WillisBack/dataset-financial-user-claim huggingface dataset:
COMMONWEALTH FINANCIAL XXXX I am sending this letter to you in response to your reporting of an account to my credit report. To my knowledge, I have never been notified that I owe you a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I request proof that I am the party which has a binding obligation to pay this debt and only by providing the following documents will legal validation be satisfied under the law. 

Complete balance and payment history, if any, to show amount sought is accurate ; the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX. 
Agreement bearing my signature where I promised to pay you or another creditor the alleged debt. 
The agreement granting you the authority to collect on this alleged debt and if purchased, proof of the amount you paid for the debt. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) - ( Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. ) Provide proof of XXXX delinquency and last payment date to original creditor, if any.I know my rights. I know that upon this notice you are required to cease all collection activity until complete validation is provided in writing. I know you must cease all phone calls to me whatsoever and may only communicate in writing to provide me complete validation or to notify me that you are closing the account and cancelling your collection efforts. I remind you that many courts have ruled ( XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT, XXXX, to name only XXXX ) that the reporting of a collection account to a credit reporting agency is also collection activity and therefore, since you have reported it you must have it deleted from my credit report. Simply placing an " in dispute '' statement to the credit report violates my rights under law. I would suggest you check with your legal department regarding this as I intend to hold you accountable should my rights be violated any further. 

It is my intention to enter into good faith negotiations to settle the debt in question only when and if proper validation is provided. I look forward to a speedy resolution of this matter.
In XX/XX/2016 I started getting monthly service fees on my Bank of America account. I have had this account for over 10 years and the only thing that has changed is I have been paying my debt down and some of the loans were sold to other companies. No disclosures were mailed to me to notify me of this sudden change. When I requested a research and fee reversal - my request was denied. I demanded a name of the manager or regional manager - that was also not given to me. I was told that there is no manager at this time at the location I went to. 
This was in XXXX, WA banking center on XXXX XXXX.
On a purchase contract with an offer date of XXXX/XXXX/16 when deciding between multiple offers XXXX XXXX, with Citywide Home Loans, represented to me as the listing agent that the buyer was pre-qualified and infact had been ready to close on a previous property that the seller backed out of. So he had already been all the way through underwriting, and that she would be able to close quickly. Upon that representation, her client 's offer was accepted. 

Two weeks later when the home inspection had not even been ordered I was asked for an extension on the inspections deadline and it came with finance and settlement extensions also. I was also informed by the Realtor ( XXXX XXXX from XXXX ) that the Loan Officer was handling the inspection in addition to the appraisal on the property and that she went out of town and that 's why the inspection had n't been ordered yet. 
The inspection was finally done on XXXX XXXX ( 3 weeks after going under contract ). 

Then a week later there was a request to extend the finance and appraisal deadline again, which was not accepted. 
I kept following up to request when the appraisal was complete, and was told that it had been done, that it was fine, but subject to a reinspection after the roof had been re-shingled. I let XXXX know when the roof was scheduled to be re-shingled and that she could order the " re-inspect '' after that. 

Yesterday, XXXX/XXXX/16, I called XXXX to ask if she already had the Final Closing Disclosure out to the buyer etc. and she told me that she was on her way to a funeral and would call me and give me the update afterward but YES, the re-inspect had already been ordered. She never did call me back yesterday. However, I did get a phone call several hours later from an appraiser who was NOT doing a re-inspect but infact setting up an appointment to do the actual appraisal for the first time. 6 weeks after going under contract. 

Today, after the agent reaching out to suggest we needed an extension, I let her know we would do an extension for a different loan officer, but not for the current loan officer who had lied about the loan process and status for 6 weeks. Not too long after I received a call from XXXX to inform me that there were some issues with the borrowers Chapter XXXX that would not be able to be overcome. 

It is my contention that XXXX XXXX : 1. Intentionally issued a false pre-approval. 
2. lied about the qualified nature of the buyer on the phone prior to going under contract. 
3. Failed to respect contract deadlines to protect the buyer 's earnest money. 
4. Falsely stated that the appraisal had already been done on multiple occasions. 
5. Incurred expenses to the buyer for inspections, lost earnest money, and potentially the cost of an appraisal for a house he was never qualified for.
My name is, XXXX XXXX XXXX, I live in XXXX XXXX, Kansas. On XX/XX/2018 I received a letter from the XXXX  XXXX XXXX out of XXXX XXXX, Kansas stating that I owe an outstanding balance of {$8100.00}, of which includes the {$2500.00} hiring fees of the person ( s ) attempting to collect on this debt. 
Outside my home people drive by yelling out, " You owe restitution '', " It has to be paid ''! 
I am harassed everyday of my life by this! At work I'm subjected to every inadequacy possibly imagined because of this. 
The real truth of this matter is that I am being wrongfully charged for this collection. I'm not responsible for this. I was assessed this fine by a Court because they had no one else to pin it on. I have been in contact with this Court multiple times, both via phone and email, to reconcile this matter but they determined that it would be best to just send it to the aforementioned collection agency. And I have been harassed about it, both in my professional life and personal life, everyday since.
When I go online for the Free annual credit report, the security questions provided by Equifax do not apply. In other words, the selections they give does not apply to my history and I choose the answer NONE APPLY. This happens every time I try to get my annual credit report. It is too much of a hassle to go get a copy of my drivers license, pay for a stamp and drop off the post office when I 'm in a rural area. I should not have to keep going through this when I am entitled to my annual free credit report.
Good Morning : My credit information was included in the recently disclosed ( XX/XX/XXXX 2017 ) Equifax security breach. I would like to place a security freeze on my credit file at the 3 major credit bureaus, but each charge a fee for this action. This action is wholly required due to Equifax 's failure to secure information, Equifax should cover all expenses incurred by consumers to protect their credit information for the rest of their lives.
I HAVE SENT IN ALL DOCUMENTS OF POLICE REPORT AND PROOF THAT I DID NOT INQUIRE FOR CREDIT WHICH I HAD XXXX XXXX WHERE I WAS IN ICU FOR ALMOST 3 YEARS AND SOMEONE HAS MY SOCIAL SECURITY NUMBER AND A COPY OF MY DRIVERS LISC WHERE I HAD TO GET A NEW DRIVERS LISC. I WILL BE FILING A MAJOR XXXX DOLLAR ALW SUIT AGAINST THESE CREDITORS.
We worked with a gentleman name XXXX XXXX at RH Funding for a mortgage upon putting an offer in for a home, then we worked with the manager XXXX XXXX. From beginning to end, RH Funding took advantage of us ( we do not understand the entire home process as well as some, as XXXX is a second language ). XXXX told my us that we would n't be able to get a loan anywhere else and we were really lucky to have gotten approved for an FHA loan ( who we were also told by manage XXXX XXXX was the go to go for these types of loans ). We believed that this was our only option ; RH Funding played on my our naivety to the home buying process. 
RH Funding would lose [ IMPORTANT ] papers that we sent them, so they would have to call and we 'd have to resend them. This happened at least weekly, until XXXX was FIRED about 4 months into the process ( and even a few times after to " fix the mistakes that XXXX had created ''. We were also told that he had manipulated/screwed up several other mortgage deals ). We had to extend the closing FIVE times. They talked us into an FHA loan, then told us we could n't move in until repairs from the appraisers reports were fixed ( which we were told the appraisal fee would be {$450.00}, but then that changed to {$500.00} after the appraisal was done ). Because we refused to make repairs on a house that was n't legally ours, the only other option aside from starting the process over was moving to an FHA XXXX loan, WHICH IS A HIGHER INTEREST ( almost 1 whole percent ), and delays the process unnecessarily. Oh, and costs another {$150.00} to rewrite the appraisal to fit this type of loan. 

XXXX, as the manager, kept placing the blame on XXXX, who certainly does play a big role in all the aforementioned issues. But as the manager of that branch, XXXX must take the blame as well ; if he 'd been diligent and stayed on top of his employees work, we 'd never have had this issue. He gave XXXX and XXXX XXXX ( XXXX XXXX Agents ) attitude at every turn, although none of this was their fault ; our attorneys have also had nothing but issues with XXXX every time that they 've worked with him ( which has been several different contracts ). 

This entire process has left a sour taste in our mouth ; instead of exciting, it was stressful and almost not worth it. RH Funding took advantage of us, which poses a moral and ethical issue ; we 've spent countless hours and far more money than was necessary into the process already, and keep finding more and more issues. The contract on the home expires today, and the underwriters at RH Funding came back and said there was MORE that needed to be done ( about {$5000.00} added to the mortgage more ; all things from the inspection report that was done in XXXX that they have n't even looked at! ). I 'd hate to say everyone is incompetent, but you 're only as strong as your weakest player. We 've since had to cancel our offer on the home, and are left at square XXXX, with over {$2000.00} lost.
I found a creditor on my credit report that was paid. I submitted a BILL and then the RECEIPT to the claim. It not only took over 30 days I contacted them via email and phone calls pointing out they exceeded the 30 days + since I provided the necessary information there was NO reason to not close this case. While I was forced to download - or upload additional information my personal information was breached! I want this paid account removed from my credit file. Exquifax allowed hackers to get my personal information while they delayed resolving my issue with a paid receipt! NONE of this should have happened. Since this I have had to switch phone carriers - close bank account- email is constantly attempted hacking - someone is after my GOOD credit - all because of exquifax - this issue was removed by XXXX once I provided information but not with exquifax, they delayed this beyond 90 + days! Then decided with creditor - during which they allowed my credit file to be breached! The radiologist payment - thru insurance went thru the XXXX XXXX AND right after they say I owe money XXXX XXXX AFTER I paid what the radiologist said I owed sent me a refund of almost {$500.00}!
My student loans were paid in full in XXXX, and I have the receipt to prove it. When Navient bought my student loan, they have lost payments and continued to keep adding interest to a loan that was already paid. I have now gotten notice that I have less than 30 days to pay it in full ... ( which has tripled ) due to the outrageous interest. I have turned them into the XXXX, and I have showed them multiple times that the loan was paid in XXXX. Now it is XXXX and these people will not leave me alone, nor leave my co-signer alone, they call 5-8 times a day, emails and letters with threats. I am at a loss of how to get these people to leave me alone!!
Equifax has fail to provide me with on time dispute results since XXXX/XXXX/2016.
I have a loan with XXXX XXXX XXXX, XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  XXXX XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Hello, I am writing in regards to an old credit card account I had with XXXX XXXX XXXX. I held a credit card with XXXX which was opened inXX/XX/XXXX, then closed in XX/XX/XXXX. This account I held in good standings and was never late on a credit card payment. 
The account was closed due having to file a chapter XXXX bankruptcy on XX/XX/XXXX. The account was closed and I received a discharge in bankruptcy on XX/XX/XXXX. 
This account was included in the chapter XXXX, and discharged along with other debt. All of my credit reports list my public record and reporting of the chapter XXXX discharge. 
I actually had asked my attorney if I could keep this card open to rebuild my credit but was told I could not, and that it had to be included, as all outstanding debt needed to be. I wanted to keep this card as I had never been late, nor ever missed a payment on this account. I only know the last four numbers of the XXXX acct were XXXX. I have done very well since my chapter XXXX and have a 100 % payment history. 
This account is still being listed in my Equifax and my XXXX credit reports. I have filed numerous disputes and have received no deletion of these reporting. They have also continued to update the accounts at last XX/XX/XXXX. They do not report anything about this account as far as my payment history which was perfect. It is listed as to just harass. I have gone to XXXX directly and the bureaus regarding this issue and nothing has been done. 
As stated this account was included in on my discharge. When you decide to file a bankruptcy it is a devastating report to your credit file in and of its own that lasts 7-10 years. This is the price you pay for what was done and is stiff enough penalty on its own however, XXXX has reported on this account as recently as XX/XX/XXXX and it is a violation of my discharge injection to report again on debt discharged in Bankruptcy. This account also because not removed from my report lists as a separate " NEGATIVE '' item, along with the bankruptcy therefore I am being penalized twice for this account. 
Can you please help me? As I stated I have disputed with the bureau and with XXXX so I am not sure how to get this error removed. 

Thank you XXXX XXXX
I fell behind on my payments due to a job loss. I notified Wells Fargo when I got a delinquency notice and the next month, XXXX 2015, they put my in foreclosure and returned 2.5 months of payments and stated I was now 5 months behind. I immediately called and Wells Fargo assigned a rep. he had me file a loan modification application which was denied in 2 days. Even though I now make more than I did when I applied for the loan. We were then offered and took the option to repay the loan if I could give them 3 months immediately. Which I did as soon as the bank opened the next day. I was told that I needed to make sure that I did not become 3 months delinquent. I made another full pmnt in XXXX. I went to pay XXXX payment and they put me back into foreclosure and returned XXXX pmnts I had made. Now they have me 7 months behind. I told them I now have XXXX payments that I can give them and they refused it. They admitted the error was on their part but are refusing to honor their agreement made in XXXX. Now they are charging me attorney fees as well.
My Ex Girl friend had trouble talking to Bank Of America I got on the phone to help her I 'm not a user on the Account. 
I had an Account with Bank of America and they misappropriated funds that is how they got my information
Amazon Chase Rewards card will not post my payment to my account. I have called them several times asking why the payment did n't post yet and I was told that the payment got lost in the mail. Now Amazon Chase is debited my card with late payment fees. I paid with a post office MO and now my account is going into over draft status. Please help me!
XX/XX/XXXX I did an internship in the state XXXX. I paid my taxes and filed my taxes with an accountant friend of mine. I was in XXXX school and had done work that year in XXXX different states. We filed taxes in all XXXX states, but we did not attach the physical XXXX to the XXXX tax return as it was not required in any other state and my accountant was not aware of the rule XXXX. XX/XX/XXXX my credit report showed that I had a tax lien from the state XXXX. This had a major negative impact on my credit report of over XXXX points. As I did not live at the address that XXXX had on file, I did not receive information that there was a problem with my tax return and was unaware of any issues. 
After seeing the drop in my credit score and researching the cause, I reached out to the state XXXX and received a letter from the state XXXX stating that I never owed any money to the state XXXX, but because my XXXX was not attached the lien was attached for improper filing of taxes. I have presented this letter to the credit agencies and despite the fact that I never missed a payment or owed any money my credit score has continued to be negatively impacted by this lien. A credit agency is not there to report whether my accountant and I filed our taxes correctly but to report on my ability to pay my bills. 

I have paid my bills on time and provided them with documented proof of this fact. I do n't know what else to do to remove this from my credit report.
All cards under XXXX XXXX after XXXX 2003 are not mine. I got my own cards after my divorce. The cards belong to XXXX XXXX XXXX. I believe these reports should not be on my credit reports.
I have files several complaints nd have not Been answered in a satisfactory manner by Wells fargo. Pls call me At XXXX. I have sent them transaction records and a copy of all bank statements to Wells fargo and Thy found XXXX errors but Did nothing To correct them. If I. Any find help from your organisation then I will need To take them To court again. I took them To court in XX/XX/XXXX and XXXX never followed The court judgement. Thy have Also never called me and apparently now XXXX have put mh house in dore l'osier as of XX/XX/XXXX with out dvising me. Thy have dfidThe court judgement a and I dont understand How XXXX can legally do this when I took them To court and won. I Will Also be in contact with The judge on my case. Wells fargo go es you a reaponse that rhey think you want To here and never take Care of The questions on hand. Pls call me At XXXX so we can discuss. XXXX have failed To report and apply all of my payments which have Been made on Time. 

XXXX XXXX
I 've had fraud occurring  on my Capital One credit card since  XXXX  of 2016. I tried to report it per their 0 % fraud liability but they refuse to let me report it, refuse to let me close the card, and more fraud keeps occurring. I have went to the branch several times and provided my bank statements, utility bills, social security card, US passport to verify my identity to branch personnel who vouched for me and submitted copies of my verification documents. Yet Capital One refused to credit my account for fraud or even allow me to report the transactions. I keep paying the minimum every month to pay for fraudulent transactions and Capital One in turn charges me more than that in interest. They actually owe me a credit balance refund but they try every way possible to avoid ma rking transactions as fraud.
My income tax refund of {$3600.00} was wrongfully direct deposited to a compass bank account acct # ( XXXX ) on XXXX/XXXX/2016. i have opened a investigation with the XXXX Police Department to retrieve my refund but the bank 's corporate security supervisor XXXX XXXX XXXX says the bank can only return {$900.00}. The IRS has been notified and they will send out a letter notifying Compass Bank has to return the full amount but no word yet.
XXXX was informed on XX/XX/18 that I can not accept personal calls at my work place because my employer prohibits them. However, since then, I have received continuous calls at my work place from XXXX and various other XXXX employees ( audio recording available ). Furthermore, One Main Financial has my cell phone number. Thus, there is no reason for them to be contacting me at work.
HELLO, MY NAME IS XXXX XXXX. I AM A XXXX YEAR OLD SINGLE MOTHER OF XXXX. DURING THE YEARS OF XX/XX/XXXX ; I AM/WAS HOMELESS WITH MY XXXX KIDS AFTER THEIR FATHER WALKED OUT. DURING THESE TIMES I HAVE BEEN IN AND OUT OF XXXX SHELTERS. BACK IN XXXX OF XXXX ; MY PURSE, SOCIAL SECURITY CARDS, AND OTHER PERSONAL INFORMATION WAS STOLEN. THE WOMAN THAT I SUSPECT IS XXXX XXXX ; BUT, THAT IS ALL THE INFORMATION THAT I HAVE ON HER. I HAVE TRIED MANY TIMES TO GET THESE INQUIRES REMOVED AS I DID NOT AUTHORIZED THEM, AND I AM NOT SEEKING CREDIT. I HAVE CONTACTED XXXX  AND THIS COMPANY PERSONALLY, AND THE COMPANY STATES THEY CAN NOT FIND ME IN THEIR SYSTEM, I SENT OVER SCREEN SHOTS ON THE INQUIRY AND THEY REFUSE TO DELETE STATING I DON'T HAVE AN ACCOUNT WITH THEM. I CONTACTED XXXX   AND THEY SAY I NEED PROVE THAT THE ACCOUNT IS NOT MINE AND A STATEMENT FROM THIS COMPANY ; WHICH IS NOT POSSIBLE DUE TO THE COMPANY HAVING NO RECORD OF ME. I EXPLAINED THIS ISSUE TO XXXX AND XXXX AND THEY BOTH DELETED THE INQUIRY, BUT XXXX  IS REFUSING. MAY YOU PLEASE HAVE THEM DELETE THIS INQUIRY AS IT IS NOT AUTHORIZED BY ME. I AM XXXX  AT THIS MOMENT, AND A NOT SEARCHING FOR ANY NEW CREDIT OR LOANS. I HAVE NO KNOWLEDGE OF WHAT OR WHO " XXXX ''. THE ONLY ACCOUNT THEY CLAIM TO HAVE THAT MATCHES MY SOCIAL SECURITY NUMBER IS FROM XX/XX/XXXX. 

THANK YOU,
Hello Consumer Financial Protection Bureau, The following letter is to inform the outcome of a dispute I had with Equifax which started on the telephone on XXXX XXXX 2016 and ended up being submitted by mail on the same date ; regarding a collection account still open ( XXXX and XXXX ) when the same had been closed in 2016 as notified by XXXX and XXXX in a telephone conversation. Also, the full payment to another collection agency ( XXXX XXXX and XXXX ) collecting the same debt. As it turns out, Equifax removed the XXXX and XXXX account from my credit report. However, it failed to add XXXX XXXX and XXXX with a {$0.00} balance and paid in full status. Furthermore, Equifax also had the audacity to removed a non associated account ( XXXX ) in favorable standing dropping my fico score 16 points instead of raising it. The difference between my XXXX and Equifax score is 48 points and this is disturbing. In conclusion, Im trying to improve my credit, but this stunt is hindering me. Can you please help me resolve? Thank you. XXXX XXXX 2016