WillisBack/dataset-financial-user-claim huggingface dataset:
Recently while conducting a monitor of my credit report I discovered that Keybridge has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Keybridge but I am unaware of the amount due and your bill does not include a breakdown of any fees.

Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Keybridge to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more that is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
I have opened numerous complaints with this agency only to see them " CLOSED and FILED '' upon receipt of a response be it inaccurate, incorrect or outright lies. Currently my wife are undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. A review today of my " protection ''    MYID.com -p laced by the  HR Department of the United States Government indicates the reports still reflect incorrect information and wrong information has not been corrected. I have filed with the CFBP Ombudsman and Vice Presidents office for  help but to date nothing!
XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX and after they did there own investigation that the account was not mine they closed the account and debt was settled to a zero balanced and deleted in from my credit report. But XXXX XXXX is still showing the debt on my credit report and is showing as a late on my credit report. Which is hurting my credit and my credit score.
Based off of the recent breach in the identity theft matter with the Equifax I am REQUESTING a freeze on my report until requested otherwise. Also I am not consenting to any reporting to my report until Equifax provides me with a legit agreement that I 'm in not in jeopardy of being a victim of fraud, identity theft and so forth.
I was contacted by XXXX XXXX who said they were going to get my student loans consolidated and forgiven. They set up a payment plan with Equitable Acceptance Corporation. This was XX/XX/2017. A few days later I realized they were a scam. I contacted XXXX XXXX. They refused to do anything about it and said I should have canceled within three days of signing the contract. I called Equitable Acceptance Corporation. They said there was nothing they could do about it. They are a scam too. It is now on my credit report that I owe {$1200.00} to Equitable Acceptance Corporation. I have tried to challenge it with Equifax with my credit report, but Equitable Acceptance Corporation still says I owe the money. This is XXXX! Corporations like this taking advantage of consumers. It's FRAUD!
On XX/XX/XXXX I was told by XXXX from Navient that if I made a payment using my debt card my account would show current on the Navient web page. I needed it to show current because my mom is a co signer and was in the process of closing on a new house on XX/XX/XXXX. Then I called NAvient back ( same day ), after I saw there was no change to my account even know the money was out of my bank. I was promised an email with a conformation number from a different NAvient employee. I never received that email, and 24 hours had gone by .... I called NAvient back the next morning XX/XX/XXXX to ask why my account had not change to current and where was this email I was suppose to have received. I talked to ( XXXX XXXX ) and she said that she had talked to a supervisor and I should have the email by the end of the day, but I never received anything. I called back same day XX/XX/XXXX and talked to XXXX XXXX again that told me the email department would only send emails in the order of request. I asked to speak to a supervisor and that request went unheard by the rep ( XXXX XXXX ). I was basically lied to and stalled by the Navient reps. Telling me that all the information was on its way to me just get paid and to get me off the phone. That same day XX/XX/XXXX after XXXX XXXX XXXX I finally got to talk to a supervisor From NAvient. This woman basically said why should I try to help you when you have been late on your payments. They are many reason I 'm late making payments, but the main reason is so that I can enroll in income base repayment plan. This supervisor was rude and could give me no explanation as to why I was told numerous lies from XXXX  and XXXX XXXX. She did nothing but talk in circles and trying to make me fell bad for being late on student loan payments that had nothing to do with why I was calling.
On XX/XX/XXXX, I received a follow up on a complaint to Barclays Bank for deceptive lending practices amongst other things. In the response from XXXX. XXXX XXXX, he indicated Barclays does not perform credit line reviews during the balance transfer solicitation period which is indicated in the WRITTEN response occurred XX/XX/XXXX - XX/XX/XXXX. Fortunately, I have located additional balance transfer offers on my account PRIOR to Barclays soliciting me to use my credit line. Ive attached 2 samples as evidence to support the deceptive practices. 

I previously raised this issue in XXXX and Barclays corrected the issue by restoring my credit limit. 

To top it off, I have to wait for 3 minutes to talk to a representative from the Office of The President. The wait time solidifies Barclays servicing practices.
During the process of my refinance, the credit report was pulled and I was notified by my mortgage broker that my score was not high enough to obtain a preferred rate. I was surprised to hear that, as I worked very hard to clean up my credit in the last seven or eight years as I had some difficulties paying off my balances on my credit cards that are in question. 
In XXXX, all balances were paid off. During the review of my report I noticed that even though the date the account of XXXX XXXX and XXXX was last active or paid off was in XXXX, Equifax was still showing them as XXXX negative trade lines on my account. I also noticed that the date last reported was XX/XX/XXXX. I called Equifax on two different occasions as I thought that one agent might have been wrong on the information that he was providing but both people at each separate time indicated to me that because these XXXX accounts were disputed in XXXX, the Equifax will continue to show it for 10 year period since the last time it was active ( with the status paid off with less balance ). I was shocked to learn that and expressed my concern that I do not believe that this was a fair practice to extend the term of reporting for an additional XXXX years because I disputed the coding that was being reported incorrectly. The last active date of XXXX was because I disputed the coding of the status with each grantor which was ultimately resolved and corrected to my satisfaction. I asked the agent why I was being punished by adding ten more years of reporting from the last time I disputed the information which results in negative impact and prevents me from obtaining financing. The response I got was that the derogatory info/code would be maintained until XXXX according to the policy which was created by the credit bureau and the financial organization but when I asked to see a copy I was told that they were unable to provide any proof of the retention policy to confirm that it was correct ; however I can go ahead and search the internet for the retention policy and I can be assured that it will support their answer. They stood by their answer that every time the information is disputed, ten more years will be added to the last date that it was active or the date of the dispute. 
In this complain, I ask that you investigate the issue as this practice is unfair. Inquiries, disputes, etc. should have no impact of how long the information will remain on my credit. I have paid all my obligations in XXXX and do not believe that it is acceptable to maintain the negative information until XXXX ( for 15 years ) because of dispute with the grantor. 
I thank you in advance for your time and consideration.
I sold an XXXX for XXXX the buyer paid and I shipped it. She has the phone and PayPal refuses to release my funds. I was never made aware they were holding m yu money I would have never sent the phone we or used PayPal. They charged me XXXX Dollars IU n fees and IU do n't know why I 've tried to get my money and they keep saying they ca n't yet
I was unaware that I had any debts of this amount. I recently paid off outstanding XXXX bills and was never notified of any unpaid balances of this amount.
ECMC has sending me letters for default loan, after repayment plan, and loan given back XXXX for forbearance. I was told my loan separate from University of  XXXX this not XXXX told me, as XXXX loan forgiven school closure. I also filled out a loan discharge ability to benefit, on basis that didn't get high diploma, and was given no examination by university of XXXX, I was email form to US Dept Edu and never heard anything form them.I have been getting threaten emails from them every week.
I used XXXX XXXX XXXX  to purchase a home. Through the process, I discovered I was given false information including closing costs and down payment. In addition, they shared my credit information with outside parties and ran 7 hard inquiries on my credit which lowered my score to a XXXX by closing.

I complained several times to the person of contact I was given with no resolution. I have all supporting documentation for this claim, including emails to Jet Direct, my closing attorney and all parties involved.
I received communication from XXXX XXXX about a debt from XXXX on XX/XX/18. I immediately called as they are not the first collection agency to contact me about this debt to inform them this is not my debt. I was unable to speak with anyone in debt about the account because my information didn't match the information they had on file. I explained that XXXX closed the account and was sued for collection attempts and as they were 100 % aware it was a fraud account and the debt is not mine, no signature, not the correct address and i was able to prove to them it was opened under fraud circumstances, etc so I have no clue why they sold a bad debt to them, The lady stated all they can do is cease communication nonetheless the account has appeared on my credit.
I am doing the short sale and was on dispute value due to huge repair and damage per inspection. Lender had sent appraiser come out on XX/XX/2018 and appraisal report date XX/XX/2018 with value is {$510000.00} and current offer was {$510000.00}. They said offer is submitted for approval. Meanwhile, current buyer had backed out due to they cant move on with contract due to a lot of repair and they cant handle. We got another offer with same price to submitted to lender and the lender still come back asking {$650000.00} while dispute value based on inspection report include damage and come out last 30 days. I could not understand if the lender will help us out to avoid foreclosure or not. They dont practice in right place and take advantage of us and want to foreclose over helping us avoid it. I attached the appraisal report date on XX/XX/2018 for review. The value is true and cant change just for 30 days and market is so slow down and the lender is very ridiculous.
I am working with  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   to help me with my debt management. We applied for student loan consolidation, including loans defaulted and in collections. They consolidated several but it appears that the ones that are in collections were not rolled into the consolidation.     I am making a genuine effort to repay these loans and clean up my credit rating but there is over  XXXX  a month being garnished from my wages, which I am unable to afford and meet my other obligations.     My debt counselors and myself feel that these defaulted loans should have been included in the re-consolidation to help me get a fresh start.     I would greatly appreciate any assistance you could provide.
XXXX XXXX calls my home phone & cell phone asking for another person regarding an outstanding debt. I have informed them the person they are seeking does not live at my residence and asked them to stop calling. Their response is asking me for other person 's info and then hanging up the phone. Today at XXXX XXXX home phone & XXXX cell phone they are calling me again. This has been happening for over a period of time. I am a senior citizen and they are disturbing me..
On several attempts I have reached out to this company in regards to inaccurate information on my credit report. I have sent company ( XXXX XXXX ) 3 certified letters advising them to provide proof of said debt as this does not belong to me! Company has refused to respond and provide proof and refused to remove this incorrect information from my credit report! I reached out to Transunion to obtain proof that his debt was verified as belonging to me and they have also failed to provide me with the proper documents of this debt.
Transunion report deleted inquiries and reinserted with out providing written notice in 5 days of adding them. I called to dispute but they keep putting me on hold!
Contacted lender on XX/XX/XXXX to verify the payoff amount which includes a residual amount value. The lender stated the residual value of the vehicle to be XXXX. I have the original copy of the lease agreement. It shows a residual amount to XXXX. At that time, the representative said that it would take 10 days to investigate the discrepancy. I then waiting the prescribed time period and called again. The representative said that the residual that was shown on my agreement was correct. He then proceeded to tell me that value of the residual in their system would be corrected to match the contract and that it would be complete by the end of business on XX/XX/XXXX. I called again today, XX/XX/XXXX and the automated system still reflected the incorrect residual amount. I spoke with a live representative again. This time they stated that the residual amount shown on my contract did not include " taxes and fees '', and that the amount in their system was correct as is. We called one more time, on XX/XX/XXXX. This time, they said that they have a contract that shows the residual amount of their system. I do not recall signing two contracts. This is, in my opinion fraud.
I recently became unemployed and filled for unemployment benefits through the state of Colorado which then awarded me benefits in the amount of {$710.00}. Due to a technical issue my funds were transferred unknown to me to Chase Bank into an account that I believed was closed and paid in full. Upon contacting Chase Bank I was then told that not only was the account still open with a balance they then took funds from my unemployment and applied it to my account and would only be returning a partial amout of {$270.00}. I then advised a supervisor of Chase Bank that on XXXX XXXX, 2015 I made a deposit of {$440.00} to cover a balance owed of {$440.00}. I then provided the supervisor with the requested information from the receipt and was told I would be followed up with within 48 hours. I did n't receive any contact until I called back Chase Bank a week later. I then spoke to a different supervisor and was not given any info until I told her that I would be filing a complaint with the CFPB. At that point she told me that no payment could be located. She told me she would speak to her manager and again I would receive follow up within 48 hours. No follow up was made and again I called Chase Bank and spoke to another supervisor who told me that the info from the receipt was invalid even though I provided the original supervisor with all requested information as well as refused to let me speak to a manager or the Chase Corporate offices and that the only thing that I could do would be to bring the receipt into the original branch ( XXXX XXXX XXXX, XXXX XXXX, CO XXXX ) which is not possible since I am out of state. I asked if I could fax or e-mail the recipient which he told me was impossible. I then filed a complaint with the CFPB which also did not resolve the issue even though I provided all the necessary info from the recipient including the date, time, and associate who took my deposit. They then asked me to fax in the recipient even though I did twice already. Once on XXXX XXXX and again on XXXX XXXX but still have n't received any follow up or resolution on this issue. At this point if Chase Bank does n't resolve this issue I will be involving the FTC as well as taking legal action to recover funds.
I received a voicemail at work from XXXX XXXX, he advised that I would be served and that he had verified the policies and proceedures at my office with my employer to serve me. I returned his call and he advised that he had 6 month of my bank account statements. He advised the he was in the legal dept and he would proceed with action. I asked for confirmation of what this was in regards to and indicated a company I had never heard of. Asked XXXX times to have this information sent in writing. He declined
Timeline of events : XX/XX/XXXX Pulled credit report, Bankruptcy listed.XX/XX/XXXX Sent letter to BK Court verifying reporting to CB.

XX/XX/XXXX Called Lexis Nexis to remove, they " verified '' bankruptcy.

XX/XX/XXXX Received letter from BK Court.

XX/XX/XXXX Pulled credit report, still listed.

XX/XX/XXXX Sent letter to Lexis Nexis certified asking to verify.

XX/XX/XXXX Letter was delivered and signed for.

XX/XX/XXXX Received a response Lexis Nexis " verified '' bankruptcy.

XX/XX/XXXX Pulled credit report, still listed.

XX/XX/XXXX Sent 2nd letter to Lexis Nexis with letter from BK Court to verify 2nd time.

XX/XX/XXXX Letter was delivered and signed for.

XX/XX/XXXX Received a response Lexis Nexis " verified '' bankruptcy again.
AFTER RECEIVING A LETTER FROM THE XXXX XXXX XXXX XXXX XXXX I DID RECEIVE INFORMATION CONCERNINGWHAT THIS WAS ALL ABOUT, THIS WAS FROM MY OLD ADDRESSS IN MY NAME ONLY. MY HUSDAND AND MYSELF MOVED FROM IN 2013. TO ANOTHER STATE. I NEVER MADE PURCHASES FROM XXXX.
I am a victim of identity theft. The inquiries, which appears on my credit report from ALLY FINANCIAL dated X/XX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
I have made a settlement which was for less than half the balance owed on  XXXX   XXXX ,  2017  and it 's still on my credit report for a different collection agency.
I signed up for a Macy 's credit card I purchased something the same exact day for {$75.00}. I 'm not sure of the timeframe but in the same year my credit card was stolen along with other items I filed a police report I also called to cancel my card and someone did n't thoroughly do their job correctly and it was not canceled now this debt is reported on my credit report for {$280.00} and I want it taken off and I am willing to pay the {$75.00} that I originally owe.
Allow me this opportunity to thank you, the Consumer Finance Protection Bureau ( CFPB ) for protecting our consumer rights against these dirty, unethical and almost illegal credit reporting agencies, debt collectors, lenders and creditors. You are contributing nicely to protect us the consumers from the above-mentioned nasty and harassing entities. I was very upset and incensed when I learned that the Trump team reduced funding for the CFPB. I suppose Trump and his team should sit down and re-consider what they have done and reverse their bad decision. 

I am writing to you regarding a list of inquiries that has no business being on my credit profiles. I wrote to XXXX and Transunion and mailed the letters out by certified mail with return receipt requesting a copy of my application-for-credit with my signature on it. No results so far from Transunion or XXXX. They could not even care enough to send me a response. This is a gross violation of the Fair Credit Reporting Act. These corrupt credit reporting agencies are in bed with the greedy creditors and lenders ; they feed of each other. 

Please order Transunion and XXXX to delete the inquiries as they are interfering with my ability to obtain credit and move on with my life. 

Thank you very much CFPB.
I have been a XXXX for the past 8 years. I love what I do and I would n't change it for the world. My point is I work hard and I try to provide for my family the best way I can ... .. but it is extremely frustrating dealing with Equifax credit bureau. I am trying to obtain a loan to refinance my home and since XXXX of 2015, Equifax has been reporting my revolving credit usage at XXXX % when it has been between XXXX-XXXX % and they are also reporting XXXX unknown collection accounts. 

My credit score with XXXX is XXXX However my XXXX score is XXXX!!! 
Powered by Equifax Credit Score XXXX Revolving Debt {$1900.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$210000.00} Powered by XXXX Credit Score XXXX Revolving Debt {$580.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$200000.00} I am requesting they correct and update my file to show the credit revolving credit usage and remove the XXXX improperly placed collection accounts XXXX Account Number XXXX and Diversified Consultants Account Number XXXX
In XX/XX/XXXX three separate payments were deducted from my bank account - for the monthly car loan payment of {$200.00}. 

XX/XX/XXXX, {$220.00} was withdrawn from my account twice on that date : XXXX XXXX had GPS locator on my car plus the ability to lock it soI couldnt start the car - until I paid them the amount they demanded. On two other occasions in XX/XX/XXXX, they came to the parking lot where I was grocery shopping and proceeded to toll my car - they insisted that it would be tolled unless they got their money right then. also they said if I couldnt pay to call a relative or friend and they would have to have the {$200.00} submitted through XXXX XXXX by with a bank debit card - not a XXXX Credit card. the last time they came to the place I was staying early in the XXXX Around XXXX and put the car on the toll truck - with the strong warning that if the payment wasnt submitted right then - my car would be tolled and repossessed - so they did.