WillisBack/dataset-financial-user-claim huggingface dataset:
An erroneous entry has been made on my credit files with XXXX, XXXX, and XXXX by : Enhanced XXXX. XXXX XXXX, FL XXXX original creditor was XXXX. 

I had an account with XXXX until approximately XXXX XXXX. I cancelled the account due to billing errors that had existed Since XXXX. 

When the billing errors were initially discovered, I contacted XXXX customer service, and each time I was assured that the proper credits would be issued. The bill was supposed to be approximately {$110.00} per month, but each month I had to call XXXX customer service for credits and adjustments. 

I have notated conversations with XXXX on my bills, and I have digital recordings of XXXX telephone calls to XXXX. In these notes and calls XXXX Representatives acknowledge the billing errors, and agree to write the proper credits to correct the billing. However the credits were not issued as agreed. 

I cancelled the XXXX service and continued to pay {$10.00} per month as a goodwill gesture to give them time to correct their erroneous billing. 

I was never contacted by Enhanced Recovery with notice of my right to dispute this bill, even though a forwarding address was available to them. I discovered the alleged debt when it was reported on my credit files. 

On XXXX XXXX, XXXX, I sent a dispute to Enhanced Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. IT was sent by XXXX mail, registered mail # XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX stamped received by XXXX. XXXX. 
I have received no reply to my request for records and verification of the alleged debt, or any answer whatsoever. 

On XXXX XXXX, XXXX, I sent another request for information and verification of the debt to Enhanced Recovery at the same address. This request for validation and investigation of the alleged debt was sent by XXXX mail, registered mail # XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX and was signed with an illegible signature. 
I have also received no response on this inquiry. 

Similarly, letters requesting verification of the alleged debt, along with details of the investigation process were requested of XXXX, XXXX, and XXXX by XXXX Delivery Confirmation on XXXX XXXX, XXXX. I received no replies. 

I am asking that as required by the Fair Credit Reporting Act, that Enhanced Recovery XXXX XXXX be directed to remove all information regarding their reporting of this from all credit reporting agency files as listed above. I am also requesting that due to their inability or unwillingness to respond to my inquiries that any and all reporting to any agencies including credit reporting agencies, Enhanced Recovery XXXX be directed to remove all reports regarding any transactions between XXXX and myself. 

Should Enhanced Recovery not furnish the Federal Trade Commission with proof of delivery, showing my Signature of replies within the time prescirbed by law that the Federal Trade Commission direct the removal of the reports as requested above and that they be fined according to the FCRA according to it 's stipulations. 

Thank you very much for your consideration.
i paid off my loan that i had with ocwen. i had a payoff quote good until XX/XX/2018 for the amount of {$120000.00}. They received that amount on XX/XX/2018. At the time, my escrow Balance was {$1600.00}, which i have from my online account and i also have a statement date XX/XX/2018.  Shortly after paying my account off i noticed my escrow fall to $ XXXX, with no reason as to why. No taxes or insurances were paid to make this happen. i received a check from them in the amount of {$900.00}. I contacted Ocwen and the person i spoke with ( i dont know their names because they dont speak very good english at all ) told me that the reason for the difference was that my payoff was actually {$120000.00} and thats why i received less, because i didnt send enough to cover my payoff. I pointed out to him that i sent exactly hat was listed on my payoff letter i received and i also sent it a day early. After looking into that, he agreed that i was correct. So then i asked for a explanation fo the escrow and he couldnt come up with one. i asked to speak with a escalation manager, whose name i also dont know but his extension is XXXX he tried to tell me that i had less in my escrow account than stated everywhere in my online account. He asked for a few days to resolve this and i agreed, but then told me no, i wasnt entitled to any more money. They tried to tell me that in XX/XX/XXXX i had XXXX in my excrow and then they paid my insurance which brought it down, however as stated in the payment history and in disbursement schedule, i had {$2300.00} when they received my payment in XX/XX/XXXX, then the {$1200.00} for my home insurance came out on XXXXXX/XX/XXXX leaving me with {$1100.00} and i made a payment adding {$570.00}. in the end, i had {$1600.00} in my escrow and i am entitled to all of that back. i am requesting they send me the difference in the {$1600.00} and the {$900.00} i have recieved plus interest. At this point my taxes are due which i was using this escrow money to pay for. i dont feel im being unreasonable as everything i have that i am using in my favor, came from Ocwens website. This is the info they have given me! The most recent contact i have is with XXXX XXXX at XXXX, she needs from XX/XX/XXXX until friday the XXXX to look into this which in my opinion is far to long. i can see this within hours. its right in front of our faces
I moved out of XXXX apartments on XXXX/XXXX/2015 on the day I moved I was told I owed XXXX dollars, so I paid it turned in my keys apartment was clean an empty gave them XXXX. Moved to XXXX XXXX homes, the lady who works in XXXX knows the lady at XXXX because she use to work at XXXX, all these people know each other. When my lease was about to end at XXXX I went to look for a new apartment. When I found XXXX I was told I had bee denied due to an adverse action from XXXX town homes, manageded by XXXX property management. I was baffled, so I immediately contacted them and they told me they could not help me because my account had been assignged to a collection agency. When I contacted the collection agency NCC XXXX, The first thing they do is make sure they have current information on you. The guy at the collection agency gave me an address for me in XXXX CA. This is where the initial deman letter went. First off I do n't feel I owe these people anything, however had I been notified about the situation in a timely manner I would have paid it to avoid it being on my credit because essentially this is an eviction. No apart ; ment will rent to you with this on your record. I was never notified about any charges and believe this apartment situaions like this you are supposed to see a judge, tnis is a judgement issue, I still would have paid it just to avoid the collection agency had I been notified about the degt. to this day I have never seen any type of paper work for this so called debt. I moved out of XXXX on XXXX and according the my credit report this was on my credit by XXXX barely 45 days. This was a personal vendetta by the XXXX apartment home because I put up a website about the shabby condition their, that is all this is about,
previous complaint.    XXXX  Hello, as per previous complaint. I have tried again to get my account unlocked.  Wells Fargo s till insists I go to branch to close it.   I also contacted  XXXX   XXXX  as per last complaint. left message but no callback.     I then asked as advised in previous complaint to just close the accounts over phone but  Wells Fargo  still wants me to go to the branch.   as I have stated I am  XXXX  and am unable to go. They are required to close my account over the phone but insist they do not have to and want me to go to branch and that is only way to close it.   Is this how any company should run a business? This will be my last account with  Wells Fargo . period.     Please have them close my saving account and send me certified check for balance to my address on record..   I am done with this bank.     Thank you,  XXXX   XXXX   XXXX
On XX/XX/2018, I applied for a XXXX XXXX credit card through XXXX XXXX using an on-line application. I received an automated email message confirming receipt of my application, which indicated that I would hear back within 2 weeks. 

On XX/XX/2018, after hearing nothing from XXXX XXXX or XXXX, I applied again on-line. I received the same automated email message as on XX/XX/XXXX. 

On XX/XX/2018, I stopped into a XXXX XXXX store to inquire about the status. I was told that the application was being processed. 

On XX/XX/2018, I called the phone number on the XXXX XXXX web site to inquire about the status. After being transferred four times, someone from XXXX told me that I had been sent a letter in XXXX and that I must wait for it to arrive. I noted that a letter that had been mailed in XXXX that had not arrived by XX/XX/XXXX was probably lost, but they refused to give me any additional information. 

On XX/XX/2018, I received a letter dated XX/XX/2018 that stated, in part, " Our records show that we received more than one application from you within a 30-day timeframe. Unfortunately, we do not process any additional applications received within 30 days of a previous application. At the time of your previous application, we sent you a letter notifying you of our decision. '' Having not received any response to my XXXX application, despite numerous attempts to contact them, I believe that Comenity Bank is in violation of the Fair Credit Reporting Act, which requires the lender to notify an applicant of a credit decision within 30 days of application.
Capital One grossly mishandled a dispute with a charge that ended in a {$3000.00} loss and the theft and extortion by a merchant who sold us my engagement ring. Due to Capital One 's gross negligence, misinformation from employees who do n't understand their responsibility to provide accurate and timely information regarding a dispute, and Capital One flat out " losing documents '' on multiple occasions - our dispute with this merchant who defrauded us dragged on for more than 6 months. Now, the merchant who sold us my engagement ring has the ring AND our {$3000.00} - the merchant refused to return our money after accepting the return of the ring which was sold under false pretense and defective - now that they have my engagement ring which they 've since irreparably damaged, they 're keeping our {$3000.00} and demanding another {$1000.00} ( extortion ) to receive the remains of my engagement ring. After dozens of " dispute specialists and managers '' assured we have a strong case with more than enough evidence and expert testimony, Capital One 's position at the end was that it simply was not their problem - despite their reckless handling of the case.
On XX/XX/2016 XXXX XXXX XXXX CT- XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
In XX/XX/XXXXI attempted to modify my 2nd mortgage with CitiMortgage. I was told by a Citi employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with Citi stalled, I received the attached letter from Citi stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. CitiMortgage is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.
Performance Slc mislead me on helping me with my student loan and now there trying to take my money.
I deposited a check in XXXX currency with the Citizen 's Bank XXXX XXXX, 2015. Instead of converting to XXXX currency at the published Exchange rate of C {$1.00} = XXXX {$0.00} on the date of conversion, the Bank gave an Exchange rate of C {$1.00} = XXXX {$0.00}. This amounted to a difference of more than XXXX {$1800.00} in their favor for handling this transaction. 
I called XXXX other banks with whom we do business, and was told they always used the posted official daily exchange rate. 
Please respond with the Official FTC policy regarding this matter. 
Thank you. XXXX XXXX XXXX XXXX ( XXXXXXXXXXXX, Tel. ( XXXX ) XXXX )
Yes hi my name is XXXX last year ago I have noticed several inquiries on my credit report from XXXX card. I gave them a call to let them know that it was fraud been done in my name and asked that they fixed the problem. They told me that they would but never have and this was last year some time in the summer of XXXX. So because they handle the situation properly I called XXXX and let them know of the situation what was going on. That it seems as if someone has stolen my identity, they did put a block on my social security number and also removed the XXXX card off my report. In XXXX of XXXX or XXXX I believe but here it is XX/XX/XXXX and it pops up again on my credit report. I have been rebuilding my credit over so I can buy me a house these hard inquiries keep putting a ding in my score. I'm really getting irritated by it cause it's getting out of hand my next step is to Laywer up and Sue XXXX card I'm trying to avoid going this route so can you all please help.
PROFESSIONAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, OR XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PROFESSIONAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
XXXX XXXX XXXX, XXXX are debt collectors and violated the terms of the credit card agreement with Capital One by 1 ) filing a lawsuit instead of binding arbitration ; 2 ) Taking action against the authorized signatory holding the corporate credit card issued in the name of a limited liability corporation ; 3 ) Using threatening tactics in order to force authorized signatory into settling the account under duress. 

This complaint is being submitted in order to allow XXXX XXXX XXXX an opportunity to respond instead of claiming they did not receive the previous complaint and exhibits which support my position this case.
A claim was opened on  XXXX  with  Paypal  for a transaction, #  XXXX ,  XXXX  from  XXXX  on  XXXX . I received a message today asking me to return the item at my own cost to  XXXX . The reason for dispute is the item was damage by a local   XXXX   store and they refused to refund the item. The item was taken to a local store to be monogrammed and the  rep ( s ) damaged the item by pressing initials too hard on the leather making the monogram too deep and damage the item. I attempted to explain this to several Paypal reps, howeve r, I was told the claim was closed out and it was not by myself. Papal reps refused to do anything further
my personal checking account was hacked and all my funds were transferred to someone else account without my knowledge or authorization.
There is an inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. I have called them to call the credit bureau and tell them I never applied for anything. All they tell me is that it's not their problem. So rude they made the inquiry without me knowing and now they will not fix it. I NEVER applied here for credit and furthermore I don't even live in California.
On XXXX XXXX, 2013 a debt was paid to an attorney 's office. I received notices from XXXX 3rd party collection agencies ( ditech and green tree servicing ) attempting to collect this paid debt.
I have been attempting to obtain a reduction in student loan payments. Currently, my wages and income tax refunds are under garnishment. On XXXX occasions the necessary paperwork has been submitted yet my responses have been in the form of letter advising me the XXXX has submitted my account for debt collection. On XXXX/XXXX/2016 I received a response to my latest request for a reduction. I immediately contacted the XXXX number ( Saturday hours were listed as XXXX ) at XXXX and received a recording the office was closed. On XXXX/XXXX/2016 I received another notice advising me the XXXX had placed my account in delinquency status with a collection agency ( Trans World Systems Inc ) and they were unable to contact me and I needed to contact them. I called and spoke with XXXX XXXX, who informed me the reason they send me this notice was due to their inability to get in contact with me and I needed to submit the same form I had submitted ( I have copies believe the credit agencies are UNFAIR in their practice and deliberately or callously delay repayment negotiations by constantly asking for the same information or in my case generating a debt collection notice when in fact the account is being repaid. The notice does not state a reason why all the paperwork was rejected or what was incorrect. The letter tells me to send all correspondence to the collection agency address. I submitted over 20 pages of documents and it is obvious they received something, what I find troubling with this situation is why I receive a debt collection notice rather than a professional acknowledgement of my documents as well as what items are further needed to process my request. It is time-consuming to gather all the documents required by XXXX for consideration of reduction. I am deeply troubled by the {$20.00}, XXXX in penalties assessed to my account and how no communication is mailed to me on a regular basis since my wages are garnished on a regular basis. Nor do I receive a balance statement. In the past I had to file numerous complaints against the collection agency for harassing calls at my workplace, cell phone and home phone. 
As I have stated to the agency in the past, I do not want phone calls, I want all communications in WRITING. That is not illegal or against the law to ask for this request. Yet when I submit information in writing, I am told they could not contact me and I need to call them. But when I call I am told I need to resubmit information previously submitted but with no explanation as to what if anything was incorrect. Not only do I seek a reduction in my monthly payments, but I am requesting to receive a monthly statement indicating how my monthly and yearly payments have been applied over the past two years as well as payments in the past. I feel the collection agency is being deceptive and assumes that customers are ignorant or afraid to question their questionable business practices.
This is an official complaint on Toyota Motor Credit. Approximately around the month of XXXX 2014 I traded in a XXXX Lease at the XXXX XXXX XXXX dealership. Upon communication between these XXXX institutions ( dealerships ) it appears that the payoff amount gathered was incorrect and grossly miscalculated. The amount supplied by Toyota Motor Credit to XXXX XXXX was short approximately {$6500.00}. At the time of the transaction taking place none of this information was disclosed to me as these XXXX entities communicated with each other accordingly as their processes are internal within the financial departments. Therefore, due to their lack of accuracy and efficiency I have an outstanding delinquent amount due that is being reported on my credit. I have made numerous attempts with the credit reporting agencies, along with numerous communications with both dealerships ( Toyota Motor & XXXX XXXX ) to no avail. This is seriously placing a blemish on my credit report and as a business owner this is also inhibiting future growth and expansion. 
Your prompt attention to the severity of this complaint would be greatly appreciated.
have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX  , XXXX, XXXX , XXXX XXXX, XXXX ,, XXXX XXXX  , XXXX  , XXXX XXXX, XXXX  , XXXX XXXX, XXXX XXXX, XXXX  , XXXX XXXX , XXXX , XXXX XXXX and XXXX XXXX .
We are trying to get a short sale initiated with Wells Fargo - This is an FHA loan. Wells Fargo is insisting that there is a title issues - but I have provided proof that there is no title issue and the judgment on file is actually Wells Fargo 's Mortgage. I would like Wells Fargo to get this short sale opened so we can help the sellers
Credit Karma website suggested applying for credit with excellent and above advances to obtaining credit. Par their suggestions I applied for credit and was denied for two suggested credit beyond excellent. 

Denied with XXXX XXXX, and XXXX. When I called them and both companies, it was stated that both companies do not have contact or any working relationship with Credit Karma who is advertising their cards on their website. I told them it is not fair it a fair practice to lie or mislead persons into applying for credit and costing us credit points. 

I also told them they should put up disclaimers to warn customers not to apply in that this could affect their credit and a warning that they do not have the authority to make suggested marketing seeing as they do not and can not make professional recommendations that credit will be granted. 

They should not be using subliminal suggestions via website and the companies do not support their suggestive recommendations.