WillisBack/dataset-financial-user-claim huggingface dataset:
Creditor " XXXX XXXX  XXXX '' has my credit report listed with two accounts ; I've only opened one account. Second, XXXX XXXX  XXXX is filing derogatory information on my credit report, saying the account is delinquent, when in fact they are receiving consistent and timely payments through XXXX XXXX XXXX on a monthly basis for the past two years. Third, while XXXX XXXX  XXXX indicated they rejected the payment arrangement offer made to them through XXXX XXXX XXXX, they continue to accept the payments being made, thus contradicting the law regarding resolution of credit accounts. The fact that they are receiving payments and have not returned payments made - they can not accept my payments while reporting derogatory information on all three credit reports.
I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity Fraud Resolutions. Of the three, Transunion was the most responsive. Transunion began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID fraud. 
________________________________ I have been able to successfully lock XXXX and XXXX credit reports. I'm still unable to successfully use TransUnion XXXX through the XXXX XXXX XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my TransUnion credit report. This comes even after the initial 90-day fraud alert that was placed on my credit report XX/XX/XXXX. 

The XXXX and XXXX  customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact XXXX and XXXX customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to XXXX, they XXXX and TransUnion included : ( All of these reports are attached ) 1st XXXX Police Report 2nd XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.
Nationwide Recovery systems reported to my XXXX Report a debt for which I never received a statement or collection letter. I Paid my bill today XXXX. XXXX agreed that it should have never be sent to collections because Nationwide reported all mail returned. I paid and XXXX told me that Nationwide should take that collection out of XXXX and/or any other Credit reporting company within the next 48 hours.
Wells Fargo notified me that my escrow account was {$870.00} short. I call to ask why. I was informed that my homowner 's insurance and taxes went up. I contacted both agencies and neither amounts changed. I faxed statements from both XXXX and XXXX XXXX. XXXX XXXX. I am asking for a reevaluation of this deficit. I also have XXXX XXXX XXXX XXXX XXXX.
On  XXXX   XXXX .   XXXX    XXXX  received and signed for, my  1st  letter disputing inaccurate reporting of a state tax lien on my credit report. They sent me a letter saying my request was ineligible ( stall tactic  )   On   XXXX   XXXX ,   XXXX     XXXX   received m y 2nd  letter, again disputing innaccurate reporting of said tax lien. I have received no response in regard to the tax lien. As of this typing,  XXXX , the tax lien is still appearing on my  XXXX  credit report.     They have removed public records, but, the state tax lien was not removed.
They call my phone numerous times between XXXX and XXXX. I have told them to stop calling and sending letters and they refuse to do so!
Subject : Response to ClaimIDXXXX, FLC CASE # XXXX, FILE # XXXX, XXXX, Letter dated XX/XX/XXXX + XX/XX/XXXX +CFPB XXXX dated XX/XX/XXXX + # XXXX + Office of the Comptroller # XXXX dated XX/XX/XXXX+ XXXX dated XX/XX/XXXX, CFPB XXXX, Federal Reserve Letter Dated XX/XX/XXXX, FTC # XXXX and USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX. 

Dear U.S. Bank, You will be receiving my Official Demand Letter today along with documentation to once again support everything i 'm stating on why U.S. Bank is incorrect, and ask U.S. Bank to provide documentation and evidence to support every statement U.S. Bank has firmly established as grounds to not compensate and reimburse me for my Claim. In addition to me asking once again, U.S. Bank to provide documentation on U.S. Bank 's " Investigation, '' which U.S. Bank has already failed to comply with FCR Laws and Regulations implemented and enforced by the FTC and CFPB for Identity theft victims such as myself. Everything will be explained again in the Documents U.S. Bank will be receiving today from the USPS, with the tracking number listed above.
I have been set up with Navient ( formerly XXXX XXXX XXXX in the automated debt repayment program since 2013. Most recently when it transferred to Navient I had to re-enroll in the program and my payments began in XXXX with Navient. Just recently I learned that Navient has been reporting to XXXX stating that I have a delinquent account with them. On their website it shows that I am past due over {$380.00} when in reality I have made ever automated payment on time since Navient has taken over.
i opened account in TD Bank online, because they offer {$300.00} for this. after i meet all criteria they did not post money on it. i contacted them and bank assured me, that money will be posted within 60-90 days. after 90 days of using my money ( it was serious amount! ) bank did not give me my {$300.00}. i contacted them and they told me, that i am not eligible for it, because i already had an account with them/. 
on my request to prove it, they promised to send me a letter. letter never received, because account never been opened. 
i want you investigate business of this bank, return me my money and stop theyr business in XXXX, as fraudulent.
My Mortgage servicer ( SLS ) would not accept electronic payments from my bank scheduled on XXXX/XXXX/2016 for receipt on XXXX/XXXX/2016 or XXXX/XXXX/2016 ( the last 2 days of the grace period for my mortgage loan ). This was noted by both my XXXX XXXX and XXXX XXXX XXXX checking accounts - when the respective Bank 's bill pay centers stated " SLS would not allow payments until XXXX/XXXX/2016 or later ''. All my other electronic payments to XXXX XXXX, XXXX, etc. were accepted as scheduled by the vendors for the day after the payment was submitted ( as submitted before XXXX ) - or XXXX/XXXX/2016 for payments I submitted today ( XXXX/XXXX/2016 ). SLS will accept payments made through XXXX XXXX or their own website - XXXX for a fee - but are now restricting customers from using their bank bill pay services at or around mortgage payment cutoff. This is wrong - in that they should accept all forms of electronic payments on equal terms.
I owed a debt to XXXX. I paid the account in full and have a XXXX balance per the attached documentation. Experian refuses to show a XXXX balance, paid in full status, although I have provided the pay off letter numerous times which clearly shows, " Paid In Full, XXXX Balance ''.
Good morning-My husband, XXXX XXXX XXXX, passed on XX/XX/XXXX. I was trying to get all the creditors he had cards with in his name notified. I contacted XXXX, and I assume they thought the card was originally issued to him. However, he was only an authorized user. XXXX recognized the program and reinstated my card, # XXXX. For some reason, this collection company, LTD Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX, has contacted me XXXX claiming that I owe {$330.00}. I pay my XXXX credit card 's entire balance each month. My balance is XXXX as of XX/XX/XXXX. 
I work for the XXXX and can not afford to have collections on my credit report. I have contacted XXXX, the company, and now your office to stop these erroneous charges.
Both the trustee of my mortgage and the investor/holder of my mortgage have committed numerous mortgage related violations, some criminal and have both reached settlements with the Department of Justice for such. Even though both have consent agreements mandating homeowner relief with modifications, both have refused to allow a modification. 
XXXX is the trustee of my mortgage note for the Master servicer Morgan Stanley via XXXX XXXX. 
Both XXXX and Morgan Stanley have entered into agreements with the Department of Justice and various other federal and state regulatory bodies to settle and plea guilty to their criminal actions for various mortgage related crimes. 

In XX/XX/XXXX the Department of Justice announced that XXXX entered a guilty plea for XXXX 's criminal actions in manipulating the Libor rate. 
The Libor rate was used to establish the interest rate on my mortgage. This in and of itself should make my loan, " the fruit of illegal activity '' null and void. 

In XX/XX/XXXX the Department of Justice announced that Morgan Stanly was settling claims against them in the amount of XXXX dollars for mortgage related/issues and fraud. 

On XX/XX/XXXX The Department of justice announced that XXXX was entering into a civil agreement of XXXX dollars, of which XXXX is for relief to aid consumers harmed by its unlawful conduct ; specifically XXXX will provide loan modifications, including loan forgiveness and forbearance to distressed and underwater homeowners throughout the country. I am one of the consumers mentioned above! 

Morgan Stanley and XXXX through their sub servicer XXXX have refused to allow me to modify my mortgage even though the mortgage is predicated on XXXX 's and Morgan Stanley 's criminal and illegal behavior that both have pled guilty to paying XXXX of dollars in fines and both have been mandated and agreed to offer consumer relief through loan modification. 

On XX/XX/XXXX, just three days after XXXX entered into the agreement with the DOJ, XXXX filed for foreclosure on my mortgage even though I have been trying to modify my mortgage for many years and have been repeatedly told that " the investor does not allow modification for my loan ''. Considering their guilty plea for their criminal actions, can they even continue to manage this trust? 
I want XXXX and Morgan Stanley to abide by the respective agreements that they entered into with the DOJ and various other federal and state regulatory bodies and fulfill their obligation to offer consumer relief. 
Please modify my illegal loan.
I receive monthly stipend for being a XXXX via a debit card managed by eppicard, the card is issued by Coamerica Bank. I went to withdraw a payment that was just put onto the card and was told there would be a {$2.00} fee. I was told there is only one free withdrawal a month - even though multiple payments may be put onto the card each month, in place of the state sending out a check. When I questioned this, I was told the state of NJ was taking the fee - - made no sense.
I bank with Wells Fargo. This bank sends returns checks thru your checking account a second time without the company the check is written to. I paid XXXX to the Electric company XXXX XXXX XXXX  I contacted XXXX XXXX XXXX once I realized the check did not clear my checking account.

XXXX XXXX XXXX told me to go and pay the bill using cash because they do not send checks back thru. I did this within a day the check was being processed again thank XXXX  I was able to stop before it processed. Wells Fargo has done this to me numerous times causing me more ridiculous bank fees. I live on a fixed budget. When this bank does this it causes other items not to clear. I called them and asked for their policy on this topic to be mailed to me or the Corporation address so I could write them. I asked them also for the policy on Wells Fargo deciding to run a check back thru my account when the company I wrote check to states they do not run a check thru a 2nd time. Wells Fargo practices needs to be looked into. I check my account on XXXX2018 at XXXX again at XXXX and each time my account balance was different. I had a car payment return the finance company said they do not run the check again unless I call them. Well sure enough Wells Fargo sent the check thru again and again more fees. I cant get ahead. My mortgage is behind. I just loss my XXXX  JOB and all the bank fees are really putting a strain on my finances. Please look into this. Consumers should be told that even if the company the returned check is on does not re run the check Wells Fargo does?? I have been asking them over and over how they die credits and debits. No clear answer once had a line of credit never used it and they just closed it.
This is a summary of what happened after I submit my complain with case XXXX a lady ( name and phone # is known to me ) from Bank of America called last Thursday XXXX and she told me that they send my check, the subject of the complain, on XXXX XXXX And I should get it by next week, I went to the Post office and requested a hold to my mail in the post office just to avoid the excuse of not delivered. chickening the mail in the post office turn down to no mail from Bank of America received. I called her and informed her about the situation. Today Saturday XXXX I got a voice mail message, when I called and talked to a supervisor by name XXXX she informed me that check had been void and new check issued in XXXX XXXX and it will be with me within 7 or 10 day after she checked the address. this thing has been going on for 48 day up to day and they keep repeating the same thing for the third time expecting different result. 
Sir, Madam, this matter took long than it should and add a lot of hardship over the ones already there .Please looking for help and I do not see any coming, Your advice is highly appreciated
I have been fighting this for quite some time against QUALITY ACCEPTANCE and XXXX XXXX. The issues are huge and plentiful. And at no point has other company done anything to fix issues. I got a letter from NEVADA GOVERNOR OFFICE who found my issues and complaints to be accurate. The Governor office sent the issues to CONSUMER AFFAIRS in NEVADA to assist in my issues. I spoke to CONSUMER AFFAIRS who indeed found my complaints and issues to be more than valid, they have recently submitted my complaints and issues about XXXX XXXX and QUALITY ACCEPTANCE to DMV INVESTIGATORS and DEPARTMENT OF BUSINESS AND INDUSTRY on behalf of the GOVERNOR OFFICE and CONSUMER AFFAIRS. Not only are the issues huge, but XXXX XXXX at QUALITY ACCEPTANCE called an officer of the law and said I was calling and texting her threatening things. I did email QUALITY ACCEPTANCE never here specifically, but in my letters I did express extreme anger and hoping XXXX found guilty and sent to prison due to fact she has NEVER returned a call and her letters to me are XXXX, cross and never ever does she discuss the issues. And I did use the XXXX word. But, I did not call a cop and make illegal statement like she did and I do not try to cover up a crime. XXXX XXXX And QUALITY ACCEPTANCE committed these issues TO NAME JUST A FEW : Lied to make a sale saying they would change high interest rate a year later just to make a sale, used unethical business practice to make a sale, charged a high interest knowing we were victims of a huge robbery and identity theft when the prior car we obtained from them was only % 4 verses the now % 19.95, on paperwork put the {$2000.00} deposit, and bunch of other items in the final payment, where we were to pay {$12000.00} for the junkie fifth rate car they dubbed sold us, the put the overly high and gross interest rate on over {$15000.00}, with the down payment and everything else the car ended up costing over {$19000.00} for a car that only cost a little over {$14000.00}, called repeatedly after called manager to warn them they were breaking FTC commission laws ( BUT CALLED REPEATEDLY AND WAS AGGRESSIVE FOR NO REASON, after a year of making payments found out XXXX XXXX illegally lied about saying they could lower interest rate so turned car in upon turning the car in QUALITY ACCEPTANCE NEVER CONTACTED US TO LET US KNOW WHETHER OR NOT WE WANTED TO BUY THE CAR OUT RIGHT OR TO LET US KNOW IT WAS GOING TO AUCTION, on top of that QUALITY ACCEPTANCE FLATLY REFUSES TO SEND A SALES SHEET OF HOW MUCH THE CAR ACTUALLY MADE AT THEIR ILLEGAL AUCTION, ON TOP OF THAT ON TOP OF THAT ON TOP OF, QUALITY ACCEPTANCE IMMEDIATELY SENT OUT THREATENING LETTER ABOUT SUING WHICH THE LAW HAS VERY SPECIFIC LAWS ABOUT THREATENING CONSUMERS WITH SUING ( A COMPANY MUST SUE IF THEY ARE GON NA SUE NOT SENDING THREATENING LETTER AFTER LETTER ESPECIALLY WHEN QUALITY ACCEPTANCE FELT THEY COULD BULLY AND HARASS US SO WE COULD LINE THEIR POCKETS WITH EXTRA EXTRA MONEY )
This morning I received an alert from XXXX that there was a negative entry to my credit. When I checked, there is a collection of {$380.00} from Financial Assistance in XXXX WA. We have NEVER received anything from XXXX telling us what this debt is for. In XXXX 2016 We moved out of an apartment called XXXX XXXX in XXXX, WA. The moveout fee they charged us was {$560.00}, and after negotiation they agreed that we owed only {$190.00}, which we paid to XXXX in XXXX. But never have I been contacted from Financial Assistance regarding owing {$380.00} and I have no idea what this is for. The company 's address is XXXX XXXX XXXX XXXX XXXX, WA XXXX and their number is XXXX. Please help me with this. I have no idea what this money is for and I ca n't have this negative entry going against my credit. The only way I even knew this exists is from the XXXX alert that there was a negative entry on my credit report and this is incorrect. Thank you very much.
Every month since Nationstar was assigned our mortgage we have been harrassed by phone calls stating that we are 2 months in-arrears. When we assigned I made a call to nationstar stating that my husband is on XXXX and gets paid the XX/XX/XXXX, They told me that it was n't a problem because we have 10 day from the due date to pay. We are on automatic payment so it is sent the XXXX of every month, which is in the 10 day window. Since this has been going on for XXXX years and we repeatedly explain this to them monthly. We receive XXXX to XXXX calls a day from the XXXX of the month to the XXXX. We have proven to them that we are not in arrears with copies of our payments. Now we have not been late in the 20 years of paying our mortgage, and only having 18 months left. We like to know our rights and how to stop the madness.
Hello, I'm providing a statement letter attached for my dispute against the merchant " XXXX - XXXX XXXX XXXX CA '' for {$990.00} on XX/XX/2018 on the card ending in XXXX. 

The merchant has not provided what was paid for. They have actually provided NOTHING in exchange for this transaction. I ask that you please carefully review this and credit back the funds or ask the merchant to provide what was paid for. 

Thanks, XXXX XXXX
I have sent repeated documents and police reports to this company showing that I do not owe this debt because my identity was stolen and they still are reporting this debt to my XXXX credit report. I want it removed immediately. This is identity theft and they can not even validate the debt.
Original debt XX/XX/XXXX renewed on XX/XX/XXXX received a superior court notice on XX/XX/XXXX stating the amount of {$4500.00} Received a letter that states I now owe them {$8300.00}
XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, XXXX and Trans Union asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!
On XXXX XXXX, XXXX I got approved for a car loan with XXXX loan agency. The dealership " XXXX XXXX XXXX '' in XXXX, XXXX made it seem like this was the best decision that I would ever make in my life. I had just gotten to my duty station which is XXXX XXXX, and I was very desperate to get a car not knowing about interest rates. It was my first time making a big purchase like that but it was my only way to support my family at the time. XXXX agency needs to be shut down I have a 19 % APR which was never discussed with the dealership it 's so sad that they do this to young adults. I just turned XXXX and came straight out of training trying to build some credit. I just realized after struggling to make payments every month and on time at that, I literally only paid off XXXX due to the interest rate, in reality since XXXX XXXX, XXXX I paid off more than XXXX. I just need some satisfaction on how can I get a lower interest rate, will snacc XXXX agency finally get shut down? This is n't right to the young adults that ca n't talk about anything with their families and have to do everything on their own. I need some justification. What should I do next?
It has been 3 months since I accessed my credit at XXXX and discovered that Equifax has placed XXXX accounts on my credit that are not mine. I have contacted them 6 times to date and I have been ignored and the XXXX accounts still remain. 
Please assist me in reaching out to them and have the errors deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In XX/XX/2018 I sent a dispute to TransUnion regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to TransUnion, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, Experian still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.
I toke out a loan in XX/XX/2016 with Ace Cash Express in XXXX, TX. Apparently they sold the bad debt to XXXX XXXX XXXX XXXX. Global has contacted me ( XXXX XXXX ), my uncles ( XXXX & XXXX XXXX ),  my aunt ( XXXX XXXX ), and grandmother ( XXXX XXXX XXXX ) via phone stating that there is a order of location against me in XXXX, TX and threatened to come to there home to arrest me. They also stated that I am not willing to cooperate which I have spoken to multiple persons within there office and provided my personal phone number and mailing address. I was told that I owe {$1600.00} by XXXX XXXX w/ XXXX ext XXXX and then {$1700.00} amount from XXXX with XXXX. I looked on Ace Cash express website and the amount owed is {$1400.00}. I asked for something via mail and they both stated that they can not send anything via mail. I asked for options to pay they stated that I had to provide a traceable bond via credit card. I asked for their mailing address and they stated that they are not willing to provide this info. XXXX XXXX with XXXXXX/XX/XXXX has been rude, threatening, and has harassed my family regarding a personal matter.