WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I called and thought I was speaking to a   XXXX   customer service rep. However by the end of the call I realized I was not. This was a company called time mark solutions. I gave them my social my debit card as well a license number. They did n't tell me until the end of the call when they were " supposable '' sending me my paper work that I never got that they were n't  XXXX  they were a debit consolidator. Here is there number  XXXX
I was added to a XXXX XXXX Account as an Authorized User without my consent and do not have the credit card information to get this item updated by removal due to inaccuracy. Even after calling XXXX XXXX several times, they could not help. They told be to dispute it with the credit bureaus. Item has been disputed since XX/XX/XXXX to no avail. Also, please note that I currently have XXXX credit line with XXXX XXXX with {$0.00} balance with no late ( s ) and excellent payment history and still could not get them to resolve this issue. The account was opened XX/XX/XXXX last activity was XX/XX/XXXX, I am not sure when I was added as an authorized user, but the information has been reported to all three bureaus : XXXX, Equifax, and XXXX  and it is inaccurate. I do not have the credit card number.
I have tried on numerous occasions to contact Bank of America, XXXX, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that Bank of America has to fix it but then Bank of America tells me the opposite. It is extremely difficult and frustrating to even try to get someone at Bank of America to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven (which they actually did forgive) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as XXXX on my credit report which it does). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the Bank of America customer service agent I pulled my credit report. I was happy they kept HALF of their promise (as was required by law) and my balance was XXXX. But the late payments were still showing (and are still showing to this date) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in Bank of America's system and that it would be fixed.Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting Bank of America. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. Bank of America (as well as these credit agencies) are affecting people's lives and making promises that they don't keep. I believe that Bank America should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.
XXXX XXXX, XXXX, at approximately XXXX XXXX called Equifax about a charge appearing twice on my credit report. I asked the agent where he was located and he told me the XXXX. I asked to speak with someone in the United States because frankly, I do n't understand how this company is allowed to still operate, let alone offshore. I was told I was being transferred to a U. S. agent, but I was on the line for over 20 minutes with just music playing. No one or no recording letting me know I had even been connected was available to me.
I submitted a compliant to the XXXX, Equifax and XXXX Bureau regarding the different variation of my name, old phone numbers, old addresses and old employer removed from my credit report. However they have added old address to my report. My request was received by the bureau on XX/XX/XXXX & XX/XX/XXXX, I also submitted prove of my address and legal name and they have not removed the variations of my name, the old address or old employer from my report. I have attached my SSN proof of my address and phone number.
I was sent a notice on XXXX XXXX, XXXX by Fedloan Servicing advising me to send my recertification paperwork ( income and tax information ) by XXXX XXXX, XXXX for my upcoming payment plan for the next year. I sent the required information on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX I called Fedloan Servicing and asked when it would be processed. I was told that the application would not be processed until after my XXXX payment was sent out. 

I was told that their policy was not to process the application until the XXXX payment was sent out despite having all the information to make a determination now. I advised that waiting until the last minute to process could result in further delays thus forcing me to have to use deferment and forbearance months if something is wrong with the application. 
I was told by Fedloan Servicing that this is their policy. After pushing, I was then told that it is Federal Policy. I asked for the Federal Law stating such and was met with silence. 

I would like my application processed within a reasonable amount of time. Waiting until the very end of my current plan is unacceptable and opens the door to a forbearance ( capitalized interest ) or deferment issue.
On XXXX XXXX I received a call for a debt from 2012.The message left threatened to have me " detained '' at my place of employment or at home if I did not pay up today charging me with wire fraud.. They charged me to legal and process server fees and I paid the entire amount over the phone with my debit card. XXXX my mistake ) It cleared my bank. On XXXX XXXX, they charged my account again for the same amount, even though I have a receipt showing paid in full. When I called and explained the issue, they put me on hold for over XXXX minutes and did not come back. When I called again, no answer. I filed a fraudulent use of debit/credit card with my bank. This company violates all collection processes and regulations, first by the tactics, and voice mails and then by using your CC for further gain.
I went through this awhile back, Bank of America lost my mortgage to the tune of $ XXXX.They would not do anything to set it right. They were to busy because they were selling a Bank in XXXX. The other Bank was a shady one also. How can the XXXX let this go in our country. Got to go now steamed up again!
My report show I worked for XXXX, I have never worked at this business. 
Also there is a name on my report that is not mine and address that I have never lived at.
I am less than 30 days behind on my payment. I scheduled a payment online several days ago to process on XXXX/XXXX/16. This morning I received an email regarding this matter, however my email and about 10 other emails were attached in the same message. I feel like this is personal information that should not have been shared with multiple parties.
I spoke to your company before and informed you that I am in dispute with this debt and that you needed to validate this debt but it appears you have refused so I am sending this letter to you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is 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 office provide me with competent evidence that I have any legal obligation to pay you : What the money you say I owe is for ; provide a detailed, plain and simple list ( not coded ) of any and all services or goods you claim I received a line by line itemization of charges ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. 

If you have I demand you send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law. 




Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any reporting to any credit reporting agencies. 



Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 



This is an attempt to correct your records, any information obtained shall be used for that purpose
XXXX issue with my citi credit card account!. I filed online on XXXX/XXXX/15 for an electronic payment to be posted to my account of Friday XXXX/XXXX/15. Citi debited it from my account on XXXX/XXXX/15 which caused an overdraft. Then when the payment was processed from my bank on XXXX/XXXX/15, CITI says they have posted the payment to my account but it is still not available on my line of credit as of XXXX/XXXX/XXXX. I have an unauthorized recurring charge from XXXX NY a dating service which i unsubscribed to several weeks ago. Since then CITI has authoriized XXXX charges of {$49.00} to the merchant and not only will they not refund they stated they can not suspend/discontinue any further payments to the vendor even thoughI have reported it as fraudulent
I have been having problems with Navient Private Student Loans. Every time I contact them to provide me with information and help I am told one thing by one person. I call back to speak with that same person and I have their extensions and id numbers but I am always transferred to someone new and they say that I am unable to speak with the previous person. I have been told several things about lowering my bill all have been different from the last. I am unable to pay the insane monthly payment of {$1300.00} they said they could lower to just interest payments at {$1000.00} something. I was told they could even lower that but I would have to wait until my bill is 1 day past due or more so I would be in default then they could lower my payments. I asked if they could just do it now and the last XXXX people have told me that I have to skip a payment in order to do that. The first person said I could lower it to only {$700.00} a month for the first 12 months which would help out the most but now they are saying not guarantees and that I can not even be assessed for that until I am past due. They are charging extremely high interest rate ( 12-14 % ) and I do not even remember agreeing to those high of terms. Something seems very off about the whole thing and process they are taking. I talked to them about doing a debt settlement because i had contacted a law firm, XXXX XXXX, and the debt settlement payments would only be {$1000.00} a month so way lower than Navient. All of my loans were done through XXXX XXXX and now it says Navient.
I received my credit report in XXXX of 2017 and Capital one removed the account off my report. I looked last week and it reappeared with no explanation. This is a direct violation of the FCRA.
I am upset that my mortgage company ( fifth third bank ) did not pay my property taxes from my escrow account when they came due in XXXX. Their reason was that because I refinanced my mortgage, it froze all transactions on my account. I was charged a {$130.00} late fee from the county because the payment was not received by XXXX/XXXX/2016. It should not matter that I was refinancing because they had an obligation to pay the taxes from my escrow. There was almost {$2700.00} in there and my taxes were XXXX.. We had not closed on our refi at the time the taxes were due, so if we had decided not to refi and stay with fifth third, they would have to pay them anyway. Fifth third stated that they could disperse my taxes but it would change my payoff and my new lender would have to request another payoff which would have prolonged the process. To resolve this, my new lender included the taxes in my new mortgage and dispersed them to the county when the loan funded on XXXX/XXXX/2016. The county received my tax payment today XXXX/XXXX/2016 and they are now current. Its frustrating because even though {$1300.00} is a small amount, I am now paying interest on this amount over the next 30 years because my taxes were not paid on time.
I made contact with Zwicker and Associates on XXXX/XXXX/15 to discuss the XXXX XXXX bill they are handling to see what our options were. We were served with a summons in XX/XX/XXXX and sent in our answer and instead of going through the courts we wanted to see if we can rectify the matter outside the courts. We talked to a collector I believe his name was XXXX and when I proceeded to tell him our income situation ( primary holder got laid off in XX/XX/XXXX at the time the payments stopped and hes now on unemployment, spouse works part time and expressed we get help from family to keep a roof over our head ) we offered we can do {$50.00} a month till our situation gets better. He said he can do the balance in XXXX parts over XXXX months, I advised we are not able to raise that kind of money due to our current situation. When we told him that he proceeded to tell us that they will collect this with a involuntary payment and when I asked him what that meant he said " I dont know how your state works '' he kept referencing " involuntary payment '' and I kept asking him what that meant because we offered payments and they refused to set up any arrangement on the payments we offered, so what is the involuntary payment mean? He said " I dont know how that works in your state again ''. We asked to speak to someone who knew what that meant and a XXXX XXXX a manager, we asked him what they meant by " involuntary payments '' he said the courts will determine what that is..and said he didnt know the laws in our state. They currently do not have a judgment against us and we have not been to court so referencing any legal action, involuntary payments and not accepting what we offered this is illegal. Thank you for your time in this matter.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against RECEIVABLES PERFORMANCE. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
This concerns the XXXX XXXX Visa card. 

To reserve some cash for a summer vacation, I paid {$5000.00} out of XXXX on a monthly bill in XX/XX/2018. This left a balance of {$2200.00} that carried over onto the next month 's bill. At the end of the  following period, I paid the statement balance in full. For the first month I was charged {$58.00} and for the second month -- the month for which I paid the entire statement balance -- I was charged {$120.00}. This means I effectively paid 8 % to carry a balance of {$2200.00} for one month on a card for which I only have a 16.99 % APR. There is no clear way to understand this on their terms and their explanation only confused the matter. I tried to clear this up with Citi on XX/XX/XXXX to no avail.
My loan XXXX XXXX XX/XX/XXXX was at {$21000.00}, which was hardships and forbearance etc. I switch to Navient. Now it 's {$50000.00} showing on my credit, then they offered the Rehabilitation loan - I missed one {$5.00} ( XXXX dollar payment by being late ) I was already in my 6th payment of 9 ... they made me start from scratch all over again ..my second Rehabilitation attempt ... now in XX/XX/XXXX I finally have my 9 XXXX payment in ( do to hardship ) I am just waiting for my loan to come off default on my credit report. I have lost a lot of jobs and school time because of this and LARGE INCREASE IN STUDENT LOAN DEBT. what a wonderful solution. It increased my debt. because I miss or was late with XXXX dollar payment ... I was even unemployed at the time looking for a job : ( They said they would send me a letter in 30 days stating that my student loan is off default and to the Credit Agencies stating my loan is now in Good Standing. Let see if that true by XX/XX/XXXX*
I purchased a mattress and decided to utilize the for 0 % financing option offered through XXXX XXXX XXXX and managed by Synchrony Bank. 

The payments commenced in XXXX XXXX. I opted thier mail option ; to pay by check and mail it in. ( I use the mail-in option for all of my monthly bills with other companies ). 

In XXXX XXXX, I had mailed my check on XXXX/XXXX/XXXX ( payments are due on the XXXX of each month ). The following month, the XXXX XXXX statement, I noticed a late fee. The payment I had sent on-time was posted on XXXX/XXXX/XXXX. 

I followed their dispute resolution process and sent a letter to them in XXXX. I never received a response. 

I sent a second letter in XXXX XXXX and again never received a response. 

I sent a XXXX letter in XXXX. I never received a response. 

I then finally received a response letter stating that they did not know why the check was posted late and would refund all the late fees and interest on my account. They did in fact correct the balance on my account. 

Now in XXXX of XXXX, I sent my payment as usual, however a week later, the XXXX XXXX returned my envelope to me. It was post-marked XXXX XXXX, XXXX, and the post office tag cited it as " XXXX/XXXX/XXXX return to sender : no such number : unable to forward ''. 

I double-checked the address on my statement as well as called the company, and I was told the address was correct. I explained that the envelope was returned to me, the representative stated they did not have an answer why, that it must have been a post office error. 

I decided to re-send the same unopened/sealed envelope, as is, on XXXX XXXX, XXXX. 

I also sent letter to their dispute department with a photocopy of the envelope clearly identifying the postmarks. 

My payment cleared my bank account on XXXX XXXX, so clearly they received the envelope, however, again it was posted late to my account. 

My XXXX statement arrive on XXXX XXXX with again, another late fee processed. 

I have sent the XXXX dispute letter for this charge and again included a photocopy of the envelope. I noted the post-marks, which clearly supports my suspicion that they are intentionally delaying payment processing. 

This is the second time in less than a year that Synchrony Bank has delayed processing my on-time payments. They still offer mail-in payments, yet they delay processing these payments and charge late fees. I believe they are purposefully doing this, whether to force a late fee charge, or through pure negligence and incompetence. Whatever the reason, they offer mail-in payments and thus should be able to process those payments appropriately and to industry standards. 

I have never had any problems with any other company processing my payments. On most occasions, my checks are clearing within XXXX5 days after I put them in the mail.