WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed the accuracy of 6 collections accounts that are being reported by TransUnion through the website XXXX XXXX On the Date of XX/XX/2018. The disputes are still pending and I have not received and notification from TransUnion as to why nor have these inaccurate accounts been deleted. I am now requesting Debt validation to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
This complaint form will be my proof of request for DEBT VALIDATION if this matter goes before a judge. 
Furthermore I am requestin that TransUnion provide the information on how they found the disputed accounts to be accurate if they do find them to be. 

The following is taken off of XXXX TransUnion received your request on XX/XX/2018 and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX.
Debt is more than 7 years old. Have disputed several times. Every few year creditor states that its a new account and continues to falsely report.
On XXXX/XXXX/15 I applied for a payday loan with Ace Cash Express online. The online application asked for basic information about my employment work history etc. After filling out this page i hit submit and a page came up saying a rep will contact you to verify your information. Four hours later i received a call form the rep who instructed me i had to call my bank on 3 way to verify information. After this phone call the rep said i would have my funds withing 24 hours. During this process i never saw or agreed to the terms they set forth. I never signed or revived a TRUTH IN LENDING disclosures. When I called to speak to a manager he indicated I had already signed the documents. I said if i did sign the document i would like to receive a copy showing my signature and he said he can not provide that to me. By law i should receive and have signed the disclosure and ace cash advance did not show me or provide me this document and still proceeded with the loan under terms i was unaware of.
i am 27 days behind on my mortgage because of trying to get clarity on what i owe so i called ocwen sunday and wednesday to find out what i owed.before i called i went on the internet and they said i owed XXXX dollars and on the automated call it said XXXX dollars.I called the relationship manager XXXX XXXX and he said that i owed XXXX dollars and i called relationship manager Somya XXXX and she told me at first XXXX and then XXXX.I asked for a breakdown from XXXX XXXX and was told that my basic mortgage was XXXX but i had late charges of XXXX and i had a suspense payment of XXXX XXXX cents which is called unapplied funds.I paid XXXX and a XXXX late charge.he told me that because i owe late charges my late charge doesnt count it goes to unapplied funds.he told me that not only do i owe late fees but i owe XXXX cents of miscellaneous charges in which he says could be anything from property inspections to whatever to certified mail in which i dont receive.I dont have to know that they are doing a property inspection they just drive by and then charge me.when i called last month the relationship manager told me to pay XXXX and late charges XXXX.I was told by XXXX and XXXX that if i dont pay the full bill it will get higher and higher.This is what they do adding on extra cost and extra charge until i be in foreclourse.NO CLARITY
XX/XX/XXXX to XX/XX/XXXX reflect on my credit reports showing late payments from Capital One. 
I recently contacted Capital One and spoke with a representative, they say its a recorded line so may be able to pull this call to listen. I spoke with a woman representative and asked for the CEO of Capital One email address. The representative put me on hold and came back to ask me why I needed the email. 
I told her that I needed to get late payments removed from my account due to me being out of work on short term disability. She then told me that they will be removed and my credit report should reflect this information in 30 days. 
I then received a letter in the mail stating Capital One is not going to delete the late payments. 
This is an unfair business practice to first tell me in a recorded line that the late payments are going to be deleted from my credit file and then send me a letter saying they will not be deleted from my credit file.
I received a notice of debt from the Fair Collections & Outsourcing of XXXX XXXX in XX/XX/XXXX by a phone call, which I clearly stated that was n't mine and was a result of identity theft. I demanded all pertinent documents used by the thief and they took over XXXX to provide. The thief used my maiden name and an unknown XXXX drivers license number to rent an apartment. In the application, the thief provided signatures that do not match to each other, and you can tell that the creditor did not do their due diligence to verify their identity as they failed in a few obvious areas : verify their previous residence and workplace, check their signature, and verify validity of their drivers license. 
After I sent in the affidavit and proof of my identity that included our lease agreement at our current address, utility bill, my husband 's XXXX military XXXX to XXXX XXXX XXXX, and copy of my paystubs, they proceeded with reporting this debt to the credit bureau XXXX days later. I will be sending another letter tomorrow ( enclosed with this complaint ) to demand that they stop all collection proceedings against me as I have provided everything they need.
The property taxes from my escrow account were not paid to XXXX XXXX, NC, for the year 2015. I have called Ditech twice for a resolution and they still have not resolved the issue even after 2 months from the first phone call. My name and address have been posted in the local newspaper stating that I have not paid my taxes, resulting in a defamation of character, even though Ditech is at fault for failing to pay the property taxes.
XXXX   XXXX  pulled my  XXXX  credit report twice on  XX/XX/XXXX and  XX/XX/XXXX , and my Experian credit report on  XX/XX/XXXX  without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after  XXXX   XXXX  pulled my report for these unauthorized credit applications. The company does not seem to care that the y may have been a player in helping identity thieves gain extensive kno wledge of my accounts.  <P/> I have sent a letter and made multiple call s (   XX/XX/XXXX  and  XX/XX/XXXX  ) on the matter and yet they continue to  1 ) list the inquiries on my report ; and 2 ) fail to provide i  nformation on the fraudulent inquiries. The former hurts my credit score and ability to receive futu re credit. I 've disputed with both credit reporting bureaus but they and   XXXX   XXXX   remain stubbo rn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd l ike to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.  <P/>    XXXX   XXXX   mus t remove these inquiries from my   XXXX    and Experian reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.
I have sent Equifax numerous requests to investigate and remove accounts from my credit report/file and they are not responding.
There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off my credit report.
I opened a XXXX XXXX account in XX/XX/XXXX by giving them {$250.00} deposit which was a requirement because I did not have a social security number or credit history. It was a month to month contract. I disconnected my service after 6 months and XXXX sent me an email regarding my disconnection of the service and they told me in the statement how they would proceed with final billing and returning the equipment. Under the final billing section it said depending on your date of the disconnect order, you may receive a credit for services that were paid for in advance, if a deposit was required when you ordered you services, the refund will be applied to your XXXX account to satisfy any outstanding debt or charges for unreturned equipment or other billing. Any remaining credit after applying the deposit refund to your outstanding balance will be refunded by a check. So I understood that they will charge my final billing or any other outstanding bill they would take form the {$250.00} deposit that I gave them when I opened the account and that they would refund any remaining money by check. The email date is XX/XX/XXXX at XXXX. The email was sent from XXXX. So after I received this email I have waited for my refund check for the amount of the difference in my debt ( final bill ) and my deposit. The difference was suppose to be {$50.00} and change. However, after eight months XXXX sent me the full amount of my deposit by check instead of the difference between my debt and my deposit. Then I questioned why they sent the full amount and then I figured out that they sent me to collections without my knowledge. I contacted XXXX regarding that and tried to solve this issue and I paid my debt right away after a month I received my deposit back. I explained this situation to XXXX but they did not accept their fault and correct it. And after two years when I get my social security number, I started having a credit history, I have seen a derogatory mark submitted by XXXX due to this collection issue and was being reported to Experian credit agency unfairly and incorrectly. I then tried to contact Experian as well as XXXX again via phone and email. However they did not fix this situation. They did not fix it and my credit is being damaged by this credit report. I want to get a house and/or lease a car but this falsely reported derogatory mark is hurting my report significantly. I want this to be fixed as soon as possible by XXXX.
I made purchases from XXXX on line store in XX/XX/2017 by my XXXX XXXX debit card and returned the products in XX/XX/2017. But I cancelled my XXXX XXXX debit card in XX/XX/2017. But XXXX 's Bank 5th 3rd Bank still sent the refund back to XXXX XXXX my debit card account after I called them I cancelled my debit card and would like them to send me a refund check. After almost a year 's efforts to locate my refund, XXXX XXXX claimed it has received my refund on XX/XX/2017 from XXXX but also returned back to XXXX XXXX Bank 5th 3rd on XX/XX/2017. However, I haven't received any call or email about my refund from 5th 3rd Bank so far. I tried to talk to its customer service by email and calls. Either they told me money is in XXXX XXXX or just ignore my requests.
XXXX bank continues to list a fraudulent account on my XXXX credit report. this account was not opened by, nor used by me. XXXX continues to list this account without ever providing any documents showing my signature. this fraudulent account is preventing me from obtaining credit. the partial account number XXXX
On XXXX XXXX XXXX, my loan was sold from XXXX XXXX XXXX to Carrington Mortgage Services. My name is XXXX XXXX. I am the heir of the estate of XXXX XXXX. 
When my loan was with XXXX XXXX XXXX, I submitted all the paperwork necessary to change the ownership to read ESTATE OF XXXX XXXX. 
I was able to speak on behalf of the loan and conduct all transactions. 
Upon the sale of the loan, after the welcome letter, the entire ownership revereted back to read XXXX XXXX. 
I called Carrington in XXXX, XXXX XXXX and sent a QUALIFIED WRITTEN REQUEST to them AGAIN providing the death certificate and proof that the ownership is wrong based on XXXX XXXX XXXXXXXX. 
They have to date NOT changed the ownership, asked me to place a password on the loan on XXXX/XXXX/XXXX, which I did do and NOT HONOR it. 
They have charged me a {$9.00} automated violation fee which I did not authorize and I am NOT in foreclosure, so no fees should be assessed to me. This should be refunded. 
Finally, I can not even get information from them, they speak in circles. Today, XXXX/XXXX/XXXX, I tried to resolve this with XXXX, and he would not give me ANY INFORMATION. Even though previously they had confirmed they received all the documents regarding my fathers XXXX.
Just discovered that we have been misled and lied to by Impac mortgage/Funding group who is the investor of our mortgage serviced by XXXX XXXX XXXX. Just yesterday I spoke with XXXX XXXX XXXX who assured me that the denial of the loan modification was actually made by Impac and not XXXX XXXX XXXX. Since XXXX 2016, I have been in contact with Impac Funding group and each time we were told and reassured that XXXX XXXX XXXX is the problem., by failing to send them a packet for Impac 's review Someone is not being truthful. We need this investigated because there has so many violations by both Imapc and XXXX XXXX XXXX. Impac carries the note and should be able to override XXXX XXXX XXXX but they have refused to do so. We have been charged an interest only loan which is illegal which will reset twice in six months. It was reset in XXXX 2016 and our payment increased {$1000.00}. from {$2900.00} to {$3900.00}. In XXXX the payment will be {$5800.00} which we can not afford. All interest only which is an illegal product.
Hi, On XX/XX/XXXX Bank of America send a wire transfer on my behalf to XXXX XXXX XXXX   under a company name XXXX XXXX XXXX. The Company could also be known as XXXX XXXX. The money was send for me to purchase an investment product called XXXX XXXX. I never received the product. Later I figured that the whole thing was a scam. On numerous occasions, I asked Bank Of America to retrieve the money from XXXX XXXX. They reported that the account owner closed the account with XXXX XXXX. The case # at Bank of America is XXXX. Please retrieve the money from XXXX XXXX. It is a scam. 

Thank You
Portfolio Recovery LLC is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XX/XX/XXXX and purchased buy PR in XX/XX/XXXX. I have never made a payment or promise to pay to this company. 
I recently reviewed my credit report ( XXXX  ) and found that Portfolio Recovery is doing inquiries on my credit report as follows : XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX: XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years. 
I am now XXXX years old which would most likely preclude full-time employment. 
Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart. 
Thank you for your help.
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any original contract documentations of any contractual relationship between name of company XXXX  XXXX  XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX
XXXX -- XXXX XXXX XXXX BANK XXXX {$590.00} i have paid this account off in full please remove this from my credit report as XXXX said it would
On XX/XX/XXXX my credit report ( see attached ) there is an incorrect address on my Equifax profile listed as follows : Wrong Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX -This item must be deleted
I recently filed a complaint against Bloomingdales dsnb regarding payment false representations in their reporting to credit bureaus.

In statements provided to CFPB, Bloomingdales used an old address from XXXX for XXXX -XXXX  billing statement. Even though Bloomingdales was aware and had my mailing address. I recently received mail from Bloomingdales regarding this debt in XXXX at my mailing address. 
After filing my complaint, Bloomingdales intentionally misrepresented and fraudulently updated the payment status on my credit report on XX/XX/XXXX to reflect bad debt, placed for collection & SKIP. 
Thereby falsely misrepresenting that I am missing. Bloomingdales has my address and sent mail to me addressed in XX/XX/XXXX and received XX/XX/XXXX. 
All this in an attempt to suppress my complaint and statements regarding Bloomingdales falsehood and several misrepresentations in my original complaint
XXXX XXXX Care Credit was reporting to the major credit bureaus that I was an authorized user of a Care Credit account. I do understand that Care Credit can report Authorized User credit history to the credit bureaus. This isn't the problem.

I am unaware of being an " authorized user '' on any Care Credit account ( I had my own, which was paid and closed, a while back ). The account I was supposedly an authorized user on was opened in XX/XX/2014. I've only discovered it because I am trying to buy a house and had to get my report. 

Even though there is a positive payment history, the high balance is hurting me and keeping me from getting a loan. I disputed the account showing I was an " Authorized User '' to XXXX  and Care Credit apparently verified the information as accurate, then updated it to report that the account was my own! This makes the problem worse. How did Care Credit determine I was no longer an " authorized user '' but now, all of a sudden, the actual primary account holder? That's nuts.
Disputed the account being in collections due to it being fraudulent. Contacted XXXX XXXX and they had no record of charges in order to prove we did not open or have control of the card. It has been more than a year ( exceeding the 30 days required to respond to a dispute ) and nothing has been provided to us. We are demanding that the report be removed from our credit history. The account is listed twice, both showing " disputed '', and we want both to be removed.
I am facing foreclosure and I applied for a short sale and my short sale application was approved by the bank. I had a buyer who made an offer which was also submitted to the bank. However, the buyer pulled out because of the extensive umber of repairs that is needed on the property. I had another buyer who made an offer and this was submitted to the bank immediately after informing them that the first buyer pulled out of the deal. 
The second offer and proof of funds along with the HUD was submitted for the second buyer. The bank advised that they have received the second offer with supporting documents and are reviewing it. I was advised today that the file is now closed and the only option available to me is foreclosure or deed in lieu. The bank refused to review the second offer for short sale.