WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. I submitted a valid police report with an notarized attachment of my FTC identity theft affidavit. I am requesting that you please reconsider the valid documents and please revjew, block and delete the fraudulent files from my credit report. Thank you in advance.
I went into TD Bank on XX/XX/2017 to make a deposit. I handed the teller my check with XXXX endorsements from myself and my husband, the check is my income tax from last year taxes. The teller told me the funds would be available on XXXX, they was not. I was told by several supervisors that the funds would be available on XXXX. I was told after coming to the bank that the fraud department is looking into the situation. I have deposited several items that have my husband and my name on it as well as others. Why do I have to be treated like a criminal?
Affiliate Asset Solutions Dept Collections called and wanted payment now for {$630.00} for a XXXX XXXX, 2014 ambulance bill from XXXX XXXX XXXX. They would not give us an address, except XXXX XXXX XXXX, Georgia. We did not pay them. We called XXXX and were told we do not owe any money and they do not use this depth collection service. I think this is a scam.
XXXX University under the XXXX XXXX umbrella sent me to collections for a debt of {$14000.00}. The school was later sued by your institution forcing them to shut down and sale all of their locations. The collection agency named Jefferson Capital System LLC is trying to collect a large sum of money for a school that lied not only to me but on me. XXXX University attempted to get me to take out a loan from XXXX for {$4700.00} at a 9.9 % interest rate to pay for one quarter. One of their representatives later told me I should take out a genesis loan for the amount of {$11000.00} which would cover the rest of the semester. I refused and explained to them I did n't have the money to pay for a loan. XXXX University locked me out of my online classes and school assigned email accounts. I do n't owe for classes I did not take nor did I finish school. They sent me to collection for not taking out a loan which is something I do not understand.
This item just recently appeared on my report Midwest Recovery. I don't have any idea who XXXX XXXX XXXX is.
Affidavit of Demand XXXX XXXX XXXX XXXX OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Dear Experian FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Experian, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Experian. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB : XXXX/XXXX/XXXX cc : Pennsylvania Attorney General XXXX cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX
I am frustrated at the general consensus that mortgage companies are allowed to collect their interest upfront and not refund the money back if the loan is paid off early. Why are mortgage companies allowed to collect interest on money that has not been lent. Meaning that they should only be allowed to charge interest on the loan as it stands current. Not collect the interest on a note based on 30 years even if it is paid off in 5. I just think that as consumers the mortgage companies should be giving us a choice.
In XXXX 2016 I got a collection notice from AFNI, responded back on XXXX XXXX, 2016 and another response On XXXX XXXX 2016 stating that i did not owe the XXXX I told them they need to validate the debt with the original debtor XXXX XXXX XXXX uverse because XXXX of the debt was for equipment that i returned via XXXX. I sent them the return receipt of the equipment and a proof of delivery, I called them I told them I would pay the XXXX from the XXXX told me they would get back with me and while i was waiting the reported the full amount to the credit Bureau 's So i called them back and they told me that XXXX XXXX XXXX XXXX never received the equipment, and I have sent them proof the equipment has been returned by a Proof of Delivery from XXXX
Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. 44 Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even mine.
I disputed a charge to my PayPal credit account about one month ago, submitted supporting documents proving that I did not received merchandize the charge was taken for. PayPal has not responded to my dispute, nor they did any provisional credit to my account. That's a long time! Inadequate service. I need a refund immediately.
I contacte d PMT solutions  as I was told I had an outstanding balance with them. The lady told me that maybe my case would affe ct my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane PMT solutio ns original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly way more then original amount and I do n't have receipts or anything it 's been so long.
Express Recovery was reporting an amount on my credit report, which I have never received any information on. I sent a validation request initially a few months ago, asking for them to validate this amount, if this is a medical bill which member of my family it was for, dates of service etc. They never responded to the initial request, so I second one was sent on XXXX XXXX, 2017. Both requests for validation and verification contained all of my contact information so they could provide the requested documents and get a hold of me easily. No correspondence to date has been received, I obtained their fax number today and faxed a cease and desist notice as they have violated FDCPA regulations in not only refusing to provide the validation as requested in writing, but also by continuing to collect and report on this account without validating.
Re : Bank of America Cash Rewards Credit Card I signed up for a Bank of America 's Cash Rewards Credit Card because their Ads state, " {$200.00} online cash rewards bonus if you make at least {$500.00} in purchases in the first 90 days of account opening. '' I opened up the account over the phone in XX/XX/2018, made all applicable purchases within the given time frame, and paid my bills in a timely matter. I waited 3, 4, 5 months, and I never received a bonus. I called BofA to check on the status, and they informed me that I do not qualify for the bonus because I didn't apply ONLINE. I, along with a lot of other consumers am baffled by this. Please refer to their website : XXXX XXXX XXXX Nowhere next to the statement " {$200.00} online cash rewards bonus if you make at least {$500.00} in purchases in the first 90 days of account opening '' does it mention " account opening ONLINE ONLY '' or an " * '' noting conditions voiding phone applications. This is really misleading to the average person. I opened up the account because of the bonus offer. I feel like this is a nasty bait and switch scheme Bank of America is  playing with the general population. 

Please note, at the time of application I was not able to complete the online form due to my circumstances at the moment -- thus I had to apply over the phone as it was more convenient for me. This is discrimination for those that are incapable of applying online.
In XX/XX/XXXX, I tried to start an online business after I saw an ad to open an online store, I was encouraged by the ad thinking it would be a good way to pay off some debt and I decided to check it out since I am no longer able to hold down a job due to XXXX problems. 
One the companies was XXXX XXXX, they contacted me and made it seem so easy, even though I told them I didnt have any money or 401k, they asked me if I had a good credit rating and they talked me into getting more credit cards to pay for their services. 
I paid them {$9800.00} with my bank of America card on XX/XX/XXXX and XX/XX/XXXX I paid several companies to start up this online business and it all ended up being internet business opportunity frauds. When I realized what was happening, I tried disputing the charges with the merchant several times, but they have ignored my requests. I AM FILING THIS COMPLAINT BECAUSE I PAID FOR SERVICES THAT WHERE NEVER PROVIDED TO ME AS EXPECTED AND DESCRIBED. 
Please investigate this matter, it was suggested to me that if I file complaints with my government agencies for help in this matter. These companies have many complaints against them and its obvious by the list of charges that I was defrauded, I really need your help in getting my money back.
Sent money wire XXXX XXXX, 2015 from Navy Federal Credit Union at XXXX XXXX Office in XXXX, Florida. Canceled transaction the evening of XXXX XXXX, 2015. I was told that it would be quicker than the wire leading me that it would be cancelled in time since the date of funds availability in XXXX XXXX, 2015. I called the XXXX XXXX today XXXX XXXX, 2015 and learned that my account had been credited with the full amount including the {$25.00} wire fee. I logged into my bank application the credit was not reflected on my balance in the account. I called again the XXXX of XXXX, 2015 and I was told that the procedure was the same to send as to cancel. I then called to speak with the branch manager XXXX at the XXXX XXXX XXXX XXXX office in XXXX, Florida. She stated that they had ask the bank to refund the money. I think I have received the run around from bank personnel at Navy Federal Credit Union.
I am also a victim of Green Treen and Ditech charging {$12.00} for the my mortgage payment.
I received a credit card from XXXX XXXX several years ago that was attached to my joint account ( with my husband ) at Fidelity Investments. Approximately two years ago, Fidelity informed us that they would be replacing the XXXX XXXX card with a VISA card through XXXX XXXX XXXX. I found out last week when trying to correct an erroneous billing issue that XXXX would not discuss any issues with me without my husband 's specific authorization because I was not an owner of the account. I asked how could that be since the original XXXX card was originally issued to both me and my husband based on our joint account at Fidelity. XXXX claims the information they received when they took over the business at Fidelity must not have indicated such and they required me to submit a new credit application which they rejected. XXXX refuses to provide any documentation showing that they received this incorrect information from the previous credit card company as they allege. I believe that this a clear case of discrimination against me as a woman since they only issued the credit card to my husband even though their relationship is based on a Fidelity account that is jointly held by me.
I had a checking account with XXXX XXXX. It was in a negative status and ended up closing. The debt was transferred to XXXX XXXX who reported on XX/XX/19 the debt owed was {$650.00}. Today XX/XX/19, XXXX XXXX  called me to obtain payment. They advised the balance is {$750.00}. I asked why the balance was higher and was told it was other fees that XXXX sent over and it will take up to 30 days to find out. I was then notified that this is accruing 18 % interest and I better get it taken care of. Yes find it completely unfair I was never mailed anything on this or told that interest would be accruing. I advised I am waiting on my tax return and asked if I could start smaller payments. I was told someone else would have to help me and was transferred. The second person I asked why I couldnt settle the account and why there were other fees and was told it was probably the interest. I wasnt aware interest could be charged after the debt was charged off and reported. Nothing was mailed or disclosed to me until now. I have been trying to come up with the funds or I would have paid it sooner. I don appreciate the evasive answers and condescending tone that was used.
I have not gotten a pay day loan for several years. ( not sure when exactly ). For the past two months a company named XXXX XXXX XXXX has been calling and when I answer they hang up. I am filing for bankruptcy and tried to call them back to give them my information, and every time I get disconnected. Not once have I heard from a real person, it 's always a machine. i do n't know what they want because my payday loan was paid off.
I have disputed 2 items on my credit report from the company. I got a letter stating that the information has been verified but they have not provide any proof to how this was verified. 

Disputed on XX/XX/2018 for {$660.00} and {$660.00}
XXXX Reported I owed XXXX XXXX an apartment complex XXXX in XXXX XXXX. I had contacted the apartment complex to find out what this is about. I had lived in a single unit apartment XXXX from XXXX to XXXX. In XXXX before the lease was up I had adopted my two nieces and had to move to a XXXX bedroom XXXX. I was there until my lease was up in XXXX. XXXX XXXX is reporting i was evicted from XXXX when they just transferred me to another unit in the same complex. They never removed the collection account from XXXX.
Called me at XXXX XXXX did not state company name or to whom I was speaking with, but wanted me to give out my personal information such as my birthday. I informed that at the time they call that it was before XXXX XXXX. Called back spoke with an agent, his excuse is I have a east coast  address, yet I have never dealt with this company before. Also, after talking with the agent he is well aware that my employer is in Idaho. Therefore, it should have been a given that the address they have on file did not correlate with my new address and time zone.
I filed bankruptcy in 2014. I reaffirmed my auto loan with DriveTime or DT Credit. When the bankruptcy was in process, DT Credit removed everything from my credit report pertaining to this loan. Once the bankruptcy was closed DT Credit will not report to any credit companies and the loan is nowhere on my credit reports. I have tried to traded my vehicle in and have been unable to because its like that loan does not exist.
To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you,
Loan was TRANSFERRED BEFORE LOAN MODIFICATION BALANCE REDUCTION was DONE WITH XXXX XXXX XXXX! Have to honor per your letter value is {$470000.00} you keep saying was done wasnt WAS TRANSFERRED WHILE IN PROCESS THEN TRANSFERRED! READ!
Hello, I have disputed fraudulent inaccurate information with Transunion on several occasions. The most recent was XX/XX/XXXX2017 when I sent certified letter requesting originating documents of a student loan that is on my report twice. The response I received was that information was verified. I did not request " verification ''. I want all the original documents that were applied for with my name. I did not apply for a student loan, sign a contract, receive funds, or authorize use of my name. I advised them to delete this inaccurate information if they wont send me the requested documents. 

The first account is XXXX XXXX XXXXXXXX # XXXX opened X/XX/2017 The second is XXXX XXXX  XXXX # XXXX opened date X/XX/2017 The second account is the same loan with a variation of the banks name with an inflated balance and changed opened date, this also gives the illusion that these are two separate accounts when they are in fact the same account. At this point I cant even access my account online to view or dispute the information again. The supplied phone number has me holding over 97 minutes now, I really need assistance trying to deal with this company.
I advised my credit card company of unauthorized transactions that took place in XXXX. I live in XXXX, and have not traveled to XXXX. My credit card company temporarily credited me for the items, until this past week. They sent me a letter stating that as I had not reported my cards lost or stolen, and that since the card was used with a chip reader - I am fully liable for the transaction. I did not report any cards lost or stolen as I have them in my possession ( XXXX cards -the joint account holder and myself ). They then reposted the transaction and billed my account. They did not do anything else to investigate, I am truly concerned and upset as how they were able to use my chip.
I received a call at work from this collection agency claiming to be attempting to collect a student loan debt about a month ago. I immediately told the representative not to contact me at work and that the amount alleged owed was in dispute. I further requested verification from them in writing of the alleged debt. This was about a month ago. Despite me telling them not to contact me at work they have continued to do so twice, including today ( XX/XX/2018 ) from someone who identified himself as XXXX at approximately XXXX. Central time. In addition when speaking to the receptionist at my work the representatives have given the name of the company as Coast Professional , Inc, which anyone can XXXX  and see it a debt collection agency. Perhaps the most egregious thing this agency has done was to send a letter to a general fax number stating that they were requesting employment verification for me. They included my social security number and ask about my income. This letter was left on a general fax machine where anyone could have and did see both my social security number, the agency and their request about my income. This fax was sent at XXXX. central time so the company should have reasonably known that sending a fax with that personal information likely would not have been retrieved until the next morning meaning anyone, including random office cleaning staff would have had access to my social security number. Furthermore I still have not received the verification I requested. I believe that all of these actions are in violation of federal law and was done solely to repeatedly harass me.
I continue to receive repeatedly phone calls all through the day from XXXX XXXX XXXX STORE CARD XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX )XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX
On XX/XX/2018 I received an email solicitation from Chase with a promotional offer to file my taxes using XXXX XXXX website. In the advertisement it advised me that being a chase customer I was entitled to XXXX $ fed and XXXX $ state filing, all I had to do was click the emedded hyper-link. As I typically used tax act and paid XXXX-XXXX $ to file I decided to take them up on the offer. After the completion of filing I was advised I owed XXXX XXXX {$80.00}, I carefully read the original email to see if there was a promotional code to be entered, however there was not. After spending a great deal of time preparing my filing I decided to pay the fee and then call Chase customer service the next day. When I called chase I spent nearly 40 minutes on the phone only to be told, # 1 I shouldn't be getting the email in question because I am not in their " targeted zone '' # 2 if I wanted to see any reimbursement or resolution I needed to prepare all my documents and manually mail them to an address in XXXX, DE. I then told the customer service rep that I feel my only recourse is to take this occurrence to the CFPB she offered to refund me 6 months of interest in a statement credit as a compromise. As I figured that would take my total out of pocket expense to {$40.00} XXXX  {$50.00} I felt that was fair. Now over 2 weeks later that credit never appeared and that is why I am filing the complaint.