WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX/EXPERIAN/XXXX XXXX XXXX  Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE MONEY TO YOU, FOR ONE THIS ACCOUNT WAS ALLEGEDLY OPENED IN XXXX, YET YOU HAVE THE START DATE OF NEGATIVE FROM XXXX. YOU ALSO SHOW NO PAYMENTS EVER PAID SO THIS IS INCORRECT REPORTING EVEN IF IT WAS MINE, YOU ARE REPORTING IT WRONG. This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
I have submitted a claim against Experian with the attorney general office case number XXXX. This case is in regards to XXXX account # XXXX. For monetary relief from your agency for continuing to report this account verified with no bases or proof.
We had received an approval for a short sale with GreenTreeXXXX the buyer did their inspection and issues came up on the report. I alerted my closer at GreenTree ; XXXXXXXXXXXX, about the property report, and the buyer wanted a reduction in the price to cover the repairs ; and he told me that XXXX will not reduce the purchase price so I need to close with the approval I had. I contacted XXXX and they asked that I forwarded the property report to the servicer and they will forward my request to them to review it. I emailed me : XXXXXXXXXXXX, the reports and the addendum asking for a reduction in the purchase price. The closer XXXX XXXX, refused to forward the email to XXXX. I requested multiple times and my request went in vain. I decited to circumvent the servicer and email everything XXXX. This was when I received an email XXXX that my file wad cancelled in GreenTree negation system XXXX went ahead and reduced the Value to XXXX less although GreenTree refused to submit what XXXX had requested. This seems to be a practice of GreenTree to force you to close. I need my file reopened so I can close on this sale.
I have filled numerous complaints with XXXX and Equifax. XXXX finally responded by removing the XXXX loans that were originaly South Carolina XXXX Loans # XXXX which were well over XXXX XXXX XXXX. XXXX sold these same loans to XXXX Collections XXXX. XXXX only removed just XXXX of the XXXX Collections # XXXX and not the other XXXX were left on the report and need to be removed as they too have been sold by XXXX.These other XXXX loans are both numbered the same which are # XXXX both reported on XXXX/XXXX/XXXX according to XXXX XXXX XXXX. Equifax has all XXXX XXXX Collections Services still on my report which XXXX has sold to them and they are the same debt.I have previously asked that they be removed also. We were warned by the refinance agencies that XXXX would be difficult to deal with and they were right.I am XXXX XXXX XXXX living on a fixed income and need to refinance my house but the the game playing by XXXX and Equifax still continues. Why did n't they remove the others like XXXX did?
Santander consumer, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added
at the time the account was opened my son was injured XXXX. The debt went to court at the time the circuit court judge threw out the judgement but the company has yet to remove this medical debt off my credit furthermore they are in violation of the HIPPA privacy act by placing medical collections on my report of the public too see which is in violation of my rights the company needs to remove off my credit report and also remove the negative markings the debt or judgement has been finalized.
XX/XX/18 XXXX mortgage company transfer my loan to Caliber Home Loan without providing the information I requested regarding, Real Estate Settlement Procedures Act. 

I reqested proof of Real Estate Settlement Procedures Act ( RESPA ) to Caliber Home Loan, including its chain of title, and required notices of transfer, and that the foreclosure proceedings cease on XX/XX/2018 pending receipt of said documents. However, I had not receive the information, and Caliber Home Loan is moving forward with a foreclosure on my property.
Emergency room physician bill wasnt paid initially due to billing error ( he was hit by a car on his bike, they billed his visit as a headache ). After speaking with the billing company and insurance, bill was paid XX/XX/2016. Equifax and other credit reporting agencies listed the bill as unpaid, after a debt collector reported it to them XX/XX/2016. I have repeatedly sent the debt collector copies of the EOB from the insurance company indicating that the bill was paid, and contacted the billing company ( XXXX ). I called the debt collector again today, who said to fax the info to them. I tried to fax it, no one answered the number they gave me. They wont discharge this on his credit report, they wont accept the fax.
I for the first time leased a phone from XXXX.I had been a customer and swore by them being the best ... until they treated me in professional, charging me for a broken phone that off & on from XX/XX/XXXX ... They did n't want to fix their phone bcuz it has had a warranty on it by XXXX ... They would not help me at All ... I had to go to XXXX XXXX to get a phone # ... .So I sent the phone back to them and received it the end of XX/XX/XXXX it is still not working ... Do now XXXX nor XXXX are returning my calls no one is listening to me at XXXX..I had to remove everyone off of my account ... .I am on by myself and they are charging me for a broken phone, I had someone finally reach out to me & put me through to someone who knew that there were broken teeth on the mother board, he was sending me a replacement phone bcuz I could n't break the phone it was internally broken. 
So I received two letters one said I had a month left to pay the bill I have stood my ground that my phone is broken and need someone too listen and assist me Second letter gave two months so it would carry me through the end of contract ... They stressed me out to the point where my XXXX XXXX was XXXX ... So I told them you are charging me for a broken phone, a replacement phone that does n't work either bcuz the phone # is on restriction so I have been charged for a BROKEN PHONE, NO SERVICE SERVICE TO REPLACEMENT PHONE & I caught up with anything I owed from XXXXXX/XX/XXXX ... .So BASICALLY they were charging me {$750.00} a month With no service, on the broken or replacement PHONE They never turned on ... So after my contract ended I started with another company explained everything I needed them to know .... 
Thank You for allowing me to vent & put everything that I could SHARE ... It is a Very hard time even to getting me SICK I never have dealt with careless people ...
" XXXX XXXX '' left a voicemail on my cell phone XXXX/XXXX/2016 claiming to be a process server stating that I have charges and a claim that was filed against me, and said that I was being served. In the voice mail she gives a " case number '' to reference. She also called my work, and a friend of mine stating the same thing that I was in the process of being served. After not returning her phone calls or messages immediately because I was at work, I got three calls in a row from what appeared to be my XXXX job. I answered the third phone call and it was this " XXXX '' person, not in fact someone from my XXXX job. She was talking really loud and fast. I could n't understand much of what she was saying. I caught something about getting a " cease and desist '' otherwise I was going to be served with a lawsuit. Upon calling the XXXX number, the automated message makes it sound like it 's an attourney 's office, and you have to give a " case number ''.
On Monday, XX/XX/2018 a XXXX XXXX XXXX, call my cell phone as ask for my name and date of birth. I did confirm that i was the XXXX XXXX and knew about this debt. Did try to make arrangements with the XXXX about this issue but the officer notify me that he wasn't from XXXX XXXXXXXX XXXX and they are going to collect this debt and accuse me of opening this account in the false pretenses. Even threat me, that they were going prosecute me and take everything i owned. I at this point told him i am not going to respond to threats and please get off the phone which then told me all the personal stuff including verbally attacking me say if " if you can afford your car payment you will afford payment i offer you. So start paying up now. Which at that point i hung up to phone which he called again.
Diversified consultants is claiming I owe them money from XXXX XXXX. I claimed bankruptcy way after I had service with them Saying I owe XXXX
After sending information to verify myself with my disputes ( XX/XX/18 ), XXXX, Experian, XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Im writing again, hoping you can contact Wells Fargo and get them to properly review my loan for assistance options. I submitted my application for assistance well before their stated cut-off, and have been diligently supplying follow-up information as requested. In spite of my active review, they have not removed my sale date, which I have been informed is in direct violation of federal foreclosure laws.

To summarize again how I got here, I took a new job in XX/XX/XXXXof 2016. But my first paycheck bounced. It was a nightmare! I worked constantly but wasnt able to pay my bills. Things started to pile up. Late fees added up. It didnt seem like there was anything I could do to dig myself out of this hole. I tried my best, but two of my mortgage checks bounced because I was not being paid. Despite working and working, I couldnt depend the checks I was given would go through. I quit and took another job that paid less.
Company took there truck back as a LEMON after I only had it two weeks . This should not be reported on my credit as if i didnt pay it off
I have a loan with GM FINANCIAL. 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 and GM FINANCIAL with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
I applied for XXXX loan forgiveness for the remainder of my federal loans, after working in a XXXX for XXXX full-time consecutive years. My application was denied because part of my loans, which were consolidated in XXXX, was from prior to XXXX XXXX, XXXX. Most of my loans are from after XXXX through XXXX. I do not think it is fair that I have met the qualifications, and I 'm being " punished '' by a denial, because part of my overall loan is from before XXXX XXXX, XXXX. Consolidation is not a part of the language of the law, and consolidation is a natural, financially savvy way to save money on loans and/or debt. Essentially, I was told that I 'm being denied because my loans are consolidated with whatever loan is left from prior to XXXX XXXX, XXXX. If I never consolidated, then, the loans from after XXXX XXXX, XXXX could be forgiven. I do not think this is fair, and also, it seems I have a valid argument here, because the law does now mention consolidated loans. Also, the new date on the overall loans is the consolidated date of XXXX/XXXX/XXXX, so why is that not the date of the loan forgiveness?
I had an XXXX XXXX XXXX cell phone. I had their service for 8 years. With no notice or warning one day I could not call out. My calls were dropping, I could not hear incoming calls. This went on for over a year. I made numerous phone calls to them. I have to have a wireless carrier I travel for work and I have clients that I see that live is this area as well. I asked XXXX XXXX XXXX to let me out of my contract. I could no longer continue my service it was not working correctly. I had no choice but to turn my phone in and switch. XXXX paid XXXX XXXX XXXX. XXXX XXXX XXXX charged me for my phone that I turned in and was paid for. I have disputed this debt. I have tried to speak to them. I finally got the collection removed from my credit report. Only to have it added 2 months later. I was never notified in advance of the account being added. they are in violation of the reinsertion law. This is effecting my ability to obtain a mortgage. I do not owe this money.
To whom it may concern,  XXXX   XXXX ,  2017  I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which was  Inquires are a factual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n ot investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consum er In b est regards,  XXXX   XXXX
I terminated my lease ( in compliance with Texas law ) with the XXXX XXXX/XXXX  XXXX and moved out in XX/XX/2017. They immediately sued me for roughly one month 's rent ( {$2300.00} ), the case was dismissed by the County Court at the hearing on XX/XX/2017 after I agreed not to sue them for damages. A month later National Credit Systems contacted me claiming I owed roughly {$7600.00} to the apartment complex. I provided them with a clear explanation and certified copies of the Court dismissal order, and even gave them a copy of my new lease showing I had moved out in XX/XX/XXXX. They ignored the information and apparently " bought '' the debt from the apartment company, after which they contacted me repeatedly demanding that I agree to pay at least some of the alleged debt or they would report it negatively to the three credit bureaus - which they did despite knowing the XXXX 's claim that I owed them money had been dismissed by a Court of Law. They continue to report this fraudulent item and I am being harmed. I provided all this information to all 3 credit bureaus but they refuse to remove the fraudulent item from my file.
I have a credit card with barclaycard us. I informed barclay of an unauthorized ( refund ) charge on my account by a merchant who send an email confirmation stating that this charge was refunded and should be refunded. I provided the refund confirmation email to barclay over a year ago to no avail. I have been back and forth with barclay for an entire year. The provided a provisional credit and then reverse the credit with no explanation. I last spoke with XXXX a customer representative of barclay on XXXX/XXXX/XXXX who confirmed that all the documents was received for the credit and she send an email to that department for processing. She informed me I will hear from barclay in 72 hours and no one contact me. I called again on XXXX/XXXX/XXXX and spoke with XXXX again and she again said someone will contact me when the charge is reverse. I did not receive any calls from anyone. I have received interest charges on this account for over a year and I am asking for the reversal of the charge and the all interest charges for this transaction over the entire year plus. 
The amount is {$210.00} and the company name is XXXX XXXX. XXXX has not respond and refuse to response since communication in XXXX.
On XXXX XXXX,2017 @ XXXX I checked in the XXXX XXXX XXXX for two nights. My XXXX card was charged {$230.00}. Hotel also requested {$100.00} for incidentals which I placed on a bank master card ending in XXXX.

XXXX last 5 on the card XXXX.

The morning of XXXX I went to the front desk and requested a check out after one night, because a snow storm was approaching New York. I did not want to stranded there.

Hotel clerk ok 'd the departure. Included his name on the invoice and wrote for one night, which I did request. I have had problems with XXXX before Charges were processed as stated on invoice total for the one night {$110.00} {$230.00} less {$110.00} is {$110.00} which should have been returned to my card within 5-10 days. As I begin to call about the return of my money to the card things became complicated. One supervisor said " it would take 45 days '', I kept calling, then I was given a phony number to fax any documentation I had as proof, the number was for the gift card department and not a fax machine. After two more wrong numbers I was given the right number for a fax machine. I paid {$14.00} and faxed the documents same Documents I 'm sending here. I called that same day to tell my story to the first responders who answer the phone and requested they give me a supervisor. this time it was XXXX. I explained to him what I had done ; he placed me on hold to check, he returned 5 min. later and said " they did not have them and he wanted me to resend them. I asked him if he really want me to go spend another {$14.00} totaling {$28.00} and send these papers. He said he would refund the money I spent faxing the docs. I strongly believe it not too be true of refunding {$14.00}, because of the anguish I have experienced just trying to recover the money they owe me.
I have tried to dispute this issue with the credit reporting company but they will not answer the phone when I call. I can not go to them directly because I live in XXXX TX and they are in XXXX XXXX, TX ( I 've never lived there ). This account/apartment is for my son who is attending college in XXXX, TX. I applied to be his guarantor but was denied. When he was asked to vacate, the complex listed this as an individual account on my credit report and not to the person who was/is responsible for the debt. I do not have a copy of the denial because it was never sent to me, I was just told I was denied over the phone with XXXX of the leasing agents
Our private checking acct was hacked and a fraudulent wire transfer was submitted through online banking to an individual we have never met/nor heard of. Chase bank refusing to return {$870.00} back into our 'new ' account until investigation is complete. They also stated 'there is no guarantee that you will get your money back. ' In addition, we went to branch manager and requested his assistance and he was unable ( due to superiors above him ) to return the $ , their instruction to him was they could not return the $ $ because our 'frozen/dead account was in a negative balance. ' The negative balance is equal to the amount that was stolen ( fraudulently wired ) plus the amount we withdrew to open a 'new account ' with new identification information to prevent further fraudulent activity. We have a copy of the document proving the date, time and what bank and customer got the . We also have a text message from Chase to my husbands cell phone with a message stating 'you will no longer receive fraud alerts at this phone # ' from XX/XX/XXXX, which appears to be when someone hacked his phone/online banking and changed the fraud alert main phone number from his cell to another phone number. The branch manager has been extremely helpful and equally frustrated because his 'people ' with Chase are missing the big picture. We are unable to pay our house payment and other bills will be delayed because of all of this. Chase could care less and basically told my husband you are 'screwed '. This is unacceptable business practice and we have a police report and the routing number of the bank that accepted the illegal wire transfer. The police report # is XXXX XXXX Police Dept. Officer XXXX # XXXX. XXXX Tx. Ph # XXXX. The checking acct # below is the new account because as far as Chase is concerned, the old one is dead ( the hacked/frozen acct. )