WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX GA XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 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 notify XXXX 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 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 : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX # XXXX 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 # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
A fraudulent XXXX loan claiming us to be co-makers of a loan not underwritten by the US Dept of Education was discharged in a bankruptcy action filed in the United States Bankruptcy Court XXXX/XXXX/03, and discharged XXXX/XXXX/03, case No. XXXX. XXXX, now known as Navient Solutions Inc. continues to harass us for payment by referring the account to various collection agencies ( Approximately XXXX at this writing ). We would like this action to cease.
I have been with Rushcard for over 4 years. As of late, they have held my money for over a week and refuse to give me a time frame on when my money will be released. I am a full time college student and have daily expenses that I can not take care of now because they refuse to release my money.
I called to cancel my Citi Premier card because the annual fee was coming up. Their retention department convinced me to keep the account open, but convert it to the Citi Double cash card. They assured me there was no annual fee on the new card, and that I would not be charged the annual fee for the Premier card, since it would be closed. I agreed and received my new card shortly there after.
However, I noticed that the annual fee from it previously being a Premier card was posted and rolled over to my new Double cash card account - {$95.00}.
I called to inquire why that fee was on there and was told it will be 'systematically credited in a few months ' So now I have a {$95.00} fee that I have to pay, even though I have not used the new card. This fee was the exact reason I called to cancel, and was told I would not be charged it since the account is closed. Asking me to pay it, and getting it credited back later, is not a reasonable request.
I have submitted a cease and desist letter on XXXX/XXXX/15 and have asked the lender ( Cash Central ) to cease all debits of my checking account on XXXX/XXXX/15 with XXXX XXXX XXXX XXXX XXXX South Carolina XXXX. Cash Central did not honor my request to stop all debit transactions and have not honored my cease and desist. Lender has contacted me after acknowleding that they have received my cease and desist letter. They gotten it via email on XXXX/XXXX/15 and have contacted me by telephone on XXXX/XXXX/15 at XXXX and have also emailed me on XXXX/XXXX/15 at XXXX. They have also debited my checking account after I requested that they no longer debit my checking account for funds. Since then. I have contacted my bank and have filed an unauthorize transaction for my account. On today, the payment made to Cash Central was reversed by my bank. Again, Cash Central has not honored my Cease and Desist. Please advise on moving forward and steps to take civil and/or criminal action.
I am a veteran, I have recently moved to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
Hi i have sent to experian via certified mail XXXX/XXXX/XXXX and also the dispute process on line including this attachment from XXXX XXXX  XXXX. XXXX XXXX XXXX sent me a letter stating that they would move XXXX inquiries from my account ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian has only removed the one from XXXX XXXX XXXX .. it has been more than the 30 to 60 days specified from XXXX XXXX XXXX and i have also contacted XXXX XXXX XXXX and they told me they have submitted the info to experian and it is their fault if they did not remove it and I must go through them. So i repeated my mail and dispute online a second time to them just but i do not think they are going to do anything since they have not the first time. the inquiry is inaccurate and needs to be removed but they will not remove it even though i have attached the letter from XXXX XXXX XXXX and XXXX XXXX XXXX also contacted them. so please let me know if you can help. The phone number experian supplies only gives u info on how to submit online or by mail they do not speak to you directly so it is very difficult to get help.
On XX/XX/XXXX I received a notice from XXXX  regarding a credit alert. This alert shows that derogatory information from XXXX XXXX XXXX was reported as a new collection. 

The derogatory information shows as coming from Radius Global Solution as a collection in the amount of {$560.00}. 

On my credit report the derogatory information is showing as coming from XXXX XXXX XXXX Acct : XXXX. This account was a leased vehicle that was paid as agreed and the lease ended in XX/XX/XXXX and all balances were paid in full. 

on XX/XX/XXXX, I called both XXXX XXXX and Radius Global and  each company stated they do not have this account in collections. However, it is showing up on my credit report and I would like help to dispute it and have it removed.
I just paid off a Bank of America card that was charged off and instead of them showing that account paid, they created a new account on my credit report with a new account number. It should have never created another account which hurt my credit score. Instead, it should have just settled out my collection and showed it up as paid. They also still left a {$900.00} balance on the trade line, when it should be {$0.00}.
I had my mortgage with Wells Fargo bank. On XX/XX/XXXX I made an online transfer from my Wells Fargo checking account to my Wells Fargo mortgage. I made the full payment with a small additional amount toward principal. On XX/XX/XXXX they " reversed '' my payment but did not refund my money. Then on XXXX sold my mortgage to XXXX. I then got a bill from XXXX. Contacted them and told them I already made my XX/XX/XXXX payment but it was made to Wells Fargo. They told me to contact Wells Fargo, which I did- and they literally told me I was no longer their problem. I am now a month behind on my mortgage and owe a XXXX dollar late fee, even though I made the payment and my checking statement clearly shows my money going to Wells Fargo mortgage and never being returned after the payment was " reversed. '' It 's ridiculous to expect a person to just throw away {$850.00} and make an additional payment just because their bank decided to sell their loan. I was not apart of that decision process so I should not be made to suffer financially because of it.
I recently received a {$100.00} settlement check from Citibank. This check was a refund for the credit protection plan that I purchased. When I tried to use the credit protection plan, i was denied. This denial has cost me thousands of dollars and a lot of stress. It ultimately resulted in garnishment against my wages. I do not want to accept this settlement, which looks as if it was initiated by CFPB. I have contacted a lawyer and we need to know if this settlement is my only means of recourse -- i.e. can I bring about a lawsuit on my own. 
I have not and will not cash that small sum. The shame, embarrassment, strife and stress that has been caused in my life are worth more than a {$100.00} reimbursement of payments made. 

After being denied usage of the consumer protection plan that I paid for -- for years, I contacted a credit counseling agency. Every credit card I had accepted the arrangement -- except Citbank. As noted on the attached file, after contacting consumer credit counseling, I made payment arrangements with Citibank. Instead of those payments being applied to the account ... a partial deferred action was placed ... so I was paying {$300.00} plus a month and nothing was being taken off of the account. I fell behind and couldn't pay.
XXXX ,   XXXX   and Equifax the  XXXX  credit reporting agencies have failed to remove after  three  letters from myself to remove Unverified information from my consumer fi le. (   XXXX   XXXX   XXXX  ). This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Sectio n 616 and Section 617.
My personal information was included in Equifax 's data breach this year. I do not want to waive my right to sue, but the company offers no other choice.
XXXX UniversityXXXX XXXXI was a University student that began my education XX/XX/XXXX. After taking a break XX/XX/XXXX because of work, I restarted XX/XX/XXXX and was told I had to get a XXXX loan to get started again. NEVER was I told that I was going to have to make payments while in school. NEVER was I told that the interest rate was going to be 8 %. They say I did n't qualify for funding but yet I did before and I did afterwards so it was very strange to me that I had to get a higher interest rate loan from a 3rd party. XXXX was the only option that was given to me at the time. I have been paying on this loan for 3 years and have missed only XXXX payment which was the XXXX payment because I did n't know that I had to start paying on it while in school. It has been a struggle for me to pay for my federal loans and my private XXXX loan at the same time. My loan was then sold to UAS XX/XX/XXXX this year. I do n't feel the practices that XXXX performed were in my best interest financially but what choice did I have. My loan was for roughly XXXX. This loan was necessary for me to complete the program that I was involved in so doing it was necessary and they knew that. If I did n't take out the loan, than I had school loans for roughly XXXX with nothing to show for it.
I went through XXXX to receive my credit report. No problem at all with XXXX. TransUnion is another story! Once I was redirected to the TransUnion website and pulled up my credit report the website directed me to a password site ( within just a few seconds ). I was not aware of any password for TransUnion. I contacted customer service and was given a temporary to get into my account. Ahh all good, right? Not so fast! When I tried to get in to see my credit report and it gave me the message that you have accessed your XXXX free report and are not allowed more than XXXX but, I could purchase XXXX. Problem, I would n't let me access my free report. I contacted customer service XXXX more times trying to get to my report. Basically, I was told that once the page was moved away from I no longer had access to my report. Funny, their site removed me in less than 30 seconds from being in my report. When I ask if they could reset so I could get in since it was the same day. I was told to every question " No, you will have to buy XXXX ''. What a scam! Kick you out of your report so you have to pay to get XXXX. 
Note : The other agencies sent me emails with reference numbers so I could pull up my free report at anytime. 
I work in XXXX side of things, so I know what can and ca n't be done from a application standpoint. I work for a company XXXX and I know the business. When I asked to talk to someone XXXX to help get the flag reset - I was told they did n't have an XXXX department - WHAT!! Anything I requested was denied, saying you can buy a report ( get the picture? ). 
Bottom line I believe TransUnion is pulling a scam to make you have to buy a report. 
XXXX last note. The main reason I was pulling my report from TU in the first place was to get them to close a XXXX account that had been reported to the them as paid and closed in XX/XX/XXXX 2015 but, they failed to do so. I have proof XXXX they were sent the information but, never updated the account. This is affecting my credit score. When I ask the CS person if I could get help with closing this account - Ummm, yes but, you have to have your Report ID and that means I have to buy XXXX because I ca n't access my free XXXX to get that ID. Just another pointer towards a scam. I bet I heard you will have to purchase a report more that 10 times in the course of trying to get my free one.. PLEASE HELP! Why are these companies under more stringent regulations and control - they basically control our lives!
I am a XXXX and I called National Credit Systems XXXX Inc. with a client multiple times and have repeatedly been treated poorly, but my phone call today was by far the worst I have ever experienced. I made an offer on behalf of my client and was told that the balance was at XXXX in spite of the fact that she received a XXXX off letter that was not honored due to a time limit issue. In my client 's defense, she did not receive the letter on time before the time expired. The collection agency added a {$1400.00} collection agency fee and I simple asked the supervisor if she was aware that they were in violation of FDCPA for the collection agency fee. And she told me that I was being hostile and using strong arm negotiation tactics and said she had no desire to talk to me further and hung up on me. I called back and spoke to the original representative, XXXX XXXX, who proceeded to directly transfer me back to XXXX XXXX, the supervisor. I did not ask her to transfer me. At this point, my client just needed to pay the bill and be done with this account. I called back again and XXXX XXXX directly transferred me again without even speaking to me. I 've never felt so disrespected on a phone call in my life. I asked my client if she thought I was being hostile and she said no. Every time we have called this collection, they have been nothing but rude.
Received letter from company saying I owe {>= $1,000,000} I 've been trying to contact someone from the company but I have n't gotten a response back.
This tax lien on my credit report was filed in error and the amount on the lien is also incorrect. Please ask Transunion to delete this lien from my credit reports ASAP.
Ditech financial recently purchased my home loan. Since then, they regularly misapply my principal prepayments to future interest or future payments. This practice is in direct contravention of my loan terms which expressly state that " the NoteHolder will use my Prepayments to reduce the amount of Principal that I owe under this note. '' Ditech has not followed these loan terms, and instead continues to apply my prepayments to future interest and future payments, resulting in my loan balance not decreasing as fast it otherwise would, and more accrued interest than otherwise would occur. I have complained to Ditech three times about their misapplication of my payments. The first time I complained they fixed the problem without admitting any fault. They have completely ignored my second and third complaints. Thus, I am writing to you in the hopes that you will be able to get their attention. I am also considering legal action.
As an employee of a state agency for the last 8 years, I have been counting on the federal loan forgiveness program. I consolidated my loans with an income sensitive repayment plan with this in mind in XXXX ( and made my intentions clear to XXXX XXXX ). In XXXX I submitted the eligibility form so I would receive updates on when the loan would be paid off. I received notification that I did n't have the correct loan type to qualify. My public service from XXXX - XXXX would not count toward my 10 years of public service loan forgiveness. In XXXX after receiving the ineligibility notice, I requested consolidation to the correct loan type. I was recently separated from my husband at the time, though not legally, and was told that I would have to include my estranged husband 's student loans in my consolidation. So my consolidation was put on the backburner for the 2 years the divorce proceeded. Within a week of the divorce being final in XXXX XXXX, I went to apply for the consolidation to qualify for loan forgiveness. The instructions said if I was divorced and my income changed ( compared to the prior year 's tax returns ), that I could not apply online and I needed to call to complete the application. When I called, they said to just put my current income and make a comment that the divorce was the reason for my income difference. Very unofficial, which makes me now think that I could have done the consolidation without my estranged husband 's loans 2 years prior. Additionally, in XXXX, I requested a hardship forbearance while my new consolidation was being processed because I was preparing finances from the divorce, court ordered to be due by XXXX XXXX. Navient told me I no longer qualified for anything that would help postpone or reduce payments because I had been on income sensitive repayment for too long and had exhausted all forebearance/payment reduction options available to me ( from now and for the lifetime of my loan ). So in XXXX I just did n't make my loan payment because I needed the money for the divorce, and intended to pay a late fee. I received an email from Navient telling me to reply to the email and I could get forbearance. Why could I get it then, but not when I requested it a month before? Here we are 1 year and 1 month away from when I would get student loan forgiveness for working in the public sector for 10 years, and I just made my first qualifying payment in XXXX of XXXX. Because of the absolute erroneous information I 've received for the last 9 years from XXXX XXXX and Navient, I am now *still* 10 years away from loan forgiveness.
I have 12 loans with XXXX XXXX XXXX/ XXXX Lates are being reported for XXXX, XXXX, XXXX of 2015 for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XXXX, XXXX, and XXXX of 2015. Ive disputed this issue with the credit bureaus with no successful outcome.
I made an account on PayPal so that I could transfer money to my bank account from ebay sales. However, PayPal took {$6.00} out of my checking account for a shipping label without my permission. PayPal needs to put the money back into my account. After PayPal transfers the money back into my checking account, it can close my account.
Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXXand on XX/XX/XXXX are still being reported on my credit report. I contacted XXXX XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX BANK, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX BANKs ( XX/XX/XXXX and 1XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX   XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX Please remove these Inquires : XP/TU/EF B XX/XX/XXXX XXXX XXXX CARS AUTOMOTIVE EF B XX/XX/XXXX XXXX XXXX XXXX XP B XX/XX/XXXX RENTAL PROPERTY XXXX XXXX EF B XX/XX/XXXX XXXX XXXX XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX   ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Credit freezes should be free after a company that uses my information as a product for personal gains with no recourse ends up leaking all of my info that I have no way to secure or opt out of.