WillisBack/dataset-financial-user-claim huggingface dataset:
Said company " XXXX XXXX XXXX '' has refused to validate an alleged debt that they continue to report to all three credit bureaus. I have contacted the company back in XX/XX/2017 requesting validation of the alleged debt they claim I owe. Upon sending numerous letters requesting the company send me a ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. Upon further research I have come to the conclusion that a ) this account is closed. b ) the account has been sold to a third party collection agency. Also upon my own research the third party company is not the company reporting on my credit file. It is XXXX XXXX XXXX account number XXXX that is on my credit file.How is this? The account has been sold they are no longer in possession of it. As per FCRA this is ILLEGAL. XXXX XXXX no longer has the debt, it has been placed with a new office. This is unacceptable, first off XXXX XXXX has refused to validate the debt as I requested which is my LEGAL RIGHT, but they are also continuing to attempt to collect on a debt they no longer own. Please be advised that under the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED  CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. Also be advised FAIR DEBT COLLECTION PRACTICES ACT Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor, is mailed to the consumer by the debt collector. Please see attached documents of the validation requests I submitted to both world finance and the third party company as well as the refusal letter I received on their behalf. This is unacceptable and I am extremely unsatisfied with the outcome and response from XXXX XXXX XXXX and there blatant attempt to not follow the law.
Comenity Bank approved a XXXX card for me on XXXX/XXXX/XXXX. I received a credit bureau notification the they account was closed on XXXX/XXXX/XXXX. Both the online and voice status of the account indicated that the account was active. I called the bank again and spoke with a bank agent. They told me the account was closed and tried to help me find out why. They said it was a based on a recent credit pull that show a lot of credit inquiries? They would not say what they meant by a lot of credit inquiries. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the one that they pull to approve the account. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. I had already made numerous payments on this account. They should not have approved the account to begin with if
I 've reached out to this company several of times in regards to this inaccurate information that they are reporting to my credit. I have no acknowledgement of this debt owed, I 've asked several of times to send pod ( proof of debt ) and they 've failed to do so. My next option is to contact an attorney and file a lawsuit for the inaccurate information that they are reporting. They are in violation of FDCPA by not providing proof that this debt actually belongs to me, in which that it does n't. This is hurting my credit tremendously and is bringing an emotional strain on me being that I am in the process of buying a new home. I am emotionally and physically stressed over this. I am giving them 30 days to get this matter situated otherwise I will pursue legally.
Ditech has been sending past due notices for almost 2 years, I have provided them with nearly 3 years worth of cancelled checks that prove ALL mortgage payments have been made in full every month. When I call, the representative tells me that yes, they have copies of all the checks and they can see that all payments have been made, and then they forward everything to the accounting department and tell me it will get straightened out and I will receive a letter. Then I receive another notice stating I owe 2 months! This has happened at least 4 times, and I have been dealing with this for almost 2 years. On XXXX/XXXX/16 I spoke with XXXX representatives ( XXXX in XXXX XXXX, we were disconnected during the call ) and XXXX in Missouri when I called back. I told her that I no longer believe anything different will happen when she told me " Yes, I see all the cancelled checks and I will forward this with an email to accounting to get it fixed '' and asked how I can get a face to face meeting with someone who can actually resolve the issue - all she could do was say she is sorry and can forward everything to accounting. I have XXXX loans with the exact same scenario, so I will submit this exact issue under each account number. I would like to note with this loan that on XXXX/XXXX/16 " XXXX '' stated the balance due for XXXX was {$140.00} because the loan payment went up in XXXX 2016. I was so elated that I paid the {$140.00} ( confirmation # XXXX ) and believed my struggle was finally over with this loan. But then on XXXX/XXXX/16 XXXX called and said that I still owed {$15.00} and then the monthly loan payment would be paid in full though XXXX/XXXX/16 with {$900.00} due on XXXX/XXXX/16 - so I sent a check for {$15.00} ( which cleared on XXXX/XXXX/16 ) and I paid {$900.00} for XX/XX/XXXX ( cleared XXXX/XXXX/16 ). Then on XXXX/XXXX/16 I received a statement that said {$1700.00} was due as of XXXX/XXXX/2016!!!!! And then I realized that the Escrow analysis dated XXXX/XXXX/16 ( received AFTER XXXX 's phone call ) states the loan payment is to rise from {$880.00} to {$880.00} as of XXXX/XXXX/16 so where did the {$15.00} increase XXXX quoted on XXXX/XXXX/16 come from?
Previous complaint closed without resolution. Initially I filed a complaint against California Check Cashing Stores of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for fraudulently filing my XX/XX/2017 income tax return. These returns were filed without a CA check cashing employee asking for or requesting consumer deductions, without disclosures of fee ( s ) and without a signed authorization. I am still unsure if the funds have been processed and received.

Upon company 's response ( blatantly telling lies about consumer signing consent ) CFBP closed the case. I have completed feedback that there is NO resolution for this closed case file. It appears to me that it is simple to address this issue for me. I did not authorize verbally or with a signature for this company to file my income taxes. They state that I signed authorization. To see the truth, the company simply need to supply that signature, which I know that they don't have. 

This is not about customer service, this is about a consumer being robbed of her hard earned money. This complaint is being filed because California Check Cashing Stores knowingly gave false information to the CFPB regarding complaint filed. Someone should and need to be held accountable so that other unknowing customers are not duked into services by California Check Cashers. Plus, I want my money, can you at least assist with that. Should CA check cashers pay for fees associated with unlawfully filing of income tax return? Should CA check cashers have the authority to use unauthorized accounts? Are they not held responsible for the actions of its employees? Please assist with the next step of this nightmare.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account XXXX XXXX.
The issue started on XX/XX/19. I received a letter stating that my loan would be going into litigation because of the delinquency. Prior to this letter I had explained to Navient that I could not afford the {$560.00} a month payments. I begged them for lower payment options that I could afford. They only offered me the option of forbearance payments until I could no longer make them on the account. I was so afraid of my wages be garnished I sent in all of the required documentation to have the payments lowered to {$350.00} a month for one loan! I was told by the rep who was helping during the process that submitting all these documents would help get the loan reduced because I would be left with very little cushion for the month ; he lied. I literally have only a {$120.00} left per month after all expenses are paid.I have no money available in case of a financial emergency. I have no money saved because I basically live paycheck to paycheck. I have inquired for so long about lower payment options and I have gotten no assistance in the matter. I can not afford to make these payments for very long. The interest rate is outrageous. I originally borrowed {$18000.00} and I now have to payback {$45000.00}. I need help please. Navient has been of no assistance and I can not continue to make such large payments for that one loan when I have several others that I will have to start repayment for soon.
I have been a victim of identity theft. I promptly notified all 3 bureaus, all the creditors and sent them my ftc identity theft affidavit as well as police report and supporting evidence. 
XXXX  and XXXX fixed my report by blocking the fraudulent information. Equifax REFUSES to fix my credit report by blocking fraudulent accounts opened on identity theft. They told me i can pay them for a service to fix my credit. I am not paying them to make them follow the fcra. I have sent them it in certified mail, email and fax. They wont fix it and keep saying " they investigated and the account belongs to me '' which is extremely funny because when the creditors investigated, they deemed it fraud. I will be attaching the proof the equifax FALSELY claims it does investigations, how its a gross abuse of power and severe negligence under the fcra. 
I spent 22 hours fighting with them to get nowhere. The other 2 bureaus fixed it within 1 hour.
XXXX   XXXX   XXXX    XXXX  called to report that it was n't me that applied for this  Credit plus   XXXX  and  XXXX  reported no knowledge if inquiry   XXXX   XXXX     XXXX   called to get it taken off   XXXX   XXXX    XXXX  reported no knowledge of account with company
I began to receive calls at XXXX. When I pick up there is no one on the other line. I called back today from my office phone and was greeted by a lady named Sue. I did n't get her last name. The conversation was cordial at first. She told me she was calling for XXXX and she wanted to collect on a debt. She asked me if it was ok for them to continue to call me on my cell. I told her not if they are going to be continuously calling me. She told me that if I " knew how to pay my bills, I would n't have them calling. '' I hung up on her called back and spoke to a supervisor. He came to her aid and said that she has been working for the company for a while and they have never had a problem like that with her before. She was very nasty and rude.
On XX/XX/XXXX, I received my credit report and found several items that were not mine. I initially sent a letter to XXXX as well as the XXXX and XXXX to verify these accounts and provide documentation of verification. I received a response from XXXX stating these accounts had been verified so I contacted the credit bureaus again to have the documentation sent to me so I could verify the information received from them concerning these accounts. Furthermore I went to XXXX XXXX Police Department to explain I am a victim of identity theft, I was referred to the FTC to fill out a report, and instructed to try and receive documentation from these accounts so a proper investigation can be completed. Finally, I was instructed to place a ID theft alert on my account with the three credit bureaus so this action does not continue and contact Portfolio Recovery ( XXXX ) to report. On XX/XX/XXXX, I sent a letter to XXXX. On XX/XX/XXXX, I received receipt the letter was received. However, XXXX sent a letter stating the balance was XXXX and remained on my credit report. This is a problem with these companies have. Not only do they disrespect the process victims of ID theft have to go through.
I PULLED MY CREDIT FILE BACK IN XX/XX/2018 AND SEEN SEVERAL ITEMS ON IT THAT WERE NOT MINE, I CALLED THE CREDIT UNION DIRECTLY AND THEY WERE NO HELP AT ALL, I CALLED EQUIFAX AND XXXX, XXXX AND FILED A DISPUTED WITH THEM AND EVERYTHING CAME OFF EXCEPT EQUIFAX. I CALLED AND TALKED TO THE FRAUD DISPUTE TEAM AND EVEN FAXED IN MY POLICE REPORT AND THEY STATED TO ME IT WILL COME OFF ASAP AND THE ACCOUNTS WILL BE BLOCKED. NEVER HAPPENED AND NOW MY HOME LENDER IS CALLING MY HOME NOTE IN DUE TO THIS PROBLEM. NOW THERES ADDRESS IN SOUTH CAROLINA POPPING UP ON MY FILE WITH EQUIFAX. I CALL DAILEY BUT NO HELP. I HAVE ATTACHED MY UPDATED POLICE REPORT THATS BEEN VERIFIED WITH THE OFFICE OF THE CONSUMER AFFAIRS. PLEASE HELP OR I'LL SEEK LEGAL ACTION.
XXXX account open to use XXXX XXXX car connector. 

Service/device did not work as advertised. I tried calling XXXX directly, but could not make contact due to long wait times. Went into store, and was informed I needed new device. I paid for new device but it never came. 


I refused to pay bill for device and service I did not receive. XXXX sent me to a credit collections service that goes by Maury Cobb Attorney at law. They have been notified I am disputing this with XXXX, but have continued to collect and have negatively reflected this on my credit report. 

XX/XX/18 I called XXXX XXXX to inform them the reporting was inaccurate and I would be contacting the CFPB and BBB if they did not attempt to work with me. I was asked to pay even after making them aware of the dispute/fraud, which is violation of FCRA. When I stated I wanted this removed from my credit, the collector implied it would be if I paid it. This is also a UDAP violation, because paying of the debt does not remove reporting. 

Lastly, overall they have committed TCPA violations through FDCPA. They have repeatedly called my cell phone over the last several months even after being notified I do not want to receive phone calls on my cell phone. 

XXXX / XXXX XXXX XXXX XXXX Last contact XX/XX/18
I was contacted by Premium Asset Services LLC, and by a woman named XXXX XXXX. She left a message to verify employment at my office. I contacted the number back and refused to verify my identity over the phone. I asked them not to contact my office again. I have repeatedly asked them not to contact me by phone. I have asked for written documentation of the alleged debt and have not received any other communications regarding this matter. I called the number back to request a mailing address so I could mail a " cease and desist '' letter. The manager I was connected to gave me false information and verbally harassed me on the phone. I have refuse to verify any information via phone.
I have been paying diligently on my private student loans since 6 months after college graduation in 2010. This year I was told that my interest repayment was " up '' and I would now have to pay the full amount - {$530.00} per month - this is only private, it does not include federal loans or other bills I have. I can not afford the full amount and therefore called/emailed numerous times in attempts to change my payment so that I could remain in good standing. I was denied three times and told by customer service that they could not help me and that my best bet was to let the amounts go to collections because collections will allow my repayment to be " more flexible ''. My mother is my cosigner on student loans and I did n't want to do this - but I just can not afford the payment with the amount I make and other bills that have to be paid.
According to my recent credit report request from XXXX, XXXX, Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX contact information XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX  , XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME
XXXX companies put me in collection when I did n't owe them. 
I had surgery while in the military and had an XXXX surgery at a XXXX hospital a few days later when I was XXXX. 
The hospital messed up paperwork and I never got any bills then months later I was put into collection. After finding out I got my insurance to pay which they had no issue. The collection company has really impacted my credit score and I want them removed my my name! What can be done to resolve the last part of this. They made my credit go down almost XXXX points!!!! 

The XXXX companies are XXXX and XXXX, they were affiliated with a terrible hospital in XXXX XXXX Texas called XXXX. This hospital was horrible and as I was was XXXX, they never gave me an XXXX till XXXX hrs later just before surgery! And my wife was cleaning up the XXXX and taking care of me as the nurses and doctors did nothing!
I lived in apartments for 3yrs. Always paid rent on time and kept apartment clean. Every 4 to 6 months we had a new manager. I am XXXX yrs old an a good tennant. I could pay my rent on the XXXX with my XXXX XXXX XXXX pension check. They raised rent and the manager let me pay in 2 payments when I got social security check. He didn't charge me late fees. Very kind of him. They new mgr came. She was mean an vicious. She started charging me those late charges. My lease was coming up and iI wasn't renewing. They knew i was moving. I paid everything I owed and ask them to show somewhere that I owed nothing. The apartments I was moving to needed to know that. This was XXXX XXXX. My lease was actually up. So I have copy of ledger page an it says I have XXXX balance. They in XX/XX/XXXX I get letter from rent recovery saying I owe XXXX. No reason or what it was for. So I called an they sent charges to my email. I can't believe this. I did not do any of this. I'm not taking this. I can see clean up. I didn't clean oven or mop floors. I did have a deposit when I moved in XX/XX/XXXX. They no right tovdo this to people. If this doesn't come off my credit I can't get approved for a 1 bedroom apt . my lease is up here XX/XX/XXXX. My son an I share 2 bedroom. I got ta go. But if I don't get this off my credit I won't have anywhere to live. My credit is hurting enough. I use to have XXXX credit score. Bad husband. Please believe in me. People are so bad. How do I send these documents to you. Thank you so much for helping me. 
XXXX XXXX XXXX XXXX XXXX
i was approved for a line of credit with navey federal but for some reason it was revoced