WillisBack/dataset-financial-user-claim huggingface dataset:
RENT RECOVER ACCOUNT NUMBERs :  XXXX   XXXX / XXXX / XXXX  Address :  XXXX   XXXX   XXXX   XXXX  #  XXXX ,  XXXX , GA  XXXX  Phone : (  XXXX  )  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 RENT RECOVER 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 N otice 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 a n 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 RENT RECOVER  acc #    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 ,  XXXX   SOC  SEC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX
My credit account with Capital One has been restricted for some time, meaning I do n't have any available credit with them because I was late with a couple of payments at one point. Since then I have paid on time every month. I got my balance to {$170.00} as of XX/XX/XXXX. I received a bill statement yesterday showing they added a XXXX member fee. I contacted Capital One asked if they can waive the XXXX member fee as a courtesy, since I been paying them and have a restricted account with them. Again I 'm not able to use their credit card. I spoke with a customer service rep then a supervisor with the name XXXX. Supervisor XXXX said nothing she can do about it, I explained to XXXX that I called them last month explaining to them that I 'm currently unemployed and receiving unemployment from the state of California. Advice XXXX that I been paying them every month but that XXXX member fee is too much for me since I 'm on unemployment and have a restricted account. I explained to XXXX that if I had a active account with them I would understand the XXXX member fee. XXXX responded by stating that there is nothing she can do or anybody else. I asked for XXXX last name, she refused said they do n't give their last name. I asked if that is company policy, XXXX said yes. I advice XXXX that will be filing complaint, she said okay and ended call. Conversation took place on XX/XX/XXXX, at XXXX
Purchased  XXXX   XXXX  on  XXXX   XXXX  for {$4800.00}. After a couple weeks they froze my account and say that Im unable to purchase after doing business with them for a couple years.  <P/> In addition I made on sell order on the   XXXX   XXXX   when the price of  XXXX  fell from  XXXX  down to  XXXX . During that time I was unable to gain access to the site to complete the transaction until the price had recouped. Many users are experiencing similar issues on the   XXXX   support website.  <P/> Here are just a few of the other companies :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
My name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX, I have received a notice of debt collection on a Court Filing Form with no Case Number from the Court from XXXX XXXX, Attorney at Law # XXXX ( XXXX XXXX XXXX XXXX ND XXXX XXXX ) on behalf of XXXX in XXXX ND. I responded to the first notice indicating that after review of the documents attached to the notice, that I was responsible for XXXX of the XXXX elements of debt. I requested that they send me proof that the other medical bills where in fact valid. Instead of responding to my request they continue to send me court documents filled out as if they have filed them with court, but there is no court number and no record at the court that they have filed. The latest document they sent shows a court ruling for the collection agency to receive payment, but yet again there is no court docket number. These tactic are deceptive and I need them to stop and have them respond lawfully,
I had XXXX for my previous loan servicer and was transferred to UNISA. It has been nothing but trouble with UNISA. My first month, they had the due date wrong. Ok, made my first payment with them with the corrected due date. I had paid XXXX XXXX onXX/XX/XXXX these are supposed to be quarterly payments, mind you. I get a bill from UNISA for the same amount with the due date ofXX/XX/XXXX I called them, they said it was a mistake and it 's actuallyXX/XX/XXXX. Great, problem solved, so they processed my check on XX/XX/XXXX. I get a bill today ( XX/XX/XXXX ) with the amount of XXXX due on XX/XX/XXXX 
My concern is 1. This is n't quarterly payments. 2. This is my second call with them. 3. How am I supposed to gather this money within two and half weeks so I do n't have an issue with my credit score? There is not much notice to me, never-mind the billing date being wrong.
Fed Loan Servicing incorrectly processed my loans. They forced me to take a forbearance for a month. A gentleman from their complaints department reached out to me to get this addressed. He was nice and took all of my complaints XX/XX/XXXX. He stated he would call me back. As of XX/XX/XXXX, no one returned my calls. I called Fed Loan Servicing multiple times. They told me to " leave a voicemail on his machine '' multiple times. It seems no one was able to contact him and just told me it was " unfortunate '' I have to take these forbearance. Unfortunately, the Fed Loan Servicing representatives do not realize that their delays cost me {$3500.00} per month because of the payments made under income driven repayment.
SunTrust received payoff on XX/XX/XXXX via wire from our closing attorney ; however the payoff was not posted until three days later, on XX/XX/XXXX, with XX/XX/XXXX as the effective date of payoff. The payoff statement from SunTrust clearly states wires received by XXXX XXXX are posted the same day. My wire confirmation shows that the wire was sent at XXXX XXXX allowing ample time for the funds to be received by XXXX XXXX.  Payoff did not post the same day and I was charged three extra days of interest by the time it did post. I contacted SunTrust by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after checking online daily, and via their secure email site following that, and am still waiting for them to 'research ' the request and refund the interest for those three days. I was first told the wire room was understaffed, which is the reason given for not posting the same day, but that the payoff would post as of the correct XX/XX/XXXX effective date. Next I was told that because the loan had two parts ( former restructure ) it took two days to post the payoff but that it would be effective dated to the XX/XX/XXXX for both parts of the loan. Finally when I saw online that the payoff had posted and that it was not backdated to the date wire funds were received, I sent an email to SunTrust via online secure mail site. That was been two weeks ago with an email 2 weeks later saying they are still researching my request.
My bank, TD Bank, keeps holding my paychecks until the end of the next business day and charging me {$35.00} for any debit to my account that is n't covered because they are holding my check. For example, this past week, I deposited my paycheck of {$2300.00} on Saturday, and it cleared and was credited on Monday, making my balance {$2700.00}. My rent check for {$1000.00} also hit the bank and cleared on Monday, as did a loan payment of {$300.00} to my mother. However, the bank charged me {$70.00} - XXXX overdraft charges of {$35.00} each - saying the rent and loan payments hit the bank before the paycheck was credited. I believe this is illegal, or at the very least, dishonest and predatory. I would like them to credit me with the {$70.00} - and with the {$35.00} they charged me last pay period for the same nonsense - and stop doing this.
I have submitted a number of requests to Experian to correct inaccurate information on my credit report and provided them with a copy of the credit report retrieved from their website as well as identification. The initial letter was ignored without response and the second request claimed to not be able to identify me and was addressed to someone else.
Credit Plus continues to do hard inquiries on my Credit Reports without my authorization. I have a true identity alert on all XXXX credit reports and any credit checks are required to be authenticated per the FCRA. To date Credit plus has done several hard inquiries without calling the number on my credit reports to ensure these are legitimate credit inquiries. Credit Plus did a hard inquiry on XXXX XXXX, 2015 and then again on XXXX XXXX XXXX, 2015 without calling me as required by FCRA law and without my authorization. Please see hard inquiries below. 
XXXX Unauthorized Credit Hard Inquiries by Credit Plus1. CREDIT PLUS XX/XX/2015XXXX, a change to your XXXX credit report has been detected which may LOWER your credit score : a new inquiry listing CREDIT PLUS was placed on your credit report on XXXX/XXXX/2015. 

2. CREDIT PLUS XX/XX/2015XXXX, a change to your XXXX credit report has been detected which may LOWER your credit score : a new inquiry listing CREDIT PLUS was placed on your credit report on XXXX/XXXX/2015. 

FCRA Law605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ii ) Verification. If a consumer requesting the alert has specified a telephonenumber to be used for identity verification purposes, before authorizingany new credit plan or extension described in clause ( i ) in the name ofsuch consumer, a user of such consumer report shall contact the consumerusing that telephone number or take reasonable steps to verify the consumer 's identity and confirm that the application for a new credit plan is not the result of identity theft
I paid off an auto loan with XXXX a couple years ago. XXXX XXXX XXXX has 2 late payments on my credit for that car when I was never late. I set up the payments to come out of my account. I had some trouble getting the payment to process and was assured by customer service reps the payment was made. The payments were always made. I contacted them via mail, over the phone and through the bureaus about the dispute but they refuse to remove this incorrect information.
XXXX XXXX XXXX called my place of employment multiple times for XXXX XXXX for several different retail accounts - XXXX XXXX and XXXX XXXX XXXX. I informed them that this account had been discharged in a bankruptcy in XXXX and should have never been assigned to them for collection. XXXX XXXX XXXX is now reporting a NEW collection account opened on XX/XX/XXXX for {$1200.00}. This account was not collectible effective XX/XX/XXXX after the account was discharged in bankruptcy.
Last year our mortgage was transferred to Bayview Loan Servicing, XXXX, Florida. We were in a Chapter XXXX Bankruptcy and were denied access to our online account, so I could not see the payments applied. We sent the payments by certified mail, return receipt requested, about the XX/XX/XXXX of the month. The payments were always received by the XX/XX/XXXX of the month, but not posted into the bank until the XX/XX/XXXX of the month. Once we received a notice saying that we were in arrears and that foreclosure would soon begin. At this time, our bankruptcy has been discharged, and I have access again the to online account, but they have not posted any payments since XX/XX/2017, although the XX/XX/XXXX and XX/XX/XXXX checks have cleared the bank. Calls and letters have not produced any effect. We would like for them to post payments in a timely fashion.
I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX/2017. This was a {$650.00} loan. The annual percentage rate of 558.4701 % which I did not know about which in total the finance charge would be {$1200.00} at the end I would pay in total {$1800.00} for {$650.00} loan. I tried to pay in full at the beginning but was unable to because they were giving me the run around.
In an attempt to collect from us, when we were in dire times, they called the home of my husband 's ex-wife and spoke to her husband about our delinquency and the fact they were trying to collect our late mortgage payments. This was Bank of America
I have disputed this account with XXXX  and the only response I get is verified. I ask XXXX XXXX/Accptance Rentals for VALIDATION since I live in XXXX  & this company seems to be in XXXX. 

My FCRA rights are being ignored and this is my next plan of action to get the XXXX & FTC involved until this is removed from my credit under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. I am being harassed at lease twice a week. I am seeking damages. I asked for the company to validate this debt on XX/XX/2017 according to FCRA 611 ( 15 U.S.C. 1681I ) but they just ignored the request and kept on emailing me.
The following are UNAUTHORIZED INQUIRIES I discovered on my various credit files. 
COMPANY : XXXX XXXX XXXX. DATE :XX/XX/XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX BUY DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX. DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX BANK XXXX DATE :XX/XX/XXXXCOMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX DATE XX/XX/XXXX COMPANY : XXXX XXXX  DATE : XXXX COMPANY : XXXX XXXX  XXXX DATE : XX/XX/XXXXandXX/XX/XXXX COMPANY : XXXX XXXX XXXX DATE : XX/XX/XXXXCOMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX DATE : XXXX
Company stated that they could not really help me close the account. I do not want to do business with capi tal One  anymore. I want the bank to close my sharebuilder account per my request.
Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. XXXX XXXX systems account # XXXX and XXXX XXXX, XXXX The items ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) address listed on my credit profile for XXXX XXXX, XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX the address for XXXX XXXX XXXX is D/B/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.The information listed on my credit reports from these companies are inaccurate because I dont own these accounts. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX
Date of first major deliquency was XX/XX/2010 although i have settled this account it has reached it 's maturity of 7 years and i respectfully request it be removed from my credit.
Hello, On XX/XX/2018, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from XXXX Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX XXXX received my letter certified mail on XX/XX/2018. They replied on XX/XX/2018 with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' XXXX, XXXX, and XXXX has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.
I open this home equity loan inXXXX is still owe {$25000.00} the loan amount was {$29000.00} and I been paying on loan for 8 years of more which I pay from $ XXXX {$200.00} each month .have not missed any payment
I have a Capital One XXXX card. I recently was surprised to learn that a program called the XXXX Account Updater is a part of my card agreement. This is a program that allows XXXX to give new account information to companies seeking payment for recurring payments that ended when the customer had to get a new card. In my case, I informed XXXX XXXX XXXX XXXX that I did not want to renew my subscription. They charged my account anyway on a card that had been discontinued, but they were given my new card information by XXXX. I have tried to opt out of this program, but Capital One does not provide an Opt-out form for the XXXX Account Updater. In checking the internet I see that many other banks that issue XXXX credit cards offer their customers an opt out form for the XXXX Account Updater. 
Capital One tells me to call XXXX directly. I have called them three times and XXXX tells me that the bank who issued the XXXX card ( in this case, Capital One ) must provide me with the opt out form. Capital One repeatedly has told me they do not provide this service. 
I do not want companies to have automatic access to my new account information with out my explicit consent. I know I XXXX have unknowingly agreed to this when I did not read the terms of service, but I understand that other XXXX customers are able to opt out of the XXXX Account Updater, if they have an issuing bank that helps them. Capital One is not helping me.
I disputed the Foreclosure reference on my credit report in XX/XX/XXXX. Experian came back with a verified status. This was a short sale and not a FS and their coding is keeping me from getting an FHA loan. I have disputed this for almost 3 years now and it does not get resolved. They list paid in settlement in the comments but the coding shows a FS on XX/XX/XXXX.
This complaint is directed toward Bank of America. 

I always pay my credit card in full each month with the Bank of America Travel Rewards Card. When I paid myXX/XX/XXXX bill, I was not sure that my payment of {$840.00} went through, since I did not receive an email confirmation. 

Therefore, I paid the {$840.00} ( again ), and later on, realized that I probably paid twice. The payment interface allowed me to submit the {$840.00} twice even though it was a very specific amount, and a reasonable person would probably stop me from paying the same amount again. 

I called my checking account bank, XXXX, to stop the charge. Then I called Bank of America to make sure that everything is okay on their end, I was told that all was fine. 

Three days later, I was charged {$25.00} for a bounced check fee. I called Bank of America to see if they can waive the charge, since 1 ) it was an obvious double payment and I was not warned, and 2 ) I was already told by a customer service rep everything was fine. After spending more than 20 minutes on the phone, I was told no by two separate customer service reps who suggested it was my fault.
Bank of America should make it easy for consumers to not double-pay their bill, and to at least warn us that there is a fee involved. This should be stated clearly on their bill pay page, and the fact that it is not there is a lie of omission.
Navient bought my federal loans from XXXX XXXX XX/XX/XXXX. Immediately i began having issues with them. My loan came out of a forbearence in XX/XX/XXXX and i filed the necessary forms to get an IBR ( income based repayment ) since i am unemployed. I mailed the IBR forms via usps with return receipt to indicate that they in fact received my forms. Two months later i received a notice that i needed to pay monthly on my loans. Nothing about getting an IBR. I called Navient right away and asked about my IBR. They stated they never received paperwork. I mailed it AGAIN. They stated they never received it. I talked to a supervisor and got a fax number and faxed the SAME paperwork via fax to the number the supervisor gave me. I followed it up with a phone call. They stated they never received it. I faxed the papers 6 more times and finally they received my forms. However, a week later, i call to check the status and they tell me the forms i used were too old. I told them they were the forms i printed out from Navient website so how can they be too old? The rep stated that now id need to cross out the date on the paperwork and date the forms within the last 6 months. So i fax it ALL AGAIN and they tell me they 've received it and my IBR will take 20 days to to process. The very next day i began receiving calls from a XXXX number which is Navient. They call my phone 6-8 times a day. I finally spoke to the rep and she tells me they want to help me with my student loans since they are out of deferment and my payments are now behind. I told the rep that i had just sent all forms and that i was told that my IBR was processing. The customer service rep says she has NO RECORD of any phone calls, any forms being received, nothing from me about the IBR. I asked the rep if they take notes and put the information in my account so that everyone at Navient is on the same page. She stated that they dont do that. So basically, ive wasted the last 6 months sending forms, calling, yelling, fighting with this company for nothing. They keep no record of anything and even if you speak to a supervisor, they still dont know whats going on with your account. 
They are not following the law, they are suppose to help borrowers who need help with repayments and offer them IBR/Forebearence where applicable. This is why Navient is being sued.
Previously disputed bankruptcy reporting on credit file several times. I sent a validation letter asking for the person that verified information through clerks office but received no response back. I also contacted XXXX XXXX whom a rep by the name XXXX XXXX at (XXXX) XXXX who explained that a bankruptcy was not showing on her end. I also received a letter from XXXX stating the timeframe required that the bankruptcy could not be verified accurately after a re investigation.
The interest has quadrupled my payment and put me soo far behind I am unable to repay. The debt was not explained thoroughly and the practice is predatory.