WillisBack/dataset-financial-user-claim huggingface dataset:
I been victim of identity theft then inquiry without my knowledge from XXXX XXXX exquifax too XXXX is only one helping then there discrepancies then I can access to the other credit Beau then I can find housing to live to many other things I filled with XXXX  Montana police department then the department of Justice in Montana issue me a letter that states that I been victim of identity theft then still fraudulent activity on all three reporting beau 's then locked my with codes without my knowledge and I never gave permission to miss use my SSN number then I been still sold for XXXX to many other ways too then my whole life I fought for my identity then robbed from jobs to housing and more importantly too this too affected my ability to open banks then plus affected my way to ask for help with my XXXX then XXXX fraudulent activity against me then open housing loans to car loans to college grants and irs thinks I am someone that I am not then I commit pugery to the SSN number being sold too and similar of SSN numbers created and false accusations against me then abused by the system against me since childhood and infency to adult hood then all this negative behavior against me then I been trying to report to all creditors then I been false accusations then thown into XXXX and XXXX disorder then now I am not sure what else to do anymore then all my credit report XXXX beaten me up bullied and spying cyber XXXX me then out me because I am XXXX and more then since the truth is out there three church group too selling my personal information then all know my personal information and such this is going to much out of control then extortion against me then near XXXX  off by police and sheriff and feds then plus treated as a XXXX XXXX to abuse the XXXX and XXXX and my family too doing this to me since XX/XX/1977 too and growing up so XXXX  since childhood and infency then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and no one will help me to get me out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since childhood and infency then plus too I can not afford to live anywhere else then phone to more missed used my SSN number and made it XXXX worse to me then such then think I am a XXXX or fake then spammed over XXXX dollars and more on going missused and moved my mail and more online and paper too then endorse my name and forged my name and handwriting then expected to be blame and blackmail me and hurt near to XXXX I can't cope anything
I began disputing with the credit bureaus as of  XXXX   2017 . Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus,  XXXX ,  XXXX , and Transunion. They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences betwee n 35 - 45 days which has not happen. In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt  it necessary to express my concern.
I am very confused by what is being reported by Equifax. They have a XXXX account with a balance and payment status that is wrongggg! I have proof that its paid off and not past due at all! I want this fixed right now! I also see that they are reporting my XXXX mortgage as currently past due but there is no payment history reporting at all! How can this be past due????? I am so confused and frustrated here. This has to be fixed now!
Some company posted a account on credit report that is not mines. They never even sent me a bill stating debt. But after i disputed they updated account and sent me attached letter.But company still has not provided me information on what the debt is. The letter does not even give me any type of ACCOUNT INFO. 

Account XXXX Bank XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is.
Ocwen loan servicing was informed of a forgery on a loan re modifacation, they have removed my liability from the loan, but it is still on my credit, I called and asked them to contact XXXX major credit reports and have account closed, I was told I would have to do that myself. I would like this loan removed from my credit as soon as possible, Thank You
I pulled up my credit report and show a debt owed to XXXX XXXX XXXX, when I contacted them I was instantly told I was being transferred to a supervisor since I didn't not want to disclose my full ssn, once someone picked up I briefly spoke to a XXXX that advised this was a debt from XXXX XXXX which I show on my credit was charged off on XX/XX/XXXX, but XXXX is showing them I owe as of XX/XX/XXXX. I have never received any phone calls nor letters from XXXX nor was I aware of them until today XX/XX/XXXX. when I spoke to XXXX she informed this was being handled my a specialist and I needed to be transferred at that time I held until the phone hung up. I do not see how this company ( XXXX XXXX ) can report a debt onto my account that I am unware of and also without contacting me to try and verify this debt.
I am a registered user of coinbase.com When I try to log in I receive a confimarion SMS. 
Around XXXX 2017, I had to change my phone number. 
The SMS verification codes still get sent to my old phone number and I wanted coinbase to change it to my new phone number ever since. 
This process of changing my phone number requires the verifcation of my ID. 

I tried this numerous times and it never worked, mostly because : unknown reason and sometimes because they have me as : forename ; surname and on my documents its surname ; forename ( XXXX have surnames infront, basically x, y doesnt match your name y, x ). 

I tried contacting the customer support at coinbase.com, but they never replied. 
I have funds ( BTC, ETH ) in my account that are important to me and I can not access them and the customer support does n't seem to want to help me in any ways.
I am a XXXX XXXX XXXX XXXX who fell on hard times. In XX/XX/XXXX I took out a title loan from XXXX on my XX/XX/XXXX XXXX XXXX XXXX to help with bills after my wife had to stop working due medical issues. I defaulted on the loan and my car was repossessed in XX/XX/XXXX. 

I'm not disputing the fact that they have the right to take and sell my car. 

My car was sold at auction on XX/XX/XXXX. I didn't receive a letter until XX/XX/XXXX saying when and where my car would be auctioned. I also have never received information on where my personal belongings from my car where. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX dba XXXX. The letter was dated XX/XX/XXXX. In the letter it said my car had been sold for just under {$10000.00} ( XXXX placed the low end of private sale of my car at {$13000.00} but I know they often sell well under value ). After the loan amount due, plus towing/storage and auction fees I was owed a refund of {$6700.00}. 

There was a number I was to call to " claim '' this money. I called on XX/XX/XXXX and was told the check could take up to 90 days to reach me. The number was for Select Management Recourses that shares a suite with XXXX at their headquarters in GA. 

I called at the 45 day mark to get an update and was told they had yet to receive the funds to cut me a check. I asked who had the funds and they refused to tell me. I asked to speak to a supervisor and was told that he was out of the office at the moment and would call me back. I never received a call back. 

I called on XX/XX/XXXX ( 83 days since the claim ) to make sure they had my new address. Was told I would have the check by the end of the month. 

Called on XX/XX/XXXX ( 90 day mark ) to get a tracking number for the check. I had been told previously it would be sent USPS with delivery confirmation and signature required. Was told the check had not been sent yet but should be received early the following week. 

Called back XX/XX/XXXX ( 99 day mark ) Asked for tracking number again, was told the check still had not bee cut, but that the appropriate department would be notified and it would go out the following day. 

Called back XX/XX/XXXX ( 103 day mark ) Told the same story as XX/XX/XXXX. When I informed I had been told that story the previous time she said she would look into it. She called back and said her supervisor would make sure the appropriate department cut the check. It would take a few days for the check to reach her department then a few more days for it to be verified and then finally mailed to me. 

I was also asked to stop calling so much. 

It has now been 114 days and I still have not received a check. 

Because of this I have been unable to register for a 6 month program I need to attend to help with my XXXX. I had to get a car with a high interest rate because I had no down payment. I have missed Doctors appointments because my wife needed the car for work ( her car died at the 40 day mark and we are forced to wait for this money to get a second car ).
I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX  ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped XXXX points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called XXXX last month ( XX/XX/XXXX ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX XXXX number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the XXXX manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX XXXX XXXX XXXX to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.
I have never had an account with XXXX energy. My electric services when living in XXXX NC was with XXXX XXXX for some years ( which was taken over by XXXX XXXX in XXXX, i believe that is when the merger happened ) and I never had a lapse in my electric service due to an amount due. In XXXX I moved out of XXXX and have had my electric services with XXXX XXXX since. I did contact 'Online Collections ' in XXXX of XXXX and requested documentation outlining what the debt was for along with the time frame debt occurred. I was told ' You just dont like to pay your electric bill ''? I was also told XXXX energy sent me this information and I should pay this bill. I replied with if you can supply me with documentation that this is my bill .., I will happy to pay. Online Collections then indicated on my credit report that I agreed to pay and now am disputing. As well they never have supplied me with any NONE nothing.., documentation at all.
Caliber Home Loans, Inc., XXXX. XXXX XXXX, XXXX, TX XXXX ( Account Number XXXX ) maintains a suspected practice of receiving home loan payments before the deadline of the XXXX of the month, holding payment several days and posting the payment after the deadline for the purpose of charging inappropriate late fees. I mailed a payment on XX/XX/2016 and Caliber acknowledged that they received the payment prior to the XX/XX/2016 deadline. However, Caliber Home Loans , Inc. did not post the payment until XX/XX/2016. When I complained that they had adequate time to post this payment before the late fee deadline, they defended themselves by claiming an inability to handle their heavy workload. I feel this is an inappropriate business practice that borders on improper. Customers should not be held responsible for the poor processing of payments by this Mortgage Company.
After pulling m y credit score i notic e this company had a medical debt in my name. So i wrote a dispute letter on  XXXX   XXXX ,    2017  asking them to verify deb t ( See attachment # 1 )  the amount shown on credit report is {$250.00} which i later found out was n't the case ( see attachment  # 2 ).  Then on  XXXX   XXXX ,    2017  i sent out a debt settlement letter giving them until  XXXX   XXXX ,  2017  to provide the original instrument of indebtedness in its original form. ( see attachment  # 3 ). The wr ote back on  XXXX   XXXX ,    2017  with the stating the following ( see attachme nt # 4,5 & 6 ) bas ically saying that the do n't have to provide the info relate to the dispute letter made on  XXXX   XXXX ,  2017 . Which lead me to putting the matter into your han ds. Receivable Management feels the did n't have to respond to my dispute letter which convenience me to believe tha t they will be uncooperative in any future endeavors.
My issue is that I have 2 accounts XXXX XXXX & XXXX  XXXX XXXX that are this reporting negative credit information and the 7-year rule is in effect. Both accounts in question 1st became delinquent over 7 years ago. I disputed this with all 3 credit bureaus and not only did they not fix the problem, they also didn't properly investigate the matter. Not even the creditors were able to verify what we requested. 

My complaint today is with XXXX, Transunion, and XXXX. Hoping to get this resolved and appreciate your help.
HI : Mi name is Ms XXXX XXXX. XXXX XXXX married my husband XXXX XXXX during a credit background check on XX/XX/2018 to get our first house noticed an unauthorized account from the financial institution XXXX XXXX XXXX XXXX from my credit report, my husband in my name summit a claim with my authorization to the federal trade commission for identity theft problem, because i dont speak or write in English, just for my safeguard. 

The claim with the ( report number XXXX ) was made on XX/XX/2018, on XX/XX/2018 my husband and i went to the financial institution XXXX XXXX XXXX XXXX, we explain the institution the problem with the ( account number XXXX ), the institution after checking that account information they said the account number is it an old one that the updated or new account is ( XXXX ), they said the information in reference is it from my mothers and fathers not my, they said the house was foreclosure, we let then know the house was never on foreclose not before or after it was properly sale to my son in law, we let then know why the ( account number XXXX ) it is on my credit report as foreclosure, they said it was a mistake during the process, because my mothers name is ( XXXX XXXX XXXX XXXX and my is XXXX XXXX XXXX XXXX ), with different social security number, we let then know that excuse do not make sense for us, that was their explanation, after that they said they will begin with the investigation, about the issue, but they do not gave us any documentation about when they will fix the problem or how or when they will remove the information from my credit report an fix my credit report or even make a claim hard copied report to us. 

This issue has greatly affected my husband an myself to get our first house using his VA voucher or Certificate of Eligibility, he is a retired service connected veteran and thanks to the financial institution XXXX XXXX XXXX XXXX an their error on my credit report we can not, until the financial institution XXXX XXXX XXXX XXXX fix it, the only thing we wants is the proper documentation about the full problem and how and when they will fix and remove it from my credit report so we can start the search for our first new house, Thank you for you assistant an hopping you can do something for us ...
Citibank is reporting late payments on my credit report on accounts that were never late. There are several of these reports and when I asked them to validate these accounts since they were never late and they refused to correct the reporting, they failed to validate the account. When I asked them to remove the inaccurate reports, they just sent a letter asking for me to send them my credit reports instead of correcting what THEY are inaccurately reporting.
I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 

My name is : XXXX XXXX. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX. XXXX OH My current phone number is : ( XXXX ) XXXX All these number are not mind please remove from your database XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX RESIDED HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a account from XXXX XXXX # XXXX I do not recognize this account I do my business with XXXX this acount is a error please delete.
XXXX back in school he can not make payment. I am co-signer and an XXXX years onld with finncial hardship. ACE refuses to work with me.
Loancare Services has serviced my home mortgage for more 30 months. I do not know the exact date when they took over servicing the loan. 

I have typically logged in to make payments each month. In summer 2017, there was a problem with the website, and I had to call in. During the conversation, I gave authorization for a monthly payment. The account # routing # used in that transaction was incorrect. I have no idea where the source of the incorrect number - either I gave them the wrong number, they entered a number different than the one I gave them ( over the phone ) or some other error occurred. That should not have been a big problem - mistakes happen. 

However, I was never notified that the transaction failed. The next month I went to make another payment, and discovered that I had been locked out of the website. I called again, and discovered the problem. I requested at that time that they get to the bottom of why I received no notification or alert to this clear data error. 

My payment was not made the following month as well. I can not provide the exact sequence of events, but there were multiple calls both to un-lock the website access and to make the payment. 

After 2 months, we realized that the account number in my record was wrong. We fixed it, caught up all payments, and have been OK since. I have also since set up auto-debit on their site, for the amount of their invoice each month. 

There were two {$110.00} ( that seems pretty outrageous!! ) late charges, which I disputed. Though I never head any conclusion from the dispute, there is now, and has been for 2 months now, a {$270.00} " late fees '' charge on my statement ( which I never receive, but which is available for me to download from the website ). If I call and go through the phone payment process, the total late fee amount is {$220.00}. Who knows where the other {$50.00} comes from. 

It is unclear to me why they did not just charge me the late fees ( they have ACH authorization to charge the amount of the statement ). This seems wrong to me, particularly in light of the fact that they don't send me statements. 

This month, the final straw was that I received an alert that Loancare had registered a 60-day late with credit agencies, indicating I was {$4400.00} behind. This is false, and outrageous. That's where I stand today. 

Loancare 's inaccurate credit reporting has cost me >100 points off my credit scores, and is blocking a home loan approval for a new home I have been trying to purchase for 6 months now. I have engaged a credit repair firm who has gotten their marks removed from XXXX, but the other two still show this inaccurate info, including the most recent incorrect report. 

Before I hire a credit attorney to pursue damages and compel removal of this incorrect information, I thought I'd give you folks a try. I'm optimistic.
We are sending a Notice of Error as noted below. 
On XXXX XXXX, XXXX we requested the loan to be de-escrowed from the account. 
On XXXX XXXX, XXXX the cancellation for the ecrow account was granted. However, as of XXXX XXXX, XXXX we have not received a revised statement on XXXX XXXX, XXXX showing how much we needed to pay monthly that due on in 15 days or a refund because our Escrow was cancelled. 
From our records it shows that the Statute of Limitations has expired for the debt. As required by New York and Federal law, Ocwen Loan Servicing , LLC has not provided a disclosure statement before accepting any payment. Furthermore a disclosure was not provided in the communication accepting our monthly payment. This loan in question is not enforceable as part of the Fair Debt Collection Practices Act On XXXX XXXX, XXXX XXXX XXXX Department received proof of payment we made from XXXX XXXX through XXXX XXXX that was not applied to the account along with proof that Ocwen was servicing the loan in XXXX XXXX. This information in noted on the credit report. 
On XXXX XXXX, XXXX XXXX Securities and Exchange Commission, XXXX XXXX XXXX XXXX XXXX XXXX and Ocwen Loan Servicing LLC received proof of payment we made along showing that payments were accepted by Ocwen that was not applied to the account REQUEST FOR PAYOFF STATEMENT PURSUANT TO 15 U.S.C. $ 1639g of TILA 7 ( seven ) business days to respond Please provide an accurate statement of the total outstanding balance that would be required to satisfy the above obligation in full as of date no later than 7 ( seven ) business days from the date of the letter. This request is also being made in pursuant to 12 C.F.R 1026.36 ( c ) ( 3 ) Regulation Z. Please provide this information within 7 ( seven ) business days We are requesting a Satisfaction of the debt you alleged we owe, Refund from the our monthly overage payments and a A Payoff Request OCWEN LOAN SERVICING , LLC IS IN VIOLATION PURSUANT TO 12 C.R.F 1024.36 of REGULATION X A updated Monthly Statement Refund from the Escrow Account