WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 I sent a certified letter to Experian and XXXX   asking for the information used to Validate the following debuts : XXXX XXXX XXXX. In addition to the XXXX XXXX XXXX I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).
I was not told by XXXX XXXX XXXX that my loan went to cArrington mortgage service on XX/XX/2016. When I called to pay today XX/XX/2016 they told me. I called cArrington to make a payment and told me they are not willing to accept anything but the full amount I was behind. I am behind 4 months which has been going on for the last year since I was unemployed. I have been paying XXXX XXXX XXXX each month my payment plus an extra XXXX to catch up. They refuse to accept XXXX payment today when my regular payment is XXXX. Will only accept XXXX the amount due and refuse to work with me. They want me to go even further behind. I am trying to catch up and have been making payments every month for the last year. I need help
I recently found out an unpaid {$450.00} from " United Consumers '' on my credit report. It turned out was an unpaid medical bill from a car accident of my niece. I have paid the bill right after I found it out the same day last week. And claimed the money from car insurance company. 

My question is this was billed since last year but I had never received any document/request from neither the hospital nor the collection company. Otherwise it was taken care of long time ago. So the debt was sitting there all these time and hurt my credit. I want the collection company to fix my credit ASAP because I am working on a finance my house right now. And I am having hardship to get my loan. 

Background : I had a car accident on XXXX/XXXX/2015 and my niece ( XXXX, XXXX, XXXX year-old ) was a passenger on my car. She got an XXXX at that time. I actually provided my address, phone number and SSN to the hospital at that time for her hospitalization. After the accident, I let my insurance company taking care everything related. 

When I called " United Consumers '', they have all my information correctly in there record. But I do n't understand, why they have never contact me for the collection by any means all these time, neither from the hospital.
CitiMortgage has transferred my mortgage servicing but has failed to provide sufficient notice as to what company will be servicing my mortgage. CitiMortgage has also been talking to someone claiming to be me who is not me.
They continue to call this number for someone we have told them many times is not at this number and we do not have a number for that unknown person.
The XXXX ( XXXX ) attached accounts with XXXX were fraudulently opened in XXXX, which was a Business Card, and XX/XX/XXXX respectively. Both accounts had been previously reported as Identity Theft and BLOCKED by Experian. Subsequently, after a significantly protracted time frame they were incredulously reinstated without any explanation whatsoever and now have surpassed the Statute of Limitations of seven years. Your assistance in having Experian reinstate the BLOCKS on these legacy Identity Theft accounts from XXXX would be greatly appreciated.
I previously opened up an American Express prepaid card. I had an unused credit balance. Amex decided to charge a monthly fee or I could avoid the fee and close the account. As the account was very old, the address was incorrect. I attempted to update the address and close the account but Amex refused to allow me to do so. Amex told me I had to send them a copy of my id and a bank statement to update the address, which I refuse to do. Or I could leave the account open and my balance would be reduced by their monthly fee until it was diminished. 

This is outright theft of my money, regardless of how small the balance is. I will never never never never ever give Amex my bank statement to a non Amex bank account. Amex chose to change the terms, I chose to close the account, they are refusing to allow me to do so and the CFPB just sits by while they do it .... 

To Amex 's financial gain. This system allows Amex to hold on to client account balances, refuse to close them, and then take the balances XXXX fee at a time until the money is all theirs. All that have to do is put onerous or burdensome or invasive account verification strong-arm tactics in place and then people wo n't get their balances and then Amex fees will obliterate client balances until they are gone. Really, nothing short of a CFPB sponsored swindle ... 

Once again ... CFPB = XXXX CONSUMER PROTECTION. Quote me on that ...
Company failed to provide date, time, and location of sale of repossessed vehicle as required by law.
I called Wells Fargo over a year ago (XX/XX/XXXX) and asked them for a Loan Modification.  I also mentioned to Judge XXXX XXXX XXXX (approx. XX/XX/XXXX) that Wells Fargo refused to help me.  I explained to them, that I was dealing with a financial hardship.  I became retired XX/XX/XXXX.  I was scheduled to appear in court XX/XX/XXXX, which was on a monday.  Court was closed that monday in observance of XX/XX/XXXX, which was on Friday XX/XX/XXXX.  I physically called the courts, and checked on the internet to make sure I would not miss a court date.  On XX/XX/XXXX  (4 days later), I received a NOTICE OF ENTRY AND JUDGMENT OF FORECLOSURE.  It states if I don't pay $XXXX by XX/XX/XXXX,  my home will be sold.
I wrote a complaint regarding Wells Fargo bank approximately 12 hours ago. I received a response from the same person that frustrated me originally, thereby, accomplishing nothing.
Summit receivables keep calling threading to take legal action against me for a debt i have know clue about. I have asked them for them to send me the letter of the debt, and never received anything. Now they are continuously calling from different numbers, threatening to take league action, very rude, and asking for my information birthday, last XXXX of social i told them I do n't give out my personal information to anyone i do not know. So now they have become more threatening and will not stop calling me.
I paid off all my credit cards and car loan and my credit score still has all full balances and has not updated since XX/XX/XXXX. This is keeping me from qualifying for a home loan. Can someone please help me on getting my credit updated?!
XXXX total dud false advertsing on their page XXXX XXXX XXXX as just visa deceptive practice have them remove it from their company site
Certegy is reporting on my credit report that I have an outstanding balance in their office for {$1400.00}, from XXXX. I have now called their office several times to inquire about the debt they are reporting. They tell me that I do not have a debt in their office. Nevertheless, they are not taking the account off of my credit report, even though I have disputed it multiple times.
I have sent several paper work and letters to XXXX  stating the information they have on file is fraud and I have disputed with XXXX and XXXX  and which those 2 companies removed that information from my credit report now its XXXX who has stated its been verified and I have ask for verification about this account and they have refuse to provide me information no letter no response only its been verified to of my knowledge I have a right to request documentation and as usually they refuse to give my that.
My Name is XXXX XXXX XXXX I write a check from my 401k account in the amount of {$50000.00} and deposit the money into XXXX XXXX XXXX XXXX XXXX Account and the check took 4 - 6 business days before it clear and the money was deducted from my 401k account. So XXXX XXXX XXXX transfer the funds to her Suntrust bank account and to my surprise $ XXXX with her SSI and health benefits and her Child support been held in her account from XX/XX/2017, and till now am filling this complain the money is yet to be released and under banking law fraud investigation only take 14 business days. Please come to my rescue and the poor woman so SunTrust can release the funds. 
Case number XXXX
I have reviewed experian reply as to complaint filed. Still experian has failed per he FRCA and privacy law breach act to furnish any documents bearing my signature of stated public record of bankruptcy on my report. Experian states that they have verified accurate of any bankruptcy with public record and or vendor. Experian still has not let my compliant supplier me with information or written documents advising who and what vendor has given them information. I still continu me to still suffer from financial stress of experian neglect behavior and operating out of the law and cause deformation of credit ability to me. Lastly, I am still requesting that any and all accounts showing bankruptcy and public record of bankruptcy be removed from my report due failure of supply me with written documentation of such. Just because experian is staying that they verified such public with data vendor does not comply with stated original compliant and the FCRA. If not removed I will move forward with civil law suit for neglect actions.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
I didn't know when I received an account from capital one, XXXX XXXX, XXXX XXXX, or any top companies. I was in high school and didn't have access to my personal information because my mother had my information. She played like she was me and put things in my name. I started getting threatening phone calls and letter from the company that said I owe them but how do I owe y'all when I hax no prior knowledge of anything?
SpeedyCash. 
When I pay more than the balance that is due my pay off amount drops like it should but when I get ready to make my next payment a couple weeks later on the due date and my pay off amount has risen back up. Ex. XX/XX/2018my payment due was {$82.00} and the payoff balance was {$470.00}. I paid XXXX even and the payoff balance was dropped to {$380.00} Two weeks later XX/XX/2018 I went to make my payment on the due date which was {$81.00} the payoff rose back up to {$460.00}. So I payed {$120.00} and the payoff balance dropped to {$340.00} I checked my payoff balance today XX/XX/2018 and it rose back up to {$410.00} Id like to know why they keep raising my payoff amount when Im paying more than the fee amount. How am I supposed to payoff my payment by my payoff due date ( XX/XX/2018 ) when they keep raising my payoff amount ...
Bought vacation package by paying with Citi credit cards, had problems with merchant and disputed the transaction. After a month Citi cards wrote me official letter stating they can not help me with my dispute. Spoke with many supervisors but noone seemed to care about my problem and just told me to deal with merchant myself. Never had that kind of issue with XXXX XXXX or XXXX card. 
Very horrible way to loose a loyal costumer.
I have a private student loan with   XXXX   ( original creditor ) that is listed on my credit report as a charge off in the amount of {$21000.00}. Every month it shows up that I have missed a payment on my student loan to  XXXX .   About 2 years ago this loan was sold  ( ? ) to  XXXX  who now services my loan. I came to an agreement with FAMS that I would make payments of {$120.00} every month until the loan was paid in full. This amount is taken out of my checking account every month and I have never missed or been late on a payment for 24 months.   I have contacted FAMS and   XXXX   and explained that since I am making payments to FAMS, who is servicing the loan for  XXXX , I do not believe it should be reported that I am missing a payment every month to   XXXX  .    XXXX  wrote me back and told me that they can still report every month that the debt is charged off and that I have missed a payment.   Is this correct - seems strange that the loan owner can report a missing payment when I am making monthly ontime payments to their servicer.   Thank you  XXXX   XXXX
I have informed XXXX XXXX many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.
I was contacted by phone after applying on line, and the caller agreed to loan me {$1000.00} if I would wire him {$150.00} in lieu of a written contract to ensure him I could repay the loan. In desperation I did so, and he assured me that money plus the loan would be in my account within XXXX hours. After XXXX hours, I called him back and he said due to my poor credit rating, I would need to wire {$200.00} more for insurance. I did not. I want to provide phone numbers, places, and transactions to help stop these people from stealing. They were all XXXX, and I worry about terrorism. I 've learned, and realize most people would n't be that dumb, but a lot of people are in a bind like me. They have all of my personal information. 
These are the numbers and places the calls came from : ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
IQ Data Int. had acquire a debt from a previous apartment complex I lived at for {$51.00} in XX/XX/XXXX. They reported the debt on my credit so I called them as soon as I saw it.They agreed to remove it from my credit if I paid the full amount so I did immediately. It has been 2 years and they are still reporting on my credit. I called them today on XX/XX/XXXX at XXXX XXXX and was told by the representative, they can't do nothing about it.
The company still shows a string of delinquent payments. Still shows a balance of {$510.00} owed on the card. XXXX XXXX needs to show the account with no payment issues and no balance due. 

I still have not received the information regarding the previous action. 

This has been a 3-year ordeal and they have made multiple promises to address this, they simply don't. 

I expect the account to be either closed or open with a non-negative record. I still don't have the correct information with regard to the XXXX issue where their people were on the call with me while dealing with XXXX.
I contacted transunion on XX/XX/XXXX at XXXX XXXX eastern standard time I mentioned to TRANSUNION i was a victim of their inquiry issue, a representative mentioned to me they were n't able to help me out with the inquiries, sec 611 of the Fair credit reporting Act states anything that is deleted from your credit report and reinserted you need to receive a 5 day notification after that item is reinserted, for the record I was not notify by TRANSUNION of any notification of any inquiry being reinserted ... 

Name of Company Date of Inquiry Type of Business XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX Banking XXXX XXXX Finance XXXX  XX/XX/XXXX Oil And National Credit Cards XXXX XX/XX/XXXX Oil And National Credit Cards
This company has reported on my credit without proper validation. I do not have a contract with this company. I need proof of Hipaa authorization transfer to this company and proof of signature, NOT JUST A BILL. 

Amounts : {$550.00}, {$870.00}, {$280.00}, {$290.00}
Company advertises a cash award on their Premiere checking account if a specific deposit amount is made and maintained for 90 days. I made the specific amount deposit on XX/XX/2018. To date I have not received the cash award despite calling 10 times. They have opened at least 3 'cases ' during this time, are constantly telling me they can not respond for a week. This is obviously a scam designed to accept my money and hold on to it for as long as they can. Please help me to resolve this issue with them.
XXXX XXXX XXXX Attorney at Law has been making attempts via phone and mail to collect a debt for XXXX XXXX XXXX in the amount or {$2000.00}. In researching this laboratory I discovered this laboratory is in bankruptcy proceedings and several collection agency 's are attempting to collect for debts that are without merit and unverifiable. I feel as though my husband and I have become a target of these predatory tactics and I wish for this to stop. I do not owe any laboratory any amount.
Debt collection company has repeatedly used multiple phone numbers and attempted to contact me at all times of the day, multiple times. This company also posed as a potential employer and called my parent 's home phone number looking for me. They lied, and said they were calling from " XXXX. ''
I made a purchase of {$1000.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
I am a military veteran who has traveled around the world and when I came back from XXXX and wanted to settle in this area to buy a house I went to check my credit for the first time ever and was stunned there were things on my report I had never even heard of, but I have an insanely common name, XXXX XXXX, so I figured it goes with the territory. However, still it is disheartening and I need these mistakes and some down right fraudulent things off of my report. Some of the security questions even ask me about mortgages I have never had in my entire life, that alone scared me to death. Anyway, you see my concern! So in this particular case, I have 3 hard inquiries that are not authorized in no way shape or form. Apparently XXXX has a history of wanting sales, as I see on the internet there is even a class action suit against them for charging people for service they did n't order or add on 's they did n't order. So is in my case, I never ordered their service! I called three different servers in my local area asking about services and their customer service reps were horrible and I was told my credit would not be ran, I was insistent about it not being ran, and reassured it would not be! I was told that by all three, and apparently XXXX lied, as they are the only one that showed up on my credit report. You can check, I DO NOT have their service and never did. I am also writing their company complaining of their horrible business practices but looking at the massive complaints online, I doubt they will notice mine. I need their fraudulent inquiry off of my report post haste. Also I need two inquires from an XXXX XXXX XXXX, each summer from XX/XX/XXXX and XX/XX/XXXX, a XX/XX/XXXX and a XX/XX/XXXX they ran my credit? That is scary because I never ever ever inquired about any mortgage  just like the weird security questions were asking me about a mortgage in XX/XX/XXXX that I also never had or even heard of for {$1500.00} and something dollars. I pray that nobody got a mortgage in my name, it sounds like a big house if they did, geeze. I wrote a note to the credit bureau and put a fraud alert on my account for awhile. Anyway, I am trying hard to get all of this stuff off of my account/and records. I did not authorize anything like this, NONE of the THREE inquiries are authorized and I asked customer service to remove them and they have not helped me. Please please delete them immediately. I have a wife with XXXX XXXX, the last XXXX kids ( out of XXXX ) I still have to raise, and now grandkids I have to help raise. I desperately have to buy a humble house to raise my family in and I served my country thinking the whole time that I was doing good by not checking my credit. I did n't know till recently that I should have been checking it all the time, cause apparently someone was messing with it. Please help me. Thank you, Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX or XXXX XXXX XXXX ( wife/if I am at work ) , last address XXXX XXXX XXXX, XXXX, MO XXXX ( just 5 mi down the road ) - then I bought land to build my house on, where I am now.
According to XXXX XXXX and LendUp.com, I am eligible for a personal loan that would be able to help me squash some debt. After showing me that my score falls into a " approval zone '', I get denied because of lack of credit.
I am a XXXX-year old auto accident victim, residing in an olds folks home in New Jersey. On XX/XX/XXXX, Nelnet granted me TPD for my loan and since then I have been unemployed. I am living on Social Security Retirement pay  of $ XXXX monthly which pays my rent and bills. Neltnet reinstated my Loan and wants me to pay the discharged Loan with my retirement income. On XX/XX/XXXX I faxed the complaint along with the necessary evidence required to support my grievances.. If the fax is not received, please contact me to resend it immediately. 

XXXX XXXX XXXX
This complaint is against Seterus. They verbally approved me for a forebearance until XX/XX/2018 due to hurricane Irma. Today I received a demand letter accelerating my mortgage.