WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 XXXX XXXX I am sending this letter in regards to the time frame of 1 year that I have sent several certified written requests by mail and realized their were no responses, so I decided to contact you through this portal to make sure this message is recorded and by witnessed by The CFPB, FTC, Georgia Clerk Of Courts. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed immediately and permanently within 24 hours. I am disputing the erroneous information as an internal dispute/affidavit your company is falsely acccusing me of. I dont know what affect it could be because I was once an identity victim also I have been affected by several breaches with XXXX, online over the internet as well. 
You have placed erroneous information on my credit file that includes a debt that Im unaware of A : 1.  XXXX XXXX XXXX XXXX 2. XXXX XXXX. B : ERRONEOUS INQUIRIES - 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX. To my knowledge your are violating me and my rights trying to collect a debt you claiming I owe and that I am unaware of. It is impossible to collect a debt that you didnt verify 100 by taking the correct steps for verification along with providing me an original contract with my signature on it. By law you are required to remove the debt permanently and immediately. I am demanding that this debt is removed within 48 hours of this receipt. This is the final attempt to contact you.
On Monday XX/XX/XXXX, a bank hold in the amount of {$910.00} was placed on three accounts with XXXX XXXX. I had been making monthly payments to the collection agency for the unpaid outstanding debt. 

These accounts belong to my minor child. I contacted the Collection Agency and they advised me that I needed to submit proof of ownership of her account. They assured me they would review my case and because of their assurance, I did not file a notice of contest with my court system asking for protection for my daughters funds. 

On XX/XX/XXXX/2018 I emailed to them proof that she was a minor child and that the accounts were hers. I also submitted to them pay stubs with her name on them showing the deposits into these 3 accounts were from her part-time employment.

On XX/XX/XXXX/18 they requested additional information including a copy of my bank statements and additional pay statements.

On XX/XX/XXXX/2018 they called me to inform me that they were not returning the funds to my minor child. They would not provide a clear and reasonable explanation why.
On XX/XX/XXXX, at around XXXX XXXX, a former boss sent me a XXXX message and after the usual hello etc, she asked me if I could help her send money to a friend in the XXXX and she'll pay me back through my checking account, that night once, they are done having dinner.. Trusting her and after sending her picture with her grand daughter, I sent the money for {$800.00} plus fee of {$7.00} under Trans # XXXX. After that, I got a text again requesting for an additional amount of {$800.00} and I said, I have to wait for the payment before I send another one. Then I saw a regular text message above my cellphone warning me that the account of my friend, XXXX XXXX, has been hacked and not to send money. But it was too, late, it has been picked up by XXXX XXXX. I called XOOM, where I remitted the money and was advised to make an affidavit. The next day, I was informed that it has been denied because I was the one who did the transaction. I told them it was an honest mistake not knowing that my XXXX  account and that of my friend in XXXX XXXX has been hacked that day. I sent two appeal and was denied again. That same Day, XX/XX/XXXX or early XXXX XXXX, I got a call from a close friend from XXXX XXXX, XXXX, XXXX, and my friend, XXXX XXXX, sent me money because according to him, I texted him through XXXX, requesting for {$1000.00} which I did not. He sent the money through XXXX, but after 3 days, he was refunded by XXXX. The hackers tried other friends of mine, but was not successful, enough. That night, I closed my Checking account and also my credit cards because they even tried to change my profile in my XXXX XXXX Account, and they tried remitting {$900.00} from my credit card. but I was able to call XXXX XXXX to close my credit card. I wrote a letter to the CEO of Xoom in XXXX XXXX, and also XXXX CEO, and COO, but up to now, XX/XX/XXXX, I have not received any reply from them, requesting for a refund for that small amount.I have been a customer of Xoom for almost 8 or 9 years and this is the first time I encountered this impostor through my XXXX Messenger Account. XXXX should also be held liable on this because they are not protecting their members. I hope your office could help me get the refund for my money and also for my sleepless nights after and mental anguish I suffered because of that incident. Thanks you so much.
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018, I sent Equifax several letters requesting that send me the results of an investigation, they completed involving inaccurate on my credit file. One response they sent back stated that the " Public Record was not reporting ''. The unauthorized inquires they stated they were " accurate '' and if I believed them not to be then I needed to contact the creditor. 1. I never received the information on how they verified as requested. Then I noticed that the public record was re-added to my file without notification. This is a clear violation of the FCRA and a blatant disregard for the law. I would like my file to updated and negative items be removed within 15 days.
Equifax use my identity and share my information with another person and there is XXXX  unauthorize hard inquiries on my credit report.My credit scores is around XXXX.

Also XXXX and XXXX has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XX/XX/XXXX it was discharged on XX/XX/XXXX by Federal Judge.
In  XXXX  we started the loan procees with empire financial. The agent was   XXXX   XXXX  . After a month, my husband an i found   XXXX   to be unresponsive, present false information and used harassment to try to gain documents from us. We found another lender and authorized a switch.  XXXX  then proceeded to call my work, cell and email me repeatedly. He then proceeded to harass my realtor and threaten her. He said he would hold the fha loan and keep it alive on his end. He would not release it to the new lender. For a month now my new lender has requested the fha case file 4 times.  Empire  refuses to release it and fha itself is trying to help. This is illegal. I also recieved a application release form from  XXXX  so they should not be holding this file.
on XXXX XXXX i paid entire balance on my capital one card and requested to close my account they are not closing my account and are charging me interest as of XXXX XXXX XXXX how do they charge interest on zero balance i called them they were not interested in cooperating with me can you please help me thanks
Back in XXXX XXXX I filed for bankruptcy. My home was in foreclosure status I owed over {$5500.00} in arrears I was dealing with a financial hardship at the time and XXXX XXXX XXXX was the bank I paid my mortgage payments too. After so many denied loan modification XXXX XXXX XXXX finally approved XXXX back in XXXX XXXX. What happen was the remaining arrears had been put to the end of the loan ( deferred ). I had paid {$1300.00} on the arrears during the bankruptcy. Specialized Loan Servicing brought the loan from XXXX XXXX XXXX back in XXXX XXXX. I started making payments to SLS in XXXX XXXX and at present I 've not missed XXXX payment. SLS not once ever sent me a monthly invoice but back in XXXX XXXX when my bankruptcy was discharged they have been aggressively sending me threatening foreclosure letters saying I am {$3600.00} in arrears. SLS said XXXX XXXX XXXX reported to them back when they brought the loan I had some missed payments, the months SLS told me I missed I sent proof that the payments had been made to XXXX. That did n't work then I sent them a copy of the loan modification from XXXX that did n't work. I know that SLS is trying to get the remaining arrears that was deffered because back in XXXX XXXX they sent a loan modification package to my bankruptcy attorney and the attorney sent the package to me.
They refuse to make an arrangement with me. 
They will not discuss other options to help me get this paid. 
They assume i can only pay XXXX a month when we have not went over a budget. 
They are very rude by telling me they cant help me and more than XXXX occasion hung up on me. 
XXXX told me several times she will not work with me and she will not take my payments. 
XXXX told me to send in my payments. 
They have bad communication skills. 
They treat me badly when I just want to pay my debt.
I sent a letter to XXXX XXXX and XXXX stating that the Wells Fargo credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which Wells Fargo is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.
After graduating from law school, my stepfather was helping me make my loan payments. I never missed a payment or requested my monthly payments be reduced. My stepfather unfortunately passed away unexpectedly XX/XX/2015, and all of our family 's assets were tied up in his estate. I was no longer able to pay my loan, which at the time was over $ XXXX/month. I applied for a forbearance based on financial hardship, and maintained my forbearance for six months. When I came out of forbearance, I requested an income-based repayment plan, which was granted, but brought my payment down to $ XXXX/month, which was also an extreme hardship for me. I was told this was the lowest possible rate. However, after only a couple of months later, Navient increased my payments by over {$400.00} per month. When I called to try and reduce these payments, I was heavily encouraged to apply for another forbearance. I was instructed that the payment rates had been bumped up by the Department of Education. I tried once again to apply for income-based repayment, and then Navient told me that they had to calculate my payments based on my combined GROSS income with my husband. Mind you, my husband also pays {$1000.00} a month to Navient for his own loans. That means they were calculating my payments based on combined, pre-tax, pre-Navient payment income. When I tried to point out how wrong this is, I was just told that was policy. Then, they told me that the {$400.00} bump ( now a $ XXXX/month payment ) was actually LOWER than the rate would be if I had elected IBR. This was the ABSOLUTE LOWEST they would go. Any time I requested a reduction, I was encouraged once again to apply for forbearance. Again, I have never defaulted. I have never missed a payment unless on official forbearance. I am an attorney with a good job, and I have not been able to save to buy a house with my husband or put anything away for retirement. Half of my income goes toward my loan payments, causing extreme financial hardship for my family.
Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX Equifax XXXX, GA XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX I have also included the following minimum two ( 2 ) proofs of my current mailing address Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX
Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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  XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Yes i have an account with XXXX credit card i pay my minimum payment each month but it all goes to fees and interest i never seem to get ahead in payments.i talked to them and they were not helpful.please help me in this matter.
XX/XX/XXXX, I filed a dispute on a 1 account through XXXX. The account is owned by a debt collector, who also owns another account with me. Both accounts paid off. I only have an issue with one of the account, which is a XXXX ( original creditor ). On XX/XX/XXXX, after speaking with XXXX, I contacted the debt collectors to set up a automatic payment to be schedule out of my personal bank account on XX/XX/XXXX. XX/XX/XXXX, the debt collectors received my dispute notice. XX/XX/XXXX, they took the money out of my account. I was told by the debt collector they do n't accept payments on disputed account, but because I set it up to be taken out before they received the dispute notice, they still took the money. although, they could 've canceled the automatic payment before XX/XX/XXXX. I was never told that they received the dispute notice, until the dispute was settle through XXXX ( original creditor ). I did n't have a problem with it, because I figured once the dispute was won in my favor they 'll refund the money back. on XX/XX/XXXX, I received a letter from XXXX ( original creditor ) stating " the investigation was completed, and the claim has been resolved in my favor. I contacted the debt collector to let them know, and they wanted proof. I faxed the letter after being told a number of different things to do from many different representatives. on XX/XX/2017, I finally get a letter regarding my dispute and it stated that the believe their information is correct according to the information received from XXXX ( original creditor ), and they 'll need a police report to further process my dispute. They never contacted XXXX ( original creditor ) for recent information regarding the dispute. long story short, they 're giving me an extremely difficult time with refunding my money and verifying XXXX ( original creditor ) information on the disputed being won in my favor. I been told lies, contradictions, and questioning me on why I paid a disputed account. There is so much more information that was wrongfully said by there representatives. I am currently waiting for all recorded conversations and information regarding myself.
XXXX XXXX has a program titled " XXXX XXXX XXXX '' that allows XXXX to purchase an XXXX that is financed through Citizens One bank. After 12 months you have the option to trade the phone in for a newer model. This program also includes XXXX protection. Citizens One requires a credit card and sets up for automatic loan payments. 
I purchased an XXXX through this program in XXXX, 2015 and decided to upgrade the phone. I have not missed a single payment to Citizens One nor have I made a late payment. However, Citizens One runs a credit check and declines to finance me. This effectively means that I ca n't take advantage of the benefits of this upgrade program. My credit status has not changed since Citizens One approved the original loan. I believe this an intentional maneuver on the part of Citizens One to increase their profits by forcing me to stay locked into the loan for this phone. This is a deceptive practice and should be investigated.
I have asked Equifax to update my file many times this year to remove the multiple names they have listed for me, just written differently. To remove all unauthorized hard inquires, and any collections they have. I also sent out a letter requesting this information on 10/10/17 and it is now 11/13/2017 and Equifax has not responded. According to the FDCPA a creditor has 30 days to respond or everything asked on the letter should be removed. 
I would like them to only have 2 names which one is my maiden name and the other is my name though marriage, there is no need to have 8 different names of the same name just written in different order. 
Please update my name to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX current and only address need to be showing XXXX XXXX XXXX XXXX XXXX NC XXXX
IN REGARDS TO EQUIFAX : XXXX. XXXX  XXXX XXXX GA XXXX I CAN'T CLEARLY UNDERSTAND HOW LONG THIS DATA BREACH COULD POSSIBLY BE GOING. THIS ADDRESS DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX DOES NOT BELONG TO ME AND I HAVE NEVER LIVED AT THIS LOCATION YET EQUIFAX REFUSES TO REMOVE IT WHEN I HAVE LIVED AT MY CURRENT ADDRESS SINCE XX/XX/2004 WHEN MY HOME WAS BUILT. 
EQUIFAX DATA REPORTING IS TRULY FRIVIOULOUS AND SOMETHING NEEDS TO BE DONE ABOUT THIS AGENCY AS THERE NEEDS TIGHTER GOVERNMENT RESTRICTIONS PLACED INTO ACTION ON THEM. I DON'T KNOW IF THIS ADDRESS IS LINKED TO A FRAUDULENT ACCOUNT THAT IS REPORTING ON MY REPORT BUT IT NEEDS TO BE REMOVED ASAP.
I initiated a short sale on XX/XX/2018, but was denied to process the short sale, which is an opportunity to avoid foreclosure that all banks give to homeowners. Foreclosures bring down the outlook of a city and state. I want Mr. Cooper Mortgage to cooperate with the short sale agent to complete the short sale.
I am still disputing a charge that was placed on my credit report with two different collection agencies for the same charge. XXXX and XXXX property management/investment group place an eviction from 2011 on my credit report. They placed it with XXXX XXXX XXXX, who reported it twice to my credit report and they also placed it with XXXX XXXX XXXX, who also placed it on my credit report twice. I 've finally been able to get each company to remove the duplicates that they originally placed, which still leaves me with one mark from each company for the same exact thing. I have tried going through the credit bureaus to get this fixed but they keep placing it in dispute without ever getting anything fixed. I reached out to the original creditor, XXXX and XXXX and after many phone calls and emails, I have still not been able to contact them. It 's bad enough that due to this I was hit 4 times on my credit for the same thing. I though it was illegal for this type of thing to go on. At this point I am very frustrated and I just want for these collections to be removed. They fall off my credit in XXXX anyway. At least delete one of the entries. No need in double the debt showing up on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Phone # XXXX Debt Collection Agency - Capital Accounts LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Phone # XXXX Original Credit Debtor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Phone # XXXX Billing- XXXX Capital Account called me Saturday XX/XX/XXXX. After confirming my identity they stated that I was in default with a debt and that I owed {$1800.00}. 
I replied that this was a not my debt and that there must be a mistake. They again confirmed my identity and stated no this information had been provided the original creditor and I was in fact in default and owed the money. I responded then this is identity fraud as I have never visited this doctor, I live in XXXX XXXX, XXXX, and I have health Insurance. 
He became very irate and belligerent. At this point I hung up as I thought it was a scam. 

On Friday XX/XX/XXXX I received a credit alert on my XXXX XXXX Account stating that there was a collection of {$1800.00} on XXXX  XXXX XXXX. My score dropped 30 points. I was shocked. 

On Saturday XX/XX/XXXX I received a phone call from Capital Accounts LLC confirming my identity and requesting payment of {$1800.00} for collection of debt. 
I explained to the individual again that I believe this is identity fraud as I have never visited this doctor, I live in XXXX XXXX, XXXX, and I have health Insurance and if I did I would have paid him. She stated that I would need to contact the creditor directly to resolve it. 

On Monday XX/XX/XXXX I contacted the Doctor 's office directly speaking with the billing department. She confirmed that the individual in question for the outstanding debt was not me. She confirmed my age, address, and social security number. 
She stated that the collection agency was in error and she would contact them directly. 
Which she did and called me back stating that the Capital Accounts LLC would be contacting me and retracting the negative collection on my report. 

On XX/XX/XXXX, I still had not heard from anyone. I contacted the Capital Accounts directly and immediately they attempted to state that I owed the debt of {$1800.00}. 
After a few minutes of the collectors rant I informed her of my discussion with the original creditor and that I was waiting their call to discuss when my negative collection would be removed from the Credit Bureaus. She rudely stated it could take anywhere from 30-90 days. 

To be treated so terribly was shocking. The collection agency was able within days to discredit my Score and Credit Report with all 3 credit bureaus with no evidence, physical proof or documentation. I have had to prove my innocence, but they don't have to prove my guilty? And now I could wait up to 90 days for this to be resolved. Will this actually be removed completely? 

You don't treat people like this ...
Perfection Collections is attempting to collect a debt on behalf of XXXX that is not owed. The relationship with XXXX was previously settled in the amount of {$1500.00} on XX/XX/XXXX. 
Perfection Collections has reported a debt to the credit bureau 's as of XX/XX/XXXX
I secured an auto loan with XXXX XXXX XXXX on XX/XX/2017 for a used car. I have been paying my auto loan on time for over a year and it has still not reported on my credit report. Per recommendation from the car dealership XXXX is required by law to report to the credit bureaus quarterly or I am not liable for the loan. I contacted XXXX and they stated that I would need to file a complaint through the credit bureau. Unfortunately, I am not able to file a complaint on something that doesn't exist on my report. Please assist with this. I have been trying to build my credit back up and I thought this was reporting. If I am not held liable for the loan I would like to see what is needed to do to get out of the loan.