WillisBack/dataset-financial-user-claim huggingface dataset:
They are reporting an unvalidated debt on my credit report and I sent them a letter on XX/XX/XXXX requesting validation of this debt. They have not sent me anything to meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

I have requested the following -- all of which they have refused to supply : " What the money you say I owed is for : 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 : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : '' They responded to me on XX/XX/XXXX saying to contact the credit bureaus which I have several times and they tell me it's verified but will not supply proof of this verification. They tell me to contact the company and then the company tells me to contact the credit bureaus -- we are just going in circles at this point and yet no one has supplied me any validation of this debt.
I recently experienced hail damage on my roof in XXXX when a storm came through XXXX. I filed a claim with XXXX XXXX on XXXX/XXXX/XXXX. After the adjuster came to the house a final report was completed and a check was issued and mailed to me. Per my instructions, I forwarded the check in the amount of {$6100.00} to my 2nd lien holder ( XXXX XXXX ) for endorsement after a couple of weeks of waiting, I called in to check status and was told that my mortgage had been service transferred to XXXX XXXX XXXX ( " XXXX '' ) and that they had forward the check to them for endorsement. After waiting a couple weeks for the transfer to take place I started calling XXXX to check status. Day after day, week after week, they continue to tell me that they were still receiving mail from XXXX and that they had n't received the check. After two months of waiting, XXXX advised that it appeared the check was lost and that I should have XXXX reissue a new check. As such, I contacted XXXX and they put a stop check on the original check and reissued a new check. On or about XXXX/XXXX/XXXX, I received the new check and sent it overnight directly to XXXX for endorsement per their instructions. I followed up a week later to check the status of the check, and was advised it was still in processing being endorsed and it should be completed within 2-3 business days. On or about XXXX/XXXX/XXXX I followed up a week later and was told the proceeds had been wired to Nationstar, my 1st lien lender. So I called Nationstar, and was told they had not receive any proceeds and that they did n't even accept wires. I called back into XXXX, each time holding anywhere from 10-30 minutes for a representative. This time, I reached XXXX ( ID XXXX ) who advised that a check had been sent regular mail to Nationstar on XXXX and I should give it 5 business days to arrive. After waiting a week, I called Nationstar, and of course they had not received it. I called again a few days, later, still no luck. Finally, today on XXXX, after calling both companies twice to check status, I finally got XXXX ( ID XXXX ) at XXXX to do more research and tell me that they had sent the check via XXXX on XXXX to Nationstar. I confirmed the tracking number online and confirmed that XXXX XXXX of Nationstar had signed for the package. It has been almost three months since the first check was issued, I still have no proceeds, I have had to reschedule the roofers twice, I have sustained additional damage to my interior due to holes in my roof and the subsequent rain storms that are now not accounted for in the adjusters report. I am beyond frustrated and desperate to get this resolved, but have no way to get any help and each servicer just keeps pointing the finger at the other. I have no other ideas other than to ask the CFPB for help.
On XXXX XXXX, 2017 I was doing refinancing of my Mortgage and my credit was ran and the loan officer discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan : XXXX XXXX Account : XXXX  Opened on XXXX Amount : {$1000.00}
I had an old retail acct with XXXX XXXX that was opened XX/XX/XXXX. After I lost my job the account did become behind. The debt was never paid in XX/XX/XXXX my new wife became upset when she received a call ( XX/XX/XXXX ) saying I was being sued and having criminal charges against me. She was not aware of the debt since it occurred during my first marriage. The company also called my mother multiple times, also telling her that I was going to jail. My wife then began the proper actions to correct one of my lives mistakes. She spent several hours on the phone with XXXX XXXX XXXX and XXXX XXXX XXXX. After many failed attempts she began to write letters to both companies ( sent via certified ). ( XX/XX/XXXX ). On XX/XX/XXXX the calls began again. A female by the name of XXXX called stating she was from county clerks office and they are trying to serve me ( XXXX XXXX ) with court summons and failure to comply could lead to criminal actions. In a panic my wife returns the call speaking with a XXXX XXXX. This rep  was rude cussing my wife and telling her that I was going back to jail for 8 months for having stolen property which could be longer since I just got out of jail. Someone has been misinformed because I work in XXXX XXXX and I XXXX XXXX XXXX not break it. I have recorded conversations with this so called collections company.
We were coerced into financial ruin by several mortgage companies that our loan has been passed too in order to cover their wrong doing. We have been trying to negotiate a modification that has been used to entice us to leave a successful chapter XXXX, we have an attorney that has been diligently persuing this modification. With no success being brushed aside casually with a statement that they are not authorized to negotiate. Further they refused to provide proof that they are current holder of our note. We have also pursued this thru Congressman XXXX XXXX office. Their response to the congressmen office was entirely different than to us of which they will not respond too. All we want is what is fair and what they agreed to do when they accepted the XXXX XXXX in TARP money to provide loan modification to home owners who qualify.
Credit card account does not belong to me from XXXX XXXX, I want to remove this account from my credit report. It is showing up on my Experian and XXXX   report
CFPB XXXX FDIC XXXX. 
DEAR SIR THIS LETTER WAS SENT REGULAR MAIL TODAY TO ASCERTAIN THE FACT I WAS NOT A RESIDENT OF MASSACHUSETTS AND CITIZENS BANK IS REQUIRED TO RESEARCH THIS A.T.M.FACT, AND THEREFORE I WAS NOT A TAX RESIDENT ALSO. ILLEGAL TRANSFER OF FUNDS. UNDER THE UNIFORM ENFORCEMENT OF FOREIGN JUDGEMENT ACT, ANOTHER STATE TAX AGENCY CAN NOT COLLECT FROM A SECOND STATE. I WAS NOT A RESIDENT OF MASSACHUSETTS   FOR ALL OF XXXX, XXXX ( only XXXX XXXX, XXXX after citizens bank would not send me a bank card to the UNITED STATES EMBASSY ( XXXX ) who gave me permission and who can verify the fact i was  devistated, and had to return to the u.s. and i stayed in the s h e l t e r -- not a tax resident for XXXX ) NOT A RESIDENT FOR ALL OF XXXX, ALL OF XXXX, ALL OF XXXX I C AN GO BACK AS FAR AS XXXX WHEN I DID RESIDE IN A WEEKLY MOTEL ... NOT A RESIDENT FOR TAX IF YOU RESIDE IN A WEEKLY HOTEL ... ANY WAY, FOR THE LAST 5 YEARS I WAS THERE ALMOST ZERO DAYS. IF ANYTHING THIS STATE OWES ME MONEY. MASSACHUSETTS   DEPARTMENT OF REVENUE XXXX BELIEVED ME AND SAID TO REQUEST THE TAX PREPARER, XXXX -- THE TAX PREPARER XXXX XXXX HAS BEEN REQUESTED TO SEND THE INFORMATION -- HE EVEN SAID I ONLY OWE FEDERAL TAX, NOT STATE. EMAIL ADDRESS -- XXXX -- -NAME, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX ma . XXXX I DID NOT OWE STATE TAX AS HE ALSO KNOWS. I WAS OUTSIDE OF THE U.S. FOR MOST OR ALL OF THIS TIME. 
THE TAX PREPARER ALSO DID NOT RESEARCH THE FACT ( ascertained by u.s. tax preparers across the ocean in the e.u. ) I AM QUALIFIED FOR THE FOREIGN TAX CREDIT FOR SURE. ACCORDING TO MASSACHUSETTS TAX AUTHORITY, THE TAX PREPARER FILED THE ERRRONEOUS ERROR FORM ... .ANY WAY, THIS IS ALSO FACT THE CITIZENS BANK IS REQUIRED TO RESEARCH THE FACT ALSO - I WAS NOT A RESIDENT OF THAT STATE .... MY ADDRESS IS XXXX XXXX XXXX, XXXX XXXX,, RHODE3 ISLAND XXXX. 
YOU ALSO HAVE ACCESS TO THE A.T.M. MACHINE FACT I WAS NOT A RESIDENT OF THE STATE. THE BANK IS LEGALLY REQUIRED TO RESEARCH AND INVESTIGATE THE FACT AND REPLACE THE ILLEGALLY WITHDRAWN MONEY ... THEN THERE IS ALSO XXXX INVESTMENTS WHO WOULD NOT ALLOW ME TO UPDATE MY ADDRESS, WHO DID WITHHOLD MASSACHUSETTS TAX FOR AN INHERITED I.R.A. REQUIRED DISTRIBUTION. XXXX TOOK A FALSE COMPLAINT, WE BELIEVE FROM FORMER EXECUTOR ATTORNEY, WE THEN WENT TO XXXX. WHO REQUIRED XXXX TO DO XXXX   TRANSFERS OUT OF XXXX TO ANOTHER BROKERAGE INSTITUTION. 
XXXX MIGHT BE THE REASON FOR SOME OF THIS. ERRONOUS ILLEGAL FILINGS CAUSING THE ILLEGAL WITHDRAWAL OF FUNDS. IF THIS COMPLAINT IS HELPFUL TO YOUR WORK, THEN YOU MAY PUBLISH IT .... ONLY IF MY NAME IS DELETED.
I sent in a dispute last year and again in XX/XX/XXXX. This item was removed from my account. After 3 months it is put back on XXXX and XXXX  with an opened date of XX/XX/XXXX which from my understanding the open date has to be the date originally opened which was in XX/XX/XXXX. I constantly get calls on my cell number from Diversified Consultants at all times of day and night. I have never received written notification from anyone about this item being put back on my account.
On XXXX/XXXX/15 I requested Business and Professional provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
The following complaint is against Bank of America. Loan # XXXX in conjunction XXXX XXXX Ph. XXXX Whom was supposedly facilitating our loan modification review .We submitted all requested documents in XXXX XXXX To Bank of America XXXX XXXX XXXX Bank of America sent correspondence stating I needed to sign my XXXX tax return, Send recent bank statement. Forward by XXXX I emailed/faxed copies of the documents to XXXX XXXX XXXX XXXX XXXX who was supposedly facilitated the modification. Approx XXXX XXXX. XXXX I called XXXX XXXX requested to speak with XXXX XXXX received his voice mail again. This Matter has been going on for three years. very disturbing for someone whom takes account for my lack of .However both Bank of America/ XXXX XXXX should be held accountable for the unethical conduct surrounding the matter at question. Had no idea the due process for a loan modification would result in filing mutable complaints. Seems as if this is the only way to obtained a response from Bank of America/ XXXX XXXX XXXX Note : I have FHA loan the bank is suppose to allow me a modification if I met the guidelines within the 24 months required before requesting another modification prior to the current..
This debt is an old debt back from XX/XX/XXXX that I have been harassed by primus financial for. I currently have a modification saying that I owe XXXX that was dated XX/XX/XXXX. They garnished {$60.00} from me on XX/XX/XXXX. On XX/XX/XXXX they took {$370.00} out of an account that was not mine. I am a signer on someone elses account and they took money out of their account, and my savings and checking. They left all accounts with a zero balance. The person whos account they took from is not my spouse and it is not their debt.
What Happened? 

Subject : Key Bank National Association " Key Bank '' extending processing, not evaluating documents properly. XXXX submitted XXXX requesting modification result from Separation settlement. XXXX has noted that a financial hardship does exist as a result of the marriage separation due to the extra cost involved. XXXX has provided all required documents to Key Bank, only to be denied. Key Bank commenced double tracking while homeowner was acting in good faith under the DOJ/ XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement. 


Key Bank is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified. 


This homeowner, feels that her case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 
2. Currently there is no single point of contact assigned to the pending foreclosure. 
3. I am qualified and able to request the MP2 modification via the National Mortgage Settlement Agreement and the DOJ Department of Justice XXXX States Attorney General 's Settlement Agreement. 
4. Homeowner is eligible under the CFPB Consumer Finance Protect Bureau guidelines : to request a XXXX mortgage principle reduction and or the HELOC forgiven. 
5. Homeowner has a XXXX mortgage and HELOC with Key Bank Account numbers : 1 ) XXXX and 2 ) XXXX. 
6. Key Bank has made a formal demand to start foreclosure proceedings on the Account number : XXXX : dated XXXX XXXX, 2015. 
7. Key Bank has started a double tracking procedure on XXXX XXXX, 2015 while homeowner is trying to work out a solution with in the HAMP guidelines. 
8. Homeowner is in a state of fear created by the collection tactics by Key Bank collection department. 

The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure. 

Alleged violations, included, but are not limited to, the following : a ) Failing to perform proper loan modification processing ; b ) Failing to manage processing agents and special points of contacts, therefore causing the processing center unable to handle homeowner 's caseloads, a form of mortgage discrimination against homeowners.
Made a purchase from XXXX for {$700.00} and when the package arrived, it was not what I ordered so I returned it. XXXXXXXX XXXX states that what they received is NOT what I ordered, which is EXACTLY the problem, I did NOT receive what I ordered and they refuse to issue a credit to my account when the error was on their side to begin with. 
I wrote and called and their response was that they already responded. 
Wrote to the card issuer and they stated the same thing, that XXXX already responded. 
It appears NOBODY wants to read or understand the issue. 
XXXX kept what was sent back and refused to issue credit to my account. 

Now they are reporting to the credit bureau that I am a dead beat and do not pay my bills -- I made a few payments to keep my credit good while I attempted to resolve but it is clear they REFUSE
Again, Chase Bank deducted NSF fees very late in the next morning!! My check from XXXX ( pension ) was recorded on XXXX/XXXX/2015 and when I checked at XXXX ( XXXX/XXXX/2015 ) everything was o.k. XXXX no deductions from my account ). However, when I checked again this morning ( XXXX/XXXX/2015 ) they had delayed deducting some of my checks until XXXX/XXXX/2015 and yet said that the checks were from XXXX/XXXX/XXXX, causing a NSF fee. This is, again, a rip off of customers that Chase uses as a tactic to receive millions of dollars a day unfairly from their customers! This is the 4th time that this has happened to me and the 2nd time this week. They had said a couple of weeks ago, that this illegal tactic would be rectified, but they have not either rectified ORr they are delaying rectifying this until they continue to collect millions upon millions more or they are not going to change this dirty, money grabbing tactic like they told CFPB or in a letter to me! There should be a class action suit for hundreds of millions of dollars in regards to the continuance of this dirty tactic!!! I coluld see why Chase has one of the worst records when it comes to complaints. I was originally ripped off about {$700.00} a few years ago, but I complained to an assistant manager and he proclaimed he was going to help me, but I went back several times to talk to him, but nothing ever happend and I was unfairly out of over {$700.00}. The Chase assistant manager was a big phony and did n't do a thing for me like he said he was doing!
I was contected by Blackwater Capital Group sometime in winter/spring of 2017 in regards to an outstanding payday loan. This company called me at work and I returned the phone call immediately and asked them not to call my job ever again. I did not recall having this debt but I proceeded to make payment arrangements to avoid more problems with the debt. I made automatic payments every other week but I cancelled my debit card at the beginning of XXXX due to fraud issues. I spoke to XXXX XXXX and told him I would contact him soon to rearrange payments. 2 weeks went by and he has called me at work at least 5 times and the worst thing is that he contacted my ex domestic partner whom I have n't spoke to in 4 years and left a message in her cell phone describing my debt. I do not wish to be contacted by this company anymore.
On XX/XX/XXXX I opened a XXXX XXXX Credit Card for the purchase of a wedding band costing {$420.00} with a {$84.00} down payment. 

When the ring arrived, I was unsure on whether I really liked the band in person. I ordered another wedding band on XX/XX/XXXX in the cost of {$460.00} with a {$93.00} down payment. 

On XX/XX/XXXX, I returned the original ring with return value credit of {$420.00} which was put towards the outstanding purchase of the 2nd wedding band for a total balance of {$290.00}. 

The remaining balance owed on the loan was paid off as follows : XX/XX/XXXX - Payment - {$40.00} XX/XX/XXXX - Payment - {$40.00} XX/XX/XXXX - Payment - {$50.00} XX/XX/XXXX - Payment - {$80.00} XX/XX/XXXX - LATE FEE Charge {$27.00} XX/XX/XXXX Payment - {$100.00} {$0.00} balance in account - XX/XX/XXXX My husband and I are attempting to secure a home mortgage and were shocked to see that my credit score had gone down by over 100 pts. After working with our lender, we learned about this credit error from XXXX/XXXX that is hurting my credit. 

I have called XXXX XXXX ( XX/XX/XXXX ) to ensure that my account is indeed at a {$0.00} balance and I have been sent a letter that confirms that the account no longer has a balance. When I inquire about the credit reporting I was told to follow up with XXXX. 

On calling XXXX ( XX/XX/XXXX ), it was confirmed again that my account is at a {$0.00} and the reporting is in error. I was told to file a complaint to have the creditor adjust the way it's viewing. 

Please help me to fix this error so my husband and I can secure a loan for a home.
I Wrote a letter to the ERC Group disputing the validity of this debt, a year ago. When they failed verify this debt, I assumed it was dissolved. But now a year letter they are calling me repeatedly & sending threatening collection letters. Calling me at obscene hours etc ; claiming I owe them $ XXXXon account # XXXX, XXXX XXXX XXXX . Their assigned reference # XXXX to me. I do not owe this alleged debt. I would like you to have them cease & desist.
I was sent emails about a debt that they claim I owed to XXXX.com. I responded back that I am willing to clear this debt if I can make installment payments. They said if I could make a payment ASAP they would settle for XXXX of what is owe. The issue I had was that I asked for official documentation stating the original amount of the loan and how much is owed. They could n't give me the information until after the amount settled for is paid. And another thing they wanted me to send money my XXXX to an " employee '' instead of to the company,
My purse was stolen several years ago and I was also a member of the XXXX who 's private information was stolen. I have repeatedly sent the police report showing my social security card, ID, and birth certificate card was stolen to TransUnion over the past few years. They refuse to remove inaccurate data from my credit report and continue to ruin my life. 
I have contacted the creditors they are reporting a debt from and the creditors refuse to supply me with any debt validation or paperwork at all so I can defend myself. It 's illegal for Transunion to continue reporting this false data, just because someone knows my social security number. They MUST be removed, by law. The data that must be removed is as follows. XXXX # XXXX {$160.00}, XXXX XXXX XXXX XXXX XXXX {$380.00}, XXXX XXXX # XXXX {$3600.00}. 
Please be advised these are NOT my accounts and if they are not removed as a result of this final complaint, I will have XXXX XXXX file a lawsuit against you, Transunion, for violations of the FCRA and Florida Consumer Protection Act. I am done being a victim.
Dear TRANSUNION : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me. Any help you can give me with updating this information as soon as possible would be greatly appreciated. As a reference I am including a copy of page one from the credit report File Number : XXXX, Date Issued : XX/XX/XXXX My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Address : ( 1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX, Date Reported : XX/XX/XXXX, ( 3. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 4. ) XXXX XXXX XXXX PL, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 5. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 6. ) XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 7. ) XXXX XXXX XXXX XXXX CT, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 8. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 9. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 10. ) XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 11. ) XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 12. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 13. ) XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : N/A, ( 14. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, Date Reported : XX/XX/XXXX. I will await an updated copy of my credit REPORT to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX
I received a copy of my credit report and there is an account in collections from a company named XXXX XXXX XXXX I have never applied for any type of loan with this company nor have I ever applied for enrollment with a school with this name. This is not mine! I have disputed it twice with Equifax and they still haven't removed it. They are the only agency reporting this false account. They don't even report a collection company name only that it is collections. How could they even verify if they don't have a name on the account?
The account : XXXX XXXX  Acct # XXXX was previously reporting on my Transunion report and now it is not. There was a late payment that I disputed because the company was reporting it in error and it was fixed on the other two bureaus but it was removed from Transunion. 

I am in the process of purchasing a home and by this account not reporting ( it was removed and stopped reporting ) by Transunion it lowered my scores significantly. I  have contacted XXXX XXXX  directly several times and they have sent me a letter saying they requested TransUnion reinsert the tradeline ending in XXXX to my report and it is still not reporting after several months. 

I am purchasing a home and need this account to go back to how it was and report on my credit report! The company has requested it to be reinserted. Please help! I need this account to report to buy a home!