WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with BBVA Compass Bank in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting BBVA Compass provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.
XX/XX/XXXXI have notified this bank to stop all debits from this recurring XXXX fee, they did not. 
XX/XX/XXXX - I have notified this bank to stop all debits from credit matters, they did not. This is the direct result of my negative balance. Then they hit me with a monthly maintenance fee, which took another {$37.00} nsf fee..ridiculous. I also moved out of state and where deposits are hard to make since their system does not allow any kind of online payment/deposits. When I called customer services the representative could not help and I asked to speak with a manager and she says I am the manager and we do not reverse any kind of fees. And now my account is being closed and feel like I am a victim of bad business banking. I would like the 4 {$37.00} fees totaling {$140.00} refunded and I will pay the difference and they can close this account as I will never use this financial institution again for any services. Thank you
Well my bank still has not resolved my current complaint with your organization and now I have ANOTHER different issue with them. My dad made a XXXX deposit CASH into what was my savings account but it got switched to a secondary checking account because of too many transfers. This cash deposit was made on XX/XX/XXXX before XXXX. I transferred over XXXX of the funds to my actual regular checking account on XX/XX/XXXX, to cover a small debit purchase and a check for XXXX that my new landlord was holding for our security deposit. No checks were pending or presented on XX/XX/XXXX. Mid morning XX/XX/XXXX, XXXX the transfer from our one checking account to our other checking account of CASH was shown pending and tbe check was pending. Later that afternoon the check was returned even though the cash was in there and available because. I was even able to make my debit card purchase with the transferred funds on the XXXX. There was NO REASON TO RETURN THE CHECK and charge us XXXX fee. Also, dad told the bank teller he wanted the funds to go directly into our regular checking account but she placed it in wrong account. Further more we had to waste time and gas getting funds out by ATM to give a money order to new landlord. we now owe him a fee that his bank charged him. Additionally, we had to pay another XXXX stop payment fee, so we did not have more mess if his bank tried to redeposit it. The customer service lady claims that the stop pay is not guaranteed but took the money. It better be gauranteed and the check should have never been returned in the first place. Our bank notorious for this kind of stuff. Thank you.
In XXXX XXXX, we submitted a complaint to you ( case # XXXX ) about a wrongly reported open mortgage balance on our credit reports. That mortgage had actually been paid off in XXXX XXXX. Ocwen - the company that had reported the above on our credit reports - acknowledged their mistake and confirmed in writing that they would make the correction ( their confirmation # XXXX ). Until today, six months later, all three credit reporting bureaus still report that we were in serious delinquency in XXXX as a result of this. In addition, Owen 's telephone number provided in their letter ( XXXX ) is a marketing scam, set up to make any follow up as difficult as possible, intentionally in our opinion. 
Our request is for Owen to ensure that the credit reporting bureaus no longer report a serious delinquency on our reports due to their mistake. As a result of this we are unable to refinance our current mortgage at a lower rate with an estimated impact of $ XXXX over the next five years.
I have multiple dispute issues with XXXX, XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX TRANSUNION XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer.

Here is my dispute to XXXX, XXXX  and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX XXXX TRANSUNION XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX/XXXX and TransUnion {$0.00} Past due : XXXX and XXXX $ XXXX/TransUnion {$65000.00} XXXX shows that I paid on time for XX/XX/XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XX/XX/XXXXand XXXX or XX/XX/XXXXwhile XXXX clearly shows that I paid on time. Delete this account at once! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX/TransUnion and XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.
On XXXX XXXX, XXXX, I purchased iPhones online with PayPal with {$1200.00} with the condition of 6 Months No Payments + No Interest. PayPayl forced me to use PayPal card ( please see attached invoice note ), because other credit cards icons were not available when they were clicked. I did not like to use PayPal card because I lost XXXX % award, which I could always got with other credit cards. I believe PayPal violate the law to force me use their card. 
Second, I had never received any bills from PayPal until XXXX XXXX. PayPal billed on XXXX XXXX for {$75.00} for interest and late fee ( please see attached bill on XXXX XXXX, XXXX ). On XXXX XXXX, I called PayPal on a recorded line about the extra charges. Their representative, XXXX ( employee ID # XXXX ), explained that my new purchase on XXXX XXXX, XXXX automatically voided my 6 Months No Payments + No Interests benefits. I could not agreed with it, because 1 ) I was not noticed of it when I did the second purchase ( please see the attached invoice ) ; 2 ) I never signed any paper to void the first purchase benefits ; 3 ) XXXX purchase should have not done any things about XXXX purchase. They were totally separated and not related. 
Third, PayPal did not send me the bills in XXXX XXXX and XXXX XXXX, why I was subjected to the high interests charge and late fees? On XXXX XXXX, PayPal representative, XXXX, and his supervisor, XXXX XXXX, claimed their evidence for having sent me bills was they did not receive the returned mails. Their explanation is not acceptable, because no returned mails are never evidences for mails were ever sent out. I did NOT lose mails from other senders. The possibility is almost zero to lose mails from a same sender for consecutively two months. I do n't believe PayPal did ever send me bills in XXXX XXXX and XXXX XXXX. Let me tell you, I always pay off my credit card bills on time. You can check my credit payment histories with XXXX XXXX, XXXX, XXXX, etc. for XXXX. 
I sent dispute claim to PayPal on XXXX XXXX, but unfortunately, they refused to make corrections. 
Based on my experience, I highly suspect PayPal systematically manipulated the system : First, forces customer to use PayPal card with the trap of 6 Months No Payments +No Interests, Second, voids the 6 Months No Payments +No Interests with the excuse of a new purchase ; Third, do n't send out for 2 months in order to produce high interest rates charge and late fee charges. I believe I am not the only victim of their manipulation. I seriously request your authority to investigate my case and to stop PayPal wrong doings. I also claim {$500.00} compensation from PayPal for 1 ) refunding my payment of interests and late fee ; 2 ) damaging my credit ; 3 ) credit card award which I lost when I was forced to use PayPal ; 4 ) my time looking for solving this issue.
Over ( 7 ) years ago, I was an account holder with Bank of America. During said time I rented a vehicle from XXXX and paid for the car rental weekly. During said time, while traveling out of town to visit friends in South Carolina, a tire came of the resulting in a dangerous situation/accident. During which time, I did contact the rental company and notify them of the incident. My bank account was closed as a result. The XXXX rental alleged that I owed them for the vehicle, when I had insurance. They sued bank of America for the funds and they claimed to never have collected on this rental. To date I am unable to open a bank account with any bank based on incorrect information presented to the bank. I would like my rights to open an account with a lending institutions/bank restored. Including my car rental privileged.
I recieved a copy of a collections bill from Phoenix Financial Services and would like debt validation from them and XXXX XXXX I have been disputing the validity of this debt and it continues to not be validated.
This is a follow up on my case number XXXX. I would like to submit the attached documents showing my scheduled court date on XXXX XXXX, XXXX. XXXX has responded that they dropped the foreclosure case against more than a year I believe in XXXX XXXX. As you can see on the attached, there 's a scheduled hearing with the referee on XXXX XXXX, XXXX. I called and spoke to XXXX XXXX, Fiduciary # XXXX at XXXX XXXX XXXX XXXX XXXX, telephone # XXXX a couple of weeks ago and she told me that she was not aware that she was listed as a referee on my case. XXXX XXXX claimed that she does n't know why her name was listed as the referee and that it was a mistake and that she was going to contact the judge assigned to remove her name. Unfortunately, I have not heard back from her. Attached is copy of the notice. 
I 'm not sure how these documents are processed, but I truly believe there is something terribly wrong with this entire scenario. First, the law firm lied and claimed that they withdrew from the foreclosure case against me back in XXXX XXXX while the case is still listed as active and I had to appear in court just recently in XXXX XXXX. In addition, there 's a court date scheduled in XXXX XXXX, XXXX with a referee who claimed that she is unaware of anything and that it was a mistake. I believe someone is creating fraudulent documents and setting up consumers to lose their homes. I would like the law firm XXXX to send me an official notice that they have withdrew the foreclosure case against me and also to update the court records to note the case is closed or disposed.
I went to a XXXX XXXX in 2011 and defaulted on partial loan XXXX XXXX sold the debt to a add company called ad XXXX XXXX XXXX phone number XXXX XXXX have been trying to dispute it and remove it from my credit score due to length of time and they refused to remove has the debt has been paid by said company I feel it should be removed
I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX on XX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XXXX ( three months 2017 apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their funeral and I still have to get a head stone for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX certificate and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX certificate ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX XXXX. Also can you please have them stop reporting also until this investigation is resolved?
Over several months, I have been getting phone calls asking to speak with "   XXXX   XXXX   '' about credit management. That 's not me, and I 've never met a  XXXX . Every time I get a call about her I say, " I do not know a   XXXX   XXXX  . You have the wrong person. Please do not call this number again. '' However I still get harassed about this strangers ' credit card debt. The most recent call came from Midland Credit Management. The phone number that called me was (   XXXX   )   XXXX    I am not certain whether it has been the same company calling me in the past, or another debt collector, but they always ask for "   XXXX   XXXX   '' ( again, no affiliation to me ). I do not know how my phone number became associated with this account, but please help me disassociate myself.
XXXX continues to misrepresent my loan. On on the credit report 's they state that the loan has a 480 month term when the loan has a 360 month term they state that I 've been on the modification agreement since XXXX when the minute modification agreement began in XXXX in their transfer letter XXXX stated they would honor any modifications that XXXX had with us but Ocwen did and does not oblige by the rules that XXXX had for us that 's misrepresenting the loan. Ocwen continues to inflate the amount that was owed on the loan all of this I have evidence for. Ocwen XXXX on the credit report that they 've had the loan since XXXX but nova star was actually the place we opened our loan with then the loan was transferred to XXXX in XXXX The transfer letter states that I can receive the loan in XXXX and thus continue to misrepresent this date on XXXX credit report. XXXX escrow amounts do not match up with the previous servicers escrow amounts. Ocwen nor XXXX XXXX XXXX XXXX XXXX have submitted correct loan papers into the XXXX county land records. Ocwen is not helping and the loan modification process because they want us to pay an inflated price on the loan modification process and the inflammation of the price is around {$180000.00} meaning the modification they want us to sign is for {$330000.00} while we only purchased the house for {$180000.00} and we put an {$18000.00} down payment on the house and XXXX stated in the letter that our payoff amount in XXXX was only {$150000.00}. They are trying to get us to sign the modification under duress so that they can continue to try and foreclose on us. They state that the land was sold and transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX backdating to XXXX XXXX but the endorser on the note lost his job in XXXX XXXX and according to the separation agreement of XXXX XXXX that has been filed with the securities and exchange commission XXXX XXXX signature does not mind the company XXXX XXXX to any other lender I have proof of this which I 've used an evidence in court. Ocwen continues to not send monthly statements as required by regulation Z. They want us to say that we release of claims against them on a modification that 's over 200,000 the worth of our home
Equifax - Please do not simply delete the Pay History as you know, the impact to scores and ones report is harmful immediately. 

XXXX XXXX 1. Is showing on my credit reported as Opened in XXXX and Closed in XXXX or XXXX, which should be 1 month reviewed. 
2. The account has 27 months reviewed, which is inaccurate and impossible 3. The account also has Pay History from XXXX to XXXX - with an actual PAYMENT in XXXX - which we know is impossible for an account that closed with a XXXX balance 6 years ago. 
4. This account is incomplete and inaccurate. 
5. Please validate the account attributes, and update the Tradeline - or delete the account.
I noticed that there is an address associated with me and i have never lived in XXXX only in XXXX. So now i am concerned that i have all this bad credit and i dont know if its mine or is someone else using my information.
On XX/XX/XXXX I filled-out the " Annual Credit Report Request Form '' with all of the information filled out and submitted the form with the required copies of my SSN, XX/XX/XXXX Rental Agreement papers, and sent it Certified Mail Return Receipt Requested. On XX/XX/XXXX I received a second request form requiring : Full Name, SSN, Complete Address for last 2 years, DOB, ( 1 ) Copy Drivers Lic., ( 1 ) Copy Utility Bill. OnXX/XX/XXXXI re-submitted all of the requested paperwork, as requested, Certified Mail Return Receipt Requested again. On XX/XX/XXXX I received a third  request form requiring : ( 1 ) Copy of a Gov. issue ID, ( 1 ) Copy Utility Bill, Full Name, SSN, DOB, Complete Address for last two years. I have already sent all of the requested information in the last two request forms.
I have Creditor listed as XXXX XXXX XXXX of XXXX Florida on a letter from a debt collector ( XXXX XXXX at FirstPoint Collection Resources , Inc. located at XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX of XXXX are claiming that I owe them and have not listed the reason for this debt. 
They assigned this account number to me XXXX with FirstPoint Debt Collectors without any reason. 

I never called XXXX XXXX and when I try contacting First Point they just told me I had to pay for services I did not use. 

They charged me for {$990.00} and could not produce any evidence that I used their services
So I 'm still in school and not even 6 months after my anticipated graduation date did they tell me I had to start paying off their loan when I was told they would take 6 months after my graduation date when I was settled in with a job that I 'd pay. But now they 're constantly harassing my family and I are about payment.
I paid {$30.00} ( ACH payment ) to Citi  Double Cash  on  XX/XX/2017    over the phone using my checking account number and routing number and I received a confirmation number  XXXX . On  XX/XX/2017    I checked my account and no amount had been paid to Citi Bank. When I called  Citi  Bank they told it takes at least  one to three  business days to process! So I waited until  XX/XX/2017    and still nothing had been posted. I called  Citi  Bank and they told me they are still processing it. This morning of  XX/XX/2017    I received an email from  Citi  Bank that my ACH payment was declined by my Bank. I called Citi Bank but the lady I talked too was so rude and told me she can not even listen to me because I do n't understand english let alone banking procedures and hanged up. I called my bank to find out if they declined to pay  Citi  Bank. The lady told she does not see any record of it that Citi Bank presented an ACH. She advised me to call them again. I called them again and I asked them why my payments has not been accepted and why they are charging me {$25.00}. This time I asked to talk to a superviser but when connected the superviser hanged up on me. I called again and this I asked the lady to have a conference call with my bank so she can tell them that they declined the payment. Once connected my bank verified all the information which they had was correct but told them Citi Bank never presented anything to them and that the ACH would have gone through if they did. At this point the lady contacted her supevisor but the Citi Bank supervisor did not want to talk to us! She tried three times because I wanted to make sure I set the record straight. When she came on the Iine I knew she was the one who hanged up on me. I confronted her that she hanged on me. She however told my bank that the rounting and account number is not going through and that they have a problem with ACH payments. With that she said they can not even waive {$25.00} fee they had accessed on my credit account. We kept on arguing about this for a while until she said they will accept a debit card payment but they will not give a credit of the accessed fee. The debit credit went through but I am still payment Citi Bank {$25.00} in fees. I just do n't understand why. I need  Citi  Bank not charge me for their fault system which was not able to process the ACH payment.