WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA 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. 
PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
I am highly concerned about recent practice that Capital One has put into place. I asked my daughter to make a deposit into my account as I was unable to make it to the bank before they closed. Upon her making the deposit they requested her identification and social secuirty number - all this to make a deposit of 4 checks and cash, the total being less that {$4000.00}. When my daughter pressed to understand why they are asking for such information for a deposit, she was told that it was a new federal law to ask for Identification and SSN for a deposit. If she did not provide such information that the deposit would be rejected. When she relayed this to me, I immediately knew that this was not a federal law, it was more of a bank rule to safeguard againt check fraud. My concern with this is what are they doing with this information, especially the SSN. Are they mishandling non-client information for personal gain? One has no idea. That is very concerning. Futhermore, the inaccuracy of this being a federal law is ridiculous, and a compete lie that they are informing customer and non-customers alike.
I received 3 return packets from XXXX. I opened one and saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only received automated messages. (XX/XX/2018 ) I went to XXXX store at XXXX XXXX, XXXX XXXX and told them of this fraudulent activity and asked to check the name as spelt on the envelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. So I mailed back these packets with notes on Fraud activity. 

Later I complained on CFCB about collection agent hired by XXXX, and now an even more abusive collection has been hired by XXXX. 

( Saturday XX/XX/2018 onwards ) I have been getting many calls from Diversified Adjustments, and I told them that I have reached out to XXXX numerous times. But they still threatened me with consequences. Previous history below ( resolved with XXXX ) I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad.
I have an address reporting to my XXXX, TransUnion and XXXX credit report that is not my address.
My problem is with equifax, this started early spring of XX/XX/XXXX. They report things on my credit that are seriously wrong, and they refuse to fix or show me proof under the federal guidelines of how they are saying this is correct on my report. 
For example they show a XXXX XXXX that was made in XX/XX/XXXX, it was not with this company it was with XXXX which is out of Buisness for at least 7 years. They tell me I have to call the companys reporting this, also wrong addresses that I have never lived in those citys, and my full name is wrong as well.
I had a yearly escrow analysis done on my mortgage account, which at the time of the analysis was just a little over XXXX months old! Then I was told that a second XXXX had to be done to correct the problem are to see if there was a problem with the first XXXX and it would take 5 days to be completed. Its now been 8 days and its not completed
I wrote a complaint on XXXX/XXXX/2015 regarding the collection practices of Delaware Solutions LLC. Today, XX/XX/XXXX, XXXX XXXX from Delaware Solutions called me again and stated that I 'm being served papers today if I do not pay a past due amount on a payday loan taken out XX/XX/XXXX. I told XXXX that I know my rights under the FDCPA and that I 'm requesting debt validation in writing and I have the right to dispute the validity of the debt. XXXX stated that they have already proven that it is my debt just because they have my social security number and email address. I informed him that I have sent a cease and desist letter and he stated he will continue to call me everyday to get a payment regardless of the letter. He then called me a XXXX who sounded like an XXXX and did n't know the laws. He continued to call me stupid as a recited my rights as a consumer. He then told me that I was going to be arrested and will serve time in jail for the unpaid debt. I informed him that he was breaking the law by using abusive language and by threatening jail time and he stated he was not. I hung up the phone, he immediately called back yelling at me that I was going to jail.
The collection agency was not garnishing my social security for the past year and it said my debt was forgiven and when they did start to garnish my XXXX they never notified me
On XX/XX/XXXX, I contacted Bank of America customer service due to suspicious activity involving my XXXX XXXX XXXX XXXX upon logging in to my account online. There were 3 three transactions in Pending status ( Two transactions on XX/XX/XXXX, both in the amount of {$80.00}, and both to the same company : XXXX XXXX XXXX - an electronics company, and another transaction onXX/XX/XXXXto XXXX XXXX XXXX XXXX XXXX  in the amount of {$16.00} ).

The supervisor, XXXX, stated that even though the transactions were pending that the charges had already been processed and they could not be reversed. She stated I would have to fill out multiple documents online, some of which required me to make police reports and affidavits that needed to be

notarized. 1. ) I never lost my card and likely the card number was stolen from an electronic breach somewhere and was used without my card even being present. 2.
) Bank of America did a poor job of monitoring my account for suspicious activity and allowed a XXXX card to be used for everything from electronics and towing services from the US east coast to the west coast in a 3 day period. These charges were not declined nor was I even contacted regarding this abnormal activity.

3. ) Bank of America put it on me to go to extreme lengths to refute this activity before they even began to investigate the matter.

4. ) I was and still am unable to use those funds for their true purpose which are medical expenses in my account due to this fraudulent activity that has decreased my available balance.

5. ) Because it's an XXXX  that accrues interest and allows me to invest in the stock market, I am losing out on interest as well as an increased rate of return due to not having those available funds available to me.

6. ) Because XXXX   expenditures are monitored by the IRS and are tax deductible if used solely for health expenses, I now show expenses being used for electronics and car towing purposes that I will have to report on my tax returns that will count account against me thereby causing me to pay tax penalty on these items.

Bank of America has been unwilling and uncooperative in resolving this matter in a timely and proper fashion. What is worse, they have no way of preventing this from happening again as they informed me that they can not alert me via text message for purchases that are made without the card being present as my other personal credit card companies have the ability to do ( note the XXXX app has deplorable reviews and was inoperable for me as it is for many others based on their comments ). XXXX also stated that Bank of America also has no way of notating my account for alerting me of purchases that are made for things other than their intended purpose with are health related expenses.

Bank of America is responsible for rectifying all aforementioned items above due to their poor handling of credit card fraud despite my due diligence of alerting them to the suspicious activity in a timely fashion.
I went into the XXXX and XXXX XXXX branch of Wells Fargo in XXXX, Oregon and attempted to make a withdrawal of 20k on XX/XX/XXXX and the teller told me they couldnt do it and did not give me a reason why. After I asked for the situation to be escalated, the teller alleged he went to ask his branch manager, XXXX XXXX, and she had said no. However, managers have always been out on the floor or at least come to speak to the customer to give them peace of mind, and I did not see her at all so I dont know if she was even there. Additionally, when the teller gave me a blank piece of receipt paper to write my personal information on for them to order the cash, I never received a call and it is now XX/XX/XXXX, so I assume they just threw it away. I dont know if it is because of my race, or the way I look, but I have never received service like that at any other Wells Fargo branch. This bank breaks their promises to customers and never tried to do things correctly anytime ( let alone the first time ), they went out of their way to make me feel unwelcome and be unhelpful. Hands down, the worst service I have received in my life at a financial institution. Make no mistake, I will be going on social media to make sure no one else receives this type ( or lack thereof ) of service.
I applied for credit at Synchrony Financial in 2011 to purchase a SONY camera. My credit is/was about XXXX. Synchrony Financial gave me a credit card with 29.99 % interest.
I paid a bill for an XXXX and now the collection agency is telling me that a 'MISSED ' payment was applied to " another account '' so I still owe them money. This is incorrect. They have either stolen a payment or misappropriated a payment. I set up over the phone a series of payments that paid off the entire balance in full. They cashed the first, third, fourth, etc.. payment and are saying that I did n't pay one of the payments. My bank statement documents the deduction to their account but they do n't want to acknowledge this.
I lost my one chase credit card and one XXXX  XXXX credit card on XX/XX/2018 at XXXX XXXX. Someone used my this cards at XXXX XXXX XXXX XXXX XXXX XX/XX/2018 at XXXX XXXX. And same card used in XXXX   XXXX  also. I informed to my credit card company immediately About this transaction and request to cancel these transactions.
After reviewing documents, I have discovered that A mortgage was given to my deceased father without my consent. I am also an owner of the property and since he is dead, no longer has any entitlement to said property ... nor does the mortgage company.
I copy of inaccurate information relating to my criminal background was sent to a prospective employer on XXXX. The inaccurate information states that I was convicted on a XXXX XXXX XXXX on XXXX with a sentence of 60 hours of community service. The information is inaccurate because I was never charged in this case as the case was fully dismissed. I checked with the XXXX County Superior Court of XXXX and verified that the information presented on their end reflects just as I said, the case was dismissed & I was never charged.
Today I checked my balance on my Walmart Mastercard by calling the toll free number XXXX. I 've been a customer for more than 2 years and I 've never paid late and have always paid my balance by the due date. When I call the account services number I usually get a message that my account has been matched with my social and it asks me to enter the last XXXX digits. This saves a lot of time. Recently I made a complaint to Synchrony bank, the servicer of the Walmart Mastercard, about walmart.com charging me for a toaster that I ordered online XXXX XXXX, 2016 at Walmart.com and then canceled the same day because it was n't available for free same day pick up at the store as promised. So today after checking my balance via phone call and finding it different from my calculations, I called the toll free number a second time so I could check my recent transaction history and find out if the toaster I DIDN '' T BUY has been removed from my recent transactions. On the second call I was asked to enter my entire account number and then last XXXX of my social, and the system said it did n't recognize it. I tried again and got the same response. So now I have no way to dispute mistakes on my account or ask questions or get customer service. I have NO faith in the security/integrity of walmart.com and I 'm not going to do transactions on their website. I really do n't want to believe that Walmart /Synchrony would lock me out ( although it looks that way! ) to retaliate against me for being vigilant about my own credit usage and making legitimate complaints about Walmart.com 's mistake!
XXXX XXXX XXXX XXXX XXXX  keeps calling me repeatedly from a restricted number and I have no way to call the number back which is an illegal collection practice. They must call you from a number that you can call back. Also there was {$2000.00} payment applied to my account and they did not give me credit for that {$2000.00} payment which was made because of a illegal contract that was made through a 3rd party. XXXX XXXX and XXXX  XXXX XXXX are corrupt. 

Mind you they spoke with my daughter because she is a collector and answered the phone knew they couldn't call from a restricted line. Did not verify any identifying information to confirm who they were talking to. Anyone could have said they were me they disclosed it was a debt and also disclosed it was about to charge off.
On XX/XX/XXXX, I mailed a copy of my police report, driver license, identity theft affidavit to equifax ( certified mail XXXX XXXX XXXX XXXX XXXX ). Although they verified receipt of the mail via phone and returned receipt, the fraudulent accounts remain on my credit. The accounts are as follows : XXXX XXXX XXXX - XXXX Amount {$370.00} XXXX XXXX XXXX Account - XXXX Amount : {$71.00}
Our mortgage was transferred to XXXX then XXXX, and now Seterus inc after experiencing a financial hardshipp a few years ago ; since then our lives have been full of surprises, every time we turn around we finding out different problems. Our most recent was in XXXX XXXX XXXX I schedule a payment thru their web portal however we noticed that the funds had not been withdrawn from our bank account my husband, and my self have been in touch with the bank, XXXX XXXX, and of course this so call company. It is now XXXX XXXX and our issue has not been resolved. We are hopping that this is not an other trick to cause a late payment this way we are not going to be able to apply to remove the PMI that we have been paying since we bought our house back in XXXX. Due to the financial crisis the value of our home is low. And this is just the most recent problem back in XXXX I filled for bankruptcy however the mortgage was not included up to now I am still trying to make understand that this was not included in the bankruptcy. They keep asking me for a reaffirm letter from my lawyer I have discussed with my lawyer, and I was told that I do not need to reaffirm. During the time that the bankruptcy was in process they had increased our escrow, but we were never notified so every time we were making payments they did not post them and as result we end up having several miss payments because according to them the amount sent was not wright. In the mean time they never made a call to let us know. They also send someone to inspect the house and of course we were not aware, and there was a charge of {$15.00}, but because we did not know we did not added to our mortgage payment. I also changed my last name and I sent a written request to have this changes made. I do n't think any XXXX had the courtesy to look at my request. I have been reading many complaints about this company, and I can assure you that everyone is describing the horror they are living with this so call company. Please someone MUST have some compassion, and should try to help investigate the issues that many of us are going thru. I hope my complaint is not just XXXX more for the collection of this living hell situation, I also forgot to mention that when I requested to speak to a supervisor I was never transferred to no body. Please who ever is in charge to make sure that customers are treated with dignity, and respect needs to reenforce, and advocate for all of us and definitely take this crooks from continuing ruining peoples lives. We have already enough stress in our lives to worry about what is being done to our finances. I must also say that banks are so cruel to give your loan to people that do not know what their doing. Life is very strange on day your up the next day you maybe down. And when things like this happen is very frustrated. Thanks
I originally borrowed close to {$50000.00} for graduate school. At the time, I borrowed from XXXX XXXX at the time a reasonable interest rate of 4 %. During the period of two years the rate was consistent, but then was transferred sold to a XXXX bank and had ballooned to 9 %. Now, I owe close to {$400000.00} since 1997. I have never been able to pay the monthly payment and have since enrolled in an IBR. I have also applied for the Public loan forgiveness program in Hope 's of salvaging some sort of life with this debt. I was never made a ware the loan could reach such heights with the end result of all that investment leading to a trap. It's unfortunate everyone is vulnerable to such bad lending practices. Please help us.
I took this private loan out in 2013 to cover costs that my financial aid and student loans wouldnt cover. I submitted a deferment/forbearance request mid last year since i have been having these loans deferred since 2013 and after speaking with the agency they told me that they didnt receive it. So, they offered me a lump sum amount to pay off which i could not afford and a monthly payment which i also could not afford. So now the loans were sent to another agency and is in collection and has lowered my credit score due to derogatory marks on my credit. I need some help on what to do. Thank you.
I am filing this complaint after receiving a letter from Chase today alleging a lie to cover up their illegal activities. In the letter ( see attachment ) dated XX/XX/XXXX Chase asserted that we cant consider you for mortgage assistance because we didnt receive your initial request by the required number of days before the scheduled foreclosure date. THIS STATEMENT IS A LIE. I REPEAT. THIS STATEMENT IS A LIE, AND I CAN PROVE IT! 
Chase has repeatedly made false allegations like this to us for more than four years. Most of the Chase Request for Mortgage Assistance applications we have sent to Chase have been ignored ( see attachment ). Nonetheless, In XX/XX/XXXX, our Chase dedicated relationship manager in XXXX, Florida spoke to the Chase branch bank manager and vice president in XXXX, Georgia. He ( the vice president ) told her ( our dedicated relationship manager ) that he personally faxed all of our documents to her the previous week and confirmed their receipt in her office at that time. In spite of this fact, she requested through the branch bank vice president that we submit our application and all required documents to her again for the 33rd time in 18 months ( see attachment ). Consequently, our dedicated relationship manager sent to our home address a XXXX envelope for us to submit our application and documents back to her again. We sealed the documents in that envelope and took it back to the Chase branch bank so that Chase employees could send it to her through XXXX. 
The Chase branch bank in XXXX, Georgia took receipt of our envelope of documents and gave them to XXXX. XXXX tracking confirms that our application was received by our dedicated relationship manager in her actual office on XX/XX/XXXX at XXXX XXXX ( see attachment ). After that date, we never heard from our dedicated relationship manager again regarding ANY aspect of our application. 
Chase proceeded in XXXX to schedule a foreclosure on our property for XX/XX/XXXX in violation of the laws of our state for multiple reasons, including failure to provide proper notification as required by law. As such, this proves the statement made by Chase to us in their letter dated XX/XX/XXXX is a lie because we submitted our Request for Mortgage Assistance application to Chase more than thirty days before Chase took illegal action to attempt a foreclosure on the date of XX/XX/XXXX. Our " dedicated relationship manager '' failed to process our application despite our having previously submitted it to her in XX/XX/XXXX, and well as on 32 previous occasions in the past 18 months.
CA N'T GET MY FREE ANNUAL CREDIT REPORT FROM EXPERIAN. THEY GIVE NO REASON WHY, JUST THAT SOMETHING PREVENTS THEM FROM GIVING IT. ALMOST EVERY YEAR I HAVE TO FILE A COMPLAINT TO GET IT, INCLUDING LAST YEAR. I HAVE NEVER HAD A PROBLEM WITH THE OTHER XXXX CREDIT AGENCIES AND I GET ANNUAL REPORTS FROM ALL XXXX FOR MANY YEARS. I NEED YOU TO FORCE EXPERIAN TO GIVE ME MY FREE ANNUAL CREDIT REPORT, LIKE YOU DID LAST YEAR, AND TO CORRECT THEIR SYSTEM SO I DO N'T HAVE TO FILE A COMPLAINT EVERY YEAR.
I have sent a police report to transunion in reference to inaccurate information on my report along with a dispute letter with no response. So I have sent another letter with my copies of police report to hopefully get this rectified. No information was sent to me stating they have verified any information.
This loan is with XXXX XXXX I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called XXXX XXXX twice to fix this the first time they told me to wait until the end of XXXX and it will update XXXX I call Transunion to report the incorrect information and the report came back that the information was correct and I sent the receipt from XXXX XXXX they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.