WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX, XXXX, on behalf of XXXX XXXX XXXX ( USA ). 
Since XX/XX/XXXX, the above collection company have constantly called me, with an attempt to collect a debt in the amount of {$4000.00}, ( after I asked them not to call anymore and that the debt does n't belong to me it belongs to the corporation inwhich I once worked ), they have mailed me numerous letters, I received the last letter XX/XX/XXXX ( after I asked them not to contact me anymore ) and they have damaged my credit report with all three credit agencies, because of this derogatory mark on my credit report, I have had a very difficult time trying to obtain US Veteran housing. 

I have repeatedly told this collection company that " this debt is not mine and to please remove this negative remark from my credit report, ( inwhich I have never given access permission ). I have repeatedly told and written letters to this collection agency stating that this debt belongs to XXXX XXXX XXXX XXXX a company credit card inwhich was I used under the corporation 's name and was not and is not responsible for debt or repayment. The corporation since then has dissolved. Please ressolve this matter. 

Thank you
I was a trustee at PNC bank an had business with this company, the location of this was XXXX XXXX, I have loss my power of doing business with this bank, I came to the bank an spoke to one of the clerk there an waiting for response from the bank clerk, the banker want my, ( SSN ) social security number, I had went down the block already why I told the teller about problem in business I had, my private info I have to e-mail to the teller.Correct address to bank is, XXXX XXXX XXXX, XXXX, KY XXXX.Seeking a support system have police report at XXXX metro police department , an have asked for other report that have been denied by these officer trying to talk to XXXX integrity unit around XXXX, an the officials there, this is ask the expert, I have open other bank to this is the more reason encounter of where is my account.

Thank You, XXXX XXXX
To Whom  It May  Concern   XXXX    XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX     XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC  #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) lis ted below are as follow : Have enclosed a copy of my Id and  XXXX  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :  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  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 w ith 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I req uest 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 t o 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 q uestion, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required b y 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  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX
XXXX   XXXX     XXXX   XXXX   Customer Relations  XXXX   XXXX   XXXX   XXXX , Ga  XXXX  --  XXXX  DA :  XXXX   XXXX ,  XXXX   RE :  Requesting a Copy of My Full Mortgage Payment Account History/Including Interest Paid During Time of Loan (  XXXX   XXXX ,  XXXX  to  XXXX ,  XXXX  ) This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was  XXXX   XXXX  to  XXXX   XXXX ,  XXXX . According to my records Ive paid a total of {$34000.00} during my loan with you. How much interest was paid toward my mortgage loan during that time.   XXXX   XXXX   XXXX   purchased the loan from y ou (   XXXX   XXXX   ) I must inform you that my name could  have been listed as  XXXX   XXXX .  XXXX  when transferred..     Please check your records under both names. Please send any contact and copy of information where mortgage documents were sent at the end of the loan with your company. I would assume that all information was sent to  XXXX    XXXX    XXXX , if everything was transferred to them at the end of the mortgage loan with  XXXX   XXXX   XXXX   XXXX   XXXX .     My Request and Concerns Are As Follow : Please provide original amount of loan financed Interest rate at time of loan Please include a copy of all signed documents Interest paid towards mortgage while you owned the mortgage loan Total of Monthly mortgage payments made while you owned the loan Ending Balance of mortgage loan owed when you transferred it or sold the mortgage loan.   Provide documentation of the year when mortgage loan should be paid in full according to your records.
Midland Funding removed funds from my account for a debt that does n't belong to me. I recently sent a letter stating that the money that was removed from my account belongs to my elderly father who is XXXX all the money came from is social security check to be used for is living expenses and is final burial expenses. I also explain to Midland that I am the sole caregiver for my father and all the monies removed belongs to him.
My complaint is about unfair charges. I purchased a printer from  Bestbuy Store on    XXXX   XXXX ,  2017 , using a store visa card issued by Citi Bank, for the amount of {$190.00}. The store never sent me a bill through email or paper until  XXXX / XXXX / 2017 . The balance becomes {$280.0 0}!, thi s amount includes the printer price + late fee charge + store interest from  XXXX  to  XXXX . There is no alert letter sent to me either. I made a phone call for inquiring. After a long conversation with the  manager  of the customer finance service, he agreeed to lower the bill to {$240.00}! He insisted that he could not reverse to the original balance and also stated that the customer still had to be responsible for the overdue charge  ( {$48.00}. ) It 's very frustrated and unjustified to hear him repeated his word. The store ob viously uses a dirty technique to rip off the customer like me for extra charges since no bill has come to me for 2 months. Please investigate and thanks for your attention.
Santander bank u.s.a bank used a settlement check I got from an insurance company to pay for damages and used it to pay off the remaining car loan. Its been a month since my car has been payed off and they still do not want to release my title or the money left over after paying off my loan. They closed my account which makes it very difficult to get in contact with them via phone. I chatted with a customer service person named XXXX and gave me false information. He said my title was sent electronically to my dmv because that was the law. I called my local dmv and they told me that the title is suppose to be sent to my address. They are sitting on car title and money that belongs to me and have no rush in giving me my property.
I ASK MY BANK IBERIABANK TO ASSISANCE ME WITH COLLECTING MY REFUND FROM XXXX XXXX XXXX ON CANCEL ORDERS WHICH THEY HAD PROMISE TO REFUND ME ... ..SINCE IT WAS WITHIN THE TIME ALLOWED ( 60 DAYS ) TO DO A CHARGEBACK ETC ... ..AND I GAVE THEM ALL THE SUPPORT DOCUMENT THEY NEED TO SUPPORT MY CLAIM ... ... I ALSO HAVE REPORT THIS COMPANY TO OTHER AGENTS AND IF ANY OTHER AGENTS YOU KNOW THAT CAN HELP PLEASE HEHELP ME ... THIS COMPANY OWES ME OVER 2,000. 

SINCERLY, XXXX XXXX
My trial loan modification was approved in XX/XX/XXXX with the first trial payment due XX/XX/XXXXand if completed satisfactorily by making 3 months ' payments on time, would convert to a permanent modification in XX/XX/XXXX. I completed all payments on time and have continued to make on-time payments however to date, I have not received my permanent modification agreement! As well, despite my on-time monthly payments, the servicer is continuing to negatively report delinquency on my credit. I have contacted the servicer repeatedly and get a different answer each time varying from, " we have not received investor approval as of yet on your modification agreement and are working on that '' to the most recent answer of " we are having an internal issue with our servicing system and are working to resolve this issue. '' Per regulation, they had 30 days to provide me my permanent modification agreement and it has been over 120 days. Please help as I am not getting any resolution from the servicer.
BANK OF AMERICA IS A DEFINATE CRIMINAL!! HERES THE PROOF! AFTER 5-6 COMPLAINTS ABOUT A FRIVOLOUS ALLEGED DEBT THEY HAVE FAILED TO SHOW VALIDATION, THEY RESPONDED " IT SEEMS I HAVE BEEN A VICTIM OF FRAUD " NO XXXX XXXX!!! AND BANK OF AMERICA IS THE FRAUDSTERS CRIMINALS, THEY CAN NOT PROVE THIS DEBT IS MINE AND THEY FAIL TO COMMUNICATE WITH A PROPER RESPONSE, THEY ARE EVEN REPORTING ON THIS ALLEGED DEBT PASSED 7 YEARS AND THATS A CRIME ALSO, FURTHERMORE BANK OF AMERICA HAS NO VALID CURRENT CONTRACT WITH ME AND THATS ANOTHER CRIME, ANOTHER POINT IS HOW CAN A XXXX AMOUNT BE PROCESSED WHEN THERE IS A XXXX BALANCE AND THEY REFUSE TO ANSWER THAT ALSO!! 
SO HERES THE VERY SIMPLE QUESTION CAN YOU PROVE THIS ALLEGED DEBT IS MINE? YES OR NO. AND SHOW RELEVENCE TO YOUR ANSWER!!! YOU OWE ME NUMEROUS DAMAGES IN VIOLATIONS PLUS PUNATIVE, I WILL SEND YOU AN AFFIDAVIT AND WHEN YOU CAN NOT ANSWER IT ILL FILE A COMMERCIAL LIEN AGAINST YOUR CORPORATION, NO JUDGE IS NEEDED XXXX,
I never received a notice of this debt or right to dispute from the collection agency. I attempted to settle the debt for a smaller amount, but my settlement offer was not accepted. The original creditor appears to be XXXX XXXX, but I have not had insurance through this company for several years. When I ended my coverage through XXXX, my account was paid in full.
Equifax big security breach on XXXX/XXXX/XXXX. I was informed that I was affected by it. I checked XXXX/XXXX/XXXX on equifaxsecurity2017.com and it said my information was compromised. I will be freezing my files with all 3 credit bureaus shortly.
I never received ONE bill for the Walmart credit card so how can I pay it if I dont have the information?
The XXXX XXXX company has placed a high risk alert under my name and social in which I cant open a bank account anywhere. In late XX/XX/2015, my bank was compromised by my ex husband and fraudulent activities were done against my account. I notified Bank of America about the account being compromised when several thousands of forged money orders were deposited into ATMs for direct cash back. I didnt know that my ex husband was a party to this therefore the bank decided to contact this consumer reporting company which has blocked my banking privileges for 10 years. I believe this company is violating the fcra and other laws in the state of Washington whereas I reside. To be banned to open a banking account constitutes a felony charge of fraud in which I havent committed a crime nor have authorities pursued any charges to justify why this ban to open a checking and savings account. I will also forward my complaint to the state attorneys general office in Washington that this company is violating my rights.
I have asked XXXX for about 3 years to verify my debt by sending me a signed contract with my signature to verify debt. Instead all they send was transaction histories which could not in fact prove that this is my debt. I have told them that I am unaware of this debt, so they send my account to collections ( Midland Funding ) which tried to garnish my check without still verifying my account. Midland Funding refused to talk to me and here I am stuck with paying a unverified account.
I signed up for a credit card via XXXX XXXX. Once it came in the mail I was not happy with the terms so I did NOT activate it. I latter received a bill for {$75.00} dollars to cover an annual fee. When I called to complain they told me the card would be cancelled and I would not have to pay this 'fee '. This month I got another bill for for the same {$75.00} + interest. When I called to complain they told me it was a bank error and I would not be responsible for the account. Remember, they said that last month. Unfortunately the liars put a mark on my credit score. Are they kidding?! I did n't activate the card! They told me the first time I called this account was closed ant that I would not be charged. I am disgusted that my account is labeled delinquent. Then they told me this issue with my credit could take 60 days. I told them this is unacceptable. I cancelled this card that was never activated. Will this company be investigated? I do not believe this is fair business practice.
US Bank is purposely making enrolling in auto pay very difficult resulting in late fees. Us Bank 's website is also misleading and causes storing of my checking account to delete its self further creating difficulty making on time payments.
If the CONSUMER Financial Protection Bureau wants to protect my financials you will please help me with the following request. I bought a house 5 years ago. The taxes and insurance and everything or course keep going up. I bought the house for XXXX, and got a mortgage for XXXX. Today, with perfect payment history, I owe around XXXX. I have a ridiculous amount in PMI. If you are protecting my finances, then I need help removing this unnecessary expense from my mortgage payment. I know the lender can simply adjust my payment and take it off, it 's not difficult. Here is why it 's not necessary : My understanding is that PMI protects the lender? First off, why do I have to pay for their risk? No other business on earth makes you HAVE to pay their insurance to avoid their risk. There is zero risk with my mortgage. If I do not pay the bank will make money, as there is NO RISK with my mortgage, as I have over {$120000.00} of equity. Comparables in my neighborhood are selling for over {$300000.00}, I owe {$170000.00}. With that said there is absolutely NO RISK so there is absolutely NO REASON for my to be financially harmed every single month. With perfect payment history and {$120000.00} in equity, and in XXXX XXXX XXXX, XXXX of the best real estate markets in the country, this PMI payment is erroneous. Please help me from being financially harmed each month from risk that is n't risk, but merely the opposite of risk. If I do n't pay my mortgage, there is no protection needed from the bank 's part, as my house has {$120000.00}, ample equity to ever put risk on the lender. Thank you.
My complaint is with One Main Financial. Since XX/XX/XXXX18 I have received 57 phone calls from One Main Financial. This is ridiculous. I am tired of it. Also 2 months ago I set up a payment plan with them. And they said that they would defer my payment and allow me to change my due date. Come to find out they never allowed that to happen. They lied to me.
In XX/XX/2018, I brought my mortgage current by paying the past due amount on the account. I was informed by the mortgage company that by doing that, my account will now be reported as current. My recent credit report is still indicating my account is 120 days delinquent which is inaccurate. I have contacted the mortgage company and they keep telling me that they have fixed the issue, however, my two recent credit reports are indicating they are still reporting inaccurately. I am requesting that XXXX update the 3 credit companies with the most current account information and stop reporting the account as being 120 day delinquent which is inaccurate. Additionally, I only have one account with XXXX but they have two accounts listed on my credit reports which is also inaccurate and i need then to delete the additional account on my credit reports.
I made final payments to my previously owned XXXX XXXX XXXX network account back in XXXX, XXXX and XXXX, XXXX. The account was closed by XX/XX/XXXX/XX/XX/XXXX for I went with a different service. From XX/XX/XXXX until XXXX, XXXX I have made several calls to both entities, as well as had a conference call on several occasions with customer service reps from both XXXX XXXX XXXX and XXXX XXXX. On many occasions, the XXXX representatives informed the XXXX XXXX XXXX reps that their balance is paid in full and no more money is owed to them. XXXX XXXX XXXX would bill for both their service & XXXX service, XXXX required 2 month payments in advance and the due dates were never aligned, which made the billing difficult to understand let alone know who was due when. XXXX XXXX XXXX was paid their final balance, XXXX network informed them they are owed no more money and XXXX XXXX XXXX refuse to take responsibility for their human error in processing my final bill, which was a total of {$100.00}. Since then, my credit score has had fluctuating scores like a " see-saw '' every 2-3 months due to XXXX XXXX XXXX hiring a new collection agency, or collection agencies buying this account from each other, which makes it very difficult to maintain my excellent and hardworking credit score of XXXX. Every time a new collection agency place their collection on my credit report I have to contact the agencies to have it investigated and every, single time it is removed or deleted. I feel I am being harassed by these several collection agencies and XXXX XXXX XXXX to collect a debt that has already been paid in full.
I applied for a refinance mortgage on my single family home in which I reside. 
I have provided information parsimoniously requested of me for the past 4 months. 
I have been strung along on this process being required to increase my home insurance coverage to accomodate Sebonic Financial requirements. I have provided XXXX appraisals demostrating I have well over 40 % equity in my home. When I began engaging with Sebonic Mortgage and Cardinal Financial process my credit rating was very good, I received this email in XXXX from the Mortgage Representative XXXX XXXX, " Finally! Thanks XXXX. I just requested update from lockdesk. I know they are slammed. Will provide update as soon as I hear from them. May not be until tomorrow though. Thanks XXXX. " On Wed, XXXX XXXX, 2015 at XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : '' Yes, we finally received the verification information. We had to get XXXX to update their records with the third party verification company. ''
In its last response Experian refused to adhere to FCRA requirements by failing to comply with my request for removal of 7 unauthorized inquiries. Again, I am requesting removal of all unauthorized inquiries from my credit report. 

Attached is a copy of the credit report evidencing 7 unauthorized inquiries of which I am demanding removal. The unauthorized inquiries are : 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
I opened a credit card account ( Chase Sapphire Reserve ) in XXXX XXXX with Chase bank. On XX/XX/XXXX I called to request the bank waive my annual fee pursuant to the Military Lending Act that went into effect on XX/XX/XXXX as an XXXX military member. They refused to do so unless they were forced to through a credit bureau review initiated by me closing and opening a new account or opening a new card on that account. Their request to have me open a new account in order for them to comply with a law represents undue financial obligation and credit score impact when they should simply comply with the law and apply it to my account to waive the annual fee.
While reviewing my Target credit card ( Master Card ) account online on XXXX/XXXX/16 I 've noticed that fraudulent transactions. I called the Target Card Customer Service immediately. I was advised that my card must have been compromised and it was going to be blocked. A new card will be sent to me. In order to remove the fraudulent transactions I need to complete the Fraud Affidavit and send it back to Target Customer Service. A blank copy of which was sent to me via email shortly following the conversation. I was n't made aware that I was going to lose access to my online banking as well. While trying to complete the Affidavit later that day I 've realized that I need to further review my account history, and provide details about transactions. To my big surprise, access to my online banking was denied ( after first try of logging in ) and or blocked with a message saying that I need to contact the customer support. I called immediately. I was advised that since there was fraudulent activity reported on my account they had to block my access until I receive a new card. I do not receive paper statements, therefore the only way I can see the account history and transactions is to go online. Target requires the Affidavit to be completed with the information about transactions including dates, amounts and merchants ' names. It takes 10 days to receive a new card. I 've asked if my username can be restored, and was told by the representative that it 's impossible. I asked if the account history can be emailed to me or sent via regular mail, and that was n't possible for security reasons. They only thing the representative was able to do is to provide me verbally over the phone the details about transactions that I remembered could be fraudulent. Target would not allow me to review the account history to insure that I am listing all transactions that I need to dispute as not conducted by me.
I am filing this complaint because XXXX and Transunion did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX ( Original Creditor : 06 XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX
On XX/XX/XXXX, I noticed a hard inquiry from CNBA that occurred on XX/XX/XXXX. I had applied for a citi credit card back in XX/XX/XXXX, and there is also a hard inquiry from then ( as expected ). I do not believe I ever authorized the second pull that happened in XX/XX/XXXX.