WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$640.00} Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
I was first contacted by XXXX XXXX with UCRB ( telephone number ( XXXX ) XXXX ) on XXXX/XXXX/XXXX claiming that he was with UCRB, he was looking for a verbal statement from me for his final recommendation on a matter so he could submit paperwork. He reached out to a family member as well prior to contacting me. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. If I did not do this my wages would be garnished. I contacted the original debtor and was advised that my account was in fact transferred to a collection agency ; however the agency name was XXXX XXXX XXXX management and not UCRB ( where XXXX was calling from ). I tried to contact XXXX at phone number XXXX, ( provided by the original debtor ) and was unable to get thru, a message from version played that my call was not able to be connected. I googled XXXX for another phone number and was able to locate phone # XXXX, however to no avail there was a voicemail message asking for you to leave a message however their inbox is full and your call is disconnected. Please keep in mind I have never recd paperwork from this company ( UCRB ) in the past and now they are threatening garnishing my wages.
This is regarding the Equifax hack. The options provided on the previous screen did not fit this problem. 

In regard to the Equifax hacking - which took well over a month to be reported by Equifax - I was under the impression ( as per TV reports ) that I should go to XXXX and enter my information there so that I could find out whether my information was compromised. I entered all the information and the final screen read that my information may have been compromised.
Now I read in other news reports that my having checked whether I 'm affected may have rendered me ineligible to join class actions lawsuits against Equifax and/or TrustedID. This is outrageous. This is evergreen data. I can not change my DOB or SSN. If Equifax compromises my information and partners with TrustedID and they make it look like I 'm only checking whether I 'm affected - all the while stripping me of my rights - then I hope the CFPB will bring suit and prevent these shenanigans. 

I have done nothing to compromise my information and I had no choice as to whether Equifax has my information in its database. This is outrageous. Please protect us consumers from this. 
These credit bureaus are not optional. Our info ends up there whether we want it there or not. If they can not guarantee our data 's safety then they should be liable when they allow it to be compromised.
This company has put a judgement on my property located at XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Judgement is XXXX XXXX COUNTY XXXX XXXX FOR XXXX. It have disputed this information for seven years now and have even put a case in with the state. Please have it removed from my file.
This is a fraudulent account that is being reported and in collections with National Credit Adjusters/NCA. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with NCA, in addition to disputing it with XXXX, XXXX  and XXXX.
I have been having problems with accurate accounting of my loan with Wells Fargo Home Mortgage. I worked to resolve this problem with WFHM and was approved for a Loan Modification. The Loan amount on my home is $ XXXX. I have been making the payments but when WFHM sent the final loan documents they nearly doubled the loan amount. The house will never be worth the amount they increased the amount of the loan to. They added $ XXXX in interest fees and late fees. They are trying to hold up my loan modification and are not applying the monies I am paying each month until I agree to their increased amount of the loan. This is not accurate and their accounting was never right. It is illegal for XXXX to try to force me to pay nearly double of my original note. They are forcing me into a situation in which the home will never be worth what they increased the amount to. I have no problem with the original loan note of $ XXXX, that is all the home is worth. They are tacking on $ XXXX of fees in which they have no basis and accurate accounting. They are also not applying my mortgage payments to my prinicipal until I agree to their terms. Thank you, XXXX XXXX
I had applied for a loan from Big Picture Loans in the amount of {$600.00}. I was told there would be a finance charge of {$150.00}, which was n't an issue since I was expecting some sort of interest charge to be accrued for borrowing money. I agreed to the finance charge and the loan was processed. After processing the loan, I was provided with the Loan Agreement, where I noticed in the Truth-In-Lending Disclosures there would be additional finances charges for the remainder of the loan in the amount of {$2600.00} ( which was broken down over XXXX payments ), totaling the loan to be {$3200.00} -- this is not what I was expecting when asking to borrow such a small dollar amount and if I were made aware of these fees before the loan was processed, I would have never processed the loan. But unfortunately for me, the loan was processed first, and then the loan documents were available for me to view AFTER everything had been finalized. This is beyond ILLEGAL, and I will proceed with further action.
XX/XX/XXXX Received a letter from Malcolm S. Gerald and Associates , Inc. stating that I owed a balance of {$10.00} to XXXX XXXX XXXX. My wife went to the doctor office and showed the letter. They looked into the system and found the invoice and she paid it. 
XX/XX/XXXX Received a voice message from Malcolm S. Gerald and Associates asking to call back. My wife called and told them the invoice had been paid. They asked to fax receipt of payment, which she did fax the same day. She also called XXXX XXXX Department and they sent the updated information to XXXX. 
XX/XX/XXXX My wife called Malcolm to check if they received the fax. They did but refuse to close the account because they have not received any payment from XXXX and that payment made was applied to a different invoice. She then called Advocate to ask why they haven't sent any payment to Malcolm and they said they don't have to pay anything to Malcolm and that I do not owed anything to them since I paid the balance of the only outstanding invoice I had with them. I do not know what else to do. This issue is affecting my credit report.
I received my free credit report from TransUnion back in XX/XX/2017. I reviewed my report for inaccuracies. I found a Public Record that is inaccurate. Back in XX/XX/2012, I filed for a personal XXXX which was granted and resolved in XX/XX/2013. My attorney for my bankruptcy case, whose office is in XXXX, Ohio, accidentally filed the case with the XXXX court system. I live in XXXX, Ohio, and the XXXX court system, having noted the filing error, promptly transferred the case to the XXXX court system via a " Order to Change Venue '' in XX/XX/2012. My bankruptcy case was processed and finalized in the XXXX, Ohio court system. In XX/XX/2017, I filed a dispute with TransUnion, indicating that the Public Record information on my credit report, indicating a bankruptcy in XXXX, Ohio, was incorrect. I received a mailed response from TransUnion on XX/XX/2017, which included an " Investigation Results Summary ''. TransUnion 's written response to me was that that XXXX  in XXXX, Ohio was verified as correct. I promptly phoned TransUnion, again disputing the error, and re-emphasized to the representative that the case had been transferred to XXXX from XXXX. I was told that the credit report error could be resolved if I could forward supporting documentation from the court indicating that the case had been transferred to XXXX. On XX/XX/2017, I faxed the court document ( " Order to Change Venue '' ) and instructions for corrections to TransUnion. OnXX/XX/2017, I received another written response from TransUnion, indicating that the credit report information had been updated [ " Information Updated '' ] ( see " Investigation Results Summary '' section ). However, the information is still wrong. Despite my forwarding requested documentation, the information was NOT updated and still shows a filing in XXXX, Ohio [ see " Item '' in " Investigation Results Summary '' section ]. On the same day, XX/XX/2017, I placed another phone call to TransUnion to find out what the problem is. They indicated that they would look into the problem and get back to me. I did not hear back from them. I waited until XX/XX/XXXX and followed up with TransUnion again, again without any answers. I have not heard from TransUnion since then. 

I telephoned the XXXX XXXX Court some time ago. They have NO corresponding court information relating to my XXXX case, nor do they have any of my personal data in their computer system. All pertinent information was sent to the XXXX courts, since my case was transferred. 

Incidentally, almost 5 years have passed since my bankruptcy was finalized. I have received credit reports from TransUnion in each of the last four years. In prior annual credit reports from TransUnion, I do not ever recall the wrong court system coming into play, except for this year, in my XXXX credit report from them. Also, I have had NO issues with this matter, EVER, with either of the two other credit reporting agencies, XXXX and XXXX. Both agencies report this bankruptcy on my credit report as being filed in XXXX, Ohio.
My wife and I are pre-approved by Movement Mortgage here in Georgia. My wife and I have met every stipulation that Movement Mortgage has laid in from of us and in fact we 've been approved but for some reason in the last few hours they wo n't process our loan ( we were supposed to close today ). In fact, they claim that the original loan processor called in sick today ( bait and switch ), and are now making us prove our loan worthiness once again while the sellers and buyers of XXXX other loans are waiting to close, the sellers of the home we 're buying are basically backing out of our signed and agreed to deal. Please warn other people of this bait and switch that we are going through.
To Whom It May Concern, Account Number : # XXXX / RSH & Associates LLC. 

Reviewing my annual free credit report, ive notice RSH & Associates LLC negative account on my credit report. I have never heard, never signal a legal binding contract with RSH & Associates LLC or I have never heard or received any documentation from RSH & Associates LLC.  Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope from RSH & Associates LLC. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from RSH & Associates LLC referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), RSH & Associates LLC is NOT following guidelines of what constitutes proper debt validation. I have NO contract with

RSH & Associates LLC, I am not obligated to buy for the alleged debt RSH & Associates LLC is the reporting inaccurate information on my credit report. Im planning to apply for a VA mortgage loan, and RSH & Associates LLC a
ccount is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX
I have a line of credit through XXXX in the amount of {$1900.00}. This credit line is not reported on any of my XXXX credit reports.
I contacted customer service on XX/XX/2018 at XXXX to request information on the debt owed ( XXXX ). CCS collection agency reports that they can not mail any payment history nor signed contracts to me due to them not having the information. Company is unable to prove that I owe this debt. I would like the debt removed from all three credit bureaus
Attempting to be added to the current Navient class action CFPB v. XXXX XXXX, Navient Solutions , Inc., and XXXX XXXX XXXX XXXX. ( collectively defendants ). 

Navient is accused of unlawful acts and practices in connection with Defendants servicing and collection of student loans. Please add me to This CLASS ACTION suit, Navient is the Servicer of the loans listed below ( Loan type, school attended, original amount, principal balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL OUTSTANDING BALANCE OF LOANS THAT NAVIENT SERVICES : {$7000.00}
Equifax Inc. severely mishandled my personal data, not putting adequate safeguards in place to secure my personal information. My information is now compromised, along with the personal data for millions of other Americans.
I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution.
Rushcard had a technical glitch that has not allowed many users access to their accounts for weeks. Money is still being held and access to accounts is still unavailable for some. I personally have the wrong account number listed. There has been updates however does not explain in details the issues.
hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to transunionin in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.
Customer ID : XXXX CNU Cashnet calls my phone 6 times a day i have my phone log save constantly harasses me. I am on a credit management plan and they do not want to wait for payment. She keeps harassing me to borrow money to pay them. She has called my work phone several times and I advised her not to
I did not receive a XXXX form for a savings account from Key Bank. I contacted the banks website and received a reply telling me that they had sent XXXX for one of my accounts ( true, I have that ) but had NOT sent the XXXX for my other account. They advised me to go to my local bank to request a duplicate. I went to my local branch XX/XX/2017 to request a duplicate. The bank manager stated that he could not give me a duplicate because Key Bank was behind schedule had not yet made XXXX forms for many accounts including mine.
I modified my mortgage initially with    XXXX    back in  XXXX . My loan wa s sold to Ditech. After repeated complaints/contact Ditech finally applied my HAMP Year Six Pay for Performance incentiv e of {$5000.00} to my loan (  XXXX / XXXX / XXXX  ).     It is my understanding that after final incentive is applied to lo an, Ditech must offer to reamortize my loan. Ditech has refused -
CONVERGENT OUTSOURCING , INC . 
XX/XX/XXXX XXXX, FL XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CONVERGENT OUTSOURCING, INC. or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CONVERGENT OUTSOURCING , INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
XXXX    XXXX  , I sent a debt valida tion letter to Hunter Warfield. They responded to my  validation letter within the same month. They provided a lease with a signature and a final statement from the original creditor. I responded to their verification disputing several inaccuracies with the account. The letter that I sent them was dated  XXXX   XXXX ,   XXXX  . I waited a full  thirty days ( plus additional days ) before  I sent them another letter which was dated  XXXX   XXXX ,   XXXX  . The problem is that they are reporting I owe them  XXXX  dollars. I 've reviewed the lease, and there is n't a statement that authorizes them to attach additional fees. Furthermore, on the lease it 's stated {$850.00} was the rent. However, on the final statement it is listed as {$1000.00}. The lease stated there was n't a security deposit paid, however there was a security deposit paid to the original creditor. There is a lot of charges that does n't make any sense whatsoever. According to the FDCPA and FCRA, the company should have responded to my request for an investigation within 30 days. It has been well over that timeframe and all three of my credit reports are still reflecting the same information. Additionally, on my  XXXX  report, they are reporting ter ms ( 1month  ). Every month they have been reporting a payment history claiming that my account was charged-off and past due. I 've never made a payment to this company. I 've never signed an agreement with this company agreeing to pay them.
XXXX XXXX XXXX XXXX, sent a letter which was received on XX/XX/18, being the first communication with the company claiming it was collecting on claimed debt, on behalf of Indiana University. They claim a total debt of {$5200.00}, which I plan to fully dispute. As of Today, XX/XX/2018, I have not received a written notice containing information of a 30 day period to write the collector back for validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 809, ( a ) Notice of debt ; contents, Subsections 3 through 5. The initial communication letter did not contain the proper notice either. I have not taken any action as of writing this complaint.
Purchased hot spot device for Internet service.Was never able to get signal because of my location.Company said they would send " booster '' to help. Still had problems. When I payed bill I found out from sales rep my location should have been checked before selling me device. I have moved and can not find " boosters '' that I was never told had to be returned. Company billing me XXXX. When I spoke to someone ( in XXXX! ) they assured me matter would be taken care of. Recently applied for a loan and was denied because of this debt in collections
Wells Fargo will not credit my bi-weekly payments until they received the ( 2nd ) full monthly payment amount, thereby charging me interest on money they hold in limbo during the two-week period until my next payment is made.
I opened a checking account with Citibank, NA in late XXXX or early XXXX because of a promotion promising XXXX Citi Thank You Reward points, which I received in early XXXX. 

Yesterday, I got an email from Citibank informing me that my checking account was overdrawn by {$380.00}. Upon investigation, I learned that they had : 1. Retroactively decided I was n't eligible for the points ( not sure why ), 2. Valued, the points at {$500.00}, and 3. Unilaterally, and without notice, debited my bank account {$500.00}, placing it in overdraft. 

Here is a direct quote from today 's chat : XXXX, XXXX XXXX XXXX : Upon checking, our Back office were able to determined that the account is not eligible for the Thankyou points or the promotion. And XXXX Thank you points are equivalent to {$500.00}. That is why {$500.00} was debited to the account,