WillisBack/dataset-financial-user-claim huggingface dataset:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX M SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX To Whom It XXXX Concern, In response to CFPB complaint ID number : XXXX Your company have violated the provisions of section XXXX, XXXX ( a ) ( XXXX ), or XXXX ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a XXXX report is being used to obtain blockage, not contest the accuracy of its XXXX Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; XXXX XXXX Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ). Such notification by a CRA triggers XXXX obligations for the furnisher. First, under FCRA section XXXX ( a ) ( XXXX ) ( A ), you must not allowed the furnisher XXXX not continue to report that information to any CRA. FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX XXXX XXXX a ) ( XXXX ) ( A ). Second, under FCRA section XXXX XXXX f ), it XXXX not sell or transfer that debt to anyone else who would try to collect it. FCRA XXXX XXXX f ), XXXX U.S.C. XXXX ( f ) .As required by section XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX, a copy of which is enclosed, I am requesting that the item XXXX XXXX ) be removed XXXX or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( XXXX ) ] and [ delete or correct ] the disputed item ( XXXX ) as soon as possible FOLLOWIN ITEMS : XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$620.00} Thank you. 

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
I went to a XXXX ( gas ) station ( private label credit card ) and was not able to get gas for my car. When I called their customer service number to discuss the issue ( XXXX ) I was alerted this account was closed. I asked when and why this account was closed since I have been a customer since XXXX. The account rep told me the account was closed in XX/XX/XXXX due to inactivity. Then I asked if they could furnish me with proof that I was alerted that the account was " in danger of closing due to inactivity ''. Furthermore, I also asked if they could furnish me with proof that I was alerted that the account was " closed due to inactivity ''. The account rep could not because as the customer I was NOT alerted in any way, shape, or form. I believe this is in clear violation of my rights as the account owner, not because the account was closed, but because I should have been made aware of the account closure either before OR after. None of which took place. Please hold this financial institution accountable for acting fraudulently.
On XX/XX/18, I received a call on my land line from a person who said that he was calling from XXXX to tell me that my XXXX  account had been " breached ''. I had received, the week before, on my XXXX, a pop up that said my XXXX account was almost full. I found that puzzling as I pay for that account monthly and I had never received a pop up like that, so I believed this really was a call from XXXX. At that point, after taking the call, I was transferred to a woman who said that she was an XXXX  technician, she had an XXXX XXXX accent and requested access to my computer using Go To Assist. I gave my permission. Once she had control of my computer she began showing me " evidence '' by way of colored charts, diagrams with moving data that she said were XXXX hackers who were at that moment hacking into my bank accounts. She also said that there was evidence of XXXX XXXX on my computer that the hackers were using and that if this was found on my computer it was a federal offense. She said that because of the seriousness of the situation she was going to have to transfer me to an XXXX security supervisor name XXXX. XXXX went on to tell me that these XXXX hackers had placed a " bad limit '' of {$11000.00} onto my credit cart and {$6000.00} on my debit card. He went on to tell me that in these cases XXXX uses " security license cards '' that I would need to buy but that I would be refunded fully by XXXX because the money needed to come in the form of cash or credit from me so as not to inform the hackers of that XXXX was involved in there whereabouts. The " security license cards '' ended up being XXXX XXXX XXXX which I had never heard of. I went to my ATM and withdrew {$2000.00}. XXXX told me that using this to buy the " security license cards '' in the form of the XXXX XXXX XXXX that he and his technicians would be able to shore up my debit account so that the hackers were unable to remove any more money. That day, when I thought this was a scam, I called Umpqua Bank and explained to them what I thought was a scam and placed a dispute onto the {$2000.00} withdraw which was denied a week later because Umpqua Bank said that I went there on my on volition.
I only attended the college for 4 months and I am being charged XXXX in 4 separate loans.
Regarding account XXXX reported by XXXX XXXX XXXX to the credit bureau, Equifax. This collections company has not responded to requests to provide validation on the reported account and sends mail back as " Return To Sender ''. No correspondence has come from them, and they have made no claims to justify their right to pursue this account. XXXX and XXXX have removed this item because of failure to respond. Despite this, Equifax continues to " verify '' the account after repeated disputes, and has not complied with 611 ( a ) ( 7 ) requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA 623 violations. Equifax even went so far as to remove my current address from their records after making requests for method of verification, saying that they could not honor my request because my address did not match their records. Yet, all of Equifax 's correspondence with me is to my current address. Attached are the dispute letters sent to XXXX XXXX XXXX that have received no response, as well as proof of mailings sent to their listed XXXX location that they Return To Sender. Also included is letter from Equifax stating my contact information no longer matched in their database.
These are accounts are grave errors, and were settled a long time ago ... I was appalled when I viewed my report ... how can settled accounts be sold to collection agencies?? 
The original creditor informed me that these accounts were and can not be verified, so why is Equifax still reporting?? 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX {$200.00} XXXX {$59.00} XXXX {$30.00} XXXX {$480.00} XXXX {$230.00}
The Sears card billing was sold or transferred to Citibank collection They called over 10 time in one day. The problem is that they sent the bill to a XXXX XXXX XXXX this has happen about six time in past and they have billed me four times the amount of what is the monthly payment {$4300.00} which I have been paying on time for over 12 years or more with the same address for billing for over 12 years. They changed the address to be able to collect late charges it has happen so many time before and I have paid the late charges. This is a crime with all the intent to defraud the consumer .I have spoken to them and asked why did they Sears or Citibank change my address without my permission. My address for the last 12 years has been XXXX XXXX XXXX XXXX Florida XXXX same phone number XXXX XXXX which has been in their files for over 12 years. I am asking for an Federal Investigation and a Postal inspectors for mail Fraud using the US Mail service to commit a Crime. This problem I am sure is happing to other consumer we need and demand you to Investigate this matter.My husband is XXXX.
Discover reduce my credit limit causing purchases to go over the limit and purchases to be declined affecting payment obligations without notice. My credit limit was reduced from {$1800.00} to {$1200.00} without any notice or consent. I contacted the credit department and they acknowledged that no notice may have not been give which is completely unacceptable. The credit card was not overdue and is was not over the limit until they changed the limit.
In XX/XX/XXXX I was notified I was in default despite being set up through their online system to make automatic payments on the balance shown. They notified me that not ALL of my payments would display if they were not up for repayment or in default. I made a XXXX payment to bring my accounts up to date on XX/XX/XXXX. I continued paying on time through auto payments up until present day. However, inXX/XX/XXXX I was notified again of being in default through a credit report. I called and they notified me I was in default and reported to credit agencies and was late on {$16000.00}. To bring it up to date I would need to make that payment. This amount due was not shown when I log into their system to review my balances, their online system not only did not include these loans but shown that all of my payments were received, on time and current. Further, I never received any mail that indicated there were other balances or I was late. Lastly, XXXX XXXX has failed to update any of the credit bureaus with accurate payment history since XX/XX/XXXX despite making full and timely payments. This has resulted in losing 200 credits on my score making it impossible for me to qualify for a home loan, credit cards, and business credit. This is the ONLY negative on my credit score and they are ALL coming from the lack of accurate reporting of XXXX XXXX. There were times prior to XX/XX/XXXX that I had been late but after finding financial security I have been diligent about making full and timely payments but have not seen any updates reported to credit bureaus. However the inaccurate and incomplete documentation by XXXX XXXX has also made it impossible for me to organize, plan, and monitor the payoff of my loans.

I have attached a full payment history as well as a screenshot of what I see when I log into my account showing a XXXX dollar balance due.
This complaint regards : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX I have several old/closed accounts with " XXXX XXXX XXXX  '' on my XXXX credit report. One of the accounts was shown as derogatory since XX/XX/XXXX ; but the remaining three accounts had always been showing in good standing, but now those remaining accounts are showing " derogatory '' as well. These accounts are now being reported as being included in a " Chapter XXXX wage earner plan ''. This is false/incorrect reporting.These accounts have NEVER been derogatory and I need XXXX XXXX XXXX  to correct this issue immediately. 
I spoke with a XXXX  representative and I was told that they report whatever a creditor reports to them. I called XXXX XXXX and my call was forwarded to a customer care representative who looked at the accounts in question, but was not able to do anything, as the credit reporting department was not available. A copy of my XXXX  report showing the accounts is attached. One copy ( XX/XX/XXXX ) shows the accounts paid in good standing, and one copy ( XX/XX/XXXX ) shows the accounts in a derogatory status. I did not dispute these accounts, so no change should have occurred on my XXXX  credit report ; XXXX XXXX should not have reported this information to XXXX.
RESPA Violations - First American Title Insurance Company is my title insurance company that I opted to take out a policy to have them defend me against any mortgage defects. Instead they went against me. The entire mortgage is not mine, forgeries admitted, title company owner prosecuted and went to jail for the same crime I 'm dealing with and 5 different settlements sheets submitted into court records and none of them match the Good Faith Estimate submitted by the alleged lender. Nothing matches including the escrow- their documents state there is an escrow, but I paid my own taxes and insurance. My name was forged on someone 's loan and 5 different settlements sheets have been presented with different sales amount, different signatures, different way of writing the date and nothing matches.The deed was notarized one year after the alleged settlement.
First American wants to cover up and hide the RESPA Violations and Defective Mortgage. The court case was civil and did not involve RESPA or Escrow.
My wife lost her job in XX/XX/XXXX. She received unemployment benefits until they were exhausted. During that time, XX/XX/XXXX, my wife was looking for work and ended up having serious health issues. After getting back on her feet and finding a job, things were spiraling downward consistently. We contacted Keep Your Home California ( KYHC ) in hopes for assistance with our delinquent mortgage. KYHC had a principal reduction program that we qualified for. We informed Loancare that KYHC was going to try and help us bring our mortgage current and work with Loancare to bring our mortgage down to an affordable payment for us. KYHC told us that they werent getting any responses from anyone, and when they did speak with someone, they said that the company was only willing to do a curtailment. KYHC told us that they needed our company to buy us out of the pool or sale our loan to someone who is willing to work with KYHC fully, because thats the only way that they could help us. Meanwhile Loancares Loss Mitigation Department was trying to come up with a solution for us, which was great, except it wasnt affordable for us, so we appealed. And when we called Loancare to try to get them to work with KYHC, it didnt go so well. So time lapsed and we lost the benefit of KYHC. One great thing is that KYHC said we could apply at a later date if something changed.

We applied, reapplied and appealed with Loancare, because the payments offered in the modification were still unaffordable to us and would have resulted in immediate failure on our part. We would have eagerly accepted and was hoping for a mortgage payment just a few hundred dollars less than the modification plan offered us. Through Loancares modification, they came up with a payment of roughly {$2100.00}, when it was roughly {$2600.00}. {$2100.00} is lower than what the payment initially was, however, it is at this time is still out of our reach. I work a full-time position and am XXXX XXXX. We are now being given the option to short sale or foreclose. And that is not what we want to do. 

We would like to know why Loancare, who is our servicer, cant communicate with the lender to buy us out of the pool or sale our loan as KYHC suggested. It would be great if an obtainable modification could be reached. We knew that we had to choose assistance from KYHC or Loancares Loss Mitigation Dept. so we made it clear that we wanted to go with KYHC because it offered more help to us, it was working on our behalf, keeping us in our home, with the goal of lowering our mortgage payment so that it would have been affordable for us. According to HUD, our lender should do everything possible to help us remain in our home. We are pleading with our servicer and lender. What seems like a really great option to us, they dont seem to want to consider. My question to them is why not? We would accept a lesser modification determination, something we could reach, without failure.
I had an issue with a purchase in XXXX and filed a charge back with my bank in XXXX. The transaction was supposed to be refunded however my prepaid card company kept part of that money {$54.00}. The company in question is netspend
I recieved a restricted number phone call ( voicemail ) from a XXXX XXXX stating he had some legal documents that are to be served to me and for me to sign. He stated he had my name and social security number and he was reaching out to me to inform me he will be serving me papers on Monday, XXXX XXXX. I called the number he provided and submitted the ref number that was left in the message. The lady that answered said the business was Red Cedar Associates and asked my name. I asked who they were looking for and when they said the incorrect name I hung up, in suspicion of a scam. I then looked up Red Cedar Associates and found the are a debt consolidation company.
My name is XXXX XXXX and I have been a loyal customer with PNC for the past several years I have both personal and business accounts with them including vredit cards and lines of credit. 

On XX/XX/XXXX, I noticed several transactions in my checking account from pay for donations to an individual in the XXXX. 

This individual somehow was able to comprimise my XXXX account and send multiple donation to himself over the course of 3 months for almost $ 11k. 

I immediately noticed PNC bank of this and the closed down my card and began an investigation. However in less than 2 weeks XXXX presented the sellers side of the story which was : showing screen shots of the money being received and someone posing as me without mt name or email address. 

Thank him for absolutely nothing. I have been a member with XXXX sine XXXX. And this is the worst think they couldve done to me. 

My bank has claimed sine they can not raise the issue with XXXX, i need to get my money back ASAP. 

And look forward to your help. 

XXXX, XXXX
Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
The credit card company was unable to accept my form of payment. I submitted copies of my bank statements to show proof of funds. I was unable to obtain another method of payment until recently and paid the full amount of the account. I since spoke to an account representative who had no record of receiving my bank statements and the conversation I had with the account representative who stated there would be no issues with credit reporting.
Hello, We refinance a few years ago and we were unaware we would have to pay mortgage insurance for 11 years. 

When we closed our refi loan we had about a 60 % loan to value and thought mortgage insurance was normal for a new loan. 

We are currently around 50 % loan to value and don't understand why we're paying {$300.00} a month in mortgage insurance it's completely unnecessary. 

I've contacted our mortgage provider multiple times and they have said they could remove it but won't, they will not drop the mortgage insurance. 

Had we known they were going to force us to pay mortgage insurance for 11 years and not 2 we would have not refinance our loan. It's always been our understanding mortgage insurance is 2 years or 80 % loan to value. 

We need relief from this I've tried multiple times and the mortgage companies simply will not work with us
TD bank does not allow access to my financial data by external applications like XXXX ... even though I verified all my security information.
I opened a XXXX card in XX/XX/XXXX, left it go to collections and it closed XX/XX/XXXX. Pair it off XX/XX/XXXX. It was last reported XX/XX/XXXX. Called equifax to have it removed. Lady told me no it had to stay on until XX/XX/XXXX. Im calling XXXX on this one.
XXXX payment is due 1 but not late or occur late fees until XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I receive 3 calls from Planet Home Lending in attempt to collect payment. I have no history of being late or missing payments for 7 yrs. I call and the message before you get a real person stated we are attempting to collect Debt. The rep stated You have n't paid you mortage and we are trying to get payment. Well yes.. I have it came out of my bank about ( I am thinking she is talking about my XXXX bill ) on XX/XX/XXXX- NO it did not post you did n't pay it she says. I then get angry and advise she needs to check on this because it was paid and deducted from my bank about.. " NO it did n't post and we are collecting you debt '' she says again. I hang up and call back beyond flustrated. The same message comes out about debt collectors for Planet Home Lending.. I ask the rep is this for XXXX? Yes Maam we have n't gotten XXXX payment.. 
Well, is it late? I believe I have until XX/XX/XXXX before it is late why is debt collector calling me.. Well Maam it is a courtesy call and you have to understand. Well NO I do n't have to understand.. they just stressed me out for NO reason and I believe it wrong to do a so called reminder call under a Debt Collection. Especially since I have NO history with them for being LATE or Missing payments to start. Also, if a reminder why 2 days in a row? IT is not what the recordings say - they say Debt Collector there fore it is misleading and border line fraudulent!
In XX/XX/2017, I filed a police report for identity theft. I listed XXXX  as 1 of the companies that were reporting fraudulently on my credit report. I also sent a copy of an identity theft affidavit along with the police report to the credit bureaus. XXXX  and XXXX removed all the fraudulent accounts including XXXX. Equifax did not. I re-sent the identity theft dispute to Equifax and was told that the dispute information was sent to XXXX. I recently was told to contact XXXX  directly, which is what I did. They informed me that a loan was issued in another persons name and SSN. Recently I was told that a family member had stolen my identity. They had gotten this auto loan under another SSN and called XXXX in the middle of the loan and gave my information to them which prompted XXXX  to start reporting the loan under my social security number. I was given an identity theft packet by XXXX to complete and notarize which I did and asked for a copy of my Drivers License and SS card. Upon receiving my SS card, they then asked me to sign a XXXX  form to verify my SSN. They are stating that they had every right to change original contract information to my information even though I didn't give it to them and I didn't apply for a loan with them.
Midland Credit Management ( MCM ) had continued to contact me early in the morning even after multiple times telling them that I work third shift and not to call me at those hours. Agents use fake names, always calling from XXXX such as " XXXX XXXX '' and " XXXX XXXX '', typically releasing sensitive information without verifying identity first.