WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX  credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
I have an unverified account from Enhanced Recovery. I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
ENHANCED RECOVERY COL XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX never even herd of them..they are claiming i owe a cable bill I use Free tv and where i am at now the landlord pays the cable bill not to say i have been living in FL since 2014 ... they are on my XXXX and XXXX reports i ca n't get thru any numbers for info to check on this..i am getting nowhere i disputed it and all i get is ... it 's been updated ... .weird
I received a letter stating it was a follow up letter from XXXX ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XX/XX/XXXX and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act FDCPA.
I have been disputing a Chapter XXXX Bankruptcy that Equifax Credit Bureau maintains under my Social Security number beginning with a letter sent via certified mail on XX/XX/XXXX, where they responded the Bankruptcy was verified by the U.S. Bankruptcy Court. I then sent another letter onXX/XX/XXXX via certified mail asking for verifiable documentation, where they responded that XXXX ( a third-party ) verified the bankruptcy. I then sent another letter on XX/XX/XXXX via certified mail asking for verifiable documentation and they responded saying that the U.S. Bankruptcy Court was now verifying the Bankruptcy again. I sent them another letter on XX/XX/XXXX via certified mail and they are still refusing to send me physical proof of the Bankruptcy. I have exhausted all avenues of trying to work with them and have no choice but to report them for non-compliance in adhering to the law. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the  information indicating a Fair Credit Reporting Act violation, the bankruptcy information currently showing under my social security number needs to be PERMANENTLY DELETED from my credit report immediately. 

The EQUIFAX Credit Bureau needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file they maintain under my name and social security number. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Credit Bureaus are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that Credit Bureaus post on anyones credit report. Otherwise, anyone paying for a Consumer 's reporting services could fax, mail and/or email in fraudulent and erroneous account information.
After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the XXXX and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the XXXX and XXXX a Bureaus have not provided the proper validation which violates my consumer rights.
See attached letters, after describing the above it went blank. Dates amounts companies are documented on files attached
I went to my fifth third bank located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/2018 to cash a cashiers check, see attachment. When I stepped up to the teller I handed her ( XXXX ) the check and told her " This is a check for a business transaction from out of state and I don't know this person. Should I put a two week hold on this check to make sure it clears? '' She looked at the check and then said " NO this is a cashiers check drawn upon this bank ( XXXX XXXX XXXX ) ( see attachment ) and the member would have had to have a sufficient amount of funds in their account to be able to draw this check. '' Her response lead me to believe that everything was alright. She then cashed the check for me. I left and went about my business. The following week I received a notification ( see attachment ) that {$4500.00} was taken out of my money market account to cover a fraudulent check plus {$15.00} fee. I was very distraught to see this especially since I specifically asked the tellers advice. I went to the bank within the next several days to talk to the manager ( XXXX ), I told him what occurred and he said " We don't put holds on checks, we could cash it or deposit it into your account and the funds would be available in 1 to 2 business days. We can not be responsible for fraudulent checks or checks with insufficient funds. '' I told him that I understood that but in lieu of the conversation that I had with the bank representative I was lead to believe that everything was fine and that I proceeded accordingly after all I am not an expert at banking policy or proceedure. XXXX said " if that was your conversation with the teller then it could have been handled better '' Yah Think??? There was admission right there. Had the teller told me what XXXX told me I would have had the opportunity to make an informed decision having had the proper information disclosed to me. I am in health care and If something happens to a patient after they made a decision base upon incomplete information that I gave them I would be sued for negligence and mal practice. I can only believe that a bank has the same fiduciary responsibility to the community and it's members. If not how can I ever feel safe acting upon anything that a bank tells me again. I would like for the bank to take responsibility for their mistake and reimburse my money in full.
I want to have charge off status deleted. There is no contract signed by me with Portfolio Recovery connecting me with them. They purchased the account from XXXX and I have not contract with them. I had no contract with XXXX either. 

XXXX XXXX XXXX, CA XXXX Portfolio Recoivery, LLC .XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$1100.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
Remove the debt from XXXX credit reports, show as paid. 

Delete Charge Off Status.
I have a cash back check that I received from XXXX XXXX XXXX for the amount of XXXX that expired XX/XX/2018, I took it to XXXX XXXX XXXX  to redeem it and the store said we can not redeem it but you have to call the number on your card for them to reissue the check. 
I called the Credit card company but they refused to reissue the cash back check.
Experian refuses to correct bad and incorrect information on my credit report. XXXX XXXX XXXX  have been paid. They remain on my report as open collections. 
XXXX XXXX  is not my responsibility. This is my ex-wife 's responsibility. This was part of our divorce decree. The fact that she is regularly delinquent is not my legal responsibility. I can not recall ever even having to have spoken with XXXX. This detrimental information should not be on my record.
I had no money had all I could do to pay my rent. Offered to pay XXXX $ per month and he refused it. Called me at all hours. Never in my life have I had someone be so rude and disrespectful and not want to work with me. He made me feel about an inch tall and I cried I was so upset. Now on XXXX report these do n't even show and XXXX dies and has dropped my score. I had no idea I could dispute this. I did n't know to even dispute it to. Asked to speak to his manager. He basically told me I was trash. I did end up paying the XXXX $ XXXX and it 's still on my credit report. I just want it removed off the XXXX credit report.
Just about 9 years ago i underwent " training '' in the field of the XXXX. I was psyched about pursuing a career in XXXX, and til '' this day i feel as though i was scammed out of my money. 
After " graduating '' i found myself w/ no job placement assistance and no guidance from staff / counselors on how to improve my resume / reel for a better chance at succeeding. 
The equipment was outdated, the instructors ( XXXX XXXX ) to be precise, was also quite antiquated in his teachings, and was n't quite moving w/ the speed of technology. Most of his experience was with older models, so it was hard to go out on the field and not know all the glits & gadgets that were used in " today 's time/ '' Much of the XXXX equipment we used, was n't comparable to that of the equipment real XXXX were using, so it was a challenge to navigate through an " on the spot '' test when i was out interviewing. 
Even while attending school, my classmates and i heard complaints about the school, but we were so eager to get " our foot in the door '' that we pushed through. 
i '' ve kept in contact with almost everyone in my graduating class, and out of all of us, only XXXX person is actively in the field, employed & successful. 
Luckily for the rest of us, we were able to find other promising jobs in other fields, but i know i am not alone when i say i feel scammed by this school. 
I struggled with job stability, and with no help form XXXX XXXX, i found myself unable to pay my loan back. This has affected my credit drastically, and i am still working hard to build it. I must admit that i 've made little attempts at getting my student loan account in good standing, primarily because i am just now finding stability in my life, and so many other things were put in front of this. 
I owe more now, than i did when i first got the loan out, because my interest rate is through the roof. 
I would n't recommend this school to anyone, and honestly, i am one to give everything an honest chance.
I never Borrowed the amount of money this law firm from XXXX XXXX is trying to get, they are reporting inaccurate amount of fees and penalty on my credit report stating that i owe them XXXX which i never borrowing from any credit card company. i disputed this account directly with the with this law firm, i never got any original contract, no supporting document, they only send me a copy of purchases made on that account but no proof that i own this company but the derogatory marks remained on my report. If they are n't able to remove this negative that 's really affecting my family live, i will like them to provide full verification and contract of this debt.
My private student loan of {$40000.00} was issued in XXXX. Till date I have already made payments of {$26000.00}. However, the lender younomics claims that as of XXXX XXXX, XXXX, I still owe the full principal amount of {$40000.00} plus interest for a total of {$67000.00}. Further, I believe that the lender did not disclose the actual interest I would end up paying nor the breakdown of interest and principal. They knew at the time of signing the loan, that it was not reasonably possible to pay off the loan and that I would perpetually be in debt, yet they failed to disclose this fact. Moreover, I have been repeatedly requesting for more than a year, in writing and through phone calls, that the lender send me a copy of the loan contract. Each time the lender 's agents promise to that, but never send the documents, further evidencing that a full disclosure was not made at the time of issuing the loan and that they took took advantage of my vulnerability of prospective graduate student looking to get admitted immediately. Also, I have been repeatedly telling the lender and its billing company, that I want to speak to somebody with authority or the legal department for possibly revising the loan terms, that I was disputing the amount, and that they should not do an adverse reporting of my credit scores unless I spoke to that person. Yet, they went ahead and reported the credit agencies that my loan was delinquent for 3-59 days thereby adversely impacting my credit scores.
these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX  and other agencies and will file for damages up to {$1000.00}
Ive attempted to put a freeze on my credit information held by TransUnion five times, and TransUnion declines to comply with my request : - Their web site declines to accept valid information, referring me to a phone number instead - After navigating a tree of menus, I am put on hold for many minutes, then disconnected.
XXXX XXXX has had a Home Depot credit card for three months. I was told my card would be reported to XXXX XXXX by the second month of using the card and it is not showing up on my credit report. I have tried to solve this problem by calling Home Depot but they said it is automated and they could n't help me.
Mortgage company Ditech continue to escrow home owner insurance and send payments to the insurance company when I requested them not to do so and the company approved my request not to escrow home owner insurance. We pay our own home insurance for the year beginning XX/XX/2018, yet they have escrowed and have sent a check to the insurance four times between XXXX and XX/XX/2018. The latest was XX/XX/2018 I received an email from the mortgage company on XX/XX/XXXX, that they sent a check to the insurance company in the amount of {$1400.00}. 

This is my second complaint on the company since XX/XX/2018. The mortgage company response to your agency and to me is that they corrected the problem but the same issue happen again right after they sent out that communication that they corrected the issues.
XXXX XXXX XXXX XXXX ( XXXX ) suspended my professional XXXX license in order to collect a default student due to my XXXX and which I attempted to consolidate through the XXXX XXXX XXXX XXXX. 

XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX with Toll-free phone number XXXX through their XXXX XXXX, XXXX is charging 16 % ( a PAYDAY TYPE fees and charges ) of the loan balance, thereby adding to the loan balance burden on the student.
We have an escrow account with OCWEN on our home loan to pay tax and insurance. It is a new loan and we forgot they pay our taxes and we paid the County the taxes. When OCWEN sent tax payment to County the payment was returned to OCWEN because the tax bill ( {$2300.00} ) had been paid. We contacted OCWEN to get refunded this overpayment, which sits in our escrow account. They refuse and instead say they are making an adjustment which is actually charging us MORE each month for 49 months ( see attached letter )! It makes no sense. We do NOT want to have an adjustment on our monthly escrow to absorb this overpayment, we want a simple refund so it is not confusing, plus {$2300.00} is a LOT of money to us and we need to be reimbursed.We need our money!
My XXXX credit card was closed on XXXX XXXX before I could pay the full balance due on XXXX XXXX. Its website states " The balance on your XXXX XXXX XXXX XXXX XXXX has been transferred to your new card account with Citibank. Citibank will communicate with you regarding your balance ( s ). You will not be required to pay your balance in full to XXXX XXXX as a result of the transfer of your card account to Citibank. XXXX However, Citi charged me an interest on XXXX XXXX, when I received the first bill. This is the FIRST time citi communicated with me regarding the remaining balance transferred from XXXX. I was never late on any payments, and this happened simply because of the transition, so Citi should grant a grace period and waive the interest change which they refused to do.
On or about XX/XX/18 I make a cease and decease letter to XXXX XXXX , XXXX Assignee of Santander Consumer USA , INC and to Santander Consumer USA, INC in the amount of XXXX. on XX/XX/18 a letter was drafted by XXXX XXXX XXXX XXXX XXXX. This letter was drafted after I mailed them both a cease and deceased letter explaining to them not to contact me. I do not owe XXXX XXXX XXXX XXXX anything they brought this debt and my account with Santander is closed. 

Can you please assist me further with this matter.
I applied for a first time homebuyer loan and was told that no action could be taken at the time because of my credit score, However there was correspondence on my behalf to other lenders which asked me for all my iformation but still denied me an opportunity to even work with a mortgage company.
I noticed some medical bills reporting on my credit that did not belong to me and reported this issue to TransUnion, XXXX, and XXXX on XX/XX/XXXX. After all 3 bureaus claimed to have completed an investigation and delivered the results of their investigation to me onXX/XX/XXXX ; XXXX had removed all of the medical bills that reporting on my credit incorrectly and XXXX and TransUnion had removed some of them but not all of them. I contacted Transunion and XXXX again on XX/XX/XXXXadvising them that none of the medical bills reporting on my credit file were mine and to please mail me the person/s who had verified this inaccurate information as is my rights under the Fair Credit Reporting Act. After this second request to TransUnion and XXXX  both removed all of the inaccurately reporting medical bills from my credit report. I just checked my credit report today and TransUnion is reporting a medical bill that I disputed and had removed on my credit report again. Both XXXX and XXXX have not continued to report this inaccurate reportings and TransUnion for some reason why continues too. Please investigate and provide me with this nonexistent proof that this medical bill is mine and reporting accurately.