WillisBack/dataset-financial-user-claim huggingface dataset:
I sent the following letter over a month ago and got no response. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/17 To : STATE FARM BANK ATTN : CEDIT REPORTING XXXX XXXX XXXX XXXX, IL XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 

STATE FARM BANK, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for STATE FARM BANK to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate and the original document showing my hand written signature! 

Failure to substantiate the claim, please settle account immediately within the next thirty days. 

Sincerely, XXXX XXXX XXXX
I have submitted several request to Equifax, XXXX XXXX XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.
I have a car loan I paid on time for a full year and a half, I had to go on fmla from work for 3 months because my daughter was hospitalized resulting in me not getting paid for 3 months. The loan agency would not help in anyway for making lower payments but they let me making minimum payments every week of XXXX which is hard to do when you 're not getting paid but I managed. I went back to work and started catching up on the payments but I 'm currently still passed due because I 'm trying to catch up on the car payment and rent as well. I explained this all to the original lady that I was working with and the agreement was as long as I 'm making active payments they would not take the car. I 'm now having 3 different people contacting me via email and phone all at the same on regards to this account. They are not relying messages to each other. Today while I was on the phone with one collector I had the other person email me that he put my car up for repossession when the lady I was on the phone with reassured me that I was fine. I made a payment on the 4th of XXXX and today I had one email me that they need another payment immediately because they can no longer continue this way. It has n't even been 3 days since I made one payment and I had already scheduled a payment on the 4th as well for XXXX for the 15th which would then put my passed due payment at XXXX which is less then the monthly car note which is XXXX. Every week I get a message that I 'm on the verge of a repossession when I 'm making payments and staying in contact with them. I work XXXX to XXXX XXXX which is the time they try to contact me and I can not contact them back which I 've told them but if I do n't contact them right away they state they are putting my car for repossession.
I had a service with XXXX from XXXX to XXXX. I close everything down, returned the equipment and paid off what they told me what I owe and what was on the bill and that was it. I never heard anything from them until XXXX when I saw that they were on my credit report. They never sent me any notice ( s ) or anything for over 2 yrs. I started cleaning up my credit report in XXXX to my buy my home and I took care of everybody that was on my report and they were not there. In XXXX of XXXX, I moved and I was just checking my credit report in XXXX I saw Southwest collection for XXXX and called them and ask them what this was about and they said that I owed XXXX {$120.00} from XXXX. I told them that I paid what I owed and they said I did n't. I asked to show proof, they could n't, they said they would have to go into records to find the bill. They ask to send it to me and I gave them my current address and sent me a bill. I looked in my old bank account where I paid off XXXX with the last payment of {$30.00}. Also I see on the bill that they charged me for service XXXX and XXXX when I shut it off in XXXX. I told them that I paid everything, but they insist on saying that I owe them. I 've sent 2 disputes, one to XXXX ( they did nothing and are now re- investigating XXXX and XXXX just got rid of it because they 're in violation of fair credit reporting by not XXXX notifying me of the debt XXXX trying to collect on a debt that is over 2 yrs old and 3. putting it on my report without giving any kind of notice. I just recently talked with Southwest ( because they keep calling here ) and told them they were in violation and the guy said they could do whatever they wanted to do. Also they said they sent a notice in XXXX to an address that I live at in XXXX Please fix this and have them dismiss the debt and remove it from my report. Thanks P.S. I have bank statements showing what I paid, but having problems getting them. ( it is almost 3yrs ago ) I can get them if necessary.
I received a notice of an escrow shortage from ocwen for {$950.00}. I sent them a check waited, called them nothinghappened. So I sent another check thinking maybe thefirst XXXX got lost. Again nothing happened. Finallygot a hold of someone they said they have both checksand the first XXXX is being processed. Still nothing. Its been XXXX. I have a check for {$950.00} that I have no idea if whenor if it will be cashed. They do n't answer emails their callcenter is in XXXX and are no help at all. On top of thatmy last payment which they got a day before the due datethey applied to principle and not the payment due then theysaid I was late on my payment. I have never been latepaying them. They just had to pay XXXX dollars fordoing this kind of thing and they are still doing it. Willanyone do anything to stop them?
Loan Servicer has changed address to send payments to without informing me causing payment processing problems, for which servicer is attempting to blame me. 
Loan servicer has improperly reported me to credit bureaus as late or delinquent when this is not the case. 
I am presently current in my payments per loan agreement, but Servicer continues to harrass me.
I sent this letter to Capital One disputing the account listed below and another capital one account which was opened on my behalf but not by me. Capital One sent me a letter stating the account was fraud, it only included one account they both are fraud and should be removed from my credit file. I attached the letter from Capital One. XXXX XXXX XXXX, NJ, XXXX SSN : XXXX | DOB : XX/XX/1984 This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. Name of Account : Capital One Account Number:XXXX Provide Physical Proof of Verification : Unverified Account
In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his XXXX XXXX Income taxes. When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the XXXX XXXX XXXX XXXX to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the State of XXXX directly in order to do so. However, XXXX XXXX XXXX XXXX informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.
The bank did not validate this debt based on the FCRA. I do not owe the alleged debt.
Near the end of my lease at XXXX XXXX of XXXX, I went into Honda to see how much it would cost me to finish off my lease. At the time they told me that I would need to get an inspection. I took it to XXXX XXXX XXXX to get my end of lease inspection. Upon the inspection I was asked by XXXX XXXX of Honda if I wanted to " sell my car to XXXX XXXX  XXXX to avoid any other fees ''. I said yes and was told that with my signature, the car and any leftover payments were no longer my responsibility. At that time, I asked about the turn-in fee that they are now trying to hold me for. I was told by XXXX XXXX XXXX that " you will not be charged this fee, because you did not turn in the car, It was sold to Honda. '' I then checked my account a few weeks later and saw that I was being charged the XXXX fee that I was told I would not be charged. I called XXXX and he said " do n't pay it and have them call me '' Which I did. After days of phone tag I was told that they were mistaken and that I owed the fee. If I had known this I would have paid it immediately as I had the money at the time. Now, I do not and feel like I am being given the runaround and being taken advantage of. I have since sent several letters about this matter that have been completely ignored by American Honda Finance. I have also been told in a letter that my account has been charged off and will be sent to a collection agency.
Back in XX/XX/2015 I had a conversation with a representative to agree to allow me to settle this account and once I pay the XXXX on the promise to pay date they will FORGIVE the remaining portion ; considered my account as settled ; adjust their records to reflect the settlement ; settled for less than full balance. 

Santander DID NOT do any of these statements per promised. 
They are still reporting this as a DERAGOTORY and as a CHARGE-OFF which they stated in these documentations that they will FORGIVE all balances once I pay the required amount. 
( Please review documents I sent to verify these statements please )
I applied online for a loan with Rise Credit on Monday, XXXX XXXX, 2015. At the end of the application process, it stated that I needed to provide additional information and was given a list of additional documents that were needed. I provided the following documents : copy of driver 's license, social security, XXXX award letter and 2015 XXXX. After I submitted the documents, I kept getting emails from the company stating I needed to submit additional information. I had to submit my social security card twice, and the XXXX award letter. Then on Wednesday, XXXX XXXX, I received an email from the company that all my documents had been received and I would have a decision that day. As the end of the day approached and I had not received a decision, I contacted the company again to see what the status was. I was told that my documents were in the reviewer 's inbox and it would probably be the next day before a decision could be made. On Thursday and again today ( Friday ), I contacted the company for the status again and was told no decision had been made and that it would be another day. I was also told on Thursday that after 10 days the application would automatically be cancelled if no decision was rendered.
In XX/XX/XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XX/XX/XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XX/XX/XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now XX/XX/XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of XXXX ( XXXX ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XX/XX/XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.
1. The property was purchased on XXXX XXXX, XX/XX/XXXX2. An escrow account was setup and paid in full for the XXXX year. 
3. Chase purchased the mortgage from XXXX XXXX in XXXX of XXXX. 
4. Chase was pulling from the escrow account every month to pay for insurance, mortgage insurance, and taxes. 
5. In XXXX XXXX, Chase paid the insurance and taxes on the property causing our escrow amount to be in the negative. 
6. We received a letter of deficiency in our escrow account. 
7. We called Chase to inquire and pay off the deficiency. We were told the deficiency in the escrow account was from taxes owed in arrears from XXXX, we did not own the property until XXXX XXXX. 
8. We were allowed to pay the deficiency, but our mortgage payment still increased. 
9. When asked why the mortgage payment was still increasing if we paid the tax deficiency we were told because there is a second deficiency for XXXX. We asked to pay that deficiency in full as well to keep the mortgage payment at the same amount. 
10. We were told that we could not pay the XXXX deficiency. 
11. We asked to see the closing documents that Chase had received from XXXX. 
12. No where in the documents that Chase received from XXXX XXXX does it show taxes being owed in arrears from XXXX. Additionally, when we purchased the property, it was determined all taxes were paid to date on the property.
I have an account on Coinbase, which I use to invest in bitcoin. I have been using Coinbase since XX/XX/XXXX. Since XX/XX/XXXX, I have been unable to make any transactions, including selling my bitcoin. The message I get when I try to sell is that I need to first verify my identity. This has never been a problem in the past using coinbase, so I 'm confused as to why they need this now. When I go to verify my identity, I put in all the correct information and coinbase says they can not verify my identity. This basically means that I am locked out of the funds that belong to me. I first reached out by submitting a support ticket on their website on XX/XX/XXXX. Their response the next day was some generic message about trying to format my apartment number differently or using my legal name instead of a nickname, etc. I responded saying this was not the issue, as there really is n't any other way to format the information I 've given them on the identity verification page. I have heard nothing since then. I also reached out to their support XX/XX/XXXXpage on XX/XX/XXXX and have received no response. I also have made multiple calls over multiple days to their support line, and all I get is an automated message saying their support line is too busy to take my call and they hang up on me. With how volatile the price of bitcoin is, I 've lost hundreds of dollars because I am unable to make transactions. I want to cash out and never use their service again, but I am being blocked from my own funds. They have ignored my repeated attempts to even get into contact with someone from their support team for a week now.
This mortgage company is failing to apply funds submitted as " principal '' in an attempt to collect additional interest on the loan. 
Approximately 5 months ago ( XX/XX/XXXX/XX/XX/XXXX ) my mortgage with XXXX was sold to Nationstar/Mr. Cooper and I 've had nothing but issues with the company. I began making payments to NationStar/Mr. Cooper and immediately they were not applying funds as I indicated on their payment website. Instead of processing my loan payments as I indicated on their website with the monthly mortgage amount PLUS additional principal. They processed the funds without applying any additional money going to PRINCIPAL. Any additional amount I indicated as PRINCIPAL was held by the company as " UNAPPLIED FUNDS ''. On XX/XX/XXXX I spoke to a service representative and I explained that their company was changing the terms of my loan by not allowing me to make additional principal payments along with my monthly mortgage .It indicates on they website anyone could make additional principal payments just by adding the amount to my monthly mortgage. My previous mortgage holder " XXXX '' did this without issue. 
I was told if I wanted to make additional principal payments with my monthly mortgage I must call. The issue is they are intentionally making it difficult to pay off the mortgage with this practice, hoping that customers will just " give up '' attempting to payoff their mortgage early. Phone wait times, confusing and inaccurate explanations that do n't make sense is STANDARD. I do n't want any special treatment from my mortgage company. What I do want is to be able to go online to their ( Mr.Cooper ) website, make my monthly mortgage payment plus ANY additional PRINCIPAL or ESCROW payment I 'd like to add. Mr. Cooper Mortgage 's practice is stealing thousands of dollars from their customers /changing the terms of the loans and is intentionally making it difficult to payoff a mortgage early. This practice allows Mr. Cooper to receive additional interest payments over the life of the loan and should be stopped. 
Additionally, on XX/XX/XXXX I made another mortgage payment and I indicated ( on their website payment page ) I wanted an additional amount to be applied to principal.. On XX/XX/XXXX I visited their website and checked my payment summary. Again, they DID NOT apply the additional funds to principal as I indicated. I phoned Nationstar/Mr. Cooper on XX/XX/XXXX and spoke to their service rep " XXXX ''. She offered no plausible explanation however, she stated she would immediately correct the issue, and promptly send me an email confirming the corrective action taken. Today XX/XX/XXXX I again checked the summary of my account and the issue had NOT been corrected.
PayPal had limited my account last year and I had filed a complaint with CPFB, to which PayPal had responded. In such CPFB case Case number : XXXX, XXXX XXXX ( PayPal Operations Counsel ) had mentioned that my funds would become available on XXXX XXXX, 2015 ( 90 days from last payment ). However, as of today XXXX XXXX, I 'm not able to withdraw the funds. I contacted PayPal personnel and customer service several times and requested them to resolve this, and even provided them a copy of this letter. However, they refused to help me in violation of XXXX XXXX ' promise and commitment. They told me that his promise and word does not hold any value, and PayPal 's generic policy is superior to his promise/written commitment. They informed me that XXXX XXXX did not notate my PayPal account ( XXXX ) so that the funds could be released on such date, and I do n't know why. I ask XXXX XXXX to correct this and make my funds available to me as promised. A copy of his previous letter is attached herewith.
Called Transunion on XXXX XXXX, 2017 and talked to the XXXX, XXXX XXXX. I told him that there are credit inquiries on my report that were re-added to my report. I know that Transunion had a computer problem, but they were removed by their company. I told him that I was aware of the 2 separate " glitches '' that occurred with Transunion that removed them. I told him that I was NOT notified within 5 days prior to then being re-added to my credit report. He told me that I was not affected by their glitches and he would not remove them from my report. I explained that these inquiries are adding a hardship and that I feel my rights were violated. I have been victimized by Transunion for a mistake that THEY made. I am asking for your help to make Transunion delete these inquiries permanently from my Transunion credit report ( as a violation took place when they illegally re-added them ).
Several months ago, I discovered an open account in Collections on my XXXX credit report. This was an account listed by Focus Receivables Management of XXXX, GA, in the amount of {$110.00}. Upon contacting them, they had stated this account no longer resided with them, and I needed to contact the original debt requester, XXXX, in order to settle it. 

After doing so and closing out any and all remaining Collections accounts with XXXX, and additionally confirming that I owe no further debt to them with a representative of theirs over the phone today, I noticed that this is still listed on my credit report. 

I contacted Focus Receivables several months ago to question this, and they stated that it was simply an error and would " fall off '' my report in 30-60 days. It has not, and upon contacting them again today, I was told the first time that the representative would need to " request her manager send a Delete Request to the Credit Bureau, but that she was currently busy and to try back later ''. Upon calling them a second time today, I was subsequently told that everyone in that department was in a meeting, and to again try back later. 

Upon further research I discovered a litany of complaints, poor reviews and suggested illegal activity surrounding this company on multiple sites, and additionally discovered they are not accredited by the XXXX. 

At this time I would like to file a complaint in order to have this erroneous information removed from my credit report, as I have done my due diligence in attempting to clear this up with Focus Receivables on my own.