WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Choice Recovery Inc After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2013. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Per Ditech 's response of the last dispute. 

We have found the information to be lacking in information to back the findings. We are attaching the statements for the 14 months of Interest Only payments on a Simple Interest loan. We find it hard to believe that payments over this period of time could all go to interest when some payments are clearly made less than 30 days apart. We since went through all 20 years of the statements we have collected and found these statements from XX/XX/XXXX to XX/XX/XXXX to of great concern. We have also attached the response from Ditech in the words of their own Paralegal XXXX XXXX " that the months where no principal was applied, payments were generally more than 30 days from the last payment made or past due interest was owed ''. Then states to " please refer to the enclosed payment history for breakdown of the payments applied toward principal and interest '' Yet there was no 'enclosed payment history ' for us to review. 
Thank you, XXXX XXXX XXXX
the company is called trademark, the number is XXXX they are constanly calling my job and getting smart with me and other employees. i talked to them 2 time, and told them both time i want somthing in writing in the mail and they refuse, and wont give me that until i give them my credit card number. they have given my boss information that they should not be sharing with anyone. they have cussed at other coworkers. I looked the comapny up online and cant find them, they refuse to give me their adress. they threaten me with court papers. i am in the process of trying to get ahold of the actual comapny i got the loan from to see whats going on.
I was a victim of identity theft and noticed a collection from CREDIT CONTROL SERVI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT CONTROL SERVI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I opened Bank of the West platinum Master credit card # XXXX XXXX XXXX XXXX with XXXX XXXX XXXX ( VP ) XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ) his email is : XXXX.
I closed the credit card on XX/XX/XXXX and since I have a credit of {$220.00}, XXXX XXXX XXXX has promised me many times that I will receive the check of {$220.00}, but today ( XX/XX/XXXX ) I have NOT yet received the check.
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For last 2 months, I have come in and talked to XXXX XXXX XXXX and other people at Bankofthewest many times but they continue delay the check.
Reference No : XXXX ALL RIGHTS RESERVED Please provide me with the original signed Promissory Note for the account listed above. This note is my property and it was not returned to me. 

Please provide me with a complete account statement for the account noted above from the first day of the account being opened to the last day of the account being open.
I recently disputed a medical charge with XXXX to have it removed from my credit report as it came back verified. I requested documentation to prove this debt belongs to me but I have not received any proof.
I canceled my credit card with XXXX XXXX XXXX over the phone the first week of X/2017 and paid the last payment of {$8.00} on X/XX/2017 because I no longer needed to pay a monthly fee for a substandard {$2500.00} limit credit card since my credit score was over XXXX and I have several other no-fee cards with limits over XXXX.. At the time I assumed that the operator I spoke with did their job and no further interaction was needed, and had received no further contact or statements from them after that last payment was made ... ... A few months later in XX/XX/XXXX I went to check on my credit score and found that it was XXXX so I investigated and found out that XXXX XXXX had not closed my account and instead had kept charging me monthly fees on top of late fees for those fees and had been reporting this information to the top 3 reporting agencies without even contacting me to resolve the problem, so I immediately went to their website to get all the attached documents and contacted them XXXX XXXX/2017 and explained the situation to about 5 different people who did n't speak good english over the course of 5 hours and after threat of a lawsuit was finally was able to get the charges removed and once and for all cancel the card ... However they are still reporting this as a delinquent account for the roughly 3 months in between and claim that they have no control over reporting thatinformation ... I have also disputed this with the 3 major credit reporting agencies and it is still not getting corrected properly ... I take great pride in my credit score and payment history and neither  should suffer due to their incompetence ...
On XXXX XXXX, XXXX and XXXX XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.
XXXX XXXX  removed these accounts from my credit on XX/XX/2016 for amt of {$380.00}, {$190.00}, {$250.00} and were never validated. They also have not sent me any notice as to reinserting this information onto my credit report which is required per If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. I have yet to receive anything. Furthermore, the company is NOT licensed in the state of TN or bonded per the state regulations in Tennessee. You have to be licensed and bonded to collect any funds on collection accounts, as well as these accounts are well over 7 years old!
Went  through  XXXX    XXXX   XXXX   which made an agreement with  XXXX   XXXX    XXXX    in the amount of  XXXX  through the law office which was representing  XXXX   XXXX . Payment made for the first  XXXX  and then the second payment of  XXXX  was made on  XXXX  over the phone to the law office from  XXXX   XXXX . I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from  XXXX    XXXX   telling me I was delinquent. I have spoken to many individuals at  XXXX    XXXX   who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.
On XX/XX/XXXX, I instructed my XXXX bank ( XXXX XXXX  ) to wire {$30000.00} ( XXXX ) to my US bank account ( held at XXXX XXXX XXXX  XXXX in XXXX , Virginia ). Three days later on XX/XX/XXXX XXXX showed up back in my XXXX account. Neither XXXX nor XXXX can give me a definitive answer as to why Wells Fargo ( XXXX 's XXXX XXXX  ) declined the transfer yet still charged me around {$30.00} ( XXXX ) for an incomplete transfer. Both XXXX and XXXX XXXX   advised me to speak with Wells Fargo as neither of them have access to XXXX 's systems. I have reached out to XXXX via XXXX to explain the situation -- they are now fobbing me off without offering to reimburse me the fees charged. I am not a Wells Fargo customer. 

My confirmation # from XXXX XXXX = XXXX, XXXX also gave me the following tracking # XXXX.
I applied for an equity loan on several of my investment properties through Fifth Third Bank in XXXX, Ohio on two occasions. The bank officials misrepresented the equity loan eligibility ; knowingly adversely affecting my credit score ; practicing discrimination in applying the criteria for an equity loan. On or about XX/XX/2016, I applied for equity loan on XXXX properties. I was told my rental income was applicable in establishing additional income. I was subsequently denied because of my credit score was lower than a needed XXXX and my debt to income ratio was to high. Five month later, on or about XX/XX/2016, I applied, this time with far less debt and a higher credit score. I was denied again based on my debt to income ratio as being to high but this time they refused to consider my verifiable rental income. 
Clearly, the Fifth Third officials were simply playing with my time and adversely affecting my credit score to merely meeting certain application quotes and/or they are willfully discriminating against me when considering other equity loan applications, they are approving but denying me.
On XXXX XXXX 2016 I noticed XXXX transactions related to my " Fidelity '' checking that I did not make. The XXXX transactions totaled approximately {$970.00}. I contacted " Fidelity '' and they cancelled my debit card and issued a new one the customer service representative said it would be turned over to their fraud department for investigation. I was advised it would take 10-15 days and a letter would be sent out. I received the letter advising me they determined the charges were valid and were denying my claim. This is XXXX! I was no where near where these charges were made. I 've called the card services number XXXX ext XXXX XXXX ) and my phone calls have gone unanswered. I called the fidelity service and was told that they would have someone call me. The XXXX charges that were processed and that I am disputing areas follows : XXXX # XXXX XXXX, CO {$860.00} XXXX XXXX # XXXX XXXX, Co. {$96.00} XXXX XXXX XXXX # XXXX XXXX, Co {$18.00} XXXX # XXXX ( XXXX ) XXXX, Co {$3.00} I noticed these on my account on XX/XX/XXXX and contacted " Fidelity '' the same day. I do n't just have {$970.00} laying around to pay bills and not sure what their investigation revealed or how they could determine these were valid charges. Their not valid charges and I did n't make them. I 've been trying to contact them so I know what their investigation found. For instance what was the date and time of the transactions, what was purchased at XXXX that cost {$860.00}, what did I purchase at XXXX XXXX for {$3.00} is this for real? Not to mention the XXXX {$96.00}. Then the charge for the XXXX in XXXX, CO for {$18.00} since I 've never eaten at XXXX. Let 's just say I 'm XXXX with Fidelity and will be moving all of my accounts to another financial institution. In the meantime I need to recover the {$970.00} to pay bills.
Please see attachment of supporting documents/Credit Files showing XXXX XXXX XXXX account # XXXX before and after deletion. Also, please see CFPB previous case # XXXX for additional information. 

Please immediately remove the XXXX XXXX XXXX account # XXXX, which was previously deleted and re-inserted. I 'm also requesting an updated Credit File reflecting the deletion of this re-inserted account.
Date:XXXX17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA this item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX
I was a victim of Identity Theft. I filed a Identity Theft Affidavit with Transunion, XXXX and XXXX. Their is a Bankruptcy on my Credit File that should not be there as I have never filed for a Bankruptcy. 

XXXX removed the Bankruptcy however Transunion and XXXX refused to remove it, AND ITS REPORTING " TWICE '' AS A DUPLICATE. 

I contacted the Court and they informed me that they do not have a Bankruptcy that matches my ID. 

They also informed me that they do not and did not report to any Credit Bureaus because the Court does not report to the Credit Bureaus. 

HOW CAN XXXX REMOVE THE BANKRUPTCY AND TRANSUNION AND XXXX DO NOT????
We fell behind on making payments with the company since I am only paid once a month now. We have informed the company that we can only make payments once a month and will eventually get caught up. The have called my husband 's work multiple times even after he told them to stop calling because he can not take personal calls at work. The woman he spoke with today threatened him and said she would call his work everyday until we are " caught up on our bills ''.
this loan company me almost 7days a week XXXX times a day. I know i owe them for my debt but harassing me constantly is just starting to upset me
The XXXX XXXX account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for XXXX. Please assist me in getting this account removed from my credit file.
To Whom It May Concern, I am filing a complaint on Fifth Third Bank regarding there was no contact to me, XXXX, who is owner of XX/XX/XXXX XXXX. Fifth Third Bank has claimed I was contacted by them regarding my vehicle loan being behind and they were going have vehicle reposed at listed phone numbers below, I was never contacted at these numbers. 

cell phone XXXX house phone XXXX work phone XXXX Fifth Third Bank Loan Number : XXXX Believe me this would have NEVER happen if I had been contacted, I am requesting this repo expunged from my credit report. The funds were immediately paid at the local Fifth Third Bank paid in full soon as I realized the delinquent payments. 

XXXX from Fifth Third spoke to my husband XXXX on Wednesday, XX/XX/XXXX approximately XXXX while I was at work. Before XXXX I was able to speak with XXXX on XXXX behalf who was stern and rude. When XXXX did finally contact me on Thursday XX/XX/XXXX at my home number I left on her voice mail approximately XXXX " after the fact '' XXXX was asking for " my '' contact phone numbers for verification, however, XXXX nor any employee from Fifth Third Bank contacting me regarding the behind payments on my XXXX XXXX XXXX. It was my husband, XXXX, who Fifth Third discussed this issue with. I then gave XXXX my cell phone XXXX, and. Fifth Third did not contact " me '' personally at any of these numbers to advise my loan was this far behind or it was scheduled for a repo. 

Fifth Third Bank was contacting my husband, XXXX, at XXXX. No one from Fifth Third Bank has ever spoken to me, XXXX, or tried to contact me regarding this schedule repo. I truly had no idea my vehicle loan was behind, the I then gave her my cell phone XXXX, house phone XXXX and work phone XXXX. Fifth Third did not contact " me '' personally to advise my loan was this far behind or it was scheduled for a repo. 

I am desperately trying to get a better paying job and can not have a repo on my credit report. Please have mercy and take this off my credit report. 

Thank you in advance for your assistance, it is greatly appreciated! 

XXXX XXXX 
XXXX, MI XXXX XXXX XXXX cell XXXX home XXXX work
They have repeatedly advanced my due date when I made extra payments. And they take 3 to 5 days to " extract '' or " pull '' the payment from my auto pay account so every month when the payment is due, my account show it 's not been paid until 5 days later and I and my family freak XXXX out.
I have a personal loan with Wells Fargo and I was out of the country for a funeral and my personal loan fell behind. Wells Fargo discontinued my debit card while I was overseas and took all my funds from both my checking and savings leaving me without no funds without sufficient notice and failed to refund the money when i asked them why they took all funds from my account. I had no money for rent and my direct deposit check was seized as well.
I open a checking and saving account due to there is {$400.00} bonus when I deposit XXXX for 3 month on XX/XX/2018 After 3 month I receive a system email confirming I met the requirement and should be able to see the money within One month. 
However when I check my bank account after 33 days, my checking account has been closed without my permission.Of course there is no bonus.
I do not receive statements/bills or any other documents from SallieMae. This has been going on for a year and is still not fixed. My XXXX 2016 statement was not even sent or generated on my account in a PDF for me to view, so my payment was late. I 've called numerous times and the customer service people just ask questions, procedure I get it, but after that tell me everything looks fine. I 've changed how I receive information to paper form and that has not helped, in fact XXXX 2016 should have been the first paper form and as I said, that was never sent. The representatives become rude when I get upset and it seems that they no longer want to help me. They just tell me to pay my bill, even though my date was changed with my XXXX loan and I was not notified. My tax for went to my co-signor instead of me which I was told should not happen. I should receive statements, no questions asked. I was not charged late fees, but am still upset.
XXXX XXXX XXXX XXXX Payment History Changed 93 % 100 % On-time payment percentage as of XX/XX/2018 On-time payment percentage as of XX/XX/2018 Nice! It looks like your payment history was updated or corrected. The more on-time payments you have, the better. 

The XX/XX/2018 payment status for your XXXX XXXX XXXX XXXX automotive account was updated from " 30 days late '' to " current ''. 




This is what my report read recently, yet recently the late payment was re-inserted and I was not notified within 5 days and in writing which is F.C.R.A. law I want it removed, and not re-inserted again ... as I have provided proof, a letter from XXXX XXXX, and was told that you need to update your records ... and refrain from using XXXX outdated verification and refrain from stating that they verified when they did not ...
When I get my credit report on XXXX, after I entered my information and the report has someone else 's credit report such as XXXX XXXX or some other loan. I 'm an XXXX and I came to US from XXXX 2013. I only have XXXX cards these years and never use loans or other cards.So it 's definitely not me. Today I applied for an XXXX card and would like to see my credit history and I found that problem. So may I ask someone to help me check my credit report and fix it? Thank you so much in advance.
Citibank agreed that two charges to my credit card were fraudulent. One they credited to my account and the other one they have failed to credit to my account and despite agreeing that the charge is fraudulent they will not remove it and I am still liable for it. They replaced the initial card to avoid further fraudulent charges. I complained today and the initial complaint was made on XX/XX/19. The amount is {$88.00}.
I went to XXXX XXXX dealership on XX/XX/XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XX/XX/XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XX/XX/XXXX, I call the Toyota dealership and they said they could not remove these inquiries from my credit report. Toyota made car loans applications on my behalf without me knowing. I also called the financial institutions Toyota made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. Toyota Corporate and Financial department refused to, claiming they could not do anything.
I have been trying to obtain a credit balance statement from First Progress Credit. I have asked nicely, put what I needed in writing and submitted it. I have also spoken with the credit dept, managers and customer service. all I been told is its not their policy. From what I understand and I may be reading the fair credit act wrong. Though the fair credit act states that at anytime a consumer can obtain a balance statement. I am trying to get a mortgage and the company wants something from First Progress directly. They have out and refused to give my information.