WillisBack/dataset-financial-user-claim huggingface dataset:
DESIGNED RECEIVABLE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, CA XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DESIGNED RECEIVABLE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DESIGNED RECEIVABLE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Basic background on my credit history, I recently got married and had some medical issues that moved me into some trouble with credit card debt. After 2 months or trying to re-establish and gain control of my credit score, I get a notice from Synchrony Bank that they lowered my oldest credit card limit to make it equal to the current balance. Basically a drop of about {$1800.00}. So, while personally monitoring my score, I watched my score rise from a XXXX to XXXX after resolving a bank error delinquency and paying off about XXXX of my current cards ; about {$7500.00} paid out to cards. After this, my score drastically dropped back down to under XXXX because my Utilization WENT UP from a limit decrease. This decrease also showed that I was utilizing more than 95 % of the card from Synchrony Bank. I then contacted Synchrony immediately to find out why they lowered the limit and it was due to the delinquency ( which had been resolved ). So, in my opinion, it does n't make sense that since my score was low, to make it better by raising my utilization. It just seems like a flawed system. Synchrony wanted to offer to run my full credit report again to try and increase the limit back, but I declined that due to the fact that it would impact my score again. The card was originally with XXXX, and ever since it moved to Synchrony, I have been upset with their bank. The worst part is that this is my oldest account, so closing it would drop my score again. It just does n't seem fair, especially for someone who is doing everything they can personally to recover their score.
On XXXX/XXXX/XXXX I placed an order directly with Google to purchase the new XXXX XXXX XXXX for a total purchase price of {$1100.00} which included their preferred care plan. To entice the purchase of this phone Google offered to credit the cost of this phone purchase with a {$400.00} trade in credit for my current Google XXXX phone ( also purchased directly through Google ) that was in use within the Google XXXX network. The trade in program they offered included Google sending you a return shipping label to return the original XXXX phone in my possession. After receiving my new phone on XXXX and testing that it was functional I packed and shipped my original XXXX phone to Google using the tracking label they provided USPS Tracking # XXXX which was confirmed received by Google on XXXX/XXXX/XXXX. 

After receiving initial correspondence from Google on XXXX indicating they were in receipt of my shipment but backlogged in reviewing returned devices they indicated an update would be provided shortly. I subsequently received an email from Google on XXXX indicating they were crediting my account for {$70.00} for a completely unrelated phone ( XXXX XXXX ) instead of my returned XXXX phone. I immediately escalated this concern to Google Customer Service on XXXX whom they quickly acknowledged the phone they credited me for was not the device on my plan ( also not the device I returned as I never owned a Nexus product ). After weeks of delays and having returned my device to Google now 2 months ago they have still not correctly credited my interest bearing account the appropriate refund credit. 

My assumption is either a negligent handling of the return process and/or theft of my device from their processing center. My goal is to ensure I am properly credited the remaining {$330.00} from my returned phone and also if theft is involved that they are appropriately reviewing the handling of returns as that device costs roughly a {$1000.00} when purchased from Google implying that it is a Felony. After multiple delays the most recent update I received from Google was on XXXX indicating an update would be provided in 5-7 business days. I informed Google if an update was not presented in the time they indicated I would move forward with a CFPB complaint to ensure other clients were not receiving the same unfair treatment from this program. Today marks 7 business days and an update was never received. 

I appreciate any assistance that can be provided to bring this complaint to a fair and timely solution. I personally can not believe that Google would string a client along for this long based on their negligent handling of this program. If this is a systemic issue of purposefully not crediting clients back on returned devices it should garner government review. 

Google Case ID [ XXXX ] Google Store Financing XXXX
I have repeatedly requested a legislative security freeze at no costs in full accordance with FCRA and all other applicable Federal law for victims of identity theft. I have provided documents verifying that I was the victim of identity theft ( including but not limited to the identity theft police report and notarized affidavit ) and the verification letter from the Commonwealth of Kentucky Social Security Administration verifying that my social security number was changed in 2004 as a form of relief from the identity theft from which I 've suffered ... Every time I speak with XXXX ( if I can reach her ) she has claimed no receipt of my documents. Clearly, I have provided the documents because even XXXX displays an Extended Fraud Alert which is only available to those who 've shown proof of identity theft. I have faxed the documents to XXXX ( the number provided by XXXX XXXX at XXXX ) or ATTEMPTED to several times, but there is always a busy tone. I have tried to upload the documents at experian.com/upload but there is always a pop-up window that states my submission can not be accepted online. Experian, XXXX and XXXX have all evidently restricted my access to their online portals and even general customer service, because when I call the rep who initially answers always advises me that " my account is being handled by an escalation team member. '' That appears unduly punitive, tedious and cumbersome for me especially when the said escalation team member ca n't seem to handle my basal credit report and identity theft protection needs. It 's ridiculous. I have a legislative security freeze with XXXX and XXXX. I need XXXX for Experian as well. This should be simple to obtain.
I want to file a formal complaint against Ocwen Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
We refinanced our home mortgage in XX/XX/XXXX when housing prices were up. Unfortunately, are now in an underwater mortgage because of the real estate market dropping several years ago. We applied for the HARP and HAMP loans, but we were denied because we make our payments on time EVERY month and currently we make enough money to pay our mortgage. We want to eventually downsize, but we ca n't sell our house at the current amount that is owed. I spoke with a mortgage consultant at XXXX XXXX XXXX. He informed us of a program that is a short payoff refinance through FHA. We had our house appraised and it is now valued at {$110000.00}. Our mortgage balance is {$160000.00}. I, along with the mortgage counselor at XXXX XXXX contacted Ocwen Loan Servicing , LLC . We explained to them that our house was appraised by a certified appraiser and there is a program specifically for our situation and that Ocwen Loan Servicing does participate in this program. We offered them the amount that the house was appraised at, which was {$110000.00}. On or about XX/XX/XXXX, we received a letter from Ocwen Loan Servicing indicating that they are accepting the " Discount Payoff '' for {$110000.00} and it was valid until XX/XX/XXXX. We continued working with XXXX XXXX XXXX by submitting all of the documentation that was requested of us. They had already approved us for the mortgage based on our credit scores as well as our income. Time was starting to run short and so our mortgage counselor requested additional time so that we would have ample time to make sure that everything was submitted to their specifications. Once we requested additional time, Ocwen started sending us letters that the discount payoff agreement was denied. Ocwen never submitted the payoff quote for the correct amount which was agreed upon, but instead they submitted it with the total amount which is currently owed on the loan. Our mortgage counselor as well as his manager made numerous phone calls to Ocwen and they were on the phone for hours trying to get the correct documents so that we could close on the new loan and also so that we could meet the deadline of XX/XX/XXXX. We were told that they would see about extending the date for a few days, but they would not put that in writing. The underwriting team from XXXX XXXX XXXX would not release funds without it being in writing for fear that Ocwen would reject the EFT. Because Ocwen kept transferring us to the wrong department all along and they will not submit the correct paperwork, we have now lost out on this agreement. A few times we were told that we need to talk to the short sale department and we did do that, but they kept saying that we were not approved for the discount payoff, when in actuality, we were. They have reneged on the agreement because of deliberately stalling and not submitting what was asked of them so that we could finalize everything by the termination date of the agreement. I feel they have been very unethical and also unprofessional.
Hi, my rental mortgage is held by Ditech ( formerly Green Tree ) and last month they included on my monthly statement an escrow payment of XXXX for forced insurance. I do not have an escrow account with Ditech and have paid my private insurance every year for the nine years of the mortgage. I called Ditech who said they did not receive my annual proof of insurance so I submitted it again. Within days I received from Ditech insurance an email stating they received my proof of insurance and they had updated my account. Several days later I reviewed my on-line statement and the escrow amount had not been removed. I have now called Ditech customer service five ( 5 ) times over three weeks and they have not been able to resolve this issue. I have been told they are escalating the matter and it would be resolved in 2-5 business days, I have been told it is being escalated and will be resolved in 5-7 business days and I have been told not to worry it will just be resolved. I had Ditech customer service phone conference with Ditech insurance where the insurance branch stated their " systems '' are showing our account is up to date but customer service stated they could not do anything since their systems still show our account has the escrow fees. I have spoken with three different supervisors who state the matter is being handled yet it never gets resolved. This morning I called to have a customer service person tell me that their policy changed as of a week ago and that supervisors no longer accept calls and can only call you back. So I hung up called right back and when I asked for a supervisor the lady immediately said " Of course please wait for the next available one '' and I indeed spoke with a supervisor. The supervisor listened, read my file and stated that she would escalate the matter and it should be resolved in 2 business days. So this journey is not over but I ca n't state how frustrating this has been and how scattered and disorganized Ditech has been.
In 2005 I paid an outstanding debt to XXXX XXXX and received a letter from the court saying my debt was fully paid. I have attached a copy of that letter from the court. Even though the debt has been paid I still receive harassing phone calls and letters from collection agencies. I have attached a letter sent to me from Mediation Recovery Center. I have tried over the years to explain to MRC through phone calls and letters that the debt has been paid, and made them aware of the letter I have received from the court stating the debt has been paid. MRC does not care and they continue to harass me day after day, year after year. They have even called my friends and family asking where I am and told them I owe MRC money. Also they have threatened further legal action even jail. Enough is enough I want something done.
I 'm not Disputing Where are records to show my attendance from XXXX XXXX XXXX? Attendance records shows dates, months, and year and grades for students attending school at XXXX XXXX XXXX. I think promissory note should be investigated where is my signature? What date did I signed. Those information should have been provided with the statement giving. It might show in the financial database, but are you looking at the fact those are enter information that was sent to the database. Where is the original records? If you paid the school and they close by right there should have been a reimbursement check sent back to your institution? I never received the money, and yes I spoken with XXXX XXXX they never received the money either so who has it? Maybe you have the money, but its the promissory note that is tying me to paying you back? Somewhere down the line it does n't make sense? Remember for school closure the money is refund back to that institution that is last on file.
On XX/XX/XXXX I wrote a letter to Experian expressing that I noticed a charged off account ( account # XXXX from XXXX XXXX XXXX ) on my credit report for the amount of {$1800.00} and that I would like for them to validate the debt and provide proof that I owe such a debt with a contract bearing my signature. They responded with a letter on XX/XX/2018 saying the debt was validated with the company and refer to my personal credit report I received for the name and address and phone number of the credit grantor who verified the information. Prior to writing Experian I disputed this issue numerous times with the company who reported this and asked them for this same information and they sent an itemized bill exposing my personal health information but never stating the procedure utilized to obtain my personal health information and how I owed them. I wrote them another certified letter on XX/XX/2018 stating that the procedure they used is requested and that I wanted to see a contractual agreement bearing my signature showing I owed XXXX XXXX XXXX. They responded on XX/XX/2018 but with none of the requested information. If the company or credit bureau can't show proof that I owe them a debt then this account should be deleted
A company called and stated we owed a debt. We asked for proof and never received any. Years later they called again. We still were not given answers. Then they sent a letter stating they were garnishing my husbands wages. We never had a chance to fight it. We lived in Florida and the debt collector is in Kansas. They claim the debt is from  2007 b ut fail to provide proof. Now they keep sending letters that show debt and a 12 % interest rate monthly. They garnished my husband wages until we moved and he changed jobs. Now, they 're sending letters again demanding money.
I tried taking out money at an atm but it did n't let me {$600.00} instead it blocked my card and it said to contact my bank for this matter.this happened after work around XXXX. So I have my mobile bank app I go paperless..I open my app and first thing that pops is a alert saying if it was me trying to take out money at a near atm..so I pressed yes, this after me going back home. After I press it i t takes me to my bank balance where I see that automatically it debited XXXX which I never even took out. I called right away after an hour on hold I get a bank of america person to help me..he tells me the card is now ready to use, I say ok what about the money? He says it should be credited within 48 hrs, so I check the following day, nothing. Until the second day I check and it got erased from my statement history like it never happened but the total is the same as when it was deducted. I call right away and they say they credited back and it was cleared because it was done so it had n't happened but I told them the balance is still XXXX less she said is not, I told her I knkw the total I had before the XXXX were deducted. XXXX I was asked if I wanted to open a claim I said yes, so they credited the XXXX temporarily until the investigation took effect, a month later I receive a letter that it was denied after being investigated and that the money was going to be reversed, I call the bank again very disappointed and mad, and tell them about the situation again they said XXXX case is closed I ca n't do anything about it anymore, I said how is that I ca n't just loose XXXX just like nothing, I 'm a single mom of XXXX and XXXX is almost a whole paycheck for me, she said sorry I ca n't help you she said only I can help by moving the date of the money being reversed back to a month away, I was like moving the date or not is not going to give me back the money I lost..I do n't know what else to do I am very dissapointed, sad, upset..I have bills to pay and my schooling as well, I hope you can help
Equifax responded to complaint # Case number : XXXX saying they did n't have a dispute on file for the XXXX which is false, please see attached response from Equifax where they deleted the information from my credit report. This information was later reinserted in violation of the FCRA, even though its fraud and was removed as fraud.
After having an overdraft account to fund any pending overdraft charges, Huntington Bank has repeatedly charged my account such fees. I have spoken several times with a bank representative, " XXXX XXXX '' at the XXXX location. His direct number is XXXX. 
XXXX XXXX told me that he will speak to his bank Manager to get the funds back into my account, however, it has been three weeks. 
My account has been damaged due to these unauthorized charges. 
Any assistance to resolve this matter would be greatly appreciated.
I was a victim of the DATA BREACH FROM EQUIFAX ... and a major victim of identity theft ... and to be honest with you XXXX and XXXX XXXX great, they helped resolve all the issues I have had as a result from the DATA BREACH. EQUIFAX is still reporting fraudulent information and I have a 200+ credit score difference with Equifax .. I disputed this account for over 2 years now ... have police report from Washington DC and they still report it, ... I Dont know what to do because so much of my credit file that was me is now gone and all that is left is the FRAUD with Equifax and I can't get rid of it ... There is literally 5 closed accounts of mine that have been deleted or removed from all 3 agencies.
I have been requesting verification of the following accounts that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification onXX/XX/XXXX. On Thursday XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report XXXX and spoke with agent, she informed the security freeze was placed on my consumer file # XXXX as XX/XX/XXXX, I have attached a copy of my security freeze confirmation from XXXX confirming the freeze date. After reaching back out to Equifax with same old script, " your account has been verified via XXXX ''. No record of any inquiry from Equifax or mode of verification from XXXX XXXX showing on my XXXX XXXX credit file.
Hard Inquiries :  XXXX    XXXX    XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   XXXX  was requested by me to be removed on  XXXX / XXXX /  XXXX   to TRANSUNION because they 're not supposed  to  be on my credit report but their customer service would not help and take care of the negative inquiries on my credit report.
Navient has consistently, ineptly failed to properly service my student loan account in a multitude of ways : 1 ) They failed to withdraw scheduled ACH payments, but subsequently charged me for alleged delinquencies resulting from Navient 's f ailure to make scheduled withdrawals  ; 2 ) Pa yments were misapplied, i.e., the full amount for all loans was paid in a given month, yet that amount was only applied to  XXXX  loans, resulting in alleged delinquencies on all other loans ;  3 )  Advising me that I had set up a payment program that would avoid future delinquencies, only to begin calling me in a month to say that my account was delinquent ;  4  ) Starting  XXXX ,  XXXX ,  2017, ha rassing me and my co-signer regarding alleged delinquencies despite my having paid all alleged delinquencies the prior month on  XXXX   XXXX ,   2017  , and making all scheduled payments for the month of  XXXX  as set up by a Navient employee ; no adequate description of why this occurred has ever been provided, including in a call with a supervisor named  XXXX , Employee ID  XXXX  ;  5 ) Refusing to provide a consistent point of contact ; Navient will typically only provide an employee name, and will not provide any other information permitting you to follow-up with the same person when the advice they provided is faulty ; 6 ) Never offering me income based or any other alternate payment programs ; and, 7 )  Providing notice of alleged delinquencies solely by robocall.
we received in the mail ; Make home affordable which they stated would take almost XXXX what we owed lower house payment to XXXX a month just follow rules on card. You had to be late on home, payment wise it seems this was a scam. So I went to NFCU to try to get home loan caught up. The girl at the bank sat there as we were waiting for a answer, I was also willing to use my paid off XXXX Toyota as collator. As the girl in bank was laughing at what was suppose to be a loan, I was denied. I hope people like her, one day happens to her .It was bad enough to get scammed let alone where you do your banking was just as bad.Dont assume your bank is there to help you. Infact it all started with a complaint against the bank. Someone was trying to use my DEBIT card all over the world, I asked for paperwork on where exactly this happened I was denied.This all started over the theft of Tmobile phone