WillisBack/dataset-financial-user-claim huggingface dataset:
Todays date:XX/XX/XXXX To whom it may concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX 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 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 XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
My bank stated that the mobile deposit didn't come through on the check. So., I took the check to PLS to cash. Well the bank somehow reported that they had cashed the check and they didn't. I informed them that I was disputing this with the bank and needed time to do that. They inturn sent a letter to my job, which caused them to think I was stealing and they fired me.
Equifax was breached by hackers and my personal information has been compromised putting me at serious risk of having my identity stolen along with 143 million other Americans. This personal information includes my name, birthday, address, social security # & driver 's license. It is important to keep in mind this is a company who I have never given consent to track or keep my personal information. The company failed to report the hack for months and to date has failed to contact me directly about the security breach and the risk to poses to me. I have had to take time-consuming ( and potentially costly ) measures to provide at least some level of protection for the company 's gross negligence. Their response has been completely inadequate. They need to do much more to make things right and I hope they learn from this experience and laws are passed to impose regulations to prevent this happening in the future.
I have been disputing this account for 6 months with XXXX XXXX, Transunion, XXXX and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}
I was in the process of doing an FHA streamline refinance that would have saved me significant money on my monthly payment. Towards the end, we were working with Lakeview Loan Servicing LLC to order a payoff. 

Lakeview stalled my originating lender by over 1 week in getting a correct payoff. My lender requested that my impound account be netted towards the payoff, which would reduce my cash to close by {$XXXX}. At the last minute, XX/XX/2018 after a lot of effort on behalf of my lender, they relayed the news that they would not do a netted payoff. 

This made it so that I had to come in with an extra {$XXXX} that I did not have, and I had to cancel the loan. My lender is willing to re-attempt this next month or anytime in the future if we can get a netted payoff. But if we can not, Lakeview has made it unnecessarily difficult to complete my refinance, which would have saved me over 10 % on my monthly payment. Additionally, this is egregious because since my loan has started, rates have gone up on average by 1 % - which makes an FHA streamline not doable. Therefore, I may lose out on savings for the next 29 years of my loan, because of Lakeviews unwillingness to have client centric policies in regards to netted payoffs!
XXXX keeps calling all my family and work. I have called them repeatedly to tell the. They do not have permission to contact me other then my home phone, and they still continue to call people and tell them its in regards to either an application ( no application with them ) or they are trying to get me to pay my debt I owe. They have told this to family and my employer. This is not ok, and the harassment wont stop.
XXXX XXXX XXXXXXXX AND EQUIFAX HAVE AN UNSPOKEN AGREEMNET TO COMMIT COLLECTION FRAUD, BY ALLOWING THEM TO REPORT DUPLICATED COLLECTION ACCOUNT.
Equifax is reporting 2 public records both for {$0.00} and both items does not belong to me.
I called the bank. They told me I had fraud on my account, so they locked me out. I can not access my account funds to pay my Bills ( I even asked if I could just close the account ). Now every time I call they want to over authenticate me. I have told them that I would get on skype with them and show them my face and my ID ( Drivers license ) in person. I do n't trust their authentication methods to begin with because it seems that they failed to protect me when they where suppose to do so.
I am a victim of the recent XXXX data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, Furthermore, I have not been XXXX days late with my car payment to XXXX XXXX XXXX.
In addition to reporting us to the XXXX credit bureaus, refusing to help us by acknoweledging our hardship due to the unforseen circumstances regarding job loss and devastating illness, and erroneously stating that we are two months behind on our mortgage when in fact-we are one month behind -- -- Nationstar has added at least fifteen late payment fees to our account. Each fee is $ XXXX-which -as of today would total an extra {$1100.00} on top of what we currently owe. How does Nationstar think that we can afford to pay these exorbidant late fees when we are struggling to make our mortgage payments -- specifically the payment that is one month behind -- that Nationstar continuously adds the {$75.00} per month late charge to? Nationstar staunchly defends it 's mercenary actions of gauging and blatantly disrespecting its customers by spouting company policy. They say they are there to help, but the only help that is offered would serve only Nationstar -- and not the consumer. I understand why Nationstar has earned it 's publicly documented " XXXX '' rating with the XXXX.
We applied for a home refinance loan with JP Morgan Chase Bank , N.A . XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX to refinance our loans with XXXX XXXX and XXXX XXXX XXXX, and signed the final loan papers on XX/XX/XXXX. The new loan with Chase included a pay off our first mortgage with XXXX XXXX and our XXXX mortgage with XXXX XXXX XXXX. Chase paid off our XXXX mortgage with XXXX XXXX on XX/XX/XXXX. However, our XXXX mortgage with XXXX XXXX XXXX has not been paid off as of XX/XX/XXXX. The final HUD-1 settlement statement for the refinance that we signed stated on line XXXX that Chase would payoff our mortgage of {$60000.00} with XXXX XXXX XXXX. A few weeks after signing the final HUD-1 settlement statement, we received another HUD-1 settlement statement in the mail that was changed on line XXXX. The payee was changed to " XXXX '' instead of XXXX XXXX XXXX but the amount of {$60000.00} was not changed. We do n't have a mortgage with " XXXX, '' and have never even heard of " XXXX. '' We have left messages with the Chase loan origination department and have contacted the loan processing managers, but our mortgage with XXXX XXXX XXXX has not been paid off and we now have XXXX mortgages with Chase and XXXX XXXX XXXX.
Please reference CFBP case # XXXX as well as this information. 

I had a BOA HELOC that was closed & charged off in XX/XX/2011. The last payment made on it was at least a year before that point. After case # XXXX however, BOA stopped reporting the " Date of First Delinquency '' to the large credit reporting agencies. As a result, even though this account is now past the 7 years since it was last active mark, it has not been removed from my credit report per policy and Federal law.

I would ask that now this account has reached the 7 year mark from the DOFD, they take steps to have it removed entirely from credit report.
I pulled a copy of my credit report and noticed that there are some inaccurate accounts being reported on my report. These accounts are in violation of the FDCPA and the FCRA. I have contacted these companies as well as the credit reporting agencies and they have been unable to verify how these accounts were verified as accurate. These accounts are affecting my overall credit profile and credit worthiness. I don't have any contracts with the companies that are alleging that a debt is owed to them. I have requested they provide evidence to support their claim in which they have failed to do so.
I bank with Chase. I have been told by several Chase reps that users of their debit cards are protected from unauthorized and fraudulent transactions. Indeed, their website says the same and directs users to their XXXX Account XXXX for details. However, this is what the XX/XX/2016 XXXX actually says ( XXXX ) : I. NOTICE OF YOUR RIGHTS AND LIABILITIES For personal accounts only : Tell us AT ONCE if you believe your card, PIN or code has been lost or stolen. Calling us is the best and fastest way of keeping your possible losses to a minimum. 
If you tell us within XXXX business days, you can lose no more than {$50.00} if someone used your card, PIN or code without your permission. If you do NOT tell us within XXXX business days after you learn of the loss or theft of your card, PIN or code and we can prove we could have stopped unauthorized transactions if you had told us, you could lose as much as {$500.00}. If your statement shows electronic funds transfers that you did not make, tell us right away. If you do not tell us within XXXX days after the statement was sent or otherwise made available to you, you XXXX not get back any money you lost after the XXXX days if we can prove that we could have prevented the transactions if you had told us in time. 

https : //apply.chase.com/oao/DisclosureRetriever.aspx? XXXX There is a " Special Provision '' below that indicating consumer is n't liable, but this raises the question, why the XXXX, {$50.00} or {$500.00} liability language has n't been removed as these sections are contradictory..
I had a checking/savings account with XXXX XXXX XXXX. I overdrafted my checking account and was going to pay little by little in order to pay it back with the overdraft fee, typically a bank gives you 30 days to pay it back without charging another overdraft fee. I paid the bank {$1500.00} but they still sent the report and put it on my credit report as closed with a delinquency of {$2600.00}. My credit score went from XXXX to XXXX due to this, and the bank did not contact me at all. This is horrible and I need to fix it immediately.
I traded in my vehicle and was told to not make any more payments to my old vehicle because the loan would be paid off from the new vehicle purchase. However, the transfer took to long apparently because i got a late pay put on my report. i have tried to resolve the issue since it was no fault of my own and was actually told not to make a payment because it would be handled.
I DO NOT OWE DEBPT WITH BANK OF AMERICA. I NEVER REQUEST AND/OR OWN ANY LOAN WITH BANK. THUS I NEVER GOT APPROVED FOR LOAN FURTHER, ICLAIM I LOST MONEY AS RESULT OF BANK OF AMERICA TRYING TO DEFRAUD ME
On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted XXXX  asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Citibank has entered into a program of denying credit to gun manufacturers. I believe that this undermines the Second Amendment and is contrary to a free and open society. It is particularly disgusting because Citibank received bailout assistance from the very government that it is trying to undermine. 
I request that the CFPB conduct a complete investigation into the lending practices of Citibank, particularly in relation to loans to gun manufacturers. 
XXXX XXXX
I XXXX XXXX filed a Fair Debt Collection Practices Act ( FDCPA ) protest against Portfolio Recovery Associates ( PRA ) collection this past XX/XX/XXXX. The debt in dispute pertains to an old XXXX XXXX account that was satisfied several years ago through another collection agency in XX/XX/XXXX. Since that time, I have re-established credit and have procured another XXXX XXXX credit card. XXXX XXXX has already deleted the old account from all of my credit bureaus based upon the 7-year timeline of the Fair Credit Reporting Act. PRA has acquired information on me through an illegal debt pooling agreement, whereas my information floats to various collection agencies. Just because PRA sends out validation letters does not validate a collection. Based upon a court decision in XX/XX/XXXX against PRS called Federal Trade Commission v. Portfolio Recovery Associates, PRA must show proof of ownership of a debt or proof that XXXX XXXX has extended approval on the collection. The attached FDCPA collection letter was explicit on the actual process that is required legally. The FTC case also stipulated that the bebt must be within the legal timeline where it could be collected based upon the sate law guidelines of the consumer 's residency. In essence, PRA is trying to collect on a debt that has already been eliminated from any legal collection process, and that the legal timeline where the item could be carried on credit from the original creditor has passed. PRA is in violation of both FCRA and FDCPA regulatory guidelines passed by Congress.  Accordingly, this item must be deleted permanently, and my file information must be voided by PRA. THIS ITEM POSTED IS ILLEGAL!!! <P/>PRA MUST DELETE ITEM AND PURGE MY INFORMATION!!!
O n  XXXX / XXXX /2017, I mailed a regular mail request to validate, it was not responded to by NCAC.  XXXX / XXXX /2017, I mailed a certified request to validate debt, give accounting of fees of the debt and other items ( 2nd letter and it was returned not signed for ). 3rd letter, I mailed certified request to delete to the collection agency also, based on FDCPA and TX finance code and the letter on  XXXX / XXXX /2017 not being responded to ( sent  XXXX / XXXX /2017 ), this was the second certified letter. None of the 3 letters have been responded to as of today. The debt is being collected by TWO collection agencies on my credit report. Per the law they do not have to respond, however they do have to cease/stop all collection activities including, reporting to my file with all CRA 's. Note : I mailed a certified copy of the letter sent to the collection agency to the  XXXX  CRA 'S certified, so they could see what I mailed on the day that I mailed. Today is  XXXX / XXXX /2017, t hey have not responded to either letter. The second certified letter gave them 10 days to respond. They refuse to communicate with me, and as of today have ignored all of my legal communications. My attorney sent them a letter 7 days ago also, however, they need to follow the LAW.
After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to XXXX FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.
In XXXX I disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XX/XX/XXXX ).
I have an account with XXXX that has now been closed for over 2 years. Ive attempted to contact XXXX and pay the outstanding balance, to no avail I was told that the account was moved to collections. So I contacted the collection agencys phone number XXXX once I got ahold of a rep for this agency I was told that the account is so old that I can not pay the balance and he can not help me pay off the XXXX $ balance. After that I filed a dispute with XXXX  and they did nothing to help my report or the situation. Ive tired every route.
My son has a new cell phone. Okay, it is not that new. We bought it for him a year ago, when he was XXXX and biking to school on his own. Recently Receivables Performance Management has been repeatedly calling his phone. They want to collect a debt from someone else. I called them back this evening and I had a very disappointing experience. I told them they were trying to collect a debt from the wrong person and the person they were calling was a minor. They told me it would take 40 hours to remove his number from their call list. I said they were violating the law calling a minor and they should be able to comply in less than forty hours. They could not do more. I asked to speak to someone who could assist me, and the person who answered said he just transferred calls and he could not help me and the four people there were all busy. 

I then asked if they were registered as a debt collector in XXXX, and the phone rep was unable to answer the question. 

About a year ago, someone was calling my son 's phone to collect a debt and I explained to them that this was the wrong number and the person they were calling was a minor. They stopped calling. I am afraid this is just a resold debt and this will not come to an end. 

I also think that they should send my son a written appology for repeatedly calling his phone during school hours.
Synchrony Bank for Walmart credit card services continues to verify all info is correct in regards to credit agency disputes, when different information is being reported to each credit agency. XXXX has reported that the date if 1st delinquency is XX/XX/XXXX. XXXX & XXXX report that the date of 1st delinquency is XX/XX/XXXX. Multiple disputes have been sent to Synchrony Bank regarding this matter. In fact, the last dispute is when they re-aged the account to report as XX/XX/XXXX. I have had multiple accounts with Synchrony Bank, and they fail to report correct information to the credit agencies in general. A total of XXXX disputes have been sent to Synchrony Bank on XXXX accounts. Even after all that, the information on my credit reports is still incorrect.
For the past three years I have pleaded with the top XXXX CRA to correct the record. Derogortory Information on my credit report is both FALSE and/or dated 15 to 20 years ago. I have not been able to obtain a credit card for over 15 years because of this. What 's worst, credit collection agencies are now filing judgements in XX/XX/XXXX and XX/XX/XXXX for disputed items dating back 16 years. People who work as public and or government agencies are being targeted as easy targets. Many times it 's easier to simply give in to the false XXXX dollar judgement than fight and retain an attorney at a much higher cost. This happened numerous times. The new weapon by collection agencies in XXXX is the City Marshall. They strong arm public employees and abuse their office. The CFPB needs to step in and sanction the reporting agencies and heavy fine the abusive collection agencies.