WillisBack/dataset-financial-user-claim huggingface dataset:
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
I have sent Experian numerous certified letters of inaccuracy information they are reporting. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have been asking in the letters for Method of Verification, have sent Frivolous Letter Rejection, Validation of Accounts and all they send back is accounts have been certified as accurate by the companies. The bankruptcy court does not verify information due to it is illegal for them to verify any information with Credit Reporting Agencies. 

I have also stated to XXXX in letters, This is NOT a request for " verification '' Via e-oscar, PACER, third parties, or proof of my mailing address, but a request for VALIDATIOn made pursuant to the ABove-named Title and Section of the Fair Debt Collection Practices Act.
I have had fraudulent inquiries placed on my credit report since XX/XX/2016 I have tried multiple times to address the issue with TransUnion with no help whats so ever. All the other bureaus have flagged my account for fraud alert and remove my inquiries. Transunion still refuses to do so. I have multiple attempts all day and all night at trying to run credit cards on my credit report. No one from Transunion is willing to help me and I am sincerely tired of trying with them.
For the past 6 months, I have made arrangements to pay my debt to Money Recovery Nationwide. They have constantly every month opened a new collection on my credit reports. They are doing this because I have complained to them, and the Michigan Attorney General along with the consumer and financial protection bureau. I am in the process of getting a mortgage and they are constantly depleting my score on my credit files. They will not remove any paid debts and even though the debt is from the same company. They are filing them every month as a " New Collection ''. This is not a new collection. It is a medical bill that was never verified by myself or XXXX like I have asked. 

I would like them to remove ALL collections from All XXXX major bureaus immediately. They will not respond to any complaints legibly. They only will respond with : - Money Recovery is required by law to post them as new collections under the FCRA ( Which is not verified or true ) - Money Recovery does not do removals Also my complaint is Money Recovery Nationwide is not notifying people that their debts will be reported if it is not paid. They are collecting on the debts and not sending out receipts or notice that if it is not paid in a certain time that it will be reported.
I recently pulled my credit reports and found a collection account with Convergent with a balance of {$400.00}. I am not responsible for this debt. I have n't signed a contract with this company and I have no record of any such debt prior to receiving my credit report.
I bought a {$200.00} Amex gift card around XXXX XXXX. It had n't been authorized properly by the store clerk, so I could n't use it. After calling Amex, I sent them everything they asked for via the fax number they gave me - copies of both sides of the card, the sales receipt, and my NY XXXX i.d . 

I waited for weeks, got no response, called Amex & was told they were " working on it ''. More weeks, no response, I call again and am told the copy of my i. d. was too dark to be legible. I send them a lighter copy, more weeks pass, I called yesterday and was told a portion of my I. d. still could n't be read. I informed them I was n't faxing anything else but was contacting CFPBAmex has gone way beyond any necessary fraud protection. There are cites online documenting many, many similar complaints. Obviously, the longer Amex delays refunds, the more interest money they make on the float.
I have contacted Equifax numerous of times stating that I would like for them to remove a fraud alert. Every time i call i have to go through the same thing which is being transferred from person to person even being transferred to supervisor and here it is XX/XX/XXXX and they have yet to remove it. They have gave me several different confirmation numbers stating that they removed it but it is still on there because Ive been denied credit twice because of their fraud alert that was supposed to be removed three months ago, which has caused me to get unnecessary hard inquiries on my report. And then it comes to inquiries i have sent the numerous letters stating that i was a victim of fraud and that they needed to remove all those fraudulent inquiries that is showing up on my report. I sent those same documents to XXXX  and XXXX and they had no problem fixing my issues. Ive sent all the proper documentation that they need but every time i speak to someone they insist on me sending them the documentation over and over, which is causing me to spend unnecessary money because i send all my letters certified. Also they are reporting inaccurate information on my credit including accounts that they can not verify which is a violation of the FCRA. The following Accounts is XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  and another unknown account. I DO NOT WANT THEM TO REINVESTIGATE THESE ACCOUNTS BECAUSE I HAVE ALREADY DISPUTED THESE ACCOUNTS AND THEY KEEP SAYING THEY ARE VERIFIED BUT HAVE NOT SHOWN ME ANY DOCUMENTATION THAT THEY HAVE TO PROVE THESE ACCOUNTS ARE MINE. THEIR CREDIT REPORT IS SO DIFFERENT FROM MY OTHER TWO BECAUSE THEY ARE REPORTING SO MUCH INACCURATE INFORMATION. I demand this be corrected immediately.
The information far as my name and address that is reporting on my credit report is incorrect. My name is XXXX XXXX XXXX address XXXX XXXX XXXXXXXX XXXX del XXXX everything else on there is incorrect
On  XX/XX/XXXX , I sent a document to Experian,  XXXX  requesting the verification of debt that they were reporting according to the Fair Credit Reporting Act. I requested copies of this verification . ( See document A ) Experian did delete some accounts but only stated that the rest were verified and   provided no copies of the verification.   I sent four more documents ( see documents B, C, D , E ) requ esting the verification of the debt along with copies of the verification ( Consumer contract ). These documents are dated  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . Again, Experian only responded that they were verified but has refused up to this date to provide any documentation or copies of this verification. Experian sent me their method for verification without sending the verification.   I would also like to point out that in one account (  XXXX   XXXX   ) ( See  documents F, G, H, I ). Experian reported in their response  on  XX/XX/XXXX ,   XX/XX/XXXX ,  XX/XX/XXXX  that the account meets requirement of the Fair Credit Reporting Act. Experian did not send me any verification at any time but in document ( I ) dated  XX/XX/XXXX  Experian stated the outcome of their investigation in response to my fourth request ( documen t D ) was  to delete the account. Experian stated in three previous responses that this account was verified and met requirements ( F, G, H ). How is that? I do not believe that Experian verified any of these accounts as they claim and they have refused to provide any original or copies of the debts that they are reporting.
Hi, There are some personal information in my credit report that are incorrect : For instance the " Employer Reported and Date Reported '' XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXMy employer 's name is XXXX and neither of the above misspelled names. 

Same with the information in " Names Reported '' XXXX XXXX XXXXMy full name is XXXX XXXX and not XXXX XXXX as listed. 

Please help correct the above information on my credit profile.
I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your company has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save XXXX us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in XXXX, Virginia has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. 
This complaint is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me by phone on any number, regarding this or any other matter. You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00}. 

Now remove these erroneous items from my credit reports immediately.
I have paid on a XXXX credit cart for 7 years,XXXX a month, applying XXXX extra on a XXXX a XXXX bill, i paid close to XXXX and they say i owe them XXXX on a XXXXXXXXloan. they sent the debt to midland collection agency XXXX, and they call at least XXXX times a day, as late as XXXX
A debt was added to my credit report, that I was unaware of in the amount of {$1500.00} acct # XXXX ( XXXX ) This is hurting my credit negatively and I need this removed as soon as possible and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX
We moved from an apartment ( XXXX XXXX, XXXX, CT ) XXXX 2017 and were told we 'd receive a statement that identified what had to be repaired prior to leasing the apartment again. ( We had the walls painted while living there and were told we have to pay to have them repainted white. ) That was fine - the office at XXXX XXXX said we received an statement that included the itemized cost. Then we were told the carpet would have to be replaced as well. ( I thought this basic maintenance but okay ). We kept the apartment in excellent shape and were told by the XXXX XXXX Office Manager, XXXX, that cost would properly not exceed {XXXX}. Plus we had our security deposit to apply. 

After we moved I called the office at XXXX XXXX ( XXXX - Lease Manager ) told me I 'd received an itemized bill with the breakout of cost and that my security deposit would be applied. The office had my new address along with my email address so I figured I 'd received something soon. I never received anything and had called the office in XXXX or XXXX to let them know nothing had been received. I confirmed again my address and assumed I 'd receive a bill with the security deposit applied to the total cost. I never received anything. 

In XXXX I received a notice from Rent Recovery Solutions that I owed {$XXXX}. I am still waiting to receive the itemized breakdown from XXXX XXXX as to exactly what is owed and where my security deposit was applied. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
On Tuesday XX/XX/XXXX I sent a funds transfer of {$500.00} dollars using the XXXX   application on my cell phone to the wrong recipient. Those funds were never supposed to go in to her XXXX account but to another gentlemen whom I have previously sent money via XXXX with in the past. I have never sent a XXXX to the original sender in the past. On XX/XX/XXXX I reached out to XXXX who twice informed me I would receive funds back. One person told me it would take 3 days and the other only said it was being reversed. They requested that the person whom I sent the funds originally to contact them to confirm it was not authorized. The orignal recipient informed me they have not used their XXXX since XX/XX/XXXX due to an extremely poor policy XXXX had in place that allowed people in " circles '' to debit each other accounts without approval, in which caused an issue with her and another XXXX user. The original receiver of the funds owed XXXX a balance of {$600.00} dollars that does not pertain to me nor should I be held responsible. XXXX informed the receiver of the funds that they would not be reversing my funds back to me because she owed a balance, they also expected her to inform me of this information rather then reaching out to me directly to inform me they would not be giving me my funds back after telling me twice they would. I believe this is extremely poor ethics on this companies behalf as well as EXTREMELY BAD CUSTOMER SERVICE. On the original call made to have the funds reversed there is no mention of meaning to submit those monies to that person. If I as a consumer says that I placed monies in an incorrect place, it is that companies responsibility to ensure that I receive my monies back. I should never be held responsible for someone else monies.
I refinanced my mortgage with XXXX XXXX XXXX and they transferred my new loan to LoanCare LLC. As I am accustomed to paying my mortgage ( previously with XXXX XXXX ) online within the grace period ( up to the XXXX of any month ) usually around the XXXX, I make a one-time bank transfer each month and never was charged any fee to do so. Today I find out that LoanCare will charge me a variable fee for this monthly ACH transfer and the fee is based on when I make my payment EVEN within the grace period. Fees are XXXX-XXXX day of the month, no fee ; XXXX-XXXX of the month {$7.00} and the XXXX-XXXX of the month it 's {$10.00}! I find this egregious, unfair and punitive, it 's punishing me for making my own decision on when to pay them and I should be able to pay up to the last day of the grace period if I choose without paying a tiered fee, or any fee for that matter for a simple ACH bank transfer. I do n't know if other loan services do this but I have never seen this before and have refinanced a few times in the last 6 years and no services made me pay these fees. Hope you can help me as I am stuck with this company unless I refinance again.
XX/XX/XXXX XXXX payment. {$1600.00} XX/XX/XXXX XXXX payment. {$390.00} XX/XX/XXXX XXXX PAYMENT {$750.00} Future attempt to seize paycheck {$810.00} I have asked since day one to provide proof of purchase. Only thing delivered has been a balance statement. None of the statements have any item for what was purchased
XXXX did. Told them this : I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
My complaint is regarding a dispute pertaining to a erroneous, inaccurate alledged bankruptcy on my Trans Union Credit Report. Trans Union report # XXXX dated XX/XX/2016. After receiving notice that the alledged bankruptcy dispute was verified, I requested the Method of Verification. The Fair Credit Reporting Act 611 ( A ) ( 6 ) ( iii ) states that upon request you must provide me with a description of the procedure used to determine the accuracy and completeness of the information. This includes but is not limited to the business name and address of the furnisher of the information and telephone number of such furnisher. I submitted via certified mail article # XXXX XXXX XXXX. XXXX XXXX and it was received by Trans Union on XXXX XXXX 2016. This can be XXXXXXXXXXXX 24 Hours. Additionally, Trans Union continues to blatantly disregard my request for the Method of Verification. Let me forewarn CFPB Trans Union will fail to mention in their reply the person who they spoke with, telephone number or give any description of the procedure used to verify this bankruptcy. I spoke with the court who states they were never contacted regarding this matter so why would T
rans Union state such? Trans Union will fail to mention that they have failed to comply with providing the Method of Verification within 15 days as required under the Fair Credit Reporting Act. I want the MOV or this inaccurate, injurious,  erroneous bankruptcy removed immediately from my Trans Union credit report. I would like to Thank the CFPB sincerely in advance for its time and effort in this matter.
I had an account be closed in 2013 with a negative balance of {$150.00} and some change. They closed my account before I could bring it out of the red and they reported me to XXXX and XXXX with a " Suspected Fraud '' notation on both reports. I have attempted to dispute with XXXX and the " Suspected Fraud '' notation remained. I am being accused of committing fraud when that was clearly not the case. They can not prove that fraud was committed because it was n't
I was never informed of the existence of this account. The original debt is not in my name. I never authorized this. It was a medical bill for my daughter. My wife is the insurance carrier. I never agreed to any payment and I never was aware of this at all. Somehow this collections account ended up on my credit report. It has since been paid in full.
I man called me on XX/XX/19 at XXXX from Account Discovery and said I had an account with them and if I did not make payment he's company would garnish my wages and they would sue me. The amount that I supposedly owe is {$1000.00}.
After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all 3 credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.
My information was leaked by the Equifax hack which is information that will affect me forever, however, they have no solution to protect my credit reports. The only thing they offer is to protect it for a year after which I have to pay them for the service -- essentially, they are charging me to protect my data that they leaked.
XX/XX/2015, paid car title loan off for deletion still showing up on credit as a bad debt. When I paid they were suppose to delete the account from the XXXX   Credit report still not deleted.
On XXXX XXXX, 2015 and contacted navy federal credit union and we go I still drinking fees that are being charged through ATMs and other banks are allowed to charge him because XXXX regarding news I think this is illegal to United States citizen because all transfers are electronically communicated to XXXX XXXX yeah baking and collecting fees of a members and customers just to have money in your pocket and you already a bank they have money in a money it should be given to the customer if you do not have any branches in the Surrounding areas that need to be required to open branches and stuff and make it available today customers that way we will have to pay the bank that we get my fees for money from I think it 's against the law I do n't treat your customers or members correctlyplease investigate Navy Federal and all branches in United States ATM and make sure they are filing United States banking Federal regulationsall misconduct and miss management of branches in ATM card to be charge according to United States federal