WillisBack/dataset-financial-user-claim huggingface dataset:
I learned my drivers license was stolen. The spelling of my name have been changed in probate court. It is now XXXX XXXX XXXX-driver license number is ( XXXX ). The names I 've used in the past are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My XXXX XXXX XXXX account number at XXXX XXXX XXXX was XXXX. I purchased the property on XX/XX/XXXX. XXXX XXXX annexed in XX/XX/XXXX. I do n't know why the bill do n't show the account number when I purchased the home. Unless I have a victim all those years. I know the XXXX Family have always stole utilities. From XX/XX/XXXX-XX/XX/XXXX when I filed bankruptcy. My last employer was XXXX XXXX XXXX XXXX -from XX/XX/XXXX-XX/XX/XXXX the company EIN number is XXXX. Prior to XXXX XXXX I was employed with sisters restaurant. Their EIN number is XXXX. XXXX 's XXXX EIN number is XXXX. I was employed with XXXX XXXX in XX/XX/XXXX. The case numbers I 've had in wage earner court are XXXX XXXX & XXXX My history have been deleted from the courts by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My past addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN , XXXX XXXX XXXX XXXX TN . XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX Tn XXXX XXXX XXXX  XXXX TN XXXX. My mother social security number is XXXX she XXXX XXXX XX/XX/XXXX. Her name is XXXX XXXX XXXX. My father social security number is XXXX he XXXX XXXX on XX/XX/XXXX-his name is XXXX XXXX At. His social security appears to still be active. Sisters, brothers, their children grandchildren, XXXX XXXX and all are using the XXXX social security number. A fraud alert was placed on my credit report by Attorney XXXX XXXX without my knowledge for seven years.
XXXX   Closed Submitted Status Submitted to t he CFPB on  XXXX  ProductOther ( i.e. phone, health club, etc. ) IssueDebt is not m ine We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.         YOUR COMPLAINT  XXXX  has submitted alleged cable bill to  XXXX  collection companies for which I do not owe. I have never lived at the address for which I am being billed. I previously made this info available to the first collection agency in   XXXX   XXXX  . Additionally, I filed ID THEFT complaint with  XXXX  Police  Dept.,   notified  XXXX   XXXX   CREDIT RE PORTING AGENCY, AND IDENTITY THEFT.GOV Now, in   XXXX   XXXX   I am being asked to pay.              View full complain t Sent to compa ny Status Sent to compa ny on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.               Company responded  Status Company res ponded Closed with explanation on   XXXX   Response T ypeClosed with explanation Company 's respons e Re : IC  System Reference No :  XXXX  Account No :  XXXX  Your Credit Bureau Account No :  XXXX  Dear  XXXX   XXXX  : Thank you for contacting us. In an effort to close the account, our client,  XXXX , is requesting a fraud packet be completed and returned to them with a copy of the ID Theft complaint with  XXXX  Police  Dept. IC System h as ceased all collection activity on the account to allow time for the packet to be returned to  XXXX . Attached is the fraud packet. Sincerely, Consumer Affairs on behalf of IC  System, Inc. T oll Free No :  XXXX  This communication is from a debt collector same
I have just noticed that Synchrony credit card company who manages my XXXX Store card has been charging me a " Card Security '' charge without my consent. I will be calling them and requesting the 4 years of service I've had with the card and determine how much I've actually been charged and will be requesting a full refund. If they do not pay out the full refund I will  lawyer up and get a class action lawsuit started and would like your assistance in getting notifications out.
See case # XXXX. This is a revised letter. In the letter I had got XXXX XXXX XXXX crossed with XXXX XXXX XXXX. The Correct department is the XXXX XXXX XXXX. The revised letter indicates this as zI sent the wrong version.
I requested my credit score and paid a special reduced fee for providing the score from Experian. Later, when I found out they had charged me {$21.00} in addition to the {$1.00}, I called them to cancel the charge and the account they said I had opened. Their representatives made me wait a long time on the phone before I could even talk to someone, and even then I found no legitimate reason for the charge. They said it was for a monthly membership but I told them I was not interested in this service. But they said I could not cancel it even though it was the XXXX day of the month-long " service. '' I have no idea what service they are providing and would like my money back.
Disputed Account still remains on my report. Card was opened fraudulently. I had no knowledge of this account
on XX/XX/XXXX my husband and I short saled our house. We have not received the XXXX to do our taxes. I have emailed and my husband called on XX/XX/XXXX about this matter. I called today XX/XX/XXXX and was told by customer service that we will get it by XX/XX/XXXX We found out that our credit reports were all messed up because of Selene Financial. We could not get another loan and I could not get a job because of this. I am still trying to find a job. We have all documentation for credit reports to prove that Selene contacted and put addresses that we never lived at. I still have a lawyer on my credit report that should not be there.We should have received our XXXX in XXXX. They had plenty of time to do this. Thank You
XX/XX/XXXX contact Experian to request validation debt and as of today I have not received documents. 
XX/XX/XXXX sent certified letter tracking # XXXX XXXXXXXX XXXX {$2900.00} requesting validation letter. As of today XX/XX/XXXX I have not received document.
In XXXX we entered into a Deed in Lieu contract with our mortgager, XXXX XXXX XXXX after an unsuccessful attempt to sell our home in a short sale. After complying with all the requirements of the DIL contract, to include vacating our home, XXXX took possession of the property. In XXXX XXXX, XXXX transferred service of our loan to Selene Finance. At that time we were told that because we were in the final stages of the DIL process, it was just a matter of Selene Finance completing the process and recording the DIL with the county where the property is located. Almost 2 years later this has still not happened. I have contacted Selene Finance over 60 times in the past 22 months and have only been allowed to speak with the customer service rep who answers the phone. I have spoken to my single point of contact 3 or 4 times ( he has only returned my phone calls once ). Customer service told me back in XXXX XXXX that they had the signed DIL from XXXX on file. In XXXX XXXX I was told by Selene Finance Reps that it would take about 45 to 60 days to complete the DIL. In XXXX XXXX, Selene Customer reps told me it was the county holding up the process, they were just waiting for the recorded documents ( I contacted the County and they reported they had not received anything regarding a deed change on the property ). In XXXX of XXXX Selene reps informed me the DIL had been completed as of XXXX/XXXX/XXXX and we were no longer the property owners. Next Selene reps told me they were waiting for XXXX to submit the original documents to them. In XXXX XXXX I was told by Selene reps that the DIL had been accepted and completed on XXXX and we should be receiving a release of debt in the mail. In XXXX XXXX I get a call from them telling me I am in active foreclosure, but then they verify that we intend to continue with the DIL. I 'm then told the DIL was accepted as of XXXX/XXXX/XXXX and was sent to " claims '' and the property was considered real estate owned. Each time I call I am told the file is in claims, and they are just waiting for their lawyers to send us a release letter. But the Customer service reps assure me they will send an email to " escalate '' my file. When I request to speak to someone in claims I am told they do not take outside calls. I have also attempted to email the resolution despite dept. but it bounced back. I have sent written correspondence and in XXXX of this year I had an attorneys office send a letter on our behalf. Selene 's response was they were awaiting clear title and they would have the DIL sent for recording. When I last contacted Selene Finance on XXXX/XXXX/XXXX a manager told me that the DIL was sent off to the attorneys for recording on XXXX/XXXX/XXXX. As I have been told this numerous times in the past by Selene reps I have little faith that they will rectify this situation any time soon. Their unwillingness to proceed in a timely manner or to even contact me with information or questions concerning the loan has caused much hardship and anguish in my living situation.
Hi I tried to contact XXXX, XXXX and Experian. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this
I am a victim of trafficking for debt bondage for a debt that I did not benefit from. There is a instrument identified as XXXX XXXX XXXX that has been recorded without my authority and without the acquisition of XXXX XXXX XXXX XXXX, the holder in due course. I need XXXX XXXX XXXX XXXX and its successor Ocwen Loan Servicing to provide information regarding its involvement in which has transacted business without my authority. ( See Attachment Trust Deed ) History XXXX XXXX XXXX XXXX ( acquired by Ocwen Loan Servicing, llc sometime in 2011 ) recorded a Trust Deed Document # XXXX XXXX which purports it was the attorney in fact for XXXX. 

Question # 1 : Was XXXX the attorney in fact for XXXX? If yes, inform me as to how XXXX obtained the account? i.e. : XXXX purchased an asset? AND from whom? i.e. XXXX XXXX and XXXX, XXXX XXXX ( a holdings company ) a private party, private broker or other? 

Question # 2 What is the exact description of the property involved? e.g. real estate immovable, land and building property OR tangible personal property? ( vessel, furniture, fixtures, tools, machinery, household appliances, signs, equipment, leasehold improvements,  supplies, leased equipment, and any other equipment ).
My loan is currently serviced by Ocwen Loan Servicing. Ocwen Loan Servicing has failed and refused to act on my request for reinstatement and payoff quotes. The request was made to Ocwen Loan Servicing on XXXX XXXX, 2015. I tried to make contact with Ocwen Loan Servicing numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Ocwen Loan Servicing advised me to contact their law firm XXXX, XXXX XXXX XXXX, XXXXThat law firm can not talk to a represented client. So the bank advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. This is just another example of Ocwen Loan Servicing stonewalling and not complying with the national mortgage settlement. 

My loan number is XXXX state of Florida , County of XXXX case number is XXXX
These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Accounts " XXXX XXXX '' ( 2 ). Satisfactory Accounts " XXXX XXXX / XXXX XXXX '' the account was closed in XXXX however the company did not post it CLOSED until XXXX the Credit Companies are reporting an ok Rating from XXXX thru XXXX. This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.
I purchase a car for XXXX dollars with XXXX dollars down payment the remaining balance XXXX dollars in XX/XX/2015 the car is a used XXXX.I bought the car from a local used car dealer shop. he sold the account to Nicholas Financial.INC XXXX XXXX FL.XXXX now they say my pay off balance is XXXX dollar and more please help me.
Tried to Make an arrangement to pay {$15.00} a month until debt was paid off
XX/XX/2018 received letter from Citibank with credit card also separate envelope with pin number Letter states I requested Citibank to open an account. I DID NOT. Immediately called, took over XXXX minutes to reach a live person. Told to call back on Monday, on Monday was referred to identity theft agency, they referred me here
PayPal XXXX trying to collect a debt of {$210.00} on an account that is not mine and opened in the year 2000 when I was a minor and I was not able to open an account. 
My current PayPal account under the address XXXXXXXXXXXX has been suspended due to PayPal stating that they found another account ( XXXXXXXXXXXX XXXX that they feel is linked to mine and they need to collect a debt of {$210.00}. I contacted PayPal and was told the account was opened in the year 2000 and the home address they said the account was opened under does not match any address that I have ever used. I made the customer service rep aware that in the year 2000 I was still a minor and had no way of opening the account in question. Also my social security card was stolen around that time and I had multiple accounts opened in my name by someone that was NOT me. This service rep told me to call back next week after an investigation was to be done and upon calling back the following week I was told the debt was determined to be mine but with no explanation or proof. I asked would I be sent a copy of the investigation report and was told no. I asked what could I send in to prove the debt was not mine and I was told, " prove you were a victim of identity theft. '' When I asked what type of documents I needed to send in I was met with the same answer but no specifics on what documents were needed to prove that the debt in question was not mine. I would just like this issue resolved with proper documentation if they truly investigated the account. 
Account ID : XXXX - XXXX
Since XX/XX/2017, an entity called XXXX have been withdrawing {$19.00} from my bank account. I have no knowledge or any transactions with this entity. I have tried getting my bank to stop this but they claim they can not since XXXX has my account number. 

I have called the number attached to the withdrawals ( XXXX ) but I get an answering service which claims I am not in their system after giving them all my information ( name and account number ) and so they can not answer even my basic questions like what is XXXX ( Is it a bank or an organization, and where is it based ). 

I have not gotten anything from XXXX -- no reports or communication. 

What hurts me the most is when my Social Security check is delayed and I dont have enough funds in my bank account, I get an overcharge fee XXXX XXXX XXXX- when XXXX withdraws. This has happened many times, so I have many times a negative balance showing. 

Please help me stop this scam. 

Thanks.
I have been a victim of identity theft for several years. Around XX/XX/XXXX, Department of Revenue sent me a bill of {$700.00}, which is supposedly a loan debt, which I did not recognize. In contacted IRS, filled out dispute form, and they fixed issue and told me I no longer owed that amount. I received a loan debt of {$700.00} from XXXX XXXX, XXXX on XX/XX/XXXX, under an account opened in my name. This creditor states that this account was opened XX/XX/XXXX and the original creditor is XXXX XXXX XXXX XXXX. I filed a police report and sent a letter of dispute. Then the debt collector notified me by mail, XX/XX/XXXX, stating that they have ceased collection activities and have closed my account back to the current creditor ( XXXX XXXX ). Then on XX/XX/XXXX, this debt collector sends me another letter stating that I owe {$700.00}, because there is insufficient information to support my claim that this is a fraudulent account. I went through the steps with Federal Trade Commission, set up an account, and filed another police report. On XX/XX/XXXX, I receive another letter from this debt collector saying that I can resolve this account for significantly less than the balance of {$700.00}. They gave me the options of making one payment of 40 % of the balance, making 6 payments of 50 % of the balance, or 18 payments of 60 % of the balance. I refuse to make any payments on an account I didn't even open.
On XXXX report dated XXXX/XXXX/XXXX Midland Funding LLC has post an account XXXX in collections for {$790.00} due XXXX XXXX XXXX I do not have or have had such an account. The only XXXX account I ever have had and it is paid as of XXXX/XXXX/XXXX account XXXX and the limit was {$650.00} and this was closed after paid in full. I assume that this business is making accounts to collect from individuals. I called XXXX and gave them the information I have from the credit report and no information was available and they requested my social security number and because I do n't know this business I refused. I request this Midland Funding remove the fraud information from my credit report. I have filed a complaint with the credit reporting service. I do not owe this business, company or any one related to such nor XXXX. Request Midland Funding , LLC remove the information from all credit reporting services. 

Request this business send the original copy of the contract with my signature, date opened, original limit, list of payments and the mailing address ( s ) on record. This copy must have the return address of the business name and the address for acceptance. 

I assume I will have to file a small claims action to have this business explain how they accessed my credit report and how they came up with a fake account listing XXXX. The listing reference this business is a Debt Buyer whatever this may be. 

I DO NOT OWN THIS MIDLAND FUNDING , LLC OR CITBANK ANY MONIES AND HAVE NO OPEN ACCOUNTS AND REQUEST THIS BUSINESS STOP CONTACTING ME NOW OR IN THE FUTURE AND REMOVE THE INFORMATION FROM THE CREDIT REPORTING SERVICES.
So after spending hours on the phone weeks ago because of a lock on my credit and told to fax my social card and drivers license in to remove it I did.. Then I was told EQUIFAX removed my name from my social. So I was then told weeks ago the lock was removed and all was fine. So I then went to my bank to get a loan and they did pull my credit. So I am thinking my credit is unlocked. WRONG! My Social number pulled up my dads info!!! We have the same name but I 'm a XXXX and he is a XXXX We live at the same address but my birthday is XXXX/XXXX/XXXX and his is XXXX/XXXX/XXXX! So how does my social now pull up his?! So I called personal solutions and they pulled up my dads credit with MY social. They said I need to merge it and sent me to the " mixed department ''. When I got there they pulled up my credit that is MINE and MINE only just to tell me there is still a lock on it! I said well when the bank and personal solutions department brought my credit up with my name of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX SC XXXX it brings up my dad. Well the " mixed department '' said they do n't see my dads but only mine. REALLY?! Also then I was hung up on by a " XXXX ''. I then called back and she was still NO HELP! How can ONE company with SO many departments bring up different credit reports on me but each department say I only have XXXX credit report and do n't know what to do about it???!!! I was then told to ONCE again fax my SS card and Drivers license and wait ANOTHER 48 business hours. 

My credit ONLY active accounts I have is a XXXX XXXX credit card with a {$4000.00} limit and a XXXX credit card with a {$7000.00} limit. THATS IT!!! Now if you look up my credit and if it has a mortage thru XXXX XXXX XX/XX/XXXX and a XXXX XXXX XXXX credit card from XX/XX/XXXX and a car loan thru a credit union in XX/XX/XXXX. THATS MY DADS NOT MINE! ..
I purchased a XXXX Chrysler 200 the next day I called the dealership stating the problems I was having with the car on the way home. They could n't check the car for at least a week, long story short after XXXX dealship checkups and at least XXXX upgrades on the car I filed a lemon law case in XXXX 2014, I was told by Chase finance after I had made XXXX months of on time payments to stop making payments since a lemon Law case was filed. In XX/XX/XXXX I offered to surrender the car back to the dealership but Chase said " no '', but XX/XX/XXXX Chase came for the car. We are waiting to settle with XXXX since in arbitration the car was considered to be " yellow ''. I surrendered to the car to Chase it " was not repossessed ", however Chase wo n't remove it from my credit.
I called customer service several times to inquire about an account that I see on my credit. When calling I have spoke with several different agents and supervisors. They have all told me that they can not find my account in their system. I have asked to have the account removed from my credit report due to the fact that they can not find any information in their system in regards to my social security number and name and they are refusing to do so. I have also asked for them to send me written validation of this debt and they have not done so. I have spoken to XXXX XXXX and XXXX who is the supervisor.