WillisBack/dataset-financial-user-claim huggingface dataset:
Th is debt has not been " VALIDATED '' you did n't give me the opportunity to validate before add ing it to my credit reports. YOU ARE I N VIOLATION OF FCRA and FDCPA laws. Its evident that United Collection Service do n't have proper documentation to collect this invalid debt. You do not have access to files allegedly SIGNED by me, because I do n't recall signing any documents ; which is why I 'm requesting the documents that " I signed '' from United Collection Service. I have the right to request documentation with my physical signature ; as ide ntity theft is at an all time high. I 've sent a complaint to BBB as well as I 'm in  XXXX  with the tactics of this company and how they 're destroying my credit worthiness. Feel free to respond to this complaint with  '' HIPPA RELEASE '' - Medical records and or Documents signed by me. If United Collection Service have a right to collect, they have a duty to produce legitim ate validation. Until I receive documentation requested ; my HIPPA rights are being viola ted. Producing a statement from some medical facility with diagnosis codes, procedures, a date of birth, and address does not validate this debt as mine. Your acts are damaging and disheartening. THIS IS NOT MY DEBT.. However if this can not be fixed within 5 days I have no choice but to file a HIPAA complaint with  XXXX
XXXX sent me to collections immediately after I cancelled my service, I returned their Booster equipment and received credit, paid the remaining {$500.00}, via payments on my credit card. Since then, i 've been contacted by XXXX different collection agencies. XXXX telling me I owe over {$1800.00} to the last XXXX stating I owe over {$800.00}. I have been getting calls as early as XXXX and as late as XXXX, 7 days a week and they have started contacting my employer. I am now on a written warning regarding this issue. When I call I get threatened, obscenities and being told " too stupid to pay my bils ''. I left a final message with them demanding a formal notification of the debt, with proof from XXXX that it has not been paid. I NEED the calls to stop, it has begun to cause my migraines to increase limiting the days i am able to work. 
When I spoke to XXXX on XXXX, I was told they have no record of my debt owed ... so I have no idea what to do. I know I paid off XXXX., they are attacking my credit, my home and now my work.
Received correspondence from Gamache and Myers on XXXX/XXXX/15 stating they are attempting to collect a debt for XXXX XXXX XXXX. Responded via certified letter to G & M requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that G & M has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit.
They use a robo phone to contact me and threaten mme with a XXXX year old debt that 's not even mine. 

They harass me all day and will not provide any documentation as to what the debt is XXXX on a Visa card??? That 's what they say I owe. That 's fraudulent
There are two accounts with this bank that are included in a chapter XXXX bankruptcy that has been XXXX. The bankruptcy was under my wife 's name and I was awarded a community discharge as a result. The bank did not show up to the meeting of creditors nor did they respond to the notice with any issues they had. Now that this has been XXXX they are refusing to remove this from my credit report or update the status in any way. They told me on the phone that because of the bankruptcy they would not be able to try and collect the amount due but I was still liable for the account. How can this be? They are not able to take payment for the account but it stays on my credit report forever and there is no way for me to move past it? Per what I was told by my lawyer and also the trustee overseeing the bankruptcy this account should be removed from my credit as of XX/XX/2018. I am submitting this complaint as a last attempt to resolve this matter, my next move will be to re hire my lawyer and move towards more aggressive legal actions. I am asking that both accounts be removed from my credit report immediately.
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Hello, I am requesting that third party apps have access to my financial data so that I can utilize the varies utilities each offers. " CapitalOne is BLOCKING you from enabling external applications.
Hello there, I am XXXX XXXX I had the credit card with company with a payment charge {$26.00} on my credit on XX/XX/XXXX. However I did not receive any notice and continued billed the late fee and interest on this amount. Here is the situations. 1 ) Mail communication. The company claimed they sent mail to me and returned back to tham. I check my profile online. It has my old address there. However, the company changed web site last year. Everytime I changed my address under profile. It went through smoothly. Nothing is wrong or warning there. But when I checked it out the next day. I still had my old address under profile. I found this out on XX/XX/XXXX after i found I was charged so much money on my credit card. In other words, the company has one unfunctional web site to update customer address. I also bak account and retirement account with the same company. I can not understand why the company find the address information from there. So far, my address is still old address under profile. 2 ) Phone communication I have two phone number there XXXX and XXXX. Nobody called me if you they had mail returned. If one communication way was blocked. They just charged the money on credit card and kept it. 3 ) email communication I have email address on file. I still received bak statement every month. I never receive any email from credit card department about my bill or mail return notification. The second communication is never used. In short, their company new web site from XX/XX/XXXX does not function at all. I can not change my mailing address online. Three ways for the communication become one way communication with month by month charge on my credit. I do not know if the company did that on purpose. I require the company to change my address to the correct address and refund the money back. I paid $ XXXX $ XXXX {$94.00} for the actual charge {$26.00} I require the refund the difference {$67.00} and make your company web site workable. My wife online account was also locked for almost one year and for the credit card web site, the company offer two different website from XX/XX/XXXX. It is ridiculous. It is a totally mess for the online credit card management. Please also correct the credit report for me. 
Regards, XXXX XXXX
The servicing of my loan ( XXXX XXXX ) was transferred from XXXX XXXX ( loan # XXXX ) to Loan Care Servicing ( loan # XXXX ) XX/XX/2016. I made my scheduled XX/XX/2016 payment to XXXX mortgage on time but my new servicer ( loan Care ) is not giving me credit, they claim the payment has not been forwarded as required. XXXX XXXX claims it was sent 2 business days after receiving my XX/XX/XXXX payment. I am now receiving threatening letters and loss mitigation threats to perform by Loan Care. I have contacted both companies and each has not helped, my credit is now in jeopardy even though I have made all payments on time. I am being coerced into making additional payments that are not due to avoid damaging my credit. A 30 day late mortgage payment would have lasting consequences to my credit and cause serious financial damage.
XXXX has been non-compliant with removing the unverified account SPRINGLF FIN which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that SPRINGLF FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
XXXX would not honor an offer to credit {$50.00} back on purchase of {$250.00} or more at XXXX. The XXXX offer is titled XXXX XXXX XXXX XXXX Spend {$250.00} or more, Get {$50.00} Back. Click once on the offer in the XXXX app and the text above is repeated. It also mentions 'Multiple Locations '. The same page states, ' ... after you pay for your stay with XXXX XXXXXXXX XXXX XXXX from XXXXXX/XX/2017. Book directly with XXXX XXXX XXXX XXXX ... '. Still no mention of it applying to any specific brand only. The XXXX Rep stated it was for XXXX XXXX. 

No mention that XXXX is excluded as of yet. 

There is a map on the same page. It highlights XXXX locations in my current proximity. Neither of those highlighted are embassy suites. They are both XXXX branded. 

Only when I click on the full terms do I see any specific brands listed. It excludes every XXXX brand I can think of, XXXX XXXX too! 

Excludes XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX by XXXX, XXXX - XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX and XXXX XXXX XXXX. 

List of XXXX brands from their website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have ask EQUIFAX XXXX times, to provide me with a copy of the original signed credit application and signed contract to provide proper verification of the account listed below. Per FCRA sec 609 ACCOUNT : XXXX XXXX ACCOUNT NUMBER : # XXXX
Contacted XXXX XXXX XXXX customer service on XX/XX/XXXX via telephone regarding an account that is listed negatively on my credit report. The account is listed as being collected on by Pro-Collect FOR XXXX XXXX XXXX. Being that I have NO contract with ProCollect, I contacted XXXX to see what my options were to resolve this. I spoke with XXXX in customer service at XXXX XXXX XXXX. I was told by XXXX that she thinks the account is in collections with ProCollect and she is not sure how I would pay. XXXX went on further to say ProCollect does not collect for them anymore AND no one does at this time.
PURCHASED XXXX USED XXXX XXXX XXXX FROM US AUTO SALES IN XXXX GA, XXXX 2014. HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO XXXX FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE XXXX. THEY HAVE BEEN REPORTING XXXX AND XXXX WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL THREE BUREAUS. I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF XXXX XXXX  HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH XXXX AND XXXX XXXX FOR OVER A YEAR, AND XXXX IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER ONE HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS. XXXX WHO WORKS WITH XXXX XXXX { LAWYER } FOR US AUTO SALES IN XXXX GA. I AM XXXX US XXXX AND XXXX VET. HAVING XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION.. <P/>RESPECTFULLY,.
My credit records were merged with my younger brothers, which made my credit score much lower than what is was supposed to be. My name is XXXX XXXX XXXX and my younger brother 's name WAS XXXX XXXX XXXX ( He had to switch the name when we faced this issue ). 
My social security number is only different by XXXX digit at the very end. Mine is XXXX and his is XXXX. I have contacted the Equifax multiple times to fix it. While XXXX and XXXX fixed the problem for me right away. I still had this issue with XXXX and it is costing me money ( have been paying higher interest rate and lost opportunity to apply for the loans/credit related products ). 
I had to submit multiple disputes and still I seem to have the problem. I never did something that will impact my score negatively. It was all happened somewhere else and it damaged my financial stability, time, and efforts to fix it. 
Please look into this for me. Thank you.
In the XXXX statement for the Union Plus charge card managed by Capitol One bank,  there were fraudulent charges for items that we had not purchased. We contacted the bank and told them that these charges were fraudulent. We received a letter from Capital One stating that " We want to assure you that you won't be liable for any unauthorized charges. '' And this letter stated that our account was refunded for the unauthorized charges. We thought that the matter was taken care of. On our new statement the fraudulent charges are back and we are being asked to pay these charges, even though they are still fraudulent.
I discovered in   XXXX  , that there was a student loan attributed to me on my credit report. i have never had a loan of any sort. I had contacted th e Dept. of Ed. a nd received a packet that had an verification form to sign and notarize that this was not my loan. I signed it and sent it back, but yet they claim that this is not good enough. i have contact ed Coast Prof. Inc ( debt collector ) s everal times, as reflected in the attached correspondence, to no avail of resolution. i requested the promissory note, and have not received that either. I did my own investigation with the IRS to see if there were any tax records of my employment as I was in  XXXX   XXXX  at the time that this loan was taken out. The loan was for  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX , and I was not there at the time, nor have I ever pursued such an education. The  XXXX  credit report assigned an address code to that loan that was never an address assigned to me on the same report. The results from the IRS inquiry was inconclusive because ;  1 ) T hey do not keep records for that long, a nd 2 ) my  social security number was not returned to my name.     Additionally, I am barred from seeking any student loan as I have a felony on my record, the address of my incarceration is also on  XXXX  the enclosed  XXXX  report.      Coast Prof  has repeated refused to respond to me, and has refused to submit documentation to me and insists, without evidence that is my loan.     If this issue can not be resolved with the CPFB, I will be forced to seek counsel on this matter and take the issue to court.       sincerely,  XXXX   XXXX
I am trying to temporarily lift a freeze on my Equifax credit report that I placed as a result of the security breech that occurred at Equifax. Equifax has incorrect information that is making it impossible to establish my identity and access my account to lift the freeze.
XXXX Services do not allow for services to be rendered before being paid. This was a paid account. Somehow on XX/XX/XXXX they believe I owe an unpaid emergency services debt. I have never been to emergency with my daughter unless it was paid so this must be someone elses report. 


XXXX account reported on XX/XX/XXXXOpenAccount # XXXX $ XXXX Creditor $ XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNote
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit  Bureaus. XXXX XXXX XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
I open an account with this CC back in XXXX and have been on time with my monthly payment till I closed my account in XXXX. I recently shopping for tires online and the website that I going to buy those tires offer finance and its the same CC but I was denied even if I have been on time paying my bills with the same CC company. This just prove that Credit history is really not important
There is an incorrect address on my credit report. It appears my address number and apt number were merged together
I applied for assistance on my home loan on XXXX of 2015. Since I submitted my request for review, I have been assigned XXXX representatives, I was sent letters of any missing documents, in which I returned all items as requested. I was contacted in XXXX of 2015 and advised that I had been approved for the Hamp Trial Program. I did not agree with the offer, since the payments were still too high for my fixed income. I requested an appeal on XXXX XXXX, and no response has been provided. On XXXX XXXX, 2015, I received a letter from Wells Fargo dated, XXXX XXXX, 2015, stating that my payment would increase from {$560.00} to {$1000.00} a month, effective XXXX XXXX, 2015. No explanation was given to as why there was an increase or at least a 30 day notice. When I spoke to the representative at Wells Fargo, she was unable to advise to why the increase and unable to provide status of appeal. In addition, prior to starting the review, I set up an escrow account for taxes and insurance and I was told by the representative that I could cancel in the event the hamp program was not accepted.
I have sent a letter asking XXXX to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my credit report.
This goes to TRANSUNION and XXXX my credit was ruined by several illegal companies, I have told you both for years to send me proof you have not. I have sent you XXXX and XXXX office a letter saying inparticular XXXX CREDIT CARD was owned and started by XXXX XXXX in XX/XX/XXXX I was an authorized user only in XXXX. I have provided you with a letter from XXXX XXXX who states this, also you also DID NOT mention fact the card was also identity theft and i sent paperwork to you XXXX, you have not complied with sending me any FORMAL signed paperwork to me from XXXX in four years or recently from consumerfinance.gov filings, # XXXX, XXXX. I however have. Federal Trade Commission and other government agencies and consumerfinance.gov not only do not look kindly on XXXX BANK not providing proof I Was a co-owner of card or authorized user only, but not shown you second reason card does not belong on account which is fact It was identity theft. Both TRANSUNION and XXXX are in direct violation of conspiring to embezzlement with XXXX BANK by not removing me from my credit for four years. I also sent a letter over a month ago FEDERAL TRADE COMMISSION approved telling TRANSUNION and XXXX it has not complied with these laws for year ruining my health, credit score and job score and then some. And when XXXX BANK was removed you allowed them to go bank on costing me over XXXX points in one week combined with XXXX crediting companies. I Am building a huge case against XXXX BANK for several other issues, if TRANSUNION wants to continue or its employees breaking the law, now that I will have all crediting companies employees involved with not handling these issues last years properly investigated, fined and more in my case I have against XXXX in over XXXX bank, credit card and bad faith insurance issues. I am sending this to XXXX in which they were sent the 30 day compliance letter over 50 days ago. I suggest TRANSUNION and XXXX call me asap at XXXX with a correct number and be ready to settle this or you will be put into the case I have against, XXXX BANK, XXXX BANK only sent you a letter they did not send any proof, anyone can write a letter from an establishment but if I was a co-owner where is my signed XXXX BANK CREDIT CARD co owner paperwork, plus the card was identity theft, KNOW THE LAW. You are breaking it, I de nounce your other consumerfinance.gov responses is treason, conspiring to commit fraud, embezzlement, possible taking of bribes, breaking federal trade and other regulation laws. And at this time, 4 years of bad credit scoring could cost TRANSUNION and XXXX millions of dollars and fines and employment loss and bad media coverage if not handled immediatley. I spent hours and hours trying to handle this you need call me and do the right thing, XXXX BANK is being sued for over {>= $1,000,000}, if you want to join this issue then do n't comply, it only proves my case more and hurts your credit companies that much more. XXXX XXXX XXXX
XXXX XXXX XXXX ( Part of the XXXX XXXX ) charged me an additional {$50.00} in fees to generate payoff amount requests which were produced online. There was no mention of these fees when it was requested, via online account access. Besides, the payoff request was generated on their website which I printed out after the 2nd attempt, but they also sent me mailed copies. The first attempt, the website was unresponsive, but SLS still managed to charge me for that request. This is a deceptive practice and I should not be held liable for these extra fees.
XXXX XXXX, XXXX sent me a letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Phone number XXXX. 

Original Account : XXXX. Their Account # : XXXX Charge -Off Date : XX/XX/XXXX. Principal Balance : {$1300.00}. Balance Due : {$2200.00}. Interest Balance {$850.00}. 

Pinnacle Credit Services LLC and different creditors have been contacting me about this account and my responses are not good enough. I do not owe the company this money! 

If it is XXXX XXXX BANK CREDIT CARD COMPANY, THEN WHY DO I CONTINUE TO RECEIVE MONEY OFFERS " PILING UP '' IN MY MAILBOXES FOR THEM TO LOAN ME MONEY WHEN I HAVEN'T REQUESTED ANY CREDIT CARD SERVICES. I HAVE A SAVED UP HUGE STACK OF OFFERS FROM XXXX. 

I have written to different companies who have purchased the above account to harass me. 

This company has a delinquent date listed as as XXXX. I paid them if I ever owned a credit card from them. 

Why would the company wait many years after the fact, when I lived at the same address for 12 years and never received any extracurricular or outstanding bills? 

I am tired of this company continually harassing me. 

I dispute the bill. 

XXXX is their number.
Wells Fargo is AGAIN, continuing it well documented XXXX XXXX negligent reckless XXXX suppression conduct. Per the attached documentation, I was provided with a modification of my mortgage Equity line of credit XX/XX/XXXX to start with the trial payment of {$580.00} XX/XX/XXXX. I accepted the offer and have made EVERY payment on the trail period, and the actual approved equity line modification to date XX/XX/XXXX. 

The previous monthly payment amount of as shown on the attached XXXX credit report dated XX/XX/XXXX was {$1600.00} per month which NO LONGER existed starting XX/XX/XXXX per the loan modification approval letter, and above mentioned payments ... 

On my most recent credit report dated XX/XX/XXXX, Wells Fargo is showing me as paying late from XX/XX/XXXX to XX/XX/XXXX which is incorrect relative to the attached  loan modification approval letter document, and equity line mortgage document agreement signed between us!