WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, I XXXX XXXX sole owner of landline for 6 years have requested my number XXXX to be removed from your system for XXXX XXXX on multiple occasions and you have failed to comply so I am formally putting my request in writing and have also left a complaint message with XXXX XXXX. I will also be filing formal complaint with the Federal Trade Commision. I requested your business address today from the female representative after I told her I have requested my number be removed multiple times and that this was my home number not that of XXXX XXXX and she told me I would have to find it myself and disconnected the call. You are harassing me and interrupting my work abilities. I have never done business with this company. 


Continental Currency Services , Inc . 
XXXX XXXX  XXXX XXXX XXXX, CA XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Peeved, XXXX XXXX
On XX/XX/XXXX I sent a complaint to XXXX XXXX in reference to a collection account being reported on my credit file. The original complaint was because they started reporting this account on my credit file without giving me a DV. XXXX responded to the complaint via CFPB stating that this was the 1st they heard from, and never acknowledged that a DV was ever sent to me, because IT WASN'T. I then sent a response to XXXX XXXX on XX/XX/XXXX via certified mail, requesting proof that the said account was mine. 2 months later and I still have not received a response from XXXX XXXX. I included proof from the USPS that the certified letter was delivered and its been over 30days and they have not responded or verified proof of ownership. 
Yet again, XXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am now demanding a description of the procedure used to determine the accuracy and completeness of the information being reported. Additionally, I'm asking to be provided with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

1655783.1.2
s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request 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, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681XXXX ( 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 question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 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. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Ive started using Coinbase over two weeks ago as a way to start investing in crypto currency. I followed the steps on their website to set up my account and connected my checking account directly to their app ( as they recommended ). Ive made my first purchase on XXXX XXXX. As the delivery date stated XXXX of XXXX, I had no choice but to wait patiently until the funds clear. To my surprise, after a week of waiting, they cancelled 65 % of my investments claiming my bank is to blame. When I called my bank they said there were no issues or cancellations on their end so I contacted Coinbase again asking for an explanation. Customer service was non existent as I didnt get a reply to my emails ( yes multiple emails ). My bank account was charged for the rest of the transactions I made soon after but still no digital currency. Its now been 4 days since my digital currency was supposed to show up in my account and its still not there. I tried emailing again and still not a single reply! Ive tried reading about others who experience the same problem and was surprised to see how many people are on the same boat. Someone needs to hand it to Coinbase. Companies like that dont need to be in business.
Conns have been calling my number minimum 7 times per day. I have told them in the past 2 calls are fine but this is excessive. I feel I am being harassed and pressured.
Called today with the name of XXXX XXXX at XXXX at XXXX XXXX I answered they hung up I called them back and the XXXX lady started trying to get me to give my personnel info to her before i could find out who she was and who she reprrnted. She finally said halstd financial in XXXX Il. then I asked in what is in reference too and she stated it was a bout a XXXX credit card and wanted me to pay in full today. I told her to send me somethng in writin gto valid the debt and she hung up on me
The company will not tell me what my balance is, how much I have paid, or what interest is being charged. They want me to continue to pay $ XXXX/month without knowing this information. All I 'm requesting is notification of when a payment is received and what is still due. When the debt occurred, I was hospitalized for several months with a XXXX XXXX XXXX. I have no idea what the bill is for. I was XXXX for two years and am finally beginning to get back on my feet.
I am disputing the US Bankruptcy Court of XXXX XXXX Court of California with their office and as well as the credit bureaus Equifax, XXXX and XXXX. The 3 major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.
On XXXX XXXX my sister XXXX and I went into BB & T bank to close acct # XXXX and establish account # XXXX post haste because I no longer wanted XXXX XXXX XXXX to have access to my bank accounts or have any authorization to act on my behalf to financial manipulation and improprieties done against my account. She was placed there when I became ill and was hospitalized and abused power and responsibility and her refusal to even return my property and even debit card to my account warranted establishing a new account. We met with XXXX XXXX and established the new account and informed her of importance of expediting this matter as my {$1700.00} social security direct deposit was scheduled for XXXX XXXX, 2016 would hit the old account but the bank could reroute to the new account. 

She told us and promised it would be completed by Monday XXXX/XXXX/2016 and to call her to make sure that happened on that day. My sister XXXX did and left a voicemail on her phone of which she acknowledged that she did receive. However XXXX XXXX neglected to closed the account or place safegaurds on the old account to prevent further financial manipulation by XXXX XXXX as a result XXXX authorized a webpay {$700.00} against the account on XXXX/XXXX/2016 that hit my account place it in overdraft the BB & T accessed a overdraft fee, then she went into a branch and withdrew {$500.00} against my social security direct deposit on XXXX/XXXX/2016. To date I only received {$470.00} of my {$1700.00} and BB & T have refused to return the balance of {$1200.00} from my social security deposit to me. I am a senior citerzen on fixed income and I have other finanical obligation I need to attend to and I have called several times XXXX and 4 times a day and my calls are not being returned and XXXX XXXX is no longer communicating on the status to refund my money to my account
the company called and did caller id spoofing showing on the caller id that they were with the XXXX county clerks office and said they were going to summons me the following day for fraud for not paying a debt owed to XXXX   XXXX. they gave me an " attorneys number for XXXX XXXX  XXXX XXXX they also gave me an affidavit number of XXXX. When i called the number they threatened that i was going to be served for fraud and malicious behavior to a financial institution and demanded a payment of XXXX via debit card immediately. then when i refused she said she spoke with the " attorney '' she offered for me to pay XXXX/mo for 6 mos. when i then refused that and asked to speak to the attorney she said he would not speak to me. i ended the call. 

The following day i called the number again and demanded their company name as they do not disclose it when they answer the phone. She refused to give it to me and kept asking me who i was trying to call. i asked if they were a law firm and she hung uup on me. i called back and she gave me an address of XXXX XXXX XXXX XXXX. XXXX il. and told me she was giving me notice to not contact them as it was harassment to them. I told her that they were harassing me and they were the ones committing fraud and she hung up on me. I researched the address she gave me and it does not exist in Illinois. it shows as a residential address in Washington. I called the XXXX county clerk and explained the situation. The clerks office said they would report it to the sheriffs department. I wish for the company to cease collecting on debt and provide me with proof of it. i also wish to receive compensation of XXXX for damages. I will also be contacting the attorney general.
I have been with XXXX on the Public Loan Service Forgiveness plan since XX/XX/XXXX. On XX/XX/XXXX I contacted them because on my account it says I have only made 7 qualifying payments out of the three years I've been with them. As of today XX/XX/XXXX they still have not reviewed my complaint and fixed their mistake. They keep saying I am on the right plan, but my qualifying payments are not moving. I have contacted them at least once a month since I inquired about this and I keep getting the run around. At first they said it would be 7-10 business days, after that they said it would be 160 days. I called today which is day 290 and I still do not have an answer. The lady said she would have to email her supervisor and they would get in contact with me within the next 7-10 business days.
I was on a repayment forbearance program. I am on government assistance ; which is what qualified me for the program. XX/XX/2017 I recieved communication that I needed to resubmit my documentation from XXXX to continue my forbearance which I did. XX/XX/2017 contacted XXXX XXXX to ask about a notice I received that they no longer service my loan that it had been sent to collections. I should not have been in default! For the last year or more I was working with a creditor XXXX making {$5.00} payments that I couldn't afford! Point is I should never have been taken off of the forbearance program! Now I'm in a tax offset which will take my hard earned money!! There is nothing stopping XXXX from forcing people into default that dont belong!!
My friend was helping me by co-signing for my residential rental. She obtained both our credit reports from Experian online as a requirement of the rental application. Online it says you will be charged {$1.00} for each report. I thought I was only paying {$1.00}. Then they started charging her credit card ( she paid for me ) monthly for ongoing monitoring that I was unaware we was signing up for. Unfortunately I did not notice right away. It was {$21.00} a month. I called Experian and they said in fine print when you order your {$1.00} credit report you are automatically signed up for monthly monitoring for your lifetime unless you cancel within 7 days. My friend did n't see/notice this fine print. I looked online at XXXX to see if others have this problem. They have XXXX star and XXXX reviews and almost every review says that the customer was fooled into paying for this monthly monitoring service without knowing. My friend has now been billed for this monthly fee for 4 months starting in XXXX. Experian refused to refund the money.
I became aware of a collection issue on my XXXX  and Experian account from a collection agency called receivable performance mgt for a debt {$12000.00} for XXXX XXXX.i have never had a account with XXXX XXXX never received a bill with XXXX XXXX or had a contract with XXXX XXXX..this company is notorious of making fabricating for small amounts and putting it on your credit report ..Then extort the money and continue to keep it on your report, in my case there is no debt..pursuant to FDCPA 15 USC 1692 ( e ) a violation that is premeditated and deliberate. Experian and XXXX simple accept a debt from a collection agency with a dispictable reputation with out any proof of debt, no contract, they simple enter and these two credit reporting agency report it,, in this case it harm my excellent credit..Which is why this company hope will happened and thus the extortion..pursuant to the FCRA both reporting agencies violate this statutes report a debt that did not arise from a contract or agreement to pay, ..In this case I was never notify of a debt, dont know what the debt is about, never validate the debt nor id themselves as to who they are or what specifically the debt is .XXXX and Experian violate the FCRA without any evidence of a debt.
I did a in house financing with Car Cage Motor The apr was set and added on to the loan The loan was a 18 month loan and I 'm 5 months into the loan And paid it off Car cage motor wo n't give me a breakdown for how the apr was calculated I have all the Documentaions for the loan I just do n't want to be rip off and takin for my money
midland funding llc, through their attorneys XXXX XXXX XXXXhave been calling my home number constantly for the past several days, in the afternoon, their phone number is not being displayed on my caller ID, they are in direct violation of Harrasement # XXXX XXXX Paragraphs XXXX & XXXX they are attempting to collect a debt ( credit Card ) that is XXXX years old since XXXX
The following is an email I sent to Corelogic explaining the situation and requesting for our funds to be refunded immediately : I have attached all the documentation for my escrow shortage. The first document is my escrow analysis showing a payment of {$1500.00} on XXXX. The next document is a copy of the check that Corelogic sent. The next document is the XXXX statement from closing showing a payment on the very last page of {$1500.00} for XXXX half taxes. The second payment from Corelogic was received at the County on XXXX/XXXX/15 and the XXXX XXXX XXXX was received on XXXX/XXXX/15. So, there was an overpayment of {$1500.00}. There was a letter sent to Corelogic asking for direction on where the refund should go and I have attached the refund request letter from XXXX XXXX XXXX. The County stated that Corelogic processes XXXX XXXX XXXX 's taxes for them. 
I need this refunded ASAP. My escrow is showing a shortage and my monthly payment on my loan has gone up almost {$300.00} per month due to this error. I ca n't afford the additional payment so I need this figured out right now. I have been trying to resolve this for the last 4 months and everyone is blaming everyone else.
I was in a car accident XX/XX/XXXX and was treated at XXXX XXXX XXXX hospital in XXXX, TN. One of the providers was XXXX XXXX XXXX XXXX, who billed the incorrect insurance for their services. I received a billing statement dated XX/XX/XXXX stating that I owed {$43.00} and I immediately noticed that the insurance company showing as primary was incorrect. 

I contacted XXXX XXXX XX/XX/XXXX and spoke with XXXX who stated she would rebill the correct primary insurance and remove the incorrect one. I checked back with her on XX/XX/XXXX as I had now received a {$43.00} bill from XXXX XXXX XXXX. She told me she would remove me from collections and resubmit again for payment with XXXX XXXX. I updated my address with her and XXXX told me to check back in 30 days. 

I called back on XX/XX/XXXX and spoke with XXXX who stated that the claim had been denied. I proceeded to call XXXX XXXX that same morning and spoke with an agent named XXXX who told me that there was no claim ever filed on XX/XX/XXXX for {$210.00}, which was the amount that XXXX stated. I, once again, called back XXXX XXXX and spoke with a supervisor ( XXXX ) and asked her to remove me from collections, provide proof and I would pay the {$43.00} upon proof. She told me the process would take about 3 weeks. 

Today, XX/XX/XXXX, I called and asked for XXXX, who was not available, and spoke with another supervisor ( XXXX ), who was extremely rude. She stated that the collection agency would NOT recall the collection and that the claim had been denied. She gave me a claim # XXXX and told me to contact XXXX XXXX again. 

I spoke with a wonderful rep at XXXX XXXX, XXXX, who helped me through the many calls that followed this morning. She stated that the claim number given to me by the supervisor at XXXX XXXX was not one of XXXX XXXX claim numbers. We conferenced in XXXX and XXXX advised her that the claim # was not valid. She referred us to the person who denied the claim from the local XXXX XXXX office ( XXXX XXXX - XXXX ). We called that number and it was a wrong #. 

XXXX from XXXX XXXX then got in touch with someone from the local TN XXXX XXXX office that gave her a phone number for the " Plan to Plan '' office, however, I could not be a part of the call, so I had to be on hold. 

XXXX was advised that all the claims that XXXX XXXX sent were to the incorrect insurance carrier ( XXXX ) which I repeatedly told them was incorrect. 

XXXX will be calling me back on or around XX/XX/XXXX to advise me if the claim has been sent to her office for processing. 

I want XXXX XXXX held responsible for the numerous times that they dropped the ball here, resulting in the account sent to collections.
I have been trying to work on my credit and I have not received any mail from XXXX and XXXX
There are XXXX negative accounts that are being reported by Equifax , I have attempted to dispute these XXXX times to get the payment history and payment status updated to reflect accurate information. I also disputed the same information with XXXX and XXXX along with provided the same documentation from the lenders themselves and they corrected the false information. Equifax however continues to damage my credit. I attempted to get assistance on the phone with the dispute department several times and was meant with attitudes when trying the explain the situation, even hung up on. My score is above XXXX with the other CR agencies and sitting at XXXX on Equifax due to their refusal to correct this information. The accounts in question are held by XXXX/XXXX/XXXX and XXXX servicing and were reported in negative payment status, and XXXX XXXX XXXX which was paid off by the XXXX in XX/XX/XXXX yet Equifax continues to report it 's status as a collection account despite listing it as paid like they have in the comments. I was told that my concerns about my credit are irrelevant as a consumer this concerns me. These accounts show as late in XX/XX/XXXX-XX/XX/XXXX
I filed chapter XXXX bankruptcy in XX/XX/2015. XXXX  loans were discharged, yet were resold several times despite that to various collection companies. Each time I have contacted the collection company directly, provided them copies of the bankruptcy and discharge notices. Every couple of months, despite contacting all three credit bureaus directly, they reappear on my credit report. I have to submit a new dispute and start all over again. They are currently with XXXX XXXX XXXX XXXX XXXX, XXXX collecting on behalf of XXXX XXXX XXXX XXXX. They call me multiple times a day, despite paying for and providing them documentation of the bankruptcy and discharge notice from now almost 3 years ago. I am feeling harrassed and my credit is being abused and the credit bureaus aren't helping. I don't want to be forced to take thrm to court, but they won't stop and the law should protect me from this. Please assist! Thank you!
I borrowed money from cashnetUSA on XX/XX/XXXX the amount of {$400.00} and another {$600.00} on XX/XX/XXXX. On or about first week of XXXX I paid the amount of {$100.00}, then after 2 weeks, I paid {$200.00}, then after a week I paid XXXX, then paid another {$300.00} sometime second week of XXXX thinking it will reduce my principal. I was informed that my balance is still {$820.00} after paying {$670.00} in the span of 2 weeks. Exorbitant fees and charges I was not informed let alone agreed on the charges and fees which is incredibly usurious. The company is a corporate vulture preying on vulnerable people like me poor and ignorant. The government should protect me/us against this usurious company.
I applied for a VA refinance loan with XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX. My application was denied because of an INCORRECT report provided to them by Experian XXXX. XXXX XXXX, XXXX, XXXX, XXXX. I had been a ID theft victim in XX/XX/XXXX & notified all XXXX major reporting agencies by certified mail. They also reported that : " serious delinquency and collection has been filed ", which is again incorrect ( I also checked XXXX XXXX! ) because I filed a Chapter XXXX, final on XXXX/XXXX/XXXX. This blatantly WRONG information cost me obtaining a lower interest rate refinance rate! ( I 've been told that a BK should NOT preclude me from a refinance of my original loan! ) Also, I know have discovered that XXXX has been " dropped '' by the XXXX & fined by the FTC? I 'd like EXPERIAN ( the only XXXX of the XXXX major reporting agencies to file a negative report! ) to immediately correct my record! Thank You, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Email : XXXXXXXXXXXX, Ph : ( XXXX ) XXXX. Experian & like agencies do not respond to consumers, or can they be FAXED, E mailed. or called to correct same! Note : XXXX XXXX still advertises on TV!