WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : None Balance {$1000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Re : Accounting Ending XXXX ; Case # XXXX 1. Letter dated XX/XX/XXXX from Capital One ( CO ) regarding an alleged account ending in XXXX, CO stated my account was past due. See Attachment XXXX ( 2 MB ) for details. 
2. Letter dated XX/XX/XXXX I requested specific account information, e.g., account statement, specific charges, total amount owed, from CO. See Attachment XXXX ( 2 MB ) for details. 
3. Letter dated XX/XX/XXXX from CO in response to my letter dated XX/XX/XXXX. See Attachment XXXX   ( 2 MB ) for details. 
4. Letter dated XX/XX/XXXX I requested a second time for specific account information, e.g., account statement, specific charges, total amount owed, from CO. See Attachment XXXX ( 2 MB ) for details. 
5. Letter dated XX/XX/XXXX from CO in response to my letter dated XX/XX/XXXX. See Attachment XXXX   ( 2 MB ) for details. 
6. To date, CO has yet to provide any requested information for account ending in XXXX.
XXXXMy name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX cellOn or about XX/XX/XXXX my XXXX company transferred funds into my bank account at U S Bank. But my bank decided yo hold my funds, close my account and they are refusing to release my funds. I have spoken with the following bank representatives several times to secure my funds. But they insist that they have the right to put me on Chex XXXX, hold my funds, and are refusing to let me draw out my money! This has caused my mortgage to bounce because I need my money! 



I am on XXXX. I have XXXX XXXX and a XXXX XXXX. It is hard for me to walk! Please help me to recover my funds which the bank is holding unnecessarily long! It has been almost 30 days! 



The Bank representatives who are holding my funds : XXXX XXXX XXXX Brach Manager U S Bank XXXX. XXXX XXXXBoth have this telno XXXXThank you for any help you can give me! 



I need to be taken off of XXXX ( I do n't owe the bank anything not even fees ) I need my funds released immediately! 

Please help me! 

How do I get removed from XXXX? I do n't owe my bank anything! 




XXXX XXXX Check hold XXXX XXXX XXXX Dept XXXX U S Bank
After multiple attempts to receive validation of debt from Online Info Services via a utility collection, I called and spoke to a rep  named XXXX who hung up on me because she was caught giving false statements regarding validating my identity to access my account. I called back to speak to a supervisor but the consumer collection department screened my calls and did not answer. I called back to back and unfortunately I had to call from another number for someone to answer to assist with my account. XXXX from the consumer collection dept. finally answers the phone so I asked to speak with a supervisor. The " assistant '' manager XXXX told me a letter was sent to an old address that I do not reside anymore so I provided her with an updated address. After providing an updated address XXXX stated the company will not send anything they have on file that states I owe this alleged debt. I asked to speak to her supervisor XXXX and I was sent to his voicemail. This is unacceptable and unlawful for a collection agency to consistently withhold information from the consumer, as the consumer is privy to information that being reported about them.
This company has been calling my phone non stop asking for someone I do not know and refuses to identify themeselves and the name of the company they are calling from.
I was in Dental office on XXXX/XXXX/2014 for dental implant before I new itI was being fitted for denture. Went I called the office I was told. 
'that my denture will be ready for pick-up in XXXX week. I call the officeon XXXX/XXXX/2014 to cancel this order. take to XXXX. Now CareCreditwants me to paid {$2000.00} dollars and placed it on my credit report. 
I informed Synchrony Bank that my order been cancelled mamy times this as hurt my credit I 'm requesting it be removed from my report. I ever received the product.
I previously had a complaint submitted. My Submission number : XXXX when I called the the XXXX number I was informed by a female who answered the phone they ca n't provide any information on the complaint and that i need to resubmit another complaint. I received a debt validation letter from attorney XXXX office who represents Velocity Investment, LLC. Account Name : XXXX XXXX and Original Creditor is XXXX. XXXX XXXX and his client has the name under XXXX. I sent XXXX XXXX several certified letters requesting any documentation that has a loan made under XXXX XXXX. I do n't recall making any loan under that name with XXXX. I was a victim of identity theft and just want to make sure that XXXX XXXX and his client provided the proof of documentation.
on XXXX XXXX, XXXX I went on line as I do every month to pay XXXX XXXX credit card payment of {$63.00} there was a glitz on line and and they read XXXX and they got that from the chemical bank as a loan of XXXX and my XXXX XXXX  check in the bank was only {$150.00} so now XXXX XXXX have XXXX instead of XXXX and chemical bank gave that to them and now chemical bank has taken my XXXX XXXX check and I have no money to pay my bills or buy anything and chemical bank is hounding me to pay over XXXX back because my XXXX XXXX card had only XXXX that I owed and XXXX XXXX returned XXXX back to chemical bank and chemical bank is trying to make me pay them.
TodayXX/XX/XXXX, I received a letter trying to collect on a debt that is 1. over 8 years old, and 2. paid off in XX/XX/XXXX, and 3. I paid taxes on it.
I called and spoke to XXXX, she was not a good rep and not helpful. I told her that I paid this debt in XX/XX/XXXXand paid the taxes on the debt cancellation, which she seemed like she had no idea what that is. I also mentioned that I was not happy over the fact that they are trying to collect on a debt over eight years old, and also that I paid on it in XX/XX/XXXX, and I have proof. That I would need their information so that my attorney can contact them since this is clearly illegal. She also said this would not go on my credit report, I found that strange. Most all collection companies report it. I worked very hard getting my credit back up to XXXX+.
A few minutes go by, I got my old records out of my dropbox account and my CPA 's records, I thought I need to call them back and get th complete account number to reference to to give to my attorney.
When I called, the person I spoke to gave me no name, I asked for the account number she said there is not one, and I said that this seems to be illegal that they are trying to collect twice on the account and its over 7 years old, she immediately hung up.
I was nice to each persons on phone, but firm in voice, as they were too.
The Company name : First National Collection Bureau , Inc .
Address : XXXX XXXX XXXX XXXX NV XXXX XXXX Ref # XXXX  Amount : {$4300.00} Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX XXXX
Some of the accounts are reporting as " late '' and saying they are fairly new accounts. In reality these are 7 to 10 years old, and should by all rights be closed.
I have disputed items with this credit bureau more than once about a tax lien, two bankruptcies, and unauthorized inquiries. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau try to say they sent me a notice, which they did not. First of all I went to the Federal court clerk and I asked them do they verify accounts to the credit bureaus about court cases, and they stated they do not verify with credit bureaus. First of all nobody has permission written or verbal to disclose about my personal affairs. They said the disputed items came back verified by the court, which the court said they do not verify, and in my case since I owe XXXX balance, XXXX liability that the case was vacated and dismissed. So I want to know where they are getting this third party information from. If it is not from me or the federal court, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything. I am tired of the credit bureau taking their time and not responding back to disputes in a timely and efficient manner. You can provide them all the information in the world and they still will not delete items on your report. The inquiries from someone trying to apply for a car loan with multiple lenders ARE not mine and I provided a police report statement for those. How can something you did not do stay on your credit? It is outrageous how people are treated because the credit bureau wants to keep you down so you can pay people to help you fix items that should not be reported in the first place. I already have medical conditions that I have to deal with and I am barely surviving and to constantly fight with the credit bureau is very exhausting and puts more stress on me. I am currently getting advice from a lawyer on this matter and will take it to court if something does not happen with this situation that is constantly being drawn out with no rightful verification and proof. I can not even dispute items because I already have disputes that were never solved over a month ago. I wish they please stop taking advantage of people and if not correctly verified delete items that they know are supposed to be deleted. Stop going through third party sources to verify information that is not accurate or given permission to supply because that is breaking the law. I have proof they are not authorized by me to use any third party sources to verify any thing and I will use this in court if necessary.
XX/XX/2014, I paid the student loans, for the amount of {$9000.00}. Citizens bank, told me that they will communicate withXXXX to clear my credit report, my {$9000.00}. cashiers check wascashed by the citizens bank, but they did not informed XXXX, Ihope that, they should be investigated, because they are damageiging my credit report to the XXXX agency 's.
On Thursday, XX/XX/18 at XXXX XXXX., I received the following email from my employers human resources department. 
Hi XXXX, I just received a phone call from a XXXX at XXXX XXXX XXXX  who would like you to call a firm named XXXX - at XXXX - reference filing case # XXXX Thanks, XXXX
Esser, James & Associates called my fathers phone and stated that they were trying to get a hold of me. They stated that their client is giving me one last chance to speak to them before the start the litigation process. They left message also stating that if he is in contact with me to please have me call them at XXXX. I am not associated with my father except by address from XXXX years ago. It startled my father in thinking I was in trouble because of the agents tone by stating " last chance ''.
On XXXX/XXXX/16 I used a foreign ATM Platte Valley Bank they charged me a {$3.00} user fee to use the atm, and then later that day they added an additional {$1.00} fee without explanation. The terms and fees were not listed or displayed on the terminal. plus this buck XXXX is after the fact
I was received an alert stating that state collection services was added to my credit report. I never received an XXXX notice, I thought the collection agency is suppose to send a notice to give you a chance to validate
Citibank NA in conjunction with Best Buy stopped forwarding credit card statements and further disallowed me from accessing my account online. They state that my account has been closed for nonpayment but ratger than forwarding copies of my credit card statements, they have reissued me a card with Visa as opposed to MasterCard thus adding a tradeline on my credit report for an account that was already considered closed by them. They have done this without notifying me, the account holder, without issuing me a new card and completely refused to allow me online access to set up payments or review any credit card statements. I have been in touch with their Customer Service Department on more than XXXX occasion regarding this and, essentially, have been explained there is nothing they can or would be willing to do to remedy this situation, further delaying any payment they might receieve from me and, to their advantage, adding more interest and fees. 
I have also received various phone calls and messages from people claiming to be representing this financial institution and asking for personal bank account information over the telephone. As my mobile device has been hacked on more than XXXX occasion, and I am no longer receiving preferred, requested communications from them, there is a huge privacy concern regarding their method of operations for this purpose.
I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.
In XXXX I took out an auto loan with XXXX, which is now Santander bank. XX/XX/XXXX I filed for chapter XXXX bankruptcy and included the remaining car payments in my bankruptcy payment. My case was closed and a discharge was granted on XXXX/XXXX/XXXX. I have been calling Santander for about a month requesting the title to my loan. The latest excuse was that they do not have the title and they put in a request to XXXX to release the title. This confuses me since XXXX XXXX is now Santander. I am hoping that I can find some resolution to this since I would like to trade my car in within the next month.
On XX/XX/XXXX, I sent a certified letter to Experian to dispute incorrect information on my credit reported. After the first 30 days, I received an updated credit report that stated the account was investigated, however there were not any changes. Then after receiving no official documents to verify the debt listed, I sent a second certified letter on XXXX XXXX, 2017. On XX/XX/XXXX, I received an updated credit report stating the debts will not be reinvestigated. This company is breaking the law by not providing the information being requested. They didnot provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA as they are required too. I have attached confirmation of receipt of letters.
I have been contacted concerning a debt I attempted to pay. I am running behind in my mortgage payments and have had continuous communication with them pertaining to why I fell behind. I usually pay the current month but on the last day of the month while attempting to get caught up. XX/XX/XXXX I was unable to go to the mortgage company to provide them my payment as my manager called a mandatory meeting. I explained that and stated I would pay them tomorrow morning. I was denied by XXXX XXXX that payment and she advised they would need to collect 2 months at that time. I have not signed anything pertaining to this type of agreement and have nothing in writing from this institution pertaining to this type of agreement. Therefore, I have received calls from her as well as XXXX XXXX pertaining to my debt owed. I advised XXXX XXXX at that time I can not pay two months and if I had to, I could not pay it until the end of the month. Additionally I have paid and they have sent my payments back to me on occasions. This causes an adverse rating on my credit as well as additional charges due to being late. Also I am charged for property inspections when I am delinquent. I have written to ask why no payments are being reported on my credit report to no avail. I realize I filed bankruptcy in XX/XX/XXXX but they were excluded and still they will not report anything on my credit. I also have a second loan which is a balloon payment. No one can seem to find that second loan. I am almost positive these actions are to take my house from me. I would just like a response on why I can not make one mortgage payment until I am caught up, why I have nothing in writing pertaining to their agreement, where is the second loan and why nothing is being reported on my credit.
Ocwen Mortgage company is involved in theft by deception. I filed a complaint with the XXXX XXXX office on XXXX XXXX. My house was destroyed by fire in XXXX of 2015. I reported this to mortgage company and they continue to send my statements for a property that is totally destroyed and was probably paid off by insurance company. My mortgage amount owed at the time was XXXX but the value of the property was approximately XXXX. So my wife and I our owned money after the property was paid off. Ocwen refuses to pay us the money owned. I also filed a complaint with the XXXX police dept on XXXX XXXX related to my Niece and her husband plotting to poison us. What is interesting is that Ocwen Mortgage was sending our statements directly to her without our knowledge or approval. So it appears that Ocwen was also involved in a conspiracy XXXX. She was used to hold the property until my wife and I were successfully XXXX so that the property could be transferred to family. Because I reported this to the police in XXXX of last year, the property was deliberately destroyed in order to avoid their being a connection between Ocwen and our family. The specific details and evidence was provided to XXXX XXXX and XXXX Police Dept. My loan account number is XXXX and the property is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My name is XXXX XXXX and my current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Mortgage lender Stearns Lending LLC is witholding greater than the XXXX escrow cushion in my escrow account. Made multiple attempts to resolve. They cut a check for approximately {$950.00}. There is an additional {$1000.00} above the XXXX number they are witholding, and company refuses to pay it out.
PennyMac mortgage company sent me a transfer letter saying that I would have a new mortgage servicer and that they would no longer process my payments at did the XXXX of XX/XX/2019. So I sent a payment to my new servicer but PennyMac still went into my account and took another payment and says they have no report of it. Even though they talk to the bank to prove that they took the payment out they still say they have no record of the payment being taken out. My account number with the mortgage companies XXXX XXXX. I have forwarded copies well my bank transaction a copy of the money order I sent to XXXX the new service center
On XX/XX/2018, at the suggestion of the agent for XXXX, a XXXX of XXXX XXXX, I sent via email ( address given by him ) a detailed letter and revised 'RIE ' form, attached here. 

After some weeks, I got a call from XXXX XXXX of that firm which I returned the next day. 

He was belligerent and interrupted me when I told him that the figure his QC 'people ' had arrived at was neither reasonable or affordable ; he refused to give me anything in writing at which point I terminated the call. 

He has violated their own Manual, attached ; furthermore, XXXX XXXX own materials speak of 'monthly payments as low as {$5.00} .... ', a category that suits my disclosed income and expenses. As importantly, when I pointed out that no one had requested me to document each item -- which I then and now am prepared to do -- he demurred, simply repeating that his 'supervisor would tell me the same thing ' -- i.e., that I had to pay $ XXXX  monthly vs. the {$99.00} he had previously quoted on a then current RIE form.
Credit file dispute with Equifax ( Confirmation # XXXX ) was submitted onXX/XX/2018 in regards to a wrong address listed on my report of XXXX XXXX XXXX XXXX, PA XXXX. Sent all requested information via XXXX on the date of the dispute as requested. I have never resided at this address at any time in my adult life. Received mailed notice that the address was deleted and the address is still showing on my credit file as of XX/XX/2018. Submitted second dispute today ( Confirmation # XXXX ) requesting that I send requested documentation a second time. Duplicitous request and first dispute was never updated as stated in received dispute results letter.
Affiliated Credit Services calls on my cell asking for me by name and then asks for personal identity information ( PII ) before disclosure of information. The phone numbers are XXXX and XXXX. I ask them for more information about the company, but only the name Affiliated Credit Services is given. Told her I would not give my address or birth date as I did not know the company. I checked my credit report and did not find any outstanding debts or complaints. She, the Affiliated Credit Service XXXX, threatened to call back until the PII questions were answered.