WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to purchase some clothing on XXXX from what seemed to be a ligit website on XX/XX/2018. The seller offered 3 different payment methods, XXXX, XXXX XXXX, money order. I chose XXXX because I figured a bank was involved so it has to be credible, after speaking to the seller via text and placing my order once I transferred the {$250.00} the seller seemed to stop responding to me so the next day the name of the website was changed from XXXX to XXXX, so I called the bank wells fargo and reported it they pretty much told me their not responsible because I authorized the transaction my claim # XXXX I also made a police report # XXXX. These banks are allowing criminals to use their establishment to commit crimes and dont even investigate it. My name is XXXX
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX    XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. CHASE CARD View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type - Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit {$20000.00} Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
QWR " Qualified Written Request '' under RESPA - 12 U.S.C. section 2605 ( e ) : SPS Select Portfolio Servicing submitted false/incomplete answers to CFPB, homeowner and homeowner 's attorney in response to QWR sent in XX/XX/XXXX, and again in response to second QWR ( follow up ) XX/XX/XXXX. SPS Select Portfolio Servicing 's unlawful/dishonest acts continue to cause harm to homeowner. SPS appears to attempt to commit fraud upon the court ( and CFPB ) by its non-compliance with federal rules, and continued willful violation of guidelines as provided under RESPA.

To date, SPS Select Portfolio Servicing has failed to provide full, accurate and truthful ledger ( accounting ) to CFPB and homeowner as lawfully required via QWR ( s ). As of Friday XX/XX/XXXX, SPS Select Portfolio Servicing still admits to homeowner that they do not possess accounting for XX/XX/XXXX through XX/XX/XXXX, and other QWR documentation requested, stating they have " requested the information and are waiting for response/documents ''. 

In the interim, SPS and attorney XXXX XXXX XXXX continue to schedule Foreclosure actions, knowingly without providing homeowner, homeowner 's attorney and CFPB with full disclosure, accounting and response to questions submitted in QWR. SPS and it 's attorney of record, XXXX XXXX XXXX scheduled another sale date of XX/XX/XXXX with full knowledge that they did not comply with QWR disclosures and responses to CFPB. 

On XX/XX/XXXX, at approximately XXXX, XXXX XXXX 's office confirmed the sale would not take place after receipt of homeowner 's letter ( see attached ) regarding SPS missing ledger items, missing documentation and failure to abide by law. SPS, XXXX XXXX, and all associated parties are hereby requested to Cease and Desist scheduling any further foreclosure sale dates at this time. 

Homeowner requests full disclosure and federal assistance in obtaining ALL of the documents requested in the QWR ( s ) previously sent by XXXX XXXX ( see attached ), in addition to potential fraud investigation as related. Homeowner requests CFPB 's assistance in resolving questions related to predatory lending, validity of SPS claims, complete accounting, FDCPA compliance, TILA, Security Deed, Servicing Documentation and all tangible ( original ) documentation as requested.

Homeowner hereby requests imposition of penalties and fines to be placed upon SPS and its affiliates, as provided under RESPA, for failure to respond accurately within 60 days from the original QWR. Homeowner requests investigation of any and all FDCPA related practices, fraudulent business practices and any other relief due to SPS and associated parties continued failure to truthfully respond. SPS and its affiliates obligated to respond to QWR have failed to provide true and accurate documentation to verify and/or support their claims. Relief under any/all federal law to protect homeowner is hereby requested. 

Re-submission of attorney XXXX XXXX 's QWR ( s ), as attached, has been sent to Select Portfolio Servicing via Certified and Fax Delivery, and shall serve as a third request for QWR compliance.
I first launched a dispute with Experian back on XXXX XXXX, 2015 when I discovered XXXX accounts on my credit that were not manufactured by me. Unfortunately something that I thought would take about 45 days to clear up has gone on for almost 9 months. I really feel like I am being ignored. I was advised to contact you first before I file a federal law suit. 
I am disclaiming the following XXXX entries on my credit and request that they are removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Tranunion has " XXXX XXXX '' listed as an employer on my report wich is incorrect.
Since XXXX of XXXX I have persistently been in disputes with XXXX, XXXX and Equifax along with XXXX collection agency in regards to reporting an invalidated account.Every month since initial contact in XXXX all three credit bureaus states that " they '' have verified the debt. This is impossible! Reason being is that I have sent certified letters to XXXX to fully comply with a validation of debt in the amount of {$1400.00} and also just because this account is damaging my credit file, I have requested twice by letter for a settlement. Till this day, XXXX has ignored all my letters and only respond by telling me that they purchase this account following by billing statements dated from XXXX XXXX, XXXX with balance of {$3300.00} to XXXX XXXX, XXXX with a balance of {$4200.00}. This week I have sent all three credit bureaus an online dispute for immediate removal due to the fact that Portfolio is in violation of the Fair Debt Collection Practices and that they have FAILED to submit specific supporting documents as requested by consumer such as ; signed contract, payment history, proof of purchase from original creditor, etc. Secondly, it is absolutely unfair for XXXX and the credit bureaus to continue to report this collection after numerous attempts to settle have been made and the request for validation has not been validated! Either agree to settle Or STOP REPORTING!! It is so obvious that XXXX will not and can not validate this debt lawfully so the credit bureaus must delete immediately! Additionally, if the last billing statement balance is {$4000.00}, then how and why are you reporting {$1400.00}? Where 's the payment history? Where did this amount come from? Again, how did the credit bureaus validate this amount? Answer is, the credit bureaus did NOT investigate properly and reporting illegally. Enclose I am attaching all letters sent to XXXX and the letter and billing statements they sent me. Please accept this as burden of proof that I have done all that I know to do in efforts to resolve this matter as it has crucially affected my ability to show creditworthiness to other potential creditors and has exhausted me physically and mentally.
Equifax mortgage solutions continues to report incorrect information on my credit report.They are reporting items as late that I have not had since XX/XX/XXXX.My report changed within a month to reflect items that are XXXX yrs old to be reported as late payments as of XX/XX/XXXX.They have also added items that were previously removed due to being reported in error.This incorrect reporting not only caused me not to be able to obtain a mortgage but caused me to be place on un paid job leave for 90 days which will ultimately result in permanent job termination if the items are not corrected.I have been working really hard for the past 4 yrs trying to repair my credit and made sure every payment to every debt, credit card or loan I have is paid on time or early but all of my hard work has went down the drain due to the incorrect reporting and now I can potentially loose my job.
I had contacted the credit bureau in reference to these unauthorized inquires back in XX/XX/XXXX showing on my credit report. I was told to contact the companies and did so. I was told that there is nothing they could do. 

Creditors name : XXXX XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX/XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX  Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX XXXX  Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX Creditors name : XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX
My complaint is with XXXX more than my loan servicing company. When I was a student at XXXX for XXXX, I was lead to believe my loan repayment would be less than {$100.00} a month. This was the whole reason I signed up with them in the first place because they made it seem like tuition was going to be about as affordable as local schools were. 

Not only this but I had a host of other issues with them - including my initial advisor not changing my classes when I changed programs, resulting in me taking classes I was not required to take and then they refused to refund the money for those classes despite this being their error. New advisors constantly gave me the run around and I eventually had to drop out because I could n't keep wracking up even more debt due to their misleading practices and failure to " advise '' properly.
On or about XXXX XXXX I was in auto accident that totaled out my vehicle. id recently filed for bankruptcy that previous XXXX XXXX XXXX. My case had not been confirmed. XXXX XXXX XXXX refused to issue me the check for the totaled out merchandise. It is now XXXX it 's still reporting on my reports and I never received funds or replacement car. With having Full auto coverage at the time of accident.
My spouse added me as an authorized user to her Kays Credit Card Account through Sterling Bank! The bank closed the account! My spouse called to have me removed and they said I was removed but it is still on my credit bureau as an authorized user! I called Kays and they REFUSE to remove it!
XX/XX/XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XX/XX/XXXXin XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX
I recently started getting repeated calls from a debt collector regarding an outstanding balance of {$100.00} with XXXX. I have n't used XXXX in years and when I did, I paid my bill automatically. When I called XXXX, they could not tell me when I last had XXXX as my service provider. They said that the oldest records they have are from XX/XX/2013 and that the bill was from an earlier date. So they were unable to show me the bill. Also, is n't there a statute of limitations?
I have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : XXXX
Me and my roommate XXXX XXXX moved into the apartment which at that point was called XXXX XXXX XXXX. On or about XX/XX/2014. It is now called XXXX XXXX. So I check my credit a couple of years ago and it is on my report {$1300.00}. I have disputed this matter a couple of times. I filed a complaint through y'all just two or three days ago. Yesterday I called Mars Inc which is the collection agency. The representatives name was XXXX. She told me I was the leaseholder and XXXX XXXX was the occupant. This is a complete and total lie due to the fact my credit was not up to par to be able to sign the lease. I still live with XXXX XXXX and yesterday he got on the phone with XXXX and told her he was the one who signed the lease and I was occupant. She then says " okay so you want to take care of this dedt for her ''.? She was very rude and when he asked can she produce the lease she says once again so you want to pay the debt for her. Never gave him a yes or no answer that she can produce lease. This is the worst un professional agency I have ever dealt with in my entire life. It would be one thing if I was the sole lease holder responsible but I am not in this case and my credit as I said before was not good enough to be a leaseholder. Please please help me with this lying manipulative fraudulent company Mars Inc sincerely XXXX XXXX
The following companies unlawfully ran my credit without my permission. I did not apply for credit with any of these companies, neither do I have a credit card or business with them and I've been desperately trying to get them to remove these unauthorized inquiries from my Equifax and XXXX Credit Reports. I have contacted the respective credit bureaus first and was advised I would need to make contact with each vendor individually to request these unauthorized inquiries be removed from my credit report. Although this has been a huge hassle, I have contacted each vendor on multiple occasions for months now unsuccessfully pleading my case with no relief. Bottom line is I did not apply for a credit card, auto financing, and/or any type of housing with any of these vendors on or about these dates whatsoever and I am seeking your assistance in getting them to remove these unauthorized inquiries from my credit report. 

Equifax Report Unauthorized Inquiries : 1 - XXXXXXXX XXXX, Date : XX/XX/XXXX ( National Credit Card Cos ) 2 - XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX ( Television & Radio )  3 - XXXX, Date : Date : XX/XX/XXXX ( Miscellaneous Reptg Agencies ) 4 -  XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 5 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 6 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 7 - XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 8 - XXXX XXXX Date XX/XX/XXXX ( Auto Financing ) 9 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 10 -   XXXX XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 11 - XXXX XXXX   Date : XX/XX/XXXX ( Bankcard ) 12 - XXXX XXXX Date : XX/XX/XXXX ( Real Estate sales/Rent ) 13 - XXXX Date : XX/XX/XXXX ( Variety Stores ) 14 - XXXX Date : XX/XX/XXXX ( National Credit Card Cos. ) 15 - XXXXXXXX XXXX XXXX XXXX   Date : XX/XX/XXXX ( National Credit Card Cos. ) 16 - XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX ( National Credit Card Cos. ) XXXX Report Unauthorized Inquires : 1 - XXXX Date : XX/XX/XXXX ( Finance ) 2 - XXXX Date : XX/XX/XXXX ( Finance ) 3 - XXXX XXXX Date : XX/XX/XXXX ( Finance ) 4 - XXXX Date : XX/XX/XXXX ( Misc. ) Any assistance your agency can provide with assisting me in getting these companies to remove these unauthorized inquiries from my credit report is graciously appreciated.
And yet again, Portfolio Recovery sends me ANOTHER LETTER SAYING IT IS IN REGARDS TO A DISPUTE AND I NEVER FILED A DISPUTE. These people are doing this because they really think I 'm going to pay some amount to them I DO NOT OWE!!!!!!!!!!!!!!!!!! 

Funny how their proof is some old credit card statement they dug up but they can not and will not send proof of my supposed disputes ... why is that? Because THEY ARE LYING!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

STOP.CONTACTING.ME.FOR.THE.LAST.TIME!
On XX/XX/XXXX I purchased a refrigerator and I qualified for {$6000.00} no interest for 24 months credit card that I'd be able to utilize anywhere. The refrigerator insurance was for 3 years and it broke down on XX/XX/XXXX and was replaced on XX/XX/XXXX. According to the policy, the company was supposed to replace the refrigerator in a quick manner, which was not respected, we were without a refrigerator for 50 days. The insurance covered {$280.00} for the food that spoiled in the refrigerator. By XX/XX/XXXX the account balance had gone up to {$10000.00} and they had already cancelled my card. I kept calling the company but they wouldn't answer my calls. On XX/XX/XXXX they answered me and the representative I spoke to said that if I made a {$1000.00} payment my account would go back to it's rightful amount of about {$5000.00}. Therefore, I made a {$1000.00} payment and my balance is still {$7000.00} and requesting a {$840.00} deferred payment. Amongst all this, I had been making my regular minimum payments of {$120.00} up until XX/XX/XXXX.
Experian is reporting my score by over XXXX points. Compared to XXXX and XXXX. I have all three reports matched up and they are all the same as reported.. They are killing me and tells me I was 60 days past due but does not show it in there report from any account.
In early XX/XX/XXXX, I purchased 5 {$50.00} American Express gift cards at XXXX. 
I lost one of the five {$50.00} cards on XX/XX/XXXX and called to say that I had lost one of the cards the previous evening. I did not write down the numbers on the card but kept the stickers on each of them. The representative took the information down and verbally indicated that I would be reimbursed. 

I subsequently have received at least four letters from American Express asking for documentation to support my request. The final letter dated XX/XX/XXXX indicated the receipt does not match. The Reference Number from American Express is XXXX and they will confirm that they have requested and I promptly responded to every request. 

The letter sent by AMEX does not have a phone number so there is no one I can call to discuss further. I was hoping that you could help me in resolving this issue. Thanks
On XX/XX/XXXX, I attempted to temporarily lift my Equifax credit freeze. When attempting to complete the process online, the form prompts me to use my already established myEquifax account. Upon logging in, I get an error " We are temporarily unable to complete this request. Please try again later. '' I have had this same error in the past and filed complaints about it. It is almost like Equifax has locked me out of my account and will not fix it. I demand access to my myEquifax account as I should have a right to temporarily lift my credit freeze on demand like with XXXX  and XXXX.
I am a victim of identity theft. I have a fraudulent and unauthorized XXXX credit card account listed on my XXXX XXXX, XXXX and Experian credit report. The XXXX credit card account ending in : XXXX with a balance of {$6000.00} is fraudulent and unauthorized. The account do not belong to me. I did not apply for the XXXX credit card account ending in : XXXX. I have never applied for a XXXX credit card account.
On XX/XX/XXXX, I went to the emergency room at XXXX XXXX Hospital in XXXX County VA. In early XX/XX/XXXX, I received a bill for over {$3000.00} for services from XXXX XXXX XXXX ( XXXX ). 

My medical insurance provider told me not to pay the XXXX bill as it was a double-billing issue. XXXX sent the billed amount to a debt collector in XX/XX/XXXX and the amount in dispute was listed on my credit report as a collections. 

The issue was not with my medical insurance provider but with XXXX. XXXX was attempting to collect an amount not owed by me. My medical provider stated that XXXX was contractually bound to accept agreed upon payments for services rendered and nothing more.

I feel that there is an on-going fraudulent business practice by XXXX by trying to collect additional dollars for services covered ( and paid ) by medical insurance providers.

XXXX finally accepted payment in late XX/XX/XXXX by my medical insurance provider but not before I was hounded by dept collectors and a negative collections account was placed on my credit report.
CFPB # XXXX Medical Bill {$710.00} XXXX XXXX Client Service stated in the complaint, a deletion update will be sent the three major credit reporting agencies for the account that is listed in this complaint. SSN last 4 digits XXXX. Account number. XXXX XXXX