WillisBack/dataset-financial-user-claim huggingface dataset:
I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I am, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act of your mistake. If this final request does not prompt you to conduct the removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX Ohio for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
I received an email last night from Discover Card from their Customer Protection Services ( see attached email document ) that the credit line account jointly owned by my wife and I ending in XXXX has been closed. The reason given as stated in the letter is - Unsatisfactory Payment History. 

As far as I know, since this credit line account was opened in 2011, I have never missed a payment neither have I paid interest in keeping balances on the account after a payment due date of a month 's billing statement. Therefore, I would like Discover to provide me with their record showing my " unsatisfactory payment history '' leading to the closure of this credit line account ending in XXXX. In addition, for several days now I have been unable to login to this account. 

If this is an attempt by discover to damage my name or spoil my credit because of my status, background, race, or whatever, then they should come out clear.
In XXXX, spoke to XXXX at Wells Fargo in order to close Portfolio Line Statement Account. XXXX said I had to write a letter and send it to : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. In the meantime, I paid {$25.00} annual fee. I never sent the letter. 

XX/XX/XXXX I asked my daughter to call Wells Fargo for me because I received another statement where I had to pay {$25.00}. My daughter was told there was a {$12000.00} collateral on this account and that is why a letter had to be written. The gentleman said not to pay the {$25.00} because Wells Fargo would take {$25.00} from the refund I was due. 

XX/XX/XXXX. Spoke to XXXX and then XXXX, supervisor. They provided fax number ( XXXX ) to send letter. XXXX said it would take two months to receive refunds because this money was in stocks and bonds. XXXX explained this was a Tier Line of Credit, a secured Portfolio line initiated in XXXX. XXXX said she did not have a call back number. XXXX said she would send us a copy of the original contract initiating this account to us. Letter was faxed to Wells Fargo requesting account be closed along with death certificate of my spouse and call back numbers for me and my daughter. 

XX/XX/XXXX Spoke to XXXX requesting confirmation fax was received. XXXX said we would receive letter in the mail confirming request to close account. 

XX/XX/XXXX We have not received copy of contract or confirmation requesting to close account. Called Wells Fargo at XXXX. Spoke to XXXX who said account was closed on XX/XX/XXXX. XXXX said there was no collateral on this account. After we told her she was the first person to tell us that she corrected herself and transferred us to XXXX in Premier Accounting. XXXX could not find the account number and said it did not exist. XXXX apologized and said she was the wrong department and transferred us to XXXX. Once we identified ourselves, the call dropped and they did not call us back.
I was told my pay off was XXXX I missed 1 payment since they relocated out of the city I am live and you cant pay over the phone, I had some serious medical come up .. anyway when I went in XX/XX/XXXX they said I now owe {$640.00} .. I tried talking to them, the lady was very rude and said its too late we sent it to an attorney so you can make a payment but it wont help you.. 
however what really upsets me and I think is against the law is that I sent someone over the next week to make another payment, they disclosed to him that I was delinquent on my account and also gave him my balance..
This was a XXXX bill that at least over 8 years old. They say that their client 's name is US Asset Management , Inc. EOS CCA and US Asset Management , Inc are the same company. 

I disputed the debt and it is still on my credit report with XXXX. 

XXXX ( XXXX, IL ) was trying to collect on this debt before. My guess is that they sold this after it went beyond the statute of limitions on collecting a debt.
I have been in contact with XXXX XXXX XXXX along with Equifax regarding XXXX account from the XXXX XXXX XXXX with the open date of XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX and the other with a opening date of XXXX/XXXX/XXXX, the first account of XXXX/XXXX/XXXX I never lived at the address and the other XXXX/XXXX/XXXX should is 8 years old and is showing current which is incorrect. I only have one current bill with XXXX XXXX and these XXXX items should be deleted off my credit file like I was advised they would be by XXXX XXXX. This is incorrect information affecting my credit file
I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX , XXXX XXXX XXXX
Today after spoke XXXX XXXX ( claims representative ) who refused to provide his ID #. Advised me that i will have to resolve the claim on my own because they have decided to closed the case bec Well Fargo felt that was my fault for not stooping the payment. I told him that i have a text message with a confirmation that my payment was confirmed and modify on XXXX XXXX 3 days before the transactions hit my account. Representative " XXXX " wanted to take over the conversation and continue talking and did not let me speak then after we both agreed to conferance a call with XXXX to confirmed my claim and while i was waiting for XXXX to conference call. The representative put me on hold and " disclosed my personal information without my consent which is a VIOLATION of my provacy right " instead of waiting for me to OK. and gave my info. We got on the phone the three of us and yes XXXX representative confirmed that the error was done on " XXXX part " they will do what they need to do to reverse the transaction and possible credit my account. 


This statatement contradics everything what Wells fargo said to me I was told that my claim was declined because XXXX was their right to collect a payment for {$130.00} ( NOT TRUE ). I believe my bank rejected a VALID claim to prefit from NSF fees and other added fees. 

2- Rep should never release any personal information without my consent a violation of my privacy rights. 

3- well Fargo still with same issues and with HUGE custumer services reps that dont know how to handle issues and or call resolutions
Hello everybody and thank you for your help. 
On or about XXXX XXXX I attempted to deposit {$1900.00} to my Santander Bank account via ATM at XXXX XXXX branch of Santander, XXXX, MA ( I used ATM that is furthest from the entrance ). ATM took the money but did not deposit any amount on my account, neither it gave it back to me, neither ATM provided receipt. At the spot I contacted customer service of the bank and representative assured me : that I can leave that location, money will go nowhere, they will deposit provisional credit while they are conducting an investigation. Reference number for the call and opened case is : XXXX As the result {$1900.00} were deposited as provisional credit. 

Yesterday ( XXXX XXXX ), I received a letter from the bank stating that there was NO error found on their side and they will take provisional credit back on XXXX/XXXX/2016 ( and they took it ). 

Today ( XXXX XXXX ) I called their Card Claims Contact Center. XXXX, a representative, and XXXX, her supervisor, told me that ATM team did not find any excess of cash in the ATM where I deposited my money. Therefore they closed the case and withdrew {$1900.00} back making my balance negative ( which causes a potential problem that bank will charge fee if I ever attempt to use my card ). 
As the result of the conversation the new claim and complaint about how case was handled by them was opened. Ref # XXXX, complaint # XXXX. I demanded a better investigation to be done. XXXX and XXXX assured me that Fraud Prevention team and Card Claims team both will be involved, as well as they will be using video recording from the cameras at the spot. 

Imagine yourself in my shoes, when bank took {$1900.00} and make you pay for it. This amount of money is not a needle in the haystack and if Santander bank has internal problem of theft, unprofessionalism, problem of audit or not properly working ATMs it must deal with it but not customers. 

I have some questions/suggestions if that will help : 1 ) why it took them more than a month to investigate? Is n't it supposed be under 30 days? 
2 ) what will they do differently during the reopened case.
I reached out to MoneyGram because I could not log into my account which I have used DOZENS of times. He informed me that Money Gram closed my account for security purposes. I never received any notification. I was never informed and when I asked to speak with someone to clarify, I was told no such person exists. I expressed my concern about them now having all of my personal data and I have no way of accessing it again. I was told there was nothing they could do.
i file for bankruptcy chapter XXXX in XX/XX/2014 and it is discharge, this is my second complaint against .the first one thy refused to take my old debt off my credit report .so they finally did it about a year ago, so i no, they no i file chapter XXXX, portfolio recovery nows been sending me bills and calling me for a old debt that was in XX/XX/2014 that was discharge .i call them and said they don't have my bankruptcy information which i no they have i sent it so did my attorney, they should have there license pulled.you can contac me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa,XXXX, email XXXX XXXX
I have contacted this company on several occasions to send me validation of the debt for a medical bill, and they have failed to do so of any signature. I have also contacted them to let them know that I never signed any paperwork releasing my medical records. Which is a HIPAA violation. They refused to work with me so I than contacted XXXX to get this debt removed, and sent a certified letter letting XXXX know that this a HIPAA violation because I never signed any paperwork releasing any of my medical information.
I filed a complaint on my mortgage company a few months ago because they are refusing me any kind of loss mitigation. 
I lost my job for a few months and asked for a modification or loss mitigation. They just keep sending me the application over and over again. 
After I filed a complaint on NATIONS DIRECT MORTGAGE through you, they answered and stated that they are working on it. They again sent me paperwork to start the process, and they never processed it or anything. Now they sent me another application instead of the answer to my modification application. This mortgage company is playing games and are trying to illegally foreclose on my home PLEASE HELP ME
I am writing on behalf of my son, who was a former customer of Scottrade financial products. My son has been a victim of corporate green at Scottrade when his account got hacked and Scottrade refused to refund any of the stolen money. 

Today I am writing to express my concerns over Scottrade 's response to my son 's complaints. Recently, my son discovered that XXXX XXXX XXXX, a branch manager at Scottrade exposed my son 's personal information by accepting insecure emails. Roughly 10 days after the insecure email, my son 's account was hacked. 

My son has been trying to resolve this with Scottrade but Scottrade has resorted to harassment and will not respond to his complaints. My son asks simple questions and Scottrade responds in a manner that is dehumanizing.
This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. 

This needs to be removed immediately.
I represent XXXX. 
We have a buyer for a property. 
The sellers have a First and a Second Trust Deed. 
The First loan is in Default and scheduled to sell on the XXXX of XXXX. 
The second loan is missing. We ca n't find it. The Sellers said they have n't made payments on it for years. However, it still shows up in the recorders office and XXXX as active. 
It was assigned in XXXX of 2016 to Costal Financial. 
XXXX has it with XXXX. 
What now? 
XXXX XXXX XXXX XXXX XXXX XXXX
I have incorrect 30 day, 90 and 120 day late payment on my XXXX accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on XXXX, XXXX and transunion for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.
I settled a debt with XXXX XXXX in early XXXX, and they have yet to update the three credit reporting agencies. The debt was paid as agreed in the settlement. The balance is XXXX, but is still being reported at over {$2000.00}
The number XXXX called my personal cell phone asking for " XXXX and XXXX '' who are my brother and sister in law. I asked who was calling and the woman on the line refused to answer my question. Not only did she refuse to identify herself and refuse to tell me how she got my number, she simply said " we use whatever means we can to find people. '' I am a lawyer, but not an expert in the FDCPA, but it seems to me that the FDCPA shouldn't permit every XXXX in America to call my phone because I might be tangentially related to someone who owes them a debt. Apparently ( based on XXXX ) this is Santander auto loans and this is not the first time they've pulled XXXX like this.
There is a third party debt collection company called " General Revenue Company '' that continues to call me, numerous times a day sometimes back to back, concerning a " student loan '' that is roughly 10 years old. They have contacted XXXX or more people who are not family members trying to " get information '' about me. I returned the call and updated all of my demographic information and told them that I would not speak with anyone about this until I receive written correspondence. They continued to call. I called them back today to let them know that they are harassing me and I would be following through with a complaint and XXXX stated that I owe student loans and they will move toward " garnishment '' of my wages. I hung up on them. 
I have a call log and they are on it daily, numerous times a day, even after I requested that they do not call me back.
hsbc had offer to open a cking acct, they ask questions that did not relate to me, like loans from banks i dont deal with.
The credit card in question is one that I have not used in over ten years, but was recently charged by fraudulent spam accounts starting in XXXX of XXXX. Capital One did not send me bank statements that these charges were occurring ; therefore, I was unaware and could not dispute them earlier. I only found out that this was happening when Capital One started reporting my lack of payment to the credit reporting agencies. I received my first statement on XXXX XXXX ( after calling to inquire and demanding they send them ). 

On XXXX XXXX, when I made the aforementioned call, according to Capital One 's customer service representatives, they could see that these charges were made and were fraudulent. Evidently, there were other charges that were caught and denied ; unfortunately, there were other times they were not caught. 

On the same call, I was told there was nothing they could do to resolve the issue, that I would have to pay my {$320.00} bill in full. They also did not know what I could do to resolve the hits to my credit scores/reports.
On XX/XX/2018 notice XXXX XXXX balance of {$260.00} stating I owed on my XXXX, XXXX, and XXXX  credit report. I requested documents bearing my signature in a letter I sent to the company.
I was served papers by an officer and I was told to contact the collection agency. When I contacted them I was transferred to the representative at Knight Adjustment that was  handling my case, XXXX was her name. She told me that I should let the judgement go through because I was going to lose anyway and that in return she would make sure that I was not charged the interest or fees usually associated with a judgement. As long as I made the {$50.00} monthly payment and was also required to be put on a 6 month recurring payment plan. I asked if it could be lowered to {$25.00} a month and she said no. I told her I would have to figure some things out, and call her back. She told me to call back within the week otherwise the deal would be invalid. This took place sometime around or before XX/XX/XXXX. I called back a few days later ( all of these conversations should have been recorded, as stated every time I called, as well as every time I called to renew my 6 month recurring payment plan ) and agreed to the terms. She took my {$50.00} over the phone and set me up with my initial recurring payment plan. Every time I would call to set up a payment, I would inquire about the balance, and she would always state that it was lowering. I ended up moving to Washington State ( XX/XX/XXXX ) and in that process, I noticed that my recurring payment plan had lapsed, so I called XXXX to set it up again, let her know that I had moved but didn't have a permanent address yet, and to inquire about the balance again. Everything was good until six months from that time to set up my recurring payment plan again. I called again to talk to XXXX, and was told she was no longer with the company and someone else would help me. I asked about my balance, and it was over {$10000.00}, which was nowhere near the balance I was told six months before which was around {$2000.00}. I asked the new representative how that was possible, and they stated it was the interest and fees that had been collecting on the account. Something that was withheld from me and stated by XXXX, their representative as something that was not going to incur. I was also told that they could not take my payment because I had moved out of their area, even though they had been taking them for 6 months, and knew that I had moved. I am not the original creditor on the account, I am the co-signer, and they had the account transferred to a company here in Washington State, even though the original creditor lives in Utah, and the debt is now almost {$20000.00} with the new fees and interests.
I am in the process of trying to purchase a home, I spoke with a mortgage representative on XX/XX/XXXX and they pulled my credit, on XX/XX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. On XX/XX/XXXX, I received a notification that Hunter Warfield, Inc had been added to my credit profile for a collections of {$1500.00} and that the credit file had been opened on XX/XX/XXXX.  Since XX/XX/XXXX, I have been diligently working on my credit to attempt to correct it and I have been keeping a watch on my credit report since, not one time, was this ever placed on my credit report, I never received any telephone calls, emails or mail from this place. I was actually disputing the charges with XXXX XXXX XXXX ( this is who the original company is ) as I do not feel that the charges are valid. I lived in their apartment complex for 2 months, gave noticed to vacate, ( this was a month to month lease ) and handed over the keys. I also requested to be present for the walk thru and was told that I would receive a date, that never happened. Months later, I received a notice from XXXX XXXX XXXX, advising that I owed for damages and cleaning, I attempted to call and received no communications from this company until XX/XX/XXXX, when it showed up on my credit report from Hunter Warfield.
On XX/XX/2017 I was shopping for a wedding ring with XXXX XXXX ( Location : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ). I found a ring that I liked and there was a special running through the end of the week. The clerk suggested that I put the ring on " Hold '' using my already existing XXXX XXXX credit card but that he would only be able to hold it through the end of the week. 

On XX/XX/2017 the XXXX XXXX store clerk called me to ask if I had decided yet, I told him at this time that I had changed my mind and would not be buying the {$7000.00} ring. He told me " Not a problem, I will remove the hold on your card and put the ring back in the case ''. 

Over the last 9 months I have been arguing and deputing with XXXX XXXX who are convinced I now owe them {$250.00} including late fees and finance fees. This has had a negatively impact on my credit score, caused me much stress, and wasted considerable amounts of my time. 

Both of the " investigations '' by XXXX XXXX came back indicating that a Gift Card was purchased for {$100.00} on XX/XX/2017 and that my depute was invalid. I have never received a gift card and have never bought any merchandise from XXXX XXXX.
The XXXX XXXX XXXX XXXX called me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to collect a debt for the same amount of XXXX as a collection agency called XXXX XXXX XXXX. They demanded that I answer the call today ( XX/XX/XXXX ) to ensure it wouldnt go on my credit.
Bull city financial sent me a bill for {$100.00}. I never received an original statement from the listed provider and asked bull city to give provider information to verify the debt and make payment to the original provider. Bull city refused to provide any provider information other than the name. An extensive search of records revealed that that individual is no longer in business in XXXX, does not work at any addresses listed, and does not have a functional phone number. this information was reported to bull city, who still refused to provide information to contact and verify the debt. Since that time, bull city has turned this over to credit agencies, negatively affecting my previously excellent credit score. If this is a legitimate debt, bull city needs to provide the providers information so that the debt can be verified and paid. Regardless, this needs to be removed from my credit report.
I email chase and ask them to explain why my payment due for XXXX/XXXX/2015 were marked " corporate advance paid. '' I also asked Chase to change " corporate advance paid '' to " payment '' to reflect my payment to them. They refuse. XXXX XXXX of Chase response was : '' On XXXX XXXX, 2015, we received your payment of {$32.00} and applied that payment towards your corporate advance fee on XXXX XXXX, 2015. '' I am confuse about this term they are using since I do not know what it meant and if my payments are debited correctly. XXXX XXXX, 2015, started my new payment since my mortgage is " interest only. '' The website has not changed the old amount ( {$720.00} ) to a new one $ ( XXXX ) so I paid my mortgage {$720.00} short by {$32.00}, but paid it on XX/XX/2015. My payments were marked as " corporate advance paid '' as shown here:XX/XX/2015 PAYMENT $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE PAID $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE - $ XXXXXXXX/XXXX/2015 PAYMENT $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE PAID $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE $ XXXXXXXX/XXXX/2015 ARM ADJUSTMENT {$0.00}.