WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Good afternoon, I will try to make this account as short as possible, while also including relevant information. 

XX/XX/XXXX/XX/XX/XXXX, I had to take a former acquaintance to small claims court for {$4000.00}. I won the case and was awarded a judgement. 

To my recollection, I contracted with a debt collection agency called XXXX XXXX XXXX in XXXX or so to collect this money. To my knowledge, this contract expired after 3 years. 

SIX years later ... I received a call from a company called HK Recovery Service. They informed me that they have received {$1900.00} from my acquaintance. They also told me they will withhold a 33 % fee. They also charged my acquaintance {$2000.00} in interest- which is 50 % interest. 

I believe HK Recovery is scamming people left and right. They tel me that I have a contract with them ... but they can not present a copy of that contract upon request.
I sent a letter to   XXXX   requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.
Transunion continues to report inaccurate information on my credit file and denies me access to Transunion as the law requires. I have sent Transunion a dispute via certified mail, via fax and via regular mail. I have waited more than the 30 days allowed by FCRA. They simply respond that the account is verified and do not do anything with my dispute. I 've even contacted some of the original creditors and they have confirmed no contact has been made with them. They simply drag out the process to make sure that they can keep reporting negative inaccurate information because of course that is how they make their money. This credit bureau consistently fails to comply with FCRA as they do not properly investigate or verify the accounts the report on consumer credit files.
XXXX is the bane of my existence! I have been dealing with them and these issues for over 3 years! They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me, and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. XXXX is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!
We are filing a lawsuit in the amount of XXXX $ against Great Lakes if they do not remove the accounts from the Credit Bureaus. They have failed to provide information proving ownership of the account and have not removed the account as it is Identity Theft from the credit Bureaus. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) XXXX. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ) You have VIOLATED FDCPA LAW for both and I will be filling proceeding with this lawsuit if you do not REMOVE THE ACCOUNTS FROM MY CREDIT REPORTS. IF YOU REMOVE THE ACCOUNTS I WILL DROP THE LAWSUIT
On XX/XX/2018 and XX/XX/2018 and XX/XX/2018 I reported that I was unable to pull or see my credit report or score to transunion. As of today, I'm still having the same issue.
My name is XXXX XXXX owner of my XXXX grand mothers home. Her legal address of the subject property is XXXX XXXX XXXX XXXX, XXXX Fl. XXXX. I sold the home to the same purchaser over 12 months ago. From that time the bank without my permission accessed the home with their preservation team, cut down and mowed down thousands of dollars of plants and trees after we called the police twice, filed reports and my realtor notified their preservation team and their contractor MM mortgage. From that time the bank has agreed to a settlement for damages but Im waiting for them to settle. Furthermore the bank came back with a very inflated counter offer to the purchaser which was unsubstantiated from an appraisal standpoint. The purchase offer is {$260000.00}. The bank came back at {$330000.00}. Which I refuted and worked very closely with XXXX XXXX department head XXXX XXXX for over 3 1/2 months getting their own contractors bids to show there is over {$120000.00} worth of structural repairs needed for the property including roof decking, shingles, termite damage, under ground plumbing damage, mold, flooring, upgraded electrical service, kitchen and bath room remodeling etc. The 1st appraisal showed {$25000.00} in upgrades at the {$330000.00}. Price. Ounce we established the Home needs over {$120000.00}. As per Bayveiws own contractors bids, the bank still refused to reduce the price to meet the buyers offer. Can you please help me!!!!! 
Obviously something is very ascew. 
Thank you, XXXX XXXX ( XXXX XXXX XXXX
On XX/XX/XXXX I applied for the American Express Platinum Card. For months, I would go to the Amex website and run their promotion tool to see if I would be able to get the XXXX signup bonus. This was a promotion that was offered to me in XX/XX/XXXX but I went with the Amex Everyday card instead. When I finally saw the XXXX signup bonus - I took it. On Friday XX/XX/XXXX I called Amex to see how much I had left to hit XXXX of spend to qualify for the signup bonus. It was than that I found out that I was being refused the XXXX signup bonus. The rep could not find any reason for the denial the made sense. I never had the platinum card in the past. I only had two Amex cards and they were still open and in good standing. He promised me that he would escalate this to their customer care team and follow up with me. He also told me to spend the money to hit the signup bonus so that they would have a reason to say no. He said he would follow up me and I did as he instructed. I called Amex on Thursday XX/XX/XXXX to follow up on the escalation and found out that it was never sent. The customer service rep lied to me. The next rep said that they would escalate it and transferred me to her manager where I left a message and asked him to pull the call from Friday and to please follow up with me. That never happened. On XX/XX/XXXX I called Amex again to get an update where I spoke with someone named XXXX. This individual lied to me several times. 1st she told me I was denied the signup bonus because I had the card in the past. When I told her I did not she placed me on hold for several min and then came back and told me I was denied by the marketing dept on XX/XX/XXXX and that they send me a letter. I told her I open all my mail and would have noticed that. She placed me on hold for another several min and then told me no correspondence was sent to me. Then she told me the offer was denied by their legal dept and that they did not have to notify me of their decision per their terms and conditions. What American Express did to me is the epitome deceptive business practice. The targeted me with a promotion and approved me for a card. Then they change recall the promotion without notifying me. They then profit by accepting my {$550.00} annual fee, merchant fees and me charging thousands of dollars because of their lack of transparency. Then when I find out about their unfair and manipulative business practice - I am repeatedly lied too and they hide behind their vague and ambiguous terms that they can deny a bonus for any reason and that they do not have to inform of tell you of that decision.
On XX/XX/XXXX, I entered into a vehicle retail installment contract with Santander Consumer, the loan was for 72 months, at {$390.00} monthly. The loan was to mature XX/XX/XXXX. On XX/XX/XXXX, my account was approved for the SCRA adjustment and my interest rate was adjusted to 6.00 % and my payment was decrease to {$300.00}. This agreement stayed in effect until XXXX XXXX, XXXX in which I had to recertify the adjustment. The application was approved on XX/XX/XXXX with an interest rate of 0.00 %. During the course of the loan I was granted four extensions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). With these XXXX extension being placed at the end of the loan my maturity date should have been adjusted on or about XX/XX/XXXX instead my maturity date is XX/XX/XXXX. 
I think the company did not properly adjust my loan balance when they approved my account under the Soldier Civil Relief Act for the 6.00 % interest and instead just decreased my payment leaving my balance total figured at the 15.99 % interest rate. I also do not think they adjusted my balance when they stated my account was at a 0.00 % interest rate either.
In XX/XX/2007 I took out a loan via a local bank, which is affiliated with American Education Services. Since receiving this loan I have tried my best to repay the loan. I am unhappy with the fact that the interest which is calculated at a daily rate keeps climbing. My original loan was {$16000.00}. So far I have paid {$7600.00} towards the principal and {$7400.00} in interest. That is a total of {$15000.00}, yet my balance owed is {$10000.00}. The calculated daily interest rate is what is used to keep you indebted long term as it keeps climbing, my current interest rate is 7.75 %. Why is this kind of unethical " practice '' legal, and what can I do? It's absolutely ridiculous that lenders can steal from borrowers as that is precisely what they are doing when they keep hiking up interest rates to keep you indebted. I do pay on my loans to the best of my ability in the hope of reaching the finish line of being student loan/debt free. But at this rate it is almost impossible when the lenders are allowed to sink their theiving fangs into people like myself who are trying to rid myself of the modern mob bosses who have free reign to do as they please to exploit the poor.
On XX/XX/XXXX, we paid the city of XXXX {$2400.00} for our quarterly real estate taxes using our account at Citizen 's bank. For some reason it was charged again on the XX/XX/XXXX, rejected due to insufficient funds, charged a bank fee, reversed on the XX/XX/XXXX, and then processed again on the XX/XX/XXXX when a deposit increased the balance to cover it. As soon as I discovered this I went into the local branch. The banker there filed a claim ( his idea ), and a credit was received XX/XX/XXXX.He also told us the {$39.00} fee would be waived, which never happened. On XX/XX/XXXX XXXX returned the second payment, and additionally there was a dda debit for the same amount. By the end of this there were 7 transactions in the amount of {$2400.00}. Four were debits, three were credits. Each of these transactions changed our balance, so at the end we are minus {$2400.00} plus the {$39.00}. XXXX, the company that apparently runs the online system for Ctitizen 's, claims we owe them a payment in that amount. I went in to the branch again and went over evrything and the banker agreed with me but refused to speak with XXXX. There is ( was? ) a note on our file with Citizen 's saying we are correct, but then they switched and said we owe XXXX, who has now turned this over to a debt collector. Please help
I tried to change my flight with the airline. I contacted the customer service department and was put on hold for an hour without anyone helping me. I disputed the charge with the credit card company and was refunded the money. The airline decided to respond to the claim AFTER the trip was scheduled and the credit card charged my account again. This is very deceptive. I should not have been refunded the money only to be charged AFTER the flights were to take place.

Document attached is what was sent to me by the back. It states I was a no show. I was refunded the money therefore I didn't think it was legal for me to use the ticket. I would have been stealing from the company.
I have tried numerous times to work with this company. I set up a payment plan with them Awhile back which they did not remove the late marks on my accounts. 
Also they threatened to send me to collections numerous times after I asked that I would pay if they stopped reporting me late. 
At one point they even threatened to let my employer know. 
They also have raised my balance from {$500.00} To {$1200.00}. 
I want this company to drop everything from my report.
MIDWEST RECOVERY SYSTEMS placed a collection account in my XXXX credit file. I do NOT owe them nor anyone they claim to represent any money!
In XXXX I was a victim of Citizens bank 's aggressive and unfair overdraft practices. For the past 6 years I have tried to resolve this harm. Rather than resolve this harm Citizens has damaged my credit, sent aggressive debt collectors to harasses me and my family, and have ignored my honest attempts to fix this wrong. I beg the consumer financial protection bureau for help. 
The Citizens Bank representative XXXX XXXX ( Office of the Chairman XXXX ) has not responded to at least XXXX voice messages left in XXXX and has not followed up within the 60 days that was promised during our last correspondence ( XXXX XXXX, XXXX ). The damage to my credit is costing me a great deal of money. It is also preventing me from applying to a mortgage. 
In XXXX a class action lawsuit was won and citizens agreed to pay customers that were previously harmed by the fees as well as to change their future overdraft practices. 
Citizens Bank did not pay or rebate the fees in my case because my account was overdrawn. Think about this. Citizens charged me {$700.00} in fees through unfair overdraft practices- then refused to remedy my case because I was overdrawn!!!!! 

Here is exactly what happened : XXXX weekend XXXX, I took my father to lunch on the Sunday. On Monday my account was negative over {$800.00}. How? Citizens put the XXXX lunch through as the XXXX transaction and then processed the smaller earlier transactions from Friday and Saturday. In total I was charged more than {$700.00} in fees. The branch manager would not refund this fees. I closed my account and told them I would never pay. I never paid. I never gave affirmative consent to the overdraft account. I would never agree to pay a {$35.00} overdraft fee for a {$1.00} cup of coffee. The {$700.00} turned into more than {$1000.00} and then according to XXXX debt collector {$2500.00}. 
I have been negatively affected by Citizens Bank 's poor consumer department, and the negative reports on my credit ( that has costs me huge in all aspects of credit ). 
The policies that affected me were : Did not obtain affirmative consent from its customers prior to processing transactions that resulted in overdraft fees. 
Manipulates and reorders transactions so that it can increase the number of overdraft fees it imposes. 
Manipulates and reorders debits from highest to lowest in order to maximize the number of overdrafts and consequently, the amount of overdraft fees. 
Delays posting of transactions by customers using debit cards so that customers are charged overdraft fees on transactions, even though the customers had sufficient funds in their accounts to cover the transactions upon execution. 
Charges exorbitant overdraft fees that bear no relationship to the actual costs and risks of covering insufficient funds transactions. 
Violates the consumer protection acts of certain states through its overdraft. 

My rights as a consumer have been violated for 6 years. I demand this is removed from my credit report.
Copy of my letter to the bank -- which was sent to XXXX instead of the XXXX branchTo whom it may concern : I 'm not sure if this email should go to you or not. But you have a branch here in XXXX XXXX, XXXX that is known to be the worst branch in the city of XXXX XXXX. There 's always a long line with XXXX or XXXX of you banking staff either talking to one another and socializing. Yes, I understand that you want your customers to start using online banking or better yet, the ATM machine. Well guess what? The ATM machine was broken today. 

None of your banking staff had the common sense to think that maybe that new teller needs help with the XXXX people in line -- using their lunch time to bank! 

So just to let you know. Terrible customer service. We all stood in line for over half an hour to put our money into your bank. Wow. This bank was a better bank with awesome customer service when it was known as Washington Mutual!
I have had to hire a lawyer because from day 1 when Greentree took over my loan from XXXX, I have yet to get a straight answer on what was owed, how much was owed, when it was due, etc. I need help!
On XX/XX/XXXX XXXX XXXX transferred {$1000.00} from Wells Fargo bank to me for her rent. Wells Fargo linked the payment to my email address XXXX which resulted in chase bank rejecting the transfer of funds because I have no account with them.and surely sending money to an email address can not be a sound or legal practice. I have called the bank 7 times been on hold and calls for over 2.5 hours and conferenced called with XXXX and XXXX from the XXXX XXXX AZ branch. My renter, XXXX XXXX, has visited the branch three times made multiple phone calls. She told me that the branch said it was my fault and I needed to figure it out. I asked for the district manager to call me XXXX XXXX which he never did. I received a call from XXXX XXXX executive office for online banking instead who told me I need to call a clearing center and wait 10 more days. Meanwhile I am being charged {$25.00} per day NSF by my bank. There is over {$1000.00} floating around in cyber space and Wells Fargo will not pay me or rectify the situation. Wells Fargo is putting the responsibility on me to call chase which I did, to call clearinghouse, to communicate between Wells Fargo online banking and branch management and I am not the banker. I am not employed there and I have called and done everything I can. Then a private note was forwarded to me that the banker made saying I 'm not cooperative, which I have attached and it makes no sense ( the comment ) in general. I did everything I can and it is not my tesponsibilty to find the money because according to XXXX it never left Wells Fargo. Please help.
Dear Sirs : I am filing a complaint against Wells Fargo for denying me a loan modification and for denying me an appeal, as well. 
I believe that I am entitled to a modification because my son, who is co-borrower, lost his jobs on several occasions and was denied unemployment. Although he has found other employment, He is not earning as much as before. We have gotten behind in payments and we are not able to afford the mortgage. 
If you could stop the foreclosure process and make my payments affordable, I will be grateful
I was scheduled to attend school at XXXX XXXX University XXXX XXXX XXXX in XXXX, Georgia. I was enrolled on XXXX XXXX 2004. I did not go to class at this school and I was withdrawn XXXX XXXX, XXXX. I originally signed a signature loan with XXXX XXXX ( now Navient ). My loan funds were not used and Navient is now showing that I owe them over 30k in student loans. I called both parties XXXX and Navient to explain that in this time frame I did not attend school. I keep getting the run around, Navient is blaming XXXX and XXXX is blaming navient. Navient has been calling harassing me about the debit, I did not realize until recently what school the debt was for. Navient took this debt and collected fees based on a 14 % interest rate and started asking for a XXXX dollar payment. I did not use this loan at all I did not attend the school. I am having to seek legal advice to possible sue Navient because I think they purposely did this to collect fund on their high interest rate. XXXX stated they sent the money back to navient but navient is denying that.
BANK OF AMERICA IS ATTEMPTING TO FALSELY FORECLOSING AS THE OWNER OF A NOTE THAT WAS SOLD TO ANOTHER ENTITY IN XX/XX/XXXX 
BANK OF AMERICA N.A.WAS NOT THE TRUE SECURED CREDITOR TO WHOM ANY ALLEGED DEBT WAS OWED AT THE TIME THE FORECLOSURE NOTICE WAS FILED. : Pursuant to NCGS XXXX XXXX c ) ( XXXX ) only the Secured Creditor can accelerate the maturity of the note. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX as substitute Trustee commenced this action by mailing a Notice of Default to the XXXX 's. Point 1 of this Notice states the following : " The Creditor to whom the debt is owed is Bank of America , NA s/b/m to BAC Home Loans Servicing. '' Concealing the true creditor. XXXX attached -plaintiff letter of default XXXX The representatives for Bank of America submitted an affidavit further concealing the true owner and creditor. ( attached-affidavit of XXXX XXXX and expert report on affidavit of XXXX XXXX XXXX A Response from a Qualified Written Request revealed that XXXX XXXX, not Bank of America , N.A . was the holder of the note on the date that the foreclosure was initiated. ( attached- letter from Bank of America confirming true creditor XXXX XXXX XXXX This finding was also confirmed by XXXX XXXX XXXX XXXX XXXX XXXX confirmation ) XXXX XXXX did not initiate the Foreclosure as required by law and XXXX XXXX XXXX XXXX, XXXX, Substitute Trustee, should have filed the action on behalf of XXXX XXXX as opposed to Bank of America , N.A .