WillisBack/dataset-financial-user-claim huggingface dataset:
I would like a detailed explanation of how the disputed accounts with XXXX and XXXX XXXX were investigated and validated within 15 days of this request. I disputed accounts with XXXX and XXXX XXXX with the credit bureau. I also submitted a request directly to the company demanding validation of the debt. The creditor has failed to respond to my demand of validation and is therefore illegally reporting the account information. The FDCPA prohibits any company from engaging in collection activity for any debt they can not validate. If XXXX and XXXX XXXX XXXX the XXXX XXXX XXXX were unable to validate the debt with me I find it very difficult to believe they complied with the credit reporting agency.
Previous inquiries related to fraud, which the accounts were closed and removed from my report have been reinserted. 

Recently I got hit by like 4 applications of credit for car and I am not able to get hold of someone on the phone they keep transferring from one place to another just spend 4 hours on the phone and still I was not able to talk to someone. 

Transunion Inquiries that reappear : XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX Transunion fraudulent inquiries XXXX obtained a copy of your TRANSUNION XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX obtained a copy of your TRANSUNION XXXX XXXX XXXX, XXXX NEW! 
XXXX XXXX XXXX obtained a copy of your TRANSUNION XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX
RE: Unverified inaccurate items:FED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN XXXXFED LOAN  XXXXFED LOAN  XXXXI have been back and forth with XXXX and Experian for several months about how they continue to report incorrect information that does not reflect my true accurate credit report. I have supporting documentation from XXXX where I disputed several items XXXX XXXX) that were being incorrectly reported and XXXX completed investigation results came back that these  were unverified accounts and they were deleted from my credit report. I also sent XXXX and Experian a dispute as well around the same time disputing these incorrect items. Their investigations came back Verified. When I sent another letter asking for their verification process method with detailed questions that I wanted answers and documentation proof; I did not receive anything from XXXX and Experian. Yet til this day Transunion and Experian are continuing to report these inaccurate unverifed items on my credit reports. I am uploading supporting documentation from XXXX showing that these items were deleted because they were unverified and inaccurate. XXXX and Experian need to follow suit and delete the abovementioned incorrect items from my credit reports immediately.They must be removed in order to show my true credit history, as these items should not be on my credit report Pursuant to the Fair Credit Reporting Act. I expect this to be completed within 30 days.Please send me an updated report as soon as soon your investigation is complete.
We have a mortgage loan through US Bank. We had mortgage insurance on our loan and it was taken off earlier in the year because we had paid our loan low enough for it to be taken off. It was off for a couple of months and now I noticed it was back on there and we have been paying for it for months now. Now they are saying I am short on my escrow account. Is this any type of fraud? Also when we got our loan we had our property appraised and it appraised at a price we would not need mortgage insurance well they came back at us and said FHA requires XXXX appraisals. When we received our XXXX appraisal it was XXXX dollars lower than the XXXX appraisal. They told us they had to take the lower appraisal and we were going to be charged mortgage insurance and we back out now we would be charged thousands of dollars. 
Please email me back. Thank you for your time I really appreciate it.
I have asked all 3 credit bureaus to verify that this collection account is mine. I have tried disputing and I have not been successful. 

The collection in question is XXXX XXXX XXXX XXXX I have filed a ID theft report w FTC
A collection appeared on my XXXX report, I mailed a letter requesting Bonneville Collections to validate this information and my request is being ignored. From my understanding of the law this is illegal.
This letter is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under XXXX federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
I recently started the 3 payment trial period with my mortgage servicer Select Port Folio XXXX. My 1st payment was sent to them XXXX. I have received a property foreclosure notice for XXXX. I'm paying the mortgage payment, how am I receiving a foreclosure notice with a sale date for my home. Also please contact foreclosure attorney XXXX XXXX TN, XXXX to cancel foreclosure sale.
I made a cash advance of {$100.00} in mid XX/XX/XXXX. It had a promotional rate of 0 %. Between XX/XX/XXXX and XX/XX/XXXX, I made double payments, but, the {$100.00} was not paid off. I inquired about this in XX/XX/XXXX. I was given an explanation about how payments were applied. I was then told that if I pay the minimum payment + the remaining cash advance balance, it would be complete. I asked why that had not already been done with my double payments. I still don't have a good answer. 

I asked that my payments be reallocated to satisfy the balance. The very next month, the line item on my statement showed no balance in the cash advance line. This  confirmed for me that the balance had been resolved. Fast forward 6 months. 

For my statement with a due date of XX/XX/XXXX, an amount has resurfaced in the amount of XXXX in the Direct Deposit and Check Cash Advance line with interest of .81. I have not requested another Check Cash Advance. Upon inquiry about this amount, I was told it was the same one from a year ago. 

I asked why this amount has not been appearing on my statements. I have not been given an answer. This looks like Bank of America tried to hide the amount in an effort to charge me interest without my knowledge. This also looks like Bank of America purposely chose not to pay off this small amount in order to find any and every opportunity to charge me interest. This is fraudulent. 

I keep being given the explanation that I should pay the remaining amount of the cash advance + the minimum payment but it was never applied when I was making more than the minimum payment. This was a small amount that should have been paid off long ago. I am being misled by Bank of America.
Yesterday I started receiving emails from Wells Fargo Online stating I needed to sign into my online account to receive updated disclosure information. I received over XXXX emails but the link and last XXXX digits of the account number on the emails were not mine. I called and talked to their technical support and was told they could n't do anything last night as everyone had gone home. Meanwhile emails continue to come in maxing out my primary email address and then filtering into my back up one. The agent said they would look into it and get back to me. After numerous calls today, I was told it was an error and they could n't stop the emails and I would need to delete them all or filter them out. Since they were all received emails there was no way for me to filter them. I called my internet service provider but no luck, Meanwhile Wells Fargo did nothing to reassure me this was not a security breach and no one had my email addresses and information. They offered no compensation for my time and time spent removing these thousands of emails XXXX at a time. I also stated I was concerned as the customers who did not get these notifications but it did n't seem to be a worry for them.
On XXXX XXXX, 2017 I received a call at XXXX PM from XXXX XXXX, from Convergent Outsourcing XXXX XXXX on behalf of XXXX. She asked me to verify my name and address, which I refused to do, and the caller ended the call. I have since been waiting to receive the letter that is required to be sent after contact in an attempt to collect a debt. No such letter has come to my home. Today I received an alert from my XXXX XXXX that a new account is reporting as a collection from Convergent. 

Convergent has deprived me of my chance to dispute this debt or request validation, by not sending me the required letter within 5 days of contacting me regarding this debt.
i have already files a complaint and got the resolution.i am not satisfied with the resolution ( {$100.00} + {$25.00} copensation ) as a result of my complaint.I did try to contact XXXX XXXX and i never got a response back.i was not aware that when i dispute the resolution of the bank the complaint would be closed on CFPB end.that is the reason why i am filing an other complaint to get a satisfactory resolution as soon as possible and get a fair amount of compensation for the amount of time i swpent and frustration i went through by contacting the call center agent of US bank.I waqs otld to throw away my gift card woth {$100.00} multiple times just because it was purged in their system
In XXXX 2015, I established a PayPal business account for use related to my XXXX. Within one month of using my account, I received a notification from PayPal indicating a limitation was placed on my account and I could not access funds for 180 days. During the one month of my PayPal use ( XXXX 2015 ), my transactions related to the following : XXXX personal deposits to my PayPal account for retail purchases on eBay, XXXX eBay purchases, and XXXX receipt of payment for an XXXX rental. At no time were funds in my account withdrawn to a bank account or transferred to any other individuals. 

Following the account limitation placed by PayPal, I called PayPal customer service and spoke with a representative by the name of XXXX. During my conversation, the representative was unable to specify the reason for the limitation being placed on my account. He indicated PayPal uses proprietary methods for analyzing accounts. As a result, the only explanation of the limitation I have received to date is summarized below from a notification from PayPal : '' XXXX XXXX, 2015 : We noticed one or more of the following problems : You provided information that we believe was false, inaccurate, or misleading ; orYou sent or received money that was potentially related to fraudulent activity ; orYou have more than one account with a negative balance ; orYou are in violation of the User Agreement, the Commercial Entity Agreement, the Acceptable Use Policy, or another agreement you have with PayPal. " I would like to address the aforementioned problems identified by PayPal:1. ) You provided information that we believe was false, inaccurate, or misleading. 
- All personal information in my PayPal profile, including social security #, birthdate, address, business name, etc ... are true and accurate. PayPal has not provided evidence of the contrary. 

2. ) You sent or received money that was potentially related to fraudulent activity. 
- The only funds received during my one month of use on PayPal related to an XXXX rental. The funds were sent directly from XXXX and do not relate to any fraudulent activity. 

3. ) You have more than one account with a negative balance- As of XXXX XXXX, 2015, my account has a balance {$2800.00}. At no time during use of my account was the balance ever negative. 

4. ) You are in violation of the User Agreement, the Commercial Entity Agreement, the Acceptable Use Policy, or another agreement you have with PayPal. 
- After a detailed review of PayPal 's agreements, I utilized the service in accordance with all rules and regulations. At no time were funds ever withdrawn or transferred to outside individuals/entities. My PayPal account was used for retail purchases on eBay and receipt of payment for an XXXX rental.
I had a fraudulent charge on my Bank of America charge card. They sent the bills to an incorrect address. I was unaware of the transactions existence until I pulled my annual credit report and noticed the account had charged off. This was not a credit card I used regularly. This was associated with a subscriptions service that had an auto renew that I was unaware of this feature. This coupled with the fact B of A did n't send my bills to my address led to my account charging off.
On XX/XX/2018 I am getting hit with a hard inquiry from XXXX I noticed this on my XXXX XXXX account. I did not authorize any inquire had XXXX department store. This was fraud and not authorized by me. I had called XXXX to tell them about this fraud and asked them to remove inquiry as I never went Into any of there stores or any of there outlets to try and get a XXXX card. 

XXXX had said this shouldn't be a problem and that a rep would get back to me in 24 hours which never occurred.
Premise : I ordered book of checks via US Bank web-portal service. 
Few weeks went by, still not having received the checks, I called in to find out that they have sent it to some random address. The rep then proceeded to cancel the incorrectly mailed checks, and issued me new ones with the correct address. 
Here is the caveat : the rep issued the new checks with EXACTLY the same number of the checks he had canceled therefore rendering all newly issued checks useless. 

Result : All the checks I had wrote ( lot outstanding keep in mind as I had to wait about 2 months from the initial ordering date ) were bounced. Out of all the bounced checks, XXXX was actually to the XXXX, where we had paid higher premium to have an application expedited for a family member. What was suppose to be the tail end of 2-3 month process had to start ALL over, not to mention penalties that came along with it. 

Actions taken : I called multiple times and was assured multiple times that a supervisor would call to discuss reimbursement of the penalty fees applied for parties that deposited the incorrectly issued checks on behalf of US Bank. 
Even to their request, I had emailed over two attachments illustrating all the bounced checks/fees and even the rejected application letter from US Government due to bounced check. 

To this date, I still have nothing resolved. No reimbursement of the bounced check fees for my other parties. Nothing was done at all, other than an apology letter that says to call their XXXX number for any questions. 

Extremely frustrated, unprofessional and simply unacceptable for a banking institution to mess up to this degree and leave it unresolved.
This is my final entry for the portal with my servicer and note holder. I will uploading a correction for the servicer regarding XXXX XXXX on the mortgage which indicated by the server to notify of intent to fore-closer letter she received.
I have a credit card with XXXX BANK/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, XXXX, and XXXX BANK/XXXX  XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Good Morning. Last week I took advantage of requesting a copy of my free annual credit report. Everything was in order except the inquiry section. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX inquired in my credit 82 times between the dates of XX/XX/XXXX and XX/XX/XXXX. I do not have an account with Discover. I tried to contact them by phone on XX/XX/XXXX, and because I do not have an account, the representative could not " help '' me find answers, and they referred me to a credit reporting agency. I tried to call XXXX, but none of the phone prompts would bring me to someone I could speak to. This week I received another mailing from Discover, and because of what I have learned about their inquiry methods, I opened the offer of credit and logged onto a site they referred to in their mailing called XXXX. I am furious that Discover " hit '' my credit report this often and most likely affected my credit score and thus increased interest rates I am paying on legitimate trade lines I have applied for and use.
I made a purchase of {$490.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
A collection agency for a HOA was harrassing me for dues I failed to pay when the house was in forclosure. I kept telling them the bank owned the property and to contact them I no longer lived there. The HOA chose to ignore me and kept billing me for dues now over XXXX.+ They turned the matter over to Coachella Valley Collection Service . Whom continued to contact family member 's, threatening & harrassing them. So how do they get away with such fraud and deception, and win a court case I knew nothing about. So, therefore, do n't move to XXXX XXXX, in Ca
Unfair lending practices, charging of erroneous fees, inflating balance over the years with the ending balance going up while making payments on time. I have complete documentation and a letter that is being sent to Navient regarding this situation that I would like to send. As it goes step by step.
I received a credit monitoring notice stating that I have two collections for " XXXX XXXX/Citibank '' student loans from XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX. They stated that they have no record of having my account ( but they service student loans for Citibank ). They did state however that my social security number was listed " on a spreadsheet with no identifiable personal or account information. '' That was disturbing. Why would they have my social security number on a spreadsheet and I do not have an account in their office. <P/>XXXX XXXX directed me to call XXXX XXXX XXXX, because they also service Citibank student loans. I called them at ( XXXX ) XXXX on XX/XX/XXXX. A young man informed me that Citibank sent my account to their office in XX/XX/XXXX, but took the account back one week later. I asked him what that means and he said that there were no notes on the account. He stated that they do not have my account, Citibank has my account. He told me to call them at ( XXXX ) XXXX. <P/>I called Citibank on XX/XX/XXXX regarding the account. I was told that my account went into collections in XX/XX/XXXX. First, my account has been in deferment since XX/XX/XXXX. Second, I never received any notice of requested payment. Third, I never received an FDCPA compliant letter stating my account was going into collections. Citibank had no response to my statements or my request to see my entire account history. <P/>I have been on the phone for hours today trying to get to the bottom of why I have these deferred, never late accounts appearing as collections on my credit report. I have never made a late payment. I have never missed a payment. I do not understand. This is costing me the ability to purchase a home. Thee are the only negative items on my credit report. My score has dropped XXXX points because of this terrible mistake. Please help me.
I opened up a gym membership with the XXXX. I signed a two year contract therefore I was stuck. But I was told that we could break it if we payed a fee. I forget the amount, and because they had lied and deceived me I stopped paying the monthly payments. And now they sent my account to collections. This is n't even a credit card or an autoloan for it to affect me like this. They are undeserving of the payment because of the lying and shady practices they do. So I need this erased from my credit.
Experian refuses to investigate my dispute for erroneous personal and account information on my credit file. They will not provide me with the method of verification per FCRA Section 611 ( a ) ( 7 ). I just received 3 letters, the first that came back " verified, '' which is not sufficient and the other two letters were letters stating that they will not investigate my claims, even though they did n't show me how they investigated in the first place.
Creditor XXXX, XXXX repeatedly attempting to collect a debt after Bankruptcy discharge.