WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion deleted an unknown account collection from XXXX from my credit report. 
They then re-inserted this previously deleted information. 
The collection company has not validated this account to me. 
The credit bureau did not legally give me advance warning that they were re-inserting this information 5 days in advance. 
The collection company did not legally give me advance warning that they were re-inserting this on my credit report. 

Please delete this account. Permanently.
Creditor received debt validation request in XX/XX/2018. Creditor responded with a statement and nothing else. Creditor requested additional information from me. It is the creditors responsibility to provide any and all information when a debt is being validated legitimately.
I am in foreclosure status with wells fargo, I have asked to be rereviewed for a loan modifcation, but will not alllow me back in due to my history of broken payment plans. Although there were reasons why I broke the plan and was in constant contact with the back. 
Also they lost my original note, have sent letters to my job which breaks confidentiality, THey do not return calls in a timely fashion and are put on hold for over 45 minutes at a time. AFter speaking to HUD along with the XXXX XXXX XXXX, Wells FArgo still refuses to work with me to give me another chance.
Midwest Recovery Systems appeared on my credit report on XX/XX/XXXX and I reached out to them via email on XX/XX/XXXXto dispute the validity of this account. I had not taken but any payday loans in the last four years and also knew that I had dealt with some companies who were not abiding by CA law. I forwarded the Desist and Refrain Order from the California Dept of Business Oversight showing that any payday loans issued to residents in CA were null and void. They have yet to acknowledge any of my emails ( followups sent on XX/XX/XXXX and XX/XX/XXXX) so I called. A call center rep said that that order had no bearing on their collection since their client, XXXX XXXX, had purchased the debt. My argument was the original debt was made null and void so their collection was invalid. Nothing came of that call and I ended. I reached out to the California Dept of Business Oversight and they forwarded my request to your oce. All I am asking is for this to be removed from credit reports. XXXX has removed it and it is under investigation with XXXX. On XX/XX/XXXX, I received a fresh alert that it had been reported to XXXX which I have since challenged. I thought this had been previously reported to the CFPB but when I checkeed for status, it does not send me login information.

On XX/XX/XXXX, I mailed a certified letter requesting debt validation. It is currently in route and is attached to this complaint.
I receive telephone calls from Portfolio Recovery Harassing me about an account XXXX I have never done business with them. They Claim XXXX XXXX Bank was the seller when was this and for how much? They state that I owe them {$1600.00}. 
This is false XXXX XXXX was more than 8 years ago for less than {$200.00} while I was sick. XXXX had been up for many many years and these people continue to damage my credit. 
They should be fined for harassment calling, false reporting, harassment.
I have a current mortgage account with OCWEN that they took over from GMAC when they went BK. 

they were reporting my payments to the XXXX credit agencies and then stopped. I filed a BK XXXX myself and it was discharged in 2012, they say even though I still pay my account on time, they do not have to report my payments to the credit agencies until 10 years. this is absurd, as all my other creditors still report.
I have had major difficulties with this company for the l ast two ye ars. I wo n't go into the story except to say that I had to get a lawyer to have them remove a {$4500.00} charge that was never mine. they ought to have paid his expenses and refunded all the interest but I let it go because I had had enough of their runaround.   Now they have charged me with a late fee on a bill I never saw. they say they ca n't forgive more than one late payment every twelve months and I already had mine. the problem is that I can prove with my medical records that I have been ill for months including  XXXX   XXXX  in my  XXXX /  XXXX , and  XXXX  that went undiagnosed for at least 6 months. When I got the bill for a little over {$100.00} with the late fee of {$25.00} which could not be taken off, I felt it was usurious and illegitimate and I paid the bill without the late fee. this month I got  XXXX  bills.  XXXX  was the late fee doubled with .50 interest for a balance of {$50.00}. the other was a bill on a different card with a credit of - {$25.00}. They actually had enough to cover my late fee and zero it out.
I disputed this account with the credit bureaus in the past and it was deleted and now this debt was recycled and purchased without any proof that alleged debt is mine.Sending a bill is not proper validation that i owe alleged debt nor my signature can be verified.Please delete negative information off my credit report or i will have my attorney from XXXX XXXX XXXX in XXXX, Fl to seek damages for defamation.
I contacted XXXX on XX/XX/XXXX regarding a late payment for Select Portfolio Servicing for XX/XX/XXXX on my credit report. I provided XXXX with a demand letter from Select Portfolio Servicing requiring all credit reporting agencies to remove the late payment from XX/XX/XXXX from my credit file. XXXX sent a response letter dated XX/XX/XXXX advising that the late payment from XX/XX/XXXX had been removed from my file and the account would show always paid on time. However, credit reports from XXXX from XX/XX/XXXX and XX/XX/XXXX both show that XXXX has not removed the XX/XX/XXXX late payment from my credit file as they promised to do so in their letter.
Caine & Weiner Company, LLC i s in violation of the FCRA and the State of Floridas FCCPA and is subject to financial penalties as outlined by state and federal laws. It is illegal or you to continue to report this inaccuracy to all credit bureaus. This letter is also to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine ; you have provided no legally binding reference outlining your right to pursue any collections activities. I only know of this account based on it being reported in my credit rep ort ( s ). I  have never been notified by mail of the validity of this debt and have never received verification in writing following disputes that have been filed.
Inquires were removed and re added without notice or reasoning XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX
Transunion does n't allow you to dispute on website or XXXX and posts this message, " We can help you dispute an error on your TransUnion credit report in just a few steps. Here are some things to keep in mind before we get started. Submitting a dispute request does not guarantee that TransUnion will change your report. '' XXXX XXXX amount of {$1300.00} I paid my half of this debt ( {$660.00} ), responsibility of balance should be directed to other occupant of resident on lease and removed from my credit report. XXXX XXXX, the account has been paid, this item should be removed from all credit reporting bureaus.
Navient is my loan servicer. I paid over {$500.00} a month on my student loans like clock work ( using autopay ) for over 14 years because I had a good job which allowed me to make the payments with no problem. Unfortunately, after being with the same company for over almost 11 years, I was let go due to the company relocating to California. I continued to pay as long as I could, but then wasn't able to. I called Navient to try and work out a payment plan I could afford and was given no affordable options. I had savings, and was hoping to negotiate a payoff amount. I was told absolutely not an option. I warned if they couldn't work anything out for me that I could afford, and they couldn't negotiate a payoff amount that I'd no longer be able to pay on my loans. They said sorry, nothing we can do. I then HAD to stop paying because I literally couldn't afford it anymore. I am now being sued for defaulting. I still have no job because I haven't been able to find a job that would pay enough to afford child care. Everything I have found would be working just to pay for child care, which defeats the purpose of working at that point. I can't afford a lawyer so I am left with no options at this point. It is very frustrating because I feel like they should have worked with me back when I called countless times to explain my situation. Things didn't have to come to this ... negotiating payments or a payoff amount would have been much more beneficial to both parties. My credit, which was near perfect before this disaster, is totally destroyed. There is a reason there is countless lawsuits against Navient. 
I had paid the amount I borrowed before all this ... I was only paying the unbelievable amount of interest that was attached to the loans.
On XX/XX/XXXX, I attempted to place a freeze on my credit through Equifax. I was not able to authenticate through their website so I mailed and uploaded all the salient documentation. I never received the 10 digit PIN that was supposed to come in the mail. 

Today, XX/XX/XXXX, I tried to remove the freeze, while sitting in the business office of XXXX XXXX in MI. Having sent in all the relevant paperwork I figured I should be able to authenticate on the website. I was not and the system placed a block on my attempt to unfreeze my credit. I spoke with a representative and received no results. Even after answering all of their validation questions, I was told I would have to send in all the same information I had sent before. 

Upon returning home, I found the last credit report I have from Equifax, which is dated XX/XX/XXXX. I realized that they have a last name for me that I have not used since my divorce in XXXX. I feel as if I am being penalized and inconvenienced for the inaccuracy and antiquity of their data. 

Given their extremely " short '' customer service hours, I will try again tomorrow to speak with a " live '' person and once again prove that I am whom I say I am. 

Credit bureaus have far too much power over the events that shape our lives to have faulty misinformation as the basis for their decisions.
I purchased a gift card from a department store. The card was stolen from my car. I reported the card stolen on that same day and was able to stop the thief from using the remaining {$35.00} of the original {$50.00} limit. The issuing company is Blackhawk Network. They have done absolutely nothing to resolve this issue. I faxed all documentation to them on XX/XX/2016. I called numerous times to check on the status and was told it was still being worked on??? They also claimed to have tried calling me. If so, they left no message. I am certain this was a lie!! Today I received a letter from them stating I had not sent them requested information and they would not be taking any further action. I am attaching all documentation to show proof I submitted the claim form along with the receipt of purchase.
On Wednesday, XX/XX/XXXX I went to a branch of Citi Bank located in XXXX XXXX XXXX in XXXX. 
After I spent about an hour, answering to hundred of questions like phone numbers and addresses of my previous employers, and their phone numbers, I finally got the paperwork and termporary debit card. 

Same day, when I tried to activate my card, I got an error message. After a few tries I decided to call but the lady wasn't able to locate any of my accounts. 

I was trying to reach them next day, but the answer was the same. Then I called to the branch, but didn't get a clear answer. 

The next day, I spent another hour on a phone when another lady picked up the phone and told me there is no account, and I should go to the branch to start the process from scratch.
Dear Madam, Dear Sir On Thursday XX/XX/XXXX an international wire transfer was initiated from XXXX with the intent to transfer money into a Ally Bank account. The money was wired to the following account : Receiving Bank : XXXX XXXX XXXX Bank, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX SWIFT Code or Bank Identification Code : XXXX Beneficiary Account Number : XXXX as in accordance to Ally guidelines for receiving wires from a non XXXX XXXX However, the sender of the money made an incorrect entry into the " further credit '' field which is required to correctly forward the money into the intended Ally account Correct information : XXXX XXXX XXXX XXXX Information as incorrectly entered by the sender : XXXX XXXX XXXX XXXX Further information : wired amount : XXXX ( euros ) unique transaction ID as per the sender 's bank : XXXX sender 's full name : XXXX XXXX sender 's account number : XXXX sender 's bank : XXXX XXXX XXXX XXXX All attempts of the sender 's bank to stop the transfer proved unsuccessfull. The money left the sender 's bank account. Despite obviously incorrect recepient information Ally Bank does not cooperate in the process or returning those funds. I have already submitted a complaint on XX/XX/2018. Ally Bank 's response was that the money was received on XX/XX/XXXX, rejected and returned on XX/XX/XXXX. However, until today, XX/XX/XXXX, I have not received the money back. I will attach a screenshot of my account statement as of today XX/XX/XXXX. I will attach the original transaction and Ally Bank 's response to my first complaint. 

Essentially it looks like I am being lied to as any money sent or " returned '' from US on XX/XX/XXXX should have been posted in my account long ago. This was confirmed by my XXXX bank. They have never received any funds back. They've been trying to get in touch with both XXXX and Ally Bank about this issue and did not receive a reply.
My name was used for a debit on a bail bonds after sending my ID and license that shows they send the wrong person to collections, Nothing has been done to remove it from my credit score. Instead they kept me.
A guy I was dating XXXX XXXX stoled my identity somehow and got this card in my name before we were married on XX/XX/XXXX. When I found out that this and other cards were in my name without my knowledge I filed for divorce immediately. XXXX other accounts were declared fraudulent. This one was not even though XXXX admitted to US Bank that he was responsible for it and was made responsible for it in our marital settlement agreement. I did not know that I was on this account. I did not sign up for this account. I have asked for proof that I signed up for this accounts in XX/XX/XXXX and XX/XX/XXXX and have not received it. It has hurt my credit my credit rating and I want it removed.
FIRST FED CREDIT CONTROL # XXXX, # XXXX, # XXXX, # XXXX, # XXXX To Whom It May Concern : This COMPLIANT is being sent to you in response to your recent communication This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. 
Your legal staff will agree that compliance with this request is required under the laws of Ohio and Federal Statutes. 
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX
We started an online advertising company XX/XX/2015. At the beginning we accepted debit/credit cards and PayPal for clients to purchase our advertising services. In XX/XX/2015 we had an issue with our debit/credit card virtual terminal because some clients were submitted false payments with unauthorized use of stolen cards. We immediately addressed this issue with XXXX XXXX XXXX who was providing the service for the virtual payment terminal, and at the end they decided because there were a few clients who processed fraudulent transactions that they would terminate our use of their payment solution. We understood the circumstances and then found out that they had place our business on a TMF list ( The Terminated Merchant File is shared among processors and acts as a blacklist, where merchants with high risk accounts or excessive chargebacks are put on the list and prevented from opening an account with a different credit card processor. ) Because of this act by XXXX XXXX XXXX for something we had no control over, PayPal continued to allow us to process payments through their processor for the next 2 months and then all of a sudden we receive an alarming email stating they would no longer be able to do business with us as of XX/XX/2015. When we contacted them to ask why they had frozen our account, PayPal stated that our business was put on a blacklist and they would be holding all the funds currently in the account and also went in to our personal accounts and attempted to pull money back. In the course of the time we were using PayPal we did over $ XXXX in sales through them and they reaped the benefit of the fees they charge to transfer payments etc. 
PayPal froze almost $ XXXX of our business funds and ultimately caused us to get behind on Payments to our clients using our services. They should not have frozen our account and held the money because initially when they accepted our business they went through a thorough review and decided to put a reserve of $ XXXX and take a percentage as a reserve on each transaction to cover any possible chargebacks. Instead PayPal chose to freeze everything and we were forced to let our clients know that we could n't pay them which created thousands of disputes. PayPal continues to do this to multiple businesses and personal accounts. PayPal currently has a class action against them for this exact reason ( XXXX v. PayPal Settlement ). PayPal has caused us to practically go out of business due to this and damaged our name and business tremendously. We attempted to work things out with them multiple times when this first happened, but it caused nothing but problems as they were not willing to release funds that were owed to us according to their terms and caused massive disputes.
Please refer to this Case number : XXXX. I tried taking out my money from citi 's account - XXXX checks ( $ XXXX and {$400.00} ). My checks are getting bounced and my XXXX charged me {$7.00} fees for each of the XXXX checks. How come citi can deny taking out my own money? I know there is no insufficient funds. Neither Citi let me access my account nor sending any statement. On top of it- when i want to move out my money-i am given hard time.
collection on my credit report with diversified consultants inc collections from florida. they obtained the account from XXXX XXXX in XX/XX/2017, and have been calling me all hours throughout day and night. or robo calls. 
also i asked for debt validation and everytime i only received a copy of billing statements which clearly are not mine. i told the collection company multiple times to delete and remove this account from my credit report which they have failed to do.
I am currently being sued by XXXX XXXX XXXXXX/XX/XXXX and I believe the lawsuit falls under the consent order issued by CFPB. 

I am filing a complaint so that if the plaintiff is violating the consent order by failing to withdraw the case, the CFPB can take proper action against NCT for the violation. 

I am being sued under MD code 3-306 ( affidavit judgment for assigned consumer debt ), since the affidavits filed by the plaintiff are signed by a representative for Transworld Systems Inc, and they are swearing to personal knowledge of the debt, assignment of the debt, etc, I believe this qualifies as one of the lawsuits the consent order was attempting to address in paragraph 49. 

I greatly appreciate the time of anyone reading this complaint. Thank you for your time. 

-XXXX XXXX
I was in a car accident XX/XX/2012. I was with XXXX XXXX XXXX insurance at the time. I sent all bills to them, and they missed paying an {$880.00} ambulance bill. A year later, I began getting collections calls so I called the insurance company. They acknowledged missing the bill and agreed to take care of it. I checked my credit report today and the collections is still on my report for {$440.00} - the insurance company only paid {$430.00} and did not pay the remaining {$440.00}. This collections is now damaging my credit report even though I was not responsible for that bill. I never received a collections call or bill for the remaining {$440.00}, otherwise I would have called the insurance company and demanded they pay again. Without a bill or phone call, I never even knew I had {$440.00} in collections due to this insurance issue. My credit score is significantly lower than it should be because of this collection.
i never applied for the following inquires i disputed several times and they keep confirming this and its not mind i send over the police report they asked for and there still not removing the following fraudulent inquires that i NEVER authorized or applied for : accion new yorn XX/XX/XXXX credit XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX/XXXX/14, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX logic XXXX logic XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX factual XXXX factual XXXX payment systems XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX trust XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AND XXXX XXXX XXXX