WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$1400.00} Sir or Madam, I am writing in regards account XXXX Revenue XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
I run a small business and i signed for a merchant services for a period of 4yrs and we completed 4 yrs and i was on month to month for a period of 8 months. A representative from the company visited and said that he will give us new updated machine. ( i had already owned both the machines ). He switched one machine only, he said I own the other machine and signed a new lease. 
He said this is a new lease and the old lease is terminated. 
when i checked the monthly statements, the merchant services were taking ( withdrawing ) 2 different amounts. old lease amount of {$64.00} and new lease amount of {$130.00}. I called the company and the customer service people were very rude and was not helpful, they insisted that I have to pay both. 
I had about 4 to 5 calls and I did not get any help. They did not even connect me to the manager or supervisor, when i requested them. I disconnected the machines and switched the company. 
Later they requested the machines to be sent and i did send the machines. 
I requested them to settle the issue with a suitable amount, they asked for {$6900.00}, which is beyond my reach. 
Later i got a letter from a collection company for {$3900.00}. I replied this company and they stopped all the communication. 
Now I have a call from another collection company called XXXX XXXX XXXX XXXX, a person named XXXX XXXX LEFT a message to be called back. 
I request you to help me in this regard. 
My business is very small and my income is also limited.
XXXX this is online school. i did not provide my social security number to this school when i registered online.. i do n't know why they have my all information. this school send me to the third company XXXX XXXX XXXX XXXX XXXX. i have already talk to them i need close my account. and it show me on the credit report .They keep billing me all the time. I stopped paying them my hard working money, and wasting my time since i went to university.
IC Systems has listed a collections account at all three credit bureaus. The account has been closed since XX/XX/2014 and all receipts are included in this document. IC systems requested my payment receipts. I provide all receipts of the balance being paid in XX/XX/2014. IC Systems refuses to remove this negative collection account from each credit bureaus and offering a settlement of {$100.00} to remove the debt. I told IC Systems that I don't owe them anything and refused to settle with them. They told me that the debt will remain until I pay the settlement. Please investigate and have IC Systems to remove this from my accounts.
I have contacted all of the companies that had an inquiry on my report as I did not initiate these and they told me I would have to dispute with the credit bureau. So I called the credit bureau Equifax and they told me I would have to call the company to dispute. I feel as though both companies are just passing the buck to one another. I asked the credit bureau where is the validation proof of my signature that I initiated these inquires and they have failed to provide any as well as the companies have failed to provide this as well. As a consumer I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter which was sent on XX/XX/XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX
CitiCards ( MasterCard ) has failed to respond to -- or even to acknowledge -- my XXXX XXXX, 2016 letter, concerning my being charged {$300.00} TWICE for a single XXXX.
I filed a dispute with Equifax referencing discrepancy in XXXX and XXXX reporting. In result XXXX 24-month payment history remained pulling down Equifax Score which is XXXX points less than all other  consumer reports. I am unable to dispute account on-line for the attached account. 

On XX/XX/018 XXXX response to previous complaint. Acct XXXX is being correctly on consumer reports. Request to delete account was rejected and/or unanswered by Equifax, XXXX, and XXXX.
I wrote a letter on XXXX XXXX 2017 to all three credit report agencies. Then I did n't receive anything back from them. So I decide to check the status of my credit report still the same account is still say it delinquent when I paid thru XXXX cancelation of debt form I receive from Bank of America. I call Bank of America and they said that they are working on it since XX/XX/XXXXI have not received update from them it seem they are not listening to me. I am trying to purchase a home and the underwriter will not process the loan until this get resolve.
4 loans from XX/XX/XXXX-XX/XX/XXXXhave been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX in which was deferred as I was a full time student
I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.
There is an XXXX hard inquiry on my credit report dated XXXX 2017. I do not recognize this inquiry nor have had my credit checked during that time frame. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.
We have had to file a hardship through XXXX. A company that I do n't have an account with, but my husband does, had been calling my work. They called at XXXX and I picked-up the phone and requested that they stop calling my work. The lady requested payment from me and told me that she could draft it from our bank account since they somehow have our account information. She told me that they do n't negotiate with debt relief companies and said that we were going to be sued. I told her that she was not allowed to remove any funds from our account and hung up. Later in the morning, after I had left for work, a man called and my husband answered. He threatened my husband, used vulgar language including the " f '' word and told my husband that we owed them money and that they were going to take it from our account with or without our permission. This company has never had our permission to automatically draft funds from our account.
Portfolio Recovery Associates is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to Portfolio Recovery! I keep disputing and XXXX, XXXX, XXXX saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe Portfolio Recovery this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!
Applying for a mortgage and credit report came back stating that Compass Bank reported I have been delinquent on loan since XX/XX/XXXX. This is not the case. Compass Bank Home Equity Line of Credit account number XXXX was closed XX/XX/XXXX. This is reporting on credit as a new delinquency when delinquency occurred XX/XX/XXXX. I filed a complaint with XXXX in XX/XX/XXXX as I uncovered Compass Bank was reporting I owed {$21000.00} a month - hurting my DTI. They corrected this issue as it now reports I owe $ XXXX but created a new problem as the date of my last delinquency is now reflected as XX/XX/XXXX - the date they corrected the $ XXXX reporting. The date of my last delinquency should be reported as the XX/XX/XXXX date, not the date they corrected my original concern. 

Please help.
I received a promotional letter from American Express to apply for the Delta Gold SkyMiles Credit Card that promised XXXX bonus miles if I spent {$3000.00} within a certain time frame. I opened the account on XX/XX/2018, and spent {$3000.00} right away, and then didn't receive the bonus miles. 
The offer also included a {$50.00} statement credit if I made a XXXX purchase which I did on XX/XX/XXXX. Alas, I received no {$50.00} statement credit from American Express, though I met the terms. 
I printed out the Skymiles XXXX offer which said I had til XX/XX/XXXX to take advantage of this bonus offer, and I applied and was approved for the credit card on XX/XX/XXXX. 

I called customer service on XX/XX/XXXX, and the customer service agent said I might not get the bonus offer because I've had another American Express card in the distant past. However, there is no lifetime language on the offer terms regarding the bonus. 
The customer support person wanted to know what the RSVP code was, but I can't find it since I applied for the card, was approved, I assumed that American Express would honor their promise for the bonus. 
The customer service agent gave me a Case number, XXXX. 
The customer service agent said American Express won't let me know the results of their investigation, and if I call up maybe they'll have results for me, or maybe they won't. And maybe they'll give me the bonus, or maybe they won't. 
So American Express knows I've had a card in the past a few years ago, but they can't find out what my RSVP code was for the letter I received promoting the credit card and the bonus? American Express sent me multiple letters for this Delta Gold Skymiles Credit card with the bonus promotion. I only finally relented in XX/XX/2018 to take advantage of it. How could American Express have this selective information, that would benefit them only?
I am aware of the payment that I owe to the XXXX. Money was being deducted from my XXXX paycheck to satisfy the money owed and the deductions stopped a few months ago. If I still owe money I can continue to make monthly payments of {$200.00} but the amount that they claim I owe does n't seem correct to my knowledge. I need someone to review my payment history.
Two years ago a tax lien was placed on my home in Maryland. In XXXX of 2014 the lien was paid off when I sold the house. Since then I have repeatedly been denied loans due to the entry of the tax lien on my credit reports. I contacted the Maryland tax collection agency with whom I had been working and was told that they had in fact forwarded the lien release to each of the credit bureaus. Two weeks ago I applied for a loan and was denied due to a report of a tax lien on the property in Maryland. I would like to get this issue resolved and find out what if any legal remedies are available to me.
I placed a security freeze on my account with Equifax, but was never given a pin to unfreeze. I have sent XXXX letters to equifax requesting a replacement pin. I have included a copy of my Driver 's License, SSN #, Date of Birth, Current address and contact information as they requested. In addition I have enclosed the {$5.00} fee for replacement pin. All three times I have received a letter back saying they do not have the correct information to replace my pin. This is holding up a real estate transaction and I am incredibly frustrated. How do I get to speak to a person and get this corrected?
im submitting a complaint because I went to a new XXXX, I provided my insurance card with the lab card and information. I was charged months later for my visit. They sent my lab work to there lab. not the lab my insurance takes. now im being charged. before my exit i asked the lady at the front desk if there is any cost or co pay. she said no. 
And now im being charged for XXXX bills total of {$860.00}. 
i called multiple times and finally was able to get a hold of someone from the Dr.office. the ending result was they could n't do anything for me, when in deed it was their mistake and lack of communication. they processed my lab work under XXXX 
Im being harassed daily with numerous calls from random numbers all times of the day. i haven received a collection notice from American Medical Collection Agency stating i have to pay this in XXXX days. 
i also would like them to provide proof for this claim. 
i did n't receive any notice or proof to receive any harassment. 

im not working right now and im going through a financial struggle. I cant afford to pay for this and especially in XXXX days.
I am trying to apply to remove my cosigner from my XXXX of my private loans. I was told on the phone with a representative that I could apply because the I have paid XXXX consecutive months on the loan. 
In the mail I got a letter saying that I was not eligible for the cosigner removal application. I called by bank and asked what was happening. after being put on the phone with an account manager I was told that I could not apply because I had a late payment on my record from XXXX years ago. The account manager told me to write a letter and fax it to the bank asking for the record to be removed because I was never late again for the past XXXX years. 

I wrote a letter and explained that the payment that was late was my first payment ever, that I was fresh out of collage and young and made a mistake. the wrote me back and refused to removed the late payment record. They admitted that I paid on for all my other bills and that the late payment did n't even have a late fee because it was n't over XXXX days late, But still they wont remove it. 

They said " Unfortunately, we are unable to remove that history. Remember, making your student loan payments on time may help you build and maintain a good credit history. " I was informed on the phone that I can never remove my cosigner because of that late payment. My cosigner is my Mother. both of my parents went through a bankruptcy and i would like to have them taken off my loans.
I sent Equifax a letter nearly 3 months ago, asking them to investigate errors on my credit report. As of today, they have not responded yet, despite XXXX follow-up letters I sent them about it.
Bank of america had agreed to stop reporting negative remarks to the XXXX major credit reporting agency 's. The account is closed. I contacted bank of america in regards to this issue as they are reporting every month to the credit reporting agency 's with XXXX remarks which is affecting my credit score in a negative way. I was told when I spoke with corporate office for bank of america that at my request being the account is closed the negative remarks will no longer be reporting. However upon checking my credit reports they are still reporting every month.
MY ACCOUNT WAS TAMPERED WITH FROM WELLS FARGO ACCOUNT ON XX/XX/2015 WITH THE AMOUNT OF {$380.00} TAKEN, I CALLED TO DISPUTE THE TRANSACTION, I SPOKE TO XXXX SPOKE PEOPLE OF WELLS FARGO, THEY STATED THAT MY MONEY WOULD BE PUT BACK INTO MY ACCOUNT WITHIN XXXX DAYS OR LESS AND THAT I WOULD BE CONTACTED BY XXXX AND NEVER WAS CONTACTED, I CALLED TO ASKED AGAIN ABOUT MY ACCOUNT BEING TAMPERED WITH I GET NO ANSWER, I ASKED TO SPEAK TO A SUPERVISOR I WAS DENIED.
Chapter XXXX Bankruptcy US Bankruptcy Court District of Colorado Case Number XXXX Filed XX/XX/XXXX & Discharged XX/XX/XXXX - TransUnion is refusing to report the correct status of XXXX XXXX # : XXXX as included in Bankruptcy. File number XXXX, disputed and was not corrected as of XX/XX/XXXX. TransUnion is reporting the Bankruptcy discharge under public record but refuses to correct the accounts that are listed in the schedule with known dates prior to filing and discharge.
Upon the closing of the purchase of our home in XXXX XXXX, we received a solicitation in the mail for Nationwide Bi-Weekly 's program. We signed up with Nationwide on XXXX/XXXX/XXXX, on the promise that our mortgage would be paid off sooner than 30 years. Our bi-weekly payment was set at {$340.00} for a total monthly payment of {$680.00}. We were charged a " one-time set up fee '' of {$340.00} at the beginning of the contract. In XXXX XXXX, we received a letter from Nationwide stating that " due to the loss of [ their ] banking relationships, [ our ] account will be temporarily deactivated effective immediately. '' We were further instructed that we should make all further payments to our mortgage lender directly ourselves. Just XXXX months prior, we had attempted to set up bi-monthly payments directly with our lender, and were informed that if we changed our payment plans, would essentially be terminating our contract with Nationwide, and we would lose our " set-up fee '' of {$340.00}. This was counterproductive to the goal we were attempting to accomplish, and no small amount of money for us to lose, so we felt we were forced to stay with Nationwide. Since XXXX XXXX, we have sought the assistance of the Kentucky Attorney General 's office, and did not get any relief. Now we have discovered that the CFPB recently sued Nationwide Bi-Weekly and won. In auditing our bank account for the amounts paid to Nationwide versus the amounts paid to our mortgage lender by Nationwide on our behalf, it appears that there was a difference of {$410.00} that Nationwide must have kept/profited, as that amount of money was not applied to our account with our mortgage lender, in addition to the {$340.00} " set-up fee '' that they are still holding, without just cause.
I accessed my credit reports and see that  Capio Partners are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and woul d like for them to delete the information they are not bound to report. i have reached out but to no avail they are refusing.
Refer to complaint [ Case number : XXXX ] I can not view anything about the response from Discover to my complaint in nor at the link that you have provided below. Please send me the same in regular text via email so as to have transparency. 
https : //XXXXconsumerfinance.govXXXX
I have had fraud issues with my loan including receiving letters from companies with incorrect loan balances, wrong contact phone number to contact them, wrong address to contact them, and servicer information listed on the national student loan data base listed as banks that are no longer in business. I have also been given addresses of closed banks as my servicer. I was even told that no one knows where my loans currently are held by XXXX
I have recently become an adult and monitor my account like I should. I purchased a myfico account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the Experian premium service and found that there were to credit cards opened in the name XXXX XXXX one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.
I found out I was a victim of identity theft, after going to obtain a mortgage. When I realized this I immediately reached out to the proper authorities, filed an FTC Affidavit and continued on with filing a Police Report at my Local Police Department. I sent XXXX, XXXX and Transunion certified mail on XXXX/XXXX/16 listing the negative accounts and address that showed on my report. As of today XXXX/XXXX/16 ( even though the these items are listed in my Police report explicitly ) the fraudulent address and accounts are still listed. This violates section 605b of the FCRA and Section 623a ( 6 ) b. Stating specifically that this information is to be blocked within 4 business days upon presenting a valid Identity theft report. It has been over 120 days, and still XXXX and Transunion willingly choose to violate the law set forth to protect people who have gone through my situation.