WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir/Madam : Starting XX/XX/2018, I have wrote several letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.

Items : 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 CHILDSUPPORT 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  Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : any actual damages I sustain by you failure to delete the item ; punitive damages as the court may allow ; and costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission.
Loans went into repayment in XXXX 2016. Every penny of monthly payment has been applied to interest, nothing to principal. I will never get this paid off through income based repayment if nothing is put towards principal.
Bank of America is showing up on my credit reports. It is not my account it belongs to my wife. This account is showing a balance even though, with a scheduled payment due even after I filled for Bankruptcy and was discharged. I filled a dispute on XX/XX/2018. It has now been over 60 days and this company fails to properly correct my reports.
I do n't understand why 745 cash texts me after hours. Yes I 'm a month behind but do they have the right to text my phone. Could n't they text me.the next morning? I thought that was so disrespectful. I 'm going to pay them Tuesday and after that I do n't want anything to do with them if they gone text me at XXXX!!!!!!
Dear CFPB,

I'm contacting you to file a complaint against the XXXX XXXX program card (you can spend the points you accumulate at certain stores like XXXX or XXXX,...) in where I lost ~$XXXX  worth in their point system on XX/XX/2017 due to identity fraud of someone posing to be me (it was obvious fraud because of differing geolocation from where I live) and spending all my XXXX points  in a shopping spree worth $XXXX ($XXXX at XXXX plus $XXXX at XXXX ).


What frustrates me is that XXXX XXXX does nothing about it despite contacting them over 20 times.

Every time I call/email their customer support (I have multiple case numbers recorded) to try to get my points back or at least something resolved, you can tell the customer support representative is going through a memorized script and I can never escalate to a supervisor because they are always "out". They then always proceed to end the call promising that they will call back which they never do- even when I asked them to be specific about the time and day. Every time I call, I always get a different CSR and my case is somehow still on square one despite it being over 5 months "pending".  Below is an example of an email where they give false escalation and time period to when they will contact you back which is never:



---------- Forwarded message ----------
From: 
Date: Sat, XX/XX/2017 at XX/XX/XXXX XXXX
Subject: Resolution for your missing points claim:XXXX 
Thank you for having contacted XXXX.

Regarding your XXXX points dispute, we are aware that you have spoken with us various times. We have escalated this to a higher level with the XXXX Special Team. Please allow us 5 to 7 more  business days to provide you with a final resolution.

We know these points are important to you and apologize for the delay. For your convenience, you can track your points and view your account summary online at XXXX or on your mobile app.

Sincerely,
The XXXX Service Team

-----------------------------------------------------------
XXXX: XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX
-------------------------------------------------------------------------------------------------------------



What makes this even worse is their system security is so poor that, even though I changed my PIN number and got a new XXXX card the next day the identity fraud happened (XX/XX/2017), I got hacked again on XX/XX/2017  saying I  used the XXXX  points I've started accumulating again [not the XXXX points (equivalence of $XXXX) that were lost the first time].

I'm writing to you because this is very frustrating to me in lost money ($XXXX), time (over 5 months), and identity (twice taken) and that XXXX XXXX card is not responding in any way to correct this. I honestly do not think I'm the only disgruntled customer at XXXX XXXX card and that there is something fishy going on with this "rewards program card".  See more horrific complaints on their XXXX page: XXXX

Here is XXXX Rewards website to give you context of what it is: XXXX 
I'd be more than grateful if CFPB could get to the bottom of this.

Sincerely,
XXXX   XXXX   XXXX  changed the terms of a joint loan after my divorce and martial settlement agreement with ex-spouse. This company is reporting a charge off and bad debit on my credit report. They settlement agreement was made only with  XXXX   XXXX  ( ex-spouse ) is solely responsible for the car loan and the only  one  in possession of the car. Attached are copies of my martial settlement agreement and divorce decree. I would like all  XXXX  credit bureaus to remove this bad debt. The original terms of the loan are now changed and I was not inform in writing or by phone.  XXXX  is solely responsible for the new contract and terms of this car loan.
I pulled a copy of my credit report on XXXX/XXXX/2016 and the address listed for XXXX XXXX XXXX, was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. This address is incorrect ( I sent a certified letter to that address and it was returned to me " Not deliverable as addressed '' ). I sent this information to the Credit Bureau and asked for removal of this account from my credit report due to inaccurate information. On XXXX/XXXX/2016 I pulled my credit report again and the Credit Bureau did not delete this from my credit file, they only changed the address.
Someone got my information and opened up lots of accounts in my name.XXXX, XXXX, XXXX XXXX
I wired {$10000.00} to Coinbase on XX/XX/XXXX and the funds have yet to clear my trading account as of XX/XX/XXXX. The XXXX website reads that wires clear within one business day. I have gone through the online support method twice with no repsonse and have called to discover that there is not support for these matters over the phone.
I was charged an overdraft fee when my account was not overdrawn. I went into the bank yesterday to ask if they would reimburse it and the banker was very arrogant, started yelling and making false statements about the account, and now, today the ban has called and wants to force my accounts closed. They are joint accounts in mine and my husbands name, and he did not say a word to them. I was the one who tried to resolve the problem about the overdraft fee. We do not want our accounts closed as we both have direct deposit and also have our home mortgage with this bank. Please help as I have done nothing wrong.
I have a Bluebird prepaid debit card with American Express. On Tuesday XX/XX/2018 I received an email stating that I needed to verify my account or that it would be deactivated. On Wednesday XX/XX/2018 I had a scheduled direct deposit of my paycheck going to the card, which indeed posted, however only minutes later, someone assumed my account and made 2 unauthorized money transfers to someone named XXXX XXXX. The first was in the amount of {$47.00} ( XXXX ), the 2nd transfer was for {$1000.00} ( XXXX ). This left my family with {$0.00} total - I immediately in less than an hour contacted American Express upon receiving the email notifications of these sent money transfers, however they stated that the money was already gone. They opened the fraud claim investigation. I filed a police report with XXXX XXXX police department in XXXX SC. Friday night XX/XX/18 they emailed me stating that my claim was denied because the transfers were authorized. I insisted and they reopend the investigation, per their own policy they state that they may take up to 45 days to conduct their investigation, however a provisional credit will be issued if it exceeds the 10th day, and that I would have been made aware of the progress being made, and I've heard nor seen anything and the 10th day was on XX/XX/2018. I forwarded them the screen shots of the emails that are still actively coming to me to " verify '' my account as well as gave them information pertaining to where the police report was filed at,.
I spent the last 10 years working for the XXXX XXXX, XXXX XXXX and making on time payments to my loan. When I called to find out about my loans be absolved because of that reason I was told that my loan wasn't the right type of loan. That's how I was left. They redid my loan payments but that's all. 

Extremely frustrating and unfair that I wasn't told that 10 years ago.
I am currently in the Deed-in-Lieu process with Ocwen. My hardship paperwork has been in their possession for a full 9 months ( since XX/XX/2016 ). The process has been incredibly slow but now we are absolutely stuck because they can not find the assignment of mortgage. Without the assignment of mortgage, they can not complete the deed-in-lieu documents. And without the assignment of mortgage, it 's unlikely I can move the property out of my possession through a short sale either so I 'm stuck with very few alternatives.
My home was forclosed on by Caliber Homes who bought my mortgage from XXXX in forclosure. I feel it was a stealth forclosure.
In XX/XX/2016 I requested help ( loan modification ) through the HARP program with my mortgage company, Ditech. The modification they did did not help at all. It did not lower my payment or interest rate. All they did was add 10 years to the life of the loan. Now, instead of a 30-year loan I have a 40-year loan. NOTHING else changed. In what universe is that a modification?

I just thought that was the best Id get until the monthly payment was really becoming a very serious problem. Ditech just advised me to sell the house an move on, so I hired XXXX. They did their best, but Im now told that Ditech has stood firm and that their stance is that Ive already had a loan modification and am not entitled to another.

Is there anything else that can be done? Is this action even legal under HARP?
I Am XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX -My SS # is *********** - DOB - XXXX XXXX -On XXXX, Paypal Notified me that they were TERMINATED MY DEBIT CARD FOR NO REASON, A VILATION OF COMAONY POLICY ( THERE IS NONE ) after 17 Years and I have paid XXXX in fees to them for processing my payments, I have NO UNSOVED DISPUTES AND THEY LISTED XXXX -all of which I refunded after I found out they were CONVITED CRIMINALS - COmoany Policy, I am a 10 Year XXXX XXXX and XXXX int he Texas Secreatry of XXXX - I also have a Texas Credit Organazation XXXX and XXXX Texas Insurance Licence XXXX XXXX XXXX Financial Analysist and CFPB- - My XXXX as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - It is my Tax Attorney Address XXXX Coffin Atty, XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - Pay Pal Tells me that they are going to HOLD MY XXXX for 6 Months - When I have done nothing but been a loyal Client and a Tax Payer - This is Fraud and the TExas Attorney General said it is DECETIVE TRADE, FRAUD AND THEFT - I have reported this to them and local police, XXXX XXXX POLICE DEPARTMENT, XXXX TX XXXX. My attorney tells me to see them immediately, for lost Income, Fraud and Deceptive trade. 
I demand my fund back and have given them 3 days to do so, they state in an email only that they will NOT until they please. Under Texas Law and Federal Law this is NOT A bank and I owe them nothing and have NO LIABILITY - I want my fund returned to my CORPRATION IMMEDIATELY - MY EN # IS XXXX, XXXX XXXX XXXX - I have copied XXXX people at Pay Pal and their Board of Directors -I ma seeking Criminal charges as well as civil charges - Please do your due diligence and return my funs as I am XXXX - I have reported this to all the News Channels, Written XXXX XXXX PERSONALLY and President Obama XXXX PAYPAL HAS XXXX of complaints and the CFPB IS LETTING THEM OPERATE - SEEMS to me We should be suing you -Please help me accomplich putting these people out of business -My Card # is **************** exp XX/XX/XXXXMy attorney is XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX : XXXX XXXX ) XXXX hard to beleive after 17 years they would hold XXXX and have a attitude like I have done something wrong - A XXXX man that the GOVERNMENT FINALLY APPROVED XXXX AND I TURNED DOWN - I lost my mom on XXXX XXXX, XX/XX/XXXX - and she told me NOT TO POAY THE GOV, keep all cash that there are nothing but crroks - She was XXXX, had XXXX Siblings - XXXX nephew is XXXX XXXX, XXXX XXXX, he states it is simple theft, Fraud and Deceptive Trade- SUE THEM and give them to the CFPB that he would call XXXX XXXX - the XXXX is XXXX XXXX, XXXX XXXX and US XXXX MAGISTRATE northern XXXX of Mississippi - XXXX - He too said he would call XXXX the Governor of Texas -. 

I await your reply and thank you -I have done work for the Affordable XXXX XXXX XXXX a consultant and its hard to belelive this could really happen -My XXXX XXXX XXXX TX XXXX
The persons in the office does n't communicate when calling customers to ask them when they will be in to pay. The keep calling several times a day everywhere and anytime during the day. They also do n't give you chance to respond back to them and after responding there is another person who still calls the same way. Lack of communication inside the office.
Following our application with Quicken Loans XXXX XXXX, XXXX # XXXX with Quicken Loans on XXXX/XXXX/2016 originally told us and sent over disclosures confirming our rate was locked in at 3.875 % with XXXX points. On XXXX/XXXX/2016 Quicken Loans provided us a " Re-disclosure '' package in this package our rate is now showing 3.875 % with XXXX points. XXXX Loans/XXXX XXXX need to honor our previously agreed upon rate lock.
In XX/XX/XXXXI received a Loan from Santander Bank for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was XXXX by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with Santander to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with Santander because I had GAP insurance, they were contacting Santander but Santander did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time. 
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and Santander would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere. 
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
complaint on Synchrony Bank XXXX Synchrony bank has committed fraud by saying that they transferred {$6000.00} to my account at XXXX XXXX XXXX. 

On XX/XX/2017, I made XXXX transfers from XXXX XXXX XXXX to Synchrony Bank in the amounts of {$5500.00} and {$6000.00}. On XX/XX/2017, I sent an email asking Synchrony Bank to cancel the transfer. In the interim I tried to transfer the money back myself however, I was contacted by email and told that Synchrony Bank had cancelled my transfer request but it was the wrong one! They did not even look at the time line. Instead of cancelling the transfer that I requested from XXXX XXXX XXXX, they cancelled the transfer from Synchrony. Then they put a " Restriction '' on my account holding ALL of my money hostage. I have made more than a reasonable amount of phone calls to Synchrony bank with no resolution and no money either. 
In these phone calls I asked that the money be sent back to XXXX XXXX XXXX. They transferred back {$5500.00} and said that they also transferred back {$6000.00} and that it would take 3 - 4 business days to get those funds back, this was on XX/XX/XXXX and XX/XX/XXXX. 
I got the {$5500.00} back into my account with XXXX XXXX XXXX but not the {$6000.00}. I have spent days and hours speaking with managers at Synchrony Bank who say that the funds were sent to XXXX XXXX XXXX and that there is nothing they can do. They gave me a trace number ( see below ) and told me to give that to XXXX XXXX XXXX. When I did, XXXX XXXX XXXX said that they have no idea what that number is. I was told that the {$6000.00} was never transferred into my account. 
I have been given the run around by both Synchrony and XXXX XXXX XXXX telling me that the issue needs to be taken up with one or the other. In my opinion, the responsibility lies with Synchrony Bank. They have done nothing but mess up my account and attempted contacts with them from the beginning. 
The " trace number '' they gave me is XXXX. Today is the 5th business day and I do not have my money ( {$6000.00} ) in my account at XXXX XXXX XXXX. 
I spoke with a manager XXXX at extension XXXX. She told me she would call me back in an hour. When I called back after leaving 3 messages with her I was told that when she tried to call me back my phone was disconnected. Interesting since my phone has not been disconnected and it is the same number I 've been calling them from. 
I was given another managers name and phone number and was told to wait another day. That will be 6 business days without my money because of Synchrony Bank.
The letters which were sent to the company were requests of HIPPA validation, I am requiring that the company XXXX provider HIPPA consent that stated I acknowledged and advised the hospital to send over my medical information to them company. I have yet to receive a response to any of my requests for XXXX validation. The continued requests have been documented and have yet to be acknowledged. Just two years ago in 2015 the lawsuit, ( XXXX versus Syndicated Office Systems XXXX Central Financial Control ) alleged that Central Financial Control had violated the Fair Debt Collection Practices Act when attempting to collect on consumer debts as well as Preventing consumers from exercising important debt collection rights. Failure to remove these collection accounts from my credit report will result in me opening another class action lawsuit against the XXXX for HIPPA violations, also well as the mishandling of my consumer credit reporting disputes. I have disputed these accounts multiple times with no acknowledgement of HIPPA validation to release my medication information. I will ask the court to refer to the previous lawsuit and see that the business practices have no changed of the company and they are n't following the criteria set forth for them. I will also ask for the company to incur all court costs as well as compensation for the case. I am requesting the accounts be removed from my credit reports within 30 days from this response.
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. MY SERVICER, GREEN TREE, HAS SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. MY SERVICER HAS HAD A LONG-LASTING PHONE MALFUNCTION ISSUE SINCE LAST WEEK. I AM UNABLE TO COMMUNICATE WITH MY SERVICER. THE ONLY NUMBER PROVIDED TO ME IS XXXX XXXX XXXX. THIS IS AN AUTOMATED SYSTEM AND IT HAS HUNG UP ON ME MORE THAN A XXXX TIMES SINCE LAST WEEK. I HAVE HAD OTHERS CALL FOR ME ON MY BEHALF WITH THE SAME RESULTS - HANG-UPS! WHILE MY SERVICER WILL NOT ALLOW ME TO COMMUNICATE WITH THEM, THEY HAVE SENT ME WRITTEN NOTICE OF THE FORECLOSURE SALE FOR XXXX/XXXX/2015. I HAVE SENT EMAILS TO SENIOR EXECUTIVES AT MY SERVICER - THESE EMAILS HAVE BEEN IGNORED. IN ADDITION, GREEN TREE IS REVIEWING MY REQUEST FOR MORTGAGE ASSISTANCE AND AT THE SAME TIME CONDUCTING A FORECLOSURE SALE