WillisBack/dataset-financial-user-claim huggingface dataset:
TO WHOM IT MAY CONCERN XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX # XXXX XXXX XXXX XXXX # Opened Date XXXX $ {$4500.00} XXXX # XXXX Inquired that is not mine XPXXXX B XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XP/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX This address is not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I never live there please removed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
We have a credit card through chase that closed in XX/XX/2012 in the amount of $6,296.45.
The account was sold to XXXX, and they have since been charging interest on the account as if it is still open, but we have documentation from Chase that this account was closed. Since purchasing this account from Chase XXXX has added more than $1000.00 extra dollars to what we owe. We would like to settle this account for either the original amount or less than the original amount without this extra $1000.00 that we do not owe. I have spoken to Chase and this account was sold in XX/XX/2012 and XXXX purchased it in XX/XX/2012 and has been charging money to the account ever since. We have made several attempts to find out why this company is still charging amounts on this card after it was closed and they refuse to tell us why. They also refused to send any validation on this card of when they purchased it and what the original amount it closed for, so we had to go to Chase to have them give us all the information. Why are they charging more money when the account has been closed since XX/XX/2012? Documentation from Chase will be provided along with my credit record showing that XXXX is charging on this account still.
Real Time solutions continues to report a balance owed to them at XXXX, and XXXX XXXX based upon a 2nd mortgage that was foreclosed on back in 2006. According the Fair Credit Reporting Act, a creditor is only allowed to report inaccurate information on one 's credit report for a period of seven years. However, Real Time Solutions has purposely changed the dates of activity on this account to continue to report it. This is a direct violation of my rights, as outlined in the Fair Credit Reporting Act.
Experian Credit Bureau, removed XXXX fraudulent accounts from my credit then without warning or notices they re-added the unknown accounts back to my credit. I have supplied themwith a valid police report that was stamped and signed by the police officeand to date they have done nothing but ignore me, so my case remains unresolved. 
The fraudulent accounts are as followsTax Lien ref # XXXX XXXX XXXX # XXXX
I am requesting a modification with a 2 % interest rate. I have already submitted an application for modification and it has been over 60 days. Please process my application for modification and provide me with an approved modification asap.
In  XXXX  of   XXXX   I received a bill for annual fee of {$95.00} for a credit card I did not use. I called to cancel the card and the customer service rep was very reluctant to close the account for me and said that if I kept it open she would credit the {$95.00} annual fee after I activated the card. The card did not arrive and I was charged {$95.00}. After multiple calls I finally received the card and activated but continued to receive past due for {$95.00}. After multiple additional calls I canceled the card and was told the fee would be waived. I continued to receive past due notices and a collection letter. I made additional calls and guaranteed it has been handled. I am requesting copies of letters sent to credit bureaus clearing this false late charge and documentation showing closed account with zero balance fo r Citibank  card ending in  XXXX . Please refer to the account notes and customer service calls  ( recorded ) to Citibank  to clarify and resolve this situation ( starting in  XXXX    XXXX   to present ). I am also contacting the better business bureau and the state attorney general 's office with this complaint.
Last XX/XX/XXXX, I purchased a program that was financed on multiple credit cards to purchase a revenue and education system from a company called XXXX. 

My purchase with Bank of America and had an initial purchase of {$20000.00} placed on it to buy into XXXX and start my education. In XX/XX/XXXX, the Federal Trade Commission ( FTC ) shut the company down for multiple reasons. The XXXX website, as well as it's subsidiaries, were also shut down. Many people were left with no contact, a lot of debt and no income to pay those bills. 

I have not received what I was promised - an education, training, income. 

Many of the companies I used as a line of credit to complete the purchase have provided in full charge backs. The companies I have received full refunds are XXXX, XXXX XXXX, XXXX and XXXX. 

But back to Bank of America - they gave a provisional credit and then retracted it. I would appreciate it if they would create a charge back of {$20000.00}, which is the XXXX down payment.
I would like to file a FTC claim of Fraud against Mortgsge Co, and the unknown Note Holder ( s ). According to an Independent Forensic Loan Audit, my mortgage violated several FTC and other Laws, Acts, and Regulations. Mortgage payments were made to several different Mortgage Cos. and Mortgage Service Cos. However, A different, recently Assigned Trust/Company has been granted a " Summary Judgment for Foreclosure & Sheriff Sale '' .of my home. I had requested a " Validation by contracts '' of the alleged debt several times. One request was by fax. The request was to provide proof of the debt or stop All contacts and All actions related to debt. OR voluntarily agree to certain fines. But, their response was more printouts of payments schedules & the Actions of Foreclosure, instead. The mortgage Violations are evidence of Fraud on the part of the Mortgage Co. and follows to any Assigned Trust or company. According to the Audit, the mortgage Violated many FTC and other laws, which makes it a Fraudulent.Debt. and Fraudelulent Foreclosure. 
I am attaching the following documents to support this claim : 1. Copy of the independent Forensic Loan Audit 2. Copy of partial list of Mulltiple Calls from Mortgage Company with some related letters. 
3. Copy of fax ( dated XXXX/XXXX/2014 ) Requesting a Validation of the Mortgage and Note to identify true " Holder ( s ) of the Note ''. 
4. Copy of the Mortgage Company 's Responses dated XXXX/XXXX/2014 ) to request for " Holders of the Note '', OR to agree to fines if unable to stop all contact & actions related to the debt.. 
5. Copy of some of the continued contacts & actions related to the debt, after failure to Valiidation of the Debt., by mortgage company.
I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?
Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.
The situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.
However, I have no doubt that the charges will return very quickly ( TransUnion and XXXX have not offered a free freeze at all, and TransUnion doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXXyear-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.
I was attempting to settle a debt with XXXX XXXX. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about six weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called XXXX XXXX to get a payoff. XXXX XXXX then realized more money could be available, so they changed my payoff to {$11000.00}. 
My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. 
They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount.
XXXX XXXX 2016 I purchased some items from XXXX with a valid credit card. I saw the items pending on my account, received the items. In the month of XX/XX/XXXX they tried to recharge my same credit card for the amount again, I stopped payment. They called me and asked for another credit card number they could charge and I refused because i believed I had paid them already. They sent me to collections and the day I received something in the mail I called. The collection agency claimed they never received payment from my card and that they had put to 360 days to recharge my account legally. I contacted my credit card and confirmed that they never finalized the transacting in the 90 days it sat pending and so it fell off. My XXXX account said they can not legally charge my credit card 4 months later because they made a mistake. I am now being threatened with fees and court over this issue that is a result of poor management.
I have filed 3 disputes with Equifax concerning an account that belongs solely to my deceased husband. After my husband 's death, I found out that I was listed as an " Authorized User '' on my deceased husband 's XXXX account with XXXX XXXX XXXX XXXX. I never knew about said XXXX account, never used said XXXX account, nor do I have any financial obligation or agreement with XXXX XXXX XXXX XXXX re : said XXXX account. I only found out that I was listed as an " Authorized User '' on my deceased husband 's XXXX XXXX XXXX XXXX XXXX account when I called to notify all of his creditors of his death. I even mailed a letter dated XX/XX/2017 to Equifax from XXXX XXXX XXXX XXXX that clearly states that I was listed as an " Authorized User '' of said XXXX account and therefore I am not responsible. I asked Equifax to completely remove the account from my credit report. They refuse to remove the account. I also contacted XXXX  and they immediately removed it from my report. Equifax needs to remove the XXXX XXXX XXXX XXXX XXXX account from my report as it is not my account and I am not financially responsible for the account so it is unlawful for them to report an account that I am not legally liable for.
On Friday, XX/XX/2018 I attempted to link my credit cards to the XXXX XXXX app as it is an extremely useful budgeting tool. I authorized the app to access my account details with both of my primary credit cards, XXXX it and Capital One XXXX. The XXXX card synced up fine. The Capital One card did not and the app showed a message saying that Capital One was blocking access to my information. 

I called Capital One customer service. The employee I spoke to said that the only supported third party app was XXXX. But she made a change in my account and then asked me to try to link the app to my account again. This time it worked. The app synced all my data and it worked. Then I thanked the employee and hung up the phone. As soon as I hung up, the app lost access to the account again. I tried to link it again and the same message popped up. " Capital One is blocking access ... '' I called again, and got another employee on the phone. They made a change and asked me to try again, and it worked. Then it stopped working as soon as I hung up the phone. Again.

I suspect Capital One is intentionally blocking customers from accessing their financial records via third party apps that have explicit authorization to do so. I suspect that customer service representatives have been told to allow such access temporarily during a support call, only to once again block access and leave customers under the impression that the app is somehow at fault and not Capital One.
I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX, XXXX, and TransUnion for almost two years. I now know why there is a class action lawsuit filed against XXXX, XXXX, and TransUnion in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.
Between XX/XX/XXXX and today ( XX/XX/XXXX ) I have repeatedly contacted XXXX XXXX and XXXX XXXX via phone and email explaining the problem over and over and asking for progress on getting this removed from my credit reports. I get no response. This has been going on for months now. 

In XX/XX/XXXX, I sent NCS pay stubs showing amounts taken from my pay, which indicated that XXXX XXXXXXXX XXXX debt was paid in full. They still claim not to have received all of the {$1700.00} plus that was taken from my pay, even though the pay stubs that prove it. They claim to only have received about {$700.00}.
OnXX/XX/XXXX, I wrote a letter to XXXX XXXX requesting they review my request for goodwill deletions for the 2 months that show 30 days past due on my credit. I was impacted by Hurricane Irma ( two large trees fell into the middle of my home and I was injured ) and am in need of securing a new place to live. Since those marks are older and I have not gone 30 says delinquent since then, I requested the delections. Unfortunately, I have a XXXX XXXX  and can not talk by phone so I contacted Ally using the address they provide on their website. In response, I received a letter dated XX/XX/XXXX acknowledging receipt of my letter but it said if I do not call them by XX/XX/XXXX,,  they will not respond to my request and will withdraw my inquiry. That poses an issue for me medically.
Coastal XXXX I turn the car in so it was not a repo .the sold the car and I got. Check for for what they got over the loan.
1. I disputed the fraudulent charges made in the amount of {$15000.00} ( approximate ). 
2. Most of the charges were made overseas ; I have been in the States during those dates. I requested that the charges to be removed from my account. 
3. I have provided all of the necessary documents they required, such as police reports. 
4. I have reported fraud and disputed charges in XX/XX/XXXX. 
5. Discover sent me a letter in XXXX stating that they have concluded the investigation and will adjust all the charges.

6. On XX/XX/XXXX Discover sent me a letter stating no fraud and all the charges were put back into my account. 
7. Under Federal Trade Commissions FCBA rule, Credit card companies MUST FINISH investigation within 2 billing cycle. Discovercard took 5 months!!!
Keep call me about debt when high interest rates, call my job. keep. call my cell phone every other day.i 'm getting sick and tired of them.
Our home mortgage was transferrred to a company called " Mr. Cooper '' and we have had nothing but problems since that time. For the month of XXXX, they took our mortgage payment of {$2500.00} out of our checking account twice. When I saw that they took our XXXX mortgage payment out twice, I called Mr. Cooper and asked for the money to be returned. I spoke to Mr. Cooper customer service on Monday, XXXX XXXX and the customer service rep confirmed that they had accidentally taken out the mortgage payment TWICE. She said that that the payment would be returned to my checking account within 3-5 business days. Today, XXXX XXXX, XXXX, it has been EIGHT DAYS ( 6 business days ) since I was promised the over-payment would be put back in my account. It has not been returned. When I called Mr. Cooper customer service again, I was given the run-around. I was  place on hold for over 30 minutes and then told that they would need to contact the bank to " confirm the check cleared '' ( this was already done on XXXX XXXX when I called the first time ). Long story short, they are playing games, giving me the runaround and keeping the double payment. My other bills are going unpaid and I will have late fees and returned check fees if they continue to refuse to return the double mortage payment.
I made a deposit to cover a withdrawal in XXXX XXXX. My account was withdrawn on XXXX XXXX. I received a XXXX overdraft fee. I called to have the fee removed and was told it was going to be forwarded to a local branch for review. I was advised to pay the overdraft free because they charge a fee for being overdrawn and I will continue to be charged fees while they complete my review. I asked to close my account and she was not able to do that either. Stated I needed to go into a local branch. The company is making it hard on consumers in order to continue to charge fees
I have tried on numerous occasions to get Navient to consolidate my loans into a extended graduated repayment plan. I have completed all the forms and submitted twice with no luck. I have been unemployed and on forbearance for a long time. I just started working again with a lot of debt and a new dependent to my family. I want to do the right thing, but I need to have all loans consolidated as I owe XXXX and on am extended graduated plan. I reached out to FASA and the system referred me back to the loan service provider Navient.
I have a loan with First Franklin Bank in XXXX Ga that I have paid a XXXX a month. I have been to the bank on several accounts and have been told they are now using a new system to update credit reports but is having issues with the system. My report has not changed in over a year and I pay every month on time. I am XXXX military and the bank receives a payment on the XXXX and XXXX of each month. I have went to the bank and spoken with the branch manager and she has told me that the only thing she can do is forward it up to home office. I contacted the credit company in XXXX 2015 the issue was not fixed. My credit report is reflecting a balance of XXXX when I only owe XXXX
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.
Yhis Company has called and called and called and We are sick and tried of being harrased by their calls at latet hours and early hours. When a class action suit is brought against them I want to be part of that class action suit! I do believe they are going by our last name and conffusing us with others in my Family.

Pleas shut this company down and all other that are out to harass.
Ditech bought my mortgage a few years ago. Since then I have had frequent problems with them. The most common problem is where they send two bills in a month. I have called them about this several times. They say it's an error and to ignore the second bill. This month, for the payment due XX/XX/18, I sent a check to them ( # XXXX ) on XX/XX/18 for the amount in full ( {$680.00} ). This check cleared with my bank ( XXXX XXXX  ) on XX/XX/18. About two weeks ago I get a second bill as had happened many times before. Based on what they had told me, I ignored the bill after looking online to make sure that they had actually cashed my XX/XX/18 payment. I received a letter today stating that they had not received my XX/XX/18 mortgage payment and that they were assessing a late fee of {$34.00}. I am tired of struggling with their ineffective customer service. I am also starting to wonder if their double billing is not an accident, but in fact an unfair business practice designed to dupe customers into paying late fees. Please help me to resolve this issue so that others do not also have similar problems.