WillisBack/dataset-financial-user-claim huggingface dataset:
IN RESPONSE TO CFPB COMPLAINT : XXXX THIS ACCOUNT STILL REFLECTS ON MY CREDIT REPORT TODAYS DATE:XX/XX/2018 XXXX L XXXX XXXX XX/XX/1976 XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION XXXX DEPARTMENT DOCTORS BUSINESS BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX L XXXX XXXX XX/XX/1976 XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
I removed a authorized user from my account in XXXX or 2018 I notified Citi bank I no longer want to be financially responsible I would like them removed the agent was nice told me everything was done I paid the XXXX dollars they had run up on the card in full. Without my permission without my knowledge Citi bank issued them a new card 4 months later They run the credit card up to XXXX dollars and citi bank says Im responsible. Now citi bank admits in recorded phone conversations I called and told them in XX/XX/ 2018 I no longer want to be financially responsible and I want this person removed and citi bank admits I never once called them to add another autorized user to my account so how am I able to be held financially responsible?
I initially filed a complaint with Equifax about reporting two mortgages that are either duplicates or incorrectly recorded on their end, and three mortgage " hard inquiries '' that should have concatenated due to shopping around. 

These mortgages add up to {$210000.00} of debt that should not be in my name. 

I caught this after noticing only Equifax reported a 30pt drop in my credit score via XXXX XXXX. 

I filed the complaint in the beginning of XX/XX/XXXX, and received a " completed '' investigation email today XX/XX/2018. Upon attempting to login, the website threw an initial system unavailable try back later. 

I tried again five hours later, and my social security number and information no longer work. They are pulling up someone else credit history to question against! 

I can't access their online report at " XXXX '' -- they expect me to now scan my social security card or passport, and a bill from my home and mail it to them? 

This company has already reported to me that they are monitoring my name for fraud as it was compromised in their leak, and they are now committing fraud by preventing the removal of erroneous accounts, or me seeing my credit report. 

I don't understand how Equifax is the only one reporting this incorrectly.
XXXX XXXX has reported a vehicle loan as charged off to the credit bureaus. Currently we are in the process of obtaining a mortgage and the underwriters require that we obtain a letter from XXXX XXXX regarding this loan that states the loan was charged off. We have contact XXXX XXXX several times to request this letter and they refuse to supply a letter. We were told they would not send a letter and that it would need to be obtained via the credit bureau. The credit bureau is simply reported the information provided to them by the original creditor, XXXX XXXX. The document must come from XXXX XXXX, however they have been rude, condescending and uncooperative. We were told at one time the letter would be faxed on Monday, XXXX XXXX, XXXX but this never happened. When contacted again, they would not say why it was not sent and refused to send one. Not only the purchase of our home is waiting on this letter, but the seller can not proceed with their purchase and the seller 's seller can not move forward to close on their home until this has been obtained. XXXX XXXX XXXX XXXX, XXXX XXXX stated they do not send letters several times. Then in her next statement she indicated that they had already sent a letter when the loan was written off. When asked to resend the letter she mentioned, she stated " we do n't resend letters. '' We have spoken to several representatives including XXXX, XXXX, XXXX, XXXX and XXXX to mention just a few. Our son called to try to get information and was given information about our account even though they claim they had no release. If the indeed had no release, they are breaking privacy laws by even acknowledging the existence of the account. Yet, we continue to be vilified because of a past credit issue/mistake that was outside of our control at the time. All we have asked is for a simple letter that states the account was charged off and the date it was charged off so we and several others may move forward with our home purchase.
I have disputed with Experian and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All XXXX bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Experian make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Experian or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file.
The company, " Portfolio Recovery Associates '', has been calling repeatedly for almost one year now. In reviewing, we have found no affiliation with this company and can not ascertain the need for them to continue calling our number. Despite a letter sent to them requesting that they stop calling, we received a call on Sunday afternoon, ( XX/XX/2018 ). This has become harassing and they simply need to stop.
I am writing to dispute  XXXX   XXXX    XXXX   XXXX   #  XXXX  on credit report number  XXXX . The ratiing listed on the account is incorrect. Please delete the account.
The XXXX breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 

Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.
The agency has 2 separate medical collections accounts, both of which I had insurance with The Illinois Medicaid Program at the time. These should had been billed correctly.
I have a VA loan through LoanDepot. My taxes and insurance are included in my monthly payments and put into an escrow account. My insurance is through XXXX XXXX and has been for over 20 years. For some reason LoanDepot changed my mailing address to my property address, which does not have mail delivery. XXXX XXXX billed LoanDepot when my insurance was due. Loan Depot did not pay. Multiple notices were sent to LoanDepot as well as phone contact by XXXX to LoanDepot. Still the insurance was not paid. My insurance was cancelled on XX/XX/XXXX. In XX/XX/XXXX  LoanDepot placed forced insurance on my loan but did not contact me due the the address change. LoanDepot states their forced insurance policy is a little over {$980.00} for XX/XX/XXXX to XX/XX/XXXX. LoanDepot states the forced policy is {$76.00} per month ( {$920.00} for a year ) compared to {$33.00} per month for my policy with XXXX. My policy with XXXX was a little over {$400.00}. My escrow account by now should have 20 months ( {$33.00} per month ) of insurance payments for a total of {$670.00}. I paid for a year 's policy through XXXX effective XX/XX/XXXX - not to be taken out of escrow but paid in full. Both the policy and paid receipt were sent to LoanDepot, which they admit they have received. A supervisor named XXXX told me after an escrow analysis was completed, I would receive credit for seven ( 7 ) months of the forced coverage and be sent a refund. Today, I spoke to a supervisor named XXXX. He insisted I still owe money for the forced coverage. I had to pay an additional {$130.00} on top of my usual mortgage payment. XXXX also points out that I must provide proof of insurance for the period from XX/XX/XXXX to XX/XX/XXXX. This was not an issue prior to today 's conversation. As stated above the forced coverage was from XX/XX/XXXX to XX/XX/XXXX, it did not cover from XX/XX/XXXX forward. Yet, now Loan Depot is expecting me to pay for forced coverage for months prior to them placing the coverage.
I took out a loan with XXXX and notified them on XXXX that I wanted to pay the loan in full on XXXX. On that day they took out the amount of {$3700.00} which was the pay off of the loan but they also took from my bank account a regular bi-weekly payment of {$230.00} which was an overpayment. They 've admitted the mistake but wo n't refund the money back to me unless I provide them with my most recent 30 day bank statement. My last bank statment was dated XXXX so this would not show up on it. I sent them a transaction list from my account that clearly shows both payments and has the last XXXX digits of my bank account showing on it. They claim this is n't proof of the additional payment even though it clearly shows it is. They should be able to see on their end as well as when I pull up my account is also shows the additional payment. They know they took the payment. I should n't have to wait to get money back that they took that was n't owed to them.
Earnest, my student loan company, mistakenly took money from my bank account while i was in forbearance. i am now left with -XXXX and the quickest they can refund the money is 1-2 weeks - thats with it being expedited. This is criminal and has left me with no money for two week. They need to be held responsible for the kind of stress this has put on me and my family. I have attached an email of the latest correspondence.
Related case # XXXX Thank you for your investigation response. Can you please send me : ( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 

tel:XXXX
Received a call from this debt collector. They demanded paperwork that they refused to provide and refused to offer an alternative when informed that I could not fill out said paperwork or even find it. When I requested assistance, all XXXX persons spoken to refused to provide it and refused to provide any information on any XXXX assistance. They also refused to accept proof of XXXX and refused to make any accommodation stating that the phone was breaking up on my end ( and that they had " perfect phones '' ) and they did not understand me, but responded to statements easily and only claimed phone problems when I was attempting to explain my problem with them. They also heard all other dialogue excepting what they did not wish to ( e.g. that the amount they were demanding was a fraudulent transaction ). No names were given, when I indicated that no classes were taken nor permission to initiate what the representatives called a " loan '' the statement was ignored. I stated this XXXX times. In addition, no letters were sent indicating this debt even existed or that I had the right to dispute it. All XXXX representatives also threatened ( not stated, but VERY clearly threatened ) to not only report the debt if not paid today ( XX/XX/2015 ) but that the report would ( NOT could, but would without any doubt ) prevent me from obtaining a " mortgage, loan, credit card, and even cable/satellite '' in those exact words. Finally, the recorded portions of conversations were partial and started at varying ( and terribly convenient ) times. 
The company provided only the name " Malcolm S. Collection '' and additional information was requested but never provided. I requested no further contact from them but XXXX additional pre-recorded calls were made after the request.
Since XXXX XXXX, 2017 I started submitting all requirements for Loan Modification to Select Portfolio Servicing Inc, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of Select Portfolio Servicing Inc. is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Select Portfolio Servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with Select Portfolio Servicing Inc. requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Select Portfolio Servicing Inc. have not dealt to me in good faith until this moment.
XXXX AND XXXX RIPPED ME OFF FOR {$3800.00}. THEY ARE FRAUDULENT LENDERS FROM XXXX-XXXX.
Applied to refinance existing mortgage. Provided documents asked for including XX/XX/XXXX and XX/XX/XXXX tax returns and XXXX. I wanted the mortgage refinanced based upon mine and my wife 's retirement income. The tax returns shown sources of income/loss other in addition to our retire income. The losses were due to horse business. In XX/XX/XXXX my wife had some health issues and we decided to close the horse business. Because we closed the business during the year we still detected from our XX/XX/XXXX income taxes. The underwriter wants to continue to use this in their income to debt ratio calculations even though we have provided a letter that states we are no longer in the horses business. In addition the XX/XX/XXXX tax return shows income from an employer which they do not use in their income to debt ratio calculations. They are selectively picking data and ignore other data that is available.
I failed to appear in court for a credit card debt in 2009 and there is now a judgement against me. I was unemployed for 5 years and was unable to pay the debt. There is now a lein on my bank accounts and i can not access my funds.
I visited XXXX in XXXX on XXXX/XXXX/XXXX. I worked with the billing agency XXXX XXXX to pay off my medical bill which was paid in full XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX Pendrick Capital Partners II, LLC purchased the account and sent Affiliate Asset Solutions , LLC to obtain the " debt ''. I called XXXX and Affliate Asset Solutions to provide proof the account was and had been paid in full for almost 2yrs. 
On XXXX/XXXX/XXXX Pendrick Capital Partners II, LLC sent XXXX to obtain the " debt ''. I called XXXX and XXXX and AGAIN provided proof the account was and had been paid in full for 2.5yrs. 
I am concerned at this point that PENDRICK CAPITAL PARTNERS II, LLC will continue selling this account FRAUDULENTLY and passing my sensitive information from credit collector to credit collector. My name, date of birth, address, and other information could be compromised at this point with continuous disbursement to various collection agencies.
I have been writing letters to the XXXX major credit bureaus, XXXX and Transunion since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and XXXX are reporting a balance of {$17000.00}, while Transunion reports a balance of {$17000.00}. The Date of Last Payment also does not match! Transunion reports XXXX/XXXX/XXXX, XXXX reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX and Transunion. For instance, the Open date on XXXX says XXXX/XXXX/XXXX but on Transunion it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car.
I had an  a CCB/PayPal account 7 years ago. I canceled my account 7 years ago. CCB/Pa yPal continues to request my credit report from  XXXX , and  XXXX . Upon calling them, they have refused to take the enquiry off. I have not authorized them to pull my credit report.
I pay most bills directly through my checking account. I 've never had an issue until now. I had a scheduled payment of {$340.00} for my school loan with FedLoan. According to my checking account on XX/XX/XXXX {$340.00} was taken out by the Dept of Ed. XX/XX/XXXX I received an email from FedLoans stating that my account was past due. I called customer service the same day and informed them of the error. I was told that no payment shows up on their end and I should check with my bank. When I contacted my bank they were able to see that the money was taken out and is sitting with FedLoan 's bill pay company XXXX. My bank tried to schedule a 3 way call with me, the bank and XXXX. XXXX refused to speak on the recorded line. My bank advised me to to call my lender again and explain to them what 's going on with XXXX. My bank even opened a case and had an incident number ready. XX/XX/XXXX I called FedLoan again but the customer service rep did n't have much to offer regarding XXXX. She simply said email or fax proof to FedLoan that {$340.00} had been taken from my checking account. She also told me I should sign up for automatic payments. NEVER! ( I had done this before with FedLoans and had gotten screwed when {$600.00} was taken out by accident. ) That same day I emailed and faxed my bank statement. In the meantime my bank encouraged me to make another payment ( using another method ) to FedLoan since I was in a late status. On XX/XX/XXXX I made a payment directly on the FedLoan website. This morning I received an email notification from FedLoan. When I logged into my account there was a letter dated XX/XX/XXXX stating that my XX/XX/XXXX payment was still past due! Mind you, the payment I made on XX/XX/XXXX is reflected on my FedLoan account online. As of right now no one from  FedLoan has responded to me or my bank and someone still has my {$340.00}. To add insult to injury I also read a letter on my FedLoan account about my employment certification for the Public Service Loan Forgiveness program. They are still giving me the wrong start date. The whole situation stresses me out. I work hard to pay my bills on time and keep my credit in good standing.