WillisBack/dataset-financial-user-claim huggingface dataset:
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOBXX/XX/XXXXSOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX 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 XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOBXX/XX/XXXXSOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
I withdrew {$340.00} from coinbase on XX/XX/XXXX and have not received it. I have submitted a case to coinbase on XX/XX/XXXX and still have not heard anything
I noticed some unauthorized and unknown inquiries on my credit report. Please remove these unauthorized inquiries because they are negatively affecting my credit report. The unauthorized inquiries are : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Upon a credit check review for a mortgage qualification I was made aware of a collection account for Security Credit Services in the amount of {$1100.00}. I contacted Security Credit Services to get more information and was transferred to   XXXX   XXXX   XXXX   XXXX  . The little information I was able to find out is the following : On XX/XX/XXXX  someone opened a  XXXX  account under one of my old names.   XXXX   transferred the account to   XXXX   XXXX    who sold it to Security Credit Services which hired   XXXX   XXXX   XXXX   XXXX  . I told both   XXXX   XXXX   XXXX   & Security Credit Services that I never purchased or did business with   XXXX    and that the name used to open the account in   XXXX   has n't been my legal name since  XXXX . I have asked both companies to provide me account documentation and to date nothing has been received. Also called  XXXX  and they showed no record of an account. I have filed an Identity Theft report with the FTC and a Police Report.
My daughter and I have retained an attorney ( XXXX XXXX XXXX ) to ( 1 ) attempt to negotiate a pre-litigation settlements of our debts and ( 2 ) litigate the matter if necessary. Navient, the the third party servicer for a yet to be identified student loan trust, is very aware of XXXX XXXX 's involvement in our affair and Navient has been advised he is our counsel. We are also aware Navient has spoken directly with XXXX XXXX and his staff. However, it is our understanding Navient is refusing to negotiate in good faith. MY DAUGHTER AND MY particular complaint herein is NAVIENT IS REFUSING TO DISCONTINUE DIRECT CONTACT WITH US because XXXX XXXX is not simply accepting they insistence we pay XXXX % of the debt owed immediately. As a debt collector for the student loan trust, I belive NAVIENT IS VIOLATING THE FDCPA 's provisions that a debt collector must cease direct communications when they know or have reason to believe we are represented by counsel. They should not be allowed to ignore my attorney and/or not speak with him when they do not like what he is saying. Moreover, they fact he is simply not agreeing with him does not mean we are unrepresented. XXXX XXXX is our attorney until we complete litigation is necessary. Therefore, NAVIENT is knowingly and malicious disregarding the provision of federal collection law.
According to a new collections account on my credit report from Midwest Recovery Systems, I apparently took out a payday loan from XXXX XXXX on XXXX XXXX, 2012 and defaulted on it in XXXX. I am contesting that this is inaccurate, I never took said loan. This fraudulent activity is now part of my credit report and is a misrepresentation of my score. In addition, Midwest Recovery Systems never sent correspondence to our address prior to reporting it to the credit bureaus. As a matter of fact, I have never heard of either company before, and am reading nothing but complaints and investigations involving this same type of situation. Midwest claims to be a XXXX party collection agency that reports to the credit bureaus, and apparently continues to get away with scamming innocent consumers.
On XX/XX/2018 at around XXXX XXXX EST I got a text message saying that I was approved for a loan from a company called XXXX XXXX XXXX from a number of XXXX, the person signed it as XXXX XXXX. I called to obtain the loan and during the process the rep, who sounded like a foreign agent asked me for my online banking user name and password to verify if the funds were deposited. I provided it to him and he repeatedly told that it wouldn't allow him to log in and I verified it multiple times with him. He placed me on a very long hold and when he came back I asked if this was a scam and he said no its not and then hung up on me. I immediately changed the password to my online banking account. Please do something so that this person doesn't scam someone else.
As starters, the U.S. Bankruptcy Court provided me with a letter that was forwarded to Transunion which clearly states they DO NOT report to Credit Agencies. In addition, the public record does n't does not list a FULL social security number ( last 4 numbers only ), the address on the bankruptcy does n't below to me and I never lived there, and it 's not an exact match to prove my identity for it to be reporting on my credit file. I tired 4 times to dispute the issue on dates ( s )XX/XX/XXXX and XX/XX/XXXX. I am a victim of identity theft which is also listed in their records but they are still not in compliance with removing information they are not able to truly verify. Their erroneous mistake is causing a nightmare in my life. When I verbally spoke to representatives today in their fraud dept.XX/XX/XXXX, they were very rude, and hanging up on me. And was advised, " ... The information does n't have to match, the name and last 4 digits of  the ssn that they are able to see are good enough ... '' Please make this company follow the guidelines, and REMOVE this Public Record from my credit profile ASAP. They are the only credit bureau that is listing it.
I had a XXXX XXXX credit card. It was a secured card. I was unemployed and tried to catch up on payments and work out a payment plan to keep the card open but they refused and sent me to collections. This account is now closed and they are demanding payment. It is with XXXX XXXX.
In XXXX Bank of America responded stating that they had assigned me a resolution specialist, XXXX XXXX XXXX, and that I should make contact with her. I called the number ( XXXX ) a total of five times, and I left voice messages. No one ever contacted me, or responded to my calls. I recently received a letter via XXXX stating that I did not take advantage of the assistance from their company. This was not the case. Bank of America has a way of making their customers appear as being the wrong-doer. Bank of America appear that they are helping their customers, but in reality they are not. It is not by coincidence that there are many customers who are dealing with or who have the same experience with Bank of America as I have. 
In addition, I was a victim when I received this adjustable mortgage. I was part of the bad mortgages that was being approved back in XXXX when Countrywide sold my mortgage to Bank of America. I 'm XXXX with a reliable job, and is capable of making a reasonable mortgage payment as I always did prior to XXXX when my terms changed. The person who sold me my home ( XXXX XXXX ) who worked with the broker to get me such mortgage is now serving prison time in a federal prison for mortgage fraud. I feel that Countrywide and Bank of America knew what they were doing when they approved these adjustable mortgages to later foreclose on people 's homes.
Called collection agency and telephone operator would not listen, consistently said that I was not making sense because I was XXXX XXXX. Harassed me about my XXXX XXXX any time I tried to present my case. She said that I was so XXXX XXXX that I was " not comprehending. '' This is was only a tactic used to invalidate my concerns. She used my XXXX against me rather than taking reasonable time and energy to understand what I was saying. 

What I was trying to say was that management had told me to call the police on my neighbor without any good reason. They wanted me to help illegally evict my neighbor. They told me he was dangerous and told me to " be safe. '' It precipitated psychosis. They never returned my phone calls or tried to resolve the matter after several attempts I made trying to contact them. They just turned everything over to a debt collector without trying to work things out. I did everything I could to take care of the matter, but they told me to call the police and that was manipulative and wrong. It made me mentally unstable and unable to continue living there. I had to go into the hospital and was unable to return to the apartment.
On XXXX XXXX,2017 I received a notification from the credit monitoring site that a new collection account has been added to my credit report. Being that I have been a victim of the identify thief twice this was very alarming to me. The debt collector Premiere sent me notification of an alleged debt in which I followed up in writing within the 30 day window to dispute this alleged debt. Not only did I dispute this debt in writing I also requested that they provide me with copies of medical records and statements from the original credit. I took it upon myself to also reach out to the original creditor XXXX XXXX XXXX XXXX and request the same information in question. After disputing this alledge debt with Premiere and the original creditor, I also sent over proof of identify theif. The original creditor agreed that this account was linked to fraud and deceased collection attempts. Premiere on the other has violated my rights under the fair debt collection practices act section 809 which states I have the right to dispute this debt within 30 days and I also have the right to request proof of the alleged debt of which contains my signature. Premiere is unable to provide this information because it does not exist! I request that all collection attempts and negative reporting to all credit bureaus cease immediately before I seek legal action!
I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there have been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me.
I have been appoved for refinancing my primary residence from FHA loan to Conventional loan. I provided all documents that was required : income verification, bank statements Social security number verification, retirements awards, income tax statements. I am XXXX worked in USA for 20 years, I have 2 homes XXXX/XXXX in America. I got injured at work and was forced to retired. I am in XXXX temporary to do XXXX XXXX course so I can start the XXXX XXXX which is incorporated. My corporate lawyer sent a letter to verify who I was including my accountant. I was told I need more prove to come back and live in USA. I am a singlemom with a XXXX XXXX XXXX going to college and living in my house. I was asked to verify my son 's XXXX and the Regional Center provided the documents meamwhile my son is not on the loan. I felt exploit and discriminated. I even went to XXXX XXXX website that provide exclusion for people with XXXX to stay in their primary residence. All documents to support mt eligibility were sent with no avail. Very good credit score, income verification and source, Consumers rights. In California the source of verifing your address is bill statement, drivers licence and parcel assessment to verify your residency is provided. This is my Primary Residence housing my American Child with XXXX.
I have never done business with XXXX XXXX XXXX XXXX. I do not have a signed contract not any contract with XXXX XXXX XXXX XXXX, I have the right to demand a copy of any contract between XXXX XXXX XXXX and myself.
PNC Bank said on XXXX, XXXX that I was eligible for an extension since I was never late making payments on the loan. I would not be able to work for 2 months beginning XXXX, XXXX due to major XXXX procedure. Without my knowledge I had received a letter dated XXXX XXXX that I was not approved because of a resolution not put in by the agent. I was told by XXXX in XXXX 2016 that I can email directly to expedite my re-request which they 're now denying ever happened for which I can prove. They 're charging me {$1000.00}, saying I 'm behind when I only skipped XXXX payment in hospital unaware of " non-approval ''. They reported me to the Credit Bureau and my score is now ruined. I spoke with XXXX manager XXXX. He said he tried but top people will not honor the agreement and are rushing me to sign another extension agreement in less than a week to rectify some charges but say that they are not willing to help me to get my negative credit report dissolved. He admits that it 's poor communication on their part with me, the consumer having to make all the effort while at the same time trying to recover from major XXXX and medicine.
I have been banking with SunTrust for over 30 years. My now XXXX husband and I opened an account for my son when he was a minor, with my husband and my name also on the account. My son is now XXXX years old and a college student at XXXX. My son 's student account was hacked and someone obtained his personal data. They used that data to make XXXX mobile deposits into my son 's account, then called his cell phone and told him they mistakenly deposited money into my son 's account and threatened to report him to the police if he did not wire the money to them immediately. My son panicked and went to the nearest SunTrust bank in XXXX, VA and withdrew {$3500.00}, and then went to an ATM to withdraw another {$1500.00}. He then wired the money to this person through XXXX XXXX. The mobile deposits were bogus and later were returned, leaving a negative {$5000.00} balance on my son 's SunTrust bank account. If SunTrust had followed basic security procedures, this fraud could have been prevented. If SunTrust had looked at the endorsements on the back of the bogus deposits, they would have seen that the endorsements did not match my son 's signature. Also, SunTrust should have never allowed my son to withdraw money from funds that had not cleared the bank yet. Since my name was still on my son 's account, SunTrust has demanded that I pay them the {$5000.00} back and have already taken {$1300.00} of that amount out of a Savings Account I had with them.
Please accept this formal request to provide me that certain written : Request to Terminate an Equity Line of Credit under N.C.G.S. 45-82.2 on any alleged account ( s ) relating to me secured by real property commonly know as XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX , NC XXXX and XXXX XXXX XXXX XXXX XXXX , NC XXXX. 

Thank you, XXXX XXXX Policyholder
I first sent the inquiry removal letter to each credit bureau and called. I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. When I reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission they just keep telling what a inquiry is. Please remove the inquiries on my Equifax report and XXXX report.
I applied for a checking and savings account with Wells Fargo Bank. They approved my application and opened up my checking accounts. A few days later they closed them with no explanation. I do not think it is right for them to approve and open checking/savings accounts and then close them within a few days. If Wells Fargo finds information on a customer that does not meet requirements for the bank, then they should not approve them at all. I was really needing this checking and savings account and they have not practiced professional business practices.
Citibank ( CBNA ) performed an unauthorized hard credit pull on my credit report which affected it XXXX points. I did not authorize this nor did I report a credit line increase ( even if I did, they have told me on the phone it would be a soft pull ).
I graduated from University  XXXX   XXXX  in  XXXX . I was going to go back and get my masters but decided I could n't and they still charged me of the semester which I have paid but it does n't show on my account online?? ... This amount was about {$1200.00}. When I graduated I was told by  XXXX   XXXX  that I did n't have to pay my loans for 2 years after I graduated so I did n't. My loans were disbursed  XXXX / XXXX / XXXX  I believe when Navient took over the loans Account #  XXXX   (  see attached documents ) for an unsubsidized and subsidized which I am not sure of the two and why they equal so much!! I have had a couple of financial hardships along the way but have made my best ability to pay and cooperate with the loan process. I am now in the graduated plan which is {$180.00} ( or more if I can afford it ) a month and manageable but the problem is there is over  XXXX  A DAY added in on interest!! This  XXXX  loan already has a 6.12 % interest rate and I am being added interest daily even though I am in good standing!! I do n't understand how when I pay I get all this extra interest rate and then the 6 % is HIGH alone!! I want to pay these because I borrowed the money but why do I have a subsidized AND an unsubsidized?? ... I also just paid them over {$700.00} because I had {$500.00} in uncured interest which hey ca n't tell me where that came from. But in order for me to see my loan amount go down I had to pay that and I have already accrued over  XXXX  dollars in interest since 2 days ago!! I 'm frustrated and I really need some answers!!     Also, I have a parent plus loan that was through  XXXX   XXXX  and now through Navient that is at 8 % interest!!  (  see attached ) I was n't old enough to get this loan in my name at the time of school so that is why it is in my mother 's name but I PAY it monthly. I am not on any payment plan because it is  XXXX  a month. I do n't understand how I am supposed to pay both of these and let alone pay the  XXXX  by itself after all the interest rate that 's tacked on!!     According to the attached documents if I pay according to their payment status I would pay $  XXXX  .THAT 'S OUTRAGEOUS!!      Please help me!!! I need to get some payment plan options better than this!! Navient is so unhelpful and ca n't point me in the right direction. They told me federal loans get tacked a daily interest rate and I 'm drowning here!!!
Refused to accept my insurance claim. Refused to allow for payments. Continues to call outside of XXXX-XXXX business hours. Has kept multiple paid accounts on credit report stating they would not remove until paid account.
I had a Chapter XXXX Bankruptsy filed on XX/XX/2008 and Discharged on XX/XX/2008. 
Equifax does not report the Discharge date, so I disputed this item and sent a copy of the Discharge to Equifax. 
Equifax did an investigation ( Confirmation # XXXX ) and upon completion still does not list the Discharge date and also now is reporting " Prior Disposition - Ch - XXXX '', which is NOT correct, I have never filed for or had a Ch-XXXX. 
So I disputed these XXXX items again ( Confirmation # XXXX ) and again sent a copy of the Discharge and Equifax is still not reporting the Discharge date and now is reporting " Prior Disposition - Ch - XXXX '', which is NOT correct, I have never filed for or had a Ch-XXXX.
Dear Sir, XX/XX/XXXX causing troubles to me by manipulating and tampering my credit report and showing closed account was open. Every time, they mention that there is a re-investigation and no results or evidence attached to the CFPB complaints response or I did not receive any evidence of their manipulation to my credit report. I have closed Individual Chase Credit card on XX/XX/2018. XXXX kept on manipulating my account and change the account closed status to XX/XX/2018 and XXXX kept on giving false information. I am going to submit all these credit reports and manipulation of closed account status to FBI and Honorable Courts. XXXX has committed the fraud and manipulated the closed accounts. At the same time, XXXX  did not provide the fraudulent investigations report and what reason they changed the closed account status from XX/XX/XXXX to XX/XX/XXXX without my notice and Chase Bank has given the written confirmation to CFPB that individual credit was closed on XX/XX/2018 and there are no credit cards were open on my name, what kind of fraudulent investigation was done by XXXX, no transparency and no evidence attached to the CFPB ' response. It means XXXX is a fraudulent credit bureau and they have tendency of manipulating closed accounts to open, change the status to everyday. I am going to call Federal Officer and also escalating the matter to court against XXXX and Chase. Could CFPB direct XXXX to update my individual credit card closed account date to XX/XX/2018.Could CFPB direct XXXX  to disclose the fraudulent re investigation evidences and results to me over the USPS and also upload to CFPB 's website, accordingly I will file a criminal case against CHASE and Investigation company for manipulating and tampering my closed accounts.
I opened a nordstrom account in XX/XX/XXXX before account changed in XX/XX/XXXXand did not receive notice. When using this card in XX/XX/XXXX transactions were reversed without any notice account was closed and Company open new account just to close it in XX/XX/XXXX terms and condition. Company will no longer give me original XX/XX/XXXX terms and conditions.