WillisBack/dataset-financial-user-claim huggingface dataset:
Allied Collection Services , Inc, failed to respond to my Debt Validation Letter Request regarding the collection they reported to credit reporting bureaus, failed to provide the needed information for the debt validation. All you provided was just the cancelled/violating consumer right contract which XXXX did not perform, nothing else, and you failed to provide CREDITOR/DEBT COLLECTOR DECLARATION, the form in the Debt Validation Letter Request which you are obligated to provide within 30 days pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practices Act.
My grand daughter and her father asked me to sign for her student loan a private loan with Sallie Mae and another with XXXX student loans and her father was going to repay the loans when he retired but instead he died XX/XX/XXXX. I am now responsible for the mortgage which he used to pay ( in my name also ) and I suffer from XXXX XXXX and I am XXXX years old. I contacted both XXXX and Sallie Mae since as of now the loan is 30 days past due and neither will waive me because they claim only the " borrower '' can be waived due to XXXX., Sallie mae said I should pay {$150.00} by XX/XX/XXXX to defer the loan until XX/XX/XXXX as a hardship but XXXX has to call for this arrangement to be for more than XX/XX/XXXX. If she does not call it goes back up to {$970.00} per month for a {$72000.00} loan and the XXXX with XXXX is {$69000.00}. I have had no contact with my grand daughter since May and she is contesting her father 's will in court currently. I doubt that I will be able to get her to call Sallie Mae so attempting to get a lower payment seems like a moot point. I believe I will have to see a bankruptcy attorney but my understanding is this would only be a temporary relief. Sallie Mae calls my home phone every 30 minutes and says then ca n't stop this procedure. My grand daughter has not made any payments at all and I ca n't pay the mortgage without my other son 's help so I do n't know what I can do to fix this.My grand daughter did all this on her lap top I never got a copy of either contract and I just asked them to send me a copy in the mail.
Our home was located in a natural disaster area for hurricane irma in XX/XX/XXXX. We filed for hurricane deferment and was approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX we sold the property.

We are attempting to purchase a new home and was told we are now showing 90days late for the time periods XX/XX/XXXX-XX/XX/XXXX. We contacted the Previous mortgage company and they insist they never submitted us being late and listed us as under deferment and ontime for payments.

The credit agencies were contacted multiple times and they insist they are correct. We are going to be homeless in 15days due to the credit agencies not investigating correctly even thou they have copies of our payments being complete and ontime.
My dispute is with Chase Card Services Original Claim # XXXX New claim # XXXX I have been trying to get rid of a double charge from XXXX XXXX in the amount of {$990.00}. 

XX/XX/XXXX Statement TOTAL= 2 charges and 1 credit for {$990.00} XX/XX/XXXX Statement TOTAL= 1 charge for {$990.00} XX/XX/XXXX Statement TOTAL= 1 charge and 1 credit for {$990.00} XX/XX/XXXX Statement XX/XX/2018 I was charged a late fee once for {$25.00} for not paying the disputed DOUBLE charge. Please remove the fee. 

GRAND TOTAL= 4 charges and 2 credits THERE SHOULD BE 3 CREDITS. I SHOULD NOT HAVE TO PAY {$990.00} BECAUSE I ALREADY DID. 

This is ridiculous. I received a service. I paid for it. I paid my credit card bill. And I keep getting charged again and keep disputing again.
I sent dispute letter with my attached proof from XXXX to XXXX  and XXXX  in 2017 requesting them to update my credit report. I got response back from XXXX  in a email stating they only could update my credit report once.
XXXX several occasions I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as derogatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is supposed to request verifiable proof not partially but in whole according to federal law. The law requires the bureau to only report the negative item if they have XXXX percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is supposed to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting a XXXX account on my credit report that belongs to someone with a similar name. I sent the proof that the account was in someone else name to Experian yet Experian fail to investigation this. I have valid proof that the account belong to someone else. Also Experian is reporting XXXX which is showing incorrect data, XXXX XXXX, and a Bankruptcy as negative items or derogatory items on my credit report. Recently I sent a notarized letter via USPS tracking to Experian to have these negative information investigated. I also sent proof that the XXXX account is not mines, but Experian response by stating that they are not investigating this. The other XXXX credit bureaus have acknowledged that this alleges XXXX account does not belong to me and they have deleted it from my credit report. Experian fail to provide me with require information that these allege debt are XXXX percent accurate, Experian still reports these negative information on my credit report. I was also told I could not dispute the bankruptcy that is listed on my credit report as a negative item.. So if they are sending me these letters how is it that Experian is stating that allege debt has been verified. Also I have received letters from XXXX stating that they ca n't validate the allege debt but this negative item is still being reported on my credit files. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is supposed to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Experian is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only supposed to be reported when you have XXXX percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with XXXX percent accurate, legitimate validation of allege negatives that they are reporting on my credit.
Mass amount of daily calls from Lowes Credit card. Sending them a letter asking them to stop. 

call log Monday XX/XX/2018 XXXX XXXX, XXXX Sunday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX Saturday XX/XX/2018 XXXX XXXX, XXXX Friday XX/XX/2018 XXXX XXXX, XXXX XXXX, XXXX, XXXX Thursday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX wednesday XX/XX/2018 XXXX XXXX, XXXX Tuesday XX/XX/2018 XXXX XXXX, XXXX, XXXX Monday XX/XX/2018 XXXX XXXX, XXXX, XXXX, XXXX
Chase is in violation of the fair credit reporting act. First of all they abruptly closed down all 5 of my credit cards. I never once made a late payment. This discrimination against me during a time I am in a XXXX in the hospital about to XXXX XXXX XXXX. Then on top of that, they have violated the fair credit reporting act by viewing my XXXX, XXXX and XXXX credit reports. I have proof from all credit agencies, with dates to prove they have done this 6 times with out my authorization or approval to do so. This is highly illegal and I could and can will pursue legal action against them. I am demanding this restriction be lifted from all 5 of my cards and chase to stop violating the fair credit reporting act
After pulling my credit report it was discovered that there's accounts on my report inwhich I have no knowledge of nor has anyone reach me about the change in my report. I'm respectfully requesting physical documentation for the following accounts or by all accounts these accounts shall be removed in accordance with the FCRA rule of law. The following accounts are, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),
XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments
While looking at my credit report under the 3 major reporting companies, for example Trans Union, I  noticed they all had reported me as being under a Chapter XXXX on one account or another. I was under a Chapter XXXX from XXXX  until this year when it was discharged on XXXX. I had my attorney write a letter to them but it's still shows up as a Chapter XXXX on some of the account reports. My ex wife filed a Chapter XXXX in XXXX of this year just before the Chapter XXXX was discharged but that had nothing to do with me or my Chapter XXXX per my attorney and the bankruptcy trustee since the Chapter XXXX was separated between us.
I contacted my current mortgage company about a refinance. I spoke with the agent for about 20 minutes. I was very forthright. I disclosed we had a 2nd mortgage and would like to roll it into the current. She said we would easily be able to refinance and lower our payment and interest rate. She took my credit card info and said there would be a {$13.00} fee to get us started. We ran into some issues with the 2nd mortgage, decided to just refinance that separately. Again, she said that would be perfect. We had the appraisal. The house according to their appraisal was lower than expected. Again-she said that would n't be a problem. We refinanced the 2nd mortgage through the other company. Sent to it to the mortgage company. Again-perfect. Then we were told that the interest went up and it was n't really worth it to refinance. Also, they had charged us {$600.00} ( appraisal and other fees ) Now we were told that would n't happen. That we would n't be charged unless we were approved, etc. I was hesitant to even do this as my husband was injured and has n't worked in over a year. I would never spend {$600.00} on a 'maybe ' as that is almost our entire mortgage payment.
I received my monthly TD bank statement and saw transactions that I did not recognize by what appeared on the statement as XXXX which I learned later from the bank that it was a payroll company called " XXXX '', XXXX of them were deposits of small amounts then a withdrawal of {$40000.00}. I contacted the bank immediately because this is an account I had saved for my pension and I never use it to make any transactions and it was shocking for me to lose this amount of money and I never authorized these transactions nor did I ever hear about this " XXXX '' before. The bank was not cooperative. I filed an ACH dispute on XX/XX/XXXX which the bank denied in a letter on XX/XX/XXXX claiming that I should contact the company that withdrew the money myself. After consulting a lawyer, I sent them another letter on XX/XX/XXXX regarding my lawful rights for the ACH dispute and unauthorized transfer explaining to them the laws of the EFTA and Reg E. They acknowledged receiving the letter and they said they will answer it. I gave them 10 days in my letter to answer me but it has been three weeks and I have not heard from them. They are now avoiding any attempts that I make to contact them. Since then I closed my account with them and opened a new one in a different bank because TD bank was obviously too vulnerable to a scam and yet would not acknowledge their mistake nor help me get my money back. 
I am attaching all necessary documents that supplement my problem and they have a better explanation of the situation.
I am unsure of where to begin because this has been a up-hill battle for the past XXXX two years. As a young business professional my credit and identity was the center of my success until my identity theft occurred. Every aspect of my identity was compromised and taken advantage of. I 've had credit cards, bank accounts, apartments and even auto loans take-out in my name. I was not aware of this matter because I did not have any type of monitoring service to alert me of any suspicious activity. It was not until I got harassing phone calls from a property management company demanding {$12000.00} or I will be sued. Of course I was unaware of this issue so I acquired documentation from the landlords and then my journey of a nightmare begun. I immediately contacted the police department, hired an investigator, contact me attorney 's and prepared to fight a war that I could spot a mile away. I researched for days and took off of work because I was in fear of my life, who knows who could have been behind this! Nonetheless, acquired monitoring services via XXXX, XXXX XXXX and my bank XXXX XXXX Bank XXXX. I placed credit fraud alerts with all of the credit bureaus and submitted my credit report, which contact multiple accounts, fraudulent addresses, phone numbers and more. I followed every step that the Federal Trade Commission provided me with. I submitted the FTC Affidavit notarized, Police Report, Letters from my attorneys and last but not least my credit report with the fraud accounts and inquiries highlight and a letter specially describing every detail of the fraud accounts. However after submitting all of these documents and working extremely hard to recover my name, XXXX companies that I 've dealt XXXX. I have written to these companies at least 12 times throughout the years and submitted exactly what the credit agencies required me to. I have gotten the XXXX Police Department involved by requiring Bank XXXX to supply us with video surveillance, which they are unable to do. I have sent XXXX information showing proof of residence during the time of fraud and supporting identity theft documents. These companies refused to listen and examine proof of identity they, because it will remove the fraud debt they are claiming that I owe. I have exhausted all of my options before resorting to the legal system and forming a lawsuit. I am in need of help to fight these companies to remove this fraudulent debt. I dispute these XXXX accounts every month with Equifax for the last 2 years. I have expressed the ability to provide proof of identity theft and no matter what I provide this companies refuse to help me. I am providing supporting documents to this to hopefully help these accounts to be removed and show fraud. Please help me, I thank you for your time and consideration. Whatever is needed to resolve this issue, I am willing to go to the fullest extent of the law for this issue and to remove these fraudulent accounts to clear my name. I want my life back, I want my name back because in today 's society credit is everything, and unfortunately I got shot in the foot before I could get started. Please help me.
I made a transaction with XXXX XXXX  on XX/XX/18 and posted a payment in full on XX/XX/18. It was after I made a payment in full I thought the transaction was over, but apparently the bank account number they had was incorrect. This caused my payment to not go through. They did not alert me or send me any notice the payment had not gone through, which is a breach of their fiduciary duty to me, the consumer. They let the late payment sit for months without any contact to me that I was late due to a bank error from XX/XX/2018 until in XX/XX/2018 they flagged me for collections and reported me to the credit bureaus as a 30 day late payment. This flagging my credit reports is the only way I found out I even had a late payment. It was then that I called and immediately paid in full and the representative reversed all late fees and admitted it was an error on XXXX XXXX 's part. I have now been in a dispute with them because they refuse to remove the error from my credit report and it is affecting my ability to obtain a mortgage. I have no late payments on my report other than this one made in error and I have always had a clean report. XXXX XXXX is trying to bully me into letting this go, but their representative already admitted fault in that they never contacted me one time during the span of 4 months.
On XX/XX/XXXX, the banks were closed. Prior to that on XX/XX/XXXX I had a pre-authorized payment to XXXX scheduled. I checked my account on XX/XX/XXXX and the payment had not been taken out. I checked on the next day the bank was open which was Tuesday XX/XX/XXXX to see if the pre-authorized debit had been taken out, and it had. Unsure why the pre-authorized debit had taken an extra business day to post to the account, I called the bank. My account was positive at this time on XX/XX/XXXX. I was looking at the account on my tablet as I spoke to a rep ( there should be a recording on XX/XX/XXXX of this conversation ) who also assured me that the large pre-authorized debit which should have been taken from my account on the scheduled date of XX/XX/XXXX had actually been PAID and POSTED that day, XX/XX/XXXX. We could see there were other PENDING OUTSTANDING debit items on hold ( which do n't incur overdraft fees, you just make sure the money is in the account prior to them being posted ), but my account was NOT NEGATIVE. The next day on XX/XX/XXXX, the items had been re-arranged to show that they were NOT ON HOLD ANY LONGER for XX/XX/XXXX but they actually were showing PAID on XX/XX/XXXX ( even though they were purchases made well AFTER the pre-authorized debit that had showed paid on XX/XX/XXXX ). This resulted in a fee of {$35.00} and a subsequent sustained overdraft fee of {$30.00}. I called the bank and told them that I disagreed with how the transactions were processed and that I wanted a rebate of the fees. I was told that since they had rebated a fee previously for the same issue, ( being told an item was paid but it actually resulted in an overdraft and it should not have ) I would not be able to have the fees reversed. A few years ago, I remember this bank having an issue with the way transactions were posted which resulted in them collecting fees on consumers ' accounts that they should not have which resulted in a class action lawsuit to reimburse their customers. I think something similar is happening again.
I have been trying to receive updated information about my qualifying payments from XXXX  XXXX XXXX for approximately 6 months. I submitted my employee verification forms in XX/XX/2018 however they are " still being processed '' even though I was told repeatedly typically this takes roughly 90 days, it is XX/XX/2018. I should have approximately 24 qualified payments to my account. I have been calling almost monthly to receive updated information or to inquire about when I could expect the information to be updated. The only response I receive is that they are still processing the information and it will be updated when it's updated. When I have asked why this is taking so long they do not give me any additional information other than they are waiting on information. To which when I ask from who they do not have an answer other than, " We are just waiting on information ''. When I have asked to file a complaint or speak with someone who can provide me with clarification I was told there is no one of that nature at thecompany. 

It is extremely fustrating to constantly be told by people who have my loans ( i.e., my debt, my constant worry, my money, a huge chunk of my financial stability ) they do not have information or do not know any information. How can this be?
ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXXO BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.
On XXXX XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... This is a third party collection agency I request they provide written documentation signed by me and them stating I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that calvary cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
This is a separate complaint from XXXX. I was rebilled for a separate transaction dispute that had already been resolved. The complaint made on X/X/17 resulted in a refund ( {$280.00} ), however a different charge ( {$230.00} ) was re-billed to my account without reasoning. On X/XX/17, I filed a complaint with your department ( Complaint ID XXXX ) regarding a charge I was disputing with Capital One. On X/XX/17, Capital One credited my account for the {$280.00} from my complaint, but re-billed me {$230.00}, a charge for a separate unrelated dispute I previously had with them. I contacted them several times regarding this matter. They refused to speak to me regarding either of my disputes and insisted I contact the " executive resolution department, '' however provide no phone number or contact information for me to reach out. The last notice I received regarding this charge was on X/XX/17 requesting additional documentation to continue my dispute. They asked for a sales invoice and a second opinion on company letterhead from another merchant regarding the same matter. Both of which I submitted. Credit was issued and no further information was required of me. Please review documents attached. Thank you.
I DO NOT HAVE/NEVER HAD A CONTRACT WITH XXXX XXXX. I AM NOT LIABLE FOR THE COLLECTION OF THIS DEBT {$380.00} FROM XXXX XXXX. <P/>I AM NOT RESPONSIBLE FOR THIS DEBT. <P/>*PLEASE CORRECT AND DELETE FROM CREDIT REPORT* AS SOON AS POSSIBLE!