WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU 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 DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Today, XXXX XXXX, 2017 I visited the Discover Card site to redeem the Cashback Awards. 
The site clearly states " These rewards are yours to use ANY time you want, whatever amount you want. Apply your Cashback Bonus to your bill OR deposit to your bank account. ". I had over {$450.00} and beside that amount ere the words- " REEDEEM ALL ''. 
You had to enter the amount and had two choices- one was to apply as a credit to your bill or two was to deposit to your bank account. I chose all and to deposit. Then a note popped up stating that I needed an account " linked '' to the card and to call XXXX ... 
I did. I was then told that I could NOT " redeem all '' - the limit was {$300.00} and that they did not know why I was not allowed to select the bank account they had on file. Now mind you, I HAD done this before a few years ago. Also- I do have 4 bank accounts linked to this credit card from which I have in the past paid through their site- infrequently. I asked to speak to a supervisor who could not explain away the discrepancy between WHAT their site CLEARLY stated and WHAT I actually could do. She gave me some spin about " security '' ... When I asked specifically about any issues with MY account- she told me she could NOT say anything due to security reasons ( I assumed she was talking about DISCOVER security ). 

I understand that I have a " contract '' with Discover to use their card. I pay my bill every month completely. I am not late as the amount owed is not due until XX/XX/XXXX. I have used all 4 of the bank accounts to pay portions of this card at various times- both through their specific site AND through my bank billpay sites. 

I believe that it is fraudulent for Discover to clearly state what I stated above, BUT NOT allow it to be done and then can give NO reason WHY it can not be accomplished.
In XXXX 2016 I took an equity line loan from First Niagara Bank for {$200000.00}. The terms were for 20 years at 3.99 % interest. Later that year First Niagara bank was acquired by Key Bank XXXX XXXX Ohio. Thus Key Bank became my lender for my equity line. The terms were the same : 20 years at an interest rate at 3.99 % interest. Since I am on a fixed budget, and to make sure I can afford to loan, I amortized the loan. My monthly calculations came up with a monthly payment of {$1200.00}. ( Please see attached ). However the bank has never remotely approach that some and has overcharged me at least {$200.00} per month. ( Please see attached ) In an effort resolve this discrepancy I approached the branch manager on two occasions. His responses were totally unsatisfactory. He appeared not to understand my loan amortization calculations. I then approached a customer service representative at that branch and asked her to contact Key Bank headquarters to have someone call me to resolve this issue. She said she would get back to me in five days. After eight days I came to the branch and asked her if she contacted someone from Key Bank headquarters. She tell me she was unable to contact someone there but gave me the number to call myself. I then called Key Bank headquarters myself on at least six occasions with either a busy single or was left waiting for an average of a half hour with no one responding. Finally I managed to contact someone at Key Bank headquarters I explained the discrepancy in the loan amortization and said she would contact someone in the back to resolve this and would get back to me in five days. this was about a month ago and I am still waiting for an answer.
I was contacted by Equitable Acceptance inXX/XX/XXXXXX/XX/2017. They told me that I may be able to qualify for student loan forgiveness plans. They explained to me what that was. That depending on my income, which they eventually received and some other information, they told me that my payments would be {$15.00} a month for 25 years. After the 25 years the remaining balance would be forgiven. They also informed me that these programs that were put in place by the Obama administration were going to be removed by President Trump.  They also informed me of their monthly fee of {$39.00} for 33 months, which totaled {$1300.00} financed. A couple weeks later I contacted the government and they informed me that I actually had no payment due and that such things they told me were untrue. I called Equitable Acceptance right away and they said someone would contact me, they did, and they said they would listen to the audios and get back to me. But no one has.
I have been contacting Equifax and  XXXX   XXXX    XXXX   XXXX   for the last 5 months in order to correct information on my credit report. Equifax is the only credit reporting agency that is reporting  XXXX  accounts with  XXXX   XXXX    XXXX   XXXX    XXXX  account is for the amount of {$1200.00} and the other account is for {$500.00}. They are both debt to  XXXX   XXXX  in California.     I 've spoken with  XXXX   XXXX    XXXX   XXXX   multiple times and they have confirmed that the only information for those  XXXX  accounts that they have is my name. No other information included DOB, address or SSN match their records. I then have tried to file a dispute with Equifax, nearly twice a month and they continue to claim it 's valid. I 've informed Equifax that I 've spoken with  XXXX   XXXX    XXXX   XXXX    and they have confirmed with me that those  XXXX  accounts do not belong to me.     Every time I call Equifax, they will only file a dispute and refuse to assist me further.
I have sent disputes letters to the credit bureaus for this account, and the company did not respond. The company says I owe XXXX
I have been banking with Capital one bank for about 5 months now and back On XXXX XXXX between the hours of XXXX XXXX and XXXX XXXX I went to a capital one bank in XXXX TX to deposit {$260.00} in the atm so i could go school shopping for my daughter and not have to pull out cash and just be able to swipe my card. Ive had bank accounts since I was XXXX years old and never had atm issues so as i normally do I stacked up all my bills followed instructions on screen and gave the atm {$260.00} then the atm said their was an error reading my money and then cancelled the transaction and my money was never deposited and never returned to me. I immediately went in the bank and they said there was nothing they could do because they have nothing to do with the atm outside and gave me an XXXX number to the atm department and claims department. I called them but since it was a saturday they said all they could do was send out a request to look into the issue and contact me in 7 business days. So that Monday morning on XX/XX/XXXX i called the bank is XXXX and asked for a manager, i explained the issue and she transferred me to claims. The claims department issued a credit of {$260.00} and I thought my issue was taken care of, I was relieved and forgot about the issue until a month later in XX/XX/XXXX I received a letter stating there was no error in the ATM and i am required to pay back {$260.00} or my account will be negative and will affect my good banking credit. The claims department said they would have to call me back again after i said I do n't feel I should have to pay this so after ending that call I called the bank where this event took place and asked if they could review security camera form that date i need someone from this company to be on my side and can help me prove that this atm took my money so the man at the bank location looked at my account and said the issue was that they gave me a credit of {$260.00} twice and thats why i got the letter even though according to my transaction history it only shows XXXX credit and according to the letter they sent me it does n't say I was issued XXXX credits by mistake it says I need to pay back the {$260.00} because the there was no error on my account or atm. I am getting XXXX different stories and based on what I know happened and on the documents I have the atm took my money, they issued me back my money and now they are saying im lying and i need to pay it back. But the bank and the claims department are giving me XXXX different stories. Its just not fair.
im a XXXX veteran, my home has a {$8000.00} foundation repair issue i have been trying to get help from bank of america an the department of veterans affairs, the past " four '' years i have gotten no help from either agency ... ... ... ... .. 

i about to loose my home an they are refusing to give me relocation assistance, to help help me with my move,,,,,,,,, ,my foreclosure sale date is X/X/2018 i have no where to go, i have no help .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX ( XXXX ) XXXX cell
Transunion has fraudulent accounts on my credit report. The accounts are listed as XXXX XXXX XXXX and XXXX XXXX. I have never done any business with either of these companies. I have provided them with a police report to prove that I am a victim of identity theft and they 're still reporting these accounts as mine. They are in violation of FCRA 605 B.
I am in process of refinancing a Chase loan. We have had numerous issues, possibly illegal and/or unfair lending practices. The most important grievance is on the day of the closing Chase added a {$1600.00} Principal Reduction charge without any notification in addition they did not have a corresponding reduction in the mortgage amount. I received my last Closing Disclosure on XXXX XXXX and my closing is today XXXX XXXX. In addition, I sent a required check of {$500.00} to them and would like to be reimbursed and they are not responding to emails or calls. There are XXXX instances where charges were added after the initial application and good faith XXXX of which was an appraisal and the subordination fee. Both were waived in the initial good faith but had to be argued to be removed. All of which I have in writing. The loan representative has been fired / removed so he is no longer available. The processor is no longer responding. The processors manager is not responding. I need some assistance recovering the {$500.00} and lodging a complaint.
On XX/XX/XXXX, my Public Service Loan Forgiveness annual recertification was rejected for not having an employment start date, despite having been employed by XXXX as an XXXX since 2008, which my original form would state. <P/>I resubmitted electronically with a new form. I received a second rejection, this time stating I did not list a start date nor was the XXXX XXXX valid. I have downloaded the document I uploaded to the servicer and both details cited as reasons for rejection are in the document and valid.
Pulled credit report XXXX/XXXX/15. Sent validation request of 3 medical collection accounts. Received response from Business and Professional dated XXXX/XXXX/15 refusing to provide validation. Their " reasonable belief '' is incorrect ; validation request was NOT prepared or submitted on my behalf NOR was it supplied by a credit repair organization.
A stupid woman with an XXXX accent called and asked for me by name, she then asked to speak to someone named XXXX and called her my wife. I have NEVER been married, I told her this ang said I did n't know the person she was looking for. She said the I did know her as my last name was the same as the debtor she was looking for and she demanded I pay her loan, she threatened to put my name on a list to be attributed to the debtor. She was very rude and vulgar as all dummies from XXXX are, and she hung up when I tried to correct her. The caller I.D . traced back to the Wells Fargo Bank, on XXXX XXXX, in XXXX Il.
I asked Collection Consultants to stop trying to collect on a debt that has expired beyond the statute of limitations in California and remove from my credit report. They insisted they could still collect. Now, they have added false statements stating they're not able to reach me, although they have sent me notification to stop contacting them.
After multiple phone calls, letter and online disputes fraudulent inquires still are showing on my Credit Report and they need to be removed. See below for the items in reference.
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXXXXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX Inquiry fromXX/XX/XXXX Transunion : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
The original debt was owed to XXXX, who obtained a judgment against me. I paid them in full. A third party collector contacted me several years later, stating they would garnish my wages or levy my bank account if I did not pay. I told them the debt was paid in full, and provided proof. They stated the proof was not good enough. I have transcripts of internet conversations with XXXX that shows I have a zero balance and they state that they did not send this account to collections. The more information I provide to the law firm collecting my debt, the more they say the proof is not enough. To prevent them from garnishing my wages or levying my account, I have paid them for several years on a debt they know is not valid. They will not give my money back, and will not contact my attorney as she requested. As of right now, they have approximately {$1000.00} of my money that is not owed to them. I have been fearful of stopping payments because when I do, I receive letters detailing that they will take all legal action against me. I have a young daughter at home to provide for, and I can not survive if they levy my account. I feel as though I 'm being extorted to pay a debt that has already been paid, almost twice now.
This is a complaint against Barclays Bank delaware. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
XXXX XXXX, attorney -- Phone number XXXX Wells Fargo Case # XXXX Limited Homeowners : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Wells Fargo, thru XXXX XXXX have a judgement against XXXX XXXX from XXXX. We are in the process of doing a short sale. This judgement is a lien on the subject property. Therefore, in order to close the short sale, we need a release that will remove the lien from the property. We sent in a request for a lien release on XXXX to XXXX XXXX, the attorney. We have been trying to get a settlement or a payoff demand from them since then. We have been calling twice a week. We have received nothing. Each time we call we are told a different story, and to call back in XXXX10 days. The attorney, thru his assistants, is at this point claiming to not even have a copy of the judgement, and is saying that XXXX XXXX XXXX XXXX XXXX has not been providing it to him. 

Wells Fargo and XXXX XXXX are forcing this property into foreclosure. They have had ample time to respond to the lien release request and we are simply running out of time. The foreclosure date is set for XXXX/XXXX/XXXX. The lender will not give a further extension. 

Both Wells Fargo and XXXX XXXX have likely violated both state and federal law, as they are refusing to verify this debt. This is going to cause undue harm to the homeowner and everyone else involved in the sale of the property. 

Please see call log to the attorney 's office below ... ... 

XXXX/XXXX/XXXX - Lien Release request was faxed to the attorney 's office per the fax number the assistant gave me over the phone. 

XXXX/XXXX/XXXX - Gal that answered the phone said she would get the request to the attorney who will forward it to the client for their response. 

XXXX/XXXX/XXXX - Assistant said the request is with Wells Fargo ( WF ) and the attorney is waiting for WF to respond. 

XXXX/XXXX/XXXX - assistant said to call back Friday as they are working with their client ( WF ) to gain clarification XXXX/XXXX/XXXX - assistant said the attorney is waiting for WF to validate some things on their end. 

XXXX/XXXX/XXXX - Assistant said the attorney is still waiting for WF to validate some things on their end. 

XXXX/XXXX/XXXX - had to leave a voicemail for the attorney. Assistant said they could not discuss the current notes. 

XXXX/XXXX/XXXX - Assistant said the judgement had to be ordered and the attorney was working on it now. The attorney expected to have an answer to the release request tomorrow ( XXXX/XXXX/XXXX ). 

XXXX/XXXX/XXXX - Assistant said the process server claimed the judgement was in todays delivery but it was n't. The assistant said they would have XXXX XXXX email it to them on a rush and they would have it by tomorrow XXXX XXXX/XXXX/XXXX XXXX. 

XXXX/XXXX/XXXX - XXXX phone call I was told to call back in 20 minutes XXXX/XXXX/XXXX - XXXX phone call I was told to call back in 1 hour. 

XXXX/XXXX/XXXX - Today the attorneys office is claiming that XXXX XXXX never imaged the judgement in, and therefore someone would have to go down to XXXX XXXX and pull a physical copy of the judgement. 

... .Odd, considering we are able to pull a copy of the abstract off the title report just fine.
InXX/XX/XXXX, I mailed a certified letter to Experian and I never received the results of the dispute. I received an updated credit report in XX/XX/XXXX from Experian stating that the item XXXX XXXX in the amount of {$13000.00} was verified but it did not include any documentation stating how they verified the information. I called Experian and they stated that they verified the information and they have documentation on file, when I requested the information I was told they have sent it and I explained to them I have not received the information and I was told I would have to dispute it again in order to receive it. I also requested that all address that were being listed were reporting incorrectly and that the only address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. Any other address listed should be removed as it is not my address.
I was placed into a ( Navient ) payment plan I believe during XX/XX/XXXX and payments were made of {$130.00} from that point up until today. However, during XX/XX/XXXX i received a phone call stating that the program that i agreed to was not the right one any longer so I had to complete the over the phone process again and agree to terms. I then received a phone call in XX/XX/XXXX stating that the program was not the correct program again and I had to do the entire agreement over the phone again. In XX/XX/XXXX I received another phone call stating that I was not in the correct program although payments were still being automatically taken out of my account. I was apprehensive about these phone calls as it seemed every month i was getting a call stating that it was the wrong program, so I waited to see if another payment was going to be drafted as it in fact was. I believed that since payments were coming out, that I was still in the program and i did not receive anything in writing stating otherwise. I then finally received a letter in the mail in XX/XX/XXXX stating that I was now in default and the balance was due of XXXX. The entire time payments were being made and I agreed to the program they advised me on. I don't think it is fair and practical to call three months  straight saying I was in the wrong program although i agreed to the terms and made payments. I need help getting out of the default status and I believe the burden should be on them as they gave me wrong advice and stated that I was in a program for repayment. Thank you! I plan to call again to try and resolve this, however, they are not being as understanding as they should.