WillisBack/dataset-financial-user-claim huggingface dataset:
This letter is being sent to you in response to a notice sent to me on XXXX18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX
I had XXXX XXXX service in an apartment that I resided until XX/XX/XXXX. I moved from this apartment on XX/XX/XXXX with a balance owe to XXXX for equipment. The equipment was returned on XX/XX/XXXX after I received a collection notice from a collection agency -XXXX. I stopped receiving collections notifications on this issue. In XX/XX/XXXX, while I was settling collection issue with a collection agency -Diversified Consultants, I was informed that they had an other collection account under my name. It was for XXXX XXXX. I paid Diversified Consultants because he said it would be on my credit report. I was unsure about the charges and didn't have a chance to validate them. I was unaware that this item was already on my credit file, since it was my first time hearing about this collection item with Diversified Consultants.
The complaint is in regards to Citizens Bank. I have a home equity line of credit with them. The payment was due on XX/XX/XXXX. On XX/XX/XXXX they called to tell me I was late. In actuality they were paid by bank check transfer on XX/XX/XXXX in the amount exceeding 5 times the minimum payment. I checked the account on line on XXXX in the late evening and found no record of the payment. I called their informtion line and got a message the office was closed leave a number and they will call back. They never did. I called again on XXXX and was told the payment was received on XXXX. I had checked with my bank and was told they sent the check XXXX. I can not be responsible if Citizen Bank can not record the transactions property If Citizen Bank received the payment on XXXX why did they call on XXXX. This is an harassing tactic for NO reason. I have NEVER been late with them. On another occasion the payment was made on time and the next months statement had a notion of a past due amount. I asked them to correct it and they refused. I wrote a letter for them to correct it and it was ignored. This bank is totally negligent.
This is my XXXX complaint for a similar issue. This XXXX incident has resulted in me beginning procedures to close all of my BOA accounts, not just my credit card. On XXXX XXXX I had great difficulty ordering a product on-line using my BOA credit card. After several failed attempts to pay with my card I called BOA. They told me that their fraud detection capabilities flagged my card and they would need to validate my attempted purchase before allowing it to go through. I was shocked, since I was actually using BOAs 'ShopSafe ' capability which should clearly indicate to even the most primitive software that it could not be fraudulent activity. Also disturbing, was that after each attempt to authorize payment I would receive an alert on my mobile device indicating a successful payment. After working with customer service we were able to authorize the purchase. I was actually able to see the purchase as a pending transaction on the BOA website. Unfortunately, after nearly XXXX, the pending status never changed, and there was no shipment notification from the merchant. I actually called the merchant inquiring as to why they were not shipping my item. They informed me that they have been trying to finalize the authorization with BOA, but failed each time. On XXXX XXXX I set up a conference call with BOA and the merchant. We tried repeatedly to remove the totally erroneous 'fraud detection block ' but to no avail. During these attempts, the pending status of my earlier attempt disappeared! In the end, I needed to hang up with the BOA associate and complete my purchase with an American Express card. The associate on the phone indicated that because I bought a juice in XXXX during the morning, but was attempting to make a web purchase with a company in Minnesota in the afternoon, I likely caused a fraud alert to lock my card! 
There are XXXX upsetting aspects to this : The XXXX is that BOAs credit card software is disjointed, primitive, and functional only if all variables and circumstances are pristine. Even the slightest digression from a normal credit card event ( like an XXXX resident buying a juice in the morning and then using the internet to order an item out of state ) causes their systems to fail. XXXX, none ( none! ) of the other credit cards I own have ever cancelled themselves without notice ( my previous complaint to cfpb ) or blocked my card so thoroughly that even the issuing agency could not unlock it! This indicates that BOA has chosen to allow the client experience to suffer immeasurably rather than absorb unfortunate, but normal losses from credit card fraud. I can not be the only customer being inconvenienced. The thought of being overseas on vacation, or in an emergency situation and dependent on my BOA credit card is now a situation I must mitigate immediately by ending my relationship with BOA.
The last few ( at least XXXX ) statements for my Bank of America credit card have not shown the balances subject to various promotional balance transfer offers that I have taken advantage of. I had this same problem in 2015, and the problem was corrected on a few statements. But now the error has returned. When this happened last year Bank of America took months to resolve the issue and did n't seem to care that they were sending out XXXX incorrect statements. The person assigned to handle my case often did not return calls and was basically useless. A perfect example of a " too big to fail '' bank that does n't care about their customers.
I recently received a letter from XXXX XXXX  ( today XX/XX/ ) indicating that my mortgage has been transferred to XXXX XXXX from XXXX XXXX  XXXX. The letter is dated XX/XX/, but it says that my transfer date is effective XX/XX/. Today I also received a letter from the original servicer and an email confirming this transaction. 

However, I am under the impression that I was supposed to be given at least 15 days notice of such actions, but this is less than that. Is this allowed?
I have disputed to Equifax Dispute # XXXX with a letter from XXXX Bank saying to remove the XXXX hard pull credit inquiries on my credit report. 
Equifax responded and said it was factual after I have sent copy to them of a letter from XXXX bank saying that it will be removed from my credit reports.
The following agency, Capio Partners LLC, filed a derogatory record on my credit report, but i did not receive any notification with a right to dispute. When asked about, a representative informed me that no communication letter was sent out. I had no idea this was on my credit report. 

Note : I did pay the debt with my CC because I was buying a car and wanted the record off my report. I was told that the record would be removed, but XXXX confirms it stays on for 7-years. 

I want to make this complaint because I feel I should have been given notice with at least 30-days to dispute the claim. I should not have paid the claim as it was a XXXX case from XXXX of 2010. XXXX paid for my XXXX service, but the hospital, XXXX XXXX XXXX XXXX, in XXXX, PA has been harassing me for more money. 

I was advised by XXXX that I should not pay the false claim and that I should continue to dispute it to avoid records on my credit report, but this collection agency did not give me a chance to dispute the claim. I have never had a bad record on my credit report and this hurt my overall score.
XXXX XXXX card administered by XXXX XXXX. 
I rarely use this card, so I do not get monthly statements. I receive numerous emails from XXXX XXXX on a daily basis. Evidently, I received my bill electronically, but was unaware of this. I did not differentiate it from the numerous other emails, and the bill went unpaid. They said Insigned up for the electronic billing, but Inwas not aware Inhad done so.
A online application was submitted along with all the pertinent documents. The processor XXXX XXXX left her position and stopped responding the emails and requests for updates on the status of the mortgage. I applied online for this loan on via their website On XXXX they mailed a packet of documents to sign as well as a list of the items needed in order to review the loan. I emailed her with all the information requested and she had full documentation in her hands in a timely manner. These are the dates of the emails ... .. XXXX, XXXX, XXXX, twice on XXXX, XXXX, XXXX, XXXX, XXXX, 4 times on XXXX, XXXX, XXXX and XXXX. There are so many emails because I kept requesting verification that she had everything she needed. She did not respond until XXXX at which time she finally responded and advised me that she switched to a new position and would get back to me " by the close of business '' that day with the new processor/loan officer information. I never heard from her again. I then called BMO and asked to speak to her boss. I was advised it was XXXX XXXX which I spoke to on XXXX. She advised that she was her " new '' boss but she would have her get back to me with the name of new processor. No call was received I even said she could respond via email but have n't received any response. I called again today XXXX and was now told that well too bad it does n't really matter because now the application is expired and we will have to submit a new application. Neither XXXX or XXXX apologized for the way this was mishandled not to mention that they did not adhere to the CFPB rules as far as time to complete the review of the application as well as notifying me of the approval or denial etc .... I have all my phone records and emails. No calls or letters were received from BMO other than a letter from XXXX at which point all the additional documentation was provided. I have proof in my emails that they had everything they needed on time to make a decision regarding approval or denial of the loan. XXXX dropped the ball and the entire loan file and now XXXX her new boss is backing her this is very disturbing. I have yet to be provided the information that XXXX was going to provide me with on XXXX which was the new processor. Now that they let the time expires they expect me to start all over and reapply. I still have not received a loan denial letter if that was the case I was only told so today because of the length of time. If I did n't call today I would have no idea I would need to reapply. I did advise them I would be filing this complaint.
cra and ftc were sent to all parites involved these company still have hassle and gone way over board on items that were not mine ID theft and hacking police reports were sent .. 

Nothing i can do XXXX getting from calls from them XXXX XXXX
We use Umpquah bank and recently my debit card was used by someone who went on a shopping spree to the tune of {XXXX. I filed a dispute with the bank in XXXX Wa XXXX claim XXXX ) and they sent me a letter saying the claim is closed and they are denying giving my money back because their investigation showed that i provided authorization for these transactions. This is completely ludicrous. I last saw the debit card in the XXXX on XXXX when i used it at a XXXX in XXXX. I then walked across the street to my car in my work parking lot. I dont remember seeing the debit card again after that but i didnt know it was missing until the following saturday when i got a call from visa asking if i made some charges and i indicated that i had not and immediately called the bank to cancel my card. In the meantime i had switched to a new debit card that they had mailed by my request so i didnt even notice the other was missing. the day i last saw it i had to leave work in a hurry due to emergency and by the next day i was using the new one since the other one had a broken chip. Then a few days after using the new card i noticed odd charges under the new card ( 5.00 in online book purchases? ) so i cancelled that card too and i refuse to use an umpquah debit card anymore. Dont think their chips are secure! and i dont shop online or anything crazy. Help please! These people took {XXXX} of food from my babies mouths! I absolutely have no idea who took my card or numbers and i for sure did not give anyone else permission to have it nor would anyone i know use it! My husband is very upset about this also and the bank wont relook at the claim. I think i must have dropped the card sometime that Thursday but i dont know. I didnt know it was missing until the fraud dept called. 

Thanks, XXXX XXXX
In or around XX/XX/2016 i opened a credit card with td bank i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail td claimed they never recieved it 6months later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with td bank and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by td bank and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus XXXX XXXX   XXXX you name it i hired XXXX XXXX i called td bank a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to 48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides td bank the worse bank by far anyone who just neglectfully not make payments should be punished in this way
On X/X/17 I filed a complaint against the Collection Bureau of the Hudson Valley for failing to provide adequate verification of a debt. The company 's response was that they would provide this information. As expected, I have not received any mail from this agency - yet this unpaid bill sits on my credit. Below is their previous response - " X/XX/17 We mailed this consumer letters on XX/XX/17 and XX/XX/17. On XX/XX/17, a collector asked to verify the consumers current address. The consumer stated the address we had on file was a previous address but the consumer did not want to update her new address because her mail was being forwarded. I updated the address on this account to match the address listed in this complaint and have requested a copy of the itemized bill from our client. Once this information is received we will mail a copy to the consumer at the address listed on this complaint. We will cease all phone calls to the consumer regarding this account as per the consumers request in this complaint. This account is being reported to the credit bureaus as disputed. '' As I have not received the bill from the original creditor, or have I received a bill from CBHV, this remains an outstanding issue that will remain in dispute. The only change is CBHV is not calling me, but this company is allowing me no recourse or remedy in resolving this issue. 

Reminder, I also contacted XXXX and spoke with a supervisor. This person advised they could not provide any information because the issue was being handled by CBHV. This person referred me back to the agency. When I advised the supervisor of how this was handled and asked how I could confirm and pay the debt if it was valid, they stated I could only get information from CBHV. Again, this leaves me no remedy.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late XX/XX/2018 XX/XX/2018
I have submitted complaints with XXXX, Fed loan services and The Department of Education to have the DOFD correctly reported on my credit report for the past 2 years the accounts in question have been re-aged and should be removed. I have attached documentation from The Department of Education as XXXX has my accounts from The Department of Education as a collection account reported in XX/XX/XXXX on a reported dated XX/XX/XXXX& changed to a collection on XX/XX/XXXXon my report dated XX/XX/XXXX which is wrong and those accounts should be removed. Which is a violation of FCRA, US. Code Title 15 Sub Chapter III, US Bankruptcy Code Title 11.
Applied for a mortgage from Wells Fargo in XXXX of XXXX on a new construction home. Did not end up building that home, but provided Wells Fargo with a rate lock payment of {$920.00}. Put that payment towards a rate lock for another home, but on XXXX XXXX Wells Fargo - XXXX XXXX informed me that we were denied. I was also told via email that I would receive a complete refund and that it typically takes 30 days for a refund. On XXXX XXXX and XXXX XXXX, XXXX was told via email that refund was still be processed. On XXXX XXXX, I was contacted by XXXX XXXX from Wells Fargo customer service and was told that he would get back to me on XXXX XXXX. I then received another email on XXXX XXXX that I would be contacted on XXXX XXXX. On XXXX XXXX, XXXX, I emailed both XXXX and XXXX explaining that this is unacceptable and that I expected my refund by XXXX XXXX. XXXX XXXX responded that Wells Fargo would contact me on XXXX XXXX. I responded back that this was unacceptable and that I was notifying the CFPB with this situation.
I terminated my services with XXXX XXXX XXXX on XX/XX/XXXX and I owed them {$370.00}. They continued to charge me and send me a bill for XX/XX/XXXX and XX/XX/XXXX and when I contacted them and told them I terminated my services on XX/XX/XXXX they said sorry XXXX XXXX you are correct we will straighten the final bill out. But they didn't they kept sending me a bill for XXXX.After that they send it to a collection agency and I tell them that's the wrong amount and dispute it in writing But XXXX XXXX XXXX   comes back with the same amount. So I contact XXXX XXXX XXXX by phone twice the last time being XX/XX/XXXX and I talked to XXXX and she said the correct amount was {$370.00} and that she would talk to her manager and get her to sign off on the right amount and send it in the mail to me. They never sent the paper work, I've disputed this bill twice and with no resolve. I tell the collectors I agree to pay what I owe but not when it's the wrong amount and each time I dispute the claim the company don't respond back to me within 30 days. I feel this should be removed off my credit report because they are not reporting the true amount and not responding like the should. I have no trouble paying the correct amount when they give it to me in writing but I truly believe it also should be removed from my credit report. Thank you.
I have been working with my mortgage company First Guarantee Mortgage ( FGMC ) since I applied for the loan XX/XX/XXXX. I was approved for a XXXX close FHA construction loan XX/XX/XXXX and still have yet to receive the final draw on the loan. I have been reaching out very regularly to the company and struggling each and every time. XXXX XXXX the draw administrator refuses to answer my phone calls and I lave her voicemails and she just emails me back when I just need to talk to someone. For over two weeks now I have been working with them to initiate the final draw. They will not provide me information on how to secure an exterior door that we will not be using in order to make it acceptable for the FHA loan. No one will put in writing for me that I will not lose my interest rate that I have been verbally told will not be lost due to this delay. I have had to initiate all contact with the company and no one follows up with me unless I call and get upset.
Two things really, I do not deny owing this debt it originated from an employer issuing me a CPAP machine on a loan basis, upon resigning my options were to buy the machine outright for XXXX or return the machine. This company was XXXX by the way. I attempted to find out how to return the machine to XXXX but could n't get the right procedure and since I thought perhaps I needed it I would go ahead and pay the XXXX when I could, or try and reach out to XXXX to set up an arrangement. I receive some written communication from XXXX, perhaps 2-3 letters. Then I get a letter from a representative by the name of XXXX from Lockhart, Morris, and Montgomery collections. Upon talking for awhile, approximately 3 weeks ago maybe the XX/XX/2017 the balance was suddenly XXXX dollars and I could only make two payments in the amount of XXXX. If I understand the law right they can not " Mark up '' or " add a fee '' to collect this. My biggest thing with this case is that after speaking with XXXX XXXX, I was told I would have to sign a contract or promissory note to pay, and I would be emailed this letter. I never received the letter nor any further contact from XXXX XXXX. Today, XX/XX/2017 I was charged in the amount of XXXX overdrawing my account since I had not heard anything further from the firm, I figured either it would wait till next month or she would send me the document I needed to sign before she would charge me. So the law is fuzzy on this but if I am not mistaken, since I was told I had to sign before she could accept this agreement I should not have had money withdrawn essentially without my knowledge.