WillisBack/dataset-financial-user-claim huggingface dataset:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : 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 DOCTORS BUSINESS BUREAUor 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 including : 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 : DOCTORS BUSINESS BUREAU 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, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Dear sirs, I am following up to my case # XXXX, please refer to those documents. The only update and help I need relates to the letter sent by Regions Bank as a response to the CFPB and myself. On that letter which is included in the case file, is dated XXXX/XXXX/14, in which they apologize for the error and would be requesting all credit agencies to remove the charge off entry and replace with paid off, when I refinanced my home loan. Unfortunately, upon recent updated af another bank loan, my credit report still had the entry as charge off, not paid off as they reported to have done, copy included. I tried calling Regions again today with little help on the topic. I would like your assistance with resolving this issue and would like to know what ramifications Regions bank will have for not fixing this problem, which continues to lower my credit score.
I have requested the following company information be changed due to inaccurate information on my credit report. I have filed disputes and nothing has changed. I also sent documents proving my dispute and nothing has changed. 

I am asking, the following companies removed from my credit report due to consistent inaccurate information. XXXX closed my account after we had an agreement, which once I received a job, I would pay what I owe. We spoke on the phone a few times and after I made my payment, XXXX then closed my account. This has negatively affected my credit. XXXX XXXX made an error, which I notice now, it is negatively affecting me and would like for this to be removed from my credit report account status. I am also asking XXXX, XXXX XXXX be removed from my credit score due to inaccurate account status information. I have requested the information be changed and nothing has been done.
XX/XX/XXXX : Called Navient to work on a different plan to lower my monthly payment, which shot up from {$170.00} to {$430.00} this month. Was told that there was nothing they could do unless my credit report showed stressed. 

XX/XX/XXXX Called Navient for private loan payoff amount to send to XXXX XXXX for refinancing options. Was told I would receive and email within 24 to 48hrs with this information. 

XX/XX/XXXX Never received the email with private loan payoff information, called Navient back with a fax number to send the info to. Was told they could not fax my information and They would resend an email within 24 to 48hrs.
In the process of obtaining a XXXX-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>XXXX purchase in XXXX, XXXX - it was traded in without a single delinquency in XX/XX/XXXX With that said, the Equifax, XXXX and XXXX credit reports each contained XXXX single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to Equifax, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the Equifax, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the Equifax, XXXX and XXXX consumer reporting agencies immediately dropped more than XXXX points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to Equifax, XXXX and XXXX to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with Equifax, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
Equifax is ignoring my requests to investigate and remove XXXX accounts from my credit report that do not belong to me.
I have been paying on an old installment loan debt that was with XXXX. After falling behind on payments the debt was supposedly purchased by XXXX XXXX XXXX in 2012. I have paid roughly {$10000.00} of a {$17000.00} debt. However I have repeatedly asked for statements which this company refuses to comply with. I have asked for a copy of the original agreement which I have never received. The company threatened to sue me if I did not set up automatic payments of {$150.00} every other week corresponding with my pay days. They set them up on a debit card but if the debit card does not go through they send it through as a check the following week which can result in a returned check fee if the money is not available. I do not believe I ever agreed to this and do not have a copy of the original agreement. The payment arrangement was set up over the phone in 2012.
As described in complaint # XXXX, the provided information sent toa previous landlord had a letter head stating it was from a XXXX XXXX atty at law. This letter was asking for personal information about me to include addresses aand phone numbers. 
In a simple search, it was revealed that it was a post judgment collection agency.

According to FDCPA policy sub section 804 paragraph 5 any symbol, name, etc etc. leading to the disclosure it is an attempt to collect a debt to a third party is by definition, according to FDCPA sub section 813 paragraph 2, subject to {$1000.00} per incidence of said violation.

As a result of that letterhead my former landlord willno liner give me a reference for future rentals. 
I find it hard to believe that a simple response " of any kind '' is enough to close this dispute while I can no longer get into housing I served my country to have the ability to obtain as a citizen. 
I have the letter, the envelope, and even retained representation from a FDCPA protection company, XXXX. I would love to enclose the pictureof the proof, but if I can't figure out howto download it, just ask instead of " closing '' a real complaint. My number is still XXXX, aand you have my e- mail. On top of that, a real agency is taking interest, so the must be something there. Call them. 
Lastly, upon any reply from a company, if which the lawyer 's name is on, should probably have said lawyer working at. All i got was a listof possible agencies, and they all went back to the same people answering the phone. I don't know which agency to even call or to whom I'm talking to. I'm pretty sure I joined the XXXX to protect all Americans, not just big business that has an automated response. Again, i HAVE the letter and envelope and everything enclosed.
I have XXXX collections on my credit reports. The one was removed and put back on. one was removed from XXXX credit bureau. the other XXXX are old accounts that were just recently put on my credit reports since I started trying to clean up my credit to enable me to get a home. they are over four years old and are just now showing up as a collection, which is frustrating when I have got issues cleaned up and more come out of the woodwork and put things on my credit reports
My Equifax credit report incorrectly states that my XXXX account was sent to collections. In fact, my XXXX account was set to auto-pay and the collections information was entered as an error. I have disputed this with XXXX via certified mail and filed a dispute with Equifax which was not resolved to my satisfaction. XXXX has removed this account from my credit report and I would like Equifax to do the same.
I charged purchased with my Walmart card on line and in store back in XX/XX/XXXX I returned everything on beginning of XX/XX/XXXX today I received my billing statement I see that there is over {$60.00} balance I look at my statement I see no return of {$29.00} {$150.00} on my account and that was month ago I dont understand why I ecumulate balance when I had a zero balance before make a purchase and after I returned everything doesnt make any sense other than this is a new fraud way fior banks credit cards to make extra money and they know most customers either dont have the time or dont pay attention or just to scared of if they fight it the credit card company will reack their credit file so they just pay it. 
But I am different and when I see wrong doing I will go after them and wont allow them to cheat me.
On XX/XX/18 i sent apartment agent XXXX {$200.00} for application and administrative fees but did not complete an application - they ran my credit without my permission and also refuse to refund application/administrative fees ( for which no application was submitted ) further, i was promised on no less than three occasions that if my application is denied the {$150.00} admin fees would be returned. 

company name : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. XXXX. 

agency they used to run my credit without my authorization : XXXX - XXXX i was informed by XXXX XXXX XXXX on XX/XX/18 that my application was denied, but i did not complete an application nor give them permission to check my credit. then they said that i would not get the XXXX administrative fee returned as per the fine print in the application, again, i did not complete an application .... 

i have made several attempts to contact their management ( XXXX XXXX XXXX ) ( XXXX XXXX and XXXX XXXX at corporate office XXXX ) but they are avoiding my calls. i contacted XXXX XXXX and they refuse to provide me information as to by what authority did they access my credit. a formal complaint was made online on XX/XX/18. 

their unauthorized access to my credit score had the negative affect of lowering it! and their processing an application that i did not complete fails to give them the authorization needed to proceed administrating it ... 

they refuse to return my calls and refund my fees and explain under what authority did they check my credit ( again i did not complete an application )
onXX/XX/18 I used my BoA mobile banking app to, what I thought was securely, transfer {$400.00} from my account to an individual who was " selling '' event tickets. After I transferred the funds the " seller '' stopped communicating, so I immediately called my bank to stop the payment to which they replied there was nothing they could do because it was through XXXX. For one, I did not ask for them to force me to use XXXX when using my mobile BoA app. Two, this is fraud no matter if I initiated the transaction or not. It was their decision to use a non-secure form of transfer and to not try and fix the issue. If I used my debit card to buy a mattress online and it never came, they would consider that fraud and investigate. this is no different.
I have been attempting to overpay my Navient student loans for three months in order to get out of debt faster. I requested that Navient return my payment to the regular monthly minimum because they incorrectly auto-debited the wrong amount from my bank account for the three months I requested my payments to be higher. During this time, each month a different Navient representative told me that my request was n't processed because a ) the representative did n't do it or b ) it would show up on my next billing cycle. Nothing ever changed. When I requested to go back to the regular minimum payments, Navient staff told me that because I had been making over the minimum payment, my over-payments were now my new minimum and that I could n't go back to paying my original monthly payment. I requested they provide me documentation on this policy ; they could not and still have n't. Now, after speaking to several representatives at Navient, I was able to get a figure for my old monthly payment and paid it, but the old overage payment is now showing up as a missed / late payment. Navient refuses to do anything about it other than read off a script or tell me I have no options but to pay.
My vehicle was totaled, i have Gap insurance everything was reported on time to the finance co. and to my insurance co. and they are telling me that i still owe them over {$1200.00} and i was never late with my payments
I am real estate attorney who is trying to pay off a loan being serviced by Seterus , Inc. Seterus refuses to give me payoff amount because they received this loan Fourteen days ago and have not yet sent my client a welcome letter. My client only wants to pay this debt off in full. Seterus has informed me that it will be another XXXX Days before a payoff can be generated, although they acknowledge that they are the servicing company for the loan.
1. XXXX XXXX has deferred my XXXX  school loans on four separate occasions without my permission because I was in school at XXXX University part-time, taking one course at a time. Doing so has raised my student loan interest rate by .25 percent. Prior to the faulty deferment I had a .25 reduction in my interest rate for using their direct debit service, and deferring my loans without my permission raises my interest rate again back up .25 percent. They claim that the Department of Education automatically defers my loans. I don't see how this is right or fair. 

Additionally, there is a form that I can fill out according to XXXX XXXX which will prevent this from happening. They said it would be available to my XXXX account last week so I can prevent future deferrals without my permission. I had to call about it and write to them multiple times since XX/XX/XXXX and I have still not received the form. On the latest call, they said that someone had made a mistake and asked me what my favorite color was to distract me. They eventually told me that in 24 -48 hours, after three weeks of calling, that my form would then be available. So I am still waiting. Meanwhile, my interest is higher and I am out of the direct debit option to reduce my payments. 

Lastly, I was not informed of this " form '' until the 4th time this automatic deferral has happened. 

I see this as a way XXXX XXXX can collect more money from borrowers unlawfully. 

2. A prior problem : I was on the Income Driven Repayment plan and the Public Service Loan Forgiveness Plan for the first two years of my repayment for my XXXX degree, and I can say the XXXX XXXX always took a very long time to process any paperwork, meaning my Income Driving Replayment plan status, etc., was not put in place when I requested it due to their lengthy processing time. 

I have since opted out of the Public Service Loan Forgiveness Plan due to the possibility of legislators getting rid of it, which would mean my payments would be even greater. My experience with this loan servicing provider has been terrible. I feel their negligence has cost me more money. 

Thank you for your time in reading my complaint. 

Kind regards, XXXX XXXX
I asked Ally Financial to cease all phone calls through a written letter I faxed. I also sent a second letter after they called my home again at least two times a day. I even told a representative over the phone I wrote the letter and she said it did n't make a difference. They gave me 30 days notice by mail ( dated XXXX XXXX ) to make a payment arrangement and repossessed my car ( XXXX XXXX ) anyway without giving me the 30 days. I explained to them in the letters I attached I started a new job and would n't get paid until XXXX XXXX. Ally does n't follow laws or promises to consumers.
I paid the original creditor the full amount of the debt. Somehow it was sold to another company, asset acceptance and they tried to sue. I hired a lawyer and won. The attempt was made well after the statute of limitations on unsecured debt. not to mention the debt amount was false. Now they are renewing my debt on my credit report to keep it within a statute of limitation. They will not negotiate. they will not tell me what debt they bought and for how much and give me the opportunity to pay said debt that is false. This debt is claimed to be from XX/XX/XXXX/XX/XX/XXXX
Last XX/XX/XXXX Walmart XXXX closed my account based on a payment taken from an account that was closed! I have never made a missed or late payment! There was a glitch in the system when I made a payment and it was sent back! Walmart has not as of yet assisted me in deleting this closed account from their system! In fact, this has impacted and negatively affected my credit report! Other lenders are viewing this report and are decreasing my credit because of this report! This is against the fair credit act! Please help!!!
I recently received my TransUnion credit report and discovered that there is an account on my report that does not relate to me. The account is an account under the name of XXXX XXXX XXXX XXXX. I tried on several different occasions to communicate with Transunion and they have ignored the section 605B of the FCRA. I was a victim of identity theft. I sent over to them my documentation and identifications including the FTC ID affidavit signed and notarized and police report case number for their own investigations and verification. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report. 

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

They did not provide one of the statutory reasons that permit them to deny within the four days the law permits. 

Additionally, the asserted reason of conducting a 30 day investigation is not a condition of blocking under section 605B. 

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. This account needs to be removed from my credit report. 

XXXX XXXX SSN XXXX DOB XX/XX/1986 XXXX XXXX XXXX XXXX Florida XXXX
I received a credit monitoring alert that a new address was added to my Equifax credit report. When I checked my credit report, Equifax is showing an incorrect address of :  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . That is NOT my address. I demand that this incorrect address is removed from my credit report.
On XX/XX/XXXX, I purchased a car from XXXX XXXX which resulted in receiving two hard inquiries on my credit report. One from XXXX XXXX and the other from XXXX XXXX. However, I noticed a month later that Transunion is showing a second hard inquiry from XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX and after several hours of speaking to numerous reps, I was told that this inquiry was never done by them and that I would need to contact Transunion. I contacted transunion and was told to get a letter from XXXX XXXX in order to remove this inquiry. This is complete fraud and I have become a victim of inaccurate reporting. XXXX XXXX will not send me a letter Because they 're saying they did n't request my credit report on that date. Transunion is not removing the inquiry stating that I need a letter from XXXX XXXX. Their next excuse to not remove the inquiry is that more than 1 hard inquiry reported within 30 days for an auto mobile does n't effect my credit score. This is complete fraud. I want the hard inquiry from XXXX XXXX on XX/XX/XXXX to be removed right away from my credit report whether it affects me or not. Under FCRA, I should be protected from being punished for something I did n't do. No other credit reporting agency is showing this hard inquiry. I need your help to have this inquiry removed as I have worked so hard to keep my credit report clean. Thank you.
My wife and I were going through financial hardship. We spoke with a manager explaining our unique situation and made a payment on both my wife 's credit cards with capital one.

Capital one accepted the payments, we setup a card in which I get automatic deposit from state of Oklahoma because I have a XXXX XXXXXXXX XXXX and receive SSI. My wife was XXXX at the time and in fact has been XXXX for the past two years. The amount we could pay on both cards was {$25.00} per card. I gave the account manager the information to make monthly payments on each card. 6 months goes by without a phone call and we received one stating we are nearing 6 months behind. I called and spoke with customer service and stated what I have mentioned above and that they need to check their records and listen to the pre-recorded conversation my wife and I had with Capital One. The customer service agent said they would review the recordings and get back with us. I never got a call back and had to call them. They said they don't keep recordings for that long. We made an attempt to pay at least something towards this debt. Capital one communication failed to even call us back. In fact the amount we paid before was suppose to divided between the two cards and they put it on only the card with the greater debt. Now they have hired counsel and want to take my wife to court. My wife had added me to the debt. I also have been in communication with the nation debt consolidation and relief. Please help us as I do believe we have been treated unfairly. We also have not received any communication since the incident by mail from capital one. Nor have we received any attempts to collect on debt. Just a service by process on my wife. They served her and I accepted service even though they didn't serve her by her correct legal name. 
I do believe I have more documentation on this as well. 

Thank you