WillisBack/dataset-financial-user-claim huggingface dataset:
I sent the letter below to the creditor over a month ago with and got no response. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX/XXXX/XXXX To : CHASE CARD XXXX. XXXX XXXX XXXX, DE XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 

CHASE CARD, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for CHASE CARD to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate, and original copy of documentation with my wet ink signature! 

Failure to substantiate the claim, please settle account immediately within the next thirty days. 

Sincerely, XXXX XXXX XXXX Executor of the Estate
Dear Sir, As per the Experian Credit Report dated XX/XX/XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX ) did fraudulent inquiry on XX/XX/XXXX in my credit file without my consent and without my authorization. I have communicated to Experian multiple times that I do not have any business with XXXX and never ever contacted them and they have been doing fraudulent inquires in my credit file without my consent and without my authorization, same has been disputed and removed from Experian Credit file. Experian entertaining the fraudulent inquiries in my credit file without my consent and without my authorization, I never ever contacted XXXX  for any reason. XXXX  inquiry dated XX/XX/XXXX is a crime, fraud and misrepresentation. I have also locked experian Credit file on XX/XX/XXXX to avoid further fraudulent activities and damages, where experian unlawfully entertaining fraudulent inquires in my credit file without my consent and authorization. Could CFPB kindly direct Experian to remove the disputed and fraudulent inquiry XXXX  inquiry dated XX/XX/XXXX from credit file, which was inquired without my authorization and consent. I do not have any business with XXXX XXXX at any point of time for last 12 years. Could CFPB kindly direct Experian to send me the complete details of this fraudulent fraud inquiry dated XX/XX/XXXX, complete details of fraud alert dated XX/XX/XXXX I am going to submit these fraudulent inquiry details to Law Enforcement Officer and FBI. I think someone using my identity, social, name and address, also kept fraud alert in the place as and when identity thieves applied XXXX XXXX. Identity thieves applied for XXXX XXXX, without my notice and consent. Could CFPB kindly Initiate appropriate action against Experian and XXXX for entertaining fraudulent XXXX XXXX inquiries in my credit file. Could CFPB store my CFPB complaints in the data base, FTC records, law enforcement, identification theft and misrepresentation/fraudulent activity records. Could CFPB kindly direct my complaint to Federal Officer and take appropriate action against XXXX  for committing fraud and misrepresentation using my social, name, address and various identification details.
Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.
Hello- I am contacting CFPB to file a complaint concerning my experience with Suntrust Bank XXXX I opened a checking and savings accounts there XX/XX/XXXX and when doing so I was promised a {$250.00} promotion if I met the criteria. 

As of XXXX XXXX my personal banker, XXXX XXXX, assured me that I did meet the criteria and that I would receive the full amount by XXXX XXXX. I have attached a screen shot of that email conversation. 

On XXXX XXXX, I called the bank which informed me my banker no longer worked there and that I would need to contact Suntrust customer service. After speaking to multiple representatives, I was eventually sent to a supervisor, XXXX XXXX. I forwarded her emails from that stated instructions from XXXX XXXX to obtain the promotion. I also forwarded her the emails that I have attached screenshots of here. After our conversation, XXXX XXXX told me she would open the case and that Suntrust would get back to me within 3 to 5 business days. 

I emailed her XXXX XXXX and XXXX XXXX requesting an answer. I have called the Suntrust XXXX, TN branch several times and left voicemails only to receive no call back. 

Today, XXXX XXXX, I called Suntrust customer service in hopes to get an answer concerning the {$250.00} I am waiting to receive. I eventually got in contact with a XXXX XXXX. She explained that they found that I did not qualify. After checking my account, I believe I do qualify. 

I am very disappointed in the customer service I have received. They have not taken the initiative to call me back or reply to my emails. They have also not honored the word of their employee who guaranteed me {$250.00}.
RE : Consumer ID XXXX On XX/XX/XXXX I sent a letter to XXXX XXXX requesting they place a security freeze as allowed by my state law as well as an updated copy of my consumer report. XX/XX/XXXX I received a letter dated XX/XX/XXXX requesting I sign a document to verify my identity in order to place a freeze. Enclosed was a copy of my consumer report. The form they request I sign simple repeats the verifying information that was provided in my original request. My letter included a copy of my current state driver license along with my SSN and DOB. 

My complaint is that the receipt of my consumer report indicates that I met the threshold for identification verification. I have complied with the requirements of MO 407.1382.1 ( 1 ) and ( 3 ) and XXXX XXXX has failed to comply with my request for a security freeze as required by MO 407.1382.2
Was not able to make a payment due to being out of town. Company calls my employer multiple times a day. Somehow the company acquired my boss 's personal cell phone number and contacted him to intimidate me into paying off my loan.
The required " Debt Validation '' that was requested XXXX 2015 went unresponsive to.By Midland funding. They sought to action court case in one county, which Judge threw out for " Failure to Prove debt ownership '' One year later Debt collector seeks to again collect on debt not validated, Fail to prove the have purchased the debt from creditor, and refused to stop communicating threats to family member 's. MidlandFundingc/oXXXXhas.Thiscompanyhasactedcapriciouslytocollectonadebt, Theseactions alsoviolatedtheconsentagreementFileNo.XXXXbyCFPBadministrative adjudication
I have repeatedly set up my account for autopay, gotten confirmation that the account is properly set up, and then the payment does n't process. The website is clunky, and while customer service has generally been helpful, my account has now been closed. I 've submitted an official request for appeal, and received a letter that failed to directly respond to my request. Once again, my monthly autopay did not deduct, and this affects my credit score.
Equifax failed to protect consumer information in the event of a massive-scale data breach. It has been indicated by their website, equifaxsecurity2017.com, that my information was included. Equifax 's failure has put millions of consumers at risk. 

Furthermore, Equifax has offered a free trial of their credit monitoring service which REQUIRES CONSUMERS TO WAIVE LEGAL RIGHTS against the company in relation to the breach. This is an utterly sickening and anti-consumer thing to do. Equifax needs to take responsibility for their malpractice, not try and XXXX customers out of their rights to fight back.
Im horrified by the lack of good information to help customers of Navient. They purposely lower payments to the interest payment amount t in order to have a forveverloan. Ive called several times over the years to get help due to financial issues and hardships after each childs birth. I return to paying like normal after each time. However, I asked what they could do and they read back the lowest payment was the total monthly interest total! I said isnt that my interest payment total? They state each time yes were able to help you lower your payment though. They purposely lead borrowers to have a forever payment. They do not tell you Ill be paying nothing into principle. ( mind you - you should know your payments information ) This is deceitful and should not be tolerated. I took this opportunity while working two full time jobs to get my degree and get a good job. I know there are millions of people who are trusting Navient to have their best interest at heart. This disgusts me! They are loan sharks. Please look into this as they are not practicing ethical behavior.
Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for Experian and my husbands was for XXXX. Please correct this problem so we can get copies of our reports.
On XXXX XXXX, XXXX, I requested my free annual credit report on XXXX from XXXX and TransUnion, and received my XXXX report promptly ( same day ). 

TransUnion has failed to send anything to this day, it is going on XXXX weeks and not a word from TransUnion. I tried to reach out to them but can not get through and I need this information in preparation for its use... If anything needs correcting, I will likely be unable to correct things in time. 

Please help. No customer should be treated like this especially when XXXX and XXXX were very prompt and responsive. 

XXXX XXXX
XXXX, XXXX and Experian are continuing to report incorrect information on my credit report. 

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. 

I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim. 

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived
this debt was discharged from a bankruptcy and I would like apex to remove this item from my credit report
I sent a letter to you disputing a collection account as erroneous on XXXX XXXX, XXXX and mailed them certified, return receipt requested. I received notice in the mail that Equifax received the dispute letter on XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and I have not received a response from Equifax on the removal or status. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes. If they can not verify the information within the 30-day time period, they must delete all of the disputed accounts from my report. Failure to do so can result in a {$1000.00} fine per undeleted item. 

I 've filed a previous complaint with the Consumer Financial Protection Bureau ( Case # XXXX ) against Equifax and the XXXX XXXX XXXX for reporting and collecting an unverified debt that is also violating Federal and State Laws. The Mississippi Statue of limitations on this alleged debt has expired as of XXXX XXXX and is no longer a collectable debt and reporting a zombie debt is in violation of the FCRA. 

Equifax , CBA and CFBB have failed to resolve this issue and now in violation of the FCRA. 

I would like to see a response on this and the issue resolved quickly.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TDbank of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX  credit report XX/XX/2018. A formal dispute of this inquiry was faxed to TD Bank XX/XX/2018 however as of this date TD Bank has not replied to that dispute with the outcome of their investigation. A reply is required under the FCRA and the data of that inquiry is to be removed once it is known to be fraudulent related activity.
In 2012 I took out a payday loan of around {$1000.00} from the " XXXX XXXX '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX XXXX XXXX grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated XXXX and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out.
I filed disputes with   XXXX  . They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation within 30 days or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All   XXXX   did was send me a response saying the accounts were n't reporting which they are.        XXXX  - A medical bill with an account number listed of  XXXX  and {$490.00} balance, A medical bill of {$81.00} with an account number listed of  XXXX , A medical bill with an account number listed of  XXXX  for {$57.00}, A medical bill with account number of  XXXX  for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also     XXXX   XXXX  .       I also filed disputes with Experian and   XXXX   they have not responded to my request for proof of investigation which was over 52 days ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with  XXXX . I am following up with this complaint in hopes that they really do an investigation this time.     Experian -   XXXX   XXXX   XXXX   and   XXXX   XXXX    XXXX n -   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX  I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in 30 days. Thanks.
Company closed my XXXX XXXX XXXX XXXX XXXX account without warning or consent due to reporting agencies. I did not change anything on my credit report, so there is no reason why they should have closed the account. I have had this account for 3+ years and this has negatively affected my credit score. Also, a representative attempted to collect payment without even notifying me that the account was closed. Informed me that I must apply all over again, which did not work and dinged my credit once again.
During transunion breach Inquiries were removed then placed back on report without a 5 day notification of re inserting items on my report Inquires dated from XX/XX/XXXX-XX/XX/2018 & XX/XX/XXXX-XX/XX/XXXX
JPMorgan Chase Bank , N.A . closed my credit card and deposit accounts without any explanation.
I have been in contact with XXXX as well as XXXX, XXXX and Transunion. XXXX  has removed some of the accounts but there are still 5 posted on my credit report. Transunion and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XX/XX/2017 to no avail.
Good day my I was in the process of getting a home loan from city-worth and XXXX XXXX is the loan processor I was given his information by a friend and my friend told me he was good but he 's not. My credit was n't that good and I had own money on my credit card he went and spread my information with my friend which is bad and I 'm sure there 's a privacy act against the banker or loan officer calling other ppl and given them my information it is bothering me and I have hired an attorney bout this. XXXX XXXX told them my credit score etc this is bad. The name of this bank is city worth mortgage in Va.
There is an account reporting with RealTime resolution that I have been requesting payment history and proof this account is even mine. I sent them a certified letter that they received some time ago and the only thing they sent me was a letter stating they are researching the account and that was back on XX/XX/2016 no other information received.
My payment was no more than {$200.00} bi weekly ... Less than 24 hours after I got my one week check from XXXX 's ( I put in notice that I got a better wage offer and all overtime I was willing to work ) so they cut my hours, while i was changing clothes for second job they remotely disabled the car. I explained my situation and they kept asking if I could just pay it over the phone ... " You XXXX gave me the loan with a pay stub, not a checking account or cc for collateral '' now im running late for work, I tell them to come get the car I'm not dealing with the hassle ... They apologize change my due date, then less than a month later " XXXX '' XXXX in XXXX, il closes down with no notice ... Just a sorry note on the door all wages unpaid around XXXX before tax I should have grossed so when the car was shut off I called and said I just lost my job and got ripped off XXXX by owner that if it doesn't start I'm leaving keys in it I'm done with them ... A week after that I was XXXX for 3 weeks ... Meanwhile they kept charging me like they were letting me drive it ... They disabled it a about a week before my XXXX stay of 3 weeks .... Let 's say they did let me drive it the whole time, how is the balance so high??? XXXX $ what was I charged for??? They took it while I was in XXXX and continued to bill ...
I am a graduate student at the University of XXXX in a dual degree program, pursuing an XXXX from the XXXX XXXX XXXX XXXX and an XXXX from the XXXX XXXX XXXX XXXX XXXX ( part of XXXX XXXX XXXX XXXX XXXX ). This is a three-year program ( it  saves a year as both programs are normally two-year programs ). The schools charge different tuition, so I am enrolled in XXXX for one year, XXXX for one year, and then in my final year I am enrolled for one semester in each school. I began my program in XX/XX/XXXX and will graduate in XX/XX/XXXX ( my unofficial transcript is attached ). 

I took out a loan with XXXX in XX/XX/XXXX and another in XX/XX/XXXX to pay for my first year of my program. 

On XX/XX/XXXX, XXXX ( servicer of my private loans with XXXX ) sent me a notice that I was in repayment. I sent a message asking why and received a response to send a in an in-school deferment request. I discovered that I need the University of XXXX registrar to certify the request and that my loans with two other servicers also had put me into repayment. 

I attempted to fix this with XXXX, but have not been able to solve the problem. 

I then attempted to call XXXX to work with the loan company directly. I called XXXX and the customer service representative was unable to find record of my account in the system. She did not provide me any details on how to find my account and only told me she could not discuss my account/help me until she found my account. This does not help me as she could not find me account and gave me no information on how to rectify the issue.
I was talked into a commercial savings account and a personal checking account when I had large cash on deposit with M & T Bank. I was informed that I would make more interest earnings this way and that was the best suited for my needs. It turns out that the combination of accounts was best for the bank manager 's bottom line. The " fine print '' was truly fine print that I could not read with reading glasses, but learned over months that the bank did not care about me as a customer. When the cash dwindled, bank treatment of me as an individual also disappeared. Now I do not access to the " secured '' correspondence on their website to prove the agreement I had with a regional vice president that would have solved this entire complaint back in XXXX 2015. This high ranking bank officer would not answer my follow up correspondence, by being absent on the solution, the wrongful fees were turned over to an in-house collection employee in addition to listing me with a banking industry credit " bad list ''. I 've been banking with M & T for close to 50 years and NEVER got such bad treatment or this kind of threatening action that other financial institutions ( if not credit bureaus ) will deny me checking & savings accounts, when they see my name. I want M & T Bank to come back to the agreement reached by the Regional Vice President and me back in XXXX, remove the bank fees that are outlandish by nature of the types of accounts forced into, and the Bank being prohibited from listing me with that all credit bad lists. When evidence is shown that their employees misled me on the advice I sought for following the account rules, I should not have any charges fee against me on the multiple accounts. I would also request that some of bank employees be coached or reprimanded on their mis-information and their non-action on my requests to cancel ACH 's that seem to only benefit the receiving vendors.
I'm currently going through a divorce. And I have recently discovered that my wife has used my credit to apply for products without my consent. Because of this, I have received several inquiries on my credit report that doesn't belong. The dates of these inquiries are as follows XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX