WillisBack/dataset-financial-user-claim huggingface dataset:
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   Law Dictionary ,  XXXX  Edition,   XXXX  , defines Verify a s, 1  ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate . '' 2 ) To confir m or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the accou nt ( s )   in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st hand   knowledge of the alleged account  ( s ) and  all that has ever transpired for the alleged acco unt ( s ), u nder oath and under the penalty of perjury. As I am sure that you are well aware, current  Federal  case law states th at, Consumer Reporting Agencies   bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Sectio n 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
A debt collector from West Asset Management called me on my personal phone informing me of a medical collection on XXXX XXXX, 2015. I advised that I would get a letter in the mail to them today to cease contact with me regarding this debt as it is still being reviewed by my insurance company. On XXXX XXXX, 2015, the same collection agency called my Father claiming that they were calling about a doctor bill and they were looking for me. This third party call should have never been made because they verified that my information was correct and my telephone number, additionally, they were advised not to call me by phone and in writing. Location purposes do not hold water here considering they spoke to me and verified my information.
XXXX XXXX XXXX is attempting to collect a debt that I do not owe. My credit profile took a huge downfall due to the company reporting several accounts as collection accounts. The information they are reporting to the credit bureaus is incorrect. The company bought this medical debt and the original creditor is XXXX XXXX Department. The accounts that XXXX XXXX XXXX are attempting to collect have " service dates '' that were covered under a charity care that was provided to me from the hospital, XXXX XXXX XXXX XXXX. XXXX XXXX Department utilizes this charity care program as well. Due to communication issues not involving me, my charity care was not forwarded to the XXXX XXXX Department and my coverage was not applied to several accounts. In addition, these same accounts were sent to collections without notification to me and, as expected, really hurt my credit profile. In an attempt to help this matter, I provided documentation to the XXXX XXXX Department showing that I was covered 100 % during the service dates. I have had several communications with XXXX XXXX Department over the phone and via email and they are aware of the situation and said they have forwarded information and documentation to XXXX. However these accounts are still reporting as of today. I feel this is unfair and I would like this fixed immediately. I want to ensure that XXXX XXXX XXXX corrects these errors, remove this information, and cease reporting this incorrect information to all three credit bureaus. I also want to prevent this incorrect information from being reported again in the future and/or sold to another collection agency. I would like this situation cleared up immediately. Thank you.
Hello, I    ma ile  d Northwest Financial Services    (   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Mo.  XXXX  ) a certified letter on   X/X/2017   recieved on   XXX  -17 re   que sting they verify and validate all collections they have in my name. A full list of account numbers were provided. On  XXXX  -1 7 NWFS se nt via USPS a  print out of all accounts stating " we have verified the debts stated in your communication on   XXXX   -17 fo  r  " our clients claims ''. I have a few issues with this, 1 ) I requested they report to all   XXXX   credit bureau 's I have claimed a dispute. Per FCRA they have 30 day to do so and did not.
2 ) This debt was sold to NWFS they are a debt collection agency, they do not work for the   XXXX   XXXX   XXXX  .
3 ) Per the FCRA and Missouri Attorney General   XXXX   XXXX   XXXX   sending an itemized statement opinion letter does not constitute validation or verifacation.
4 ) The unfair and now illegal actions on the part of NWFS has not only damaged my crefit it has caused extream hardship to my person, not only financially bur emotionally.
Please contact me at   XXXX   or via email to resolve this issue.   XXXX   Thank You   XXXX   XXXX   XXXX
RE : Jefferson Capital Systems Acnt # XXXX Jefferson Capital is currently attempting to collect a disputed {$1100.00} debt it says it purchased from XXXX. As part of its attempt to collect this amount from me, it is reporting it to several consumer credit reporting agencies, including XXXX The amount they are attempting to collect on on is inaccurate, as I made a final payment to XXXX prior to the account supposedly going into collections. I had also disputed a portion of the bill with XXXX itself several years ago. I had service with XXXX for less than a month, and discontinued it because there was virtually no coverage in my house and the service was about useless to me. I was supposed to receive a " courtesy credit '' from XXXX due to this. 

I have disputed this debt to Jefferson Capital multiple times ( XXXX/XXXX/17 and XXXX/XXXX/17 ), in writing, to the address showing for them on my credit report, stating that the the information they are reporting is not accurate. Jefferson Capital does not appear to be taking any steps to investigate the disputes and has never even bothered to respond. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. 

I simply wish for Jefferson Capital to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.
On XXXX XXXX 2014 a merchant has charged my credit card ending in XXXX, the amount of XXXX, after authorizing, then on XXXX, XXXX 2014 he charged again the amount of XXXX, " which was unauthorized '' this is beside the fact we never received the merchandise in full ( the tracking numbers the merchant sporting documents are showing is only part of the shipment ) also we never got a correct invoice from the vendor, ( all the invoices he sports is mocked invoices, without my permission or signature, ( in fact you can verify the date of the invoice is XXXX/XXXX/14, while the credit card charge was XXXX days before on XXXX/XXXX/14, how come he charge before I got the invoice ) After contacting American express during the last 11 months starting with the first dispute on XXXX XXXX dispute # XXXX, following with other XXXX disputes with the following dispute numbers XXXX, XXXX, XXXX, XXXX, XXXX and finely with # XXXX, a total of XXXX times, I got a response that the merchant has replied to our inquiry and has denied our request for credit, they have provided a detailed letter, " itemized invoices '' and the " proof of delivery of both shipments '', we have attached the supporting documentation " WHICH WAS PROVIDED BY THE MERCHANT '' for your review, In fact I never authorized those invoices ever, this was mocked invoices, without even my signature on it, the tracking numbers are not for the full shipment in fact he charged me a total of XXXX, my dispute is only for {$6100.00}, which is the amount of merchandise I did n't received ever, and the main point is, " I NEVER EVER AUTHORIZED THIS XXXX CHARGE '' To make it in short words to the point there is XXXX Main facts. 
1- I never authorized this XXXX XXXX I never authorized this invoices I never signed it3- I never got the merchandise in full ( the tracking numbers are not for the full amount of merchandise )
I'm perplexed to find out that the 3 major credit reporting agencies [ XXXX, XXXX, and experian ] hasn't responded or resolved the issues that I have constantly sent to them. I've noticed that there are multiple inaccuracies, and errors on my credit report which i've attempted to contact both credit bureaus, original creditors and the debt collectors. I haven't received any responses from them and would like amicable resolutions into these accounts. 

I'm certainly not aware of the following accounts and I don't believe I was ever late on them .... 

XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
I have contacted IQ Collections numerous times stating the debt amount owed is incorrect. They ignored my requests to correct the amount of the debt owed. I filed complaints regarding this on numerous occasions Including ( XXXX and XXXX ). I also called the company on XXXX. I then sent an email directly to XXXX ( supervisor within the company ) on XXXX, XXXX, XXXX, andXX/XX/XXXX. All my emails have gone unanswered.
On XX/XX/XXXX, I sent a request to the three credit bureaus, asking them to investigate three errors on my credit report. XXXX had no problem completing this task, as I got my response back from them within a couple of weeks. For whatever reason, I still have NOT gotten my responses back from XXXX and Trans Union, and its been well over 30 days.
This account XXXX  in charge-off status on my credit reports that is fraudulent and I have no knowledge of it all. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a { {$700.00} } credit limit, with a balance of ( {$0.00} ), and charged of XX/XX/XXXX and updating this information on XX/XX/XXXX after it was charged off.. Making it charged off and updated after the account was sold to XXXX  on XX/XX/XXXX per XXXX XXXX. I didn't receive a notice from XXXX at any time. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to XXXX on 3 separate occasions asking for validation, original account level documentation. Every time what I requested was refused but XXXX   would send me a printout of incorrect information.

XXXX XXXX   sold the account XX/XX/XXXX. On my credit report XXXX indicated at 2 credit bureaus that the account was opened XX/XX/XXXX with a balance of {$990.00} and a high balance of {$990.00} and at one credit bureau the account was opened XX/XX/XXXX with balance and debt {$990.00}. I have NEVER did business with XXXX XXXX, but XXXX is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudelent. The original account close date is XX/XX/XXXX and XXXX is re-aging it to XX/XX/XXXX.

I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record..
credit bureaus have failed to remove fraudulent accounts off my file that 's a result of identity theft
A company LHR , Inc in XXXX, New York is selling charged of debt to other individuals. They are threatening me with wage garnishment. What are my options to stop this? From my research - LHR is a questionable company. And may no longer be in business. I do not want the added expense of a lawyer, but if that is what I have to do I will.
We are a XXXX who completed hail damage repairs on a property in XXXX XXXX, WY. The original estimate was {$23000.00}. There was an insurance supplement of {$8300.00} and an additional supplement of {$260.00} bringing the total repair to {$32000.00}. The homeowner has a deductible of $ {$1600.00} so what the insurance company, XXXX XXXX XXXX, paid was {$30000.00}. These funds were sent to Ocwen Loan Serviing, LLC. The claim was made to the insurance company in XXXX of XXXX. Ocwen Loan servicing sent the initial payment of {$20000.00} in XXXX, XXXX with a balance of {$9700.00}. On XXXX/XXXX/XXXX the final bill for the work was submitted to the insurance company for payment and the final inspection was completed on XXXX/XXXX/XXXX. I have been trying since then to get payment from Ocwen Loan Servicing. I have faxed and emailed the same paperwork to them several times and have documented all faxes, emails and phone calls to Ocwen and would like to provide you with this documentation. It has finally come down to the fact that they verified they received the initial check from the insurance co of {$20000.00} in XXXX, {$260.00} on XXXX/XXXX/XXXX, {$8300.00} on XXXX and {$1100.00} on XXXX. They stated to me on XXXX that a payment of {$1400.00} was to be mailed out that day, I asked why that amount and they stated that was all they were holding. I called back and spoke to another representative that day and she verified that they had received the {$8300.00} but the funds were missing. She called the ins. co. and verified that the check had cleared their account so she put a search on that check. on XXXX/XXXX/XXXX I was told the missing funds had been found. a request was put in to expedite release of the funds. I called again today but they could not give me any information on it or when the funds would be released and suggested I call again on XXXX. Because I have been trying for 2 months to get my payment, my concern is that I am not the only person fighting with this company for payment. I feel this company needs to be looked into as their business practices are awful. There may be a miracle and I will receive payment but I have run out of hope of that happening, that is why I am reaching out to you. I am hoping there is a place where I can attach my documentation to this complaint so that you can see what I have been going through.
I received an email on XXXX XXXX from Nationstar Mortgage informing me that my mortgage with XXXX XXXX XXXX had been transferred to them as of that date ( XXXX XXXX ). This was the XXXX correspondence I had received that even stated my loan was being transferred. At that time, I attempted to log into XXXX XXXX XXXX to see if I could get any documentation to download and was not able to see my loan information. In that email it also stated that my loan information would be available in the Nationstar system by XXXX XXXX. On XXXX XXXX, I received an email from Nationstar informing me that I could log into their system with my old loan number and see everything online in order to make a payment. I was unable to do so and have sent off several emails and contacted Nationstar because my mortgage is due on the XXXX. I am extremely stressed over this whole thing because I was given no notice, was not allowed to access my account on XXXX XXXX XXXX, and now am unable to register or log in with a new lender. In the last email, it was stated that I would receive my new loan number in the mail in a few weeks. This will then cause me to be late on my mortgage and I do not want it to be affected. This is a very nightmarish situation, and from my understanding, I should have at least been notified of the changes.
I disputed a charge on my card because the goods received were defective and not as described, and the merchant was not responsive to my requests for return/refund. Citi opened an investigation, but did not collect any information from me. The case was then closed because Citi said the merchant provided ample evidence that my claim was invalid. The evidence from the merchant was nothing more than tracking information when goods were first shipped to me. I dont understand how that constitutes ample evidence that my claim was not valid since I was not disputing the charge on the grounds that the items were not received, but rather they were defective and not as described. I reopened the claim and submitted 1 ) correspondence between myself and the merchant that showed that the merchant dismissed my claim and did not respond to requests to return the item and seek refund and 2 ) several pictures depicting the defects and differences from what the seller advertised. Citi again closed the investigation in favor of the merchant because I did not provide evidence I returned the item. I can not provide that evidence because the merchant refuses to assist in the return. 

This is the same claim as XXXX, but Im listing Citi as the company ( XXXX was the merchant )
spoke with XXXX XXXX at Valentine Law Offices. He has violated the FDCPA and stated that I can not consolidate my loans because he is going to submit me for garnishment which is falsifying information and a scare tactic to get me to pay him and do the rehabilitation program. He also did not state the mini Miranda on our phone call with a third party on the line. He is also way too aggressive to be handling my student loans and this agency does not deserve to service my loans. He needs to be reprimanded and sent back to training and I would like proof.
Sent them a debt validation letter. Did not receive any information to confirm debt is owed to them ( I am 100 % certain I do not owe this company ). Instead of validating it they put it on my credit report.
There are re-added hard credit inquiries on my TransUnion account that were previously deleted and added back again to my account again. I 'm requesting that these be permanently deleted per my legal rights have been adversely affected. I will be following up in 30 days.
XX/XX/XXXX I closed my account with XXXX XXXX. I received a final bill of {$33.00} which my wife paid. The bill was paid on XXXX/XXXX/XXXX, and I have a bank statement showing that. The following month XXXX XXXX sent a refund check for the amount of {$33.00}. I assumed they overbilled me and made things right by sending the check, and never thought another thing about it. 
XX/XX/XXXX, I received a collection notice from AFNI for the balance of {$33.00}. AFNI was called and a dispute was opened. My wife sent them proof of payment. On XXXX/XXXX/XXXX my wife called AFNI, and they stated they had received the documentation and had sent it to XXXX XXXX. 
On XXXX/XXXX/XXXX I received a letter from AFNI, saying they were resuming collection activities. 
We have made numerous follow up calls to both XXXX XXXX and AFNI in an effort to get this resolved. Today ( XXXX/XXXX/XXXX ) my wife and I spoke with a representative from AFNI who informed me that my credit had already been damaged as a result of this. I had a local Credit Bureau run my credit and learned that I had indeed suffered a negative mark on my credit showing that I was in collections for {$33.00}. I can not get anywhere trying to talk to either XXXX XXXX or AFNI, and continually get the run around. I would happily pay the {$33.00} if I can get assurance that my credit will be restored. I am very upset that my credit has been compromised over a mistake made by XXXX XXXX, which they refuse to admit too, but the documentation shows otherwise. 
I do not have a way to upload documentation, but can send it via mail if needed.
Reply to Case # XXXX Receiving smoke in the mirror replies from Wells Fargo, still no reply to my original concern, my credit not being suppressed per our contract. 

Updated documentation has been furnished through CFPB as evidence that credit report still shows XXXX overdue. I have attached for the second time. It is my intent is to take Wells Fargo to file a lawsuit and sue Wells Fargo if my credit is not fixed as contracted. 

A full media package is ready to launch on this and all previously discussed topics if the above is not addressed swiftly and professionally. Below is a sample and only the beginning of my reach : https : XXXX
I tried to log into Vet.gov and it sent me to XXXX which would not verify my drivers license or the questions they have on their website. They told me that, Experian, a credit monitoring agency had not enough information about my date of birth. I called Experian and all they did was give me a hard time instead of correcting the problem. They only had my year of birth only but not my day and month of birth, and they would not correct the problem. But I also question why is a Veterans Administration 's  government website Vets.gov and XXXX using information from a a credit monitoring agency, Experian, without my permission. This needs to be investigated.
Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account.
Hello, our mortgage has been recently transferred to a new mortgage service company ( Nation Star Mortgage ). When submitting my payment for the month on XXXX, NationStar told me that going forward they will charge {$9.00} unless I pay my mortgage by the XXXX of every month. I am wondering if that is the rule industrywide, because I have always paid my mortgage on the XXXX of every month with my former servicing company. I really would like to continue to pay my mortgage on the XXXX of each month, because it is still 30 days whether I pay on the XXXX or the XXXX each month.