WillisBack/dataset-financial-user-claim huggingface dataset:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : MIDWEST RECOVERY SYSTEMS {$360.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity  theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS {$360.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Diversified consultants rep called I did n't recognize the number. Caller ID stated number with no name. I thought it was spoofed, so I asked the rep why didnt name of company come across. Rep Would n't provide me all information I requested. When I asked them not to call me anymore, rep started yelling and arguing over the phone.
Attention dispute department XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$100.00} REV {$210.00} MIN {$43.00} {$130.00} XXXX DELINQ XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$810.00} OPEN {$810.00} XXXX {$810.00} {$810.00} XXXX COLLECTION XXXX XXXX A XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$360.00} OPEN {$360.00} XXXX {$360.00} {$360.00} XXXX COLLECTION XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX COLLECTION XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$1000.00} XXXX - {$1000.00} XXXX COLLECTION 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 SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
I received a notice of attempting to collect an alleged debt to XXXX XXXX XXXX, by RSI Enterprises , Inc ; XXXX XXXX ; XXXX, A, dated XX/XX/XXXX. This letter arrived in my mailbox at the beginning of XX/XX/XXXX.

It is alleged that I owe an amount of {$10.00} resulting from an alleged service dating back to XX/XX/XXXX.

As per my attached letter to RSI, I was never told of an amount owing, nor was there an invoice furnished, nor a statement ; I am totally perplexed. 
I find it unacceptable that RSI accepts an account for collection without making any attempt to verify the validity of said account. I call this shooting in the dark. 
As it turns out, someone jumped the gun, in the meantime, and reported me to the credit bureaus. I found out today, that my FICO score of XXXX was ducked by three points down to XXXX ( XXXX ) and XXXX ( XXXX, account 28 years and NEVER been late ), respectively. All that without any communications whatsoever beforehand. Shameful conduct. 
Why companies like XXXX XXXX, for example, do not advise their clients before the procedure that there is a co- payment, is totally unclear to me. The way it is now, seemingly, is that a third party ( the provider ) makes a contract with XXXX and the client pays, even though there might not be a contract at all. XXXX XXXX could charge whatever they like and then demand payment, or else. It's almost like giving them a password to one 's bank account.
Wells Fargo Home Mortgage Has not recorded a rescission of a notice of a notice of default as required by California Law ( Assembly Bill 278 ).
Wells Fargo Home Mortgage Has approved the Short Sale of the property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX . All parties have approved the short sale. Proof of funds and financing documents have been provided to Wells Fargo Home Mortgage ( Authorized agent of beneficiary ). As per California Law, Wells Fargo Home Mortgage must record a rescission of a notice of default.
Wells Fargo Home Mortgage has failed to record a rescission of the notice of default.
Please have Wells Fargo Home Mortgage comply with California Law.
The company ( Nelnet ) excludes the group loan from your homepage when you have " paid it off. '' However, there was still interest left on the account and they did not issue me a bill or anything telling me there was interest left. When I found it and called they said this was their process and that " Do n't worry about my credit report. It would n't show default for several months. '' The payment was made by the military under a student loan repayment plan so I was unable to tell how the money used for each loan. They applied it to the lower interest loans in order to receive more money from me in the long term with interest.
chase-credit limit not  XXXX  accounts with a balance   XXXX   still showing on report-  XXXX     XXXX   XXXX   card.   Age of credit history not current.
Re : XXXX Macy 's Store Card I CALLED TO FIND OUT IF CARD WAS GOOD, AND THEY SAID IT WAS GOOD. 
AT THE MACY 'S STORE IN XXXX XXXX, IT WAS DECLINED, AND THEY SAID IT WAS CLOSED A YEAR AGO. I WAS NEVER INFORMED ABOUT CLOSING THIS ACCOUNT, AND I WAS OWING NO MONEY, AND WHY DID THEY CLOSE IT? THIS WAS WRONG.
LVNV Funding / Resurgent XXXX never gave me written notice of collection efforts. They called but I told them this was not my debt and that I never had this account. They then proceeded to report the debt to credit bureaus without allowing me any verification of debt.
I was charge XXXX for and a purchase from XXXX i did not authorize and someone stole my card and did this transaction on my TD Bank checking account please help me resolve this issue my money was stolen.
Portfolio Recovery had the audacity to call XXXX at XXXX after they responded % your bureau and we disputed their response as their name continues to appear on the caller id that appears on screen and they leave no msg/you should have this on record/
In XX/XX/XXXX, I received a notification from the credit bureau that my credit line on my XXXX XXXX card decreased from {$460.00} to {$240.00}. This is the second time my credit line decrease without me being notified by the store. I have noticed a pattern in their activity. Whenever I pay my bill down they subsequently reduce the credit line to the new balance as if they at gradually trying to close my account. Im ni sire why. My credit score is higher now then it was when I initially got approved. My male counterpart is a XXXX male we started out with the same credit line- he pays just as I do because I pay the bills and there has been no change in his credit line. Also they never send notifications as to why- when I call they read me the statement but somehow the physical letter never reached my home address. Of the typical price range of products is $ 60-200, what are they conveying my purchase power is only to buy one item based on demographics, race, age etc? I want to know why and I do not want a generalized answer because that will not suffice.
I had a National Declared Emergency from Hurricane Irma in XX/XX/XXXX. My servicer for my VA loan was XXXX who at that time offered a forbearance for three months because of the storm which would have been XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments in forbearance then I would start back up in XX/XX/XXXX. Which I did then they sold my mortgage to Selene Finance in XX/XX/XXXX which then Selene couldn't give me any Information on loan status or payment info until they received all documents. I was told by XXXX that the forbearance payments would be just tacked onto end of loan. Selene Finance never agreed to that initially, but then did and raised my interest rates from 4.5 to 5 %. They also reported my to all the credit bureaus up to 180 days late, which XXXX never did. I paid every payment that asked for on time but instead screwed my credit over and changed my interest on my loan by raising it to 5 %.
On XX/XX/XXXX, I visited XXXX XXXX to sign up for personal training sessions. I received a XXXX XXXX XXXX XXXX XXXX and the XXXX that I take causes me to XXXX XXXX which is why I wanted to visit a trainer. I am XXXX XXXX XXXX and have XXXX in my XXXX XXXX   and XXXX in my XXXX XXXX. When I visited XXXX XXXX, I explained this to the representative XXXX XXXX and that I am unable to read the contract. XXXX stated that she would review the contract with me. During this time, I was unaware that the trainers were through a third party company called XXXX XXXX. During my time with my trainer ( XXXX XXXX ), he cancelled XXXX weeks of training in XXXX, XXXX weeks in XXXX, and XXXX week in XXXX. On XX/XX/XXXX I learned that XXXX XXXX was terminated due to credit card fraud. At this time, I submitted a certified letter requesting to cancel my services and cancelled my credit cards to avoid my information getting compromised. I received a call back from XXXX XXXX stating that in order for me to cancel I owe last months payment and {$100.00}. I explained to her that I will not be paying them any more money due to not ever being told I can't cancel my service. I also told them I was not comfortable giving them my credit card information due to the credit card fraud that occurred at this company. I spoke with my trainer after this and he was stating that he could make up the cancelled sessions from earlier and that his checks that he receives from XXXX XXXX bounce. Because of this I paid him {$140.00} through bill pay on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. I continued to receive monthly phone calls from XXXX XXXX about my balance. I repeatedly told them that I was not paying them anything and that my service was cancelled. I also explained to them that I paid my trainer in XXXX and XXXX. I sent them a copy of the receipt and they said they would credit my account. In XXXX, I submitted a complaint to Better Business Bureau in which the case was closed due to XXXX unsuccessful attempts to receive a response from XXXX XXXX. XX/XX/XXXX I then received a letter from Aldous and Associates stating that I owe {$2200.00} because of my agreement with XXXX XXXX.
please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXX XXXX  application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!
I had an existing 6-month grace period on my student loan account. When I applied for an unemployment deferment, it overrided my grace period, cutting it short. Now Great Lakes is saying I must pay up soon. 

Furthermore, I am in graduate school. 

I am publishing this information to the Consumer Financial Protection Bureau for others to see.
Credence Resource Management has made attempted attempts to collect on debt that does not exist with my current mobile phone provider. CRM is refusing to release information unless I release PII to an unidentified resource. All accounts are current and there are ZERO late/missed or defaulted payments on my credit. I can provide full payment history on account. I would like to proceed with any legal action at my disposal through or in partnership with any government organization.
I rented a car from XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I paid for the rental on my Amex XXXX XXXX XXXX. I paid {$19.00} for Amex car rental insurance. I returned the car undamaged. The rental company alleged damage and charged my credit card an unapproved {$230.00}. I disputed the charge. Amex contacted the merchant and sent me an unreadable PDF document. I asked for a legible copy, but one was never provided and Amex closed the dispute. I then lodged a claim with Amex car rental insurance. I sent them all the documents in my possession, but some items - for example - an accident report and an estimate for the cost of repairing the damage - are not in my power to produce because there was no accident and no damage. 
I am in a catch 22 situation. The whole charge is fictitious and the insurance claim is being denied, and I am down by my {$230.00}. 
I attach a photo of the " damaged '' car taken at return
There is an inquiry from XXXX institution in my TransUnion credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( XXXX ) XXXX
XXXX XXXX was paid in a refinance of home in XX/XX/XXXX through debt collectors Bllatt, Hasenmiller, Leibsker & Moore LLC. However now my mother is trying to sell the house and 10 years later XXXX XXXX is indicating a lien on the house from a debt that was paid in full, listed in Assets & Liabilities, listed on the HUD-1 settlement statement and Blatt, Hasenmiller was paid multiple times ( see all attached documents ). On XX/XX/XXXX XXXX XXXX of Law Office XXXX XXXX XXXX claims there is an open lien on me XXXX XXXX from XX/XX/XXXX although no confirmation. No one can provide a SSN, DOB or a signature indicating this is mine.I was sent a copy of judgment which was clearly a cut XXXX paste of a XXXX MI and yet they claim it was mailed XX/XX/XXXX from Blatt Hasenmiller. XXXX XXXX XXXX rep XXXX XXXX admit no payoff ltrs were mailed to XXXX XXXX XXXX and they had no records of anything pertaining to XXXX XXXX but yet it remains on me personally and the credit bureaus have allowed this which violates the FCRA and FDCPA. The type set that was sent of judgment does not match from the name to the rest of the alledged judgment. XXXX, XXXX refererenced XXXX but doc # XXXX from an alledge judgment entered XX/XX/XXXX # XXXX XXXX XXXX ( which was paid ). At that time they were paid in full accordingly of XXXX. Same account raised to! XXXX and now over 10 years later they are asking for {$2500.00} on closing documents in which my mother was trying to sell her house under a Short Sale. XXXX XXXX XXXX indicated there were no liens on the house in a previous letter. XXXX XXXX Bank did an illegal loan modification signed by a Vice President in XX/XX/XXXX with no liens mentioned. XXXX XXXX XXXX ran their own trac search in which no liens were reported however a place called XXXX XXXX XXXX XXXX indicates lien and sub-prime lender. I learned in XXXX that I had became a victim of Identity Theft in which I got a FTC report # XXXX and police report because my social security check was stolen through my bank account. I have had ongoing trouble since then. XXXX XXXX is trying to EXTORT money that was already paid over 10 years ago. Now because of XXXX XXXX my mother ca n't sell the house and now the house is going to go into foreclosure because of illegal, mismanagement, fraud and deceptive practices of all of the above and yet they are continuously allowed to get away with it! Please help me out here! See all supporting documents! Thank you. It was bad enough my name was added to a mortgage and I was put on a Mortgage Note illegally without a SSN, DOB or any other identifiable information and now XXXX XXXX can not produce or their debt collectors a SSN, DOB or any other information and want more illegal money from me of a debt over 10 years old of {$2500.00}! Pure extortion and for the Credit Bureaus to allow this to remain, I hereby will file complaints against them as well!
XX/XX/2018 : Initiated a complaint to Wells Fargo regarding my business credit card for the last 2 days about incorrect available credit of {$99.00} which shows in my account. The available credit should be {$260.00} and the credit limit is {$500.00}. I explained to them about an order from XXXX which charged my account was completely cancelled and I received an email confirmation of this cancelled order and they refused to make adjustment or having issues making the adjustment to my card.
An company totally unknown to me named Certegy Check Services, Inc.has stated that they refused to allow my check to be cashed. This is from a legal class action court settlement ( Outage Alert Text Message Settlement c/o XXXX XXXX XXXX ), and guaranteed by law. Check # XXXX
To whom it may concern ; I have an account with XXXX XXXX XXXX XXXX that has been compromised via fraudulent and unauthorized activity. I first became aware of this on XXXX XXXX and contacted my card issuer accordingly. I made a payment, disputed these unauthorized transactions and then proceeded to close the account permanently. The current information reporting on my credit file with Experian is wrong on multiple levels ; 1. The account is not open, it has been closed by me. 
2. The balance on the account is reporting inaccurately. 
3. The status should also read that it is currently under dispute for fraudulent charges to the account. 

I am attaching my identification ( DL & SS Card ) along with an image proving that I have contacted XXXX about these unauthorized charges along with the confirmation number they gave me. 

Would you please update my credit file, once you have completed your investigation accordingly, to reflect your findings? I am confident you will see your findings and my statement will fall in line accurately. 


ACCOUNT ****XXXX XXXX XXXX XXXX ( XXXX credit card ) Account # : XXXX Date opened : XX/XX/2016 Limit : {$4000.00} Please feel free to reach out to me if I can be of any further assistance in helping you to expedite this matter. I can be reached absolutely anytime at XXXX XXXX XXXX XXXX. As always, thank you kindly for your help with this matter.
The massive hack/breach at Experian exposed my personal information. I have put a fraud alert onto my account, and will need to be extra vigilant to make sure my identity is not stolen.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency XXXX not report negative information that is more than XXXX years old or bankruptcies that are more than 10 years old. XXXX XXXX XXXX reports an old debt, unverified, as a collections account on my credit report. None of the debt is verified, there is no proof of payment information. In the state of Indiana debt older than six and one-half years must be cleared from the credit report of the consumer.
My previous complaint was supposedly resolved and yet my transunion account was NEVER updated to show no late payments. This is a constant thing with this company. They asked me to wait 30 days and its been well over that. My payments were never late as agreed in all XXXX complaints. I want this resolved so I can move on with my life.
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
For several years I have not been able to get a FREE credit report from XXXX and Transunion. Every time I ask I get a different reason for not allowing me to see my credit report that they have on me. One of the reasons is that Transunion has false information that they will not divulge nor allow me to challange.
I had XXXX accounts that were an obvious data entry ( cut & spate ) error. I had a Bankruptcy and filed a XXXX for my car loan. All information was provided to the credit unions. A XXXX is a document that makes a loan outstanding Exemt from the bankruptcy. I signed a document stating I would pay my car loan as agreed. I ordered a copy of my credit report and it showed Pay Status paid as agreed. However, it comes up under adverse accounts because the remarks show chapter XXXX bankruptcy. I paid my car loan on time for XXXX years. Which is reflected on the account. Why then does it appear under adverse accounts and chapter XXXX. I disputed this and was sent the investigation results. XXXX loan was deleted bcz it was not mine. The XXXX XXXX loan pay status no longer shows paying as agreed. Now it says account included in bankruptcy. This is ridiculous. I was denied credit by the company I paid my loan to for XXXX years on time and extra money, XXXX XXXX. They denied me for poor performance on loan. What are they talking about. I have bank statements and previous credit report showing on time for XXXX years. I believe they are punishing me for my XXXX year old sons XXXX XXXX account poor performance. This should be illegal.