WillisBack/dataset-financial-user-claim huggingface dataset:
In accordance with FCRA & 650B paragraph ( a ), Equifax , XXXX, and XXXX, are required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Equifax , XXXX, and XXXX delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that XXXX, Equifax , and XXXX remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).
I took out a loan from Castle Payday, now XXXX XXXX XXXX. On XXXX/XXXX/16 I got approved for a loan for {$600.00}. It is my understanding that in Minnesota you have to be licensed to lend to residents. To date, I have paid {$330.00} in fees for a {$600.00} loan. I do not believe this company is legal to lend in Minnesota. They say they are governed by Tribal laws, but I do n't see how that can apply to someone who is n't living on the reservation.
I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The XXXX XXXX is reporting different on each credit bureau XXXX shows {$1000.00}. Experian shows {$0.00}. XXXX shows {$1000.00}. 

Each credit bureau shows a different date of last active. XXXX Shows XX/XX/XXXX. Experian shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA
I am writing you to request help to remove foreclosure from my credit score on all XXXX along with any negative comments. The reasons are as follows : 1. I was notified that I was included in a Class Action Suit against Wells Fargo Mortgage XXXX XXXX for an illegal mortgage. 
2. Wells Fargo knew I had an illegal mortgage from XXXX. Wells Fargo agreed and signed in Federal Court to modify all the mortgages that were included in the class action suit. 
3. I spent the next year trying to talk to them. I have names, times and dates if needed. 
4. I called XXXX XXXX XXXX XXXX and spoke with XXXX XXXX who asked " Why I never applied for a modification? '' I tried numerous times and was turned away repeatedly. I did finally get them to accept the application which apparently was not processed in a timely manner since XXXX XXXX had no record of it. 
5. At this point under the advice of my attorney, I stopped paying my mortgage, in hopes we would have an open honest conversation concerning correcting or modifying my mortgage. I did not write the mortgage agreement. The Bank wrote the mortgage agreement. It was their correction to make, not mine. 
6. I am enclosing a copy of a certified letter that states I am included in the class action suit. I am also enclosing a copy of the court record dated XXXX XXXX, XXXX It states that Wells Fargo was denied the right to foreclose on me. 
7. XXXX XXXX, my husband and I agreed to sell our house. We gave up, the stress was unbearable. 
8. On XXXX of XXXX, we closed on the sale of our home with a profit, not in foreclosure or in a short sale. Wells Fargo was paid in full. 
Wells Fargo 's lawyers and my lawyers were in contact with each other the whole time. 
They have ruined my credit. We were unable to buy or rent adequate and appropriate housing after selling our home. Five years Wells Fargo played games with apparently no intention of honoring their signed agreement in Federal Court to modify and correct the illegal mortgages. 
After 40 years making timely payments to mortgage banks, this has ruined my credit and reputation. I feel they have slandered my name and implied that I am not reliable. This has caused unbelievable financial damage and hardship to our family. 
I hope by sending you documented proof and informing you of the history, that you will be able to accomplish something that I could not. 
This is about correcting their report on my credit, removing anything negative from the report and damage to me.
XXXX XXXX XXXX says XXXX. And Equifax can not submit my credit. Send to to lock and alert which requires money and sends back to annual credit.
XXXX are trying to collect a debt which I do not owe. They are trying to collect a debt under two different account for the same company. I told the company that all debts and claims for XXXX has been fully resolved. They closed the 1st debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.
On XXXX XXXX, 2017, I informed Chase my wallet had been stolen with my credit cards, ID and Social Security card inside. After being on the phone for around 30 minutes the conclusion was they would cancel my card, refund amounts charged and send a new card. On XXXX XXXX, 2017, 18 days after reporting the theft, a bank teller at a Chase branch in XXXXXXXX allowed an individual who would have had no knowledge as to my bank account number to withdraw {$1000.00}. I as an individual live in XXXXXXXX and never use the branch to withdraw {$1000.00}. After reporting the theft on XXXX XXXX, 2017, Chase not only accused me of stealing my own money, but blamed me for not changing my bank account number, an option I was never given and frankly did n't believe I needed as nothing in my wallet had my Chase bank account information on it. Chase has informed me I must wait 30 business days while they investigate and I am unable to use MY money, and may NEVER get it back. Until then I will continue to rack up overdraft fees as bills are allowed to go through. If you have any questions please let me know. Thank you.
On XX/XX/XXXX i have made a complaint to CFPB about a collection Debt Recovery Placing previously deleted accounts on my credit file. 
On XX/XX/XXXX The company Debt Recovery has replied and closed the complaint stating they will remove the previously deleted accounts they have placed on my report. 
Today is XX/XX/XXXX. The accounts have not been removed.
Experian finished my complaint in less than 24 hours I do not believe they truly investigated it. I sent them documentation yesterday Monday ( XXXX/XXXX/16 ) after filing the complaint on Saturday. This morning at XXXX I received a response saying my case was closed. I would like for Experian to overlook the documents I sent them and then make a decision. I sent this to all XXXX credit bureau and they were the only XXXX to respond back this fast.
I received a check in the mail for about {$2000.00} and I deposited it in my account. My bank fulfilled the check 2 days later. I then withdrew a certain amount from that check and deposited it in another account. Another 2 days later, my balance is almost - {$1500.00}. It turns out that the check was fictitious and I was left to pay back money that was n't even mine.
my complain is about Bank of America. when I open my account they told me there was no fee if I keep certain restriction. I have met them. one of two on my account I only keep to pay my insurance and the other one was keep the change account. I would transfer certain amount of money in the account that pay my insurance. my checking account met all the restriction that they require that they don't charge a fee. when I finally look on my statement I call them about the fees they told me that the fees started from last XX/XX/XXXX. if I did know about these fee I wound have close the accounts like I did today because I did not need them. I know I'm not the only one who is having this problem with the banking fees. they are having people open unnecessary accounts and turning around and charging them.
This debt showed up about an apartment I had over 2 years ago. When I called the company to ask for details they said this was for services rendered like trash removal and spraying for cat pee. This was a XXXX sq foot apartment. Even if it was full of stuff ( which it was not ) it could n't be that much. I did not have a cat in the apartment. When I ask why no communication was sent to me at my new apartment ( the apartment had new address as part of move out pw ) they said everything was sent to the address of my old apartment they were showing a debt for. I ask for paperwork proving this is my debt and I have yet to receive anything from them. I have done everything I can do to resolve it in good faith. This is just wrong. I was never given anything about this charge and now I cant get it off my credit report.
Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$50.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxxxxxxxxxx XXXX Creditor Classification Medical or Health Care Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX amoun Comments : I had medical insurance through XXXX that covered this procedure. I was not sent or called with a payment request. billed or notified. Upon finding out about this bill while checking my credit I called designed Receivable Solutions I was told that it would be removed if I paid {$50.00}. I insisted that I was not familiar with this bill and I wanted to dispute it. I was informed that I should just pay the bill and it would be removed. I paid and 3 years later the collection account is still showing up on my credit report. 
Medical
Received threatening call at my place of work. Caller identified himself as XXXX XXXX from XXXX XXXX. He verbally called me names such as " XXXX '' " Lying XXXX ''. Threatened to garnish wages, sue for total of {$15000.00} when judgment only states {$5000.00} and not mentioning of any current legal law suit or legal documents to state his facts. Furthermore, I verbally requested for them not contact me at work or during working hours and verbally requested all notifications to be done via letters by usps mail ; however, they keep calling. Collector stated that he does n't have to contact via mail and that he can do whatever he wants. I am concerned for my well being and mental health if this does n't get resolved ASAP.
Violation of personal financial privacy. 

I have been banking with Bank of the West for several years. I used an ATM card to view my account, pay my mortgage and transfer money from one account to another. Recently, Bank of the West replaced all the ATM cards of their customers with debit cards affiliated with Mastercard. I verbally complained to the XXXX Branch that I do not want that service as it made my checking and savings account vulnerable to fraud. I was told that it is now company policy to issue only debit cards as Bank of the West signed an agreement with Mastercard. 

Bank of the West has provided my personal financial information to an outside company. Bank of the West did not provide an opt out of replacing my ATM card with a debit card. 

I filed a complaint the the California Office of the Attorney General
This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from Southwest Recovery Services for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and learned this is for a rental debt owed in the city of XXXX XXXX, VA in which I have never been a resident of that city. This debt was fraudulently placed on my report without my consent. I've requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. 
Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.
I just turned XXXX, ( fresh out of highschool ), i tried to get an apartment close to my college and they denied me. One reason is because years ago someone took out a MORTGAGE LOAN in my name, I am only XXXX so it was when i was an illegal age to consent for anything. I do n't know how they did it, but they did and i plan on taking legal actions against the person, and the bank who did not do a good enough identity check.
PayPal has unfair business practices. I became aware of a past due balance on an old PayPal account that I didn't need anymore. When I tried to log into my account to pay the balance it kept saying there was an error on PayPal 's side and to keep trying. When I looked on their website for an email address to contact them when I clicked on the link it took me to a page asking me to log into my account ( which I couldn't do ). There are no phone numbers on their website but I googled and found a number and called them. When you call the automated message askes for the phone number associated with the account. My account was so old I don't remember the phone number I would have used so I tried to ask for representative but it just kept asking for it. After trying many times I finally found a way around the automated attendant and got someone on the phone who told me my account was locked. How am I supposed to pay the past due balance if they lock my account? When I said I wanted to pay the balance due and then close the account I was told I would have to be transered. As soon as I was transfered the phone went dead. This happened several times and after repeated attempts I got to someone who would take my credit card info to pay the balance but once the balance was paid they told me it would take 3-5 business days before they would unlock the account for me to close the account. I spend 3 days of my life just trying to get through to them to get the balance paid and close the account but it seems like every step they purposely make it hard so they can keep the account going to continue to collect fees.
HELLO THANK YOU MY PROBLEM IS FOR THE PAST 4 MONTHS IM NOT EXAGGERATING EVERY SINGLE WEEK I HAVE TO SPEND TIME ON THE PHONE CALLING ALL THE CREDIT REPORTING AGENCY BECAUSE A FRAUD ALERT GETS DDED ON MY REPORT YES NOT DELETED BUT ADDED IT IS HINDERING ME FROM APPLYING FOR CREDIT I HAVE CONTACTED ALL 3 AGENCIES AT THE SAME TIME AS IM AWARE THAT ONE COMPANY IDENTIFIES AND COMMUNICATE WITH EACH OTHER RE FRAUD ALERT HOWEVER IN THIS CASE THEY ARE PLAYING THE BLAME GAME XXXX BLAMES EXPERIAN EXPERIAN BLAMES XXXX AND XXXX BLAMES XXXX ITS NEVER ENDING IT GETS REMOVED FOR LIKE 4 DAYS ONLY TO BE PLACED BACK ON THE REPORT AGAIN SO WHAT HAPPENS IS IF I TRY TO APPLY SOMEWHERE THEY AUTOMATICALLY DENY MY BECAUSE THERE IS A FRAUD ALERT ON MY REPORT I KNOW ITS MY RIGHT TO HAVE AN E=ALERT PLACED ON MY FILE HOWEVER THERE IS AN APARTMENT BUILDING THAT THERE POLICY IS NOT TO ACCEPT ANY ONE THAT HAS A NY KIND OF ALERT ON THERE FILE THEY JUST DO N'T WANT TO GO THRU THE PROCESS OF THAT SO THERE FOR I WANT FRAUD ALERT PERMANENTLY REMOVED AND THE ONLY WAY OR REASON THEY SHOULD PUT IT ON IS IF IT IS PLACED ON THERE FROM ME ONCE THEY HAVE IDENTIFIED ME AND NO ONE ELSE
Last year my student loans were transferred to Fedloan Servicing after I submitted paperwork to be part of the Public Service  Loan Forgiveness ( P SLF ) program. Since that time, Fedloan Servicing has begun to count my qualifying payments. However, they are counting only the qualifying payments I have made to them and not including those made to my previous loan service provider. My student loans were previously with  XXXX , during which time I made 12 qualifying payments. I have contacted Fedloan Servicing numerous times to request that the  XXXX  qualifying payments I made to  XXXX  be reflected in my account as qualifying payments. Each time I call I get a different story and a different explanation of the process. I want my 12 qualifying payments mad e to Nelnet to be r eflected in my account with Fedloan Servicing, this is something that should have been done automatically when my loans were transferred. Why would n't they have done this when my loans were transferred in the first place? Obviously the loans were transferred because I had qualified for the program! I do not wish to spend the ne xt 8 to  9 years dealing with this problem. Please help.
I called Equifax and disputed some old addresses from my report in which on  XXXX   XXXX  got my final response that my dispute was completed. All wrong addresses were deleted. Today  XXXX  I went online to add my current phone number all addresses that was already delete are still showing on my report. This credit bureau is totally messing me up and the process of me buying a home for my children. Their informations are not accurate and they are providing false complete dispute. I expect them to address this issue immediately and update my report accordingly and delete all inquiries that was deleted from another credit bureau. I have attached my document from  XXXX   XXXX  and  XXXX   XXXX .
USAA closed my bank acct effective XX/XX/XXXX, I have not yet received any notification that my account has been closed. the only communication is when I call them which was on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. they have only informed me to say that the will no longer be doing business with me and that my account was closed on XX/XX/XXXX. for potential fraud. I have since had Three XXXX checkecks that were deposited and recieved after and since my account was closed. the bank has stated that they will mail my funds to me on XX/XX/XXXX. I am a XXXX Veteren and I can not sustain life without my funds that they are holding. they have even stated that the decision is final and that is no person that I can talk to change them not giving my money and that I have no choice but to wait 60 days for them to send me a check. this is WRONG! 

I NEED HELP WITH THIS MATTER - THIS IS AN EMERGENCY AND IT SHOULD BE ILLEGAL
The XXXX XXXX XXXX people keep calling me and calling me about this debt. I sent a certified letter on XX/XX/XXXX asking for information and proof that I am suppose to owe all this money to XXXX for a best buy account. I ask for proof that I owe this ridiuculous amount this letter was sent and they returned it said undeliverable. I sent this to the address on the letter in which was on top of the letter, stating such. I have this proof but I can not download it to the computer. But if need be I can send it in. These people call me all times of day, night day after day and I wont it to stop. They are threating to turn this matter over to an attorney. I want this to cease until I am given proof about this XXXX dollar amount. I know as a fact I DONOT OWE XXXX!!!
I took out a loan from Tower Loan from a company who offered financing for furniture. I always speak with an employee named XXXX. I told her back in XX/XX/XXXX she could send the account to collections on MULTIPLE occasions, which she refuses to do so that the account continues to add interest. So out of fear of having a quadrupole balance I began to pay it down again. On XX/XX/XXXX, she called me at work ( and I have already asked on MULTIPLE occasions to NOT call me at work and the gentleman XXXX response was that my supervisor had to tell him, which is absolutely not the case in Illinois ) and told me I needed to make a payment. I told her I would make one on XX/XX/XXXX. She asked if the account would be paid in full and asked what the bakance would be and she replied {$190.00}. I said o.k. called today to pay the {$190.00} and she replied that the account balance is now {$210.00}. Late fees do apply, but she did not state that if it were paid on the XX/XX/XXXX what the actual balance would be. The late fee is {$10.00} a month so {$190.00} still makes no sense and attempting to speak with XXXX is impossible. She just yells and screams while making threats to take the furniture from my home all the while never listening to my concerns or questions. AVOID TOWER LOAN LIKE THE PLAGUE!!!!!
Dear sirs, My wife and I are being constantly harassed by this collection agency named First National Collection Bureau , Inc., located in XXXX, Nevada. The collection is for old credit cards which was discharged in bankruptcy some 20 years ago. And in which the statue of limitations has also run out. We have continuously sent them letters telling them to Cease and Desist all collection activities from us. And they just continue to do so. So I 'm contacting you to see if you can resolve this very annoying matter for us.They have been doing this to us for the last three years now. Thank you very much.
I have submitted XXXX and XXXX 2018 payments via the webpage where it states when the next month of the payment is due. 

They have taken my XXXX payment and applied it to principal instead of XXXX   2018 mort. payment That is not what I wanted or what was indicated on the webpage. They are demaning another payment for XXXX which I can not pay. 

The company refuses to acknowledge this misappropriation. 
Todays date is XXXX XX/XX/2018 Mr cooper mortgage company XXXX Loan # XXXX
After viewing and being inundated by television and repeated direct mail advertisements from Capital One, I decided to apply for their credit card in order to take advantage of their supposedly generous mileage offer. Both my wife and I maintain an " Excellent '' credit rating. To my surprise, Capital One summarily declined my application and to date, despite my repeated requests, has failed and refused to tell me why. I suggest that their advertisements are completely fraudulent and that they do not operate in good faith, and I would like their so-called " hard inquiry '' removed from my credit reports.
This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from XXXX was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on XXXX XXXX side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by XXXX to contact me on XX/XX/XXXXor XXXX as stated, this is simply a false statement.