WillisBack/dataset-financial-user-claim huggingface dataset:
I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report over 30days past. XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXX XXXX XXXX ( OTHER ) XXXX XXXX Opened Date XXXX, XXXX Opened Date XX/XX/XXXX the items are not correct result of ID THEFT and are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against XXXX for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via XXXX or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address current XXXX XXXX XXXX XXXX XXXX OH XXXX accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided
I had to return a XXXX Thermostat to XXXX XXXX in Texas for failing to compete a two year term with them as an energy provider. I returned the thermostat in the mail with the address the company provided. A company called Transworld Systems : XXXX XXXX XXXX XXXX DE XXXX Is attempting to collect {$200.00}, the value the company believe the XXXX thermostat is worth. Again, I returned the thermostat. They continue to call my home and cell phone daily and send letters attempting to collect a non-existing debt. I told them once on the phone that I returned the thermostat already, yet the problem continues.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian To Whom It May Concern, I sent a letter to you disputing 4 accounts as erroneous on ( XX/XX/XXXX ) and mailed I spoke to your representative and they verified you had indeed received my letter for verification. I was informed you received the letter XX/XX/XXXX It is now XX/XX/XXXX and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. I spoke to your representative and she confirmed that you continue to receive updates but have not started the investigation. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Initial Dispute for Validation was sent via certified mail to Security Credit Services on XX/XX/2019. On XX/XX/2019The correspondence I received is not sufficient validation of this debt. I have NEVER lived at the address shown on the copy of the statement you have given. I am not associated IN ANY WAY with the Leese in contract. The balance reported on my credit report is also being reported incorrectly. Please be advised this is my SECOND WRITTEN REQUEST. The unverified account listed above remains on my credit report in violation of Federal Law.
I now have over twenty five hard inquiries on my 3 major bureau credit report. I didn't apply for all of these lines of credit. I applied at three car dealerships. Only they have my applications and authorization signatures. I think that when I started applying, some form of identity theft began and others began to apply to. XXXX XXXX informed me that I may have been exposed to two different data breaches. I wrote XXXX, XXXX and Transunion to get these inquires removed and they are refusing to help. Please assist.
When I enrolled with the XXXX XXXX XXXX XXXX XXXX, I was told by my several advisors that funding provided to me would go through XXXX XXXX, their primary FEDERAL lender. Turns out all my loans are private. Limiting my protecting against the fraud and closing of the XXXX campuses as well as refinancing. Now Navient, has made my payments impossible, with the high interest rates from my loans and no options of canceling or refinancing my life has ended at XXXX. Because of the fraud and the lies from XXXX and XXXX XXXX XXXX, I will no longer be able to buy a car or finance a home.
I applied for an FHA refi loan with Quicken Loans. They checked my credit and estimated my house value at {$190000.00}. The rep said I had to submit {$400.00}. good faith money in XXXX hrs or the loan was null and void. I said I thought this was unusual, and that I was a XXXX citizen and I did not have a lot of extra money. He said it was required to process my loan. I submitted the money. I was then asked for a lot of other documentation which I provided and they said was okay. Finally an appraisal was ordered. The appraisal came in {$40000.00} under what I was told. I questioned the appraisal and the comps. I even had the listing agent to my home and she agreed with me. She said property taxes alone showed a difference but beyond the differences were apparent to anyone. I contacted the CEO of QL, XXXX XXXX, who simply forwarded my message to XXXX XXXX to handle, the rep who asked for the {$400.00}. QL then sent the appraisal back to the same appraiser and asked if it was correct. He said yes. In the interim I was contacted by XXXX XXXX of QL who asked me if I had {$31000.00}. to being to settlement. I said no, I was not giving anyone anymore money.
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. I am a XXXX and under Public Records Law no agency may divulge my personal information for commercial use. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
XXXX has been paid. XXXX ( XXXX ) payments of {$440.00} were paid in XXXX 2015. My current balance is XXXX.
As everyone knows the crumbling of the XXXX XXXX empire which has left alot of students displaced, after all the high hopes of pursuing a career for the jobs of today on your schedule. After several years of XXXX then trying to complete XXXX XXXX to be cut short by XXXX 's ability to stay legal. Having wasted all this time attending XXXX while supporting my XXXX children on my own and working XXXX jobs. The hopes of obtaining an education to possibly show my children that it is never to late to better yourself and prove to myself that i am worth something better in the job market. Now having this blemish on my record ( XXXX ) employers laugh considering the situation and time lost trying to get my degree. Then XXXX XXXX was our loan holder which has problems and they transferred our loans to Navient, in my opinion is grossly over taxing my loans. For an XXXX XXXX and a half a XXXX my repayment is {$95000.00} over a period of 18 years. No way is the education i received worth this especially after all that we have been through after its closings. Please HELP!!!!
Equifax mishandled my information, which puts me at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Never received any communication from this company. Not a letter, a phone call or any collection attempts from this company. I learned about them when they showed up as an open collections account on my credit reports. They began collections on an old XXXX charged off account from four years ago or so. It may have been an account that was discharged in my Chapter XXXX bk in 2010 for all I know. They reported this account as a new collection account and have continued to present this debt as a much newer and ongoing collection account. When I attempted to contact the company many months ago using the contact information provided on the credit report, I was unable to reach this company. The phone number was bad. I disputed the information, however XXXX of the consumer reporting agencies somehow sided with this agency and so this fictitious account remains on my reports and is continuing to negate the last two years of hard work I 've put in on rebuilding my credit. I would also like a letter of apology for misleading and harmful information the company has continued to file, or a letter reporting the true account information so that I may include this letter with any credit or mortgage application to show that I am not currently delinquent, and it will show that I have been current on all my accounts for over two years now.
My Visa credit account with Capital One was closed in XXXX 2016 with a balance of {$9700.00} - with a minimum payment of {$98.00} due on XXXX XXXX, 2016. Because my account was closed, Capital One did n't send me any documents and I could n't pay online so I kept calling and finally I was able to get the help necessary to make this payment on XXXX XXXX, 2016. However, Capital One started a weird mechanism of calculating charges to my account - although I did n't have any purchases or cash advances since the closing of my account in XXXX. Between the end of XXXX and the first week of XXXX, they have charged me close to {$1400.00} - which they themselves acknowledge is neither interest nor purchases, as interest started accruing to my account only in XXXX - according to Capital One 's documented, recorded admission which I have as audio file. The total amount of interest charged to my account was only {$300.00}. Although I made the minimum payments required since XXXX XXXX, 2016 - {$98.00}, {$160.00}, and {$130.00} for the months of XXXX, XXXX and XXXX. But Capital One has sent a statement saying that I owe {$650.00} for the month of XXXX and they 've increased my principle from {$9700.00} in XXXX to {$9900.00} in XXXX - without any purchases during this entire period and with my total interest being charged only {$300.00}, how and where this {$1400.00} is going, The interest charged, and the amount that I 've already paid over these three months, and the {$650.00} Capital One wants me to pay, there is {$1300.00} which disappeared into thin air. This kind of criminal and fraudulent calculation of account charges, where they can not explain where the money went is not only exploitative but sucking the blood from American families - illegally and fraudulently - to keep greedy " companies '' like Capital One in luxury. Please investigate this company and start a class action suit as there are bound to be thousands of others customers like myself who are bound to have been cheated and illegally charged money which Capital One can not explain went to. At the rate Capital One is charging me, whatever it is because according to their own admission the interest has been only {$300.00}, there have been no purchases during this entire period. In a year, this money which is neither interest nor purchases or going toward principle, would be {$6800.00} in a year for a balance of {$9700.00}. This is criminal in its most utmost cruel form. If you can not shut down this company, regulate them.
I want CapitalOne to enable me to share my financial data with 3rd party applications and affiliates such as XXXX. These programs help me monitor spending, budgets, transaction and theft alerts. I should have easier access to this information through the choice of who I share this information with.
On XX/XX/XXXX I went to XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX FL XXXX, I went in to redeem a coupon for a prize I may have won. 

I received the flyer in the mail. 
I spoke to a salesman by the name of XXXX and he said I did not win the prize but asked if I was interested in a new car. 

I told him that I was not due to I have a XXXX XXXX XXXX.however I told him that my credit was probably not good enough for a newer purchase and that I did not think I could qualify for the car because of other debts. I told him I was paying on a XXXX XXXX. 

The salesman said that if I wanted to get rid of my current automobile a XXXX XXXX XXXX, I could do so by Voluntary repossession. I was talked into that. Not knowing what he meant till he explained in detail. I asked what he was talking about because I never heard of this. And he assured me that Yes, I could do that. 

He took me to the finance department and we sat down with a finance professional who showed me how I would be able to pay for and still maintain good credit. 

I selected a car a XXXX XXXX XXXX and began to sign the paperwork. The salesman told me that I could also get a {$100.00} referral bonus, so I suggested my brother. When I brought him in, the same salesman and the same finance person said he would need a cosigner, and asked if I could sign for him. ( my Brother ) I told the finance guy, that I did not think I could based on my outstanding debts, including the new car that they just sold me. They did tell me that it would be alright and that I could co sign with no negative effects. So my brother bought a XXXX XXXX XXXX. 
I never did get the {$100.00} referral bonus. So we both drove off of the lot with new vehicles and new debt. 

The next day, I called about the voluntary repossession to XXXX XXXX XXXX that I use for my banking, personal loans and the XXXX XXXX XXXX. When I talked to them about the voluntary repossession they stated that there were NO benefits to that. As a matter of fact, they stated that I would lose : My banking privileges They would close my account I would be classified as a bad risk I would owe the complete balance of the car I would owe the complete balance of two personal loans that I have And a negative review to my credit report. 

I was not only shocked, because of what the dealer told me but now I can not return the vehicle nor afford the payments of multiple vehicles. That was explained to me that would work in their fashion. 
but have since fallen into a deep XXXX as a XXXX  member of the military, I NEVER thought I would be impacted this way by purchasing a vehicle. 


Release me from the Lease of the XXXX XXXX XXXX. 
Refund my down payment.
Selene Finance is knowingly currently engaging in the prohibited practice of dual-tracking while I 'm actively applying for and being considered for a loan modification and also failing to respond to my mortgage loan requests pursuant PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).
We submitted an investigation request to the credit bureaus on XX/XX/XXXX. Over thirty days have past, but Equifax and XXXX have not responded yet. I am attaching a copy of the request we sent on XX/XX/XXXX.
I had a medical bill that was paid in XX/XX/XXXX to the XXXX Hospital and I have a copy of the check to prove that was the date the amount was collected. My credit report states that this item was sent to collections in XX/XX/XXXX with LJ Ross and Associates. I have attempted to contact them to clear up the fact that they did not collect the money from me, it was in fact the hospital that told them I no longer owed the money as I had paid a year before.
I am in desperate need of help! I stupidly took a {$300.00} loan from " mypaydayloan.com ''. I actually didn't accept it yet they deposited the funds anyway. I paid {$90.00} by ACH from my checking account on XX/XX/XXXX. I then researched them & was alarmed by what I read. I revoked ACH & IMMEDIATELY requested a mailing address to send payments. They refused & daily threats began. They have said I owe {$550.00} then {$300.00} then {$350.00} ... they have said I must pay a lump sum immediately then have said payment arrangements may be made. I proposed a settlement and AGAIN asked for a mailing address. They now are THREATENING to sue me for {$25000.00}!!! They say they are a Costa Rican company. How is this legal???? What do I do????? Help!!!!! I only ever speak to one person named " XXXX '' who is harassing me for my debit card #. There is no way I am releasing that & I am scared he has access to my XXXX & checking account. I was foolish & need help!!
I own a brick and mortar business that also sells on XXXX. For the past several months we have had multiple customers who are not able to pay us for the items they have purchased. The reason is that when they use XXXX and the funding is from a Citibank card our business is being blocked. When the customer calls Citibank the reason that is given is that our business is involved in the sale of cryptocurrency. We do not and have not ever been involved in cryptocurrency. I have checked that our merchant category code is correct, XXXX. We have been in business since XX/XX/XXXX and selling online since XX/XX/XXXX. I suspect that the problem is that Citibank is either filtering out our business because the name of the business has the word " coin '' in it or they are confusing our business with another business of the same or similar name that does in fact deal in cryptocurrency. I have spent hours and hours on the phone with XXXX, XXXX and Citibank. XXXX and XXXX customer service has been great and I believe they have done everything they can to solve this problem. Citibank however has awful customer service and will not help at all because I am not a Citibank customer.
Hi, An online transfer request of  XXXX  $ was made on   XXXX   XXXX   XXXX     through  RIA fro m  US  to  XXXX . The receipt showed that amount should be delivered by  XXXX  which did not happen. When called on  XXXX , customer support told recipient account was entered wrong and re initiated the transaction making changes.The new estimated delivery was said to be  one day w hich is on   XXXX / XXXX , this wa s on call with customer support, but new receipt showed   XXXX   XXXX   and they confirmed that receipts show differently to original delivery date. Amount was not deposited even on   XXXX   XXXX   but the online status showing as deposited. When called about this, they claim that the amount is deposited, but the recipient ban k manager confirmed th at amount is not still deposited. I have the online snapshots of recipient account showing no amount deposited and RIAs order tracking status along with time stamps. They tell something on call which is entirely different when checked online. This is really needed right away for my family as its causing lot of damage and extra penalty as we were unable to pay the loan at recipients account because of delay in this transfer. I can provide all the receipts and order status snapshots and also request to track the call recordings to get clear proof on how the customer service is falsifying the information to that of online . I hope CFPB w ould help to resolve this complaint as soon as possible and reply back with positive feedback.
I have used paypal for many years. In the past years they have introduced a paypal credit concept. It never bothered me since it was assumed that I could just never use this account as I never needed it. 

Fast forward to this month. I find out that all of my transactions now default to paypal credit and I can not change this setting. I got hit with XXXX late fees and XXXX interest fees. The total payment I made was {$110.00} of which {$64.00} was late fees. This is an exorbitant amount of late fees and interest fees. The late fees make up for 57 % of the total payment. 

To add insult to injury, I tried calling paypal. They put me on hold for an XXXX before I decided to try to reach out via email instead. 

When I composed the email, the paypal site promised me a XXXX hour turn around. That was XXXX weeks ago. I have yet to get any sort of reply. I am starting to think that there is no customer service at all at paypal. 

Another point of complaint is that the only way that I knew I had late charges was because they sent a letter to my old address. My address is up to date on paypal yet they sent it to an outdated XXXX. No emails were sent to me and no calls were made to tell me that I was overdue on an account. 

This is fraud in that they forced me to use paypal credit when I did n't opt in to the account then charged me with late fees and offered no way for me to talk to anyone at paypal.
On XX/XX/XXXX I received a letter from Wakefield & Assoc stating that they were representing my dermatologist in collecting an unpaid debt. The amount was for {$97.00}. I contacted my doctors office and they have no record of any unpaid bills or any collections actions against my account with them. 

From the Dr Office : Please call me at XXXX or on my cell phone, XXXX so we can review this together. I am not showing you have an outstanding balance or any notations of collections activity on youe account. Please send a copy of the collections letter you received so I can follow up on this as soon as possible. 

Thanks, XXXX XXXX, XXXX XXXX XXXX I have requested in writing via fax for them to prove this is a legitimate debt. They have not provided any such proof.
In XX/XX/2018, I made a Principal payment to the loan. This was after the auto-paid monthly payment was processed. PENNYMAC took out a second interest and escrow payment. I called, emailed and send a letter to the PM offices. It took some time but it was fixed and confirmed, finally, after the next months regular payment. 

T ensure PM could not misunderstand my intentions I sent a USPS Priority Mail envelope with two checks and a very specific letter inside with details on applying payments to Principal and what the final Principal amount would be after payment was applied. 

They did it again, diverted Principal payment to interest and escrow. I can't tell if this is incompetence or corruption but I need this fixed and the funds applied as intended. Banking reform and consumer protection doesn't seem to stop these folks from trying to nickel and dime folks. I have all the documents and will attach them if that is included with this submission page.