WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Report and proof of my identity.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
I was in contract with XXXX in XX/XX/XXXX. Their report is the most accurate. Currently, XX/XX/XXXX when purchasing Experian {$39.00} credit report I discovered the following : 1 ) Experian 's reporting misinformation of XXXX current late payments. I do not have any late payments. 2 ) In addition has duplicate creditors reporting the same debts. 3 ). And restarting the date of debt as of XX/XX/XXXX, that was previously deleted or resolved and due to fall off the report in XX/XX/XXXX. XXXX XXXX XXXX is an example. 
Secondly to print an Experian credit report the consumer has to download Adobe software. A XXXX that links to the consumers computer. The Adobe software is an internet download, which we all know is risky. In addition, Adobe is upselling product with a very confusing format. The process predigests consumers who do not wish to install an internet product and who do not have the most updated computers that are compatible with this function. I own a XX/XX/XXXX XXXX and still was unable to print the report ( even with the download ). After several calls to customer service it 's unresolved. Please contact me for the member id number as I want to submit a copy of the report for your review.
i have 2 student loans for my 2 Master Degrees i had in my reports that i do not have to start payments until XX/XX/2016. 
In 2016 in XXXX i started receiving calls from XXXX XXXX and XXXX XXXX  saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit
Auto loan was for XXXX I was in good standing with the loan company for 51 months making monthly payments. 

Account charged off for XXXX which is more than the balance that i owe. 

The company is reporting incorrect terms of 84 months on some credit reports and then 81 months on other credit reports. 

My contract is a 72 month term. The charge off amount should be the amount that i owe on the loan according to the date of the last payment. 

Each month the company is reporting a different past due balance. 

Starting XX/XX/XXXX past due balance reported was XXXX XX/XX/XXXX reported twice to credit agencies a past due balance of XXXX and XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX Company states the last payment was maybe in XX/XX/XXXX Date of XXXX delinquency reported as XX/XX/XXXX Amount charged off is higher than the balance that i owe Amount charged off is higher than what the original loan was for I have disputed and asked for payment ledger without any response
I received a letter from Portfoilo recovery on XXXX/XXXX/2015 claiming I owed a bill, I sent a written dispute along with their dispute letter. They claimed they did n't receive it, however with speaking to reps from portfolio recovery they stated my account was in dispute, however I received a second letter regarding the same claim to collect money for the same claim that is in dispute. I have sent copies of the original dispute letter to Operation Manager by his request on XXXX/XXXX/15 after speaking to him on the phone. He replied to my email that it would be forwarded to the Vice President of the company, this alone shows proof that I disputed this claim upon receiving the XXXX letter. I have been called as well after disputing my claim. This is the 2nd time I have been contacted, once by phone and a second letter after submitting a dispute letter.
In or around XX/XX/XXXX or XXXXWells Fargo Home MortgageSent a letter stating we were behind about ( 3 ) months we promtly made copies and faxed receipts to them. 
We were told by a lady named XXXX '' Oh MY there is a discrepency here we need to further investigate '' Up untill XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ) Everything was fine. 
We were notified by mail and by phone we were behind {$2800.00}. We again faxed all documents and receipts as well as got {$3000.00} In money orders. ( XXXX XXXX ) ( XXXX ) {$500.00} XXXX XXXX Money orders. And sent in as well for their feesWe were again, notified That house was up for foreclosure sale. 
We promptly called and the excuses I got are as follows1 ) we did n't know where to send them ( which dept ) 2 ) you did n't send enough3 ) our computer did n't recognize the $ XXXXincrement4 ) I 'm not sure where your money orders even are.I think they got sent back to you! 
since that time Wells Fargo Home Mortgage. Has caused me to file bankruptcy because of these. Mishandling 's of our payments, I again may have to file bankruptcy. 
Wells Fargo Home Mortgage Has NO BUSINESS handling people 's money! 
They. Have not only lost 7 months worth of payments they also lost $ XXXXTheir incompetent and irresponsibility has caused undue emotional distress, caused my credit to be destroyed. Has caused financial hardships and countless other things. 
I can not get another home loan due to their mismanagement of funds ( payments ) I recently found out they are trying to foreclose on our home yet again. 
Something NEEDS TO BE DONE ASAP!!! 

Thank you for your timeXXXX XXXX
This debt is not mine. XXXX is a fraudulent company that does NOT abide by the law.
To. Consumer Financial Protection Bureau Greetings, My name is XXXX XXXX I was XXXX Military Because of XXXX. 
after almost a year of struggle I could not afford to pay my debt so I decided to enroll in the Debt settlement program so far I already pay a Total of {$25000.00} to the Debt Settlement Company which taking out from my XXXX Payment from Dept. of Veterans Affairs. and automatically withdrawn from my Bank. the debt settlement company promise me to settle of my debt one of them are XXXX credit card the debt settlement company notified me that the XXXX accepted the settlement through Glass Mountain Capital LLC for the amount of {$5800.00} this was settled by installment basis and the debt settlement company charge me a total of {$1800.00} just a settlement fee for this account. now base on my research the debt settlement company paid the Glass Mountain Capital LLC through auto payment but the Glass Mountain Capital LLC did not accept the last two of auto payment in the amount of {$180.00} so that the account remain open and per Global Client Solution account statement they reverse the payment and I found out they sold me to another collection agency. I want to file a complaint against Glass Mountain Capital LLC because of unfair techniques of collecting payment to a helpless people I hope this will serve a Lesson in the future Victims. I wish your Department can help me, and also can you Please Bring this case up and report it to the Congress. I will disclose a Involving party. 

XXXX XXXX XXXX Glass Mountain Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Tel. # XXXX XXXX, XXXX XXXX Tel. # XXXX
There were 3 transactions, 2 of {$600.00} and 1 of {$500.00} that were withdrawn from my account using XXXX. When I contacted my bank, they restricted my accounts and access to my online accounts, and canceled my card. Then they transferred my call to the XXXX department, and apparently a claim was filed, but they told me that since I supposedly authorized these transactions they couldnt do anything about the money I had lost. They then told me to try and request money back from the recipient, but how am I supposed to request money from someone who I didnt know and whose phone number/XXXX   information wasnt available to me?? The person who I had supposedly sent money to went by the name of XXXX as said on my XXXX app, but there was no phone number or account info to request money back from.
The monthly and annual membership fees on my Capital One credit cards are ridiculously high and I am aware that Capital One agrees with me, because in nearly all cases they will remove the monthly and annual memberships just when a customer points out the excessive amounts of these fees. I pay a high rate of interest for my cards and that should be enough. I want Capital One to stop charging these fees.
I do hereby request that this office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I do not know of this debt Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent CREDIT MAMAGEMENT COMPANY {$160.00}
XX/XX/XXXXA man called my home asking for me by my name, he said legal action has been filed against me in court and he was coming to see if I was home because he was on the way to deliver court documents. I asked him to identify himself. He said Renew Financial had filed court papers to sue me for a debt. I got their telephone number and case number and called and got a recorded message, I said, I do not know them or of their suit to call back to clear this up, because this is a mistake. 
A man called back asking for my SSN to verify my identity, I refused because I have been a victim of ID theft and he said he had it anyway and gave the last XXXX of my SSN. 
He said I owed for a company I dealt with XX/XX/XXXX, and he was to set up payment arrangements. I told him I do n't owe anyone and I do n't recognize the company. I also told him I am calling a lawyer. He was not phased and said tell the lawyer to call him. 
To my knowledge I do not owe this company. I also checked the internet on this company and found several complaints where they are calling consumers trying to make people pay for old debts and debts they do not owe. I am concerned that he has my Social Security Number.
My XXXX balance on my Citibank XXXX XXXX was due on XX/XX/17. Unfortunately I did n't process a payment until XX/XX/17, at which time I paid off the prior balance in full. 

As I expected, I had to pay a {$39.00} late fee as well as interest on the XXXX balance. However, unbeknownst to me, Citibank decided to create a " revolving balance '' for the month of XXXX, and charged me interest on the following statement as well. Even though I paid off the entire XXXX balance on time, I was assessed another interest charge on my XXXX statement as a result of this " revolving balance. '' When I contacted Citibank, they told me that this is standard practice in the industry. After some back and forth, they finally agreed to credit me back the interest that they charged me for the XXXX balance ( that I had already paid in full ) as their way of being courteous. 

If this practice is indeed now an industry standard, it is extremely predatory and should be regulated.
Consumer injured and harm under violation American federal protection Law suffered in tort of her credit and under employment and fraud contract Auto Ford Credit and Auto Owner Trust, from XX/XX/XXXX- XX/XX/XXXX through present have No knowledge of Idenity theft and false reported, All Obligation paid Ford credit by check and relied on personal banking Bad faith, failure disclosed Revolving credit, Failure disclosed Extension of credit and XXXX XXXX , Multiple Jurisdiction ' Consumer federal protection violation,, and Local attorney general Sued complainant, caused to injured and harm in good credit, and Indirect purchased Auto and finance against her bank without consent ' or ' Authorized JOINT LOAN, Ford credit attorney illegally collection and Sued the Victim and falsely accused, XX/XX/XXXX DMV failure to issue New Tags , was told to pay the property Tax alleged when cancel checks shows paid in person, failure apply to cgredit, Finding My property Tax were transferred indirectly to BALTIORE , Maryland fraudlent apply to third part Truth & Lending, suffered in access {$70000.00} in cab fees and prevented Ford Credit Auto Owner Trustprevilage of driving, Pending Judical case No # XXXX
age XXXX Real Estate agent wife age XXXX Wife does fraudulent charge backs for XXXX XXXX and XXXX Arizona residents Our XXXX and XXXX XXXX Card was used to pay for the purchase of XXXX vacation points. 
A XXXX card number has not yet been assigned XXXX XXXX, XXXX XXXX points purchased {$12000.00} purchase price {$3000.00} down charged to XXXX XXXX {$9300.00} was charged on a XXXX but we have not heard anything from that card. XXXX said there is no balance on the XXXX card as of XXXX XXXX, XXXX. 

Summit XXXX Sales agent from XXXX Sales Manager XXXX XXXX XXXX XXXX, XXXX This is what we sent to XXXX XXXX XXXX  concerning false promises. 
To XXXX XXXX XXXX XXXX We have disputed our XXXX credit card charge used to purchase XXXX points due to services offered were not as described as we were sold by deceit and bait and switch. We want our contract cancelled. We specifically said we wanted to stay in Hawaii and XXXX XXXX sales agent XXXX XXXX said staying in Hawaii would be no problem if we purchased XXXX points. After getting on the booking site ( after the rescission period ) we learned this would not be near enough points to stay in Hawaii or other locations we were interested in. The presentation was very high pressure lasting over six hours. In addition, we are disputing an additional {$150.00} charge because we tried to cancel a XXXX event, but the person never returned our phone calls. 

I contacted XXXX XXXX because I had contacted XXXX XXXX XXXX and XXXX and wanted to know if we should go through a company like that. XXXX XXXX said both companies were scams and suggested I contact XXXX XXXX XXXX XXXX asking our loan be cancelled and to forward the information to you about the two timeshare exit companies I cancelled, XXXX XXXX XXXX and XXXX. 

Please let me know by XXXX XXXX your decision before we file additional regulatory and law enforcement complaints. I did file a complaint with the Arizona Attorney Generals office. 

XXXX XXXX This is what the scam company is charging. 
The timeshare exit company XXXX {$2400.00} upfront to cancel timeshare XXXX {$200.00} account set up {$500.00} research and discovery 10 hours Email and XXXX XXXXt review5 hours for {$250.00} Document prep for 11 hour {$580.00} XXXX XXXX 16 hours at {$570.00} Rebuttal letters XXXX hours {$150.00} Negotiation letter XXXX hours for {$150.00} Other {$68.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX wanted me to call him back. He knew I was calling about XXXX XXXX. 

I logged into the XXXX and looked for trips. I looked for trips. I tried to book in XXXX but there was only availability in XXXX. We were led to believe we could get a couple vacations a year. We were told it would be no problem staying in Hawaii which is where we said we wanted to stay. In no way will XXXX points allow us to stay in Hawaii. 

Paid {$150.00} for three days in XXXX and we had ten days to cancel. We called XXXX in XXXX XXXX to cancel the weekend. We never got a call back to cancel. 

Disputed XXXX services promised were not services delivered this past Saturday XXXX XXXX, XXXX.
I CONTACTED TRANS UNION XX/XX/XXXX AND XX/XX/XXXX IN REGARDS TO THE HARD INQUIRIES ON MY CREDIT AND STATED OUT OF THE 12 I ONLY AUTHORIZED 1, I WAS TOLD I HAD TO SEND OUT A LETTER THAT I HAVE ALREADY DONE IN REGARDS TO THESE CREDIT INQUIRIES ON XX/XX/XXXX I CALLED BACK AND STATED I BELIEVE I WAS A VICTIM OF AN INQUIRY ISSUE AND THE REPRESENTATIVE ASKED WHAT INQUIRIES AND I STATED ALL OF THEM EXCEPT ONE AND HE STATED ITS NOTHING HE CAN DO THE REPRESENTATIVE BEGAN TO GET VERY RUDE AND OBNOXIOUS WITH ME I TOLD HIM TO HAVE A GREAT DAY AND I ENDED THE CALL. 
1. XXXX XX/XX/XXXX AND XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX   XX/XX/XXXX 11. XXXX  XXXX XX/XX/XXXX
ON XX/XX/XXXX I WENT TO XXXX AND XX/XX/XXXX I WENT TO XXXX TO LOOK AT CARS. I NOW HAVE XXXX HARD INQUIRIES ON MY CREDIT REPORT. 
I HAVE BEEN TOLD BY THE CFPB THAT RELATED INQUIRIES MADE WITHIN 14 DAYS WILL COUNT AS XXXX INQUIRIES. THIS SHOULD MEAN THAT I SHOULD HAVE XXXX INQUIRIES, NOT XXXX.. THAT IS NOW LISTED ON MY CREDIT REPORTS. THIS IS UNACCEPTABLE AND PREVENTING ME FROM GETTING MY PRE-APPROVED HOME LOAN APPROVED. I HAVE A VERY LIMITED AMOUNT OF TIME TO HAVE THIS CORRECTED TO PREVENT LOSING MY HOME. 
I WOULD APPRECIATE YOUR PROMPT ATTENTION TO THIS MATTER.
Bank of America closed my personal and business credit cards that I had for a long time. They just gave me general explation that the number of business accounts were too high. I did not have many business accounts and I had very good payment history and relationships with the Bank of America. I need your help to address this issue.
I have called XXXX XXXX on multiple occasions about a ridiculous 23.9 % interest rate. I have had a steady income increase and credit increase but every time I ask about an interest rate reduction I 'm told they 're not doing them at this time ( this has been over a two year period. ) They allowed me to get this card when I had barely any credit or income and locked me into a fee that refuses to change even after years. When I call and ask questions, I 've been lied to by representatives telling me I have to have an 800 credit score to get a reduction and another representative hung up on me. This bank needs to be investigated and needs to make some changes. Beyond preying on people through Walmart, they have untrained representatives. Please do not ever get involved with this bank even if you 're down and out. They 're no better than a payday loan. I am saving money to pay them off and closing the account no matter how much it hurts my credit.
I have XXXX bankruptcy 's on my report that are reporting inaccurate information. Both cases are showing a claim amount of XXXX and a liability amount of XXXX. I requested that Experain verify that information and report accurate records. Experian keeps reporting the same information without verifying that information with the credit agency. According to law they have 30 days to verify that information or removed it form my credit file. Secondly Experian keep sending out notices stating the investigation will take 60 days and thus far its been 6 months and Experian has verified nothing and still reporting inaccurate information
THIS DEBT WAS PAID AND IS STILL SHOWING UP AS A NEGATIVE MARK ON MY CREDIT REPORT I WILL BE REPORTING AS A FAIR DEBT ISSUE TO THE TRADE COMMISSION.
I received an American Express rewards card for {$500.00} which expired six months from the time of receipt. I used up the balance before the card expired. Several months after its expiration, I had to return an item I had purchased with the card to XXXX. I requested an XXXX credit but they mistakenly sent a refund to the expired card. Since the card was no longer valid, this should have been bounced back to XXXX but somehow it went through. I contacted XXXX and they are not able to get the money back from AE. I have since called the company on nine different occasions asking to have the money returned to me. They repeat that balances left on the card at expiration are forfeited, only this is not the case here. When I explain this to them, they tell me that they are escalating the issue to another department and will be in contact with me but in the month that I have been trying to resolve this, they have never contacted me.
American Express cancelled our credit card account as a retaliatory measure for reporting issues to cfpb that we are having with our account. As a good faith gesture, we arranged payment of the disputed amount of {$3400.00} as an immediate balance transfer from another credit card, and caused to be withdrawn on XXXX/XXXX/2015 what we actually charged as payment in full on this account, {$7500.00}. These XXXX amounts actually cause us to overpay what American Express says is due. and it has been our custom for many years to have the amount due withdrawn from our checking account, and never has payment not been honored. Furthermore, I checked our credit report and no one, not even American Express has ever reported us past due and nearly all the accounts state 'paid in full. ' However, after six hours on the phone with American Express this day, they will not reinstate our account that THEY cancelled because of a disputed amount, in part a cyber fraud on the account. American Express states their attorney investigated the account, but this is not true. All we have ever requested is an explanation of charges, because the bottom line total does NOT equal the line item charges, and we have sent them spread sheets to prove this. There has also been an unauthorized payment to XXXX, made by American Express, which is also. or was also and remains, a part of this disputed amount, which ( as stated ) we have now paid in full. To make matters worse, they have harassed us through various emails and a robo-call this day. And they cancelled the account a full day before payment was even due. This is wrong. An account can not be cancelled validly under law when the amount causing the cancellation is a disputed amount. Now American Express states we have a bad account payment history, which according to the records and the facts, as well as Experian, simply is NOT true. It should not be this much trouble to pay a bill, and we should not be punished for doing the right thing and acting in good faith -- And they should not hold our account hostage and extort money out of us ( as they have done ) by threatening us with a bad credit report. We paid the disputed amount, and since money coming from our bank has been our business custom with American Express, they should not that require money forthcoming from our bank be immediately in hand. We are being punished because we reported a fraud on this account and refused to pay an amount we NEVER authorized to be paid by American Express. Our credit record is perfect, and now they are ruining our good and valued name in the business community as well as in the community at large. As I said, payment was not even due, and this was done to retaliate against us for reporting them to cfpb, and possibly to cover up an insider fraud at American Express. No reputable business would cancel a credit card prior to the due date on payment.