WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted several times to rectify my issue with XXXX  and Transunion regarding a collection account that is showing open from collection agency XXXX XXXX account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with XXXX  and Transunion and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.
On XX/XX/XXXX I was approved for a Citibank account. This date is shown in the official correspondence I received from Citi. When I contacted Citi about my promotional offer of {$300.00} they denied that I was eligible for the bonus. They stated that it was past 30 days to make the initial deposit. Since my account was opened on XX/XX/XXXX that means I have until XX/XX/XXXX to make my initial deposit for the bonus requirement. 

Here are the terms so there is no confusion : Receive a sign up bonus of {$300.00} when you complete the following requirements : Open a new eligible consumer checking account in The Citibank Account Package Within thirty days, make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or new or existing Citi Savings Account or existing Citibank Savings Plus Account, and maintain a minimum balance of {$15000.00} for sixty consecutive calendar days following the date when you made the qualifying deposit. 
Within thirty days, 1 qualifying Direct Deposit must post to the new checking Account each month for 2 consecutive calendar months after opening the new checking account. 
The Fine Print For the Citi Priority Cash bonus offer, Eligible Customers are New-to-Citibank customers who ( 1 ) enroll in the Priority Checking Offer, ( 2 ) open an Eligible Checking Account as first signer and are also ( 3 ) at least eighteen ( 18 ) years of age, and ( 4 ) have a valid XXXX or XXXX XXXX on file with Citibank. ( 5 ) have not been a signer or owner of a Citibank checking account within the last 180 calendar days. 
Eligible Checking Account means a new checking account in The Citi Priority Account Package. Fiduciary, estate, business, and trust accounts that are not Living Trusts, are not eligible for this cash bonus Checking Offer, even if the account otherwise meets the definition of Eligible Checking Account. All accounts subject to approval. The Eligible Checking Account and, if applicable, Eligible Savings Account, must be in good standing for the Eligible Customer to receive this cash bonus offer All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Synchrony Bank the issurer of my Amazon Store Card has demonstrated unfair practices concerning my account. Example : credits and adjustments my be reflected in my account but latter placed back onto my account as a charge. My XX/XX/XXXX statement is a fine example where 1. credits and adjustments were made purchases as well. 2. At closing I had {$130.00} available and a balance of {$1600.00}. 3. Interest charge is {$38.00}. My new balance is {$1600.00}. At this time my credit limit is {$1800.00}. 4. At closing, my credit limit is reduced to {$1700.00} and my available credits is XXXX. No addition information was supplied until after my statement arrived ten days latter.
ON FRIDAY XXXX XXXX, XXXX XXXX DEBITED MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX. I IMMEDIATELY TRIED TO FILE A FRAUD CLAIM BUT WAS TOLD THAT I COULD N'T BECAUSE IT WAS STILL PENDING. IT TOOK 5 DAYS FOR THE DEBIT TO POST TO MY ACCOUNT. I IMMEDIATELY FILE A FRAUD CLAIM, ON XXXX/XXXX/XXXX I VISIT THE XXXX LOCATION WITH QUESTIONS REGARDING MY PENDING DIRECT DEPOSIT. I WANTED ACCESS TO MY DIRECT DEPOSIT. i SPOKE TO XXXX XXXX. SHE CALLS THE FRAUD DEPARTMENT AND WAS TOLD THAT IT COULD TAKE SEVERAL MORE DAYS FOR IT TO BE RESOLVED. AFTER SEVERAL MORE CALLS SHE SAID THAT THE BEST WAY TO GO WOULD BE TO BLOCK MY DIRECT DEPOSIT FROM MY CHECKING ACCOUNT AND TRY TO DIVERT IT TO MY SAVINGS ACCOUNT. I TOLD HER TO GO AHEAD AND BLOCK IT. SHE SAID I WOULD HAVE ACCESS TO IT FRIDAY AFTERNOON. ON FRIDAY AFTERNOON I CHECKED MY ACCOUNT AND STILL NOTHING SO I MADE ANOTHER TRIP TO THE XXXX LOCATION AND AFTER SHE MADE SEVERAL MORE CALLS SHE INFORMED ME THAT IT WOULD BE TUESDAY BEFORE I WOULD BE ABLE TO HAVE ACCESS TO MY FUNDS. YESTERDAY XXXX/XXXX/XXXX I LOG INTO MY ONLINE ACCOUNT AND MY DIRECT DEPOSIT HAD BEEN POSTED TO MY CHECKING ACCOUNT AND NOT TO MY SAVINGS ACCOUNT WHICH I WAS ASSURED WOULD NOT HAPPEN. I CALL THE XXXX BRANCH ( XXXX 'S DESK ) AND SHE IS OUT OF THE OFFICE. I TRY TO CALL THE MAIN NUMBER BUT CAN NOT GET AN ANSWER SO I CALL THE XXXX BRANCH. I SPOKE WITH XXXX ( I DID NOT GET HIS LAST NAME ). AFTER BEING PLACED ON HOLD FOR AWHILE, XXXX INFORMED ME THAT I NEEDED TO SEND A COPY OF THE RECEIPT WHERE I HAD RETURNED THE MERCHANDISE TO XXXX. HE GAVE ME THE FAX NUMBER AND I WENT DIRECTLY TO MY SONS PLACE OF BUSINESS AND FAXED A COPY OF THE RECEIPT TWO TIMES. I WAS TOLD THAT WITH THE RECEIPT THAT I SHOULD SEE MY FUNDS AVAILABLE BY TODAY. 
WHEN I CHECKED MY MAIL YESTERDAY EVENING, THERE WAS A LETTER FROM BB & T STATING THAT MY CLAIM WAS DENIED. IT WAS DATED XXXX/XXXX/XXXX WHICH WAS THE DAY XXXX FIRST WENT INTO THE XXXX LOCATION. IF THE FRAUD DEPARTMENT HAD ALREADY DENIED MY CLAIM WHY WAS N'T I MADE AWARE OF THIS ON THAT DAY. WHAT BOTHERS ME MOST ABOUT THIS IS THAT I WAS AT THE BANK XXXX XXXX & XXXX AND WAS NOT TOLD I NEEDED TO FAX ANYTHING OR THAT THE CLAIM HAD BEEN DENIED. 
I CHECK MY ACCOUNT THIS MORNING AND NOTHING HAS CHANGED SO I CALL THE FRAUD DEPARTMENT WHERE I WAS TOLD THAT THEY HAD NEVER RECEIVED MY FAX.
To Whom It May Concern, I am writing in reference to reference number XXXX, for XXXX XXXX. The debt has been paid as agreed to XXXX, XXXX, XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX, IL. 

Due to a lack of communication between XXXX, XXXX, XXXX and XXXX XXXX and Portfolio Recovery Associates my XXXX, XXXX, and other credit reports still state that the debt is in collection, and also further show that it is being disputed. 

Please report that this debt has been paid in full, and please request to remove any trade-line disputes on my records. Failure to do so will result in recourse for reporting debt that is inconsistent, as well as to seek punitive damages. 

Further, If I do not receive a letter via e-mail as well as registered postal mail to XXXX XXXX located at XXXX, XXXX, IL, XXXX indicating the debt has been paid in full, and request of removal of trade-line disputes then I will be forced to file for legal action. 

Best, XXXX XXXX XXXX, XXXX, IL XXXX
XX/XX/XXXX approx. XXXX XXXX c.s.t I received a call from a woman named " XXXX '' at ext XXXX who said she was with ATG Credit and collecting a debt from XXXX about a XXXX computer from back in XX/XX/XXXX. I immediately told her this was fraud and explained I was requesting a full validation of debt as per my rights with the FDCPA. On XX/XX/XXXX I  received a packet from ATG Credit that was what they call a " Fraud/ID Theft Handling Packet '' and in this packet they are requesting I write to them critical personal information including my date of birth, social security #, my home and work phone numbers, current and past addresses and tell them about the fraud. 
Also on the letter it states that the creditor is XXXX XXXX XXXX XXXX and I have no idea who that company is either. I do not feel comfortable giving this information to a 3rd party collections agency that obviously ca n't validate the debt they are claiming to represent that is already over 10 years old, has NEVER been on my credit report, and I have never owned a XXXX computer nor bought ANYTHING on XXXX! I feel this is a complete scam, the ATG credit company has an A rating with the BBB with over 90 complaints so we know that they obviously buy their rating.
XX/XX/XXXX : I was supposed to close on my short sale today but I am no where near that because roundpoint mortgage is not providing quality timely responses. They have denied every allowable charge submitted by peace mailing responses. I'm not coming to the table with anymore money. Roundpoint should pay for closing assistance, ground rent, hoa, water assessment as allowable charges!!! If the buyer walks away it's going to be Roundpoint's issue. Enough of the run around!
1. I refinanced my old loan issued by Nationstar with a new loan from XXXX XXXX NA. The settlement of refinancing was done on XXXX XXXX, 2015 with a settlement company named XXXX XXXX XXXX XXXX ( " XXXX '' ). 

2. The new loan was issued by XXXX XXXX on XXXX XXXX, 2015 ( see Exhibit1 ). 

3. On XXXX XXXX, 2015, XXXX XXXX ( apparently using XXXX XXXX XXXX ' account ) wire transferred {$240000.00} through the XXXX XXXX ( which is XXXX ) to XXXX XXXX XXXX ( which is Nationstar 's bank ) as instructed in the payoff quotation issued by Nationstar on XXXX XXXX, 2015 ( see Exhibit 2 ). 

4. On XXXX XXXX, 2015, XXXX XXXX received a request for information from XXXX XXXX demanding information about me ( date of birth, place of birth, and so forth ) ( see Exhibit 2 ). On the same date, XXXX XXXX sent the requested information about me to XXXX XXXX Bank by email ( see Exhibit 2 and for the attachment to the email, see Exhibit 3 ). 

5. On XXXX XXXX, 2015, XXXX XXXX XXXX released the funds to Nationstar ( see Exhibit XXXX ). And on the same date, XXXX XXXX demanded Nationstar to pay off the old loan as of XXXX XXXX, 2015 since it was the date on which Nationstar 's bank received the payoff amount ( see Exhibit2 ). 

6. On XXXX XXXX, 2015, Nationstar told me that the wired fund was short of {$170.00} to pay off the old loan, and the loan was still pending and would keep accruing interest of {$39.00} a day ( see Exhibit 4 ). Nationstar explained to me that it did not apply the funds to pay off the old loan because the old pay-off quote was valid only until XXXX XXXX, 2015 ( see the Payoff Quote in Exhibit 2 ). 

7. On XXXX XXXX, 2015, Nationstar called me again and demanded additional interest amount of {$470.00} to pay off the old loan ( see Exhibit XXXX ). XXXX XXXX wire transferred the shortage amount to Nationstar 's bank ( XXXX XXXX XXXX ) ( see Exhibit 7 ) on the condition that I reimburse XXXX XXXX 's additional cost ( see Exhibit 6 ). On the same date, I sent out a check of {$470.00} to XXXX XXXX ( see Exhibit 8 ).
All three credit bureaus are showing collection amounts for two hospital charges ( XXXX XXXX, XXXX, TN ) that occurred on XX/XX/XXXX and on XX/XX/XXXX while I was still in college at the XXXX XXXX XXXX. I only found out about these past due charges on XX/XX/XXXX, upon completion of my training in XXXX XXXX with XXXX XXXX and my return to XXXX area. 
These charges were in regards to a emergency room   visit. XXXX XXXX did not initially cover the charges of {$800.00} and {$880.00}. The bills were sent to a collection agency without my knowledge as the XXXX XXXX had sent the eobs to my old college address and they were not forwarded. I have discussed the charges with XXXX XXXX. Per XXXX XXXX, the charges were initially denied as being out of network. But upon their review, the charges should have been covered since it was an emergency room visit and they stated out of network does not apply in those situations. 

XXXX XXXX is in the process of re-billing the visits. They have indicated I should received the updated EOB within their next billing cycle and at that time this issue will be resolved. 
Meanwhile, both of these charges have killed my credit score without my knowledge I even had any charges not paid and certainly nothing sent to a collection agency. I have NEVER been late or simply not paid a debt. 
Can you somehow get the credit bureaus to indicate these unpaid charges are under review for accuracy until I get the situation rectified? 

Thank you, XXXX XXXX XXXX
on XXXX XXXX, 2013 I received several phone calls from Onemain Financial about a payment on my account stating that my account was past due. and and the lady told me i better bring my XXXX XXXX to the office and make payment, i went to the office and told her she will treat me with respect and she called the police on me. so i sent a cease and desist letter to Onemain Financial to stop harrassing phone calls and to comunicate with me through the USPS. and since that day Onemain Financial has refused to accept my payments and caused me to breach the contract for a loan that is secured with my vehicle title. and they have listed a different account number regarding this loan with with the credit reporting agencies.
Equifax had a security breach which led to 140+ million Americans at risk of credit fraud. This can only be because of inadequate security measures taken by Equifax.
In XX/XX/XXXX I was made aware by the IRS that there were XXXX years in which I was a victim of identity theft. This person used my information to collect my tax returns for those XXXX years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the XXXX disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

To date I have only received the copy of a bill from this company. In XX/XX/XXXX, I noticed due to lack of their proof they did remove this debt. 

However, on XX/XX/XXXX, I was made aware that a new company, Enhanced Recovery Company had submitted collection activity on my account in the same amount as the unverifiable debt which was previously removed from my report by XXXX. 

To make matters even worse, this company did not notify me nor give me an opportunity to dispute this debt with them, which is a direct violation of my rights under the FCRA. I have tried to reach out to them, but have not received a response and address information provided for them has returned as undeliverable.
On Citibank card, I made a dispute and then reversed it. However, the merchant claims that they were not paid. I spent two months going back and forth with the Citibank Trans Fraud asking them to trace where the money was sent. Only information the Citibank can provide me is the reference number that I can supply to the merchant, which is not sufficient information to trace where the money is. 

After 6 weeks of goose chase run around on phone calls, I made a visit to the Citibank. 
One of the bankers helped me to escalate the issue with the executive office. During the process of communicating with the executive office, one of the specialists said the money was sent to XXXX XXXX. However, the merchant claims that they bank with XXXX XXXX XXXX and they have no affiliations with XXXX XXXX. The executive office promised me that they will resolve the investigation within two weeks. 
It has been three weeks and the executive office has been ignoring my phone calls.
This item was removed for XXXX and XXXX but Experian will not delete this incorrect collection from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I availed of the XXXX  XXXX  ( XXXX XXXX XXXX  ) through XXXX. XXXX practically lost the documents that came with the closing packet and was not able to submit my applic in time to XXXX. Now, I can not avail of my {$2000.00} ( or 20 % of interest I paid ) yearly tax credit up to the life of my loan ( 30 years ). After lengthy follow ups, XXXX  offered to restucture my loan, but i still need to pay {$3000.00} plus to close. I refuse to do that. They also refuse to recompense me the equivalent of what I should have receive as tax credit for XX/XX/2017 and this year up to when we will finally restructure, had their company, through its agent done their due diligence.

NOt only I am not able to avail of my tax credit but they actually expect me to shell out MORE money! Preposterous.
Title Max has called me before XXXX on XXXX separate occasions. I spoke with them to let them know that they were not suppose to contact me before XXXX or after XXXX. But they still did it anyway.
on  XXXX / XXXX / 2017 , threatening phone call to my cell phone and place of employment. Company represented themselves as a law firm and threatened to call my friends and family in an attempt to garnish my wages. Called my place of business after being told I withdraw my consent to be contacted at that number. Continued to call and threaten to contact my payroll department for a wage garnishment even after being told to stop. Refused to identify themselves or provide an address or to send written verification of the supposed debt.
In the year XXXX I learned of a collection being reported by Pinnacle Financial Services. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX. In the year XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After that investigation information about the account is being manipulated such as open dates etc., to extend reporting to cause me damage. Also this closed account is now reported in a manner to reflect as new delinquency each month which further damages my credit.
4 ) Seterus inc acct # XXXX was never late! The XX/XX/XXXX payment received by Seterus on XX/XX/XXXX was not posted to account until XX/XX/XXXX. No payment was reflected has been paid for XX/XX/XXXX and XX/XX/XXXX but I have paid every month since the origination of loan. Seterus claim that my payment of {$960.00} ( for over a year ) was a partial payment due to an increase in my monthly escrow! They claim they sent me a letter but I never receive an analysis or oppurtunity to pay the shortage upfront according to Consumer finance regulatio 12CPR part 1024.17 ( 1 )
Affidavit of Demand XXXX XXXX XXXX XXXX OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Dear Transunion FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 )  you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Transunion, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when  reporting information to Transunion. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB :  XXXX/XXXX/XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX
This Harley Davidson Credit account # XXXX has been settled and Paid. This account should be reported as " Closed '' XXXX  and XXXX incorrectly continue to report the account as " Open ''.
Please see the enclosed XXXX statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. Therefore my bill was not late and please updates all credit reports with this information.
There is several credit card accounts on my credit report that I never applied for or used. An XXXX card, a XXXX card, XXXX called XXXX and the info for my XXXX card is incorrect
I have XXXX loans ( XXXX school ) that combine to XXXX from Wells Fargo. I have been looking for employment since XX/XX/XXXX -- approximately 6 months before graduation and 16 months from today --, and since then I have been unable to find any. I am living with my mother for the first time in a decade, my savings are now depleted, and I can no longer pay the loan minimums. 

When I contacted Wells Fargo last month ( XX/XX/XXXX ) in our ongoing conversation about this issue, a representative told me that I was eligible for further 2 month forbearance on each loan. I called today to arrange these forbearances, but the representative I spoke to refused to extend the forbearance to me, despite the fact that his colleague offered me the option before, and despite the facts that I banked with Wells Fargo XX/XX/XXXX and even held a mortgage with them that was always paid on time. 

I can not make these payments and my family is no longer wealthy enough to pay my loans for me. I am doing everything within the law to find work and I will need my ( still-good ) credit to be able to rent or buy another house -- credit that will be compromised if the loans go into default. I do not understand what Wells Fargo wishes to accomplish by pursuing me for money that I can not pay them. I thought that I was getting a loan from a reputable lender XX/XX/XXXX ; today I feel like I 'm being victimized by a loan shark. 

I hope that the CFPB can intervene on my behalf in this matter.