WillisBack/dataset-financial-user-claim huggingface dataset:
On Thursday, XX/XX/2018 I submitted a complaint informing Equifax that there are fraudulent accounts reporting on my credit report. I submitted the Identity theft report as proof of these fraudulent accounts but to no avail as Equifax failed to block these accounts from my credit file stating that they verified that these fraudulent accounts belong to me. I would like a reinvestigation, I would also like for Equifax to send me proof along with all information regarding that investigation including the furnisher of the fraudulent information and how they verified the accuracy of these fraudulent accounts. 

This letter is my final communication regarding the inaccurate entries being reported under XXXX XXXX  XXXX Child Support, XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
Hello I am a XXXX veteran XXXX. I recently applied for income repayment and was denied because my only source of income is the XXXX. I have not worked since I left the military. According to the rules, I will not qualify for loan forgiveness because i am not XXXX.i have reached out to my doctor to sign the paperwork for me but va doctors are not easy accessible. i have this debt and no way to pay it and no other options.
I recently refinanced my reverse mortgage. I went to receive my first distribution check a few weeks ago at XXXX. Mistakenly I was given the commission check of the broker and was horrified to see he had been paid {$12000.00} to originate this loan. I discovered that the lender AAG, Inc and the broker were using " premium '' pricing to increase their profits at the expense of myself and I 'm sure many other elderly people. XXXX of MTI Toolbox had originated this loan at XXXX points above par without my permission and without any disclosure that this was happening. I believe that this is a new strategy that is being used by the reverse mortgage industry to increase their profits now that foreclosing on these loans is much more difficult due to Dodd-Frank..
The doctor 's bill was {$460.00} and the debt collection agency is trying to collect {$590.00} because they state that the bill is 120 days late and that adds a XXXX percent charge.
On XX/XX/XXXX, I was charged a foreign transaction fee for a transaction for a purchase through XXXX, even though XXXX is not a foreign company. Additionally, the IRS ( https : //www.irs.gov/uac/newsroom/irs-virtual-currency-guidance ) seems to indicate that purchases on this platform should not incur such a fee. I tried to dispute the charge but the website does not allow customers to dispute fees.
On XX/XX/XXXX, I become injury at work. On XXXX XXXX my employer let me gosince XXXX XXXX I have been injury and out of work, I contact Bank of America to seeking for help. In three times they denied simply they said YOUR LOAN MODIFICATION APPEAL HAS BEEN DENIED WHAT YOU NEED TO DO NEXT IS SHORT SALE OR DEED IN LIEU OR FORECLOSURE WHAT HAPPEN WITH BANK OF AMERICA. 
" I believe that banking institutions are more dangerous to our Liberties than standing armies. If the American people ever allow private banks to control the issue of our currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property-until their children wake up homeless on the continent their fathers conquered. '' XXXX XXXX XXXX XX/XX/XXXX THEY GIVE ME A MODIFICATION BUT TO BE TRUE AT THE BEGINNING IT WAS OK BUT NOW THE INTEREST IS UP AND UP EVERY YEAR AND AT THE END IT WILL BE THE SAME THAT I JUST PAY WITH COUNTRYWIDE. 
THAT 'S WAY SEEKING FOR HELPI NEED HELP PLEASEON XXXX XXXX I JUST CAN MAKE MY PAYMENT AND I DO NOT KNOW WHAT IS GOING TO HAPPEN IF YOU NOT HELP ME PLEASE
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AFNI, INC. 
XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI, INC. 
XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. XXXX XXXX for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have been trying to do a FHA refinance streamline mortgage since XXXX/XXXX/XXXX. I submitted every document that the processor asked for. Underwriting stated that I had an fraud alert on my XXXX credit report which was a ( consumers statement not an alert ) I was instructed to remove the fraud alert or add my phone number to the report, which was already noted on XXXX credit file ( phone number ), I faxed the credit report to the processor and the Loan Officer. I was then told it needed to listed on XXXX there 3rd party credit bureau. XXXX informed me there 's no area were they list personal ph numbers on there reports. XXXX back and forth trying to clear this last condition being told by processor and loan officer were n't not sure why underwriting will n't clear the condition. XX/XX/XXXX I was told this information and email notes would be forward to a supervisor and they will get back with me. It 's XXXX/XXXX/XXXX and I have n't as of yet received a call from anyone or refinance my loan. Where do I go for here interest rates are increasing!
In XXXX after 12 years of being unemployed due to permanent XXXX I began a loan discharge process with Nelnet. In XX/XX/XXXX I sent email and post office documents declaring that I was still unemployed. Under the generic email return address of XXXX XXXX instead of anything related to Nelnet, they sent me information that looks like spam. That is deceptive. My TPD process was dropped because Nelnet acknowledged and accepted my certification that I have not been employed, but their separate agency that sends generic email didnt receive the paperwork. I talked to the Omsbudsman and another agency that took my complaint but didnt do anything to correct the trickery of Nelnet. Nelnet told me that the XXXX $ loan was back on track affecting my credit AFTER the appeal period ended when it was too late for me to make an appeal. They didnt notify me that they have a separate organization to process XXXX and XXXX XXXX that doesnt share data with their loan repayment center so I had no idea that I was not in compliance. One agency of Nelnet said I was fine with the process and when it was too late to fix it the second Nelnet organization said I was not in compliance. Its deceptive. Having a hidden arm sending spam looking email that isnt clearly marked as being from Nelnet was deceptive. 

Being traded on the XXXX makes Nelnet drive up loan balances with unethical actions to make their profit look good to investors. The government is for the protection of the people but the XXXX is about getting as much money from the people as possible. 

Although its unlikely that I can ever pay the debt, having me on the books with ever increasing debt serves the XXXX well so Nelnet has s conflict of interest when it comes to treating me fairly. What they have done to me is so dishonest and unethical that its clear no other industry could get away with such flagrant disregard for consumer satisfaction and consumer rights. 

Nelnet believes they can conduct business any way they like because our own government defends their rights to rob the people that try to better their lives by getting an education. 

Nelnet informed me that all my documents were received and then Nelnet informed me that my case had been dropped. 

Its a crime.
If presenting facts as documented by DOJ and Inspector General in their letter to you where they stated the criminal activity of those looters require no reply we must be in XXXX Those criminals find guilty in the Superior Court for lying to their clients and defraud the lie to you without any shame We must drain the swamp of those criminals and face of corruption looting organizer, lairs and deceiver, We will meet soon in criminal court so those lairs can no longer try to device ad disrespect CFPB. They were find guilty in Superior court for lying and defrauding their clients To destroy the trust of your own clients this is the only expertise those criminals have. Now they consider that presenting facts of their criminal activity require no response that we must close this criminal looting firm Looting, defrauding and organizing death threats are the only activity of this Pirate Mortgage Company. The rest is only lying for this reason I will never stop until I see this criminal organization out of business as well as XXXX Lying firm and the criminal and looting garbage Law Firm Phelan Hallinan. They intentionally failing borrowers at every stage of the mortgage servicing process. The modification was designed to help people and XXXX tried to defraud people by increasing the monthly payments by 1700 %. Those are criminal organizations that must be closed. Lying Looter Low firms like XXXX and Phelan to stole all your belongs from your property and foreclosure your property in a top secret close door illegal and criminal act against 6/91 foreclosure. 
How many lies this horrible lying law firm is doing. The specialty of the lying law firm is top secret close door action as they try to defraud my property. XXXX XXXX XXXX , XXXX XXXX miss-represented the lender in a top secret close door foreclosure on the premises at XXXX XXXX XXXX, XXXX XXXX, PA. My property was sold temporary illegal, abusive and in a top secret close door action at Sheriff 's sale on XXXX-16. The consumer currently has an appeal to the Pennsylvania Superior Court docketed at XXXX XXXX XXXX. We will go all the way to the Supreme Court of USA if necessary. After this for the next 50 years I will have legal cases against XXXX XXXX XXXX XXXX, XXXX and XXXX count on it. In XXXX this Law Firm help again defrauding my family by helping the theft totaling now {$260000.00} and this criminal activity will bring a lot of criminal cases after I win back my property. Threats of criminal prosecution and " never stopping '' by the consumer are real and we will see it in the Court if law not in criminal behavior that XXXX XXXX XXXX XXXX, XXXX and XXXX is doing to my property for which I do not have any mortgage and my name is not on any mortgage note. CFPB must remained that this Law Firm must compensate all victims they defrauded for so long. CFPB must force this Law Firm to pay hundreds of millions compensation for double and triple charges *as they have a lot of legal cases for exact this reason ) as well as defrauding families so they must also lose their license too.
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate and incomplete. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me.
Was guided through the ACH process by an agent on the phone. Found out that my ACH was, in fact, not set up when I received a 30 day late on my credit report. I called in to verify why this was, and the agent stated that my ACH was never set up. During this call I did not receive my mini miranda rights. I escalated the call to a supervisor for a call back, but never received one. After waiting a week for a call-back, I sent an email voicing my displeasure to XXXX. I received a call back within the day and they stated that there was nothing for them to fix and that they do not have to read me my rights since they are not a third party ( implying that they can do whatever they want ). I also voiced my displeasure about 2 phone calls I received after XXXX local time ( I did not know who these calls were until I called back in ).
Recently, I was reviewing my credit report and saw a new entry from a company named IC Systems. According to the information submitted by IC Systems on my credit report the account was opened in XX/XX/2018. This information is false. Additionally the amount due of {$370.00} that was placed on the credit reported is not valid. Both The Fair Debt Collection Act and The Fair Credit Reporting Act was violated.by inaccurately reporting that I owe IC System and XXXX XXXX {$370.00} without giving me ( 30 ) thirty days to dispute the validity of the debt allowed by law.
I signed up citi checking account last XXXX for promotional sign up bonus. Basically I need to deposit $ XXXX new money within 30 days of opening the account. Within 90 days, {$400.00} sign up bonus should be posted in my checking account. However, it has been more than 4 months but the sign up bonus still has n't been posted. Contacted citi many times but it takes forever to give me an solution. NEVER TRUST CITI!
I believe that the HSBC bank is needlessly engaging in conduct that enables identity theft. I have not to my knowledge been victim of any fraud yet, but I feel I need to escalate this, since it is my impression that a large number of customers could be exposed through this leak. 

The issue is this : HSBC asked me for my mother 's maiden name, and SSN upon opening my account, and asks for them when I call them on the phone, all of which is of course customary. However, what I discovered is that having logged in on their online banking website, the browser shows me my mother 's maiden name, and the last four digits of my social security number ( on the " Apply for Credit Line ''  subpage ). There is no reason for the website to show that information to me, on the contrary, if a hacker manages to get a key-loger on my computer, to lift my login and password, they would be able to leverage the HSBC leaking my last four of SSN and mother 's maiden name to be able to impersonate me on phone calls to HSBC or other banks. 

I am not familiar with the law, but I would expect it to state that one can not propagate personal information of customers except if there is good ( business ) cause, of which there is none here. Also, I would expect that banks are under obligation to make a good faith effort to verify my identity, if they get a phone call from me asking to make a wire transfer, but I can not see how HSBC can claim that asking for my mother 's maiden name satisfies that obligation, when their website leaks that piece of information to anyone with a keylogger. 

I have pointed this out to HSBC representatives in no uncertain terms, but the response I got was that they would " pass on '' the information to their web development team, without acknowledging the seriousness of the situation.
i have made 1 purchase thst over drafted my account so then I replenished it and made another purchase knowing my balance was positive. Later a withdrawal fee hits after I make another purchase wich I had anticipated to be exact change so thst threw off my calculations. Everytime I made a purchase I looked at my online statement thst it was positive. Later they hit me with about 5 over draft fees when every transaction I made was on a positive balance. Only when they charged an over draft fee did it change the statute.
I contacted over 4-5 times over a year by mail also provided them with the Identity theft and police report and after several attempt they agreed to remove the information and block my report. I tried to open a new checking account and I was notified by the bank that my application is denied because of the information on my early warnning report and also too many inquiries on your EWS report. It was my first tine applying and shouldnt have tok many inquirues report and not sure what information they have added to their file but since I was a victim a identity theft and previously had account reported under my information and is possible new activities added to my report. 
I previously notified by early warnning that they block my report and supposedly it prevents new activity but looks like they still contain some information on their report that Im not aware of and it prevented me from openning a neq checking account.
After seeing a report on XXXX credit bureaus, I contacted Common Wealth Finance XX/XX/2018, I  have requested three times since then for debt validation from Common Wealth Finance. They say each time that they have mailed by usps validation of my debt. They say they also emailed to my acct. XXXX validation of dept. I have never receive anything. I believe I do not owe these debts. Two for {$100.00} and one for {$130.00}. I sent them a certified letter asking for validation of debts. They did not contact me by phone, email, or mail. instead they added the debts to another reporting agency, XXXX.
Receiving calls and letter in reference to previous bill which was paid some dating back to 2004, some years prior to the death of my husband. Many related to agency collection fees for bills which were paid to the hospital/doctor directly. Many others show no balance due. Have repeatedly told this agency they were in errors and after seeking documentation their own evidence shows they are in error. 

Remove all records and notations on my credit report with the Credit Reporting Services
In XX/XX/XXXX my wife and I refinanced a mortgage on a condo in XXXX XXXX, SC through Quicken Loans. At the time the property values were soaring and we wanted to pull out cash and refinance. Quicken offered us a loan product that kept the monthly payment low but we were not fully informed of the consequences when after ten years the payment jumped over a thousand dollars a month. After XX/XX/XXXX the property value dropped over two hundred thousand dollars from the appraised value when we refinanced and the property value has been lower than the loan balance ever since. Since Quicken sold the loan to a private investor and not a fed agency, we could not do a HARP refinance. We have asked the loan servicer, XXXX XXXX XXXX for a loan modification, but they have not provided an offer. Over the last eleven years, I have paid over two hundred thousand dollars in interest and principal and the current loan balance is only a few thousand less that where we started. This loan was a scam and should have never been offered to borrowers that did not understand the effects of negative amortization loans.
XXXX XXXX and his associate, XXXX XXXX, formulated a financial plan designed to preserve and raise enough money so that I could retire and live comfortably by XX/XX/XXXX due to serious medical considerations. I fully trusted them to manage my accounts and assests. However, since XX/XX/XXXX, they have lost well over {$60000.00} of my money -- {$43.00}, XXXX of this was lost in the first 11 months of XX/XX/XXXX, when the market was up. During this time, they also charged me over {$17000.00} in fees. 
I have had XXXX financial experts reveiw my accounts, and all agree that there is no explanation or justification for such massive losses in an up year. XXXX XXXX took " big bets '' puttig my money in very risky funds in amounts as big as {$20000.00}. During the course of our work together, he represented to me over and over via email on the phone that the funds, ETFs, and stocks he was choosing for me were appropriate for my short time frame and small amount of savings. And, he was aware of my need for the money for medical care. Still, he took huge risks, that lost money, with my funds. The horrid losses from my accounts in a year that the market did well speaks to the obvious neglect and inappropriate management of my accounts by XXXX XXXX. I called multiple times in XX/XX/XXXX to express my concerns to XXXX XXXX, and he told me just to trust him. We also had email discussions. On XX/XX/XXXX, I sent a letter to XXXX XXXX, the Branch Manager for XXXX XXXX office, and to XXXX XXXX outlining my concerns and complaints, and requseted to discuss a fair an equitable resolution. I have followed up by email three times now, and I have only received the comment that Morgan Stanley is reviewing my letter. As of XX/XX/XXXX, over a month later, I have no substantive response or willingness to engage with me in any dicussion.
I was on a trial period for a loan modification through PNC Mortgage. I made the first trial payment, but unfortunately the XXXX payment was applied mistakenly to a different account through XXXX XXXX. The mortgage company is telling me that they want to sell my home in 40 days. Please help, we just got back from out of town.
XXXX had my address recorded incorrectly. They had it recorded in XXXX XXXX and that address was not associated with me after XX/XX/2017.

I never got my statements. I didnt know I owed XXXX   money.

Also, I hAve attached documentation that I was attending school in XXXX.
I have never been to a XXXX in Arizona. And 4 times I believe my credit report says. Please remove this from my report. Thank you kindly.
credit bureau Experian not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XXXX XXXXand with XXXX since XX/XX/XXXX till XXXX2. as my correct name -they showing XXXX names for me instead of oneI am XXXX XXXX only not anybody elsedisputed the same issues with XXXX and they promised to fix it, hopefully they will as well as othersPlease help me out because these situation continuing for a years and they are not helping at all