WillisBack/dataset-financial-user-claim huggingface dataset:
FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : 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 FAIR COLLECTIONS & O 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 Furnishers of Information. 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 : FAIR COLLECTIONS & O 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 SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
On XX/XX/XXXX I sent in a police report and a copy of a letter I received from the bankruptcy court stating that all the credit bureaus including lexis Nexis get my information from a pacer system and not he actual bankruptcy information from the courts. 
Lexis Nexis refuses to delete the bankruptcy from there records permanently. 

In XX/XX/XXXXand XX/XX/XXXX I was a victim of extortion a girl used me for money which is why I filed a chapter XXXX they claim the bankruptcy needs to stay on my report XXXX and I strongly disagree. 
the person XXXX XXXX took advantage of me I had no choice
I have previously disputed the mortgage reporting by Bank Of America on my XXXX mortgage during my chapter XXXX converted to XXXX and discharged bankruptcy.They have responded that they reported correctly and experian has done a supposed investigation and claim verification.In XXXX 2015 Bank of America and XXXX XXXX XXXX entered into an agreement with the FTC concerning them reporting discharged accounts as still open and not discharged.I am asking that they abide by what they told the CFPB in their agreement they would do that was supposed to be done by XXXX XXXX am uploading my proof that they are reporting false information number XXXX that i was late and that an account that was transferred to XXXX was charged off.This same account has now been transferred to Ditech.Seems like a lot of reporting for a charged off account, that i am still paying.I am requesting that Bank of America XXXX XXXX and XXXX all correct my credit reports with all XXXX bureaus to reflect this is a discharged account with no late payments and no charge offs.I am astounded that the CFPB can not even get these companies to abide by agreements they make directly with them.
I am just finding out after 3 years that someone has incurred a bill and opened an account with XXXX back in XXXX XXXX, 2015. I DID NOT NOR HAVE NOT EVER HAD XXXX XXXX OR ANY PRODUCTS FROM XXXX! I am just being made aware of an account that was supposed to be had by me when i recently viewed my credit score on XXXX XXXX. It has had a negative and profound affect on my credit score and there is a derogatory remark on my credit report and I am currently disputing this claim against me and I further found out the name of the collection agency it was turned over to. I want this debt cancelled and erased form my credit profile because IT IS NOT MINE!!! Here it is two years later, only for me to find out that i have been a victim of fraud and an account has been opened with my name and I never had my id or license lost or stolen so how could this be? PLEASE I am asking for help in this matter and I never seen a bill came to my house or phone calls regarding this issue.
I am really hurting financially and have XXXX XXXX XXXX XXXX XXXX XXXX. The doctors are researching other issues. I am unemployed and living with my parents who are on social security and in their XXXX 's with serious health problems. I filled out an application for the RP program and sent it with XXXX checks. They have not posted it yet and I am getting collection calls. XXXX from an agency that I have never heard of. The point is that XXXX of my loans is with the National Collegiate Trust. They buy and sell loans, I find this to be unethical. Well they can not give me my original promissory note due to my understanding they do not know who owns the note. My family can not continue to pay these loans. i am meeting with a XXXX attorney and eventually will not be able to work. AES has been terrible to work with and they will not let me talk to my loan servicer me who it is ; it has been changed to my understanding. National Collegiate Trust I believe owns part of it or should I say buys and sells loans. So that investors can make money of my back of struggling to survive. That is twisted and unethical. My parents are in their XXXX 's and XXXX as well ; we can barely survive right now. The future looks bleak with the imminent collapse of the stock market and economy.
On XXXX/XXXX/XXXX I gave permission for a credit bureau to check my credit. for a home loan. When the loan was looking like it was n't going to go through due to my credit report. I pulled my report to find this company did another hard inquiry that I did not approve of. Then to find out its listed as miscellaneous. which in turn looks worse. I contacted the company which they never once returned my call or tried to help. instead I get put on permanent hold and or the call gets " lost ''. 
the company name is : 1 ) I R XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
I am a victim of identity theft. I recently learned that my personal information was used to open 2 accounts XXXX XXXX XXXX XXXX opened XX/XX/2018 and XXXX opened XX/XX/2018. I  contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau or creditors. They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, close and delete these 2 accounts and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. Thank you
I submitted credit dispute letter and police report to Equifax on 4 different times requesting to hard inquiries removed as I didnt authorize the inquiry and have been a victim of fraud the bureau refused to removal the inquiry stating inquiries are a matter of factual record ... how can these inquiries remain on my file when I have proved Im a victim please sssist The inquiries in question are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX I have never authorized any inquiries on any dates
My issue is with PayPal Credit. 

On XXXX/XXXX/17 I purchased an item from a seller on eBay and paid the seller using PayPal Credit ( {$130.00} ). 

Sometime after this transaction was completed, my XXXX account was compromised and the fraudster changed my contact and address information ( I did n't learn of this until several weeks later ). The XXXX seller shipped the item to the fraudster 's address, so I never received it. I contacted eBay and they confirmed that my account had been compromised, so we changed passwords to rescuer the account. 

In the meantime, I filed a dispute with PayPal ( dispute ID XXXX ). I was just notified by PayPal that they declined my claim, as they confirmed that seller had shipped product. YES, SELLER SHIPPED PRODUCT TO THE FRAUDSTER 'S ADDRESS AND I DID NOT RECEIVE. I should be covered under PayPal 's Buyer Protection promise.
On XX/XX/XXXX we checked into our hotel room and XXXX held {$740.00} to cover room charges. On this card once this happens the funds are immediately removed from the account and typically held until a request from the hotel is made to collect funds. I have a receipt from the hotel on XX/XX/2017 stating the funds had been collected. At this time I was in the hospital and a unauthorized charge for XXXX was taken out of my account. I called XXXX and made them aware that this had happened while the transaction was on hold. They told me I had to wait until the transaction was complete to dispute it even though I told them I did not authorize the transaction. I was also told that I had to wait 30 days for my deposit to be refunded by XXXX On the XX/XX/XXXX the funds of XXXX were sent to XXXX. These transactions sent my account into a XXXX dollar negative balance and they were unable to explain how this happened. I am unable to use my account until this is resolved or pay rent.
XXXX XXXX XXXX XXXX has placed a debt on my credit report that I DO NOT OWE. I have written to them several times and told them to return this debt to the original creditor due to insurance dispute. The insurance company is reviewing this in the meantime XXXX was put on notice about this and I am demanding that this be removed off of my credit report immediately. This is a fraudulent use of collection tactics and I am demanding that they are fined in the process.
Complaint under the Federal Fair Credit Reporting Act ( FCRA ) I applied for a {$25000.00} auto loan on XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( application # XXXX ), while at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX, CO XXXX. Hard inquiries appear on both my XXXX  and XXXX  credit reports from both XXXX XXXX and XXXX   XXXX XXXX on this date. XXXX XXXX declined my application stating in writing that I have a previous repossession with their company. They have refused to give me any additional information or even speak with me. I have never had a loan much less a repossession with XXXX XXXX or any other company. Additionally, my credit reports are clean and do not contain a repossession or any negative information. 

I believe that I am a victim of identity theft. Under the federal Fair Credit Reporting Act ( FCRA ) I have the right to any and all information XXXX XXXX has on file about me and to dispute any and all inaccurate or erroneous information. 

Again, I have never had a loan or cosigned on a defaulted loan with XXXX XXXX or any of its affiliates. Nor, have I ever defaulted or cosigned on a defaulted auto loan of any kind from anyone. Therefore, I dispute the information XXXX XXXX has in their files as false and it must be removed. 

Contacts I have made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Very Sincerely, XXXX.
Equifax is reporting an account for XXXX XXXX that was discharged in my Chapter XXXX Bankruptcy XX/XX/2003. The account is over 7 years and in violation of FCRA.
On XX/XX/XXXX I called Discover card and reported fraud on my acct. 
3 separate charges were made in XXXX on the same day, XX/XX/XXXX, for {$510.00}, {$3600.00} and {$1500.00}. Discover card refused to remove the charges and will not do anything. I have sent 3 certified letters telling them these are not my charges and asking for some sort of signed receipt or proof that they have but I get no response! They just ignore me and keep charging interest. I have not even gotten a call to find out why I 'm not making any payments and it 's been almost a year.
I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XXXX, XXXX and XXXX of XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XXXX was missed therefore I paid two car notes in XXXX in the amount of {$1400.00} for both months. I paid XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XXXX XXXX and XXXX, XXXX in which they should not have been trying to do, then received XXXX 's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment onXX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
I have been going back and forth with my mortgage company Selene Finance for a very long time as I try to resolve my missed mortgage payments with them. I finally decided to just try and do a short sale and listed my home. We presented Selene with a couple of excellent offers that matched the market value but Selene would not accept these and has instead set a foreclosure auction date. I recently became aware of the fact that there are new homeowner assistance programs for borrowers with GSE loans backed by XXXX XXXX. I have asked Selene to review me for these programs and have cancelled out the short sale. Instead of working to review me for these programs, Selene has moved to sell my home I have owned for 30 years. I deserve a chance to be considered for these XXXX XXXX programs, and can't understand how or why Selene would obstruct my access to them. Additionally, Selene Finance has failed to offer mediation through the state of New Jersey as an option to resolve a dispute like this. I found out that they are required to offer this option so that an independent third party can intervene. Once again, Selene is not giving us access to these options. 

My problems began several years ago. I worked as a self employed XXXX XXXX XXXX  for nearly 30 years. I was diagnosed with major health issues and this led me to have cut down on my hours. In that same time frame, my bank account was frozen because of irregular activity. I had an international account and someone had gained access and was illegally withdrawing money. As a result my account was frozen. It took me a long time to straighten this out and as a result I fell behind three payments on my mortgage. I began trying to work this out with XXXX XXXX at that time. It was a mess and then they went out of business and the loan was transferred to XXXXXXXX XXXX who I tried to negotiate with. Then it went to XXXX, then to XXXX then back to XXXX and now it is with Selene Finance. Every time I was making progress towards a resolution my loan would get transferred and this has continued on for a long time. I have wanted to fix this problem and try and resume making payments but continue to run into issues from the lenders I have to deal with to make this happen. My concern at this time is that there are several new homeowner assistance programs that are available for borrower 's with GSE loans backed by XXXX XXXX. Selene Finance has not allowed me access to these programs and has not given me a chance to be considered for any options. I tried to sell the property as a short sale as Selene suggested for close to a year but they kept rejecting good offers. At this time I am very frustrated with Selene Finance and I want to be reviewed for ALL homeowner assistance options. Although I am XXXX and retired, I do receive a monthly XXXX disbursement as does my wife. We also have a tenant who shares our home with us. I believe we have sufficient income to make a reasonable mortgage payment if Selene would work with us.
On XX/XX/XXXX I received two alerts regarding XXXX XXXX XXXX and was unable to retrieve additional information that adversely affects my credit for employment. 

On XX/XX/XXXX I received a notice from XXXX of two major derogatory reporting a court to find XXXX XXXX XXXX named themselves as a court on my credit file, filing an erroneous rating and comments using the Court system to reduce scores since XX/XX/XXXX and to cause more damage. In result of every dispute, Equifax allows Creditor to continue adding conflicting balances, status, etc 2 to 3 times a month like a system after receiving a dispute XX/XX/XXXX favoring a Creditor word or mouth over a consumer discovery as sent.
I am once again requesting to have fraudulent accounts removed from my report. I requested prior that these items that do not belong to me be removed from my credit report. I have attached FTC report XXXX as proof this is FRAUD. Please remove XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX/XXXX. I also want the following unauthorized inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX removed. I am not working with any type of repair clinic. I am just asking again of fraudulent information be removed from my credit report.
The collection agency properly can not verify this debt from XXXX XXXX XXXX after several validation requests yet it is still being placed on my credit report. I have written to the agency and the credit bureaus asking for removal. It has been more than 30 days since my request and they can not locate the information as requested and required by law. They never sent me a certified letter either as they claim and can not furnish proof by sending me the certified letter proof number. This is fraud.
A man keeps calling my cell phone looking for a XXXX XXXX, my name is similar in last name only " XXXX '' & I do n't know this person & wish they would stop calling my personal cell ( I have had the same number for 20 years ). I did tell him to stop calling but he continues. 
The Number they are calling from is XXXX I also keep getting a recording from XXXX & it is a robot that is offering air conditioning services. 

Please let me know if you can help
on XX/XX/XXXX I went online and pulled my annual free credit report this included Transunion 's, XXXX and XXXX  information on my credit. I then disputed a number of accounts they listed were still open that should have been closed, i.e. XXXX  XXXX XXXX XXXX XXXX which is an account I closed on my behalf last year. Transunion and the others is showing that this account is still in my name. Also Transunion and the others is showing that I still have an auto loan with XXXX XXXX from XX/XX/XXXX. I disputed this online at their web site that this account is paid off and should be closed. When I checked Transunion and the others again this week I found that they did not correct the XXXX XXXX XXXX or the XXXX XXXX account and correct this infomation.
I pulled a copy of my credit report and to my surprise I noticed that the credit bureau is reporting a medical debt that keeps being sold to several collection agencies illegally. Each time it can't be verified it's sold to someone new this alleged debt they are reporting under my social security number. Being that I constantly check my credit report to ensure that the credit bureau only retain current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHTS to do so. I DID NOT AUTHORIZE the credit bureau to mis-report any mis-information now or ever. Equifax is reporting inaccurate incomplete information in regards to XXXX XXXX a medical account.
J.P. Morgan Chase bank foreclosed on my house on XXXX XXXX, 2017 without Notice as required by law. I notified the attorneys of the deficiency  many days before foreclosure and they ignored my notification and foreclosed anyway. 

J.P. Morgan Chase Bank qualify as a third party debt collector as defined by the FDCPA 15 U.S.C. 1692a ( 6 ), hence not a security interest and has no right to foreclose.
I recently found that Naviant had filed delinquencies on my Credit Bureau. I was a co-signer for my son 's Student Loan and he had fallen behind. The loan was re-financed without my knowledge and when I called in the last 12 to 18 months to inquire about derogatory items on my Credit Bureau, I was told that it would take 6 months to resolve. I followed up by pulling my Credit Report and my score had continued to drop. I called Naviant again and they would not take my call without my son or daughter-in-law. I called with my daughter-in-law and they stated that they did have a recorded call of me being told this would be resolved in 6 months but there was nobody there that knew how to remove me as I was promised.
I have discussed these issues for over a year with all three agencys with no avail.!!! 

Please note, I have sent in letters from agencies that have requested these agencies to take this old information off my reports. 

They will take them off then a month later put them back on even when companies have requested them to take them off. 

Each time these agencies re apply these to my reports without knowledge of deptors or myself, it severely damages my credit I have worked so hard to re build. I am requesting that adverse action be taken immediately against XXXX, XXXX, and Equifax and have them take them fix these issues.