WillisBack/dataset-financial-user-claim huggingface dataset:
TODAYS  DATE : XX/XX/XXXX   XXXX ,  XXXX   XXXX   SOC  SEC  #   XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  MIDWEST RECOVERY SYSTEMS,  LLC  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 ) A pplicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragrap h ( 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 MIDWEST RECOVERY SYSTEMS, LLC 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. 11-MD-2295-JAH-BGS, in the  U.S. District Court f or the    XXXX   XXXX   of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report  TODAYS DATE  XX/XX/XXXX   XXXX ,  XXXX   XXXX  SOC SEC  #   XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX
Creditor Contact Details :  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  (  XXXX  )  XXXX  Reporting to credit  X/XX/17    Negative impact to my credit by  XXXX   XXXX   XXXX .       I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts   XX/2017 ,  no response recieved.       CREDIT COLLECTION SERVIC  XXXX   XXXX   XXXX   XXXX , MA  XXXX  (  XXXX  )  XXXX  Reporting to credit  X/XX/2017    Negative impact to my credit by credit collection services.       I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts   XX/2017 , n o valid response recieved.
In checking my credit report, portfolio recovery had me dinged for {$280.00} due to a " XXXX '' account. I asked when this account was open, what the credit limit originally stated, and for an itemized list of charges. After being transferred to four different representatives and " managers '' I lost my patience and stated, " i will just go ahead and pay it in full if you remove from my credit report ''. Said representative agreed and we continued with payment. I paid the account in full - as soon as I received confirmation that the payment went through I checked my credit report and the balance still shows {$280.00} on transunion but {$0.00} on XXXX and XXXX. I then disputed the collections with each bureau and portfolio recovery DENIED removing the account stating that the information is " correct ''. Looking back at it, i should n't have given them a penny. Why? Because they could n't even verify the original debt and had NEVER sent me any mail/email regarding the account. This company records all of their calls so they should follow their word! Espeically considering they received {$280.00} from someone whom they could n't even verify. VERY DISAPPOINTED!
I sent Transunion CRA a identity theft report and letter stating I was a victim of id theft and referenced the fraudulent accounts. Under the FCRA 605B I asked that the fraudulent accounts be blocked and removed. Transunion notified me by mail that they were not going to honor my FCRA 605B request because they have determined that my request has either a ) been done in error b ) is a misrepresentation of material fact c ) you have obtained possession of good, services, or money as a result of the transaction issue.

I see no evidence that they have, for example, asserted that I have made any material misrepresentation. Transunion has not shown that my id theft report contained a material representation before they can legitimately decline to accept my id theft report.

I see clear basis for violation of the decline provisions under section 605B ( c ) and further indication of willful noncompliance, which subjects them to actual and punitive damages, and legal fees pursuant to FCRA 616.
Complaint involves an unauthorized transaction on my PayPal Account on XXXX-XXXX-18 in the amount if {$1100.00} ( {$980.00} EURO ). I recd a text from PayPal on XXXX-XXXX-18 @ XXXX XXXX  alerting me they discovered a suspicious transaction ( after making the payment ) and asking me if I authorized it. Less than 1 minute later I responded to the text advising I did not authorize it. On XXXX I called PayPal and spoke with a rep. who confirmed my complaint and advised I would not be responsible for the charge since I did not authorize the transaction/payment. Then I receive an e-mail stating they are denying my complaint based upon their investigation.
Someone has stolen items from my wallet and accessed my computer and/or home network and sucked almost {$8000.00} from my checking account via my debit card. As I have already told Scottrade, there are many people that come and go from my home on any given day. So, it 's likely one of these individuals is responsible for what has happened. Now, I 'm on XXXX and have spent the majority of my time in bed for the past 30 days. Because of this, I have n't been aware of what 's been happening with my debit card. 
Of course I complained to Scottrade who basically blew me off and did n't even look into the matter. They denied my claim in less than a week and gave me their reasons for doing so. Their reasons include that the IP address seems to be consistent ( no kidding, duh ), the Scottrade account was accessed over XXXX times in the past month ( not surprising for a crook ), and they sent a fraud email that someone replied to that said the charges were valid ( this was NOT done by me ). Now, because of these things, they just assumed I must have done it. The people " looking into this '' are either extremely stupid or extremely lazy! 
There are several charges from a XXXX that according to them has my email on one of their accounts. This might be true, but it does n't change the fact that I did n't create an account with them. I have n't used my computer in months and rarely use my email. But Scottrade refuses to listen. They just take the easy route. 
So I did my own research on XXXX and learned they are some kind of options broker. They are unregistered and unregulated which makes them illegal in the United States. Being a broker themselves, Scottrade should know this. Also, what reputable brokerage firm would accept credit/debit cards as funding options? This is clearly a scam! I am including an attachment from XXXX that states the brokerage must be registered with the CFTC and the SEC to operate in the United States. Otherwise, they are illegal. XXXX is therefore illegal! I sent this attachment to Scottrade who apparently did n't read it. So, if Scottrade ignores the fraudulent transactions based only on circumstantial evidence, they ca n't argue with the illegal nature of XXXX. They should at least reverse those charges!
Hello, XX/XX/XXXX my mortgage was reinstated from a foreclosure ... and I was told that if I make the payment in full what I owed that my mortgage company would wave all legal fees and reinstate the mortgage, I did so, then I made a regular mortgage payment the next month and everything was fine, then I got a call about a recording fee and I told my mortgage all fee were waved, they said to me since all fee were waved that I have to write a letter asking for this low amount recording fee to be waved also, I did, then later that month my mortgage company contacted me and said I owe a large amount in reinstatement fees, I said over and over again that I was told all fees were waved, they said they would look into it and get back to me { all phone conversations are recorded when my mortgage company calls } I told them talk to the lady I talked to and listen to recording but in the end my mortgage company has tact on what they say I owe on the end of my mortgage this is wrong they told me no fees and they went back on their word, please help
This citibank is a fraud bank and just trying to grab money from me. I always cooperated with their investigations. I never received any calls from Citibank regarding investigations. Citibank is just trying to put mud on this situation by pulling up two previous small charges disputes for which they gave me complete credits. One was from XXXX for napkins for {$12.00} and the other one from XXXX XXXX for {$45.00}. When I bought the napkins from XXXX for {$12.00} and I came out of the store, there were no napkins in the Bag and when I went back the store refused to provide me with napkins. 

Same thing with XXXX XXXX, when I went to the restaurant to pick up the food, they made me sign on the receipt and when I came out of the store, there was no food in the bag. When I received the XXXX anywhere Visa card it was mentioned in the disclosures that I will not be liable for the merchandise I haven't received and fraudulent transactions. Citibank is just trying to shrug of its shoulders. XXXX XXXX didn't even call me from the Executive Response Unit Department. The Citibank company didn't show me any proof that I made the purchase at XXXX. 

And what is the relationship between XXXX, XXXX XXXX transaction and the XXXX transaction? They also failed in telling me that I need someone to call me from Citibank at my phone number provided and ask any questions they have. I never received any call from citibank asking me any questions, they never did any kind of investigations and just making false stories to make money. 

I checked the Citibank Credit Card website and they blocked my Number themselves. When I went to change it, it stated that I can not change it and I need to call customer care. Its been one hour and I am still waiting for any customer care person to help me out. this Credit card company XXXX.
XXXX XXXX collection company says that I owe them a balance of {$440.00} from the original lender XXXX XXXX XXXX XXXX XXXX XXXX I had no idea what kind of Card I was aplying for, I thought it was a Gift Card I signed up for.
Opened a checking account from the bank with a promotion. Also confirmed the promotion/offer details with the phone representative when verifying application details. Met all the requirements for the promotion but did not get the promotion bonus.
NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Transunion should totally removed the XXXX XXXX XXXX XXXX derogatory reports instead of closing them and leave them till certain dates. Although, you have done your investigation and they should be deleted because the medical billing were not mine. XXXX XXXX, XXXX and XXXX XXXX XXXX are fraudulent companies and needs to be investigated further and their companies shut down. 

XXXXXXXX XXXX XXXX is a billing company and not Medical Center as mentioned by the XXXX XXXX XXXX XXXX XXXX 

I do not attend XXXXXXXX XXXX XXXX and owe no bills to them or anyone. 

XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX
I disputed this twice the answer they came back with was accurate and verified but who is verifying this? is isnt my debt i asked for discovery proof it is mine and yet no correspondence was sent in any event i no longer want to see who did this to me i want to see action against collection agency for violation of fcra requirements source recevables account number XXXX
A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under Stellar Recovery ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.
I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from TransUnion has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.
This account was previously with XXXX XXXX XXXX, account number XXXX in the amount of {$560.00}. I was never called by this company, they just sent a letter after it was removed from my credit report.
My Credit Report states i have a joint account mortgage with a company name Nation Star Mortgage out of XXXX, Texas, Acct # XXXX its showing a balance of {$98000.00}. I have no idea who opened this account nor do i know the location of this property. I have contacted this company directly and have been unsuccessful in trying to resolve this issue. This account does n't belong to me. I also disputed this account with the credit bureaus. i have submitted documentation that states I 've been victimized by identity theft.
Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records.There are 2 accounts reporting to Equifax which are fraudulent and I'd like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law and I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional and physical health.
LOAN WAS REPORTED LATE ; NEVER RECEIVED BILLING AS THE COMPANY HAD AN OLD ADDRESS ON FILE.
On XX/XX/XXXX I was having a XXXX. My Sister drove me to XXXX XXXX XXXX XXXX. The nurse came in and she took my information, and then came back to hook me up to an XXXX XXXX. I told her NOT TO because I can not afford it. The nurse laughed, and AGAIN I said DO NOT hook me up to the machine. This is an XXXX XXXX, I have had these before. I just need medication refills, and because I just moved here from XXXX, I do not have a Doctor here yet. The nurse told me she WOULD NOT put the XXXX on my chart, so I do n't have to worry about being charged. ( Not only do I have a witness to this, but I also recorded this appointment on my phone. ) Since this appointment I have been getting " debt collector automated phone calls '' at my parents home. I received a letter in the mail stating that if I wanted to " appeal '' and disagreed I would need to do it in writing. I DID. I also sent that via certified return receipt. ( which I have ) yet the phone calls are STILL continuing. 

I DO NOT OWE this bill, and I am NOT going to pay this bill. 
I paid my {$35.00} co-pay at the time of the visit. I was assured over and over again that the XXXX would NOT be billed, my insurance paid them {$140.00}. XXXX XXXX XXXX XXXX billed a total of {$300.00}. They claim I owe them another {$130.00}. 

PMAB LLC. is a harassing entity with many complaints on the XXXX XXXX site. I have responded in writing to them, and I have even told them my story with XXXX XXXX XXXX XXXX. I HAVE THE NURSE ON TAPE, A WITNESS, and I can identify the nurse who said the XXXX would NOT be billed ( it was routine?? ). 

I am Social Security XXXX, and I have a VERY limited income. This is why I told the nurse NOT TO HOOK ME UP to the machine. 

I ALWAYS pay my bills. But I DO NOT owe this one. 
( XX/XX/XXXX was when I sent my dispute to PMAB. ) I have ALL receipts, I have the Recording, I have all paperwork. 

I want this OFF of my credit report.
I have an online account on coinbase.com and sent XXXX euros to that company on XXXX XXXX 2017. 
Since then it is like my money completely disappeared, it was never credited on my online coinbase account nor refunded to my issuing bank account. 
Such delay is unacceptable and im starting to think that I was scamed and wo n't see my money again ...
On XX/XX/XXXX, Midland contacted me even though I have told them prior I owe no money. The first person did not identify himself at all. He just said my name, and I said yes, who is this? He then said I had a phone call and transferred me to someone else who again did not identify themselves for over a minute as being a debt collector.
I deposited {$500.00} in XXXX on a site called coinbase.com. 

Now I cant access my account it lets me login then it doesn't load anything and is unresponsive an has been doing it for weeks now.
Bank of America is taking my money by charging me with fees that are not explicable and they are adding them up and the more that they pull make fees the more money I lose and then they charge me more fees on top of that.
I checked my credit report in XXXX 2016, and noticed a collection account from IC Systems in the amount of XXXX, I have since found out that they are stating I owe for XXXX, I explained to them that I have never had an XXXX account and would like it removed from my credit report, I was never contacted by anyone in regards to this supposed account, and since the request I have not heard anything either. I have sent XXXX letters as well as emailed the company directly with no response.
Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit. Ive A Collections Notice On My Credit Report From Emergency Physicians Of MI, Who Bought The Account From Midwest Recovery Systems For {$510.00}. 
I Called The Company Requesting For The Original Document and Was Told They Are Not Allowed Too Give It Or Mail Any Information. 

I Have No Knowledge Of This Account and Im Asking You To Remove It From My Credit! Thank You! XXXX
The attached provides a general overview of the entire situation dating back to a wrongful default in XX/XX/XXXX, which I 've been fighting ever since. However this particular complaint specifically addresses an action taken by Bayview Loan Servicing , LLC ( BLS ) in XX/XX/XXXX. All details, dates and related documentation is included. The action referenced was a " secreted '' review for a loan modification pursued by BLS in direct contradiction to my direction ( provided to them on multiple occasions ). I briefly considered a loan modification in an effort to stop foreclosure action. However, because of an highly inflated balance resulting from the wrongful default, errors, payments not credited, etc. I 'd be trying to have reconciled since, I decided to try again to accomplish that before moving ahead with the modification. As such, I advised BLS accordingly ( XX/XX/XXXX ). I did not submit or sign an RMA application and did n't submit any required documentation. I was told during earlier discussions with a representative that to be able to discuss the options, I needed to sign a hardship affidavit and a BLS Information release, which I did. Neither authorized them to purse a loan modification. BLS has been building a case to withstand any opposition to foreclosure since servicing was transferred to them in XX/XX/XXXX. Details regarding its purposeful in action over five years is provided in the complaint. I have gone in circles since XX/XX/XXXX but did make limited progress until the transfer. All corrections and credits made prior to the transfer have been reversed without explanation and not a single identified error, questionable charge unapplied payment, etc. has been addressed. In fact BLS has not even acknowledged the problem despite 30 or so QWR 's and four CFPB complaints. In my case it 's resulted in inflated balance of somewhere around {$250000.00} over what I actually owe. With this action being so egregious, together with the thousands ( and growing ) of complaints against BLS with similar stories of BLS ' predatory servicing in your database ( and published lawsuits ), I 'd like to have the CFPB consider an investigation. They may not be as notorious as others you 've sanctioned, but they are equally destructive and devastating lives. I do hope you 'll consider this case seriously.
I have a problem with XXXX XXXX on our final bill. When I turned the car in, it was in perfect shape. I've always leased my cars ( 45 years ) and always turned them in in great shape. I've never been told I owe any thing for ware and tear. I was told by XXXX that I owed {$510.00} for ware and tear. They said I had an accident and I would have to send them the repair bill. It was repaired by a reputable company, so I sent them copies of the repair paperwork. They told me if I sent them the paperwork they would adjust the final bill. They said it was to old and they wouldn't except it. I told them it was from when I had the accident, and they said it was to long ago. They sent me a letter stating they would accept a lower amount, which I declined. By that time they had already ruined my credit. 
I not only don't owe the {$510.00}, I want my credit restored. It was XXXX before this.
a company in XXXX charged my CHASE debit card for a purchase I did not order or use. Chase refused to follow through with an investigation and ignoored my " VISA '' rights. 

XXXX XXXX in the XXXX california branch tried to help me, but CHASE would not help him either. 

Please help me get unauthorized purchase from " XXXX '' off of my account thank-you
In 2013, I lost my wallet in which my bank card was enclosed. Fraudulent activity occured on my account which placed my bank account in jeopardy. Filed a police report, stating my card was lost and that someone had charged my card in the amount of {$2800.00} dollars through credit. Notified BOA ( Bank of America ) of the transaction and submitted reference number from police report. Eventually my claim was accepted and BOA brought my balance back to {$0.00} or the amount that I had on my account orginally. My account was closed. Attempted to open up another account and BOA refused and told be to notify the consumer credit bureau under FDIC. Attempted to open up an account with XXXX Bank but they refused also.
Equifax did not implement Cyber Security Standards to protecting PII information resulting in the information being vulnerable to outside malicious attackers. This vulnerability was taken advantage of resulted in my sensitive information being compromised including but not limited to Social Security number, current and previous addresses and credit history. Equifax has not clarified the solution for this breach to the consumer community or highlighted next steps on how consumers can protect themselves aside for 1 year or free credit monitoring with the caveat in regards to their arbitration clause. 1 year of credit monitoring does not come close to mitigating or managing the damage that has been caused because of this.