WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  FL XXXX TODAYS DATE :XX/XX/XXXXATTENTION 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 XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I receive multiple phone calls from XXXX till XXXX sometimes everyday if I dont pick up. 
I have a DO NOT Call at work on my account and they have called me at work.
On Monday, XXXX XXXX, XXXX I contacted XXXX XXXX XXXX to take advantage of a promotional offer regarding 0 % interest on balance transfers. I asked XXXX  XXXX XXXX to cancel a pending balance transfer to Chase Bank that had not yet been initiated. XXXX XXXX XXXX informed me that it was not a problem, told me the transfer was being canceled, and proceeded to take down information on the correct transfers. I was notified Tuesday or Wednesday that some balance transfers had been processed. When I did not see the transfers reflected on the appropriate accounts, I looked into my XXXX XXXX XXXX account to check the status. When I looked, I found that XXXX XXXX XXXX had not canceled the transfer to Chase Bank, but had instead sent {$3400.00} to Chase in error. I immediately began trying to get this corrected. 

After several hours of phone calls, a Chase Bank representative, XXXX, told me that because the transaction was a balance transfer, Chase Bank could not cancel the transaction from being applied to my account and could not refund or return the money to the sender. At this time and the time of that conversation, the money has been sent by XXXX XXXX XXXX but has not been received by Chase Bank. Chase Bank 's position does not add up. I have not been told how or why the transfer must be applied to my account, no exceptions, no refunds. I have told Chase Bank repeatedly that the money was sent in error and that I do not want that payment applied to my account. XXXX XXXX XXXX has contacted Chase Bank with me on the phone and told Chase Bank that they ( XXXX XXXX had a system error and that the transfer was a mistake. All I want is for the transaction of {$3400.00} be returned to XXXX and not applied to my account with XXXX. I do n't understand why this would be so complicated. I will still owe XXXX the full amount on the credit account, XXXX will collect more money in interest, and I 'm not a risk for bankruptcy.
An account is appearing on my credit report that is not mine. It is listed from " Regions BK/ XXXX XXXX and has a balance of {$5900.00}. I have no connection to this bank, have never taken out a loan or credit line from them, have never received billing from them, and have never paid them. This account is fraudulent and needs to be removed from my credit report.
I initially sent a dispute as the info on my Experian Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureaus. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or 3rd party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XX/XX/2016 not XX/XX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XX/XX/2016.. This items should be removed. 

Thanks in advance for your help in resolving this matter.
On XX/XX/XXXX I filed a dispute of a charge by XXXX XXXX. On XX/XX/XXXX, I had purchased two XXXX XXXX shoes and a vintage coat for a total of {$490.00} using paypal credit. When I received the first pair of shoes, as all items shipped separately, they were obvious fakes, so I returned them on XX/XX/XXXX, out of pocket and return receipt requested because the company states they do not accept returns. The company continued to try to ship both shoes to me and I refused all following deliveries with XXXX from the company. I received notice from the company that the coat was no longer available, and they would refund me for this item. 

I have sent paypal a copy of the receipt from the post office. I've tried to forward the emails from the company about the coat, and confirmation that the shoes could not be delivered, but paypal does not accept .doc files. I tried copy and pasting all this info into their message center, but their message center does not work properly. I have contacted paypal numerous times about this issue. On XX/XX/XXXX, paypal closed my case, stating they had decided in the vendors favor. 

I appealed the case the same day, talked to a XXXX from the resolution center, who helped me upload the receipt for the return again. Paypal is aware that I have none of the items purchased in my possession. I've just on XX/XX/XXXX received notice from the by email that they have closed my case again, per my instructions. I have never instructed them to close the case.

Paypal has stone walled me at every point about this dispute and it is clear that contacting them again will be fruitless.
On XX/XX/XXXX, I acquired a residential mortgage for my condominium and made a 10 % down payment. 

On XX/XX/XXXX, Wells Fargo Home Mortgage ( Wells Fargo ) sent a letter in response to my inquiry regarding cancellation of premium mortgage insurance ( PMI ) ( attached as exhibit 1 ). 

On XX/XX/XXXX, I deposited in the U.S. Mail, a certified letter addressed to Wells Fargo and titled " Borrowers Request to Cancel PMI for Loan No : XXXX '' ( attached as exhibit 2 ). The letter entails that : ( i ) I request cancellation of PMI in connection with my residential mortgage ; ( ii ) payments are current since I acquired the loan and I have no late payments ; ( iii ) the property is not encumbered by a subordinate lien ; and ( iv ) the value of the property has not declined below the original value/purchase price. 

The letter further indicates that I did not clearly understand the terms of Wells Fargos PMI cancellation requirements. Specifically, option # 2s requirement to pay {$11000.00} in support of 80/20 loan-to-value ( LTV ) ratio. Prior to expending {$600.00} on Wells Fargo 's exclusive appraiser, I provided a detailed example in my letter requesting clarification on the the formula used to calculate the LTV ratio in option # 2. 

On XX/XX/XXXX, I called the Wells Fargo PMI Department and was verbally advised that even if the appraisal yields a current market value that causes the LTV to be less than 80 %, I am still required to pay {$11000.00} in order to cancel PMI. 

In order to establish the final element of the Homeowner 's Protection Act of 1998, that the value of my property has not declined below the original value, I am required to order an appraisal, which is a non-issue. The issue I am concerned with is Wells Fargos representation that even if the appraisal yields a current market value that causes the LTV to be less than 80 %, I am still required to pay {$11000.00} in order to cancel PMI. Based on this representation, I have not yet purchased the {$600.00} appraisal. 

I believe Wells Fargos policy conflicts with the HPA of 1998 because Wells Fargo refuses to consider the current market value and increased equity of the home in its assessment of LTV. Rather, Wells Fargo has represented that the LTV is based on the original value of the home ( purchase price of {$130000.00} ) compared to the current balance of the loan ( {$120000.00} ). This particular formula causes the LTV to be greater than 80 % and only benefits Wells Fargos interest in maintaining PMI on the property. As a licensed XXXX XXXX XXXX in Nevada, I have examined comparable properties in the same neighborhood yielding a current mean price of {$170000.00}. Based on what appears to be the current market value of my condominium ( {$170000.00} ) compared to the current balance of the loan ( {$120000.00} ), my LTV appears to be less than 80 %, contingent upon appraisal. Here, a dispute has arisen as to whether the LTV should be determined based on the original value of the property or whether the LTV should be determined based on the propertys current market value. The HPA of 1998 does not specify which value to use in determining LTV ratio.
American Express refuses to close a Premier Rewards Gold Card. My wife and I close the card, and then American Express claims there are fees ( seemingly a random amount ) that accrued post closing, and seeks payment on them. 
First, Am Ex stopped sending us bills. We discovered this in XXXX, and made XXXX payments to pay off the card and asked that it be closed. We indicated at that time our complaint that we had not received a bill for what appeared to be the last couple months. 
In XX/XX/XXXX, we received a letter stating that the card had been deactivated, and we should activate an enclosed new card if we wanted to make charges. We did not activate the new card. 
Sometime in XX/XX/XXXX, we learned that Am Ex believed there was a balance on our original card. We called and were informed that an annual fee had been assessed. We repeated our desire to close the account, and the representative told us that the annual fee was waived and the account closed. 
On XX/XX/XXXX, we received an email indicating that the account was closed. 
Next, we received an XX/XX/XXXX letter indicating that {$76.00} was due on the account. That was followed by an XXXX statement claiming an {$190.00} balance. 
We called Am Ex on XX/XX/XXXX. We were first told that our balance on the card was {$19.00} and stemmed from a charge from XX/XX/2014. We told Am Ex that such information could not be correct because we paid off the balance since then, and had closed the account. Then, in the same phone call, we were told that the balance was {$75.00} and stemmed from a charge from XXXX from XXXX. We did work with that merchant, and recognized that it was at least possible that they place a charge on this account in error, since this account had been used previously. However, we were concerned that any charge would have been accepted on a closed account. We were then transferred to another XXXX Ex employee who now claimed that we owed {$76.00} on the account. That being the fourth sum quoted to us in this XXXX call, we discontinued the discussion. 
The next day we called the merchant XXXX XXXX. They indicated that they had placed a charge on this XXXX Ex account, but reversed it and billed a separate account. 
We closed this Am Ex account in XXXX. We have authorized no new charges on this account, and have refused to activate the replacement card sent to us. In response, Am Ex has sought to collect wildly variable amounts of money from us on this closed account. 
We ask that the account be correctly coded as closed and paid in full. We ask that written confirmation of that status be sent to us. This zombie card needs to be killed for good, with no possibility of repeating these returns from the grave. 
The written communication we could easily find is enclosed with this complaint.
My account has been set up on auto pay for years. All of a sudden, I log in and the account is overdue. When I reached out to Capital One they said that they did not try to send me an alert because my email was old. WHAT??!! So instead of picking up the phone and calling, they did nothing - except charge me an overage fee on XX/XX/XXXX and XX/XX/XXXX. {$39.00} and {$25.00} respectively Good luck getting ahold of these people. For reasons unknown they actually dont have an email function ( yes, in 2018, no secure email ) or a chat function and they try to dump you in 1-800 XXXX. After spending 20 minutes trying to find a way to get ahold of them I messaged them on Facebook ( so sad that anyone should have to resort to that ) and they sent me a link for a chat. 

The representative was very unhelpful ( conversation is attached ) and transfered me to an equally unhelpful, unapologetic manager.  When I voiced my concerns about the damage to my credit report his response was that the account has been late 14 times since it was opened. Are you serious? It was opened when I was in college over a decade + ago, so yes, since then I have cleaned up my credit. How is that an approrpiate response to the problem that we have at hand today? NOW my credit score is over XXXX because I have made sure everything is paid on time. Or it was before Capital One messed it up. 

They did update my email so they can now email me if a payment is overdue ( which I had no idea they were unable to do - my email never changed or bounced anything back ) and they did not pick up the phone to call me to alert me to this payment being due. If the alert system did not work ( which they admit ) it seems reasonable that the auto pay system might have glitched too and this has now damaged my credit.
In XXXX 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent credit card application using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with Experian, XXXX, and XXXX. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus ' job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!
I have a {$5000.00} line of credit from a company called XXXX XXXX. I had to pay to join this club and have been member since XX/XX/2015. In recent past the company changed owners. This account somehow was dropped from my Equifax report causing my credit score to drop over XXXX points. I contacted the company who said they would send through an update so credit bureau had accurate info. The correct information is on my XXXX and XXXX reports put has not been reinstated on my equifax report which has negatively impacted my report
I have disputed an inaccurate reported item from XXXX, through TransUnion, twice. 
At both occasions TransUnion is stating that as a result of the investigation, XXXX has verified the account information as accurately reporting. As a second step towards having this adverse innacurate item removed, I have contacted several times XXXX 's department of dispute ; 1., they are saying they no longer handles disputes sent to XXXX and 2., they are saying that TransUnion has never contacted them in regards to this specific matter. 
In order to take a 3rd step towards XXXX and file a law suit, I need documentation from TransUnion showing that the investigation has been done, and what steps were involved during the investigation. However, TransUnion 's head department is refusing to provide me with any documentation showing the steps taking towards this dispute 's investigation, and at one instance I was even told that there 's no investigation, they only send a courtesy email to the creditor asking to review the information reported.
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX, XXXX XXXX XXXX  ( duplicate on my credit report ), XXXX XXXX ( duplicate on my credit report ), XXXX XXXX XXXX ( duplicate on my credit report ) XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX  ( multiple entries on my credit report ), XXXX XXXX XXXX XXXX  ( multiple entries on my credit report ) , XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX XXXX XXXX, XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( showing duplicate on my credit report ), and Chapter XXXX Bankruptcy XXXX
I would like this debt to be verified. I do not have a contract with Phoenix financial service in I would this debt to be Verfied
XXXX XXXX XXXX I took a HELOC with Bank of America XXXX. {$50000.00}. 
XXXX XXXX XXXX I sold house. 
Did not use HELOC {$50000.00} Bank of America closed balance XXXX letter to title co. 
Moved to XXXX with daughter XX/XX/XXXXMet with new rep wealth management Bank of America in XXXX to transfer assets from XXXX chkg and saving accounts to new address with daughter. During that mtg I inquired on using monies from assets advised a penalty but could take a personal loan out using assets, XXXX XXXX took personal loan for {$50000.00}. payments from ckg account $ XXXX % XXXX Was XXXX for months. upon return I was notified a LIEN ON PROPERTY XXXX CALLED BANK IMMEDIATELY TO CORRECT XXXX. 
BofA closed old account changed % XXXX but continue to keep as HELOC and LIEN ON PROPERTY .... FOR PAST 8+ YEARS HAVE TRIED TO CORRECT THIS WITH NO AVAIL IN XXXX BOA FINALLY TOOK OFF LIEN AND NOW STATE IT IS A UNSECURED LOAN WITH INTEREST PAYMENTS FOR 180 months ( 10 YEARS ) I HAVE SEVERAL LETTERS FROM REPRESENATIVES WITH DIFFERENT STORIES ABOUT THIS SITUATION BUT ALWAYS ENDING WITH THE SAME DOCUMENT SIGNED IN XXXX AS BINDING LEGAL DOCUMENT ... EVEN THE CEO OFFICE ADVOCATES COULD NOT GET IT STRAIGHT NO LIEN YES A LIEN NO HELOC YES HELOC PLEASE HELP ME I HAVE EVEN HAD MY XXXX AND PRIMARY DOCTOR WRITE AND ASKED TO RESOLCVE THIS AS IT IS MAKING ME ILL. MY HUSBAND WAS AXXXX YEARS XXXX WHO PASSED IN XXXX XXXX HE SERVED A TOTAL OF XXXX XXXX YEARS FOR OUR COUNTRY HIGHLY DECORATED I HAVE TOLD BANK OF AMERICA MY INTENTION HAS ALWAYS BEEN TO PAY THIS THIS IS NOT MY DISPUTE BUT THE WAY IT HAS BEEN HANDLED NOT TO MENTION THE AMOUNT TO BE PAID THEY CHANGE THE AMOUNT FROM {$430.00} TO $ XXXXNOW THEY SAY I LIED TO THEM I SOLD A HOUSE DID NOT TELL THEM. ALSO THEY CONTINUE TO SEND XXXX FOR WHAT? PLEASE FEEL FREE TO CONTACT ME IF YOU NEED ANY ADDITIONAL INFORMATION. EVERYONE I ASK FOR HELP TELLS ME BANK OF AMERICA IS TOO BIG TO PLAY WITH ... THANK YOU IN ADVANCE FOR YOUR CONSIDERATION IN THIS MATTER ... XXXX
XXXX XXXX. is reporting a zombie debt as an open collection/charge off to the Equifax credit bureau. The debt was charged off in XXXX XXXX and last payment activity was XXXX XXXX. This debt is six years old and past the state of Maryland and Virginia statute of limitations and thus the creditor, XXXX XXXX XXXX can no longer actively collect ( have collection activity ) on this debt. The correct status of this debt is closed account/charge off. This account should not be reported as an open collection by XXXX XXXX. I called XXXX XXXX A. on XXXX on Tuesday, XXXX/XXXX/XXXX at XXXX, and spoke with a customer service representative in the Recovery Department and she too verified that XXXX can no longer collect on this debt for the state statue of limitations has been exceeded. Thus it does not make sense for this debt to have a status of open collections.
I have been trying to refinance my home with Citibank/Citimortgage ( also my current lender for the present mortgage ) for 6 months. On Monday, XX/XX/XXXX, I received a closing disclosure showing terms, closing costs, and cash out to me. I signed acceptance and returned the disclosure to the company. Closing was scheduled for XX/XX/XXXX at XXXX at my residence. Upon arrival, the freelance notary Citi sent to conduct the closing had a different document than the one I agreed to on XX/XX/XXXX, despite the cover letter for the disclosure saying, exactly " This will be the same document you will receive during the loan closing. '' The actual closing doc showed closing costs $ XXXX+ higher than the disclosure, and my cash out $ XXXX+ lower. Citi knows I am on a tight time schedule and has taken this refinance down to almost the very last days ( I must release my ex-husband from the loan no later than XXXX/XXXX/16 ). I signed at closing so as not to delay the loan and risk falling out of our legally determined arrangement, but I both called and emailed Citi today requesting explanation and received no response. My Citi representative knew that cash out was important to me in order to make needed repairs on the property.
I have asked Doctors Business Bureau to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.