WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX/RESURGENT CAP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity  theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX/RESURGENT CAP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
I have been trying to get my free annual credit report and dispute items, I recently disputed some item on the XXXX XXXX site. than I received an email that stated my dispute was investigated and the confirmation number to see what was the outcome, everytime I try to log in with that confirmation number their site sends a message stating that its unavailable. this happens everytime. Also when I try to get my report it states that I have already received a report which in fact I haven't received my annual credit report from XXXX  only can I see my report on XXXX XXXX. 

Transunion website is always unavailable and then tell me that I have received my annual credit report.
****Please note all communications are being documented due to intentions to pursue legal action************* Experian has concluded their investigation and failed to remove an account I have proven should not be included on my credit report. I have already spoken with the company directly who advised they would delete the credit entry as the account is a result of goods not received. I submitted a letter directly from the company proving the company 's intentions to delete the credit entry and showing the balance at zero. The collection agency that was once representing the company also agreed not to report the invalid information. It is for these reasons I can not understand how Experian could conduct a thorough investigation and still conclude that the entry was valid. 

I spoke to the company via proxy AGAIN today and they confirmed that the account was removed from collections, credited, and a request for deletion was made on XXXX/XXXX/2017
I am not exactly sure how to categorize this issue. It is in regards to the theft of my ATM card and the misuse by the thief and the bank refusing to acknowledge that I was the victim of a crime.
On XXXX XXXX 2017 my Chase bank ATM card was stolen from me while I was at the XXXX XXXX XXXX pool with my grandkids and it used at a local grocery store. Because the card was stolen from me close to my home the card was used at the grocery store I normally shop in. I discovered the card stolen within 15 minutes of it 's use and immediately called Chase and reported it stolen and the card was closed and a new one sent out.
I also called the police and filed a police report. The police report number XXXX. I am unable to get a copy of the actual report because it costs {$30.00} to request a copy and it takes about 3 months to receive it.
The thief used to card to spend {$210.00}. The bank gave me a credit for that amount while they investigated the claim.
A few days ago I received a letter stating that they felt the charge was valid and was reversing the credit. When I called and talked to them they said because a PIN number was used. It was not used by me and there is no way the thief would have it.
After many calls and many tears on my part I finally spoke with a claims escalation specialist named XXXX ( not sure of the spelling ) who found that a PIN number was not used and she would resubmit the claim with that information.
I just got another letter from Chase stating they are still denying the claim. I am desperate. I can not afford the {$210.00} and I did n't do anything wrong. I called the police and have a police report number and did everything I was instructed to do.
I am XXXX on my entire income is only {$920.00} from Social Security and this creates a huge hardship for me. I had to borrow money in order to keep my account open and to keep from incurring overdraft fees and penalties. I have been treated very badly by nearly everyone I have contacted at Chase. I was the victim of a crime and I feel like Chase is treating me like I am the criminal. I do n't know where to turn or what I can do. Can you please help me?
Credit acceptance is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number XXXX
Since XXXX XXXX, I have attempted to get a copy of the master promissory note from the current servicer - Navient - of a set of my student loans ( XXXX subsidized and XXXX unsubsidized Stafford loan through the FFEL program, disbursed in XX/XX/XXXX ). After multiple calls in which I have been told that either ( a ) my information would be sent to me, ( b ) they do not hold the MPN and that I should contact the original guarantor ( which I did and the guarantor indicated that this was incorrect and the servicer should have a copy of my loan ), and ( c ) they do not hold the MPN and that I should contact XXXX as they would have the MN ( which I did, and was told that this was incorrect and that the current servicer should hold the MPN ). I have never experienced a greater lack of professionalism and lack of service, including never being given an update on my requests unless I contacted Navient again, as I have with this company.
My account for XXXX services I received from a local XXXX XXXX XXXX was placed at MERCHANT CREDIT Agency for collection. The information in my file contains my personal information including my SSN. Recently I have noticed suspicious active on my credit report in the time my account was place in MERCHANT CREDIT Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with 45 CFR Parts 160, 162, and 164 Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California A.B. 964 and A.B. 964. I have made the request and MERCHANT CREDIT refuses to provide this information
Called a phone number I did not give them to collect a debt. 
They called my supervisors direct line and left a message to collect a debt, on XX/XX/2018, this number was never given to them which means they invaded my privacy to find it. The attached is the voicemail. 
They have called every 10 minutes while I am at work and leave 3 second  messages until my voicemail full, the messages do not say anything.
I signed a new car lease for a   XXXX    XXXX   XXXX   XXXX  with  XXXX   XXXX  in  XXXX , New Jersey through  GM Financial.  I was promised that my vehicle would contain standard features ( including an illuminated shifter console ) in addition to other add-on features for the LT model. When I received the vehicle after signing the lease, I discovered that the " standard equipment/feature '' that was promised in my vehic le ( a n illuminated shifter console ) was not present in my vehicle.  XXXX   XXXX  and  XXXX  GM  have refused to repair or replace the vehicle to provide me with the features I was promised pursuant to the lease agreement. I have made multiple attempts to resolve the issue and even though  XXXX   XXXX  and  XXXX  GM  acknowledge that this " standard equipment '' was accidentally left out of my   XXXX    XXXX   XXXX   XXXX , they have refused to resolve the issue in any way.  I  continue to pay the lease amount under protest, trying to work toward a resolution where the contract I signed is honored and what I was promised is delivered.
This is not additional information on complaint XXXX. 
I sent the email below to XXXX on XX/XX/2017 telling him to put a note on my account and tell his employees to not contact me by phone again, only by mail, because they are harassing me!! Since I sent the email they called me again on XX/XX/2017 at XXXX an XX/XX/2017 at XXXX, so I am now sending it to your office to deliver to him too! His employees have been rude and unhelpful every time I contact them and he makes excuses for them, once I do pay this account off will be closing the account because of the horrible customer service, is no wonder there are so may complaints online for the same!! 




















Sat XX/XX/XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX, I am having a problem with my account. I lost my job unexpectedly some time back and so my payment is now past due for XX/XX/2017. I contacted your account department to let them know what was going on and that I could not make a payment until the unemployment check was in my account, which will not be until mid next week. They then called my cell phone this morning at XXXX and woke me up ( from XXXX ), after I had just fallen asleep finally just a few hours before due to my concerns over the job loss, no promise of a new job yet even after sending out hundreds of resumes and interviewing with several employers, still waiting to find out if I am hired or not, having no financial help because I am only XXXX years old and already widowed twice and now both of my parents and their spouses are in theirs XXXX 's and have had XXXX, XXXX and XXXX so leaning on me at times. 




I want my account noted that I do not want to be contacted by phone or email, only by mail going forward. I am aware of the balance on my account, have never been late on a payment with you before, but can not pay my payment until I have money to pay it with. I live about two hours from the nearest XXXX 's location in XXXX, XXXX., but if you have a position open that will pay me enough to live in that area again in one of your stores I would be happy to take it and pay off my balance sooner. I am trying to get back over that way anyway, because there are more jobs closer to the city. I have also held high end retail jobs in the past with XXXX, XXXX, XXXX. 




Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
On XX/XX/2018, we received a letter from Wells Fargo Mortgage informing us that they are selling our Mortgage to another Mortgage company called XXXX XXXX XXXX XXXX by XX/XX/2018. I have looked on line at reviews regarding this particular company and found many negative reviews. I am concerned because if this new company has suspect practices and motives -- in other words, they are not designed to aid people in maintaining/keeping their homes ; what choices do we have? -- if mortgage companies can choose who they finance, then why can't mortgagees decide who their mortgages are sold to? I am very concerned about my future in my home with this new company. I am a consumer what can I do? How can we be protected from predator type mortgage companies?
On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX XXXX  ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all XXXX reporting agency reports. Equifax, XXXX  both returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXX XXXX does not do student loans. I explained this to Equifax and XXXX  but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit report.
We receive back to back threatening letters to sue us and contact us at work. I called to arrange something and they repeadely said my whole families information and ss #. Very violating of my families information. Would n't answer me to why he needed my ss # when the bill is in my husbands name. Constant letters threatening us.
Greetings I have initiated a dispute with EXPERIAN to remove an unauthorized Inquiry they have failed to validated that I initated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my  EXPERIAN credit report. Should you need any additional information please let me know. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
SINCE XX/XX/2016 AN ACCOUNT OF XXXX IS AFFECTING MY SCORE WITHOUT ANY RIGHT. I AM TIRED OF ASKING THE AGENCY AND THE CREDIT BUREAU TO VALIDATE IT WITH NO AVAIL. IF THEY ARE NOT ABLE TO VALIDATED THEN IS NOT FAIR TO BE REPORTING ON MY CREDIT REPORT AT ALL. THE ACOCUNT IS NOT MINE.
I missed the call while at work, an went on break to return the call. Upon speaking with the first agent, he verified my information ( i.e name, last known address, and last XXXX of social security ). After answering yes, he spoke authoritative to state that I had a previous debt from a company I never heard of. When I stated to him that prior to my move and job loss, I paid off all payday loans. He laughed and said " Ma'am do n't waste my time '' if you do n't pay your bills I just need you to say that, and that you are n't going to pay this XXXX. He stated that his name was XXXX. when I stated that he was rude and would n't let me address that the loan he 'd referred to was not the originator, and I wanted more information. He interrupted me stated I was a low life and then hung up. I waited about XXXX minutes and called back. I then spoke with XXXX at ext XXXX. He also ask to verify my identity to continue their credibility. I asked if he had anything in writing to prove the debt, he stated that his company could not forward such information. I asked if the accepted payments via mail, he stated they only accepted payment via phone. I asked if he had the originating account information, as I did n't know of the name by which he referred the debt. He said " XXXX XXXX '' was the parent lending company, and they are demanding the outstanding balance. He stated that once the {$500.00} was paid with either credit card ( with the exception of XXXX XXXX, debit card or pre-paid card, would be the only letter I 'd receive with regards to the debt. Although he was more polite, i do n't believe the company and the debt is credible. I have gotten other loans, and this company appears to not be legitimate to me.
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 

I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability. 

Your Comments from the previous and related dispute just filed on XX/XX/XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process. '' The issue remains -- - This account is incomplete, and inaccurate. 

The XXXX XXXX Account, Activity Designation Should be " Paid and Closed '' and not NA. 

The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2016, the Pay History was space filled with NR. 

The Comments and the HC listed, are inaccurate as well. The Card NEVER had a High Credit of XXXX, or was at the limit.
Have been repeatedly harassed at job and also have disclosed debt is owed to coworkers who have account also with debt collector. Name of company is Atlas Credit
This is a formal complaint against Barclays Bank Delaware ( " Barclays ), XXXX XXXX and XXXX relating to a Barclays XXXX XXXX XXXX XXXX Master Card ( " Master Card '' ) for ( 1 ) failure to safeguard customer information due to a breach of security resulting in theft of airline miles ; ( 2 ) failure to respond and remedy complaints regarding the breach and theft ; and ( 3 ) failure to provide services paid by the customer. 
I am currently Barclay 's customer as I have a Barclays XXXX XXXX XXXX XXXX XXXX Card. I earn airline miles for an XXXX XXXX mileage program administered by XXXX through purchases and activity on my Master Card. I pay fees and interest to Barclays for this program and I have not received the services for which I paid. I have contacted all three entities on multiple occasions and have not received responses or a resolution to my concerns. 

Due to character limitations, see attachment for full description of complaint.
TransUnion wanted specific information on accounts, I sent these Documents in on XXXX, including police report, affidavits, account numbers. TransUnion sent a letter to me stating refusal to follow CFPB guidelines.
I am trying to use a product called XXXX to analyze my budget and spending habits, but XXXX XXXX does not allow this app to access the account.
XXXX XXXX, 2015 credit report indicated XXXX medical collections, XXXX for {$1700.00} and XXXX for {$410.00}. XXXX XXXX credit report shows a removal of the {$410.00} collection and the addition of a {$770.00} collection placed by the same company as the original {$410.00} collection. No changes in XXXX XXXX report. XXXX XXXX report shows the addition of XXXX new medical collections each for {$410.00} from a new collection company. The XXXX new collections appear identical. My concern is why there has been any changes to the collection record since the XXXX XXXX, 2015 credit report. At minimum XXXX of the {$410.00} collections is a duplicate and the {$770.00} collection should not exist. The only collection whose validity is undisputed is the {$1700.00}. I am unaware why the others are there and trans union is the only reporting agency that shows any collections besides the {$1700.00}. Please help.
I have never opted in to any fee agreement with my bank, Branch Bank & trust. I have opted out of their fee agreement on several occasions, most recently the XXXX of XXXX. The previous times with their customer service dept. over the phone and fees were refunded. They have again illegally charged my personal account {$72.00} in overdraft fees and have refused any refund. These fees are illegal according to the Overdraft Protection Law. This is not first time this has happened. I contacted BBT and they said I was opted in, how convenient for them. I have never nor would I ever opt into a fee agreement. I believe it is BBT that has changed my opt out to suit their needs. My goal is to recover my lost fees and you to investigate BBT for illegal practices. Thank you
I received a call that there will be a warrant out for my arrest of I did not pay a delinquent payday advance loan from ACE cash express a few years ago. I was willing to make payments towards the debt however they told me if I did n't pay half of the full amount or {$500.00} then I will be arrested. Since the loan I have moved a couple times and have had a change of numbers this is the first time I am hearing of this and am being given little to no time to respond or make payment arrangements. Can they arrest me if I did not receive any information until now?
This is the third time that thes people have processed my payments incorrectly I have advised XXXX XXXX -XXXX on several accasions to please have his people process the payments as I have set them up as ... ..They have caused me {$100.00} in overdraft fees by processing my payment early as per my conformation number XXXX with one of their customer service people. 

Please help me Thanks XXXX XXXX
I have repeatedly requested Discover Card quit using my e-mail address as a means of communications. I first issued a Cease & Desist request around XX/XX/XXXX to Discover Card via phone contact with a representative at their customer service number. I additionally contacted XXXX XXXX with Discover Card Executive Services at XXXX on XX/XX/XXXX and spoke with his assistant on a recorded line advising him they need to Cease & Desist using my e-mail as is my right under the Can-Spam Act. However, I continue to receive e-mails from Discover Card as of XX/XX/XXXX which is a direct violation of both federal law as well as internal Discover Card compliance procedures.
This debt is not mine. I have a son with a similar name thatwent to this XXXX, I have never gone to this dentist. I am a XXXX year old man the patient is XXXX, I dont live with him, have a different address etc ... 
Why am I responsible for his medical bill
I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( first XXXX in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas