WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act,  XXXXode 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
I am 100 % debt free and have been for years. 
A XXXX XXXX XXXX 
XXXX left a long message on my landline about my debt. I was going to call them but decided to check them on the internet. What I found was once a person calls them their calls become numerous. So I have turned off my answer machine because I think once the machine picks up it is recorded as a response. 
I do have caller ID. 
A XXXX XXXX . continues to call me. I want those calls to stop.
I have linked an external bank account with my Capital One account. During that process I had to verify the external account through Capital One by trial deposit, which was successful, I also made a few transfers with no delay. On XXXX I initiated a transfer of {$1000.00} from Capital One to the external account. I received a confirmation that it would be completed by XXXX. Shortly after I received a call and an email from Capital One regarding the transfer. The email informed that my external transfer had been suspended. I immediately called Capital One to rectify the issue. I spoke with an agent that told me there was no longer a suspension on the account and the funds would be available to me on XXXX. On this date the funds were not available and I called them back. At this time I was informed the funds would be available to me on XXXX. This also did not happen. I called again and was told that everything was fine. Later I was told that the transfer had been reversed. I called again and spoke with an agent and a supervisor asking why the transfer wasnt processed and was told, I hadnt called in time for the fraud dpt to verify the account. By this time I had called at least 4 times. I asked the supervisor if he would be able to expedite the transfer because at this time I was receiving bounce check fees from the other bank. He told me he couldnt and I would have to reschedule the transfer. What he hadnt told me was that Capital One had removed my external accounts from my profile which made it impossible to schedule a transfer. During the call in which I spoke with a manager I asked to have a letter written on my behalf from Capital One explaining this was a bank error and that they refund me the fees I was charged from the external account. He told me he would have to escalate the situation and upon review of the previous recorded calls they would make a determination. I received a call from their escalations team in which I was told there would be no refund or letter. I asked the agent if the previous calls were pulled and taken into consideration before the decision. She informed me the decision was made based on agent notes and the calls were not pulled. I have made every possible attempt to have this transfer processed in the timeframe the bank promised. I have called almost every day of the week of this transfer to rectify and was not told until after the date the bank promised that there was still an ongoing issue. I called specifically requesting to speak with the fraud dpt and was assured that there was no need to do so. Capital One has failed to provide a reasonable explanation as to why their agents were unable to identify that there was an ongoing issue or that the external accounts were removed from my profile when a supervisor instructed me to reschedule the transfer. This has caused me undue stress, aggravation, time spent trying to resolve and now my financial reputation is being tarnished at my new financial institution with no offer for correction on my behalf from Capital One as they have dropped the ball and expect me to pick up the fees and unwanted negative standing with my new bank.
This company has called repeatedly, indicating we have a debt with XXXX. They insist on asking for date of birth and social security number and advise calls are being recorded. I state to them we have no debt to that company, and if so, send the support to us so we can review it.
I took out a loan with Salliemae before they spilt with XXXX. I took out what was recommended for my studies and now I will be paying for it the rest of my life. Salliemae and XXXX began charging me ( without warning ) almost {$1000.00} per month for my loans. I had not found a job in my field yet and was already struggling to meet my other bills so on XXXX when my first payment was taken out all of my money was gone and then some. I called and tried to get help but they told me they could not lower payments and could n't work with me. So I was forced to go on deferment as my over 10 % interest rate continued tacking on money to my already sizable loan for a full year. Every month I would call and plead with them to help me get on an income based repayment plan but every time they refused and advised me that, because I was able to pay them {$100.00} every time I went on deferment, that they could n't help so I should just default. I had run out of deferments after a year and was billed once again for almost {$1000.00} ( which I could not afford ) and so I had to default on my loan. A day after my bill was supposed to be due I received a call from a Salliemae representative asking why I had not paid. When I explained the above their response was " Well I do n't know why we would advise you to default, we want to help you repay your loans '' and it was at this point that they finally let me get on an income based program with a lower interest rate. 
However I find that I am not making a dent in what has now become almost {$100000.00} in debt due to my year of deferment and my default. The payments are still unreasonable and at this point Im basically paying off interest rather than the actual loan. 
My school ( XXXX XXXX XXXX XXXX XXXX ) was no better at helping than Salliemae or XXXX. The school gave us no assistance with finding a job after graduation even though there were promises to send us offers or recommendations. It became abundantly clear that the school was in it to make money, not turn out media professionals that it claimed to have done. The curriculum was a joke during my second year and if it was n't for having a few teachers who did n't want to XXXX us over I would n't have learned anything or gained experience that I needed to find my first job ( on my own about 8 months after graduation mind you ). 
Salliemae and XXXX have given false advise and no help when it was desperately needed that has effected my credit score, my ability to get loans in the future, and my general overall well being. XXXX did not provide the education promised which led me to have to fight to get an entry level job in my desired field.
I DISPUTED THIS ACCOUNT AND ASKED FOR VERIFICATION THAT THIS IS MY ACCOUNT AND HAVE NOT BEEN PROVIDED WITH PROPER VERIFICATION THE AMOUNT IS SHOWING {$330.00}. THE DIVERSIFIED ACCOUNT IS REPORTING ON MY REPORT XXXX DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE
I am XXXX XXXX military. I moved from XXXX XXXX to XXXX in XX/XX/XXXX. I had XXXX and had suspended the contract. Occasionally I would come back to the states to visit family and do military training and would activate my phone. I then deactivated it when I would travel back to XXXX. Apparently they did not honor my deactivation on one occasion. I no longer had their services in XXXX and the phone bill ran up to XXXX dollars. I had this resolved once before with all three credit agencies and the collection was taken off. Just recently it showed up again in XX/XX/XXXX. I have been trying to get if removed again for these bogus charges for services not received service. Now I live in XXXX XXXX and do not use XXXX. 

Thank you, XXXX XXXX CONTRACT CALLERS INC XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$860.00} {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX
When trying to access an y credit score information regarding my credit account with Experian I get an error message after answerin g the verification questions repeatedly I even tried to access my annual credit report online and on experians website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   a ccounts are positively reporting with them so I know I have a file but every time I try to access my experian score on  freecreditscore o r on experian or   XXXX   scorecard I get locked out I need to be able to access my free experia n fico score I have similar problems with   XXXX    however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my   XXXX   XXXX   since we have reported that with the credit companies and an official change of address so I do  n't understand what is locking me out
XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Loan Numbers : XXXX, and XXXX. 

After retiring in XX/XX/XXXX, we ( XXXX and XXXX XXXX ) received information from our lender ; OCWEN Loan Servicing, LLC ; about the HARP Program. After months of processing ( from XX/XX/XXXX ), an agreement was made and we proceeded as follows : XX/XX/XXXX/XX/XX/XXXX ; finalized new Loan Terms XX/XX/XXXX XX/XX/XXXX ;  made agreed to four month payment plan XX/XX/XXXX ; commenced new HARP Loan payments ( continues to present ) XX/XX/XXXX ; noticed 2nd Trust Loan ( XXXX ) not consolidated as agreed XX/XX/XXXX ; received letter confirming 2nd ( Loan ) paid in full ; during prior agreements in XX/XX/XXXX XX/XX/XXXX ; received a request for payment from new creditor ( XXXX XXXX XXXX XXXX ) We contacted OCWEN Loan Servicing, LLC ; they indicated we would have to discuss with XXXX XXXX XXXX XXXX We contacted them and their position is we owe them the value of the original 2nd Loan. WE then discovered that they are a wholly owned subsidiary of OCWEN. We told them we have a letter stating the Loan was satisfied ; their position is it was only transferred to them. They have harassed us for payment ever sense. We do not know what we can do and the harassment is becoming very unsettling.
I believe that I am a victim of Identity theft. I have contacted the three credit bureaus ; and tried to dispute the unauthorized inquires. All I have been told by Equidfax is that " the inquires were factual information '' ; that I would need to contact the companies to have them send a letter to Equifax and advise the to delete them. I contacted all of the companies ; most states that " you don't have any accounts, and they could not delete the inquires ''. Even though I advised them that my identity was stole. I was able to get letters from " XXXX XXXX XXXX, and XXXX ''. They stated that they found no accounts for me ; and that they would send correspondence to Equifax to have the inquires removed. i also contacted Equifax ; and was advised that they will not delete the inquiry ; and I have to wait until it fails off ; although I faxed over the letters that the company sent me ; stating that the inquires were indeed fraud and unauthorized. May you please help me in having these fraudulent inquires deleted? I placed a fraud alert on my credit report ; and am trying to rebuild after this. XXXX, is listed FIVE different times on my report. I don't have an account with them ; nor have I personally applied for anything with them. XXXX XXXX, XXXX XXXX, are also not authorized ; I contacted XXXX, and they also stated that I have no account with them ; and that they did not see an inquiry ; but I explained that it's on my credit report. I was a victim of FRAUD. Someone stole my info ; as you see I have no accounts with any of those companies. Please help me in deleting these unauthorized fraudulent inquires from my report. I contacted XXXX   and Equifax ; and they helped me with out a problem. 

Thank you,
I took out a loan on internet with the company CashCall for {$2600.00} in XXXX of XXXX. About a month ago I called to ask for the balance. I was informed that my balance was XXXX and some change and that i had already paid XXXX in interest and it was due to be paid off in XXXX of XXXX. I then told the representative that this was ridiculous especially since i pay them XXXX a month and have so for the last 2 years. I then went on to tell the representative that at the end of the term i would be paying back around XXXX for XXXX that i borrowed. At the beginning of XXXX XXXX i closed my bank account, I feel I have paid this off at least XXXX in a sense and I had always paid with good faith and had always been in good standing with this company up until recently. I am at this time behind for the month of XXXX. I now get numerous phone calls throughout the day as well as several emails. Now my parents are receiving harrassing phone calls asking them for information because they have filed a suit against me. Dont know how they have information to contact my parents. This is only the beginning but feel that this will ruin my credit seeing they report to the Credit Bureau
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX XXXX Account # XXXX Im filing a complaint because this is not a valid debt and it shouldnt be in collection. This bill is stemming from a disagreement over an early termination fee. I was told in person by a representative that they had to put me in a contract for a promotion to take effect but that it would not have an early termination fee. They went over that two times to my face in person. I did not read the fine print because I completely trusted the representative. I cant help but feel completely duped here since I was misled by one of their Customer Support. 

I am in a very difficult situation now, being the only provider for the family. I have to work hard and provide everything for them. I have a sick mother to take care of and I need to buy a home that can accommodate her medical need and one that is in closer proximity to the treatment center she visits weekly. This collection account on my credit report is the only thing that is preventing me from moving forward on this. Its beyond frustrating.

I would sincerely appreciate if they would submit a request to remove this account from my credit history.
I didn't give authorization ( authorized ) to view / pull credit report " Identity Theft Victim '' ( Equifax Data Breach, etc )!!! 

XXXX!!! 
Inquiry details : Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank EQUIFAX!!! 
Inquiry details : XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New
TransUnion falsely said they verified a bankruptcy by verifying it through the courts. The courts do not talk to any third parties or credit agencies
I requested my consumer report from CoreLogic and they responded with a letter demanding the same information in addition to identification. My original inquiry included the following : My full name, Addresses, DOB, SSN, and a request in-print to obtain my credit report. Those things are sufficient to search the systems. They refused to provide my report without collecting additional unnecessary information.
Santander USA is not reporting the date the account became delinquent and after which it was never brought current. XX/XX/XXXX, I made my last payment to Santander. That payment was for XX/XX/XXXX. I paid Santander over {$11000.00} dollars and all I was paying was interest. 
XX/XX/XXXX, the account became delinquent and never became current. Santander is reporting XX/XX/XXXX, as the date became delinquent and never became current.
I co-signed a student loan for my step-grandson so he could attend XXXX College in XXXX XXXX XX/XX/XXXX after being XXXX, after he graduated from the school he moved to XXXX XXXX and lived there. We kept in touch with him and told him that he would have to start repaying the loans soon, he refused to do so and to make a long story short he ended up on the street. XXXX XXXX kept hounding us about the loans and would take no action or attempt to locate XXXX so to protect our credit rating we made the loan payments and continue to do so. We started making payments XX/XX/XXXX and have to date paid {$20000.00} on an original balance of {$44000.00} and the balance of that loan is still {$40000.00}. XXXX has been diagnosed with XXXX living on the streets somewhere in XXXX, he does receive Veterans benefits but we have no contact with him. He is very belligerent with us and refuses to pay or discuss the loan with us, he says we owe him an education, he refuses to work and prefers to live on the street. I have tried working with XXXX XXXX and more recently Navient for many years to try to get some kind of relief for us. My wife and I are both XXXX living on social security and a very small investment account that will now run out much sooner than expected. We have in the past tried to talk with Navient about a possible settlement on the loan so as to not hurt our credit rating and they say it has to be in collection and be at least 3 months past due before they would discuss any kind of settlement or reduce the loan. I also do n't remember signing any of the loans except for the original one, we found out after we started to repay the loans that XXXX also received loans to cover room and board and expenses that we were not aware of at the onset, I believe that XXXX College was very underhanded with there issueing and disbursing the loans. I hope there is something you can do to help us. The account number is XXXX
On XX/XX/2018 I received an updated TransUnion credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX.

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me.

On XX/XX/2018 I sent a dispute letter ( attached item C ) to TransUnion detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After TransUnion conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was TransUnion able to verify the account?

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms.

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my TransUnion credit report. This is my final attempt at a resolution with TransUnion regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.
I have been going back and forth for several months with disputes with Equifax regarding my 2 accounts with XXXX which are both being reported inaccurately. On XX/XX/2018 I submitted an online dispute with Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX for both of my accounts with XXXX requesting an investigation into the matter. I stated to them that the XXXX accounts were being inaccurately reported. Although in this latest dispute and my request for written verification per the FCRA, Equifax is still listing both of the accounts as being 120 days late. They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018. Both accounts were paid in full and transferred so how can they be 120 days late? Why does Equifax refuse to provide me with the written verification? All they are doing is prolonging this action plus causing unnecessary negative marks on my credit report.
I receive multiple calls per day to my office work phone with voice messages and they are now calling from local XXXX numbers leaving an XXXX to call back. I answered the phone and asked for them to stop calling me at work and to send everything by mail. When I moved, I submitted a change of address with the United States Postal Service and I have yet to receive anything in writing but still receive at least 5 or more calls a week on my office phone and sometimes even on the weekend or after work hours.
Numerous attempts have been made to contact Equifax as well as XXXX XXXX and after my 3rd attempt I am forced to file a complaint. 

Equifax is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily. 

Equifax is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. Transunion and Experian are showing over 10+ current accounts I maintain as well as displaying the correct information from my XXXX XXXX card. 

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my Equifax score is around 600 with inaccurate information. 

Your help with this matter is much appreciated.
Trans Union for some reason is ignoring my requests to investigate, verify and remove an account from my credit file that does not belong to me.