WillisBack/dataset-financial-user-claim huggingface dataset:
Capital Accounts , LLC has been unable to verify the debt. I am provided the name of a vendor, but no detail as to any services. I do not know the vendor for whom they are attempting to collect the debt and when I XXXX the name there is no phone number or website. I am requesting validation of the debt or removal from my credit from the XXXX major reporting agencies. I have requested this via phone call and e-mail ( attached ) yet they continue to attempt to collect the debt without any proof that the debt is valid.
please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you
I have received tons of mail regarding a student loan debt that is not mine. I called the company to let them know and they promised not to continue but I am still getting tons of mail! I do n't know what to do. 

AUTOMATED COLLECTION SERVICES, INC
XXXX is a Complaint I already have with the Consumer Financial Protection Bureau in regard to Lender America 's Wholesale Lender, Servicer Bank of America, Trustee XXXX fka XXXX Trustee for XXXX, XXXX Asset Backed Certificates Series XXXX. Today XX/XX/XXXX I have received another letter from Bank of America requesting more time to investigate Account XXXX. Bank of America ( Servicer ) claims to have Legal Standing to foreclose on property @ XXXX. America 's Wholesale Lender ( A Fictitious Corporation ) A Service Mark Name filed with the United States Trademark Registry ( Trademark Assignment ) Number XXXX never had lawful standing to convey property or sell property yet on XXXX/XXXX/XXXX through an Assignment of Deed of Trust conveyed property over to XXXX violating a Pooling and Service Agreement as the Assignment of Deed of Trust was to be in the pool prior to it closing XX/XX/XXXX. Bank of America XXXX then took action to foreclose on property knowing that America 's Wholesale Lender was not a Corporation and Bank XXXX New York XXXX as Trustee who had no lawful say in the property whatsoever foreclosed on property on XXXX/XXXX/XXXX and sold property to XXXX XXXX on XXXX/XXXX/XXXX through a foreclosure sale. XXXX XXXX took me to Eviction Court on XXXX/XXXX/XXXX Justice of the Peace, Precinct XXXX Place XXXX, Judge XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PH : XXXX Case No. XXXX, XXXX XXXX XXXX vs XXXX XXXX. The judge did not evict me from the property and had me pay a {$1500.00} Cash Bond to appeal in a Higher Court. I am waiting on the Court Date and Court to which the appeal will be heard. XXXX XXXX stated that the property was valued at {$110000.00} and presented a Deed without Warranty to the court shows that XXXX fka The XXXX as Trustee for Certificateholders XXXX, XXXX Series XXXX for sume {$10.00} was paid and my property was sold. XXXX put in writing to me a several occassions they did not Own Loan or property was not a lender and had no say in the property yet Bank XXXX New York XXXX sold the property. After giving Bank of America and XXXX fka XXXX 5 years to provide me with who the true lender of the property XXXX XXXX XXXX XXXX was, both parties declined to be honest and truthful. They used deceptive acts to take control of the property and foreclose for their own personal gain. In my opinion, this is why I have the opportunity to Appeal to a higher court. America 's Wholesale Lender and XXXX as Trademark/Service Mark/Fictitious entities is the reason I gave the judge and told her that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX does not have a clean title to the property just as from Origination of the Deed of Trust and Promissory Note in the name of America 's Wholesale Lender was deceptive and it is not clear who the Lender is or who the debt is owed. From what I can see, I am the holder of the Deed of Trust to the Note which reads Lender is America 's Wholesale Lender. I am still living in the property for alleged XXXX under the fictitious Lender. Bank of America sold the property and is going to be held liable for damages.
Please investigate this information I am submitting, I've gotten nowhere sending in disputes via certified mail notarized documents and fax. Please block and or delete this information from my credit reports. When I call I get outsource to XXXX or XXXX, my items come back verified electronically. I just want an actual person to read and respond to me, its very frustrating to have my information compromised, and have to go back and fourth for so long and still not get results.
Hello, This company is continuing to request payment for accounts that I do not owe on. {$140.00} from XXXX on behalf of XXXX 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TransUniion. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TransUnion and in their respective state and both of these companies if this is not resolved NOW! 
I 've never had this type of trouble before with TransUnion. My report with them has always been clean. I 'm suprised TU! 
ALL references regarding this account must be deleted from ALL reporting agencies. -- Thank you, XXXX XXXX XXXX
XXXX out of XXXX, Oklahoma has been incorrectly reporting the status of my mortgage with them for at least 6 years. I have attempted, on numerous occasions to get this corrected, to no avail. 

On XXXX XXXX, 2015 I submitted complaint number XXXX to the Consumer Financial Protection Bureau, as a Mortgage complaint. I was then advised to submit another complaint under credit reporting. 

Case number XXXX was forwarded to the FDIC for investigation. The attached information is in addition to previously submitted information for these complaints.
I hAve XXXX hard inquiries that I have not done. 
XXXX XXXXXXXX EquifaxSays made XX/XX/2015Please Investigate and take off my report. I am trying to fix my credit not damage it.
Dear Sir or Madam ; We have been making extra payments on our mortgage for over a year. In that time the mortgage Company " sometimes '' applies the extra payment when received. Other times it takes over a month or in one particular instance 4 months. I have contacted them and was told they would apply them correctly and reprocess, these were just empty words. 

I am tired of being placed on hold, not having my emails returned. XXXX XXXX formerly Merrimack Mortgage is the worst Company I have ever had to deal with. We were going to refinance just because of the " shotty '' accounting practices. 

Now I feel so strongly that if this is happening to us how many other customers are they holding there monies and possibly making interest off of? 

Regards, XXXX XXXX
TD Bank opened a new credit card i did not ask fpr without my permission and without notifying me or my wife.
I received a mail offer from big picture loans, I applied with the approval code XXXXXXXXXXXX, and was approved for XXXX right away. a representative called me right away and told me that the loan would total XXXX with interest, when i said I was not interested he told me they could lower the cost to XXXX, I agreed and after a few more questions I received my funds in my bank the next business day. I started making payments of XXXX bi-weekly on XXXX/XXXX/16, decided to check my loan online to see how much more was owed and was shocked. I see that everything the representative have stated was untrue and that my loan of XXXX would end up costing XXXX and would not be paid off for several years. the interest rate of this loan of 574.7076 %. The " truth of lending disclosure was not disclosed to me until after the loan had been processed and funds were delivered to my bank account. I am struggling to pay my bills and XXXX a month out of my paycheck with nothing going towards the original loan is really making it impossible to pay my bills.
I leased a vehicle from Toyota Financial and returned it. I went to great lengths there would be no surprise fees associated with the return of the vehicle. Today I was contacted by a collection agent attempting to collect on Toyota Financial 's behalf over a {$510.00} fee associated with the lease return. 

Toyota Financial has had my phone number and email address since the inception of the lease. They made no attempt to contact me about this fee via those mediums. They claim to have sent a letter to an address of a rental property I own but no renter has ever reported having received mail addressed to me. 

I told Toyota Financial if the fees are legitimate I have no problem paying them but would like them to remove the collection from my credit report since I made every reasonable effort to ensure there would be no such " hidden '' or " surprise fee ''. They insisted they could n't remove the collection from my record because they would n't be in compliance with the CFPB. 

My desired outcome is to have Toyota Financial remove the collection from my record. I 'm willing to pay the fees if they can provide me a statement indicating the legitimacy of the charges.
I am resubmitting complaint against Lien Enforcement. Inc ( follow up to submission XXXX as I have clear and to the point proof that the car was as I said, NOT under my name and had been transferred as of XXXX XXXX 2015, as release of liability and title was transferred over. This document is solid proof, and before I raise this to legal grounds, you immediately remove me and anyone else from your fraudulent " list '' of " owners, ''
I received an offer for the American Express Gold Card. XXXX points after {$2000.00} in spending. I applied through the offer link and was approved for the card. Once I'd met the minimum spend requirement, I reached out to AMEX who told me I no longer qualified for the offer. Throughout the application process, the offer was valid and I was nowhere notified the offer did not apply to me so I applied in good faith.
I had an account with XXXX XXXX and my XXXX XXXX XXXX phone broke so I sent it in so they could send me a recovery phone. I never received the new phone and they sent me a letter saying they never received my phone. 
Now Im seeing on my report that I have a {$710.00} collection for said phone Im assuming. 
I ended up switching to XXXX XXXX after that.
I received 3 letters from XXXX  Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). Soon after receiving this information I submitted Dispute Letters to ( XXXX Equifax, & XXXX ) with the above derogatory account information on it that was given to me from XXXX. I received a response from XXXX dated XX/XX/XXXX ( less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. I submitted another Dispute Letter only to receive a XXXX response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to XXXX , our records show that the information you disputed does not currently appear on your XXXX credit report. The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from XXXX  credit monitoring. I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now Equifax dropped another 7 points! I work very hard to get where I am at. So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which XXXX  and Equifax now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : XXXX, Equifax and XXXX each received a letter from me disputing this account and asking for validation.
I settled my XXXX derogatory hits on my credit report. The original debt is the company XXXX XXXX. The debt collector that I paid was The National Service Bureau. I originally called to pay on XXXX XXXX, 2016 in the amount of {$880.00}. to close my debt. They told me that it would take about XXXX60 days for it to reflect on my credit report as closed. They also said that they would mail me a receipt of payment and a verification that the balance of {$0.00}. I never received a receipt and also it was still showing on my credit report. I called and I spoke to a lady that emailed me the receipt on XXXX XXXX, 2016. The receipt only shows the amount of {$440.00}. I look at my credit report it shows that I still owe money when in fact it has been paid and should be closed. This has been affecting my credit score for a little over a year after it has been paid fully.
Hi There, Thanks for the giving an opportunity to represent the issueI transfer money through the WESTERN UNION on XXXX/XXXX/2015 to my family in XXXX. 
It was direct to bank transfer. 
The receiver did n't received money and i request for the refund, even they did n't refund my money. I provide them all the evidences they wanted e.g. banks statement of receiver 's which does n't show that money was credit. 
Humbly Request your office to look into it, hoping for the justice on the issue
In XX/XX/2017 I had around {$100000.00} in my BBVA Compass bank account, I found out my step dad stole my money and was commiting identity theft in my name, I reported it to XXXX  after I found $ XXXX in lines of credit and credit cards in my name, this money was my inheritance and it was stolen from me, along with my identity. I have filed affidavits and done all the proper steps under federal law for BBVA to handle this accordingly but has failed to do so, my attorney has filed a complaint with the Attorney Generals office of California - XXXX XXXX against BBVA Compass Bank for Banking negligence resulting in the loss of funds of claimant - XXXX XXXX. In the last CFPB response from BBVA Compass Bank all that was stated after a TWO WEEK investigation was dispute it ... I am asking BBVA once more to investigate and return my funds that are due to me under federal law. 


I contacted their dispute department at the number they provided me XXXX, I got someone who knew absolutely NOTHING. He said they arent able to dispute it and that they dont have to abide by Federal Trade Commission rules / laws and same for the CFPB, it was oblivious the man did not care about my situation and simply said oh its late so you know ... after ONE HOUR on the phone. 


I am asking BBVA FOR THE LAST TIME to return my funds that are FDIC FEDERALLY insured against fraud. This is not my issue, and will seek to obtain my rightful money.
On XX/XX/XXXX I sent XXXX XXXXXXXX XXXX/ XXXX  an identity theft letter from Federal Trade Commission stating I was a victim of identity theft and for them to take action in removing the charges and negative work on my credit file.The company sent me a letter back stating they denial my claim because payments were made on this account from the time the account was opened on XX/XX/XXXX up until XX/XX/XXXX, so they claim I am liable for the remaining charge of {$480.00}. Also, the company move my account to Financial Recovery Inc., who is now serving this account. I did not make those payments and further investigation need to be made with this claim. During the time this account was open and the payments were being made, I was a XXXX XXXX XXXX in XXXX, Alabama and I did not have a job or no source of income to make those payments.
I saw an open account on my credit that does not belong to me not even sure what it is.
i have disputed this account and have had it removed twice now, an it keeps popping back up on my credit report, XXXX XXXX  has been contacting me none stop trying to collect a debt i do not owe them i have never had any services with them an i have never signed any contract regarding them contacting me for a debt, they are contacting me regarding XXXX XXXX, XXXX XXXX reps have revealed information that they should not have access to an i have asked them to stop contacting me they have not stopped calling me trying to collect a balance of {$2800.00} that i do not owe
I was a victim of fraud, I ask XXXX to fix the situation and was denied on multiple occasions. I asked XXXX who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help me
Idenity theft XXXX XXXX XXXX/XXXX/XXXX Amount XXXX
I am requesting the financial outline to submit a full modification package to XXXX XXXX XXXX dba Mr. Cooper, but I have had difficulty getting any positive response since my mortgage is current. Recently, I had to borrow from a third-party nearly {$50000.00} to bring both of my mortgages current, and without a modification I believe I will once again fall behind in payments. 
Therefore, I need a modification package emailed to me or mailed directly to my home address.
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts, names, and addresses I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!
I co-signed an auto lease four years ago. I just checked my credit report and the leasing company has included the lease holder 's credit history for this account on my credit report. When I contacted the lease company, I was told that a co-signor is a joint applicant with their company. I never received any notifications through mail or phone call stating that the primary lease holder was late on payments ( XXXX times, 30 days late ). The lease company did n't have my address and phone number on file but are holding me accountable on my credit report. I did n't have the opportunity to make the late payments myself to keep the account current because I was not contacted and made aware.
Purchased XXXX ford truck from dealer called XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX on XX/XX/2016. Financed XXXX through Westlake Financial XXXX XXXX XXXX XXXX XXXX, Ca XXXX. Less than XXXX miles after leaving the dealership, my truck broke down and would not re-start. Dealer was notified immediately. I paid for tow to the dealership took the truck back. XXXX at the dealer said they would repair it and they had possession for two months. I drove it away and the next day ( XX/XX/2016 ) it would not start while at a job site. Two hours later it started with no problems and I drove it to XXXX XXXX XXXX. They determined XXXX in repairs needed. On top of all this, no emissions testing was ever completed by the dealer and now with these repairs needed it will not make it to the emission testing station. The dealer has agreed to work on it again but we do not trust the dealer and ask that the authorized XXXX company work on it. I purchased this as a work truck and to this date have been unable to use it at all. The finance company is aware of this problem but they say they can not do anything about it. I request that the dealer buy back this truck and refund me the expenses up to date.
I open a secured credit card with XXXX XXXX Bank XXXX of the XXXX XXXX. I loaded my money onto the card paid my bills. I never received a statement in the mail on how much was my bill for the next month. When I checked my credit report I see that Equifax lowered my credit score by XXXX points. For a late payment that was never late in fact XXXX XXXX bank took the {$25.00} dollar late payment off my statement because of the mistake of never sending me my statement. I would like for Equifax to give back my XXXX points because I was not at fault. I am providing the statement so Equifax can see for themselves and make the change on my credit report. This happen on XXXX you will see the Refund of Late Fees on this report. To prove that there was nothing at fault on my behalf.
I was asked by the cashier at XXXX if I wanted to apply for a card and get XXXX % off of my purchase, said no I have a card, he said that does not matter so I said go ahead then. 3 or 4 months later I applied for a loan and was declined because I had not paid XXXX in 3 months. 
I contacted XXXX they supposedly sent a bill and it was returned. They did this 3 times? They have my phone number, should't you make a phone call to see what was wrong? 
After my last conversation with XXXX I was told they would file papers stating I was disputing this claim. I have not heard back from them yet nor have I received the credit card or a statement since I started this futile search 3 weeks ago. I had credit scores in the XXXX or so range now I am at XXXX and can not get a loan. I pay out several thousand a month in bills when statements arrive. Why would I not pay a {$75.00} bill to XXXX? 
I could be out of business because of this and do not know where to turn next. 
Thank You
I called diversified consultants inc. sometime last month about a collection that appeared on my credit report about an account in the amount of XXXX dollars from XXXX XXXX   and have no idea what this is for. The debt collector told me it was not on file and could no find it anywhere. But then tells me that I have another collection from XXXX XXXX that was not yet reported and I disputed that one they sent me pack a letter saying that it was closed and the wont be able to get info need to verify that account. They are attempting to collect debt without following the guidelines from the fdpca and fcra. They dont have verifiable proof that this account belongs to me or an original contract with my signature the account in the amount of XXXX from XXXX XXXX should be removed at once and I didnt even get a chance to dispute this before the place it on my credit report. If it is not removed I will be forced to take litigation against diversified consultants inc. for damages to my credit.
I signed up with Caliber Home Loans via a mortgage broker in the State of New Hampshire. During the application process I asked both the mortgage broker and Caliber directly if there were any fees associated with making a payment online. They stated that there were no fees to make a one time or regular payment for my mortgage so long as the payment was made on time and not returned. 

Today, I attempted to make my normal mortgage payment, and I was notified that I would be charged a {$3.00} fee as of XX/XX/2018 for a single payment online. This is an unfair fee that was not disclosed to me in my original mortgage process. I feel that this fee is absolutely unfair to the consumer, and should not be legal without disclosure in order to protect consumers. What is to stop Caliber Home Loans from increasing this fee substantially? I should not be charged to make a simple payment online, especially after confirming that no fees would be applied with my broker and with Caliber Home Loans prior to engaging in the loan!