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 {$220.00} 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 receive XXXX calls per day from my financier when I am even XXXX day late on my payment. I answer the phone and tell the company that I am at work and they insist that I explain the situation causing me to be XXXX day late on my payment. If I explain they call back the very next day and demand I explain the situation again. I have asked that they not call so many times per day because it interrupts my work and they make statements saying it is not important when they call or how many times they call but what is important is that I make my payment. I have never made a payment more than 30 days late and I have been with this company for 16 months. They have offered me payment arrangements which I have accepted but the day after the payment arrangement is made and after I inform them of when I will be able to become current on my account they resume the harrassing phone calls. XXXX of the CSRs made a disrespectful statement about me having to accept the terms of the payment arrangement. He said " Well you only paid {$50.00} dollars '', which was the amount they offered for me to pay to become current on my payment. They begin calling at XXXX XXXX every weekday and saturday and even called XXXX times on XXXX XXXX. They stop calling at XXXX XXXX each day. They very seldom leave voicemail messages but when I call XXXX of the XXXX phone numbers they regularly call from it is this company.
On XX/XX/XXXX my account was withdrawal for {$270.00} ; The transaction was done on XX/XX/XXXX at BMO Harris bank at XXXX XXXX XXXX XXXX, IL,XXXX XXXX. ON XX/XX/XXXX, I tried to pay something and they informed me that my account had no enough founds to cover the transaction. I checked my bank transactions online and I saw a " REQUESTED WITHDRAWAL " transaction for a total of {$270.00}. I called the bank and they explained me that someone in a different county, same estate of Illinois withdrawal money from my bank account and t " by mistake '' the bank took the money from my account instead of his account. Bank customer service rep. told me that they do not know how that happened and they offered me to refund the money but it will take 2-3 business days. As well they recommend me to go to my branch, spoke with the manager in the branch close to my residence and they will talk to the manager in XXXX branch to " tried '' to correct my account and deposit the money into my account as soon as they can. I asked her what will happen with the payments I had schedule to be withdrawal from my account in the following dates, because those will be rejected it due to no money in my account. She said that they will not charge me an overdraft " if '' they accept one of those payments, but since I had no money in my account, then no one of my payment will be through. That answer do not help me at all, as a result of his error and lack of problem solving at the moment, I will end up with a ton of fees in my end with a different institution that I owe because the payments will not going through. Regardless that they will return my money, this situation extremely concerns me, how is possible to release money to someone that is not even the same sex or nationally as the account holder 's name or picture ; how is possible that the bank will charge me for late fees as quick as next day if I withdrawn my account, but instead, if they make an error they will take all the time they want and leave me with no money for payments that I need to make, in addition with a bad record in my credit report, adding my stress level up to the roof because of a bank error which is not even reasonable or credible.
A couple of months ago, I received a notification of a " missed payment '' from XXXX XXXX from a company named XXXX XXXX XXXX, which I have never heard of. After checking my credit report to verify, I filed an investigation through Equifax to fix the issue. After a couple of weeks, Equifax concluded that the account was mine and should contact XXXX XXXX XXXX, whom they blamed. I tried to contact said company and struggled to get a hold of anyone. Soon after, I filed a complaint with XXXX against XXXX XXXX. They contacted me the next day, assuring me that they did not have any of my information and that it was impossible for them to file against my credit. With that said, I called Equifax again, and I was simply in the middle of two companies blaming each other. Finally, Equifax realized their mistake and started another investigation. I THEN REALIZED THERE IS ANOTHER SOCIAL SECURITY NUMBER LINKED TO MY EQUIFAX REPORT AS " ANOTHER FORM OF ID ''. Thus, I filed another complaint, which they " resolved '' with the following message " we have reviewed your concerns and our conclusions are : the disputed variations of SOCILA security number has been deleted from your credit file. '' Unfortunately, the variations are incorrect and the same another form of ID remains linked to my account. With that being, I have attempted to resolve the issue with Equifax, unfortunately my attempts have been futile. The company has yet to fix the problem and only seems to be making it worse.
National Credit Adjusters , LLC XXXX Date Opened XXXX/XXXX/XXXX Date of last payment XXXX The above-referenced debt, I have disputed this debt with XXXX back in XXXX XXXX. The dispute was in reference to the account being past the statute of limitations of only 4 years ( XXXX XXXX ) for the state of Georgia. This dispute was honored and deleted from my credit report on XXXX XXXX, XXXX. 

This company is trying to garnish my wages for an account that is stale and deleted from my credit report.
I was charged an annual fee of {$49.00} to my credit card account ending in XXXX on XXXX. 
I called US Bank on XXXX and the representative offered to waive the annual fee, and I accepted this offer. 
As of XXXX the fee was still posted to my account, so I again called US Bank. The representative told me they were unable to waive annual fees. This directly contradicts the conversation and the offer I was given on my previous call.
I paid my Macy 's card balance in full and the check cleared the bank on XXXX XXXX, 2015. The company has been billing me {$2.00} per month since for interest charges. The due date for my payment is the XXXX of each month. I do not intend to pay the charges and have called the company and gotten no response.
I have time periods on my credit report where this student loan is being reported as late. I 've never been late on payments and recently paid it off. When I was not actively making payments, I was in deferment. I contac ted USA Funds to resolve the issue and have yet to receive resolution.
I'm in the market tn buy a home, so i checked my credit report and notice some items that i do not recognize and did not approve. These items were not authorized by me and i need these items removed from my credit report asap. I have reached out to the city poilce and the FTC. 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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharged, Bankruptcy : Discharged CH-XXXX, Chapter XXXX bankruptcy discharged.
Information used to verify identity over the phone is outdated, misleading, and an effort to discourage and deny a copy of my consumer report that I am entitled to. 

Specifically asking trick questions of what neighborhood I lived in 25 years ago and that is no longer on my report. The options were XXXX XXXX instead of XXXX XXXX causing me to fail that question. 

Asking the specific amount of a current loan that was financed within hundreds of dollars apart making it difficult to say with out having a credit report in front of me causing me to fail that one. 

Asking about a county I lived in in XX/XX/1989 ... 30 years ago Who do I know that lives in a city I have never heard of. 

This outdated, misleading, and trick questioning is unreasonable and causes an undue burden. This is considered to be done willingly and with malice.
Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts using my identity. I have been receiving harassing, threatening and death threats telephone calls from various creditors. The following accounts are unauthorized and fraudulent accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, U.S. Department of Education.
I had no knowledge of this debt. This debt is held in another person 's name-an ex-husband. I did not receive any letters or notification of this debt. I did not receive any information to verify this debt-was this debt acquired before or after our marriage. This debt is a medical debt in another person 's name that is listed on my credit report-this is a HIPPA violation. I want this debt removed from my credit report.
XXXX wireless shows as collection but I 've never had nor opened an account with XXXX.
In association with the following cases : cfpb : XXXX ; XXXX ; Legacy # XXXX, against 53 XXXX, 53 Bank ( subsidiary ), Board of Directors of 53 XXXX, Executive Officers of XXXX, Pay Other People website aka XXXX Online Bill Pay Funds and 53 Bank XXXX XXXX. I made necessary corrections in what was sent to you on XXXX/XXXX/XXXX. I have angst and a loss of confidence. I know about meeting elements in a cause of action. I failed to do so because I am under extreme duress and financial deprivations. Today, XXXX/XXXX/XXXX, I mailed to XXXX XXXX, Office of the President of XXXX Bank, and cfpb the COMPLAINANT 'S REPLY AND EXHIBITS AND MEMORANDUM OF LAW TO THE REPLY, AND THE COMPLAINT XXXX XXXX, XXXX AND EXHIBITS. My postage was {$1.00} more. XXXX {$7.00} and cfpb {$2.00} for $ XXXX $ XXXX {$1.00}. I made the adjustments to the REPLY. I also highlighted three important elements that I was not specific about in previous documents. Thank you for the opportunity to make an amended Reply and Memorandum of Law to the Reply, with changes in the cost. 

The Complaint XXXX XXXX, XXXX is not on my Flash Drive and I could n't wire it. I did mail a copy and exhibits with the documents mentioned above.
i received a communication by mail from gc services in XX/XX/2016 dates XX/XX/2016 stating they are a debt collection agency and an account with sprint for celluar services is now in collections and transfered to this debt collection agency to collect on XXXX behalf. i mailed back a request asking them to first verify that i owe gc services this money because i had just recieved my last bill in the maila few days after receiving this communication from gc services stating that my bill was due on XX/XX/2016 .how can i owe this bill to XXXX directly and also to a debt collection agency at the same time .i switched from XXXX to XXXX on XX/XX/2016 so it is odd and i dont think this is normal practice that not even a month later before i can even get my final bill in the mail from XXXX my account is already with a collection agaency gc services, especially when the due date on the bill i received from XXXX was the XX/XX/2016 which has not passed before already receiving communication from a third party debt collection agency i sent letters out to the debt collection agency gc services twice requesting the following : 1 ) a valid copy of the original signed contract with the original creditor ; 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) a letter from the original creditor to GC Services Limited Partnership that grants GC Services Limited Partnership the authority to legally collect on the debt ; 4 ) proper and complete written notice concerning the debt ; 5 ) valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party ; and XXXX ) a valid GC Services Limited Partnership collector 's license and the collection agent named XXXX valid collector 's license for the for the state of New york XXXX 
the only thing they have sent me back in return is the bill that i receive in the mail from XXXX and an agreement from XXXX for cellular service. then shortly thereafter my last letter to them on XX/XX/2016 they have not responded to me i was disputing this debt therefore it should have not been reported but they still unfairly reported me to all three credit bureaus as a collection account in XX/XX/2016 .these practices are unfair they blantly ignored my request and spoiled my credit by reporting me to the bureaus. i would like a full investigation as to these practices as i dont feel it was fair and they have broken some rules of the FDCPA.
Tried to call company and ask for information about debt. Caller took down my information and explained to me the debt which was fine. Then I started asking credit information as far as will it be removed from my credit report once it is paid. She told me that they made several attempts for me to pay the debt and I would not so therefore they are not going to take it off my credit report even after I pay it. I told her, I never heard of that, usually if you pay it they will take it off your credit report unless it is public records. She said I need to do my research, got mad at me for disputing what she told me and hung up on me. So I called back to try and talk to another rep. I explained to her what had just happened and she was being just as rude and told me the reason why she hung up on me is because They Are Busy. I told her they are rude and do not worry about it and I hung up. Then I called back just to get the company name.
Castle Credit has called my job, therefore jeopardizing it in numerous times. 
Calling me at my home after XXXX and on week ends. 
Castle Credit has put a lien on my house for a loan less than {$8000.00}.
Collection agency is attempting to collect on a debt that I satisfactorily paid off a few years ago.The collection agency has XXXX the price owed and has negatively placed this collection on my credit report.
chase allowed someone to use my account they have not fixed this since XX/XX/XXXX i 've made them aware of this several time and show them proof that i never received these items
Financial Management Solutions ( FMS Financial Solutions ) continues to be negligent in removing incorrect information about a false debt that it claimed was owed. While litigation was pending, it originally posted a false report about debt owed on my credit report, at the request of its client, XXXX XXXX XXXX. Moreover, it continues to be in violation of federal statute by posting false, and inaccurate data on my credit report. The posted this incorrect information through its employee, XXXX XXXX. 

FMS Financial Solutions posted this inaccurate information to my wife 's and my credit report, while a litigation was still pending. Since we last submitted our report to CFPB, FMS Financial Solutions has finally removed the false debt amount owed, after months of disputing their erroneous information. However, despite noting that no debt is owed, FMS Financial Solutions has failed to remove the dates that it claimed this false debt amount was owed and make the correction to no late payments. Currently on my credit report, it still lists that I had late payments from the months of XXXX XXXX to XXXX XXXX. This information is inaccurate, and therefore a violation of the Fair Debt Collections Act. 

As the evidence shows, after litigation with FMS Financial Solution 's client, XXXX XXXX XXXX, their client 's original claim of debt amount owed was rejected by the court, and we paid the court judgment of a different and lesser amount immediately, on the same date of judgment in XXXX XXXX. FMS Financial Solutions was negligent in correcting this information and has since reported incorrect information on our credit reports ( my wife 's and mine ). FMS Financial Solutions was wrong to post any alleged debt in the first place, while litigation was pending. 

FMS Financial Solutions is still in violation of the Fair Debt Collections Act in claiming false information on my credit report about alleged late payments ( between XXXX XXXX and XXXX XXXX ) on a false amount that was never owed, as the XXXX, XXXX XXXX XXXX XXXX was the only XXXX with authority to determine the actual amount. I repeat, FMS Financial Solutions is still currently in violation of federal law in posting inaccurate information to my credit report. 

We are still preparing our legal case against FMS Financial Solutions ( for any and all continuing damages resulting from its negligence ), and requesting CFPB take necessary action to have FMS Financial Solutions false report about late payments between XXXX XXXX and XXXX XXXX removed from my credit report.
Fraud scams using XXXX death record frauding scams frauding my families divorced out side documents of XXXX XXXX XXXX XXXX death record of XXXX county Indiana Frauding scams frauding using XXXX Frauding scams using land development frauding my documents a grade school documents as land development and back With ids scams and business scams
I have a credit card is a no fee card, but I have been charged {$59.00} a year for 4 years. I called and was unable to speak with a supervisor. I cancelled the card. They stolen money! This is illegal
I was served and went to court on for a credit card debt and I was garnished. The issue is it is my understanding when I went to court I disputed that the debt was too old or that there was credit protection on this account, I am still not sure if it was from XXXX or Bank XXXX. I am sure that I did not own $ XXXX. I have been garnished and I did not work the majority of last year being I was treating for XXXX XXXX. I am a XXXX and I do not know when I am returning to work but I would like to have this off of my credit report.
I've made several attempt to dispute the bankruptcy showing on my reports to XXXX  but to no avail. I contacted XXXX XXXX the reporting company for XXXX and they indidcated the Bankruptcy in XXXX and 2017 that was claimed to be filed was removed and XXXX  has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that XXXX has not contacted them for any information.
i have contacted navient via email to XXXX XXXX XXXX and requested that all dispute remarks be deleted my credit reports ( they have been deleted to date ) and ive pointed out that i received a letter from navient stating that the statute of limitations has expired and XXXX now owns the accounts. yet the credit bureaus have navient reporting ( charge of profit and loss ) with a past due account reported monthly. does this follow FCRA or are they reaging the accounts?
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.