WillisBack/dataset-financial-user-claim huggingface dataset:
Ace legal XXXXXXXXXXXX To Ace legal XXXX Today at XXXX LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS. 



SETTLEMENT AMOUNT - {$400.00} This email is in reference to notify you that you has been blacklisted ; your social security number and banking accounts are under investigation thru major credit bureau XXXX. You would be receiving the court papers at your mailing address as well as at employer place as you failed to make the payment as per the agreement. 



We are make an effort to several times to help you but you ca n't understand our concern so lastly here is you arrest warrant because your last chance is over is right now and we are not interested with you to resolve this matter so kindly do not waste our important and exigent time. 



We are sending your case file to our attorney as your outstanding balance has reached $ XXXX.We will also forward all your details to attorney regarding your negative approach towards your debt. In that a case you need to hire an attorney for yourself and we shall meet in the court house. 



Once its proved that you have taken loan than you have to pay the total outstanding balance as {$4500.00} inclusive all charges. 





One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan. 



Regards Ace Cash Services LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS. 



SETTLEMENT AMOUNT - {$400.00}
XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX XXXX. Equifax XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. account resolution services 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX  I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

Sincerely XXXX XXXX
Received disclosure notice dated XXXX/XXXX/XXXX from XXXX Mortgage. 
Continue to see that credit reporting agencies insist on reporting key factors that adversely affected my credit scores. A review of latest credit report does not support these adverse key factors. 
Credit Reporting Agencies continue to report inaccurate data to lender and/or financial institutions. As stated in previous complaints, key factors continue to be reported on disclosure as far back as XX/XX/XXXX. 
Complaint # XXXX ; XXXX ; and XXXX were sent on these very same issues. There are no serious delinquent accounts ; the number of accounts with delinquencies is XXXX ; Collection is currently being investigated. The number of inquiries has dropped to only XXXX for XXXX. XXXX has deleted XXXX inquiries per my letters requesting to remove. No responses to remove inquiries have been received from EQUIFAX.
My name is XXXX XXXX, I live in XXXX, Florida. I opened a credit card with Zales jewelry in XXXX. I was offered a 0 % rate so I took advantage of it. I received the first statement all was fine, no fees. Today I get home and I received a letter - dated XXXX/XXXX/2015!! Today!! - from the insurance department of Zales Corporation " congratulating '' me for enrolling in their balance protection insurance. So I checked my statement from this month and indeed there was now a {$2.00} fee, of course unspecified. 
I called the insurance department and they are closed of course. So I called the Zales card and they confirmed the insurance fee and that " the representative at the store probably did it without telling me and I apologize ''. This is unacceptable on so many different levels that I can not begin to list them all. 
I will call the insurance department tomorrow to get this absurd abuse cancelled and refunded, but this must be stopped at a higher level and hopefully you can do more than I can about this matter. 
You can email me at XXXXXXXXXXXX if necessary.
I filed a CFPB complaint # XXXX against XXXX XXXX bank for an outstanding negative balance in my account. I have not heard a response from XXXX XXXX within the 15 day window allotted by the CFPB. During this time of waiting for their response to my complaint. My account was turned over to a collection agency " Credit Collection Services. '' I am filing this complaint for CCS not doing a due diligence in checking my account standing with XXXX XXXX and my current complaint status with the CFPB.
In XXXX of 2017 Bank of America closed all of my checking and savings account due to fraudulent activity. Someone contacted me in reference to a loan the person or company deposited several strange checks into my account by accessing my online banking I had no idea this was being done until the day after I checked my account and was able to see the images of the checks. When I seen that they had other people 's names that I did not recognize on them and written out for things such as Rent and bills I called Bank of America immediately to find out what was going on. They informed me that they were going to investigate and find out how to this happened and where it came from. they never did contact me but when I did contact them to find out how the  investigation was going they told me they were deciding to close my accounts I assumed it was for my protection being that this person had my banking information. Now this year I later find out the account was closed based on fraud on my behalf I'm guessing since it is in my report, when I was the victim. I would like something to be done about this because it is reporting to other agencies as if I have committed acts of fraud which I have never been a part of. Also I did have the feature to protect me from fraud attached to all of my accounts that I paid an additional fee for. This information should be reinvestigated and removed from my reports the information is false and defamation of my character.
On Wednesday XXXX XXXX, 2016 I completed a transaction with PayPal to send {$950.00} to my landlord to cover monthly rent and utilities. Within minutes ( less than 5 ) the transaction was cancelled by the receiving party. I went into my paypal account it did in fact show cancelled. Intuitively since it was done in such a short period of time, it reflected cancelled, and there were no further instructions offered by the paypal site I concluded this had been resolved and paid my landlord via a more desirable payment method. The following day on Thursday XXXX XXXX, 2016 I received notification from my financial institution that my account had been overdrawn. I went and looked at the transactions and paypal continued to charge my account. I immediately contacted paypal to dispute this transaction and was advised that " regardless of you or the receiving party choosing to cancel, paypal will still debt the account and transfer the funds to your paypal account. '' Nowhere did it explain this was the process nor did anything in my account indicate or lead me to do further research as cancelled was stamped on the transaction in red. Paypal refused to provide any customer support and advised I would have to wait 3 to 5 business days before the funds would reflect in my paypal account.
Please, I need assistance from this company. I am still being wrongly labeled as 30 days late by Macys and this information is being reported so inaccurately and so viciously against me. They are being very unfair to me and are refusing to rmeove the wrong reports claiming I was late. all of the credit reports have different and inaccurate infkrmtiuon being displayed and I am terribly sad and confused by what they are doing to my finial life. <P/>I was never late to make a payment! It is not my fault that my statements went missing and I called to speak to representatives who had helped me and promised me that the returned statements would not impact my credit score. I am a good person and I do not deserve this false and abusive treatment from Macy 's. They claim to have verified and updated everything with the bureaus but every bureau is showing different false information. One company is saying I have two 30 days late the other says I have one in XX/XX/XXXXand then XXXX says I was late in XX/XX/XXXX! <P/>I am so XXXX and upset and feeling absolutely neglected and lied to. How can Macy 's do this to me? I was never intentionally late and statements were missing and never seen or paid, UI called and complained and wanted all the fees reversed and I was assured this would not impact my credit report. So why has it? Why are they doing this to me? Why does every credit bureaus say something else and yet the accounts read FCRA verified? What was verified? How? Who verified this to whom? Why do costumers get tossed around like we do not matter!?
I notified Experian that this is a fraud account twice. I called on XXXX/XXXX/2015 to complained about there investigation with this fraud account from this collection company named XXXX XXXX Nv XXXX.Under Fair Credit Reporting Act, I should had been mail of any account in collection to be notified in writing about a collection account. I was n't notified of this collection account until my credit alert notified me of this collection. This account is identity theft and Experian only asked for basic information to this company like my name and date of birth. Any person can have that kind of information. I have asked for proof that this is my account, copies of social security, identification etc. collection companies are breaking laws and the credit bureaus are letting these company get away with this. This is not a duplicate
Despite numerous attempts to provid the proof of all insurance which is through XXXX the company is claiming that we have not provided he information. They are trying to make us pay for insurance coverage that they provide even though there has not been any gaps in our coverage.
I received a letter from Cawley & Bergmann LLC dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX/XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX or Cawley & Bergmann LLC. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?
I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
I am having a long running dispute with Seterus, Inc.. I have made several attempts to resolve not getting billing statements and double payments on tax and insurance impound/escrow account. I'm XXXX and don't have much time for the run around. Yes, we are currently late on the mortgage due to the above ( didn't get a billing statement after timely modification payments until XX/XX/XXXX - 3 months after last payment ). Now as of XX/XX/XXXX they have placed us in foreclosure. I have called twice and spoke with a XXXX and subsequently XXXX XXXX and XXXX XXXX and asked to be set-up on 2 month payment plan to bring the account current. The pat answer is that it's in foreclosure and we need the full amount - amazing. We are not talking a large loan - I believe we are at 15 % LTV and loan is $ 73,000+ only. I want to resolve the matter and need some time to make it current as I don't have single payment capability and what is 2 months? I'm very frustrated at the overall process and truly need someone to advocate for me in this situation.
Experian refuses to refund charges to my credit card for a membership I canceled 39 minutes after I was notified of it. They continued to bill my credit card for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even after I clearly rejected their membership on XXXX XXXX, 2016. They have denied my claim and my appeal saying I never canceled the membership. Hopefully the attachment showing the e-mail proves my case if it attached correctly. I understand I 'm not the only person having problems with Experian. I think this is how they make their money. They are not honest and upfront. They should be honest and explain in better detail what they are doing or trying to do behind your back. I never logged in or used their services in any way. I ignored all their e-mails and attempts to get me to log in or use their services.
We received a letter from Honda that said they would waive up to 3 remaining lease payments if we lease a new Honda. In XXXX 2016, my daughter and I went to the Honda dealership and worked through finding an AWD CRV to lease, which took time. The dealership was able to get a AWD CRV XX/XX/2016 and we leased the new vehicle. So, we returned the leased vehicle ( Civic ) to the dealership with my letter ( attached ) on the same day we leased the new vehicle. Everything went well with the return except they did not honor the waiver of the last 3 payments, Honda only waived two payments. When I called they said it was because the XXXX 2016 payment was delinquent ; however, this is the time we were working with the dealership to get a new leased vehicle and the letter does not reflect this would be a concern and I would have never let it go 30 days as my payments are due on the XXXX of the month. I believe the letter is deceptive because it does not mention about delinquency despite the fact that I was working with the dealership to get a new leased vehicle and I have always been current on my account and been a loyal and long Honda customer. The Honda Finance representative said she could do nothing to help me. So I had no choice but to pay the last payment and dispute this deceptive and frustrating situation. I also confirmed at the dealership with Honda Finance that my account was not delinquent and received a confirmation letter from Honda Finance ( see attached ), so none of my payments on this account has ever been late.
The company called and left my husband a message stating they were calling to collect a debt. When he returned the call they tried to get him to take care of the debt ( my personal student loan debt, he is by names or responsible for these loans ) and then continued to tell him how many loans they serviced and what the total amount owed was and how many days I was late. I never gave them permission to share that information with him.
My Mortgage lender lied to the court in a foreclosure proceeding. They stated to me, the borrower, that they were reviewing my loan modification request. Instead, every time I call the Mortgage Lender ( NationStar LLC ), I am transferred from representative to representative without getting an answer to the complaint filed with CFPB. 
In particular, NationStar LLC lied to the court in a foreclosure proceeding against our home and fraudulently obtained the title to my property. With the title on hand, Nationstar LLC sold my home to a third party without my knowledge. 
Since the law now protects innocent third parties, the judge decided to side with Nationstar LLC and we were given XXXX days to move out of our home. However, the third party buyer in this case is not an innocent home-buyer, it is a subsidiary of Nationstar LLC. In addition, NationStar was to provide a response to our initial complaint on this case and instead has filed frivolous paperwork with CFPB extending the deadline to file a response so that we are left with only one week to vacate the property. We have tried on various occasions to work out a loan repayment plan but NarionStar has refused to work with us. On XXXX XXXX, 2015, I called NationStar to request a response to our complaint. I spoke with XXXX customer service representatives and XXXX accounts resolutions specialist before I finally reached XXXX XXXX badge number XXXX ). I demanded a response to my complaint to which she read me the letter from NationStar dated XXXX/XXXX/2015. In that letter NationStar claims that they are reviewing my complaint and that the NEW deadline for them to send me a response is XXXX/XXXX/2015. Since we are " required '' to move out by XXXX/XXXX/2015, we will not have enough time to make arrangements with only XXXX days notice from their response. In the CFPB guidelines it states that the lender is to provide a response to our complaint within XXXX days. Clearly, NationStar LLC is evading their responsibility to answer our complaint. As of XXXX/XXXX/2015 I have not received a verbal or written response to my complaint from NationStar LLC. Again, I spoke to XXXX at Nation Star LLC. XXXX 's badge number is XXXX and her mailing address at NationStar LLC is XXXX XXXX XXXX XXXX, TX XXXX. The phone call was made at XXXX XXXX XXXX time.
We were victims of Portfolio Recovery Associates using deceptive tactics to collect a debt we do n't believe we owed. Fearful of being sued, we paid the alleged debt which we immediately regretted andwe filed a formal complaint ot the Maryland XXXX Office of the XXXX of XXXX XXXX. They recently sent us a letterinforming us that we may be eligible for a refund.
For several months now XXXX XXXX have been calling me and threatening me about a payday loan they stated I received. I recently called back on XX/XX/XXXX to get information and amount due but when I ask for further explanation or a supervisor the representative refuses to do as I ask then has actually hung up on me several times and I called backXX/XX/XXXX now when I call back the representative blocked my number I get a recording. I found their website and found a compliance manager email address and emailed him about this situation. I tried to call back and the representative will answer then place me on hold and never come back.
Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my Experian report, I disputed with XXXX and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with XXXX, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. XXXX Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.
PLEASE NOTE : TECHNICAL PROBLEMS WITH CFPB " DISPUTE '' SECTION -- " SUBMIT '' BUTTON DOES NOT WORK. 
RE : CFPB XXXX Dear CFPB, I tried to dispute Union Bank 's response to my initial complaint earlier this week. However, there are some technical problems with your " Dispute '' section/ '' Submit '' button. The bank partially addressed my issue. 
I appreciated the response from XXXX XXXX, Office of the President, Union Bank. I also appreciated her reversing {$60.00} of the fees that had been charged to my account ( $ XXXX/month x three months ). 
On XXXX, at XXXX XXXX, I spoke with XXXX at the XXXX XXXX, XXXX Union Bank Customer Service Center. She said that I was never charged any bank monthly fees " until XXXX. '' XXXX said, " new bank fees went into effect XXXX. '' However, I 'm afraid this is not true. I have a large stack of paper bank statements ... all of them show {$20.00}, or {$18.00}, in monthly fees charged to my account. I was charged these monthly fees long before XXXX. 
I called the XXXX XXXX Customer Service Center again, on XXXX, at XXXX XXXX. XXXX. I wanted to confirm the amounts of the fees charged to my account. The employee who answered the phone ( and I 'm afraid I did not get her name ) put me on hold XXXX different times to talk to her supervisor. The third time, I was put on hold for about seven minutes ... no one ever came back on the line. 
At the time I first opened a " Signature Banking '' account, I was renting a room from relatives in XXXX XXXX, XXXX. Currently, I am paying full market rental rates in XXXX XXXX, XXXX, where I help to take care of my XXXX mom. My savings are dwindling rapidly. I feel that Union Bank discriminates against lower income customers. If XXXX is in " Signature Banking, '' no fees are charged. But if you are a lower income customer, with a " Bank by XXXX '' account, for example, monthly service fees are assessed.
Dear XXXX XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX