WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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 # 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 {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX DELINQ XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX 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 XXXX/XXXX/1981 XXXX XXXX F, XXXX XXXX, XXXX XXXX
I currently hold a Mortgage with Ditech financial and rec 'd notification in XXXX 2016 that they have not paid my Property taxes. The property taxes were 6 months past due, When I called Ditech to follow up with them they told me they would start researching. I followed up about a month later and nothing had been done, They immediately began working on it and sent out tax payment to the assessors office. In Ditech 's error.. They sent a second payment a week later ( Causing an escrow shortage in my account ) I notified Ditech again regarding the error because I now have rec 'd a notification stating my Mortgage payment was increasing due to the impound shortage. This has been going on for almost 3 months now unresolved. I would like Ditech to credit back the funds to my escrow account they sent in error and verify and confirm that my payment remains unchanged. I escrow account is correct and there should be no payment increase once they credit back the overpayment they sent in error. Ditech will not put a supervisor on the phone, They state they are to busy and they just keep pushing me off to representatives, Tax dept ect, I am fed up at this point and am requesting assistance.
XXXX XXXX XXXX sold my account to XXXX XXXX with full knowledge that fraudulent charges had occurred. 
back in 2015 I notified XXXX XXXX XXXX of unauthorized charges that I did not recognize on my billing statement. my card was shut down for protection and a claim was opened for this and a new card was mailed out. 
I never received a new card, no communication that an investigation was conducted or the result of said findings. I did notice only 3 small charges were credited on the statement. I continued to question procedures and further dispute. I was ignored and was continually pursued for charges that I am not responsible for. I refused to pay as I am not legally liable. XXXX XXXX then insisted that I owe them and charged off the account and sold it to a collection agency who has ruined my credit. after filing a dispute with the credit bureaus both XXXX XXXX and XXXX verified the data. XXXX XXXX has not supplied any records to me but XXXX XXXX continues to call me regarding the balance when they no longer have the account. its too late to request new investigation. XXXX does not have all the records.
XXXX just sold my account to a collection ( Afni ) and I have been make payments XXXX. Since afni have gotten the account they have been calling me several times a day even after I told them to cease calling me. They have been attempt to force me to set up payment arrangements with the. And I have told them I will not pay them bc XXXX is the company I have the contract with.
On XX/XX/18 I went into the Bank of America located at XXXX XXXX XXXX XXXX XXXX, Ca. After completing one transaction the teller told me that he could not take my cash deposit due to multiple transactions. He instructed me to use the ATM machine located inside of the branch. I proceeded as directed and made a {$2600.00} ATM cash deposit. On XX/XX/18 I noticed {$1900.00} debited from my account so I went to the Branch and the Manager said he could not help me and I needed to file a claim. I called BofA claims department ( XXXX ) XXXX. The representative started a claim for me and I saw a return of the {$1900.00} into my account. On XX/XX/18 the {$1900.00} was again debited from my account and I called BofA Claims Dept again. I was transferred to XXXX XXXX ( would not provide last name ) and she told me they were not going to return my money to the account.
To whom it may concern I XXXX XXXX XXXX XXXX is very very upset, that chase has temporarily shut my debit card down and I ca n't access my own money to make payments I have automated payments that where already schedule to come out of my checking account but I have no funds because they froze it it 's been 2 days and chase is still thinking that I had stolen that personal check. That check was given by a friend that I consider my own family and I do n't seem was the issue with it it has already process and the balance is there already but they are not letting me use my debit card or bank account until they verify that the check was really given to me by XXXX XXXX this is very frustrating I never been treated like this like a thief and humiliated by chase. They stated that it 's their job and that they need time to verify that check. I do n't have time it 's obvious that if he gave me a check and I deposited thru the atm machine. This is a humiliation to me it 's the first time this happens to me and I feel anger and humiliated, rejected, I 'm thinking about closing my account because of this unprofessional matter, I am in debt and there will be fees assess by me not giving my payment on time, such as late fees and more. I do n't have to pay this late fees it 's chase fault for taking long and for thinking that I am a thief and that I stole that check
I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with XXXX XXXX XXXX ending XXXX using my checking account at XXXX XXXX XXXX ending XXXX, the payment was not applied correctly and I have been calling many times in order XXXX  XXXX XXXX make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, XXXX  XXXX XXXX is reporting negative information to credit bureaus hurting my credit scores. XXXX XXXX XXXX did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.
The alleged debt is well over 12 years old or more. We believe the debt was discharged in a bankruptcy but if not, was most definitely written off at least that long ago. We had not heard from XXXX : XXXX XXXX or the alleged current creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX for over 11 years and suddenly in XX/XX/XXXX we got a notice from a collection company about the alleged debt seeking a settlement offer. At the bottom of this notice it said " because of the age of your debt you can not be sued for it and it can not be reported to credit reporting agency. '' When we talked to a paralegal friend we were told that if we submit any kind of response whatsoever, it will permit them to reinstate the claim on our credit record and have another 6 years to try to collect it. Therefore, we did not respond despite getting a new notice every few months. In XX/XX/XXXX we got a notice from a new collection company for the same alleged debt seeking to collect this alleged debt. On their statement was included the same information stating that due to the age of our debt we can not be sued and it can not be reported against us. And that making a partial payment will allow them to report back to our credit and reopen the account. Again we did not respond. Now today, XX/XX/XXXX we got a letter from yet another collection agency on this alleged debt threatening to sue and accusing of being is severe default on the account. No where on this new letter does it say we can not be sued due to the age of this debt. We have reason to believe that XXXX XXXX XXXX has reported this against our credit now and has illegally invoked collection practices on an account that was written off or filed in a bankruptcy over 12 years ago. The law states if we submit a claim denying we owe the account or anything that will cause the collection company to have to verify the company can then start the 6 years over and sue us for the debt. So we do not know how to resolve this without having this debt reinstated.
I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX XXXX has reported incorrect information that I owe the amount {$900.00}, I have sent a notice of state and federal validation of debt.
Webster Bank in their Marketing Brochure offered a 1.25 % rate to open a new Premier Savings account. With a XXXX deposit by XX/XX/XXXX. I would earn this rate up to balances of XXXX until XX/XX/XXXX. They refused to open this account for me saying that I already have and account ( s ) with their bank which I did but closed all them. 
Under Premier Savings 1.25 % offer paragraph on the back of the Marketing Brochure it says nothing about having to be a brand new customer to take advantage of this offer.
Their is errors on my credit report that I did not validate or authorize. These accounts/inquires below need to be removed immediately because they do not belong to me. 

REMOVE COLLECTIONS : XXXX XXXX - XXXX - {$260.00} XXXX XXXX XXXX XXXX - XXXX - {$710.00} REMOVE INQUIRES : XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX XXXX/XXXX XXXX/XX/XX/XXXX XXXX/XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX  XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
As of XX/XX/18 I am writing to get help about Carrington Mortgage company sending threatening letters of foreclosure when I have all of my receipts. My attorney has called and we spoke to them on conference. Yet they are still sending threatening letters of foreclosure. I am writing to you to contact them to resolve this issue as I am going to speak with a judge to assist. They have breached their contract and this must stop today.
I noticed a negative entry on my credit reports which was reported by Receivable Management Services, XXXX. regarding an alleged debt of {$78.00} owed to XXXX XXXX XXXX. I disputed the information with the three major credit Bureaus and Receivable Management Services on XX/XX/2018. The three major credit bureaus did not respond to my request for investigation, nor did Receivable Management respond to my debt validation request. I called XXXX and spoke to a representative who said she saw on the account that there was no balance. I was also able to locate a statement from XXXX showing that this amount was paid and was sent to collections by mistake. We did not owe this amount to begin with because our policy cancelled and we were not covered during the time in which this charge was assessed for. Under Arkansas code, the state in which we lived in at the time, " Consumers shall not be charged for services for which they did not receive. '' We were not covered during this time and we do not owe the balance claimed. It was by mistake that it was sent to collections and this collection agency has been willfully non-compliant with my request per the Fair Debt Collections Practices Act. This entry has been previously removed by the credit bureaus in the past due to a lack of production of documents verifying the validity of this information. A formal dispute has recently been filed under Section 623 of the Fair Credit Reporting Act with XXXX XXXX, as well as a Creditor Declaration and Request for Production of Documents, to investigate the accuracy of the records for this account and to substantiate the collection agency 's claim of a right to report this information.
Please REMOVE the reported non-compliant claim from the data furnisher of XXXX & XXXX XXXX XXXX for account # NO ACCOUNT NUMBER, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # NO ACCOUNT NUMBER lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to  10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Equifax is reporting a chapter  XXXX  bankruptcy that was dismissed because I was not informed that the chapter  XXXX  could not be discharged, when I discovered this information I had the  BK  dismissed and paid the creditors I have been working on improving my credit and they will not remove this information
On XX/XX/XXXX I made a payment of {$20000.00} on my mortgage. Clearly written on the check was " Extra to principal ''. This should have resulted in {$890.00} for the XX/XX/XXXX payment, and a {$19000.00} principal payment. Selene Finance did not do that. They took the XX/XX/XXXX payment, then took a XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment, each at {$890.00}, then applied {$16000.00} to the principal. I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they say the issue will be fixed, but have yet to fix it. My requests to speak to someone else have been denied. I keep speaking to the same " manager ''  who tells me it will be fixed, but refuses to tell me when or provide me with the name and number of someone who can fix the problem.
I contacted them by email to stop ACH and they said they couldn't without a different payment source. The interest rate is over 400 % and they won't let me set up arrangements.
I opened a credit card with Bank of America XXXX XXXX, XXXX. I had an active auto pay with Bank of America on another card. 
I requested to have auto pay added to my card on XXXX XXXX, XXXX, submitted the form by mail, BofA did not process this, I requested another auto pay form on XXXX XXXX, and kept fax confirmation after sending it to XXXX. 
I called back after receiving my statement in XXXX not showing active auto pay, so I submitted a third auto pay form on XXXX XXXX. 
Bank of America sent a letter acknowledging receipt of the auto pay and successful processing on XXXX XXXX, then failed to process my payments for XXXX XXXX and XXXX XXXX, then reported me as 30 days late. I 've tried to resolve this directly with BofA to no resolution.
I requested a XXXX month payment history and it has not been processed yet. I am refinancing my loan through a VA lender and they required the information by XXXX XXXX. The request was made XXXX XXXX
I have a student loan that is a duplicate account. There are late payments in which i was never late on the reported days. Student loans has failed to respond within the 30 day period and did not provide me with no proof for the incorrect information
I have tried several attempts to resolve this issue with Santander. Santander seems to be overlooking several aspects of my claim. As of today XX/XX/XXXX I have received the tittle to my XXXX XXXX, however have not received any additional funds that were overpaid. Santander overcharged me thousands of dollars, repossessed my car illegally and continue to overlook the situation. If this is not resolved and the money is not refunded, I will have no choice but to pursue further legal action against Santander for Consumer Fraud. 1. On XX/XX/XXXX- The principal owed on the account was XXXX XXXX. ( see attached letter confirming ) the original payment amount was {$380.00} not {$380.00} per the documentation provided by Santander, again a clear sign of consumer fraud. 2. On XX/XX/XXXX the loan was modified based on a balance that was grossly overstated - the modification stated that the Principal balance was {$18000.00} ( see attached letter ) On XX/XX/XXXX when the account was transferred to Santander from XXXX the principal balance was $ XXXX.Santander overcharged me by {$2800.00}. This is a clear fraud. 3. On XX/XX/XXXX the account was modified to lower the initial APR from 13.89 % to 10.14 %, however Santander claims that this was incorrect. How can this be incorrect if Santander confirmed receipt of the modification agreement. ( See attached letter ) the new amount should have been {$270.00} instead Santander charged me {$380.00} The vehicle was repossessed on XX/XX/XXXX a payment of {$1200.00} was made via cc on the evening of XX/XX/XXXX. The car should never have been repossessed. The difference of this was {$1800.00}. plus the repossession fee of {$460.00} for a total difference of {$2300.00}. It is not my problem if Santander fails to keep accurate records. I was offered a modification on XX/XX/XXXX the modification was received by and accepted by Santander. Santander has clearly committed fraud by overcharging my account almost {$6000.00}. If Santander wishes to overlook this I will file a consumer fraud lawsuit against them, where as they will have to pay triple damages including my attorneys fees and cost. It is to the best interest of Santander to settle this as soon as possible. I will further send this information to the Attorney Generals Office for review. As a settlement I am willing to accept {$5000.00}. I have provided all the necessary documentation to prove the fraud that has been committed by Santander. Thank you -
My accounts were paid in full through Sallie Mae in XX/XX/XXXX by consolidation before Navient and Sallie Mae separated. Navient and the XXXX   XXXX XXXX continue to report inaccurate information. The XXXX customer service states that they do not have a record of an account that is in default, delinquent or past due in my name but continue to send default notifications in the mail. Both companies customer service has threatened arrest, used fowl language, and when I request documents regarding the account they claim I owe, I am hung up on. They refuse to provide documentation that any balance is owed or that the account reported has been previously paid in full and on time to Sallie Mae. Navient has falsely reported payments made to all three credit reporting agencies with the most recent being XX/XX/XXXX and XX/XX/XXXX.
I received a letter from Southwest Credit dated XX/XX/2017 about a debt in the amount of {$260.00} from XXXX. I mailed them a Cease and Desist letter on XX/XX/2017. I received a letter from Southwest with a different account number and an amount of {$990.00}. I received a collection letter with the {$990.00} debt.
Upon recently checking my credit reports I noticed a medical collection by  RevSolve  for the amount of {$650.00}. I immediately contacted original creditor and was informed that the original debt in question was for treatment for my daughter however her insurance covered the debt. I then disputed with credit bureau to have Revsolve remove the debt, however,  Revsolve  allegedly " verified '' the debt. I then called   XXXX  Hospital  in regards to the collection activities and was notified that the debt has been paid and request has been submitted to Revsolve for removal of the account. I then filed a complaint with the    Better Business Bureau  as the company has not removed the collection. Revsolve rep responded with a request for an indefinite  HIPAA  disclosure  ( Release of Information ) to  be signed by me. I refused the request stating that I would not authorize the disclosure of information I never authorized them to possess in the first place. They did n't request my authorization when they reported to the credit bureaus either. However,  Revsolve  has not responded and the account is still on my credit report as of today.
I had a mortgage loan with Litton loan servicing I fell behind on my payments and was given a loan modification. What I did not realize is XXXX added XXXX to my loan balance in fees for the modification. Ocwen brought my loan and I did fine until I had some life threatening health issues, which caused me to fall behind on my payments. After being threatened with foreclosure I decided to sell my home. I 've been asking for a payoff amount for a few months. I was told to refer to the princable amount listed on the website. After entering into a contract with a buyer I was told the payoff amout is an additional XXXX dollars. The amount on the web site states XXXX. What recourse do I have to stop from paying these bogus fees.
I submitted a complaint regarding this company within the past 6 months with your company, case file no. XXXX, this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with Debt Recovery XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter XXXX bankruptcy back in XXXX and that has been XXXX, all accounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under XXXX XXXX XXXX Virginia - XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very stressful having to deal with false transactions and fraudulent reporting on my credit. Thank you
I applied for a home modification loan through Wells Fargo in XXXX 2014. Wells fargo stated that I would have a trial period of XXXX months to see if the payments were affordable and if i would make the agreed lower payments on time. Payments were made early and on time for three month trial period. Wells Fargo claims that payments were no records as on time till the loan modification was approved in XXXX 2014. Therefore XXXX through XXXX payments were recorded as being 120 days overdue.