WillisBack/dataset-financial-user-claim huggingface dataset:
I sent the letter below via Certified Mail to Equifax. Equifax notified me by email that the dispute was complete but did not provide me with how the accounts were validated. I called Equifax over the phone and they advised me that they can not provide the way the account was validated. If they can not provide the way the account was validated then the accounts need to be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX SSN : XXXX | DOB : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX   XXXX unverified account XXXX XXXX XXXX XXXX XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account Thank You, XXXX XXXX
XXXX XXXX, XXXX has sent me a communication to collect a debt without disclosing that they are a debt collection company or that the communication was a means of attempt to collect a debt. 

Their business name itself is deceptive in nature, and the communication is crafted in a manner that addresses urgency, whilst leaving the nature of the communication unknown. I almost thought the communication may have been a Job offer until the document asked me for the last 4 digits of my SSN. 

This is their email, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX We wanted to get you this letter as quickly as possible and having your email of XXXX on file we thought you would appreciate receiving it in an email. If you do not want to receive communications from us via email please use the unsubscribe link below. 

In an effort to maintain your security, we have encrypted your attached eNotice.

To open your encrypted eNotice : 1. Double click on the secure PDF attachment or click this link.

2. When prompted, enter the last 4 digits of your social security number for your password.

* Please note the above attachment link will expire in 90 days of receiving this message.

If you are not the intended recipient, please unsubscribe by clicking on the link at the bottom of this communication.

If you have any questions about your secured eNotice or need assistance, please contact us.

Sincerely, XXXX XXXX XXXX XXXX .
On XX/XX/XXXX, 2017, I transferred a balance from a XXXX XXXX to a XXXX card offering a better interest rate. By the end of the month it was shown reflected correctly by two of the three credit bureaus. TransUnion to date has not corrected the balance to the visa card, despite filing 6 disputes through XXXX and one filed directly with them. I have contacted my bank twice and they assure me that they are indeed reporting the update to all three credit bureaus. Since two have managed to report the change accurately, I believe my bank. Transunion meanwhile is reporting the transfer to XXXX, however is still reporting the same amount still owed to XXXX. Needless to say my Transunion score is about 100 points less because of excessive credit card use.
Loan orginated XX/XX/XXXX for {$400.00} 1st scheduled payment due XX/XX/XXXX for {$230.00}. Payment was not debited from my Savings account as previously arranged. Never presented to the Credit Union,  verified that the amount was never attempted to be collected. Company reports on their site that it was returned - obvious lie. My account # was reported as XXXX, it was verified as XXXX. The Credit Union says the XXXX 's are not mandatory. I have made phone calls to see why the payment was not processed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their representatives have done " three-way '' calls with my Credit Union on two separate occasions ( XX/XX/XXXX and XX/XX/XXXX ). I have faxed my bank statement verifying the account and funds still being there on XX/XX/XXXX.
A second level representative allowed the bank statement verification and resubmitted the payment debit for XX/XX/XXXX. To date the payment has not been taken from the account.
I believe they are deceptively not following their directives in order to take advantage of the borrower. I now have been charged fees, and the interest rate continues to climb. I am not able to resolve the issue with them and I would like to pay and close the loan.
There is a charge on my acct says opened XX/XX/XXXX and reported XX/XX/XXXX this is not mine.
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT. EQUIFAX FILE CONFIRMATION # XXXX
CRA and HIPAA violations. I have no knowledge of the fraudulent collection activities on my Equifax credit report. FTC Identity Theft Report No. : XXXX
XX/XX/XXXX I sent XXXX 609 letter asking them to provide me with original documentation from two companies ( XXXX XXXX XXXX and XXXX/Walmart ). They responded to my dispute in a timely manner ( XX/XX/XXXX ), however they did not provided 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 ) or promptly delete inaccurate information as it states under Section 611 ( 5 ) ( A ) of the FCRA. Their response was " The company that reported the information has certified to XXXX that the information is accurate. '' XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, in response to the 609 letter from XXXX, stating they were unable to locate my account because the credit bureau doesn't disclose the full account information and asked me to help verify the debt for them. I sent this letter to XXXX and ask them their methods of verifying the accounts and how was this account verified if XXXX couldn't verify it. How can they certify to XXXX that the information is accurate. XXXX  didn't respond. 

XX/XX/XXXX, I received a letter from XXXX XXXX XXXX in regards to the XXXX/Walmart account that is reporting on my report. Included was a letter from XXXX stated that the account was sold to XXXX XXXX XXXX and I should address my concerns with them. XXXX XXXX XXXX told me they received and processed my dispute ( 609 letter ) and the information is accurate. Failing to provide me with a original contractual agreement that I am obligated to pay the balance that they say I owe. They sent me information that can be publicly access through my credit report, via permissible authorization because they're a collection agency. 

All parties have FAILED to provide me with the information I asked for which is : Original physical documentation that proves that I owe the debt : 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 : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : These are violations Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act and as a consumer I am highly upset and offended that these companies do not take the law very seriously.
I bank with Regions, and recently, my debit card was somehow compromised. I think it may have been because of a skimmer, I just don't know where it would have been. On XX/XX/XXXX, I noticed multiple charges to my account that I did not make after checking my account balance because my debit card got declined. There was a cleared charge from XX/XX/XXXX from " XXXX XXXX '' in XXXX, IL for {$1.00}. XXXX XXXX seems to be a car wash vacuum from what I can tell, or something of that nature. There were also pending charges for XX/XX/XXXX from a XXXX  XXXX store in XXXX, IL, as well as two charges to a XXXX 's store in XXXX, IL, and a water park called XXXX XXXX XXXX in XXXX XXXX, IN. I live in XXXX XXXX, IL, which is at least two hours away from the XXXX area that the cities of XXXX and XXXX are located in, and a similar distance from XXXX XXXX, IN. I live and work in XXXX XXXX, IL and have not been anywhere near these cities for quite some time ( and have actually never visited them even when I have been in that area ), so it would have been impossible for me to make these charges myself. When I noticed the charges, I immediately left work and went to my local Regions branch to see what I could do. I was told to wait until the pending charges cleared and to come back when that happened to file a claim against the charges for fraud. They did cancel and destroy my debit card at that time. The charges did not clear until I believe XX/XX/XXXX, and I was unable to get back to the branch until XX/XX/XXXX. On XX/XX/XXXX, I went into the branch and made the claim. I tried to also order a new debit card but because the charges had cleared out my account, my account was noted with a " soft close '' and was told I had to wait until my account was funded again to order a new debit card. I got paid via direct deposit on XX/XX/XXXX, and attempted again to order a new card, but was told my pay was still pending and the account would not show as opened again until it cleared. On XX/XX/XXXX I went back and the pay had cleared and my account was opened, so they ordered a new card. On XX/XX/XXXX, I received a letter from Regions detailing the charges I filed a claim against and that they would not be refunding me for the charges. Under each charge, the reason was, " Transaction verified with your card credentials. No report of card loss, theft or compromise. Transaction passed fraud analysis. '' I find this completely unacceptable, especially given my transaction history shows charges that I was, in fact, making myself in my home area when the fraudulent charges were also being made. On my statement, I've highlighted the fraudulent charges. On the statement, the XXXX XXXX charge ( {$1.00}, XXXX, IL ) is posted for XXXX. The XXXX XXXX charge ( {$23.00}, XXXX, IL ), the two XXXX 's charges ( {$21.00} and {$8.00}, XXXX, IL ), and the XXXX XXXX XXXX charge ( {$36.00}, XXXX XXXX, IN ) are posted for XXXX. On the letter I received from Regions, the XXXX XXXX charge is listed as XXXX, the XXXX XXXX XXXX and XXXX 's charges are listed as XXXX, and the XXXX  XXXX charge is listed as XXXX. I will try to attach that was well if I am able.
Our firm, XXXX XXXX, XXXX, has been monitoring our client 's request for mortgage assistance to Shellpoint to ensure Shellpoint 's compliance with Regulation X. We sent Shellpoint our client 's complete Request for Mortgage Assistance Application via facsimile on XXXX XXXX, 2016. Additionally, a hard copy of the application and supporting documents were mailed via certified mail [ Tracking No. : XXXX XXXX XXXX XXXX XXXX ] to the address designated by Shellpoint for Loss Mitigation applications on XXXX XXXX, 2016. According to the U.S. Postal Service, Shellpoint received the hard copy application and documents on XXXX XXXX, 2016. At both the time the application was sent by us and received by Shellpoint, there was no foreclosure sale date scheduled for the property. Accordingly, the application was received more than 45 days before a scheduled sale date. Moreover, we sent a Request for Information ( " RFI '' ) to the address designated by Shellpoint on its website for such correspondence on XXXX XXXX, 2016 asking Shellpoint to determine whether the application submitted was complete or incomplete and to provide a list of any documents missing if any. 
Despite being required to send written acknowledgement of a complete or incomplete package after receipt and to respond to the Borrower 's RFI under Regulation X, Shellpoint has failed do either. As of the date of this complaint, Shellpoint has failed to send any written acknowledgement of the Borrower 's application or any written response to the Borrower 's RFI as is required under Regulation X. Due to its failure to acknowledge our client 's application package, we subsequently sent Shellpoint a Notice of Error ( " NOE '' ) on XXXX XXXX, 2016. As of the date of this complaint, we have not received any written acknowledgement or response to our NOE either. Even more unnerving than Shellpoint 's failure to acknowledge receiving the Borrower 's application is its blatant disregard for its responsibility to take any steps available to stay foreclosure proceedings as it completes the review of the application. 
While it is well settled that servicers shall instruct their counsel to take any necessary action ( s ) available to stay a pending foreclosure proceeding as a review is completed, Shellpoint has clearly failed to do. Instead, its counsel has pushed forward with the foreclosure against our client and insisted the trial go on as scheduled for XXXX XXXX, 2016. We put both Shellpoint and its counsel on notice of its failure to take any action to stay the proceeding due to the application review by sending an additional NOE to Shellpoint and handing its counsel a copy in open court. Notwithstanding the foregoing, Shellpoint 's counsel continues to insist we move forward with the trial, which is set to continue every day for the next few weeks. We believe Shellpoint is blatantly disregarding its responsibilities owed to our client pursuant to Regulation X and is brazenly engaging in the prohibited practice of dual-tracking each and every day that the trial proceeds while the review of our client 's loss mitigation application is still pending.
Hi - I have a mortgage loan ( for $ XXXX ) with Stearns Lending which I was making payment on time via auto pay. 

Got a " loan transfer '' notice from XXXX XXXX stating that the loan has been transferred to them by Stearns Lending as of XX/XX/XXXX and I have a statement from them stating the loan is due as of XX/XX/XXXX and will be late after XX/XX/XXXX. 

However, I did not receive a 'payoff ' or 'loan transfer ' statement from Stearns Lending and according to their customer service, my loan is STILL with them and I have a statement with payment due as of XX/XX/XXXX and will be late after XX/XX/XXXX. 

I spent 1 hour on a conference call today ( XX/XX/XXXX ) with both the banks and Stearns is saying they did not transfer the loan and XXXX is saying they have my loan now and I owe payment to both the banks. 

So right now, this loan is claimed by two banks ( Stearns and XXXX ) demanding me to make two mortgage payments on 1 loan. 

Can you please take a look at the case and help me make payment only once and to the rightful owner of the loan? Also, can you please process the request quickly as I will be late on my payments after XX/XX/XXXX. 


Best, XXXX.
Collection Consultants have reported XXXX medical collections on my credit report that should not have been reported for several reasons. 1- I have insurance and the medical bills were 100 % covered by my medical insurance. Any bill that would have not been paid XXXX 100 % I did not agree with and I would have disputed. 2- I was never notified that they were attempting to collect a debt. Collection Consultants made NO EFFORT at all to reach me and validate these XXXX minor medical collections. I have lived at the same address for several years and have received no correspondence from them at all nor any verbal communication. As they never validated this debt they do not legally own the debt and to not have a right to report something they do not own. I have had the same phone # for 15 years. This is in violation of both FCRA and the Fair Debt Collection Practices Act. 3- they NY Attorney General has settled with the reporting agencies regarding medical collection accounts.
I received a notice from XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/2018 stating they we're going to place a levy on my bank account if I didn't pay the amount owed. I called and paid in full the amount on XX/XX/2018. They assured me they would notify my bank of the release. On XX/XX/2018, they placed a levy on my account even though the full amount was paid 57 days earlier. No release was ever sent to my bank. I suffered declined transactions, and reversed transactions through my bank along with fees. This is unacceptable.
I updated my email through the Kohls website and they were not sending me my statements. It appears they have charged my account over XXXX dollars in late fees, and did not notify me they had not been receiving my payments on time. I had no way to determine they were not receiving them onetime since the statements did not come to me. and the payments are automatically withdrawn from my checking account each month. I asked if they would assist me and they said NO. I want some assistance in having these fees removed/reversed.
On XX/XX/XXXX, I was taking care of some personal business at my credit union and I had a few missed calls. One on the calls had said " Debt Collector '' with no phone number listed. Out of curiosity I pushed the button on my XXXX and there was a lady that answer the phone. When she answered she said is this XXXX XXXX and I said no, this is XXXX XXXX. She stated that she was calling to collect a debt and I told her I don't owe anyone so you have you can't be referring to me I pay my bills. 

She then said, " You owe XXXXXXXX XXXX XXXXXXXX {$230.00} and I wan na know what you want to do with this bill ''. I told her I have not been to XXXX XXXX XXXX. She said we have had this bill since XX/XX/XXXXand I wan na know how you want to pay it. I said, XX/XX/XXXX are you kidding me, first of all I need you to send me a copy of this bill so I can see what it is I am supposed to be paying for. She said we already mailed you a copy twice. I stated I have not received any bills from XXXX XXXX XXXX. She then got nasty stating, " You have a good day '' and hung up the phone. 

I then called back to get information regarding who this company was and she hung up the phone. I then called back about 5 minutes later to find out who this company was and a male person answered the phone and when I told him what happened he hung up on me as well. Neither of them EVER stated the name of the business nor were they professional in ANY way... answering the phone with a simple " Hello ''. I was unable to find the name of the company even through a XXXX search. 

However, on XX/XX/XXXX I received an email from XX/XX/XXXX that there had been a change to my credit report and they suggested I log in to view the change. Then on XX/XX/XXXX I received an additional alert from Experian and XXXX XXXX as well. I logged in on today XX/XX/XXXX because I received an alert email from XXXX as well. When I logged in I notice that there has been a collection account added to my credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IN for {$230.00} and there is an N/A under the business type. I want this information removed from my credit report immediately and this inquiry conducted in a business matter by sending me a bill so that I can either confirm or deny that this is my bill and get the chance to dispute it as I requested, Whoever this person is that is handling this account I want them removed from it and another who has some business ethics and professionalism so that I can get this matter resolved.
My wife and I both had XXXX accounts with XXXX XXXX. I am listed as the primary on my XXXX and my wife is listed as an authorized user. My wife 's account list her as the primary and I am listed as an authorized user. My wife XXXX XXXX X/XX/17. I notified XXXX of her XXXX and asked that they close the account. XXXX made an un-authorized change to my wife 's account changing me from an authorized user to the primary. I have asked multiple XXXX representative how this has happened without any explanation. I have also requested for a copy of the application and they claimed they may not have it. My wife XXXX XXXX  without an estate to pay her debt. Since I am not a co-signer to the debt and only an authorized user I can not be held responsible for her debt. To date XXXX has removed my wife 's name from her account which shows they recognized her XXXX and wanted to quickly change responsibility to someone else. They had closed the account and within the last month they re-opened the account to an open status. My account still has my wife 's name as an authorized user but it has a closed status.
The recent Equifax disaster and the handling of millions of people 's personal information being hacked and available for any person with ill will. Almost every American adult has now become vulnerable to financial ruin due to what is supposed to be a organization representing a pillar of trust failing to handle the personal information of almost every single adult American. What I have a problem with specifically, is the fact that I have no choice but to do business with them. I never signed anything saying any of the bureaus can have all of my personal info, but yet ALL of them have it just because that 's the way it works. And for them to act so nonchalant and not even alert the general public for weeks after the actual hack is absolutely ridiculous. And on top of that, there are reports that days after the hack, there were several Equifax executives that sold off stock because they knew their stock was going to tank. This is the dirtiest way of doing business and even though I know that they will get nothing more than a slap on the wrist from our government, I would love to see them get smacked with something that will actually make them hurt financially or even go under because this entire situation is unacceptable.
I h ad  XXXX    XXXX   XXXX  accounts that were included in my  2013 Ba nkruptcy that was  discharged yea rs ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  XXXX   XXXX  claims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!