WillisBack/dataset-financial-user-claim huggingface dataset:
I received this call on XXXX/XXXX/16. The message left stated that I had an unpaid debt and that it I had to call to discuss the matter. I was told to call XXXX, which is strange because my caller ID displayed the number XXXX. This leads me to believe that this is a spoofed number. I looked the numbers up online and discovered that this is a debt collector known for fraudulently attempting to collect zombie and/or non-existent debts. 

I have and have never had any debt. I do not owe anyone any money. I will not be sending this company any money. I have checked my credit reports and there is nothing about this alleged debt on any of my reports. I have put a fraud alert on all of my credit reports as a precaution. In addition, I have never received anything in the mail regarding this alleged debt, which leads me to believe that this company does not have my contact information and is phishing for the purposes of committing a fraud.
On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through XXXX XXXX, Equifax, XXXX please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, are listed wrong please delete bankruptcy.
I recently looked at my credit reports and noticed that Wells Fargo Financial XXXX reported negative marks PAYS 30 DAYS late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a  responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
We were sent a letter dated XX/XX/XXXX from our previous mortgage loan servicer, XXXX XXXX XXXX. The letter indicated that service was being changed to XXXX XXXX XXXX on XX/XX/XXXX. The only information we have received on XXXX XXXX is a mailing address and phone number. This is our second new servicer in less than 18 months since refinancing our mortgage. 

It has been customary that previous servicers provide temporary payment coupons plus a new account number for the loan. There has also generally been a welcome package sent by the new servicer during the transfer period. None of this has been done by XXXX XXXX. 

According to XXXX XXXX XXXX automated system, it takes 5 days to upload our information from the previous servicer to theirs. When I called today, I was told it takes 7-10 BUSINESS days with no explanation as to why it takes so long. XXXX XXXX indicated that the upload is electronic and would not explain the delay. 

During this transfer process, we had been refinancing our HELOC. As part of the process, we agreed to use the HELOC to pay off the balance of our mortgage. Now that the HELOC has closed, our bank is unable to get a payoff amount either from XXXX or from XXXX XXXX. As a result, we are being forced to pay daily interest for no reason. It is as though our mortgage does not even exist at this time! 

Both servicers say there is nothing they can do. This is unacceptable. For any interim period, the consumer should have the right and ability to obtain a payoff amount on a mortgage and make the payment accordingly. Otherwise, the loan servicer has no incentive to upload information in a timely manner. The mortgage details must be available SOMEWHERE during the transition. 

Finally, one of the servicers should be held responsible for forcing us to pay daily interest when it is not necessary. This interest should be WAIVED during any interim or transfer period. 

It is clear to us that servicers do not want our loan since we have been paying down the balance and now wish to pay it off in full. There should be restrictions on how often a loan can be sold and serviced by a different company. Otherwise, abuse like this is allowed to occur on a potentially wide scale.
Sent by certified mail on XX/XX/XXXX and XX/XX/XXXX a dispute request to both XXXX and Transunion regarding some information that is being erroneously reported on my credit report. I have requested several times that I be supplied with specific Method of Verification information as it relates to public records in my file as it states reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I supplied both XXXX and Transunion with a letter from the XXXX XXXX XXXX for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. On XX/XX/XXXX XXXX sent a new credit report with my dispute results stating the company that reported the information has certified to XXXX that the information is accurate. With their investigation, they did not supply me with specific information as I requested. Name of person spoken with, telephone number of said person, address, date of conversation. Transunion simply replied with Verified as Accurate. That does not conform to the FCRA guidelines. I also have a security freeze on XXXX XXXX, XXXX and XXXX. Their failure to furnish me the verification method and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act. As you will also see from the page from my XX/XX/XXXX three bureau report both Transunion and XXXX continue to show a bankruptcy yet XXXX has no record of a bankruptcy.
Credit reporting company refuses to remove or delete Not validated information by Creditor within 30 days.
Upon reviewing my credit report, I was absolutely shocked to see 2 late payments on XX/XX/XXXX and XX/XX/2017. I'm not quite sure how this happened. I am always on top of my payments. It seems that either it got lost in the mail or for some reason the payment didn't go through and wasn't processed.
I have been in constant contact with CitiMortgage regarding a short sale of my home and have been working with a company that is assisting me. Following is a summary : We have direct communication with the negotiator and his name is XXXX XXXX. Previous offer was declined because it was only {$200000.00} and the Buyer cant increase the offer. The offer was terminated and we got a new cash offer from a new Buyer with {$220000.00} offer price. 


XXXX XXXX : New offer of {$220000.00} was sent to Citi Mortgage since they required this amount so that they will accept for the short sale. Offer sent together with Closing Disclosure and Buyer 's Proof of Funds. 

XXXX XXXX : He said that he didnt receive the Closing Disclosure so I sent it the same day together with the vacancy letter that he requested. 

XXXX XXXX : He said it was submitted to a closing negotiator and has 5-10 business days to review. 

XXXX XXXX : Email received from XXXX XXXX ( Liquidation Negotiator ). He asked some Buyer info and other documents which was provided the same day. 

The negotiator is out of office and will be back XXXX XXXX. If I call to the Point to Contact named XXXX XXXX, he will always refer me back to the negot ( R ) iator. He said once the file was endorsed to the negotiator he ca n't do something about it because the Negotiator will be the one who will move the file. 


XXXX XXXX : Below is the email from the negotiator : Good day! 
I appreciate your follow-up. This offer is with the investor at this time. No determination or request has been made yet. I will provide the determination to you as promptly as it is returned to me. Thank you for working with CitiMortgage. 
I follow up on this daily but they reply once every week that is why it was very slow. This was also escalated to FHA HUD via XXXX XXXX ( XXXXXXXXXXXX my information : Name : XXXX XXXX XXXX XXXX XXXX # XXXX Type of loan : FHA loan Lender : Citi Mortgage XXXX XXXX XXXX XXXX. XXXX MD XXXX Can you assist me so that the buyer will not get upset and not buy my house?
XXXX    XXXX   XXXX   is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating  the credit score cau sing the score to be lower by  XXXX  basis points. I have contacted  XXXX  regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year.  XXXX  corrected my credit reporting for all three credit bureaus and Transunion for my husband. When I contacted  XXXX  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's Transunion report back to the incorrect reporting and then started reporting his account under my son 's credit reporting  (  son is a  XXXX   ). W hen I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers ou r credit score   XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score to  be lower by  XXXX  basis points. We know this because when Transunion was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have been trying to get  XXXX  to fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and  XXXX  can lower my  credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status. Transunion lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.
My problems with ACS go beyond the fact that they are almost impossible to get a hold of and that their email function on the website is a scam - you email them and they send an automatic reply saying they 'll get back to you within 48 hours but that never happens! Other issues : So I got a loan of {$4000.00} from my graduate school and my school has a forgiveness program where ever year that you work in your field, a percentage of the loan is forgiven. Well I got most of the loan forgiven seeing as I 'm a XXXX XXXX and this job title falls under the forgiven positions. Unfortunately ACS declined my last year because I switched jobs and my title is no longer XXXX although I perform the duties of a XXXX and XXXX ( which also qualifies for forgiveness ) and probably more. So the reps ( who are usually nice but have no control over anything ) told me to simply word the letter differently which I did but am still waiting for it to " process ''. It 's literally been processing for several months and I call once a week and am on hold for about 20 minutes each time and get the same answer, " It 's processing ''. Even though on the website it shows my loan is " Past due '', the reps tell me not to worry and that that will disappear once it 's processed although the first time it was declined, this past due status did not disappear. I also was told that they reported to the credit bureau that I was not delinquent because the loan was " processing '', yet I have no proof of this happening. So I called my school and the person who answered told me they had updated my file about a week ago saying " Fax not received '' even though the rep had confirmed that the fax was received already and was " processing ''. Scam!
To whom it may concern : I have sent several letters to Experian/XXXX to validate XXXX XXXX. I advised them at the time of purchase I was incarcerated ( see enclosed ). I also ask XXXX XXXX to validate the said account and have not heard back. 
Each time that I send Experian letter to inquire about this entry on my credit profile, they send the same standard response. THE INFORMATION HAS BEEN VERIFED and that is was a joint account. 
I asked that Experian send me a signed copy that I agreed to this purchase. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) if they can not send me a signed contract or send Verification they must delete the entry.
I have paid {$200.00} every month using bill pay as I was told to do. After about 2 years I have not received any receipts, calls, or any form f documentation of my payments or what is owed. 

When I call Winn Law Group no one answers and m credit report shows no sign of this debt, however they continue to accept my check. No calls have been made to me and I have had the same number for 10 years.
I have been a customer at J.P. Morgan Chase for many years. 
I closed some money market accounts I had in trust for clients. I received a letter dated XXXX XXXX, 2016 indicating they have decided to close my personal money market account at the bank. 
They indicated after a recent review of my account they decided to end our relationship. The account has always had a positive balance and I deposited my social security and small pension into the account each month as well as other funds. 
I continue to have a business checking and my trust account for my office with them. I do n't understand how the relationship can be ended without any reason being given. It seems it was up to me to close the account and that they should not be able to close an account without a reason being given to the depositor. I called the number given to me in the letter and I was told that they could not offer a reason and that it was just too bad. Clearly the bank can not do do this without a valid reason.
I was a student at XXXX college when the school closed, XXXX of the XXXX colleges. I am stuck paying my private loan in full. How can I get this loan wiped or reduced? My loan was from XXXX but changed their name to UAS. They do not seem like they want to help.
A company has written off a debt with XXXX that was proven to be my ex wives and not mine. This was over 5 years ago and they began reporting it to my credit report again and now have reported it again. The debt is written off and they can not keep putting it on my credit report but continue to do so.
ILLEGALLY WITHDRAWING FROM MY ACCOUNT AFTER THEY BEING PAID OFF.XXXX
I disputed items on my Equifax credit report both with Equifax and the creditors. As a result, my score dropped XXXX points on XX/XX/XXXX. The creditors wore XXXX and XXXX. In XX/XX/2017 this happened also. In this case, my score dropped XXXX points. The creditors that time were XXXX, XXXX XXXX and XXXX. In XX/XX/2017, there was a XXXX point drop for the same reason of disputing items in my report. That time, the creditors were XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Altogether that is a XXXX point drop of my credit score for doing what I believed was my right under FCRA.
I put in a dispute over the phone through Transunion and XXXX in reference to XXXX hard inquiries that were not factual on my credit report I was told that they have been investigated and are accurate due to them undergoing investigation. However, the fact that I received a response 4 days after I disputed the inquires, one can assume that there was no investigation into the matter.
XX/XX/2018 - Received an email stating that open XXXX Money market savings account and deposit total of XXXX by XX/XX/2018 to get XXXX $ bonus ( Attached email stating full terms ) XX/XX/2018 - Opened account and funded with XXXX $ XX/XX/2018 - completed total of XXXX transfer XX/XX/2018 - Contacted CSR from capital one to check the status of bonus, CSR replied that i need to fund within 10 calendar days ( which is nowhere mentioned in the email i received ) and also stated that i need to maintain XXXX for 60 days ( which is mentioned in email as deposit XXXX but not mentioned anything like i need to maintain XXXX ). I wanted to verify the terms i received so i disconnected by stating that i will call back XX/XX/2018 - Contacted again and CSR was saying contradictory information stating that cumulative XXXX is ok but need to deposit everything within 10 calendar days, which again not in the email.
On XX/XX/XXXX, I mailed letters to XXXX, XXXX, and Trans Union ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.
Be advised this is not request for validation. This account was never verified with a notice that XXXX # XXXXclaim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I am disputing the following information directly with them, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Equifax after a security breach sent me a letter indicating that several files I had uploaded to them which included my social security number and all personal info were in the hands of unknown sources. Since then Equifax refuses to update my file, they refuse to remove items I have disputed. They refuse to add correct accounts that I have now or communicate with XXXX for my information. I have been denied jobs and insurance and credit because they refuse to comply and accurately update my information. Also, so many inquiries are on my report that I did not authorize
I called Transunion and customer service would not help and take care of the negative inquiries reporting to my credit report after I informed them that I am a VICTIM of their " inquiry glitch issue '' and now these inquiries have greatly impacted my credit score in the worst way. 
1 ) Inquiry Date XX/XX/XXXX- XXXX 2 ) Inquiry Date XX/XX/XXXX- XXXX XXXX ) Inquiry Date XX/XX/XXXX- XXXX 4 ) Inquiry Date XX/XX/XXXX- XXXX 5 ) Inquiry Date XX/XX/XXXX- XXXX XXXX 6 ) Inquiry Date XX/XX/XXXX- XXXX XXXX XXXX XXXX ) Inquiry Date XX/XX/XXXX
Calvary Portfolio is frequently updating my XXXX credit report - showing date reported as most recent asXX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

XXXX XXXX  is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

I disputed this and they responded the information was accurate.
I have sent two certified letters ( See Doc 1 & 4a,4b ) requesting validation bearing my signature for a Capital One credit card in the amount of {$470.00} that I am currently disputing. I have proof that my letters were signed for and received. ( See Docs 2 & 5 ). Not only did they fail to provide me with proof of MY SIGNATURE validating the debt, they failed to update my account status as " disputed '' with the 3 major Credit Bureaus in the required 30 day period. Please note ( DOCUMENT 3 ) which is a copy of my XXXX report dated XX/XX/17 ... more than 30 days after Capital One received my letter of dispute, it does NOT have the account marked as disputed. By not placing the disclosure within the 30 day period Capital One has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or The Fair debt Collections Practices Act Section 807 ( 8 ). 
Capital One continues to send me copies of billing statements for this account which does not constitute validation of debt.
My employer received a fake subpoena from Mullooly, Jeffrey, Rooney, & Flynn XXXX issued supposedly by the XXXX New York XXXX XXXX XXXX, disclosing my personal information, the creditor 's name and amount that is owed to the creditor. I do not find it fair that this notification came to my place of work. Many things could have happened like losing my job and embarrassment with my co-workers when they find out of this fake subpoena.
1. Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX Phone # ( XXXX ) XXXX Unlawfully, falsely submitted my annual income up higher than it was, to get credit cards and loans approved. Without any written verification, documentation nor signature by me. 
Due to this unfair.unjust act i had to file Chapter XXXX Bankruptcy Date:XX/XX/2016 Court Type : Federal District, Responsibility : Individual Debt and Discharged, Docket # XXXX. 
2. Collection /Attorney : Ability Recovery Services # XXXX XXXX XXXX XXXX XXXX XXXX Phone # ( XXXX ) XXXX Placed for Collection:XX/XX/2016 Original Amount : {$4300.00}