WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX XXXX XXXX partial account # XXXX ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX   is three years. Based on the information reported to all three credit bureaus this account was open onXX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXX further more confirming the statute of limitation in XXXX XXXX  of three years. A copy of credit report is attached.

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.

XXXX XXXX
I have informed you that the XXXX account that is reporting as a collection on my credit file do not belong to me. This account is a result of identity theft. Please remove from my credit file, immediately. Please find police report attached.
chapter XXXX bankruptcy listed on my credit file was disputed by me. Transunion claimed to have verified the listing. I asked by who was the information verified by, got no response. It is the united states bankruptcy '' s court policy not to verify any information for a third party including credit bureaus.
XX/XX/XXXX I initiated fte payment from my XXXX XXXX to wells fargo in amount of XXXX. It arrived into wells fargo on XX/XX/XXXX. They have placed a hold on the payment for 14 days they state amounts over ( a certain amount ) are held for 14 days before release into the account. This amount was removed from my XXXX acct and credited to wells fargo - they acknowledge having it but will not clear my account. I have escalated this to senior customer service at wells fargo none of whom speak clear english I never did get an answer as to why it takes 14 days or what the magical number is that then indicates they place your money into the hold. Wells fargo clearly have not learned anything from thier recent bad press about customer service!
I have received rude and threatening calls from a woman named XXXX who works for IQ Data ( XXXX ) She has called and harassed me for about 2 months about a debt that I do not owe. Calling my place of employment, speaking with employer and also calling my work phone numerous times. I do need this harassment.
on XX/XX/XXXX i processed a payment thru my Bill to Pay in my Bank of America on line account and it should of been processed due to the bill pay calendar on the bill to pay XX/XX/XXXX i log in on the XXXX and nothing it did not process but there was no update of it that it was processing or pending failed decline etc ... .. so i went ahead because its the second time i encounter a problem with the bill to pay BOA i just instead went to the XXXX  and paid thru their website and in person because i cant trust BOA . so i always every single day log in to my online to make sure its all ok and nothing crazy happens or i get overdrafts or anything. Yesterday XX/XX/XXXX all day i had a balance of like {$690.00}. close to that amount and im mean all day because i even paid my cell phone {$350.00} at about XXXX or XXXX XXXX  and it went thru fine no problem.. all of sudden i wake up next day morning XX/XX/XXXX and im overdrawn {$1400.00} i was shocked it was XXXX how can this be. i check and its the first transaction that was suppose to get process on the XX/XX/XXXXaccording to the calendar in BOA bill to pay it got processed on the XXXX supposedly the bank and when i called first rep said that on the XX/XX/XXXXit failed because my account was short {$9.00} they didnt honer it i request a SUPERVISOR and she comes at me that the check gets mailed on the XXXX and its up to the XXXX when they decide to cash it and i just let it be bacause at this ponint ive woken up everyone at my house with the screeming and yelling. with BOA you will never win a customer will always be responsible i didn't belive a word she said and i was also due to that charge overdraw fees of {$35.00} and she only refunded 1 i can not express my disgusting word against this back here is in their own words from their own website what happens when u schedule a bill payment ( When you make a payment, you select the payment amount and the date on which you want your Pay To accounts to receive the payment. The funds will be withdrawn from your account accordingly. ) i also took this down from their own website and from the Bill to pay ( After a payment is scheduled, it appears as Scheduled on the Payments Overview screen. After the payment is processed, the status changes to Processed. The Pay To account will receive the payment by the Deliver By date. Sometimes, however, it can take a few days for a Pay To account to credit your account. ) AND IT CLEARLY SAYS HERE IT WILL GIVE YOU UPDATE OF THAT STATUS OF THE PAYMENT AND CLEARLY IT DIDN'T AND THIS SUPERVISOR WANTS TO BRAINWASH THEIR CUSTOMER WITH POOR INFORMATION SHE SHOULD BE FIRED FOR GIVING FALSE AND FRAUD INFORMATION TO THE CUSTOMER TALKING ABOUT THE CHECK GETS MAILED SHE SOUNDED SO PATHETIC
On XX/XX/2018, I sent {$50.00} to my niece in XXXX, XXXX. My niece is XXXX XXXX. The agent gave me XXXX as my confirmation number to give the receiver to pick up the money. When the receiver went to get the money, MoneyGram refused to give her the money saying the confirmation number was invalid. The receiver reached out to me and I called MoneyGram on Saturday, XX/XX/XXXX. The MoneyGram agent informed me after verifying my personal identifying information, that the confirmation number was not valid. she refused to give me the correct number saying that I needed to go to an agent location with a valid ID. I did. I visited the XXXX XXXX XXXX store on XXXX XXXX XXXX, XXXX, TN XXXX. I explained the purpose of my visit and the agent called MoneyGram. MoneyGram decided to issue a refund and provided a refund confirmation number - XXXX. However, I could not get the money. MoneyGram informed the agent that I needed to travel back to XXXX, GA to pick up the refund. I live in XXXX, TN and was visiting XXXX during the XXXX Holiday. I explained that I was unable to go back to XXXX. Even the store agent tried to explain to MoneyGram via telephone that I do live in XXXX and that she has verified my information. But MoneyGram refused and insisted that I must go back to Georgia. I left the agent location without getting my money back. 
Today, I called MoneyGram to resolve the issue. I spoke to the escalation department and told them the issue I was having in getting my refund. The escalation Department informed me that it would not be an issue to make a change from Georgia to Tennessee in order to get my refund. They advised that I needed to go back again to the agent location and let them call the escalation department so as to give them instruction to process the refund. I drove back to the agent location on XXXX XXXX and the agent called MoneyGram again from the store phone. I heard the agent informing them that the customer does live in XXXX. She asked for my ID and I provided my Tennessee Driver 's License and she gave it to MoneyGram over the telephone. To my dismay, MoneyGram still refused to give my refund but insisted again that I needed to go back to Georgia where I ordinated the transaction. Even the store agent argued that she did not see the rationale why the customer must go back to Georgia. MoneyGram refused and ended the call somehow impolitely. I called the escalation department again but I could not get any help to get my money back. I informed them that I would file a complaint with the CFPB. This is what I am now doing. Please help me get my money back.
XX/XX/2018 Co.Rushmore loan management services located in XXXX Ca XXXX. My name is XXXX XXXX from XXXX Illinois address XXXX XXXX XXXX XXXX XXXX. I called today asking for a A home equity loan or refinance this company couldnt provide neither one they said stop doing it in XX/XX/XXXX of this year XX/XX/2018. This Co.Never sent no email phone call or mail that they were stop providing this Service and didnt know if they were going to ever do so again something has to be done about this problem
THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information
I was leasing car ( XXXX XXXX model XX/XX/XXXX) from Nissan Motor Acceptance corporation. My lease was ended in XX/XX/XXXX. At the end of lease, I contacted them for end of lease instructions by phone. Nissan customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. Nissan reported to 3 credit bureaus 60 days payment late. I contacted Nissan they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from Nissan on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, Nissan itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!
I reported the credit reporting company as XXXX on my complaint when actually it was Equifax : I paid off a higher credit card balance with XXXX that had a much lower interest rate. Equifax added the balance paid, to the lower interest rate credit card but did not remove it from the higher XXXX resulting in my appearing to owe {$4200.00} more than I do. This resulted in them dropping my credit rating XXXX points. I would like my credit rating restored to the XXXX that it was. Thank you.
I have contacted Navient about the account reporting a balance every month when it is a closed account. They report and update the account every week. So I called back and tried to just pay the {$65.00} the rep said XXXX see whats going on with account and call me back he wouldnt let me just pay and he acted as if he couldnt find the account
I have written numerous complaints, so that the court will be replete of the efforts I've made to fix this situation. Experian continues to report a fraudulent account despite the fact the other two credit reporting agencies have BLOCKED the account years ago. Experian originally did, for some 3/4 years and without notification unblocked the account. I have substantial proof they violated the law, I am at wits end with trying to remedy this issue. Additionally I've spent XXXX on attempting to fix it. I have receipts and am a member of a class action initiated with Experian and will recoup my Funds. This XXXX XXXX XXXX account is patently illegal and Experian had blocked it once and now for reasons they refuse to provide will not causing me irreparable harm.
There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation
Communication, dated XX/XX/XXXX, was sent to my employer, regarding a debt from 2010. There were several inappropriate and/or illegal statements in their communication. 
1. They state very clearly that they are attempting to collect a debt and go on to list the amount owed and the date of entry. ( FDCPA [ 15 USC 1692c ] 805 ( b ). 
2. The list of questions that they demanded answers to went well beyond what is allowed and included, but not limited to the following : a ) NAME OF MY BANK AND ACCOUNT NUMBER, b ) NAME AND ADDRESS OF CREDIT UNIONS AFFILIATED WITH MY EMPLOYER, c ) LIST OF ANY CURRENT ATTACHMENTS AGAINST MY SALARY, TOTAL NUMBER OF ATTACHMENTS, NAME AND ADDRESS OF EACH CREDITOR AND BALANCE DUE ON EACH ATTACHMENT. 
d ) IF I BELONG TO A UNION, NAME & ADDRESS OF UNIOIN AND MY CURRENT ID NUMBER. 
e ) SSN, job title and department f ) gross earnings 3. The debt is beyond the statute of limitations. 
4. I have never received any written communication from them or an accounting of what they claim I owe.
XXXX XXXX XXXX XXXX loans was transferred to another company. all were transferred and there should be no late payments the loans were all deferred so there should be no negative impact as showing on my credit report. 

I need from Experian proof from XXXX XXXX XXXX XXXX that this loan was late and how considering the loan was in deferment the whole time of the loan. So there are errors on Experian reporting of this loan
My mortgage was sold to Loancare and the immediately increased my payment to {$1500.00}. My previous payments were {$760.00}, with XXXX XXXX XXXX, who sold my loan to Loancare, LLC of XXXX. I had filed a complaint with the XXXX office. The terms of my loan have been completely changed. I 'm now being billed at the rate of XXXX. My interest payments are higher and my principle payments are lower. loancare has illegally rewritten the terms of my mortgage. Please review my case and inform me of any pending class action suits against Loancare. 
sincerely, XXXX XXXX
I was under that protective XXXX  Credit reporting agency " XXXX XXXX '' which they contacted me by email that there was a change on my report, that ' when i seen all these little amounts of {$42.00} {$56.00} {$31.00} & so on which i have never received or had any out standing balances of those amounts.After gathering info on who filed that on my credit report, i found out it was Credit Systems International, the actual amount filed with them that i owe is {$190.00}, not these small increment amounts! They are filing false amounts to make it look like i have all this debt i owe. Credit Systems has made no attempt to contact me. I feel at the least that it is unethical & or guidelines or laws have been broken.

Including the fact that XXXX is aware of this practice! 
The mailing address of Credit Systems International is : XXXX  XXXX XXXX XXXX, Texas XXXX, their phone number is XXXX.
In my letter dated XXXX/XXXX/2015, I disputed a Judgement on my Trans Union report. I received notice XXXX/XXXX/2015 that it was deleted from my report. 2 days later it was re-inserted back on my report. I have contacted the court listed and they have no judgement rendered under my name! I want this DELETED from my report!
Upon reviewing my credit report I noticed accounts from PHOENIX FINANCIAL SERVICES placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. 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 allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medicalinformation to PHOENIX FINANCIAL. I requested FULL documentation of what was received from  the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. XXXX has NOT complied with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FCRA.
On XX/XX/XXXX, I sent a letter to Credence Resource Management requesting validation, not verification of a debt they claimed I owe. In this letter I requested that they send me a list of items to validate this debt in reference to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 { b }. I received quite a bit of letters from Credence Resource Management stating that they validated the debt as accurate ; however, they failed to provide me with the proper documentation to support this accuracy, but instead they continued to send me an itemized statement of a bill. This however does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In response to these letters I sent another letter to Credence Resource Management certified on XX/XX/XXXX requesting that they remove this inaccuracy of this debt from my credit report due to the FCRA act stating that they are not allowed to report inaccurate information on my credit report. I have warned them of taking legal actions against them if they can not comply to these regulations. As of XX/XX/XXXX, I have not seen any deletion of this debt and they continue to report the credit bureaus of this unverified debt.
I applied for mortgage loan and found Wells Fargo Dealer Services on my credit report reporting a repossession with a balance due of around {$14000.00}. I never received the proper " right to cure '' required by Colorado law. The XXXX they show as due and owing does not reflect a reasonable effort to sell the car as required by law. I requested they provide documentation of " right to cure '' and vehicle and a bill of sale. They did not provide either and responded with a letter saying everything they reported was correct. The original balance is being reported as around 30,000 and the Blue Book value is XXXX as of late 2010. Wells Fargo has not provided information requested, did not make a reasonable effort to sell the car for its true value and has not met the burden of reporting complete, accurate and verifiable information. I have attached copies of all communication and the Kelly Blue Book Value at the time of sale.
I received a letter from Citi Mortgage , Inc. On XXXX/XXXX/16 informing me that they are transferring the servicing of my loan to XXXX XXXX XXXX XXXX The effective date of transfer is XXXX/XXXX/16. 

Law requires both the old and new servicer to provide no less than 15 days notice before the effective date of transfer. As of today, XXXX/XXXX/16, I have received no notice from XXXX XXXX. Citi only gave me 13 days notice. 

Also, I was approved for a loan modification by Citi effective XXXX/XXXX/16. I have asked for a signed copy of the loan modification and for whatever reason, they will not provide it for me.
I am completely XXXX off with American Express.Their XXXX everyday card is supposed to be good but the way they handle their customers is horrible.I have been almost harrased by them.I recently moved in from XXXX to XXXX and changed my address on all my bank accounts and then applied for the card with American Express.I applied on XX/XX/XXXX.After 15 days because there was no reply i followed up with them.They said your address doesnt match and hence send us a signed bank letterhead.They wasted 15 days here and didnt care to even tell me if it wasnt for me to call them.Next thing i got it from my bank and immediately faxed them twice just to be on the safe side.After following up with them for 10 continuous days ( I am not even exxagerating ) and speaking to countless agents and their managers still i get the reply that they havent received it.So now i mailed it to them via USPS and it has been delivered on XXXX I called in today on XX/XX/XXXX and still they say the same thing.Nothing has been received. I have been literally mentally harrassed, tortured by calling them daily and speaking to some really rude agents who make fake promises of call back.I dont want anyone else to go through this trauma.I am definitely not going to receommend AMEX to anyone and even if my card comes through do you really think i will use it, i will promptly send it back.I asked them that i have waited for 40 days, i want a credit reversal on this, for that also they arent agreeing.You can check their call logs which were recorded for quality and training.
Someone used information to obtain XXXX XXXX XXXX   account # XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX account XXXX on XX/XX/XXXX, XXXX XXXX account # XXXX on XX/XX/XXXX
American Express has taken away our rewards points by closing our account. I have made several inquiries, all of which are ignored with no response. They closed our account one day prior to the pay by date that is only 14 days from their closing date each month and even prior to us receiving the current bill. We had a dispute over a paid unauthorized charge in this account, and we had actually arranged payment for the dispute plus all new charges the same day the account was closed by Amex. In their arrogance the state we do not make our required payments each month, and this is not true. We paid all new charges in full that we actually charged and sent them a spread sheet proving that. The only amounts left unpaid were disputed amounts. As an act of good faith we paid the disputed amount on our account of {$3400.00} that consisted of an unauthorized charge of {$2100.00} paid by American Express with our authority to pay and {$1700.00} of unexplained additions to our total charges summary that began in XXXX 2013 and grew from the original unexplained amount of {$260.00}. We will pay all incoming charges left on the account prior to the next billing cycle closing. Since the amount we will have paid by then will be over {$13000.00} we would like our rewards points at that time.
My complaint is stating that the Public Record Information was inaccurate in its filing. By law the term " Dismissed '' means that it is adjudicated by the law. When I initiated the case it concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years this is against consumer law. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.