WillisBack/dataset-financial-user-claim huggingface dataset:
Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Experian Dispute Department XXXX. XXXX XXXX. 
XXXX, TX XXXX RE : XXXX XXXX XXXX XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX XXXX XXXX Act. # XXXX which you claim is a Negative status. The account is and has been paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )  You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Conn 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until Conn 's update my credit report or send the letter so I can provide that to my lender for a Rapid rescore.

I 've also disputed this account, after the account was settled Conn 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called Conn 's more than 4 times a week for the last 6 weeks with no resolution.
This is concerning loan # XXXX with R.M.K.FINANCIAL CORP. D/B/A MAJESTIC HOME LOAN. IN XXXX I COMPLETED A LOAN APPLICATION AND WAS EXPECTING TO CLOSE THE LOAN IN XXXX, 2016. AT THAT TIME THE CLOSING COSTS WERE APPROXIMATELY {$10000.00} AND WE WERE GETTING AN ESCROW CHECH FOR APPROXIMATELY {$1000.00}. THE LOAN DID NOT CLOSE IN XXXX AND FINALLY CLOSED XXXX XXXX, 2016. CLOSING COSTS HAD RISEN TO {$14000.00} AND THE ESCROW CHECK WAS {$56.00}. I WAS NOT ASKED FOR ANY FURTHER INFORMATION DURING THIS PERIOD AND CAN NOT UNDERSTAND WHY THE LOAN TOOK SO LONG TO CLOSE AND THE CLOSING COSTS ROSE {$3000.00}. WOULD APPRECIATE YOUR LOOKING INTO THIS MATTER. SINCERELY, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL. XXXX TEL. XXXX E-MAIL XXXXXXXXXXXX. XXXX XXXX XXXX XXXX XXXX
I recently reviewed my credit report and noticed that Personal Finance Company is now renewed and is reporting that I owe them {$3700.00} as of XX/XX/2017.. on a debt that was discharged through my bankruptcy. They are not acknowledging any bankruptcy and it is as if the debt has been renewed. Previous reports this item was removed from my credit report and this one just showed up.
I have been disputed Tax Liens that was reporting on my credit as a Public records, and the information is not valid. I have Disputed this information with Equifax Several times and the results came back verified correctly. I have supported documents that supports that it has to be remove and delete and never it did.
I was charged multiple cash advance fees given a peculiar situation in while traveling in XXXX I had to withdraw money from ATM using the Discover card but the XXXX government banned all ATM and only allowed for a person to take out only XXXX which equals roughly around {$30.00} dollars. Given the circumstances I made multiple ATM withdrawals on the same day to have the ability to survive. Discover charged me {$5.00} per every {$30.00} I was only allow to withdraw and refuse to waive the multiple fees since it was an unavoidable issue. Total of {$75.00} in fees.
I had deposited over 25,000 dollars into XXXX. XXXX is an exchange that is owned by CoinBase. 

I withdrew XXXX USD Monday, XX/XX/XXXX. I never received my money to this day XX/XX/XXXX. 

I withdrew XXXX USD Tuesday, XX/XX/XXXX. I never received my money to this day XX/XX/XXXX. 

I withdrew XXXX USD Wedneday, XX/XX/XXXX. I received it the following day Thursday, XX/XX/XXXX. 

I have not received my XXXX USD to be credited to my USA bank in 44 days ( 29 business days ). I used ACH which usually only takes 1-3 days. 

I sent multiple emails to CoinBase/XXXX  regarding my issue as follows and I've attached the contents in the supplemental documents I've attached. 

XX/XX/XXXX email sent to support website of CoinBase describing the issue. 
XX/XX/XXXX second email sent to support. Generic email reply without any answer to my specific problem. 
XX/XX/XXXX and 2  email sent to support. 
XX/XX/XXXX, I call XXXX by phone and they say they will escalate the issue and to please not send any more emails. " For fastest response, please do not create multiple tickets about your issue. '' - XXXX XXXX XXXX XX/XX/XXXX XXXX No change in status now. 

I called XXXX two days ago and they said they've escalated it as far as they can and that I will just need to wait. 

I am missing XXXX dollars and CoinBase has been very unresponsive and not reassuring if I will receive my money. I am a U.S. customer with a U.S. bank and this is a U.S. company. An ACH that usually takes 1-5 days to send should not take one month.
I am filing compliant to Synchrony Financial Banana Republic Credit Card regarding reporting me as past due to my credit report. I did not receive bills for 2 months and all of a sudden on XXXX/XXXX/2016 I receive a bill indicating I was past due. I promptly called, paid the bill in full and was refunded the late fees BUT they would not acknowledge there was a billing error they made as I had not received it through e-mail or paper. In addition, they have converted this account 3 times and often with me being unaware until I have swiped the card at the Banana Republic store. I have never been past due on ANY account and never past due with this product EVER. The representative refused to help. I am frustrated that some banks, not all, are taking advantage of consumers by being unfair, deceptive and abusive. All this happens as well while I am refinancing my mortgage. What also bothers me is that they never even called me to indicate I was past due or sent specific e-mails indicating I was. This just seems like an opportunity for this bank meet financial goals by charging late fees and hoping the consumer wo n't follow up on it. I am at my last straw and a very frustrated consumer.
Please be advised this is my SECOND WRITTEN REQUEST to Equifax. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

Equifax or Convergent Outsourcing has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX   XXXX Unverified Account
I WAS GOING THRU MY INFORMATION FOR TAXES AND SAW A CHARGE FOR {$4000.00} ON MY CREDIT CARD # XXXX XXXX XXXX XXXX  ON XX/XX/16  CHARGED BY XXXX XXXX. I CALLED CHASE AS SOON AS I FOUND THIS CHARGE I SPOKE WITH THE FRAUD DEPARTMENT HER NAME WAS XXXX  THEY SAID THEY WERE CREDITING MY ACCOUNT AND OVERNIGHTING A NEW CARD. ONCE I GOT THE CARD THE CREDIT WAS THERE, BUT AFTER ABOUT A WEEK I GOT A CALL FROM AN INVESTIGATOR NAMED XXXX AT PHONE NUMBER XXXX   EXTXXXX SAYING THAT THEY WERE REVERSING THE CREDIT BECAUSE THEY HAD MY SIGNATURE ON THE PURCHASE I EXPLAINED THAT IT WASNT MY SIGNATURE, AND THAT I DIDNT DO BUISNESS WITH THIS COMPANY! I GOT OF THE PHONE AND CALLED MY NIECE WHO HELPS ME WITH THINGS LIKE THIS AND WE CALLED THE WOMAN BACK AND NO ONE HAS HELPED ME! I AM RECOVERING FROM XXXX XXXX XXXX XXXX AND CAN NOT HANDLE THIS STRESS! NOT TO MENTION I AM ON XXXX FOR THE LAST 6 YEARS! I AM UNABLE TO WORK AND AM ON A FIXED INCOME WHAT THEY HAVE DONE TO ME IS NOT OK! I DID NOT SIGN ANYTHING AND NEVER GAVE ANYONE PERMISSION TO USE MY CARD! HOW COULD THEY TREAT A SENOIR CITIZEN IN THIS WAY!
i am having trouble with my mortgage and my equity loan with BOA. They converted my mortgage with my equity loan and still charge me separate for an equity loan that I know nothing about it I tried to call them on several occasion trying to clarify this issue I ca n't get any answer from the loan officer or mortgage manager Now BOA is trying to foreclose my house or ask ask me to do a short sale on m, y house while I am still paying my mortgage. every month
On XX/XX/2018, a call was placed to XXXX XXXX XXXX XXXX at ph # XXXX at XXXXXXXX XXXX central standard time. The bank agent told me electronic checks ( ending account # XXXX ) and credit card ( XXXX ) come be done by phone and she gave routing and account number for transaction. Yesterday, I received a call from ( XXXX XXXX XXXX which manages -XXXX  XXXX XXXX ) that the check was insufficient and ask if I could do a credit card payment. XXXXXXXX XXXX  continued to do the transaction by visa 123 credit card own by XXXXXXXX XXXX  XXXX only be declined. XXXX XXXX called me once again and told me about the declined transaction and advised me to proceed to XXXX using their account number ( ending in XXXX ) and Id ( XXXX ). While XXXX XXXX Rep was ( XXXX called from XXXX at XXXX, I was able to view their app on line ( XXXX-power by XXXX ) per the app showed XXXX charged me an INSUFFICANT of {$50.00}. I told XXXX, insufficient is no money in the account that is false and misleading information and therefore, per the bank the pay address was incorrect when XXXX XXXX XXXX the payment and credit card transaction. XXXX advised me that It would be corrected for the NSF charge tomorrow but, she could not do it today because she had to leave the office immediately but, to get to XXXX to avoid the late payment charge on the tomorrow. I proceed to go to XXXX location on XXXX XXXX XXXX XXXX, Texas ph # XXXX the XXXX agent tried three times to process the account number given by XXXX XXXX ( XXXX XXXX XXXX ) Per XXXX I am not listed as a resident in their system and payment could not be processed. I proceed to get a money order for ( XXXX XXXX XXXX which state they don't take money order anymore as of four months ago and payments can only be made through their ( ENTRA XXXX   app or XXXX ) neither worked I sent an email and left a message about the related issues to XXXX XXXX XXXX ( XXXX XXXX XXXX ). I then called US Bank to find the reason behind the errors spoke with supervisor XXXX and he advised that his agent made a mistake because they don't do electronic checks only deposits. I told XXXX they owe me for the {$50.00} insufficient fee and he stated, " Sorry -the bank is not set up to pay for errors on our part! He stated, You address was incorrect that is why your credit card payment didn't go through. I told XXXX ( agent # XXXX ) my account had my new address on file what is going on. He stated, I can get that address update! This is FRAUD! So, both XXXX and US Bank proceed to defraud customers
Around XXXX18. I had applied for an installment loan with Wells Fargo Bank. My application was denied and there was very little basis to their decision. My partner who has a lower credit score and makes half as much money as I do was approved and I was denied. I then had to call to verify some information with them and then was informed that I did not qualify because of the purpose of my loan. What I am going to do with my money is MY BUSINESS. I felt that I was being discriminated against based off of race and other reasons.
A derogatory item was fraudulently added to my credit report for a large past due XXXX bill in someone else 's name. They have this person listed as my " alias '' on the credit report. I do NOT have a XXXX account. The amount is {$3700.00} and was first added in XX/XX/XXXX and reported on XX/XX/XXXX. Approximately 1.5 - 2 years ago, XXXX started mailing billing statements to my address with the name of the other person. I marked the envelop with " return to sender ''. When that didn't work I called XXXX and spoke with a customer service representative. I though they were going to update their records but they never did. I stopped getting mail from XXXX and didn't know about the credit report problem until I applied for a home loan.
We have been making payments though  Ocwen ' s website. When we submitted the request for our  XXXX  payment, we received an email fro m Ocwen which states the following : Thank you again for choosing to participate in Ocwens Automatic Clearing House (  ACH ) program to have your payments automatically withdrawn from your bank account. Based upon your request and approval, we have enrolled you in this free service and your first payment withdrawal date is scheduled for  XXXX / XXXX /  XXXX  .     We did not request to be enrolled in the  Automatic Clearing House program. I called our relationship manager at Ocwen t o request to have us removed from the program. He just told me to cancel the payment. I am not sure if doing this will withdraw me from the ACH Program.
My loan funded by XXXX was transferred from XXXX XXXX XXXX to Seterus, they lied to me once about a modification ruined my credit in the process, now they cheating me out of money for an Escrow account that I do not even have. They are dishonest. I am very afraid I have to watch them so closely, the problem is they are servicing loan for the government the same place I am filing a complaint. Now they are taking extra money in my monthly statement and can not explain to my why. This company has more complaints than any company on the planet but nothing is being done because they are working for the US government. First they took money for taxes but my taxes were paid Now they are taking money for HOA but my HOA dues are current.
I was put in collection around XX/XX/2017, by XXXX XXXX for the amount of {$69000.00} which XXXX XXXX issue payment for the amount of {$6500.00} and XXXX amount was {$2100.00} payment in full by XXXX, my ex- husband XXXX XXXX took the checks for his own personal use which he admitted taking the money, I had giving all divorce documentation to both doctor 's court order on XX/XX/2017 my ex-husband shall be solely responsible for repayment of both of these debts and shall indemnify and hold me harmless with regards to this debt I forwards this papers to XXXX XXXX XXXX, I tried to purchase a house and I cant because I'm in collection in the 3 bureau and my credit it getting damage because of this. Please  see attached proof from the lawyers and court.
I assume no monetary responsibility for this alleged debt. Be advised this is not a refusal to pay, but a notice that your claim is hereby disputed and validation is requested. THE DEBT IS NOT MINES. 

On XX/XX/2018 I requested validation of this debt per Texas Finance Code and to be provide with : 1 ) Original Agreement that bears the HANDWRITTEN signature and/or ESIGN digital signature ID number of the alleged debtor wherein he/she agreed to pay the creditor.

2 ) The name and address of the original creditor 3 ) The original date of default or non-payment of the debt with original creditor 4 ) The date the debt was transferred from the original creditor to the third-party debt collector 5 ) The original balance 6 ) The current balance 7 ) Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) 8 ) Texas Surety bond information as required by Sec. 392.101 9 ) Agreement with your client that grants you the authority to collect on this alleged debt. 
10 ) Any insurance claims been made by any creditor regarding this account.

11 ) Verification that this debt was assigned or sold to collector.

12 ) Complete accounting of alleged debt.

13 ) Commission for debt collector if collection efforts are successful As of date, Ad Astra has NOT provided the above documentation and continues to violate Texas law.

On 7/10/2018 i received fake Loan Documents with my name typed in on the signature line and and Open End Loan History that did not support the amount they are try to collect ( see attached ).

I did NOT receive a loan for {$860.00} from XXXX XXXX or Ad Astra Recovery.

Per the documents provided, the documentation shows NO evidence of a {$860.00} loan was funded to me. The Open End History documents clearly indicates that {$380.00} was funded and {$470.00} was paid directly by me ( Allegedly ).

Not {$1200.00} or {$860.00}. Ad Astra is tacking on their own collection fees and lying about it. Also, there is no loan number for the alleged {$860.00} loan.

Again I assume no monetary responsibility of this alleged debt however, due to their own evidence the loan funded was PAID.

AD Astra is breaking countless federal laws and Texas laws regarding the collection and reporting of this debt. I intended to exercise my right to the fullest.
Dear : Consumer Financial Protection Bureau. 
I receive a collection letter from Transworld Systems Inc. for XXXX XXXX this is a phantom bill, malice and retaliation from XXXX because they couldnt get the fraud money that they demand, and its a wrongful collection. I paid my bill in timely manner and paid as agreed. XXXX using consumer credit report and collection agency to hold me as hostage for extortion and ransom for their greed and profits.

There are two items that XXXX present to XXXX for their defending that I dont have or know anything about it. The statement XXXX send to XXXX is what XXXX created after I filed a complaint against them for fraud for profits. 
1- I did not have any record of statement or debit amount withdraw or credit in the amount of {$79.00} from XX/XX/XXXX to XX/XX/XXXX. There is no record within my XXXX checking account or credit card account for the payment of {$79.00}. In addition to, in XXXX/XX/XX/XXXX XXXX claimed to give me a credit for {$140.00} is false, because, that same amount was adding back onto the following bill. XXXX can create any billing statement to send to XXXX and your office, I can only present to you what I got from them and my bank. 
2- The amount of {$140.00} check # XXXX was paid and clear and was never return or cancel, and XXXX letter confirm its date XX/XX/XXXX, and prior to that too. In addition to, I send to Ms. XXXX my XXXX bank statement as she requested more than one, still no billing correction or justify the amount above, is was paid and paid. ( Attach copies document and letters ). 
You could check with my XXXXXXXX XXXX and XXXX XXXX for my paying bill habit, for almost a decade I have no late charge or insufficient fund in all my accounts. I paid my bill in timely manner and paid as agreed, and I dont want to be a victim of this type of fraud and retaliation from XXXX because of greed. 
This collection isnt necessary, I has requested many times for the correct billing statement of {$240.00} minus {$140.00} but all I get was ignored, denied, and silence. I have no problem paying my bill when XXXX sent me the correct billing statement I will send them the remain payment. No collection needed. Thank you for your understanding. 
Sincerely, XXXX XXXX PS : Attach are copy/paste from my XXXX account paid in full, and more in hard copy. 
XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XX/XX/XXXX {$160.00} XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XX/XX/XXXX??? {$280.00} XX/XX/XXXX Bill Payment Online Payment XXXX To XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX {$150.00} XX/XX/XXXX Check CHECK # XXXX ( view ) {$140.00} XX/XX/XXXX XX/XX/XXXX Sale XXXX XXXX {$140.00}
I have XXXX credits with Capital One and each XXXX of them charges me {$55.00} dollars a year for use or services, I have asked Capital One almost since they were issued to me to please consolidate them to save money on these annual charges. I have had these cards nearly ten years. Capital One has always refused that request. Today it is so more important because I am unemployed and on social security and XXXX XXXX years old.