WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. XXXX XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.
I think current and potential customers should be aware that Capital One may make publicly available all credit card statements in a legal proceeding. I had a credit card for approximately 6 years and was unable to make payments due to unemployment problems. I relocated to find suitable employment and was contacted around XX/XX/XXXX by their attorney, XXXX XXXX XXXX. I attempted to set up payment arrangements prior to any legal action being taken and received a stipulation of judgment upon default agreement that included an erroneous filing fee for a case never filed. I did not sign this because it was inaccurate and I was working a temporary position and renting a couch - the likely hood of defaulting in the future was very high. I requested they only contact me in writing ( no email or phone communications ). The next notice I received from them was in XX/XX/XXXX and it was a summons to appear in court. Once again, I was unemployed and unemployment only covered the basics. Mediation was held in XX/XX/XXXX, I was fighting this in part because the original customer agreement stated only Virginia and Federal law would be applicable and also because I was recently diagnosed with a condition that required XXXX and time off work to recover. They did not have a copy of the original contract so when this case went to trial in XX/XX/XXXX XXXX XXXX XXXX filed 6 years of statements with the court to prove their case, which made them public record. They did not redact any information on the statements and did not file any motions to protect any of this information. During trial I commented on this and I have attempted to file a motion with the court to correct their error. They continue to tack on erroneous fees. Included in the judgment are 3 fees that occurred prior to the case being filed with county court and they attempted to simultaneously garnish my wages and levy my bank account. If I had been more forthcoming with them and made payments, they would have been successful in taking all of my money shortly before I was scheduled to have XXXX and was physically incapable of working for several weeks. Unfortunately, this also means they have filed three different writs since XX/XX/XXXX and the judgment now includes {XXXX} in alleged court costs. Of course I ca n't afford to hire an attorney and I have filed motions pro se with the court, but I do n't even think the court is reading what I file. None of my other creditors were this aggressive, I made arrangements or settled with almost all of the others. Now they will suffer for being decent because bankruptcy is the only option I have to deal with this one.
I contacted convergent outsourcing by mail to verify and validate a debt. I received a response the beginning month of XXXX with just a bill copy. The amount of XXXX This no real proof that a bill is mine simply because my name is on a bill. I want real proof that this debt is mine such as a signature, e signature, copy of my identification proving this debt is mine. If this can not be provided i would like this debt to be removed from each credit bureau it is reporting to and not to be added back with another collection agency. This debt that is reporting on my credit report is severely damaging my credit worthiness. I demand proof in writing by mail that this debt is mine or remove it! And once it has been removed immediately notify me by writing in mail.
Last year, I had a Bank of America business credit card which became delinquent. I was never notified of this fact and they removed the card ( along with my ability to p ay ) from my o nline banking with NO notification whatsoever. I started receiving calls asking me to verify my account, which I would n't do because it sounded like a scam. I had spoken to them prior and told them I was out of work but would make payments when I could ( seeing as I 'm a 20 year customer, I figured they would be human about it ). This is when they removed my account, even though I was actively making small payments to it. When I called to complain, they said that it is their policy to remove delinquent accounts. NO notice was ever sent. I emailed  XXXX   XXXX  the  CEO several tim es telling him I want to make payments, but I need to do so online and not on the phone when some random operator calls me expecting me to give them my account info. He had someone named  XXXX   XXXX  call me and I explained I was trying to pay but need my account back. She said not, it is n't their policy, then they confiscated {$1300.00} from my account without my permission. When I filed the last complaint, they responded saying they could n't find my account, and apparently the case was closed. They ca n't even find my delinquent account but I 'm supposed to give my info over the phone? They never notified my of any of this.
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's mailing address for dispute requests is : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$500.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
I have a checking account through Bremer Bank. My local branch is in XXXX, Minnesota. I was charged XXXX separate overdraft fees for non-sufficient funds in the amount of {$35.00} each on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX despite the fact I made every attempt to get the monies into the account before midnight each day it was overdrawn. I submitted a request to the bank to overturn these fees due to the fact that I was advised in XXXX XXXX by the XXXX, XXXX, at the XXXX location, that customers had until midnight to get their account current as I had an issue at that time. I asked for clarification of this issue of what was stated to me and she said this was the policy ; however, bank ATMs state otherwise in that monies should be deposited into funds by XXXX p.m. daily. Supposedly now I misunderstood, but I asked her outright if this what she meant to say. I want the bank to overturn at least XXXX of these as I feel they added an overdraft ( specifically the XXXX dated XXXX/XXXX/XXXX ) unfairly as the reason why the account was overdraft was due to the overdraft taken out the previous day. While I do n't want to get XXXX into trouble, she never should have said this to me if it was not the correct information. 

XXXX Bank is also taking electronic checks late in the day when they only allow until XXXX p.m. to get the money into your account and this has caused overdraft charges as well and then they do n't want to overturn them, despite the fact that I have checked my checking account diligently the same day to see if more money needs to be put in that day. I think any bank that does this should allow their customers until midnight to get their account current. I have a checking account through a local credit union who allows this and am considering moving all of my banking there now due to the frustration with this most recent issue. A customer has a right to know what is coming in and out of their account that day, and it is n't always reflected for me see. This is deceptive to the customer. A customer also has a right to make a deposit the day the item comes into that account whether it before before or after the item comes in for payment.
Equifax has refused to follow the laws set out in the fair credit reporting act and block the information they should with an FTC affidavit. The other bureaus followed the law and blocked the information.
I am one of the people affected by the recent Equifax hack. Equifax failed to protect my data. I have signed up for identity theft protection and am in the process of putting an alert on my credit reports.
In XXXX of XXXX, I started the process of purchasing a car. I only visited and communicated with 3 vendors. Those vendors are were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. That should have only generated 3 inquiries on my credit report. I had loan pre-approval paperwork from XXXX, so there was no need to run my credit multiple times with different lenders. However, upon reviewing my credit report, I noticed that 14 inquires were generated on XXXX, 6 on Transunion, and 9 on XXXX. There were some companies that ran my credit 2 to 3 times within 2 days,  creating several entries. These inquiries were UNAUTHORIZED. I  have disputed with all three credit bureaus with no results. They have told me to contact the companies individually. I have attempted to do so with no results. They have failed to provide any documentation showing they were authorized to run my credit. The FRCA rules state that the permissible purposes for running credit are for a firm offer of credit, employment, insurance, or a court order. None of the above apply to the companies that initiated the inquiries. These inquiries are severely impacting my ability to obtain credit. Therefore, I am respectfully requesting the removal of the following inquiries from my reports : XXXX XXXX XXXX XXXXXXXX ( have never even heard of this company ) XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( ran 2 times ), XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Thank you for your assistance on this matter.
I have disputed the bankruptcy listed on my credit report with Equifax. My information has been suppressed with XXXX since XX/XX/XXXX but they send me correspondence stating they have verified with XXXX. I requested a copy of my XXXX report which is dated XX/XX/XXXX. I received a document from Equifax dated XX/XX/XXXX that they verified the bankruptcy again through XXXX even after I provided them a copy of the report stating no bankruptcy records.
I never received a phone call or any written documentation from Company, I never such heard of Company until it was reported on my Credit XX/XX/2018. I have " NO CONTRACT '' with Company. Company need to provide me with a contract bearing my signature showing I have a debt with them
In  XXXX   XXXX  I moved from  XXXX    XXXX    XXXX   XXXX   XXXX  CA  XXXX . Not until late  XXXX   XXXX  did I receive a move out statement. Since this was well past the 19 day limit in my state I informed the compan y (   XXXX   XXXX   XXXX   ) th at not only did I not owe them anything instead I was due my full deposit back. Which they in fact did return within 5 days? I assumed the issue was closed. 11 months later I get a letter from a debt collector about the same matter. I write and called explaining this issue had been resolved. They ( debt collector ) proceeded to place this debt on all   XXXX   credit bureaus. I am about to be homeless because these jerks make it seem as if I was evicted or something. I did n't owe the apartment complex any of that money and had they been the ones fighting me on this I would have addressed each and every reason why their calculations were incorrect. But they did not choose to fight me nor have I been taken to court.  XXXX   XXXX   XXXX  is not a company. So basically this collection agency is collecting  for NOONE!
I received an Invoice from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, PHONE XXXX XXXX XXXX, FAX XXXX XXXX XXXX with the invoice number XXXX on the XX/XX/XXXX, in respect of shipping XXXX XXXX XXXX to XXXX XXXX and the amount due for the shipment is {$2800.00}. The banking detail information shown on the invoice is SUNTRUST BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX. XXXX, ROUTING XXXX, BENEFICIARY NAME. XXXX XXXX XXXX. On XX/XX/XXXX at about XXXX I went to SUNTRUST BANK located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX and made a cash deposit of {$2800.00} into the account information above. On calling XXXX XXXX XXXX XXXX for the confirmation of my payments, it was cleared that the invoice send to me via email has been hacked and the banking information modified. I quickly rushed back to SUNTRUST bank about this circumstances. After series of telephone conversations by the cashier who received the money from me, I was asked to come the next day which I did and nothing significant came up and I was asked to come the next day again which I did and it was that day, they said I should go to the Police for compliant. I went to the Police nearest to the bank, the officer at the counter said for the fact the I am residing in the county it 's the duty of the county police. I went to XXXX county police department and laid my complain. And this is the incident report number XXXX. I took the report to SUNTRUST bank with the hope that the report will oblige them to let me have my money back. They simply told me that they do not have the power to refund that money back to me. 
XXXX XXXX XXXX XXXX denied knowing the account information on that invoice that was send to me via their email. Please, kindly use your good office to intervene for me to enable me get my money. I have the deposit slip with me and the invoices from XXXX XXXX XXXX XXXX.
I had a USAA account opened in my name and was used for depositing checks and fraud. I Tried contacting the bank several times but the kept telling me to call back in three days. that was four years ago, the issue was never resolved and they told me i owe them {$11000.00}. because of this i am unable to open an checking account with any bank
We had a secured loan with One Main. We paid one off, and they told us they could give us a better deal by giving us an unsecured loan. We did n't know how much the interest was because they kept talking to us about how they would help my husband and I with improving his credit because he had an issue with XXXX. I was not employed but they used my better credit rating to give him a loan with us together. We never were able to see the amount on the loan with interest but since I had XXXX, had a XXXX visit thinking it was a XXXX XXXX last XXXX we ca n't keep up with the amount of interest that we are paying and we got behind on the payment amount because they are charging us over {$400.00} a month and we have nothing left for food or for emergencies. We do not get food stamps as we do not agree with doing that, we try to pay our bills. We have more than paid back our loan amount and this company calls twice a day to both of us. I have XXXX and do not even want to answer my phone since I have only been employed as a painter and the weather has been too cold to do that. It 's a reasonable amount of money but it is by the job and I have only a few hours in on the job since XXXX. One Main keeps piling on the fees and the amount owed and we can not catch up to what they say we owe on our amount owed this month. It 's showing near a {$1000.00} or probably more now. We have paid regularly to them but it is never going to catch up. We received in the mail a letter saying to come into the office and they would be willing to help us lower our interest rate, and they would help us with making our payment better. We called and made the appointment the night that the letter came in the mail and went in the next day. We were very punctual and tried to get our payment lowered but the only negiotating they did was to renew our information and they tried to get us another loan, which we did not want. and they ran the loan anyway but would not give us one.Unless we get the loan reduced to an amount we can afford we ca n't pay our bills or even go to the doctor or see a dentist with the amount that we currently have to pay. The offer we were extended after they told us that we were n't currently eligible for a 30 % loan rate was for us to pay an additional {$200.00} per month on top of the amount we were already paying. We are behind on our utilities due to trying to pay this large bill and we want to catch up on those. We will try to get a home mortgage if this One Main Financial has not totally ruined our ability to get a home loan. They also sent us to their good friend at XXXX XXXX to get a loan. Beware of both of them. We have been in contact with a lawyer and will be deciding what we need to do next. We have been called twice a day, both of us at separate numbers. We also were left messages saying we have to call the manager. They never said, " or Else '' but it was made to sound like it was call or else something bad will happen next.
I purchased a XXXX at a XXXX and signed up for the Best Buy Citi credit card. I was told that there was protection on the laptop, but when the laptop stopped working days later, Best Buy refused to honor the warranty and disposed of the computer. When I contacted Citi and explained the issue of the store not honoring their agreement and disposing of the computer, ultimately asking for Citi to issue a chargeback. Citi sided with the merchant ( Best Buy ) even after I provided them with an explanation and evidence of what had occurred. I later learned that the Citi representatives I spoke with during my dispute actually work for a call center devoted exclusively to supporting this Best Buy credit card. I feel that Citi sided with the merchant in this case because of their partnership with Best Buy, which I feel is unfair to consumers and creates a conflict of interest.
I've challenged the following accounts on many occasions, however the main 3 credit bureaus, Equifax, XXXX, and XXXX all responded by stating accounts verified. Well then the only thing I can request at this time before going to the FCTA, is the Method Of Verification should in order to close my initial dispute .Who did your company speak with, and what was the method of communication, was it phone, fax, email, text, fax, etc. And what was the date, time, and documentation that made you come to your conclusion. The accounts are, Account Resolution C, one for {$350.00}, and the other for {$130.00}. Nor do I have an contract with this company..please send me the Method Of Verification inwhich your decision was made.
I have had frequent problems with Wells Fargo. As a customer of theirs, after the Wachovia merger caused Wells to be my mortgage lender for my XXXX and XXXX mortgages, I have hit brick walls in trying to get my mortgage issues resolved with them. During the XXXX several years I 'd dealt with them, I had no problems. However, after XXXX late payments in XXXX and their still extracting funds from my checking account, I continued to make my payments in a timely manner. In XXXX XXXX, after my Chapter XXXX bankruptcy, I continued making my payments. I never reaffirmed the mortgages as they never approached me about doing so. In XXXX XXXX, they said that as long as I made my payments in the month they were due and the required amounts, the mortgages would continue. I kept my part of the bargain. Then, in XXXX XXXX, when I called to make my payments, they refused them saying they were NOT accepting any more of my payments. I asked why and the rep said it was a business decision. I asked what exactly that meant and even asked to speak with a supervisor for clarification. I was given no information. I hired a XXXX to help me figure out why they did n't want my money anymore. She did n't get very far with them either and I sent them a letter asking if they would reconsider letting me continue to make my monthly payments as I 'd done for XXXX XXXX years in this home. They never responded. I called them to ask about resuming my payments and was told by a CSR that they were n't allowed to speak with me. I let my attorney know and she wrote them a letter saying that she no longer represents me so they might speak with me. I called my attorney and met with her again as well as spoke with another attorney that she referred me to. They XXXX suggested that I file a complaint with the CFPB. I am really frustrated and just need resolution to this nightmare.