WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : 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 have made. 
XXXX ACC # XXXX XX/XX/XXXX 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 DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX placed me in collections for many years for service I never received. Servic was initially requested then canceled the following day. XXXX techs never came to my house to provide the service since I had cancelled it. I was charged. I called multiple times to inquire on the fee in a statement. I was assured it has been taken care of and to ignore any future statements. Months later after follow calls, I was sent to collections. 

Few months ago I decided to pay since it was hurting me for so long. I now reach out to the bureau after learning about my rights. Please advise. 

See Collection contact info. below : DEBT RECOVERY SOLUTIONS XXXX XXXX, NY XXXX ( XXXX ) XXXX
On XX/XX/2018, I filed a complaint regarding the unprofessional conduct at Midwest Service Bureau with the Consumer Financial Protection Bureau. While completing the complaint I inadvertently activated the auto-fill feature on the family computer which auto-populated the address and changed the name from XXXX XXXX to XXXX XXXX XXXX. 

In the initial complaint number XXXX that I filed a complaint against Midwest Service Bureau due to their unethical conduct. Specifically, the clear conflict of interests in accepting accounts that Midwest Service Bureau engages in and the coercive positions it places consumers in.

In my initial complaint, I made a reasonable request that Midwest Service Bureau close the account due to the conflict of interest. Their response was nothing more than defamatory and libelous statements provided to the consumer financial protection bureau without providing any response to the request to close the account or an answer to the dispute. 

Additionally, not only do the statements about my son not only have nothing to do with the heart of the complaint the statements are both unconscionable and highly irregular. As such, the statements provided to Midwest Service Bureaus response both make a mockery of complaint process with the consumer financial protection bureau as well as show a clear need for federal and state oversight. 

Finally, it would appear that I do not have the same rights as any other consumer when it comes to filing a complaint with the appropriate regulatory agency. I say this because I filed a complaint against Midwest Service Bureau and instead of addressing the actual allegations Midwest Service Bureau instead engaged in frivolous assaults on my son. Does this mean that I can not make a complaint regarding unethical behavior without having to fear retribution against me or my family?
CREDIT MANAGEMENT is attempting to collect a debt sold by XXXX that I do not owe. XXXX offers a no credit check program. The accounts they referred to me according to a XXXX rep was started with the no credit check program. There was no social date of birth or anything attached to these accounts. Also I never even lived at the places referred on the accounts. They are reporting a debt they told me was from previous years as opened XX/XX/2016 on my credit.
To Whom It May C oncern : Please be advised that pursuant to the Safe Homes Act, I had to end my lease early at  XXXX   XXXX  in  XXXX , IL because there was a credible imminent threat of   XXXX   XXXX     (   XXXX  ,  XXXX  and   XXXX   ) against me on the premises. My ex-boyfriend,  XXXX   XXXX , had been  XXXX ,   XXXX   and   XXXX   XXXX   to me while I was living with him at this property. This forced me to leave the home and to start living with my parents. Because he was still in the apartment, I could no longer return to it since it would have put me under a constant threat of  XXXX ,  XXXX , or   XXXX   harm by him, and it was no longer safe for me to live in my unit. I have a two-year order of protection against him and can provide you with that documentation, if necessary.  <P/> I vacated my apartment at   XXXX   XXXX   -   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , IL  XXXX  on    XX/XX/XXXX    under the protection of the Illinois Safe Homes Act. All of my belongings were removed from the unit that day, and my keys were turned in to the management office. As a victim of   XXXX   XXXX   by my roommate in this apartment, I am protected under this law and have the right to terminate my lease early with no further payment required because of a credible, imminent threat of further   XXXX   XXXX    <P/> On XX/XX/XXXX , I disputed the attempt by  XXXX   XXXX  to collect a debt for the rest of my rent through the debt collection company  XXXX   XXXX .  XXXX   XXXX  stopped contacting me due to my cease and desist request. However, the collection was placed on my   XXXX   and  XXXX  credit reports on  XX/XX/XXXX  .   This is why I am submitting a dispute with you today.  <P/> Thank you for your attention to this matter.  <P/> Sincerely,  XXXX   XXXX
I was contacted by a rep of Capital Accounts at XXXX on XXXX/XXXX/2015. I talked to the rep, told him I was disputing the debt and would be calling the original creditor. I called the XXXX to which the debt pertained and got a recording that they opened at XXXX. I then realized that I was contacted too early and called Capital Accounts back to complain. I informed the rep that he contacted me too early and that it was an FDCPA violation and he asked what law he broke. I told him " FDCPA, fair dept collections practices Act '' he then said there was no such law. I informed him there was and he was in violation and asked for a supervisor. I then spoke with a supervisor, XXXX XXXX, who did not apologize or acknowledge that my rights had been violated. He told me that I was in central time zone. I told him that I was in mountain that my address and phone number, though different states, are XXXX from mountain time zone. I asked for another person above him to speak with and he said they would call me back. When I did not receive a callback I contacted them again to write a written complaint and asked for their company information. I specifically asked for their company name, phone number, address, and website. The rep told me she could not give me that information and would transfer me to a supervisor during which time I was hung up on. I called back again to get the information and the rep refused to give me the information as the original creditor had already contacted them and there was no longer a debt to dispute. I told him I was not disputing the debt I wanted his companies contact info. After repeated requests he finally gave me the info. When I asked how to Spell Capital he laughed at me and said with a C. At this point I was at my whits end and I did inform him that capital is spelled capital or XXXX and I did curse at him due to my frustration. I have recorded all of these conversations is they would be of use during this investigation.
I call to American Express prepaid card on XXXX/XXXX/2016, Regarding a re occurring debit that was not authorized by me. I had contracted XXXX XXXX DBA XXXX the weeks prior tto me calling AMEX prepaid to obtain copies of authorization to debit the account on a monthly basis. I was not able to obtain any documentation from them regarding a contact or a withdrawal authorization. On XXXX XXXX, 2016 I received an email for The Blue Bird Team stating charges were justified based on their investigation and will provide me documentation. I have been in communication with them and they are stating they can not provide me with any documentation and the {$290.00} is not eligible for credit back into my account.
On XX/XX/2018 I received a vmail from XXXX XXXX ... she left all types of information on my voicemail the voicemail was stated as " XXXX XXXX my name is XXXX XXXX compliance officer contacting you in reference to your pending case being filed. By Law I have to make you aware that once case XXXX is filed it will become a matter of public record and there is an order of location issued for you. Since I was unable to reach you by telephone. I was instructed to contact the employer and speak with the supervisor as it looks like this is now a place of location to bill your negligence on your end on this case. Now you do have the legal right to contact the filing party that is responsible for handling your case with any questions. However XXXX please be advised once the case is discharged from their office all rights are to be forfeited the phone number listed on your paperwork to contact their office with any questions is XXXX XXXX XXXX you have been legally notified by telephone and i will have you located unless I am told otherwise. Good Luck. '' You cant contact people like this and what if that wasnt my voicemail.
I am having a issues with the rep XXXX to help dispute items that are over the statute of limitations and she is telling me to contact the debt holder but these items should be removed because they are over the 7 year limits and some have been transferred to another lender and reporting on my report twice. Equifax refuses to remove or help me dispute the items listed below. XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$2200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs, 6 mos ) Term 120 months XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 8 yrs, 5 mos ) Term months {$410.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$410.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term 6 months XXXX XXXX XXXX - {$210.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$210.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term months
I received an email from Rushcard stating that they will be performing maintenance on XXXX XXXX, 2015 and I will not be able to access my account. As of today I still can not access my account and my paycheck was sent to Rushcard via direct deposit but my account still shows {$0.00}. No one will answer the phone and sent a message stating that the update failed.
In continuation of complain XXXX, I submitted a complain to CFBP, and I am confused that TD has closed my complain without resolving it completely. TD failed to either deliver the funds to benificery nor do they refunded it to me. No confirmation were provided by TD about the availableity of funds. Unfortunately, the funds are still not available to the benificiery and TD has closed the complain without a complete resolution. 
I have been working very actively on it as always. What I could learn that TD has opened up a recal which limits the availability of funds to the befinciery and even at lapse of 2 weeks they could n't cancel those re calls.
I disputed a claim with Chase bank for a  XXXX  transaction through  XXXX   XXXX  that was a scam because I did n't get what I paid for so Chase sent me a credit of  XXXX  and then they took the money out of my account again because they could n't reach a comrpromise with  XXXX   XXXX  which is wrong because it 's my hard earned money
Received letter dated XX/XX/2018 from Global Credit & Collection Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Stating that my account XXXX, NA Card # Ending in XXXX has been placed with Global Credit & Collection Corp.I don`t have this account.I received a call from them last year saying the same story, I told them I have no such account.They wanted my Social Security #. Thats when I told them I am not giving you SS #. I asked them what Credit Card of mine do you have, would not tell me, need SS # .I finally got out of him it was a XXXX XXXX XXXX XXXX.Told him I have a XXXX account not that # .Insisted on SS #, That`s when I ended call. So today XX/XX/2018 I receive a letter that I owe $ XXXX.Current creditor to whom the Debt is Owed : XXXX XXXX XXXX XXXX, XXXX XXXX ID:XXXX XXXX XXXX XXXX XXXX I believe they are Phishing for my info. I have checked my Credit Report nothing on file, I have excellent credit. So they need to be reported and I need to know, Ido not want to talk to them I don`t know anything about this company other than they went bankrupt twice. THANK YOU
Regarding PNC Mortgage. We all know PNC Bank has been having problems remaining financially stable & are penalizing consumers. This is my XXXX complaint filed relative to unethical practices at PNC Mortgage. For the past 14 years, XXXX to date, I 've rented the home located at XXXX XXXX XXXX, XXXX, XXXX, WV XXXX and the mortgage has run from {$470.00} - current $ XXXX. The highest mortgage rate was a short period of time from XXXX XXXX into XXXX at {$610.00}. Each time, PNC Mortgage has completed a new Escrow Analysis to determine upcoming payments. By letter dated XXXX/XXXX/XXXX, PNC voluntarily notified me that " Under the XXXX of XXXX '' I was eligible for removal of PMI. XXXX deleted PMI on another rental property of mine years ago. In a letter dated XXXX/XXXX/XXXX, PNC recanted that the property is eligble for PMI removal. In XXXX XXXX, I contacted PNC as follow-up to their XXXX/XXXX/XXXX letter. In response, by letter dated XXXX/XXXX/XXXX, PNC stated " The HOPA of XXXX does not allow automatic termination of PMI for a second home or an investment property. ' 'Therefore, we are required to follow the deletion requirements of the loan vestor. '' In the letter PNC Mortgage is also requesting an appraisal at my expense. I also received separate correspondence of the same date, XXXX/XXXX/XXXX, with another Escrow Account Disclosure Statement. In this ( adjustment ) statement, PNC Mortgage indicates an escrow shortage of {$760.00} and an increase in monthly mortgage payment from {$560.00} to {$680.00} XXXX XXXX ). I have NEVER made any money on this property while renting ; have always had to supplement the monthly payment. It is my opinion that PNC Mortgage is being quite absurd about their inconsistent business practices. In the past, they have also overcharged for Flood Insurance on the property ( as has XXXX XXXX ) and also placed flood insurance on the property at the same time XXXX XXXX had provided coverage. * I am not able to scan to upload my supporting documentation, will need permission to fax or mailing instructions. My request is that PNC Mortgage be required to reimburse me for the duplicate and excessive flood premiums charged and also they further explain why their Escrow Analysis have been inconsistent over the past 14 years.
owner XXXX XXXX file compliant against bayview loan servicing for predatory lending practice. hoepa home ownership and equity protection act of 1994. and tila truth in lending act violation of both hoepa and tila 1 ) high interst rate 2 ) high escrow charges fees and unreasonable late fees respa real estate settlement procedure act 1 ) past due amout and excessive charges unearned and duplicate fees violation of section regulation x improper charges and improper fees. owner request to publish this information to other victims if you are interested in bring a class action lawsuite against bayview loan servicing please be willing to sign petitions and call me XXXX at XXXX thank you
I have sent several certified letters to XXXX, XXXX and trans union multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, CA 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 CENTRAL FINL CONTROL or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL 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
I have sent numerous requests to experian to provide proof of verification of   XXXX   XXXX   XXXX   XXXX   XXXX    account that is being reported on my credit. Under the FCRA Act, the bureau 's are responsible for keeping this documentation on file. Under the FCRA, experian has to verify the account with the original documentation in order to comply with the " right to report '' and FCRA laws. If the original documentation is not provided, the company must delete the account. Under the FCRA, Experian must provide a copy of the verifiable original creditor documentation if it is requested properly by the cosumer. Since Experian can not provide proof of verification to me in the form of a physical contract document per this request and the handwritten request that is uploaded to this file, the account is classified as " unverified '' and under the FCRA, all unverified accounts must be deleted. I would also like to note that experian comes back with they have " verified '' the debt but never provided written proof. If they never received written proof, then the numerous times they have come back with a supposed " verification '' is a complete lie and breaking the law.  Either  show me documentation in its original form for the   XXXX   XXXX   XXXX   XXXX   XXXX    account or remove it from my credit report. I have also uploaded my driver 's licnese and paystub with the last  XXXX  of my socail that matches my credit report,  XXXX .
The XXXX XXXX company located in XXXX XXXX PR calls my work 2 to 3 times a day, goes to the home of my son 's grandparents and leaves letters with them or the people living there notifying them that I should call them. that's something private no one has to know that I borrowed a loan also they communicate with the people that I referred telling them about my case I think it is a lack of respect from the company to do this to ask about me and about my debt. They call me even XXXX, I am going through a difficult economy after the Hurricane Maria in Puerto Rico I made a letter to the company to communicate with me to my email and my phone number I hope you can take action on the matter thank you very much.
XXXX XXXX in XXXX, Tn turned over a {$480.00} debt to Fox Collection in XXXX, Tn. XXXX XXXX made a mistake when they did this b/c I 'd got a XXXX program at XXXX XXXX XXXX in XXXX to pay for that hospital visit. When I pointed this out to XXXX XXXX they cancelled the remaining balance on my account. Fox Collection reports a zero balance on the debt but they have told XXXX XXXX and me as well. That they can not remove that negative account from my credit reports. Which we all know is false. Collection Agencies contact credit bureaus everyday and inform them they would like for accounts to be removed that were settled, cancelled and/or paid off.