WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX MARYLAND XXXX, MO XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : Dear XXXX, Experian , & XXXX This letter is in response to your recent claim regarding Acct # XXXX, which you claim I have errors, charge offs, fraudulent accounts on my credit file. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from XXXX XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation 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 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX 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.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
A friend notified me about a XXXX point promotion for a Starwood 's XXXX credit card. I XXXX and it brought me to a page to sign up, mentioning the promotion. There was no clear indication about restrictions, and when I signed up, it never said I did not qualify for the promotion. After achieving the necessary spending, I did not receive the promotion points. I contacted XXXX and was sent a form letter denying my request with incorrect information, and with no phone number or address. I called XXXX and no one could provide me any contact information, so I now need to contact the CFPB I believe I am due XXXX points in the promotion. XXXX 's response is basically an unreachable black box, presumably to prevent customers from reaching them.
I am the sole, legal representative of my deceased mother 's estate. My mother died on XX/XX/XXXX. I submitted a death certificate, XXXX, a copy of her WILL, and all of the XXXX XXXX XXXX XXXX 's documentation that the WILL had been properly probated and is closed. I am also the co-owner on her checking account. The branch lost my paperwork. I resubmitted paperwork on XX/XX/XXXX to Regions Bank, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The branch refuses to release funds or change the name legally on my account and has illegally locked my account. Instead of acknowledging their mistakes, they are requiring me to reopen the estate, despite having a all legal documentation. This bank has done nothing to resolve the issue. I am afraid this could happen to other consumers.
On XXXX XXXX 2015 I notified the credit bureaus that I was a victim of ID Theft and sent in police report, utility bill ( as proof of address ), ID Theft Affidavit, social security card and drivers license and requested the freeze. I sent certified to Experian and they signed for it on XXXX XXXX. I did not get a response. I resent all the documents on XXXX XXXX, 2015, and they signed for it on XXXX XXXX 2015. I still never received a response.
The XXXX turned my debt over to Clear Credit Services who have a guy named XXXX XXXX calling me and My employer, demanding to speak with the XXXX. He has repeatedly discussed that I owe money and that they are serving me in XXXX hours with a law suit. My employer is becoming angry over this and have asked them to stop but they have n't. He said today that the debt was from the XXXX. 
I have many recordings of his statements.
XXXX XXXX XXXX has refused to correct the incorrect data they put in my Credit Reports due to their sloppy record keeping. 
My loans have been paid off since XX/XX/2007, yet they are reporting my account as late. 
I have tried to get this issue resolved with XXXX for months now, and so far, they have been useless in resolving and or fixing their own mess. 
I am reaching out to you for your help.
I have contacted all the tree credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know  XXXX  and and   XXXX   has been in the news for some deceitful  XXXX   XXXX  numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.
In XX/XX/XXXX, I sent in a letter to the law office of Brett M. Borland and XXXX XXXX XXXX and also all 3 credit bureaus in regards to a collection from XXXX XXXX XXXX. The collection is stating that i owe {$1.00}, XXXX. XXXX XXXX is stating that I was evicted in XX/XX/XXXX but my lease agreement clearly states that my lease expired in XX/XX/XXXX. I was no longer living at the residence in XX/XX/XXXX which is why I do not understand why I am being held responsible for rent charges between XX/XX/XXXX to XX/XX/XXXX I have sent in numerous letters asking that the company to verify the charges and explain why the account is listed on my report. I never received a letter from XXXX XXXX XXXX but I did receive a letter back from the office of Brett M. Borland. P.C. The office sent me a copy of my lease agreement. The information listed above can also be seen on the lease agreement and it shows where my lease expired on XX/XX/XXXX. I challenge the accuracy, compliance and reportability of this listing.
On XX/XX/XXXX I deposited {$1500.00} cash into a person 's Wells Fargo account. I was under the impression that I was putting down first month 's rent and deposit for an apartment. I was told the keys would be mailed to me. I had been corresponding through the scammer ( who I thought would be my landlord ) via text and e-mail. I followed his directions to make this cash deposit into the account number that he gave to me XXXX. A few hours later, my dad told me I had been scammed. I went back to the branch to explain the situation and they looked up the account number and told me that it had been flagged for fraud ; no money could enter or leave the account. The banker told me there were several other cash deposits made in the same amount into that same account from other locations. I filed a police report with the XXXX XXXX PD. For the past month I have been in correspondence with the Branch Manager. ( Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). He told me the case is being investigated and that there were other victims. I have been e-mailing him several times a week asking for updates of my claim and he told me that it was " under investigation '' with the " resolution team '' as well as being escalated to a " research team. '' I was told they have my contact info but have not been reached by them. I have also not been able to reach anyone at Wells Fargo about this except for the branch manager. All I have is a reference number # XXXX. <P/>As of XX/XX/XXXX I have confirmation from the branch manager who also happens to be the Assistant Vice President of the XXXX XXXX Region XXXX XXXX ( XXXXXXXXXXXX XXXX ) that my money was never liquidated from this account and that Wells Fargo is in fact in possession of my {$1500.00} cash. <P/>Because I am not a Wells Fargo customer and this was a cash deposit, XXXX has told me Wells will not give me back my money and has told me to go to the police. I told him I already filed a police report. I inquired how the police are supposed to help me get back my money if it is in the possession of Wells Fargo. There is video evidence and a receipt proving I was the one who deposited the money. <P/>This is two months worth of rent money that I really badly need. I am a victim of a scam and I need Wells Fargo to do the right thing and return my money to me. <P/>I was never contacted as the victim of a scam and am now being told I am not entitled to getting my money back. My only communication with Wells Fargo has been through the branch manager XXXX.
I have a company by the name of XXXX XXXX attempting to collect on a debt ( s ) that arent mine and that Im not aware of. I went on the website and theyre 2 different accounts listed for me that I have no knowledge of ever having. One is for XXXX XXXX through a XXXX XXXX and trust and for a XXXX XXXX XXXX. One reports on my credit report and the other one does not. This is an error. The amount reported is {$710.00} and last reported on XX/XX/XXXX. Also theyre are payments that are listed on the website for XXXX XXXX for XX/XX/XXXX for 2 different amounts, one for {$55.00} and one for {$69.00}, neither of which were paid by me. I need some validation and for these accounts to be closed and removed from my report because they do not belong to me and I have had no communication from this company regarding this matter.
In XX/XX/XXXX we were struggling with our mortgage payments on our XXXX mortgage with citibank and we were underwater. They were offering loan modifications so we signed up. We had been in the house for 35 years and wanted to stay. That process of loan modification began a 2 year paperwork nightmare during which they told us to make {$1200.00} a month payments because that 's about what our future payments would be and we did. During the process they readily admitted they did not know exactly what they were doing. Eventually we were notified that our modified payments would be {$2200.00} a month, which is {$100.00} less than we had been paying before we started the modification process. The girl from citi actually said " Whoops! Guess we got that wrong! '' In addition, they applied back interest so instead of owing XXXX we now had a mortgage of if memory serves {$230000.00}. They agreed to a short sale but would not modify our mortgage to {$170000.00} and let us keep the house. We let it fall into foreclosure and citi sold it for {$80000.00} since it had fallen into disrepair, a couple of years later to a house flipper. At the very end they transferred our mortgage to XXXX who tried to collect money from us.but somehow citi was still the bank that foreclosed. The house flipper spent about {$20000.00} to refurbish and sold it some poor unsuspecting person for {$400000.00}, more than {$50000.00} above appraised value. Citi ruined our lives by stringing us along for two years thinking we could keep our house with a loan modification and then making it impossible. It ruined our lives and we will never recover because at the time we were already into retirement age and now we are in our XXXX. I knew we were scammed but I could n't prove and still ca n't because I do n't know what went on behind the scenes. I suspects their confused and untrained representatives stuffed and maybe destroyed documents they had no idea what to do with. It is now XX/XX/XXXX and I have only now been able to rise above the devastation enough to put into words what little I know about what happened to us.If citi had been honest instead of stringing us along for years, we could have sold the house and walked away with, probably with no profit but at least without suffering forclosure and bankruptcy.
This account has been reporting on my credit for the past 7 years, and it should be deleted based on the time, has been reporting. At the time I am trying to buy a house for my little son and my wife, and this makes it hard since it should be deleted based on the law.
They have called several times, saying they were collectors for a payday loan with XXXX XXXX XXXX XXXX XXXX, and then with a company in XXXX XXXX 's " group ''. They threaten to sue, etc. Our client filed Bankruptcy ( chapter XXXX ) and got his discharge, so we called the phone number and told them, they said they would remove the claim. Then they started calling him again. The attorney called and as soon as he said he was the attorney, they hung up on him, he called back, they put him on hold, and hung up on him. We have talked to XXXX XXXX and they say it is not anyone from their collections department or anyone they have hired to handle their debt collections. 
XXXX First Recovery XXXX
On  XXXX   XXXX ,  2017 , I received a letter dated  XXXX   XXXX ,  2017 , from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  attempting to collect an alleged debt which they claim I owed to Cap ital One Bank ( USA ), N.A.  The letter claimed that failure to dispute the debt within 30 days would result in an assumption that " the debt is valid ''.     On  XXXX   XXXX , 207, I sent to  XXXX    XXXX   XXXX   XXXX  , via Certified Mail Return Receipt Requested, a letter demanding strict proof in the form of my actual signature on an application for credit and/or an agreement for credit. The letter was delivered to  XXXX   XXXX   XXXX  ,  XXXX   .  on  XXXX   XXXX ,  2017 .     On  XXXX   XXXX ,  2017 ,  XXXX   XXXX   XXXX   ,   XXXX   .  sent me a letter stating that they had " not had sufficient time to investigate this matter and were unable to verify the debt at this time. '' That letter arrived  XXXX   XXXX ,  2017 .     On  XXXX   XXXX ,  2017 , I pulled each of my  XXXX  credit reports and noticed that the alleged debt had not been marked as " disputed '' under the requirements of the Fair Debt Collection Practices Act and Fair Credit Reporting Act, as well as the laws of the State of Texas.
I have disputed the following accounts month after month and the 3 major bureaus investigation concluded that accounts has been verified. Verified by who, when, where. And where is the physical documentation of these findings. I'm requesting the Method Of Verification as my right via FCRA. The following accounts are ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, {$760.00}, ( 3 ) XXXX XXXX, {$150.00}, ( 4 ) XXXX XXXX, {$56.00}, ( 5 ) XXXX XXXX XXXX, {$510.00}, ( 6 )  XXXX XXXX XXXX, {$32.00}, ( 7 ) XXXX XXXX XXXX, {$53.00}, ( 8 ) XXXX XXXX XXXX, {$29.00}
On an automatic debit payment plan, Chase Slate credit card will only allow consumers to pay the minimum balance and or the total balance. Therefore this causes the consumer to have to log into the account monthly to pay any other balance. This causes an inconvenience to the consumer by not taking advantage of current day technology. When consumers due not adjust payments, Chase gets the benefit of the accruing interest.
How can the hospital and credit collection agency charge exorbitant amount for a XXXX XXXX XXXX, submit a collection and charge off to my credit bureau without ever email me a bill in my name? The cash price at the hospital for treating this was quoted to us as {$100.00}. Original bill was {$740.00}, now trying to collect over {$1600.00} ( 227 % of original bill )? Seems unfair and violation of the fair credit reporting act! 

RE : XXXX XXXX XXXX XXXX Account # XXXX For XXXX XXXX performed on XXXX XXXX XXXX on XXXX XXXX was a minor at the time of service Debt Assigned to : Collection Consultants of California Reference # XXXX To whom it may concern, We would like to resolve this medical bill and have it removed from our credit report issued as a collection and charge off to XXXX XXXX and later in late XXXX to me, XXXX XXXX. 

Our son XXXX was XXXX XXXX XXXX XXXX during a basketball game in XXXX, CA on XX/XX/XXXX. 
His cut was under XXXX XXXX below his XXXX and less than an XXXX in length. We took him to the closest hospital after his game to see if he needed XXXX. At the time of this service, we were asked if we wanted to pay cash {$100.00} or if we wanted to bill it to our insurance. We gave our insurance card and also paid the {$100.00} which was most likely for the deductible for insurance. 

The cut required no XXXX, it was wiped clean, dressed with derma-bond ( glue ) and dressed with a butterfly band aid. No further medical attention was given. 

We were shocked to receive a bill for an additional {$740.00} dollars and to see that our XXXX XXXX insurance was also billed for {$650.00}. We called the hospital several times to see if we could get the bill lowered and were expecting to be notified via mail that there would be a substantial discount. Instead, the bill was sent to the above mentioned collection agency for {$790.00} and then subsequently raised to {$1100.00}. 

On XX/XX/XXXX, I called the above collection agency and they stated with interest, it would now be {$1600.00} to have it removed from our credit report. 

We would like to ask that this bill either be : 1 ) Credited 100 % and removed from our credit report since there was already {$750.00} paid in total to the hospital in XXXX. 

or 2 ) Substantially reduced to a small amount for us to pay and have it removed from our credit report. 

To help resolve this issue we are also copying : XXXX XXXX XXXX XXXX XXXX California Medical Association - Institute for Medical Quality > Consumer Finance Protection Bureau > Medical Billing  Advocates of America > The Joint Commission > The Medical Board of California > California Insurance Commissioner Hopefully we can resolve this quickly. Thank you. 

Best Regards, XXXX XXXX - Father of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX
XXXX XXXX 2017 My credit history was involved in the recent Equifax Security Breach. The potential impact of identity theft and duration of impact is unknown at this time. Services which we do not have a choice of being involved with should be held to high security standards.
The company waited over a month before informing consumers, and their " help '' website is not secure either.
About 5 years ago I tried to clear up some inaccuracies on my credit report due to someone using my information and obtaining credit cards and such. XXXX and XXXX no longer has the information on file. I was just approved for a car loan and went to finish paperwork and then was told my information did n't match, so I went on line to get my reports. XXXX has 2 addresses I 've never lived before AND there is a credit card with a $ 13k+ limit that I have no knowledge of. It says I am a joint holder with a XXXX XXXX XXXX. That $ XXXX would have been my new car!!!! 
I have never known anyone by this name in my life. I am assuming one of the two addresses that are incorrect must belong to him. I have no knowledge of this person and have never had knowledge of him. The only way I found this information was by looking at my XXXX Credit Report. I called Barclay 's Bank of Delaware and they only wanted to remove the information. I want more than removal. I want this person to pay for using my information and being allowed to gain access to funds that I now can not to buy a car I desperately need!!!!!
To whom it my concern, i'm writing in regards to an account being reported on my credit report, the account being reported is missing numbers, so i can't identify the account. I wrote XXXX XXXX and Equifax XX/XX/18 requested the contract with my signature and any other proof that binds me to this item and even so, that it's in their right to collect on this item being reported and their response was that they verified that the item belongs to me, i've yet to receive the contract with my signature as proof, i also ask that this item be removed or deleted if a contract can not be provided. The account in question is reported as # XXXX
I reached out to Credit Central LLC in XXXX with a certified letter dated for XX/XX/XXXX. It was sent out a few days later. I received notification that it was signed for. They failed to respond to letter or even offer me any settlement offers on this account. This account has been on my credit report since XX/XX/XXXX, and I wanted to settle the debt for {$92.00}. Thee original balance on this account was {$180.00}. 
According to me credit reports that I get faithfully ever month, shows them still reporting to my credit as of XX/XX/XXXX making my account a charge off/ charge off bad debt. 

Over the past when I have been dealing with Credit Central they would harass you for payments but the second an account gets closed and you want to offer a settlement on the account they act as if they don't know who you are. I am the same person you took money from prior to this. Pretty much this company is refusing to settle a debt. They rather jeopardize someone credit then try to let the consumer correct the issue.
equifax has refused to remove the word repossson even though the other two reporting agency has removed it it can not be both ways this will be the last complaint for this issue because to remove the word reposseon i will take them to court i didnt ask if the balance was XXXX that wasnt the complaint they either put it as paid only or it court their call
On XX/XX/XXXX, a phone call from the number XXXX XXXX XXXX, a woman says she is form CITIBANK, without the verification of the identification of the phone-caller, she asked me about my mother 's work. I replied her that My mother works for the government in XXXX and I could not tell you the detail now, I need to ask my mom, and we met an agreement that she can give me a phone call later in the next day. They didn't call me later at all and list my mom as dangerous person, then they locked my account ( debit and credit ) without informing me, which is unreasonable. I am angry! The CITIBANK CHECKING ACCOUNT is the only one I have in US and I am on my road trip, I couldn't even fuel my car.

Yesterday I have already replied them and they tell me there should be another 4 business days to process it. I have more than 17 thousands dollar in my account and I could not do anything including pay for my CITIBANK CREDIT CARD, AND THEY WILL CHARGING ME IF I DIDN'T PAY IN TIME. 

There should be not rights for them to ask my privacy such as my mom 's work. It's very nice to agree CITIBANK to give them my mother 's working information.They not only collect my information illegally but locked my account illegally. 

If The CITIBANK just want to collect my information, why don't they give me a phone call first and then give me an email or a URL to fill-out a form at the beginning? That would be clear if you really want my information in detail.