WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. I sent this company my dispute and my identity theft report on XXXX and XXXX but to my surprise this company have not removed the fraudulent inquiries from my credit report within the 4 days as required by law. Again this inquiries are fraudulently reporting on my report, please delete asap : XXXX XXXX pulled last XX/XX/XXXX XXXX XXXX/XXXX pulled last XX/XX/XXXX XXXX pulled last XX/XX/XXXX XXXX pulled last XX/XX/XXXX XXXX/ XXXX pulled last XX/XX/XXXX This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

I have enclosed a copy of my Identity Theft Report and My Previous dispute to the company.
I had been in the process of obtaining an income-based repayment option from Navient, the company which services my student loans. In early XXXX, In order to allow me time to complete the necessary forms, Navient put my loans in forbearance until XXXX XXXX. However, as of Monday, XXXX XXXX, I was informed that my loan repayment date was moved up to XXXX XXXX. I called Navient on XXXX XXXX and explained that my financial situation did not permit me to begin repaying my loans within three weeks. I requested that the original date of XXXX XXXX be reinstated. They refused, stating that I had no time left for forbearance. This simply does n't add up as XXXX XXXX was originally the end date of my forbearance. I believe that Navient deliberately misled and even lied to me. They indicated that had I waited later to submit the income-driven repayment paperwork, I would have been able to begin repaying my loan on XXXX XXXX as originally agreed. Clearly Navient is incapable of keeping their word as to when repayment should commence. Had I known that I would be given such shoddy treatment, I would have delayed submitting my paperwork until the last minute. XXXX XXXX was always an option. Changing my repayment start date is capricious and arbitrary. I 've NEVER seen this occur with a credit card, bank loan, or any other installment plan. This feels borderline criminal.
I was sued by Forster and Garbus. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on XXXX XXXX XXXX, XXXX at XXXX p.m. at my home. I was at work almost XXXX miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am blonde and blue eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid XXXX of this debt which is MORE than the original amount.
I have been trying to negotiate with XXXX XXXX - now NAVIENT - since 2011 to discharge my loans, based on my status as a XXXX person and, based on their standard requirements for discharge - which I have shown them I meet. I have provided ample medical documentation, including doctor 's statements and still, they refuse to discharge. They have not, as yet, put my loans into default. Despite numerous requests, they will not provide me with reasons for their refusal to discharge. There should be some reasonable recourse for me to get them to follow their own rules.
I signed up for the Bank of America  Fundamentals Business ch ecking account with a promotion of {$200.00} after terms were met. I confirm that the terms were met, but Bank of America only award me {$100.00} for this effort. When I inquired why, they mentioned that merchants services needed to be used to get the full {$200.00}. This is not mentioned anywhere in the terms, which you will find attached. When I pointed this out, customer service disconnected the call.
DEMAND FOR REFUND OF UNPAID WELLS FARGO PAPER BILLPAY CHECK NEVER RECEIVED BY PAYEE. 

Submitted bill Pay payment. Recipient never received the paper check that bank says they mailed. Followed up with the bank using their online " Make an Inquiry '' and stated that this payment was never received by the recipient, creating claim # XXXX. Bank records indicate the check never cleared. 

Wells Fargo provided a response that implied they would actually take action to resolve the claim. However, they have done nothing, and only communicated with me when I followed up last week. Their followup was meaningless and suggested they have done all they can do. They did not do what they said they would do in the message. See copy of their XX/XX/XXXX response at the end of this message. 

Wells Fargo Claim : XXXX Payee Name : XXXX XXXX XXXX Payment Amount : {$200.00} Payment Reference No : XXXX Schedule Date : XX/XX/XXXX # # # XX/XX/XXXX Claim : XXXX Payee Name : XXXX XXXX XXXX Payment Amount : {$200.00} Payment Reference No : XXXX Schedule Date : XX/XX/XXXX Dear XXXX XXXX : We are writing to update you with the current status of your claim referenced above. We value our relationship with you and are committed to addressing your concerns and making the claim process seamless for you. 

Based on the information provided in your claim, our initial research has determined that we sent this payment as you requested ; however, we want to help you resolve the issue with your payee. 

To help you resolve the issue with your payee we will : 1. Contact XXXX XXXX XXXX 2. Work with XXXX XXXX XXXX to determine what information they need to locate and/or refund your payment - If we need additional information from you, we will contact you via phone/email - If XXXX XXXX XXXX requires your authorization to talk with us, we will attempt to reach you via phone and initiate a conference call with the payee 3.We will send you email ( s ) to inform you on our progress by sending updates to your secure Messages & Alerts inbox at wellsfargo.com and we will notify you when updates are ready for you to view To request copies of documents we used to make our initial determination, please contact us using the methods below, and have your claim number XXXX available. 

If you have questions or need further information about your claim we would be happy to assist you, please call us Monday through Friday from XXXX XXXX. to XXXX XXXX. Pacific Time at XXXX. 

Thank you. We appreciate your business. 

Online Claims Wells Fargo
I do Not Know who was the Foreclosing Entity, I can not and have not received the information on who is the Holder in Due Course of the Note, Loan. 
The Wrong Entity has Taken an Action it was not Legally entitled to take a Violation of 15 U.S. Code 1692e - False or misleading representations. 
CIT Bank shows Transferred on XXXX/XXXX/2012 but does not show to Who? 
How Much was Transferred? See Exhibit attatched
PayPal advertises that you can send money to anyone via e-mail, even if they do not have a PayPal account. I have used PayPal for many years for purchases and was very happy with their service. So I trusted this method of money transfer to my relative though I have never tried it before. On XXXX XXXX, 2016, I sent my Uncle in XXXX, {$2000.00} via my personal PayPal account as a gift. I sent it directly to his personal e-mail address : He accepted the transaction via his personal PayPal account. My relative then attempted to transfer the funds to his bank in XXXX, XXXX so he could access the funds. His XXXX account utilized a different e-mail address than his PayPal account and he was unable to make the transfer. He request help from PayPal and was advised that he needed to setup a business PayPal account, which he did ( although he has no business ). He was then able to transfer the funds from his personal PayPal account to his business PayPal account. He then attempted, again, to transfer the funds to his XXXX so he could access the money. But now is being denied access to the funds because the business PayPal account is frozen. This is because PayPal requires my relative to provide detailed business information needed to complete the business account, which he can not do, because he has no business! Thus, the {$2000.00} can not be accessed by anyone as long as PayPal has his business account frozen. Note that the only money in his business PayPal account is the {$2000.00} I sent him. The only reason for setting up the business account was due to problems with his personal PayPal account. When I tried to submit a dispute via PayPal resolution center, they stated that I had to contact the seller directly for a refund. With his account frozen for administrative reasons only, no one can touch the money. My relative would be very happy to send the money back to me, if only PayPal would let him. I have proof of the transaction from me to him and PayPal 's response to my complaint. My relative is stuck without recourse, I am stuck without recourse, PayPal will not allow either one of us to access my original {$2000.00}. Furthermore, the PayPal information provided to my Uncle was in XXXX, although he only speaks and reads XXXX. His XXXX is very minimal. Also, the PayPal account only provides a template for the American bank system of routing and account numbers. The XXXX banking system is completely different. In the process of trying to do a good deed, my Uncle and I have created a mess that has {$2000.00} stuck in a XXXX scenario. For the record, I sent my relative a second transfer of funds directly from Bank to Bank without difficulty. The only issue is how do I now retrieve the original PayPal amount.
I purchased a vehicle ( XXXX XXXX XXXX XXXX - White ) from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX ) on XX/XX/XXXX. 

I noticed that a couple of weeks had passed, and that my original loan from my trade-in, had not been paid off. I made several attempts to contact the dealer, to inquire about the loan pay off. Every time I called, I was either placed on hold, with nobody returning to the phone, or was told that someone would contact me. Each time, no response. I eventually reached out to my sales rep, who said he spoke to someone in Accounting, and that the check had already been mailed. He even assured me that it would reach my lender by XX/XX/XXXX. I even gave it a couple of days, and on XX/XX/XXXX had checked with the lender to see if the check had arrived. They explained to me that they had not received the check for this loan pay off. I was finally able to reach someone in Accounting on XX/XX/XXXX, who told me that they had, in fact, had not mailed the check. 

I have purchased several vehicles and have never experienced a loan pay off as slow as this one. I have even had to make an additional payment on the prior loan, so I could avoid late fees and a negative hit to my credit. It's not so much the fact that it has taken so long, but the simple fact that I have been lied to repeated times about the situation. I'm genuinely concerned that this dealer will not pay off my pre-existing loan, even though they have contractually agreed to do so. 

It's now XX/XX/XXXX and there are no signs of things loan being paid off.
This account is a result of ID Theft and has been expunged by XXXX XXXX as a result this need to be remove from my credit immediately : Liens And JudgmentsProcessed Date XXXXXX/XX/XXXXDate Filed XX/XX/XXXX-XXXXXXXXAmount XXXXDate Of Alert XX/XX/XXXX-XXXXXXXXCourt Name XXXX XXXX XXXXAddress XXXX, XXXXPhone Number ( XXXX ) XXXX
In midXX/XX/XXXX, I received a notice from our local magistrate for a Civil Action filed against me by Midland Funding LLC c/o XX/XX/XXXX in the amount of {$3900.00}. The hearing was scheduled for XX/XX/XXXX. I called the office on XX/XX/XXXX to make a settlement offer. They refused the offer and withdrew the lawsuit and will not take it off of my credit report and did not make a counter offer. I received my notice in the mail from the magistrate that the hearing was cancelled onXX/XX/XXXX. Any phone calls after this date have not been returned by the company.
On XX/XX/2019 I previously filed a complaint with the XXXX ( see attached ). On XX/XX/14.2019, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/2019 I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ). Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX   FLORIDA as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above
A company called NCC business services is reporting a debt which I know nothing about. I asked for validation of this debt but no response. I do n't owe these people anything.
On XXXX XXXX, XXXX, she called my personal phone a total of 5 times back to back. The collector then called my place of business 3 times. I am listed as reference only not a cosigner, so my work information was never given to this or any other business. The car in question is not in my name so therefore I should have never received a call at my job. I then returned to work on XXXX XXXX, XXXX, to find out this information. I called her and told her to never call my job again.
Money was taken out without my authorization in the amount of  XXXX  dollars a transcation transcation of  XXXX  in  XXXX  Delaware and one for  XXXX  in Wisconsin
it says taht my XXXX card took a hard inquiry hit last XXXX, i didnt do this, why why would i need to i have plenty of money avail on taht card, please remove herd inquiry, wasnt me,
XXXX XXXX XXXX put collection on my credit reports without my knowledge and in doing so ; this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above  identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.
I have federal stafford loans from undergraduate and graduate degrees between XXXX, I have been repaying these loans continuously since that time. I recently started law school XXXX XXXX XXXX XXXX and FedLoan recently put my loans in deferment without first contacting me. The deferment prevented my autopayment from being applied and my loan balance ( and therefore interest ) increased. I have called XXXX times in order to have the loans put back into repayment, and still have no guarantee that it will remain that way. 

First, I spoke with XXXX XXXX XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX XXXX. She said that I would need to mail in a paper form in order to waive the deferment, she said that it could take several weeks for that paper form to be mailed to me and that there was no other way to put the loans back into repayment. The form did n't come and I called again. Second, I spoke with XXXX XXXX XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX XXXX. She said that she could process the deferment waiver over the phone and did so then and there. After working with her, my loans were placed back in repayment and my regular autopayment was scheduled. 

Yesterday ( XXXX/XXXX/XXXX ) I received an email stating that my loans were placed back in deferment, I called again and spoke with XXXX ( XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX PT. She said that the computer system will automatically reset the account to deferment, per XXXX XXXX XXXX rules, and that she could put it into repayment, but that it might be changed back again. I told her that this was unacceptable and a waste of my time to be calling, waiting on hold, and asking my account to be continually switched back into repayment. She said that it was the way the computers were set up and that there was nothing to be done about this. 

This is an unacceptable answer. XXXX charges me thousands of dollars every year for the pleasure of servicing my loans, and the least they can do is follow the law and do what borrowers ask them to do the first time. If their computer systems are set up improperly, they are responsible for fixing them. This is the last time I will be calling. If I continue to have further issues with my loans being placed in deferment, and autopayments being missed, I will not hesitate to refinance my loans with another servicer.
I received an email from the payroll department at where I work and they told me : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX : Tuesday, XX/XX/2015Subject : Request to speak with the payroll department about an employeeTo : XXXX XXXX, Got a call for you from the below company. They were trying to get funds garnished from your wages with the firm. I told them you were a XXXX and they said they will do a Release in Doubt. Not sure what the heck this is but thought you should know. 
XXXX XXXXTrans World Systems ( debt collector ) Ref # XXXX have no knowledge of a debt to Trans World Systems. They threatened to do a wage garnishment when they have not sued me nor do they have a judgment. 

This is illegal, deceptive and contacting 3rd parties about some debt and claiming that they will do a wage garnishment is completely illegal They need to be investigated.
Experian has repeatedly violated my rights under the FCRA as well as the XXXX. Below is a list of violations which should suffice for cause to investigate Experian : 1. ) I submitted a written dispute via certified mail which was received by Experian on XXXX, and in violation of the Fair Credit Reporting Act Section 611, Experian never provided written response to my dispute. 

2. ) I submitted a written dispute via certified mail which was received by Experian on XXXX, and in violation of the Fair Credit Reporting Act Section 611, Experian never provided written response to my dispute. 

3. ) I submitted a written dispute via certified mail which was received by Experian on XXXX regarding a data furnisher XXXX who was including my SSN in the account number of an account on my credit report, which does not comply with XXXX guidelines in the XXXX Credit Reporting Resource Guide ( CRRG ) ( which is aimed to protect my rights under the Gramm Leach Bliley Act 's Safeguard Rule ) of protecting my non-public personal information by ensuring my SSN ( in whole or in part ) is not unmasked within a tradeline 's account number. I stated if Experian did not respond to this dispute ( as they had not the last 2 times ), I would file a complaint and sue. Experian replied, and did not comply with XXXX guidelines aimed at complying with Gramm Leach Bliley Act 's Safeguards Rule, and mask/scramble my SSN in the account number. My account number has not been updated, and my SSN is still unmasked in the account number in part for that account. 

Due to multiple violations of my rights under both the FCRA and XXXX, I 'm reporting Experian as a major offender of consumer rights. It is also my strong contention that Experian is NOT verifying information with the data furnisher as they are required via the FCRA through the XXXX system. My contention of this is due to the fact that 1. ) They have provided no proof they have submitted an ACDV to the data furnisher XXXX to verify/update my account, and XXXX. ) Any disputes of this particular account through any of the other credit bureaus ( XXXX, XXXX, and XXXX ), have indicated that XXXX has NOT RESPONDED to the XXXX, leading to a deletion of the account. 
Therefore, pending proof of Experian 's XXXX record of disputing this account with the data furnisher, I content they have not verified my dispute with the data furnisher, for which they are required to do per the FCRA, and in turn significantly violating my consumer rights under the FCRA rights. Otherwise, due to no response from the data furnisher, this account should have ultimately been deleted. 

I can supply documentation for all of the above upon request.
On XXXX XXXX I checked my credit report and all of my inquries were gone. I logged in today and they are back and my score went down,