WillisBack/dataset-financial-user-claim huggingface dataset:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : 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 BUREAU or 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
This is appearing on my credit, the loan was taken in XXXX. I live in XXXX, it is illegal to take a payday loan in XXXX. This information is incorrect and does not belong to me. The company refuses to take this off my credit
My direct deposit still is not going through on my account. Same issue last week. I can not pay my bills and this is the second time within ten days I have trouble accesing my money. Customer service keeps hanging up the phone on me.
My complaint is regarding City Bank. Citi Bank is reporting inaccurate and false information to the credit Bureaus. Citi Bank is reporting XX/XX/2018 delinquent to the credit bureaus. I contacted the Bank and spoke to a representative he went over the payment history with me I told him about the {$270.00} was debited from my bank account for the month of XX/XX/XXXX. The representative from Citi bank told me to send in my bank statement and a copy of my credit report and Citi bank will update this delinquency on my account. After sending the Bank what ever they wanted and proving them I made my payment on time they they didn't want anything to do with that information anymore. They didn't change their reporting even after the fact I've sent my Bank ststement.
I opened an basic checking account with Regions back in XX/XX/XXXX/XX/XX/XXXX. At that time I was advised to opt-in to the overdraft protection. Based on the explanation, it sounded like a good feature. 

Sometime in XX/XX/XXXX, I experienced my first overdraft but it did n't make sense to me. I called in and the agent I spoke with could n't adequately explain the logic behind why I was charged. The way the information was listed on my account online suggested that I had enough funds in my account and that the overdraft fee is what overdrafted my account! At that time, they refunded an overdraft fee and helped me opt-out of the feature. 

As it was explained to me, opting-out of their overdraft protection would PREVENT any overdraft scenarios from happening. This is clearly not the case. 

Fast forward to recently, I made a debit card purchase online on XX/XX/XXXX and that purchase did not " clear '' until yesterday. Every single day I 've been checking my available balance and every single day it showed this {$39.00} had already been subtracted from my balance. But now when I check today, it just posted and caused me an overdraft. 

Additionally, on several occasions they have been unable to explain the order of transactions. I get a different answer every time I talk to them. Their response is always that I should keep a paper ledger. I should be able to use the TOOLS they provide to view an accurate balance. Otherwise its a bait to lure me into spending money I do n't have. I RELY on that tool to track my finances. T hat 's why its there. It is a realtime digital ledger.
In XX/XX/XXXX I attempted to close out my profit sharing account from a company that I worked for previously, the funds being deposited with Wells Fargo Investments. The Wells Fargo Investments that the funds are with is located in Texas I was told that I could not do so until the end of the quarter which was XX/XX/XXXX and that I would be able to have my money in it 's entirety the 1st week of XX/XX/XXXX. I filled out all the necessary paperwork that was given to me to do this total close out of this account. I mailed the paperwork back to them as instructed. I have not received my money. I called today and was told that I could not get it at this time. I spoke with the person who handles the profit sharing for the company and he was in contact with Wells Fargo. He ( XXXX ) was told The person that handles these accounts was on maternity leave and they did not have anyone to replace them and they did not know when the person would be back so I could not get my money. They acknowledged that they had received the necessary paperwork. I borrowed money in XX/XX/XXXX based on the fact that I was to get my profit sharing funds ( now in excess of {$40000.00} ) in XX/XX/XXXX.
I established a vehicle loan with Chase Auto Finance in XX/XX/XXXX and started to pay on XX/XX/XXXX. I did my regular payments at is showed in the attachments. On XX/XX/XXXX ( 2 years later ) I have to file a Bankruptcy and I did and was discharge for the Bankruptcy Court of XXXX FL on XX/XX/XXXX. At that time my payments of the car loan were showed in my credit report. I spoke with the Bank representatives and told them that I was going to continue payment my car loan because I want keep my car. They accept the payments all months, only 2 - 3 late payments l payments. But I did a big effort and finish to pay the car in XX/XX/XXXX two months before of the established day. The Bank sent me a letter where they consent the title were give to me because the link of the Bank was satisfied. Now I want to buy another car but I found that the Bank did not report all my 48 payments to the credit bureau and the reason they give to me is that I did not sent a form to the Bank telling them that I was continue with my obligation to pay the car to them. Probably I did not fill the form but I continued paying the car and the continued receiving the money and giving me the receipt or my approve by phone. The say they do n't have the obligation to report. My question is : Why nobody talk me nothing about the form? Why they continued receiving the payment if they were going to push me in a tramp? They also remove from my credit report the 24 payments that I was made at the time I filled the bankruptcy, there looks like I have never buy a car. I want you help me to reach the goal of see this account showed in my credit report. I am sending you the letters I received from the Bank authorizing the title company to made the title of the car in my name, the report where the bank show the amount and day of every payment for 48 months with of very few differences, some of he receipts gave to me when I paid directly in the Bank, the receipts sent for them by mail. It is good to say that I have to meet the procedure gave to me for the Bank which I have to call every month to the department of Bankruptcy and explain them I wanted did a payment to my car loan. And every month for 24 months after bankruptcy I did. Please help me! Thanks
I have an account with citifinancial XXXX also known as pilot recievables XXXX that is clearly not mine i have since gotten a verified police report and notarized identity theft victims affidavit that has been notarized that has been deleted from all other bureaus because of it being clearly a result of identity theft that is still reporting on your bureau this fraudulent account that has been idenitifed as fraudulent needs to be removed asap
I spoke with a PNC banker about a home equity line of credit in the middle of XXXX. The banker informed me that during the application process the following would be required for underwriting : the last two years of XXXX, the last two months ' paystubs, the balance of my mortgage, and proof of home owner 's insurance. These requirements mirror the requirements that PNC advertises on its website ( information available at : XXXX last accessed XXXX XXXX, 2015 ). 
PNC contacted my company ( via a public information submission form on the company website ; I note this is hardly an appropriate way to request financial information on an employee ). An executive at my employer verified my employment ( he provided me with a copy of the form he submitted XXXX. On XXXX XXXX, 2015 I received from my PNC Loan Analyst that my employment status was verified. 
Per PNC 's published standards, this should have resolved the documentation I would be required to submit to the underwriter. 
On XXXX XXXX I emailed my Loan Analyst asking for an update on my application. She informed me that the underwriter was requiring that I submit information regarding my equity in my employer. As this asset ( and all assets per PNC 's requirements as stated on their website ) are not required for a Home Equity Line of Credit, I declined to provide this information. I then emailed the Loan Analyst 's supervisor to express my concern about a request that contradicted PNC 's published guidelines. The supervisor wrote back and reiterated that the underwriter was requiring that I submit information about my equity holding. 
PNC has publicly available content that markets the HELOC in a particular way. I met the standards of documentation per these guidelines and PNC confirmed my employment status. To request information that is not included in published information raises several problems. 
1 ) The information advertised on PNC 's website does not match the standards that have been applied to my application during underwriting. Given that I was " sold '' the loan with this information ( in that the information was an incentive to select PNC for its streamlined underwriting process ), the hidden requirement seems to violate Regulations Z and N of the TILA. 
2 ) Frankly, my application is being subject to moving standards during underwriting. I received confirmation of my status and, therefore, the standards by which the application should be judged. A month later, a new set of standards is being applied. It is hard to believe that my application is being assessed fairly if PNC 's underwriting is quietly applying new standards when assessing my application. 
3 ) I expressed concern about this to a supervisor and the supervisor sided with the underwriter. As such, I can not believe that this shift in standards is a misunderstanding or an error made in good faith. When I raised the concern initially, a separate PNC employee reiterated that I was expected to comply with a request that contradicted published information.
I am victim of IF theft since XXXX 2012 and in banked with Bank of America. Everything was okay till I decided to change my bank and go with XXXX due to fee rate increase implementation was wrong as per my terms so I asked them to close my account they closed my checking but said we can close your saving in was like why and they said you owe XXXX dollars on which in was very scared and went a head did thr police report, got FTC affidavit and affidavit of Identity theft and filed in from of a notary public. Then I submitted that to BOA but even in told them I am a IDTheft victim thry had sold my a count without resolving my deputes and giving me my XXXX back they have violated my rights and I got XXXX class per 5 days from FTC XXXX. I sent them all explanation with proof and thry concluded that in bear no responsibility to that XXXX dollars and sent the case back to bank of america but it has been 4 years I have been asking them to take me off the XXXX and now finally I am going to sue them with the insurance I bought of XXXX dollars with all XXXX bureaus. I won the case and they still did n't remove that from XXXX.
On XX/XX/XXXX, I made a payment in the amount of $XXXX to Capital One towards my credit card balance.  The card rewards state that as long as your account is in good standings with the company, you are able to utilize the cash back feature towards the balance on your credit card (which my account is and I have paid more than the minimum balance each month).   My payment due on XX/XX/XXXX was $XXXX. I utilized my cash back credit of $XXXX in addition to a payment from my financial institution, which totals $XXXX. On XX/XX/XXXX, I reviewed my account information for the month and noticed a late fee charge of $XXXX which was debited to my account with Capital One.  The statement also showed that both the cash back used towards my statement in the amount of  $XXXX along with my $XXXX personal payment was received a nd utilized toward my balance on XX/XX/19.  On XX/XX/XXXX, I contacted customer service and spoke with XXXX, a customer service rep and then asked to speak with a manager to have the charge removed as my account has NEVER been late.Next, I spoke with XXXX who stated she is a senior account supervisor. I asked that the late fee be removed. She said that the system would not let her remove the fee.  I asked for an explanation and she wasnt able to provide one. I also asked her where I could review the information that states that the cash back could not be used towards my statement for the month. She stated it is shown on a box that is checked when I redeem the cash.  There is no way to view this information now.  I also looked on the company website under their FAQ segment and have a screen shot available showing that NOTHING online on their website states any disclusions about using cash back rewards towards the statement.  When asked who I could contact at Capital One regarding my credit card with them, she told me to go on their website to find the address.  Because I had just experienced a problem with the transparency of their “rules” for redemption of cash back on their website, I did not trust that the website would provide me with accurate or reliable information which is why I have contacted you.If needed, I can certainly supply all of the screen shots I have taken regarding this information to support my case.I would like the fee to be reversed, as well as help other customers of Capital One in the future.  There should be transparency and available information to the consumer regarding limitations on their cash back limitations.
Started repayment XX/XX/2018. 

XXXX-18 ACH Withdrawl Payment of {$170.00} made. 

XXXX-18 credit via Direct Deposit to my checking account XXXX for {$170.00} Complaint is Navient is returning my monthly payment for no reason and with no explanation. They are not notifying me why they refunded a valid payment without my knowledge. 

Violating my FCRA rights and banking law by doing this.
This is still ongoing, Trans Union spliced my credit with someone elses, using my social security, with another persons name and bad credit .I have been trying for almost 2 months to get my credit back in order .I have sent all requested paperwork XXXX times .Nothing has been done .I call XXXX times a week just to find out nothing has been done and I always get the same answer 5-7 days.After the XXXX Nothing has been done .I 'm trying to get a mortgage and ca n't because of this .I 'm going to be homeless in XXXX .if I ca n't get this fixed .If documents are needed I prefer to mail them because of sensitive info
I did file a complaint in XXXX with your office. It was registered as XXXX number : XXXX. The response from the bank was not satisfactory, but life is too short to fight for one 's right. I paid for the late payment charges on my credit cards due to account closure and took necessary steps to be able to pay future bills. If Chase wanted to close our account, even on erroneous pretext, so be it. There are many other banks in the US and in the world. But after over 40 years of having our account, our mortgage they erased our account history which was now electronic. They stated in their response to you that they were sending the past five years by USPS. Another twist of thr truth. Three months later it has not arrived and USPS tracking says : " Tracking Number : XXXX Not FOUND ''. How do I find the data to file my taxes? 
This is just to set the record straight.
I have reached out to Equifax 3 times and they told me to reach out to the companies which I also did and they have pointed me back to Equifax. Back in XXXX 2017 there were some unauthorized credit inquiries on my credit report. I have told them to provide documentation with my signature which they have not been able to provide. 

The companies are : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ( twice ) & XXXX XXXX. 

I am getting nowhere between these companies and Equifax and I have had enough!
I became aware of a collection issue on my eqaufax and XXXX   account from a collection agency called receivable performance mgt for a debt {$12000.00} for XXXX XXXX..i have never had a account with XXXX XXXX, never received a bill with XXXX XXXX or had a contract with XXXX XXXX..this company is notorious of making fabricating for small amounts and putting it on your credit report ..Then extort the money and continue to keep it on your report, in my case there is no debt..pursuant to FDCPA 15 USC 1692 ( e ) a violation that is premeditated and deliberate. XXXX and eqaufax simple accept a debt from a collection agency with a dispictable reputation with out any proof of debt, no contract, they simple enter and these two credit reporting agency report it,, in this case it harm my excellent credit..Which is why this company hope will happened and thus the extortion..pursuant to the FCRA both reporting agencies violate this statutes report a debt that did not arise from a contract or agreement to pay, ..In this case I was never notify of a debt, dont know what the debt is about, never validate the debt nor id themselves as to who they are or what specifically the debt is .Eqaufax and XXXX violate the FCRA without any evidence of a debt.
From XXXX XXXX XXXX XXXX. 
We applied for a modification in XXXX XXXX we completed 3 trial payments. 
We were not given the paperwork to sign to make the modification permanent until XXXX XXXX. 
Why did it take ten months to get a response and an offer for a modification? 
During the ten months, we were in pre-foreclosure status.We received letters and phone calls daily informing us that our home was in pre-foreclosure status. 
Why did it take 10 months to receive a modification?
I am responding to a letter I received from Experian. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they think my letter is suspicious. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Prior to sending in my letter, I carefully reviewed Experian 's website to figure out exactly what I needed to do to file a dispute and included all information necessary. 
I need to know what made my letter " suspicious '' and if Experian could provide me with an example of a letter that would be acceptable to them since the one I wrote is not good enough. 
I work very hard all day and can not afford to take time off to dispute my accounts. I also do not have the money to be represented by an attorney or any other agency. 
I would like Experian to respond to my letter the same way they would if I called them by phone or disputed something online ; I just want them to permit me the right to have my accounts properly investigated for inaccuracies and errors.
TransUnion File Number XXXX Date : XX/XX/2018 TransUnion has on page 12 of 13 Supplemental Consumer Credit Information Auto finance Inquires in the last 3 Months:2 6 Months:2 9 Months:2 I have not applied for no auto loan on none of this information stated by TransUnion under Supplemental Consumer Credit Information in any way. I would documented proof from TransUnion to where it was done as stated by TransUnion on my credit file. There has been no auto loans by me requesting any Auto loans. 
I opt out of Inquiries or companies Inquiring about giving credit or selling. 
Im tired of Inquiries showing up if I have not applied for them by TransUnion on my credit file.
Vehicle purchased XX/XX/XXXX.Vehicle was totalled XX/XX/XXXX, 1 car payment had been paid ( XX/XX/XXXX/XX/XX/XXXX ). Insurance adjuster made a settlement ( of {$9100.00} ) with the lender who accepted. The payoff at the time was {$10000.00}, Gap insurance should have covered the remaining $ XXXX.Another car payment ( approx {$260.00} ) was drafted from account, was told that because we didn't cancel autodraft it automatically took out the money and money would be refunded after account was settled and Gap insurance took over. Several phone calls were made to resolve this and refund the extra car payment. Then was told money would not be refunded and we still owed {$15.00} which has now been reported to both our credit reports, and that Gap would only cover {$660.00}, not the remaining {$920.00} at the time setrlement was presented and accepted and bwfore an additional car payment was drafted out of the account.