WillisBack/dataset-financial-user-claim huggingface dataset:
Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX with whom I apparently owe {$2000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, and XX/XX/2018 that I have repeatedly made these offers. XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX  with whom I have no contractual relationship. However, as a courtesy I have kindly offered these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and this agency. The agency has not offered to accept payment from me on either occasion. 

To date XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX  outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 
Thank you very much. 

On behalf of XXXX XXXX XXXX Without recourse By : XXXX : XXXX
Me and my husband open a Wells Fargo account on XXXX/XXXX/2016. The first couple of days was fine until XXXX/XXXX/2016 I got a call from the fraud department saying that my account was flagged for suspicious activity. Someone got access to my online account and change my personal information around. I had to verify it was not me and to give them the correct info and everything was fine. The next day I tried to use my card in the store and it was declined. I called Wells Fargo and they told me that my account was on hold and schedule to be closed on the XXXX of XXXX. I said " why '' and they told me of XXXX checks for {$2500.00} that was deposited into my saving account was fraudulent and was return. I explained to them " what checks? '' what are you talking about? They proceeded to tell me they spoke with a man over the phone about my account information and the fact that my account be closing and the man told her that he was my husband. I assured her it was not my husband so she told me to verify my address and phone number, I did and she told me it was not correct!!! She told me to file a fraud report but it wo n't help because my account is closed and debit card is closed as well. i would have to wait 2-4 weeks for my cashiers check to come. I told her it is going to go to the wrong address because the address is not mines!!!! She said she was sorry but it was nothing she could do.
I have been disputing the collection attempts with the company listed on my credit report, stating that I owe for an apartment complex that I have never lived at. The name of the company is Rent Recovery Solutions. Never done business with them, and never signed any sort of paperwork for this company.
I sent out letters to experian XXXX to delet the accounts that is inaccurate they Experian sent XXXX letters regarding the accounts also updated copy of the reprorts never sent. Letters sent to them.
I have had a an Aadvantage Citibank MasterCard card for XXXX years. A balance of {$29.00} was due XXXX XXXX. As I have for several years, I set up the payment on my bank 's e-pay system to arrive on the due date. Have never had a problem. When I received my next statement, Citibank had assessed a late fee of {$25.00} plus a XXXX cent interest charge because it posted the payment XXXX XXXX. The {$29.00} was debited from my account XXXX XXXX. I called my bank and was assured Citibank received the funds XXXX XXXX. I called Citibank and explained the situation and it insisted the payment was late and REFUSED to remove the late charge. So I canceled the card. It is guilty of bad business practice -- has been for years, in my experience. Steals from its customers.
On XX/XX/2016 I paid the balance to Hyundai for the end of my lease. They still sold the balance to collections. Since then I have been harassed my several debt collectors for this balance that I paid to Hyundai and the debt collectors say that Hyundai needs to recall the debt. I called Hyundai 's billing department who confirmed that there is no balance owed and also confirmed that I should n't have been contacted by these debt collectors yet will do nothing to remedy the fact that they sold a debt that did not exist. Confirmation of payment on XX/XX/2016 is # XXXX
Grant & Weber claim I owe {$10000.00}. I have never received written notice of the debt or how the debt was incurred.
My wife died on XXXX/XXXX/XXXX. I filed a death certificate with the bank immediately thereafter. The bank has, recently, been calling me asking to speak to her. When I ask what it 's about they say " it 's confidential '' and refuse to give me even any general information, i.e. 'it 's a security fraud ', or, 'we 're checking on a check that 's been submitted ''. Now they have closed MY XXXX main accounts,XXXX & XXXX ( my SS check goes to this accoount ), for no legitimate reason, and removed OVER {$270000.00} on or around XXXX/XXXX/XXXX. They refuse to reopen my accounts and have not returned my money. I was told on XXXX/XXXX/XXXX that XXXX check was " overnighted '' to me. As of today I have n't received anything and I have spent almost XXXX hours and XXXX phone calls to no avail. This is outrageous! My credit is being affected, not to mention all the checks I sent to pay bills which are being NSF 'd.
I 've been a client of Rush card for 5 years and now I 'm having major issues. ... .I 'm not able to axcess my money and customer service has no idea when this problem will be fixed ... I have direct deposit and I 'm taking a trip Thursday. ..with no money how am I able to go on a vacation I 've already paid for as well as my entire paycheck gone ... .I have n't been able to get a clear answer to my questions and this is not acceptable. ... many ofb th heir clients are going through yhe same thing. If I ca n't axcess my paycheck Thursday I will need f u ll compensation for my troubles asap.
I received repeated phone calls to my cell phone IC Systems today I finally contacted a manager XXXX XXXX to stop blowing up my cell phone and demanded all communication only by mail be sent to me
I reported this issue before and Bank of America enterprise department denied my claim. I am sending this out again, with an official stamped police report regarding my claim. Within the month of XXXX 2014 my wallet was lost/stolen, someone used my card to access my bank and deposited a fraudulent check. Took money out and everything else and used up my account til flagged by bank of america. I was denied a few times when I put in for a dispute, and I am writing this again because I 've sent the bank an official police report that was submitted by the officer who took my report.
I have a judgement on my XXXX and equifax account and I have stayed with my parents since 2010.
EQUIFAX SHOWS A BALANCE FROM XXXX XXXX OF {$160000.00}. XXXX XXXX SHOWS A XXXX BALANCE. I WON A COURT CASE AGAINST XXXX AND THERE SHOULD BE NO BALANCE. I 'VE ASKED THEM SEVERAL TIMES TO REMOVE IT BUT THEY REFUSED. THEIR REPORT SHOULD ALSO SAY IT IS FORECLOSURE REDEEMED NOT " FORECLOSURE ''
I have been trying to get an accurate credit report and score from Equifax since XXXX of 2017. I pay for a credit monitoring service that is not Equifax. I feel this started AFTER I cancelled my paid service with them. I started my paid service with Equifax on XXXX XXXX, 2017. I used their 30 trial to try out the service. I cancelled the service before the 30 days were up, sometime in XXXX 2017. I first noticed an issue XXXX XXXX, 2017 and reached out to Equifax. They refuse to help. I tried to get my free credit report through annualcreditreport.com, they said that have no records. When I tried calling Equifax, I was told by the customer service rep that indeed there was a problem. But they refuse to fix it, even after I verify all of my personal information. I have continously tried calling on different days, at different times, but to no avail. I would ask for a US representative, only to be put on hold for literally 30-45 minutes, or longer, if I chose to stay on hold. <P/>Now I have been denied credit because of my Equifax report, through a major credit card company. I can not access my file to even see what is being reported if anything. I tried to freeze my Equifax file on today XXXX XXXX, 2017, and again no file to freeze. <P/>This is not right, and it is very frustrating. This is affecting areas of my life that I did not even realize that it would. I can not even proceed to make large purchases because I can not be sure of what is listed on my credit. I do n't know if I have a split file, or no file at all. My credit score has been the same for three months. No updates. I just want some resolution. I do not know what else to do. Equifax is infringing on my rights. And I want it to cease. <P/>Thank you for your time.
I paid taxes for amount of balance difference for 2014 federal tax income. Issue should not be on my report any longer.
I recently had a few ( three to be exact ) medical collection accounts across all XXXX credit bureaus. After contacting the medical services and they adjusted the bills and showed me what I owed the information was already with the collection agencies, I proceeded to pay them off one at a time in full and according to the medical debt relief act and changes with Equifax, XXXX and XXXX any MEDICAL debt that gets paid by the consumer or by the insurance company gets removed immediately after the item is paid. Well only one Bureau was aware of this rule change and took off all of the collection items that were paid. Equifax has flat out refused to budge on this and stated that it would stay on my account for seven years! I tried to explain to the representative of the law changes and that Equifax was one of the companies that agreed to take off paid medical debt but they still would not budge. If removing paid medical bills from a consumers credit report is something that this company agreed to do going forward NATIONWIDE why am I having to fight to get this done. I 've attached a copy of the dispute results for XXXX and XXXX, XXXX shows unpaid but its now paid and I contacted them as well and they stated " No they would not send something to Equifax for the removal of this item ''
EQUIFAX XX/XX/2018 File # XXXX XXXX XXXX gave me a copy Record of Application The name on the application does not match my name. The application had a different middle initial than mine. I gave EQUIFAX a copy of application that XXXX XXXX gave me. EQUIFAX have been given proof that the account is not mine and still will not take it of my credit report..
In XXXX XXXX I completed a VA compromise sale on a property that I owed {$130000.00} on. The mortgage lender, PennyMac, received proceeds in the amount of {$61000.00} on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the VA wired funds in the amount of {$34000.00} to Penny Mac on my behalf per the VA guarantee on my loan. XX/XX/XXXX, I received a XXXX from Penny Mac in the amount of {$72000.00}. After contacting PennyMac on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I was told on XXXX/XXXX/XXXX that PennyMac would not count the VA funds paid on my behalf in credit to the amount of debt they forgave. They state that I owed them {$72000.00} so that is what is reflected on the XXXX. Despite the VA paying funds on my behalf, they are unwilling to revise my XXXX. The amount of the XXXX will be counted as income when I file my taxes and I feel that the XXXX should reflect the amount of debt actually forgiven by PennyMac. They received an additional amount of money on my behalf that I will have to now pay taxes on and my VA benefit eligibility is suspended until I can pay that money back to the VA. The XXXX does not reflect the true loss to the company.
XXXX continues to sell to collection agencies Been 15 years since I had dealings with XXXX not my debt opened by someone else keep trying to collect removed 2 years ago now back active on my credit when checked ....
I never signed an agreement with this company and when I tried to settle the debt, the collector did not negotiate a price I could afford monthly! She told me I had to make an upfront payment to be able to schedule an affordable payment on  XXXX   XXXX
Transunion misled me when I was trying to access my credit report. It signed me up for their credit monitoring service when I thought I was getting my free credit report. They also did not provide a way to cancel the service online. I was ultimately charged {$1.00}, and had to call them to cancel the service. Had I not called to cancel they would have significantly increased the payments. Their website service is deliberately misleading.
I have contacted XXXX XXXX/LensCrafters to attempt to get a late payment removed from my credit report to all bureaus. I contacted them when the original late payment was reported. It reflects that I was 30+ days late. At the time i was receiving paper bills and never received one for that statement. When I called to inquire about not getting a bill i was told it was already 30 days late and had been reported but since i had never been late before, with good account standing moving forward it could be removed. I paid off the account in XX/XX/XXXX and the account has been current for 34 months. I called the company on XX/XX/XXXX to request it be removed and the person i spoke with was not compliant. I am asking that this issue be resolved.
I disputed a debt that I do not owe with AFNI within the 30 days of the 1st notice. They sent back a letter to me that was basically another bill..yet put the account on my credit report right away. I asked again and they provided a validation after the 30 days. The amount is not owed. Equipment to the cable company was returned.
Coinbase will not let me access my account which has more than 18,000 $ in it. When I try to login it says " Your account has been temporary disabled, please contact support ''.

I have contacted them on XXXX, by phone, by email, on reddit and directly via hand written letter and have not gotten any response back to why my account was locked out.
I obtained my credit reports and Mid Michigan CB was on their showing negative on my credit report. I do not know who these people are. I have sent them a certified letter to provide me with proof of both accounts XX/XX/2016 which i provided you with this letter that is attached.. Also in my letter I told them I am also exercising my right under FDCPA to dispute the alleged account and demand validation from them.They have gave me nothing
COMMERCIAL AFFIDAVIT OF TRUTH XX/XX/2017 1 ) Bank of America can not varify or show validity of alleged debt 2 ) Bank of America can not show a valid current contract with me including my wet blue ink signature 3 ) Bank of America failed to respond to my complaint with a VALID response 4 ) Bank of America failed to show tangible evidence that there is a current contract 5 ) Bank of America rules and regulations do not apply to me, I never knowingly or willingly signed a contract with them for life. 
6 ) Bank of America is willfully and with intention violating my rights and comitting crimes along with felony violations of the USC, United States Code & gt ; federal law, 7 ) Bank of America has admitted to closing the account on their response to me, but still persists in criminal activity, 7 years has passed. 
8 ) Bank of America has violated florida statute 817.568 and is using my personal and private information without my consent which is a second degree felony 9 ) Bank of America has violated title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. using fictitious names which is another felony and owes me XXXX dollars, for that violation I have shown the evidence crystal clear!!! 
10 ) Bank of America is a felony criminal with a major criminal history of mortgage fraud among other frauds, its all over google!!! these are proven miscreants!!! 
11 ) Bank of America can not prove anything, they are liars and deceivers, they refuse to answer my questions and talk like bill clinton with XXXX avoiding the subject, and not giving any valid answer with clarity 12 ) Bank of America threatened me with extortion by stating they may use XXXX to make a bad report on me, this is a violation of my privacy also giving out my personal and private information without my consent, from XXXX, florida state ZIP EXEMPT XXXX VERIFICATION The undersigned Affiant hereby certify, under penalty of perjury, under the laws of the United States of America, and pursuant to 28 USC 1746 ( 1 ), that the above COMMERCIAL AFFIDAVIT OF TRUTH is true and correct, to the best of their knowledge, current information, and belief, so help me XXXX. \ Florida state , XXXX On the XX/XX/2017, XXXX, before me proved to me on the basis of satisfactory evidence to be the man whose name is subscribed to the within instrument passport & certificate of live birth, and acknowledged to me that He executed the same in His authorized capacity, and that by His signature on this instrument is the man, WITNESSED by my hand and official seal. 

By typing my name electronicly this is my signature for this affidavit, and I will be sending in a hard copy notarized, respondent to respondent must respond within 14 days signed ; XXXX
Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX  XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.
XXXX XXXX XXXX XXXX XXXX - Phone # XXXX is reaching out to my wife, family and myself on a debt I do n't owe and never even heard of owning. This is the first time I heard of owing any money to this company or the original company they are trying to collect this alleged debt for. They are a third party company trying to collect a debt for an original company that I never owed money to. The company they claim I owe this money too is XXXX XXXX XXXX. The debt they say I owe is supposedly from an address I lived in over 7 years ago. This company will not stop calling my family on their cell phones, myself and any number that I am associated with. I am going to take legal steps into suing them for every time they called me starting from when they called my wife. I thought filing this complaint would be a better route to go as I do n't want any money, I just want them to leave myself and family alone as they are harassing us.
First they called me and left an unintelligible message. The next day they called my XXXX mother in another state and told her there was a warrant for my arrest. Then I called the number and was repeatedly transfered receiving different information at each step, " it was a subpoena, '' it was a " civil suit. '' Finally was transfered to " director of litigations XXXX XXXX '' who belittled, insulted, and implied they would sue me, trying to extort at least {$200.00} before I finally hung up.
I could only select one of the options above but there are actually XXXX. Account terms, Account Status and validation that the account even belongs to me. The issue is with XXXX XXXX Bank who reports different things to XXXX Equifax and XXXX, all are negative and severely damaging my credit report. I have filed a direct dispute with XXXX XXXX Bank in order for them to stop reporting inaccurate and damaging information to my credit report.
Lending Club keeps reporting incorrect information about late payments to my credit report. They have a different date for the 30 days late each time I dispute. I provide proof of the on time payments, it gets removed and then a month or so later they are back again reporting incorrect dates. Now they are reporting 2 late payments instead of one. This should be illegal. Its really unethical that the credit bureau companies keep reporting this information even after I show proof the payments were on time. How can someone constantly report false information?
Quicken Loans sent us a letter dated XXXX XXXX, 2015 informing us our house was recently determined to be in a flood zone. The letter stated we had 45 days to purchase flood insurance. We immediately began the process. Our insurance company, XXXX, told us that all flood insurance policies have a mandatory wait period of 30 days. We experienced enormous difficulty getting proof of insurance to Quicken - despite numerous calls, email and fax attempts and various Quicken employees confirming receipt of the insurance policy and assurance that all was well. Despite that, Quicken force purchased flood insurance with a start date of XXXX XXXX, 2015 - a full 3 weeks before they even sent us the letter! Eventually they removed the policy, continuing to hold us responsible for XX/XX/XXXX and XX/XX/XXXX - the months we either did n't know or were mandatorily blocked out with the wait period. The two months that Quicken has retroactively forced flood insurance is only slightly below the quote we received for a full year policy from XXXX. That only began our problems with Quicken. The quest to understand changes and charges to our mortgage began in XXXX 2015 and sadly continues still. I can not say how many times, more than dozens, I 've called and emailed asking very specific questions to understand the costs and changes to our mortgage payments on a fixed rate loan. I can not understand how a financial institution does not know this information at the touch of a button and why it has been taking so long and still no information is known. Our mortgage payments have fluctuated and increased by several hundred dollars a month! We need help getting specific details of costs and really want to spread the word on Quicken 's shady business practices. We could not regret more our decision to refinance with them. Having a mortgage on this property for 11 years with never a problem before Quicken really says something about them.
BMO Harris Bank seems to have the practice of promising bonuses they have no intention to honor. In this case, they offer a small bonus [ {$50.00} ] for opening a savings account with them by XX/XX/XXXX.  I opened such account on XX/XX/XXXX, with {$1000.00} and have kept that money in the account to this day. Five months later, they haven't honored it yet I have received, though, XXXX CENTS in interest rate during this period of time. But, no bonus.