WillisBack/dataset-financial-user-claim huggingface dataset:
This letter is regarding an account, which you claim I owe {$94.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
I received multiple calls and have confirmed my address and the company will not send me a copy of the medical debt as I have not been able to validated. date
Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by XXXX XXXX to the credit bureaus. XXXX XXXX said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, XXXX XXXX refuses to remove the negative information off my credit reports.
Two years ago, XXXX overcharged me for internet access. I called them and complained, they apologized and said they would fix it, but did n't. We repeated this process each month for a few months, with me paying what I actually owed, and XXXX charging late fees on money I did n't owe in the first place, until I canceled my service and reported them to the Missouri state attorney general 's office. They actually owed me about {$7.00}, but instead they sold my erroneous " debt '' of about {$180.00} to a collection agency who then sold it to another collection agency. Now I get robo-calls XXXX a day to my cell phone from the number XXXX. They sometimes leave a message, but usually do n't, and when I do answer it is a recording.
this account should not have any negatives ( late payments ) i have even received a letter from the creditor for which they have approved of this being ok to be removed. 
please help me to remove this negative from experian credit reporting agencies thank you letter attached
On XX/XX/2018 I hired a credit consultant to handle this for my behalf. My credit consultant has been trying to reach them since XX/XX/2018 regarding this XXXX XXXX XXXX judgement. They never reached back to her in order to try to resolve this matter. I am concerned that they are not professional in the services they provide. I would like an investigation regarding this attorney 's office. I would like for them to contact XXXX XXXX at XXXX in order to discuss options in resolving this debt.
XXXX XXXX XXXX is still reporting this fraudulent account to Equifax but had deleted from XXXX, XXXX! I have mailed XXXX XXXX a notarized FTC affidavit XX/XX/2018 but they keep mailing questionnaire and Im not filling it out because you will not get my information or signature on this fraudulent account or receive my personal information! I have faxed the FTC report to Equifax and they told me XXXX XXXX is still reporting this fraudulent account and Equifax is allowing it! This fraudulent account better be off my Reports or I will file small claims and file a complaint to the state attorney general on Equifax and XXXX XXXX! XXXX has deleted this fraudulent account off of XXXX  and XXXX  but is still reporting to Equifax!!
I have sent in a dispute to TransUnion concerning the inaccurate reporting of accounts of my credit report and i have not received back any correspondence. The items listed on my credit report where discharged in a bankruptcy. XXXX XXXX # XXXX. XXXX XXXX # XXXX Bal {$5700.00}. this account was not properly updated. XXXX XXXX # XXXX Bal {$550.00} discharged in a Bankruptcy not properly updated. There have been several complaints and no feedback whatsoever so now I am officially filing a complaint with the Bureau of Consumer Financial XXXX.
I had a bank account with bank of America in California, I was starting a business, I had investors for funds, the investors supplied money for the business to get under way. The bank of America froze my account and I called the bank when I found out no funds were available and I knew funds were in the account the bank is saying that this was not my money in the account and this is why we froze your account. I have the sum of {$1700.00} due me from the bank of America and went to the bank today to resolve this matter they refused still to pay me my money. I received today a letter from the state of California State Controllers office stating the funds If I do not get from the bank of America by XX/XX/2018 the business is required by law to send the funds to the state controllers office ( SCO ) and can be claimed by me there. I tried to resolve this today XX/XX/2018 but the bank of America still refuses to send the funds or pay me the money due me
I disputed a fraudulent transaction with Regions Bank. Dispute me filing an affidavit and them closing my card due to fraud they deemed the charges valid without ever contacting the merchant where the fraud occurred. I was charged two ( 2 ) times that I did not authorize after doing business with the merchant months earlier for a completely different amount.
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX XXXX : I am no longer liable for this account. XXXX XXXX XXXX : I am no longer liable for this account. XXXX XXXX XXXXXXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account.
I sent them a police report case # XXXX confirming ID theft that has continued from XXXX ID theft ( or a new case of ID theft ). With items that did not belong to me. They did remove some items, but have not removed all items. I also sent them copy of bankruptcy papers from XXXX County courthouse advising the XXXX bankruptcy was dismissed at the fault of attorney ( and the judge noted in documentation i sent to them advising the attorney was at fault why bankruptcy case # XXXX was dismissed. The XXXX bankruptcy case # XXXX that showed filed by me XXXX/XXXX/XXXX ( WAS NOT FILED BY ME ) and in fact by the attorney ( I NEVER CONSENTED TO THE XXXX CASE FILED ). PLUS I SENT THEM COPY OF BANKRUPTCY FILE THAT STATES THE JUDGE ADVISED AND SCOLDED ATTORNEY FOR FILING A XXXX BANKRUPTCY WITHIN 180 DAYS ( WHICH BROKE BANKRUPTCY LAWS AND RULES OF THE 180DAY RULE FOR FILING BANKRUPTCY IN FLORIDA ) THE BANKRUPTCY PAPERWORK FURTHER STATED THAT THE JUDGE SUBJECTED THE ATTORNEY TO A " SHOW CAUSE HEARING '' IN REGARDS TO THE CASE IN WHY HE SHOULD NOT IMPOSE FINES AND/OR INCLUDING REVOKING ATTORNEY 'S LICENSE WHICH PROVED I NEVER CONSENTED TO XXXX BANKRUPTCY AND THAT SHOULD HAVE BEEN EASY TO VERIFY GOING ALSO ALONG WITH BANKRUPTCY LAWS FOR FLORIDA STATING THAT A XXXX BANKRUPTCY CANT BE FILED WITHIN 180DAYS FROM ONE ANOTHER. EQUIFAX ACTUALLY REMOVED THE XXXX BANKRUPTCY AND FOR SOME REASON ADDED IT BACK FEW MONTHS LATER WITH NO EXPLANATION AS TO WHY, NEITHER OF THEM SHOULD NOT BE ON MY CREDIT REPORT. I ALSO SENT NOTORIZED LETTER IN XX/XX/XXXX IN WHICH I ASKED UNDER FRCA SECTION 609 FOR THEM TO PROVIDE ME AN ORIGINAL CONTRACTS BEARING MY SIGNATURE OR DELETE AND THEY REFUSED TO DO SO. WHEN YOU CALL YOU SPEAK WITH SOMEONE IN XXXX WHO TRANSFERS YOU ALL OVER THE PLACE OR EITHER DISCONNECTS THE CALL.
I filed a compliant with CFPB about unsolicited mail previously ( CFPB Case No : XXXX ). Now Capital One has responded indicating they shared my information with Kohls and Saks without my permission. They offer a 3 removal not the permanent removal under standard credit bureau rules.

I find a 3 year removal unacceptable and unsatisfactory. I REQUIRE a permanent removal, furthermore my information was shared with 3rd parties ( Kohls & Saks ) according to their letter without my permission. If they contact me, I will take it as a violation of affiliate sharing laws and file another compliant both based on those grounds at the State and Federal level. I don't believe that Capital One " abides by all applicable laws and regulations ''. Personal information shared without a privacy notification or an existing relationship per affiliate sharing guidelines. If this is not resolved I will start looking for leaders that work for Capital One on XXXX and start contacting them with this issue and response letter. Then as I indicated previously, I will file a series of complaints against Capital One, Kohls and Saks. I will attach this original letter and compliant with the unsolicited mailer. I will make sure that Kohls and Saks are aware that my information was shared without my permission when filing the complaints by Capital One. I will continue aggressively pursue action against Capital One until my name is removed permanently and not shared with 3rd parties. No, not removed permanently. Personal information shared without a privacy notification or an existing relationship per affiliate sharing guidelines.
XX/XX/XXXX I agreed to pay full amount on or before XX/XX/XXXX XX/XX/XXXX XXXX began updating with bureaus as payment is past due XX/XX/XXXX account paid in full by me XX/XX/XXXX Called company to confirm XX/XX/XXXX Disputed amount on credit report XX/XX/XXXX-current company still continues to update the debt at different amounts to each bureau XXXX to all bureaus
my complaint has to do with XXXX XXXX XXXX,  who collected on a debt owed to XXXX XXXX XXXX. I got in contact with midland credit in XX/XX/2018 to discuss this matter and arrange a settlement and set up payment plans. A XXXX   XXXX  account manager XXXX XXXX agreed to the terms and told me that once the settlement was paid the account it would go to a XXXX  balance and be taken off my credit report. on XX/XX/2018 I made the last payment of XXXX which was the agreed last payment on the account. XXXX XXXX has not keep their end of the deal and the account is not only still on my credit but, refuses to send me in writing that the account is paid. Ive spoke with the account manager XXXX XXXX on numerous occasions and called the compliance office at XXXX ext XXXX and talked to XXXX XXXX who also refused to send me in writing the account is a XXXX balance and that it would come off my credit report. The date of the last payment was XX/XX/2018 it is now XX/XX/2018 and the account is still on my three credit reports and being verified as accurate with a remaining balance that I do not owe.
On XX/XX/XXXX, my XXXX XXXX XXXX was charged {$6400.00} by XXXX XXXX without my knowledge or authorization. I did not supply XXXX XXXX with my credit card number, nor did I receive any goods or services from them. 
Dispute : Fraudulent Charge of {$6400.00} on my XXXX XXXX/XXXX XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. 
This card was only used at XXXX XXXX store and gas stations. There was never a transaction for an amount greater than {$1000.00}. This charge was not authorized by card holders and the card number XXXX, now changed to XXXX was never given to merchant. XXXX XXXX is the primary card holder and XXXX XXXX an authorized user, who has been removed from the account XX/XX/XXXX. 
XXXX XXXX now holds XXXX XXXX for {$6400.00} as well as XXXX XXXX for {$6400.00}. 

The charge was completely fraudulent
Transaction as Credit of {$3000.00}, which never was placed back into my account from XX/XX/2018 claim # XXXX. On XX/XX/2018 transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XX/XX/2018 @ XXXX XXXX she gave me the same claim number for another transaction dispute done on XX/XX/2018 in the amount of {$3000.00}, for XXXX again. I called XXXX   on XX/XX/2018 spoke with XXXX  and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX  placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XX/XX/2018 for an temporary credit adjustment for claim # XXXX, but was not issued on XX/XX/2018 into my account
I contacted Aspen National Collection about a collection account that appeared on my credit report on XX/XX/2017. I never validated the account but the agent was insistent on saying it was my account. He could n't give me the account number. The amount on my credit report ( he said ) was different than what he had, but he would n't give me that amount. This is for maintenance fees.
Currently, my loan is being serviced by Ocwen Loan Servicing , LLC . I obtained this mortgage prior to XX/XX/XXXX. I tried several attempts to qualify for a loan modification but recently my circumstances changed because my husband and I decided to file for a divorce and I do not make the same income as I use to. Next, I decided to list my property for a short-sale and found an approved buyer for my property. I completed the XXXX request for relocation assistance and became aware that any short-sale that closes after XXXX XXXX, XXXX and its was the homeowners primary and only residence, that the would be entitled to the {$10000.00}. I went on the Making Home Affordable website to confirm this and saw that I meet all of the criteria to be eligible for the XXXX funds. The website states the following : You may be eligible for HAMP if you meet the following criteria : Because of a financial hardship, you are struggliing to make your mortgage payments. 
You are delinquent or in danger of falling behind on your mortgage. 
You obtained your mortgage on or before XX/XX/XXXX. 
Your property has not been condemned. 
You owe up to {$720000.00} on your primary residence or XXXX unit rental property ( loan limits are higher for XXXX to XXXX-unit properties ). 
You have not been convicted within the last 10 years of a crime in connection with a mortgage or real estate transaction. 

However, Ocwen is now stating that if there is a scheduled sale date within 60 days, that the homeowner is no longer allowed to receive the {$10000.00} and any government assistance. We have been working with this qualified Buyer since XX/XX/XXXX and we submitted all documents timely ( within 90 days of the sale date ). Now, Ocwen is denying me consideration of the XXXX funds even though they had a completed package more than 80 days from the sale-date. I spoke with other lenders and this is not the case. I believe that Ocwen is not only doing this to me but also doing this to numerous homeowners who really need government assistance which is what the program was designed for. I am requesting for the Consumer Financial Protection Bureau to seriously investigate the current practices of Ocwen because I believe they are in breach of helping struggling howeowners who legitimately need assistance. Thank you for you time to help assist with this matter.
I was seen at XXXX XXXX Hospital for XXXX ( mind you I had been released from XXXX XXXX hospital from an XXXX ) and released that same day. I did not have my medical card with me at the time of service. I had emergency medical which cover all my emergency visits. I did submit my medial card to the billing department about 3 days later. I was told by someone at the billing department they have received it. 4 years later I check my credit report and turns out I owe a balance of XXXX. I had just became a resident of the U.S and received my social security card and like everyone I wanted to start building my credit. Unfortunately, I could n't because of this issue in my credit report. This has been done fraudulent because I did have insurance at the time of service and I did submit proof of medical in a timely manner. I need this to be investigated and removed from my account. Also, Grant and Weber ( collection agency ) have added my wife XXXX XXXX onto this account. My wife is not liable nor responsible for this debt, she needs to be removed. They have requested a fraudulent inquiry on her credit report.
Applied a credit card for common use and travel reward through XXXX XXXX  to Barclays bank. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.
The previous complaint has not been addressed, us bank home mortgage violated the terms of the loan agreement when they paid county taxes in error. This was us banks error and came about because of the negligence of their employees. This problem has been ongoing since XX/XX/XXXX when I discovered my bank account had been XXXX for an additional {$170.00} beyond the payment of XXXX that was electronically withdrawn monthly. Us bank refused to return my XXXX and I closed the accounts at their bank. I continued to make mortgage payments, while attempting to resolve this matter with us banks complaint department. While this process was in motion I discovered several months later that us bank had set up suspense accounts and escrow accounts and redirected money from the monthly mortgage payments into these accounts to satisfy their original sin XX/XX/XXXX. My mortgage agreement is very clear concerning the payment of county taxes. I paid my taxes and the letter from XXXX XXXX XX/XX/XXXX states that. I have requested this document from XXXX XXXX be review by us bank since this problem was discovered. The last response sent from us bank states this document has been purged from their systems ( attached ). The letter from XXXX XXXX ( attached ) as well. Your bank offers 5 star service, yet fails to contact the customer when errors are made by Us bank which result in serious financial difficulty to your customers. Then after years of denying reasonability you state it was an " error '', " XXXX XXXX no longer works for the company '', " that letter is no longer retained by Us bank and has been purged from our system ''. Us bank paid taxes that were not due, us bank violated the loan agreement ; us bank mislead the CFPB with previous responses see attachments!
Dear CFPB! 
Due to Wells Fargo bank relentless fraud and lies I once again respectfully request you to open and INVESTIGATE Wells Fargo bank XXXX conduct and XXXX Court practices against me. Wells Fargo bank was repeatedly stonewalled behind the backs of certain corrupt judges who not only blatantly committed fraud upon the Court and trespassed all applicable laws, but in my situation even concealed material evidence from the case records. As the result, Wells Fargo bank continues to lie and defraud customers as usual. On XXXX XXXX, XXXX Wells Fargo bank lawyers filed a foreclosure complaint against me where their lawyers lied to the Court that MERS was a mortgagee for my loan, while MERS was not a mortgagee. All documents in support were forged and robo-signed. Service of process and all Notices were done on a wrong address - unit # XXXX while my unit is # XXXX. On XXXX XXXX, XXXX Wells Fargo informed me that my loan is " moving toward foreclosure ''. All my attempts to get any explanations from XXXX XXXX bank resulted in a binder-worth of runarounds where Wells Fargo employees lied to me that they need more time to research. See attached evidence. Wells Fargo lawyers recorded Deed on my property on XXXX XXXX, XXXX while my foreclosure was still pending in the Court. I have all reasons to believe that Wells Fargo bank sold my foreclosure to foreign investors on The XXXX XXXX exchange market where WF launder money from criminally extorted properties. On XXXX XXXX, XXXX Wells Fargo bank lawyers for a first time presented certain documents which they claimed as " original ''. Copies of those documents were never provided to me because the judge who handled my foreclosure criminally concealed them from the case records to defraud Higher Courts. As of today nobody saw those documents and Wells Fargo bank and its lawyers repeatedly refuse to provide them to me. Moreover, on XXXX XXXX, XXXX Wells Fargo sold my property to a third party buyer whom they defrauded about their legit property rights. But on XXXX XXXX, XXXX Wells Fargo employee XXXX XXXX mailed me a letter where she lied that " more time is needed to complete research ''. I received exactly the same letters on XXXX XXXX, XXXX from WF employee XXXX XXXX ; on XXXX XXXX, XXXX from XXXX XXXX ; on XXXX XXXX, XXXX from XXXX XXXX, in addition to a binder-worth runarounds from XXXX to present time, more than XXXX letters in XXXX alone. 
I request your Agency to ORDER Wells Fargo bank response to my inquiry and ORDER them to provide me copies of all documents related to my mortgage with XXXX, prove that MERS was a mortgagee and had a legal right to transfer its interest into a legally defunct XXXX XXXX XXXX ; and copies of purportedly " original '' documents which Wells Fargo brought to the Court on XXXX XXXX, XXXX and which were never filed in my foreclosure case and never given for my records. 
I demand to stop Wells Fargo bank relentless lies to customers, and place appropriate sanctions for their foreclosures racket, fraud upon the Court and money laundering business. 
Sincerely, XXXX XXXX
Company closed all six of my accounts with Comenity Bank. Comenity requested verification documents from me and I replied. I sent requested documents twice to the company and yet my accounts were still closed.
I have been working with my creditor XXXX credit union regarding my credit card account showing that i am 60 days late. They have sent documentation as well as tried to correct the mistakes on my credit report. I have also sent in this information and the credit agency continues to report the late payments. They have prevented me from getting housing because these late payments are showing incorrectly, and they will not accept the documentation that myself and the creditor are trying to submit. My next step is to sue the agency because they will not correct this information and this documentation has been submitted to them on numerous occasions since XXXX.