WillisBack/dataset-financial-user-claim huggingface dataset:
CENTRAL FINL CONTROLACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX, CA XXXX : XXXX FAX : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SEC # XXXX DOB XX/XX/XXXXADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Transunion has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
I have auto payment set up with my credit union to pay my mortgage loan service company. I saw online at the credit union website that an attempt failed on the mortgage payment but it looked like enough funds were in place for the payment. I called the mortgage company and they reported the payment was cleared so I thought the check cleared. If they would have reported a returned check I would have paid on the phone on the XXXX of the month. Meanwhile payment is considered late on the XXXX of the month. Later I saw the check was returned but by this time I was past the grace period and had to pay a late fee and returned check fee.
Re : XXXX/XXXX studies at the XXXX XXXX XXXX XXXX ( XXXX ) / DOE Code : XXXX / ( XXXX ) - address XXXX. XXXX XXXX, XXXX XXXX, XXXX. Since DOE revoked the eligibility of XXXX, I applied for DOE deferment ; it was denied. Myfedloan then put the loan in IDR. Now Myfedloan put my IDR on hold. I can not make any payment, at this time. After XXXX lost its DOE eligibility, some of my colleagues did not complete MD and dropped out and became a member of " Wasteland of Education ''. I worked my way around this unjust system and found grant donors/loan lenders from XXXX to continue to study at XXXX. The education is valid within the entire XXXX and eligible for certification by the XXXX XXXX XXXX XXXX. Now I am doing XXXX in XXXX together with PhD in XXXX XXXX. I prioritize finishing the education started. The money I earned here is barely enough to pay my cost of living and studying over here. I can not make any payment to MyFedloan. Without at least IDR, this loan account will end up in unsuccessful collection. I need 4-6 years to finish. Then you will get your money back!
I sent in payment for my car loan in XXXX 2012. American Honda still chooses to claim it was charged off. I paid it not charge off which is on my credit report. That needs to be changed. I have the title hence I paid it. Think they are angry because they wanted the car to sell to make more money.
I deposited {$300.00} on XX/XX/XXXX into XXXX XXXX for {$250.00} worth of Bitcoin and  {$50.00} worth of XXXX Cryptocurrency. Then on XX/XX/XXXX I tried to deposit {$300.00} more via bank deposit but was denied. My account recorded a negative balance of - {$290.00}. I then did a bank Transfer on XX/XX/XXXX for {$300.00}. My account still says - {$290.00} and they say I need {$300.00} more to be at XXXX balance.
Iam filing this complaint becUnder Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.Under Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.beacuse Equifax ignored my request to provided me with the documents that their company has on files that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. 'that i have disputed.Please resolve this manner as soon as possible.Thank you.
Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been o ver 3 weks since they said tehy ha ve
i was going to a XXXX, that was located in XXXX in XXXX, Ar. and they were using my XXXX insurance i paid the estimated out of pocket the first date i had the treatment. couple months later, this branch had closed i didn't need anymore treatment. 
i had to move to another location because i had some plumbing problems at my house. so i had to move out temporary to my sister in law house. and i forwarded all my mail to the new address in XXXX since i left which was in XX/XX/2017. in XX/XX/2017. i saw a collection on my from professional XXXX XXXX that was oppened. i called them the same day and i told them that i was never notified of this and that i have money on my health spending account. and i don ;  t understand why they didn't contact me or send me a letter informing so i can make the payment. 
they advised that if i make a full payment of the XXXX dollars. they will remove it. i paid on the phone right away. 
they never removed the collections from my 3 credit bureaus. i disputed the collection with each of the credit bureau. it was removed from XXXX, and XXXX. but they don't want to remove it from XXXX. i have never owed a bill to anyone and i paid religiously all my bills i disputed this collection with transunion multiple times. and they keep telling me that creditor said that it's accurate. 

i'm reaching out to you guys to please help me remove this from my credit score. i always paid all my bills i'm never late. i'm a young person working hard to finish my degree and success in life. this is not fair. these credit companies are treating humans like insects we all deserve to be respected and this people are extremely rude and not helpful at all. they hang up the phone on me everytime i try to call them to correct their mistake.
I was pre-approved for a conventional home loan XX/XX/XXXX by All Pacific Mortgage. I provided bank statements, pay stubs, and showed adequate funds for the down payment and closing costs. At that time I was XXXX. I did not find a house to purchase before XXXX. I then found a house XX/XX/XXXX. My pre approval letter expired while I was XXXX. My realtor spoke to the lender who sent me a new pre approval letter since my employment, income and savings had not changed since I got the last letter. The seller accepted my offer but on Thursday XXXX XXXX 2015 I received a phone call from the mortgage broker. He stated that the underwriter and banks will not lend to because I am on unpaid XXXX and I will not be getting paid for XX/XX/XXXX and XX/XX/XXXX. Then the broker stated that they would consider lending to me if I returned to work and ended my maternity leave early. He also spoke to my realtor and stated the same facts. I never received an email or any other form of written communication from the mortgage broker about not being eligible for the mortgage loan due to my XXXX status.
XX/XX/XXXX my husband and I started working with Crefco financial located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. XXXX XXXX was our loan officer and originally pre approved us for a Usda loan ... We signed our agreement with the realtor and home owner in XX/XX/XXXX paid for and had appraisal done in XX/XX/XXXX and was told repeatedly we were closing soon ... By XX/XX/XXXX we were told we did n't qualify for Usda loan but we could get Fha loan and close it by XXXX so we started Fha loan and once again had to pay for new appraisal for Fha loan ... This does n't include all the the times we had to update purchase agreement and tons of other paperwork. By XX/XX/XXXX the home owner ( understandably ) was ready to walk so we had to fire Crefco and go with another lender who closed on our home in thirty days ... But no thanks to Crefco because they refused to release the Fha loan number to our new lender which held us up even longer. My main reason for reporting this company is I do n't want anyone else have to go thru the mess and disappointment that my family went thru. They took my dream and absolutely turned it into a nightmare. If you need to contact me please send me an email to ... XXXXXXXXXXXX ... Thank you
I recently pulled my credit report from Equifax and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.
ACCOUNT HAS BEEN CHARGED OFF, XX/XX/2014 IN THE AMOUNT OF XXXX XXXX IT STILL SHOWS ON MY REPORT, REACHED OUT TO THE COMPANY WITH NO RETURN RESPONSE
The following accounts are not mines and according to the FCRA law they should be removed. I never once was provided with any physical verification of these accounts. I'm asking to be provided with physical documentation or as it is written via the FCRA law, remove and/or block from my report. False information is hindering me from buying a house. No credit agency shall report information without providing physical documentation. Please remove/ block the following accounts from my report.. 
1 ) XXXX XXXX, {$1200.00} 2 ) XXXX XXXXXXXX XXXX, {$350.00} 3 )  XXXX XXXXXXXX XXXX, {$130.00} 4 ) XXXX XXXX XXXX, {$750.00}
What has happened to common sense and integrity? 

I have an XXXX miles card in my name opened in XXXX 2017, through Banco Polpular de Peurto RIco. 
-XXXX, 2017 the risk control department placed a restriction on the card and requested a copy of my passport and XXXX utility bills. I requested why and XXXX explained the IT tech department can not identify my address provided on original application ( XXXX Mi. XXXX. 
( This address does confirm on my credit reports as a current address ). XXXX lied, she deliberately provided me with false information. However, I want to stress it is not XXXX fault for lying, as this is the standard procedure of Popular Banco -The truth is ; a Risk Control employee believed my account was opened as a result of identity theft. The problem is ; Some employees ( particularly the ones with a low self- Esteem or insecurities do not like to admit they were wrong. 
Further facts : 1. A risk Control employee requested I answer numerous security questions to identify me. I answered approx.. XXXX correctly and without hesitation. 
2. The email used is my email, in my name and has been active for years 3. Banco Popular de Peurto Rico 's, risk control department decided to call an alternative phone number, I did NOT authorize and not provided on my application, therefore reached a family member who I do not get along with. This family member provided the Risk Control rep. with false information, but has never provided documents to support their identity. 
4. Alternately, I have provided every document requested and more not required for the purpose of clarifying this issue immediately. 
5. As of XXXX 2017 the restriction continued although all documents have been received weeks ago. 
THIS NEXT ISSUE IS VERY INTERESTING : 6. On XXXX 2017 I contacted the Risk Control department again. They placed me on hold for 20 minutes, a few minutes later the alternative number at my home rang, but this time I am home and watching my brother-in-law who would not answer it with me around for obvious reasons. The risk control rep. came back on after the lengthy hold, I figure I would play along to see how many more lies they tell. Like clock work, the lies began again. The Rep. said another risk control agent would get beck to me later that day. 
7. Therefore, I decided I have had enough and requested a cease and desist order. I informed the rep. all future dialogue was to be done through email, USPS, XXXX. So all facts going forward where clear. I also emailed them this request. ( attached ) Additionally, since Popular Banco de Peurto Rico believes this account is or could be the result of identity theft, why are they reporting it to the credit bureaus?
Have filed numerous complaints regarding this same account showing on credit report that is not mine ... .yet XXXX and EQUIFAX STILL continue to list it as mine ... ..company admitted they DID NOT HAVE A DOCUMENTED CONTRACT, NOR DID THEY VERIFY WHOM OPENED ACCOUNT ... ... .so I am still wondering how XXXX and EQUIFAX " verify '' an account that was not opened by me. How is an account verified ... ... WITH NO CONTRACTS? So again ... ..I ask for a CONTRACT!!!!!! Stop telling me you verified an account that does not EXIST!!!!!!!! 

CFPB ... ..stop saying this is a duplicate ... XXXX.YOU ARE THE ONE THAT ASKS IF WE WANT TO SEND TO OTHER CRA!!!!!! SO SEND IT! 

XXXX and Equifax has done nothing to remedy the issue!!!!!! Removing historical information on an account that is not mine ... ... does nothing to solve the problem!!!!! REMOVE THE ENTRY!!!!!!! YOU ARE RESPONSIBLE IN THE END FOR LISTING INFO THAT IS NOT MINE, and purposely harming me!!!!!!!!
i opened an account with paypal after the account was opened i was supposed to receive a payment from a friend i never got the payment so i decided to add money to the paypal account myself on XXXX/XXXX/2016 after the funds was added i received a called from paypal to verify that i had added the funds to the paypal account i confirm everything with paypal then minutes later i didnt have access to my account paypal refuses to give me access to my funds saying it will be on hold for 180 days i have been trying to call paypal and i have been sending emails..i dont care to have a paypal account i just want my money back and they can close the accounts
I've disputed this twice and I believe that whomever is working the dispute is not paying enough attention to the dates and what I am requesting. Yes they have helped me with some and thank them very much because some information has already been fixed. From XXXX through XX/XX/XXXX it shows my loans were current and in good standing. What I don't understand is how does it go to 60 days in XX/XX/XXXX if they are current in XXXX? The same goes for XXXX and XX/XX/XXXX shows current but XX/XX/XXXX shows 60 days late then XXXX shows 120.  How is this possible if they are current one month then go 2 months late? Someone please read this accordingly and assist me?
To whom it may concern, Through the dates of XXXX and XXXX of XXXX we decided to sell our home in XXXX which we had previously bought through the same lender/broker, cherry creek mortgage ( XXXX XXXX ) also using same realtor ( XXXX XXXX ). 
We bought our house in XXXX for the first time using FHA Loan back in XXXX due to a forclosure back in XXXX. 
In XXXX we decided to sell that house bought in XXXX and buy a bigger one. 
We decided to go with the same company, cherry creek mortgage, due to them knowing our history and everything worked out well the first time. 
We sold our home and got " approved '' by our broker, Cherry creek mortgage and found a new home we wanted to move forward with. 
Paperwork was signed, inspections were done, fees where payed.

Then, 1 week before closing, Cherry Creek mortgage said that the deal was not able to happen since there was a forclosure from 7 years ago. 
Therefor we didnt qualify for the conventional Loan we had previously been " approved '' for. 
We had sold our house with them already and were waiting to close on the new one so we could leave the house to the new owner.

Then one week before closing XXXX told us that we couldn't buy the house we had already signed paperwork for and done inspections on because of the forclosure which they should've had known from before since we worked with them before and they knew our situation. 
We had to find a house to live in within a week ended up paying over {$20000.00} in rent and renting a home when we aimed to be owners not renters. All that money could've gone to our new home as the monthly mortgage payment. 
We ended losing money and time on a situation that could've been anticipated since we had previously worked with them and they had the information needed as well. 

XXXX XXXX from Cherry Creek mortgage made is lose our home and money. All of it could've been avoided. I do not even understand how we got to the end of the process if that was an issue from the beginning. It all seemed very confusing and not transparent at all.
Regarding : Citi Platinum Select Account ending XXXX, Citi Simplicity Account ending XXXX. 

I lost my job in XXXX and due to not being able to find a new job, I became XXXX. 

I was the XXXX in XXXX Pa. 
I was a XXXX accredited member with an A+ rating. 

I made a few late payments to Citibank, this put me on their automatic dialer Collections list, the phone calls never stopped even though I was making monthly payments. I sent them a Cease and Desist letter XXXX XXXX, XXXX but the phone calls never stopped. Citibank claims the letter was never received. 

I claim Citibank is guilty off unethical debt collection practices. 

In XXXX, XXXX, a XXXX. I was unable to do ANYTHING for the better part of a year. 
I have medical documentation of the injuries to prove that I did not make false claims regarding said injuries. 

During one of the many phone calls, Citibank was informed of the injuries, I said that I had every intention to pay my bill but am unable at the present time, I need time to recover, asked them to stop calling and reminded them of the cease and desist. Citi was calling me several times per day, to the point that I would answer the phone and say " I 'm sorry, but my situation has not improved since I spoke to you 2 hours ago ''. 

I reminded them of the Cease and Desist, and they said in a letter from the office of the president, dated XXXX XXXX, XXXX and signed by XXXX XXXX from the Executive Response Unit, that the Cease and Desist was never received, but the calls would stop for a 14-day period. I have documented proof that the calls still did not stop during the 14-day period, which can be backed up by Citibank 's own phone recordings. 

XXXX XXXX, XXXX I sent Citibank another Cease and Desist. The calls never stopped I have documented over 50 calls that were made during and after the 14-day period that was promised ( time, date, employee name, employee identification number ), and after the 2nd cease and desist letter. 

It is highly unlikely that using the same mail system that Citibank uses to send bills to their customers, neither of two letters sent to Citibank reached their destination. 

I filed a complaint with the XXXX, enclosed a copy of the Cease and Desist, which was forwarded to Citibank by the XXXX of New York. 

The phone calls stopped. 

I was satisfied. 

Then Citibank waited 1 year for the statute of limitations to expire on the Fair Debt Collections Act, Violated the terms of the Cease and Desist, transferred the accounts to an outside source ( Debt Collector ) and now this nightmare has started all over again. 

If an individual harassed another individual the way that Citibank harassed me and my family, the individual would get arrested, and have a criminal record that would prevent the individual from exercising one of our Constitutional rights
I have a derogatory mark listed on my all 3 of my credit reports listed by a company name of XXXX XXXX XXXX. I do not and have NEVER had a contract signed with the listed company. According to my credit report the company is a third party collection agency for XXXX XXXX. By Law a third party company can not collect on a debt that is not belonging to them, so therefore it is requested that the debt listed in the amount of {$850.00} be removed from all 3 credit bureaus immediately. The company has failed, lacked to provide documents of the validity of the debt with their office and being that they can not provide a validity of the debt with them XXXX XXXX XXXX, the debt must be removed along with all call to cease!! I do not have a contract with XXXX XXXX and as a third party collector they can not collect a debt that is not owed to them!!
XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM ACCEPTANCE NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.