WillisBack/dataset-financial-user-claim huggingface dataset:
I recently received a copy of my credit report after XXXX. I noticed accounts which I am uncertain of and began filing disputes especially for dates I was XXXX. Apex is a debt which I do not believe I owe and when looking for validation nothing was provided but paperwork, nothing included my signature our anything just documents they prepare. So now I am sending the following letter enclosed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apex Asset Management XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 Dear Apex, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Apex in the amount of XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX
The XXXX 2015 statement for my second mortgage with Ocwen Loan Servicing showed a dramatic increase in the amount due for my second mortgage. I called Ocwen on XXXX XXXX to find out what happened. In XXXX or XXXX, 2015 XXXX Ocwen wo n't clarify XXXX, Ocwen submitted a double-payment from my escrow account to the insurance company XXXX XXXX XXXX XXXX. During that XXXX XXXX phone call, Ocwen told me that the additional charge would be removed and I would receive a revised statement within 7 to 10 days. I was also told that, as a courtesy due the inconvenience, the {$14.00} late fee applied to my account would be removed. I still have not received an accurate XXXX statement for the second mortgage. Based upon harassing phone calls from XXXX to XXXX Ocwen is now demanding that we send them over {$1100.00} to compensate for its mistake. Ocwen insists I received a refund from XXXX, which I have n't, and is demanding the refund check. I have been on the phone with Ocwen several times and the company is refusing to send me an updated statement with the additional escrow removed XXXX as was told to me on XXXX XXXX XXXX and Ocwen is refusing to work with XXXX to fix its costly error. My patience with Ocwen has worn thin, and I have had to yell and curse over the phone with every representative that has harassed me. Every call is driving me crazy and I end up hanging up every time. These Ocwen representatives wo n't listen, wo n't comply with the terms of the mortgage, and wo n't solve their own errors.
The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date  opened  XXXX /2014 Details P ayment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.
I never received the bills from Best Buy credit card, and therefore was not aware of the payment dates, once I was contacted by phone I learned of the issue and submitted payments immediately, and have paid the balance in full. However, the missed payments have placed a bad mark on my credit report, and as I am a young father of XXXX children who is preparing to purchase a home that is dramatically impacting my life. Please remove these bad marks from my record as I never received the bills.
I have a personal loan with XXXX XXXX that is reporting ( 2 ) 30 day lates, in XXXX and XXXX of 2017. They fixed this same reporting mistake on my XXXX report twice and now is showing up late on XXXX  and Equifax.
I have disputed identity theft with all three bureaus, and Equifax is the only one that refuses to remove 2 identical inquiries done on the same day from XXXX XXXX XXXX XXXX, and two from XXXX XXXX XXXX, after I have submitted disputes 16 times and called 5 times asking them why they are not helping me. I was treated rudely by their staff and given the runaround. I have disputed the inquiries with the businesses and was assured in writing that they contacted all three bureaus. I saw that XXXX XXXX and XXXX   have removed the fraud inquiries, and the two cards that were fraud when my identity was stolen. As far as Equifax, I last emailed them advising I would sue and again provided the police report number and an email from XXXX XXXX XXXX XXXX   stating they contacted Equifax. Still after three months Equifax still refuses to assist me. Ever since their data breach, the fraud activity started with me and ruined my credit score. Thank you.
Over XXXX years ago my wallet was stolen. I had XXXX credit cards in my wallet XXXX of which were Bank of America. I reported all credit cards stolen within XXXX. All other charges were dropped but from Bank of America. I spoke with someone on the phone and was told since they had copy of my license I would be responsible for fraudulent charges. I continued to pay the balances I had prior to fraudulent charges. Once they were paid off I told them I did n't feel I should pay for fraudulent charges.
From XX/XX/XXXX to XX/XX/XXXX I was unemployed and collecting unemployment benefits from XXXX. During this time, my loans with Navient were supposed to be in deferment. Due to an error on Navient 's part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. 

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.
I sent a letter disputing the account with the collection agency. Then I disputed the account with XXXX CRA. XXXX XXXX is falsely stating this acct was included in my Chapter XXXX. This account was turned over to Midland from the original creditor ( XXXX XXXX ) in XX/XX/XXXX. I filed BK in XX/XX/XXXX and it was discharged. So, how could this acct be included in the BK. My XXXX XXXX acct was never opened or established when I filed BK in XX/XX/XXXX. The info below shows what XXXX XXXX is reporting to XXXX : Account NameXXXX XXXX Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusDischarged through Bankruptcy Chapter XXXX. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$590.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
Have a loan with One Main financial ( formerly known as XXXX ) for around six -seven years, I renewed my loan on XX/XX/XXXX to get additional funds, the financed amount on the newed loan says {$8500.00}, after paying for XXXX year with a missed payment on XX/XX/XXXX and XX/XX/XXXX, they forced me to renew my loan which they call it defer, i ended up signing a new loan agreement in the amount of {$8900.00} which is higher than the orignal one ( {$8500.00} ) even after paying {$2400.00} all this money that i paid has gone out the window, did n't reduce my balance a bit, they use intimidation, such as calling multiple times a day, that i 'm behined a lot on my payments, leaving multiple messages by a person saying his is a district manager, when trying to explain the situation they are not interested to listen, all they say is pay our money, When i track back my payments, using my bank statments, i realize i was not missing a lot on my payments, but they used different tactics and harrasment to renew my loan, that put $ XXXX+ {$400.00} to put in their pocket, and me to repay all over again.i have to work hard to make {$2400.00} to pay them, they just used physcological tactics to put it in their pockets, the last intimidation i recieved from them was " if i do n't pay by the end of the month that my personal property will be garnished ''
I requested documentation from Fair Collections and Outsourcing regarding a debt that they are alleging that I owe and have placed on my credit. After careful examination of the documentation that they provided and the information that they are actually reporting to all 3 credit bureaus. I have found that they are reporting false and inaccurate information. The open date on the account is incorrect. They have listed the open date for the account as XXXX XXXX, 2012 yet they just added this to my credit report a few months ago. It is my understanding that no entity has the right to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and or any non compliant allegations. I have documentation of all 3 reports with this inaccurate date being reported.
My wife and I are to over whelmed with the excuses Citi mortgage has gave us, in order to not assist our loan.We have applied for a government modification many times and Citi mortgage has done everything in there power to pro-long my loan further more behind. In 2012 I received a notice from Citi mortgage stating I was eligible for the Clarity Commitment modification or the National Mortgage Settlement modification based on the national settlement from the lawsuit filed against Citi mortgage. However I never received an approval or denial. We are extremely concern because no one ever returns our calls to give any update. We are willing to negotiate with my investor XXXX and with Citi Mortgage to come with an agreement and therefore we can keep our house.
Approx in XXXX XXXX ; I moved to another state and the new occupants did not switch over the XXXX service as they said they would. 
This debt has been in collection since XXXX and the date just keeps getting updated. 
I did not use this electricity to acquire this debt ; thus is why I have not paid it. 
The CBE GROUP has false dates as when it was opened ( XXXX/XXXX/XXXX ). XXXX does not wait 3 years before turning unpaid utilities to collections. 
I want this debt considered closed. 
The most Inwould pay is {$100.00}, not a cent more.
On XXXX XXXX 2016, I received a letter from the Creditors Bureau Associates of XXXX collecting payment for XXXX XXXX, account number XXXX ( XXXX Notice ). I contacted XXXX XXXX from the company and found out that the actual collection was for the XXXX XXXX of Georgia. I told XXXX XXXX that I will contact my insurance and investigate the issue. Since then I have relocated and do not have time to follow up with the status of the insurance company. On XXXX XXXX 2016, I received another letter from the Creditors Bureau Associates XXXX informing me that my past due account which is now XXXX, has been report to the Credit Bureaus XXXX XXXX XXXX, and XXXX
I received multiple calls from differing numbers. I called back  XXXX   XXXX    XXXX   and asked them to send their request in writing to the address they have on file and I would follow up after receiving it. The operator tried to bully me into giving my current home address over the phone and when I refused the fourth time, she said " well, I hope for your sake the address we have is the right one '' and hung up.     This morning I received a call from a different number. When I explained that I have already requested their claim in writing to the address on file, she said " that 's not how we do things, and when you feel like identifying yourself, call us back. '' The calls requiring I divulge private information ( including my social security number ) before providing enough information to verify the validity of the claim, especially when made repeatedly from differing phone numbers, and even more so after my request for proper verification, are harassment.
My husband and I have our mortgage thru Wells Fargo Bank and I use on line banking for everything. Unfortunately, like millions of Americans, we struggled with the poor economy, high medical bills and job loss and filed chapter XXXX Bankruptcy. During this process, we reached out to Wells regarding the mortgage payment and were given the opportunity to do a loan modification to reduce our monthly payment. We were very grateful for the help and completed the process. The mortgage is not behind or in any jeopardy, with the manageable payments. My complaint is simple. We are being denied the option to pay the monthly payment on line. When I pressed for an answer as to why, I was told it was the bank policy, the account is restricted because of bankruptcy, I would not be allowed that privilege. In addition, I am being denied the chance to vocalize my complaint with the upper administration of the organization. I feel this practice is discriminatory in nature. We pay the mortgage directly, as it was never looped into the bankruptcy. In essence, we are being punished by the bank for resorting to filing XXXX XXXX. Is there any recourse we can take?
Hello, On XX/XX/2018, I made two identical wire transfers of $ CAD XXXX each from my companys bank account in XXXX to my wife and my personal accounts at XXXX and Capital One in the US. The two transfers were made in interval of several minutes. 

To my surprise, the amounts in USD which were received at each bank were entirely different. In XXXX, I received USD XXXX, which was calculated at the currency exchange rate of XXXX XXXX/USD. In Capital One, I have received USD XXXX, as the conversion rate they used was XXXX. So the difference was nearly {$3000.00} for two identical transactions of foreign exchange conversions made at the same time. Please see the attachments showing the two transfers. 

While understandably it is likely to have differences between two banks rates, the difference was substantial. I looked at rates range on XX/XX/XXXX, and could see that the lower rate that day was XXXX. Please see : https : XXXX I have therefore approached my local Capital One bank, who contacted their wire department for further explanation. The answer I was provided is that Capital One set their own rates which are unrelated to the trading day rates! I was very unhappy with this answer, and filed a complaint at Capital One Customer Care. I have explained that when a person makes an international wire transfer, he can reasonably expect to have the funds converted into local currency based on a trading day range ( even if it would be the lowest rate on that day ). However, Capital One used a considerably lower rate to convert my CAD to USD XXXX vs XXXX ( the day lower rate ), which it has determined arbitrarily. 

The response I have received from their Customer Care department was the same as the one I received from the wire department Capital One uses their own rates, and that the rate they used was correct. I responded that doing this intentionally is even worse the bank knowingly overcharges its customers when converting funds from other currencies. 

I therefore believe this is a very unfair and unlawful behavior of a bank to determine their own rates regardless of the days market rates. This behavior resulted in a loss of nearly {$3000.00}. 

I hope you are able to assist. 
XXXX XXXX
A hard pull of my personal credit information was pulled by Synchrony Financial WITHOUT AUTHORIZATION. I was NOT the personal guarantor. Nor was my SSN provided to them to check my personal credit. This was not permitted by law. File XXXX ( 20.5 KB ) was closed with them claiming they couldn't find the information, but here is the attached letter I received from them for this unauthorized HARD PULL.
XXXX County Fl was declared as a Major Natural Disaster Area by FEMA due to XXXX  XXXX. Source here : https : //www.fema.govXXXXXXXX  Incident Period : XX/XX/XXXXMajor Disaster Declaration declared on XX/XX/XXXX XXXX XXXX states that if your home or place of employment is located in an major disaster area where individual assistance has been authorized and your loan is owned by XXXX XXXX , your lender/servicer ( the company you make your mortgage payments to ) can extend a full range of relief options, including : Forbearing on your mortgage payment for up to one year Suspending foreclosure for up to one year Waiving assessments of penalties or late fees Not reporting forbearance or delinquencies caused by the disaster to the nation 's credit bureaus.
We contacted our mortgage company looking for relief as we have been displaced and incurred costs due to the hurricane as I know many other have. Ditech is not offering relief options during this time of a Federally Declared Disaster.
I did not get a notice that I was being sued for a debt. I found the debt on my credit report and did not get a notice or anything to dispute this. The company  is Hunter Warfield. The amount is  XXXX  . The letter was sent to a friends house. This is total violation of privacy. I never got the letter until al most a year later. The address listed is not my address.
{$110.00} late fee assessed on my mortgage payment. After 7 years without a missed/late payment, this company would not offer me a one-time courtesy after this perfect payment record. I spoke to " XXXX XXXX '' a customer service manager who was arrogant. Then I spoke to " XXXX XXXX '' in the corporate office who refused to give me the president 's phone number. ( His name is XXXX XXXX ). I wanted to speak with him directly, but was not allowed. Their stonewalling and indifference were very unprofessional. Can you help?
Equifax thank you for the same info you provide in the US MAIL. UMM But you still are not sending the info that I 'M REQUESTION. Ugh.. The creditor report to you. send you all the info on the consumer. you should have every signed contract that the creditor and I had agreed to when opening up a new account. the law states that the reporting agency should have that info on file and it should be available to the consumer by the credit agency ( which is you Equifax. I have asked you for months to send this to me and you have fail to do so. I DO NOT WANT THE CONTRACT FROM THE CREDITOR I WANT IT FROM YOU TO MAKE SURE YOU ARE REPORTING THE CORRECT INFO
I deferred my student loans ( 7+ Different loans ) after graduating with XXXX in XX/XX/2013 from XXXX XXXX Univeristy. It was my understanding and I was told by the university that loans would be deferred 12 months. However, I was billed at the 6 month mark and billing invoices never made it to my address. They were sent to the wrong address. Therefore, at the 12 month mark when I contacted Nelnet ( student Loan company ) to pay my first payment and set-up a plan, all my accounts were 6 months late. 

This has stayed on my credit report ( 7 severely delinquent accounts ) For the last 5 years and has significant impact on my credit score.
Goodyear CBNA reflects I opened an acct with them. This is fraudulent account. I never solicited them for credit.
Good Day, My name is XXXX XXXX, and I am XXXX from XXXX XXXX. I learned today ( XX/XX/XXXX ) that Experian Credit has been billing my XXXX XXXX credit card account each month for the past 34 months for some type of crediting report or updates that I did not request, did not access and did not want. I have contacted the credit card company to put a stop to the charges. I was finally able to contact Experian and learned from the call taker it has been going on since XX/XX/XXXX. Experian said they began charging my credit card after I " agreed to the terms & conditions '' on their online site to receive a report. The call taker said I requested the service after they offered a discounted price of {$4.00}, and that I was supposed to cancel after a time if I did not want it. They said the following month it went to {$19.00} a month and was increased to {$24.00} later. I have no history with their company or their website, other than requesting a onetime credit score for a job application around XX/XX/XXXX. I  recall I was charged a small fee, but did not request any other services. I believe Experian used unscrupulous, misleading or fraudulent tactics to obtain money from me for services I did not request. 

I am in contact with my XXXX XXXX to get a complete statement of activity to show the charges, but my estimates are that it is about {$730.00}. XXXX XXXX is sending these via US Mail which will take at least 5 days. 

An Experian " supervisor '' named XXXX advised me to go to their site : XXXX XXXX XXXX and provide the reference number XXXX. He gave no hope they would refund anything, other than the past month billing. Although it sounds futile, I will attempt this. 

Thank you for any help you can give me.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX : XXXX, N/A XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, Experian : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, Experian : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX, Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX PXXXX XXXX XXXX XXXX XXXX   XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX   XXXX  XXXX, XXXX XXXX, XXXX.