WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted yesterday, XXXX/XXXX/XXXX, on my cell from a number in XXXX, AK XXXX XXXX XXXX XXXX in regards to an alleged unpaid debt on an old XXXX credit card that was paid on XXXX/XXXX/XXXX, in the amount of {$160.00} to XXXX XXXX XXXX XXXX. I told them it was paid and they wanted me to read them the information off of the receipt that I had. I told them it was at home and I could let them know tomorrow. The guy I spoke with stated that was fine. They also contacted my in-laws about 20 minutes after I spoke with them. I called the facility this morning, XXXX/XXXX/XXXX, at XXXX, it was closed. I called again at XXXX. I was told the person who has my file is out. I explained again I have the paid receipt and was told to call with the information today. The male I spoke with stated he would return my file back to the company that sent it to them since I have the receipt. At XXXX, they called my work. At XXXX, I called the facility again from XXXX XXXX TN ( XXXX ) XXXX, to let them know I had already spoken to someone and the female stated she sees in the notes the contact information and for me to disregard the call. At XXXX, they called my cell again from XXXX XXXX TN this time. I re-explained again that I have a receipt and she asked if I was disputing the claim. I asked her what is the name of their company and she said XXXX XXXX XXXX. I told her yes because I have a receipt stating the debt is paid in full and has been settled as of XXXX/XXXX/XXXX. She stated she would notate my account. At XXXX, my mother-in-law called stated they called their residence again looking for me.
Identify was stolen I provided XXXX  XXXX  XXXX  with the police report. XXXX XXXX XXXX   verified that they received the report and would remove the charge off. The credit agencies are still showing the charge off.
My name is XXXX XXXX I had a dispute with this information on my credit report. 
Credit ItemsXXXX XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXX XXXX. 
Address Identification Number:XXXXStatus : Collection account. {$810.00} past due as of XX/XX/XXXX. 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX. 
Date Opened:XX/XX/XXXXReported Since:XX/XX/XXXXDate of Status:XX/XX/XXXXLast Reported:XXXX Type : CollectionTerms:XXXX MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : $ XXXXPayment History:XX/XX/XXXXAccount History : Collection as of XX/XX/XXXX The address in number used on this is wrong I did not have direct tv. I did not live tat the location they have listed for this. I never signed for this either. I am not sure how this account came to be. They have not showed me any proff that this belongs to me nor provided me any information. The address identification listed for this address was my ex-husband who is now deceased.This is the address id information : Address:XXXX XXXX , XXXX XXXXAddress identification number:XXXX. 

I do not know how this account came to be and I never signed for service. I can provide proof needed showing I did not reside here, I did stay with him for about 2 weeks but that is all. I would like this removed from my credit report. Please let me know what I need to do to have this matter taken care of.
On or about XX/XX/2018, XXXX XXXX XXXX  placed a fraudulent account on my credit reports with XXXX, XXXX and Equifax. I immediately filed disputes with each respective agency that the account is fraud. XXXX removed the account within two days. Equifax and XXXX have yet to respond or remove the account from my credit reports. This account has in the past been disputed and proven to be fraud, and XXXX, XXXX   and Equifax are in violation of the FDCPA by allowing it to be repeatedly placed on my credit report by various different collection agencies who are selling it to one another and by not immediately removing it from my reports. Likewise, they are in violation of the FDCPA by not adjusting my scores accordingly once the fraudulent account is removed from my reports.
I filed a complaint with this company CFPB against Ocwen ( the company in which CFPB sued in reference to many consumers ), however CFPB closed my complaint after first response from Ocwen without my reply to the information they submitted. However, I gave my response to info in feedback inquiry as Ocwen 's own data showed they added over {$12000.00} to my mortgage balance after I was harrassed and threatened of foreclosure if I did not catch up 2 missing payments. Also after submitting all info and documents to my request for remodification under the HARP/HAMP program, my request was never processed. Instead thousands and thousands of dollars were added to my balance in 2010 with no explanation as to why. I am very disappointed to the handling of this matter and is still stunned and why my complaint was closed._
I have requested for Kramer and Frank to send me validation of this debt on a couple of different occasions. I have gotten the run around to talk to the original creditor which is XXXX XXXX. I have let them know that I am not familiar with the debt and to provide me with the proper validation showing my signature for such account and they have yet to send me that information. They also have another account in their office for XXXX XXXX but same with this account I have yet to receive the debt validation. They have not been biding by the FDCPA and I am requesting for those violationsto be addressed as well.
I got approved for a line of credit with this company XXXX XXXX /XXXX XXXX for {$3600.00}, this was to bea used for a XXXX XXXX   procedure with a company call XXXX, they wanted me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I was not happy with, I told the company I was not happy wit the procedure, I'veyou contacted XXXX XXXX/XXXX XXXX about this problem a few times, and has disputed the charges, I should not have to pay forthe a product that I'm not useing, but their still billing me, and if I don't pay it, it will hurt my good credit rating, please help
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 RECEIVABLES PERFORMANCE 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 RECEIVABLES PERFORMANCE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX 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
We have contacted Rushmore Loan Management multiple times about removing our Private Mortgage  Insurance. They continue to give us the run around and fail to reply back to us. They told us via mail that we qualified to remove our PMI. They told us the loan to value had to be below 80 %. And denied us an appraisal. We had to file a complaint with the BBB to get them to order an appraisal. The appraisal, which they refuse to furnish a copy to us, they state shows a 78.8 % loan to value. This is below the 80 % stated they told us via the telephone. Now they are telling us it has to be below 75 %. The actions of this company are criminal. We have been fighting with them since XXXX XXXX  2017, 8 months at the time of this complaint, to remove the PMI.
Consumer Portfoilio Services Filed a false XXXX to the IRS claiming a debt that was not theirs
I have been contacted on my personal cell phone and home phone at the most inappropriate times from the company ERC regarding a XXXX telephone debt that is not mine. 

They list account # XXXX with a debt of {$280.00} ... 

I have contacted XXXX and they have confirmed that this is not my debt. 

I have also contacted ERC to advise them and they stated that I would not be receiving more calls however they continued to call and send letters to my home. 

The info for ERC is as follows : Telephone XXXX Address : ERC XXXX XXXX XXXX, XXXX. XXXX and ERC XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX I am asking that this company be investigated for fraud and that they cease contacting me. 

Thank you for your help. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H- XXXX
I have been a member of American Express since XXXX. I have always paid them on time, without any problems. However American Express put my wife on the account without our knowledge and that lead to more problems. My wife 's Identity was stolen and because my American Express Account was in her name too, these criminals had access to my American Express Account as well. After all these years, having the XXXX Card and The XXXX Card, they are treating me as a criminal and embarrassing me where I live. American Express called our neighbor, Mrs. XXXX XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX at XXXX. This was so embarrassing, and against Federal Law. This is also a violation of my privacy. If American Express had not put my wife on my account without my knowledge or consent, I would n't be having this problem. Furthermore, I made arrangements to pay back American Express by paying them {$200.00} on the XXXX Card and {$200.00} on the XXXX card a month, but this is not acceptable, because their employees do not have the authority to do anything but harass customers. The F.B.I. has contacted them about my wife 's situation, but American Express chooses to ignore them and continue to harass me, and violate Federal law.
I have been disputing information on my credit with TransUnion for over 3 years. The information is still on there and I requested copies of how they came up with what is reported on my credit report. I am in the military and it is required that I maintain a security clearance. In order for me to obtain it a few years ago, I had to pay creditors that I did not owe. I am attaching copies of letters that were sent and a copy of credit reports. The only thing that TransUnion did was send me another report over and over. One of the XXXX XXXX accounts were deleted but they left the other one. Please help me in getting this information corrected. 

The companies are : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - According to credit report it will be deleted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - the other account was deleted but this one was left. 
XXXX XXXXXXXX According to credit report, it will be deleted XX/XX/XXXX Thank you in advance.
I was denied a mortgage refinance for a lower interest rate, VA guaranteed for my personnel property. The decision to deny the loan was based on my credit report. At that time my credit report carried XXXX negative items. XXXX items were paid off XXXX XXXX and the third items should not have been on the report. Currently, all negative items have been removed from the credit report. We dealt with the mortgage company five months ( XXXX XXXX thru XXXX XXXX ). During that period they ran my credit report four times. Bringing my credit score done even more. The appraisal expired, the appraisal fee {$450.00} was non refundable and the low interest rate also expired. A written request was mailed to the mortgage company, recently asking that the inquiries be removed and there has been no response. First, I did not give them permission to run my credit report four times and second because the numerous inquiries lower my credit score, it prevented me from acquiring financing from another institution
I need to deposit a house insurance check in the amount of {$12000.00} to my Chase account and they are refusing to accept it because they say ( 1 ) the amount is too large, over {$10000.00} and since it was issued to my husband and myself and XXXX XXXX XXXX ( the XXXX company I hired ) and XXXX, and duly endorsed by all parties, Chase 's internal rule indicates that the check must be deposited to the business account holder in detriment of their own personal clients ( my husband and myself. ) Chase gave me two suggestions : ( 1 ) return the check to the insurance company with the endorsements and ask that they issue a second check only on behalf of my husband and I, or ( 2 ) have the check deposited in the XXXX ' banking account. Either of their solution is unacceptable to me as it exposes me to credit risk since ( 1 ) the insurance company may actually reject the check since the money was deposited by a third party and not the insured and ( 2 ) the fee to the XXXX is only {$2400.00} for which I already issued and delivered a check. By having the company deposit the check I need to wait for their bank to clear the balance of {$9600.00} which exposes me to the credit risk posed by the XXXX company for a week or so. Additionally, if my bank can stipulate what kinds of checks it can receive in the branches for small amount of dollars or any other internal rule, they are not doing their basic job of clearing checks! I have been a banker all my life, most recently as a Banking Center Manager at XXXX XXXX XXXX, and can not understand how a duly endorsed check, including with a signature guarantee on the part of the XXXX bank can not not be processed by the banking system. What would happen if I had a check issued for {$20000.00} with another payee such as a mortgage company as Chase wants, where would I deposit this check? Is this not the most basic of services a banking institution should provide? I am attaching the settlement agreement with the insurance company and my written communication with XXXX as well as the fully endorsed check for your review. I can not believe that even if this is once-in-a-life-time occurrence I do n't have a bank to deposit this check because of some internal rules of an institution with a charter approved to operate as a bank. An additional and final note, in speaking with a personal banker at Chase who was consulting over the phone with her back office manager, I was informed that if I had a Chase mortgage things would be different ... Is that so? I am being held hostage by my own bank for a simple banking transaction without a logical or reasonable explanation. The Consumer Financial Protection Bureau should not permit banks such intrusive and arbitrary internal rules which destroys the very reason why a bank exists.
I requested my free annual credit reports from Experian, XXXX and XXXX in XXXX as usual and have not received them
In my disputing of some inaccuracies on my credit report, I requested to all the XXXX CRA 'S to send me documents that they received and the agency or person or contacts that were used in the process of the outcome stating that the inaccuracies were all verified.They have not responded with any supporting documents from these companies XXXX, XXXX, Office of Texas Attorney General as to how they were verified.
On XX/XX/2018 there was a credit inquiry that showed up on my XXXX account for a credit card from XXXX XXXX. I did not initiate this request. I called XXXX   and they told me I had to call the credit card company as they ( XXXX ) simply reports what is out there. I called Synchrony but wasn't able to get any resolution. 

On XX/XX/18 I was able to speak with someone at Synchrony who confirmed a card was taken out in my name and we closed the account down as I notified them that it was fraudulent. I spoke with a XXXX who told me Synchrony would notify the credit reporting agencies and that I would receive a letter in the mail from Synchrony detailing their findings.
XXXX XXXX  client XXXX XXXX is a victim of identity theft. She has experienced ongoing issues of fraud using her SSN without her consent. She previously placed an extended fraud alert on her credit reports however she took the additional measure and placed a credit freeze with the bureaus. Of the freezes Experian has not provided her any information concerning receipt of her request that was mailed certified, return receipt ( USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX   received XX/XX/2018 ). In an effort to contact Experian, she called the number for the customer service for Experian ( XXXX ) and even though the number was supposed to allow contact to a live operator, no such contact was ever made. Experian has not given an update as to the positive confirmation of receiving the request for credit freeze on behalf of my client nor have they provided a PIN needed to initiate and remove the freeze. This action is a violation of the FCRA and my clients consumer rights.
On XX/XX/2018 I filed a complaint against XXXX XXXX XXXX. due to not having a contract with the company because a contract I had with GE Capital was charged off XXXX XXXX brought my debt from the company. There is no signed contract between myself and XXXX XXXX GE Capital stated they longer have an account for me because the contract was canceled and charged off on XX/XX/2018 XXXX XXXX replied to my complaint and sent me someones bills with their name address and social and sent someone else signed contract they did not send a contract with my name on it between them instead they violated my civil rights and also someones privacy and confidentiality
Having issues with repayment for years, I called XX/XX/XXXX to put my account into forebearance and set up " auto payments '' for 15 months. I accrued late fees on my account, because it was not made clear that changing the due date was passed to actual due date, which ultimately made my account " in the red zone '' ... .for months! Seven months later, I had " auto debit '' coming from a different account, which is different than auto payments, which again was not made clear. Making double payments for 2 months, I accrued late fee charges through my banks, because I did not know how to stop this from happening. I called XX/XX/XXXX to have the " auto debit '' cancelled and to continue with the " auto payments '' that I had originally set up back in XX/XX/XXXX, for a specific date. Now it 's XX/XX/XXXX. I just got off the phone with Navient. I talked to people in customer service and collections. I talked about my account still being debited for payments, accruing late fees with my personal bank. I was furious with them. They try to transfer me to different departments " trying '' to figure out my account, late fees, and double payments. Ultimately, I am so discouraged, I do not trust that they will take the correct amount from my account on the said date. I owe a large sum of money, work full time, live with my parents to save money, and still can not make payments. They do no explain what they are doing, until I am screaming at them through the phone, making myself so upset I am literally XXXX. Customer service does not/ can not see what collections does and vice versa. I am making a formal complaint because they assume the borrowers know exactly what is happening with their accounts and money. They do not explain anything and will tell you whatever you want to hear. I do not trust this company. I wish there was a way out, for my own personal sanity and not be financially burdened by this company.
On XX/XX/2019 I started the process to buy me a car. At the dealer I was informed that I i had a fraud alert on my Equifax credit file that i had no knowledge of. I contacted them and i was able to get the fraud alert removed but they could not give me any information about why and who placed the alert. Equifax then mailed me a letter confirming that it was removed but informed me that a extended fraud alert was sent to XXXX  and XXXX  without my knowledge or consent
OnXX/XX/XXXX at XXXX XXXX I purchased a MoneyGram money order for {$670.00}. This was for my rental payment which is due that same day. I made the purchase at XXXXt XXXX store # XXXX, located at XXXX XXXX XXXX XXXX GA XXXX. Sometime during my continued shopping and leaving the store, I lost it. I then immediately returned to the store at approximately XXXX XXXX and spoke with a store manager, in an effort to have the lost money order voided, and replaced with a new one. 
After obtaining a copy of my debit card receipt, I then asked the store manager to replace my ( XXXX ) money order under MoneyGram 's replacement policy. I was then told by her, that I could not receive a replacement of my money order from them, and that I needed to call MoneyGram to address the replacement issue. I then called MoneyGram while still at the store, at XXXX and chose option # 4 " for help with something else ''. Under this option, I then chose option # XXXX to request replacement on a money order that was lost, stolen, or damaged. 

Under this option I was again informed that I was " untitled to request a replacement ''. However, as the recording continued, I was then deprived of the option to have the money order replaced, through fraudulent audio instructions, which deliberately switched the " request to replace money order process '', over to a " request for refund of money order process '', through which that attempted to exploit me for more money. 

I spoke to customer service about this attempt to exploit my situation through this clear change in the replacement processing instructions, but they refused to address these acts of fraudulent misrepresentation, which I recorded in their entirety. 
At the time MoneyGram made these " money order replacement '' representations that day, they clearly knew that they were false and untrue, and that they were being made with the intent that I, and other consumers would rely upon them. As a direct result, I as a consumer being unaware that MoneyGram 's  representations were false or untrue, did reasonably rely and act on their representations. 
As a result, I currently stand to suffer the following losses due to my reliance upon their false or untrue replacement representations : 1, Theft of {$670.00} by potential criminals, seeking to fraudulently cash the lost money order, due to MoneyGrams refusal to immediately provide an in store replacement. 
1. Late fees of XXXX dollars afterXX/XX/XXXX, for late rental payment due to non-replacement of {$670.00} money order purchased onXX/XX/XXXX. 
2. Eviction proceedings for delinquent nonpayment of rent, due to non-replacement of {$670.00} money order purchased on XX/XX/XXXX. 

I am therefore requesting the immediate return of my {$670.00}, back into my account, so as to avoid the unnecessary losses which I stand to currently incur. If this matter goes beyondXX/XX/XXXX. I am requesting all late fees and penalty costs as well. 

Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau