WillisBack/dataset-financial-user-claim huggingface dataset:
A company claiming to be a law firm has contacted me about a debt they say I owe. I do not recall having a debt with them or any company them claim to represent. I have requested information from this company and I'm awaiting there response. Also, I have issued a cease and desist order against the company. 

A demand for a Certificate of Assessment, Cease & Desist, and a Debt Disclosure was send to ROOSEN VARCHETTI & OLIVIER XXXX Also, ROOSEN VARCHETTI & OLIVIER XXXX was sent a debt disclosure regarding the alleged accounts. The demand for documents were sent via certified mail # XXXX XXXX XXXX XXXX XXXX. 

ROOSEN VARCHETTI & OLIVIER XXXX is indicating that an account with the account number XXXX and / or XXXX is an account that belongs to me. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ROOSEN VARCHETTI & OLIVIER as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ ROOSEN VARCHETTI & OLIVIER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to ROOSEN VARCHETTI & OLIVIER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 
6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
I received a notification via a credit monitoring service that an account was placed into collections in my name on XXXX credit reporting system. The original creditor was listed as XXXX XXXX XXXX Hospital XXXX XXXX XXXX, and the collection agency was listed as Commonwealth Financial Systems , Inc . 

I called XXXX because the alleged debt would have been incurred six and a half years ago in XXXX 2009. I had already been advised by XXXX that my account was paid in full several years ago. When I spoke with XXXX they advised I did not owe anything and that they had not sent anything to a collections agency whether it be in the form of referral or by way of selling the debt. 

I called Commonwealth to discuss why they 're attempting to collect a debt which I had never received any communication, written or verbal, about the alleged debt. Commonwealth said they purchased the debt from XXXX XXXX, and that they " were not required '' to disclose to me the original creditor ( which is an inaccurate statement ). These phone calls were recorded, so this information can be validated. They also stated they had no information on the debt and refused to speak with the billing manager at XXXX, despite my authorizing her to speak as a third party concerning my account. 

I now have an account in collections on my credit report for which I was never invoiced, from nearly seven years ago. I am in the process of background and credit checks for a new job and I could lose this job opportunity as a result of this inaccurate information being reported to the credit bureaus.
In XX/XX/XXXX, I submitted the online form for my IDR repayment. I was told that I would need to submit a paper form this year. On XX/XX/XXXX I submitted all the required paperwork to continue on an IDR plan. On XX/XX/XXXX, I received notice that FedLoan required additional paperwork in the form of a XXXX form. I faxed the XXXX form on XX/XX/XXXX. I did not receive any additional notifications form FedLoan. On XX/XX/XXXX I received notification from FedLoan that my payment for XX/XX/XXXX would be {$900.00}. On the IDR plan, my payments have been {$260.00}. I have been dealing with FedLoan Servicing 's incompetence and illegal behavior for 4 years. Each time I deal with them I am told incorrect information, am lied to, and have money stolen from me. The attached files are only a fraction of the countless letters I have sent in to FedLoan Servicing and make no mention of the hours I have spent trying to correct their wrongs. I also lost hundreds of dollars when I was forced to pay off my XXXX Grant only to have it reinstated many months later and was not paid interest or the full amount that was paid to them.
Initiated wire transfer for {$16000.00} from Coinbase to XXXX XXXX on XX/XX/XXXX. Due to incorrect routing number, funds were never sent to XXXX. However, Coinbase showed wire status as " Complete '' and funds were subtracted from my account. 

Initiated support request with Coinbase on XX/XX/XXXX requesting XXXX number for wire transfer so I could confirm with Coinbase 's bank  ( XXXX XXXX XXXX XXXX XXXX ) that they were indeed in possession of the funds, and get confirmation that the wire had not gone through. Coinbase support Case ID XXXX Coinbase replies on XX/XX/XXXX indicating that they are " working with a specialist to address [ the issue ] properly. '' As of XX/XX/XXXX, no further contact from Coinbase on the status of the funds.
I have no knowledge of this account and it does not belong to me. This is a XXXX report on my credit report.
I have disputed this negative entry on my transunion credit report twice. It does not belong to me. I am pretty sure it belonged to my father whose name was also XXXX XXXX. He is deceased so I ca n't verify with him. XXXX removed it because they verified it was n't valid, however Transunion will not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- XXXX XXXX XXXX {$730.00} High Balance {$730.00} Remarks Account information disputed by consumer, meets FCRA requirements
This company Seventh Avenue had charged me {$20.00} for a shipping charge. I had placed an order with the company in XXXX. I ordered XXXX pair of curtains. Remind you that I had to pay for the shipping and handling before they would send the merchandise to my address. I received the merchandise and did not like the them at all. I let the company know that I was unsatisfied with the merchandise and wanted to return them back to the company. They wanted me to print out a returned shipping label and send it back and I did. Later they sent me a notice to pay them a shipping fee charge. I did n't understand why because I felt like it was unfair. I paid to get it shipped out and they let me print out a no charge shipping label to return it back to the company, which I thought was fair. I did n't get anything else for them. Now they have this shipping charge fee on my credit report as negative, charged off {$20.00} written off {$20.00}, past due as of XX/XX/XXXX. This is not right at all. I had written to this company about I am disputing this item and wanted them to prove it by validating this account with documentation bearing my signature. They responded by saying I had nothing to dispute. After 30 days, they never put the disputed by consumer onto my credit report. They broke the law. I want this entry deleted. I had written a letter to them about settling this account in exchange to delete the negative remarks from my files. They never responded back. I had also written letters to XXXX XXXX, XXXX and XXXX to investigate the entry on my credit report and they responded by saying the company validated the account was mine. They also never put the disputed by consumer on my report either. They did not verify the company properly because I wanted copies from the company bearing my signature associate with the account that I owe the money to them. Seventh Avenue have completely avoided me and my letters and they have broken the FCRA law. I wanted to pay the {$20.00} in exchange for them to remove the negative remarks, now I am willing to go to small claim court against the company. I will be seeking {$5000.00} in damages for 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA. Very serious and willing to make that move if this entry is not deleted.
I am writing to file a complaint in regards to the loan modification process with bank of America. I applied for a modification in XXXX of 2015, submitted requested documents, never received a response XXXX way or the other. I called and submitted another request and was verbally told that the initial request had been denied because of erroneous information. I immediately made another request, submitted almost XXXX pages of documentation and now the bank is asking for a quit claim deed to proceed. I do n't understand why a quit claim deed is needed when it holds no weight and I have told the lender that I have no idea how to contact my ex husband, we have a divorce decree in which I provided to the lender that shows that the Petitioner which is myself was keeping the marital home. A quit claim deed does nothing, plus in the mortgage instrument it says you are not supposed to transfer title that 's grounds for foreclosure. I am months behibd and trying to resolve this issue, I do not understand why the lender needs a quit claim deed, even if I got one drawn up from an attorney, I have no contact information for my es husband so that would be a waste of money and time. I also have a problem with how long the lender is taking to render a decision. All of this time, the foreclosure action is still active, seems like if you are working with the lender on a modification, the foreclosure clock should stop until a decision has been rendered. I understand that a modification is not guaranteed, however during conversations every two to three weeks with the customer relations Manager, it sounds as if I qualify and meet the criteria and all that 's needed is this quit claim deed that holds no weight. My home is in foreclosure due to the lender sending multiple fed ex packages to the property address after I notified them that the property was a rental property and that I resided out of state, they knew this yet they sent so many XXXX envelopes to the property, it scared the tenant and she stopped paying rent, which caused me to fall further behind. I ended up filing a Chapter XXXX to hopefully to remedy the arrears, tenant stopped paying so I could n't keep up the Chapter XXXX payments and the mortgage, I informed the lender every step of the way about all of this, I had to take the tenant to eviction court, it took six months to get her out, I acquired a new paying tenant so I 'm asking the lender to attach the arrears to the principal balance, extend the loan term to 30 years and/or increase the interest rate. I do n't want to refile Chapter XXXX in this matter when I know there 's a better way with a modification.
To : Whom It May Concern My name is XXXX XXXX. My recent case number is XXXX, which has been closed. I will like to re-open this case based on new evidence that will help prove my case. I have evidence that the company ( XXXX XXXX ) that may an unlawful withdraw from my checking account is a scam company and I am not the first victim and I wo n't be the last until they are stop. This company is not affiliated with the Better Business Bureau and there has been many complaints to the Better Business Bureau concerning XXXX XXXX. Just as I mentioned before, this company will not answer any more of your phone calls once you find out that they are a scam company and you want to cancel with them. I have more information about this scam company as it relates to other people and the Better Business Bureau.  I saved the link about this company. The information is very informative. This link is included in this complaint. 

Thanks, Yours Truly, XXXX XXXX XXXX XXXXXXXXXXXX
In XX/XX/2016 my XXXX accounts were compromised. At that time I was using my XXXX checking account to pay bills online. XXXX of these was my XXXX account. While the XXXX account was frozen, the XXXX payment I had made was denied, but I did n't know that until receiving my next XXXX statement with a late charge. I called XXXX to explain, they mistakingly understood my XXXX account had been compromised and closed that account and issued a new credit card. The balance was transferred to the new account. I reissued the payment, but XXXX did not remove the late fee. I called again and they confirmed they received my payment and agreed to remove the late fee since the situation causing the late charges were not in my control. However the next statement showed a credit of the previous late fee, but there was a new late fee on the earlier late fee, and the battle continued and explaining continued. Each month they credited the previous late fees, but did so after the closing date so new late fees were incurred. My daughter got involved and after numerous calls, endless explanations, and dealing with an extremely rude XXXX customer service rep, she was able to convince XXXX that the original, very small balance, had been paid in good faith and the late charges were in error. All fees were reversed and the account was brought to XXXX balance. There should be no negative credit reporting from XXXX on this account. It has caused my credit score to drop over XXXX points in the last few months and I was just denied a XXXX XXXX credit card because of this. As you can see I have very good credit scores on my other accounts. Please rectify the XXXX erroneous 30 day late entries on the XXXX report. Thank you.
XXXX, XXXX has recently provided information to an apartment management company I applied for, that I believe to be inaccurate. I recently applied for an apartment at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and was to sign a lease as soon as my background and credit came back fine. On XXXX XXXX, 2016 I was informed that my application was denied due to credit history, specifically collections actions by XXXX being unsatisfactory with an outstanding balance on an account ending in XXXX. I have contacted XXXX XXXX XXXX and verified I have no outstanding balances and every account I had with them was closed with a XXXX balance. Furthermore, I never had an account ending in XXXX. I do not have any collection issues with XXXX XXXX XXXX that would cause me to be denied. I called XXXX to ask for additional information and I was told to fill out a Consumer request to dispute the information given to the apartment complex which I e-mailed on XXXX XXXX, 2016 ( Reference : Case # XXXX ). They told me at XXXX that they do n't know how long it will take for the reinvestigation. I read online from other consumers complaining that it took nearly 30 days or more for them to get a response from XXXX which is not right because it took them less than XXXX minutes to get my report and provide wrong information to the apartment complex leasing office and it will take more than 30 days which is unacceptable. In this case I will lose the available apartment which has a XXXX year waiting list.
Citibank is charging a late fee on top of a late fee on a closed account I paid the first late fee and they refused to remove the secondlate fee even though they can, so I can move on
On XXXX/XXXX/XXXX, I went to a doctor through an appointment XXXX. The doctor told me he was going to put on XXXX only and I asked since it was basically a hard XXXX covering if I could do it myself if it was going to be costly. The doctor said not to worry about the cost, that the insurance company would pay for it. I confirmed this again with the doctor that I could n't afford a costly covering for my fingertip. I was told again by the doctor not to worry about the cost but to make my {$35.00} copay and insurance would handle the rest -- stating also not to pay for any difference that may be billed. I then received a bill from the doctor 's office for {$530.00} of which my insurance paid {$160.00} stating that I owed the remaining {$370.00}. I repeatedly called ( XXXX has documentation that I called numerous times in regards to the charge in an attempt to resolve. They claimed that the doctor would return my phone calls, which i never received a call hence the repeated calls by me ). After not receiving a call from the doctor, I concluded that this issue was resolved as there were no additional billings received until receiving a collection letter that was dated XXXX/XXXX/XXXX from Merchants Credit Guide Co.
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made along with errors. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX and I am the sole creator and owner of the monetary instrument Promissory Note for the account and property noted to CITIMORTGAGE , INC . Via Certified Mail XXXX I requested that CITIMORTGAGE, INC. returns my property to me and they refused to do so. 
I sent this request on XXXX/XXXX/2016 and have yet to hear anything back. The Promissory Note belongs to me and at no time was this monetary instrument ever the property of CITIMORTGAGE , INC .
I continually receive calls attempting to collect a debt from my husband 's ex-wife. I have repeatedly told them that they are contacting the wrong person, and they still call. I am unsure how my number got associated with her because I have had this number for twelve years, and I 've only been married for four.
I got a message from someone claiming to be a process server. He told me that he has papers in my name and social security number to serve me and that he would be serving me papers at my home or place of employment. He left a toll free number to call back with a case number to reference. I call back and they say they are mediators calling on behalf of XXXX XXXX for a debt that is at least ten years old. A man named XXXX XXXX says say that if I arrange payment that day XXXX XXXX would no longer sue me. They say they are a company called alternative dispute resolution and offer mediation services. They say that if I don't pay on the phone I will be served papers and have to appear in court and will owe 4 times the amount if they take it to court. He told me that XXXX XXXX wins 97 % of cases. He scares me into making a payment plan which I immediately cancelled after I got legal advice. They sent me an email afterwards and the email was not from the mediation company they claimed to be from. It turned out to be from GL Capital Management Company. Never once did they say this was an attempt to collect the debt or send me notifications. He also bullied me by telling me the statute of limitations was not over because they sent me a letter in 2015 ( which I never acknowledged ). He harassed me and threatened to call my employment.
I consolidated my XXXX XXXX University loans and XXXX XXXX with National Credit Management. At the time they are claiming that my student loan accounts were not past due based on the credit report they obtained prior to helping me consolidate through XXXX XXXX XXXX on XX/XX/XXXX ; this was not the case. I spoke with XXXX XXXX who helped me with my application to consolidate with XXXX XXXX XXXX. XXXX also failed to tell me that my XXXX XXXX account was past due prior to helping me consolidate these loans. 

On XX/XX/XXXX, National Credit Management reported my account as Collections and Delinquent with all three credit reporting bureaus - two months after they assisted me with completing the loan consolidation, which had been completed. 

I have contacted National Credit Management. I have also disputed these accounts with all three credit reporting bureaus, National Credit Management, and a private attorney.
On XX/XX/2012 I was on vacation at XXXX. At the Hotel, I had an allergic reaction which I had to go to XXXX. at XXXX FL. I have a XXXX so I paid all deductables in full with no pending charges. I noticed on my Credit Report that I have XXXX Accounts in Collection and a Collection Agency named Avante apparently is trying to collect a {$180.00} which they claimed that I owed. Appreciate your help on this matter.
On XX/XX/XXXX I submitted a complaint stating my credit reports were in accurate. 
XXXX XXXX had reported a first major delinquency on XX/XX/XXXX on my home mortgage to all four credit bureaus. XXXX XXXX investigated and said there was no delinquency reported. I received a copy of all four credit bureau investigations. Three of them had the errors corrected. Equifax did not. Equifax is still reporting a first major delinquency on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX explaining that Equifax stills shoes the first major delinquency on XX/XX/XXXX. XXXX XXXX again said they never reported it delinquent. Equifax says it can not change it because XXXX XXXX denies reporting the major delinquency. I have attached the Equifax Credit Report that was sent to me. The error I am disputing ins on the bottom of page 12.
Used Wells Fargo Cash Wise Visa Card 's " Cellular Telephone Protection '' benefit. Contacted customer service representative & began claims process on XXXX XXXX XXXX ( claim number : XXXX ). After submitting all necessary information, my claim was under review. On XXXX XXXX XXXX my claim was denied due to certain types of damage not covered ( I had issues with my cell phone 's microphone not working ). 

I contacted customer service and they told me it was due to electrical/mechanical issues of cell phones are not covered under this benefit. However, on their Cell Phone Protection Guide to Benefits ( located here : https :  //www08.wellsfargomedia.comXXXX ) there is no clause that states that. The agreement I have with this benefit should cover the reimbursement of my charges, but customer service repeatedly denied my claim.