WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XX/XX/2017 MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Account # Unknown To Whom It May Concern : This complaint is being filed against your company you due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any  negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
XXXX XXXX is reporting the last 3 months late. Im actually enrolled in a consolidation program that is making monthly payments to XXXX XXXX so there is no way this account is behind. XXXX XXXX XXXX has a late mark for XX/XX/XXXX. Not only is this over three years old, but I have been in college for the last 5 years and finally graduate next year with my XXXX in XXXX XXXX XXXX. This is incorrect as I have not been required to pay my student loans while still in college. Capital One Bank, my Credit Card was stolden in XX/XX/XXXX and I was issured a new credit card. Somehow my credit card doubled in just late fees and became out of control. I tried to work with the company but they would not offer any financial assistance programs to lower my payments as I was willing and wanted to pay but just couldnt as it was made impossible by Capital one. I then set up Capital One in the XXXX XXXX XXXX XXXX as requested by Capital one we made a {$60.00} payment to be considered for this debt program so I could make lower monthly payments. However my XX/XX/XXXX bill reflects the {$60.00} payment, but was immediately turned over to a C/O when I already made arrangments to pay. I was not given any time to make this account right and have the hundreds of dollars in late fees removed so I could actually pay the credit card company the amount I charged. Now over half the bill is just charges, no actually charges were posted to this credit card after my replacement credit card in XX/XX/XXXX. 2nd Capital One Bank USA, This account is currently enrolled in XXXX XXXX XXXX and has been paid every month on time. There is no late payments as Capital One agreed to be enrolled in the debt program and get monthly payments like XXXX Credit card. XXXX XXXX account was closed in XX/XX/XXXX and charged off in a bankruptcy that is over 2 years old. This doesnt not need to negatively impact my credit score or have any negative comments as this  was not a neglected account. I was granted a bankruptcy by a judge which I paid for the bankruptcy so I wouldnt have late payments or a charge off reported. I tried to do the right thing with what I was able to do at the time. I just got this XXXX XXXX card and my exhusband got ahold of my credit cards and maxed it out. Once I was divorced I filled for thousands of dollards in debt do to my 4 month marriage to a XXXX XXXX that took advantage of my perfect credit. I 'm still paying for that short mistake to this day. XXXX XXXX XXXX-XXXX DOCKET #, there is no benefit to any for this to be displayed on my credit report. It state date paid was XX/XX/XXXX. Please remove this
I have sent equafax a request to investigate a few inquiries on my credit report multiple times. They do not seem to do a proper investigation. I have tried multiple times to resolve this issue but they keep sending me the same response back.
I have been negotiating this short sale for years, and it goes in a vicious circle of needing documents, submitting docs, extending the law day, repeat, repeat, repeat. I submitted a complaint in XXXX 2016, # XXXX, but the short sale still has not been approved. I work with all lenders, negotiating short sales, and this lender is hands-down the worst.
My name is XXXX XXXX XXXX date of birth XXXX/XXXX/XXXX and in XXXX/XXXX/XXXX I tried to contact JEFFCAPSYS because I 'm taking steps to fix my credit and unfortunately the phone num, ber on the credit report is disconnected that number is XXXX since I could n't get in touch with them I tried colling XXXX wich is the original creditor, but they were not able to help me they told me I have to contact JEFFCAPSYS when I told them their phone number is disconnected they gave me XXXX, but when I tried calling that number since XXXX/XXXX/XXXX it tells me to call back during regular business hours but I have called different times and dates since XXXX/XXXX/XXXX with no luck I always have the same answer ' to call during regular business hours "
National Credit Systems posted an erroneous charge to all 3 credit bureaus, I contacted them and the rep I spoke with had no desire to rectify the situation. I contacted the business ( XXXX XXXX ) to get this removed from creditor and credit bureaus and no-one has returned my calls. I received a refund of my security deposit and left my lease in good standing, no property damage and was never a problem resident of that property when I lived there. They are dragging my credit through the mud and not trying to find the truth, they are only concerned with STEALING money from a single mother and Veteran.
I am having difficulty getting old student loans removed from my credit report. Upon their request I submitted my credit reports from all three agencies showing the age of the accounts. This was done in XX/XX/2016. I received correspondence from their fraud department stating that the loans had been investigated and that they belonged to me. I never disputed the ownership of the loans. I just want these old paid off accounts removed from my credit report. I have since tried to reach them by phone and have been put on hold for 29 minutes at a time and even disconnected from the phone entirely. Please help!
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is
Have sent a copy of the police report and they have not removed from credit reports. A XXXX account was taken out fraudulently and we have provided proof to this effect. with the attached police report. I want it removed and a letter sent showing it has been removed
Loan Care did not pay my XXXX county taxes in a timely manner ( despite having the money in a timely manner ) resulting in additional tax charges. I contacted Loan Care about this issue and they did not respond. I have now had to pay the tax bill to avoid late fees and request reimbursement for this payment from Loan Care.
ACE CASH services have been threatening me to take me to court or for an arrest warrant for a loan I never took out. They send emails and call me constantly and try to get me to pay a debt thats not even mine. Very unprofessional and rude
Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ).

Transunion and XXXX has failed to validate debts ... the accounts were indeed settled with original creditors ...

Transunion Accounts XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX Credit Protection OpenedXX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX XXXX   Accounts Credit Protection Opened XX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX
I check my credit report and it shows that I have a car loan, and that I have also a home, I am just XXXX years old. I need to report this issue in addition i want to buy a home and I will not be able to buy a car. 
In addition, I am unable to get my credit report
I am a Bank of America ( BoA ) client for almost four years, who is being penalized for the mistake made by the bank. On Thursday, XX/XX/XXXX two transactions that amounted to a total of {$1800.00} was falsely withdrawn from my checking account at two different Bank of America centers in New Jersey. One was for the amount of {$1500.00} withdrawn from the banking center in XXXX, New Jersey and another was for the amount of {$300.00} withdrawn from the banking center in XXXX XXXX XXXX, New Jersey. The withdrawal of these transactions left me with only {$4.00} in my account that day. Almost everything was taken out of my account. Prior to all my money taking out in my checking account on the XX/XX/XXXX, there was a breach on my checking account on Saturday, XX/XX/XXXX. Someone was using my debit card to make a transaction. Bank of America sent me an alert and email to call them to verify my account which I did.A representative from the bank asked me if I made a purchase of {$5.00} ( not entirely sure the amount but i know it was around {$5.00} ) that day. I informed her that I never made that transaction. She later  reversed the transaction and affirmed that since I did not authorize that transaction, she would have to close my debit card for my checking account and reissue me a new card. While waiting for my new card which takes 5-7 business days, I got an email on the XX/XX/XXXX stating that my balance was below {$25.00}. I quickly checked my account only to realize that my money was redrawn with the same debit card I was told will be closed on the XX/XX/XXXX. Since the occurrence of this incident, I have cooperated with Bank of America by immediately filing a claim with the banks check fraud department as well as filing a police report. In addition, my wallet was not stolen and I had my debit card with me. One of Bank of America 's representative who works at the banking center at XXXX XXXX, New York, even helped me fax the police report to the claims department on Friday, XX/XX/XXXX. However, on Tuesday, XX/XX/XXXX, BoA denied my claim, stating that my ATM/Debit Card and Pin were used in the transaction. I did not authorize those transactions. I do n't even know how the people who did this to me got my pin number. This has been a stressful situation and I will never wish this on anyone. And, as an indigent XXXX living in New York, where the cost of living is very high, not returning my funds has made it very difficult to meet my basic and educational needs. All I need is my money back. I worked really hard for that money.
I contacted Sallie Mae customer service via chat about different payment plans. They told me forebearance was the only option. I asked for additional information and they said they do not offer any other adjustments to payment plans at this time. I told them of my co-signer and I 's financial difficulty and they said forebearance was the only option.
Description of issue : We were clear to close on the buyers side since XX/XX/2016. The loan office and the seller have been going back and forth for XXXX weeks since then trying to get all the well documentation in order. We have been impacted by this financially in having XXXX addition weeks of temporary housing cost and we lost our rate lock as of XX/XX/<YYYY> They refused to extend the rate lock and now the new rate is an increase of approximately {$92.00} a month. The delay due to poor communication on the lender side and seller has cost me significantly and I would like to know what rights I have in this. They had all closing documentation XXXX hours prior to our rate lock expiration but could not make closing by the deadline.
I figured out what has happened with one part of the alleged fraud on my American Express Account. Iemailed and faxed the information to Amex, but Icannot upload the supporting information becausethey closed the inquiry just days after I made thecomplaint. They also closed down my account aday before payment was made in full because of mydispute and out of retaliation, and now I cannotupload the evidence I found to the dispute center, and it will not allow me to re-open this additional. 
dispute, which is actually XXXX disputes. The lettersand information I am attaching proves what I amalleging as to how this part of the fraud more thanlikely occurred, but Amex refuses to listen to me orinvestigate and retaliated by closing an accountpaid in full.
I have tried to dispute this debt with this company for the last 5 months. This company has failed to send me any validation letter, they refused to send me a 30 day letter. they refused to dispute this account even when I disputed with the credit reporting agency. They have this account listed under my credit report under Syndicated Office Systems & XXXX XXXX. They are rude. When I disputed in writing with them, then they started sending me letters that I owed the bill. I have called them in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to dispute the bill, at all times they will tell me oh sorry I see suppose to be dispute do n't know why not in the dispute department, they refused at first tell me who the medical company was. I have been going back and forth with this. They will tell me oh you need to call XXXX and today they told me call another number in their company. Im frustrated they keep bringing down my credit score and reporting it each month like I have taken out credit with them. Something needs to be done I feel they have violated my federal rights and something needs to be done.
My mortgage account was forcibly placed under " lender placed insurance '' for insurance laps. I was only aware of it when in XX/XX/XXXX, I called to pay for my monthly mortgage at {$280.00}. I was then told that the new amount I need to pay was {$600.00}. I was shocked and in disbelief on how a mortgage company can increase one 's monthly payment ( threefold ) without any notice. I disputed the new amount which is almost the triple amount of the initial monthly payment. In addition, I contacted my insurance company and provided a policy on the property, yet Nationstar would not consider making the necessary adjustments for a lower payments. I believe this practice is predatory and Natrionstar has not been transparent, communicative willing to work with me.
XXXX XXXX, XXXX Santander and XXXX financial have been harassing me about a vehicle I no longer have. This vehicle was stolen and was paid off by my insurance company in XXXX and they are still harassing me for {$4500.00} which Im not paying because I dont owe this debt I no longer have the vehicle ... they are repeatedly reporting this to credit bureaus monthly. Im not paying or liable for something that was stolen from me and paid for by the insurance company.
I am having significant issues with the seven year fraud alert the credit agencies are to use once you have been a victim of identity theft and filed charges. After the alret was placed on my SSN - The same person used it again ( after the alert was placed on the account ) to apply for a job. The credit agency - EXPERIAN - shared my personal information with XXXX ( background check ) - who then sent a copy of my information to XXXX XXXX XXXX ( job applied for ) and the applicant. The alert did nothing to prevent this from happening or protecting my confidential information. When I called and spoke to XXXX XXXX and Experian its like kindergarten - no one did it. Experian not only provided this company with information but the theft used his own name and they sent the information to XXXX with AKA ( my name ) - like we are the same person! After I had gone through all the phone calls, getting the security alret on my ssn, police reports, court appearance etc.. and they still did nothing to protect my information. They actually helped him do it by stating AKA ( my name - and im a female! ) As a victim of identity you should not be treated like an criminal or an idiot and thats exactly what Experian ( especially ) has done. I called Experian and spoke to several people - passed from person to person and no one had an answer - they also lack good customer service.
I need to refinance my home to cash out and pay some loans. I was asked to do an appraisal which I did and was told everything shout be fine. this started in XX/XX/2017. I provided them with all the documented required for refinancing. the appraiser came to my home but did a drive-by. today they lady called me and said that they won't go forward with the refinance and didn't explain to me why i very disappointed in navy. with the way, I was dealt with my case
I AM TRYING TO COLLECT EXTRA MONIES COLLECTED DURING ESCROW FOR THE PAYMENT OF FLOOD INSURANCE. I PAID A COMPLETE YEAR OF INSURANCE BEFORE ESCROW CLOSED. I AM PAYING A MONTHLY CHARGE FOR THE NEXT YEARS INSURANCE WITH THE PRINCIPAL PAYMENT. THERE WAS AN ADDITIONAL {$1000.00} COLLECTED IN ESCROW TO PAY FOR 2 MONTHS WORTH OF INSURANCE UNTIL MY MONTHLY PAYMENTS ACTUALLY STARTED. THE REMAINING BALANCE IS {$610.00} THERE IS NO REASON TO KEEP THIS AMOUNT. I HAVE RECEIVED 3 LETTERS STATING THEY ARE RESEARCHING. 
TO DATE -- NO RESPONSE.
Seterus is a lying company and they lie that they reply I would like from them to see this ; 1.Seterus must  provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in 2016 that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. XXXX. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Seterus to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XXXX XXXX, 2016. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Seterus is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question Seterus must reply not lie that they responded
On the evening of XXXX XXXX, I attempted to use MoneyGram to transfer {$50.00} to a relative in upstate New York. After filling in all the required information ( including my credit card # ), I received an e-mail saying " We were unable to process your transaction online. '' I called the customer service number and was told that " security '' had halted the transaction. No further information was available. I was directed to go to a physical location to complete my transfer, which I did this morning. 
The physical location was a phone at a local CVS store. After entering my information, I was switched to a live operator who confirmed that the fee was {$5.00}, but that the ultimate fee could be higher. I asked how that could be and she gave the example that if I decided to wait another day to complete the transaction, the fee could be higher. I said I wanted to complete the transaction now ; would the fee be {$5.00}? She replied that the fee should be {$5.00}, but that they were required to read the disclaimer. I told her that I was willing to proceed, but that if the fee ended up being more than the {$5.00} initially indicated, that I would file a complaint with CFPB. 
A store clerk was needed to complete the transaction, and when XXXX was available, he told me that MoneyGram had n't sent the information to his computer. The MoneyGram operator did n't want to speak with the store clerk, insisting that he should know how to use the system. When I finally handed to phone over to him, the MoneyGram operator had hung up. I was unable to complete the transfer. 
As a final cap to this story, the CVS clerk told me, " They always charge {$10.00}. " I believe that MoneyGram 's practices are deceptive and that their fee disclosure is inadequate. I ask the CFPB to look into what, if it is not consumer fraud, is very close to it.
Have a credit inquiry from XXXX/XXXX XX/XX/17 Clothing. This company is supposedly XXXX XXXX. I have had no reason or will ever have a reason to request credit from this company. I contacted the ( XXXX ) XXXX. spoke with a representative says that they could not help me and said inquires cant be removed.