WillisBack/dataset-financial-user-claim huggingface dataset:
This letter is being sent to you in regards to the above reference account that Linebarger Goggan Blair & Sampson , LLP has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation has been requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED. 
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Identify the original creditor- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 
At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against LINEBARGER GOGGAN BLAIR & SAMPSON , LLP for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
I paid off this credit card in full and it still is showing in my credit report because it hasnt been removed in a timely manner. Now this is preventing from obtaining financing for a vehicle I would like to purchase.
XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I was informed all paid medical collections should be removed, two old paid medical accounts are still listed. These items were disputed and nothing was removed. Why is n't Equifax complying with the law? Please help assist
i would like to ask my bank wells Fargo to send transactions a little faster to XXXX XXXX because my money will be hold into XXXX see I got pay
I have been trying to purchase a property located at XXXX XXXX XXXX XXXX, XXXX, California XXXX since XX/XX/2016 from the property owner, XXXX XXXX XXXX. The Escrow Company has not been able to get a " payoff demand '' from Chase Bank who is the current holder of the property. The Escrow company has contacted Chase Bank several times to get the payoff demand but Chase is refusing to give them the information which is causing me damage as the buyer because of the delay. The Attorney that represents Chase Bank is named XXXX XXXX and he is also refusing to comply with our request. I have also made several attempts to call him and left several messages but he will not return my calls nor the calls of the Escrow Company. 
His email is XXXXXXXXXXXX I am asking your agency to intervene and investigate why Chase is refusing to give out the information for the payoff demand. 

Thank you for taking the time to read this complaint. 

Sincerely, XXXX XXXX Tel. ( XXXX ) XXXX
I received this email with an attachment which I do not want to open. They portray themselves as an employment agency with the title for their LLC as " sourcing and Support ''. This is false pretense & whoever approved the LLC name and nature of business should be fired. Also, there was no option for communication tactics that rules over email communication. I am not opening the attachment nor calling the numbers. I would like a cease filed on this company as email communication is a breach of security practices under the FDCPA privacy act. My laptop is connected to my work and now they can all see my personal information. I would like to know how they are able to communicate by email, they also do not state the fdcpa " this is an attempt to collect a debt.. '' '' '' Here is the body of the email but I am not opening the attachment to copy that and I do n't see a way to attach it. Nor did I give anyone permission from Vantage for email communication. 

" Dear XXXX XXXX, In the interest of getting this notice to you as quickly as possible, we thought you would appreciate receiving it in an email. Our records indicate that we have your permission to communicate with you at this email address. 
If you are not XXXX XXXX, please click here or call us at ( XXXX ) XXXX to remove your email from our mailing list. 
If you are XXXX XXXX and you do not wish to communicate through email, please click here or call us at ( XXXX ) XXXX to receive no further email communications. 
To maintain security and for your protection, we have securely encrypted the attached document. To open the PDF attachment to this email, you will be asked to enter the last XXXX digits of your social security number as your password. We look forward to speaking to you soon at ( XXXX ) XXXX. 
Thank you, Vantage Sourcing Service & Support TeamPlease do not reply to this email, as it was sent from an unattended mailbox. 
CONFIDENTIALITY NOTE : The information transmitted, including attachments, is intended only for the person ( s ) or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this information. 
Get XXXX XXXX XXXX XXXX attachment XXXX
I faxed a letter as initially directed by customer service requesting my PMI cancellation because it is meeting the ratio required. I make my payments on time, make extra payments and I have no junior loans. The Federal Reserve has the Homeowner 's Protection Act which states that in the case of a refinanced loan the " original value '' is interpreted as the appraisal used at the time of the refinance. I do not feel I should need to pay over XXXX dollars for a new appraisal when the Act states that the ratio is based on the original value/ appraisal. I called two hours later to confirm if fax was received. They said they have their own procedures, requested I fill sign their ( PMI Removal form " immediately '' ( which had a built in consent to pay for appraisal that I did n't see ) and to fax it to a different number. After debating the legality of their " required '' appraisal and fee, the employee XXXX XXXX then they said they are referring the matter to their PMI department and they will call me back in four days. I sent them the request, the appraisal, and I also sent the section of the Homeowners Protection Act pertaining to refinanced loans. I spoke with XXXX separate people and it took hours. Both women had heavy accents that were unintelligible. I have never received documentation from this company on PMI cancellation, nor is it visible anywhere in their website.
I applied for an apartment that usese a third party credit reporting agency called onsite/ XXXX XXXX. They pulled this report on or around XX/XX/XXXX. It listed several false accounts in collections. I quickly reached out to the associated collection agencies both XXXX and XXXX University and obtained letters from both stating that the items should be removed from my report. Yet XXXX refuses to remove the erroneous information. This is preventing me from getting my apartment and is greatly impacting my life.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against NATIONAL RECOVERY AGENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
I have a Direct Express Debit Card which my SS Benefits are deposited on each month. On XXXX XXXX, XXXX I paid my utility bill of {$330.00} and I have the receipt that shows I paid XXXX, but when I checked my account on line the amount had been taken out twice, XXXX minute apart. I called XXXX XXXX and it took XXXX hours to get thru, they will not let you hold for a rep, you have to call back again and again. They stated they would mail me forms to fill out and MAIL back ( no faxing ). That was the XXXX, it is now XXXX XXXX and still no forms. I have called again and got the same speel. it will be there. I looked on the internet for reviews of Direct Express and I found it on XXXX Off Consumer site. I think they are really taking peoples hard earned benefits. I think XXXX XXXX XXXX, needs to change companies to handle recipents benefits. I call XXXX and it was suggested to me to get a local bank Direct deposit. Some one needs to check Direct Express out.
I applied for the Amercian Express card. I have charged XXXX dollars on the card. Because of a bad service I decided to cancel card after couple of weeks. I cut the american express card. When I received the bill and wanted to pay it through bill pay, American Express bill did not have the full account number. I called and requested that my account number be sent to my home address on record after answering all the security questions. American Express refused and insisted on getting my own financial information over the phone. I am not comfortable giving my bank information to a customer service rep who might be in a different country. 
I am concerned that not paying the bill on time will affect my credit history which is excellent. I just need the account number to pay the bill and they are refusing. All other major credit card companies have the account number of the bill. I do n't understand the problem.
The company called me about a debt. I have called them back repeatedly, but they will not work with my situation. They have taken legal action against that they said they would withdraw, but they have not done so.
On XXXX/XXXX/16 I returned signed and notarized loan modification documents in pre-paid XXXX envelope. I reached out to my home preservation specialist via email ( which is the best method of communication that I have ), on XXXX/XXXX/16 to confirm receipt. She advised me in her emailed response the the documents were not acceptable as the signature didnt match a previous signature. I reached out to her again via email requesting a detailed explanation as to what the problem was with my signature and requested a response in writing. To date, I have not received an explanation from Wells to ensure my understanding. Instead, I received a new loan modification package requesting that I call for an explanation. I did call, per my availability and left a message as it was outside of their business hours. I received a returned call from my specialists advising that I should call her as she was unable to reply to my email. These secured emails were initiated from Wells so one would reasonably assume that if there was a problem then a simple resolution would be to start a new email chain. I have made it clear to Wells that it puts my job in jeapordy to have phone calls with them during my work day and while it seems like a viable alternative that I call on my lunch or break - that is not an option for me. I returned the new package and used a signature that included the complete spelling of my name as opposed to my first initial and last name which is the sinature I use for everything.
Here is what happened : they have refused to deposit this cheque, and refuse to credit my deposited cheques. 

to XXXX., XXXX. 
Here is the email to XXXX it is very explicit in its instructions. Instead of following these or making any attempt to cooperate, XXXX calls me and REFUSES to let me speak. That is beyond aggravating and does not help anyone. She refuses to give me her suoervisors contact, and wonders why I am upset! I have been treated extremely poorly by your bank. And XXXX was rude, hostile, aggressive and condescending. All woukd have been avoided if she had taken the 5 minutes needed to simply READ my email. 

I have now spent 6 hours of my time on the phone attempting to receive my own money. 

-- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : XXXX XXXX, 2015 XXXXSubject : Fwd : Very upset. 
To : XXXX Cc : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : XXXX XXXX, 2015 XXXXSubject : Very upset. 
To : XXXX Cc : I opened up a Bank of the West account about a month ago and have had a lot of trouble getting access to my money. For example a check that I deposited two weeks ago is still debited from my account declared " uncollected '' ... this is a very long time not to cash a check. 

Today in the grocery store I was unable to buy groceries. I called the number on the back of the card but nobody ever answered. 

I called XXXX at the branch I had opened at and she said the card was working fine. I explaind to her that I could not make the purchase. 

I was in the store over an hour and my card never worked. 

XXXX called me back and was very unsatisfactory, not apologizing at all, and not answering my questions or letting me speak. 

I called customer service. he put me through to XXXX who only said that my card is working fine even though I told her that its not. Her she said she would give me a direct number if I had any other problems but she did not give it to me. 

I have a cheque coming in of XXXX. I trust you will not hold these funds for ver 2 weeks like you have been holding on to my other checks. As soon as it is cleared I want you to notify me immediately so I can come in and take all my money and close my account. As clearly you do not want me as a customer mPlease verify that you have received this email, and will notify me the minute that the check is clearedmThank You XXXX XXXX
I made an online payment from my XXXX XXXX XXXX XXXX account on XX/XX/2019, it was posted to my Wells Fargo Bank Secured Credit Card XX/XX/2019. However, my {$250.00} payment has been on hold and will continue to be on hold until XX/XX/2019, unless I fax proof the payment debited my checking account. In the meantime, I wonder if I am being charged 28 % apr everyday my payment is on hold and how long WFB has been processing my payments this way and to how many others. In the meantime, WFB is earning interest on my payment and not making my credit available to me for use. I had to fax a copy of my bank statement with my name and account number as well as my credit card number for them to release the hold on my credit limit. ( which I did today )
XXXX Bank, XXXX XXXX, has been illegally attempting to collect a mortgage debt for the past 2.5 years and has engaged in multiple instances of fraudulent misrepresentation to both me, the state and appellate courts of Ohio, and to the United States Sixth Circuit Federal Court. 

Specifically, the Bank, by and through its attorneys, alleged that it is the new trustee in the case by virtue of being the successor in interest to Bank of America. As a result of those false statements, the bank then stated to the courts that it was the 'real party in interest ' in my case. 

In addition, XXXX Bank  itself wrote me a letter ( attached ) in XX/XX/XXXX stating that it was the 'trustee ' for the 'trust ' that owns my note and mortgage. None of the statements above, both made in court and made to me, were true at the time they were made, and they are still not true today. 

The evidence of their falsity is readily apparent by means of a fraudulent 'Corporate Assignment of Mortgage ' that was filed by XXXX XXXX XXXX , XXXX , the servicing agent on the account. 

The assignment, which was prepared on XX/XX/XXXX, contains a number of contradictions that prove that the statements made prior to that date were false. In addition, further statements that were made after XX/XX/XXXX are also false since they assignment failed to transfer any 'interests ' to XXXX Bank as they alleged in court documents. 

XXXX Bank, in addition to committing fraud upon the Courts, is in direct violation of the Consent Decree it signed with the OCC in XXXX, XXXX. 

Article IV ( 1 ) ( e ) of the Compliance Program, signed by the bank on XX/XX/XXXX, requires the bank to establish and maintain : ( e ) processes to ensure that the Bank has properly documented ownership of the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the action ( as a result of agency or other similar status ) at all stages of foreclosure and bankruptcy litigation, including appropriate transfer and delivery of endorsed notes and assigned mortgages or deeds of trust at the formation of a residential mortgage- backed security, and lawful and verifiable endorsement and successive assignment of the note and mortgage or deed of trust to reflect all changes of ownership ; ( emphasis added ) All of the above requirements imposed by the OCC detailed above have been violated. 

As of XX/XX/XXXX, XXXX Bank has filed a new praecipe of sale as part of its ongoing fraudulent scheme to literally steal my home under false pretenses. 

I filed in state court on XX/XX/XXXX the attached new motion to vacate the summary judgment due to fraud on the court and 'any other reasons justifying relief ', but it was incorrectly denied on XX/XX/XXXX due to 'res judicata ' .
Hello- My checking account ending ending in XXXX was closed and charged a Force-Closed account fee of XXXX all while incurring XXXX in monthly charges as well. I am a credit card customer of US Bank and the account is supposed to be fee free. Well they put me in the wrong checking account so I was being charged a fee. When I pointed out there mistake they said I would have to pay the monthly charges on the account before the would close it an reopen the correct checking account that is fee free being a credit card customer. I refused and said it was not my fault. So instead they closed my checking account and was charged XXXX as a " Force '' fee. This is like XXXX XXXX opening up accounts for customers that they didn't need in the first place.
{$20.00} cash advance is at a higher interest rate than purchases. Any payment above the minimum goes to the higher rate correct. Walmart credit card thru Sychrony bank XXXX said I have to pay purchase balance to XXXX before any of the payment above minimum will be credited to cash balance.
Experian sells access to me to see MY OWN credit report. They were charging {$19.00} a month ( a MASSIVE PRICE FOR THIS SERVICE, should be more like a XXXX or XXXX, not XXXX dollars a month ) and when I complained about the price, they lowered it by XXXX %. {$20.00} a month is a LOT of money to pay to access MY information which can and is regularly used against me to scam more money. While on the phone, she said I could get access to all XXXX bureaus for 6 months for {$26.00}. Since I am in process with multiple construction loans, I said yes. Today, I went in to check the XXXX reports and low and behold, they only pulled the report for THAT day and I DO NOT HAVE ACCESS TO ALL XXXX BUREAUS FOR 6 MONTHS. I called and got the same " you have access for 6 months '' razzmatazz lies, but I do n't. I only can read the same report they pulled the first day, available online for 6 months. It is now VERY standard for banking industry to give YEARS of data visibility for free, so their saying that I " have access for 6 months '' is a direct attempt to lie, distort and scam me out of the {$26.00} for XXXX report. I specifically clarified when I called what I would be getting and they clearly have a carefully worded script to scam the public. They are purposefully lying about what they are offering to get people to pay the {$26.00}. They refused a refund because they said I " Have access for 6 months ''. I do NOT have access to the XXXX credit bureaus for 6 months. I only have the report I ran the very first day. They are lying to cheat consumers out of {$26.00} a pop. I can not imagine how much money they are making off of this consumer scam. More XXXX from the banking industry, cheating consumers out of money to get our XXXX credit report.
Neither the company nor the collection agency would verify all of my debt. I also have been unsuccessful in attempts to reach both parties on separate occasions.
This account was opened XX/XX/XXXX.. I paid what I borrowed XXXX t interest 123.4 % total XXXX or more and this company posted this to my credit report on XX/XX/XXXX saying I ole XXXX and states is was opened XX/XX/XXXX! This is invalid information and needs to be removed of my credit report.. I tried to contact them several times for proof and no one has followed up with my request.
Performant Recovery Inc is trying to collect a student loan debt that is not mine. They have contacted me periodically over the years and each time I thought this issue was resolved because I have paid all of my student loans on time and in full. They are assigning a debt of a person who has a close name to mine but her middle name is XXXX. She was also born in XX/XX/XXXX which is far before my birth year. They are contacting me by mail as well as my cell phone. I also believe they are trying to phish for my social security number.
This address, XXXX XXXX XXXX XXXX, XXXX XXXX, in XXXX was on my credit report and was reported right around the time my license and social security card including my children social security cards were stolen, my things were stolen in XXXX. I have never in my life lived outside of Texas. Only XXXX, Texas and areas surrounding XXXX, Texas.
I had a credit card with Kohls, I was making monthly payments on my account that had a low balance strictly for the purpose of failing my credit scores, I got an alert on my FICO app saying my score dropped XXXX points because of a 30 day late payment, I had paid the balance the day before, apparently they were adding a {$37.00} a month fee because I was not paying on the exact dat, they did this for XX/XX/XXXX,XX/XX/XXXX, making my minimum payment not enough, not telling me this. I called an Kohls said there was nothing they could do, I canceled my card after paying a {$1.00} balance
Multiple people who I have known in the past have been called regards to a " legal claim '' and they state to them that the message should be considered as being " served '' I have never received any type of demand letter requesting me to pay anything. I spoke to " XXXX '' at Global One at XXXX