WillisBack/dataset-financial-user-claim huggingface dataset:
In the year 2013 my identity was stolen, unbeknownst to me, someone use my government issued social security number to obtain goods and services using my personal information. this theft begin to take place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to each creditor and the credit reporting agencies via certified mail as advised by my council A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THE EQUIFAX COMPANY REFUSES TO RESPOND AND STOP REPORTING THESE INVALID ACCOUNT UNDER MY NAME ATTACHED YOU WILL FIND THE COMPLETE IDENTITY THEFT FILE FOR XXXX XXXX INCLUDING MY FEDERAL TAX RETURNS THAT SHOW MY ADDRESS AT THE TIME THESE ACCOUNTS WERE OPENED FRAUDULENTLY. 

XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
To whom it may concern, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX  XXXX to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosures : Identity Theft Report FCRA Section XXXX
I have 2 accounts with Citizens. I am on XXXX ( not my choice ). My income is very limited. Both accounts are closely watched. There are still a few entities that access my account. I have tried endlessly to stop this, however the bank nor the entities do not help. I have been charged 2 XXXX $ insufficient funds fee. When I noticed one of my accounts fell behind by {$2.00}, I immediately transferred monies to correct the unexpected withdrawal that same day. However, Citizens applied a  XXXX $ fee to my account, sending it back into Insufficient status.I have tried mechanically to remove these, to no avail. I had a small XXXX deposit, but that was sucked up immediately. Ca n't do this any more. Can you Help. These withdrawals were not initiated by me, nor expected.
Wells Fargo added charges to my mortgage loan for things I should have not been charged for as I attempted to request assistance with payment problems over and over since XXXX. I was not given correct information for obtaining payment assistance until I started complaining to CFPB. Upon the first complaint, I was finally allowed to talk to a person to seek relief. Their response was the correct XXXX to complete their obligation and the lengthy time and hundreds of documents I uploaded, did nothing but increase my monthly amount due. I was given false information and the horrible treatment I received was deplorable. Each time I requested a modification to lower my payments, I was handed off to another set of people. During the process of trying to get assistance, I have had XXXX people who have indicated they were my " preservation specialist '', and each person always needed papers that I would submit and they would be wrong and they would loose them. The attached documents are for excess fees added to my account that include, but are not limited to : Property Inspections, Late Fees, Hazard Insurance, and Mortgage Insurance Payments. I requested help since XXXX. The attached are an addition to my XXXX complaint and are for XXXX and XXXX. The remainder of years will be submitted in blocks of 2 years to assist with making my complaints less complicated.
XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus XXXX, XXXX AND TRANSUNION.IT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached XXXX credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.
Date XXXX/XXXX/XXXX TRANSUNION In response to Consumer Bureau : XXXX To Whom It May Concern : This serves to notify you on the inaccurate information on my credit report as per your file. purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX N/A XXXX XXXX DEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company have not removed the negative item I have fax affidavit to show my identity was compromised XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX N/A XXXX XXXX DEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that your company is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit Its ashame that your company is using blunt tactic in falsifying me of my rights XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Back on XX/XX/XXXX I initially filed a claim against Greater Suburban Acceptance Corp with the Consumer Financial Protection Bureau due to this company not responding back to me and reporting inaccurate information on my credit report. Greater Suburban Acceptance Responded back on XX/XX/XXXX stating that they needed more time to address my issues and concerns, however on XXXX/XXXX/XXXX the Consumer Finance Protection Bureau responds back by stating " the company never responded back so they 're going to post my complaint and look into further investigations made about this company ''. Well after reviewing the documents that Greater Suburban Acceptance Corp provided to the Consumer Financial Protection Bureau. I noticed that I was n't ever presented with a 21-day redemption notice. In the state of Illinois you must provide a notice redemption notice. " No collateral - the lender may only repossess a car if it is listed as collateral for the loan. ... Insufficient notice of redemption - Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. '' Please find that this company has also listed this account as a bankruptcy account on XXXX and has listed the same item as being a closed bad debt of XXXX on XXXX. Acct number is XXXX also on XXXX it states that the account is open on XX/XX/XXXX and XXXX is stating that it was opened on XX/XX/XXXX also XXXX bureau is stating that it 's an auto loan but the other is stating an installment loan do n't know is that makes a difference or not. Just pointing out the inconsistency with this company. Please note that the last time you guys closed the case with this company because they failed to respond back to this government agency site, however they never seem to respond to you guys or myself but they make sure to respond to the credit bureaus all the time. Please find that I 've enclosed all information that validates my claim.
I have a XXXX BIG card and made my payment when I got paid, the payment posted on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received a warning email that I had not made a payment on the card and if I did not make a payment by XXXX/XXXX/2016 I would be assessed a late fee. I contacted the card company which seems to be Capital One and they stated that they close a cycle on the 3rd and do not count payments made previous to that as part of the payment cycle. This feels like a predatory practice designed to incur late fees and harm consumers that are on a fixed income.
After purchasing TransUnion 'XXXX-Bureau Report ' product ( {$29.00} ) on XXXX/XXXX/16 I noticed TWO dates of birth listed under 'Personal Information ', both of which are incorrect. Unable to 'verify my identity ' ( with my actual DOB or the one 's listed ) I was not able to file an online disputeAfter calling each of my creditor 's to confirm the inaccuracy was n't reported by them, I proceeded to call each bureau individually to request a correction. TransUnion, after XXXX minutes on hold, forwarded me to a standard customer service agent who, though clearly reading from a script, instructed that I send a copy of my BIRTH CERTIFICATE in order to correct their own error. Not only do I view a BC as a private document not to be widely shared ( particularly with a corporation that admittedly sells consumer data ), I feel such burden on a consumer to correct THEIR error is absurd. Results with calling XXXX were almost identical, with the customer service agent demanding I send a copy of my social security card, which virtually no corporation anywhere has a right to demand. XXXX complied with my request immediately. Common sense should dictate it 's IMPOSSIBLE to have two birthdays. Yet TransUnion and XXXX insist on leaving them both on my report, even though they can not confirm WHERE this misinformation came from. This- maintaining information known to be inaccurate, is a specific violation under the Fair Credit Reporting Act. All I want is my Date Of Birth to be reflected on my report and for the incorrect entries to be removed immediately.
I applied for a credit card art my local XXXX dealership. I was denied due to having a freeze on my report. Citicards only use XXXX for credit decisions. 

I have been blocked from taking advantage of 0 interest rates and extended time to pay.
I was notified of new delinquent accounts on my credit report, I checked into these delinquencies to find that it was two different collection agencies reporting the same debt for two different amounts ( {$2500.00} & {$980.00} ) as of XX/XX/2018. I am not aware of these debts and have only been contacted by one agency in regards to this debt and asked if they could send in debt validation, in which, I have not received.
I contacted this debt collector to disp [ ute the account and they have yet to validate the debt according to the mandatory processes provided by the FDCPA consumer protection law. They have failed to respond to my dispute within 30 days and have failed to note on my report that I have issued a dispute which is required the FDCPA Section 807 ( 8 ). They Are breaking the federal law and need to comply by removing the negative and erroneous information that is not in compliance to the reporting process of the FDCPA.
My boyfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX Apartments and Experian Credit Reporting.
My mortgage was handled by Green Tree Servicing and many if not all of the conditions stated in the XXXX XXXX, XXXX complaint occurred during the time ( 10+ years ) Green Tree was handling my account. Now it is Ditech continuing the same activities. Green Tree charged me the {$12.00} fee just about every month that I phoned in my payment, whether it was on time or late. I also paid insurance fees to them after being told that I had to have insurance on the home. I was laid off and unemployed from XX/XX/XXXX into XX/XX/XXXX and was constantly harassed and threatened with repossession by Green Tree representatives. 
Now Ditech is calling and threatening me with repossession if I am 2 weeks late with my payment. They have called my home 10 times in one day. Somehow they obtained my employers phone number and have called me there, even after I asked them to not call me at work. They obtained my daughter and her husbands phone numbers and have called them and left threatening messages. I 'd like to know if Green Tree ever actually paid out any of the XXXX dollar XX/XX/XXXX settlement, because I never recieved a dime from them.
I only have one student loan and Equifax is showing it four times with incorrect information. Three times as my loan is in deferment and one that I am past due. The past due is a duplicate account.
I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX  unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.
Central Business Funding is trying to collect a debt that I do not owe. Spoke with the rude office manager named XXXX XXXX making verbal threats about what type of person I am and I would be sent to a debt collection for {$2400.00}, that I have never made a payment .... This company is a scam and trying to use scare tactics against individuals. I will not be threatened by him or this company. I will not be paying a debt, I never started ....
Someone named " XXXX XXXX '' left a message on a family member 's voicemail saying there are two pending charges against me and threatening to arrest me. From this number : XXXX. PLEASE do something about this, it has been very scary and the fact that they contacted a family member is infuriating.
I contacted this agency and requested verification of the documents and even though the letter was signed for I have never received a reply from the letter mailed on XXXX/XXXX/XXXX.
As previously discussed and unaddressed in complaint # XXXX ... I've given feedback that the complaint was unresponsive and closed without meaningful addressing the issue ... 

The problem with the response : ( a ) I have a protected monetary interest in the money I'm owed and the CFPB stands by, impotent, to protect that interest. 

( b ) If I was a business and had a business bank acct, business address ... etc I would not have had the necessity to file a complaint. 

( c ) If PP cooperates with XXXX, a preferred payment option ... and XXXX allows me a limited opportunity to list and sell items as an individual, why must PP demand I set up a business and then CFPB stand by and allow this transgression. 

( d ) Lastly, and as confirmed in the company response ... if I do not conform to a business requirment that I am not ... My monetary interest will be returned and essentially work in concert to steal from me.
I contacted the bureau regarding a collection account that I do not believe I owe as it is from XXXX XXXX at a time when my husband and I were in XXXX. I asked for proof of where this random debt came from twice via certified letters once in around XXXX and I resubmitted a request for proof at the end of XXXX. It is currently XX/XX/18 and I have yet to see any documentation regarding this bill/collection account ( XXXX ) from the credit bureau or the collection agency.
Diversified Consultants is showing up on my credit report stating that it was in collections.

I have never been with Diversified Consultants. I later realized by researching that they were affiliated with XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to resolve this. 

XXXX XXXX XXXX informed me, that they had the wrong address on file and that they were completely at fault, my account was also paid in full. 

I have been struggling with this 1 mark on my credit report for years, and I just realized CFPB existed. 

I really would like to get this resolved, as the company gave me their word stating they would have it removed off of my credit report, and the account was paid long ago.
The account with The XXXX XXXX ( XXXX ) is not mine. It is someone else 's who added me to their account. I do not have a card nor have I ever used the credit. Therefore, any delay in the other person not paying their bill should not be added to my credit report.
A collection account appeared on my credit reports in XX/XX/2018. I sent Security Credit Services a letter on XX/XX/XXXX ( which they signed for on XX/XX/XXXX ), asking them who they were collecting for and that I would like to see validation of the debt they are reporting. They contacted credit bureaus of my dispute ( as I watched the dispute comments hit my reports ). But they FAILED to send me ANYTHING in reply to my request. They have seriously violated federal and state laws with their lack of response within the 30 days allowable by FDCPA, FCRA and Metro 2 compliance laws. ****ADDITIONALLY, THIS COMPANY IS REPORTING THAT I MADE PAYMENTS TO THEM IN XXXX AND XX/XX/2018. I MOST CERTAINLY DID NOT MAKE ANY PAYMENTS TO THEM. THEY ARE IN GRAVE VIOLATION OF MANY LAWS WITH THEIR INACCURATE, UNVERIFIABLE REPORTING. I am requesting that they immediately REMOVE this reporting from my credit reports and not sell to another collection company as they have not validated this debt.
On   XXXX   XXXX   XXXX    , I requested a credit line increase after confirming multiple times with two agents that the credit line increase would not result in a hard hit to my credit bureau. Soon after, I reviewed my  XXXX  report and noticed that a hard inquiry was in fact posted to my credit bureau. I then notified Comenity Bank  ( " Comenity  '' ) via telephone, explained the situation, and asked that they review the calls and my account to validate that they in fact stated this would not be a hard inquiry. The supervisor I spoke to informed me there was nothing he could do. I then wrote a letter to Comenity explaining the situation, and I received a response in Comenity that stated they reviewed my account and everything was correct, with no discussion of listening to the calls.   At this point, I notified the CFPB of my complaint and my situation. The CFPB then forwarded the complaint to the FDIC. The institution FINALLY conducted the research I requested several times and provided a response ( attached ) stating that the following occurred : - Bank associates incorrectly stated a hard inquiry would not occur ; - Several instances where a Bank associate did not address [ my ] concerns or adequately resolve this matter ; - Associate did not read the proper disclosure to [ me ] when they processed  [ m y ] request for a credit limit increase ; and - A request was sent to the credit reporting agencies to remove the inquiry from [ my ] credit file within 45 calendar days.   Comenity 's response was sent on   XXXX   XXXX   XXXX    , and the hard inquiry still appears on my credit bureau.   I recently contacted Comenity, and  XXXX   XXXX  notified me there is nothing further that he could do. Under the Fair Credit Reporting Act, they did not have permissible purpose or permission to access my credit bureau, and therefore, incorrectly posted a hard hit to my bureau report.
I have been receiving several harassing phone calls from a company called Element Global Services based out of New York State. Each phone caller leaves a voicemail threatening to have me arrested over a debt in which they will give me no information on. They have my social security number. When I ask for information or documents to support their claims against me, they do not provide any. They harass my place of employment and go as far to call relatives cellphone and landlines looking for me. I have documented phone calls with their threats verbatim.