WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Capio Partners XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim I have a $ XXXX/XXXX  and $ XXXX/Capio charge off. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA, they are required to .... '' promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
I 've been disputing this alleged debt from Midland Funding LLC, in the amount of {$460.00}, since XXXX thru XXXX. Midland Funding LLC. has violated the FCRA by not providing a contract with my signature on it, in regards to this debt. This account is unverified and immediately needs to be deleted from all my credit files, all but not limited-XXXX, XXXX, XXXX. The business is required to disclose to me all documents that they have recorded and retained in their files to this alleged debt. If Midland Funding LLC.does not have any documentation, they need to retract this from my credit file immediately. In addition, this business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database.
I received an overdraft fee from Bank  of American  on  XXXX  saying my account was overdrawn. I have a pdf of my online bank statements that shows based on what Ba nk of America  was showing me that I had sufficient money in my checking account ( as well as  XXXX  in my saving that I easily could have transferred over if I was in fact close to being overdrawn ). Talking with B of A they informed me that what I was seeing was my " statement balance '' as opposed to my " actual balance ''. If you look at the pdf, it states that it is showing my " actual balance '' and not my " statement balance ''. This seems like a deceptive practice that even the B of A person I spoke to admits is " happening to a lot people ''. This practice needs to be reviewed and I believe is set up to increase the amount of fees B of A can collect
Both Transunion and XXXX report my name as XXXX XXXX XXXX. 
I was born XXXX XXXX. I have NEVER had a middle initial.
I was currently in a chapter XXXX bankruptcy which I later converted it to a chapter XXXX which included my mortgage. I later applied for a loan modification with Ocwen loan service. I was approved so I dismissed my chapter XXXX because I no longer could afford to pay my bills mortgage and bankruptcy payments. I am current on my mortgage but Ocwen keeps reporting it as late on me and my wife credit reports.
I have an Initial fraud alert on my Consumer credit report. I have reports from XXXX XXXX and XXXX XXXX XXXX department saying they are removing Hard Inquires from my report. I have other hard inquires on my report I believe to be in error.
Equifax has blended the credit report of family member with a similar name and social security number with my credit file. They have been provided with the correct information and acknowledge that a mixed file has occurred but have refused to separate the XXXX files and deleted the accounts and inquires that belong to this person. I have filed several disputes with them over the last several months with no success of getting this information removed.
From XX/XX/2017-XX/XX/2017, TD bank was receiving charges from XXXX of {$32.00}. The charges were attempted and denied a total 4 times by the company. each attempt was charged a {$35.00} overdraft fee. At time of writing, there are others pending as well. 

This was billing error that has since been resolved. TD Bank has full discretion when accepting or denying payments. I do not believe TD adhered to the high ethical standards that it sets for itself.
I received a letter from Citibank with a XXXX ThankYou points offer after opening Citi Priority account with qualifying activities. My family member and I went to Citibank branch located at XXXX XXXX XXXX XXXX XXXX, NY XXXX to open the account on XX/XX/XXXX. During the processing, we asked the banker to check the eligibility of my family member and the banker said he was eligible so we both opened the Citi Priority Accounts. 
We had fulfilled all the requirements in XXXX, XXXX and I did a live chat with a Citibank representative online, she confirmed that the requirements had been fulfilled and she also provided the promotion code, XXXX, to us as a reference. It has been almost 8 months since the accounts had been opened. Citibank keeps charges us monthly fee but doesn't want to fulfill the XXXX ThankYou points promise. We called the Citibank customer service phone line and they said they didn't see any promotion with these accounts. They instructed us to talked to the banker who opened our accounts. We talked to him and he said he had no idea and asked us to call the Citibank Customer service phone line. It's extremely frustrating and it's like a scam for us.
In XX/XX/XXXX or XX/XX/XXXX, Equifax suffered a breach of security via hacking from an online exploit, leading to the presumed theft of millions of consumers ' information. It is my understanding that I may be a victim of said hacking. I confirmed this information with Equifax on XX/XX/XXXX.
Mortgage was paid off in XXXX 2014. Can not get title to property because they wo n't release lien.
XXXX XXXX sent me an email describing a bundling package where they handle the billing for the internet services and XXXX XXXX in one package. The price was {$89.00} + tax for both internet and TV services. I called and qualified the items on the email I received from XXXX with the XXXX sales person and he said yes! that is the package I will sign you up for. I asked him to send an email confirming that and he said he needs to complete the sign up process and needs my credit card before he can do that. After installation, the installation Teck. asked me to sign saying that he had finished installation and that I was satisfied with the installation and I did. 3 day later not receiving my email confirmation from XXXX or XXXX I called both of them and they said they would not honor the email sent from XXXX and if I cancelled the {$200.00} a month service they will charge me a early termination fee of {$450.00}. I did cancel and I did not pay their extortion money. Two items have been placed on my credit report. 1. from XXXX who sold it to ( XXXX XXXX ) and they list it as in collection for {$440.00} 2. From XXXX who list it as a charge off for {$240.00}. These two actions have dropped my FICO score from XXXX to XXXX. These are the only derogatory remarks on what was a very solid and well earned credit score. I would like to have both of these items removed. I will attach the email I received from XXXX and the last billing statement from XXXX. Thanks! Sincerely " Victim of XXXX purchasing XXXX XXXX ''
XXXX XXXX is reporting hard inquiries on XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX I never applied for these loans
A month ago I checked my credit report and on XXXX it was showing that I have a derogatory collection from XXXX for {$96.00} for a medical collection. I have never received a written collection notice or received any phone calls in attempt to collect the debt. Upon calling the company all 3 phone lines listed on there website are dead lines and numerous attempts on a 4th phone number listed on the internet for the company. The 4th phone number just directs me to a message saying no one is available. I do not know how to pay this debt and get it taken off my credit report if I can not get in contact with the company that holds the collection. I have been trying for months now to get ahold of the business now to no avail.
I had a payment to XXXX for {$210.00} on XX/XX/XXXX. My Checking account balance was around {$160.00}. I also had {$50.00} in my savings account. I already had overdraft protection on. I know for a fact that since I didn't have enough money in my checking account to pay it that my savings would cover the difference. And it went through because I saw that the payment was successful and I had a checking balance of ( around ) - {$6.00} and a savings balance of {$1.00} ( I transferred the {$1.00} to my checking as well ). That same day I checked my balance and went to a chase bank to deposit {$5.00} so that I wouldn't have to pay the insufficient funds fee ( Its for a balance of less than - {$5.00} not {$0.00} ). I woke up this morning ( XX/XX/XXXX ) to {$48.00} in my savings, a {$34.00} insufficient funds fee, and - {$85.00} in my checking account. I called Chase, and the lady said that she would try to process the waiving of the fee but no guarantees ( did not process ). She said it was out of her hands and I asked to speak to someone who did have the responsibility/position to help me. she said that she couldn't. This is the second time that I've had to file a complaint against Chase. I had to wait 6 months just for Chase to credit me for shoes that I returned to XXXX.If I have to file again, I'll want more than an apology.
Account has been open since XX/XX/XXXX. Account started reporting to all 3 credit bureaus as being closed 2 months after XX/XX/XXXXwhen my checking account had Charged Off because of a negative balance. My credit card was placed on a block until my Charge Off was paid for the checking account. My credit score went from XXXX to XXXX due to this matter at that time. They stop reporting that my account was open and as well they had taken away XX/XX/XXXX & XX/XX/XXXX months of payment history from my credit reports then later put the information back on my credit report which was at least 6 months later when the Charge Off was paid. I regularly made payments on the account even though my access to my credit card was blocked. They kept stating that my account was still open and it should n't be reporting as closed, but someone within the financial institution was giving bad information to all 3 credit bureaus.
In  XXXX , I opened a checking and savings account with  TD Ba nk in  XXXX ,  In   XXXX   XXXX  I moved to  XXXX   XXXX ,  NC  in which th e TD  Bank in  XXXX   XXXX , NC became my primary bank. I had no interactions with the  TD  Bank in  XXXX , NC over  XXXX  miles away.     My original checking number with TD bank was,  XXXX , this account is now closed pursuant to my request throug h TD Ba nks fraud and/or loss prevention department. The account was closed in the later part of  XXXX   XXXX .     It was necessary to close my account, since I had lost my checkbook and debit card coming home from the hospital where I had been admitted. It is assumed that I accidently left my checkbook in the  XXXX  vehicle that transported me home from the hospital. My debit card was inside my checkbook.     During the conversation wit h TD Bank security fraud dep artment it was advised by the bank that my account remain in no debit status until my social security direct deposit posted to my old account. TD Bank had established a new account.     During this conversation, I was advised b y TD  Bank that no prior authorized ACH debts would be processed, included  XXXX  a prior bi-weekly authorized I had authorized on my old account.  XXXX  was notified that I no longer authorized any ACHs due to the security issue with my account.     Nevertheless, TD Bank without my consent, knowledge ( until after the fact ) or authorize transferred to ACH debits from  XXXX  to my new account. Those unauthorized debts where is the amount of {$31.00} and  XXXX  transactions made they unlawfully debited from my new account on  XXXX   XXXX ,  XXXX .     After becoming informed of these unauthorized ACH debits I filed the appropriate disputes.  XXXX  Bank failed to process my request in accordance to banking regulations. Thus, it became necessary for me to refile my ACH disputes, ( see attached documents ).     Then on  XXXX   XXXX ,  XXXX , TD Bank denied my ACH disputes for the second time. Whereby on  XXXX   XXXX ,  XXXX  or thereabouts I contacted TD Bank as they requested in their letter and I requested the transaction information and copies of any documents they used in the decision.     As of  XXXX   XXXX ,  XXXX , TD Bank refuses to provide me the transaction and copies of any documents they used in their decision.
I have communicated to this company several times not to contact me at work and they continue to do so. This is creating a problem at my work. They have also repeatedly called me on the weekends and after XXXX XXXX on weekdays. My work number is XXXX and my cell number is XXXX. 

the company information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Thank you XXXX XXXX
CAPIO PARTNERS has inserted an account in the amount of {$1100.00} representing XXXX XXXX XXXX XXXX. I have never had any business or obligation with CAPIO nor XXXX XXXX XXXX have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed CAPIO of this status. CAPIO PARTNERS can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. CAPIO PARTNERS has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
I fell behind on my mortgage after lay-off. I soon learned I would need XXXX before returning to work. I had the surgeries and was unable to return to my work as XXXX and now have been XXXX for a new occupation at less than half my former income bracket. I have applied for a Short Sale but still have a forclosure sale date.
XXXX XXXX XXXX, ACCOUNT NO. XXXX IS APPEARING ON MY CREDIT REPORT.THE LOAN CONTRACT IS FRAUDULENT BECAUSE THE SECURITY AND THE PRODUCT FINANCED HAS NO VALUE AND THE LENDER KNOWS THIS. 
THEY REFUSE TO RECLAIM THE XXXX VEHICLE BECAUSE IT WAS MANUFACTURED, FINANCED AND SOLD AS AN UNSAFE DEFECTIVE PRODUCT. 
XXXX VIOLATES IMPLIED WARRANTY LAWS OF CALIFORNIA AND MANY OTHERS. 
THEY ARE WELCOME TO SUE ME FOR THEIR FRAUDULENT DEBT. 
I CAN NOT PERMIT EXPERIAN TO BE USED AS AN ARM OF EXTORTION BY REPORTING CREDIT BASED ON A FRAUD PERPETRATED BY XXXX. 
EXPERIAN SHOULD DELETE THIS ACCOUNT OR CONSULT THEIR ATTORNEYS TO SEE IF THEY NOW KNOWINGLY WANT TO PARTICIPATE IN A FRAUDULENT TRANSACTION.CONTINUE REPORTING AND EXPERIAN COULD BE HELD LIABLE FOR FRAUD.THE OTHER PARTIES HAVE BEEN TO COURT.
XXXX Credit Card is charging larcenous interest & late fees even though I'm making regular payments. 
Activity for XXXX XXXX XXXX XXXX Current Balance : $ XXXX $ XXXX Last Payment XX/XX/2018 $ XXXX
In XX/XX/XXXX, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, Experian, XXXX, and XXXX, each of these accounts year to date credit reporting ends in XX/XX/XXXX. There appears to be no credit reporting since XX/XX/XXXX on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.
I am on XXXX and live on a fixed monthly income. I 've exhausted all of my other options, forbearance, deferments. Etc. I called XXXX XXXX or XXXX, XXXX and spoke to a gal named XXXX. She asked a bunch of questions about my finances and we worked to try and get a reasonable payment plan, incuding reduced interest rate, to no avail. She said some forms would be sent and I would get them in two to three weeks. This was a form for my doctor to sign. It was never sent. 
In the meantime, I have been slammed with phone calls from Navient, sometimes up to XXXX and XXXX times a day. Early on, I put a block on all the numbers they call from. XXXX time, I did answer. I had been asleep. My wife had also been asleep. She kept asking where the paperwork was. The guy said, very frankly, it would be a miracle if the loans were forgiven. We explained to him the situation, and that if I could pay, I would. He did mention that if I could pay an ex amount on the phone right then, they would n't send my account to collections. He also said, in a very rude and condescending way, my loans and payments are my responsibility and when I signed for them, I agreed to pay them back. My wife kept asking where the form was. He told us we could find the form online. My wife asked several more questions, but the guy got impatient and hung up on us. Great customer service. 
The form still had n't arrived, so I called again 2 1/2 months later, right after XXXX, just after the first of XXXX. The gal said the previous rep had filed the information wrong or sent it to the wrong department. The form was to take 2-3 weeks. That was the first of XXXX XXXX. Today is XXXX XXXX, XXXX, and still no form in the mail. 
I am tempted to call XXXX more time, to give them the benefit of the doubt, but, after my wife got to reading about all the consumer complaints about Navient and read them to me, I decided to take action. 
Why is it taking so long to get XXXX form out in the mail? Meanwhile, my good credit score is now shot, I am in default, and I have been denied a loan through the USDA to help get my parents house repaired so I can move out of my rented townhouse into their old house 3 hours away. My parents are not well and we can save a bundle on rent to be able to pay off my debts, including these loans.
In  XXXX  of   XXXX  , I applied for and was approved for an  XXXX  branded credit card issues by US Bank. The promotional terms were  XXXX   XXXX   XXXX   XXXX  points after my first purchase. The terms or my satisfaction of them have never been disputed by US Bank. However, I have never received the points in my  XXXX   XXXX  Account  (  #  XXXX   ) . I have called every  six  weeks since  XXXX  to resolve this issue. I call  US  Bank and they say to call  XXXX   XXXX .  XXXX   XXXX  reports they never received the miles. US Banks tells me to wait. On my last call, I was told by US Bank that after a new statement was generated they points would transfer, as they were " pending. '' I did so and the points from the new statement did transfer, but not the  XXXX  points I was still due. Upon my most recent call, the supervisor at  US  Bank refused any responsibility for resolving the situation and made a number of spurious legal claims about the situation, and did not recognize the " pending '' issue claimed by the previous representative.  XXXX  still says they never received the miles. I have attached all the relative documents detailing the transactions and the discrepancies. It is US Bank 's responsibility to resolve the situation, not  XXXX , per the terms of the promotion agreement and my satisfaction of them.
HUD statement and Deposits into Escrow seem to match and accurately estimate/account for all required disbursements. Lender however is explaining that the disbursements on the account put escrow in negative balance of over {$5000.00}. No mathematical model I have been able to devise gets myself, the title company, or the loan originator to the same figures Penny Mac is billing me for. The HUD statement accounts for disbursal expenses and the only increases in insurances not on the HUD Total roughly {$540.00}. If paid XXXX months up-front, the HUD total accumulated amount covers expenses less the increase in insurances how could the balance possibly go into the negative past the amount of insurances increase? I believe I am being billed XXXX for XX/XX/XXXX MUD taxes that were collected since loan origination, although clearly included in the HUD the MUD tax was not paid in XX/XX/XXXX but in XX/XX/XXXX. I have repeatedly asked representatives to share the mathematics that equate to the negative balance and they can not and have blamed increases in insurances and taxes that do not exist. I have worked with all parties involved to attempt to resolve and after working with the title company and agent who wrote up the loan originally was instructed to submit this complaint.