WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I attempted to change my address three times with Citibank. I wrote the change of address on the mail remittance. They cashed my check but did n't change my address causing me to get late fees. When I called them, they offered to credit some of them. It seems like a scam to get extra fees by not changing the address.
I had a second mortgage with Bank of America that was forgiven under a settlement and I had read that it should show on my report as paid and closed I received a letter dated XX/XX/15 this was going to happen. When I tried to refinance with my mortgage company they said it showed on my report as a short sale which created a big issue. Also when I get my free reports I do n't even see it on there but XXXX XXXX saw it. I need to get this fixed so it says paid and closed and not as a short sale or I will continue to have this issue. Thanks
These people are repeatedly calling me without leaving a message as to whom they are. I only found out they are a debt collection agency by calling their number and hearing a recorded message. The one time I did answer, the lady just said my first name but did not announce who she was or whom she was with.
CFPB, I lost my job back last year and my unemployment ended so I had no income at all and fell behind on all bills and Nordstrom credit just kept piling on fees, so no way I can pay it. I am twice XXXX and insolvent. I sent a cease and desist letter to Nordstrom through IL Attorney Generals office months ago and now they sold the debt to a crooked collection agency ( XXXX XXXX/XXXX XXXX ext.XXXX ref:XXXX ) who is harassing me by phone and mail!!! They are intentionally breaking the FDCPA!!! Please enforce the laws!!!! 

Thank you, XXXX XXXX XXXX
I used the Western Union website on XXXX/XXXX/15 to send {$2900.00} from my bank account to me while I am in XXXX. An email from Western Union on XXXX instructed me to send the money via WUPay, which I did. My bank account was debited on XXXX and my account statement shows the payment to WUPay. Since I had another email from Western Union on XX/XX/XXXX that they had not yet received the money, I called them on XXXX. The agent told me that she had to have someone investigate this and I would get a response by XX/XX/XXXX. Nothing. On XX/XX/XXXX I received an email from Western Union stating that they were cancelling the transfer at my request. I never made this request. As I was travelling when this email came in, I called them on XX/XX/XXXX and spoke to XXXX in Agent Support. Eventually she told me that this needed to be referred to an offline compliance department to investigate and they would get back to me in an hour or XXXX. It has now been almost XXXX hours since we spoke and I have received neither a telephone call ( I gave her my current number in XXXX ) nor an email. I have tried calling again but the lines are going into a hold pattern with no indication of how long my wait might be. I ca n't afford to do this on an international call. It 's now been two weeks since my bank delivered the money to Western Union. Where is it? Why ca n't Western Union confirm they do or do not have it. I need that before having my bank go chasing the funds from their end. I need a response. I should have received my funds at least ten days ago!
Sagestream LLC is apparently a company that calculates your credit score. They 're giving people ( including myself ) lower scores so that banks can charge a higher interest/APR. My credit score with all three credit bureaus is XXXX. Theirs XXXX. Please research this company for fraud.
I purchased a car earlier this year, using USAA as my finance company. I was given a 13 % interest rate for the loan. They explained this was because I had quite a bit of outstanding debt on my credit report. I was told that if I took care of these debts, I could refinance at a significantly lower rate. In turn, I sold my motorcycle and other items to pay these debts off. At the time I purchased this vehicle, I was just a couple months away from deploying overseas. They told me if I send a copy of my orders, they would lower the rate for the time I would be gone. After sending the orders, they denied lowering my rate, stating that it does not apply to me. After paying off my outstanding debts, and trading in XXXX other cars for XXXX, I greatly reduced my monthly payments and obligations. I then attempted to refinance the vehicle to get that better interest rate. They then offered me a new rate that was still over 12 %. This was not helpful, and has put me in a bad place. I purchased this vehicle at a high rate under the impression that I would be able to afford it after a very short time. If they would be willing to do as promised, I would be saving between $ XXXX $ XXXX. My wife and I will be moving in XXXX of 2016 to a new duty station. We will be losing over $ 1,000/month due to lower housing allowances at our new location. We are trying to save and continue to not incur additional debt in preparation for this move. I am worried that if we are not able to have a decent rate on this loan, I will end up defaulting on it, and letting it to into repossession.
On XXXX XXXX, 2015 we opened an auto loan with GM FIANACIAL. For an additional cost we purchased Gap Insurance. On XXXX XXXX, 2015 the auto was involved in an accident which resulted in a to loss claim My auto insurance as well as GM were notified. In XXXX I started receiving collection calls and also a billing statement that stated I owed {$1000.00}. The statement also declared a remaining balance of {$5500.00}. When I called about the {$1000.00} GM stated that the ck they received from my car insurance was applied to the principal. Therefore since the loan was not completely paid off I owed {$1000.00} in late payments .XX/XX/XXXX Gap paid toward the loan the amount of XXXX. This resulted in the balance remaining. Spoke with Gap they said they came up with the figures based on the GM payment history .I then spoke with GM again and they said that until my account was paid in full and closed that I would continue to be charged monthly.On top of that they turned my husband and I into the credit bureau which made our scores go from fair to poor.We did n't even know this until we went to try and get a loan for another car.Furthermore they still had not correctly updated ourinformation on our cedit
American Collection Enterprise is attempting to collect on a medical bill that was paid. I had two insurances at the time service was rendered and they were XXXX and XXXX. This bill was paid about 30 days afterward the insurance company paid the requested amount. This bill also has some added fees. This bill was never this amount.
Every single month since my dispute XX/XX/2017 XXXX and XXXX XXXX XXXX process investigative process as follows : 1. i would submit dispute to credit bureau credit bureau sends a generic message stating item is being investigated 2. within 30 days creditor will make two separate updates on two accounts removing and adding on various derogatory remarks and/or info to lower score that went from mid XXXX ( fair ) on XXXX to lower XXXX ( poor )
This is a reply to XXXX XXXX XXXX, XXXX 's ( XXXX ) response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that XXXX had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, XXXX signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX XXXX Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. XXXX filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why XXXX believes the loan first became delinquent in XXXX 2012. 2 ) Why XXXX believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.
XXXX is currently reporting me to Experian credit services as Failure to Pay. there are two problems here.

1. the same account appears twice on my Experian report. I have contacted XXXX 5 or more times about this issue and they can not or will not correct the problem. 

2. XXXX is reporting account as an installment loan. One the report it clearly says terms are unknown. The account has been paid in full and should not be reported on my report since it is almost 8 years old. 

XX/XX/XXXX contacted XXXX was told there was nothing they can do, directed me to call Experian. 

Called Experian put in a dispute saying the debt is a duplicate account. 

XX/XX/XXXX Notified by experian that XXXX validated both accounts. 

Called XXXX about the dispute they advised me they had to finish disputes in a timely manner so they validated both of them. They advised me to call Experian back to dispute again. 

Called Experian back they said no they cant dispute again without me having some additional information. 

called XXXX back, they said they will try to fix it but can promise anything.
I contracted with XXXX XXXX Movers for services that were never performed.. Regardless of the performance, the contract drafted by vantage .... '' ..authorizethe above named business to charge credit card indicated in thisauthorization form according to the terms outlined above. ". The contractCLEARLY STATES .... '' ... XXXX XXXX authorize XXXX Auto Movers.. '' This contract is clear and even was also provided to me by the recklessaction of my bank BMO Harris which this dispute is with. I under nocircumstances do I nor did I authorized to release via my account with BMOHarris any amount of funds to XXXX. BMO Harris sent mean arbitruary unsigned letter with a copy of contract that no where indicatesany relationship to XXXX XXXX XXXX. Regardless of BMO Harris banknow claiming, without providing any proof, that they [ BMO Harris ] now say, without in any writing are authorized outside scope of contract deliver funds to XXXX XXXX XXXX which is clearly not the " above named '' nor woulddo business with them. BMO Harris is not authorized to release any funds ofmine to XXXX XXXX XXXX ...
I have several hard Inquires on the XXXX credit report that are not recognized and I Did not authorize. There is no contact information for me to contact them XXXX. National Credit card companies XX/XX/XXXX XXXX. National Credit Card companies XX/XX/XXXX XXXX All banks XX/XX/XXXX XXXX XXXX XXXX All banks XX/XX/XXXX And one on my TransUnion XXXX XX/XX/XXXX
IVE TIRED SEVERAL TIMES TO CALL THIS COMPANY AND THEY KEEP SAYING THEY HAVE NO INFORMATION ON ME. ALSO SENT LETTER TO SHOW THIS WAS MY ACCT BUT THEY DIDNT SEND BACK ANY VALIDATION OR VERIFICATION THAT I REQUESTED. SENT LETTER ON XX/XX/2018 STILL NO RESPONSE FROM THIS COMPANY
COLLECTION AGENCIES TOOK MORE THAN 30 DAYS AND NO RESPONSE, COPIES ATTACHED. 
PLEASE REMOVE FROM MY CREDIT REPORT.
I had fallen behind with Wells Fargo home Mortgage and tried to do a loan modification, I was referred to a broker and basically took so long I lost my home.
I HAD A CAR LOAN WITH WESTLAKE FIN. SERVICES ALMOST YEARS AGO. THE CAR WAS A PIECE OF JUNK AND I WAS RIPPED OFF FROM A XXXX XXXX XXXX XXXX KINDA PLACE. I HAD ALSO FILED CHPATER XXXX BK AT THE TIME BEFORE I GOT THE CAR. THE CAR ENDED UP BEING REPOED AND SOLD. THE COMPANY R FIELD A COMPLAINT AGIANST ME FORE THE BALANCE OF {$5600.00}. BECAUSE THEY SOLD THE CAR FOR LESS THAN IT WAS WORTH I AM SUPPOSED TO PAY THE BALANCE. I SET UP A PAYMENT ARRANGMENT OF {$120.00} PER MONTH. I PIAID MY XXXX PAYMENT ON XXXX. I GOT ANOTHER HARRASING CALL TODAY FROM WESTLAKE SAYING THAT THEY WANT ME TO CONTACT THE LAW OFFICE THAT WAS HANDLING THE CLAIM BECUASE THEY WANT ME TO SIGN OFF SAYING I WILL NOW PAY {$8600.00} BACK BECUASE THEY ARE TRYING TO CHARGE ME COURT COST, LAW OFFICE FEES AND A {$1900.00} PRE INTREST FEE. THEY ALREADY ACCEPTACED MY PAYMENT I AM NOT GOING TO PAY BACK THAT MUCH. I COULD BUY XXXX OF THOSE CARS FOR THAT PRICE.
Bank of America is inaccurately furnishing information regarding account ending in XXXX to XXXX XXXX XXXX, in violation of the reporting requirements of the FCRA 623, and for which, they are responsible. 

Ive disputed this negative listing on multiple occasions and requested evidentiary documentation that substantiates the information they have furnished and its reporting. Bank of America has either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy of the item. The negative listing remains inaccurate and not verified.
My student loans are serviced through XXXX XXXX. I needed to recalculate my Income Based Repayment amount because I changed jobs, and I now make significantly less than I was making before. I applied online to have my payments recalculated on XX/XX/2018. I needed to mail a copy of my paystub as supporting documentation, which I mailed on XX/XX/2018. I called XXXX XXXX on XX/XX/2018 to inquire about the status of my request, and I spoke with XXXX ( employee id XXXX ). He informed me that my application was considered complete on XX/XX/XXXX because XXXX XXXX received my supporting documentation. However, on XX/XX/XXXX XXXX  XXXX  issued my bill for XXXX, which is due on XX/XX/XXXX and is for the higher amount based on my previous salary. I asked him why that bill was issued even though my application was complete beforehand, but he responded that it takes 2 to 3 weeks to process the application. I then spoke with XXXX ( employee id XXXX ) and another employee named XXXX ( employee id XXXX ) who confirmed that it takes 7 to 10 business days to process an application to recalculate IBR payments, and bills are issued 20 days before they are due. Therefore, it is IMPOSSIBLE to apply for a recalculation in IBR payments without also entering into at least a one month forbearance, and likely two months will be needed. During this time, interest continues to accrue and is capitalized. In other words, XXXX  XXXX is extorting students with accrued interest as a penalty for its delays in processing an application for IBR. This can not be supported by the regulation. If any forbearance is needed for XXXX XXXX to process an application, the forbearance should be interest-free because the delay is due solely to XXXX  XXXX XXXX own inability to process applications in a timely manner.
Hi, I applied for the Citi XXXX Honors Visa Signature Card on XXXX XXXX through a promotion I received via email to earn XXXX XXXX Honors points after spending {$2000.00} on the card. I had the card previously, but I have just gotten a new job where I will be traveling quite a bit and figured the XXXX card would be good to have once again. I read through the details of the bonus offer and realized it would still be possible for me to earn the bonus despite having had the card in the past. I applied, was accepted, and quickly met the bonus spending requirements on some gifts I needed to purchase. 

When I sent a secure message to confirm the bonus requirements and to confirm that the bonus was indeed tied to my account I was told I would not be receiving the bonus. I was confused because I had received an email for the offer and the offer page I applied through did not mention anything about not being able to receive the bonus if you had previously had the card. 

I would just like to try and get XXXX points that I applied for. I received a credit pull on my credit history to open this account and it would be a shame if I opened the card for an offer I thought I was eligible for but can not get through some error of Citi 's. 

I 've attached screen shots from my application process to confirm my information. Any help would be much appreciated. 

Thank you!
I sent a letter to Experian XX/XX/2017 disputing credit report. I recieved a canned letter response that refused to investigate any of the XXXX accounts that I was disputing. The letter stated that I had disputed this items previously. Which is not correct for Experian. My credit score with XXXX is XXXX Experian is reporting XXXX with the difference being what was disputed. If in fact I did it would have been only XXXX items ( XXXX and XXXX ) on the list the others are new. I have evidence that I paid XXXX on time and additionally paid them in full and submitted that information. I have proof that I have been fighting XXXX for inaccurate billing since day 1 the billing was produced. XXXX advised that I had to make a dispute with the credit bureau and they would update. It appears that no one took my notice of dispute seriously nor did they want to investigate and made the decision to dismiss it with a canned letter and false claims which should be against the law they claim they serve and ignoring the Fair Credit Reporting Act. It appears they whoever sent the letter did not want to do the work to send disputes.
I was in an accident in a rental car. I submitted a claim to my credit card company ( XXXX ). The claim was settled. A third party company has called me multiple times over the last month claiming I owe the difference between the settlement amount and the damages despite XXXX confirming that the claim was settled and I do not owe the difference. When I have confronted them, they immediately backpedal and say it was a " mistake '' and they " see a note here '' that things are settled and fine. They quote a lot of numbers and try to be confusing, claiming they are doing everything to be " fair, '' that they record the call to make sure the consumer is treated fairly. This most recent time, when I asked for the caller to spell his first and last name, he would not do so and immediately told me that this was a mistake and he saw that I did n't owe anything. They changed the story from that I owed money to a story that XXXX had not yet settled. The first time they attempted this, I refused to pay until I had written confirmation from my credit card company that the claim had not been settled, and they kept changing the nature of the debt from a " service fee '' to a settlement charge. When I was adamant, they claimed there they just now saw a " note that this has been handled. '' It was clearly an attempt to get me to pay.
I have disputed the late payments XXXX XXXX XXXX account with the credit bureau XXXX I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I disputed this debt with XXXX because I do not owe anything to XXXX XXXX XXXX for a Chase Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to XXXX XXXX financial and cashing it on this account for Chase bank. They have now reported to XXXX that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.