WillisBack/dataset-financial-user-claim huggingface dataset:
Sir or Madam : To whom it may concern 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 XXXX XXXX XXXX XXXX XXXX XXXX Credit CardXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXXInquiry from XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXXXXXX XXXX XXXX Closed :XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXX $ XXXX XXXX XXXX XXXX - XXXX XXXXNeeds Attention Last reported : XX/XX/XXXXXXXX XXXXNeeds Attention Last reported : XX/XX/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 ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I applied for a loan modification thru the hamp program, My current mortgage went from XXXX to {$1200.00}. Its still 46 % of my income. I did not receive any financial relief with the program that I applied for. I am also question the current interest rate that went from XXXX to 4.250 % The current marrket rate is 3.4 %. The servicer of my loan is not giving me any relieft what so ever regarding my current loan. I am need of help as soon as possible.
On or about XX/XX/XXXX/16, a hold appeared on my bank account. I say on or about XX/XX/XXXX because the bank website keeps information only for 24 months, but I know that the hold was placed between XX/XX/XXXX16 and XX/XX/XXXX/16. The hold is for {>= $1,000,000}. I asked Chase Bank to take off the hold, but they stated it was a government hold and I would have to wait. I have waited three years almost and the hold is still there. The balance in the account per Chase is {$2100.00} but the available balance is {>= $1,000,000}. I don't know what to do to get this hold removed.
I have a collection account from XXXX XXXX on behalf of XXXX appearing on my Equifax and XXXX credit accounts. I live in a complex where my cable is included in my cable bill, through XXXX in the amount of {$99.00}, and is paid monthly with my rent. I do not have an outstanding bill with this company. This inaccurate information needs to be removed from my consumer file as this is not my debt. I still currently live in this complex which means that my XXXX bill has always been paid on time as it is not even billed directly to me and must be paid rent or my rent would be delinquent.
I, XXXX XXXX was contacted by letter from Bass & Associates. The letter was address to the Estate of XXXX XXXX. Now prior to this, I had been receiving treating phone call recordings from a debt collector on my cell phone but discarded as scams and blocked them each time from my cell or at times I did call back with no result. Now, once I received this letter I right away called this cooperation. I gave my name only and she confirmed with me that I was alive. I said yes, and wanted to confirm they were talking about me, due the fact that my mother and I have the same name. She stated this is a current debt and its with XXXX XXXX not XXXX XXXX ( my maiden name ). She started to ask me to confirm my social security and that I did not have to. I said, you should have this information. You sent me this letter. I asked her can you please tell me the debt so I confirm this is my debt or not. She said no ... But that she will forward the information to there client that I have not passed. And that they can continue with collection with this debt. That I will here from them. 
I feel as a consumer I have no where to go ... and no one to contact. I receive no collection notices, no bills, and yet this letter comes to my home, stressing my out, and now I have no idea what or who I owe money to. And this Bass & Associates will not tell either. How am I to solve this issue if no one will tell about it. Or contact me in a formal way.. these people are sending a letter of stating I am dead. How will this affect my credit, my future status, I am upset and stressed over this. 
Please Can you help me
We filed a CFPB complaint against HFC for valuation fraud and they responded by telling me that i didnt send the complaint to the right lender. This is just another attempt by HFC to defraud their clients. I want this STOPPED. It is obvious that i sent both CFPB complaints to the same lender -- SEE ATTACHED COMPLAINTS FILED XX/XX/XXXX AND XX/XX/XXXX WITH LENDER INFO CIRCLED IN RED. They responded to the 1st complaint by stating that they do not have to follow CFPB guidelines. They responded to the 2nd complaint by stating i didnt send the complaint to the  right company. Both of these are examples of misdirection and fraud. It is obvious HFC has no desire to adhere to any kind of moral guidelines, much less following the laws set forth to protect the consumer. I have attached both of the previous CFPB complaints here. It is obvious they were both sent to the same company - HFC. Why is HFC allowed to continue this FRAUD??
Used a US bank ATM several years ago, system allegedly detected that I made XXXX cash deposit transaction, only made XXXX deposit. Next day fraud alert on the us bank account, stated that I owed them funds. Opened up an investigation, ATM was no longer available. Investigation was closed out. US bank system sent a letter two days later stating I was in XXXX. Went to US bank they advised me of the negative balance ( that very same day ) told me that no check system error came up on there system. I have the letter from a bank representative that states I do not owe any balance or funds to us bank. XXXX still shows that I owe financial institution us bank. I have been unable to open up accounts and other financial services because of this issue.
When reviewing my credit report from all 3 major bureaus last year in XX/XX/XXXXI noticed 3 collection accounts for medical bills that I had no knowledge of. I asked all 3 bureaus to remove them, The only bureau XXXX after investigating was kind enough to remove the item. 

I am in the process of applying for a mortgage and this is a problem in being approved by a lender. 

The collection Agency information is listed below. 
XXXX XXXX XXXX XXXX They show 2 addresses On the letter head is XXXX XXXX XXXX XXXX, Ohio XXXX The envelope XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX I am enclosing documents showing how I have attempted since XX/XX/XXXX to obtain any information on this alleged debt and all I get is a piece of paper with 3 amounts and no documentation. 

XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX  XX/XX/XXXX - Letter to XXXX regarding identity fraud XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter from XXXX to me with no detailed information As you can see I have asked for information regarding these debts which are not mine numerous times.They should be removed from my credit reports. 

Thank you
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX, XXXX XXXX and XXXX   XXXX
After reviewing an ad on one of those weekly newspaper circulation in XX/XX/XXXX about permanent hair removal, I decided to visit the company XXXX XXXX to participate in a trial consultation. The advertisement said permanent but forgot to mention that this applies to XXXX XXXX ( ONLY ) which is what I found out during the ONE and ONLY Visit ( consultation ). 
After smelling like a burnt rat for a couple of hours and discomfort for a couple days. 
I was told by the technician that it would get better after a couple visits. 
After considerable reflection on the Pros and Cons of getting the hair removal, the smell of burnt hair and the pain associated with the treatment, I decided to cancel the contract. 

I was told it would be at NO COST if cancelation was completed within 30 days. 

I personally when back to the XXXX XXXX XXXX and cancelled the treatment they check the system and said it's completed and I will receive a letter in the mail indicating my withdrawal ( cancelation ). 

What came in the mail after the 30 days was a bill for the full amount {$2500.00} I called the number on the bill in an attempt to cancel and I was told that it was too late even though the services and/or treatment was never used, the so called plan was expired in XX/XX/XXXX and by then XXXX  /XXXX XXXX had accrued interest for a total of {$370.00} bringing the bill to a Grand Total of {$2700.00} Since then XXXX /XXXX XXXX has changed employees and even though there system still shows that NO Billable Services used or funds debited against this account from inception, they sold the debt to another company by the name of XXXX XXXX who continues to call every single day since, in an attempt to collect. 

I have tried disputing this charge several times but the phone calls continues. 

My credit is now ruined as a result and it's now difficult to retain a decent interest rate of anything I procure. 
This is unfair and I believe someone should really take a serious look at XXXX XXXX and there reporting practices since they are at an advantage on the rules and regulations with regards to Credit & Fico Scores versus an individual. 

Who gave XXXX and/or these conglomerates the right to report without the facts being correctly censored. 

This is now affecting my life and the livelihood of my family. 

I refuse to pay because I have NOT used these services yet I am the one being punished by high interest rates and a derogatory credit. 

My question to XXXX XXXX  is where is the {$2500.00} because the cash was never given to me, nor was it used by me as intended? 

XXXX XXXX  principal responsibility should be to return the funds back to XXXX XXXX  as unapplied cash. Why isnt XXXX XXXX not going after XXXX Image for there money. 

The default and derogatory credit should have been placed on Ideal Image and/or there account NOT on me, because I never used the services, as I withdrew from the treatment prior to the 30 day window. 

Thank you very much for providing a forum for complaints, not sure what you can do but I am thankful for the support.
I received the attached threatening email from XXXX Manager XXXX XXXXXXXXXXXX XXXX but in the content it listed them as ACS Inc. No phone number, no name of person, no address, nothing specific in their details about this debt except to threaten that if I do n't respond to the email within 48 hours I will be arrested or put in jail for fraud and they sited Case No : XXXX. I enrolled in a settlement program a long time and all my creditors were given to that law group and notified about my situation and advised to contact the settlement office to discuss payment arrangements. I do n't know who ACS or XXXX is but I 'm sure that whoever the creditor is, they were notified in writing and have the option to set up a reasonable settlement on this account. At this time I am speaking with an attorney regarding Chapter XXXX for all of my debts. This situation was brought on due to a serious medical condition.
Based on the finding out of the equifax data breach, I decided to protect myself by thoroughly investigating my own credit report and doing research. I own a XXXX XXXX, XXXX, and XXXX XXXX card and recently applied for another one and was approved. Upon seeing things affecting my scores I discovered XXXX hard inquiries, with many of them the Same one twice and all within a week of each other. I have purchased XXXX XXXX to protect myself and I am going to be placing a fraud alert as well. I am working on my credit to be able to apply for a house loan next year and need these unauthorized inquiries off. I have contacted equifax X/X/2017 please help me remove these inquiries from all CB please
IDentity theft occured using my personal Information, XXXX and XXXX  have both removed the fraudulent accounts but Equifax refuses. 

I have contacted my police dept and filed an identity theft report as requested from Equifax.
I lost my job and after paying on a home for 11plus years, reached out to Wells Fargo home mortgage in XXXX to ask about refinance options, or some way to avoid losing my home. After being told I didn't qualify for a refinance with Wells Fargo ... and endless calls asking about the HARP or streamlined finance or using equity in my home, etc. I was referred, by a Wells Fargo employee via phone, to a company to assist with the HARP process. I was instructed to fill out paperwork and then told to make a reduced payment, by money order for 4 to 5 months, while they processed everything. I was assured that the Florida company would be my voice to Wells Fargo, and checked back with company in status every 10 to 14 business days. In XXXX of XXXX, while leaving for my daughter 's theater performance. A gentleman came to my door and said he wanted to see if I had rights to any of the equity in my home, as it was sold at auction the previous Tuesday. There was no notice received, I was in shock. I was then contacted by a small home flipping business, who purchased my home and given 12 days to evacuate the home I lived in for 12 years. In the scramble to find housing, and pack up myself and XXXX children, I lost some of the paperwork which had the Florida company name. 
I know that the home had some renovation and then was sold by the auction purchaser for over 2x the amount I originally financed. Wells Fargo has been exposed for so much, but I've only heard of one other story making the news that is the same as mine. They took my stability, they took FHA incentives and I wouldn't be surprised if the auction purchaser worked for Wells Fargo too.
MY NAME IS : XXXX XXXX XXXX XXXX ) XXXXI BORROWED {$7000.00} FROM SPRINGLEAF FOR XXXX MONTHSAT {$3000.00} INTEREST FOR SAME PERIOD. I HAVE PAID TODATE {$8000.00}. I BELIEVE THAT I HAVE PAID THIS LOAN INFULL PLUS {$1000.00} IN INTEREST. 
NOW THEY ARE SAYING THAT I BORROED {$10000.00} AND I STILL OWE THEM {$2000.00}. THEY WOULD NOT TELL MEHOW MUCH OF MY {$280.00} MONTHLY PAY WAS APLY TOTHE INTEREST AND HOW MUCH WAS APPLIED TO THEPRINCIPAL. I AM ASKING YOUR HELP IN THIS MATTER. 
THANK YOU.
I have submitted requests for these collections to come off my accounts because they are not mine and additionally, according to their secretary of state website, are not licensed and bonded to collect these debts XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00}
Me and my husband both have no credit score from Equifax that is preventing me from getting housing for my family. I have just moved to XXXX from XXXX because I was accepted to a university. Also I have a section XXXX voucher to house me and my family of XXXX children and me and my husband. We only have 2 months to find a place to live or we lose the voucher. We applied to a home in a good neighborhood with a good elementary school for my son starting XXXX. They use a credit company called XXXX and that company checks credit for rental properties, sadly I was denied. Concerned I looked up my credit score on XXXX and found out that XXXX has a score for me but Equifax did not. To my surprise XXXX only uses Equifax. So I called Equifax to try and fix this situation. Meanwhile I was living in a cheap and scary hotel paying alot of money waiting and waiting, calling and calling Equifax I have sent my documents including my ID, Social Security Card and marriage licence to prove my identity TWICE! After you send these documents in they need 48 hours so this took many weeks and days. I have done all they have asked of me including calling my bank to have them send info which my bank does not send to this company. The rental company said they would still consider renting to me as long as I was able to fix this situation. I have spent so much money on hotels, faxes, and so much time which is precious right now with starting a new school and having a new born in a motel. They have my documents and still have no reports on me nothing at all. They expect me to call people I had loans with when I was a teenager and take more time to get this together. I am fed up and feel so frustrated with this situation. Another part of my frustration is that when you have a section XXXX voucher they take 15 days to approve a house and inspect it. So with all the time that has passes I am paying alot of money for a motel. I have had to apply for a house in a not so great neighborhood and a low rated elementary school. This is affecting the education of my children and my own financial status with all my money going to this hotel and faxes and time invested in trying to get my credit score from Equifax. They have ran me around and given me very small bits of information without any sight of the big picture. This experience has been troubling and very very stressful when this should be an exciting part of my life. I have worked hard to maintain a XXXX in school to get into a better college to make something for my family and this road bump was way bigger than it needed to be. Also we looked up my husbands credit score on credit Karma and find out they also have no score for him. We are Americans we have had many different accounts with big banks and car loans. There is no way that they can just have no information on us if they are XXXX of the biggest credit companies out there. I am in shock and also am wondering hat these people are being paid for when I have to do all of the foot work? This is just a glimpse of what is happening with Equifax and I am filing this complaint against them.
disputed incorrect information and accounts with experian, after thitry day was told accounts and bankruptcies showing on my report we verified as being mine when asked for proof was told they do not have to give me prooof informed rep i have been a victim of identity theft was told to send in affidavit and police report which i did send in was told under reinvestigation after thirt days went by again was told again accounts have been verfied as being mine again asked for proof some thing with mysignature on it or copy of drivers license said again they dont have to supply me with proof.
XXXX and XXXX a is reporting XXXX XXXX and NBC Management as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.
Please see attached thank you letter I wrote to bill me later for finally correcting the numerous errors on my account and that I truly appreciated it. XXXX-XXXX % of every issue was corrected in my favor. Then I show them my statement just printed for XX/XX/XXXX. Once again they made another error. Circled on page XXXX of statement it says the {$190.00} charge in dispute I do not have to pay yet??? This was a XXXX ticket which delta finally processed a refund for {$190.00} after I called them. Pay Pal received the XXXX refund and notified Bill me later. Attached please find deltas emailed receipt showing this ticket as " XXXX '' status. Which means it was refunded. So why they have not updated this I have no idea. In addition I have been with Bill me later for years, always pay my bill 1 day after bill prints never paid interest, never late, XXXX % payment record. So I must say I received no communication at all except again on page XXXX of this statement in middle it says " Youre account is closed ''???? I have asked them why? No response. It appears even though all disputes were their error and found correctly in my favor they have retaliated for asking for your assistance by not telling me but closing my stellar account. Unbelieveable. What route do I need to take to get this account opened?
have been called for XXXX different numbers regarding a pay day loan from XXXX XXXX XXXX stating that i will be served court paper work for an amount owed of {$150.00} and it must be paid or legal action will occur.
On XX/XX/2018 my account was compromised by theft by a debit card at a XXXX XXXX XXXX XXXX in XXXX TX. There was merchandise purchased in the amount of {$540.00}. I do not have a XXXX 's jewelry account and I did not purchase merchandise from XXXX XXXX XXXX. XXXX TX is over 300 miles to my home in XXXX TX. I am desperate for your assistance. The monies that was stolen from my account was for my electricity bill and it will be shut off if these funds are not returned to me. I have filed a police report, I have contacted Netspen & XXXX XXXX ( same company ) and I have contacted XXXX XXXX XXXXXXXX   and no one will assist me. I have given them all the information I possibly can and no one can give me answers to who took the funds from my account. XXXX XXXX XXXX tells me it's Netspend job to start and investigation and Netspend says XXXXXXXX XXXX XXXX has tell me what information they need. Please help me I am a single mom and I am in dire need of the CFPB.
Seterus is refusing to send a payoff for my mortgage. I was discharged from chapter XXXX bankruptcy 7 months ago. I am now trying to refinance with another company and have put in 3 requests for payoff online through my portal. When the payoff never came I called and was told that they never received a request and that they would get it to me within 15 days. I have heard that before from then and never received the payoff. Also, per the RESPA rules they have to have it to me within 7 days. On top of that, they are telling me that my loan is in a 120 day review now that I have been discharged from the bankruptcy for 7 months. I am not sure why they are doing this but all the laws relating to RESPA that I can find point to pretty much everything they are doing being illegal.