WillisBack/dataset-financial-user-claim huggingface dataset:
7TH AVE ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear 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 7TH AVE 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 ( FCRA ). 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 including : 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 report Please send me a letter explaining what you have done to : 7TH AVE 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 request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
I supposedly wrote a bad check at a grocery store for my guess is around 100 $ in the year 1999. The garnishment order states that XXXX grocery has a garnishment order against me represented by debt collectors Newman and Hesse in XXXX Ks in the amount of XXXX, XXXX $ I was never informed or given anything to contest this issue. I think the garnishment order is way outrageous and I was n't given notice of any sort.
On the XX/XX/XXXX I applied and got approved for the American express platinum card that came with the bonus promotion promising XXXX membership rewards points after spending {$3000.00} within first 90 days ( see attached document 1 ). 
On the XX/XX/XXXX American express took XXXX membership rewards points away from my account ( see attached document 2 ). I received email explaining that my points were taken away and claiming that the points have been earned in inappropriate manner????? ( See attached document 3 ). 
I have called American Express to inquire about points adjustment, the agent stated that the points were clawed back because I have closed the card, and there is no way to get points back. I informed agent that there is nothing in Terms and conditions about removing bonus points if the card is closed. Next Agent helped me file claim/inquiry with American Express regarding the XXXX points adjustment. After speaking with XXXX at American Express Membership rewards department, she informed me that the qualifications were not met to receive bonus. 
When adding all my purchase minus fees and adjustments, and returns my total spends for first 90 days was {$3300.00} ( see attached document 4 ). 

Please add my purchase manually and deduct the fees, adjustments and returns and you will see that my purchases in first 90 days well qualify me for the XXXX bonus points. 
There were no fraudulent transactions and points were obtained in good faith. 
I honestly think this is computer error and it can be corrected if reviewed correctly.
Navient took advantage of me I have XXXX loads XXXX is Stafford unsubsidized the other is Stafford subsidized I could have been paying on this. But the staff employees told me it would be better to go into deferment. Also in ten years they said I would n't have to pay anything.
I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at XXXX. I simply want these inquiries removed from my credit report with all credit bureaus.
I was billed for this item. during the time I had XXXX and XXXX. They only billed XXXX which left me with a bill. I do not owe this. When I have contact them in the past they have been very rude and refused an explanation and proof.
In XXXX XXXX I visited the Citizens XXXX XXXX Branch located at XXXX XXXX XXXX XXXX in XXXX XXXX NY, XXXX. My intent was to do business locally and reinvest my XXXX which was initially $ XXXX but I had to pay $ XXXX in taxes when I withdrew the funds in XXXX. Final check received from XXXX was approximately $ XXXX. In turn, I made an appointment with the Financial Adviser at my local branch and met with XXXX XXXX XXXX. In meeting with him, I explained I had already paid taxes once on the funds and wanted to reinvest wisely. XXXX XXXX assured me the product being presented would make more money than a traditional IRA but was still and IRA. With not having any background in the financial sector I believed he was investing my funds to the best of my interests. In early XXXX when I met with my accountant she was stunned and appalled at the actions taken by XXXX XXXX. He has invested my entire retirement check into a non qualified account - an annuity. This has caused me to have to pay State taxes of approximately $ XXXX and Federal taxes of $ XXXX. I tried to speak to the bank about the matter and was disregarded and told I knew what I was investing in. My accountant then contacted XXXX XXXX to discuss. He stated I was in a hurry and insisted he complete the transaction. I went to Citizens as I needed a financial adviser which I could trust locally. I went to have them look after my best interests. This was not provided. I am in financial ruins due to the advice I received from Citizens bank. XXXX XXXX put my retirement into a non qualified account ( Annuity ). This was all the money I had saved in my career and {$10000.00} dollars had to be paid to the government on top of the XXXX I paid initially to withdraw the funds For the next 7 years I have to pay the IRS {$120.00} a month and since NYS does not allow a payment plans I had to withdraw the XXXX from savings to pay the state. It is now late XXXX and I was notified by Social Security that my monthly check will be reduced by {$75.00} due to the fact that the XXXX was viewed in my XXXX taxes as income. In addition, I went to my local town hall to submit my taxes for my senior property exceptions and was told I most likely would not qualify due to making XXXX in XXXX. This will add an additional {$200.00} to my monthly mortgage payment. I could potentially lose my home due to this investment. I feel XXXX XXXX unfairly sold me a product and was deceptive of the terms of the agreement and did not clearly explain the financial consequences. In XXXX of XXXX I did write a letter of compliant to Citizens bank and mailed to the president of the company certified mail and sent a copy of the letter to the Citizens financial office. I was contacted by an Compliance Officer and she stated an investigation would be opened. I received a letter shortly after confirming the conversation. At this time, not enough time has passed for a resolution but my concern is if I was deceived once it may occur again.
XXXX is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX/ XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to XXXX that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX payment due to my income based repayment plan. Seriously if XXXX the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.
I've had my loan through Navient for many years now and now my loan is higher than when I stared mainly due to forebearance. Interest accrued while on forebearance.
I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a XXXX XXXX  XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

XXXX XXXX XXXX ... .XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XXXX .... XX/XX/XXXX XXXX XXXX XXXX .... XX/XX/XXXX=XX/XX/XXXX= XXXX XXXX .... XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX/= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX=
My Mortgage was transferred in XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have continually asked them when they will start reportiing to the major credit bureaus as this is affecting my credit score and they will not respond or give me a positive answer after many calls and follow up. The customer service at this company is no where near the level of XXXX XXXX XXXX and seriuosly needs help.
My husband lost his job and I was unable to pay my credit card payment for some time. After my account charged off Capital One has sent my account to a collection agency XXXX Attorney 's at Law. I began making token payments every few months and I got a letter from XXXX stating that as long as I continued to pay according to the agreement that we had made they would not take my account to court. I have never spoken on the phone with them, I have never made any sort of arrangements with them. So I continued to make payments when I could, as much as I could. I did not get monthly billing statements, I did not even know what my balance was at any given time. In XXXX 2015 I did finally get a bill stating that I owed {$1100.00} on my account and for XXXX my husband paid off my account for me on XXXX/XXXX/2015. To my horror I just discovered that this firm has filed suit against me in court Case XXXX. To my knowledge my account, although previously charged off, should be paid in full and should be reporting as such to the credit agencies now. I feel that this is a violation of UDAAP as it was deceptive to pretend that they had entered into some sort of an agreement with me without ever speaking with me. I feel it is abusive to continue to collect a debt and even file suit against a debtor that has paid off their account. I feel that it is unfair to not send monthly billing statements to a customer and expect them to know what is owed on a loan. Service providers for large banks should be held to the same standard as the big banks.
On XXXX XXXX, XXXX I sent a letter to XXXX XXXX stating I called XXXX XXXX thru XXXX XXXX requesting my account be cancelled. I was n't able to cancel service myself with XXXX, due to their policy. I was able to cancel my service by turning off my XXXX and putting it another name, XXXX allowed this only because of my complaint. I requested a refund for the months mentioned for the difference between XXXX 's rates and XXXX rates. I also stated I wanted the following amounts paid to XXXX by XXXX:XXXX accounts reported on XX/XX/XXXXOpenAccount # 1 $ XXXXBalanceXXXX XXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXOpenAccount # 2 $ XXXXBalanceXXXX XXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXAccount # 3 $ XXXXBalanceXXXX XXXXOriginal Creditor $ XXXXI contacted the creditor back in XXXX, XXXX sending in all documentation showing I have been disputing this issue. I received no response, I only know that this issue is not being resolved because this is now on my credit report, was put on credit report XXXX XXXX, XXXX and XXXX XXXX, XXXX. I made it very clear to XXXX via phone and correspondence I attempted to cancel my account for five months because it was very obvious I was being overcharged XXXX XXXX I submitted a complaint to XXXX XXXX XXXX 's ofice, XXXX XXXX XXXX XXXX .I filed a complaint with the NYS Public Service Commission XXXX XXXX, XXXX. I am refusing to take financial responsibility for a company that would not cancel my service and overcharged me for over five months.
On XXXX/XXXX/XXXX I closed my business checking account with BBT account. I drove to XXXX XXXX. I received XXXX after it was closed in cash year checks. I now i had more money in the account then what was givn to me. i asked about my money. as was told if any other money come into my account it will be sent back. Will as of XXXX XXXX I received a letter from BBT BANK stating my account XXXX is over drawn XXXX please add money tomyour account to bring it current. I now who did it I can prove it was not me. I also told that the my money add up too XXXX or better. My name was used to open other banks that I did n't opened. This money was my business start-up loans that I got approve for. i was told the account had checks that was written out of. And was written fom XXXX XXXX. I was also told, it is more than one person 's that is involved. I did not do this, it has affected my company, I cant afford my companys operation expense bills payroll, and my life. Please help me.
On XXXX/XXXX/2015, I attempted to access my credit bureau with Equifax due to an identity theft issue. Specifically, I wanted to make sure they still have a credit freeze on my bureau, and if an account had been opened in my name, I would need to dispute it. While I was able to access my bureaus with XXXX and XXXX, Equifax stated I would need to send in a copy of my driver 's license and social security card, because the information verified did not match my file. I know what I entered was accurate, and I believe they just are not willing to provide it. I 've had this problem before with them. 
Thanks for your help.
In XX/XX/2016, I ordered XXXX dog pillows from XXXX online. The items were returned because it was not what I expected. I paid out of pocket to have the items returned because I did not want the credit card ( Comenity Bank ) to be charged. This transpired less the 10 days from initial order. The credit card sent me a bill because XXXX did not report to the credit card the items where returned within the time so not to get a charge from the credit card. I was not successful when I tried to get this error resolved. Comenity Bank representative advise me to pay them although I did not have the items. This situation is very discouraging because I returned the items within the time so the credit card would not be charge, as well as the credit card fees for items that where returned.
Commonwealth financial services continues to report me to XXXX, XXXX, and XXXX via XXXX XXXX XXXX XXXX. I dispute the report and each time the reports were removed only to reappear with a different dollar amount owed. I believe I 'm being targeted as identity theft, fraud via cybercrime
US Collections West is currency reporting on my credit report fraudulently in the amount of {$2400.00} as of XXXX XXXX, 2018. Ive made several attempts notifying them that this account needs to be deleted. I obtained documentation from XXXX XXXX Courts stating that the file was destroyed and I owe {$0.00}. The documentation will be attached to this complaint.
This debt has been court ordered 2 be paid by my x Husband which he agreed too in our settlement XXXX/XXXX/XXXX. I have court documents to support this as the XXXX in nature and of which he plead guilty to XXXX/XXXX/XXXX
on XXXX/XXXX/16 i purchase a MONEY GRAM from Money Gram Inter. The person i sent it to did not get it and when i phone the company for a status i get the run around. The company states that my transfer is under review and no one can give any answer to when or how my money will be available. This is not right for Money Gram to hold my money for any amount of time and i am unable to do anything about it.
In XXXX of 2016 I signed up for Citi Bank Citigold checking account. On the webpage from which I applied it stated I would receive a bonus of XXXX XXXX XXXX miles if I meant the following requirements : 1. {$1000.00} in debit card purchases 2. Processed at least XXXX bill payment for two consecutive months. 
3. Kept the account open for six months. 
On XXXX XXXX, 2016 I messaged Citi to confirm I had meant the first XXXX requirements. They responded and confirmed I had meant the requirements and I would receive the bonus after keeping my account open for six months which I did. I payed a {$30.00} a month fee. Citi informed me on XXXX/XXXX/2016 that I was no longer eligible for the bonus and would not receive it. This is a classic bait and switch.
Co signed loan for nephew. He repeatedly fails to pay. XXXX had his employment and contact info but harass me daily with calls every 1/2 hr. How can they be forced to contact 1st signer and make repayment demands?
XX/XX/2018 Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received. 

I received a cancellation of debt notice from XXXX , XXXX dba XXXX XXXX , XXXX in XX/XX/2018 indicating that a debt that I supposedly owe XXXX XXXX had been discharged in the amount of {$1200.00} dollars. 

On XX/XX/2018, I sent a letter along with a copy of the cancellation of debt notice to XXXX , XXXX dba XXXX XXXX , XXXX disputing this alleged debt and requested validation of the debt. Thirty days passed with no response from them. After failing to respond to my request, a second request for validation of the alleged debt was sent on XX/XX/2018. I included a copy of my previous letter, a second copy of the cancellation of debt notice, and a copy of the mail receipt showing that XXXX , XXXX dba XXXX XXXX , XXXX received my first request for validation of debt letter on XX/XX/2018. 

XXXX , XXXX dba XXXX XXXX , XXXX responded with a letter and a copy of a check that I supposedly signed and cashed ; however, after carefully reviewing the check, I still disputed the validity of the alleged debt. The check states that a Payees endorsement and 2 forms of ID are required. XXXX , XXXX   dba XXXX XXXX , XXXX did not enclose a copy of the 2 forms of ID used proving that I indeed endorsed the check. Identity theft is rampant in the world that we live in today, and a signature can easily be forged by anyone. 

I am requesting that this item be deleted immediately from my credit file because XXXX , XXXX dba XXXX XXXX , XXXX has failed to validate this debt. Please send me an updated copy of my credit report reflecting this change. 

Sincerely, Enclosure
XXXX representing capital one bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.
My ex husband lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX has for atleast 8 years. 
he opened a XXXX account under my name owing XXXX $ now on my credit.. 
The address above is on my report and so NOW is his delinquent account. I want it removed as he had NO PERMISSION to use my name as I have a perfect record with XXXX for 7 years at my address of XXXX XXXX XXXX XXXX NH ... I have spoken with XXXX who knows that this was fraudulent..They stated my ssn is NOT on that account as it is NOT mine.
I have complained 2 times before & the last time did not know if it went through. 
I have not been able to access my e-mails since XX/XX/XXXX.. I am scheduled for a summary judgement tomorrow & yet the mortgage company has falsely denied me a loan modification of which I a very capable of paying. 
This has been over 3 yrs & was with the previous lender- XXXX . then Nationstar became Mr. Cooper & they have FALSELY failed to apply all of my income & put false fees in with my expenses- I have NEVER paid self- employment taxes on my rentals. They lied & stated my application was incomplete & it was NOT. I filled out loan modification papers at least 7 times. They are deliberately denying my modification. They failed to apply my mortgage payments from XX/XX/2015 of which I made. I have lived at my home for over 23 yrs. & am XXXX & XXXX yrs. of age.I have done EVERYTHING required & never been denied a mortgage before & did 3 other loan modifications with another company & all has been fine.when I was ill a few yrs. ago. This all started with one late payment & now they have ballooned it to this point. I appealed the denial & they have ignored me. PLEASE HELP ME!!!! Thank you
I was paying my payments for the car at first for the first four months until I was fired from my job due to me being in the wrong place at the wrong time. I struggled all year to find a job while XXXX my grandmother due to XXXX XXXX, and I tried to reach out to Westlake Financial for some sort of help on lighting my monthly payments. I did not get in contact with Westlake and nor did they seem like they would be interest in helping me.
this is a new, and continuation of previous complain about ( bank of america mortgage line of credit loan # ending XXXX ) company contacted me but as soon as my complain was closed, they dropped the ball, waited called waited few days before they finally call me, but my questions have not been answered, please do n't get me wrong regulatory complain person, XXXX XXXX, is a very nice person, it 's too bad that I got no where with information that her team provided for me, example to give you reading this, I got little to none answers considering how long it took there team to get back to me, and the information they have does n't agree with what I have, unless, am missing something? and I would not be complaining again if they would not be so mysterious about answering my messages, It 's has become clear to me that bank of america is not working with facts my credit line for example, was never up to the limit of XXXX as a matter of fact, it was XXXX and later reduced, drastically with the mortgage crises of the 2008, and let me give you one more example my XXXX system is telling me that am taking to long so I will stop here,
I have a " hard inquiry '' reported on my TransUnion credit report that I did not initiate. It was reported on XX/XX/2018 by : XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX