WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX XXXX sold my account to a collections company but is still reporting debt by them. 
I first tried to request a letter stating that if payment was made it would be reported as such on Monday, XXXX. At that point they told me they sold the account to a collections company and I would need to pay the collections company, then I would need contact XXXX XXXX. I then requested a letter stating that they had indeed, as they stated, sold the account to another company or that they do n't hold the debt any longer. They refused this as well. Today, Tuesday, XXXX I called back telling them I really do need that letter especially since they are who are reporting the account too. XXXX XXXX again refused to issue a letter to me, but then told me XXXX XXXX go ahead and pay them, XXXX XXXX even though they no longer own the account/debt. This I know is not right and I need help resolving this issue.
There is an account listed on my report with Equifax that is not mine. I have fought the account for years but it is now back. I sent through certified mail a letter to the creditor asking that the debt be verified yet again. They signed for the letter but did not provide verification of the debt within thirty days. Both XXXX and XXXX investigated the dispute and removed the account when it could not be verified through their dispute process. Equifax refuses to remove the account after two disputes including copies of the letter and the signed certified mail receipt. I called Equifax yesterday and I was hung up on twice. A supervisor told me in a dispute, they only verify name, social security number, and birth date not the validity of the debt. I told them the company couldn't verify the debt therefore it had to be removed. He told me it was so old or would fall off in two months any way. This tradeline that isn't mine is keeping me from getting a mortgage loan. Equifax refuses to listen and just keeps saying my information was verified. Yes but not that the loan was actually mine. Equifax is horrible and in control of everyone 's lives and they shouldn't be because they are incompetent. This complaint is against Equifax.
Absolutely ridiculous that we 're forced to pay for freezes of our credit to companies we have never agreed to do business with to avoid ruining our credit score that is a requirement to live in modern society. I have n't been able to get through to the companies to actually freeze anything because of the XXXX  caused by the equifax breach. The fact that they are charging consumers to protect their own credit and do n't have the infrastructure to allow people to do so when they need it is criminal. These are for profit corporations that are robbing consumers who simply want to avoid the absolute catastrophe of having their identities stolen. XXXX is even trying to profit from it by trying to get people to sign up for their credit monitoring service for a monthly fee. Once again the consumer gets XXXX and the corporation will keep on cashing in on people 's misfortune.
On XX/XX/2018, XXXX inquired into my TRANSUNION and XXXX  credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.
The account number I have available is XXXX. I expect it to be deleted from all three bureaus immediately. I have never received any debt notice from this collection agency. I have paid XXXX directly in full and never authorized XXXX to share my information to any third party. When i paid XXXX, I was advised it would be deleted from my credit reports upon receiving full payment. The only reason I became aware of this collection being reported to the credit bureaus is because I had started monitoring my credit report. Stellar Recovery makes false statements, regarding the account. I have never received any notification of debt from Stellar Recovery. This is causing a financial hardship and needs to be deleted from all of my credit reports promptly. I will not consider this complaint closed until it is removed and I receive notification of this action.
Midland Funding LLC is fraudulently reporting a collection account to my credit report. I have never requested or obtained credit from XXXX XXXX XXXX, XXXX, or any factoring company. I am not liable for any debt to Midland Funding LLC, XXXX ( South Dakota ), XXXX XXXX, or any factoring company. I have NEVER received credit, nor do I have an account ending in XXXX from XXXX ( South Dakota ), XXXX, therefore I 'm not responsible for any debt. I have disputed this fraudulent claim with Midland Funding LLC directly as well as all Credit Bureaus and they still are reporting to my credit report.
Chapter XXXX bankruptcy reflected on credit after 7 years. Reference # 's XXXX.
Dear CFPB, I am sending you this complaint as attempt to resolve an alleged debt matter with a collection agency by the name of Pinnacle Credit Service. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX, XXXX I reviewed my credit report and discovered a collection account reporting from Pinnacle Credit Service, The account is reporting as follows. 
1. Pinnacle Credit Service, Account # XXXX, Balance {$290.00} On XXXX XXXX, XXXX I sent a request for validation to Pinnacle Credit Service requesting for validation. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX advising me that they are representing their client Pinnacle Credit Service and that they were in the process of obtaining validation from the creditor. Time has passed and I have not received any communication from the collection agency regarding my claim since. I sent XXXX more request for validation on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and still have not received the validation request. I also made a phone call to Pinnacle Credit Service in between the time frame the validation requests were sent and was advised by Pinnacle that they 're not handling the account to contact XXXX XXXX. When I spoke with XXXX XXXX I was advised by them, they will mail me documents in the mail. 

It 's now XXXX XXXX, XXXX, I not received the validation I requested. I have made numerous attempts to resolve this situation with Pinnacle. Whom still until this day reports the derogatory account on my credit report failing to validate the debt which is a violation under the FDCPA at this time Pinnacle Credit Service had sufficient amount of time to provide me the validation request I requested in writing three times and XXXX time by phone conversation with a representative. I request that Pinnacle Credit service remove the debt from my credit report with all three major credit reporting agencies ASAP, Thank you for assisting me with resolving this matter with Pinnacle Credit Service
XXXX XXXX XXXX is showing 3 late payments on report. There are no late payments on this account
Ocwen Bank foreclosed on my home in California. I applied 48 times for a modification, via certified mail. I have been in the XXXX XXXX 24 years and I got out of the Military in XX/XX/XXXX. Ocwen is evicting me on XXXX XXXX XXXX. Can you please help me? I know they never processed any of my paperwork properly. They are taking advantage, I have nowhere to go.
I just got rejected for a credit card and come to find out I have XXXX collections that I was never made aware of. 
I am disputing these charges for a few reasons. 
1. I was never notified of these charges2. I do n't owe any money to these creditors3. I tried to reach the collection agencies and received no reply or information from them regarding these charges
**UDAAP ALERT** I've had the Chase United Mileage Plus Visa for a few years and this card has offered an annual mileage reward as well as other benefits and protections that have been eliminated or reduced without proper notification. My anniversary month is XX/XX/XXXX, so I just officially discovered that the annual reward and price and return protection are no longer provided and also they reduced trip cancellation and coverage. Everything on Chase 's site regarding the United MileagePlus Credit Card benefits sends us back to United. This seems unfair as the information was not provided in advance and there are significantly reduced changes in the rewards while the annual fee remains at {$95.00} annually. If the information was provided, it was not done so in a way that was clear to the average consumer.
My mortgage company ( Wells Fargo ) contacted me with a letter saying that they were going to start the foreclosure process on my home I own. I contacted them and they told me that I missed my XX/XX/XXXX payment. I told them that was impossible since it comes out of my account automatically. I then furnished Wells Fargo with an official letter from my bank ( XXXX XXXX ) with a trace # showing that the payment was made back on XXXX XXXX. To this day they still have not resolved the issue and my credit is suffering due to their mistake. Today I received a call from a lady saying they needed more information from my bank and that I had to get it for them. I told them to email me what they needed and she said they did not do that. I called my case manager who has been handling this for almost a month now and he is away for the weekend. Enough is enough now. My credit is suffering and I am getting collection calls from the bank because of their error!
MY NAME IS XXXX XXXX. I HAVE TRIED TO OPEN A XXXX XXXX XXXX XXXX ACCOUNT IN ORDER TO OBTAIN A AUTO LOAN WITH MY MOTHER, WHO IS A XXXX XXXX, AS A CO SIGNER. MY ACCOUNT WAS CLOSED AND WAS DETERMINED TO HAVE BEEN REPORTED TO XXXX XXXX XXXX FOR FRAUDULENT ACTIVITY, AND PLACED ON A BLACKLIST FROM A TRANSACTION ON OR ABOUT XX/XX/XXXX. I CALLED BOTH XXXX XXXX XXXX XXXX   AND BANK OF AMERICA. I HAVE SUBMITTED AND FAXED ONLINE AND IN WRITING DISPUTE FORMS, ALL OF WHICH HAVE GONE UNANSWERED OR DENIED BECAUSE OF THE TIME FRAME. I AM XXXX YEARS OLD NOW, HAVE A XXXX YEAR OLD SON, AND WAS NOT INFORMED FROM ANY EMPLOYEE ON HOW TO GO ABOUT DISPUTING A FRAUDULENT CLAIM AND PROVING MY INNOCENCE. I NEVER MADE FRAUDULENT DEPOSITS TO MY ACCOUNT EVER, AND NOW THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO ABOUT IT. I AM GOING DOWN TO TAKE OUT A POLICE REPORT WITH XXXX XXXX XXXX, AND ALSO FILING A LAWSUIT AGAINST BOTH BANK OF AMERICA AND XXXX XXXX XXXX XXXX XXXX FOR THEIR ACTIONS. I HAVE TRIED TO MAKE IT RIGHT, OFFERED TO PAY THE 400-SOMETHING BALANCE I AM NOT RESPONSIBLE FOR. ALL OF WHICH MY EFFORTS HAVE BEEN IGNORED. THANK YOU FOR YOUR TIME, I AM AVAILABLE THROUGH EMAIL OR CELL PHONE AT ANYTIME.
On XX/XX/XXXX, I contacted the company to file a dispute. The representative process my dispute and I was told within 7-10 days I will receive a provisional credit while waiting for the investigation to complete. It is now XX/XX/XXXX and I have not receive any provisional credit I supposed to receive while a pending investigation. It appears the company is not following the policy of a provisional credit to the customer during the dispute process, so the customer can have the use of their funds.
the prior CFPB investigation XXXX had an unintelligible response from Equifax, they responded to another account not the TENNESSEE DEPT XXXX ACCT. NO. 
XXXX complained about.XXXX is a fraudulent account.I have never paid them anything because I had an active case and account for the same children in the state of Virginia. 
This account record is based upon fraud and the record should not exist in my file. 
when I spoke with TENNESSEE DEPT XXXX ... they said they would '' go after the filer for fraud ''.
I spoke to your company before and informed you that I am in dispute with the XXXX Bill and that you needed to validate this debt but it appears you have refused so I am sending this letter to you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 



This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you : What the money you say I owe is for ; provide a detailed, plain and simple list ( not coded ) of any and all services or goods you claim I received a line by line itemization of charges ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX ), said action might constitute fraud under both Federal and State Laws. 

If you have I demand you send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law. 




Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any reporting to any credit reporting agencies. 



Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 



This is an attempt to correct your records, any information obtained shall be used for that purpose. 





Best Regards, XXXX XXXX
Dear Sir/Madam I am at my wits end and I 'm in desperate need of your help. 
I have tried very hard for more than 3 years to get loan modification from Select Portfolio Servicing , Inc . I have been denied all of these times because of : my income was low or I do not have enough assets to support repayment plan. I have even offered them a substantial amount of money for down payment to help a modification along. I have been to court conferences in NY and worked with HUD-approved foreclosure prevention counselor for more than 3 years. I have submitted completed XXXX applications along with supporting documents at least 8 times so far. Many times the assigned relationship manager, which kept changing, would not call for months. 

I lost all my business due to hurricane XXXX in XXXX and XXXX XXXX, NY was declared a disaster zone by the Federal Government. Property values dropped drastically. There was loss of rental income. My mother and father passed away. At the advice of my housing counselor, I rented some rooms to boarders and had my son move in with me and contribute to show the bank more income. They denied the application this time for too much income.
A law firm representing my HOA Association keeps giving me different balances in order to settle my account. They first quoted an amount of {$5700.00} in order to settle the account. Then they quoted {$7500.00} because they thought I did not remember the original amount so they transposed the numbers. Then, they quoted {$8000.00} as a reasonable offer.Then the attorney sent me an email quoting {$10000.00} approximately as a final offer. Then I spoke to an associate and she quoted $ XXXX then {$10000.00}. Then she sent me an email stating they want approximately $ XXXX to settle the account. I have the emails, but I could not attach them. Incan forward them to your email address.
Dear Sir/Mam, I am writing to you in regards for an issue involving the wire transfer of {$2000.00} to my Beneficiary 's account who holds an account with the XXXX bank located at XXXX, XXXX branch. 

I hold an account with Citizens Bank located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA, USA. Since two months were over and as the money transferred from my account to the beneficiary 's account was never credited to his account under the specified period of time ( reason still unknown ), I had to recall the wire transfer with the help of Citizens Bank back to my account but neither the money has been credited back to my account. 

Upon further searching, I was told by Citizens Bank that the XXXX Bank had already sent the wire transfer money to XXXX and XXXX XXXX XXXX who acts as an intermediary bank in regards to the Citizens Bank has been waiting for XXXX to respond to them in this issue. ( as informed by Citizens Bank official ) I would really appreciate and would be highly obliged if you could help me resolve this issue as soon as possible just because being a recent graduate, the amount of {$2000.00} means a lot to me and the issue has taken a way longer than normal which in itself has been very stressful! 

Thank you!
I have recently disputed several accounts ( see attached documentation ) that Commonwealth Financial Systems , Inc. is continuing to reflect on my credit reports. On XX/XX/XXXX, I submitted a complaint to your bureau ( see attached documentation ) regarding the reportings of this company. My case was closed due to their response. After this complaint was filed, I received documentation from them dated XX/XX/XXXX ( see attached ). This documentation DOES NOT SUBSTANTIATE ANY ACCURATE REPORTINGS. 

In my previous requests, I specifically asked Commonwealth to provide me with copies of any papers that show I agreed to pay what they say I allegedly owe them that bore my signature. The paperwork they sent does not reflect my signature on anything. I also asked for copies of all documents sent to me regarding this account. Again, to no avail. The statements sent are dated for XX/XX/XXXX ; however, their letter is dated XX/XX/XXXX. How then are they providing accurate information that is verifiable. Lastly, I requested that they as a 3rd party collection company, prove that the statute of limitations has not expired on the accounts ; again, they sent nothing to prove this. I am requesting as well a copy of any documentation this company has with my signature whereby I granted XXXX XXXX XXXX to share any of my personal information or records with this company if I am indeed the owner of these alleged accounts. 

It is apparent that this company is not able to produce any supporting documentation that meets the criteria for reporting entries per Fair Debt Collections Practices Act. 

DELETE these erroneous accounts from my reports.
My husband 's grandfather had a reverse mortgage that was serviced by XXXX at the time of his death in XXXX. The home was left to us in his will. After sending in all the required documents to show intent to purchase the property, and all corroborating documents ( death certificate, warranty deeds, heirship affidavits, letter of intent, pre-approval from new lender, payoff request from title company and authorization to speak on the account from the executrix of the estate ) the loan was transferred to another servicer under the XXXX XXXX XXXX XXXX umbrella, Reverse Mortgage Solutions. Despite having been told these documents and authorizations to speak on the account would be transferred over to RMS, they were not. So, I resent every document to the new servicer. Now, I 'm being told conflicting information about how long the process of even getting authorized on the account will take. Also, we still have not received any new correspondence through the mail from the new servicer that would advice the estate of the status of the loan ( It was my understanding that the new servicer must inform you within the 15 days of the effective date of the transfer ). Since we are living here, we know it is imperative to be made aware the foreclosure status. Furthermore, as each day passes additional interest accrues, additional servicing fees accrue and there 's the possibility of it going into a foreclosure status without us even knowing ( which would result in foreclosure attorneys fees and other charges that should not be applied to the account ). We have done everything possible on our end as we could possibly do but without any guidance or communication from the new servicer we are getting no where. It is exceptionally frustrating when your proactive about saving a family home and a ) the servicer changes in the middle of the process with little thought given to whats in the best interest of the consumer for resolving the default. b ) not communicating with the estate what additional information is needed to advance the process c ) Stalling the servicing/payoff of the loan to increase interest, servicing fees and possibly attorney fees. It feels like Reverse Mortgage Solutions is where XXXX sends it 's loans to be foreclosed. All we are trying to do is payoff the existing mortgage balance but it seems like since were in an positive equity position and since they wo n't need to submit a claim on a deadline to HUD, they 're just dragging their feet to drive up the payoff. I 'd like to not be so cynical, but after looking at the deceptive trade practices of each entity that has been involved with this loan, I would be naive not to expect questionable ( or even unethical ) servicing.
I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal TransUnion credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
the debt collection company has written me several times and I have told them that I didn't owe the debt. that I had cancelled the online course within 3 weeks. I had provided proof to them and I was told that I still owed the full amount of XXXX I have asked them to stop contacting me and that I only wanted to deal with the original creditor. I have reported this to the credit bureaus as well. meanwhile this company continues to update my credit file every month. I even requested that they show me proof that I owe this debt and as of today they haven't, meanwhile the company don't even have me in there system of oweing them anything