WillisBack/dataset-financial-user-claim huggingface dataset:
I 've tried numerous of times over the coarse of 2 months to alert The Collection agency EOS CCA that ive paid the balances that i owed them with a settlement amount that closes the debt. They keep reporting to XXXX and XXXX as a open degeragorty which is extreemly hurting my score. They keep saying they are gon na fix it but they have n't fixed anything as they promised. I 've been denied credit because of this open degeragorty. They are reporting it wrong..
I discovered when I purchased a vehicle earlier this month that Home Depot listed my account as being past due by 90 days back in XX/XX/2015. I checked my email to see if they sent me monthly statements and there were no statements. Only when they notified me they were seeking a judgement against me did I receive a statement. It is the one and only time that I was late on any credit card payment, and it is affecting my score. Home Depot continues to let me use my credit card in their store, so they don't mind me using their card. I request this action on my credit score be removed and my credit restored to what it was before this unfortunate lapse in memory and their lack of sending me a monthly statement.
In XXXX of 2008, my husband and I sold our home to a third party. The lawyers for the buyers failed to payoff our mortgage and allowed the buyers to assume our mortgage. Subsequently the mortgage went into default and the mortgagor XXXX XXXX XXXX foreclosed the property. I have filed a lawsuit against XXXX XXXX XXXX and the buyers.
After survivng Hurricane XXXX and XXXX oil spill, predatory company LVNV Funding LLc sued me, won and now garnishing my paycheck for $ XXXX/month. They stated that they bought a 15 year old XXXX XXXX credit card debt that I was paying every month. Because I refused to pay them three times what I was paying XXXX monthly, they hired a local attorney and sue me in XXXX XXXX Court. 

I missed the court date and could not afford an attorney because of work. So, the judge favored them without my defense. 

What can I do to stop this illegal action?
XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
TransUnion has incorrect balance owed on 3 credit cards that were closed. XXXX XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$150.00} All 3 credit cards were closed by me because all 3 committed Fraudulent Fees to my account. <P/>I want my Credit Report to reflex the correct balance owed on all three credit cards accounts that were closed. <P/>XXXX XXXX XXXX
It has recently been brought to my attention that my information has been shared on the internet and on the dark web. This information was given to me through XXXX XXXX, a XXXX XXXX service. As a result of this information there have been numerous hard inquiries associated with my name and social security number. These inquiries include, but may not be limited to, the following : XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XXXX  XXXX, XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX - XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks
I opened up a chase freedom unlimited account on X/XX/17 with a credit line of XXXX, i made some purchases for XXXX. I opened up a chase freedom account a few weeks after with a credit line of XXXX which i never got to use because chase bank closed down both of my accounts. I did not know my accounts we 're closed until my cards got declined at the store. I called chase to see what was going on and they said my cards had been closed. I received a letter stating why the accounts were closed and it said due to rapid increase in revolving credit, and not enough credit information on file. I called and asked them why did they open up not one but two accounts if that was the case, as well as i didnt know i had to spend a certain amount within a certain amount of time. I have credit history on file, so i am not understanding why they would close both of my cards down which one i never used. I feel as though i was targeted for some reason and chase should be ashamed of themselves.
I have it in writing that after spending  XXXX  dollars in 3 months, that my annual fee will be waived.     I have this promise by  XXXX  and  XXXX  and it is documented also.     I called in at  XXXX  and was told not  one  thing is in the notes by  XXXX  on  XXXX  at  XXXX  and she was also so rude and even said there are so many notes on your account and you call in all the time like I have no right to be helped.     She told me to I had to go and pull the letter for proof to her and was so rude and said I needed a date as she did not wish to go through all of my notes. She basically poked fun of me in many ways and when I asked her to talk slower, she had an attitude all the way.     I then was forced to call back and the offer is noted on my account effective  XXXX   XXXX .     Please look into this on the rudeness of  XXXX  please.
XXXX XXXX XXXX - XXXX XXXX XXXX DISPUTES THIS ACCOUNT INFORMATION XX/XX/XXXX {$550.00} OPEN ACCOUNT {$550.00} COLLECTION ACCOUNT XX/XX/XXXX {$550.00} This account should be closed not opened because they charged an overcharge for am agreement not legally appropriate since I never signed to extend my offer.
I have contacted Experian and XXXX regarding the inaccurate information and have gone through the dispute process. I am attaching the information that I have provided them with regards the accuracy of their reporting. I also have illustrated the XXXX is antedating the account past 7 years to reflect a different first date of delinquency and is reporting to other credit agencies. I have another account on the Experian also from XXXX that would have a different First date of delinquency other than currently reporting extending past the 7 year mark. I am attaching the information from the Furnisher, XXXX, and other court related documents to reflect accurate reporting or in some cases complete block and deletion. The letter I drafted addresses what my requests are in detail for further review.
My wife is currently enrolled in the Public Service Loan Forgiveness ( PSLF ) Program, and has been working at a XXXX ( XXXX  ) XXXX since XX/XX/XXXX. In XX/XX/XXXX, she submitted an employment certification form to verify her umber of qualifying payments to then be 22 in total. XXXX instead recognized 12 of these payments. The discrepancy relates to the transfer of her loans from XXXX to XXXX when enrolling in the PSLF program, not any disqualifying factors for the loans held. They are the correct types of loan, are consolidated, and she has been making appropriate and timely payments. 

On XX/XX/XXXX, we called XXXX to fix the issue. The customer service agent agreed it appeared all of the payments should be qualifying, and flagged her account for a fuller manual review to rectify the number of recognized qualifying payments. We were told this should take 90 days. On XX/XX/XXXX, we called again. We were told that it actually is a 60-90 days window, but that there is a backlog of reviews, so it could take longer, and that we should call by XX/XX/XXXX if the account didn't appear correctly online before then. On XX/XX/XXXX, we called and were told that the agent can see the review as pending in the system, that it still has not been completed, and that the backlog is between 4-5 months, and to call back " in several weeks ''. We are now at 133 days from the date of original follow up, and even further past the original date of form submission ( XX/XX/XXXX ). We have no resolution, and no one can tell us when we can expect any resolution.
Hello, I am writing a complaint, due to your false reporting of information on my credit file. There are  XXXX  judgements appearing on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the se e the county cle rk and had a conversation with a court representative. I asked him, " How is it that  XXXX  or Experian or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to conta ct the County Clerk a nd they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any judgement cases. So, I say to you, how can Experian or  XXXX  or a third party information gatherer, get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/las t 4? Y ou are reporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove them immediately or face a lawsuit. Here are the judgements in question  : 1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgment  2 .  XXXX   COUNTY CIRCUIT COURT   XXXX   XXXX   XXXX   XXXX   XXXX  {$10000.00} Unknown Judgment I have  XXXX  judgement that says " satisfied '' with a balance of {$9700.00} ( that can not be accurate since satisfy means paid in full ).     I have the other judgement that says the status " unknown '' .This is false information because the status can not be accurate.
My Identity Information has previously been compromised and used to open several accounts and Inquiries without my permission. These are just some of the accounts that were opened that I do n't recognize.
Source Receivables Management/ XXXX Date Opened XXXX XXXX, 2017 {$220.00}
ON XX/XX/2018 I mailed in a request for investigation to EQUIFAX regarding the collection account XXXX XXXX account XXXX.My dispute centered on that I had emergency XXXX   coverage for the service provided by the original creditor.The response is as attached.The fraudster creditor with EQUIFAX HELP have attempted to steal more and damage a low income person.XXXX XXXX has changed the account number, upped their fee, changed a few dates and created a second account from the first one, leaving both wrongfully appearing on the credit report while ignoring my dispute ... it has only been ten days today since the dispute was mailed to Equifax, so it appears no research was done only compounding the wrongful damages to me.
There are several inquiries on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with TransUnion. TransUnion has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked TransUnion to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and TransUnion have failed to provide me proof that I authorized these inquires. TranUnion has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. I have sent Transunion multiple written request with documentation showing I did not authorize these companies to pull or view my credit. 

XXXX XXXX - XXXX XXXX, XXXX - XX/XX/XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX
Hello, to may it whom concerns I was running a small company test for less than 90 days before opening my business credit and debit card. There was an incident that happened with my company and the merchant that was involved to receive my payments so they could ship the products to my customers but they canceled the transaction prior when the purchased occurred. 

However, I have contacted the merchant company which was XXXX to asked what happened after a couple of days without my knowledge of knowing what had happened. I recall one of the customer service said the transaction was canceled within 24 hours so which clearly means the products didn't get fulfilled for my customers.

From this point I'm confident that they will release/refund my money which they did, they simply refunded within 72 hours. So which means banks release the money within 3-5 business days to my account.

I have waited for more than 10 days, I was like maybe something went wrong with the merchant so I contacted them and they said usually this takes 3-20 business days, so I'm satisfied and moved on with my month, 30 days passed and still, nothing is happening. I definitely contacted the bank and told them that I still didn't receive the money. 

I filed a claim dispute on XX/XX/XXXX. The bank reached out to the merchant on XX/XX/XXXX. Literary the bank took that much time to reach out, their word was " 90 days '' to get this solved. 90 days passed around XX/XX/XXXX, and they said : " we have to wait until 90 days for the merchant to get back to us. '' What totally made me reach out to you guys was, this has been almost more than 100 days since when they said " 90 days '' for the consumer, not the merchant. 

I would like my funds back. All I wanted was them to push that button and release my money to my account since the merchant already refunded me. I lost my trust with Bank Of America, I would like you guys to come in and help me with this case because they clearly give zero XXXX for the customers. 

Thank you,
We submitted a contract for a short sale to Ditech early XXXX 2015 and after close to 4 months of attempting to get someone to work on the file we submitted a complaint to CFPB and was finally contacted by Ditech and they escalated the file to be worked on. We received an approval for the Short Sale on XXXX XXXX. By this time the buyer decided to walk after waiting too long and extreme deterioration of the property. We put the property back on the market and received another offer ( same as the previous ) and submitted it with new paperwork all over again. Since we have submitted the package, no one will respond in reference to status or as to whether or not anymore documents are needed. I have sent email everyday for the past 2 weeks and called but to no avail. This is just the most frustrating process with this particular bank and it just never ends!!!!!
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXPORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Acct # XX To Whom It May Concern : This letter is regarding account # XX, which you claim XXXX. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX SSN : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
I have been repeatedly receiving calls from XXXX XXXX. The number is XXXX. 

I think I have spoken to these guys before and told them I have never had any credit card with these guys, but they keeping calling for some debt that I have no information about. 

It has been a little excessive lately. Sometimes the calls are coming from an unknown number. A lady called me very recently and left a voice message with a call back number and extension : Phone : XXXX Extension : XXXX Kindly step in and help. I do n't really know these guys and do n't want to waste my time with them arguing about something that never existed.
I had submitted a complaint XX/XX/XXXX regarding Fed Loan Services inability to adjust my loans to a level where I could afford to pay on income based repayment after my account was direct debited for {$1200.00} vs the {$800.00} I had been paying. For a period of nearly 6 months ( XX/XX/XXXX- XX/XX/XXXX ) I was induced to put my loans into a general or hardship forbearance so that the reviewers could adjust my loans. I was told that had no choice but to be in forbearance and was not able to make any payments during the adjustment period. Each month they adjusted the loans to a total level that I could not afford. I would get conflicting emails and invoice in the mail stating what I would owe, stating that I had past due amounts, stating what I had to pay the following month. Each time I would call frantically trying to figure what was going on, only to be told I had to extend my forbearance. I am asking that the due to the Servicer 's inability to adjust my loans during a 30 day period, that any additional interest recapitalized be forgiven. I have spoken with the Servicer 's office ( XXXX XXXX XXXXXXXXXXXX, XXXX ) several times XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX when she has reviewed my file. Each time she does not understand the context of my request for relief and each time she states that she will re-review my file for the relief as she did not earlier understand my request. It has been almost 5 months since my last correspondence with the servicer and a year since my initial complaint with no summary of what is being done to close out this complaint. I would appreciate the CFPB/Ombudsman intercede on my behalf to drive a resolution and closure.
I went to use my Visa debit card on XX/XX/2018 at my local hardware store. My card was declined. I then went home, logged onto my banks website and noticed purchases on my account that I did not make. I called the bank, they informed me that suspicious activity on my account hat caused them to freeze my account, that I needed to go to a local branch office to open a dispute. I then went to the bank, open a dispute, but I had to wait until all of the charges cleared my account, all the while incurring over draft charges because I transferred all of the money out of the account as to not incur further illegal purchases. The bank sent me a letter in the mail saying that they had investigated my claim and fount that all of the questionable charges that that caused them to freeze my account were authorized transactions. They were not. So I went back to a local branch and had the open the dispute back up and to investigate again. A week later I received another letter stating that my second dispute had been declined because they had found that one of the charges was actually mine. I told them about that particular charge being mine from the very beginning. So thus far they have refused to credit my account back with these charges or the over draft fees that I was charged during this period. This is a business account that I have had with Regions bank for twenty years. This is unacceptable. They do not answer their help line phone number.