WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX at XXXX I returned a call to check and go regarding a debt of {$870.00}. As I was not sure if the call was legitimate, I requested to receive a document showing what was owed to the company. The woman insisted she was not able to do that and that I needed to set up a payment plan. I voiced concerns about giving that information when I had no proof of the debt I was owed.She again refused to send any documentation to my physical address.
I have some information on my credit report that I have identified under FCRA 605b as being fraudulent and XXXX  and XXXX. I am a victim of identity theft and have identified the items that should be blocked under FCRA 605b The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Accounts from XXXX XXXX with a balance of {$18000.00} that was opened on XX/XX/2018 Installment loan from XXXX XXXX  with a balance of {$28000.00} that was opened on XX/XX/2018 And inquiries from XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX  ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX  ( XX/XX/2018 ) I have asked the bureaus to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. They are willfully not blocking this information thus breaking the law so I am submitting it here so they will be held accountable as well as proof that this information was indeed sent. 

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
On XXXX/XXXX/XXXX I received alerts on my trans union monitoring service that my report had been pulled in response to a credit line increase on one of my credit cards with XXXX XXXX Upon checking I noticed my report was pulled 3 times. I called to discuss it and they said they were n't able to generate a report so they wo n't count. Further more they pulled XXXX the same day as I was on the phone with under writing to process the request. On XXXX/XXXX/XXXX I received another alert and upon checking noticed XXXX new pulls on my report. Again I called XXXX XXXX and was told they did n't pull my report and to contact Trans Union. I called and they said I need to call XXXX XXXX because they are in fact hard pulls done by XXXX XXXX I do n't know what to do at this point because each is pointing the finger at the other but I have XXXX unnecessary credit pulls in 2 days and 1 on XXXX for a simple credit line increase.
I realized that my daughter never received bills for her student loans for her XXXX program through Navient. She graduated in XX/XX/XXXX. 
I called Navient to take the loans out of deferment and they told me they were unable to do so since she was enrolled in XXXX XXXX. 
When I asked to speak to a supervisor ( XXXX at XXXX ) he repeated that could not take the loans out of deferment until they were notified by the XXXX program that school was complete and there had been a 6 month grace period. I would like to start payments on loans immediately - it seems crazy that they want to keep student loans from XX/XX/XXXX in deferment.
Hello good afternoon I have reviewed my credit report from Experian as of today XXXX XXXX, 2016 I 've noticed that there is a reinserted deleted account from : XXXX company This account has been deleted previously from my experience credit report by law they can reinsert the collection account into my report they have n't gave me any notice about it They are breaking and violating too many laws from federal to collection protection act
Last spring I needed to check my credit score to get approved to rent an apartment while at college. I was told that experian gave a free, one time report which was all I needed. Nowhere that day did I want to become a member, especially since I was unaware they were extracting {$24.00} a month for an account I had no idea was running. Very rarely do I check my credit activity because I don't use much banking. Recently, I got recent credit activity and they've been taking that {$24.00} a month since last XXXX. I've tried countless times to cancel my account and they have never gotten in touch with me.
I was called by Monroe and Main credit department at XXXX! They left a voicemail on my cell phone for a {$40.00} payment that was past due by a few days!
Account Resolution Services has been unable to provide proper documentation validating this account. I am seeking immediate action and for the to remove this negative information permanently from my credit reports. Account Resolution is violation of the HIPPA laws. I have sent multiple letters on XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017, asking this company to verify this account and I have not recieved a satisfactory response. The only response I have received is a general bill asking for a payment of {$1200.00}. This this the letter sent to Account Resolution Services for validation of the account. 
This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2017. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under the federal law. Compliance with this request is required under the laws of state and federal statutes. 
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this amount? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or compliants with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
In addition, the Fair Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
I have sent a copy of the request for validation to the XXXX Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
The loan servicer Federal Loan Servicing is the most incompetent company I have ever worked with. They have consistently given me the wrong information over the phone, did not send me important information when I was denied XXXX program, delayed communication, suggested that I let my account go delinquent while they processed information, and the list goes on! Their customer service providers gave half-information, told me to wait for weeks, and then I was forced to pay higher than I should have payments due to their incompetence. I want to change loan servicers. Please tell me how! And get rid of Fed Loan Servicing. They are part of the student loan problem! Not the solution!!!!!
This mortgage lender is refusing me a loan modification even though I work and have income and is dragging there feet and adjourning the case to drive up the arrears forcing me in to a bankruptcy to save my home, they have not sent me a statement in 2 years to make a payment ( no monthly payments I am now {$110000.00} in arrears and I offered them {$100000.00} on XX/XX/2018 and they refused they are not allowing me to work things or mortgage out I believe at this time because of my XXXX or my age at this time.as I have tried to work things out over and over, so the fact I get no statements it can only be because of my age or XXXX at this point.
My complaint is with EQUIFAX. EQUIFAX has no online complaint service that I can find. I have tried too many times to count in the last couple of years to dispute mistakes on my EQUIFAX file with no success. Their online service either asks security related questions that are not related to my credit, or if I get passed that point it will time out before I can complete the process, suddenly becomes unavailable, or malfunctions for a multitude of other reasons with the same result, a lot of time spent with absolutely no results. meanwhile the list of mistakes on my file with them grows. When I apply for credit and the organization uses EQUIFAX, I do not receive favorable results due to the mistakes viewed in my report by the organization, and these mistakes also lower my credit score, something all creditors use exclusively in their decision to grant credit. Creditors may say they look at the entire report to determine ones credit worthiness, but in my experience, not once has any creditor looked at anything beyond the score. I had a foreclosure after enjoying 30 years of excellent credit, getting mortgages on a signature. my credit score went into XXXX and while the foreclosure showed on my credit file I could not get any credit at all. once it was off, the score remained in the same place, I 've now had four years of fighting to get credit with very small limits, but have been excellent at paying everything on time, but still my score stay the same. I have to believe that no matter what I do I will not ever see a credit score of more than XXXX. But I still try by attempting to have the mistakes which over time seem to collect on ones report, removed. I ca n't tell you how many hours I 've spent on this. Please make this company clean up the bugs to it 's system. It 's hard enough in my XXXX 's now to deal with life in the capacity of borrowing at high advantage taking rates by predatory lenders when in my XXXX 's I enjoyed the lowest rates the market offered. When I make the attempt to I should not have to have insult heaped onto injury dealing with an online service that does not work. EQUIFAX has offered this service only to look as though they are making every effort to be transparent allowing individuals to access their credit file, but in truth they 've set it up a facade, an irresponsibly wasting the time of those already set back because of their credit circumstances. They are no better than the criminals who steal from us. Thank you in advance for putting them on notice.
I have two inquiries on my Equifax credit report by the following companies ; 1.  XXXX XXXX XXXXXXXX. on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with Equifax and XXXX and XXXX XXXX XXXX.
After clearing up any and all outstanding debts that I had, as well as, educating myself with my finances, I ran all XXXX credit reports and understood what I was looking at. I ran my credit report in XXXX and immediately sent all the companies on my report with incorrect debt information and my name listed on debts that are not mine. I requested a formal response to prove the account was mine. Capital One replied many discrepancies with XXXX separate letters dated on XXXX XXXX, XXXX. On the credit report it states " my account '', that I do not recall, was charged off with a balance of {$250.00} with CAPITAL ONE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXXBut then states in the letters ( Letter XXXX ) dated XXXX/XXXX/XXXX, account ending in XXXX, ( stalling tactic ) that they are asking me for the information that I had already given them in my original letter that was mailed by certified mail. I can include that letter to you that shows all the information was already stated on the original letter. the ID on this letter they sent me is XXXX and requesting me to mail them back AGAIN. 

The XXXX letter dated XXXX/XXXX/XXXX Ref # XXXX with Acct ending in XXXX states they are informing me that this account has been sold to XXXX XXXX with a balance of {$450.00} and for me to contact them. And the ID on that letter is XXXX have never made any payment to Capital One for any credit card in XXXX, XXXX or XXXX and I wanted proof that this account was indeed mine. The amount said due and the credit limit as well as what I am saying that I owe do not add up. I am stressing out over these letters which show me that they can not validate this account and that there is possible fraud due to a credit card that I do not own. I have spent a large amount of money trying to clear these debts that are not mine, and have been to the doctor repeatedly for the other conditions in which have been affected by these debt stresses. I can not sleep and hope this can be cleared. Please investigate this and inform me of what else can be done. I have sent the company my social, ID, copy of the credit reports and capital One is requesting it again and now says I need to contact other companies in which they are listed on my XXXX credit reports. 

Listed on all three credit reports by Capital One. 
Date Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CREDIT CARDDate Updated : XXXX/XXXX/XXXXLast Payment Made : XXXX/XXXX/XXXXOriginal ChargeOff : $ XXXXPay Status : & gt ; Charged Off & lt ; Terms : Paid MonthlyDate Closed : XXXX/XXXX/XXXXHigh Balance : High balance of {$390.00} from XXXX to XXXX ; {$440.00} from XXXX to XXXX ; {$440.00} from XXXX to XXXX ; {$450.00} from XXXX to XXXX/XXXXCredit Limit : Credit limit of {$300.00} from XXXX to XXXX ; {$300.00} from XXXX to XXXX/XXXXEstimated month and year that this item will be removed : XXXX
My home is in a DECLARED NATIONAL DISASTER area due to the wildfires, I have applied and requested disaster assistance and forbearance but in the middle of the review my loan was transferred to a new servicer and they will not push or hold the sale date to review the disaster request. I have tried to contact them for over a week but they kept telling me that they do not see my account information because it is in the transfer process. I have a sale date in 3 days, but I am a disaster victim. Please help me
This company has chosen to attempt to collect a debt that is not due and has not been verified. As a customer and the person they are accusing of owing this debt I can attest to them placing this debt on my credit with neither a contract or any attempts to contact me. Also the company who sold this debt is a private real estate management company who's tactics are unethical, they do not honor their contracts and have not made the proper attempts to seek any form of payment for the debt they claim I owe. These actions from the two aforementioned parties have costed myself and my family on several occasions to live in places we did not desire to live and has changed our finances in different ways. Due to the malpractice of this collection company, I now have a blemish that I have never had before and would advise anyone that if they are dealing with this situation to take an action.
In the month of XXXX 2016, I contacted my lender for assistance with my home loan due to a hardship in hopes of qualifying for a home loan modification. After going though the financial process over the phone my Customer Relationship Manager told me that I was qualified for a modification. He told me that he would send the required paperwork out via Next day XXXX. I received the paperwork weeks later through regular mail. I asked why I did n't receive overnight as he advised and I was told by the CRM that he would look into it. I immediately sent over the required documentation as requested. The CRM acknowledged having received it. I received a correspondence in XXXX advising that my information had been received and if anything else was needed a letter would be sent out to me advising of what was needed. I never received any other letters only phone conversations between me and my CRM. Each conversation was the same with him asking for the same information week after week even after acknowledging that he had already received it every time it was sent. He claim that the underwriter was asking for the explanations which were also provided every week. Ultimately Bank of America dual tracked my account deliberately causing me to run out of time to choose another option to prevent them from fraudulently stealing my home. Everything that they requested was sent over and over, and even after acknowledging weekly that the information was received they are now lying claiming that the information was not received. On the XXXX of XXXX and on XXXX/XXXX/16, day of the sale they asked me for another application that included the co borrowers information. At the start of this process the CRM and the underwriter said that I could apply on my own ; a quit claim deed was sent also. XXXX business day before the sale I was told that they would not accept the request for modification without the co-borrowers info.Instead of them telling me from the beginning that they could not accept my info alone they waiting until the last minute intentionally. Either was I then submitted that information as well which was on XXXX. The CRM acknowledged receiving it via fax the same day. On XXXX he asked for a second application though I had already completed XXXX in XXXX 2016. I sent it over via fax just as I sent all other documents. At that same time the CRM claimed on XXXX that he was sending over a request to postpone sale date due to all docs on file. The sale was never stopped. I contacted the foreclosing attorney 's office on XXXX the day after the sale. They advised that they did not receive a request for postponement. I asked if it could have possibly gone through another department and he said no. He adivised that they and BOA worked in a shared system and the last note he showed on my account was XXXX/XXXX/16. Bank of America lied. They induced me into believing that I would get a modification while foreclosing at the same time. Being that the foreclosing attorney 's office never received a request, I know that BOA had harmful intentions where my account was concerned which is deplorable.
Loan that was paid is being drafted by an illegal Tribal Lending Company. Cease & Desist, and needs to stay out of my bank account!
The bank will NOT let me close my account even though it has been no charge for the checking account and now Regions Bank has charged me a monthly fee without using the account. I was waiting for the direct deposit to start depositing into my new bank account to close the account. Now I presume they will keep charging me a monthly fee b/c I have a negative balance ( monthly fee charged without letting me know they changed my account from a free account to a monthly fee account ). Regions Bank on XXXX XXXX in XXXX, LA ( XXXX XXXX ). 

XXXX XXXX
Iberia Bank Credit Card was cancelled online and via mail with XXXX balance due, and prior to annual fee being due. Card was then charged annual fee, then late payments were charged also. XX/XX/XXXX online contacted to remove fee, XX/XX/XXXX, Iberia email says dispute resolved, approved. XX/XX/XXXX balance of XXXX not credited, contacted again using their online service to ask why charges have not been removed, asked that they be removed immediately. XX/XX/XXXX Iberia email says transaction dispute approved. 
However, charges still appear. I also received a late payment notice dated XX/XX/XXXX. Obviously they did not clear it onXX/XX/XXXX as stated in their email message to me.
Following up, now for a second time, Capital One 360 refuses to complete transfer of my IRA accounts to XXXX Bank. You responded by email to my original complaint XXXX to you, writing that Capital One claims to be investigating. Since they began investigating, they have refused AGAIN to make the same transfers.
XXXX XXXX XXXX ( XXXX XXXX XXXX ) continues to report two obsolete credit card accounts. The XXXX XXXX XXXX ( XXXX XXXX ) credit card is account number XXXX and XXXX XXXX XXXX Credit Card ( XXXX ) XXXX. <P/>Both of these XXXX XXXX XXXX accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both XXXX ( XX/XX/XXXX ) and Transunion ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XX/XX/XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with XXXX XXXX XXXX with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with Transunion. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. XXXX XXXX XXXX has furnished the date of default as occurring in XX/XX/XXXX to XXXX - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted from my credit report.
Home equity loan service company SLS took over from another home equity loan service company XXXX in XXXX. Since SLS has begun servicing nothing has been correct on my account since, including payments made. Below is a description of the problem. 

In good faith I have attempted to get resolution with you, ( SLS ), regarding errors to my account to no avail. My account has always been in good standing with you, XXXX I provided proof of all payments for 2015 ) since you took over servicing from XXXX, however my current monthly statement does not reflect so. Each month, proactively, I have called SLS speaking with a number of individuals in executive services and have received acknowledgement my account is n't correct in some way or other and from several individuals been told that you had a number of errors from XXXX accounts that came to you from XXXX including mine. I was also told by XXXX that my monthly payment is n't enough to payoff the entire loan balance under the terms of the modification I completed with XXXX last year and someone needed to complete an audit. 

From XXXX last month, a review of my account is warranted, monthly payments were n't applied properly and that I would receive a call back from someone within 5 days after a review. Nothing by SLS to audit or correct my account has been completed. 

Therefore, since you have been negligent in completing a through review of my account and correcting errors, including payments, I am filing a complaint against SLS with the Consumer Financial Protection Bureau an affiliate of the XXXX Treasury that oversees improprieties against consumers. I also have reason to believe that due to my account errors with you my credit rating has been denigrated.
I have tried to print my mortgage statements from US Bank Online and the system has been down for 4 days. 

Can my 3 months of mortgage statements be emailed to me XXXX
I was promised XXXX pts from Citibank for opening the HHonors credit card but I have n't received it yet