WillisBack/dataset-financial-user-claim huggingface dataset:
This is XXXX of over XXXX cases that I have opened or filed with various legal organizations including the XXXX, XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX Attorney, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Attorney, XXXX XXXX XXXX XXXX XXXX 'XXXX Prosecuting Attorney, XXXX XXXX 's XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Police Department, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 's Police Department, FBI, XXXX Police and the XXXX. 

Case Status Submitted to the XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, ID XXXX On XXXX/XXXX/XXXX, received feedback from the XXXX, ID XXXX On XXXX/XXXX/XXXX reported to the XXXX On XXXX/XXXX/XXXX reported to the XXXX ; their response, posted below, was received on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, submitted to the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau. 

Case : 1. Fraud Case Description 1. Fraud. I am a XXXX person living in XXXX. This past XXXX, due to my inability to make payments, I contacted Capital One 's customer support team to close my account, card number XXXX XXXX XXXX XXXX. After " closing '' my account I requested email confirmation of account closure, which they refused to provide. I asked to speak with their staff 's supervisor who also refused to send me an email confirming that my account was closed. I believe that they record these conversations. 

XXXX, I contacted their customer support team again, this time via chat, pasted below and attached. They confirmed that my account had been closed. 

Today, I checked my account online and discovered that my account is not closed but suspended and that Capital One is charging me over 22 % interest. 

Last week I contacted their support team again asking for a customer service email address that I could use to contact them. They never replied to my request.
The issue is the Equifa  x Information Sefvices LLC is reporting that I am deceased.
My father and I shared the same name and he is now deceased and now it is affecting me because reports are claiming that I am also dece  ased.
Citi B ank advertised in  XXXX   XXXX  that it will give {$400.00} bonus to a customer who deposits {$15000.00} into a new  Citi B ank checking account. The bonus will be rewarded within 90 days. I opened a checking account with  Citi i n  XXXX , deposited {$15000.00} on  XXXX   XXXX ,  XXXX . The bonus is supposed to be deposited into my account on  XXXX   XXXX ,  XXXX . I called the bank many times but as of today,  XXXX   XXXX ,  XXXX , the bonus {$400.00} was not there yet. Because I have to work as an   XXXX  for  an   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , I do n't have time to follow up on this matter. I happened to know th at Citi B ank has done the same for many others until the customers complained to CFPB, then it turned around to say they could not verify customer account, but after a few days they went ahead to pay.     M y Citi  account number is  XXXX .
Western union agent at XXXX XXXX in XXXX ma, XXXX, refused to serve me, a XXXX resident.
Under my XXXX, I received a hard inquiry from XXXX, or 'XXXX XXXX XXXX XXXX ' on XX/XX/XXXX There was no address included and I have no idea where that came from. I suspect that it could be potential fraud or identity theft. 

Under TransUnion, I received two hard inquiries from XXXX named 'XXXX ' onXX/XX/XXXX,  and another from XXXX named 'XXXX XXXX XXXX ' onXX/XX/XXXX. Again, no familiarity with these two. 

From what I recall, I opened several credit card accounts back in XX/XX/XXXX and XX/XX/XXXX, closing one with XXXX XXXX because I did not want to use it.
XXXX, XXXX XXXX ... XXXX of XXXX XXXX, XXXX XXXX. Telephone : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify AFNI, INC. XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX
Dear to whom this may concern, I have two false accounts that do not belong to me and need to be taking off my XXXX  account immediately please. 

1. XXXX XXXXXXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX Both of the accounts are on a closed status.These do not belong to me. This is effecting my credit tremendously and needs to be dealt with as soon as possible please. 



Thank you so much!
For the past two years, I have been trying to get items that do not belong to me removed off of my XXXX and Experian credit reports. With Experian, in order to dispute items on my report, I have to go through the process of contacting their customer service center in order to get rid of items that do not belong to me, but when the results come back, these items most times would never disappear, and it they do disappear, they would reappear within a month or so. With XXXX, I would have to dispute the items that do not belong to me through XXXX XXXX, but recently, when I choose to dispute these items, I am rerouted to XXXX 's website, where they ask for my personal information. Once I enter in the personal information, then I'm asked a series of questions that pertain to accounts that I may or may not have. Once those questions are answered, the window would state that XXXX  is unable to process my request at this time, and I'm unable to check previous dispute results because of the same reason. XXXX and Experian are making my life a living XXXX with keeping items on my credit reports that are not mine as well as OLD items ( 10 years old or older ) on my credit reports that are not mine. On the Experian report, there's an item that does not belong to me that appears TWICE on the report. I need for these items that do not belong to me to be removed once and for all.
Credit Control , LLC initiated an illegal and unauthorized inquiry upon my credit report. I have never done business with Credit Control , LLC and have never authorized them to access my credit report - let alone give them any personal information. The erroneous request occurred on XX/XX/2017 by CREDIT CONTROL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX. 

I am asking Credit Control , LLC verify why they conducted this inquiry, provide authorization ( if any ) showing why they were allowed to access my personal information, and provide me with their records concerning any debts, account openings, or financial transactions that gave them a legitimate business reason to, as required by the FCPA, to access my credit report. 

Finally, please immediately remove the inquiry and provide the requested documents ( if any ).
I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one.  Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 

Account NameXXXX/XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX Balance {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX -- - captured screen shot applied amex spg credit card for XXXX bonus points offer and instant approved ( earn XXXX bonus starpoints after use my new card to make {$3000.00} in purchases within 3 months and an extra XXXX bonus starpoints after make an additional {$2000.00} in purchases within the first 6 months ) XX/XX/XXXX -- - captures screen shot confirmed my XXXX bonus points offer XX/XX/XXXX I already paid over {$5000.00} but i did n't get any points.
so i contact chat and call many times.
- XXXX : chat ( XX/XX/XXXX ) tells " points will post to my account '' - XXXX : chat ( XX/XX/XXXX ) investigation case number XXXX - XXXX ( ID XXXX ) : call ( XX/XX/XXXX ) tells " do n't worry, points will post to my account on XX/XX/XXXX '' now i really can not understand this issue.
because, spg XXXX reward bonus point offer goes all year round.
so i have to receive at least XXXXpoints!
but i did n't get any points. ( XXXX point )
I made two payments that were never credited to my account. The first payment for {$3000.00} cleared my bank on XX/XX/2018. Amerihome never credited my account but instead returned {$3000.00} to my bank account on XX/XX/2018 [ note I made two payments in XXXX when I learned they returned the funds. ] The second payment I made was {$3000.00} pay-by-phone with an Amerihome representative on XX/XX/2018 confirmation # XXXX cleared my bank account XX/XX/2018 online trace number XXXX XXXX XXXX XXXX XXXX. Amerihome never credited my account for this payment. I've called Amerihome numerous times and talked with many of their representatives to resolve this. I've sent pages of documents to prove the payments and I've conferenced several representatives from my bank with Amerihome representatives to verify these transactions. All of my efforts to date are unsuccessful. Amerihome has reported me late to the credit bureaus for months ruining my credit. It is important they recognize their mistakes and reverse the credit reports.
I got financed by DUVERA finance also known as easy pay for XXXX dollars so I could buy my kids a puppy. The pet store clerk was misleading about the interest rate and when i advised i was XXXX military he assured me that would be handled appropriately. ( i should have verified before i signed the contract ) I am now paying 189 % interest on my loan. When I called duvera they were rude and said that they do not have to lower my interest rate at all and they based it all on a loop hole. The woman i spoke to said SCRA didnt apply in my case and went on about a bunch of different contracts. She even laughed and said to go ahead and speak to my legal office because they dont care im XXXX and they know the law. I paid XXXX on my loan and only XXXX has actually gone to pay off my dog. They threw a bunch of legal jargon at me that I did n't understand which was probably to confuse me and it did. I called to see what it would cost to pay off the loan next month and they gave me a balance of XXXX dollars. I am so upset with this company. I am a single mom of XXXX who is XXXX and I feel like I have been scammed and taken advantage of.
The problem I am having, is I pay every month but my balance and monthly payments aren't going down. These are student private loans, and because of their % rates & late fees, i'm not going to get these paid off. There should be better practices with these high interest rates and late fees, especially when you are making my monthly payments. 
Here is an example of the interest rates, late fees, and the monthly payments I've made in the last two years. Navient has too many hidden rates and fees.
Diversified Consultants Inc. ( DCI ) pilfered my rights as a consumer as a result of not following the laws of FDCPA. DCI did not provide proper notification ( a dunning letter ) to allow me the right to dispute the validity of this supposed debt ( they claim I owe DCI ) before reporting this account to my credit report on XX/XX/XXXX ( according to my credit report review ). DCI has not provided proof that a dunning letter was sent and received before reporting this account on my credit report, despite my current and permanent address being accessible from my credit report. 

Upon my own request ( following a credit report review ) after my consumer rights have already been violated, I requested debt validation from DCI in XX/XX/XXXX. Diversified Consultants Inc. has not provided the proper documentation that illustrates I am financially obligated to pay Diversified Consultants Inc . I have attached the documentation that was provided to me that does n't have accurate information in regards to my personal information ( my residence during that time frame ). Furthermore, this documentation shows no financial obligation on my part to Diversified Consultants , Inc . This documentation has no evidence that ties me to this debt or DCI besides my printed name. The documentation they have provided is not adequate debt validation.
I filed disputes with  XXXX . They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation w ithin 30 days  or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All   XXXX   did was send me a response saying the accounts were n't reporting which they are.         XXXX   - A medical bill with an account number listed of  XXXX  and {$490.00} balance, A medical bill of {$81.00} with an account number listed of  XXXX , A medical bill with an account number listed of  XXXX  for {$57.00}, A medical bill with account number of  XXXX  for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also  XXXX   XXXX .     I also filed disputes with   XXXX   and TransUnion they have not responded to my request for proof of investigation which was over  52 days  ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with  XXXX . I am following up with this complaint in hopes that they really do an investigation this time.       XXXX   -   XXXX   XXXX   XXXX   and  XXXX   XXXX  TransUnion -   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX ,   XXXX   I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in  30 days. Tha nks.
XXXX Mortgage has refused to updated or delete my delinquent status of my Home Mortgage Loan, for approximately 18 months. I paid off my home 2 months ago, the total balance, and I have requested updates from XXXX, but to my surprise I have yet to see any progress in this. It is negatively affecting my credit score, and I am in the process of submitting a loan application with the XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX which will provide me the capital needed to expand my business. I plan on opening my second jewelry store in XXXX of this year, and I desparately need to clean my credit by XXXX XXXX. Any help on this would be greatly appreciated.
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims  credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX
In XXXX, a thief opened a fraudulent MACYS/DSNB account ( XXXX ) in my name. I identified the issue on XX/XX/XXXX, by running a credit check on myself and noticing a credit inquiry from MACYS/XXXX, and then calling Macy 's directly to confirm an account was opened. Upon speaking to a representative in Macy 's fraud department, I notified them the account was opened fraudulently. The representative indicated that the account would be marked as fraud. A Police Report with the XXXX Police ( XXXX ) was filed, in addition to an FTC Identify Theft Report ( XXXX ). 

On XX/XX/XXXX, Macys sent me a letter thanking me for my inquiry, and asked to complete an identity theft form, in addition to providing one form of identification. The form was completed and supporting information provided immediately. 

On XX/XX/XXXX, MACYS/DSNB notified Credit Reporting Agencies that I was delinquent on payments associated to my account. These delinquent payment statements are now showing up on at least XXXX ( XXXX ) of the XXXX CRA reports. In accordance to the Federal Trade Commission 's " Notice to Furnisher of Information : Obligations of Furnishers under the FCRA '', when MACYS/DSBN receives information like this with an Identify Theft Report, it must stop reporting inaccurate and/or fraudulent debts to CRAs. It is also the duty of the furnisher of information to correct and update information. 

Upon speaking to a supervisor ( XXXX, Employee ID XXXX ) within Macy 's Fraud Department on XX/XX/XXXX, Macy 's has internally marked the account as fraudulent, but not formally closed the investigation. The employee indicated it will take up to 90 days for Macys to close the investigation. This employee also told me that reporting information to the CRAs was following their standard procedures and was unable to help me at this time. 
In summary, MACYS/DSNB is negatively impacting my standing with CRAs. They are also out of compliance with the responsibilities defined in the FTC 's Notice to Furnishers of Information in the following ways : - Providing CRAs inaccurate information after consumer notified them of identity theft - Not completing an investigation within 30 days
Inaccurate wrong and hurtful information being reported by this company to the credit reporting agencies. i do not have nor have i gotten any form of communication from this company in regards to them reporting negative information on my credit report to the XXXX credit bureaus. which i find that to be a violation of the FCRA laws. at this point no communication is warranted as damage has been done. I would like for them to validate with original signatures and contracts they have along with payments and amounts due pertaining to alleged debt. if validation can not be provided i demand the negative reporting be removed from XXXX, XXXX and XXXX immediately if validation is found i have the right to have all findings sent to me within XXXX days of the findings. I demand XXXX days to respond which is not likely as there no contractual validations.
The alleged Bankruptcies were not filed by myself and do not belong to me. I have disputed this with the credit bureaus and I also supplied a letter from the Bankruptcy Court stating they don't report to the bureaus.
This is the last word that I have for JP Morgan because I no longer work for XXXX. Also I will not talk to any women who work for JP Morgan because a XXXX there in the executive department had her phone recording up so high nothing made sense when she was talking and another lady there in the executive department transferred me anywhere with-in the bank because she did not want to answer my questions, a lady named XXXX XXXX argued with me for a month in XX/XX/2018 about a case that was closed already in XX/XX/2018 and XXXX was before her, and now you request that I speak to a XXXX ( are you crazy )! XXXX is known to be a underhanded-cut thoat company and their employees and that is why they picked J P Morgan Chase Bank. Please see all the attachments -they will show you how much funds XXXX gave you all for me, and the funds I sent personally- which adds up to be well over- balance amount of funding, and that is before I added my {$3000.00} J P Morgan owes me any credit funds $ XXXX-that are left. Have you checked the person who has been changing JP Morgan 's auto machine?
I have received by mail a document which seems very peculiar ( attached ). I need your confirmation if this is a true case or a kind of phishing.