WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX North American Credit Services, XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX XXXX : Acct # XXXX, XXXX, XXXX To Whom It May Concern : This is my Final attempt to try to remedy this situation. regarding your response, I will file a small claims court in my local state against your company. This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU {$380.00}, {$100.00}, {$37.00}, {$640.00}. 
By not replying in a timely manner to my initial letter and you failed to provide me a copy WITHIN 5 DAYS. A debt collector is required to send me a written notice within five days after you are first contacted, telling you the amount of money you owe. The notice must also specify the name of the creditor to whom you owe the money and what action you should take if you believe you do not owe the money. you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 
I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau
Following below on attachments - - My letter to the lawyer XXXX XXXX XXXX is using - XXXX XXXX Letter that found me in favor and that XXXX XXXX XXXX issued credits and agreed to keep it on.

- Email documentation of service not rendered and letter sent to XXXX XXXX XXXX dispute services.

- XXXX XXXX XXXX collection agency letter.
Went into an Ace Cash Express # XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX, CA on Sunday XX/XX/XXXX Sunday and gave them {$620.00} to make a rent payment. The money was to be transmitted to an account number provided by a detailed invoice that had account number and biller name. Provided all the information and when the receipt was printed it didn't have any of the information that the receipts normally have in the same area. The store was about to close in 40 minutes. 
So if the receipt is missing vital information, that raises a red alarm. So when asked for a refund as soon as the receipt was given, the csr lady said it would not be a problem. The problem was that her manager had to approve the refund. Well she called the manager Named XXXX XXXX and when she explained the situation over the phone, XXXX XXXX told her to tell the customers to come back tomorrow and hung up. The refund was not guaranted either, it's just come back tomorrow. So after giving someone {$620.00} we are not going to walk away with any kind reassurance. We asked for a refund and the money has not been wired yet. How am I going to trust the same business that just acted like that. So the lady kept on calling and calling for ace corporate or any others manager. XXXX would not answer his phone or anything. So finally she got a hold of a lady manager and that lady finally responded and talked with me. I had her call me and she took my number, we left the store 20 minutes after closing. Then to make things worse there are people XXXX XXXX outside the store. Overall this situation was mishandled and should have been resolved really easy. Instead it was mishandled in the most irresponsible and lazy way possible by XXXX XXXX. It wasted everyone 's time money and the stress was so high the other customers couldn't even get proper service. I am still waiting for my XXXX call from the manager or a refund. There is no moral to this story, it's just someone being irresponsible and lazy. I've attached a photo of someone XXXX XXXX
The auto loan for {$100000.00} was extinguished in a chapter XXXX filing Open accounts in good standing Based on your credit report TOTAL OPEN BALANCES {$110000.00} {$520.00} CREDIT CARDS $ {$2500.00} REAL ESTATE {$0.00} AUTO LOANS {$100000.00} STUDENT LOANS {$0.00} OTHER LOANS {$0.00} COLLECTIONS {$0.00}
A XXXX XXXX credit card that was opened in XXXX was sold to a debt collector XXXX and I settled with them in XXXX of XXXX. In XXXX XXXX notified XXXX  and the account was deleted from my report but XXXX  and Experian re aged account with severe derogatory status and I have been denied 3 loans recently.
My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
The following addresses are not accurate please delete them : XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX   XXXX, OH XXXX
I have a auto loan with XXXX XXXX. The repo 'd my car and left a balance of. This attorney Mapother & Mapother sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with XXXX XXXX And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.
On XX/XX/XXXX i got sick and spend a few days out off work. Two weeks after i was told by my Doctor that i needed XXXX i spend two months at home after XXXX and i receive a XXXX XXXX   XXXX check which was less than haft of my regular paycheck i wasn't able to make any payments on my monthly bills my utility bill was the only thing that was paid on time. 
XX/XX/XXXX i was able to go back to work and started paying all my late bills and was able to get up to date with everything.Thank God my mortgage is up to date. i check my credit report and i saw how much this situation affected my credit.
I have mailed in a dispute to Experian and they continue to ignore my investigation request, and only remove the inquiry. They do not investigate the actual accounts, they ignore the dispute request all together. The following inquiry for XXXX XXXX XXXX was deleted. The account needs to be deleted as well as it does not belong to me. In addition, the following accounts need to be removed as well : These accounts do not belong to me : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Account XXXX. 
3. XXXX XXXX XXXXXXXX XXXX XXXXccount XXXX The payments have never been late on this account : XXXX XXXX XXXX
I responded to an offer from Chase Slate Visa to transfer balances from other credit cards to theirs for an introductory offer of 0 % and no balance transfer. This offer was clearly stated in the mailing I received in XXXX 2016. I was approved and attempted to transfer a balance from another visa account on-line. I received a letter a few days later telling me the balance transfer was not processed because, " the payee address in unknown '' interesting to note they never asked for the address. Upon receiving the chase slate visa card, I activated it and called their customer support to attempt to process the balance transfer I was attempting to do previously. This time the agent tells me the account I gave them to transfer was n't a visa account. The visa credit card I have a balance on that I wanted to pay off using the new chase slate visa, was issued from XXXX XXXX XXXX XXXX and is a legitimate visa credit card account - their address is XXXX. XXXX XXXX XXXX XXXX UT XXXX, my account is through a branch in XXXX UT. The slobs at chase slate visa have clearly sent fraudulent information in a mailing, ( which I have copies of ) to entice me to sign up for a credit card account without honoring their 0 %, no balance transfer fee offer. This practice is unethical and illegal, and I do n't appreciate their deceit.
This is an unverified debt and I've already filed chapter XXXX bankruptcy prior to the date of the debt ( s ).
[ in the prior section, I was forced to put something down, this was not related to closing an account, we never got that far .... ] XX/XX/2018 ( Phone call took place at XXXX XXXX. MST ) A Gentleman by the name of XXXX introduced himself to me as being with Capital One, and was keenly interested in transferring all of my EXTREMELY high credit card balances over to his rather modest 4.9 % credit card. When I explained to him that I don't have a credit card, and that I am currently on the National Do Not Call List, and asked to speak with his manager,  he promptly forwarded the call over to the FBI. 

Capital One calls me harassing me, nearly everyday ; and somedays they call 4 and 5 times. ( well not me personally, they'll speak with anyone who answers my phone, I don't think that they actually know my name, just my phone number ). They are playing hardball cold call phishing As I previously stated XXXX, forwarded my call over to the FBI, where I spoke with a gentleman who re-directed me to the CFPB to file a complaint.
On XX/XX/17, I noticed a Misc Debt from my checking account, I have it set up as also direct Deposit, court order, for my Ex husband, he is not a authorized user on account. For monthly payments. I went to the XXXX XXXX, Nj bank, and they internal search, XXXX was Able to track it down at another Location, funds were being taken out, I never received a letter from the Bank or call, saying it was being Taken back out. This was done at another location with a withdrawal slip, at a teller booth. At first they said someone used by debt card and I took it out. I find this to be poor business handling in the Finacial Institute.
They said they would call me back, nothing yet on wht happen, I m afraid this person going to go back into my account. For they blamed me first, until they realized.
I contacted Ocwen today regarding the conflicting status on the account and was placed on hold for a long period of time. I was later told that because we were working with our relationship manager that I had to call another number. The number provided was the number to the Office of the Ombudsman. This office took our information and placed my wife on hold later coming back and stated that we had to Contact XXXX XXXX because there was nothing they could do even after telling us the day before that there was not active sale, but today stating that there was a sale on Friday XXXX XXXX, 2016. When XXXX XXXX was contacted via email, counsel said that because 1 year ago, we had said that we were not interested in a modification, that modification chances were off and the sale would be held on XXXX XXXX, 2016. An email was sent back stating that we were interested in a modification. The attorney came back and said no to the opportunity for a modification and said that any future communication concerning the matter must be directed to him ( cutting off any contact to our relationship manager, Owen 's Office of the Ombudsman and Customer Care ), just XXXX day after the Relationship manager said that there was no sale pending and that modification assistance was available.
Despite closing my checking and savings account at Wells Fargo over a year ago, they continue to send me letters and updated about my " account '' with them. I have gone twice in person after initially closing my account because they claimed I had a balance of XXXX penny. It took me three months and XXXX visits to stop receiving that type of letter. Just now I received a letter about my wells fargo online services being updated. Since I am no longer their costumer I would like them to stop storing my contact information and stop contacting me. I found my experience to be caused by repeated incompetencies and inconsistencies by Wells Fargo employees and do not feel that this matter can be resolved through their support department.
I have tried to dispute my account with the creditor Synchrony bank, which appears on my XXXX  and XXXX credit report ( see attachments ). I contacted Synchrony bank directly requesting them to provide me with verifiable information that this debt is indeed owed by me. They responded with the attached letter, stating that this account has been sold to XXXX XXXX XXXX. If this is the case, Synchrony bank should not still be reporting this account to my credit file. I have asked them to remove this, and they have refused. This in return has negatively impacted my ability to obtain credit.
Re JPMorgan Chase Bank, N.A. 

On XX/XX/21, with my XXXX year-old daughter, I visited branch at XXXX XXXX XXXX, XXXX, IL, XXXX, to assist her in withdrawing funds from and closing guardianship account on which I was her guardian. Bank wouldn't allow this, insisting erroneously that account was " restricted '' and that funds could not be accessed for two business days. Court order pursuant to which this account was opened entitled my daughter to draw these funds as of her XXXX birthday. The only " restriction '' on the account was thus the bank 's unwillingness to release the funds. This was illegal and caused my daughter and me significant inconvenience.
The original creditor sold this debt to a collection agency, they also wrote off this debt on their taxes which wrote off my obligation to pay but I paid anyway. This contract was cancelled which means NO CONTRACT.
My account wa s sold from Santander to a 3rd party vendor who I am working with their law office to pay back for a car that was repossessed about 6 years ago. For the last couple weeks   XXXX    separate " litigations '' or " law offices '' have contacted me about the debt and stated that I am going to be sued and threatened to take me to court or show at my job and serve me. I already told them its odd I am being sued for something I am currently making payments on and have documentation for the payments and even went to court for it. I googled the phone numbers and they have all been listed as scammed. I also called the 3rd  party vendor (   XXXX    ) and was informed that the original creditor Santander was subjected to a scam hack and companies have obtained information from folks and have been contacting them. It concerns me because the individual stated my  FULL  social security, date of birth and address AND work environment. I began being suspicious when she told me the account and stated she can settle it for over 80 % less than what I currently owe and expunge the information off of my credit. She was persistent on receiving a payment when I asked her to send me a copy of the letter or debt from their office. I eventually hung up.
I paid my American Express balance in full between 2 payments - 1 ) XX/XX/XXXX {$300.00} in rewards cash and 2 ) XX/XX/XXXX {$11.00} in online payment from by bank account. Balance due on my account was {$310.00} from my statement printed XX/XX/XXXX with payment due date of XX/XX/XXXX.

American express credited my account by {$310.00} ( paid in full ), but is reporting my account as 30 days past due because I used American Express reward dollars as part of my minimum due ( {$35.00} ). My account has been paid in full nearly EVERY month since XX/XX/XXXX. My XX/XX/XXXX statement shows my account paid in full of {$310.00}, but American Express is not honoring their own reward dollars as payment.

I made a similar combined payment for myXX/XX/XXXX statement - {$150.00} in rewards dollars and {$19.00} ( minimum payment was {$35.00} ) from my bank account and American Express accepted my payments as bringing my account to a XXXX balance and did not increase my minimum due.

I have paid my account in full - {$150.00} in debit from by bank account and need my reward dollars back from American Express in the form of a check.
I pay my bills on time and even provide double payments or triple payments some months to pay my RV off as fast as possible. I verified the ability to do this through my initialloan applicationwhenIpurchasedtheRVandover the years with BOTW representatives. On numerous accounts I was told the following if I make consecutive payments over the minimum balance, the overages would be applied to my principal. I've been doing this with BOTW since the inception of my loan, only to find out that BOTW has been applying my double payments as interest charges. Ive included a breakdown of my account activity using data provided by BOTW and my checking account for information prior to the online records BOTW keeps. I have several months where ZERO percent of my payment wasnt applied to the principal.BOTW website is designed to confuse consumers and squeeze as much finance charges as possible from their loan applicants. I have a number of other loans with various banks who give account holders the option to pay their principal online or work with them to resolve issues with loan payments. BOTW has hung up on me numerous occasions and I wasn't yelling, cussing or acting unreasonable.
Transunion Credit Report FILE NUMBER XXXX Dispute opened X/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Is reporting a collection of {$380.00} for XXXX services obtained by rental tenants at XXXX XXXX XXXX, XXXX, MT XXXX I owned this home and it was rented. I did not contract for XXXX service at this address! Neither XXXX XXXX XXXX or Transunion or XXXX have been able to explain why this collection is appearing on my credit report.
This account ending in XXXX : Transaction as Credit of {$3000.00}, which never was placed back into my account from XX/XX/2018 claim # XXXX. On XX/XX/2018 transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XX/XX/2018 @ XXXX XXXX. she gave me the same claim number for another transaction dispute done on XX/XX/2018 in the amount of {$3000.00}, for XXXX again. I called XXXX on XX/XX/2018 spoke with XXXX  and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX   placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XX/XX/2018 for an temporary credit adjustment for claim # XXXX, but was not issued on XX/XX/2018 into my account. I have called several times to resolved the issue, but have not. It has been 5 months and account still the same. I felt that Bank of America discriminated, delayed responds, non-responsive, used inaccurate information, retaliated against me when I filed my complaint. I now have another account ending in XXXX  with Bank of America with the same problems.
I attempted to go through the dispute process with Equifax regarding an erroneous item on my credit report allegedly involving XXXX XXXX. The amount being claimed is {$2500.00}. This item originally was brought by XXXX XXXX XXXX. I complained. I subsequently tried to have my credit cleared. It was then pursued by XXXX XXXX XXXX XXXX after I went through the Equifax and XXXX dispute process. The only cellular phone services I ever used were XXXX XXXX and my current carrier, XXXX. I never had a XXXX account. I am also concerned about the fact that the item appears as " open '' anew once a new collection firm acquires the matter. This is very unfair. I feel that as a consumer, I am being abused by both Equifax and XXXX. They conduct themselves in a manner that is biased against the consumer and favorable to corporate interests. In this instance, I am having a harder time getting this erroneous matter off of my credit report than these corporations have getting them on my report. Please help me.
The statue of limitations has expired for the outstanding HELOC with 5/3rd, but they are not going to provide me with a lien release.
I have been the victim of identity theft accounts were opened in my name fraudulently. 

- My current address ( copy of lease attached ) as of XX/XX/XXXX is : XXXX XXXX XXXX XXXX XXXX, FL XXXX  - Previous Address 6 months prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX  - Previous Address for two years prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX  I previously submitted a paper affidavit that was notarized and now I am including the official FTC Identity Theft Report filed with the report number. The following accounts are fraudulent and not mine. 

I have been the victim of identity theft the accounts were opened in my name and not done by me : 1 ) XXXX  Acct # XXXX  2 ) XXXX XXXX   Acct # XXXX  3 ) XXXX  Acct # XXXX  4 ) XXXX  Acct # XXXX 5 ) XXXX  Acct # XXXX 6 ) XXXX XXXX Acct # XXXX  7 ) XXXX  Acct # XXXX  8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX  10 ) XXXX XXXX XXXX Acct # XXXX  Please remove the following fraudulent inquiries not made by me : XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
I am filing this complaint because Equifax has ignored my request to provide me with the documents the their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I disputed. Please resolve this matter as soon as possible. Thank You