WillisBack/dataset-financial-user-claim huggingface dataset:
Certified letters have been sent to the accounts. I will attached the certified receipt. 

I have recently been informed that there is negative information reported by XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from these company listings Late Over 120 Days and ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE LAST REPORTED DELINQUENCY. I am unaware of Late over 120 Days and ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE LAST REPORTED DELINQUENCIES.. 
Please validate this information with XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. A legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
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. 

The inquiries not belonging to me are XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. Please provide me with viable proof that these belong to me. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Please update my report and remove the highlighted accounts and inquiries.
Experian has an impossible process to dispute inaccurate information. They wo n't let you dispute anything unless you buy a credit report. You do get the free annual report, but that report number expires and then you have to buy a report in order to place a dispute since you can ONLY dispute with Experian with a current report number, that they sell to you at a profit. After this, you are directed to go to Experian.com/upload to upload supporting documents, which never are able to be uploaded, limit of XXXX and black and white, and even when you follow the directions and try to upload the most simple of documents, you can not do it. So then they make you send by mail, which I am attaching the message they provide. They require to you provide excessive information, which then they will SELL or use to invade your privacy, requiring information that is NOT REQUIRED in order to process a dispute when you HAVE DOCS to PROVE a dispute. 
They want 1. a drivers license, 2. a social security card, 3. a utility bill. This information in totality is REQUIRED to send to them IN THE MAIL are they kidding??? Because when you are able to dispute online, you DO NOT have to provide this completely invasive information to them, but the online upload does n't work, since it 's too small or whatever the scam is, in order to REQUIRE you to provide TOO MUCH INFO especially not necessary, when remember, you already had to BUY the credit report. This is a phishing scam by Experian, a deceptive and abusive practice that they are doing. The only way we can now dispute ANYTHING is by providing information that they should n't have for a dispute process. We ARE entitled to a correct credit report, and we ARE entitiled to not to have to mail in a set of docs that are 1. not their business and 2. dangerous to put in any type of mail, XXXX, XXXX, etc, because the totality of those docs together are crazy. Even the credit reporting company should not be trusted to have those in their possession, especially for a dispute. Furthermore, XXXX and XXXX DO NOT play this deceptive game, they allow online disputes that actually work, and they do n't make you buy the report to do it, or provide all those docs that can get someone a passport, mortgage loan, government benefits, tax returns, you name it. This is illegal, and the response they give better not be policy and protection, because that 's you know what.
I have a complaint about Chase Bank..I deposited a 3rd party check, I know for sure that the check is legit and the writing bank has no issue with clearing the check..Chase employees keep giving me the run around and giving me mixed information..They told me that the actual payee of the check would have to provide a phone number for them to call and we provided that info, there are actually XXXX numbers associated with her phone account that 's under her name which they say they ca n't verify any of the numbers ( how odd ) ..Then the first person I spoke with let me do a 3rd party call with the person who signed the check over to me, the second person let me do 3rd party call, of course I had to speak to several employees and still nothing accomplished, after speaking to the second person who also gave me her name I spoke to a third person who said that we could n't do 3rd party calls and also told me that they ca n't give me their name ( yes I know that she was supposed to give me her name ) to make a long story short they restricted my account and told me that once the check clears with the other bank then they will send the money back but my thing is why even let the check go that far? They should have just sent the check back to me or just cancelled the transaction out and let my account remain open considering that there is obviously no fraud in the situation because I have spoken to the other bank and everything is fine on their end..I never knew it was illegal to deposit a 3rd party check..The list of their bad customer service can go on for days, but my main concern is them restricting my account and not to mention they told me that I can put money into my account but I will never be able to touch it and that 's where all of my jobs sends my direct deposit.
Please allow this letter to serve as notice that the statements have been getting mailed to an incorrect mailing address, I have requested this change to be made several times. They 're 2 addresses to which statements have been sent, both are incorrect and as a result I have not been receiving the statements. I use my debit card from my bank to make payments. When I do this you ask me to verify the billing address that is on file with the bank associated with that bank account. I believe this may be the cause of your mistake.The recent late payments reported to my credit file are unfair as your company has failed to place the correct mailing address I have requested several times. Please correct my address to what it has been for the last 3 years ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
My bank closed my account due to the fraudulent claim activity that I reported to them was too many in a specified time period.
I contacted all three credit bureaus regarding fraudulent access to my credit file. I have inquiries which was not authorized. I contacted all three bureaus and was informed that I must contact the companies to remove the inquiries. After I did what I was informed, the companies informed me that they do not have anything in their system with my information. Its ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did the Experian allow such numerous companies access to my credit acount without prior authorization? I request that each and every inquiry be removed and I request an updated credit report reflecting such changes.
The servicer continually claims that the complaint is similar to previous complaints and then proceeds to NOT send the documents requested in the QWR and RESPA request. I have submitted multiple QWR to the lender requesting items required to validate the debt and to validate the actual transfer of the servicing of the loan to them and also to validate the note holder. I also have requested specific information required to validate the accounting that goes ALL THE WAY TO THE ORIGINAL LENDER ( they claim they do not have the accounting of fees, interest, charges, payments that go beyond them and maybe XXXX XXXX XXXX ). Additionally, I requested that the transfer and assignment documents be certified as correct by an executive authority for the note holder or servicer. I have requested that they provide documents showing that they notified me of my opportunity to apply for the National Mortgage Settlement program due to acknowledgement of errors and actions thru the National Foreclosure Fraud program in which there was compensation sent forward to me. The servicer continually avoids sending the requested information in total and then responds as if they have satisfied the QWR and provided all the documents. In short, validation of the debt and facts are not able to be accomplished due to their refusal to provide adequate information. They fail to send information requested and repeated send copies of the original note and then the assignment and transfer document for XXXX XXXX XXXX. THEY HAVE REFUSED TO SEND THE NAME, ADDRESS OF THE INVESTOR OR NOTE HOLDER WHILE CLAIMING THAT the letter received from XXXX is not part of XXXX. XXXX is claiming that they are NOT the note holder and have no records of the property or of me in their complete system. At present, XXXX is showing that XXXX is the servicer of the loan and that XXXX is the note holder. SPS claims that the servicing was transferred to them but will not send anything other than their own letter claiming that the servicing has transferred. They claim that they are not shown as the servicer in the XXXX System because the loan was in foreclosure and it was transferred out of that system due to that. However, there was no foreclosure in place at the time of the aledged transfer of servicing and the audit of the XXXX system requested would verify that along with any removal of the file from their system. In short, the items required and requested repeatedly have not been provided as allowed thru the law. Request complete investigation into the loan and all actions by both XXXX XXXX XXXX and Select XXXX XXXX.
I was served a lawsuit from  Greene & Cooper, LLP   (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia  XXXX  ) on   XXXX    The lawsuit was filed on  X/XX/2017   . I am being sued on behalf of  XXXX   XXXX ,  XXXX  for  XXXX  Bank in the amount {$1700.00}. I was never notified of a lawsuit being filed and I never received any communication from this Law Firm , Gre  ene & Cooper, LLP. T his account was disputed directly with the  Original Credit  or,  and  XXXX   XXXX   XXXX . Which I am not sure is even the same company as  XXXX   XXXX . I have never been contacted by  XXXX   XXXX .
I originally financed something back in 2009 with Conn 's appliances in XXXX, Texas. When I moved out of state and then had an issue with the product they refused to honor the store bought warranty. They instead deferred me to the manufacturer. 

The manufacturer ( XXXX ) then seized the defective product after recognizing it was fully defective. Since I was no longer in possession of their property any longer I was under no legal obligation to continue paying. However I believe I did pay XXXX more note but that was n't good enough for them. They demanded I turn over the new laptop XXXX custom built for me and the tablet I was also not in possession of at the time as it ( the tablet ) had been bamboozled away from me while in the midst of a XXXX 

They were provided with the name and address of who was in possession of it but refused to go and fetch it. They have now over inflated the amount owed on the account to pad their tax/financial records. 

According to the Texas statute of limitations of debt collections they had a limit of four ( 4 ) years and then to cease any and all collections against my credit in general which they are still attempting to do under the federal guidelines which is seven ( 7 ) years. The limit in New Hampshire where I am now a resident is three ( 3 ) years maximum on installment accounts credit cards etc. 

They are committing credit reporting fraud.
We encountered difficulties with the following banking institution : TRANSFERWISE ( Delaware License XXXX / Statute : Section 2308 ( b ), 5 Del C, Chapter 23 ) TRANSFERWISE decided to close our accounts last week ( held in dollars and euros ), disable our access to online banking, without explanation, and without any notice.!! 

Since then, we no longer have any visibility on the cash flow of the company, and nobody at Transferwise seems to understand how catastrophic the consequences could results to their actions. Note that nobody on their phone customer support can explain or give us any information.! 

We try to contact them since XX/XX/2019, without success.! 

Our company is in danger and the risk of bankruptcy is real for us because they hold the cash of our company, USDXXXX $ : we can not pay anything ( payrolls, wages, rents, credits, etc ).! 

We understand that our company does not interest them anymore, and we will not appeal their decision, but they have no reason to keep our cash.! 

The days are numbered : we therefore urge you to intervene so that they return our cash, as we asked them by email several times.
I am reporting JP Morgan Chase and XXXX XXXX XXXX. I was told by Chase from the last complaint that I would not be contacted by The XXXX XXXX again for collection and that my account with XXXX was updated as said in the letter from Chase attached. However, mailed out XXXX XXXX, 2015 and received by me a few days ago was another collection notice from The XXXX XXXX. This is also attached.
Credit score drop due to the fact that XXXX put me on collections for a account thats not mines. And on my credit report they have the wrong name and birthdate.
I am in the process of refinancing with quicken Ioans, it 's been over 45 days and still do not have a closing date. They keep giving me the run around and its been nothing but a headache.
I spoke to the original company with DEBT and they said that the TRADELINE HAS been DELETED for that supposed debt. According to the original debt company the TRADE LINE was already deleted and no one after that should be contacting me that I owe a debt. When none of the information on file for that debt collector for me was inaccurate. But according to XXXX IN NY, I still owe the money to the original debt company. I told them I found out about the debt bc I am getting ready to buy a home and the individual from that company told me " I WILL NOT BUY ANYTHING TILL I PAY THEM OFF FOR THIS DEBT '', the individual that I called was harassing me bc I will not be able to buy the home am looking to buy bc of this debt. He also told me that he knows what happen bc I did not know the address he had on file for this debt, he was saying that I did all of this and that he already heard all the excuses so that whatever I said was not true at all. When I told him I was not even in the state during that time frame of the debt and not to mention the address they have on file I do not even know. I forwarded XXXX the letter from SANTANDER the original debt company that the TRADELINE has been deleted.
Navient is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with Navient. This account number is the only account number that Navient has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XX/XX/XXXX through XX/XX/XXXX on the XXXX of each month. Navient is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. Navient responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the Navient website that shows the allocation of payments and the single account number issued by Navient.
My grandmother XXXX took a loan to refinance her home. When she took out the loan it was with XXXX. That bank has since switched to PNC. In 2011, my grandmother passed away. The executor of the estate is my mother XXXX. The home was willed to me. I have been paying on the loan for my grandmother since before she passed away. PNC will not give my mother or myself any information regarding the loan. They are stating that we need to tell them how much the loan was for. However, my grandmother has long passed and took that information with her. My mother and I believe that we are really close to a payoff amount and would like to have the information to pay the loan off and get the title. However, the bank is giving us the run around and wont give us any information, though my mother is executor of the estate, regarding the loan or the payoff amount. PNC is withholding information regarding the home and will not allow us to pay the home off to obtain the lease. Please HELP!
Back in 2008 I worked for a XXXX. What I did not realize was that one of the employees had a XXXX. The employee removed a credit card from my handbag and used it for numerous purchases which added up to a considerable amount of debt. The credit card was with XXXX. I disputed the charge with XXXX and reported it to the state police via a report. A copy is gone after XXXX XXXX. 
Shortly after the mortgage company headquarters filed bankruptcy which made the matter of paying bill even worse. 

I have been contacted by XXXX to collect a debt for DNF Associates and they have been calling my cell constantly and the cells of my family member stating that there is an urgent matter that needs to be addressed. Needless to say they are scaring my family members. My daughter is XXXX, my granddaughter is only XXXX. My son works for the XXXX They have called my husband at work and told them that I authorized him to pay the debt for me which was not the case. 

XXXX wrote the debt off as a charge off and while they are not attempting to collect this debt and it has exceeded the statute of limitations and I can not let this continue to upset my family. 

Please let me know what I can do to have this stopped. 

XXXX XXXX
had a bill with hospital which was paid in full somehow ability recovery services llc are trying to get me to pay again
Express recovery has sent a {$15.00} collection to the credit bureaus. I called the creditor listed and I was told they dont show I have any outstanding debt with them. I called espress recovery and the woman was curt with me and told me if I dont owe it it will eventually show paid but will not come off my credit reports. I tried to tell her this is some kind of mistake. She would not help me. I called XXXX XXXX again who again said they dont show anything outstanding and it shpould fall off soon. It has been a month and it is still there
I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, & (  XXXX  )  XXXX   XXXX   XXXX  accounts  XXXX  opened  XX/XX/XXXX  with a balance of {$40.00} each.
Person called my cell phone first and hung up, he then contacted my home number. I said to this person that you have contacted me without leaving a message or who you are. I told him that I will not give him any of my personal information until he told me what he was calling for. He then started threatening me and telling me to shut up and that he did not have to give me any information. I asked again and again he refused. I told him not to call my house anymore and harass me by cell or home. I also told him that I would report them XXXX. I asked for a supervisor and he once again refused. It then became a shouting match because he called me XXXX. I let him know that I do not talk to debt collectors that I may be reached by mail only. He still refused and said they did n't have to send anything
I check my credit report every few days and noticed a collection listed on my credit report on a debt that I am not aware
First they put in my credit report that I owed them {$2500.00}, then they decided to bring it down in my credit report and sue me for {$2000.00}. They sent me a paper dated XXXX/XXXX/2016 their math was off. 
XXXX unpaid rent plus late fees ( This is for two months rent that no one lived there and the lease was satisfied, ) {$770.00} for cost to repair damage. {$560.00} was for a furnace on XXXX/XXXX/2016. No one lived in the property form XXXX2016 They only credited us for {$470.00} deposit, when it was {$650.00}. 
That would leave the remanding balance of {$1800.00}. 
This was pointed out to the collection agency. They said they would change it, but never did.