WillisBack/dataset-financial-user-claim huggingface dataset:
The issue here is that I have been wronged by XXXX along with numerous other establishments and their flagrant misrepresentations. The monies paid to this company were taken under false pretenses. On XXXX XXXX, 2014, upon request I paid {$3600.00} dollars to XXXX ( {$1900.00} ) charged on XXXX XXXX, 2014 & XXXX XXXX ( {$700.00} ) XXXX XXXX, 2014, they claimed that I would receive the following services, please refer to the enclosed letter for a summary of the events that occurred. Which to date, I have not received as described per our contractual agreement, which I have enclosed for your review along with incriminating documentation that they are in fact a scam. Disgusted, does not begin to describe my outrage, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised by the attorney general 's office that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX ( I was on the phone for at least an hour ), she mentioned that because the card was closed they wo n't look into the matter. This is simply unacceptable, please have them to look into the matter, they are supposed to be on my side! I would like my money refunded without further delay.
BK OF AMER ACCOUNT NUMBERs : XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX, DE 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 BK OF AMER or any company associate with this account # XXXX, 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 : BK OF AMER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I did n't make these inquiries it must be errors. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX XXXX - XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX +  Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX +  Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX
Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of XXXX XXXX and disclosed I made a recent payment while account was in collection, complete false. XXXX XXXX can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.
In XXXX I received a notice from Macy 's American Express that my account was overdrawn. Knowing that I had not used the card since the original purchases I made when I opened the account more than a year ago, I contacted them and reported the fraudulent charges. It was a frustrating phone call and process - which took about 45 minutes. When I received the fraud packet in the mail a few weeks later, I completed and faxed all requested information back to the company as directed, two weeks prior to the deadline. For the last 4 weeks, I have been unable to successfully speak with the fraud department or anyone on behalf of Macy 's American Express to determine where they are in the investigation. Every time I call, it says that the office is now closed ( I have tried through out the day, up to 10 times or more a day ) or I am rerouted to someone in collections and it takes a long time to explain that I am not delinquent on the account or going to make a payment on it because I am not responsible for the charges. I am getting harassing collections calls daily. I have explained that the charges were fraudulent and the I have filed a claim but the calls have not stopped and the callers do n't listen to what I am saying but instead ask me to make a payment. I am very clear in explaining why I 'm not making a payment. Finally, after long wait times and having to insist several times that I need to speak with the fraud department, I was transferred to a woman in fraud prevention ( note prevention, not investigation ) who explained that they recently converted to a new phone and computer system and she could n't see any record of my filing the complaint, but said not to worry because it was probably part of a 4 week back log in the department. I asked her what I could do about the collections calls because I am concerned about my credit. I said that it would seem that the system they use does not " share '' information in a way that would prevent the harassing phone calls while a fraud claim was under investigation.
I had a credit card with Capital One in XX/XX/XXXX-XX/XX/XXXX, due to the many outrageous charges from the bank, I disputed it. Then the bank charged it off and bought by collection companies. It has been resold to four different collection agencies, XXXX XXXX, XXXX, XXXX, and now back to XXXX XXXX again. XXXX XXXX says it will stay on my credit report until XX/XX/XXXX. That is over 14 years when it should have come off in XX/XX/XXXX. This has been resold several times. It is illegal. It has destroyed my credit and continues to do so everyday.
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Equifax XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : Equifax - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report.
On as man y as 10 o ccasions over the past year and as recently as  XXXX  of  2017, I h ave submitted disputes with TransUnion regarding an illegal tradeline on my credit report. The illegal creditor in question is  XXXX   XXXX   XXXX   XXXX . I have provided evidence that this lender is not legally licensed to offer loan products, nor collect in the state of Florida and this tradeline is therefore illegal and unenforcable under FL Statute  516 of the Consumer Finance Act. I have rep eatedly demanded validation of this debt and evidence of legal license from the creditor only to be told that the debt has been sold and verification is not provided. In  XXXX     2017 fo llowing the closing of my dispute with  XXXX  as " verified '', I contacted the creditor again demanding compliance with the FCRA, FDCPA and FL Consumer Finance Act by either providing evidence of the legality of the debt and full validation or removing this illegal account.  XXXX   XXXX  responded with a statement that they do not need to comply claiming tribal immunity. They then blocked my phone number and email preventing continued communications, sending me a letter shortly after attempting to extort {$280.00} to settle the alleged account.     A brief search of the CFPB database shows that this particular creditor is well known to be an illegal, online predatory lender who does not conform to state or federal law and routinely holds people 's credit repor ts hostage to  extort money from them.     I have repeatedly disputed this account with TransUnion only to be told that it had been " investigated '' and found to be valid. This is simply not possible as the creditor themselves has refused verification and a simple check of the online   XXXX   XXXX   XXXX   XXXX   XXXX    l icense database shows that they do not possess a loan origination or collection license, therefore making the entire alleged debt illegal, invalid, and unenforceable under state law.   XXXX   XXXX   XXXX       Statute 5 16 of the Florida Consumer Finance Act  clearly states that a license is required in order to make consumer finance loans as well as very strict guidelines on interest rates and terms that  XXXX   XXXX  is also in violation of. The law states that loans not in accordance with this statute are invalid and unenforceable.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven invalid. According to the Fair Credit Reporting Act, information that can not be verified or is found to be invalid must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am asking for the CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and invalid tradeline from my credit report.
Dear Sir or Ma'am, We are experiencing a financial hardship related to having to care for our son who is XXXX, consequently we are not current with our Mortgage with CitiMortgage. We had been able to make payments on line through their website XXXX. 
This morning to our surprise we found that the option to make payments is no longer available and our account locked. This was disappointing and creating more stress to not allowing us to have the opportunity to get our payment done. They advertise " We are here to help you '', however being locked out of our online account prevents us from making our mortgage payment to have a digital fingerprint of our payment. " Sorry you are not eligible to make payment online.
Going back to the end of XXXX beginning of XXXX XXXX XXXX based in California has been constantly harassing me about a 5 year old debt I was n't aware of. They called speaking extremely rude to me, threatening to sue me, telling me that this so called " debt '' will damage my credit score and that it will basically disrupt my finances, that they will garnish my wages, and they refuse to send me anything in writing, verifying that the debt is actually mine ( even after I have requested documentation every time they call ) and that it is n't a scam. They call non-stop and the guy XXXX XXXX was being very loud threatening and rude to me even after I told them to " do what you have to do '' telling me that I " need '' to take care of this and that other debts are n't as important and that it will mess up what I have going on in my life. They continue to call from numbers that are n't based in the US ( such as XXXX ) even though they say that they are based in California. When I asked why he lied about it.They keep threatening to take me to court and refusing to send me any information regarding the debt and that all these different horrible things will happen to me if I do n't pay them and telling me what I " have '' to do. Their number is XXXX XXXX XXXX.
I HAVE SUBMITTED POLICE REPORT TO EXPERIAN and   XXXX   SEVERAL OCCASIONS AND DISPUTED ACCOUNTS IN   XXXX   THESE ACCOUNTS HAVE BEEN DELETED DUE TO FRAUD AND THEY  RE  APPEAR ON MY CREDIT FILE I WAS TOLD TO GET A NEW POLICE REPORT AND SEND BACK TO THEM I HAVE DONE THAT AND I AM GETTING NO WHERE WITH EXPERIAN IN REMOVING THE ACCOUNTS THAT CAME BACK AND ACCORDING TO TH FTC I DID NOT RECEIVE A  XXXX  DAY NOTICE ON THE REAPPEARING ACCOUNTS THAT FRAUDULENT
In XX/XX/XXXX I fell behind on my mortgage and racked up some debt due to several visits to the ER and absences from work. 

I reached out to my mortgage company, Freedom Mortgage and applied for loss mitigation. I submitted paper work on XX/XX/XXXX and after some back and forth dialog regarding one missing signature on a document, I submitted the final document on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX stating my application as of XX/XX/XXXX was " facially complete '', and that a final decision is expected to be communicated withing 30 days. 

Instead I received two letters after XX/XX/XXXX, dated XX/XX/XXXX, stating my request for assistance has been received, at this time you application is incomplete, requesting all the documents I had previously submitted. Essentially starting the process all over again and negatively impacting my time line to request assistance and receive the appropriate assistance. 

All the documents requested are documents that were already provided. I believe this is intentional, the customer support team apologized and said they do n't know why, but this happens ALL THE TIME. The words of several customer support representatives. 

This is wrong and negatively and unfairly impacts people looking for assistance during trying times. Again, the items that they are requesting are the same items they described as facially complete.
I would like to file a formal complaint against XXXX XXXX. I have sent several formal requests, dated XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 and XX/XX/2017. I have certified mail receipts for the requests to validate accuracy of debt being reported to the credit bureaus. The amount they claim I owe has changed. A request for accurate reporting was requested after each change. Their reporting is inaccurate and incomplete. I've tried disputing with the credit bureaus, and they too say debt, has been verified and updated. When requesting Bureaus to provide how they verify, they fail to comply, which leads me to believe they have false, inaccurate and or incomplete information reporting against my social security number. Which is a serious violation of defamation. That is not legitimate verification reporting accurately. My requests have been clear and specific, but yet, I continue to get the same responses repeatedly that are not addressing my requests to validate this debt and the accuracy of the information being reported.
A previously removed account from  XXXX   XXXX   ( acc  #  XXXX  ) was removed from my Equifax report on  XXXX   XXXX ,    2017, According to FRCA, I was to be notified within 5 business days that an account  previously removed was to be reinstated. I did not received a notice and that account is back on my Equifax collection report. The collection company and Equifax are in violation of the FRCA, and this account need to be removed.
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by  failing to report complete and accurate information to credit reporting bureaus.
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.
ON XXXX/XXXX/XXXX I DISPUTED A COLLECTION ACCOUNT FROM XXXX XXXX XXXX XXXX IN THE AMOUNT OF {$130.00} ON MY EQUIFAX CREDIT REPORT. I RECEIVED NO RESPONSE. I SENT A FOLLOW UP LETTER ON XXXX/XXXX/XXXX. I RECEIVED A GENERIC RESPONSE, BUT NO INFORMATION HAS APPEARED ON MY REPORT SAYING THAT THIS ACCOUNT WAS BEING DISPUTED. PER XXXX  LAWS, IT MUST SHOW DISPUTED WITHIN 30 DAYS. AS OF THIS TYPING IT IS STILL NOT SHOWING DISPUTED. EQUIFAX IS BREAKING FEDERAL LAW AND I KINDLY ASK THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT OR COURT ACTION XXXX HAVE TO BE MY NEXT STEP. I HAVE ATTACHED COPIES OF MY LETTERS INCLUDING A 3RD LETTER DATED TODAY XXXX/XXXX/XXXX. I CAN ALSO PROVIDE PROOF OF DATES WHEN EQUIFAX RECEIVED MY CERTIFIED LETTERS AND PROOF WITH TIMESTAMPED CREDIT REPORTS SHOWING THEY HAVE NOT COMPLIED WITH THE 30 DAY MARK AS DISPUTED LAW.
My family has been getting very annoying letters and phone calls regarding  XXXX  different accounts from this company  Portfolio Recovery Associates. they  claim I owe them, money and they have contacted so many of my family members and sent out letters to  XXXX  different location where I do not even reside and I would like them to leave us all alone and remove their collections from my reports wirth the  XXXX  credit bureaus because these debts were never supposed to be help against me and I gad contacts both  XXXX   XXXX  and  XXXX   XXXX   XXXX  regarding them they understood when I told them my personal information was compromised. What right does this company have placing collections again me when I am a victim? And how are they allowed to send endless mail to my family members homes in  XXXX  and   XXXX   XXXX  . I live in the state of Nevada, this is all so wrong and I would like them to remove me from their databases.
I graduated a little over 2 years ago and my experience with Sallie Mae has been abysmal to say the least. There has been a lack of continuity from customer service, I have been yelled at by managers, and no one ever seems to know what is going on with my account. I was enrolled in their term-rate modification program and made my 3 qualifying payments on time. I specifically asked to have auto-drafts on the XXXX of each month. I initially ran into problems when my account manager accidentally enrolled me in the program with the wrong date. Subsequently, my account was charged for the amount and incurred overdraft fees for Sallie Mae 's error. I called and informed them of the issue, and they stated I would need to print and fax over the overdraft fees so that they could resolve the situation I do this and a week goes by they claim they had n't received anything ( even though I received a fax confirmation ). After running in circles with Sallie Mae I finally get a manager after calling at an inconvenient specific day and time and he has me email him the statement of charges. Everything is rectified and I begin the program. I was leery of setting up auto draft payments after the nightmare I experienced, but I did anyway to remain in good standing with my creditor and ultimately be responsible. Much to my dismay, and to no surprise my account again is drafted on the XXXX of the 4th month 1. for an amount that was not agreed upon ( less than the agreed upon amount ) 2. for a date that was not agreed upon. I call Sallie Mae they are unaware of the agreed upon amount and they are emphatic that the date in question was correct. I am now over a month behind on my student loan payment and had to close my bank account because the overdraft fees and surcharges were well over {$500.00}. Sallie Mae is worthless, incompetent, and criminal. If at all cost I would avoid doing any business with them. I would n't borrow water from Sallie Mae if they were selling it they are certified crooks with little interest in the consumer satisfaction.
I sent Transunion a letter asking for verification of Items on my credit report. I referenced section 609 of the FCRA. This letter was sent on XX/XX/XXXX.

I asked for Physical Verification Creditor for the following creditors : XXXX # XXXX ( the status of this account showing chapter XXXX bankruptcy ) XXXX XXXX XXXX XXXX # XXXX ( shows 30 days late XX/XX/XXXX) XXXX XXXX XXXX XXXX # XXXX ( account showing chapter XXXX  bankruptcy ) XXXX # XXXX ( account showing chapter XXXX bankruptcy ) XXXX # XXXX ( account was paid in full showing chapter XXXX  bankruptcy ) I requested documentation proving these items accounts should be in bankruptcy and that their mine.
Experian has been habitually keeping false info on my credit report. There should be no accounts providing serious delinquency. I was recently turned down by XXXX because Experian shows a credit score of XXXX even though equifax shows XXXX and transunion shows XXXX. I have been paying a mortgage for 9 months now with no outstanding debts. Experian needs to get their act together and update my info correctly or I will file a lawsuit against them.
We switched insurance companies and we received a refund on our prior policy premium. Bank of America ( XXXX ) asked to have this check forwarded to them so our Escrow account balance would not be low on or about XX/XX/XXXX. I signed and mailed in the refund check to XXXX. They returned the check since my wife did not endorse the check too. 
Inside of this returned check was a generic statement of why the check was sent back dated XX/XX/XXXX with our name. there was also someone else information in this envelope as our returned check was stapled to the information. The other individual paper work was the same generic letter dated XX/XX/XXXX which contained their name, address, and loan number. This is a violation of the XXXX XXXX XXXX XXXX. 
I contacted XXXX  on XX/XX/XXXX to find out more information in terms of if my information was sent out to the person 's information that I received or to someone else. The customer service rep had no information and stated that there was no other department or service that could assist with this matter. They did ask for me to mail back the other individuals information, which I will. With XXXX having access to valuable/life changing-threatening information and they can not and do not have a process to be able to track or tell me where or if my information has been breached needs to be addressed. A simple I am sorry from the customer service rep does not address or complete the process to address this issue. 

Looking on the internet this was the only government body to place a complaint, I could not find on specifically for the XXXX. If this is not the correct place to make this complaint, can you please direct me to that governing body? 

I do have copies of the information, but I will not attach to this part of the complaint.