WillisBack/dataset-financial-user-claim huggingface dataset:
Someone stole my identity and opened a XXXX account in the XXXX XXXX XX/XX/XXXX for about {$3800.00}. I 've lived in XXXX since XX/XX/XXXX. I 've had XXXX since XX/XX/XXXX. The same phone number for 10 years. Also I 've never lived in XXXX. XX/XX/XXXX I filed a police report where I live in XXXX stating this account and possibly others is identity theft. A few years back the state of XXXX tax dept was hacked exposing XXXX residents personal info such as social security numbers. I ca n't verify that is the reason of my identify fraud but I assume that 's the only logical explanation. I have the XXXX police report, my XXXX id and the utility bill for my place in XXXX to dispute these charges.
Calvary Portfolio, LLC does not have a surety bond and according to the Texas Code 392.101, third party debt collectors are not allowed to collect on Texas residents unless they have obtained a surety bond. This account should be removed from all XXXX credit bureau reports.
On my free credit report from Equifax , an incorrect address, one where I have never lived is shown. To dispute items on the report, it says go to " XXXX '' Over four days, my computer ( s ) can not connect to this site. I suspect it has been engineered to make it impossible for people to correct errors.
My mortgage was serviced by XXXX XXXX XXXX XXXX  when foreclosure was initiated on XX/XX/XXXX. XXXX XXXX  XXXX, XXXX was assigned the mortgage in XX/XX/XXXX. The mortgage was later foreclosed, following a foreclosure sale of the property, on XX/XX/XXXX, according to court records. The fair market value at the time of the sale was approximately XXXX and the property sold for XXXX. The property was sold to XXXX XXXX XXXX ( the previous beneficiary ) as trustee of XXXX XXXX XXXX XXXX on that date. 

XXXX reported the foreclosure on my credit report and noted that the account had been transferred/redeemed/foreclosed on XX/XX/XXXX. This is where I believed the foreclosure saga had ended, factually and legally. In contrast, records sent to me from XXXX in late XXXX indicate that XXXX maintained an account in my name on behalf of XXXX XXXX XXXX and charged in excess of {$50000.00} for various home improvement, cash keys bonus, trash pickup, and other charges between XX/XX/XXXX and XX/XX/XXXX. 

Apparently, XXXX bought all of XXXX 's debt or loans sometime in XX/XX/XXXX. XXXX sent a welcome letter to me demanding payment for {$62000.00} on XX/XX/XXXX. The welcome letter also stated that the loan was being serviced on behalf of XXXX XXXX XXXX. I did not timely receive the letter owing to my own fluctuating living circumstances. 

In XX/XX/XXXX, I received two XXXX for the property ( XXXX XXXX XXXX ) : a XXXX from XXXX discharging {$200000.00} and a XXXX from XXXX canceling debt in the amount of {$94000.00}. ( See Attachment A. ) When I first reached out to XXXX  inquiring about the XXXX and why they were reporting discharged debt, I received a letter stating that the XX/XX/XXXX letter demanding payment was sent to me in error and no amount was owed to XXXX. ( See Attachment B. ) I followed up with the customer relations official named and certified on the letter, but she offered me no help or guidance on the XXXX itself. 

A year has passed and I am still attempting to get a corrected XXXX from XXXX. I called customer relations on XX/XX/XXXX asking for a corrected XXXX. I sent the letter to another official in customer relations, as she demanded proof for the fact that XXXX had previously informed me that no amounts were due to the company. In response to my XX/XX/XXXX dispute and request, XXXX ( D/B/A XXXX XXXX ) sent a letter indicating that it would not issue a corrected XXXX and that records indicate that a remaining balance due on a loan in the amount of {$210000.00} was cancelled on XX/XX/XXXX. That remaining balance is allegedly {$94000.00}, which is reflected on the XXXX. 

As a result of two mortgage lenders claiming that they discharged debt on one mortgage for one property ( a property that sold to a third-party for {$240000.00} on XX/XX/XXXX XXXX, I am facing a tax liability of nearly {$25000.00}. I am going to pursue insolvency for tax purposes, but I am in no way accepting liability for XXXX 's alleged debt discharge. And, I am submitting this complaint today to shed light on these practices.
Presently, while the account is showing a {$0.00} balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer ( XXXX XXXX ) transferred this loan to XXXX XXXX XXXX. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the XXXX XXXX XXXX  applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!
2 weeks ago I submitted a dispute through Equifax about XXXX XXXX XXXX XXXX. This company is reporting the same account, 3 seperate times on my credit reports! The 3 accounts reflect conflicting open dates, closed dates and amounts! As well as " last date of payment '' showing in XX/XX/XXXX. I've never owned a car ever for 5 years or have had the financial means to keep one that long. The car was voluntarily repossessed in XX/XX/XXXX, 2 months after getting the car the engine blew a Head! From XX/XX/XXXX to XX/XX/XXXX I drove a truck OTR and used relatives cars! In XX/XX/XXXX I got a car through XXXX XXXX, so it's easily understood I wouldn't be making 2 car payments! This creditor ( XXXX XXXX XXXX XXXX  ) has charged off the account years ago, and as my reports clearly show the convincing discrepancies, inconsistent reporting eras, and all factors that violate my rights, plus the length of reporting ... I can't see why Equifax keeps denying removal of these accounts!
Despite my informing my XXXX mortgage holder with regards to my reduced income and the inability to pay on or prior to XXXX of the month, I am receiving repeat phones calls daily from Springleaf Financing. I always pay on or before the XXXX of each month. My payment is due on XXXX and by XXXX without a late fee! 
It is now XXXX XXXX Eastern Standard Time on Saturday, XXXX XXXX and already received 4 calls from them. I no longer answer them and they are calling on my cell phone as well! I have asked they never use that number, but they chose to ignore. The interest rate is also very high! 
Please help in getting this matter resolved!! 
Thanks in advance, for any assistance that you may be able to provide. 
Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
American Express have me listed as dead an will not take it off unless I pay the tol. bill in full they call me an said that as long as the bill is not paid they will not remove it I have talk to the XXXX credit reporting co. an they told me to contact you I`m not able to keep my job if this is not fix an can even buy a car an being told by my credit card co. that this is on my file an if I`m not the person that I`m breaking the law by using some one eles identity I am not dead American express is doing this because I cant pay what they want. 
Thank You
In 2012, I moved from an apartment where I had FIOS Triple Play service to a home I purchased. I asked the XXXX representative before I moved would I be able to continue the triple play option at the new address and the representative said, Yes. However, when the technical attempted to install the service, cable services were not available. The internet and telephone services were available. Since I was interested in the triple play option, I called XXXX and notified them that I was cancelling the service. The representative instructed me on how to return the equipment and I received the mailing label to return the equipment and I returned the equipment as per the representative 's advice. In the meantime, I went with a competitor and was able to receive cable services and I thought nothing of the XXXX account until I was contacted and I was informed that I owed {$390.00}. in telephone services. I let the caller know that I did not have the service and I returned XXXX 's equipment and I canceled the service. Speaking with the collection agent was like " talking to a brick wall ''. They assumed that I was lying and I let them know that I was not paying for a service I did not have. In the interim, this charge is on my credit report and therefore damaging my credit score. 

The address I moved from ( XXXX 2012 ) - XXXX XXXX XXXX XXXX, XXXX DE The new address I moved to ( XXXX 2012 ) XXXX XXXX XXXX, XXXX, DE If an investigation is conducted, it is fairly easy to find out whether or not the services were available during this period.
Experian Credit Bureau is incorrectly publishing on their website that my XXXX mortgage payment for XX/XX/XXXX was 30 days late. 
Experian Credit Bureau is incorrectly publishing on their website that my XXXX mortgage payment for XX/XX/XXXX is missing and not applicable.
I have spoken with XXXX about my credit report, so many times now they ask me for my social and date of birth And I don't get a chance to talk with anyone about my credit report. just the machine. Early in XXXX They told me they would seen a new credit report, they have not done so, it seems to me after I have put in a complaint it's gotten worst. once I give my information, the machine won't even connect me it tell me to go online and dispute my information. I have the report number from the old report. So I'm not even sure they have taken anything off. I'm am a victim of fraud I have sent police reports affidavit and now my attorney is sending signed documents I have worked with the Fraud prevention services and Identity Theft through XXXX they told me that all three credit bureau would be made aware. They have not removed anything far as I know. I can't see it because I have not received a up to date report. all I can use is the old report. and now I can't even get a human on the phone. If you can help me with XXXX I really would appreciate it this issue has been going on way to long. And I don't have a credit card Witch was mention in the last report For that reason I have not paid to receive my credit score. I would like to see how much they have worked on my credit. Thank you for whatever you can do.
XXXX processed my payment incorrrectly and gave me miss leading information. Did not have the answers to my question. When i asked when my next due day was i was given wrong information. Which lead me to over pay and stay in default longer than necessary. 

XXXX XXXX XXXX
My account with XXXX XXXX Cable was paid prior to being closed. XXXX XXXX Cable disagreed and sold the account to a collection agency. The account according to XXXX was removed XXXX and continues to be put on my credit report and is severely effecting my credit with all XXXX credit agencies. Also XXXX has stopped collecting on all my credit card debts and has discharged the debt in which XXXX forms were filed and paid for. This was an agreement with XXXX il because they were no longer collecting on the debts. However, they continue to report amount owed on my credit report instead of reporting it as zero like other accounts on my credit report by XXXX.
In XXXX, I took out a student loan to attend XXXX  school at the XXXX XXXX XXXX XXXXa at XXXX XXXX. I borrowed approximately {$22000.00}. I began paying back on the loan in XXXX. Since that time the loan has been bought and sold numerous times. I can not tell you what specific lending institutions had the loan during the past 19 years. Currently, my balance is over {$17000.00} after paying on it for nearly 20 years. I dont know how that could possibly be. I have tried on multiple occasions to contact lenders for loan and payments histories to no avail. No one has been able to provide this information. Specifically, I have not been able to find the original amount borrowed versus what I have paid to date. I have had no success tracking this down. The current loan holder is Navient. They have not been able to provide any relevant information either. I am reaching out to you to help me resolve this matter. I have had zero luck myself. I feel I am throwing money down the drain.
XXXX XXXX XXXX/XXXX XXXX XXXX is appearing on my credit report wrongfully duplicated under two different account numbers.acct no XXXX and acct no XXXX are medical collection accts.Additionally, I had government insurance at the time of service.Thirdly, at the time of service, I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These collection accounts are wrongfully appearing on my experian and XXXX credit reports.
On XX/XX/18, Paypal informed me that my account was " limited '', meaning deactivated. They would not give me a specific reason but they did inform me they will be holding my funds for 6 months. I have over {$850.00} available for withdrawal and another {$800.00} on hold in that account. Even though my funds are " available '', they blocked me from transferring or accessing any of it. This is a lot of money, hard-earned money, and I desperately need it. I can even provide assurance that there will not be a dispute on the majority of the money because that customer has returned and placed a second order. She is willing to confirm that as well. How can they legally do this? Who allows someone to return an item or file a dispute six months after purchase? That is utter nonsense. It's bad enough that I can no longer use that platform because most of my business transactions were processed through Paypal. I am very limited at this point and my sales are down because I can not sell on XXXX without Paypal access. All of my XXXX customers use Paypal only. Third-Party selling sites, like XXXX, charge enormous fees to sell on their sites. My income has been more than cut in half and I can not even access what little I do have. I am in dire need of help!
I called Equifax customer service XXXX XXXX XXXX on XXXX/XXXX/XXXX to cancel my product. I was instructed how to do so online by a customer service rep, but the option to cancel was not available to me as I needed to update my debit card information since it had expired. I updated my information, the option to cancel became available, and I immediately cancelled the product. 

I checked my bank account and I saw that my account had been debited for the monthly subscription amount of {$8.00}. At no point did I authorize my account to be debited. I merely updated my payment information so that the option to cancel would be made available. There was no indication, either by the rep or on the website, that by updating my payment information my account would be debited. I have no interest or intention of using the Equifax product, and requiring payment information to be updated before being able to cancel a subscription is extremely abusive and misleading. 

I reached out to customer service immediately via e-mail and was provided the following generic response : " Refunds will not be issued for monthly subscriptions. If this is an annual subscription, you will receive a refund based on the original purchase price and the number of unused months still available for your product. There are no partial month refunds. '' My main issue is that my account was drafted without my authorization. I only updated my account information so I could CANCEL my subscription.
A few months back I discovered that my social security number had been compromised and used to create what police told me was a " shadow account '' which is when bits and pieces of different peoples info are aggregated to create  XXXX  new false identity. I went through the process of fixing this by working with the police and the  XXXX  major credit bureaus.     Recently I was trying to secure financing for a purchase. I am currently sporting a  XXXX  credit score, and have just under {$50000.00} in lines of credit ; I 'm in pretty good standing. However, upon credit check I was denied as Equifax told the financier that I ( for all intents and purposes ) did not exist. Upon reaching out to Equifax they determined that this was indeed the case and told me to reach out to my banks. After speaking with  XXXX   XXXX  and  XXXX  they both told me that not only were they reporting all of my information correctly to    Equifax, but that they were also able to see my credit report from Equifax o n their end.     I thought to myself " well great, everything must be fixed '', but decided to do my due diligence anyways and called Equifax. Once again ... I was not in their system and they instructed me to send in a fax with a copy of my social security card, and driver 's licence.     Simple enough!     I did so and allowed for  48 hours to process as they had told me. I called back in two  business days later and was told that the fax did not have my contact info on the cover letter so they could n't accept it. Sweet.     I go ahead and get all my information together again and send it over via fax and this time was told that the images were not legible ... Mind you, the images took up a full half page of printer paper each so I found this odd since the cards were probably about  10x t heir actual size. No matter! I 'll blow the images up even bigger ( also mind you I could read every single number on the license and social card on my iphone  XXXX  which has a  XXXX  inch screen without my glasses on ).     So I blow the images up even larger AND attach a  XXXX  page   XXXX   credit report AS I WAS ASKED TO and call i n three days later to be told 1- we still ca n't read the social or licence 2- we did not receive the   XXXX   credit report 3- you 're going to have to just send it through mail and w a it 30  - 60 days for processing I 'm a younger guy so maybe I 'm just not familiar enough with fax machines ... but what kind of ink are you guys using that is SO hard to read?     Additionally, why is it that   XXXX   and  XXXX  have no issue whatsoever verifying my identity but you guys are incompetent in this matter? Without a doubt  XXXX  of the most absurd processes I 've ever been through and I genuinely left out half of the other ridiculous nonsense ( like the fact that the call center rep has to put me on hold for 15-20 minutes while finding the physical print out from the fax machine ) in the interest of time.
I've been gainfully unemployed for 4 months now ... I've been keeping my bill current with side work/gigs here & there but have run into issues. However, it's been a HUGE issue to call and speak to customer service given they're overseas and are not quite understanding of American economy and living ... Along with the language barrier. I am asking for 2 things : ( a ) Forbearance for 60 days to protect my credit rating.. ( b ) I've asked several times for a credit increase to {$1500.00} which would allow me to pay the minimum and stretch out this employment wait ... The current balance does not allow me any wiggle room to kick cans around, pay financing charges until circumstance change.. Essentially there is no room for a pseudo personal loan during hard times.. What if I was in the Carolinas right now and needed extra $ $ IMMEDIATELY??
Took my XXXX old Mother, who lives in a XXXX to Apple Bank, ( with great difficulty ) on XXXX. in XXXX to put my name on her account since I have a POA, and she is no long capable of transacting business. The VP of the Branch refused to put me on her account, lied to us and claimed some technicality ( which turned out to be false ) as to why she could not put me on the account. Now I can not transact her business, since I live in another state and will not be able to return to remedy this for a few months. 
Then I went to another of her banks ( her account of which I am also on ) and she signed a check to transfer money from her account at Apple. I find out when I return home that Apple refused the check and that I now have a fee, as a result. 
It is difficult to pay her XXXX, due to my inability to access her account. Apple Bank also refused my POA and the same VP said her account statements were going to an address in another state that she had not lived at ( for the past 15-20 years )! These people are not only corrupt, but incompetent as well. I am consulting my attorney and am planning to file a formal complaint with the Banking Commission.
I called customer service to obtain information about foreign exchange fees and was advised that they did n't apply to my account prior to traveling to XXXX. When foreign exchange fees appeared on my statement I called customer service again and I was advised that my card holder agreement indicated that foreign exchange fees applied to my account. When I complained about being provided misinformation on my previous call I was told that American Express provides appropriate training to their representatives, however, the cardholder agreement superceeded information that customer service representatives provided. When I initially called I was not offered a copy of my cardholder agreement and I was not advised that the cardholder agreement superceeded information that representatives provide. I was also advised that American Express did not have a customer complaint department and did not have a process to handle customer complaints.
There are two accounts listed which do not belong to me which are XXXX # XXXX and XXXX XXXX I 'm requesting these be removed ASAP
I just got off the phone with the  XXXX   XXXX   XXXX   XXXX  who has verified that the  XXXX   XXXX  that Equifax is showing on my credit report is paid, closed and since it was opened in   XXXX  , is over  15 years old. E quifax is reporting old negative activity on my report and I want it removed IMMEDIATELY. This reporting has cost me a job opportunity. If it 's not removed immediately I will resort to hiring an attorney.
I had my personal information compromised over a year ago. I have account and address that are not mine showing on my credit report. Please delete the following adresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My XXXX XXXX XXXX The following phone numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following account is not mine as well XXXX XXXX XXXX XXXX # XXXX I never had a XXXX XXXX XXXX  account. please delete ASAP
I had lost my Discover it card back in XX/XX/XXXX and had called Discover to replace it. I could not login into my account to check my payment status. I had called Discover customer service to resolve the issue, and they assured me I had automatic payment setup in XX/XX/XXXX, and also sent me out a new card. Later, when regaining access to my account I saw I had missed XX/XX/XXXX payment and immediately made it. I had called Discover and asked how come my payment was not taken out, and they said it reset itself after a new card was sent out. I was concerned about a 30 day late showing up on my credit reports, but they assured me I had the late payment forgiveness, and to check my credit reports and if it did show up to call them immediately and they would resolve it.

The 30 day late did show up all 3 credit bureau reports, and I had called Discover back to find out if they would honor their late payment forgiveness. They said the late payment forgiveness is only for late fees, and not for what they report to the credit bureaus. I felt this was misleading as nowhere when they advertised this product in XX/XX/XXXX when I had signed up about this being the case with the late payment forgiveness. I have an excellent record of zero late payments on my credit reports, and assured Discover this does not reflect my record of making on-time payments. I had requested a good will adjustment due to Discover advertising the late payment forgiveness, and in respect to the fact I have always had on-time payments hoping they would honor the request. Discover will not work with me in addressing the 30 day late on my 3 credit bureau reports, and that mistakes on their part regarding their representatives assuring me my auto payment was setup, and how they would resolve my issues with the reporting of the 30 day late to the credit bureaus were not their fault and is my responsibility.