WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, I 'm writing to you with the hopes that you will be able to assist me and my family with an undocumented and improper sale of my home. I have worked tirelessly for the last two years, submitting documentation, fulfilling every request on behalf of Carrington and those requests have gone unanswered. <P/>I have been misdirected, misinformed and flat-out lied to. I 'm well aware of the fact that Carrington has a very dubious and nefarious reputation with homeowners and I have been subjected to this same. <P/>Below, is a timeline of all of my efforts to resolve the Foreclosure matter amicably, with Carrington. At this moment I am post-sale - the sale occurred on XX/XX/XXXX, but I 'm hoping that you will be able to convince them to vacate the sale and come back to the table and negotiate with us. <P/>I 'm in a financial position now where we can meet our obligations with them. My contact information is included in this complaint, but my cell phone number is - XXXX. <P/><P/>Thank you! in advance for your assistance with this XX/XX/XXXX- Starting having marriage problems XX/XX/XXXX - Became unemployed XX/XX/XXXX - RMA package sent XX/XX/XXXX - Letter received from Carrington requesting benefit award letter, lease agreement, RMA form, and expences. Proof of occupancy and food stamp/welfare award letter. I spoke with them on the phone and they said all forms were good because of no leasee or receiving food stamps XX/XX/XXXX - sent revised RMA package XX/XX/XXXX - Carrington canceled the RMA via phone XX/XX/XXXX - became employed still kept phone contact with Carrington XX/XX/XXXX - Paid 3 months of mortgage payments XX/XX/XXXX - laid off from job because of slow work XX/XX/XXXX - RMA started, again XX/XX/XXXX - received letter from Carrington needing most recent bank statements, rma handsigned and dated form, and P & L statement for 3 months XX/XX/XXXX - Sent P & L,XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX bank statement, and handsigned form XX/XX/XXXX - letter from Carrington needing VA benefits and P & L ( letter of explantion ) XX/XX/XXXX - sent payroll from XX/XX/XXXX-XX/XX/XXXX, VA award letter, letter of explation, XXXX tax form XX/XX/XXXX - letter from Carrington. Notification that they did not receive all documents needed to complete review/ cancelled modification request. However, they did get all documents requested. They also canceled. the RMA without my knowledge saying my VA award letter was outdated XX/XX/XXXX - received debt collection letter from Carrington XX/XX/XXXX - recieved fair debt collection letter from XXXX and XXXX XX/XX/XXXX - certified Letter in mailbox dated XX/XX/XXXX from XXXX and XXXX stating the property is scheduled for sale on XX/XX/XXXX at XXXX XXXX XX/XX/XXXX - letter from XXXX XXXX XXXX XXXX - Notice of demand for possession
XX/XX/XXXX-18 Attempted on-line purchase of a dietary supplement ; vendor response : order not completed, try later. Subsequent confirmation ( {$89.00} ) to which I responded " Do not send. '' Product received. I initiated a dispute with PayPal, requesting the {$11.00} shipping be refunded in addition to the product refund. XXXX18 acknowledgment of receipt of case XXXX. I responded with submitting a UPS receipt superimposed on XXXX XXXX dated XXXX-18 that was rejected ; case decided against me. I requested the case re-opened, received confirmation of initiating a dispute XX/XX/XXXX-18. I submitted the XXXX confirmation of receipt, vendor order, and PP confirmation to what I learned is a separate non-communicating entity of PP that reimburses shipping on XX/XX/XXXX-18. Shipping reimbursement confirmation received XX/XX/XXXX-18.  The case was not re-opened, and PP is demanding I pay {$78.00} or the " debt '' will be sent to collections. Clearly, if I am reimbursed for return shipment, I sent the product back. The resolutions agent I spoke with suggested I go to XXXX where the charge had been placed originally ; the XXXX charge, however, was cancelled. It is PayPal I must deal with. I can not even re-send my receipts to them. Impossible, non communicating, arbitrary company.
In XXXX of 2018 I disputed an account with the Credit bureau, The inaccurate account is XXXX XXXX # XXXX. Well XXXX, XXXX, Equifax responded back saying that the account was verified. Well as a consumer I am entitled to send the original creditor a Debt Validation letter. I Sent a certified letter to XXXX XXXX to the address listed on my credit report. I have that right under the FCRA ... I sent XXXX  XXXX  the certified letter on XX/XX/2018 XXXX  XXXX received the letter on XX/XX/2018 at XXXX XXXX. They had 30 days to send me the debt validation. Well today is XX/XX/2018 and XXXX XXXX has failed to send me what I requested and this is against the law. I am a consumer and I have rights also,,, ,the original creditor should have responded to me letter and they refused to.its been past 30 days and they have violated my rights under the FCRA . I have all rights to sur under the FCRA. I the consumer sent in debt validation letter to the original creditor and they refused to respond to me and they are still reporting to the credit bureaus and this is a violation of the FCRA I am entitled to {$1000.00} for the violation, I would like for the account to be removed from my files since the original creditor didn't send me the debt validation I am entitled to see information on the alleged account before I make any payments on a account that's isn't mines so I did what was right to request the debt validation and XXXX XXXX failed to send that to me so,, to all 3 credit bureau yall need to remove this account asap or I will be filing a suit. they had 30 days and they failed and refused to send me what I am entitled to see. please remove this account XXXX, XXXX, Equifax. I have attached a copy of the certified mail receipt and the letter that was written by me to XXXX XXXX   and attached is a copy of the delivery notice that the company received the letter.
Trying to purchase a radio from a person on XXXX and my contact is know not answering her text messages after receiving monies.
There was some fraud made on XXXX as someone tried to make accounts under my name. XXXX said they would tell XXXX  to remove the following the hard pulls as I did not authorize them. XXXX also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
I try to get few charges on my credit report that aren't true but. XXXX XXXX XXXX and XXXX XXXX bank. Keeps lying about this issues credit one bank claimed tha I have a contract with them but the don't bring the prove the haven not bring anything to provided it that why when I closed my account I was to finished pay what I used to owe them but the. They started to add more money late fees anual payments i have tried to resolve this issue bit they don't care they damage my credit becouse their fraudulent way to add money I would not pay money I don't owed them they are taking advantage of my situation the keep calling the house late night early in the morning non-stop I did a complaint with my credit report agencies but they side with them they didn't get any given any proved about the challenges but. They didn't remove it from my credit report non of them care
I ' am writing to complain about Simm Associate Inc Referance number XXXX and XXXX. This collection agency engaged in the following unfair and abusive collection practices specifically prohibited by the Fair Debt Collection Practices Act, 15 USC 1692. I received two calls on XXXX XXXX, 2016 at XXXX XXXX and XXXX XXXX from XXXX XXXX to inform me she contact my employee and verified I was an employee. She advised me the call was record on both calls. She did not verify my information on both of the calls. She made repeated and continuous calls to my cell phone and my place of employment. I also received an anonymous 3rd call on XXXX XXXX, 2016, but I hung up on her, after she stated her name. The calls were harassing and she misrepresented her self. The first call she stated she was with a law offices. 2nd call she stated there was no attorney working in the office. I tried to explain to her over and over that I did not signed for the debt she is collecting for she repeatedly talked over me. During the call she tried to me she had discovered information from my POE that could be used against me or valued to collect debt. During the call I also advised her to contact my attorney regarding bankruptcy. I was informed that the private student loan was covered under my bankruptcies. The 3rd time I spoke to XXXX XXXX I called the office to advise her that I was disputing the account and to send validation of debt. I called back 3 times to request an supervisor. The first time she hung up on me after I advised her who I was. The 2nd time I spoke with a gentleman he hung up me and I heard them and the background talking stating not to talk to me. 3rd time she hung up on me. These calls was made XXXX XXXX central time. Final call I spoke XXXX XXXX supervisor and advised him of the calls.
XXXX XXXX is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date. 

Payments dates are as follows ( see attached doc ) : XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 I spoke with representatives with XXXX XXXX and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by XXXX XXXX. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the XXXX XXXX and XXXX XXXX.
I am filing this complaint because Experian has ignored my request to provide the documents on file that they have on file that was used to verify the accounts I am disrupted. Being that it 's been past the 30 day mark and they can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter as soon as possible Thanks
I missed a call from a number originating from my home state. Caller did not leave any information at all. I tried to call number back and was put on hold by an automated message system that did not identify itself, company, or purpose of the call. A representative then answered and was extremely hostile. I was trying to find out what this call was specifically about. The caller then started to tell me about some Loan debt, to which I replied I am already being garnished and that I had spoken with another student loan company about making payment arrangements for the remaining loans. The loan ( s ) that this representative spoke about was unknown by me. The caller was becoming verbally hostile and I was only trying to hear more information about these mysterious loans that were under me. The caller then started to tell me about my " poor life choices '' and that I needed to pay these loans immediately. I asked repeatedly to be sent a " Letter of proof '' of these loans. The caller then rudely hung up on me.
On all 3 of my credit reports Wells Fargo reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because Wells Fargo know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since Wells Fargo had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against Wells Fargo. The information by law should be removed until the litigation is completed.
I called SW Credit Systems LP regarding this dept from XX/XX/XXXX. The representative for SW Credit Systems explained this debt was generated in XX/XX/XXXX - then passed along to them. Therefore, this was placed in collections by XXXX in XX/XX/XXXX - 2 years and 7 months later. 

I had no idea this debt was lingering for this amount. Therefore, XXXX DID NOT alert me to this - then I moved/divorced my husband so no other notice was forwarded. The equipment was returned promptly as when he began his service.
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX - XXXXXXXX : Unverified account XXXX - XXXXXXXX : Unverified account XXXX XXXX - XXXXXXXX : Unverified account XXXX XXXX - XXXXXXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified information
I am disputing inaccurate collection account listed on my Experian credit report. The inaccurate/fraudulent collection is from a company called XXXX XXXX XXXX.
This account XXXX/XXXX is been on my credit report since XX/XX/2010 almost 8 years and is affecting my credit score. Please remove this old account from my credit report.
Portfolio Recovery states that I owe them {$1100.00} acct number XXXX on XX/XX/18. I do not owe this debt and please have them remove it
I have sent several documents showing the credit bureaus that the following accounts were deleted from my credit report from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX- listed before as XXXX XXXX XXXX XXXX ( Experian ) -this company notified all credit bureau informing them of fraudulent charges XXXX XXXX Accounts- Unauthorized signature on Loans from XXXX XXXX University and XXXX XXXX. XXXX XXXX- I have one account not ten XXXX XXXX accounts were sent to collections violating HIPPA. 

The accounts were added back to credit reports. This has stopped me from becoming a home owner. 
Please investigate this matter because I have requested the original documents with signature but the credit bureaus are refusing to provide this information. I feel this is discriminatory and bias. No one should have to send documents on top of documents and the information is still on the credit report. In addition to this, I am told to contact the creditors for documents. Why is this? A consumer reporting agency suppose to provide that information. According to Section 609 ( Every consumer reporting agency shall, upon request, and subject clearly and accurately disclose to the consumer.
MY INTEREST RATE IS THROUGH THE ROOF AND MY PAYMENTS GO TO INTEREST AND HARDLY ANY OF THE PAYMENT GOES TO PRINCIPAL. I HAVE BEEN PAYING IT FOR 11 YEARS AND IT IS HIGHER THAN THE ORIGINAL AMOUNT I TOOK OUT.
I have disputed the late payments on XXXX XXXX XXXX XXXX account. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
In XX/XX/XXXX I disputed an account reported XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX XXXX, XXXX in the file that was maintain under my Social Security number for {$780.00}. 

I requested debt validation of the debt and after months of disputing this alleged debt it was deleted from my account under XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX by XXXX   and XXXX. 

Now I discovered that the item has been reinserted on my credit report by the same buyer ( XXXX XXXX XXXX XXXX, XXXX ) who moved it to an associated collector XXXX XXXX XXXX. This collector refuses to give appropriate debt validation and mentions that they are closing the inquiry that I requested on their XX/XX/XXXX correspondence ( attached ). 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA. XXXX XXXX XXXX attempt to override the law by reporting this alleged debt on my credit reports under their company XXXX XXXX after it was removed by both bureaus as XXXX XXXX XXXX is unconscionable. Unfortunately, the credit bureaus did not inform me of the reinsertion is even more regrettable. 

Therefore, I request that the credit bureaus delete XXXX XXXX XXXX from my account as it is related to XXXX XXXX XXXX ( which was previous removed ).
In    XXXX  2016  I  went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.
XXXX XXXX XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX XXXX XXXX signed a consent agreement on XXXX XXXX, 2015, with the Consumer Financial Protection Bureau because of their illegal and deceptive debt collection practices. Under the consent agreement, XXXX XXXX XXXX is to provide consumer refunds and correct credit reports for those consumers. My situation falls under the consent agreement and the collection account needs to be deleted from my credit report immediately. XXXX XXXX XXXX used deceptive and illegal debt collection practices to try and collect on the account they placed on my credit report. In addition, XXXX XXXX XXXX has incorrect information on my credit report which is a flagrant violation of the Fair Debt Collections Practices Act.
I 've contacted experian on several different occasions to let them know that my credit was ran several times over the span of months by XXXX and that i did not authorize those and they have stated that i have to contact the company. i explained to every agent that i have spoken with that i have tried and tried to get the matter resolved with XXXX and have been unsuccessful in doing so.
I received an email alert from XXXX that I had two ( 2 ) recent credit inquiries that I did not authorize. Both were considered soft inquires, but it is still unknown if account was opened in my name without my permission. 

The first occurred on XX/XX/XXXX by Check into Cash at ( XXXX ) XXXX in Tennessee and the second one occurred on XX/XX/XXXX by XXXX XXXX. I know the XXXX XXXX has been investigated in the past for this. 

Check into Cash is looking into this matter and because of the known past history of the XXXX XXXX, I did not contact them.
I filed a complaint with the Consumer Financial Protection Bureau against Capital One and then in retaliation, they shut down my credit card account. This account I've had for over 3-4 years, always paid on time with no issues. After I filed the complaint, they sent me a letter shutting me down.
Denied account with bonus offer. 
1. I responded to Wells Fargo 's {$250.00} bonus offer ( XXXX ) requiring an online application ONLY. 2. I submitted the very simple application and got immediate emails saying to wait a few days for a mailed-in packet, etc. I was provided an application reference number and the steps and timetable for the bonus. [ 3. The application included a question about a family address literally from the 1970s. ] 4. Later I received an email saying, oops sorry, but please go into a branch to " verify '' information. 5. I went into a branch and was NOT successful in completing the account despite the reps Best efforts, no explanation, except she stated than an account " XXXX '' could n't be verified. I 've never heard of an account or company with the initials XXXX. 6. The banker claimed to be unable to provide further details. 7. 8. The banker also stated that I would NOT be eligible for the bonus, as had told her that when I attempted to redo the application the Page is Not Found. 9. I used my XXXX account to fund the opening of {$50.00}, and it was not subtracted from my account. 
10. I am well aware of Wells Fargo 's extreme practices and discrimination, but I chose to go for the bonus anyway, as is my normal practice. My accounts are clean. My debts is XXXX. My credit score is excellent. So I am very interested to see their explanation for denial of services. Thank you very much.
The company, Portfolio Recovery, has been calling my number for 6 months from different phone numbers on a daily basis. I know that it is this company because when I looked up the numbers on the XXXX app, it recognizes that the phone number listed is a " spoofed '' number. They are using phone numbers that have the same area code and prefix or using phone numbers that belong to different companies. On XX/XX/18, they called using the number ( XXXX ) XXXX which belongs to XXXX XXXX ; ( XXXX ) XXXX. In XXXX, they called using the following numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. In XXXX, ( XXXX ) XXXX. 

If I owe them, I have yet to receive a written correspondence via mail. I refuse to answer calls of numbers that I do not recognize due to the many phone scams that are currently being reported on the news and consumer reports sites. When they call, they never leave a message. According to the XXXX app, they several people have complained that they are spoofing numbers, calling people with debts that do not belong to the person called, rude representatives, and calling without leaving messages
Lied about owner of school skipping town to XXXX and heed all records and the federal government was looking for him when I asked for copy of any and all school records told them I was filling for loan discharge they told me it did n't matter that the apps would be thrown in trash by the student loan people. I sent three apps in with a time span of 4 to 6 weeks of weighting for a response from the student loan pepole For each one. None came sent letter to student loan people reporting the story I was giving to them.as well asking about the loan discharge apps I sent threw the collections agincy.there response was that they are very Thorel in keeping records and had no record of receiving any apps from me and stated that there was no evidence of illegal activity going on with the school. This happened many years a go.I had no one to turn to or new what to do so I complied and continued to pay and I 'm still paying.there was not any thing done about my complaint to the student loan pepole.it was forgotten.I have been paying them money under false and miss leading information for years now.the collection agency never sent the apps to the student loan pepole.