WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : This letter is in response to your recent claim regarding Account ending in XXXX for a credit card, which you claim I owe XXXX. 
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 Attorney 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
On XXXX XXXX of XXXX, I mistakenly sent a payment to an American Express credit card that has been closed since XXXX. The account with American Express was negotiated and settled for less than the amount owed through a court-approved judgment. I had made all payments as agreed to and satisfaction of the agreement was filed with the court. My account was closed and reported to the Credit Bureau as such with XXXX balance. 

I accidentally sent a {$3000.00} payment to this closed American Express card as it used to be my XXXX branded card. By mistake or an online glitch, the payment was to be sent to my current XXXX XXXX credit card. When I did not see the payment credit after two weeks, I realized the issue. 

I contact AMEX on XXXX XXXX, XXXX, to return my {$3000.00}. They acknowledged receiving the monies and acknowledged it was received against a settled and closed account. They promised to send a check back to me in the mail and took my bank information in case they would prefer to wire the money back. 

On XXXX XXXX, XXXX, I called AMEX and got transferred to 7 different individuals where the last customer service guy, clearly speaking to me from XXXX, informed me that AMEX will not return my money back. Their excuse is that I voluntarily sent the money to them and they are not obligated to send it back to me. This is, of course, unacceptable for many reasons : 1 ) We have a negotiated and completed settlement agreement filed and executed with the court 2 ) AMEX attempted to deny receiving my payments in the past and garnished my account. I sued them and reversed the judgment as I proved they had received all payment. An application to remove judgment was filed by AMEX 3 ) My credit Bureaus report " AMEX account Closed '', " Charged Off '', " XXXX Balance '' 4 ) AMEX has already received a tax credit against this charge off. My tax dollars were utilized with the charge off 5 ) Why would I ever spend {$3000.00} to an already closed and charged off account.
6 ) How could a Multi-Billion dollar in quarterly profits company like American Express take advantage of a struggling consumer like I am is beyond any moral, corporate, social or ethical protocols?
Not mine inquires/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
On XX/XX/XXXX my credit report was access by XXXX XXXX XXXX  for the purposes of mortgage with my consent I however do not agree with the XXXX report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XXXX/XXXX/XXXX in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score
In short, I paid off my car over a year ago and RBS Citizens has not submitted the paper work to the state to release the lien on my car. I go for a copy of my title and the State is telling me that there is a lien on my vehicle. I call RBS Citizens and they tell me that I have to pay to have a copy of the lien release letter sent to the state. They also claim that they sent the release letter to the state and they have n't sent it. Neither have they sent me a copy of my title.
I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.
XXXX XXXX falsely reported a late payment on my mortgage after changing my billing in mid bill cycle during an escrow analysis. They increased by mortgage by XXXX in the middle the month and demanded a payment of that amount without my knowledge of the change until the night it was due. I called and they agreed it was a problem and that they would work on readjusting the payment and that this would not affect my credit, they also tried to get me to do loan modifications etc, and refinance while I waited. They adjusted the payment to a mere XXXX my previous payment, which I promptly paid. They then reported me for month that they changed my mortgage as being late even thought they told me they were changing the payment and that this would not happen several times on the phone. I was not interested in waiting around for a refinance, i just wanted to figure out a way to sell the house and get away from it and make my payments. They tried levying insurance on property that I did not need to add extra bills as well. They could never explain the escrow analysis and why they tried to destroy my credit and lied. TransUnion did not do a good job of looking at the facts and the evidence. They should immediately remove this. I am not alone, this is a practice that has affected XXXX XXXX customers. I never pay my mortgage late in 10 years. They are predators. Transition should practice better due diligence and look further into the documentation sent by consumers,
XXXX is on my credit that that was originally opened like in XX/XX/XXXX maybe, nonetheless, CREDCO bought the acct in XX/XX/XXXX and it should be out of credit report
My wife and I applied to refinance our mortgage with the lender that had the mortgage. We were conditionally approved with an interest rate on a 15 year mortgage. We submitted documents as requested. It took a lot of time from the lender to process the documents. As a result of slow response from lender, the lender requested additional documents which required additional time and effort to produce that did not reveal any negative information. The straw that broke the camel 's back, after several months, was the lender requesting tax returns for separate entities that we did not receive compensation from. Since our annual income was consistence and 80 % of the amount of the loan request, I refused to produce the tax returns because the entities were listed in the XXXX schedules of our personal tax returns. I believe that we were discriminated due to age since all of our income is retirement income.
I have been paying my mortgage to in PITI for years. My monthly Mortgage ( PITI ) has been XXXX the past 2 years. 
It is my right as a mortgagee to pay any escrow shortage rather than accept any rate increase. The Principle and Interest amount is fixed and is only subject to amortization.The only change in amount due is based on an Insurance increase or a tax increase. If either or both should happen, it is the mortgage company responsibility to notify me of an rate change. They have not. 
If there is an anticipated shortage in the escrow the mortgage bank by law is required to notify me of the shortage. Then I have the option to send a check for the shortage amount or accept a rate increase. 
I have always sent in any needed escrow shortage and reject a payment increase. Wells Fargo is attempting to take away my option by forcing me to accept a payment increase. They have not sent me any escrow shortage notice. My principle and interest payment remain fix. Wells Fargo is now taking my monthly payments hostage and not applying it to the principle and interest and sending me late notices and threatening me with foreclosure.
In my credit report it shows 2 late payment to my mortgage company ( XXXX ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under USERRA law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.
On XX/XX/XXXX, I purchased my current house through XXXX Mortgage INC. I put down 25 % down payment on my house ( That 's why I paid ESCROW by myself and I have all the tax payment receipts ). In XX/XX/XXXX, XXXX sold the mortgage to the PennyMac, On XX/XX/XXXX, PennyMac send me an notice that I have been shortage on my ESCROW account for {$5200.00}. My complaint is why do I have to pay the shortage account to the PennyMac when I pay all the tax by myself?
Holloway Credit Solutions left a detailed message on my work voice mail mentioning me and a debt I owed. I want them to stop. I thought this was not legal? I sent them a letter of asking what this was for with no answer.
XX/XX/XXXX my bank XXXX XXXX XXXX   sent a XXXX check to XXXX XXXX XXXX XXXX electronically. They never did get it. On XX/XX/XXXX it was cashed at a PNC Bank. Neither XXXX XXXX nor I have an account there now or in the past. I spoke with my bank and they have conducted a fraud/electronic foul play investigation and have reported that it did not happen. I called PNC Bank and because I don't have an account there they could not talk to me about it. They referred me back to my bank and tell them they must inquire about it. My bank is currently working on a ( source of receipt ). When I reported it to my bank she said it would take 60-90 days before PNC respond. She also told me that there are no laws that say PNC has to respond within that time frame. 
It was the last of my money and in my eyes they deliberately, intentionally and willfully stole money from me based upon they had no account to deposit it into.
I had a catastrophic illness that permanently XXXX me. I lost my job and the bank said they would foreclose on my house in XXXX days. My daughter and I were both on the loan for the house as co-owners. This was our first home. Then we, XXXX at a time we declared bankruptcies and left the home. Never giving us a reason why PNC bank kept delaying the foreclosure for over XXXX years. Then in XXXX we were jointly sued in small claims for the HOA fees of XXXX of the HOA 's. The third HOA was the monthly fees and they filed a lien against the house. We do n't know if they recieved their fees from the final sale of the home on XXXX/XXXX/2014 when the title was finally transferred. We tried for years to get them to do a deed in lieu sign off but they would not do that. The Judge-XXXX at the small claims case, would barely hear our testimony and of course judged in their favor. The HOA did not bring ANY documents to prove the amounts of charged services. The judge said we should trust this lady to send us copies of all the amounts charged since the judge saw her all the time and knows she is reliable. We still have not received a thing and it 's been three weeks. Now the Small Claims court says we owe thousands of dollars on a house for HOA fees on a house that we were told to leave by the bank. We did leave. We would like to to know if this is legal what they did. Can we sue PNC for not foreclosing for over XXXX years because they did n't want to pay the HOA FEES? Should we appeal the small claim judgement?
I obtained a mortgage loan with JG Wentworth in XXXX 2016. I made a payment in XXXX, with an additional amount not be credited to Principal. The loan was transferred to XXXX with the first payment ( XXXX ) showing as being paid, but missing the Principal payment. When contacted, they stated that it would take up to 60 days to transfer the additional principal. I do n't feel that 60 days is a reasonable amount of time, since they were able to correctly apply and transfer the payment that was made in the same transaction.
1. A letter from me to Central Financial Control dated XX/XX/XXXX ; 2. An original of a sworn affidavit signed by me captioned as an Authorization For Release Of Personal And Medical Information And Records dated XX/XX/XXXX ; 3. A letter to me from XXXX XXXX of Central Financial Control dated XX/XX/XXXX ; 4. A letter to me from XXXX XXXX of Central Financial Control dated XX/XX/XXXX ; 5. A debt collection demand letter dated XX/XX/XXXX to me from Central Financial Control ; 6. A letter from me to Central Financial Control dated XX/XX/XXXX which contains as attachments the XX/XX/XXXX debt collection demand letters that I received ; 7. A letter from me to the Administrator of XXXX XXXX XXXX XXXX dated XX/XX/XXXX.
I recently went through a divorce and my credit and finances have suffered. Everytime I get a little bit ahead on my Citi-Bank credit card they drop my limit negatively effecting my credit utilization and debt/credit ratio. They've decreased my credit XXXX times in the last XXXX months and each time drop the limit almost exactly to the amount owed. I've tried to contact them about lowering the payment so that the finance charge won't push me over the limit but they've been very hostile and unwilling to work with me. I spoke with a representative in the credit department and he kept mentioning my accounts with other companies as the main factor and was using an outdated credit report.
On XX/XX/XXXX I checked XXXX XXXX information for my FICO credit score and they reported the following : XX/XX/XXXX FICO SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX FICO SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX On XX/XX/XXXX I made several telephone calls to Equifax after learning that Equifax was the custodian/owner of FICO and spoke with their representatives XXXX and later, I spoke with Adreana who transferred me to their FICO Department. I got an outgoing message ( with no options ) that referred me to telephone # XXXX. I called this number and was put into a telephone loop with an outgoing message and no options. 

With no options to speak with anyone and no automated options I telephoned the FTC in XXXX, IL and got an outgoing message that phone here ( XXXX ) is no longer in service. I checked ( on line ) and the only phone number listed for the FTC is in Washington, D.C. at XXXX which I called and only got an outgoing message. 

I then called CFPB at XXXX where I spoke with ( XXXX ) XXXX who advised me to file this complaint. 

I owe no one, have never been a day late on any financial obligations for over 50 years and have a personal net worth in the high six figure range. My FICO score appears to just be a number picked out of the air and is not based upon any valid credit information. I owe nothing to anyone!! 

The FICO score assigned to me is not accurate and no one appears accountable for this unfair information.
I received an email from a real estate agent yesterday indicating that my home is currently advertised with an active rescheduled mortgage foreclosure sheriffs sale date set for XXXX XXXX, 2018. I never received notice from Bayview Loan Servicing or XXXX XXXX XXXX XXXX XXXX about this rescheduled sheriffs sale. Also, although mortgage foreclosure prevention options have been requested numerous times by me and my attorney, Bayview has not communicated them. 
Resolution and mortgage foreclosure prevention action is urgently needed.
I made a payment in full on XX/XX/XXXX to Capital One for the Amount of {$2300.00} for a payment I had due on XX/XX/XXXX via my checking account. After doing so, I set up autopay using that same account. I got an email from them on the XXXX that there was another payment scheduled for the same amount, which I was not able to cancel online. I called customer service who was unable to do anything that same day and they asked me to contact my bank on next business day XX/XX/XXXX to see if they could reverse one of the transactions. I did so, but my bank charged me a fee of {$20.00}. I called Capital One that same day. The first representative was unhelpful and said that since it was a bank fee he would not reimburse me for that. I asked who a supervisor who also basically blamed me for the problem and was adamant they would not credit the account {$20.00} for their error.
I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations.

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
I have an account on my credit report listed as AFNI for XXXX XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for more than 8 years, yet AFNI has the date showing that the collection is from XX/XX/XXXX and now, after I disputed it, they have updated it to XX/XX/XXXX. The debt is not mine.
XXXX XXXX 2017 {$130.00} XXXX XXXX XXXX XXXX Sent a letter in the mail to my grandmothers address attempting to resolve a debt that DOES NOT BELONG TO ME! Ive been victim of ID Theft and have a similar name as my father and grandfather that Im estranged from. Remove this and the harassing calls ASAP!
I Originally disputed a bankruptcy appearing on my credit report with all 3 credit reporting agencies XXXX, XXXX  and Transunion back on XX/XX/XXXX. Obviously, this was filed under someone with the same name and appeared on my report but was an error.

XXXX deleted the file but it still remained on my XXXX   and TransUnion credit files.

Everytime I've disputed the results returned verified. I've recently requested validation of public record from furnisher of information regarding bankruptcy on XX/XX/XXXX. The furnisher is theXX/XX/XXXX District Federal Court,XX/XX/XXXX Division notXX/XX/XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify.

I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.
i received an alert on my credit report for a debt collection of  XXXX  for " City of  XXXX  '' I live in   XXXX     XXXX   and have  zero b usiness with the City of  XXXX  or Delaware. This is the firs tim hearing about this and I have  zero kn owledge of this debt and why its being reported to my credit bureaus. i dont owe for this and it is a mistake
This report is not the first filed, but it is the one that included communication with both Equifax and the bankruptcy court itself. 
In XX/XX/XXXX, I filed a request w/bank. Court to request Ch XXXX court fees be waived IF my husband and I decided to file bankruptcy due to the fact I had been laid off and was worried we would be late on mortgage on my homestead home. I had to file pro se due to financial problems. Clerk required me to fill out info regarding my husband and I in general, but no creditor info. I had no idea the form implied I was filing Ch XXXX for my husband and I. 
The request was granted to waive court costs, but I found I would get Unemployment for the layoff, so we decided not to seek protection from the Court. In addition, Citimortgage had removed my name from my homestead home mortgage and refused to put it back on, so I did n't think I would be able to get protection anyway, even though the home was my HOMESTEAD HOME for XXXX yrs total and I never had one late payment on it ( filing separate complaint ). 
Bankruptcy was ruled as " dismissed '' due to " other reasons '' as we did not respond to supplying ANY creditors or file any first notices. Neither my husband nor I even knew that we had bankruptcies listed on our reports until years later, at which point I began disputing them. 
The court listed XXXX bankruptcies on each of our reports only 15 days apart with XXXX separate case numbers both " dismissed ''. The credit reports listed XXXX and XXXX as the bankruptcy file numbers, a phone number that was no longer in service as the contact, and repeatedly said they verified the information with the Court through that number and that both were valid and refused to remove. 
I sent a letter to the bankruptcy court to dispute after calling several times and being told by the Trustee that it " was n't their problem ''. I received no response. I hired XXXX XXXX and currently XXXX to have these removed to no avail. 
These XXXX bankruptcies have been listed on both mine and my husband 's reports for over 7 years and have severely affected our credit and ability to get credit and they STILL refuse to remove either bankruptcy. We have n't been able to afford a lawyer and have n't been able to find any guidance on how to have them removed. In researching I found it is too late to appeal and I do n't know how to file a motion to vacate and I ca n't afford a lawyer. I feel the Court should have removed these the first time I disputed them XX/XX/XXXX when I first learned about them and disputed them, and that they should have ensured they were both removed from all three bureaus from both our reports. I NEED them removed now. We have paid for my mistake for long enough and the law states that if there is no evidence of unethical intent or attempt to defraud a creditor or delay a payment, the dismissal should be vacated or reversed. 
I have all supporting documentation regarding the facts above and will be happy to share it. Please email XXXXXXXXXXXX or call XXXX. 
Thank you in advance for your understanding and cooperation in this matter. 

Sincerely, XXXX and XXXX XXXX