WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA 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 XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX XXXX # 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 XXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have 2 negative accounts from XXXX XXXX that have been sold or given to a collection agency. Holloway XXXX XXXX. One of the 2 is where we broke our lease when my husband was relocated to XXXX from XXXX. This one I knew I would owe but the other one is a the home we lived in prior to that one and we did not break the lease or damage anything. They stated they are charging us for clean up but they also kept our deposit and it should not take {$800.00} for clean up. We also upgraded light fixtures and put in ceiling fans and did not request payment for those. The lease we broke, I was charged for marks on the walls even though I did repair them. I repainted in the paint left by them but they still said it was not clean enough even though I had a professional cleaner come in. I was never notified of these bills or allowed to dispute the amounts. They suddenly appeared on my credit when I went to apply for a mortgage. I did call and ask for a settlement amount to just take care of it but they will not return my call. The collection agency said that XXXX has to approve it. XXXX XXXX knows nothing when I call them. They are not giving me any means to get this corrected or working with me on this. I called them on XXXX the XXXX and they said that XXXX had 15 days to get back to them. The 15 days would have been XX/XX/XXXX. I ask if it was just business days and they said no, just calendar days. My husband started calling back in XXXX and they gave him an amount to pay that was 50 % of the bill but when I called they said it wasn't approved and no one would have told him that. I just need a means to correct this since no one seems to be responsible for it but yet they were quick to put it on my credit negatively!
I would like to re-address this complain because the law firm Zwicker and associates has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the XXXX Court of the XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from zwicker and associates regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because zwicker and associates have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from XXXX. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact zwicker and associates to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact XXXX and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with Zwicker and associates in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.
Having a hard time getting monthly statements from the Seterus Mtge Co. Acct # XXXXX Property address XXXXXXX, XXXX FL XXXX. Our Bankruptcy XXXX was XX/XX/2014 and they still say that they ca n't send monthly statements due to us being under bankruptcy. We did chapter XXXX in XX/XX/2014 and the XXXX company was not included in the bankruptcy. They do n't listen to us after several attempts to clear this error up. We are so tired of this run around it has been over XXXX yrs. Please assist me in clearing this up. 
Thanks so much for your assistance.
To whom it may concern : I do not have the most accurate category in the drop down menu " which of these best describes your issue '', however, I did call and a customer service rep assured me that making a complaint here would be most efficient and that I could personalize my complaint here. 

My complaint is that the company who now has my loans, 'GC Services ', has consistently given me wrong/misleading information regarding my defaulted student loans. I was notified by the XXXX that my loans totaled about XXXX. I was sent a letter around the end of XXXX stating that I had 60 days to respond. I never got that chance, because the loans were transferred to GC Services. I contacted GC Services about two weeks ago so that I could rehabilitate my loans. I was told that I had rehabbed my loans twice before and was no longer eligible. 

I also called today, XXXX/XXXX/2016 and again inquired about rehabilitating my student loans. I was told that I had rehabbed them once and was not eligible. I asked why the discrepancy and then asked for supporting documentation, since I was on the Consumer Finance.gov website and would submit a complaint since by law, they have to offer me a rehabilitation for defaulted student loans. I was told they do NOT offer supporting documentation and I then asked for an address and phone number, neither of which were given to me. I was then transferred to a 'manager ' and when I asked for an address and phone number, I was asked " why '' - this does not seem like a legitimate business practice. 

I was given a phone number, but not an address - XXXX is the phone number that I was given. They also tacked on fees and interest, making the total XXXX. I do believe I am eligible for rehabilitation since my loan is defaulted and I am having financial hardship. I do not believe that this company has given me accurate information or represented themselves as a company that tells consumers the truth, instead, I have been consistently transferred around to various departments, 'managers ', been given false information, and told my only options were " paying the loan '' and I was told I could not rehabilitate the loan repeatedly with no real explanation outside of " you did it twice and are not eligible '', and then " you did it once and are n't eligible ''. Again, I do not believe it is best business practice not to communicate basic things like supporting documentation, addresses, etc. to someone who is attempting to resolve their defaulted federal loans. 

I was also told by GC Services to contact the XXXX, but I had already done that, and I get an automated response telling me to contact GC Services. 


Thank you for your time and attention to this matter.
Hello, I received the following email from Paypal ( I have deleted sensitive information ) : Your buyers bank requested a reversal for the transaction below. 

We are required to return that payment to the bank. When this happens, we take the loss on your behalf if the payment is covered under PayPal Seller Protection.  Unfortunately this payment was not eligible for that, so we have deducted the related amount from your PayPal balance. 

Transaction Details Senders Name : Senders Email : Your Transaction ID : Transaction Date : XXXX XXXX, 2017 Transaction Amount : {$50.00} USD The issue with this, is that this was not a purchase, but a money transfer ( gift ) from my brother, over 5 months ago. My brother 's account received several unauthorized transactions recently, and he alerted Paypal to this. They were unresponsive until his balance turned negative. Now they are asking him to pay it. 

Paypal has deducted money from my sister 's account, and now mine, in an attempt to get this balance back, which I believe is fraudulent. 

Deducting money from my balance for an ongoing dispute unrelated to me from 5 months ago, I believe is violation of trust and privacy ( they are independently tracking my brother 's transaction history without his knowledge or consent, and attempting to penalize others to recover their loss from their own mistake ). I would like to alert you to this practice. 

I should also add, that my brother resides in the XXXX, which has even stricter privacy laws, and I am surprised that they are able to successfully do this. Please let me know if you need further information from me about this transaction. I appreciate your attention to this.
I discovered XXXX checks from my ESCROW OVERAGE account that I had n't cashed. I have gone to all steps & measures to get these reissued. See 9 pages of documentation. I was never notified the checks were not cashed, nor were the funds turned into the State of IL. XXXX XXXX XXXX XXXX XXXX XXXX were bought by Citibank. I was finally able to track down the mortgage & they found the info & instructed me to send the info so they can reissue the checks. Since then, I have received nothing but a run around of excuses of why they can not reissue the checks. They keep instructing me to contact XXXX XXXX XXXX or XXXX XXXX back which are now dba as Citibank & Citimortgage. I keep telling them you are them, then they tell me either the checks part did n't get transferred to them or I signed off the mortgage & there is nothing they can do. # 1 The checks are from ESCROW OVERAGE. # 2 The  monies were an asset that got transferred somewhere. Generally in a sale all assets & liabilities get bought. # 3 If they have all my other info on my loan & a # was assigned to it & the 1st 2 people I talked to walked me through it & told me what to do, why ca n't I get these reissued as they said would happen. I have contacted my bank ( & gone through all old records with them ) &  government agencies & they all tell me since it is ESCROW OVERAGE money they should be reissued. I am at a standstill with Citibank/Citimortage/Citi group.
I was notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX that I owed money to XXXX XXXX XXXX ( no address known ). They started to garnishment out of my check in XX/XX/XXXX until XX/XX/XXXX. I have sent them numerous letters and proof I was XXXX in a XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and this debt could not be mine. they finally agreed but will nut refund almost {$1600.00} and still will not respond.
- synchrony/XXXX XXXX charged off my account despite establishing payment arrangement and maintaining timely payments.

-synchrony/XXXX XXXX failed to report those payments directly debited from my bank account.

-synchrony/XXXX XXXX continuously withdrew monies from my account after charging off and selling my account to debt collector.

- They also pulled my credit for review in XX/XX/2018 after account was charged off.

-I filed dispute in XX/XX/XXXXwith XXXX  and XXXX in regards to matter. account was deemed verified and accurate.

-I attached proof of bank statement. 
- This has had a significant negative impact on my credit.
We were shocked last week to have XX/XX/XXXX mortgage payment returned with letter saying we should contact them to receive the reinstatement amount.

After reading this I called them and they were closed. I then reactivated my online information to try to go see what is happening. Have n't received anything from Ocwen to know there was a problem.

Then could hardly breathe while screenshotting the account activity.

It shows that all payments were received and returned since XX/XX/XXXX, almost a year! This is the first time I received a returned payment. Where are the other 10 returned payments? Why did they get returned? Was insurance even paid? All this time I had no idea, why? We are sending them and where are they now??? 

The letter has my parents old address, was returned and Ocwen placed in a handwritten envelope. Then resent to my correct address which is the property address. * I used to have important mail sent to my parents address, my dad passed away 4 years ago, mom moved out and requested for mail to go to the property address again. 

On XX/XX/XXXX : -The bank said that they were n't cashed. We are able to cancel/reissue.

-The Post Office is looking into this but said highly unlikely that would happen that many times-they must not have really returned them AND the mail would have been returned to sender. 
-We checked with the homeowner of my parents old address-he has n't been receiving them. 

This is so scary, I feel scared and defeated by them once again. 
I 'm lost at how to figure this out. 
Nothing to my property address, no phone call-those things have n't changed. 
I 'm shocked that there is n't anyone coming to our house to collect?! For a year! 

Years back they told me that I needed to pay a huge amount because I fell behind. They inflated the amounts and I had to pay up because they said it was too late to do loan modification. Hindsight, they were probably being dishonest. We made the arrangements and paid to have everything good again. Now this. And during that period there were letters notifying us. 

I told my entire family, some started looking online and found your company sued them for exactly the things I have went thru in the past. In addition, massive amounts of homeowners in the same situation with this company. I am just in a state of fear. 

I feel like if I called them, they will say another insane amount to steal from us. I 'm shocked that there is even a record of consistently receiving payments and returning them. 

I am completely overwhelmed and fear the worst. Since your company has faced them, I 'm hoping to learn what I can do to save our house. How to resolve this. Seems like they hope that people are going to be too scared and they will get their homes. Cant imagine losing our home after 20 years- our dogs are buried here. We are getting the payments canceled and reissued but I just do n't trust these guys-please help.
I had a personal loan with XXXX XXXX XXXX that was a bad debt I owed XXXX . On XX/XX/2018 I sent a payment of XXXX to the bank to settle the account. XXXX and XXXX changed the balance to XXXX $ while Experian did not I have disputed this account on my credit report with Experian for the 4th time now and Experian is still showing a balance of XXXX $ even after I sent them a copy of the check that was made out to XXXX XXXX XXXX.
This is the second time I have received a call. The most recent message that I received is as follows : " This message is for XXXX XXXX also known as XXXX XXXX. Last four social XXXX. Mrs. XXXX My name is XXXX XXXX with XX/XX/XXXX. I'm calling in regards to legal documents that were submitted to my office today for two counts of financial fraud, Mrs. XXXX, I was actually looking at your documents ... in regards to XXXX XXXX XXXX, that's the attorney that foreseeing your bankruptcy file under the honorable Judge XXXX XXXX XXXX. Mrs. XXXX the bankruptcy fraud are some serious allegations. We need to discuss that and this video surveillance with you, and then make arrangements to contact your attorney and the judge to see what we can do about this ma'am. I need you to call the attorneys office at XXXX. '' end voicemail. 

This is the second call of this nature that I have received from this number. The original phone number that called me was XXXX. This number is listed as XXXX XXXX. I called back and the " receptionist '' XXXX XXXX. I asked for the address. I was given XXXX XXXX XXXX XXXX XXXX, NC.
I have been trying to get Chase Credit Card to fix the amount they just threw in cash advance, when I never had a cash advance sine XXXX of XXXX. They also juggle the amounts back and forth in that area and I believe it must be so they can charge higher interest. I have all my statements, and did an audit and not only are the amounts ridiculous, I notice they did this also in XXXX. The XXXX started out with an amount of XXXX, and is now XXXX? I have photographed a few statements that shows the amounts bouncing back and forth. One month XXXX the next XXXX, the next XXXX and so on. There has got to be a law against this. I am wondering how many customers they are doing this to.. Do I have to start a class action to get this remedied? I see where they have been sued for everything but this, and it seems it started just about the time they were caught on other descrepencies. Please advise. I also just received a notice that since my interest was low, they are raising it 5 %. Are these guys loan sharks in sheeps clothing?
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from CAPIO . I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against CAPIO in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
I am a long time JPMorgan Chase Bank Customer, and enjoyed many accounts ( credit, checking, etc ) with the bank for over 10 years. 

On XXXX XXXX, I opened a joined account with my mother ( my mother lives in XXXX, OH XXXX ). Savings account Account # XXXX ; and checking account number # XXXX. Since I live in XXXX and my mother lives in XXXX, we were looking for a bank with locations in both cities. The purpose of these accounts was to assist my elderly mother with financial services. As part of opening a new account, Chase had a {$500.00} offer - 1 ). I was required to deposit {$15000.00} within the first XXXX business into savings and 2 ). to initiate a direct payroll deposit from my employer. If I was to satisfy these requirements, Chase promised to give me a {$500.00} bonus after 90 days.. At the time of the account opening my mother deposited {$200.00} into the accounts. ( {$100.00} into each account ). 

On XXXX XXXX, I deposited {$15000.00} into the chase savings account # XXXX. I also had my mother initiate her first deposit into # XXXX ( scheduled for XXXX XXXX ). 

On XXXX XXXX, I my mother received a letter stating that both accounts will be closed on XXXX XXXX - reason not given. 

On XXXX XXXX, I called to Chase call Center XXXX at XXXX XXXX to understand the decision to close the account. The representative informed me the a decision was made by Chase, the checking account and savings accounts are closed. There is no reason for this action. 

This action by Chase to close my account makes me feel very uncomfortable for the following reasons : 1 ). There appears to be discrimination against my mother, who is elderly and requires assistance with financial decisions. 
2 ). Chase refused to honor the offer of giving {$500.00} for opening the account. This is false advertisement. 
3 ). My mother and I are both foreign born ( something the personal banker opening the account asked me ). I feel like Chase closed the accounts because the personal banker did not want to have business with someone born outside of the USA. 

Thank you for your help.
I applied for an apartment yesterday and was declined, because XXXX XXXX had incorrect information about my rental history. ( They received this inaccurate information from XXXX. ) The information stated that I had an outstanding balance with XXXX with whom I had a lease in XXXX. I called XXXX today ( XX/XX/XXXX ) and confirmed that there was no outstanding balance.
I am a victim of identity theft and their is unauthorized and fraudulent credit accounts and inquiries listed on my Equifax credit report. The following credit accounts and inquiries listed are fraudulent : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX.