WillisBack/dataset-financial-user-claim huggingface dataset:
AMSHER COLLECTION SE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL 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 AMSHER COLLECTION SE 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 : AMSHER COLLECTION 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 XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Comenity Bank who is financing my XXXX XXXX Credit card has been charging me late fees from paying the late fee late. 
I have no more balance from the purchase that I made worth XXXX, my balance right now is XXXX. All just late fees. 

XXXX XXXX, XXXX is my due date for the credit card, I paid the credit card XXXX XXXX so I was charged a late fee of XXXX I emailed and got the fee reversed because I was a new customer. I had a balance of XXXX from that XXXX original purchase but because I had thought I had set up my account for auto pay I was late again and my payment went thru on XXXX XXXX, XXXX. 

So i was charged another late fee of XXXX again which now they were not able to reversed. So I paid for it on XXXX XXXX. That was my only balance because I never used my card after that. But I did not know that they have added a minimum charge of XXXX on XXXX/XXXX/XXXX. So the next month I did not even check the account cause I was sure I had XXXX balance, I was surprise to see my bill they charged me another XXXX late fee of the XXXX ( finance charge ) balance that I did not know about. Added another XXXX on XXXX/XXXX/XXXX another late fee XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX minimum charge XXXX, XXXX / XXXX late fee XXXX minimum charge XXXX/XXXX/XXXX, XXXX/XXXX/XXXX late fee XXXX, XXXX/XXXX/XXXX finance charge XXXX, XXXX/XXXX/XXXX late fee XXXX, XXXX/XXXX/XXXX finance charge XXXX. 

These are all just from the late fees, my purchases were all paid.
I had a private student loan that went into collections in XXXX. In XXXX I began paying the loan back. The loan was apparently bought out by Regional Adjustment Bureau, they called me in XXXX of XXXX at my work and harassed me. I paid them a large chunk of the loan to start a payment process and for about a year they were taking monthly payments via auto deduct. In XXXX they stopped taking the payments and began to call my cell phone, my parents home number and previous employers. They call multiple times a day and when I do talk to someone they are rude and refuse to send me any written documentation, claiming they already have, although I never received any. They have also left messages that someone will show up to my home or office to arrest me. They have given out personal loan information to my parents, even though I am over XXXX years old. They have now begun to call my current work place, even though I have asked them to stop calling me all together.
This instance is regarding an access inquiry made by XXXX, XXXX to my personal financial information on XXXX/XXXX/2016. I immediately contacted XXXX regarding the inquiry since I have not applied for any new credit and have no active accounts with them. I held a previous account with them which was completely dissolved several years ago and have no standing debt issues outstanding with them. Upon contacting XXXX, they informed me that they had no record of making the inquiry and that there is no new account that had been opened. They would have to send a letter requesting them to remove the inquiry. I contacted Experian and they stated that it could not be disputed and that XXXX would have to notify them to remove the inquiry. However, XXXX stated they have no record of making the inquiry and I would have to send a written letter to them with detailed info to have them remove the inquiry. However, from the looks of internet info, there are apparently a lot of individuals having unauthorized inquiries made to their confidential personal financial information by XXXX. Do you have any information regarding any ongoing investigations with XXXX regarding these types of unauthorized inquiries to personal financial information? Also, would you be willing to investigate this unauthorized inquiry made by XXXX to my personal financial records?
I am being fraudulently charged for a stolen water cooler by XXXX and Collection Bureau of America. The item in question was reported stolen when I learned it had not been collected by XXXX driver ( XX/XX/XXXX ) even thought I moved in XX/XX/XXXX. XXXX told me they would remove the charge ( XXXX was the representative 's name ) at the same time I reported the people who bought my home were illegally using our account. I provided proof that we had moved. I cancelled my account online, and left the cooler outside with our empty bottles the day we moved in XX/XX/XXXX. I disputed this with XXXX in XX/XX/XXXX and the response was simply that this account belongs to me. I should not be charged for an item that was stolen after we no longer owned or occupied the home and was left to be collected by XXXX with other items.
Portfolio Recovery Associates LLC., Had received a default judgment for {$1500.00} on an old XXXX credit card that was sold to XXXX XXXX XXXX. XXXX XXXX XXXX reported the debt as in good standings with a {$0.00} dollar balance on my reports. Portfolio Recovery Associates refuses to acknowledge or validate that this debt was paid. They have a detrimental default judgment listed on my reports as well as a balanced owed listing.
My First letter was noterized and sent via certified mail on XX/XX/XXXX and Another letter sent notarized via certified mail XX/XX/XXXX and Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.
I have a Citi Bank credit card that has been turned to an attorney for collections and a judgement has been issued against me and I am trying to short sale my house and the attorney handeling this account is not willing to issue a partial release or negotiate a settlement so my home can be sold opposed to being foreclosed upon. I was never served by the attorney or Citi Bank therefore I feel the judgement is invalid. I am asking for assistance in getting Citi to resolve this issue.
the United Financial Services sent me a mail says I owe a debt of XXXX to XXXX with another guy name XXXX XXXX. I never rent apartment recently and never been to California because I have been living on a XXXX for a while since I joined XXXX and stationed at XXXX XXXX. I will report to police station for personal identity stolen.
I submitted a Dispute Report, with Equifax,2 weeks ago, and from my understanding, it can take up, to 30 days, for the dispute to be completed. Because it was some Inquiries, that was placed on my credit report, that was done unauthorized by 2 dealerships. I mailed the letters off to Equifax on a XX/XX/2018, and the very next week, i received a letter from Equifax, stating that Dispute has been completed, and i was like, it has only been a week.I contacted some of the Creditors and I talked to some of them, also upon my Knowledge, Equifax, never reach out to none of them, in regards to this matter. I felt, like this is inappropriate behavior, in regards to this matter. I have been having ongoing problems, with Equifax and my credit report. 

Also, I have contacted Equifax, numerous time, to have my Phone Number added, to my credit report, and as of today, it has not occurred, when i try to do things with my credit card company, i can not be verified, because my telephone number is not acculturate with Equifax, and i have called them, on numerous time, in pertain, to this matter.
Acct XXXX says status closed. I had a dispute for the charges and they never resolve a dispute I had with XXXX XXXX I contacted them and resent the signed ACH dispute 10 times, they closed the account without reason, didnt give me the refund for the unauthorized charge of XXXX XXXX and did not credit the overdrafts fees. I should have received a refund for about {$100.00}. I want them to reverse this, close the account with good terms and issue a refund to me for the unauthorized charge of XXXX XXXX and the overdrafts. I already did a dispute with BBB, your rep XXXX from the presidents office phone number XXXX didnt do anything.The next step if they dont resolve this now, will be FTC and if not seek legal action for their incompetent actions that are causing hurt to my credit and banking history by reporting inaccurate information for not resolving unauthorized charges on time.
The debt was taken care of as a result of a consumer credit counseling debt consolidation and the original creditor XXXX XXXX XXXX XXXX was paid over {$4000.00} in which I paid more than the monthly agreed amount. The contract ended in XXXX and the account was closed. XXXX is now billing me for {$2600.00} of which I do not owe. 

When I have asked for verification they have provided me with XXXX statements showing a balance statement of revolving credit. XXXX from XXXX and XXXX from XXXX. Neither of which shows any purchases I have disputed this several times with no resolution. 

I do not owe them any money. I have paid my debt. This has been on my credit report since XXXX and I can not get rid of it. I have been trying to clean up my credit the right way and to have these types of companies who can do this is robbery.
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX called and informed us that they would Repossess the XXXX XXXX XXXX which was totaled onXX/XX/XXXX by USAA per their Total Loss Letter.

Informed that they would report the matter to the Credit Agencies which would be a negative statement on the credit report for 7 years. They informed me I would owe the remaining balance after they auction the Vehicle.

I consider think the way USAA Insurance handled this matter from the start on XX/XX/XXXX until XX/XX/XXXX has not been in the best interest of the Customer. USAA Insurance is telling me they had no responsibility to follow their Total Loss Letter because the Repair Shop XXXX XXXX XXXX XXXX would not release the Totaled XXXX XXXX XXXX even after the Customer informed the Shop that the Vehicle was totaled on XX/XX/XXXX in Person at the Shop. I never signed the Repair Order until XX/XX/XXXX and the USAA Insurance Adjuster sent a check to the Shop for $ XXXX on XX/XX/XXXX which I did not approve or agree with. I asked for the Vehicle to be moved and inspected by another Repair Shop but USAA Insurance did not grant my request. Instead USAA Insurance and the Repair Shop kept fixing the Vehicle and after the Customer received two Total Loss Letters from USAA dated XX/XX/XXXXand XX/XX/XXXX.

I was informed by the Bank Officer XXXX XXXX  on XX/XX/XXXX that the Vehicle loan would be payoff due to the total loss which did not happen. USAA asked me to send in and sign the POA for the Title. The Title was signed and sent to USAA so why was the Loan not paid off and now sending us letters for collection and Repro Man knocking on our Door early Saturday morning XX/XX/XXXX looking for the XXXX XXXX XXXX which was still at the Repair Shop.

I've communicated with both XXXX XXXX and XXXX XXXX XXXX XXXX from the start of this matter and requested they coordinate with each other several times to solve this matter and fulfill their responsibility regarding the Total Loss Letters.

XXXX XXXX  Paid XXXX   on a Vehicle estimated value {$23000.00} way over the 80 % threshold required by Florida State Law. The Vehicle is 100 % totaled in my view and is backed up by the Inspection Reports and 4 additional supplements!

USAA denied me the Car Replacement feature which provides for an additional payment when there's a Total Loss. Also denied me the GAP coverage I purchased for the Loan on the Vehicle.
We use our Wells Fargo Credit Card monthly and pay off monthly. In XXXX I paid half of the full amount that would be due XXXX XXXX and intended to pay the rest before the XXXX XXXX due date so as not to incur interest charges. My husband did n't know I only paid half and continued using the card for his business purchases. On XXXX his business purchase put us over the credit limit by {$72.00} which they told me is a courtesy. I understand, that 's great so as not to cause embarrassment, etc. But the company allowed NINE more days and XXXX more transactions to occur, putting the account at {$1200.00} over the limit!!! We receive NO PHONE CALL, NO LETTER, NO NOTICE, NO EMAIL, NOTHING and they closed the acct on XXXX/XXXX/16. On XXXX/XXXX/16 I paid the other half of the remaining balance for the 30 day charging window, bringing our balance to zero for that payment period. The remaining balance will be due XXXX/XXXX/16 and is under the credit limit. Under the terms and agreements for this card, no where does it state that they will close the account if it goes over the limit. Wells Fargo DID NOT notify us as they stated they did in a letter they mailed out on XXXX/XXXX/16, the same day they closed our account. We received the letter on XXXX/XXXX/16. How can a credit card company allow transactions to occur when the card goes over the limit!? Every card we have ever had, does not allow you to go over repeatedly once a transaction puts you over the limit. It declines further transactions. Wells Fargo Bank NA does not do business well, and they do not return phone calls. I have left XXXX messages on XXXX of the main managers voicemail who would handle this. No one calls me back. I will never EVER do business with Wells Fargo again. How ironic that we have never had any problems like this until after our Wells Fargo Home Mortgage loan was paid in full and all we had left with their company was this credit card. They are deceitful and do not communicate well with their account holders. XXXX XXXX XXXX BANK IS THE BEST.
I was called at my job when I verbally told them not to call. I have no idea how they got my number at work I explained to them numerous times that I work late I sometimes get off after XXXX XXXX  and I dont have access to a phone at all times. When called about them calling my place of employment they act they knew not to call already.
XXXX XXXX Friday, XXXX XXXX XXXX XXXX XXXX Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 

Went on my phone and tried to login at XXXX did work went to rest the password and once I entered the password it showed too many tries and try again in an hour.Tried to login at XXXX did not work-too many tries try again in an hour.
I was contacted back in XXXX and threatened with jail and liquidate all of my assets if I did not pay for an account opened back in XXXX. The attorney XXXX XXXX has been harassing me since XXXX. When I was contacted again in XXXX I told them I already paid it off. They preceded to call my job and spoke with HR several time, called me at work harassing me so I agreed to pay so they would stop calling at work, sending a sheriff to my home to serve me. I have made over XXXX in payments and now they are sending another court document that I now owe the same amount again and additional fees totaling {$5100.00}. XXXX XXXX, XXXX. has run my credit/social security again on XXXX/XXXX/XXXX without my consent ; to retrieve my address and sue me for the same charges I have paid for twice already. This is fraud. She keeps selling the same fraudulent account ( Under XXXX, which is her husbands company ) to other attorneys to collect from me and then selling it to another attorney and tack on more fees. This is now the third or fourth attorney. When I ask for a certified letter with documents on what the account was, the charges breakdown. They tell me they ca n't but will can send me an email. Once I told them I was going to file a complaint and seek legal council, two weeks later I receive a judgment from the court. I need help, they have now contacted my employer and sent a sheriff to my office. I need some assistance as I will need to seek an attorney. The new attorney now reaching out to me is named XXXX XXXX, PA. Please help.
Please see previously filed CFPB complaint ( XXXX ) This is a complaint from XXXX XXXX ( represented by XXXX XXXX XXXX XXXX XXXX XXXX ) against TD Bank. We have made multiple attempts to communicate with TD Bank regarding this matter being reported on consumer 's credit report. TD Bank has not responded to any correspondence except the previously filed CFPB report, in which they claimed to have not received a Power of Attorney. When we called TD Bank, they claimed that they had received the original Power of Attorney we sent, but it had been too long and we would need to send another. They claimed they could only receive it via fax -- we sent it both via fax and mail. The fax number they had given us was broken, and they have yet to respond to the letter.
I have had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " 3rd party agency '' for reporting to both XXXX and Transunion. My XXXX report from the time I opened the account has not reported properly. The balance goes up and down for no reason. XXXX is reporting only 3  months of good payments and they are separated by 3 months of no status, which should also show good payments. The account has been in good standing for over 1 year and over 1 year of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my XXXX report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, X/XX/17, XXXX XXXX XXXX has confirmed that the balance shown my XXXX is again, incorrect according to their records. In addition, the " 3rd party agency '' that XXXX XXXX XXXX has hired, supposedly reports to Transunion. The account has never once shown up on my Transunion report. It has never reported to Transunion for over 1 year, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to XXXX as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.