WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I signed on to a year 's lease agreement with XXXX. XX/XX/XXXX, I gave notice of early vacation and moved out by XX/XX/XXXX, fully aware that I was liable for a re-letting fee of {$790.00}. XXXX did not formally bill me this value, nor did they ever contact me after my move. My first knowledge of any indebtedness was when, upon investigating my own credit report XX/XX/XXXX, I discovered Rent Recovery Solutions claiming my delinquency on an account totaling {$1300.00}. I investigated the nature behind the {$500.00} discrepancy and discovered that XXXX and their management company XXXX XXXX XXXX XXXX had added additional charges on to the original re-letting fee using fraudulent evidence to claim I was residing in my apartment past my move-out day. 

Only after I began investigating these additional charges was I first contacted by Rent Recovery Solutions with a demand for payment. I offered tender for {$790.00}, the only legitimate amount I may have owed, and their representative refused, citing the full amount. He additionally told me that if some of the charges were placed in error, I was welcome to send evidence to their auditors to review. 

I have sent numerous communications to Rent Recovery Solutions presenting evidence of the illegitimacy of the additional charges. I have filed complaints to the XXXX on the matter seeking resolution. I also contacted Rent Recovery Solutions through XXXX credit dispute system. Each time I have offered to pay the {$790.00}, and each time I have been refused, either through non-communication or a re-affirmation that they would only accept the full amount of {$1300.00}. It has now been over one year since the account was reported to the major credit bureaus, and it has been three months since I was first made aware of the alleged indebtedness.
I have dispute XXXX XXXX XXXX accounts on my credit report XXXX times, twice via online, and twice via mail. Each time I have submitted a receipt from the creditor showing that the accounts are paid in full and are to be removed from my reported. Transunion continues to say that the accounts are active collections despite documentation.
Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks XXXX XXXX
this is in reference to my everyday card. i id not know so please dont say disclosures were sent that you would be travel fees. when i book a trip i dont want or need these. this is bogus. please reverse all and remove feature that allows the card to be billed when a trip is booked. what a joke. please dont tell me i was told what 20 years ago? never use d it for this so did not know please refund XXXX dollars of charges. asap i am not wasting my time calling i did not kow or authorize or need.
Was contacted in writing on XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX XXXX  regarding a debt with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX referenced a correct account number for an account that I held with XXXX XXXX, and referenced an outstanding debt of XXXX. I have written confirmation from XXXX XXXX XXXX that my auto loan was paid in full effective XXXX XXXX - it appears that XXXX XXXX XXXX XXXX XXXX gained the information about my automotive loan through a review of my credit file via the XXXX XXXX XXXX XXXX ( found via a review of my credit reports completed on XXXX/XXXX/XXXX ). 

I have written a notification to dispute the validity of this debt, and will be sending it via certified mail within the next 1-2 days.
I am a customer of Rushcard. On XXXX/XXXX/15 my employer direct deposited {$400.00}, however, on XXXX/XXXX/15 there was a deposit reversal done by this company not my employer. I simply want my money back. It is mid XXXX and I still cant get through to customer service and I have no idea how to get information on my funds.
USAA restricted my ability to access their banking website after i filed bankruptcy. 
Is this legal? I ca n't make deposits or set up electronic bill payment or transfer funds from trading accounts to bank accounts. I want to be able to access and manage my accounts through their main website.
I did n't recollect owing XXXX these bill that XXXX and BUSINESS ASSURANCE RECOVERY which are the same company anyway according to my research but try to scare tactic people by modding the water and act as XXXX different entity to XXXX people up.
A foreclosure notice was issued in the XXXX, AL newspaper about my home. Until then, I had not received any notification from the mortgage holder, Greentree. After approximately five weeks of talking to Greentree representatives and the foreclosure attorney, I submitted the full amount of {$22000.00} to bring the account current. However, the payment was not accepted, and foreclosure proceedings continue. I 'd spoken with XXXX on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 and understood that a stay would be issued. 

I would like to stop the process and keep my home at XXXX XXXX XXXX in XXXX, AL.
XX/XX/XXXX a company well bank called synchrony Bank did a hard inquiry on my credit stating that I had put in an application with them and was denied I never put in an application for anything with his company and I've never even heard of this company / Bank!!! I've been called the company to resolve this matter and they claim they didn't even have me in their system and had no information on me but they sent a letter to my home address so I do not believe that. I contacted XXXX to get this off of my credit but they claim because it wasn't on my actual report and it was a hard inquiry I could not get it off without contacting the police or getting a letter of deletion from them which synchrony Bank is refusing to give me because they claim they don't have any information on me but they're lying. this is happened to multiple other people I have googled this issue and I want it taken down immediately
Auto loan with Suntrust Bank. Original Loan amount was reduced because I cancelled a car service package, but the bank never sent information about how the payments will be modified. Paid on time every month for 50 months, more than the originally settled monthly payment. However, the bank never sent me a statement or account balance info. Automatic payments stopped by mistake after XXXX. Bank never contacted me, but reported late payments to credit bureau. Learned about that about 2 months later by checking credit report. Called bank to verify what 's going on and get the account balance. Bank claims they tried to contact me, but they do not have updated address ( strange because I requested address change to US postal service and I also keep on receiving checking account and loan offers from this bank ( I have copies of them ). They claim they tried to call me but they had a wrong phone number in file ( strange because it has not been changed and all info/negotiation was mediated by the car dealer and they have it all fine ). Bank claims they do not send emails for security reasons ( LOL ). I already paid full debt, but the bank claims late payments shall remain reflected in my credit report because it was my fault/neglect to contact them and keep track of what I owed ( 2months ). How can I know what I owe if the bank never send statements and refuses to do so? It is extremely difficult for a layout person to figure out an amortization table/balance after applying all those changes to the account. I had a pristine credit history before this issue ( above XXXX ), all debts paid full or before time, even during the incident with this bank. I am also currently leasing another car. Clearly the issue was because of lack of communication, not because of financial problems or neglect. I already finished paying whole balance, -6 months before due time. If all they wanted was charging late fees and other stuff they can keep it. It is unfair, but I do not mind. I just want them to remove the negative & false information they posted on my credit because it has nothing to do with my personality or my financial responsibility. They are the ones who hide account balances, I am not the one who play dirty games.
On XXXX/XXXX/XXXX, I opted to enroll in the TrustedID Premier identity protection service offered by Equifax in response to the Equifax data breach announced in XXXX XXXX. As of today, XXXX/XXXX/XXXX, the service is not accessible, as the TrustedID Web site is not functional. That is, when I click on the link in the TrustedID Premier product activation email received from Equifax, it returns an error message stating the site can not be reached. The same thing happens when I try to access the TrustedID Web site directly via an Internet browser. ( This is not a browser problem, as the browser accesses any other Web site I attempt to access. ) Equifax has not addressed the complaints on this issue that Ive sent them directly by email. Further, there is no message or status update to consumers regarding the issue on the company Web site. To sum up, Equifax is failing to provide a service as advertised : A service essential to helping consumers protect themselves against the potential fallout of the companys failure to protect consumers sensitive personal information in the first place.
I WAS CHARGED ON XX/XX/12 FROM A XXXX XXXXXXXX FOR XXXX ON MY CITI MASTER CARD, AND ALSO CHARGED ON XX/XX/12 FROM XXXX XXXX FOR XXXX ON MY CITI MASTER CARD  OLD CARD # XXXX. I HAVE NEVER DONE BUSINESS WITH ANY OF THESE COMPANIES AT ALL AND I NEVER AUTHORIZED ANY OF THESE CHARGES AT ALL. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME AND THIS IS SENIOR ABUSE PLEASE HELP ME GET MY MONEY BACK.
I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Transunion, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX,
A California attorney and/or debt collector by the name of XXXX sent a letter to my place of work indicating that she would be suing them on behalf of ECMC. She sent this letter on XX/XX/XXXX, and it was received on XX/XX/XXXX ( letter attached ). She indicated that she was going to sue the employer for a " debt '' that has already been dealt with by more than one complaint filed with the CFPB. She received immediate communication back on XX/XX/XXXX. In addition, ECMC had claimed that it had retained California attorney, XXXX to defend it against FDCPA claims. XXXX office was contacted, and they continued to claim that his law firm was handling the matter and that there should n't be another attorney. Without respect to the confusion that was caused, multiple email forwards were sent to XXXX indicating that I do not have any debts owed with ECMC. She was told that she was not to contact my place of employment via certified mail, telephone, email and facsimile. She was immediately sent documents indicating that there was no Administrative Wage Garnishment in effect and that there was, therefore, no potential claim against my employer. Nevertheless, she still contacted my place of employment on XX/XX/XXXX, emailed the CEO, and spoke with the CEO twice. She then claimed that she would also be contacting the payroll company. After receiving a Cease and Desist and Notice of Intent to Sue, as well as having complaints filed with the CFPB, ECMC and its agents have contacted my workplace a minimum of an additional seven times and have contacted my former college to attempt to obtain records. Unfortunately for them, the records of the college - which have parts blacked out by either ECMC or the college - reveal that I was fraudulently classified as a law student ( I never applied to law school, and I, therefore, certainly did not attend law school ) and show that I made direct payments to them. This corresponds with my own receipts for payment, which I ordered a hard drive reader to be able to produce for their former attorney, XXXX. ECMC - under threat of lawsuit - and with direct proof of fraud, will not stop. Not only that, this situation has become much worse because my work has been contacted more times now than before I filed with the CFPB, and I have had to research additional agencies to turn to to receive assistance. This is consuming unbelievable amounts of time, and there is no way to achieve a permanent solution. It is absolutely horrifying that you can have a debt collector create this much harm without anyone doing anything to stop them. They need to be put in jail, and this needs to be considered a crime punishable by jail time, because they have literally stolen my money and are attempting to do so again.
I have been on a payment plan for my student loan for almost 11 years, working for a XXXX company that qualified and verified me for the PSLF program. I checked with the loan servicers ( XXXX ), and the said that I have been making the proper payments to qualify me for this, that I should be at the payment requirement within the next few months. I had recently had my monthly payment increase again, so applied for a lower monthly payment plan, which I was moved to for a few months - then upon finding out about hte PSLF program, I had it moved back toan eligible payment plan, as I was told that it was on before the change - for the past 10 years. 

After verification by the new servicer, fedloan servicing dept, they claimed that I have only made 5 eligible payments over the 10 years I have been repaying the loan. When opening a chat session with support they said they solicited a canned response and promptly ended the conversation when I requested that this issue be escalated to a higher up. 

So now, they are saying that my loans wont be eligible until XXXX, by then they will have been paid of - making this program effectively useless for me.
XXXX XXXX is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number XXXX
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Equifax absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Accounts Listed Below need to be deleted from my credit file : XXXX XXXX XXXX XXXX - ( Collecting for XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX : Identity Theft Report Copy of Credit Report Police Report for ID Theft
Wakefield and Associates are trying to collect on a debt not owed to them. There are 3 accounts listed on my credit report in the amounts of {$840.00}, {$99.00} and {$480.00}. I wrote to them to request validity of proof of services, and they returned a generic bill saying " Emergency room visit '' which I do not acknowledge.
I saw on my credit report I have a debt with an apartment complex called XXXX XXXX   for XXXX  and it was taken over by National Credit System.I was never notified of this before going on my credit report and nothing was sent to me.The original creditor has no proof of this debt and nothing had been sent to me with my signature.Or anything showing charges as well.This is effecting my credit and future for myself.Ive been back and forth with this company due to not showing proof or my signature or any information with my signature of ID.
I own a small XXXX XXXX XXXX that uses this company called XXXX XXXX XXXX XXXX as my credit card processing company. I found out last month that since my account was created back in XX/XX/2014, every single XXXX XXXX charge that I ran never made it to my bank account. The funds remained in a holding account of this company. Now that they have owned to there mistake, they need to pay up. However the company is now telling me that out of the agreed {$53000.00} amount that we both found to be owed, they will only pay half of it because there policy is only to go back 3 months. This is illegal for them to keep those funds. On top of it all, I paid taxes on that income that I never received because I file taxes based off of my management system. My system showed the income however in reality I never received the funds. Please help me this is a monster company to be doing this to a one man shop. They should have insurance in place for these errors. Which I have asked for a copy of the policy and they do not give it to me. Please help me get my money back, this is hard worked for money by myself. Company name is XXXX XXXX XXXX, DBA XXXX XXXX XX/XX/XXXX.
Receiving calls everyday and sometimes up to XXXX or five times a day! I explain over and over payment set up already on their system! I have never missed a month but they call if you are three days late! I feel they need to review their processes because it is harassment as much as they are calling and their workers or not notating call!! XXXX
I disputed a judgment that is not mine to Equifax. It has been six months andI still have not received my results. Equifax just keep saying that it is pending. XXXXI was denied credit because of this error.
Six years ago I contacted XXXX XXXX because I was struggling to make my payments and had fallen behind. I called into XXXX XXXX to discuss options for lowering my payments. I was informed that my only option was to sign up for forbarence and defer my loan for two years. This is not what I wanted to do because I want to actually pay this loan off, but no other option was given to me so I agreed. For two years I made interest only payments. It appeared that if I payed more to my account some principle was applied, however it did not seem to make sense as to why sometimes it was applied and other times it was not. 

Once I had passed through the two years of forbarence regular payments resumed, although now higher than before. I was pretty much in the same place I was two years before only now with a higher monthly payment. I tried to go along and make as many payments as I could but eventually ended up in the same place of falling behind. I called XXXX XXXX again and asked for options. This was around 2014. Forbarence again. Same deal as before. I just came out of that a few months ago. My payment is now, of course, even higher than before. 

Since I work for the XXXX I called and inquired about the loan forgiveness program. I already have 5 years of public service in so I thought this would be something to look into. I was told that this program would not work for me and the payments would be the same. So I continued to pay as long as I could until I was faced with the same situation again. 

I just called Navient a week ago and was put on a new repayment plan that will last for two years. It 's pretty much the same package as before but I am told that additional payments will be applied to the principle. I have yet to make a payment on this new plan yet. 

My largest issue with the past action on my account is the fact that I did not want to go into forbarence. I just wanted to lower my payment and continue to make progress on paying this amount off. All that happened was the can was kicked down the road and no progress was made.
I am a victim of identity theft ; someone that I know stole my name and social security number and used me as a cosigner, without my authorization, to get a XXXX XXXX student loan. I took all of the necessary and required steps to report this fraud to Navient who now manages the loan. The investigator in the Navient Fraud Department assigned to my case is named XXXX. She is in a position to determine whether a loan now worth nearly {$25000.00} - fraudulently attached to my name - is to be removed from my record ; she has been dishonest and incompetent. She made the decision to deny my fraud claim without ever contacting me even once to discuss any of the evidence or circumstances involved in the case. 
I called her today ( Thursday XX/XX/XXXX XXXX XXXX ) and many of the things that she told me on the phone made it clear that she has not reviewed or considered many of the facts of this case. For example, she told me that all of the information on the loan application form was accurate, when this is obviously and demonstrably false : the phone number, e-mail, and employment information given on the form are all falsified. When I pointed this out to her, she would not address it. She said to me " I called the number of your employer listed on the loan application form, and I got a voicemail greeting with your name. '' This is not only false, but impossible. Not only have I had no professional affiliation with that employer XX/XX/XXXX, but when I did work for them, I was XXXX, and I never had a phone number or voicemail linked to their company. What she said was a complete lie. 
The person who stole my identity also opened a loan with another bank. That bank investigated the fraud, determined it was valid, and ruled in my favor ; they removed me from the account. When I tried to present this fact to XXXX as evidence that there is an obvious precedent for the fraud perpetrated against me by the borrower, she told me that this was irrelevant to the case. 
When I told her that I had incriminating text messages from the perpetrator of the crime in which he indicates that he has indeed committed fraud against me, XXXX told me that this was also irrelevant and would not effect her decision. 
When I asked her specifically whether, in her expert opinion, the signature on the loan application form in any way resembles any of the multitude of signature examples that I submitted to her, she again implied that this was irrelevant. 
Her justification for disregarding all of these things was because 1. I did not report the fraud immediately once I discovered it, and 2. I both made and received phone calls with the lender discussing the status of the loan and the payment history of the loan before reporting the fraud. Neither of these things provide any legal standing for her to deny my fraud claim and to not investigate it properly. 
I feel that this person, XXXX, is not competent to investigate my case, and I feel that these things should be reported and addressed.
I am a victim of identity theft and noticed a collection from AMSHER COLLECTION. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMSHER COLLECTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you