] by wells fargo bank [ mortgages ] there has been fraud, perjury, fasifying documants, Theft of moneys, counterfiting, all committed by staff for the banks gain [ greed ] i demand that wells fargo bank mortgages are brought to justice also corrupt [ tickiting ] judge XXXX XXXX whom has passed missery onto familys for his personal greed? bank shareholder, He mocked my XXXX language [ XXXX ] this bank needs to be closed down NOW
A company called Puget Sound Collections is reporting that I owe them a debt of {$1200.00} and keeps illegally increasing the debt owed on my report every month. The account number being reported to my credit is # XXXX. I have never had any dealings with this company and do not know why they want me to pay them this money. There is no reason for this debt to be on my credit report. I received no written notification that they were placing this debt in collections and I only discovered it was on my credit in recent months. I will also need to understand why they are increasing the balance owed on my credit every month. My XXXX XXXX credit report shows a balance of {$1100.00} and my new XXXX XXXX credit report shows a higher balance of {$1200.00}. Under the FDCA 808 which  governs unfair practices, a debt collector is not allowed to add their own fees or expenses to any amount being collected on. It appears this is what this company is doing in trying to collect this debt and this is completely unacceptable and unethical. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. They appear to be based in XXXX Washington and I have never lived in Washington in my life. I will not give my money to a company that I do not recognize and who will not tell me why they want me to pay them.
On XXXX XXXX 2017, I went to lease a car to XXXX XXXX XXXX XXXX VA. They checked my credit report on equifax credit bureau. According to equifax, I have no credit profile. 
On the other hand, I have three credit cards of XXXX XXXX, XXXX and XXXX XXXX. Three of these companies have my credit profile and I have a good credit score near more or less than XXXX. I talked to XXXX XXXX and they told me that they report my credit profile to all three credit bureaus including equifax and XXXX. XXXX XXXX customer service agent told me that they are legally confined to send my information to all three bureaus. 

Then I talked to XXXX and they told me that they have my credit profile as XXXX XXXX, XXXX XXXX and XXXX is reporting them my profile on monthly basis. Contrary to this, Equifax told me that they do not have my credit profile and any of these three companies including XXXX XXXX, XXXX XXXX and XXXX is not reporting to them my credit profile and I have to talk to my bank XXXX XXXX about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.
I was never given an entrance exam to start college and I was told to get a private loan. After I used up the private loan they had me take out federal loans. I have asked Wells Fargo to help me since I ca n't afford to pay this loan, they refused to do anything. 

XXXX XXXX, Ohio
A payday loan was obtained with my personal information without my knowledge or consent. The loan amount was {XXXX} and deposited directly into an account with XXXX XXXX where I do not have an account and when I called them and gave them the account number I was informed that the account was not in my name.
My loan was previously being serviced by XXXX  XXXX XXXX # XXXX. I began receiving communication that i was two months behind on my mortgage payments and, immediately, attempted to contact the servicing department to get clarification on the dates that were missed as I have ALL of my cancelled checks. I had asked, on numerous occasions, for them to provide the dates that they show were missed so that I could provide the correct documentation. On each occasion I was told that they could NOT provide a detailed payment history but they continued to send letters and report their information to the credit reporting agencies. On XX/XX/XXXX I received a letter that my servicer was being changed to Specialized Loan Servicing LLC. ( stating that any payments sent after XX/XX/XXXX should be sent to them - albeit sent 11 days AFTER payments should be sent to them ) On XX/XX/XXXX I started receiving letters, again, that I was " seriously '' delinquent on the mortgage. They were contacted, immediately, to request a payment history ( again ) so that I could provide the correct documentation. After I was told that they could not provide a payment history ( even though they would have received all of the documentation from my previous mortgage with XXXX XXXX XXXX ) they provided a payment history from XX/XX/XXXX to XX/XX/XXXX, with corresponding late charges. On XX/XX/XXXX I received a letter that they were going to begin foreclosure proceedings. THIS is in violation of the, most recently updated, RESPA servicing rules in that my mortgage would have to be 120 days delinquent in order to begin foreclosure proceedings. Not including the fact that the company must also provide loss mitigation options which I have never received AND do not need as I just need to know where they believe I became delinquent! In addition, ALL corresponding late charges and any, negative, reporting to the credit bureaus should be removed. This is a perfect example of why the RESPA rules were amended to assist consumers with servicing companies that continue to take advantage of them. Please feel free to contact me for further information.
I disputed with a Experian on XX/XX/XXXX on XXXX XXXX XXXX, Account # XXXX. They stated it was verified and updated but they didnt actually verify it. There has been no date of status since XX/XX/XXXX which means the account was never investigated. This is violations of FCRA and FDCPA and it needs to be deleted immediately.
I have numerous bank/mortgage accounts that I make payments to each and every month. 
Since my home loan ( servicing ) was/has been sold ... .I can not review ( online XXXX my payment history ... ... along with details about where/how my payment XXXX XXXX ) have been posted/brokendown. 
I have requested this numerous times ... .but to no avail ... ..below is how it looks on their website : " View Accounts Account Information Account Number Borrower Name Property Address Outstanding Balance * Account Details '' With NO DETAILS below this ... ... they want you/customers to submit ... .in writing to obtain a written statement ... ... I get those ... .but they are always incorrect ... .since their cutoff date ... is WAY before the final due date ... ..it 's very frustrating!!!! 

I can go to any other payments that I made/make at other institutions ... .and they information is RIGHT there in front of you ... ... this is the ONLY firm that does NOT provide this information ONLINE that I deal with ... ..and I deal with A LOT of banks!!! 
FYI ... .they keep referring me to an ... .. '' XXXX '' ... .. 
Please advise.
2 Certified lettershave been sent to XXXX # XXXX and EXPERIAN # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XX/XX/2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE
I signed up for a citi doublecash card with a promotion that stated that if I spent {$500.00} in the first 3 months that I would receive a {$100.00} reward. I opened the account in XX/XX/XXXX, never received the {$100.00}. I called citi and they said they were unable to honor the offer because it didnt show up on their end. They said I didnt use the promotional link even though I have a screenshot of the link I applied under. I told them that they were not honoring the terms of the promotion and they said there was nothing they could do.
I made a purchase of {$480.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
I returned money from my loan within 90-days following the distribution of the second half of my loan for year ( i.e. money distributed in XXXX -- & gt ; money distributed in spring, which I then returned part of the money ). However, instead of having that money being returned to the principal amount, Navient handled that refund ( i.e. I had no other option ) so that the money returned went towards interest and repaying off the first half of the loan ( XXXX loan ). As a result of this money going towards interest rather than all to principle ( which should be case given I was returning it within 90 days ), I ended up having to pay more since my principle was higher and accumulating a greater interest over time.
To Who m It May Concer n   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX    SOC #    XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Who m It May Conce rn : This letter is a formal request to correct inaccurate information contained in my C redit Reports. The item ( s ) listed   below are as follow : Have enclosed a  XXXX  bills ***PLEASE UPDATE MY C URENT ADRESS  ADDRESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   FL    XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance w ith 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my   claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuan t to 15 U.S.C. 1681i ( b ), I   request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the  past six months.      Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in qu estion, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as require d by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to compl y with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX   SOC #   XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
I had bought a used vehicle in/or about XX/XX/XXXX, I come to find out the vehicle had been a rental vehicle by XXXX and Had been seriously wrecked on left rear and repaired by XXXX but of course the XXXX reported no accidents which I have come to find out this is common of rental companies not to disclose their vehicles have had accidents etc nevertheless, I fell behind on payments and this company ( Skopos Financial ) In Texas, Repo the vehicle in XX/XX/XXXX and as of this writing on my credit reports this company shows this is still an open loan as if I stll have the vehicle, and the automated voice account services I checked XX/XX/XXXX shows the same balance as is listed on my 3 different credit reports, and this is all in correct, They sold that vehicle in XX/XX/XXXX, So it should NOT be listed as an open loan, and the amount of balance should be reported as well being the vehicle was sold and I was never told what the bal was. I have contacted the credit places to try and correct this and nothing has been done, seems like this company has not made any reports to the credit reporting places since XX/XX/XXXX when they took the car. Skopos I feel is intentionally leaveing misleading, wrong information on my credit reports.
The phone number on Net Spend XXXX does not work, the website will not allow me to talk or email anyone, only XXXX bucks but I cant use the card for travel as expected and now I cant contact a human or an email. This is ridiculous and wrong for a company to do to XXXX older Americans just trying to get by.