WillisBack/dataset-financial-user-claim huggingface dataset:
i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time
This account reflects the wrong amount. The account was opened and closed within less than 1 month so how can my bill be {$690.00}. XXXX XXXX tried to over bill me for service that they never provided. This account was opened some time in 2012. It's over 6 years old.
I started to receive letters from lawyers telling me I was being sued and offering to defend me. Upon research I discovered that this was true, but in the wrong XXXX. I retained a firm that sent a legal request for debt validation as per Federal law in XXXX ( attached ). This was never responded to. 
I have seen that the lawsuit has been stopped but I fear they will try and bully me again. 
The law says a debt must be fully validated, as per the letter that was sent to Midland Credit Management.
I started having a big problem when the economy was very bad because I am XXXX XXXX and a XXXX XXXX. This loan is a second mortgage. I have been able to work out a solution with my first mortgage of which is XXXX. 

Every time I tried to work with M & T they wo n't work with me. I had to file an emergency bankruptcy to stop the last sale which was on XXXX XXXX XXXX.I also made a mortgage payment to them and they accepted the payment. When I tried to pay again they would not accept my payment.
Now I have another sale date XXXX XXXX XXXX and my first mortgagee does not know anything about the sale date. I told them about it today.
I am just beside myself. Equifax has repeatedly victimized me without a second thought. They are reporting information on my credit report that is NOT mine. They 're saying people can do a hard credit inquiry for " permissible '' purposes. The recent inquiries on my report DO NOT fall under " permissible '' because I have NEVER done any business with these companies. In addition, they continue to report a XXXX XXXX account as late that IS NOT MINE. Finally, they are reporting a XXXX XXXX Secured Card that my bank opened without my permission and was NEVER funded. The account was NEVER open and active. That should NOT be on my report! I have been victimized for years and I am begging for someone to PLEASE STOP THEM. I 've already proved information they claimed was " verified '' is false. Furthermore, I 've contacted the people who pulled my credit without my permission and they have no explanation. Those inquiries are illegal and need to be removed!
My loan with Wells Fargo Dealer Services was paid in full in XX/XX/2016 ; however the company still has an active lien on my title. After nearly 3 years of having the loan paid in full, this should not be the case. After trying to contact the company through their customer care department and social media, my attempts to have this corrected have been unsuccessful. I need this issue to be rectified ASAP so that I may gain access to the title for my vehicle.
Rcently, I had an account from Diversified ADJ Services removed from my credit report, after multiple disputes, due to fraudulence and Diversified ADJ Services ' failure to VALIDATE the debt by providing a signed contract. On XX/XX/2017, Diversified ADJ SVC placed a collections account back on my credit report for the second time, failing yet again to VALIDATE the debt by providing a signed contract. Despite already being founded as a non-validated debt and being previously removed from my credit report, Diversified ADJ Services continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act.
We ( myself, my XXXX year old daughter and my old employer ) started receiving phone calls on XX/XX/XXXX regarding a past due payday loan that I don't recall having from XX/XX/XXXX. The calls were coming from a " process server '' saying that I was going to be served with papers between XXXX and XXXX XXXX either at my home or my work. My old employer was contacted three times as well as my daughter and myself. I did call the process server and got information on the company that set this up. The company is XXXX XXXX XXXX and they continue to call and leave messages on my daughter 's phone and mine even though I did call them back and asked them to discontinue the calls. When I called back they said that I had a loan that I owed for that they can now charge me three times the original balance and that the could charge me with check fraud. They have been scaring my daughter which upsets me. I have looked on my local district court website and there are no cases filed against me to even be served.
Calling people I know giving out information regarding debt. How much is owed ... last contact XXXX/XXXX/XXXX never verify who I am.. {$1400.00} Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ph # XXXX XXXX
For years my private student loan debt through, what was XXXX XXXX, Navient has been nothing but a floating burden in my life. I have watched my interest accumulate through time. I have XXXX loan that started as {$17000.00} and is now double because of interest and fees. I am drowning. I have XXXX loans through Navient now. I have asked repeatedly for statements and explanations of fees from start to finish and have been told they can not do that for me My parents are cosigners on XXXX loan and my parents have even asked for these said documents. Then I went into repayment in the middle of a divorce. My ex put me into default and until the divorce was over I asked what I could do to lowere my payment because I could not afford the payments on my own. I was told to forbear the XXXX XXXX times I called to figure somethign out in the mean time. I was never told about IBR each of these times. The first time I asked them abotu it and was told that was not an option for my loans. Then I paid XXXX or XXXX forbearances, I utilized all of them, and I was then approached with being able to do IBR at 1 % interest for a year. This whole time I was asking why this was not an option for me and I could not get XXXX answer. So here I am paying out {$240.00} a month in student loan debt with no statements or beginning of time documentation. So I have not clue what I am paying. I just have a monthly total and a deadline in # of months. How is this legal? They should have the original note when my loans where sold to XXXX XXXX. Also, how can a lender not provide documents per loan on how my loans got so high? This is a total scam and my life 's nightmare! Right now my loans are double what I originally took out! I am a single mom now of XXXX. I make {$12.00} and hour and have $ XXXX in student loan debt. I will never make anything more then maybe $ XXXX. the rest of my life due to life changes. This will forever be my struggle. My Government loans have gone smoothly. I file IBR every year and they will be wrote off. But I will forever have my $ XXXX private debt!!! Someone needs to do something about these scammers!
I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt but it appears you have refused so I am sending this letter to you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 



This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you : What the money you say I owe is for ; provide a detailed, plain and simple list ( not coded ) of any and all services or goods you claim I received a line by line itemization of charges ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. 

If you have I demand you send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law. 




Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any reporting to any credit reporting agencies. 



Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 



This is an attempt to correct your records, any information obtained shall be used for that purpose.
A couple of months ago I contacted American Education Services and I asked them if they could work on changing my payment plan. My wife just had XXXX and we are struggling to make all of our monthly payments. They told me that I've used up all of my forbearance which was when I first got out of school during the recession. Since then I've been paying close to a $ 900+ per month for about a decade which has not been easy since I have another student loan payment of {$1200.00} with XXXX. They told me that their is nothing that they could do and that they were not willing to help me in anyway. I've tried going to other companies to see if I could consolidate my private student loans but no one out there will touch it. The other interesting little fact is after all of this time I still owe roughly what I borrowed. So I'm stuck and I've been stuck with a variable interest rate. So after that discussion I decided to cancel my auto payment which is frustrating because now it is effecting my credit score and my parents since they are co-signers. 
The last thing that AES decided to do, is this month they ended up taking money out of my bank account after I cancelled auto payments. I went and double checked to make sure on their website that I cancelled auto pay and that I removed my all of my bank account information which I did. " AES '' decided to switch it to a direct debit without my consent. This seems illegal to me. 
These Private student loans have been an absolute nightmare for me and my family. The biggest mistake in my lifetime has been borrowing money for college ( Private Student Loans ).
I recently made a payment on a Citbank card that was due on XXXX XXXX. The payment was made on the due date, but for some reason was not credited to my account until the XXXX. I was then charged a {$25.00} late fee even though the payment was made on time, and a delay in processsing prevented the payment from being credited until the next day.
On or about XX/XX/XXXX JPMorgan Chase ( Chase ) fraudulently filed an assignment of mortgage with XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX ). At no time was Chase the owner or assignee of the Note. Chase assigned the Note fraudulently, unlawful and or illegally to XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
On or about XX/XX/XXXX XXXX XXXX filed a foreclosure action against me. Pursuant to my filing a Motion to Dismiss the foreclosure due to a lack of standing the XXXX Supreme Court dismissed the action on or about XX/XX/XXXX. 
Since XX/XX/XXXX Chase has been reporting to the Credit bureau that the " account '' is past due and in foreclosure. This is totally incorrect. I have been trying to resolve the issues with Chase. 
The lender, XXXX was closed by the Office the Comptroller of the Currency on XX/XX/XXXX. 
On or about XX/XX/XXXX a TILA Notice of Rescission was sent to Chase and also registered with the XXXX Register. There were no timely action or any action taken by Chase to set aside the Rescission. Chase has failed to act as directed by the Statute 15 U.S. Code 1635. The transaction was not consummated and no disclosures were sent and or received. 
I am seeking your help to have Chase cease and desist their credit reporting, and to return the voided note and mortgage if they are in their possession.

A cease and desist letter was sent to Chase to stop paying Real Estate Taxes and Insurance as they do not have my authority to do so. A cease and desist letter was also sent to Chase demanding that they cease making credit reporting to the bureaus.
I have been disputing with all major bureaus against inaccurate and unverified collection accounts on my credit reports. I have sent letters asking for verification and method of investigation for verification for the collection accounts listed below. I have also sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to collection agencies. I have yet to receive any response from either any of the bureaus or any one of the collection agencies. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. 

Also, the bureaus have been reporting collection agencies own the same accounts. With Experian, as of XX/XX/18, it shows that XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00} and XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/18, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months. I listed the inaccurate and unverified accounts below. 

Experian - as of XX/XX/18 - XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX XXXX collection agency - XXXX XXXX - {$360.00}. 

XXXX - as of XX/XX/18 - XXXX XXXX collection agency - XXXX XXXX - {$360.00}. XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX   XXXX XXXX collection agency - the same XXXX XXXX account that listed with XXXX XXXX collection agency - {$770.00}.
Last year we ( me and my wife ) recieved a bill from the apartment leasing company when we moved out of their apartment. As we did not agree with the charges mentioned in the bill, we asked them to provide evidence for the same. they did not provide any evidence but sent the account to a collection agency. collection agency called us multiple times and threatened us that they will ruin our credit if we dont pay up the money. they never provided any evidence for the charges they were claiming. 'they can ruin our credit ' was their only reason why we must pay up. we asked them to go to court if they think their charges were legitimate and if it was decided in court that we owe them the money we 'll pay them the full amount including any interest and legal fees. but they continued to make harassing phone calls despite our request not to call us. 

Late last year, we were looking to purchase our first home as we were planning to grow our family. we got pre-approvals from couple of lenders, we are financially responsible people, our credit scores were in excellent, we were getting the best rates, everything looked good. After many days of house hunting, we finally found our dream house and decided to move ahead with the purchase. last week our mortgage broker called worried and said " your credit score got Dinged, theres a collection showing on your account ''. my score had dropped more than XXXX points. Now I might not get a loan or interest rates would be higher. 

I looked at the report, collection agency had mentioned in remarks that the charges are disputed by the consumer. but still my score was dropped by a big margin. i do not have any issue collection agency reporting it to credit agency, but the credit agency decision to drop my score is not fair. they have reported it as a adverse ( delinquint ) account which is not the case. there 's a difference between delinquint account and an account where charges are disputed. i never refused to pay, if the creditor provide me evidence for the charges, I 'll pay the full amonut. Creditor wants to settle for half the charges, but I can not pay for something that I believe is totally fraudulent. 

So my question is : on what ground did the credit agencies pronounce guilty verdict on me and decided unilaterally to drop my scores. why do they have such authorities to mess up with peoples lives irrationally and negatively. shouldnt they have at least tried to know my side. why do they allow themselves to be a weopon in the hands of creditors so they can bully people. how is it that someone can call me or my wife and tell us to pay up or else they will ruin our credit. And they are able to do it too. what am I getting punished for? that i stood up against their bullying? how does all this make me financially irresponsible or how does it make me risk for lenders? Credit agencies only have dispute option under ownership and accuracy, I can not dispute their action. Now even my lender is suggesting to settle up with them, '' its a small amount, pay it off, get it off your records. '' Seems like an institutional blackmail and i am up against a big rock here.
I have a complicated issue with an old charge account. The original creditor was XXXX XXXX, now XXXX Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for XXXX digits being transposed. We XXXX had XXXX cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after XXXX attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports XXXX is showing XXXX entries for XXXX 2014, XXXX with an {$84.00} payment and a total of {$630.00} charged off. XXXX is showing {$280.00} charged off, and my original XXXX report shows XXXX charged off but also shows {$84.00} payments made XX/XX/XXXX of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute XXXX updated the account to paid after collection. When I called XXXX to ask about the payment history and final account balance, I was told the account was sold and they did not have the records. If I ca n't confirm that this is my correct account information, payment history and status of the account this should net be on my credit report. And that leads to the fact that if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late? 
Additionally, I sent a validation request to Portfolio Recover as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the XXXX XXXX entry on my report and it was returned undeliverable. I understand that this may be an old address, but if Portfolio Recovery is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.