WillisBack/dataset-financial-user-claim huggingface dataset:
Experian web sites do not function correctly. No phone number to reach a human. Phone hangs up on you if you wait. Corporate office refers to number that hangs up on you. No way to contact except postal mail, in which no one responds. Yet, they have control over financial information that may or may not be correct.
Hello, I am writing to dispute information on my consumer reporting file. I have been a victim of identity theft and believe there is false information on my file. 

Specifically, I have been living abroad for 3 years and I learned that while I was abroad my identity was used by a third party, potentially family member, who had my information and was aware that I was out of the country. 

Please remove all records for the past 3 years as they are not valid nor a result of my actions. I have not utilized a XXXX account during my time XXXX, thus any records for this time period are likely from fraudulently opened accounts. 

Attached is a relevant IC3 report for your reference.
On XXXX XXXX, 2015 Equifax removed XXXX from my report on XXXX XXXX, 2015 it was added back to my credit report
My student loan lender is not applying my payment to the loan but only applying it to the interest.     Originally, my student loan was with  XXXX   XXXX  and now it is with Navient. The original problem was while I was in school they would immediately start to ask for payment during breaks and add interest even though I was in school. They never removed the erroneous interest. But now the issue is that none of my payments are being applied to the loan and are only going to interest. That means I will never be able to pay off this loan. When I contacted Navient, they said something about daily compound interest and that I should pay more than the note and that would be applied. That seems illegal to me.     I am finally back at a point in my life were I actually have a steady job and can make payments. When I was unemployed and broke there was no help anywhere. I tried to get a loan modification and was denied. While the loan was on deferment  XXXX   XXXX /Navient would constantly drop it out of deferment and place it on forbearance so they could add interest. And they would not remove the interest they added again erroneously. I now know all this is predatory lending. These so called clerical errors are n't errors at all but a way to steal from the customers.      XXXX  's education did not help me at all. All it did was put me in debt that is impossible to pay. I work in an industry totally different from these loans that I owe.     I am a  XXXX   XXXX   XXXX  Veteran and feel like my country has abandon me. Can you please help me with this?
I applied for a payday loan around XX/XX/XXXX and received the funds. On XX/XX/XXXX the loan was paid off in full with cash at a physical store location. On XX/XX/XXXX which was the due date, the company then pulled out the amount from my bank account that I had already paid. So I have paid back the same loan twice. 
I've been attempting to get a refund with no success. I've communicated with the store location the debt was paid at, and with the corporation 's customer service line, and both claim that the refund has to be approved through the corporate department. I asked for the phone number for that department and was told they have no phones and that I can only email. So I emailed them Friday ( XX/XX/XXXX ) and they claimed it should be solved Monday ( XX/XX/XXXX ). When Monday arrived they claimed it had just been submitted and would take 48 hours to process. Now its been the 48 hours and they still tell me they are waiting for the refund to get approved. 
This whole situation has negatively impacted my family and I in immense ways. I feel that the lack of communication and attention on this matter is unprofessional and unfair.
On Monday, XXXX XXXX, 2016 my PNC personal checking account balance had {$43.00} less than the amount needed to cover the debits submitted. PNC bank computer software manipulated the debits and on Tuesday, XXXX XXXX, 2016 they charged my checking account XXXX NSFs @ {$36.00} for a total charge of {$140.00} for XXXX NSFs. I maintain that this total charge of {$140.00} is excessive for a insufficient balance of {$43.00}. I believe only XXXX or, at most, XXXX NSFs should be charged to my checking.
on XX/XX/XXXX I ran my first XXXX XXXX inquiry and discovered 3 accounts that were never set up by me. I did not know how to resolve the issue, so I made payments for the first time that next month, from my personal checking account in order to not ruin my credit and called and closed those accounts and reported them. I continued to pay on them while I investigated and tried disputing them. I discovered, through some time and law enforcement investigation that I have been the victim if identity theft. I filed a police report and an investigation was started and sent to the prosecutors office. It is probably international, so they did not pursue. I have a copy of the police report filed on XX/XX/XXXX with XXXX County Sheriffs office. These accounts have been open and paid for for years without my knowledge or consent. No paper bills were ever mailed here until I requested them. No payments were made from my accounts until I discovered the accounts on XX/XX/XXXX ( I believe ) There was a fraudulent XXXX account, linked to XXXX and light coins that was used to pay for these credit cards. that was closed and resolved immediately. I never signed an agreement to open these credit cards. I have spent over a year disputing these 2 Bank of America accounts. At first I was told it was resolved and then they changed their minds. I have spent thousands trying to keep a good credit rating and have spent countless hours on the phone with them disputing and trying to repeal the denial. I have provided Bank of America with the police report and proof that the account used to make payments on the Bank of America credit cards was fraudulent. I provided them with this TWICE, as it was 'lost ' the first time. I have not attached any documentation to this, as I have already provided it to Bank of America twice. They should have it. 
I believe I have fulfilled all of the requirements and I continue to cooperate. However, I was told I could look to you for help resolving this issue. I feel like I have had no choice and I'm losing so much for an account charging things that I have never heard of or seen! 
Thank you in advance for your help, XXXX XXXX XXXX
Someone named XXXX XXXX calling from XXXX has called me and family members. This person is very aggressive in tone. He has left threatening messages. I have no idea why this person is calling me, and more importantly he and this company are not following the Fair Debt Collection Practices Act. The first couple of times he called he did not leave identifiable company information. He calls after hours, and he calls family members, and friends. I have tried repeatedly to contact this individual/company, and I only reach an unidentifiable voice mail box. The number they call from and leave for me to call back is XXXX XXXX.
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised.  My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
On XX/XX/2018 I mailed Lexis Nexis a certified Mail letter disputing a degrogatory/ negative public record on my Lexis Nexis report. It states I have a Bankruptcy, and I was disputing that. I again requested my Lexis Nexis consumers report, and they not only did not place that record as disputed by the 30 days the law and my rights state they have they did not reply back to me at all, and have neglected their obligation as a reporting agency to do so per the laws, and rights you set before them, as well as Fair debt and reporting agencies have to do. The information they are reporting is not accurate, and has affected my life tremendously. Their enormous fabricated record keeping has slandered my name, and as my letter stated I would handle that to the fullest extent. The only response I received was someone elses information which violates their rights as a consumer with very personal, and sensitive information that had I been a thief I could use against them. I have included pictures of my letters, can prove their record keeping skills are absolutely horrendous. They sent someone elses information to me, and expect me to set tight while they do the same to me, and continue reporting false info about me to perspective jobs! I will not have it, and demand the laws in place to protect myself, and my rights are utilized in such an instant. I lost I very good Job Opportunity based on their poor reporting practices, and have no filed all complaints my letters told them would take place due to this dafamation of my character. CC to the XXXX CC to the Attorney Generals office of my state and their state. Please hold them accountable for their many violations of my rights, and hold them to the laws you set behind to protect consumers such as myself!
Claim Number # XXXX I am very pleased to receive a check after CFPB reached an agreement with Equity Accelerator Program which is associated with HSBC Bank. I have a mortgage loan with HSBC in XXXX along with other accounts, but the bank seems just ca n't offer me an easy access to my loan account online like the other accounts I have with them. then, three years ago, i filed complaint to my financial manger in XXXX XXXX and demand a more transparent loan account information showing how much i have paid and the balance of my loan account in daily basis ONLINE like the other accounts. as you see from the attached, the mortgage information is always un-accessible online. to get my mortgage info, i had to made a call and then was transferred to a remote unknown country to get my mortgage information!!! Even so, they are not helpful and have no concept what they are doing. To make a story short, finally i receive my loan info monthly through mail, but online information has never existed. it always experiencing an " ERROR ''. Last week, I made a call to mortgage center ( this time within the U.S ) to find out the exactly amount to pay off my mortgage. I was given a number, but after we did some calculations the numbers were off what we owe. I bought a house for {$200000.00} in XXXX in XXXX with 20 % down. then, in XXXX, i signed up a speedy seven years payoff program by paying bi-weekly with Equity Accelerator. I am not an expert of figuring out how much i have paid to the loan and the balance, but I was given the number of {$87000.00} to pay off the loan as XXXX/XXXX/XXXX. we are skeptical about the numbers and hoping CFPB as our watch dog to help us to fight and deal with giant bank like HSBC. thank you so much for listening.
I have a notice on my credit report from XXXX XXXX XXXX that a loan that I co-signed for is in collections. The loan was my sister 's and showed up on my credit report after she declared bankruptcy. My dispute is that the l last payment on the loan was in 2008, and the creditor has systematically moved the last payment date to keep the account on my credit rating. This is illegal, and all three credit bureaus have allowed to continue. By law, this should have been removed after 7 years. Repeated requests to both the credit reporting companies and to the creditor for documentation has been ignored -- another violation of federal law.
Good afternoon, For several years ( since XX/XX/2008 ) I have been having trouble with my student loans. During my divorce our combined student loans ( mine from XXXX, XXXX and his from XXXX, XXXX ) were " ordered '' to be paid by my ex husband and I took other debt to equal things out. Since that time the debt has remained on my credit and despite court documents saying that I am not supposed to have to pay this back, it remains in my name and on my credit report. Navient ( the loan was formerly with XXXX ) indicated that since it was a federal loan the states decision that it was not my burden any more did not affect them. Quite frankly this does not seem right. This has impacted my ability to buy a house, retain credit, and shortly will impede my ability to get financial assistance to send my children to XXXX. To make matter worse my ex husband has not made a payment on the loan since our divorce and the amount is now almost doubled. There has got to be a way to relieve me ( and my children ) from this burden. I have tried all that I can think of and now I am hoping I can get some assistance from someone in government. I have to believe I am not the only person in this country that is affected by such things and if I can help others while helping my family by bringing this to the attention of the government, that would be even better. 
Can you let me know where I would take this issue to seek assistance? 
Thank you.
this company has placed a fraudulent account under my personal information related to an address ive never lived at for a gas bill. i faxed over the police report that my identity was stolen along with the FTC affidavit. ive called over XXXX times with no luck they keep asking me to send the police report which i have not XXXX but XXXX times. i ask that my right as a identity theft victim be enforced .i ask that this account be removed immediately since this account has hurts my person and my credit in the past and i was denied a home loan XXXX different occasions and i had to pay higher interest rates and suffered financial hardship because of them. 

I had also spoke to someone in the past and they mailed me a letter of deletion and verified the account was not mine AGAIN THEY ADDED THIS ACCOUNT and they are attempting to collect on this account.
I am living in XXXX on XXXX XXXX XXXX as a XXXX XXXX working for XXXX XXXX XXXX XXXX XXXX ( XXXX ). There are no Chase Banks here on base ; only XXXX XXXX XXXX XXXX and XXXX XXXX. I needed to purchase a cashier 's check in the amount of {$27000.00} oddly enough to pay off my debt. I called Chase Bank on XX/XX/XXXX CONUS time which was my XX/XX/XXXX. I asked the call center rep if Chase could authorize an increase in my debit card purchase limit so I can purchase the cashier 's check. After being transferred to several people I reached a higher tier technician that was able to increase my debit card limit for 1 business. I specifically asked the gentleman if there will be any commensurate fees associated with my purchase and he stated that there will not be ; knowing I was going through XXXX  for the check.

I logged into my Chase Bank account today and saw my balance as being -XXXX. Chase charged me 2 non-ATM cash fees of {$410.00} each totaling {$820.00} on XX/XX/XXXX. Needless to say I was horrified!

I called Chase immediately and spoke to 3 people ; the last being a manager named 'XXXX  '. She stated that when I opened my account with Chase close to 20 years ago I signed a memo that states if I use a non-Chase ATM, I would be charged. That is specifically why I asked the technician on XX/XX/XXXX if there would be any associated fees and once again, he said no. The most XXXX   could do was courtesy waive {$34.00}.
Also, XXXX  have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting.

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported.

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification.

Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher XXXX  contacted PER 609 ( a ) ( 2 ).

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. XXXX, Transunion, & XXXX  should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.
XXXX address and XXXX names listed under TransUnion credit report does not belong to me nor have I ever live there. Please assist!
Bank of America closed all my accounts ( checking, savings, business ) without any notice before, or an explanation after, they were closed. I have had my checking account for over 20 years with them.
I have submitted complaints however I have n't gotten a response. I checked my Credit and found many many errors. It 's scary how these creditors can report debt that does n't actually belong to you and then go further to demand you to pay a debt you do n't owe.   XXXX   is reporting twice on my Credit Report and even sent me an email. I have no knowledge of either of these loans. When I inquired I found out these loans are Student loans. I in fact worked very hard to put myself through college so I would not have student loans and here I am still owing debt that I did not obtain. There Also is A   XXXX   XXXX  . This is not my debt either. I have been harassed by these individuals attempting to take money from me that I do n't owe. I have no knowledge of these accounts and I pray you can help me to resolve this problem. There is one account on my report that should not be reporting because it is too old. The   XXXX   XXXX   XXXX   XXXX   was closed in 2008. Please Remove this from my account.
i have been disputing these accounts reporting on my credit report since i pulled my credit report on XXXX 2016. i have submitted several disputes to the credit bureau about these accounts do not belong to me. They keep submitting response back that they have validate these accounts. I have requested over Several times for them to send me verification as to how they validated these accounts were mine and accurately? I have requested documentation of my signature on these inaccurate accounts, if they can not provide that then to delete these accounts from my credit report. The FCRA requires that all credit reporting bureaus are supposed to verify before this information is added to your credit file. I have asked on numerous attempts for them to provide me documentation showing i signed and agreed and they have not provided me these methods of verification saying they have verified these accounts as accurate.
XXXX XXXX, 2017 I had checked my TU credit score whether I saw there are a few non authorized inquiries in my credit report, which do n't show on my other 2 reports. I contacted XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX, all to get the run around on this issue and my other issue. My other issue being that I could n't log into my TU account to check to see if anything else was there that I should see. I was connected to reps and a supiervuour that all gave me the run around on both situations making them no help.
Green Tree improperly raised the interest rate on my mortgage. The terms of my mortgage contract state that the index is the weekly average yield on the United States Treasury Securities, adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. It also states the most recent index figure available as of the date 45 days before each change date, is the index that will be used to determine the change. The new interest rate will be calculated by adding 2.75 % to the current index and then rounded to the nearest one eight of one percent ( 0.125 % ). The rate will never increase or decrease on any single change date by more than two percent. 
( Prior to the reset my interest rate was XXXX. They added 2 % to the 2.875 % and it is now 4.875 %. They did not adjust according to the contract and use the proper index ). 
Forty five days before XXXX XXXX, 2015 is XXXX XXXX, 2015. On XXXX XXXX, 2015 the index was XXXX adding the margin of 2.75 % my new interest rate should have adjusted to 2.97 % with a new payment of {$900.00}. Not {$1000.00} In addition my escrow account shows that a payment for my hazard insurance will be made on XXXX XXXX, 2015. I have never had an escrow account for insurance or taxes, I pay them myself. 
On XXXX XXXX, 2015 I called and inquired about this. I was transferred to 4 different representatives, each time having to give my account number and social again. no one was interested in helping me answer my question. They were rude and wanted to know when this months payment would be made. The final person I talked to told me to send a fax to customer service general correspondence, stating I was disputing the change in the rate, which I did on XXXX XXXX, 2015. I also have written a QWR ( RESPA ) letter which will be mailed certified tomorrow XXXX/XXXX/2015.
Unauthorized hard Inquiry on credit reports dated XXXX XXXX 2017 No authorization or consent given to this company by customer. 
Investigate and delete immediatly
I was contacted by XXXX and told that they had a gas scooter I had been looking for in stock. I sent the money by money gram and was given a bogus tracking number. They later contacted me again wanting additional money. Scooter not sent -- -- {$1400.00} lost.
XXXX-loan # XXXX Docket # XXXX Law date : XX/XX/2017 I expected better from our " justice system '' but, I am not surprised at my outcome. There are businesses similar to Caliber Home Loan, Inc., in existence all over. They claim to be customer specialist but they are not. They prey on the short comings/ misfortune and zero finances to fight properly. 
In my opinion Caliber Home Loan , Inc., is no more that a collection agency that buys loans and services them until people make one mistake. That one mistake has caused me nothing but disappointment, frustration and XXXX. Paper shows that Caliber tried to work with me, but they really did not. 
I fought long and hard to modify my mortgage loan on my own, and then through Court Mediation. Week after week, month after month, the same exhibits needed to be redated, refaxed or remailed. In Court mediation myself and the Court appointed mediator handed off the paperwork to the Attorneys office representing Caliber Home Loan , Inc. and they saw that it was passed on in a timely manner. This process went on for a year or more and until recently I got defeated. 
I have every paper I ever sent to Caliber Home Loan, Inc. I was never sent a letter of rejection. They knew my credit worthiness and I feel they misled me. I have lived here 15+ years and am XXXX years of age. I apologize for being laid off but tried to quickly rebound and get back on board. I was told by Attorneys and others that mortgage companies do not have to work with people and I am sure that Caliber did not want to work with me. Now, I will join the homeless because I could have paid the modification ( which was to be through HAMP ) but Senior housing and regular housing are saturated. 
What do I want?? I just do not want anyone else to suffer this kind of unnecessary XXXX, XXXX, XXXX and XXXX from Caliber Home Loan , Inc. 
Thank you for your time and consideration.
i took out this loan, been making pymts on it. Chase call today and informed me the loan was not process. I informed them we had the bk interview bk in XXXX when I bought it. 

they do n't have the loan that I am paying this loan on. I made XXXX {$500.00} as to date out of my chase cking acct.
I have a balance XXXX for BB & T Bank for {$580.00} but the balance was paid last year out of my tax return