WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. Prove to me beyond a reasonable doubt that I have a signed contract with Medical Data Systems agreeing to pay this assigned debt. Please prove that you are the original creditor for Account # ( XXXX ) and Account # ( XXXX ). 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
I received a XXXX XXXX rebate card in the form of a prepaid XXXX issued by JP Morgan Chase. I forgot I had the card and did not use it before it 's expiration date. 

I called the number on the back of the card and was told that my {$30.00} card now had a balance of {$2.00}. Chase had charged a monthly maintenance fee of {$3.00}. This seems excessive and is a convenient way for Chase to take the money from forgotten prepaid cards. This maintenance fee is described on the back of the card in fine print that is almost impossible to read. 

I requested that the fee be waived but the people at XXXX were unhelpful and insisted that the fees were justified. 

I see no legitimate reason for this fee. It is only a way for Chase to keep the money and ignore the unclaimed property laws. 

From : California Code of Civil Procedure Title XXXX, Chapter XXXX - Unclaimed Property Law XXXX. 
Deduction of Fees No service, handling, maintenance or other charge or fee of any kind which is imposed because of the inactive or unclaimed status contemplated by this chapter, may be deducted or withheld from any property subject to escheat under this chapter, unless specifically permitted by this chapter. 
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.
From XX/XX/2014 through XX/XX/2014, XXXX/Navient is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX/Navient.
This is an update to a previous complaint filed with  Discover Card  regarding the fraudulent charge place on my Discover card ending in  XXXX  which has been open since  XXXX . In re-opening the case they have once again denied the fraudulent balance transfer in the amount of {$4000.00} dollars and in fact I have come to find out that my signature was in fact forged by a minor child who was  XXXX  years of age at the time. This new information has also been given to  Discover Card  who refuses to acknowledge that they in fact did take and accept a forged check  (  check #  XXXX   XXXX  on   XXXX   and put the charge onto my credit card ending in  XXXX  for which I am the only authorized user and for a card which has remained in my possession only. My first complaint was filed on   XXXX   and was investigated until   XXXX   when I was once again notified that there had been no fraud committed on my card.  Discover Card  as Im learning thinks they are above the law and not responsible for any mishandling of consumer charges or funds. An perfect example of this is when dealing with debt relief agency  Discover Card  is the only credit card company who will not negotiate unlike other credit card companies.  Discover Card  's staff uses scare tactics and intimidation to accomplish a no negotiation even when the error is their own. Im am disgusted with their policies and the manner in which they handle fraudulent claims. They simply deny and fraudulence even when it can be proven. This manner of business is corrupt and should be un-exceptable for any business and or bank.  Discover Card  has failed to use proper checks and balances to prevent fraud but has every policy and procedure in place to protect itself but not the consumer therefore Im updating and once again submitting a complaint against the Card company that thinks it can do no wrong and will not accept any responsibility in improper safeguard and protections to the consumer. Forgery is a crime and for whatever reason  Discover Card  refuses to accept this because that would mean they did something wrong so I do n't know why I even bother wasting my time and words because  Discover Card  does not make mistakes even in criminal situations. They simply deny and fraudulence and therefore are never held accountable for bad business practices.
on XXXX XXXX, XXXX my husband and I short saled our house. We have not received the 1099c to do our taxes. I have emailed and my husband called on XXXX XXXX, XXXX about this matter. I called today XX/XX/XXXX and was told by customer service that we will get it by XX/XX/XXXX. We found out that our credit reports were all messed up because of XXXX XXXX. We could not get another loan and I could not get a job because of this. I am still trying to find a job. We have all documentation for credit reports to prove that XXXX contacted and put addresses that we never lived at. I still have a lawyer on my credit report that should not be there.We should have received our 1099c in XXXX. They had plenty of time to do this. Thank You
My  XXXX  Credit Card is reporting me 30 days late. I never made a late payment and only followed directions that their representative gave me.
First Tennessee Bank charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.
At XXXX XXXX ET on XX/XX/XXXX, I got an email that my XXXX Litecoin ( roughly {$5500.00} at that time ) from XXXX has been deposited successfully into Coinbase. Right after that, I got onto Coinbase to sell my Litecoin. However, the limit sell order I made did not go through, and instead was in a " pending '' state for over 20 minutes. After that, it was reverted back into an " Open '' state, which obviously meant that it did n't go through. I then tried to cancel that order, and that was when I got restricted. Not only could I not sell out my currency to USD, I 've also been locked out of my account. I 've sent in numerous support tickets and also called their customer support line ( 2 hour hold ), but no one gave me any reasonable response, and my money is still held hostage.
AES is the worst financial institution I have ever dealt with ( and I 've XXXX ). They continually mislead consumers with their billing statements. They deliberately exclude the accrued interest on principal balances and do NOT show the proper account balance on regular billing cycles! 

This harms consumers. We can not make the best, most informed repayment decisions if the information we are receiving is partial and misleading. 

I am disgusted with this company. These interest rates are so outrageous they should be illegal. Incorrect or incomplete customer correspondence & billing should be a crime and this company should be prosecuted and heavily fined.
I have " opted out '' of all overdraft options offered for ATM charges, Checks, and any withdrawal of any kind that will overdraft my checking account to prevent overdraft fees. 
Yet Citizens Bank continues to process individual ATM transactions and Debit charges which overdraft my account, and incur fees. This complaint involves {$120.00} in overdraft fees, of which the bank refused to refund {$60.00} for a situation they caused by not following their own checking account clearing protocols which incurred the {$120.00} in unauthorized overdraft fees which started XX/XX/XXXX and which they waited until XX/XX/XXXX to issue a US Postal Service Notice of, which I received XX/XX/XXXX, due to XXXX XXXX  Holiday, all the while incurring additional overdraft fees, {$60.00} of which they refuse to refund, despite admitting it was their mistake. 

XX/XX/XXXX Fee Rebate Fee Rebate {$30.00} - {$170.00} XX/XX/XXXX Fee Rebate Fee Rebate {$35.00} - {$200.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$230.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$200.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$170.00} XX/XX/XXXX Fee Overdraft ( 1 At {$35.00} ) |eNotice - {$35.00} - {$140.00} XX/XX/XXXXDebit ( Unauthorized Overdraft ) XXXX   XXXX Online Pmt - {$80.00} - {$110.00} XX/XX/XXXX DBT Purchase ( Unauthorized Overdraft ) XXXX XXXX XXXX Oh XXXX - {$45.00} - {$34.00} XX/XX/XXXX ATM Cash ( Positive Balance ) XXXX XXXX XXXX Oh XXXX - {$40.00} {$10.00}
I refinanced a loan with Nationstar in XXXX XXXX and every since I have been making Bi-weekly payments and since then I have to send an email through the website on my account to correct the total payment every month. All other financial institutions I deal with accepts biweekly payments accordingly with no issues. Why cant nationstar? They advertise biweekly through there system but I do automatic payments through my bank. I have used there XXXX XXXX XXXX in the past with biweekly payments and the money was placed in full once a month therefore not reducing principle and interest as it should have as advertised. I do n't understand why they cant handle biweekly payments as others do.
Someone attempted to gain access to my accounts held at USAA bank via email and telephone. The individual was successful via email, but unsuccessful via telephone which prompted the bank to " freeze '' the account. Freezing the account prevented a regularly recurring disbursal from occurring. As a result, the creditor who would have received that disbursal filed the ultimately late payment against my credit score. 

The creditor, upon contact, indicated it would remove the report if it was due to identity theft. I contacted USAA asking for written proof of the incident that I could send to the creditor, but the bank has been non-compliant.
I have contacted both southwest credit systems and XXXX to have collections removed from report. I have submitted paid in full letters and talked to both parties AND credit bureaus but they keep giving me the run around. One company is saying it 's on the other company and another company is saying it 's the other one. I need it removed.
I wrote to the company on my credit report SOLOMON & SOLOMON P C with an Account Type as collection, Status Closed and Paid. I asked them to remove this from my reports and to show me evidence that I have a contract with them. I wrote to them from XX/XX/2018 and to date I have not received a response. I would like this negative to be removed from my credit reports as it is causing a negative impact on my credit.
Cap one quicksilver. Got a new card and my XXXX transaction was declined, the company stating fraud. Was asked to email my drivers license which I did but was not comfortable doing. Can not use card.
XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me. 

If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, Experian, and XXXX XXXX ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages.
Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
I have tried several times to contact Experian on behalf of removing the fraud alert on my report. As of today, the fraud alert still exists.
XXXX   XXXX  accessed my credit file on  XXXX   XXXX ,2017 without my permission. I have contacted them via mail, email, fax and phone to notify them that I had not given them permission to access my account. They have failed to remove this inquiry as requested. I have provided them all the information necessary to address this issue to no avail. They have this inquiry still placed on my Equifax credit report.
Hello I cald trans union about inquiry issues on my report an the customer service sed the ca n't help me delete this items after that the hung up the phone
On XXXX State Home Mortgage processed a total payoff amount for my loan, bringing the principal amount to {$0.00} and leaving a positive escrow balance of {$800.00}. On XXXX they processed a payment out of escrow of {$120.00} for a mortgage insurance premium, with XXXX principal balance on the loan. As off XXXX they have not processed my request to refund the balance of my prepaid escrow account.
I began social security and the loan company OSLA decided I could get a XXXX XXXX XXXX  discharge based on the time my condition is set to last. I really need my credit score to go up and reflect this information please feel free to contact OSLA.gov/Nelnet/SSA to confirm this information all these apartments do credit checks and im XXXX so I need my score raised I have paid back many loans and cleared many bank accounts so please help
Credit Bureaus are reporting a tax liens that fail to have my Social Security Number or DOB on the recorded lien as required by reporting regulations. XXXX 2017 reporting regulations require complete SS number or DOB. They also failed to report lien was being disputed with-in required time frame, or report dispute at all.
We have been trying to obtain a loan modification from Wells Fargo. We have a previous complaint number on this case ( XXXX ). We were told to contact the bank today on XX/XX/2017 as the investigation would be complete. We contacted the Executive Resolutions Specialist today. He informed me they have extended the investigation to the XX/XX/2017 which is the scheduled sale date of our home. He informed me he would contact me on XX/XX/XXXX and that he could not and would not stop the sale of our home. His name is XXXX XXXX at Wells Fargo Executive Resolution Center in Iowa. They are performing dual tracking, misrepresentation and fraud. We are begging for help in this matter.
i had a procedure done at XXXX XXXX in XXXX, tn. It was a referral from providence free medical clinic in XXXX. They asssured me I would not be billed. I forgot about it, now months later, I receive a message on my phone to call a # about an acct. #. I call and it is a collection agency from XXXX stating I owe {$180.00}. She stated that they sent me letters to an old address. I never received XXXX phone call from XXXX about this supposed bill. They just sent letters I never got and then sent it to collections without personally talking with me. This is fraud. XXXX medical payed this bill. I was not supposed to be charged. Yet, they did not even have the decency to call me about it and they had my phone #. This is wrong. These hospitals are sending bills to collection after no one responds to a letter, but they are not calling the person, to make sure the address is correct. If I had not had my phone # still operating, this would have went on my credit and it would have been months or years before I knew it. These people at XXXX are evil and they need to be held accountable for fraud. They need to have procedures that make them call an individual before sending to collections.
The collector is harrassing me over a debt that is not mine, although I did recieve services from XXXX they did not send the bill to my insurance company within the alloted time frame and now are after me for collections.I have had the same employer for 17 years and before this dispute my insurance had paid for their services 4 times prior to this.I have a name of the person at XXXX who did not file the claim right.I contacted my insurance carrier and they said that they were never billed for the services at quest diagnostics on this occasion.I have tried numerous times to explain to these people but they will not listen to me, I even went as far as getting a rep from XXXX XXXX XXXX XXXX talk to quest and informed them that the statue of limitations ran out on their bill so because of XXXX diagnostics mistake they have messed my credit up and have really cost me as far as loans go, is there legal action that I can take against the collector? XXXX
I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for att dating back to several years ago.
On XX/XX/XXXX I requested a copy of all 3 of my credit reports from XXXX XXXX XXXX. I reviewed my reports and Equifax did not have any inquires on my report. I recently have been trying to fix my reports and get a better understanding of them. I pulled my reports again each month after that and inquires reappeared on my account without Equifax contacting me. by law my legal rights and legal protections and that they failed to notify me in writing 5 days prior to re-adding the inquiries to your report that they were intending to do so. I Demanded that all of the inquiries be deleted for this reason and this reason alone be removed from my Equifax report. Today is XXXX and i have been disputing the same issue with them. I spoke spoke with the Rep and have is information is needed. I also have the CR that I pulled in XXXX and my current CR. thanks
I disputed this company with XXXX and Equifax. Neither credit bureau was properly investigating my complaint. I took for me to contact CFPB before XXXX finally removed this debt from my credit report. Equifax and XXXX is the only XXXX still have this on my credit report. Equifax and XXXX are not properly verifying this account. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

XXXX XXXX XXXX XXXX # XXXX unverified account