WillisBack/dataset-financial-user-claim huggingface dataset:
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$43.00} Original Creditor : XXXX
I am the victim of Identity Theft. I notified my local police agency and my Credit Card, Nordstrom Signature VISA of the unauthorized charges. have complied with all of Nordstrom 's request, completed and supplied them with an Affidavit of Fraud. Nordstrom Card Services, without even contacting me has arbitrarily and capriciously not credited my account for unauthorized transactions, has adversely effected my Credit Worthiness as they have reported to the three Credit Reporting Agencies, XXXX, XXXX, and XXXX, I have used my card in an amount over the Credit Limit, where in fact I have not and the balance they are reporting is because of the unauthorized transactions.I have attempted to pay Nordstroms in fact what they are owed as an appropriate minimum payment on what charges were mine, have requested on multiple occasions they provide me with a true and accurate statement. They have not and I have no idea what amount I actually owe for a minimum payment as Nordstrom Card Services has not told me. Further, as part of the Nordstrom Card Services I am entitled to Nordstrom Reward Points, my account reflects that I have reward points but Nordstrom Card Services has refused to allow me to use them. Nordstrom is in violation of State and Federal Consumer Protection Laws and State Law of Defamation.
On XX/XX/2018, XXXX XXXX Central time, I had walked into a Jared Jewelers [ XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ] to get two watch batteries replaced. During this time, a younger gentleman in his mid XXXX  was helping me with my watch battery replacement, and we were chatting about watches. I just discovered my love of watches a few years ago, so I was enjoying discussing different brands and styles. He asked me about future purchases, and I said I don't plan to purchase anything right now but maybe in the future. He then stated they have a payment plan where I could pay " around {$60.00} a month '' if I ever decided to buy anything. Knowing that I wasn't planning on buying anything that night, I said that was good information to know for the future. Upon ringing me up, he handed me an XXXX to fill out basic information such as my address, etc to " see if I qualify for the special he was talking about. '' He also lead me to believe this was necessary to fill out so he could put the two watches on file in their system so I could continue using the watch battery for life promotion they do, and the company would know which watch is which. We continued talking, and by the time I got to the last page of filling out basic information, I realized he had coerced me into signing up for an actual CREDIT CARD. No where in the conversation and interaction was the word card, or credit card ever mention. No mention of APR, no mention of what I was signing up for. It was presented to me as if these steps were necessary to complete my watch battery transaction so my information could go on record and I would be to take advantage of the watch battery for life deal they offer. I have spent YEARS trying to rebuild my credit after having my score tarnished from past student loan issues. I have worked multiple jobs, over 60 hours a week and then some, to make sure my score is being repaired. I have not had a credit card in over 7 years, and I was being very selective of which card to apply for as my first. I couldn't believe that in a blink of an eye, this young man at a jewelry store coerced me into getting " just a credit card '' as he put it. Not only will this card do a hard pull inquiry ( he didn't even know what this term meant ... ) but it seemed like this was no big deal to him. I feel absolutely violated that I let my guard down at a jewelry store. I want everyone to be aware how sneaky these people can be. In a matter of minutes, this XXXX-something individual was able to ruin over 5 years of hard credit repair work with misleading me into signing up for a credit card I absolutely did not want.
XX/XX/XXXX I was notified of yet another fraud entry of a debt on my transunion credit report.. I attempted to file a dispute and it does not allow a explanation for your dispute.it appears it goes to a third party and your restricted by less then 20 words to explain your dispute..insufficient as it allows only 2 sentences to address complaint and dispute. THe next complaint pursuant to FCRA where a credit reporting company can only accept a debt for collection if it was a agreement to pay debt, a contract or a judgement was enter none of these exist from receivable performance mgt ..This collection company is not only not authorized to collect any debt, but fabricated a debt and did great harm to my credit. That I never had a debt with XXXX XXXX, nor did I pay bills to XXXX XXXX, nor did I have a contract with XXXX XXXX..XXXX XXXX is where I had a financial relationship with for a year. XXXX XXXX informed me that XXXX XXXX been paid in full and in advance That this collection is a fraud and without merit. Transunion must act immediately there is no grounds or justification to enter a fraud entry on my credit report with out proof of debt, or even if they are in compliance with federal and state laws.Transunion failed to come into compliance with FCRA and should be held accountable.
I have always rounded my mortgage payment up. My loan payment is XXXX. I pay XXXX every month. The balance, though my mortgaged is fixed, adjusts so no matter what the payment is, I always round up, sometimes as much as a XXXX dollars more. As far as I know, I was late once on my mortgage ( resulting from the one time I attempted to pay my mortgage payment through the website which led to a snowball of financial tangles which have been fixed ). 

I pay my mortgage electronically which means real time payment. I notice that while I have a grace period from the XXXX to XXXX of every month, after which I am assessed a late fee, and even though I am not late on my payments, U.S. Bank has been applying the extra money I pay every month to late or other fees, so that the extra money I pay doesn't affect my balance. Please also note that they say I pay {$3000.00} a year in county taxes. I am calling the county to confirm this is incongruent with the actual statement I receive from the county.
In XX/XX/XXXX I used a PNC ATM that had a skimmer on it. {$200.00} was taken from my checking account on XXXX XXXX. The next day I discovered that I had no money in my checking account. On Monday the XXXX I called my credit union and picked up a discrepancy report and returned it on XX/XX/XXXX. Two weeks later the local XXXX XXXX aired a story about the skimmer on the same PNC ATM. 

Then my credit union told me that Pnc bank will not refund my money since it was a pin transaction the next then I called PNC bank and they told me that I had to talk to the credit union. At this time I started to become frustrated with the runaround and being told it 's the other places responsability to refund my money so I contacted the XXXX and they told me that it was PNC bank and that I should contact the CFBP I know my {$200.00} is never going to be seen again but I figured to try one last option
Wakefield and associates of XXXX, Colorado, has been attempting to collect a debt from me for one year. I have never received proof of the debt in writing They have called me multiple times during the day and evening. They have argued with me and have said they do not need to send paper proof of debts. The collection reported on my credit report does not match the amount they are seeking.
I have a vehicle loan with Ally financial. I have been behind on payments.  XXXX  years ago,  Ally viol ated the FDCPA by contacting me in excess of  XXXX  times in a  XXXX  hour period. Almost immediately thereafter, they would accept my electronic payments, hold them for 30 days and then return the funds to my bank account stating that they suspected fraud. The payments had cleared an d Ally k ept the money for 30 days and then returned it. That action seemed retaliatory to me at the time, but I did as they requested and made payments through  XXXX   XXXX  and  XXXX   XXXX  for a period of time. The issue with that was, that after they returned so many of my payments, the amount I needed to pay was in excess of what I could send in a 30 day period through  XXXX   XXXX  or  XXXX   XXXX . Then, they took my online access to my account away, so that I could n't even see if or when payments were being applied. After the repeated phone call incident, I did not want to speak  to Ally  over the phone any more and wanted to communicate with them in writing, so they took all of my accesses away so that I could not get any information except what they  chose to send me in writing. I have been attempting to get the account back to current for quite some time now by making electronic bi-weekly payments of {$400.00} ( $ 800 monthly which is {$200.00} more than my monthly payment ). Ally has sent me email c orrespondence stating that they have options for me and can help me get my account back to current, but, whenever I respond in writing, I get nothing. I have to call if I want to take adv antage of the options, but, every time I call, I am told there are no options. Last week, I sent Ally a written proposed plan to get my account current and make bi weekly payments of {$500.00}  to get my account caught up. Today, after months of accepting my biweekly electronic payments, they sent a payment back that they had held, again, for 30 days or more. There was no reason for that action. However, the last time I spoke with someone at  Ally they stated that the only reason why Ally could not take legal action against   me was because I continued making those {$400.00} payments. It seems as though this is again, a retaliatory action by Ally to make it nearly impossible for me to ever get my loan current because I am limited in how much I can send via their accepted payment methods. I believe it is unfair for them to hold my payment for 30 days, knowing it has cleared my bank, and then return it saying the payment is fraudulent. Ally seems to be trying to get me in to a position where they can sue me, but I am trying to do every and any thing I can to get this matter resolved. I have been treated very poorly and unfairly by Ally who is a ctive deceptively and also taking retaliatory action against me first, for reporting their FDCPA violations and now, for attempting to come to an alternative agreement for payment to resolve this matter.
I have received and loan dept collection notice regarding and loan dept from XXXX XXXX XXXX XXXX on XXXX XXXX regarding and loan dept of the amount of {$700.00} dollars. 
After XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has sent out the Power Of Attorneys Authorization to communication form to call and contact them regarding my loan dept with their creditor The Cash Store # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX and to them as well on XXXX XXXX to call and contact them directly as my Legal Deptment Management Program Power Of Attortney Record to direct all communication with them to settle dept loan payment and to cease and desist any communication with me regarding the loan dept. And XXXX XXXX Went to on XXXX XXXX sending and threating collection notice of loan payment to me instade of calling my XXXX XXXX XXXX XXXX to set up dept loan settlement payment arrangement with them to settle my loan account.
I have a car loan with XXXX XXXX since XX/XX/XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XX/XX/XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a Reaffirmation Agreement. I negotiated with their Lawyer 's  and received a lower interest rate and lower monthly payment. The Bankruptcy was Discharged XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XX/XX/XXXX time  frame with the last dispute in XX/XX/XXXX. Since this car loan has been paid, on time, since XX/XX/XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a XXXX  representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with Equifax and XXXX and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.
The account with XXXX XXXX College amount is incorrect. The debt is being settled with the school but i have account credit services reporting on my credit report every month. This is effecting my credit and i was told by credit services reporting that they will accept a certain amount but im currentliy taking care of the bill with the school.
i have paid this account in full via settle. but it is been reported as charge it appear on my credit report on the XXXX/XXXX/2016 after it has been settle.
I have dispute XXXX XXXX and XXXX XXXX several times, and i get back validated, sometimes i dont even get that, i have sent disputes directly to the creditors and have not got any response from them either, i filed a complaint against XXXX XXXX thru XXXX to get validation for this account and they responded that Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 
so my credit report has inaccurate and missing information to be able to validate information, So transunion is now NOTIFIED TO PROVIDED TO ME HOW THEY VALIDATE " XXXX XXXX " AND PROVIDE ME WITH WHO THEY SPOKE WITH AND THERE ADDRESS AND THE CONTACT THAT WAS PROVIDED TO THEM WITH MY SIGNATURE, TRANSUNION MY UP LOAD THIS INFORMATION ON CFPB SITE IN THERE RESPONSE ALSO UP LOAD THE CONTRACT THAT WAS PROVIDED BY XXXX XXXX, YOU HAVE CLAIMED THIS WAS VALIDATED THEREFOR YOU SHOULD HAVE THIS INFORMATION. 
AT this time i believe Transunion is reporting in bad faith and profit do hold my credit score down by not remove un-validated tradelines that they recieve money from. 
if this does not correct the problem then in left no choice but to file in XXXX XXXX court on XX/XX/XXXX and get an order to provide plus montery recovery from the courts
I have sent  XXXX  written request to Experian requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did n ot verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can n ot be verified. I am requesting deletion of all disputed accounts which they did not verify.
History : We moved to XXXX in XX/XX/XXXX. They lied to us about the savings we would see, the coverage we would have, and the bonuses we would receive if we switched over. I made FCC complaints and over the course of 4 months tried to get this resolved. In XXXX we switched over to XXXX. XXXX refused to port my number for 2 days, leaving me without a phone and costing me {$15000.00} in commissions. I filed another FCC complaint. Our agreement with XXXX said if we left them, we still had to pay the monthly cost of leasing the equipment. However, they then demanded the entire payment at one time. I would try to talk to them, but they refused to talk to me, saying they could only speak to my husband, who was the primary holder of the account. Over the course of the last two months, he has played phone tag with them trying to resolve our issues with them. 

Reason for this complaint : yesterday we received two pieces of mail. The first was from a collection agency, saying that XXXX had handed over our account to them. The second was from XXXX ( both letters were dated XX/XX/XXXX). XXXX was demanding full payment of the lease amount by XX/XX/XXXX or they would hand the case over to collections. My husband called the collection company and found out that XXXX had emailed, on two separate occasions, my XXXX year old son to demand payment. My son 's email is not associated with the XXXX account. My husband 's email and my email are. XXXX did this before during the 4 months that we battled with them ( although it was calling my XXXX year old sons ). We clearly let them know at that time which phone numbers belonged to who, and ensured the only emails on the account were my husband 's and mine. They did not call my husband, or I about the account. They did not mail anything to our home prior to XX/XX/XXXX. They purposely contacted a minor, multiple times, and made no good faith effort to contact either of the adults on the account.
I have the citi prestige card. It is supposed to reimburse your airline credit in the amount of {$250.00} every year. I made a purchase on XXXX XXXX on XXXX XXXX. When it did n't post i called and they told me that i needed to fax in a copy of my ticket. I did this, waited a couple weeks and called in again. They said they never got it. I then talked with XXXX from team XXXX who assured me that this would be taken care of if I emailed him a copy of my tickets. I emailed it to him like he said - elite @ citibank in the subject line i put attn : XXXX, team XXXX. My husband also had to do this. Eventually my husband 's posted but mine still has n't. 

Here is where it gets even worse, i have now contacted citi about this 11 times.On times 1-9 they said that i would post on next statement and if it did n't they would follow up with me. Well, very frustratingly, they have never posted and they never follow up with me. Yesterday, through private message ( time # 10 ), XXXX told me it did n't qualify. This floored me after all these contacts i have had with citi and i called in. The lady i spoke to 2 mroe times yesterday assured me that she would contact her supervisor when he arrived and call me back and take care of it. 

Guess, what, she never called back! I know this should n't surprise me as that is what everyone has done. I would encourage Citi to go back in and look and the contact i have had and time i have devoted into getting my airline credit on this expensive card. I have no doubt spend over 6 hours of frustration trying to get this done on my time outside of work. I am very highly disappointed in Citi 's actions. It seems to be a textbook case of how not to run a business.
Accounts with XXXX XXXX are reporting as closed. 

Student loan payments are not being reported at all Other credit card accounts are not showing or showing as closed. 

Causing me not have a score from them
I called in on XX/XX/XXXX and spoke with a representative in regards to a payment getting returned that I noticed on my Capital One Credit Card. She told me to contact the bank to confirm my account number. I submitted another full payment to try and pay my credit card off and I got the account number incorrect again by one digit. I just opened up this checking account last month so I was confused on the account number. The representative I spoke with on XX/XX/XXXX never mentioned my account could be subjected to closing if I have another returned payment. So I submitted a second payment with the full amount in which got returned because I got the account number incorrect again. My payment wasnt even due until XXXX. I called my bank again and they told me that instead of going through my Capital One App that I can go through my banking app. I did that. I submitted a {$10.00} payment and it shows it went through. However, capitalone closed my account. I have not even had the credit card for a full month. My payment wasnt even due. The payments got returned due to an invalid account not because of insufficient funds. Capital One never called me to notify me of my account being closed or assisting me in anyway to prevent my credit account being closed. I called in today, XX/XX/XXXX, and spoke with a gentleman named XXXX who was not helpful at all. Did not care to help me fixed the situation and basically said that Im out of luck. Im upset because no one made me aware or notified me of the consequences of getting my account number incorrect. I can understand if the payment got returned due to NSF but it didnt. I made a mistake with my new checking account number. My payment wasnt even due on this credit card.
In XXXX I signed a Loan Modification with Bank of America. 
In XXXX Bank of America mailed me documents asking me to re-sign, when I called they informed me that they did not send the documentsand to please disregard. Every XXXX months I would receive the samedocuments and now in XXXX they inform me that there was in erroron the documents that were signed and I must re-sign. Now all ofthis has brought to my attention that there is a discrepancy withthe modification amount, a {$4000.00} difference. When I try todiscuss with them, no one can answer my question. I then callthe Dept. of HUD and they informed me that Bank of America hasalready been paid and if I sell or refinance I will pay Bankof America and Dept. of HUD. The modification amount was only {$4600.00} and Bank of America reports on my monthly statement {$8600.00}. When I ask for a break down, no one will help me, theyjust mail me letters stating I owe the {$8600.00}
I 've disputed this entry several times about incomplete and inaccurate information being reported..I personally contacted original creditor and was told he no longer had files and or paperwork to substantiate or verify my claims of inaccuracy..so with that being said how is my disputes being returned as verified ... .Although original creditor is reporting a XXXX balance/charge-off at most it should be showing paid/charge-off because I sent in photocopies of receipts that showed I paid this account in full thru the party it was outsourced to. Original creditor told me he could n't make any changes cause he no longer had my files .... ( I spoke with a XXXX XXXX of XXXX XXXX the branch manager at XXXX )