WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : In a recent evaluation of my credit on XXXX/XXXX/XXXX, it has come to my attention that XXXX XXXX XXXX XXXX negative reports were filed on my report. According to the reports I have reviewed, the reports were filed in XXXX by a " XXXX '' on behalf of " XXXX XXXX XXXX '' and a collection agency " MIRAMED REVENUE GROUP '' on behalf of a " XXXX ''. In further research of the alleged collections, XXXX XXXX has numerous complaints of other false collections under investigation. Miramed Revenue Group appears to have mistakenly filed the same collection twice which has further damaged my credit unnecessarily and also reported inconsistent reports with different agencies bringing their entire credibility as an accurate reporting entity into question. 
Finally, it is my assertion that XXXX agencies ( and therefore all the negative reports ) are completely fabricated, fraudulent, or otherwise false. Whatever the case may be, rest assured that I in no way agreed to or had knowledge of either Miramed Revenue Group OR XXXX XXXX XXXX, XXXX or XXXX. 
These collections were all filed without my knowledge and devoid of any warning from any of the above entities. I have, by certified mail, notified Each of the above collection agencies, all XXXX credit, submitted an official complaint with the Consumer Financial Protection Bureau in hopes of immediate resolve. I am also notifying the office of XXXX XXXX, the United States Treasurer and the Illinois XXXX in hopes of further oversight in debt collection practices. 
I am not alone in what appears to be a growing list of victims in my community and in across the country and I demand these records be completely removed so I can benefit from the advantages I deserve as someone who made the decision to never utilize their credit at all. I am simply attempting to start the process to own my own home and these, false reports stand in my way of that human need. 
I am looking forward to your response!
I have been trying to get my private student loan payments reduced for some time now, I am a single mother of XXXX and can not afford the now $ XXXX month payment. I have requested to the company many time to see if I could get some sort of income based repayment option, but have been repeatedly told there is nothing they can do for me but put my account in forbearance. I have submitted a complaint here before and the only outcome from the company was to call me and tell me again that there was nothing they could do for me because of me having my account in forbearance, my account is up to date and not showing any hardship. The employee stated to me that the company " might '' be able to help me if I let my account fall past due, because only then would it show a hardship and they " might '' be able to lower the payments a little bit. I stated to the employee that I would not default on a loan and the employee told me not to worry about it because they do n't report it to my credit report for 60 days and " hopefully '' they would have been able to do something before then. I again stated I would not default on my loan and the employee stated then there was really nothing else they could do for me. When I got upset that the employee was telling me to default on my loan the employee stated several times that as a company they could not suggest I default on my loan, when I stated that he had just told me it was the only way I " might '' be able to get the payments lowered he stated again as a company we can not suggest you default on a loan but yes the only way to possibly get a payment reduction is to have the account showing hardship like being past due. The employee than stated that when I accepted the loan I signed an agreement to pay back the loan and that I had to be held to that agreement. I stated to the employee that I fully understood what I agreed to and that I had every intention on paying the loan back all I am requesting is lower payments. The employee informed me that they did not have to offer income base repayment options because they are a private loan company. Nothing came of the conversation and I again had to put my loan in forbearance this month.
I am writing this letter in regard to an issue that has presenter itself. I had an outstanding balance on a Citi Bank credit card account 2 years ago because I went trough a hardship I called the bank directly and settled my account over the phone ( bank has to to have a record ). Citi bank set up automatic payments on their end which were completed abs terminated by Citi Bank when settlement amount was reached in XX/XX/XXXX and I have a proof of all this payments. Approximately few week ago in XX/XX/XXXX I received a letter from a debt collector XXXX stating that I have a remaining balance of XXXX, I explained what happened to the debt collectors, they refused to cooperate, I tried to call the Citi Bank and they refused even to speak with me, stating that my account was sold to XXXX and I have to speak with them, I feel like I am stuck in between because of mistake made by Citi Bank. I obtained proof of all my payments from my bank and sent them to debt collectors and according to them they contacted Citi Bank twice on my behalf, 1st time banks response was " the monthly payment amount was incorrect it is supposed to be {$95.00}, instead {$93.00}, when I explained it was set up on Citi Bank end then they answered on 2nd request that they never even settled account and I was just paying toward my balance and was unable to explain why payment was terminated by Citi Bank.
IN REGARDS TO : XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX Investigation of an inaccurate item The account your company is reporting to the credit bureau is troubling. Because of this, Im requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed repossession deficiency transaction sale on this account. In addition, please show me the date that you claim that this account was charged - off. 
Im tracking all documents. 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANY FURTHER VIOLATIONS HAVE OCCURED. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS. 

PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE. 

THE ITEM IS NOT REPORTING 100 % ACCURATELY THE TERMS HAVE BEEN CHANGED FROM NO TERMS TO 72M TERMS. THE MONTH 'S RECEIVED HAVE BEEN ALTERED FROM 1 MONTH TO 2 MONTH 'S RECEIVED. THE BALANCE AMOUNT OF {$9600.00} AMOUNT PAST DUE {$9600.00} AND CHARGE-OFF AMOUNT {$9600.00}. THE NEW BALANCE AMOUNT IS {$9600.00} AND THE NEW PAST DUE IS HAS BEEN CHANGED TO {$9600.00} AND THE NEW CHARGE-OFF BALANCE WAS ALTERED TO $ XXXXAS WELL. THE ACTUAL PAYMENT AMOUNT WENT {$0.00} AND THE SCHEDULED PAYMENT AMOUNT WENT FROM {$0.00}. THE ACTUAL PAYMENT AMOUNT IS MISSING AS WELL AS THE SCHEDULED PAYMENT AMOUNT IS MISSING WHICH ONCE UPON TIME WAS {$0.00}. THE ACCOUNT HISTORY WITH STATUS CODES ARE INCORRECTLY REPORTING XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAYS LATE. AS THIS INFORMATION HAS BEEN ALTERED REAGED XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAY LATE, XX/XX/XXXX CHARGE-OFF STATUS. THIS BY FAR INVESTIGATION AND REVIEW WITH MY ATTORNEY HAS TRULY DISTURBED ME. THE HISTORICAL ACCOUNT INFORMATION EQUIFAX HAS REPORTING EVEN IS FRAUDULENTLY DECEIVING POTENTIAL LENDERS. 
Why did you do this? Do you know that you have just violated the FCRA, which carries a fine of {$1000.00} for each violation? Im sure your company wont be happy that your it has now opened themselves up to liability for such a small debt. Now, I will give you opportunity to fix this and make it all go away if you do the following : 1. Remove this illegal reporting from my credit report within 15 days from the moment you receive this complaint. 


If you choose to ignore my request, and keep the negative information on my report, I will continue to do the following : 1. File a complaint with the FTC. 
2. File a complaint with the attorney generals office.

3. File a complaint with the Better Business Bureau.
You quys have my credit report that my car was repo two months ago and my never was repo I still have my car and paying you guys
M and T Bank checking account frozen under no goverment agency orders but accepting deposits not withdrawls.
After refinancing my XXXX bedroom condo with US Bank, they sent me a request for proof of adequate insurance coverage. After sending my insurance documents ( via fax ), US Bank informed me my insurance coverage was inadequate and they were authorized to provide insurance for me. I told them I would contact my insurance carrier ( XXXX ) and increase my coverage to satisfy their demands. A XXXX way conversation was initiated and XXXX increased my coverage to satisfy their demands. Once all parties were satisfied with the increased coverage amount, I continued to make my monthly condo insurance payments to XXXX, however I recently recieved an itemized escrow statement from US Bank witch included an insurance payment for the exact amount I am presently paying XXXX bi-annually. I tried to explain to US Bank representatives that it was unnecessary for them to charge me for home-owners insurance since I pay for said insurance through XXXX and please refund my escrow payment. I was then told I signed specific documents during closing that allows them ( US Bank ) to provide me with adequate coverage and it was within their rights to do so. I tried to explain to them I satisfied the coverage through a third party insurer ( XXXX ). After being transferred to several different representative, I finally gave up my fight. Now I feel ; though I 'm not sure, I 'm paying twice for home-owners insurance. Once through my carrier ( XXXX ) and twice through ( US Bank ) escrow. Can you see my dilemma?
My account was used fraudulently, and after over XXXX calls to Barclay XXXX with my Police Report in hand, I was credited for the amounts of the fraudulent charges. I was not, however, credited for any interest or associated fees. I am still being charged interest on the fraudulent purchases. Unfortunately, k due to the complicated process of calculating APR on these amounts, I do not know how much money I am being charged.
XXXX date opened XX/XX/2006 and the statue of limitation stated how long items remain on credit file. 7 YEARS ONLY I WANT THIS Their date of last activity is inaccurate in credit file. I want this removed immediately from my file according to FCRA. Thank you.
Bank of America ATM XXXX located in XXXX. I withdrew {$400.00} and the machine did not dispense money. There was a number on the machine to call to report a problem but it kept looping back to the main menu. I called a different number for the bank and they told me it was n't their problem because my checking account is with another institution. I do n't think they should be allowed to have ATMs in public locations if they wo n't support them.
On XX/XX/XXXX, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XX/XX/XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XX/XX/XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXXl, since the amount was wrong, I still owed a small balance and I paid that off in XX/XX/XXXX. In the meantime, XXXX marked me late 30 days for the month of XX/XX/XXXX, reported the late to the credit bureaus, then marked the account paid in full in XX/XX/XXXX!
I am disturbed that you continue to list the voluntary dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the FCRA ( Fair Credit Reporting Act ) mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. In the case of the voluntary dismissed bankruptcy in my file, it was never adjudicated or relieved and therefore must be removed.
I have been trying to renew my Income Driven payment plan since XX/XX/2017. My income went from 19. hour to 14. hour I have called every month since the above date.

Every time I call I speak with a different person who insists that my account will be brought up-to-date That still has not happened.

I want someone to please help me with this problem I am having with the Navient Student loan agency.

Please let me know what I can do to become part of this class action suit.

My email address is XXXX XXXX XXXX
XXXX XXXX reported on my credit there was a bill for services rendered at XXXX XXXX XXXX. I told the person over the phone that there was a XXXX  balance ( paid in XXXX XXXX - all three bills XXXX XXXX XXXX ( 2 ) and XXXX XXXX ( 1 ) ) ; I requested that they send the proof of the bill. I got no response. I challenged it on my credit report and recevied no response. I requested that the proof of the bill be sent from XXXX XXXX and got no response. Then, approximately, in XXXX XXXX, I received notice that XXXX XXXX  had filed a lawsuit to sue for the amount plus court costs and 8 % annum. I spoke with XXXX XXXX and stated it was paid. I was spoken down too and threatened with various things and told I was a liar. XXXX XXXX continued on and tried to tell me to just no show up in court if I didnt believe this to be true. The paralegal also prescribed unsolicited legal advice that it was in my best interest to pay. I esculated the issue with IMC and was told XXXX XXXX was the supervisor and person responsible for the return call. I never received a call. I requested again from XXXX XXXX and XXXXXXXX XXXX XXXX in wriitng and the bills ; I never received them. I was told by XXXX XXXX XXXX that I had a XXXX balance and they would mail the receipt. XXXX XXXX sent an electronic statement of services renedered. I also questioned billing because I had received a refund from XXXX XXXX after I filed a complaint about being double charged for same services by multiple providers. I have appeared in court twice and spoken with XXXX XXXX of XXXX and XXXX, who is the attorney for XXXX XXXX. He said there is no way my statements could be true and told me I can not countersue for more than {$6000.00}, I could not file motions in court if they were in paper copy, and went on how he was going to be calling people to the stand to testify and try to pressue me into settling with him. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX have continued to fail tor espond to written, email, phone call, and faxes. I have over 80 hours invested in legal defense, lost wages, incurred cost to travel, and additional loss when all parties are fully aware this was filed fraudently. XXXX XXXX XXXX is adament that XXXX XXXX is fully aware that there is a XXXX balance and XXXX XXXX continues to argue in court this will take eight hours to settle in court ( seems he is trying to milk a paycheck ) ./
XX/XX/19 I was preparing to close on a property, XXXX XXXX XXXX XXXX La. XXXX. The closing was scheduled for XX/XX/19. I was instructed to wire {$32000.00} needed for the impending closing early to prevent another delay in closing on the property. My closing/Escrow officer, My banker and I were waiting for the lenders approval to send the money for the closing that was scheduled to take place early XX/XX/19. Once we obtained approval, My closing/Escrow officer sent me the wiring instructions and I forwarded the wiring instructions to my banker. My banker wired the {$32000.00} needed for closing to the Title company listed on the wiring instruction sheet. The name listed on the wire instructions were XXXX XXXX XXXX at Suntrust Bank. I arrived for the closing and realized the funds were not available. The funds were intercepted by a fraudster and were not available to the Title company handling the closing of the home, XXXX XXXX XXXX. I as well as many others contacted Suntrust fraud department. I was told my bank had to contact them with a list of instructions of which one was to fill out a hold harmless agreement. 
No one involved in this fraudulent activity has offered any suggestions as to how I can recoup my {$32000.00}.
I will like a bankruptcy that does not belong to me that is being reported on my credit report deleted .. I will like proof provided that this was under my name full ssn and address where I reside, I have resolved this issue with the other credit bereaus and this is not something I have filed and is linked to my credit profile, also I have inquiries that I do not recognize and will like them removed I have been a victim of identity theft and will like for these things to be removed I provided documents stating what they are thanks
To whom it may concern : On XX/XX/18 I received a phone call from ( XXXX ) State Farm Bank - asking to speak to my wife ( name ). I asked what this was about - I was told that they had received a credit card application from her and needed to speak to her. I asked when they received the application and I was told they received it the previous day. I told them that she had not applied for a card and that we did not want a card since she had been deceased for over two years. 

On XX/XX/18 I received a Visa credit card in my wife 's name. 

On XX/XX/18 I called State Farm Bank ( XXXX ) and spoke to a supervisor ( XXXXXXXX ). I advised her of the problem and that I wanted the card cancelled and a written statement from the company that it had been cancelled and that there would be no report to any credit agency. She advised me that they knew that it was a fraudulent application and that the card had been cancelled. She did not know why that the card had been sent anyway. She advised that I should receive the letter in 7-10 days. 

I can provide a copy of the credit card, account number, and date of expiration if necessary.
After numerous phone calls from XXXX XXXX XXXX for an alleged debt collection, the company sent me a letter since I would not give them personal information over the phone. The letter arrived on XX/XX/XXXX and states that I owe a debt to Toyota Motor Credit ( TMC ) and asks for {$370.00} as the amount due. My last business transaction with TMC ended in XX/XX/XXXXwith an auto lease termination and all charges paid in full ; no further communication from TMC was received after that. I called TMC on XX/XX/XXXX and spoke with an agent in their finance department who reviewed my account with them. The TMC agent stated that my account was closed and paid in full and that there were no flags attached indicating a dispute.
In my mind this is an attempt by XXXX to extract money from me for a bogus debt. Watch out for communication from XXXX and do your homework to verify that the alleged debt is real.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX  XXXX
I have been working with my lender Wells Fargo in regards to loss mitigation options. I have sent in all information and documents they have requested and was just informed last week on XX/XX/2016 that they are requesting a occupancy bill for my renter. I did send it to the lender and they are unable to tell me if they will be postponing the sale or not and not giving me time to consider other options. I am now afraid my house will sell because I can not leave my job to go file a bankruptcy with the sale being tomorrow morning.
ACS/XXXX XXXX XXXX XXXX This is a education loan which was consolidated. It states on my credit reports it was paid but past due 90 days. I was never past due on this loan. I have four loans with ACS all of which were consolidated at the same time and this is the only one reporting inaccurate information. I started an investigation with ACS and they have not remedied the problem. This late reporting is inaccurate and I would like this corrected on my credit reporting and reported accurately with no late payments made.
I filed a complaint with cfpb # XXXX Experian got the complaint closed since they say they are mailing my credit report through the US MAIL.

Do they even have my correct address? What address did they mail my credit report to? They say I got my last credit report in XX/XX/XXXX. If they are using the information from XX/XX/XXXX they are sending my credit report to some random person as I have moved since then hence me wanting to get my credit report on line as it is more secure. Since they have taken it upon themselves to send a hard copy of my credit score and personal information out to some old address and to some random person is Experian going to be responsible for future theft of my identity since it now being compromised by there archaic actions of sending a hard copy vrs letting me get my credit report on line. Again it took XXXX  all of 30 seconds to get my my credit report with verification questions that I could answer. Not some made up verification question about loans and credit accounts I never opened in the time frames they said they where opened. Again this is absurd that a company can collect data about me and not have to reveal it to when I ask. If I ask the FBI to see what ever files they have collected about me they have to show them. The credit reporting agencies need to be fined and held responsible for any financial hard ship denial of credit high interest rates a person suffers from these companies reporting wrong information and making it so hard for someone to get their report. To verify correct information.
Coinbase Bitcoin Exchange Case # XXXX XX/XX/2017 I can not withdraw a XXXX of dollars worth of Bitcoin virtual currency because I no longer own one of two email addresses required in order for me to authorize the withdrawal via email. I submitted my initial request for assistance from Coinbase in XXXX and although I 've been told that there is a solution, three months later I have n't seen any progress whatsoever and have n't received a single reply to my requests for updates in over a month. 

BTC Vault XXXX BTC