WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports. 
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of Equifax and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( XXXX ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX XXXX 2. XXXX 3. Nation Wide Recovery
XX/XX/XXXX - I lost my XXXX XXXX Check Card. XX/XX/XXXX - Called to place a hold on the card and order a new card. XX/XX/XXXX - XXXX made me aware that unauthorized activity had taken place on the card and transferred me to the fraud department and this department ensured me that the funds would be recovered. Informed me that the fraud department would follow up with a phone call. XX/XX/XXXX - The fraud department never followed up. The funds were never recovered. I called to see why I had not received a call and was given the runaround. 
XX/XX/XXXX - An agent named XXXX, who was extremely rude called to inform me there was no guarantee that my funds would be recovered and talked to me with very little respect because I did n't file a police report. I explained that I would and the only reason I did n't is because they ensured their investigators were on top of it and I did n't know who to file the report against exactly. XX/XX/XXXX XXXX XXXX XXXX XXXX from the executive office responded to my BBB complaint still refusing to return the funds and telling me the bootleg investigation they did had been closed. When I previously filed complaint # XXXX, XXXX XXXX disassociated themselves with BNY which are supposedly the issuers of the card. So now, I am trying to address this with the proper company. I have tons of proof to be uploaded but it wo n't let me go over 10MB. I uploaded my first call with them but I have 6 other calls that follow to prove their negligence, disrespect and outright lies.
These are small XXXX XXXX bills that are owed and I never received any billing statements or knew anything about owing these bills ( they are bills from 2 to 4 years ago ). I received a letter from a collections agency requesting that these be paid in full. I called the collections agency and was informed that I am committing an unlawful crime if I do not pay these ASAP. This is not right for them to try scaring me or making suggestions of this kind. I do not appreciate this kind of business tactics.
Dear sir, In early 2015, my late wife became ill, and she became deceased. I XXXX XXXX XXXX informed the bank of her passing, which is why I was unaware of any correspondence informing of a change in the pay plan of my mortgages. My bank was authorized to automatically pay from my checking account. They had no right to stop this service agreement because the checking account is only in my name, therefore my late wife had not been enrolled in this electronic payment service agreement, and I am responsible for making payments, which were routinely drafted on the scheduled draft date. 
I should not be charged for insufficient funds because the servicer stopped automatic payment, and that resulted in a late payment or otherwise in default.
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXCredit Collection ServicesXXXX XXXX XXXX, MA XXXX-XXXXAccount # XXXX do not except your offer to do business. If you attempt to force me to do business with you under threat of economic harm, then that is attempted extortion. If you attempt to force me to do business with you without any written relationship between us, then that 's fraud. If you continue your course of action, I will consider the situation a crime and act accordingly. Return this account to whoever asked you to invite me to pay whatever it is you are collecting. 

Sincerely, XXXX XXXX XXXX
this is a Home Equity loan taken out in XX/XX/XXXX the lender is Chase Bank. I have other major issues with the primary loan ( handling separately ) I also have, but this complaint is for this one ( Equity Loan line of credit ). My due date on this loan is the XXXX of each month. First let me explain when I took out this loan in XX/XX/XXXX the person signing me up ( no attorney or consumer rights acknowledged ) the only question that I had to answer to a bank employee at my home was if he thought my home was worth the value of the loan also NO questions about my monthly living expenses, he at the bank where i signed explained that after the first 10 yrs the interest will paid then the payment will go down to " only '' payments on the actual principal. Over the past 3-4 yrs I have had an enormous financial decrease in income and started paying attention to my finances with special note on my debts. Not only has this loan after speaking to multiple Chase Bank employees been discovered to total out at 75 % interest if I continue making only interest payments ( lower monthly payment ) but I was told that I was expected also, to not only continue paying interest payments, but now also in addition now to make principal payments ( XXXX monthly payments amount ). I have already paid as per Chase Banks own records XXXX in interest the past 10+ yrs, but continuing to pay only the interest by the end of the term another 20 yrs, will total another XXXX plus the full XXXX principal. This totals XXXX on a XXXX loan which by my math is 75 % interest ( XXXX ) then the balloon of XXXX. The total for this loan if go to full term is XXXX XXXX XXXX for a XXXX equity line of credit loan. Now since fighting with Chase on my primary loan, I am noticing that they are attempting what I will call Fraud on this loan. On the XX/XX/XXXX I sent in the payment ( see attached ) and it was received on the XXXX. I called my bank on the XXXX and spoke to XXXX '' ( rep ) she stated that they did not receive it and it is expected, I said to her " NO I sent it on the XXXX ''. She gave me provisional credit ( as she called it on the XXXX ) Case # XXXX. It finally showed up at my bank on the XXXX ( day after due date ) Then I later received a letter stating they recorded it and made the " adjustment '' on the XXXX, the SAME day I sent it to them!!. I am declaring that Chase Bank is trying to cause me a fraud situation and trying to put me in financial harms way due to my upcoming court case with my primary loan that is a predator loan. Please see all attached!!!
I have Disputed this account since it came on my report XX/XX/2017. I am not the owner of this account. I even called and they said I would have to file a police report to have the collection removed. This is really hurting my credit. I am a teacher and I can not have false collection on my report. 

PHOENIX FINANCIAL SERV Outcome : Updated - The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details.
I received a letter from this company to learn I had multiple account for XXXX XXXX hospital in their office. Being this was the first time I had heard about these I called right away to ask to make payment. Initially the first rep used scare tactics to obtain my employment information. I refused and provided him with my personally identifiable information and refused to answer the unnecessary employment question. The rep then became very abrasive and combative when he gave me an amount different than the bill amount ( {$430.00} on the bills and he told me {$860.00} ) so I asked to speak with someone else. At this point I was placed on hold for several minutes at which point the rep ( XXXX ) came back to the line and it appeared he had no one else on the phone with him nor did he say anyone else was on the line. He told me if he transferred me I would have to go through this again, is that what I want!?. Taking this as a threat I once again asked for a supervisor to which point another rep named XXXX XXXX abruptly and without warning chimes in on the call and started to hammer me again for the verification information. XXXX was gone and I was now being asked again about my employment. At this point when I declined I was confronted with why I was refusing the information. When I responded asking why it was required XXXX proceeded to tell me it was federal law that I verify my employment when asked. Given I knew this was a lie and yet another scare tactic I asked to speak with XXXX XXXX or XXXX XXXX. XXXX then responded to that request with, why is it because shes your Aunt? Offended and further threatened by me a his XXXX seeming knowledge of my aunts name and employment I hung up the call in a fear for being threatened by this XXXX. He told me if I hung up Id never be allowed to call there again and they would refuse my payment but I hung up any way. I want this investigated and XXXX to be reprimanded
I sent a letter to have XXXX XXXX XXXX to have them Verify my debt In with my signature of where i signed, payment history, etc. All they sent me was a letter to settle the debt. 
windstream is the original debitor. i want this removed from my credit reports. I did not incur these charges or ever reside at the residence where XXXX was purchased. 

Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00}
When I was laid off in 2013 I went on Federal and State Unemployment. When I called Navient and told them I had lost my job, I was told that it was not a problem and that while I am receiving unemployment benefits that my loans could go into deferment. I thought that was extremely helpful at the time, and I was unaware that i would spend the next year or after making Capital Interest payments. Example - Loan XXXX original amount {$5000.00}, Current payoff for Loan XXXX = {$6700.00}. Even still the majority of my monthly payment is absorbed by interest. In addition to this complaint, I would also like to add that my XXXX student loans, where I make 1 automated payment monthly, currently reports to the credit bureaus as XXXX accounts with late payment history from 2013 directly before I went on deferment. XXXX negative accounts is an excessive and unfair derogatory report which affects current interest rates and rates I will be approved for in the future.
I have been denied access to making payments online for my Wells Fargo HomeEquity line. I have been attempting access since XXXX XXXX. Was told that myaccount shows a previous Bankruptcy filing so I will never have online access. MyChapter XXXX Payment Plan Bankruptcy filing was discharged in XXXX XXXX ( sevenmonths ago ). The Chapter XXXX was filed in XXXX. This account has been paid asit should for the last 5 years and was not a part of the Chapter XXXX payment plan. 
I have attempted numerous times to request online access. In addition, my XXXXmortgage is with Wells Fargo and I have always had online access. I cannotunderstand why there would be XXXX separate processes within the same company. 
In addition, it is a hardship for me to have to call and wait " on hold '' time and timeagain each month to make a payment " over the phone '' when I could just as easilymake a payment in a couple of seconds online. I find this is an unfair practiceespecially since I met all the requirements under my Chapter XXXX Payment Planand paid this account every month. Based on the current Wells Fargo HomeEquity policy, I am forever penalized/banned from having online access to make asimple online payment because I filed Chapter XXXX. ( Even though I met all thefinancial payments on this account which, by the way, was not handled under theChapter XXXX Plan ). In addition, in my attempts to get online access, I was givenvarious responses on how to get access and I complied with each process that Iwas given. Here are my notes:XX/XX/XXXX Spoke with online services regarding getting online access. They sent me back to regular customer service. Was told that account should be viewable in 3 days. 
XXXX/XXXX/XXXX - Spoke with XXXX was told that I was unable to see account because itis still listed as being in Bankruptcy. Need to find out when this designation will beremoved. Spoke with XXXX ( XXXX ) in the Bankruptcy Dept. She submitted arequest to review the account for a status update so the Bankruptcy flag can beremoved. Requested that the loan be removed from Bankruptcy in order for online access. Requested that I check back by Monday of next week. She also notedthat they have the Discharge information ( Discharged XXXX XXXX, XXXX ) XXXX/XXXX/XXXX - Called, Request Denied ; not released. Per representative, request has to complete the audit and reconciliation process. Suggested I keep checking back. 
XXXX/XXXX/XXXX - Spoke with Customer Service Rep. With regard to online access, told tofax written request to XXXX - Faxed over request to be granted online access. XXXX/XXXX/XXXX - XXXX. 
Fax Result : OKXXXX/XXXX/XXXX - Called and spoke with Representative, she currently can not see the faxon their system - told that it takes 4 days to process the fax. Told to call back onXXXX/XXXX/XXXX. Informed rep that I find this process unacceptable and that I would becontacting the State of Maryland 's Attorney General 's Office because of thetreatment provided to a consumer in the State of Maryland.
Equifax must be shut down immediately. This disgusting excuse for a company is ruining the credit of good people. I was recently informed when I applied for a loan that I did not have any " real estate '' accounts on my credit with Equifax. I found this strange since I have a paid off mortgage with XXXX XXXX. I go on XXXX XXXX and pull my report and find that the mortgage is not classified as a real estate mortgage, rather just a regular loan. Of course, it's correct with XXXX. Equifax can't be bothered with correct information or the safety of consumer information. So I call in to Equifax and ask to speak with Consumer Affairs since I have had numerous problems with Equifax previously and this is who they told me to contact going forward. The person who took the call could barely speak or understand English and refused several times to transfer me. I told him that I would file a CFPB complaint stating that he refused to help me and he said that was fine. This is the type of company they are, absolutely no regard for the law. company. They hire people who can't perform even the most basic functions of their jobs, they ruin the credit of good people, and they get away with it.
went  to US Bank  they said it is a bad cashiers check and went to  XXXX  to let them know of the fraud.
Over the past several months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been requesting evidence that bears my signature that shows that I have a contractual obligation to pay SYNCB/Walmart. I have not received anything that I requested and it is still listed on my credit report from the XXXX Credit Reporting Agencies.
I paid off the Loan yesterday XXXX/XXXX/2016 and today I when I look at my bank account I find that they took the pay off payment twice. When I called them I was told that I set it up to pay if off twice. Which I did not do. I was told that it could take 10 to 14 days to get the overpayment back. When I asked about all the overdraft charges I was told that they would not refund them as I 'm the one that set the payment up twice. When I asked to speak with a manager I was put on hold and then hung up on. I have tried calling 3 time this morning and have gotten nothing but the run around.
I have my loans consolidated with XXXX XXXX. In XXXXXX/XX/XXXX, I was told that I had to re-certify to stay on the IBR plan. I sent in all of my information and uploaded my documents to the site as needed/requested. I contacted XXXX XXXX in XXXX because I still had not heard back from them regarding my new IBR plan/re-certification. That did n't make sense to me at all. I also continued to make all of my monthly payments and did not miss ANY payments. I was told that because I had applied for permanent/total XXXX, that my IBR paperwork had to be re-submitted. I was told by my doctor that even though I have XXXX  XXXX XXXX XXXX, that because I am still working that I did not qualify for total XXXX. I did not send that paperwork in. I STILL made all of my monthly payments while my account was in deferment. I did indeed re-submit my certification for the IBR plan in XXXX. In XXXX, my account shows DELINQUENT and PAST DUE. SEE BELOW. My IBR was approved for {$270.00} beginning in XXXX, yet XXXX XXXX is saying I am delinquent for the month of XX/XX/XXXX, yet I made a payment of {$220.00} which was my original payment and was made on XXXX XXXX for the XX/XX/XXXX payment. Now it is showing on my credit report as being 30 days delinquent. MY RE-CERTIFICATION PAPERWORK WAS SENT IN IN A TIMELY FASHION YET THEY ARE CHARGING ME {$1400.00} FOR THE MONTH OF XX/XX/XXXX. 

THEY ALSO WENT UP ON MY PAYMENT. I WAS PAYING {$220.00} AND NOW I HAVE TO PAY {$270.00}. WHY IS PAYMENT GOING UP? 

I AM MAKING PAYMENTS AND MY BALANCE IS NOT COMING DOWN. 

Last Payment : {$220.00} on XX/XX/XXXX Next Payment : {$270.00} Amount Past Due : {$1100.00} Current Payment Due : {$1400.00} on XX/XX/XXXX
Let me first say that I have been a BB & T customer for many years, Mortgage, checking, savings, etc. accounts. On Saturday, XX/XX/XXXX, my husband and I went to the bank to add my adult daughter 's name to our account. Prior to this date, she was not on any of our accounts. Today, XX/XX/XXXX, I check my account only to find a forced debit of {$270.00} which was due and owing on the account of XXXX ( my daughter ) and her partner ( XXXX ) for and account opened some years prior. Obviously, I 'm upset because we only added my daughter 's name because we felt like we needed to have someone else 's name in case of an emergency. Now had we known that this would cost us their bill, we would have reconsidered. Given that we only added her this month XX/XX/XXXX, we feel that it 's unfair to penalize us for their poor banking practices. How often does this happen to others?
I have a mortgage with   Wells Fargo. They bought my original VA loan without my knowledge or consent and had not given me any information of " rules '' or investor terms.
They will not eliminate my impound account even though I have 20 % or more of equity.
Enclosed is their response.
Thank You   XXXX
BEWARE CITIBANK! Three days before the loan closing I learned that Citibank had increased the interest rate on my refi loan without my knowledge or consent. The XXXX Loan Application, the Truth in Lending Disclosure Statement, Citibank 's letter locking in the rate, the Good Faith Estimate and many discussions and notes based on discussions with the loan officer specified 3.75 %. When the closing department phoned three days before it was to close, I learned that it had been increased to 3.875 %. My personal financial circumstances required me to go through with the loan. I am a single XXXX-year old homeowner woman. I doubt they expected me to know the cost of that very slight increase in interest rate would cost me over almost {$8000.00} over the 30 year loan period.
I received an offer letter to purchase a home refinance from Quicken Loans. Knowing that the standard practice is to specify any points required to buy down an interest rate with a specific credit score we allowed XXXX to inquire with the credit bureau. They respond stating that the pre qualified offer letter we received that says we can refinance at 3.5 % with a minimum credit score of XXXX was falsely advertised. A credit score of XXXX would require a purchase of XXXX points whifh the offer letter did not state. We met the LTV and debt to income requirements. 

In short, we were responding to an offer for a specific rate of interest on a refinance with the required minimum score and allowed a hit on our credit file based on the absence of any associated costs in the offer, we assumed standard closing costs etc. This offer leyter was a scam that costs our fragile credit rebuilding challenges a burden we did n't need.
Had contact the company to eliminate continue high fees ..proposed an offer to pay off credit balance that has never go down ... .the account has been closed for years ..the interest rate should have decreased due to no activity of usage. I had similar credit cards I used to borrow cash money for college expenses. I graduated back in 2011 and this credit card is the one that I am still paying today with a balance of XXXXI do n't have anymore credit cards they all were payoff like XXXX card..XXXX  ... XXXX XXXX XXXX..When I will stop paying this credit card the balance is still the same ... this is crazy!
I was searching for a Lender on XXXX and notice this conpany.. but I did not see an XXXX number. Are they licensed? I did not see a XXXX number on their website either. 

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