WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Legal Department Recently while conducting a monitor of my credit report I discovered that items were furnished with unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization. 1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, XXXX ( XXXX ) ACCT. BAL : {$140.00} 2. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$670.00} 3. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : XXXX
I have requested debt validation from this company several times. I have requested information about what this account is for, the date of XXXX delinquency, and an itemized final bill from ERC. 

The XXXX request was over 60 days ago and the last request was over 30 days ago. The only information I have recieved is a paid in full letter. I requested debt validation. 
I was told over the phone that ERC does not have this information and they need to contact the Original Creditor for this information. 
I paid this debt in full to the Original Creditor, ERC is continuing to report this debt with inaccurate information to the CRA including the date of first delinquency and the amount of the debt owed.
I paid a charge off in XXXX XXXX for a XXXX XXXX account that is closed. The only thing Transunion did was remove the balance due and payment history. They are still erroneously reporting the payment status as late and not even stating that this is a paid charge off. They are reporting payment status as late but payment status late of XXXX XXXX. That is when it was paid so it should not be reported late as pf that date. Photo proof attached.
Was notified on XX/XX/2018 that my disputed account # XXXX XXXX XXXX XXXX XXXX XXXX with TransUnion was going to be deleted from my credit report by the request of the creditor. Received a letter from creditor stating that they could not verify late payments to this account, and they sent me a snapshot of my account being paid in full with no record of late payments ever. Have sent numerous disputes to all 3 credit bureaus and to XXXX about the deletion of the account from my credit reports, but the account remains on all credit reports, and is negatively effecting my score.
I have been trying to contact Convergent Outsourcing Inc for awhile regarding a fraud alert i received from XXXX listing Convergent Outsourcing inc as the creditors. There was never any attempts by this company or any other in writing or verbally to collect a debt from me in the past but i am being told that the debt was reported on my experian credit report. I have made multiple attempts to contact the company by telephone and in writing trying to verify this debt and get information about the original creaditor and receive no response or help. I have no memory of an open account for XXXX dollars in my credit past
There was unauthorized access on my account so they closed my account for 4 months telling me they are investigating it. I had to to call and email and could not get a hold of a person to discuss over the phone. They said complaints are only delt With via email. Then 4 months go by my account still locked and the money is still missing. {$600.00}. I just want my money back I would contacted My bank but I thought they were taking care of it and if there was a problem and they couldnt refund the money I thought they would give me a call or send a email. Nothing happened but a locked Account so I could not check to see what was happening.
I HAVE SENT THIS COMPANY XXXX LETTER TO STOP CALLING ME AND STOP REPORTING THIS ON MY CREDIT. THEY NO LISTEN TO ME AND I CANS NOT TAKES THIS ANYMORE.
On  XX/XX/2017    this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809,
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ms. XXXX Mail Equifax XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent four ( 4 ) previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 
These accounts are XXXX XXXX Acct # XXXX, XXXX-XXXX Acct # XXXX, DOCUMENTS ATTACHED!! I 've had contact with these companies and you are in direct violation, as pertains to the XXXX account you 'll see the conversation with them ... .. I DO NOT HAVE A XXXX ACCOUNT! 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX, Ms. for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
I anticipate your response. 

Sincerely, XXXX XXXX XXXX XXXX Last XXXX DOB-XX/XX/XXXX Report # XXXX
XXXX XXXX XXXX , XXXX contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives. 
They gave an email address that is on the bill that is not ours. 
They would not give any information on when the account was opened or for what services.
On or about XX/XX/2018, the complainant discussed receiving a reverse mortgage form All Reverse Mortgage staff of XXXX County, CA. As part of the mortgage she was required to set-aside {$19000.00} as a balance that she would receive out of the loan. After the loan appraisal was conducted, it was determination that a portion of those funds needed to be set aside for roof repair work, and she would receive the balance. The actual roof repair only cost {$12000.00}. She was promised ( at least twice ) that she would receive any residual balance ( promised to have originally been {$6400.00} ) and it would be remitted and wired directly into her checking account. At closing she provided check for this purpose. On approximately XX/XX/2018, the check for the roof repairs from XXXX Reverse Mortgage Servicing Department ( the mortgage company that the mortgage was sold to ), was received. However, the remaining repair set aside funds were never sent and were subsequently transferred to the complainant 's available line of credit instead of being returned to her as promised. When questioned about this matter, XXXX said that because she took a line of credit, that she is not due any residual funds as initially promised by All Reverse Mortgage. This statement was never clarified.
I have been a victim of identity theft. I had filed a previous complaint against the original creditor on XX/XX/XXXX with the CFPB. CFPB Case number : XXXX was the complaint against Synchrony Bank for an American Eagle credit card, account ending in XXXX, that was charged after I had lost my wallet. 

On XX/XX/XXXX, I received a letter from Synchrony Bank stating:1. That this debt was discharged by Synchrony Bank. 
2. All Charges were removed. 
3. All credit reporting agencies will be notified to remove the account from my credit report. 

I have since been receiving collection letters from a XXXX XXXX , XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that XXXX XXXX , XXXX had not been notified of the decision by Synchrony Bank. When I received the letter dated XX/XX/XXXX, I can only assume that XXXX XXXX is illegally collecting on this debt.
I submitted a request for debt validation to CMRE Financial. The collection agency sent a computer generated form made to look like a billing statement. CMRE used improper documentation that was not generated by the original creditor to pose as debt validation.
I 've been repeatedly called and sent mail from this company stating I owe money to a bill I do not recognize that originated in 2001. I told them verbally that they have the wrong person and to please stop harassing me. Additionally, I 've asked them to take it off my credit report, which they refuse to do. 

I try very hard to take care of my credit rating and am upset that a debt from 14 years ago ( that is not mine ) has stayed on my report that long. Thank you for any assistance in clearing this up.
Capital One sent a pre-approved credit card mail notification to the an address I have never lived at ever and to address to a name that is not accurate for me. 
This letter could have started fraud and identity theft.
I have contacted this agency via mail, email, fax and the XXXX and they fail to correct their wrongs. I want to make sure i have gone through every channel in preperation for filing suit for providing false information and failing to protect my information. They list several inquiries that are not mine and i wish for them all to be removed. At this point i am not looking for nor have i been looking for any credit. All accounts on my report are reporting accurate and paid on time however the inquiries that have been made on my behalf by my ex wife is staggering. She has hacked my info on more than one occasion and re runs apps to destroy my credit rating because she was served with child support papers. TRANSUNION fails to take any action or help in any way. From what i can see all accounts look fine these bogus inquiries just need to be removed.
Bank of America has charged me overdraft fees and should not have. They have withheld funds to my account in order to charge me these fees. The account balance is always appears to have positive balance but the bank will make it negative. I am sick of this.
Letter was sent from Carrington Mortgage dated on XXXX received Sat XXXX stating that my Mortgage was behind 30 days and if I do n't pay XXXX in 30 day they will start forclosure procedures, I mailed XXXX payment also, that payment have not posted to account, I also made online payment today XXXX for XXXX a they put this on my credit report I have never been late on my mortgage in 16 years a check was sent and received by Carrington Mortgage and deposited on XXXX, The account # written on the check were to post payment. which they clearly did not do. I have read complaints on how carrington does business I 'm clearing unhappy, They have not sent mortgage coupon so I have to send check in regular envelope and write the account number on check for the to post to account ...
The debt of {$21.00} was paid directly to XXXX account through the XXXX office. XXXX at XXXX confirmed that I in fact had a zero balance. I called Paramount Recovery at XXXX on XX/XX/2016 @ XXXX AM and spoke with XXXX who informed me that she spoke with their client and they told her I had an outstanding balance which was not the case. I explained that I had just gotten off the phone with them and they confirmed the zero balance. She insisted that I still owed the paid balance so I offered to conference the billing dept from XXXX in but XXXX declined my offer.
My vehicle has been repossessed through SanAnder. Overdue balance has been paid, but I 've been trying to reach tow vendor for two days with no luck. I get charged 25 % interest rate and I might have to pay tow vendor {$150.00} a day for storage fees. How is this ok? 
When I contacted Santander consumer USA, they said they could n't help, and that I should keep trying to contact the vendor, while the vendor has n't returned my voice messages for two days. The vendors name is XXXX XXXX XXXX, phone no. XXXX. 

I just want to get my vehicle back.
I submitted a demand letter to Experian on XXXX/XXXX/2016 along with proof from XXXX XXXX stating that there should be no late payments reporting. I receive a response from Experian dated XXXX/XXXX/2016 report number XXXX stating that they have previously processed the dispute. This is ridiculous! My scores are being affected negatively and I am getting no accurate response from the bureau. There should be NO LATE PAYMENTS reporting on my XXXX XXXX XXXX account. Correct this error immediately!!
I have contacted this credit reporting agency and collection agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Collection agency and credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit XXXX If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.
Last XXXX 2015 I filed a RESPA request with Chase see attached, and still it has not been responded to. I believe that my Consumer Rights have been denied ; AGAIN with this bank!! that is adament to foreclosing on me while keeping me unable to obtain my rights under our laws of the United States RESPA act. All of my complaints as of so far are essentially been ignored with the same responses from Chase that they refuse to acknowledge me as an American Citizen with RIGHTS!!!! I will not be foreclosed on by being kept from obtaining my rights!! to allow Chase to continue to abuse and rob me for its own financial gain!!! I demand this RESPA be responded to or I will be forced to approach our court of law to be acknowledged of this legal request!!!
Dear CPFB, Please reference : Complaint # XXXX ( Submitted XX/XX/XXXX ; Closed, XX/XX/XXXX ) SIMPLE Bank offered {$100.00} compensation in closed complaint on XX/XX/XXXX, but no compensation has been received by XX/XX/XXXX. I feel that 30 Days after complaint was closed was sufficient time to send the {$100.00} compensation that was promised. However, in the closed complaint, they did not specify a date as to when they would send the {$100.00} compensation. From SIMPLE in the closed compliant : To acknowledge the issues that you faced and to show our appreciation to you for the time you were a customer with Simple, Compass will be sending you a gift card in the amount of {$100.00} to the address that was listed on your account.
Reference Policy Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Policy Declarations regarding XXXX and its Agent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, California XXXX investigated with their employees and Executive Management .The policy covered XXXX XXXX XXXX XXXX Door Sedan # ID XXXX finance by XXXX XXXX XXXX XXXX . The effective dates were XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX XXXX was stolen in the Subdivision of XXXX XXXX XXXX XXXX. Also, I would recovery and monetary loss ; along with criminal charges. <P/><P/>Previous employees resided in XXXX XXXX Homeowners Association identified as XXXX XXXX, Security Specialist with Federal Emergency Management Agency. <P/>I have been threaten since XX/XX/XXXXwith violence, disclosure of private information and destruction of personal property. <P/>Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the inaccuracy of termination of insurance, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). <P/>Malfeasance in office by XXXX 's Board of Directors, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction and theft of automobile. This occurred after resigning from Federal Emergency Management Agency on XX/XX/XXXX. This information may be verified by : XXXX Parish Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone : XXXX Fax : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX
I am the victim of identity theft. Someone stole my identification and got medical services. Those medical services were never paid by the perpetrator and is showing up on my credit reports. Equifax is blatantly disregarding my rights by law and willfully neglect to make my credit report accurate. By law, the Credit Reporting Agencies must block fraudulently opened accounts from appearing on my credit report, according to the FCRA Section 605b. The consumer reporting company has four business days to block the fraudulent information after accepting my identity theft report. On XXXX/XXXX/XXXX I sent by certified mail to Equifax a copy of my government issued Identity Theft Report detailing the theft of my ID and of the services illegally gained, a copy of my government issued Drivers License for identifying purposes, a letter citing FCRA 605b, and a credit report page showing the two accounts that were illegally gained. There are certain instances where a Credit Bureau can decide not to block the illegal information, however, I have surpassed all of the requirements to warrant a block of the accounts appearing on my report fraudulently. ( c ) ( 1 ) ( a ) I did not request this block in error. ( c ) ( 1 ) ( b ) There was no material misrepresentation of facts by me. ( c ) ( 1 ) ( c ) I did not obtain possession of goods, money, or services as a result of these illegal transactions. Not only did I surpass the requirements to lead to a successful blocking of the fraudulent accounts, I also sent in every item as required by law to do so. On XXXX XXXX, XXXX, I got a letter from Equifax stating that they will not block this fraudulent information, and they did not give me any specific reason as to why. Why is Equifax openly violating my civil rights and failing to follow the law? I am suffering mentally, physically and financially over Equifaxs ' handling of this matter.
Several years ago, when my children were very young, I lost my job a the XXXX because of a RIF, ( Reduction in Force ). We had already moved to a larger house and I was trying to sell the older, smaller home when I was laid off. I fell behind on the payments. The Bank was not happy, but I worked out an agreement to catch up the payments, ( borrowed money from family ) and the Bank sent me a letter. That letter said I had to catch up the past due payments in full by XXXX XXXX, 1992 for {$2700.00}, which I did. I have the letter and the Bank receipt. I soon found a job and I put the house up for rent as started making the regular payments again the very next month. 
Well, what I did not know at the time, was that the Bank, XXXX, had been acquired by XXXX XXXX, later to become Wachovia, and then Wells Fargo. Whoever it was, they refused to acknowledge the written agreement set forth in the letter that they sent, returned my check and started foreclosure. I had a significant amount of equity in this property and for whatever reason, they continued with the sale of the property on the steps of the XXXX County Courthouse. When I got advanced notice by certified letter, that forced me into a Bankruptcy. Well, that did n't stop them. They sold the property on the County Courthouse steps anyway. And too bad for them that Federal law trumps State law, they had to reverse that sale. It was ugly. 
The Bank was not happy. I was now dealing with XXXX XXXX, one of the biggest Banks in the country and they were extremely hostile. When I came out of my Chapter XXXX payment plan 3 years later, they went right back to their old ways and refused to make a proper accounting of my loan balance. They could n't. They had lost control some how. They refused to acknowledge the correct balance. Enter my second Chapter within months of my first Chapter being discharged. That too has been discharged. I pay my debts if given a chance. 
In my view, I had a written agreement with the Bank to bring my payments up to date. I met the terms of that written agreement. I still have those documents. I can not begin to explain the problems this has caused for me and my family. I believe it was a fraud and an attempt to make a quick sale of my property because it had a significant amount of equity. Because I was forced into XXXX Bankruptcies, this has cost not only time and money but also in my ability to gain adequate employment. 
I tried years ago to sue the Bank for this Fraud but there was nobody willing to take on a major Bank, until now.
This XXXX account has not been updated BY XXXX in almost 10 month, rendering it orphaned, and wholly inaccurate. 
1. The Account Balance is incorrect 2. The Last Payment Date is incorrect 3. The Last Payment Amount is Incorrect 4. The Scheduled Amount is inaccurate 5. This account has a comment - which is also inaccurate, and NOT provided by the creditor. 
" Charge, Amount in H/C column is credit limit '' " High Credit = XXXX, which is NOT True. ''