WillisBack/dataset-financial-user-claim huggingface dataset:
Re : Request for Investigation/ Debt Validation Request XXXX XXXX Bank XXXX Account # XXXX Sold to Asset Acceptance LLC - No Address on FileATTN : Asset Acceptance LLC / Federal Trade Commission / XXXX XXXX Bank XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from Asset Acceptance LLC debt collection agency on my credit file. XXXX Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( XXXX XXXX Bank XXXX ) for Disputed Billing Charges and Billing Errors in XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for Asset Acceptance LLC, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. 

This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via XXXX mail at the address listed above. 
Since Asset Acceptance have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by Asset Acceptance LLC., of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within XXXX days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the XXXX-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.
i was at homedepot in XXXX ca trying to use my commercial account with homedepot for a purchase of giftcards for a project my company was handling the head cashier called fraud departrment alerted them i was purchasing giftcards and the fraud department called every person listed on the corperation hey did u know that XXXX XXXX is purchasing giftcards every member of our company verified it so then fraud department told head cashier we couldny purchase giftcards with commercial acct no problem i will do purchase order over phone fraud department got mad and put block on account after i made purchases ... .. a week later then they are saying purchases need to be verified no problem lets verify them well we left a reference code on a phone number ok well we no longer have those numbers ok well the only way this can be verified is threw a number thats listed to company thats what i was told from fraud department consumer protection so then i said well when we opened acct those are numbers that where provided and they werent associated with company only members of company well sir we left messages with a reference number for this matter well what number did u do that with cause u said my company phone number are not verifiable to company so u can leave a message with reference number to this matter on those phones but u cant verify phone numbers that were givin when acct was opened i said im not understanding was also told that a letter was sent out which was all lies what going on here is that we have a closed account with citi bank XXXX XXXX and it has a balance and they are punishing us for non payment of said account it has nothing to do with purchases on homedepot account we have had this account for going on 2 years plus if there was fraud it would came up a long time ago and also i feel that there is discrimination going on here because im XXXX XXXX and that was a high fraud area from XXXX XXXX is what i was told but they wont unblock account no matter what we do ... ... ... ... ... this has been going on for 3 months also i have made several payments on acct
I have submitt ed 2 claim s already and multiple disputes with the credit agencies to fix this issue. While  XXXX    XXXX   has told me that they have submitted the fix, the proof is with the credit reports.  XXXX  and Transunion keep flipping their reporting from positive and negative.     While they updated a few things  XXXX  requested they did not update the main portion which is the current status of my account. And because of that, it is currently hurting my score and my APR for my new loan on a home.     I am requesting again,  XXXX  and the credit agencies report to the credit agencies the correct information. I do n't want to hear that you have when obviously it is not being reported by  XXXX  as current.  One day it appears as if it is fixed, then the next it is back negative again. All while the current status listed shows 30 days late even though the other information backs-up the proof of it being current.
On XX/XX/XXXX I sent a certified letter to XXXX XXXX requesting validation of a dent they claim I owe. XXXX XXXX did not send me verification of the debt that they were attempting to collect in their response letter. However, on XX/XX/XXXX I received an alert on my XXXX  report stating that my address has been updated to a CA address. Upon further investigation it was found that XXXX XXXX had made the update to my file. I have never lived in CA, nor do I plan to move there. If I had not caught this error, XXXX XXXX would have been able to claim that they were sending me correspondence to this address and I just didn't respond, which in turn could have resulted in my owing the debt by default I suppose. Therefore, I'm positive that their adding this address was a violation of the fair credit reporting act.
In the month of XX/XX/2018 I reviewed my credit report and there were many fraudulent accounts that were on there. I'm in desperate need of these items being removed.
I received notification from XXXX XXXX about a few new inquiries. To my knowledge I have not given any consent to no one to use my credit file without contacting me so Im puzzled to how the inquiries are listed on my credit report. This isnt factual records because I didnt give any consent to open up any new accounts. I am also sending this message and letter as an affidavit and I would like an internal dispute to take place for this matter immediately. The internal dispute shouldnt take no more than 72 hours after receiving the receipt.
Based on the recent News headline : " Wells Fargo Loan Modification Errors '' We tried to modify our Wells Fargo loan between this time period reported XX/XX/XXXX to XX/XX/XXXX and were denied over 20 plus times, we went to court mediation and offered them XXXX of my XXXX and they refused. After a year of meeting with them at the courthouse, they told us at the last session, they do not modify. Myself and the court-appointed mediator were dumbfounded, however, we continued to try and eventually had to short sale the home in XX/XX/XXXX. The damage, emotional, physical stress has been immense, we are still trying to recover, we are a family of XXXX, the kids took the impact of this event hard. We would like to know if we have any recourse to help get back some of what was taken if this all was due to an error on their behalf. We believe we were a victim of the computer error that has recently been reported in the news regarding loan modifications at Wells during this time period, this would explain why we were forced to short sell or be foreclosed on.
HSBC refuses to communicate with XXXX XXXX XXXX concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX.
I contacted portfolio recovery to request information in regards to two items that have been reported on my credit report. the orginal creditor on one was XXXX XXXX XXXX ; in which they said they do not have a record of and the other one is XXXX XXXX. I asked them to validate the debt in which they show me when the account was first opened, how much the account is, a break down of fees, and the contract. They were not able to furnish this information and have yet to remove this item from my credit report.
I applied to have my co-signer released after making 12+ on time monthly payments, building my credit history over the last year to XXXX and meeting all of the other requirements that Navient asked for. 

They declined my request to release my cosigner stating that my installment debt amounts are too high. Of course they're high, I went to a good, but expensive private school and can't pay off $ XXXX in debt in a blink of an eye. I've been making payments since 2011 and since most of the money I pay goes to interest, it's out of my control that the principal balance doesn't decrease at a fast rate. 

I have great credit history, made all my payments on time for more than a year and my credit history has proven that I'm very financially stable. They didn't take long to deny my request so that my mom can't be let go as a co-signer since they want as many people on the hook as possible. 

On top of so many other sketchy activies and predatory practices that this company has been involved with, this is just icing on the cake.
My Auto Lease payment was due on XX/XX/2017. I made my payment early on XX/XX/2017 Credit Card Payments that is used with GM Financial online payment option was XXXX via GM Financial online system when I log into my account. The Payment Option Link for XXXX. When I click on the link from there website It ask me to enter the Bill Payer, I entered GM Financial and a drop down came up to select GM Financial Leasing ( I have a lease ). I continue to enter my payment amount {$560.00} and XXXX XXXX confirms the payment and I paid same day service 2-4 hours fee of {$44.00} ( Total Transaction including my lease payment and XXXX XXXX fee {$610.00} ). After I get my payment conformation via XXXX XXXX Tracking number ( MTCN ) : XXXX. I email GM Financial right away asking them if the received my payment. I then receive an email from GM Financial 2 days later telling me that the payment has not posted. At this point I am very concerned because I always pay my balance on time and before the due date and somehow this payment is taking forever to apply to my account. I check my Credit card with my Financial Institution and the charge had already posted to my Credit Card I used on the same day. I contacted GM Financial several times to ask what is going on with my payment, my bank acct is drafted and payment is confirmed with XXXX XXXX, what is taking so long to post my payment to my account. I spoke to several managers and one Manager XXXX looked into research with the payment processing department and found the payment was made. I was told that the payment would be posted to my account at XXXX. Low and behold my payment was not posted the next day. I called GM Financial several times on the next day and was told they found my payment but somehow it was routed to another department and they are forwarding my payment to my account, and this time it will post in 24 hours, at this point its 5-6 days later. Today XX/XX/2017 I check my online account and I still see payment has still not posted. My Credit card has a posted charge deducted for the payment and XXXX XXXX has confirmed the payment on same date XX/XX/2017 and GM Financial has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency.
Sterling Infosystems conducted a background check on me for employment with XXXX and there was false information on my report. It said that I had a felony charge for disorderly conduct and a misdeameanor charge for assault which is also not true. I was charged with a XXXX in 2010 and a XXXX, not a XXXX in 2010 as well. Because of this, my job offer was revoked and the company has yet to send me the proper paperwork to dispute the claim with them. The background check was completed last month and I have been trying to get this straightened out. I want this taken off my record and they also only verified the information by my name and nothing else. They have caused me to be unemployed and out of a job because of a careless mistake on their behalf.
There 's a name on there that is not mine into addresses do not mind name is XXXX XXXX XXXX my name is XXXX and there at address is in there were XXXX addresses that are not mine XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX never lived in XXXX my name is XXXX XXXX XXXX
I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXX immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.
Equifax has failed to cease reporting the inaccurate information on my report noted below. I have filed numerous disputes, notified the creditors, hired a credit agency to assist me to no avail. 
1. XXXX XXXX XXXX is being reported by Equifax as charged off, this is not my debt. 
2. XXXX XXXX XXXX is being reported by Equifax as charged off, Potentially negative this is not my debt. 
4. Inquiries on my report were unauthorized : Power Pay, XXXX XXXX, XXXX, XXXX
I purchased my FHA home loan in XXXX. 
I lost my federal government job in XXXX. 
XXXX XXXX XXXX sold the loan in XXXX ; to XXXX XXXX ; due to delinquent payments. 
XXXX, XXXX sold the loan to an XXXX ; due to delinquent payments. 
The alonge note is not the original ; as I purchased the loan in XXXX. 
The Lender has converted my FHA loan to a conventional loan. 
The lender is expeditiously trying to sell the property without honoring a loan modification ; as required by law. 
I was never notified that I no longer had a FHA loan
I have disputed three medical debts with this company, twice due to the fact that these debts do not belong to me, once XX/XX/XXXX also inXX/XX/XXXX. This company has failed to respond to my letters that i have asked for a validation of debt numerous times.
I noticed my paycheck was n't the normal amount. I reviewed my paycheck statement and noticed {$490.00} taken out listed as garnishment. 
I contacted our payroll representative as I thought they had mistakenly started taking out spousal support to early. My divorce just completed and it 's due to start coming out of my pay next month. 
Payroll informed me that this was from a collection agency, not spousal support. The collection agency is listed as Portfolio Recovery. 
I was not notified in anyway that this process was going to happen. I was n't aware of anything until I noticed this yesterday XXXX/XXXX/XXXX. I searched online and it appears I should of been served papers, or at least received something regarding this action.
equilfax is reporting XXXX medical collections from a collection agency called XXXX. these collection were not billed to the right insurance im XXXX veteran the medical provider was instructed to bill the VA for services for XXXX. the VA will not pay collection agency. midmich medical sold these collection to XXXX and will not cooperate in the proper billing.i filed meany complaints with equilfax with no results.i want these collection removed now.
My accounts were to be on defferment but I am now being garnished. navient is now trying to contact me to tell me I am missing payments.
I opened th e Amex P latinum card with  XXXX  points bonus offer in   XXXX  .   Amex claw backed  XXXX  points and there was case was opened to determine the problem.   Amex closed my card in  XXXX . After the card is closed  by Amex , their me mbership rewards team concluded previously opened case saying that it was mistake on their side and they can re-issue  XXXX  points but account needs to reopen. I was told account can not be reinstated also points can not be redeemed.     After they closed the account I also got the letter from Amex saying that I can redeem points within 6 months but now they are saying no.     Amex did n't give me the opportunity to redeem  XXXX  plus membership points.
I was receiving unemployment benefits via US Bank XXXX. On XXXX XXXX, I noticed a fraudulent charge of {$280.00} from a place I 'd never used. I reported it that day and was told that I would receive a form to fill out. 10 days later, I called because I had n't received the form. They sent another, which I received and sent back to them right away. On XXXX XXXX, I called to check the status of my funds being returned and XXXX at XXXX said they had n't received my form. I asked her how can I mail it so that I have a receipt next time and she said I could not. I spoke to her supervisor, XXXX XXXX, who told me the same thing. So, in effect, they can keep telling me that they never received my form and keep my money. Obviously I need my money as I am unemployed. I 'd like some help getting my funds reinstated.
My wife and I did borrow to help pay for our XXXX sons ' college tuition. The collection of some of those loans have passed from XXXX to XXXX or XXXX servicing companies. One batch is now services by ACS ( a XXXX company ). We have paid {$210.00} monthly for several years. But I noticed on the last statement there is no cumulative accounting of what we have paid in principal and interest. I did notice that they say the outstanding principal balance is {$10000.00}. That seems very high. Particularly when I know we have nearly paid off in full another group of loans administered through XXXX XXXX XXXX XXXX. 
The account number on the ACS loan is XXXX. 
I would welcome your suggestions as to how I should proceed. I am reluctant to go to ACS 's customer service folks until I do some research on their track record. 
Also, I noticed this story from XX/XX/XXXX. 
XXXX You can reach me at XXXXXXXXXXXX or XXXXXXXXXXXX Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, MI XXXX XXXX
I have been receiving spam mail from TD Bank.

I did not sign up to receive this spam mail.

Just today, I received another spam mail.

I have attached the front and back of the spam mail I received.
I have sent documentation to XXXX XXXX XXXX XXXX three times to determine my income-based repayment plan. Each time I was given a different amount to pay. They have determined my income-based payments incorrectly each time. I have called several times, over five, and have spoken to supervisors. No one seems to get it. As I have explained, I am a XXXX. My pay rate changes daily and seasonally. Simply sending in my two week pay sub will not give you an accurate account of how much money I make. I do not receive pay checks, it all goes to taxes and then some. Great Lakes seems to think that they can take a number they see on my pay stub and multiply it by 52 weeks and that 's automatically my income for the year, which could n't be more wrong. I have also attached my tax information per the IRS website and still was given an outrageous amount to pay, although I am making basically the same amount I did the previous year. It was raised over {$45.00} dollars. I have been with Great Lakes for over five years and have never had a payment amount this high. I have tried several times to explain this to Great Lakes representatives and each time their solution has been to send in another pay stub. So it could be calculated wrong again? Never in my life have I experienced such ignorance with a loan lending company, and I hope to resolve this issue without taking further action.
An account was opened in my name approximately XX/XX/2018 through XXXX XXXX. utilizing my name, social security number, birth date and my home address and was immediately charged up to $ XXXX.I was  not aware until I received a a collection notice from XXXX in XX/XX/2018 demanding a settlement.I called XXXX XXXX . to question the account and reported a case of stolen identity. They provided me a case # and suggested I contact the credit bureaus to establish report of Identity Theft. I have done so. I also sent a dispute letter to XXXX on XX/XX/2018 requesting that they provide me the details of their findings and confirmation that I have been relieved of this debt. To date I have received a call from the debt collector they have hired approximately 30 days after I had sent this request and have not received any confirmation of the above.
We were in a chapter XXXX and were at the end of it ready to have it discharged. When Specialized loan Servicing LLC would not sign off for the discharge, they claimed we still owed them over XXXX dollars. We explained to him this. In XX/XX/XXXX we got a letter from our chapter XXXX lawyer about our mortgage is being transferred to Specialized Loan Servicing LLC. So we called to make a payment. They would not talk to us because we did not have a loan number. So this went on for three months but in this three months our trustee was making payments to them. Then My husband called because they would not give me ( XXXX ) any information. Finally in XX/XX/XXXX they took our payment. Then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Them I called to make XX/XX/XXXX payment and they would not take it. This is right after our lawyer went to court and won against them that we were currant on our payments and we did not own any back payments. We had also just received our Chapter XXXX discharge. I fully intend to make my XX/XX/XXXX payment I will mail it.
Either a Macy 's customer used my phone number or their debt collector randomly selected mine and attached to delinquent account. I asked not to be called again. Called again less than a day after I requested for the harassment to cease. I called the XXXX number left on voicemail by XXXX XXXX. She verified by last XXXX of the SSN that I am not the account holder.
Received a letter all of a sudden with a settlement offer, after disputing information on credit report requesting debt validation. It has been over 30 days and company has not responded with validation of debt ...
I have a mortgage with M & T Bank. I have gone through bankruptcy and have had a modification. A program I thought was suppose to make home affordable. Instead, my mortgage continues to increase and I am not understanding why that is. I want and need to know if M & T Bank is acting accordingly when it comes to my mortgage.
No action has been taken I bank with Wellsfargo bank for over a year now I was a victim of identity theft they close my account and reopen a new one without my knowledge and a phone number was link to my account with my knowledge I have many transactions that where not mine still have not got my money back but refuse to help me XXXX XXXX XXXX is another company thats was taking money out of my account without my authorization