WillisBack/dataset-financial-user-claim huggingface dataset:
We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. 

At this point I am unable to review XXXX and Experian- not able to access their website. 

Thanks in advance for any assistance you can provide.
This is to inform you that TransUnion has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. <P/>* XXXX XX/XX/XXXX *XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX  XX/XX/XXXX
In XX/XX/XXXX bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, Florida and opted to add an additional product of life insurance that was provided by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX in the amount of {$1300.00} for the term of the loan. I have traded this vehicle in for a new XXXX XXXX XXXX and was owed a refund for the life insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found that I was only to receive a refund for the amount of {$490.00} dollars out of the {$1300.00} paid to them. 
My feeling that this is another way of ripping off consumers considering that only two and one half years had elapsed on the loan and was charge {$880.00} this is an outrageous amount and again its a money maker for the company at the expense of the consumer!
On XXXX XXXX, XXXX, I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX for the amount of {$420000.00}. The Note and Deed of Trust, naming XXXX XXXX XXXX XXXX, as the Lender, and XXXX as the grantee, or beneficiary, of record acting solely as nominee for same. Sometime thereafter, Nationstar Mortgage , LLC began to service my loan. After Nationstar became the servicer of my loan, the account was not being properly serviced because payments I had made were not being properly credited to my mortgage loan account and unauthorized fees were being charged to me. Accordingly, on numerous occasions I tried, but without any success, to get an explanation from Nationstar concerning the inaccurate debits and unauthorized fees charged to my loan account. To this end, on XXXX XXXX, XXXX, I forwarded to Nationstar, a Qualified Written Requests ( QWRs ), requesting that Nationstar provide, me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of their response to the letter. ) Again, I have reason to believe that my loan account had been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account and that I would further along in the reduction of mu debt had I received all credits for the money I had paid on my mortgage loan account. Nationstar did not respond to the QWR, took no responsive action and undertook no investigation into the issue raised by the QWR. As of this complaint, Nationstar has failed address my complaint that my loan account has not been improperly credited and that my loan account has been charged unauthorized fees. Neither has Nationstar provided me a verified accounting of my mortgage loan account.
lvnv funding llc is reporting on my credit reports that I owe a debt of {$130.00} opened on XXXX XXXX XXXX.i believe this debt is not mine and they should be taken off my report immediately.i have sent a verification of debt letter and have waited patiently for a response and still have not received anything.I have tried calling and got nowhere.original creditor on report says XXXX XXXX XXXX XXXX XXXX I have no idea what that is. I HAVE TRIED CALLING AND WRITING lvnv funding several times I have tried looking up address 's and there are several in several different statesthese are some addresses I have triedLVNV FUNDING LLCP.O BOX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LVNV Funding LLCP.O. Box XXXX XXXX, XXXX XXXX LVNV Funding, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX have also read on internet and several forums that lvnv llc is the same as ressurgence
lvnv funding has  a $  XXXX  open  collect on account  XXXX  on my   XXXX   credit report at  XXXX   XXXX  account.Open  XXXX  2015.This account was original own by  XXXX  who put it in discharge.I understood I had a right to put it in a  XXXX  with th e IRS.lvnv fu nding, did not take me to court did not get a lien on my property, just jumped on my credit, that 's not legal, my debt is paid  for.this compa ny is trying to still my account and make me pay for it again. open  XXXX /2015.when ever I ask for proof of account this company will not answer, because this company do not own this account.can I get some help from the federal trade commission
Navient and XXXX XXXX has ruined my life. I have lost everything due to the way they have ate up my credit report. I was in the Military, and XXXX. I have XXXX accounts on my Credit Report. They are selling my accounts re aging them, and leaving 90-120 day late fees. I have called and told them that I am on public assistance now because I ca n't get hired anywhere in a professional setting. My loans are consolidated, and they are still putting late fees on my credit report. I have went from a XXXX credit score to XXXX!!! All because of Navient. I ca n't find a job in my field because I of all the late fees on my report. I am currently paying XXXX a month just so I can get out of default. I could n't even get my taxes because of they have offset them. I am so depressed because I am trying to make payment on my account. They refuse to take off the late fees and remove the old accounts off my credit report. THE FEES ON MY REPORT ARE GOING TO BE THE CAUSE OF ME LOSING MY HOME. Please help me resolve this matter I need those late fees off my credit report and my account bought current, and please delete the old accounts that were transferred with derogatory information. Or just delete them all. I losing everything. I ca n't work in my career. How can I be able to pay you and I ca n't get a job due to your late fees. Please remove these accounts from my report
I enrolled in a loan forgiveness program with Ameritech Financial last year. I was told it was a 10 year program and income driven. They have been charging {$82.00} out of my account, each month. I thought this was going towards my student loans, but wasn't. I received a letter from the Federal Trade Commission telling me this company, Ameritech Financial, is a scam and are performing deceptive practices. They are currently under a lawsuit in court, by the Federal Trade Commision, and I am hoping to get my money back and anything else that can help me.
They left a voice mail. I called back and left voicemail. No one returned my call. Called back XXXX the manager was very rude. Would n't give me the name of the business would n't explain why he had left the initial voicemail. He then hung up. I called back spoke with XXXX who advised me what company he was with. He then connected me to XXXX. XXXX told me he would report me to the police if I called back. I told him I wouldnt call back if he would just explain what was going on. He hung up. I called back he again said I was harassing him and I told him if someone has stolen my identity I needed know. He then did the whole harassment speech and refuse to provide the information of contacting his manager. 

Creekside recovery
Since XX/XX/2016 I have been in foreberance and numerous times have filled out paperwork to get my payment lowered to $ XXXX/month. I am the sole income earner, my spouse is on XXXX. Im sorry, they keep telling me the lowest payment was going to be over {$300.00} a month. I make $ XXXX/hr and after all of my bills {$200.00} is pushing the max. I dont understand why they will not accept if I commit to {$150.00} a month and make it every month. I wish they would accept what I can pay each month. Why make things so difficult and stressful.
This account was paid in full before being sent to a debt collector. 
It is still showing up on my credit report as a derogatory account of {$9.00}, and has for the last 3 years. It should be removed from my credit report, since all agree that it is not owed.
I opened a bank account with Citibank and was promised XXXX XXXX XXXX miles after meeting criteria. I have e-mail confirmation that I met my criteria but they have still not credited me the miles. I have e-mailed them and spoken to them at least 5 times about this issue and have not received what I was promised or an actual response.
i filed a complaint 2 years ago. 
To : XXXXXXXXXXXX : RE : Y XXXX submission [ Case number : XXXX ] Date : Wed, XXXX XXXX 2013 XXXX XXXX, They ( wellsfargo and assurant ) dodged issues, by ignoring my requests and answering an answer that does not pretain to a quastion, also send in tons of irrelevant paperwork, just to drind CFPB down, it is part of their tactics. 
Now it became absolutely clear, what XXXX is doing is beyond writing a worthless check, whcih is withour a doubt criminal offense. I want you to reopen my case, review and compare forclosure procedure in XXXX court, XXXX civil law. Also i have reported him and XXXX XXXX ( XXXX CEO ) to the feds and FBI in XXXX result. 

Reason for refusal to pay is force placed insurance product. Also refusal to review odifications XXXX attempts already, currently the XXXX is in progress @ wells Fargo.
on XXXX XXXX received a pre-qualified offer for a loan ... I went to their online application completed the information and was quoted a 98 % apr. for the use of money ... .A competing company quoted me 13.5 % for the same type of loan. XXXX needs to be investigated on the loan rates they are quoting people and the legality of their rates. 

this is their official offer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Months {$6500.00} 98.50 % {$260.00} biweekly 36Select Other offers you may want to consider AmountEstimated APR*PaymentsLoan Months {$5000.00} 98.50 % {$200.00} biweekly 36Select {$7500.00} 98.50 % {$300.00} biweekly 36Select {$3500.00} 98.50 % {$140.00} biweekly
I noticed a collection account on my credit from Heritage Acceptance Corporation for a car loan. I immediately went to the credit reporting agencies website and disputed this claim. The credit reporting agencies never received validation and in turn removed this debt from my credit. about a month later on XX/XX/2016 I received correspondence from Heritage Acceptance Corporation. I will put word for word what the letter says. 
This letter is to inform you of certain actions that Heritage Acceptance Corporation has or will take in relation to your account. 
Dispite Heritage 's efforts to collect, this account has a current balance of approximately {$7300.00}. As a result of certain I.R.S regulations and Heritage polices, Heritage is required to file a form XXXX reporting a cancellation of debt. This letter is to inform you that Heritage is filing a XXXX related to the account. Generally, the IRS considers forgiven debt as additional income. You should consult with you tax professional to determine if this will impact your tax liability After receiving this letter I got a call from Heritage acceptance at my work trying to verify employment. I also got another letter from Heritage stating they are going to request that this account be updated back on my credit. 
My question is why am I being bothered after a letter was sent out stating my debt was cancelled? Also, what is Heritage intentions with verifying my employment on " cancelled debt ''? I do n't want to assume but I feel as if this is a bullying tactic and harassment.
These I assume were resolved once before, Yet they were transferred to YET another company that is threatening my credit history. These assumed debts are are over 15 years old, Our medical insurance refused to pay, resulted in my termination of employment from same insured job and almost my life. I am now XXXX for the SAME reasons ( Federal XXXX ). I have XXXX XXXX now, XXXX and other serial medical issues. Our ONLY income is from XXXX. Please make them go away.
I have tried numerous time disputing inquiries on my report from XXXX XXXX to the present with bureau. I did not apply for a job or was granted credit with these people and want them removed. I have even tried sending letters to creditors with no response from the bureau or the creditors. Transunion also reinserted previously deleted inquiries in XXXX XXXX
In XX/XX/XXXX, I contacted the CFPB about a problem I was having with my mortgage servicing company, FCI Financial Services , Inc., XXXX, Ca.My loan had been modified, but, the loan statement never was updated.In XX/XX/XXXX, the CFPB got a letter from FCI stating that the loan had been reworked and I was to continue paying new balance of {>= $1,000,000} to be paid in full by XX/XX/XXXX.In XXXX of XXXX, I was going to pay my monthly payment on FCI website.When I navigated to their website, I was astonished to find that the loan had never been changed.I have a copy of the letter from FCI stating the loan amount is $ XXXX.I tried to discuss with FCI, but, I never got anywhere with their collection department.I had a XXXX XXXX in XXXX of XXXX.I was ready to pay off loan, but, had to change directions.Now, I have the money topay off the {$18000.00}.
I wired {$3000.00} to a brokerage firm 's business account with HSBC. Three weeks passed with multiple inquiries from my bank, HSBC refused to release the funds to the brokerage firm or respond to any inquiries on behalf of my bank or myself or the brokerage firm. On the 4th week, I submitted a request to reverse the wire transaction and retrieve the funds. After 10 days and multiple inquiries from bank, HSBC still did n't respond to any attempts to resolve the issue. Finally, I contacted the FBI field office to inquire about submitting a criminal complaint against HSBC, the FBI asked me to attempt to use a civil action and attempt to contact HSBC in the hopes of the resolving the matter at the lowest possible level. After explaining my attempt to contact law enforcement and the possibility of submitting a criminal complaint, HSBC wire department finally acknowledged the wire transaction and explained the the funds were within the compliance department. HSBC refused to provide any explanation regarding the reason why the funds were being withheld. I asked HSBC to respond to the request by my bank to reverse the wire. I am currently waiting on HSBC to reverse the wire.
The perpetrator is credit reporting agency, Equifax. I 've been to their site three times and their credit help link regarding the their security breach does not work. I have never gotten information I requested from their automatic website link that I was given. I am extremely concerned about my personal information as I am one of those affected by the recent massive breach.
I paid this debt down to XXXX $ and then they suddenly say I owe XXXX $ + dollars. I do not appreciate it and then just today I get a certified letter that says They will do legal actions on me by the XXXX which is crazy for the debt I do not owe at all. I think they are trying to purposely due it because I owe nothing and did not until they started this. They purposely edited it and said I owed XXXX $ + They now expect me to call telemarketers numbers that I do not trust and talk about my personal information and they call like XXXX times a day. Which is very harassment fully. I did nothing to generate the amount at all. No one but them did it. I owed nothing at all on the card and such. They make you call things that are not even related to the debt and you talk to some company who does not state their name. Just some untrustworthy call center and the first notice they put they gave me a CELL PHONE number which means it is a fake debt because I know I owe nothing in 100 % honesty.
In XXXX 2016 I went to the Citi website to apply for Citi XXXX Honors Rewards card and clicked on an offer that would provide XXXX or XXXX XXXX Honors Rewards points if I had {$2000.00} in charges in the first 3 months. Once my application was approved, and I logged into my account, I noticed that Citi changed the benefit to XXXX points for {$1000.00} in 1 month. I called customer service on numerous occasions and told them there had been a bait and switch. After weeks of a runaround, someone ( XXXX ) from Citi Executive Officer XXXX called to help with my issue. After a day of " looking into it, '' he got back to me and told me that the marketing department said there was no possible way that that initial offer that I clicked on was available in XX/XX/XXXX when I applied. I told him that it indeed was and I had clicked on it, on the Citi website, to apply. He said there 's nothing more he can do. The conversation ended. There are numerous websites indicating the offer was available when I applied. Some of them are as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX I would like the points that I was promised upon my initial application.
I dispute the entire amount of student loans serviced by Navient because the debt was the direct result of fraud and misrepresentation committed by The XXXX XXXX of XXXX including, but not limited to ( a ) the urgency of enrollment and the need to enroll immediately, ( b ) false claims about historical success in finding jobs in my field of study, ( c ) false claims regarding earnings statistics of graduates, ( d ) false claims about employment assistance the school provides, ( e ) false claims about the quality of the educational programs, ( f ) false claims about the transferability of credits, ( g ) false claims about the cost of a degree, ( h ) false claims about the value of a degree from XXXX, and ( i ) predatory and high-pressure sales tactics. Navient has sent several delinquency notices to me regarding the payments on the debt. I advised Navient that the debt is a DISPUTED DEBT and further warned Navient that if they were to report any delinquency to credit reporting agencies, that the Fair Debt Collection Practices Act requires that Navient notify the credit agency that the debt is a DISPUTED DEBT. Navient reported the delinquency to all three major credit reporting agencies ( thus affecting my credit rating to my detriment ) WITHOUT the required notice that the debt is a DISPUTED DEBT. This is a violation of Federal Law.
This is outdated old debt older than 7 years old that should have already fallen off of my credit report and I have asked them to quit contacting me year after year, yet they continue to follow me even when I move and when I change my address and phone number. They send letters and call me. They updated the debt on my credit report so it renewed a couple of times and would not leave my credit report. It looks to me as though they changed the dates of my debt from the original default dates so it would stay on my credit report longer than 7 years! I know this because I never opened any cards in XXXX or XXXX or XXXX! I noticed that a few of my debts keep getting renewed over and over again to update them over and over again so they wo n't fall off of my credit report.
there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted. 

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?! 

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus TransUnion is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus XXXX and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.
I reported identity theft to XXXX, They sent my personal information to collector agency.They are keep sending mail.I paid that amount which was fraud in my account and They added interest which was paid by me from my bank account. They did not respond back to me while I was calling to them.
I have a credit card with Wells Fargo Bank.    A  pproximately one year ago I obtained this credit card, and it came with a 0 % promotional interest rate for 12 months.
For the past 11 months I have been making payments online through the Wells Fargo website.     My 0 % promotional interest rate expires on   XXXX   XXXX   XXXX     I w  ent to the Wells Fargo website to schedule a payment for my entire balance, {$9700.00}.
However, when I submitted the payment on the wells fargo website, I received the following message : " Requested transfer amount exceeds limit '' I contacted Wells Fargo, both their online banking department and their credit card department. Neither depart  ment was aware of any limit and/or why I received this message.   I had to then resort to contacting the credit card department and giving them my checking account routing number and account number to make the payment I did not receive a message of what the transfer limit was, or if there was any other way to accomplish this, merely that my requested transfer exceeded the limit.   T  he implication is that Wells Fargo is making it difficult and inconvenient for customers to pay large amounts on their account, resulting in possible interest charges to the consumer if they are not determined enough.
I also find it difficult to believe that neither the Online banking department or credit card department was unable to give me an explanation as to why I had received this message, and find it more difficult to believe that this issue was never raised previously by a customer to Wells Fargo, the implication being that Wells Fargo is well aware of this practice, the same way they were aware of the practice of opening up false accounts in customers nam  es
XXXX XXXX : XX/XX/XXXX - CALLED AND NO RESPONSE OR CALL BACK, SENT 609 LETTER XXXX XXXX : XX/XX/XXXX- CALLED AND NO RESPONSE OR CALL BACK, SENT 609 LETTER XXXX : XX/XX/XXXX : CALLED AND SENT 609 LETTER
I made several attempts to obtain my credit report thru XXXX XXXX XXXX but I was unable to get 2 of my reports XXXX and Transunion. My conformation number for XXXX is XXXX report date was X/XX/2017 XXXX XXXX XXXX address. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX