WillisBack/dataset-financial-user-claim huggingface dataset:
To   XXXX   XXXX   XXXX   XXXX   Attn : LEGAL DEPARTMENT   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , UT  XXXX  cc : Federal Trade Commission Office of Inspector General " Room   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX  , DC   XXXX   Ref. :   XXXX   XXXX   XXXX   Acc #  XXXX  NOTICE TO DISCLOSED DEFAULD DATE AND PROOF THAT STATUS OF LIMITATION HAS NOT EXPIRED This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to   XXXX   XXXX   XXXX   (   XXXX   ) to disclose the following information regarding the loan account #   XXXX   : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.-   XXXX   XXXX   XXXX   as Trustee 's Headquarter address and agents, all information, but no limited.
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On XX/XX/XXXX  in response to Violation of Statute of Limitation,   XXXX   said Consumer Financial Protection Bureau that it has conferred with   XXXX   and  XXXX  does not agree that the Statute of Limitations for this debt ( account ) has expired, but failed to state the Default Date.   XXXX   XXXX   XXXX   XXXX   has failed and refused to provide the above information since  XXXX .
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Sincerely,   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  (  XXXX  )  XXXX
This company has violated the FDCPA and the FCRA. I sent a letter requesting to verify the debt and it is now over thirty days since they received the certified mail request. I have asked them to remove their derogatory information from my XXXX report and they have not complied.
i sent in a dispute to Trans union, the item i disputed was XXXX, that 's the only XXXX account on my credit report, now i find out Trans union never sent in my dispute to XXXX they never investigate my dispute, i spoke to trans union the date of the dispute letter was dated XX/XX/XXXX so they received it about XX/XX/XXXX by law Trans union needs to remove it it from my report
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus XXXX, Experian, and XXXX  on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CO Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address3 XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX XXXX, VAXXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address5 XXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Former Address6 XXXX XXXX   XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


Respectfully, XXXX XXXX XXXX
This complaint is in regard to Suntrust Bank and their overdraft practices. Recently, I inadvertently overdrew my account by {$42.00} through XXXX transaction. The next day, several items that had been previously pending cleared my account and I was assessed XXXX overdraft fees for {$36.00}. One the day these transactions cleared, the purchase that overdrew my account was still pending. All of the transactions posted to my account with a positive balance. Suntrust advised that overdraft fees begin the moment the " available balance, '' becomes negative. That is, the balance in the account that changes throughout the day. I had several other items pending that cleared causing overdrafts because of the way they manipulate their processing. I paid XXXX overdrafts for overdrawing my account {$42.00} with XXXX transaction. The total in fees for this XXXX overdrawn transcation is {$320.00}. Suntrust 's practices directly conflict with FDIC guidance, and are usurious to say the least. Suntrust will not refund any overdraft fees, and acknowledged that the fees were assessed even though the account was only overdrawn 1 time.
This debt does not belong to me, so I sent a letter out to the company to ask them to remove the account from my credit report and the company has not responded. It has been over 45 days.
Bank of American has wasted XXXX hrs of my time between yesterday and today. I contacted Bank of America yesterday about refinancing my mortgage, which included rolling in the HELOC held by Bank of America. I had XXXX conversations with the loan officer and reviewed the hypothetical offer he sent to me, which was exactly what I told him I did n't want. He said they ca n't roll the HELOC into the refinance, and he lied about significantly reducing/almost eliminating the closing costs. So, I called Bank of America today to ask about an increase in my HELOC instead. I 've been trying to get to the right office for over 1.5hrs and I 'm still on hold. They disconnected me twice, they 've transferred me to XXXX different people, and left me sitting on hold for a ridiculous amount of time. I make my monthly payments and they 're not doing their jobs by failing to provide customer service related to my loan. They also refused to answer my questions about a refinance online and they told me I had to call, then they wo n't put me thru to the right department.
Predatory lending practices, deceitful, fraudulent. Interest drained to keep you in debt for life.
XXXX 2010, we were forced to relocate for a job. To do so, we had to short sell our home. At the time we had XXXX mortgage lenders, XXXX of which was XXXX Bank. XXXX mortgage lenders agreed to report on our credit reports that we settled for less than the amount owed. This was a bank approved short sale. We NEVER had any late payments, current all the way up to the final sale of the house. XXXX bank reported the sale as a foreclosure on our credit reports, as well as a serious delinquency. This is completely untrue, and as a result has had a major derogatory impact on our credit score. We have made multiple attempts to have this fixed, and they have refused. XXXX reported it correctly, XXXX absolutely did not. Please expedite this request because we do not want to suffer another financial consequence because we are in the process of refinancing, and this is substantially effecting our credit.
When trying to built credit you apply for a car loan. Each dealer you go to sends out inquirery to sends it to several credit agencies. The result = each credit reporting agency penalizes you 2 points for each inquiry. You now have a lesser score after trying to built your score. This tactic is working agains you. I had a XXXX and ended up without a loan and a XXXX score. This is hurting people from fixing their credit. End this practice. 
I now can not get any credit because of my credit score. So, how a my supposed to built credit when I can not get it to begin with? Its a catch 22. 
Also, every credit card company that gives you a credit score shows you a different credit score than the credit agency. Its not uniformed.
U S I SOLUTIONS. They also say they are representing a XXXX XXXX debt.That I owe the 3 XXXX XXXX debts. I looked up the website and it  says XXXX as well. I recently filed a complaint due to continual calls. i got a letter through this website saying they would stop. They are continuing. I got a call today saying to call right away. I called and got no answer twice.
On XX/XX/XXXX around XXXX I drove through a drive-Thru atm and deposited {$220.00} ( 1- {$100.00} and 6- {$20.00} bills ) When asked if I would like a receipt I said no and drove off and even left my debit card behind which the bank contacted me about a few days later. Once I got home I checked my balance and to my surprise my cash deposit was not posted to my account. Ive never had any issues making a cash deposit on the atm which is why I didnt bother with a receipt but clearly its not the case anymore. I contacted the bank right away and they opened up a case and concluded they will not crediting my account with MY MONEY I deposited. I spoke to XXXX a telephone banker at US Bank on XX/XX/XXXX at XXXX and she told me she can reopen the claim or reach out to another department via email to find out why the investigation was closed without a credit. Its now XX/XX/XXXXand Ive yet to hear from XXXX  or US Bank about the {$220.00} cash deposit I deposited at the ATM. Please any help would be much appreciated.
In XXXX 2017, I paid off 2 Capital One credit cards ( last 4 digits, XXXX and XXXX ). In the meantime I had canceled my XXXX XXXX account, deleting all credit cards listed on this account. As time passed, my XXXX XXXX ( which had been canceled ), came up for " automatic renewal '' I assume XXXX searched my account the account ending in XXXX, I would hope ans assume, if not there's another issue. On XXXX I was billed for the renewal, I called both XXXX and Capital One dept 's. service and explained, After multiple attempts to close both of these cards, which have not been used since being paid off, I have continually been forced almost monthly to close both accounts. I just got off the phone with XXXX XXXX, i was instructed to contact XXXX, sorry, I'm finished with his issue.
Over the last 3 months I have told Equifax via mail and over the phone my current address is XXXX XXXX XXXX XXXX NJ XXXX. I explained to them I do n't live or lived at either of the XXXX addresses they had o my credit report. They finally fixed everything about a month and a half ago. I just repulled my credit report and those XXXX old addresses are back and my current address is gone. I need them to put my current address back on my credit report and remove those XXXX addresses once again that I have never lived at.
I was looking for someone to help me with my mortgage payments i was refered to a person who is a specialist. in home modifications, he asked me for. all the requirements and asked. me to pay him for his help,
I contacted Citibank in regards to my credit card account ending in XXXX. My account has been closed as of XX/XX/XXXX and I was enrolled into Debt Management Program to pay my outstanding balance. I have been experiencing extremely difficult time to communicate with the above creditor to resolve the issue with interest charges on my account. Since XX/XX/XXXX, I had one cash advance transaction in the amount of {$54.00}. Since that I have been trying to pay my outstanding balance every month as much as I can. 
As of today Citibank continues to charge interest for cash advances and my balance for original transaction was increased from {$54.00} to {$68.00} approximately. Every month Citibank charges me extra interest on cash advance transaction that I made in XX/XX/XXXX. After careful review of my billing statements from XX/XX/XXXX until XX/XX/XXXX, I noticed that creditor charged me extra {$15.00} interest for the cash advanced transaction. No additional transaction for cash advances I did not make. When I contacted Citibank Customer Service department on XX/XX/XXXX, representative advised me that he is unable to resolve the issue since my account was closed, and transferred my call to Forbearance department for assistance, 2nd representative whom I spoke to, named XXXX, was not able to assist me with my issue nighters, and advised me to contact Credit Counseling department for assistance. 
On XX/XX/XXXX, I contacted Credit Counseling department to assist me with my account and spoke with 2 additional representatives to resolve my issue. The last representative advised me to contact Customer Service department for assistance and I informed him that I have already contacted them. Finally, he decided to transfer my call to Customer Service department for assistance. I spent over 1 hour on the phone with Citibank and was I advised by the last representative that interest was charged in error. He placed my call on hold for additional 5 minutes and afterwards informed that interest charged to my account is correct since I was paying only minimum payment on my account. I requested to speak to supervisor and I was put on hold again. I was not able to resolve issue with the above creditor and looking for further assistance.

My cash advanced transaction was paid off since my account was closed and it should be no additional interest accrued.
I was scammed in XX/XX/XXXX by my credit card company and pay palcredit. I purchaced an item on line using my credit card only and was billedthru pay pal credit, opening an account without my permission. I believe mycredit card issuer gave personal info to pay pal credit without my authorizationin violation of their privacy statement. I believe they did this for a fee. I madecontact with pay pal credit, my card issuer, and paypal themselves to reversethis charge and close my pay pal credit account. all refused and I was billedfor fees, my credit card was cancelled, I lost points from my card and I believemy credit has suffered. I have documented the times, dates, and who I talkedto at each step. I noticed in the press release yesterday there was scant inforegarding credit card companies taking a kickback for releasing protected infoof consumers. this is what I believe happened in my case. any info you cansend me would help. I was not able to get our states consumer fraud divisionmotivated in XX/XX/XXXX to even look into the problem. even with yourpublicity yesterday they will not open even an inquiry in spite of knowing thedeceptive practices of pay pal credit and my credit card company. I wouldlike my credit card companies to honor their own privacy statements or letthe consumer know they will be releasing ss # and other personal info fromthe credit card application to others who will open accounts in their name w/othe consumers knowledge.
This collection company reported a debt to all three credit bureaus. The collection has caused an unbelievable issue on my credit report. My score has dropped XXXX points because my creditors have lowered my credit limit so it appears that I now have used up all of my credit when that was simply not true before they lowered my limits. And the limits were lowered because of this reporting. They say I owe {$89.00}. I have no idea when this amount came due nor do I know to whom this {$89.00} is owed to. I have no date of service, no invoice, no invoice date. NOTHING. Not once have I received a telephone call nor have I received written documentation of the debt. The reporting on my credit bureau indicates this is a XXXX XXXX debt. I recently went to XXXX XXXX for a health issue and they did not even make me aware of a past due balance. Both XXXX and this collection agency should have at least notified me and given me a chance to pay the debt before reporting to the credit bureaus and ruining my credit. I ca n't even refinance my home now. Because of their poor reporting tactics, my credit is beyond being repaired. I wrote the XXXX credit bureaus and explained the situation and asked for this to be removed from my credit report. My request was declined by all three agencies. Can you please file a complain against this company and the XXXX credit reporting bureaus and have this removed from my credit file? And if in fact that I do owe this money, I can assure you it will be paid promptly. I ca n't say that I do or do not owe this debt because I have never been furnished with an invoice, or what the debt is for, or when the debt incurred.
Have an account in collections. I have informed them multiple times that they are calling a prepaid phone that costs me XXXX to use and that it 's inconvenient for me to receive calls because of this. Receiving calls up to 8 times a day despite this. 

In my state, FDCPA applies to both original and third party collectors.
Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ,
Repeated calls even after I told them that the person they are calling is not at this number and to cease calling my cell phone or I would report them. I have NO DEBTS and I want these calls to stop!
Equifax reports that a breach ( cyberattack ) may have hit 143 million customers and confirmed that the XXXX XXXX security flaw Equifax failed to patch is to blame for hack. The National Institute of Standards and Technology states this security flaw has been in the wild since XX/XX/XXXX. 
If those XXXXwo events were n't terrible by themselves, Equifax uncovered the breach on XX/XX/XXXX but did n't announce the breach until XX/XX/XXXX. 
The worst part is tha
t three Equifax upper managers sold stock before the breach was revealed. This is gross negligence and insider trading. We live in a world where security breaches are a common occurrence. This type of event is one that nefario
us parties from foreign countries have been waiting for. An example needs to be made so that other companies start taking security seriously.
A Chapter XXXX Bankruptcy Dismissal is being reported on my credit file. Ref # XXXX I 've reached out to the bureaus to ask them to remove this reporting because it 's affecting me severely. I 've even express to them that because of the reporting It 's preventing me from receiving a promotion that was offered and I really need. The bankruptcy was filed in XXXX but was withdrawn shortly after. I did not go through with the procedure. I instead borrowed money from friends and family to pay off my outstanding debts. 
I 've send numerous rounds of letters asking for it to be removed. XXXX not only refuses to remove it but refuse to send me their method of verification and documents from the courts they claim they got the information from. I 've informed them that I spoke to some one within the court/ and department of records who notified me that XXXX did not verified with them and will not because they do not give out or report any such information. each time they claim to have verified, I asked them for proof and they refuse to send it. I 've asked them to please delete the negative Item if they will not honor my request and they still refuse to. The last letter that was sent out to them was dated on XXXX XXXX. That letter came back verified and they still did not honor my request.
I was contacting by a gentlemen regarding purchasing a companion airline pass. I was told that if I utilize XXXX to make the payment and the services will be provided. Once I made the payment the person deleted and blocked me. 
I contacted my bank and they advised me that the disclaimer that XXXX has states that they are not responsible for refunding me back the money. I contacted XXXX and was advised that they will not as well. 

My bank is chase bank. 
I used XXXX pay to complete transaction. 
Person involved is XXXX XXXX ( fake name ) Amount of  transaction. XXXX Date of transaction XX/XX/2018
XX/XX/2017, contacted by XXXX to turn my vehicle in before end of lease. Went to XXXX dealership and decided we preferred a XXXX instead. The dealer, XXXX XXXX XXXX, has several dealerships, one of which is a XXXX  dealership, and the XXXX salesman referred us over to XXXX in XXXX. They did confirm before we left that our vehicle was worth its value for trade. 

Same day, we went to XXXX dealership, found a XXXX, and negotiated the trade-in of our XXXX for the XXXX. 

Less than a month later, we received a notice of repossession for non-payment on the XXXX. When I called XXXX XXXX, they told me to disregard the notice. We also called the dealership, and they apologized, saying that delays were causing this, and actually offered me money to make up for the aggravation ( never received any money, by the way ) ... After calling both the financing company and dealership, I wrote to both of them. No response. 

I then found a charge-off on my credit report for more than {$4000.00}. Wrote again and requested it be removed. No response. 

After a year of writing and trying to resolve, I reached out again to the dealership. They provided a cancelled check made out to Nissan-XXXX. I called Nissan-XXXX, and they advised that the check was only a portion of the payoff. After several calls back and forth, XXXX suggested the dealership call them directly. During our most recent call with XXXX, they advised that they never received a request for a payoff from the dealership. I know they called, because I was at the salesman 's desk when he made the call on speaker phone. 

From the day we went to XXXX XXXX XXXX, a lot of things were fouled up. The salesman was very nice, but we sat there all day and, right before closing time, they had me sign docs, told me they would finalize everything and get my down payment when the car came in. Did not provide me with a copy of my closing package, took a week to get the car ( we had to call THEM to find out what was going on ). My new lease payment statement didn't arrive until AFTER the due date for the payment, had to hurry and call and clear that up. There was a major delay in processing the paperwork on the new lease. 

I know we are not at fault here and just don't know what to do at this point. Feeling very manipulated. : (
I have a private student loan I have done research after research regarding my private student loans. I was even looking into joining the XXXX so I can get help with my private student loans but I Navient that is not options not even doing the XXXX forgiveness program. I am willing to do anything if there is a program that helps with private Navient student loans. I am currently not working and my credit is ruined because of my student loan. Does anyone know of program that can help for private loans everything I read is geared towards federal loans
XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
my actual name on my nys id is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, new york,XXXX not XXXX XXXX XXXX XXXX, this is no XXXX XXXX XXXX XXXX or XXXX like equifax , XXXX and XXXX has it on my credit report, i have ask them to fix the issue more than once with no luck i even send a copy of my id and fax it also and email it too.