WillisBack/dataset-financial-user-claim huggingface dataset:
I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between ENHANCED RECOVERY COMPANY and myself, XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question. Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX, are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations. Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.
I have provided XXXX with a hard copy of an error that Bank of America agreed to correct. The states that I do not have any XXXX late payments on my account. The XXXX late payment is reported on my XXXX account for XX/XX/XXXX. I have furnished XXXX with written proof and they refuse to correct my credit report, this is causing me to not get approved for future credit. XXXX XXXX XXXX  have corrected this error, but XXXX refuse to do so. 

XXXX XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with BK OF AMER that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

ALERT DETAILS Febuary XXXX Account Dispute Modified Your original Dispute was Modified The dispute for the account with BK OF AMER that starts with XXXX was modified by an XXXX Disputes XXXX. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. 

ALERT DETAILS XX/XX/XXXX Account Dispute Update We have an update about your Account Dispute The dispute for the account with BK OF AMER that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with BK OF AMER that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view.
I requested a paper verification through the USPS because there are 3 debts on my credit report that I know nothing about. I never received the verification. I then contacted the company to request the verification verbally. 3 different reps stated that they would not send out another verification because company policy is that if the first verification sent out is returned to sender they will not send out another one. I advised her she could fax or email me the verification as well. She said they will not. I attemped to do a pay for delete so that way I can just get it off of my credit and they will not do that either. I need verification that they will not send to me. I advised I did not know about the debt and that I could not have signed anything since I don't live in NC. I haven't lived in NC since 2014. They will not send me out verification.
I have provided two written notices of dispute with Americollect. I have requested validation of the debt and this company has only provided a copy of charges. In have only disputed XXXX debt of {$61.00}, {$61.00} and {$120.00}. All three of these alleged debts show on my consumer credit report multiple times for the alleged accounts. The alleged debt for {$120.00} shows XXXX ( XXXX ) times for XXXX account. I have not been provided any documentation with my name, signature, or idenification to validate this debt. These debt are not mine and this company has not completed the proper investigation,
XXXX Inquiry from XX/XX/2017 There is no company information to dispute this inquiry on my credit report.
This company excessively calls my phone each day starting very early in the morning. After I deny their calls, another strange phone number usually calls me immediately after, and after that an Unknown phone number calls. Sometimes they leave voicemails saying who they are, and other times ( mainly when calling from the other numbers ) the voicemail is silent for about 0:13 seconds. 

I have contacted them on numerous occasions to notify them to not contact me. They leave voicemails saying they have my social security number on their desk and also say I need to return items deposited into my checking account or they will take further action. 

The calls are excessive and happen usually in batches of 3 every hour of the day. I cant be their only account so how do they find enough time each day to contact me so many times?
I went through a divorce XXXX years ago and right away listed my home because I was not able to make my payments on XXXX income. It is being listed as a short sale as my home is worth half of what I paid for it. I have had an offer on the table for XXXX months and the bank refuses to accept it. It takes them months to respond and they come back asking for more then it takes them more months to respond to the buyers counter offer. The buyer had not low balled, they have given a decent offer and the bank is still just sitting on it,. We have no other offers, no showings ( home is not in a great neighborhood ) I continue to up keep the property and pay utilities even though I am not living there. I filed a complaint with my senator and the bank claimed that I have not handed in all the paperwork. A complete lie. They have everything they need. My realtor has saved all documents that have been sent since the very beginning in 2012.XXXX years of this is absolutely ridiculous ... .we will lose these buyers and the house will sit and rot ( it would have already If I had not kept things up ) if the bank does not accept this fair offer now.
Due to the recent news that Equifax has had their data hacked, it is apparent that my information is part of the data breach. Equifax had a responsibility to protect my credit information and has failed to do so. As a result, I am now at a higher risk of identity theft and credit fraud. 

I have initiated a 90 day fraud alert and will be enrolling in ID theft protection.
The last payment on this account was XX/XX/XXXX.XXXX claim the last payment XX/XX/XXXX I wrote XXXX a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX at XXXX ext- XXXX and spoke with XXXX on XX/XX/XXXX at XXXX she advised me that XXXX XXXX do n't have the account. How can XXXX report to the credit bureaus the last payment but they cant send me the last payment identifier..
I recently disputed multiple items reporting on my credit file XX/XX/XXXX CASE # ( XXXX ). I have spoken with the Specialized Handling department that has handled this process on multiple occasions through out this process. I was very clearly told by multiple agents and supervisors ' within this department that any/all accounts that were to be removed from my credit file due to FRAUD would also include related inquiries to such accounts being permanently deleted as well. As of today, XXXX XXXX, I still have all of the inquiries currently reporting on my credit file. Actually, I am currently on the phone with the Specialized Handling department ( US ) and they have stated that even though the accounts that were removed from my credit file were deemed as fraud and subsequently removed accordingly, that they are unable to remove these inquiries respectively. This of course directly contradicts what I have been told up to this point as well as does not meet my rights with regard to the FCRA concerning fraudulent accounts and inquiries. I need for these inquiries to be removed as they were directly associated with accounts deemed as fraud and removed from my credit file. 

- XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX/XXXX/XXXX ( ACOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) - XXXX XXXX/XXXX/XXXX ( ACCOUNT REMOVED ) I am also wanting to dispute a few trade lines/accounts still showing on my credit file as FRAUDLUENT. The following is a breakdown : XXXX XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$1600.00} -XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$1800.00} XXXX XXXX - account # ( XXXX ) opened XXXX/XXXX/XXXX pymnt : {$2100.00} Does anyone not notice how odd it is that these accounts were opened under a different name and address in a 30 day span? These accounts were opened and closed within 2 weeks a part from each other. How does this not scream fraud? 

Lastly, I need for my current contact information to be updated on my credit file to read as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I received a letter from Citi Bank that I was enrolled in Balance Protector, an optional debt protection program, and was charged a monthly fee, and that I may be eligible for a refund. I moved and just received this information today which is XXXX. I called Citi Bank today and gave the CSR my reference number, and she stated that I had to respond by XXXX. I was one day late filing this claim ( because I moved ) and I feel they should let me submit this reference number to find out if I 'm eligible for any refunds.
Reported  XXXX   XXXX  to collections after already sending my apartment complex a check for the exact amount. I still have to check stub to proof I sent it. I got a call from   XXXX   XXXX    at   XXXX   XXXX   saying that it had already been paid by  XXXX   XXXX  and that they were going to distroy my check. I approved that and they said everything was complete and paid for!     Forward to abou t 6-7month  later when I received a message from a collection agency about an unpaid cleaning deposit. I stated that it had already been paid by  XXXX   XXXX  whom was responsible for the portion as stated on our move out conditions and terms and that I was in no way going to pay It. They stopped contacting me.     Now since  XXXX    XXXX   I get repeated calls early morning from the same number saying the same thing.     What is my next step to get this removed?
United Revenue Corporation has been provided my personal information and is using is without merit and authorization to report a medical collection on my credit report. I have requested multiple times to have this negative and unauthorized information removed from my credit report and been unsuccessful in getting United Revenue Corp to do so.
I received a letter in the mail from the credit bureau and the information in the letter is incorrect, it belongs under my cousins name not mine.
I submitted a complaint to XXXX, XXXX  and Equifax regarding several errors that I found while looking over my credit report. Under the FTC I can dispute all inaccurate information on my credit reports. Please remove XXXX # XXXX and XXXX XXXX # XXXX from my credit reports as the information provided by the creditors is inaccurate and misleading. After completing a prior investigation, Equifax agreed to remove XXXX # XXXX and XXXX XXXX # XXXX from my credit report. However, Equifax has failed to follow through on its promise as the accounts still remain. XXXX failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. Please remove XXXX # XXXX from my credit reports as the date of delinquent is misleading and incorrect. Additionally, this account should not have a reported balance. Please remove XXXX XXXX # XXXX from my credit reports. I have reached out to this company repeatedly and have received no response. The balance, date opened and the payment history is incorrect. The company is reporting payment history in XX/XX/2018 but this account should not have a balance. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. XXXX XXXX
-On XXXX/XXXX/XXXX ; XXXX XXXX insisted that I ( XXXX XXXX ) obtain financing through Wells Fargo Bank to pay for services- - I do not feel I made a sound decision about whether I needed or wanted these services- -We had called for a plumber to clear the back up in our toilet- -We found an ad behind the XXXX XXXX telephony book for drain cleaning @ $ XXXX -When XXXX XXXX  came to clear the drain ; they did so for free and told us it was not a sewer problem- -later they insisted we get an inspection completed to look at our sewer- -XXXX XXXX claimed I had cracks in my sewer -I was told by XXXX XXXX my home owners insurance would not cover the expenses and if the city found out about the cracks in my sewer they would charge me up to $ XXXX -XXXX XXXX offered to complete the work for $ XXXX -Out of fear & circumstances I consented but did not know what I was consenting to- -I am an elderly XXXX veteran ( XXXX XXXX ) & was made to sign many documents via a tablet ; I was unaware and confused of what I was signing- -I was made to receive a loan from XXXX XXXX through Wells Fargo Bank to pay for the plumbing services I am not certain I needed- -I am on a fixed income and a XXXX man- -The financing loan was for {$11000.00} and XXXX XXXX  was still charging up to {$22000.00} for the job- -Victim received a credit card with the Wells Fargo logo that has XXXX XXXX written across it-
Capital froze my account and requested verification. Ive sent ALL verification documents 3 tines but they refuse to unfreeze my account. I opened a case for this with the CFPB already but the case was closed with no change to my account. Previous case # XXXX
I disputed a fraudulent account that was also a breach of contract (company sold the debt and I never agreed to nor was informed of this) with Experian. Not even a week later they emailed me stating that the fraudulent account will remain on my account. I called a a couple days later requesting a copy of the dispute, what they told the company, and what the company said and they claimed their terms of service does not allow them to do that. I called XXXX and XXXX and they both said yes they would give me that information if the case was not open, so I do not see why Experian would refuse me access to information that is vital to my credit and is part of my file which is mine to look at whenever I choose. I asked to speak to a supervisor and the rep argued with me until finally giving in. I was on hold for over 15 minutes when someone picked the phone up and hung up.
Experian is reporting the credit limit, past due amount and high balance of this account XXXX/XXXX wrong, since this is inaccurate reporting please remove it from my credit report.
This is the second emailed letter to Navient asking for their review and assistance. I recently requested the paperwork showing my signature for the loan consolidation only to show that it was electronically signed ( paper copy given from Navient ). I have been paying this loan consolidation since XXXX/XXXX/XXXX starting amount was {$49000.00} and through payments over the last 9 years I have paid {$40000.00}. Your website says that I still owe at this time XXXX. you will notice from a review of my account that I have paid more that the minimum for years. I am requesting a review of my account as I feel that Navient is not acting in the bounds of federal loan guidelines and will be reporting my case to the US Consumers Financial Protection Bureau as well as other Government agencies for deceptive practices.
Credit Bureaus told me that XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments to verify what they say is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
I was behind on my loan and BMW contacted me and said that I needed to make a payment through XXXX XXXX or my car was at risk of repossession. Their employee XXXX XXXX specifically said that once I made the payment through XXXX XXXX that they would not take any further collection activity. I made the payment as requested through XXXX payments using XXXX XXXX on XXXX XXXX and XXXX XXXX and provided my account number to XXXX XXXX using Urgent Delivery in a service that is advertised as the receiving party getting the money in minutes. On XXXX XXXX BMW repossessed my car in complete contradiction of what their collections agent told me. I have requested a detailed account history from them through certified mail and through their secure e-mail service and through their call center and they will not provide the information I am requesting. The forms they sent me during the repossession did not include the information that was required by law and the amounts listed did n't match information on statements. The frequently changed the terms giving me 20 days or 14 days to pay the balance in full or make arrangements. Their agents frequently hang up on you when you try to ask questions and they claim they are not allowed to call you back because they only accept inbound calls.
My compliant is about Experian. I have tried many times to contact them by phone to remove an existing dispute from my credit. I have called at least 6 different phone numbers and none give the option to reach a person. I believe this company is actively trying to avoid speaking with consumers. I was able to reach XXXX and XXXX within 20 minutes and resolved my issue but Experian seems to want to avoid speaking with consumers and I believe this is abuse and neglect. My issue CAN NOT be resolved with an automated system, but I believe they are not interested in allowing someone to speak with me unless I sign up for the credit services.
I may be posting this feedback in the wrong place, but I did n't know where else to go. This complaint is about MOHELA, n ot  XXXX .     A couple of years ago I reached out to Mohela for clarity on how my payments were being applied. I was confidently told the way my payments were being applied was correct and nothing else could be done. I was payi  ng ( a small amount ) over my bill and wanted the additional money applied to my principle. I was told my accrued interest had to be satisfied before I could make additional payments to the principle. Fair enough, however every month the additional money I sent was applied to future payments. The way I understood it, all of the additional money should have gone to my interest, or per my request, my principle. The whole thing was so confusing I did n't pursue it further.
Fast-forward to present, I 've apparently paid off my accrued interest and now -- because of the additional money I pay every month -- I 'm 4 months ahead on my payments. I just called to again ask that any $ over the monthly bill is applied to my principle. Mysteriously the first call was disconnected. The 2nd time I called the man tried to tell me it was ok. All the money was going to my account, it was just being applied in the future AND the principle. Fortunately I 've become a little more persistent over the years so I again explained that I did n't want the additional monthly $ applied to future payments, I want it all applied to my principle the month I send it, and I want a full bill every month, not a smaller bill every month because my overage is being applied to the future.       The man  (  XXXX  ) told  me he had to put me on hold. I was on hold for less than a minute at which point he came back and said I 'd have to send a letter  ( either   through the mail or their site ) stating that I want to " permanently remove paid ahead status ''. He told me if I did n't explicitly say " permanently '', my account would eventually default to applying the additional money to the future.     So all in all I think my issue is resolved but I 'm very frustrated that I did n't get helpful information the first time I called a few years ago. I have t o imagine I ' m literally paying for the bad/lack of information.
XXXX credit reporting is reporting erroneous information after disputing them, they will not remove an closed account that's paid in full.
the Credit Reporting Agencies are showing a judgement for treatment at hospital. I have NEVER been treated at XXXX 's XXXX XXXX ( Hospital ) and I provided them with evidence to proving that the debt does not belong to me. I pay my bills on time and have good credit other than this judgement. I need the CFBP to assist me to get this off my credit, it 's a terrible that the Credit Reporting Agency are allowed to report information that WRONG. They should not be allowed to have such a terrible impact on Responsible Consumer lives. I am relying on the CFBP to assist me to get this resolved. 
Thank you in advance for your assistance.
Bureau is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not ; so I am filing this complaint against them for unfair credit reporting.