WillisBack/dataset-financial-user-claim huggingface dataset:
I have a debt reporting on my credit, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?
XXXX, and Equifax reported I and joint owner XXXX XXXX were 30 days late in XXXX, XXXX on real estate mortgage account XXXX XXXX XXXX XXXX XXXX. 

I disputed this - House was sold XXXX XXXX XXXX Mortgage was paid in full. 

XXXX changed the 30 day late to XXXX XXXX and added OK for XXXX XXXX Equifax left XXXX late in XXXX XXXX and added OK for XXXX XXXX and OK for XXXX XXXX Attached is notarized Bill of Sale and Title company Settlement documents stating Paid in full for mortgage and second mortgage dated XXXX XXXX XXXX
This debt was from 2008. The creditor XXXX XXXX has sent me a letter stating that they have charged off on XX/XX/2008 with a balance of {$1500.00}. They stated that this account was bought by XXXX XXXX, XXXX. XXXX XXXX states in their letter to me that " they no longer have a financial interest in this account. '' They also states in their letter that " XXXX XXXX XXXX has not attempted any communication regarding this account since XX/XX/2008. If XXXX XXXX has not decided to collect this debt and has written it off, XXXX XXXX is stating that I owe them a balance of {$2700.00}. I owe nothing to this company. They decided to purchase this account from XXXX XXXX. I have no Idea how much they bought this account for. They are want to collect money from me that I do not owe them. This debit is ten years old? This company should not be harassing me for money that I don't owe to them.
On XXXX XXXX my card was charged 5 times totaling around {$450.00} from multiple gas stations. There were two charges of {$100.00}, one charge {$98.00}, one charge {$98.00}, and a final charge of about $ 45-50 ( I forgot exact amount and dont have access to the statement at the moment ). I filed a dispute with the company which was denied before I was even able to send in the paper work. Because of this I was told that I have to send an appeal explaining that my case was denied before it was even opened which I completed and faxed to them on XX/XX/2018 and the company confirms the appealed was filed on XX/XX/2018. I was told the process would take 45-90 business days and to call on a weekly basis for updates. Each week I called and spoke to a different agent who said there were no updates and to keep calling weekly. Now in the beginning of XXXX, close to 120 days later an agent is telling me there is no update or information on my case and I should send in my appeal with the dispute letter if I still have it which I do not. I have been given a lot of misinformation about from various agents. Ive been told that they have no way to contact the dispute dept over phone only through email while another agent told me that if I call back during business hours they can call the dispute dept directly to get an update. Everyone I speak to gives me different information and no one is helpful in me resolving my case.
I have disputed the late payments on XXXX XXXX XXXX XXXX XXXX account for months with Experian and XXXX They also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I had been with XXXX for my student loans for approximately four years, until I applied to the public service loan forgiveness program in the summer of XX/XX/XXXX. I am currently employed by a county government. I wanted to see if my payments qualified under the PSLF. This apparently automatically initiated XXXX to take over my loans beginning in XX/XX/XXXX. When this occurred, I set up my account with XXXX, including automatic direct debit. I even received an automated e-mail from XXXX saying " This is a reminder that you have an upcoming payment due -- but no worries! You 're enrolled in our Direct Debit service so the payment will be automatically withdrawn from your bank account. '' Several days after this payment was due, I got an e-mail from XXXX notifying me that my payment was late. I logged into my bank account and XXXX account and nothing had been posted. When I called their customer service line I was notified that their system takes 4-6 weeks for direct deposits to begin clearing. I explained that I had received an e-mail from their system stating that the payment be automatically withdrawn. No one at XXXX ( and I spoke to three different levels of customer service ) would take any responsibility for this error.

Additionally, when my loans were transferred to XXXX, a month in my payment was skipped. I believe the interest continued to accrue, and as a result my monthly payment went up by approximately $ XXXX/month. The customer service representatives did not seem to understand that the extra $ XXXX/month was not the problem for me -- I could afford $ XXXX/month -- but that over the term of my loan, that " missed '' payment resulted in a substantially larger increase in the total loan payoff.

I was notified approximately two months later that none of my payments were qualifying for the PSLF program. This program was the entire reason that I applied, and that my loans had been switched over to XXXX. Whenever I have tried to contact customer service I have had to speak to at least three representatives, all of whom try to pass off blame to " the computer system '' or on other employees, and have been singularly unhelpful.

More recently I have sought to adjust the term of my loan from a 20-year repayment program to the remainder of what would be a 10-year repayment. Their website offers misleading, and I would claim predatory, advice regarding the total interest and payments resulting from fixed vs. graduated monthly payments.

Every time I end up on the phone with XXXX to seek clarification about why a payment was not processed, or why they took an extra month to begin accepting payments on my loan, or to ask for a status update on XX/XX/XXXX tax documents, it is a very long wait to reach an operator, and then the customer service is not helpful either.
The VW company does not provide a set date for payment. They change the date monthly on due date. I thought my payment was due on the XXXX of each month. I paid it 29 days late I thought so it would not affect my credit. I was told later, oh it was XX/XX/XXXX. 
this is not something people have time to do check monthly payment dates. 
they dinked my credit, even though they didnt have to. they do this in order to jack up the rate per month on your credit and to stop you from buying a car, making it difficult.
I have been unemployed/underemployed for a significant period of time. I have tried on more than one occasion to do a modification through Wells Fargo Bank. On the three occasions I tried to do the modification I was stonewalled, given incorrect information and my file languished for so long twice that it had gone stale. Every time I have tried to do my modification, it appears that Wells Fargo has done all it can to prevent the modification being concluded. I am making a true attempt for find a job, and have enough steady income to be able to complete another application for a modification. I am also going to go through XXXX and Florida 's Hardest Hit. They had previously assisted me when I was on unemployment, but that has ended.
A year ago, on XX/XX/2015 a fraudulent purchase was made online at Bestbuy.com, using my Best Buy card issued through Citibank, to purchase a PS4. It was n't until my bill in XXXX that I noticed the fraudulent charge and called Citibank for the first time. The customer service rep that I spoke to said they would send it to the fraud department and they would get back to me with their findings. A couple months later, I received a letter from the fraud department stating they had found through their investigation that I was responsible for the charges. Knowing that there must have been a mistake, I called back and a new investigation was started. This new investigation came back the same way : I am responsible for the charges. Although I have now spent countless hours of being on the phone with Citibank trying to resolve the issue, I have been hung up on, disconnected and called a liar, and this issue has still not been resolved. They have opened up numerous investigations and each time they find the same thing, that I am somehow responsible for a purchase I did not make. When I asked them to send me the information that proved I owned this purchase, they sent me a print out showing the product was ordered and sent to an address that is not my own. The order was also put through online without any verifying information that matched my own. The address was not mine, the telephone number was not mine. Every time I call to get this resolved, the first person I talk to always comments on how the purchase is " clearly fraudulent '' and will say something to the effect of, not sure why this is taking so long. In XXXX, I thought this was coming to an end when I spoke directly with a supervisor in the fraud department that credited my account and said it was taken care of ( this only occurred after I had requested an address with Citibank to which my lawyer could write a letter too ... ). I was overjoyed that after months and months of countless hours, it was being taken care of! Much to my dismay, however, a letter arrived a couple weeks ago, stating they found me responsible for the charges, once again, had reopened my card and charged it the {$320.00} that they insist I owe. The last time I spoke with Citibank in XXXX, they had cleared me of the charges and I had immediately paid my small remaining balance and closed the card. They reopened the card and charged me again. I really do n't know what to do at this point. I have complied with everything they have asked for and have had to spend at least a full days worth of time in doing so. I 'm not sure what to do at this point. Please help! Thank you.
As a client I now have legal rights that are granted to me to secure me from mis-information being accounted on my own credit report. At this time I need to make a final petition for investigation before I visit my attorney for information on how to handle inaccurate and unverifiable things that are ongoing to be confirmed as real.
I wanted to open a savings account with my bank that i have bank with sine  XXXX  of  XXXX  i was told that i was unable to open an account due to having an {$11.00} charge off. The representative  from Citizens ban k stated he did not who it was due to however could transfer me to a different department who could give me more information. The representative transferred me  XXXX . I spoke to  XXXX  at that number, at first he stated he did not see anything under my name and social security number that was showing being owed/ After i explained what the previous representative had stated to me  XXXX  was able to locate the {$11.00} charge off. He stated it was due to Citizens from an account i had from  XXXX . He stated that it was pasted the statue and that Citizen had given up on trying to collect the balance. I asked  XXXX  as this  14 years old a nd pass statue to collect if i had any other options than to pay it so i could open up a savings account,  XXXX  did not answer my question. I feel i was forced to pay something that was pass statue to collect just so i would opening a savings account. If i had know about this outstanding amount before I would have paid it. I have been banking with Citizens since  XXXX  of  XXXX  and have always had the same account.
I have a memory problem, as in forgetting things from time to time. I called XXXX XXXX Visa/ US Bank card and asked them early on to make my payments due in the first 5 days of each month. I try to pay all my bills at the same time every month. Always within the first 5 days of the month. But like I said my memory isn't perfect. I apparently paid the HD bill too early, I should have double checked the date before paying, but I didn't so my fault. Now I had paid them early in XX/XX/XXXX for the XX/XX/XXXX bill which was {$1500.00}. Then again on XX/XX/XXXX I paid them another {$25000.00} thinking it was for the latest bill. I find out that it all went to the XX/XX/XXXX bill. So now I have a bill they sent me for {$650.00} and it was due XX/XX/XXXX. So I called them to find out what was going on. I was confused first of all because the {$650.00} did not match the charges listed on the bill so I asked the lady to send me an itemized bill with just the charges for {$650.00}. She wanted to go over the bill with me and I said I did not want to do that. I was tired and wanted to retire for the day. Then she refused said they couldn't do that. Said it would be the same bill I already had. After getting nowhere with her I asked to speak to her supervisor. She put me on hold for quite some time and when another lady came on she wanted to know what she could do for me. I explained again what the problem was and she said she wasn't the other lady 's supervisor. So now I'm upset, I have this company who has sent me a bill and because I'm having a little problem figuring out just which of these charges added up to the total of {$650.00} and wanted some clarification sent to me. Yes they offered to explain it to me over and over. I declined over and over. The final straw was the second girl said no if they sent a bill it would look just like the one I had. I told her I was done and to cancel my card. Now after all that mess I still have enough reward points to get another {$25.00} gift card. There are enough points for that and then some. But because I had canceled they were not going to give me my last gift card. If you owe money to some one and you want to know how you owe it, because they have what you owe tied up with other bills you have already paid and won't separate the owed from the paid. That is all I wanted, now I am not sure who I was talking to XXXX XXXX or US Bank. So I want my gift card that was earned.
In XXXX of 2015 I contacted TransUnion LLC to request the investigation and removal of incorrect information on my credit file. Over several months I received the generic automatic letter that they send all consumers who disputed their credit file. I took legal action and obtain a default judgment against the company reporting the inaccurate information on my credit file in XXXX of 2015. I forwarded a copy of the judgment to Transunion over the last three months and they still have not removed this inaccurate information from my credit file. Transunion keeps sending me the same letter stating that they have verified the account belongs to me and that I should contact the company.
This is an Identity Theft reporting issue about CREDIT REPORTING AGENCIES ( CRA ). In particular, XXXX of XXXX Texas and their ID Theft supervisor, XXXX at ext. XXXX. 
I spoke with a XXXX credit Dispute Identity Theft supervisor named XXXX in early XXXX XXXX. My concern was as a victim of I D Theft, there should be a FCRA block under sec XXXX to allow victims the right to rebuild their credit. I had XXXX item in public records that was negative : and due for removal XXXX XXXX XXXX, and despite all efforts is still there. as is the other Judgement ( not mine ) in my name while and Identified by XXXX ereports as IDdentity theft, see attached and should be blocked under FCRA Sec. XXXX. 
XXXX supervisor XXXX stated I should pay a lawyer to remove filing by vacating it. That cost too much money & I was an Identity theft victim entitled to mandate XXXX to block negative inaccurate items from my CR under FCRA sec XXXX. XXXX supervisor XXXX advised me that the cheapest way to remove the one remaining NEGATIVE item on my CR was to contact the the XXXX warehouse and public records manager for XXXX and ask for it to be removed. XXXX promised me that if I convinced XXXX subcontractor, XXXX, to remove these judgments filing as a mistake due to I D theft or for any reason, XXXX would delete the filing under FCRA sec XXXX. So I did. and XXXX XXXX did indeed removeall refrences, see attched. I faxed the XXXX/XXXX/XXXX XXXX report letter from XXXX to XXXX twice during XXXX XXXX. XXXX is the consumer reporting arm of XXXX. XXXX reviewed my request and agreed to delete the Judgements from their data base and the personal report they did on me. I was very happy XXXX XXXX was helpful and aware of the damage that an Identity Theft issue could do to my personal credit report with all XXXX CRAs. As you know, XXXX is the GATEKEEPER of data for all public records reporting in XXXX for ALL XXXX CRAs! 
Incredibly, XXXX has also refused to remove XXXX public Judgement for XXXX $ ( meaning there is no monetary value to the judgment ) involving Identity theft from my XXXX and Equifax reports, So I checked with the XXXX about why CRAs violate the FCRA law. XXXX sued all XXXX CRAs in XXXX, forcing each of them to sign a Consent Agreement on XXXX/XXXX/XXXX that mandates them to give their workers the discretion to remove any Identity Theft related content or credit inquiries or credit files immediately. The CRAs agreed in the Consent Agreement with XXXX to delete these inaccurate items related to ID theft immediately or suffer additional fines and penalties. The CFPB must order XXXX, and Equifax to delete this Public Records based on identity theft content from my file. XXXX supervisor XXXX said Door to Door Sales Act would allow him to delete this public record :
I had a capital one card that was stolen. I contacted the company because charges had been filed on my card. The company refused to investigate the charges b/c they were made by someone I knew. Regardless of if I knew them the card was stolen and the charges were not authorized. The company refuses to investigate signatures, charges or any details. They sent the debt to a 3rd party collector without resolving my complaint. They also continue to contact me about a debt they refused to investigate. I also discussed with the company paying the debt that I was responsible for in return that they remove the debt from my credit report however they refused. They want me to pay for fraudulent charges that I did not incur and that they fail to investigate because it will be costly to them.
I filed a chapter XXXX bankruptcy that was discharged inXX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX  Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.
I am being sued for Non-Payment, but all payments have been sent on time as agreed, the payment in XXXX was returned said no such address in XXXX error, I immediately mailed payment back, they acknowledge the received on XX/XX/2017, this was only XXXX business days late, then I received letter impending legal action as well for Non-Payment, the received payment pry to sending letter, I feel this legal action is unnecessary and unwarranted, I am continuing to make payments on time as agreed. I was not properly served, I found the Warrant some distance outside my residence, and mailed from Debt Collector at letter date. When I tried to talk to the Debt Collector after receive letter of impending legal action, she would not or could not stop legal action, and was unwilling to compromise or resolve this issue due to XXXX error, and just wanted to add additional fees, the Debt Collector was unprofessional, insulting, and among other statements said I lack common sense. If they are granted a judgment I will have insufficient funds for housing expenses.
XXXX XXXX keeps reporting falsified information to the the major credit bureau and/or bureaus. I continue to asked XXXX XXXX ( by certified mail ) to provide me with a copy of any documents bearing my signature. I also requested that XXXX XXXX to validate this falsified information.i have disputed with the major credit bureaus and comes back verified. How can something be verified if i didn't know it exist. I am contacting you to see if you can validate this account and if so provide me with any documents bearing my signature that they say had and hard for them to provide me with. It say on my credit report that XXXX XXXX provided them with an update XX/XX/2019 stating that i owe {$650.00} and that {$670.00} was charged off. Thank you in advance for your time! 

P.S Please look into this matter and not over this matter.
XX/XX/2019- I called in directly, in order to make an early payment with the company. This was after I was unable to navigate their website for the same purpose. the website gives the illusion that you have control over when and how and where you can direct payments, however once you choose an option, the only solution offered is to make an extra payment. The first customer service rep I spoke with didn't entirely understand my request and kept suggesting that I cancel my auto pay arrangement in order to make an early payment. After 10-15 minutes of asking questions and going back and forth with the rep on how that would work, I pointed out to her that the greater terms of my loan would be completely changed if I canceled the auto-pay arrangement. She continued to suggest that that was the only option I could use to satisfy my request. I then initiated a conversation with an alternate representative by asking if there was someone else that I could speak with because I felt that my point / request wasn't clear. The rep said there was someone else I could speak with and that she would arrange it. I was on hold for over 30 minutes, all the while listening to their auto prompt state that there was only a one minute wait time. The second rep that I spoke with gave me the same advice. I again pointed out to this option would affect the greater terms of my loan if I canceled the auto pay arrangement and he proceeded to tell me that that wasn't true. He was either poorly informed or lying about the situation, because I know for a fact that my interest rate will go up if I cancel the auto pay arrangement. This is yet another example of how this company poorly manages loans that were sold to them without permission from its consumers. It seems small, however, there isn't an early payment penalty in the terms. So I fail to understand why I can not find this service online or receive their knowledgeable assistance via phone.