WillisBack/dataset-financial-user-claim huggingface dataset:
The main reasons for my complaint are described in the fourth and fifth paragraphs below. 

On XX/XX/2018, I received a letter, dated XX/XX/18, from Jonathan Neil & Associates , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX, telling me I had seven business days to respond to the letter or they " may request SUSPENSION OF YOUR DRIVER 'S LICENSE, and also REMOVAL OF YOUR VEHICLE LICENSE PLATE REGISTRATION .... '' The letter also indicated an auto-insurer 's claim number and an amount of damages. The contact person listed was XXXX XXXX, at extension XXXX. The letter I received concerns an automobile accident in which I was involved in XXXX of this year. The matter was resolved by my auto-insurance company. I do not owe any money to anyone from this incident. 

Later on XX/XX/XXXX I faxed a copy of the letter to my auto-insurance company. On Monday, XX/XX/XXXX, my insurance company emailed me a copy of a letter that they had faxed and mailed to Jonathan Neil & Associates asking them not to contact me anymore and to contact them if they continued to have any concerns. 

Also on XX/XX/XXXX, I received a voicemail at my home at XXXX XXXX   from XXXX XXXX telling me it was " imperative '' that I call him before the end of the day about an important matter. The number he left for me to call was XXXX, extension XXXX. 

The main reason for my complaint is that also on XX/XX/XXXX I received  an email from my elderly mother-in-law who lives on the opposite side of the country from me. In that email and a subsequent phone call, she told me she had been awakened from a nap by a phone call from a man who I assume was Mr. XXXX, asking to speak with me. She said I wasn't there. He asked her for my cell-phone number. She said she didn't have it. When she asked him what the call was about, he said it was a " private '' or " personal '' matter. ( She's not sure which of those words he used. ) He asked her to tell me to call him " today. '' She doesn't have the name of the person who called, but the number and extension he left with her match those of XXXX XXXX that were left on my home voicemail that day. 

I do not know how Mr. XXXX found a connection between me and my mother-in-law and then found her phone number, but I assume it was through some internet sleuthing. I am furious that he called her at all, and that he disturbed her rest, and that he caused her worry. She had no knowledge of the incident about which he was trying to contact me. He never should have contacted her. 

To top it off, on XX/XX/XXXX I received another letter from Mr. XXXX, dated XX/XX/18, identical to the one he sent on XX/XX/XXXX and containing the same threats about my driver 's license and license plates.
TRANUNION today has verified either knowingly or negligently a collection account as unpaid, in collection.XXXX, account no.XXXX was paid in full on XXXX/XXXX/16 from a transaction by phone on my XXXX checking account. 
we have records and proof.the furnisher and transunion are today legally liable in a civil action for financial damage according to FCRA. THEY ARE PREVENTING A SUCCESSFUL MORTGAGE, TIMELY TRANSACTION. 
THERE IS NO ALTERNATIVE TO DELETION OF THIS ACCOUNT.THEY NO LONGER HAVE 30 DAYS, THEY MUST DELETE IMMEDIATELY!
The creditor did not verify this debt per FCRA rules within 30 days after receiving notice. 
I asked for verification and their balance reported to the bureau differs from what they claimed I owe. Without validation of the debt as per FCRA, they went on to report despite numerous letters to them. I have attached all relevant documentation.
I lost my job and have been in financial ruin every since. My bank advised that Im eligible for a Short Sale option. I submitted my loss mitigation packet XX/XX/2015 and have experienced nothing but delays, lack of communication, mistakes and hassel with this bank. My intention is to avoid forclosure, but this bank and the behavior of its staff will almost guarantee the loss of my home because of staff incompetence, mistakes, and all around negligence. I want someone to investigate the shady practices of this bank/servicer and get to the bottom of my concern. This company is a sham.
Incorrectly reporting of student loans being paid 1st through NJ Higher Education then went to debt collector, attorney XXXX XXXX back in XX/XX/2012 have been paying since but they are not reporting I have written to NJ Higher Education previous to the attached letter twice but nothing happened. You will see by the correspondence what has gone on through the years. Yet everyone says nothing changed. Also to this day no-one will in turn send me what the balance was when the attorney received these accounts? Why? 

I am uploading the correspondence below for your review. Maybe you can help me. This is hurting my credit tremendously as it looks as though I have not been paying at all. 

Thank you. 

XXXX XXXX XXXX XXXX
My credit card was lost and then the new card was compromised from shopping online I reported the fraud to capital one but not realizing I paid charges that were not mine to the tune of almost XXXX over the months that I did not realize my card was being used not only by me but by someone committing fraud capitalone policy is that you will get your available credit back as soon as they finish there investigation I got my credit back last month I still have a {$3000.00} surplus on my account that is mine and they are refusing to refund it to me telling me that there is still an investigation going on my representive is named XXXX a totally nasty man who calls up and tells me that there was no fraud on my account because they did not go max out the card at XXXX XXXX I do n't know what criminals do I 'm not one I explained to him I just want the money due back to me that 's on my account it 15 days shy of there 90 grace period and no work is being done on my account there stalling because they do n't want to refund me
I issued a cashier 's check from my online checking account at Capital One in order to make a payment to a title loan company. This check was sent through overnight mail from Capital One to XXXX, Idaho. The title loan company deposited this check into their XXXX XXXX account but Capital One issued a stop payment. When I was notified of this by the title loan company, I called Capital One and they confirmed they stopped payment due to what they claim was a " red flag '' by their fraud department. They told me to issue a new cashier 's check and refunded the total amount of my original payment so I could do this. I did issue a new cashier 's check. However, Capital One then proceeded to take that money out of my account, after first refunding it. This caused me to have double the amount of the original cashier 's check ( plus {$20.00} in overnight fees ) outstanding. And I have no access to the original amount anymore due to the bank withholding the monies until they " see the check. '' I emailed them the XXXX XXXX PDF of the check and the stop payment notification to the title loan company. They still wo n't give me back my money, even though they stopped payment, they issued the original check, and they have all this in their own records. I need my money back as soon as possible. They claim they need me to fill out an affidavit, which I refuse to do as this implied " lost, stolen '' checks. This is not the case. It 's an issue of Capital One not allowing me to write checks against my own checking account balance.
Equifax is reporting an item on my credit report incorrectly XXXX XXXX was a car loan I had over 7 years ago that was included in my Chapter XXXX Bankruptcy. At first Equifax was reporting it correctly in XXXX as included into the bankruptcy then when I disputed that the statuary limits had ran out. They took it out of Bankruptcy and just have it on my credit file as an delinquent item. 
1. I want to file a harassment lawsuit against them I presenting case after case on them with the proof and the more it looks like that they are putting errors on my account purposely instead of removing items that they know are n't mines and have legitimate reasons behind it. 
2. The statuary limit has ran out on this account. 
3. They took it from out of bankruptcy and legally I do n't have to pay anything back on this account
XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also TransUnion, XXXX, and XXXX. No one is resolving the issue.
To Whom It May Concern : I am a new costumer with Caliber Home Loans and have experienced many issues with the mortgage company 's automatic payment system. There is a general lack of record keeping that is worrisome in such a way that the costumer can not view previous payments that have been posted or the financial transaction history. This has resulted in me having been double charged for a recent mortgage payment. In cases of automatic payments this is especially problematic. For example, for my mortgage payment in the month of XXXX, I had set up an automatic payment from my personal bank account. However, the costumer has no way of knowing whether a recent payment has been posted or is pending. Based on this, I made a payment manually. But the next day I had 2 payments posted back to back. Any other major credit systems have options that clearly display the next scheduled payment. Caliber does not.
The management team is also unresponsive. I have contacted Caliber Home Loans and asked to speak with supervisors many times. Their team members have told me that the company is notoriously bad at handling double payment charges and I should instead go through my personal bank to dispute the double charge. I have requested to speak with a supervisor, however, I have not been contacted by a manager and it has been two weeks since the incident.
I found a puppy to purchase out of state - XXXX XXXX, Minnesota. The ad was on XXXX. After several conversations/emails/texts with the seller, I decided to purchase the puppy. She said she would handle the shipping. The only thing I needed to do was provide the crate rental fee - {$650.00}. This was through a company called XXXX. 
The shipping company representative contacted me and asked for payment. He then told me that their credit card machine was n't working and that I need to go to MoneyGram and send the money if I wanted the dog shipped. They provided me the form for renting vs purchasing. I chose to rent with 95 % of fund returned when they received the crate. I receive a tracking number that I could place on their site to see where the puppy was. 
The next day, I received another email from XX/XX/XXXX stating that the puppy was at the XXXX XXXX ' airport and that the paperwork for the puppy was insufficient. They needed {$450.00} to get all of the health approval and shots before they would ship to our home. The email also had a threatening Gov. Reg notice on animal abuse saying I could be subject to prison. I was suspicious and checked their website. The site said they made sure that all paperwork for pets were approved before shipping. I asked the XXXX Rep to speak to a supervisor. He hung up on me and I never heard back from them. 
The seller responded to my texts asking us to pay the money and she would pay us back. We told her to pay the money since it was part of the agreement. She said she did n't have the money but was trying to find the money. Then we did n't hear from her. 
I do n't know if this is XXXX big scam or XXXX ... sounds like it 's XXXX big scam. 
I lost {$1000.00} from this scam. I realize now after writing this that there are so many indicators that should have been red flags for me but I was so excited about the puppy. 
Here is the name of the puppy seller - She provided us with this info for the MoneyGram payment : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX Phone : XXXX email : XXXXXXXXXXXX XXXX Ph : XXXX XXXX XXXX Email : XXXXXXXXXXXX Website : XXXX
My Volvo was in a collision on XXXX/XXXX/2015. The damage resulted in the car being a total loss. The insurance paid the leasing company, US BANK, less our {$500.00} deductible. 
Our lease payment is due IN ADVANCE of use on XX/XX/XXXX ... Every payment has been made on time. I made the payment of {$470.00} for XXXX 2015 and I believe that amount should be credited to the {$500.00} deductible since I did not have use of the vehicle for the month of XXXX which I paid. I have been fighting wit US Bank for over 9 months about this and they refuse to credit the payment.
XXXX XXXX XXXX & XXXX {$1400.00} I challenge the accuracy, compliance and reportability of this listing.This is indeed against F.C.R.A. law.

There is no contract, no valid claim ... account was settled with creditor and bureaus decline to remove it, and I contacted creditor, and was informed that it was not verified.

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
I requested all the documents including my credit file and emails from PHH Mortgage on my loan a few weeks ago. When I did not hear anything after a week I called and spoke with someone in the Office of the President, XXXX XXXX. XXXX XXXX sent me a secure email with my application from XX/XX/XXXX attached but stated they ( Mortgage Services ) did not keep emails and that she could not release to me a copy of the credit report from XX/XX/XXXX with my file I would have to contact the credit bureaus. Looking back and previous mortgage XXXX as supplied with a copy of the credit report. The credit report from XX/XX/XXXX I am seeking proves I do not owe a loan XXXX XXXX XXXX is fraudently trying to collect from me and has placed my home in foreclosure because I refuse to pay them. PPH Mortgage sold my loan to XXXX XXXX and only services it but they have the paperwork which proves my claim that I did not reuse a loan opened in XX/XX/XXXX. I believe they will not provide me with the emails ( everyone keeps emails ) and the credit report because XXXX XXXX has made up documents and this will prove it. My complaint is why are they not required to provide me with the forms and emails I requested as I am sure they are part of the file.
I had an auto repossession on XX/XX/XXXX from XXXX XXXX XXXX due to my illness with XXXX XXXX. XXXX sold the account to Cavalry Portfolio SVCS. When I had my credit report pulled Cavalry Cavalry is reporting the date placed for collection as XX/XX/XXXX, which is not the original date the account was placed for collection. I disputed the date with XXXX, and Cavalry did not update the " date placed for collection '' which was in XX/XX/XXXX. I need this updated as soon as possible.
My credit report is showing that I owe XXXX ( student loans ) the entire balance of my student loan, {$2700.00}. The statement reads that I have not paid a cent of the money back. Payment was late from myself to XXXX, but now has been paid in full. I owe them {$0.00}. Any attempt to work this out with the loan company has not only been unsuccessful, but downright hostile. I made a mistake in being late, but ultimately owned the problem and repaid my debt. I just want my credit report to reflect the fact that I eventually paid them.
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
in XX/XX/2018 I noticed an item pop up on my Transunion credit report for XXXX XXXX XXXX, i called them on XX/XX/18 and spoke with XXXX who I informed this loan was fraud and that I did not open this account. He told me they sold this now debt to XXXX XXXX XXXX XXXX and said that they no longer have any documents with information about this loan. I can not get ahold of anybody at XXXX XXXX. 

On XX/XX/18 I sent a certified document to Transunion disputing this item on my credit report. I explained to them that this was fraud and placed a fraud alert on all 3 bureaus for this. I explained to them that unless they verified and validated this item per the FCRA that they can not list this on my credit report and would be breaking the law. 

On XX/XX/18 at XXXX I called Transunion to discuss the letter they sent me in the mail in response to my letter i sent. The rep i spoke to said that Transunion " validated '' XXXX XXXX XXXX, I was transferred to a supervisor since the rep couldnt help me. I explained to the rep under the FCRA that they can not list any collections from a collection agency unless Transunion has physical documentation such as a signed contract. She admitted that they do not keep records of collection agencies alleged proof of debt and I told her then that is not legal to list any of this w/o this documentation. I also informed her that this is fraud and my identity has been stolen and so this should be removed just based on that. She informed me that XXXX is still pending based on the docs I sent to them. Estimated completion is not XXXX which what the letter they sent me states, she said estimated completion is XX/XX/XXXX. 

I sent Transunion screenshots from the Oregon DFR which regulates licenses for collection agencies and companies who conduct loans. XXXX XXXX XXXX do not have a license to conduct business in Oregon. Even after all of this proof I sent Transunion that this is fraudulent on several different levels, they still came back and said this item is verified and will not remove it from my credit report. I tried disputing it again on XX/XX/18 and was told that Transunion does not have the ability to remove items and that the company or the collection agency has to inform the credit reporting agencies to delete an item. This is false information and not true, they absolutely have the ability to delete fraudulent and inaccurate items from anyone 's credit report. I filed complaints separately for XXXX XXXX XXXX on the Oregon DFR, the CFPB and filed an identity theft report with the FTC.
On XXXX XXXX, 2015 I sent a validation letter to the Phoenix Recovery Group requesting information on an account they claim I owe. They provided a respond in XXXX XXXX, 2015 to validation with an investigation of debt owed. They provided a contract of the original creditor along with a itemized sheet/description of charges. On XXXX XXXX, 2015 I responded by requesting additional information related to agency fees and additional fees. They have not provided a response to the XXXX XXXX, 2015 letter.
The card ( American Express Business Card ) promised 3 % cash back on one selected category up to XXXX per calendar year. Amex did not pay me cash back for my advertising expenditures ( my selected category ) totaling over XXXX. They stated that despite the fact that the charges were made for advertising they would not give me the cash back because the companies like XXXX and XXXX XXXX and almost ALL other major advertising outlets do not code their transactions as advertising ( most are coded as business services ) ... I was not eligible for the cash back.
References : XXXX XXXX XXXX After attempting to get this problem fixed Equifax illegally froze my account without my authorization ( ref above complaints ). 
They sent me an email the other day saying that they need more time. Today I got the most insulting email from them yet, as follows : ____________________ Dear XXXX XXXX, Please accept my formal apology for the delayed response to your concern and we appreciate the opportunity to address this matter on your behalf. 

Please attempt to access the website again, the issue may now be resolved. 

If you are still experiencing technical difficulties, please contact our Consumer Services Team at XXXX. You will be able to speak with one of our representatives, 7 days a week from 8 am till Midnight ( EST ). 


Thank you for contacting Equifax, XXXX I Equifax Customer Care Team ________________________________________________ This is outrageous. I want this fixed RIGHT NOW. The NERVE of this woman to tell me that it " may now be resolved '' but if it's not I should call back to where I started??? REALLY??? 
And guess what, it is STILL not working. 

NOW. This must be fixed NOW.
XX/XX/XXXX, I sent a deferment and cancellation request form to XXXX XXXX. They sent back a request via email requesting a letter sent from my employer indicating which school. I sent the letter back to Heartland right away. First of all, the instructions for sending the letter was horrible. It did not tell what information to include in the letter or if anything needed to be sent along with it. I sent the letter the same day I received the email from Heartland. I never received another email from them until XX/XX/XXXX. I went to my account only to discover that I  received a billing statement saying my payment is due XX/XX/XXXX. I contacted Heartland to see why I was receiving a statement and the lady told me that they did not receive the letter I sent. Mind you nothing in my account shows when I submitted the request or that they had sent an email requesting for more information. I did not receive another notice. The representative told me that I would need to submit paperwork again because it had been longer than 30 days. Really?? I asked if I could send a copy of the letter and was told no. The communication with this company is horrible. Why could I have not sent it electronically? They accept nothing electronically but they sure do send out all notices electronically.