WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : American Express has deliberately reported false tax information to the Internal Revenue Service and refuses to correct it. 

On XX/XX/XXXX, I settled a past due credit card debt with XXXX XXXX, the authorized collection agent of American Express.The total amount owed on the delinquent account was {$15000.00}. American Express agreed to accept {$3800.00} to settle the account in full. On XX/XX/XXXX, the authorized collection agent was paid {$3800.00}. According to XXXX XXXX at the American Express Corporate Office in New York, American Express received those funds from their authorized collection agent on XX/XX/XXXX. 

American Express was required by law to provide me a cancellation of debt ( XXXX ) form for the tax year XXXX, and that never happened. I requested that American Express send a XXXX correction to the IRS, which would completely resolve the problem. However, she refused, citing some ridiculous internal policy of holding a payment for 10 days after they receive it. 

However the policies of an individual corporation are irrelevant. The debt was legally settled in XXXX, and I claimed and paid the tax due to the Internal Revenue Service for XXXX. American Express decided to willfully ignore that and sent deliberate, erroneous information to the Internal Revenue Service for tax year XXXX, knowing that this information was false. 

XXXX XXXX utterly refused to provide a proper explanation as to why they American Express would not correct this, other than to say " they just won't do it '' or words to that effect. Now, I am left to deal with the mess that American Express has caused me, despite the assurances of the American Express authorized collectors telling me that the XXXX form would be issued for tax year XXXX. 

What astonishing is the simplicity of correcting this issue. The only thing that American Express has to do to correct this is send a XXXX correction form to the IRS. They refuse, and this problem still exists. Not that it matters, but I am a XXXX XXXX veteran trying to do the right thing and file proper tax forms, but American Express doesn't care. 

In addition to the complaint to the CFPB, I also intend on filing a complaint with the Federal Trade Commission, State of Texas Attorney General 's Office ( Division of Consumer Protection ), Better Business Bureau, XXXX XXXX XXXX XXXX, as well as other federal and state agencies regarding the apathetic business practices of American Express.
XXXX XXXX used deceptive and illegal practices to get loans in my name. I have attempted to request documents from XXXX showing what was signed and how much each loan was for. My loans have changed hands and I am having trouble finding out who I really need to speak with. I am looking to challenge all private and federal loans in my name. Please contact me with further questions. Thank you.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if Target account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 

Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
I received a call on Friday from Renton Collections saying this was their XXXX attempt to collect a debt. I had not received any notices so asked that they send me the information as I was not willing to pay something without doing my due diligence to make sure it was handled appropriately. The supposed manager got extremely rude, was telling me to just pay the debt and was completely hostile. Keep in mind I had just paid a {$1200.00} bill that was removed from their queue because it had been wrongly sent through our insurance. I wanted to insure this was billed properly since I had n't received notice, not to avoid payment and she continued with the verbal abuse. When I asked to speak to her manager she informed me she was the manager and the only other person above her was the owner and they would n't send me to them. I have no issue paying a bill I owe, but wont just send someone money without any sort of paper trail. Extremely unprofessional and after reading all the similar complaints online, I ca n't believe they are allowed to be in business. Verbal abuse is not ok.
amex has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have included the letters from XXXX XXXX closing my two accounts without reason and charging me {$49.00} each for a total of {$99.00} involuntarily.
I have credit card with bank of America that had a high Balance ( aprox {$4800.00} on a {$5000.00} line ) I made a payment Of {$2500.00} to decrease my high balance against my available Line in an attempt to help restore my credit score to a higher Level. Bank of America with no notice immediately Decreased my line to {$2300.00} after they received the {$2500.00} Payment leaving my credit usage to still show I have high Usage against my available line of credit as they had Reduced it! I think them being able to decrease a line of Credit with no warming or grace period is extremely unfair From a consumer stand point and this should not be allowed. 
If bank of America gave mea 90 day notice at lease I would Of know and the credit bureaus would of been able to factor True situation into their metrics! I think this should be Addressed across the industry not just bank of America As I am sure I am not the only victim of this. 

thank you, XXXX
On XXXX/XXXX/2017 I returned XXXX items to the Walmart store at XXXX XXXX XXXX XXXX XXXX. The refunds were for {$1.00} ( on my Visa card ) and XXXX cents ( on Walmart mastercard ). The customer service clerk said the amounts would be returned to my Walmart mastercard and my Visa card. I have received my mastercard statement for the billing period ending XXXX/XXXX/2017 and there is no refund posted for XXXX cents. I called Walmart mastercard and the csr XXXX verified that is true. " XXXX '' said the refund would be posted on my NEXT statement. Why should it take more than one month for me to get this refund for merchandise I returned on XXXX/XXXX/17??? 
I also called my XXXX XXXX customer service today and " XXXX '' said no refund for {$1.00} has been posted to my account yet. The csr suggested I contact the merchant ( Walmart ) I called the toll free number for Walmart XXXX and the ONLY option given was a store locator. Since I 've tried before to call the so-called customer service dept of this walmart store -- in several fruitless attempts to find out when my " same day '' ( NOT ) toaster would be available for pickup & NEVER got to speak to a human being willing & /or able to answer my question -- I decided to not call the customer disservice department of the store. And of course walmart mastercard ca n't answer questions about refunds credited to another bank 's card. ( I asked ) So again I ask : why is it taking so long for a {$1.00} refund to post to my credit cards. Walmart got its merchandise back. Where 's my money??? Why does n't Walmart just issue cash refunds rather than making customers wait so long for refunds?
I received my Property Tax that I have n't paid my taxes but my lender has an escrow set up to pay the Property Tax. The lender send me a Tax Analysis showing XXXX payments were extracted from Escrow and it was overpaying the Tax, in which my Mortgage would go up by XXXX. The Property Tax has not been paid. They show they have deducted funds from my escrow. They over deducted and they have inaccurately processed a tax analysis. I 've faxed, Called them for almost a month with no success to assist me. They 've done nothing. I have all my documentation, faxes, dates and who I 've spoken with. They are taking money, overcharging me a new mortgage payment and my Property Tax has a penalty fee and has not been paid.
15 Years Ago I had opend a Checking Acct with now which is ( XXXX XXXX ). In XXXX I had unexpectedly gotten a call from my landlord saying I had wrote him a bad check I do n't write bad checks if I do n't have it I will tell you I do n't have it and my credit score is over XXXX, after I had sent other checks out as well. Was n't sure if it was me reading my statements wrong or not so I went I got a print out directly from the Bank. The Print out had show 'd both ( Positive+Negative ) to my acct?? I had also deposited enough to cover all checks atleast per there statement that I was reading and thought. I kept getting overdraft letters in the mail and went to an Attorney, I was told to get out of that bank and since their was no ( Bank error notification ) on their print out then I was n't legally responsible for any fee 's. I switch 'd Banks and stop 'd all activitys with TD Bank. I had then went to XXXX Managers gave them their debit card back and had also made 2 phone calls from them and demanded all {$250.00} fee 's be waive 'd so I can close the acct officially. I was laugh 'd @ and told no. I told them I was taking Legal Action and also notifying cfpb. They did n't care and then said my avg daily balance was {$1.00}??? and when talking to them they tried to ( Trick ) me into admitting I was purposely writing bad checks and when it did n't work they then wanted to get their Fraud division involved to clear me and see if there was a possible theft going on.I said no and took action. I 'm reporting this for others to be aware of and to get this acct officially closed and fee 's waived which never should have been givin to begin with.
There are banks reporting that i owe money and i have never had an account with them such as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Also there are other banks th as t keep running my credit constantly and bringing my score down i do know aww hat else to do. Its the same facilities when i check it. I even put a flag so it can not be run without authorizations but that does not seem to matter
On XXXX we went to an pnc bank to withdraw money to put on our prepaid card to reload we gave them XXXX from child support card but the bank atm a XXXX XXXX XXXX XXXX said transaction could not be completed and if took our money since then we spoke to a XXXX XXXX on the third and she said she cant help us that day but call back we then called her got on three way with netspend the company we use for the reload and they told XXXX that since the transfer did n't reach thenm and they have no record of it that they need to return the money to us and that they do not give perfisinal credits everday we have call ed and tried to get our money back they have not done so then they said can we sen a chashier check to your bank have them request the funs after they have already explained they could not we have called everyday to get our money nothing we do have the reference number is XXXX XXXX we want our money back and yes they do have it in their system it took out money
Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via Transunion Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via Transunion Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XXXX/XXXX/XXXX new inquiries have appear, which I have not requested.
The third party collection agency name GCAB collections left threatening voicemails to myself and my family members about an old debt saying if I don't contact them they will come to my home and arrest me. How rude and to top it off this debt went to bankruptcy and they also have the wrong year I took the loan out. They should of called the place that I took the loan from first and confirmed the date I took it before calling and leaving nasty messages that were unnecessary. This is a Third party collection and had no legal right to call my family members. 

P.S. Loan was taken XX/XX/XXXX NOT XX/XX/XXXX
From equifaxsecurity2017.com, " I. What Happened On XX/XX/2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. Upon discovery, we acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/2017. 

II. What Information Was Involved Most of the consumer information accessed includes names, Social Security numbers, birth dates, addresses, and in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 consumers and certain dispute documents, which included personal identifying information, for approximately 182,000 consumers were accessed. In addition to this site, Equifax will send direct mail notices to consumers whose credit card numbers or dispute documents with personal identifying information were impacted. We have found no evidence of unauthorized access to Equifaxs core consumer or commercial credit reporting databases. '' Since then, I have used the site to verify that Equifax believes I was affected, and begun enrollment in TrustedID Premier. I have also filed a 90 day fraud alert with XXXX. I will continue to monitor my credit using XXXX through XXXX.
I brought my principal threshold leas than 80 % to waive PMI but still mortgage company is not taking any action.
fraudulent charge showed posted to my credit card account. Charge XXXX XXXX FL.
I obtained an auto loan with Prestige Financial in XXXX XXXX. My last payment was XXXX XXXX. The vehicle was repossessed XXXX XXXX, and listed as a charge off in XXXX XXXX. Prestige Financial is reporting to XXXX monthly ( oftentimes twice per month ) that I have not paid them on time - as though the late payment just happened. I ignored the reporting initially, thinking surely XXXX is n't treating this as if it 's a new late pay every month ( when it shows as a charge-off back in XXXX ). I was mistaken - Prestige is manipulating dates and amounts owed. This practice of Prestige Financial has lowered my credit score by almost XXXX points. I 've disputed this reporting with XXXX several times throughout XXXX, the correct dates are restored, and no more then 30 days later Prestige picks right up where they left off - even doubling up as though to make up for the month missed while going through dispute. I know for a fact this effects my credit score because it 's the only time my score drops. To date I have disputed this issue four times and the negative reporting immediately reappears. 
My complaint is this - why is XXXX allowing this company to continuously do this? If I submitted a dispute every time Prestige Financial reported a late pay to XXXX I 'd be sending in disputes biweekly, this is unlawful.
Critical XXXX continuously calls me and make threats trying to collect a debt from 2014. They wo n't send me paperwork to verify that I had this loan. They wo n't verify who they are. All they do is call and threaten to take me to jail or file a case against me for check fraud. They have called saying I 'm a liar or cursing me out and hanging if up in my face. Also threatens to come to my place of business.
Borrower continued to make payments, including XX/XX/XXXX and XX/XX/XXXX, however the mortgage company stated that payments were never received. Borrower called regarding the money orders and received proof that money orders were cashed by lender. The borrower did not want to pay additional payments as borrower believed payments were current. Loan is now in foreclosure. Borrower sent out a QWR letter XX/XX/XXXX requesting for payment history to determine or prove that payments were received. Lender never responded to QWR letter as of today. Lender 's counsel was asked the status of the response of QWR letter at the last conciliation conference on XX/XX/XXXX but lender 's counsel had no knowledge. Housing counselor submitted a copy of QWR letter along with receipt of certified mail to lender 's counsel on XX/XX/XXXX. Lender has neglected to send any proof of payment history to reflect that XX/XX/XXXX and payments after were late.
My loan was sent to foreclosure while working with my mortgage company in XX/XX/2016. I do not want my loan to go back into foreclosure. I was unemployed and not able to pay my mortgage XXXX XXXX. I got in touch with my mortgage company. I was told to submit information to XXXX. I was denied but started a new job. In XXXX, I was then told to work with another department in mortgage company for options on bringing my loan current. I submitted the paperwork as requested and my loan was sent to foreclosure XX/XX/2016. I was told to wait and not make payments because the mortgage company was working with HUD on my loan. In XXXX, five days before my house was to be sold, I was told a claim would be filed with HUD on my behalf. I was to make payments starting XXXX. In XXXX, I received the claim paperwork which listed my mortgage as 9 months behind. From XXXX is only 7 months. The payment I made XX/XX/2016 is being held in suspense. The information in the document I received from an attorney regarding the HUD claim states if I default on my mortgage loan the exasperated figure must be paid immediately. I pay mortgage insurance with my loan as well. This document also states that I give over the right to sale my house. I called the attorney and no response. I contacted the mortgage company and they are not being honest. My loan should have never went to foreclosure in XXXX. I fear it will go back into foreclosure before this is resolved. I only want to pay my mortgage. I was going on their advise but was never given the option of just paying the money owed. Now the numbers are exaggerated and I am only being given the option of filing a claim with HUD.
I was formally a XXXX XXXX borrower and a few years back they offered to consolidate my loans into XXXX loan. Later they converted my loan to Navient. Last year I heard about student loans forgiveness that was offered for people who work for a non-profit public health entity. I questioned Navient about this type of loan and all they would tell me was they did not service those type loans. I tried to convert the loan with XXXX and get my status recognized. I had my employer fill out paperwork and it was rejected because I was in the wrong type loan. I feel that the proper type loan was not offered to me ever and I have been taken advantage of by XXXX XXXX.
On or about  XXXX ,  2017  I was informed that I had to appear in court on  XXXX   XXXX ,  2017  to answer a Complaint for Damages. I do not have a recollection of owing a debt. Furthermore the alleged debt has no standing in court as the statute of limitations has run, the affidavit submitted in support does not identify an account number associated to me, and the company  Calvary SPV I LLC and a ttorneys  XXXX ,  XXXX  and  XXXX  knew or should have known that this is a zombie debt and this is a form of harassment knowing that the law suit filed can not be maintained. How many law suits like this are being filed. Below I have listed the name of the company and attorneys addresses.
I check my credit report and found that it have wrong information on there, so I contact equifax to let them open a dispute and told them this debt is not mines.They did the dispute, and inform me that they can not remove the debt from my report, because the company that put it on my report send them proof the debt is mine.I said to equifax to please provide me with your proof, equifax send me a document that did not have my name on there, I ask for a next dispute, after 4 dispute I ask for a supervisor, I told the supervisor of equifax the debt is not mine and I have been trying to get the company who is XXXX XXXX who put this false information on my credit report to send me some kind of proof that the debt is mine, the person at XXXX XXXX continue to give me the run around, I call left messages for day no call back, then this lady call back and said she will send me proof by email, I give her my email address, and I ask how long before I get back the info she said seven day, I said are you mailing it she said no it 's coming by email.I waited for 8 day no email just run around I reach out to her again same thing happen.I call back equifax and told them the problem they said they can not help me its up to XXXX.I said to the supporvisor you will allow a company to keep false information on my report and you did not see proof it 's my debt? Equifax said they ca n't help me, I would have to continue to reach out to XXXX. Equifax and XXXX have handle this station very poor in my book.Equifax allow XXXX to put fraudulent information on my credit report.The supporvisor said it nothing they can do to help me everything is up to XXXX.That is not fair at all and something needs to be done these big companies give the run around so you give up, not good on equifax and XXXX.I will up load information they send me that do n't have my name.Thank you