WillisBack/dataset-financial-user-claim huggingface dataset:
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018.
I noticed again in my equifax credit report that I have a formerly name as XXXX XXXX I never had any formerly name my entire life as my my real name so this so called formerly name should be removed from my credit report as soon as possible. Thank you
On or about XXXX 2015, I found a negative reporting entry on my credit report posted by Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX for a debt allegedly owed to XXXX. The entry showed that the alleged debt was reported in XXXX 2015. I called Diversified Consultants and asked why they did not verify the debt by sending me a letter as required by law. They claimed they did ; I did not receive any such letter and I informed them about it. I have since noticed that they have noted on my report with the following information " Account information disputed by consumer, meets FCRA requirements '', meaning that instead of correcting the report and sending me a letter to verify the alleged debt, they have suo motu decided that they were in compliance with the FCRA.
On XX/XX/2018, I opened checking and savings accounts with Citibank under a promotion that offered a {$400.00} bonus with the following terms : 1 ) Open a new checking and savings account in the Citibank Account Package betweenXX/XX/18-XX/XX/18 ; 2 ) Within 30 days of opening your account, deposit {$15000.00} New-to-Citibank funds into the checking and/or savings account ; and 3 )  Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. I will provide a copy of the offer. I was an " Eligible Customer '' as defined by the offer, and I met the terms of the offer, but Citibank has not paid the {$400.00} bonus. 

According to my account statements, which I will provide, I deposited the required funds on XX/XX/2018, and I maintained the required minimum balance until XX/XX/2018. Citibank was supposed to pay the {$400.00} bonus within 90 days of when I completed the required activities. I completed the required activities by XX/XX/2018. Therefore Citibank should have paid the bonus by XX/XX/2018, but they did not. 

I contacted Citibank by " chat '' on XX/XX/2018, and again on XX/XX/2018, to inquire when the bonus would be paid. I will provide transcripts of these chat sessions. Both times, Citibank representatives assured me that I had met the terms of the offer. On XX/XX/XXXX, the representative said that I needed to " wait for the reward to appear. '' On XX/XX/XXXX, the representative said that Citibank would review my account and respond within 2-7 business days. I have not received a response, and Citibank has not paid the {$400.00} bonus.
I sent a QWR via certified mail returned receipt requested to my mortgage lender DITECH Financial LLC, requesting information on XXXX XXXX, 2016, and received the green card with signature showing that DITECH received QWR on XXXX XXXX, 2016. The allotted 5 days to to confirm receipt of my QWR expired on XXXX XXXX, 2016. Today s XXXX XXXX, 2016 and I have still not received confirmation of receipt. Any assistance you could render will be greatly appreciated Best Regards, XXXX XXXX XXXX XXXX XXXX Loan # XXXX
Clear Credit Solutions Company left voicemail, claiming a serious claim will be filed against me if I do not respond to their call referencing a Claim number and stating that serious allegations were made against me and will be pursued if I or my representative do not respond to their call.. The company 's representative did not leave his name identifying himself or what potential claim or creditor or debt the represent. This is clearly abusive and bullying in an attempt to collect a debt. The message never stated that they were attempting to collect a debt. It stated that serious allegations have been submitted and a claim will be filed against me. The message has left me shaken and unwell as I am XXXX and have XXXX concerns. This practice is clearly in violation of both State and Federal Fair Debt Collections Act. The message has been archived as evidence that the statement I am making is accurate.
XXXX I purchased a refrigerator, microwave oven and a television from Conn 's Plus Appliances. They delivered the items a week later. Upon delivery I expressed that I did not want them to install the microwave or the television because it was to expensive and I had someone else install the tv. Two days later my husband returned the microwave because it was not the one I originally selected and it was the wrong size and did not fit the inlet space over my stove. They charged me a restocking fee for returning the microwave and have NEVER adjusted my original bill to reflect the deduction for the returned microwave or deducted the charges for the installation of the tv. I payed the monthly bill ( late 2 times ), initially they were harassing me and calling me at work. I asked them not to call me at work and they stopped. XX/XX/XXXX I tried paying the balance off but it is incorrect and I refused to pay the incorrect balance. My payment is due on the XXXX of the month and they call at least 10 times a day for the payment. My husband and I have been to the store and no one is ever there that we can speak with. When they call me at home and I inquire about an adjusted ( corrected ) bill, they say they are transferring me to customer service and the line goes dead. I am at my wits end. I am considering getting a lawyer. I 've tried reaching someone at their home office in Texas, to no avail. I went to their website and it was full of complaints ( I submitted one also ). Please help me get resolution in this matter ASAP! 

Very, very DISGUSTED P.S. My initial monthly payment was late because I was told the first payment was not due till XX/XX/XXXX but it was actually due on XX/XX/XXXX ; I requested my payment date be changed to the XXXX of the month and that was a big hassle also.
I received a call from someone telling me that they were going to deliver paper work to me. They gave me a number to call and an account #. Once I called they said that they were going to send me documents unless I set up payment arrangements with the company. I have given them money and made payment arrangements. This company would n't provide me with their Professional License #
had someone hack my debit account around XXXX pm on XX/XX/XXXX I attempted to call the bank. Instead of receiving help, I was put on hold whilst the thieves were still trying to steal my money. Therefore, I reported my card stolen to stop them. I called the bank the next morning. They said they were issuing me another card. I talked to someone at BBVA Compass on the phone on XX/XX/XXXX who told me someone copied my card from a gas pump. I received my new card on XX/XX/XXXX, but it wo n't activate, because the bank says they have closed my account, and they wo n't give me my money.
I filed chapter XXXX over 9 years ago. My husband and I actually dismissed the BK and settled with creditors and paid off our debt owed under chapter XXXX. Will you please advise I can have the chapter XXXX removed from my credit report? ****Thank you XXXX XXXX XXXX XXXX
Experian has been committing fraud for as long as they have been established. Numerous inaccuracies on my account. They 've done nothing to rectify my situation. I have disputed numerous times with them, and they do nothing regardless of the fraud listed within the report. Experian needs to remove anything negative from my account as I have flawless payment history and I should have perfect credit. Unfortunately, due to their inept employees, outdated Infrastructure exposing them to security vulnerabilities and lackadaisical attitude when it comes to customer service, nothing has been done. 

Remove inaccuracies and make sure to re-list a positive account that was closed that I never stated to remove. There was a citi credit card that I had a positive history with. FCRA regulations state that a positive line of credit can maintain for up to 10 years and it has n't even been 5 years yet.
I opened an account with American Express in XXXX of XXXX, they offered me a credit limit of {$8000.00} along with their terms of credit, since then, I was using card and also making payments on the due date, I have never been late or gone over my limit. 
I always make sure I was in compliance with the terms of Agreements. 

On the XX/XX/XXXX I found out that they were going to reduce my limit to {$4700.00}, I was shocked because I have never late or went over my limit, they reason they gave was that my score was not now good enough now. 
( upper 680 '' s ) and there were other reasons on my account. 

Out of annoyance I cancelled the card, because I was mad, then the next day I asked to by re-instated, they told me I would receive a decision in the mail. they now sent me a letter saying was denied, I am now worried about the balance, if they are going to try to take it to collections, They will not give me a chance to follow terms of card. When they report to the credit bureaus, will they report limit of {$8000.00} or {$4700.00}. it will seem like l I maxed out limit when it is not so. 
Please help me investigate, I still want to pay down the balance. I am very upset and worried. 
Thanks
My tax refund was sent to Paypower on XX/XX/2015. I am unable to access my funds, despite almost 2 weeks of trying. I have provided them with all the necessary information for verification but their mysterious higher department has failed to give me access to my Federal Tax Refund.
I had an installment loan from Ace Cash Express for under {$700.00} on which I made several payments. I was unable to continue paying the payments and the loan defaulted. Yesterday at my work I received a call from someone claiming to be from my county clerks office needing to serve me papers because I am being sued. They asked if I had my 7 day notice with me. I said I had no idea what they were talking about and she suggested I contact the attorneys office and gave me the number XXXX and told me to refer to docket # XXXX. I called and was given to " XXXX XXXX '' at extension XXXX who had this horribly scary story of me being taken to court and need to have the amount of over {$1800.00} paid immediately or the judge could garnissh wages or put me in jail because since the auto drafted payments from my account in the beginning, the ones that did n't go through were considered to be like a bad check. 

The lady had me in such a XXXX I gave her every dime I had to my name off my prepaid debit card. The amount I paid was {$620.00} which is more than the original amount of the loan. She said they were going to contact my county clerk to put in a stop order. She told me that they were going to take another {$620.00} out in two days, XXXX XXXX, and the remaining balance of XXXX would be taken out on XXXX XXXX. I was told that if any of these payments did n't go through I would go to jail. Yesterday afternoon after regaining my composure and looking at the company that debited my card the red flags went up. It was not taken by an attorney 's office, but rather by XXXX XXXX XXXX. I then contacted my county clerks office who had no idea whatsoever what I was talking about and that no such paperwork, docket or case existed. I then went online and researched the name and phone number only to find they have gotten in hot water all across the country for doing this type of thing. Why are they allowed to continue this practice. I have had to report my card stolen and get a new card so they can not continue to charge my account. Upon figuring this out I called this lady back who was never available to take my call, but eventually had the lady who answered ask me if I had the rest of the money ready for her to get off my card. I told her to give her the message that I had gone to the county clerks office and found out this was all a lie, not to dare try charging another penny to my cards and that I would begin taking action against her. No one has called back.
Get OCC involved. Needs to be placed on US treasury DO NOT PAY LIST. 

scam artists who- lie to me do not enter my data correctly have multiple computer failures have XXXX issues -retaliate against veterans and XXXX veterans -seize asset wo US GOVT permission refuse to allow customers to wire money to another account refuses account access to check funds -are in TEXAS and repeatedly CON other veterans refuse to open credit lines when thousands available for the line bc they " cant put you as a citizen '' in the computer
Several letters were sent to XXXX XXXX XXXX for validation of account beginning in XX/XX/2018. The company sent a summary of account from the previous creditor but the items required for validation per law were never sent. After sending the second letter, XXXX stated they were uncertain of what the dispute was and asked for a written explanation and documentation regarding the dispute. As of today, I'm still receiving phone calls regarding this account and have yet to receive validation.
Hello, I 've been a customer of capital one for over a year. Not once before have I ever file a claim with my bank, and the one time I did, they denied my claim. I 've spoke to several claim representatives as well as customer service and nobody could solve issue. The customer service I received was horrible.. they treated me in such manor that I can say I was discriminated. The last repreentative I spoke to did not treat me like a customer she treated me like a number. I asked for the call to be escalated to someone higher and she could not connect me, she advised me someone would probably call me call me back, to this day I have not received a call back. my card was used by someone else that was not me. transactions were charged against my account at a location that I dont frequent. I ask they look at cameras or compare a signatures. this is such an injustice I live on a fixed income. I found my card and continued to use it to make purchases that I 've authorized. I ask the claim be reasserted and I receive credit for the fraudulent trasaction or I will be escalating this matter further. thanks!
I just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, never late XXXXXXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.
Dear TRANSUNION : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me, any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX, WA XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX
Letters regarding inquiries found on my credit were submitted  XXXX  to  XXXX , and Equifax.  XXXX  refused to remove any of the inquiries and an second letter was send  XXXX  and another  XXXX . I never received a response from Equifax nor an update. A second letter was sent on  XXXX .
I have been making on-time payments in good credit standing with Value city for over a year. 
Last month they re-ran my credit score and based off that, they lowered by credit limit, XXXX my score went down because I just purchased my home in XXXX 2015. My issue is since they did that it has negatively affected my credit score because now I am using 77 % of my credit limit since the limit was decreased, where before I was at 67 %. Credit limit greatly affects your credit score. Not only did this do nothing for me but create negativity to my credit score, I am still making on-time payments and a great customer. They do not care how they affect people and the great customers they have.
My loans were recently transfered to Navient, sometime in early XXXX, from XXXX. From XXXX, to present, my health has been poor and my wealth/income even poorer. As such, I have qualified for IBR-repayment plans of {$0.00} per month for several years now, and with my previous servicer XXXX, submitting IBR paperwork usually required a single phone call and a single email. After I learned the procedure, it took only one yearly email with IBR application and tax return attached. I never had to worry that it would n't be processed correctly or approved or whatever. 

But with Navient this summer, it has been a root canal to try to push my IBR through inch-by-inch. I 've called customer service many times, always diligently asking if there anything more I NEED to do, is there anything more I CAN do, is there something I am doing wrong? The reason I would ask all those questions is Navient never seemed able to know how to process an IBR or sometimes even what an IBR is. This echoes the complaints of the states attorneys general, so I know that I am not alone. I 'm sorry that I did not take detailed notes of all the phones calls and how much time I spent on the phone ( nor how much this cost me as I pay for phone service on a minute-by-minute basis ) but I had no idea how painful this would be when I started. I estimate I have spent 5+ hours on the phone, and another 3-4 hours on the Internet trying to ensure that my IBR would be processed, and it still feels a bit unfinished. 

In addition to profound ignorance of IBR plans, they also have special tricks. Finally my IBR was seemingly completed this week, but even after it was done, Navient 's last trick was to conjure a late fee (! ) that was due to be paid on XXXX XXXX, XXXX. This late fee was allegedly assessed by my previous servicer back in XXXX and XXXX. When I explained that I had months and months and months of emails from XXXX between XXXX and the present that stated that my balance was XXXX, Navient was not capable of receiving those emails, nor were they interested in receiving them, telling me that would have no bearing on their opinion. After I escalated my call with the customer service agents to XXXX XXXX ( this took 45 minutes talking and on hold before an agent told me I could hang up and they would call me back, which they did ). FInally by agent on level XXXX I was promised that a XXXX days process would review my complaint and the agent would REQUEST that the fees be forgiven " as a courtesy. '' Patronization in that aside, this is just another thing for me to put in my date book and double check later to ensure resolution has been reached correctly and if I lose track of time I 'm sure I will get another late fee on XXXX XXXX when that payment is due -- an additional late fee for not paying a fraudulent late fee! 

Thanks for your time. I 'm trying to keep my head above water until Navient is finally shut down by the federal government. This is a fraudulent organization. A strictly zero profit organization ought to service federally-backed student loans.
XXXX XXXX XXXX sent our closed account to a collection agency Franklin, ( all  equipment returned and services paid for ) as we switched to another provider. 
We sent copies to both XXXX XXXX XXXX and the agency to no avail. We finally just paid the darn bill as to get the phone calls, letters, etc on our file stopped. 
Now a collection account shows on our account. 

HELP ... this is coming us a mortgage. 

Thank you,
This is my second complaint. I opened a loan with XXXX college XX/XX/XXXX. The notation on their trade line on my files is : " First payment never received ''. This means my first delinquency date was XXXX. I never rewrote this loan, made a payment on this loan or did anything on this loan. 
XXXX reported it as a collection after receiving no payment XX/XX/XXXX. ( That notation is on the paperwork attached ). Of course the delinquency date was still XX/XX/XXXX since NO PAYMENT WAS EVER MADE. To illegally manipulate the bureau 's obsolescence programs and VIOLATE FEDERAL LAW they changed it back to 180 days late XX/XX/XXXX. Apparently so that this stays on my credit file for the rest of my life. 
I filed a complaint and all TU did was tell CFPB that they sent the dispute to XXXX and XXXX verified it was correct. ARE YOU KIDDING ME? THIS IS SIMPLE MATH PEOPLE. NO PAYMENT SINCE XX/XX/XXXX ... changed to collection and then back to 180 days late. DO I HAVE TO SUE TRANS UNION TO GET THEM TO OBEY THE LAW? 
Please pay attention to the historical payment detail attached and force Trans Union to obey the law. 
You folks really should publish this one. I understand this manipulation of account status is the number one way companies keep things on people 's credit reports for the rest of their lives.