WillisBack/dataset-financial-user-claim huggingface dataset:
I do NOT have any requisite OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. XXXX XXXX - Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX, 2. XXXX XXXX XXXX XXXX, 3. XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX  and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any
Received call from Premier Portfolio Group about a " bad check '' involving my name and social security number. They did not address be my name and only called my unlisted work phone number. I immediately found out there was a scam by searching phone number they left on message. XXXX Premier Portfolio Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I believe this is the fraudulent company.
On XX/XX/XXXX I did an ACH transfer of {$1000.00} USD to my CoinBase.com account for deposit into my USD wallet there. I followed Coinbase 's instructions and included their reference numbers in the transaction. Additionally, the name and address on the transferring account match the name and address of my coinbase account. On XX/XX/XXXX the monies had still not been deposited to my coinbase wallet although the transfer showed as completed as of XX/XX/XXXX from my XXXX XXXX XXXX statement. On XX/XX/XXXX I made my initial complaint via their online customer service portal. I had tried live phone or chat support however their website indicated that was not available and they steered me to public forums or online web based tickets. I completed a ticket providing my transfer details etc. I received an automated email that same day from coinbase that it would take up to 72 hours to respond. On XX/XX/XXXX I received an automated email from coinbase indicating a high volume of support requests and they wanted me to make a positive response to indicate my complain was still an issue. I did so on XX/XX/XXXX indicate my monies were still no transferred. On XX/XX/XXXX I sent another response to coinbase indicating I would be taking actions to recall the transfer if they did not at least reply to my issue. On morning of XX/XX/XXXX I visited my XXXX XXXX XXXX branch to recall the transfer. The bank indicated it had already been transferred to Coinbase and they could no longer recall the transfer. This afternoon XX/XX/XXXX I initiated this compliant.
Transunion has screwed up my credit. When I called I talked to " XXXX '' in XXXX, I asked to speak to supervisor and was transferred to " XXXX '' in Pennsylvania who immediately hung up on me. They do not answer questions or try to deal with issue. the people in XXXX can not even understand English. Due to their incompetence I can not find a place to live. They need to be shutdown and never allowed to have any influence on anyone 's life. My report is wrong and they do not care what so ever about correcting it. If something is not done immediately my next letter will be to Mr trump ( who is a family friend ) I am not messing around they are rude and incompetent.
I got hit with an inquiry from SYNCB National Credit Cards/Airlines, and just like some others, I was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX  tells you to contact Synchrony ... .thus an infinite circle of contact _____________ who will then tell you to contact ______________. I finally figured out I could file a complaint with Consumer Financial Protection Bureau and they get it done.
I filed bankruptcy over a year ago and it was discharged already. XXXX and XXXX ( the collection company were included. Now, XXXX has passed this debt to a company called Convergent. Once I filed for bankruptcy ; ALL COLLECTION IS SUPPOSE TO STOP. On XX/XX/XXXX, I found a collection notice in my mail from this Convergent company, this is a violation of federal law.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Transunion, XXXX, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
I called back in XX/XX/XXXX and requested to have the PMI removed because the house had increased in value and paid for Broker Price Opinion which they reflected a lower value and I do not believe they did a good job which was related to Arvest ( my concerns via phone ). Later I told them that I had filed for BKXXXX and was one payment behind and would like to see if a modification was possible and they conveyed optimism to me that this would be possible. after I submitted all the information they came back stating that all alternatives were denied except a short sale or deed in lieu which is not an option because I am only behind one payment and need to keep my home. I also received a new BPO price that would allow the removal of the PMI so I am confused as to why they have not removed the PMI.
Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX DIVERSIFIED XXXX or any company associate with this account # XXXX DIVERSIFIED XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX DIVERSIFIED XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX DOB XX/XX/XXXX SS LAST NUMBER OF SS XXXX XXXX XXXX FL XXXX
This is regarding a formal notification we received from a collection agency, EGS Financial Care , Inc ( XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, Phone # XXXX ) for Creditor - XXXX, Shipper # XXXX dated XX/XX/18 amount of {$550.00}.
On XX/XX/XXXX, a minor child damaged a gas line that was incorrectly installed on a property that I was renting. The utility company repaired the line. The utility company demanded that I pay for repairs. I refused because the gas line was incorrectly installed and because I did not damage the line. The utility company referred their alleged tort to a collection agency. The collection agency sued me in small claims court. The court dismissed the case because in Oregon a plaintiff must sue the responsible party ( the minor ) and then add the parent as a defendant if the child 's actions were " intentional '' or " willfully negligent '' ( ORE 30.765 ( 3 ) ). 

On XX/XX/XXXX, the judge ruled in my favor, dismissed the case on the grounds that the collection agency failed to name the child as a defendant, and instructed the collection agency to pay my court costs. As of today, the collection company still has not paid the court costs. Instead, the collection agency falsely reported the alleged tort as an unpaid debt to the consumer credit reporting agencies. My credit score dropped. My interest rates went up. I have been unable to purchase a home or to get a business loan as a result. 

I consulted several lawyers who all confirmed that an alleged tort does not qualify as a " claim '' under Oregon law ( ORS 697.005 ) and that collection agencies can not solicit a claim for any amount that does not meet that definition. 

In a XX/XX/XXXX letter to me, the utility company 's claims manager acknowledged that the matter is not a " claim '' but rather a tort and and defined a tort as " a wrongful act, not including a breach of a contract or trust, that results in injury to another 's person, property, reputation, or the like .... '' in his letter. 

Through much correspondence, I warned the collection agency and its lawyer that the Fair Credit Reporting Act 's Section 1681o grants actual damages, lawyer 's fees, court costs, and punitive damages to consumers when a collection agency willfully reports false information. 

Still, they continue to report the item as an uncollected debt. 

I have requested that XXXX, XXXX, and XXXX remove the item from my credit report three times, most recently today.
I have no derogatory marks on my financial history since I first established my credit history. I am employed and have been for the last 6 1/2 yrs with the same employer. I have shown myself to be a good credit risk for several years, however, all three reporting agencies refuses to allow my credit score to rise higher than the mid 700. This could only mean they are using factors that play no part in my financial risk i.e. my gender, race, and my demographic which are all bias.
In XX/XX/XXXX, my mortgage was transferred from XXXX to Rushmore Loan Management Services. I paid my regular mortgage amount ( XXXX ) with no problem. In XX/XX/XXXX when I attempted to pay my mortgage I was told that was the incorrect amount, that my mortgage was XXXX. I disputed this amount and asked that this discrepancy be investigated. On XX/XX/XXXX, I paid the regular payment ( XXXX ) and was advised that the reason for the additional amount owed was because I had requested and received a loan modification from XXXX  that INCREASED my interest rate from XXXX to XXXX! I assured them that I had not requested a loan modification, that no one requests a modification to INCREASE their interest rate, and that Rushmore must produce the paperwork because I had NOT signed any such modification agreement. Rushmore said they would continue to investigate. I began receiving past due calls from Rushmore and on XX/XX/XXXX, under threat of Rushmore beginning Foreclosure proceedings, I paid the additional {$77.00} with the request my additional funds be refunded to me when Rushmore got this straightened out. 
Early XX/XX/XXXX I received an Audit letter from Rushmore dated XX/XX/XXXX acknowledging their error and saying my payment was correct at {$460.00}. They said the correction wouldn't take place until XX/XX/XXXX but if this created a hardship I should let them know. I let them know. 
In XX/XX/XXXX I continued to get past due calls from Rushmore saying they had not received any payment in XX/XX/XXXX. I disputed this and provided them confirmation numbers for my payments and I requested the {$77.00} over payment be refunded to me. Because I am on a fixed income on XX/XX/XXXX, I paid my loan for the regular amount ( XXXX ) explaining to the Representative that I had a letter confirming this was correct. After she put me on hold to research this and check with her supervisor, she came back and took my XXXX payment. 
The XX/XX/XXXX statement I have from Rushmore shows an amount due of XXXX showing the XXXX past due. The second page of the statement shows the two payments made in XX/XX/XXXX of XXXX and XXXX. 
I just received a letter dated XX/XX/XXXX from Rushmore that is " Notice of Intent to Foreclose ''  stating the my mortgage is in default due to non-payment of the XX/XX/XXXX payment and stating that my regular monthly payment is XXXX. 
To cure this " default '' I must pay XXXX by certified check and that the total amount due is {$1000.00}. Failure to do so by XX/XX/XXXX will result in acceleration of the loan, foreclosure and sale of the property. 
I consider this harassment at this point. I have not only paid the XX/XX/XXXX mortgage and the additional error amount which they show on their XX/XX/XXXX statement, but I have also paid the XX/XX/XXXX correct amount noting that to pay the additional error amount would create a hardship.

I continue to receive past due calls from Rushmore even though the letters and statements I have from them show my payments and correct amounts due.
Equifax, Trans Union and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.
My complaint is against XXXX XXXX XXXX XXXX in the amount of {$1400.00}. This debt has not been validated as I have asked before. I need validation of this medical bill, they are not the original owners of the debt. I will not take verification. I also had XXXX so the debt need to be submitted correctly for XXXX can pay it.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The company is named XXXX XXXX, There two account with them. The first account show 120 days late with no payment history which was paid in full. I spoke to them about the account and told them that I paid it off. The person that was handling the account at the time post my payments to the wrong account and did not never fix it on the credit report. The company had a greed to remove it but never. The district Manager prior to leaving the company had agreed to fix it but left before completing it. 

The other account was agreed in the amount of XXXX to pay the account in full and then declined after a new district manager took over. I contact the company about the problem they ended up taken the payment after going back and forth about it but then reported 30 days late which now is effecting the lost of XXXX dollars point purchase towards a new home for my family.This has dropped my credit score down by 95 points which makes my mortgage lender to back out of the purchase with a lost on money for me. 

This is not fair in keeping the integrity of the companies word to the customer. I have disputed this item several time and it remains unchanged with a letter for request of removal from the the company.
The website : XXXX used by the credit bureaus for marketing only allows for electronic opt-out for 5 years and a consumer must print out and mail in a form to permanently opt-out. This is ridiculous. 
A consumer should be able to permanently opt-out of marketing online, the same as you can for 5 years. Why do they even offer 5 years opt-out? It 's a scam by the credit bureaus to keep people from permanently opting out by making it more difficult and having to mail in a form. 
I do not have access to a printer at home and this is a hardship on plenty of other consumers, I am sure. 
Thank you, XXXX XXXX
XXXX XXXX Bank Account ending XXXX is showing past due for XXXX 2015. 
XXXX XXXX Bank Account ending XXXX is showing past due for XXXX and XXXX 2015I have been paying these monthly through XXXX ( XXXX ).
i been communicated via letter, via phone with experience, i must send 10 letter and over 10 calls, which you get a XXXX, XXXX XXXX  never one here in teh us, disputing errors on my credit report, letter after they do nothing, they are fraudulent, hurting my changes of getting a home. I am a responsible citizen, that works pay her taxes and bills on time, this comapny intentionally is not reacting to my claims
I received a letter from Winn Law Group on XX/XX/XXXX regarding a debt and account from XXXX??? I never received a summons, later found the paperwork submitted to the court was false!!! I was never served and after not receiving the needed paperwork from Winn, I obtained paperwork from the court myself, where I discovered false paperwork had been submitted by Plaintiff to the court, and I also found the Plaintiff has a court lean against my property too since I failed to appear for the hearing???

I have sent a total of three letters to Winn and in my last letter dated XX/XX/XXXX in which I offered to pay in-full a cash settlement of {$1800.00} and I also requested if the settlement was accepted by Plaintiff they remove the leans against my home. 

As of today I have NOT received a reply from Winn Law Group, as is why I have filed the cfpb complaint.
Our situation is a little different than the typical " student '' debt situation. My husband graduated in XXXX of XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with FSBPT came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a XXXX XXXX. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ /hr. The 3 other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share XXXX bedroom, no insurance and lots of debt. 

The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld Systems XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an IBR of {$200.00} a month. Still difficult for us but what are we suppose to do? 

We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!
I am not able to accept the modification offered by Ocwen Loan Servicing , LLC .
On XXXX2016 XXXX XXXXXXXX reported hard inquiries to my credit report. I have never applied for credit at XXXX XXXX. I have contacted the lender and have had no success on removing inquiries. Please help
This company keeps calling me and I do not owe them any money. I spoke to them and told them my name, I live alone, and that I am elderly. I asked them to stop calling but numerous times per day they call. The number that appears on the caller ID changes so I do not know if this is a scam but their harassment needs to stop.
Citibank has started assessing overdraft fees to my account, although I am not enrolled to allow for charges to be made to my card when my balance is low. When I contacted Citibank and asked for them to reverse the fee, they told me that overdraft fees are required as part of the terms and conditions of my account. I never signed on or opted in to any program that would allow for overdraft fees to be assessed to my account. Citibank told me that this is standard to all their accounts, that I can't be removed from the overdraft program, and that they would continue to assess overdraft fees, and I should be more conscientious of my budget. I told them this was illegal per 2010 's Overdraft Protection Law and I was told that I just didn't understand the law and that their fees were typical. 
The fee was eventually reversed, but I was told it was a " one time courtesy '' rather than a correction of a policy that is in violation of the law regarding consumer account overdrafts.
-- Price gauging with foreign transaction fees at Bank of America BankAmericard credit card -- I was charged a foreign transaction fee in the amount of 3 % of the transaction value for the purchase of a rental car at XXXX, which I charged to my BankAmericard credit card. The purchase was in XXXX. A nominal charge of 0.5 %, capped at a certain max. transaction value, would be acceptable and fair on transactions in foreign currencies, but 3 % is price gauging.