WillisBack/dataset-financial-user-claim huggingface dataset:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : 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 DOCTORS BUSINESS BUREAU 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 : DOCTORS BUSINESS BUREA 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 SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I provided all of the necessary information to Experian via their website and the website said they can not place a credit freeze on my account at this time and I have to send all my information by snail mail. I would guess I freeze and unfreeze my credit once a year on average and Experian always says they can not do it online. What's interesting is that I never have any problem freezing and unfreezing my credit with XXXX or XXXX. Also, neither XXXX nor XXXX is as aggressive about selling identity theft protection as XXXX
EXPERIAN is once again reporting XXXX XXXX XXXX XXXX Account # XXXX This account was removed from my report due to identity theft. 

EXPERIAN deleted the account from my report but now its back.
The loan company has been giving my information to my spouse which is illegal in the state of South Carolina. After I have called them to request a payoff, they are refusing to give it to me due to the current situation I have discussed w/ them. I have called them 2 times within a 30 minute period for my payoff & they keep putting me on hold & then saying they have it taken care of. 3 hours later, no payoff faxed to me or no phone call back to let me know what info I have requested.
I received a piece of mail from a collections agency saying I had been turned over for collections by Synchrony Financial. I was confused as I am up to date on that loan. I called Synchrony and they told me that they did not turn me over and that I was current on my loan. 

This game debt collector had my address and the exact balance that was due last month,
I have my credit report and there is a fraud on my report. It states that I had XXXX at XXXX XXXX XXXX XXXX pa XXXX and ran the bill up to XXXX dollar 's. I have been living at XXXX XXXX XXXX for 10 years and never moved!!! I used to work for XXXX for 3 yearsyears from XXXX to XXXX at the same address that I live now!! So I believe that had to be an inside job using my information at a different address. Please look in to this matter and get back to me.
I have had over 300 harassing phone calls at work and at home for a loan I have never been late or missed a payment on. I have repeatedly asked them to cease and desist from the harassment to no avail. This company practices predatory lending practices, sells private information and uses high pressure harassment to intimidate.
After receiving notice in the mail that this debt had gone to collections, I responded immediately to the law firm/collection agency because I was unaware that this debt had NOT been consolidated through the Public Service Program I had applied for. After speaking with the attorney 's secretary, I agreed to pay $ XXXX/month for the total amount of a little over {$6000.00}. About 6 months later, I considered offering a lump sum payment and discussed this with the secretary. She told me that I ca n't settle for any other amount because it 's an education loan and that there 's no benefit to paying it all at once. I then agreed to continue to pay $ XXXX/ month. After approx. one year and a few months, the law firm contacted me about my automatic payment that did n't go through because my debit card had been replaced by the bank. While discussing this with the secretary, it came to my attention that the principal of the loan was much higher than I expected it to be because I was being charged 5 % interest per year. I had paid almost {$400.00} in interest as of XXXX 2015. I am upset because I was never told in writing or orally that I was paying interest. I was also discouraged to pay a lump sum and was actually told that it would n't be advantageous to me, which is clearly untrue. Finally, while this is an education loan, I have trouble believing that I ca n't offer a settlement amount as this is a debt that has already gone to a collection agency. While I do n't know the law in Pennsylvania, I do n't understand why I ca n't try to settle for a lesser amount, or why I was n't told that I 've been paying interest for a year and a half.
I have tried several methods of communication with the Credit Bureau Equifax to have them delete several of the inquiries on my report. I did not authorize them at all and when I called them last I explained my situation and they stated that all inquiries are factual without havin to investigate them it 's there policy. The inquiries are hurting my chances of possibly applying for a house or better vehicle. They state that inquiries do n't determine credit offer but all my denials have too many inquiries with in the last two years. I have send a dispute with they mail and their website and still no luck.
Reference XXXX Investigation Account # XXXX : This alleged debt to XXXX dating back to 2009 has been passed around among collection agencies. Their technique has been to send XXXX letter and when I do n't respond, they report it to the credit bureau. This latest is about the fourth or fifth attempt by different companies. Each time, their report has resulted in a reduction of my XXXX score, which is what alerted me to a problem. After resolution of this last complaint, my XXXX score went from XXXX to XXXX. This is a racket that needs to be stopped.
1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living hell. I mailed ceritified letters, and faxed several documents in just to be going in circles.
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Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. Discover 4. XXXX XXXX
I had a Toyota Corolla leased with Toyota Motor Credit Corporation. The vehicle was returned on XXXX/XXXX/2015 and I drive a XXXX now, that i have with TMCC employee lease program. I have received several phone calls from a debt collectors named XXXX XXXX and XXXX XXXX at my job and at my cell phone during work hours after requesting the company to stop harassing me as my vehicle was returned and no debt remained. I have sent several documentation that my husband and I drive a vehicle thru TMCC and pay for it and i was told that if you trade a Toyota car for another one, that any fees would be waived. Once all my information was sent and calls stopped. Months later, I received another call from a different agency. I have never received any responses or letters in months since XX/XX/XXXX - I received a collections call on XX/XX/XXXX about this debt once again after i sent information and gave proof I was a driver of a Lexus, along with a copy of my driver 's license and my husband 's and mine and the new vehicle contract. I should not be receiving phone calls after asking for the calls to stop, and after proving.
XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX
My name is XXXX XXXX and I had my mortgage thru Select Portfolio Servicing. My XXXX unexpectedly passed away XXXX years ago and it has been a struggle to pay my mortgage ever since. I contacted Select to discuss a XXXX XXXX Pay. I was advised that this was an option and I needed to write a handwritten letter, provide proof of funds and make an official offer to payoff my mortgage. I owed approximately {$160000.00} at the time. My first offer was {$120000.00} and I was advised to make another offer. We asked Select to advise what amount we should consider, however they would not. I offered {$120000.00} and this was rejected. Select was contacted again and we were going to make an offer of {$140000.00}, however I was advised that since my home appraised for {$210000.00} and I owed only {$160000.00} XXXX approximately ) that a the full amount is all that would be accepted. Select recorded all phone conversations discussing this mortgage. I paid off the full amount after being advised this. This process took several month all along Select was collecting approximately {$1300.00} per month in interest on my mortgage. I have limited funds and am trying to pay off all my debts accumulated since the loss of my XXXX. I feel this practice was deceptive as if there was no intention of taking less than the full amount owed that should have been advised immediately saving me months of interest. We originally borrowed approximately {$210000.00} in XXXX and have payed XXXX XXXX interest the entire time. After paying off this mortgage I have given select over approximately {$600000.00} on a {$210000.00} loan. During this entire process they have not assist, modify or work with me any way whatsoever on my mortgage.
RENT RECOVER LLC AND XXXX HAVE AN UNSPOKEN AGREEMNET TO COMMIT COLLECTION FRAUD, BY ALLOWING THEM TO REPORT DUPLICATED COLLECTION ACCOUNT.
I have contacted TransUnion several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. 

I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
The complaint described herein is centered towards Citibank not advising of ATM fees at the point of transaction, and not necessarily about the fees themselves per se. 
Citibank uses their ATM terminals at many, if not all, XXXX convenience stores in this area. The ATM is clearly marked as " Citibank '' and is furtherly recognizable as such by their corporate logo. Citibank also co-markets actively with the XXXX XXXX XXXX XXXX XXXX XXXX, of which this writer has been member of since 2009. 
On many occasions, I 've used my XXXX card at the Citibank ATM terminals at various XXXX stores. Never, not even once, did the Citibank ATM prompt a warning about fees incurred by use of an XXXX card at their terminal, which reasonably leads one to assume that there are no fees. 
I believe this a deliberate act, a deceit by omission. For example, when I tried my XXXX and XXXX cards, the Citibank terminal display will promptly, and quite correctly, apprise me of the imminent usage fees incurred by both Citibank and the card issuer, at which point I 've always declined. 
In all, I 've been relieved of approximately {$50.00} ( {$2.00} withdrawal and {$.00} inquiry fee ) in unsuspected fees in just the last month. My investigation is ongoing back to when I joined XXXX in 2009, which may be more or less that stated amount, but it 's entirely plausible that I 've lost approx. $ XXXX {$700.00} dollars a year for the last 7 years that I 've been a member of XXXX , which I only discovered serendipitously while checking my account relating to another matter. If warranted, I 'd like to be remunerated for these fees entirely as well as punitive damages. 
Moreover, there are potentially hundreds, if not thousands, of XXXX employees that are unaware of such fees. Citibank certainly is n't saying anything. Moreover, I would n't be surprised if the XXXX, and even XXXX, are complicit in this matter. It 'll be interesting to see where this investigation goes. 

After all, XXXX XXXX started out as " nothing '' ...
I have received a response to complaint # XXXX along with documents provided related to this account. The response does not satisfy my concerns. XXXX XXXX supplied documentation and again the information they are reporting to the credit is in fact incorrect. Compliance Specialist, stated XXXX XXXX provided documents for a repossession on account number XXXX. However, if she reviews the account data she will notice the information is incorrect. The address listed on the notice is incorrect. The address was XXXX XXXX, XXXX, TX XXXX. XXXX XXXX was fully aware of the correct address. They can reference the correct address by reviewing account number XXXX. In addition, representative XXXX XXXX (possibly misspelled) was contacted on XX/XX/XXXX @ XXXX CST @ XXXX ext XXXX and was provided with the address details. In addition, XXXX would have supplied a change of address as one was on file since XX/XX/XXXX. Any notices sent from XXXX XXXX would have received a return change of address. Again, XXXX XXXX at the correct information for their files. The documentation within itself contradicts what XXXX XXXX notes in her letter. It is not my responsibility as a consumer to advise a data furnisher or credit bureau what is reporting incorrectly. Related to account number XXXX, the information provide contradicts the documentation provided as well as what is being reported.
I used a US Bank XXXX XXXX on my XXXX account as payment. XXXX  did an auto-charge every month for their services. On XX/XX/XXXX I notice the usual charge of {$13.00} on my statement, but there was a duplicate charge of {$13.00} onXX/XX/XXXX. One of the charges was legitimate and I made payment of {$13.00} on XX/XX/XXXX. US Bank add a late fee of {$13.00} on XX/XX/XXXX and added {$2.00} interest being the balance to {$29.00} of My XXXX  statement only has one change of {$13.00} so US bank add additional an charge and fees and refused to correct the account. I canceled my US Bank account, and paid the illegitimate balance to avoid hurting my credit score. This bank is stealing money from their clients.
XX/XX/XXXX a transaction was made for services which were either not provided or provided deceptively. A/C was not working and XXXX XXXX informed me they found the leak causing my problem and a bad capacitor. I paid for the service and a maintenance program offered by XXXX XXXX. The very next day the same problems with A/C and they come out again and supposedly fix. Goes out the very next day again, I call another company and they look at my unit. Turns out there was a fairly large and obvious pin hole in the Evaporator Coil inside the home and the old capacitor was not even bad, but I needed to replace the system due to the evap coil being bad and I had an R22 compressor unit that needed to be switched to 410a refrigerant with an evap coil change at about {$3000.00} which I had done. XXXX XXXX did not look inside the home at the evaporator coil nor provide services signed up for under a 12 month maintenance contract. When I called to inquire about the issues I was told they no longer provide HVAC services and all my concerns would be sent to the President of the company XXXX XXXX. This particular conversation has been included. 

I never receive a call back from XXXX XXXX but he finally responds back via email where he states my money will be refunded.He does not refund the money and I forward the emails to CITI BEST BUY to prove the promised refund by the president of the company and in a 2nd letter dated XX/XX/XXXX they state I did not provide a full response to their request and sided against me in the dispute. The attached email chain shows that CITI was provided with more then enough information to refund the {$610.00} and side on my favor.
I recieved a fake collection letter from Enhanced Recovery Company LLC, asking me to pay an amount I do not owe, for an XXXX XXXX XXXX phone account. I have an active XXXX account and am in excellent financial standing with them. The letter has the following logos on it, clearly pulled from internet image searches ; XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, and XXXX. It appears to be an attempt to gather more private information, such as phone number and banking information so that a person could be harassed by this company until they pay, then have money stolen right out of their own bank accounts. Please do not contact these people or give them any information about yourself.
Experian continues to report an account that is erroneous from a company who has not to verified or provided any documentation for an account I have no knowledge about. Despite numerous requests to creditor and credit agency. Neither has complied to date.
I have been working with Experian for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. ) There are also XXXX judgments that have the wrong filing dates. No matter what I do and say, they refuse to do anything.
Equifax has mishandled my information and did n't notify me of the illegal release of my personal information, I found out via social media. I had to go to their poorly made response site to verify that I was indeed a victim, and the whole ordeal has cost me several hours, soaking my time and money to deal with securing my credit profile. Additionally, their egregious negligence will continue to cost me time and money in the long term, as my most sensitive personal information has been illegally released and will likely take the rest of my life to monitor for fraudulent activity. 

This is an undue burden from a company I have never chosen to do business with ; they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
On XXXX XXXX, 2015 I mailed a letter requesting Enhanced Recovery forward proof that this debt belongs to me. 

On today XXXX XXXX, 2015 Enhanced Recovery still has not responded to my request. 

According to my rights under the Fair Credit Reporting Act Enhanced recovery had 30 days to respond to my request, however they did not.
Good afternoon. My car was repossessed on XX/XX/XXXX at XXXX a.m. in the morning according to the Sheriff 's Department in XXXX County. I am unable to confirm whether or not Capital One Auto Finance has repossessed car due to the fact that of all three occasions I have called them I get a pre-recorded message saying that no one 's in the office and to call back during business hours Central Standard Time. Please note and all three occasions were different times of day morning afternoon and evening during the business week. The other problem I have with the repossession no letter was sent out saying that I was in danger of my car being repossessed or action was being taken the only thing I've ever gotten from Capital One was a letter for my credit card because that is also delinquent. Now my phone number has changed and I tried to update my profile on their website on different occasions and for some reason Capital One has froze me out of my profile. Seeing is that I haven't been able to get hold of anybody at Capital One which is unusual according to my neighbor who also has a loan through them as well and they were able to get through right away. I have check the number and is the right phone number to call. The only other thing I could do or think of doing was to email them the right contact information. I am at a loss as to what to do next because I truly do want to sort this out and get my car back what Capital One is being difficult.
Credit card company continues to call each hour after being sent bankruptcy filing information along with the fact that I told them that I can not accept calls at work.
This now my 3rd or 4th complaint and the first revealed that Ditech had no record of a debt attached to the phone number they have been calling but yet the calls continue. Today when checked my answering machine there were 2 more. I guess I really need to just start logging these because what, it 's worth a XXXX or so per call and notification and confirmation on debt exists has been well documented on this site!
XX/XX/2015 I opened a complaint with Suntrust regarding fraud on my account totaling {$470.00}. The purchases were made over XX/XX/XXXX-XX/XX/XXXX. Not only were the charges made with vendors completely outside my purchase history, I provided my alibi of corporate payroll proving I was clocked into my work. Also, I tracked down multiple receipts from the actual vendors, XXXX being one in particular, which has every pattern of fraud one could think of. XXXX Salads, XXXX cans of motor oil, etc ... In addition the receipt shows a card not in my name being declined before mine was accepted for the purchase. Even with all the proof I gave to Suntrust and signing an affidavit affirming the transactions were not authorized by me or by any person acting with my authorization, knowledge, or content, Suntrust has denied my claim 4 times over the last 9 months. First was because the purchases " were in the region in which I was living '' and more recently because they are saying there is there is no way to prove there was a duplicate card or that someone did n't have my actual card with my approval. In addition, the revoking of my provisional fraud credit caused my checking account to overdraft twice.