WillisBack/dataset-financial-user-claim huggingface dataset:
COMPLAINT account # XXXX This is getting ridiculous, i just found another collection agency on my report that never sent a validation letter to me. Why are these agencies allowed to get away with this fraud! unbelievable. I HAVE HAD ENOUGH, IF CREDIT SOLUTIONS LLC DOES NOT REMOVE THEIR TRADENAME OFF MY CREDIT FILE I WILL TAKE LEGAL ACTION FOR DEFAMATION, PERIOD. IF CREDIT SOLUTIONS SEND A VALIDATION LETTER AFTER RECEIVING THIS COMPLAINT WILL RESULT IN A CAUSE OF ACTION UNDER THE STRICT LIABILITY STATUTE FDCPA FOR FALSE AND MISLEADING REPRESENTATION. 

Now comes, XXXX, in consumer capacity filing a complaint against debt collection agency Credit Solutions LLC, an Kentucky agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Credit Solutions LLC tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; Credit Solutions LLC placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Credit Solutions LLC and XXXX ; I have never received any validation letter from Credit Solutions LLC prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX ; This conduct is a direct violation of 15 USC 1692g ( a ) ; ( b ) Validation of debts ; ORC 1321.591, and XXXX Case No. XXXX ( S.D. Ohio XX/XX/XXXX ) This conduct is a direct violation of 15 USC 1692e ( 10 ) ; ( 2 ) ( a ) false and misleading representation ; ORC 1321.45 ( G ) ; Frey XXXX, 970 F.2d 1516, ( 6th Cir.XX/XX/XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with UCC 2-201 Statutes of Frauds ; ORC 1335.05 Ohio Statutes of Frauds ; XXXX v. XXXX., Slip Opinion No. XXXX ; This Conduct violates 15 USC 1681g disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; If I am denied credit do to the fact of Credit Solutions LLC actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, Fifth Circuit, Case No. 91-7142, XXXX vs. XXXX, XX/XX/XXXX ;
XX/XX/2018 Consumer Financial Protection Bureau Good afternoon : This afternoon I received an email ( see above ) from Experian informing me that my credit rating has decreased by 42 points. 

What I find troubling is that the change occurred 2 days after my husband spoke with a CFPB representative about a file our states banking department had forwarded to you, that generated a new complaint number ( XXXX ). ( The original CN is : XXXX ). 

Moreover, as their website shows ( copy attached ), my score has been increasing for I have increased the amount I have been paying, which made me suspicious that the decrease has more to do with my earlier complaint against them. 

Just so you know, the message on the customer service no XXXX only allows 2 choices both of which does not offer any option for assistance. 

In short that XXXX number is not really for customer service but an attempt to give the impression that they have one. 

Thank you for reading this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX
I am not currently even 30 days past on my account with XXXX XXXX in XXXX Texas, they call my phone while I am at work am I am unable to take the calls when I am work. When they do not get me on my cell phone they turn around and call my job at the general number seconds after they try to contact me on my cell phone. This is a daily thing. I pay my bill on line I will be paying it on XX/XX/XXXX I do not need to be called daily.
I have submitted several request for validation and verification of inaccurate accounts on my Equifax credit report. Equifax states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Equifax has ignored my request. Equifax still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
I am attempting to get a copy of the terms and conditions of a card that was opened in my name but is no longer open. I called multiple times to try to get a copy. The first call on XX/XX/XXXX I was transferred to two different departments and then provided a number and was transferred to another department. When I was transferred the call was disconnected. I attempted to call the number I was given and it is not a valid phone number. On a second call I was told they couldn't help me. I then called back a third time and was told that I would receive a copy via postal mail in 5-7 business days. Instead they mailed me a letter telling me my account is closed and I need to speak with their collections department rather than providing me the correct documentation.
Social Security deposited funds into US Direct Express debit card account on XXXX/XXXX/2015 and the same day someone used a web access to perform a fraudulent " money transfer '' out of that account into another account. US Direct Express refuses to cooperate and tell us where our funds are, to whom they were transferred to and has locked us out of our account. We can not get any information to file a complaint with the local police, social security can not assist us and the debit card company is refusing to cooperate.
I obtained a secured credit card from Bank America in XXXX XXXX. I provided {$99.00} and received a {$500.00} credit limit with the " opportunity '' to increase the limit and have my deposit returned after six months. At the same time, I was issued an unsecured credit card for {$7000.00} with XXXX. I used the BA card and paid the total balance faithfully over the next six months. At that time I requested and increase and return of my deposit. I was refused and told to re-request at my one year anniversary. Over the period of this past year I worked on restoring my credit rating with XXXX up to XXXX. Upon re-requesting on XXXX XXXX, my one year anniversary, I was again refused. The letter I received states my score on XXXX/XXXX/XXXX was XXXX. Not true it was XXXX. Many years ago, I incurred over $ XXXX in personal debt keeping a business open. I spent over 5 years paying off that debt as of XXXX/XXXX/XXXX. I have since re-established my credit and currently have other unsecured charge cards totaling {$12000.00} in credit limits with only XXXX % being utilized. I no longer have any serious delinquencies, no public records, and only XXXX collection on record of {$260.00} which I paid for in XX/XX/XXXX. I only have XXXX total inquiries over the last year, XXXX of which are the BA increase requests. I just lost XXXX points because I made this latest request from BA. I 've also been notified that I will be billed an Annual Fee of {$39.00} on my XX/XX/XXXX BA statement. I actually had to go back in my checkbook to XXXX XXXX to find out how much I paid BA for a deposit fee. It 's not listed on any of my statements. They have had {$99.00} of my money for over one year. Is this highway robbery or am I just dazed and confused? I 'm sure I am not alone ; there are probably thousands of poor souls out there like me. Thank you for your thoughtful consideration and being there for us citizens. I had nowhere else to turn and appreciate any assistance you can provide..
Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on XXXX, XXXX XXXX, and equifax. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}
I filled for bankruptcy chapter XXXX case number XXXX back in XX/XX/XXXX and the bankruptcy was discharged in XX/XX/XXXX. I included all of my debts which included a Citibank credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was {$730.00} and the debt was included in the list of creditors and was added. While I still in the active bankruptcy XXXX XXXX XXXX called to collect on the debt in XX/XX/XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XX/XX/XXXX, I was reviewing my credit report and XXXX XXXX XXXX is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor Citibank, the report shows that they will keep it on record until XX/XX/XXXX. Account number XXXX has is XXXX, date opened with XXXX XX/XX/XXXX.  My phone is XXXX.
Opened a new account at Chase. Made my first {$9000.00} deposit and then three days later went to the bank to make an additional deposit. Was told by the Branch Manager that my account was restricted and could not be used and that she did not know why. She or I had to call the XXXX # to find out. Upon calling the XXXX #, they confirmed that the account was suspended because they needed to check the validity of the check that was deposited and contact the writer of the check.
I disputed an inquiry on my report dated XXXX17 with  Equifax and they responded telling me to contact the creditor. The information says no information on file and there is just an inquiry with no bank information.
Equifax refuse to provide proof of a company having factual information to pull my credit. i reached out to the company and they sent me a letter to have it removed but equifax refuse.
Hi I have concerns about my bank of America checking account. I have been a long time customer with Bank of America. I have been charged a monthly fee of XXXX $ every month. If you have direct deposit, there is no fee charged. I read this online back in XXXX of this year. Naturally I went to the bank the next day. The Bank of America Branch located in XXXX, Ma on XXXX XXXX. XX/XX/XXXX, I explained my situation, I was told I have an old checking account. So I switched to a new one. It's called Core Checking. I explained that I have direct deposit through my Place of employment. I asked how long has this new type of checking account been available. I was told it's been available for 3 years. So basically Bank of America has been charging me XXXX $ every month even if I have direct deposit. The only refund I have received was XXXX dollars. That is unacceptable!! Point blank I never received any information any communication what so ever. I'm entitled to a refund. Not to mention I have contacted the XXXX. They can not help me, they referred me to the CFPB. Can you please help me out with this problem?? Thank you. XXXX XXXX XXXX XXXX
I have been attempting to get added a s Power of Attorney to my father 's Capital One credit card accounts. Please rea d the following letter which describes everything.     Dear  Capital One Custom er Care Team : In your letter dated  XXXX   XXXX , you indicated that Capital  One  will not add me as Power of Attorney ( POA ) to my father 's account ending in  XXXX . My father suffers from   XXXX   XXXX    XXXX . In your  XXXX   XXXX  letter you requested my SSN/tax ID and total annual income. I responded by requesting a copy of  Capital Ones written policy regarding the privacy of Power of Attorneys. I also explained that attempts made by Capital One via email or phone to contact my fath er directly would be ill-advised as he is suffering from the recent, unexpected loss of his only son.     I have still not received a copy of any written policy regarding the protection of POAs privacy. And, on  XXXX   XXXX , a  Capital One representa tive called and attempted to speak with my father.     Now, for the SAME account ending in  XXXX , we have received ANOTHER letter dated  XXXX   XXXX  with a DIFFERENT case number, directing us to send the paperwork you requested the first time around all over again.     Please check your records. Add me  as POA to my father 's Capital One ac counts so that I can help him.
Dear Consumer Bureau, I ask for you help as my husband and I are trying to purchase a home with both of our credit. I sent Equifax a letter explaining items on my credit that do not belong to me. I have filed a police report with the XXXX XXXX Police Department and have also sent a copy of the police report to Equifax. Since XXXX XXXX, I have been disputing with Equifax and they have not removed a judgment account associated with a XXXX credit card that does not belong to me. They have removed the XXXX credit card but not the judgment which is linked to this XXXX credit card.
I tried disputing inaccurate accounts, delinquent accounts that has been paid on time, incorrect addresses, and unauthorized inquires with Experian for the last eight to nine months or evening longer. I Recently disputed on XX/XX/XXXX, andXXXX, XX/XX/XXXX, and XXXX of XXXX. I still didn't receive a response from my XX/XX/XXXX dispute I wrote to them. Of the Fair Credit Reporting Act, Experian has 30 days to respond or the accounts I disputed must be removed. There reporting a late payment on my XXXX account for XX/XX/XXXX, that account has never been late, I sent them proof of payment for that month, and they still didn't remove it. The proof was a written statement and a payment print out from XXXX, and they still never corrected the error. When I ask them to verify the accounts they never will send me anything in writing with my signature or contract with my name on it. Wrong/incorrect last for digits of social security XXXX is incorrect. Under The Fair Credit Reporting Act section 609, the creditor and the credit bureaus must prove that the account is mine. They never send proof. XXXX XXXX XXXX  is not my account. I asked them to send me verification and validate that this inaccurate account is mine, they would never send me validation, or verified with my signature or contract. The same with XXXX, never verify with a contract that I owe them. I would like for Experian to show proof of these inaccurate account with me bonded with a contract to these accounts or any proof of lateness. I have sent them proof, and I have not received and proof in return. I shouldn't have to prove anything, they are the ones reporting, so I need to see proof of why your reporting accounts inaccurate? Thank You
I have sent a letter to validate this debt once in XX/XX/XXXX and again in XX/XX/XXXX. I asked Portofolio Recovery Associates to send an agreement with your client that authorizes you to collect on this alleged debt. An agreement that bears signature of the alleged debtor wherein he/she promises to pay the creditor, and a complete payment history on this account to prove that the debt amount you wish to collect is correct. Portofolio Recovery Associates,  did not provide any of the information I asked for to validate the debt.
I applied for a pay day personsal loan XXXX REP XXXX XXXX. ( XXXX ) XXXX I was advised {$230.00} would need to be transferred XXXX I sent the {$230.00} From CVS XXXX. the loan people contacted me and telling me I was all set and funds would be transferred for {$2200.00}. {$2000.00} loan and my intial {$230.00}. XXXX XXXX advised to contact XXXX XXXX bank XXXX to completer the transfer. I called and was advised to send an additonal {$290.00} which was not advised under the terms and conditions with the first rep. So I asked for my refunded amount of {$230.00} and they are not willing to do so as I was advised it was refundable.
On XXXX XXXX, 2016, ( original letter date for dispute XXXX/XXXX/2016 ) I wrote a letter which I will paste below stating that this information had not been validated nor had the company replied to my response of providing burden of proof of the " legal items '' listed to belong to me. It been exactly 30 days since sending the notarized letter and no response.This letter is formal notice that you have failed to respond to my dispute letter of date. I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on some date. 
As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : Reference Number XXXX Please delete this erroneous item from my credit report as soon as possible. 

Best Regards, XXXX XXXX
It was a XXXX dollar loan, I thought they were just going to take that plus the interest rate when I got paid. But on my payday they only took XXXX and it was going on for about 4 or 5 paychecks before I switched bank.
XXXX XXXX is showing a charge off on my credit report but account is paid off.
Debt collector repeatedly calling my phone about a XXXX XXXX XXXX account that i dispute with the credit bureaus that another debt collector put on my credit report. that was deleted from my reports.
My loans are in repayment. In XXXX 2016, I submitted a check for {$5000.00} to Navient to pay down the principle of my loan. I used the address on their website. The check was cashed, but never posted to my account. When I called, I was told that the check went to the XXXX XXXX XXXX XXXX and they were a separate department. I was then told that I would have to wait. I called two more times over two months only to be summarily dismissed. Finally, in XXXX, I spoke to someone very helpful in their XXXX XXXX XXXX XXXX section. She was very apologetic and informed that a request for a refund was never made, despite me turning all of the required documentation. She told me that the check should arrive in approximately 2 weeks. 4 weeks later, I am on hold with Navient again. Apparently, the check may or may not have been issued to me. Certainly, I will also receive interest from the months they have wrongfully held onto my money??
I have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports.  XXXX  shows {$6500.00} and closed  and Transunion s hows {$6500.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law.
In XXXX XXXX, Capio Partners took over two charges from medical bills when they were unfortunately missed due to an overabundance of medical bills for a procedure and a XXXX that I had been receiving. I never received written notice of the change to Capio Partners from the original creditor, and when I requested written confirmation from Capio, they refused, telling me they were unable to provide that. I mentioned that I needed to see that before paying and was told that if I did n't pay the full amount that they would report it immediately to the credit bureaus and never remove it, no matter if I paid or not. I was also told that they could find additional amounts to place on my report if I did not comply and pay the full amount. This was in early XXXX. I asked again for written proof and did not receive for either account in collections. Sure enough, by XXXX, the two accounts were added to my credit report. I called again in late XXXX and was told that even if I paid the debts, they would not remove them because they already offered me the chance to pay and I refused, which was not the case. They continue to call me 4 times a day, often before XXXX. Every so often, I answer and most recently asked for written confirmation of the debt in XXXX and was again told that they would not provide that to me.
I was reviewing my credit report today. I saw there is a medical collection on my credit report from a visit in XX/XX/XXXX. I called both the collection agency and the hospital and they stated that the office mailed the XXXX invoices to my ex-husband 's address, in stead of to mine. They called my ex-husband 's number instead of mine. My ex-husband and I have not lived in the same home since XX/XX/XXXX. I have never lived at his current address. I was never notified of the debt. While this was an innocent mistake, the account is now in collection and on my credit report and I never knew about it. In fact the collection agency never contacted me. I contacted both XXXX and California Recovery Bureau to have this removed from my credit report and while they admit it was a mistake, they have not offered to remove it from my credit report. I have offered to pay the bill in both cases. XXXX will be calling the collection agency tomorrow to see if anything can be done. What is my recourse if they still will not remove the tradeline from my credit report?