WillisBack/dataset-financial-user-claim huggingface dataset:
I have requested proof on two separate occasions that I am indeed the party that LVNV is asking to pay this debt, and that there is some contractual obligation which is binding on me to pay this debt. LVNV failed to provide : 1. Proof that LVNV are licensed to collect debts in the state of Texas. 
2. A copy of the contract between LVNV and the original creditor. ( Agreement with your client that grants you the authority to collect on this alleged debt ) 3. A complete and full accounting transaction history ( the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. XXXX 509 ) 4. Copies of the certified original contracts which include my name, social security number, and true signature. ( Agreement that bears the true signature of the alleged debtor wherein he agreed to pay the original creditor. )
Enhanced Recovery added a collections account to my credit report on XXXX/XXXX/14. I noticed the debt on my credit when I checked it in XXXX 2014. I sent the first certified letter XXXX XXXX, 2014 and have sent multiple letters since then to this company and all 3 credit bureaus. We have sent multiple certified letters to Enhanced Recovery Company , LLC requesting verification of the debt because it is not mine. They have refused to provide proof of the debt and refuse to remove the item from the 3 credit reports.
As long as Equifax avoids addressing my issues I will continue to send compliants via this portal. I have asked repeatedly that negative information be corrected because of inaccuracies and so has the credit card company, but Equifax won't even read my dispute to see what I am referring to exactly. I have so many generic responses from them in letters and on Equifax.com that I am getting so frustrated asking for specifics to be verified because all they do is verify the whole account and disregard my specific complaint completely. When a small piece of information impacts my whole financial life how dare they pretend like they can't hear me or see my issue. what is the purpose of deleting all around that month but not that month??????? Why not address the specific month and the specific information I am disputing and STOP brushing consumers off with mediocre responses and generalizing a complaint and refusing to change the misinformation? The XXXX account that begins with XXXX has and incorrect 30 day late that XXXX acknowledge and reversed due to fraud, for some horrible reason Equifax, and only Equifax, is not changing the negative information and so I ask them to remove the whole account as it violates the law but I get the sam robotic response from them .... 

How many months do people need to wait for Equifax to respond, acknowledge or consider what is being complained about and correct or delete the account based on facts, phone calls, fraud alerts and complaint history?
I am writing to your agency because I am very disappointed in the way Discover handled my case. I tried to re open XXXX cases with them : XXXX and XXXX charged by XXXX and XXXX XXXX XXXX. They would not re open it, I understand that I missed a deadline but I called them to explain that I have XXXX XXXX. I am currently in XXXX, It is hard to keep up with my mail. I am dealing with XXXX and XXXX. All this is overwhelming. I ca n't believe they are doing this to me. Where 's the compassion? I am asking your help to please try to re open my case, I was going to respond the letter to Discover when I saw the date was due already, then I called them on XXXX XXXX and they denied my request.
XXXX XXXX keeps on report to the credit bureau negative information about me. I did contact them twice, they're referring me to another company name : self lender. In wich they have provided me with a phone number XXXX However, when ever I try to reach them, they never picked up the call. I need your help. I don't have much credit, now it getting worse, because of those people who did offer me a service, then you can't declined it
I 've repeatedly contacted this company advising them to provide me with verification of debt. They repeatedly tell me that they are not required to provide such debt verification and that they sent XXXX out on XXXX XXXX. I 've advised them multiple times that I did not receive this letter they sent and they refuse to provide any other. I have advised them that I am not opposed to paying what I owe, once I receive the verification of said debt. They refuse to provide this information repeatedly. They have not provided this and refuse to offer a resolution.
I attempted to send money from my Coinbase BCH account to my Coinbase USD wallet account. The money disappeared from the BCH account and never showed up in the USD wallet account. There support refuses to reply to my e-mails sent.
I found out in XX/XX/2018 that XXXX XXXX XXXX had 2 accounts in collection noted on my credit report. In XXXX, they sent me a letter about the accounts which I returned via certified mail requesting validation of each. Nothing came. In XXXX, I resent the letter via certified mail requesting validation under the FCRA, they sent a letter stating " their records are accurate and correct '' but nothing else. I returned that letter stating this was not 'validation ' under the FCRA and they must immediately remove the listed items for failure to validate per the FCRA XXXX again, they sent me a collection letter and we repeated these actions in XXXX, XXXX and XXXX. I am done! They can not validate these accounts and sending me a letter stating " Our files are accurate and correct '' is not validation, they simply can not validate and therefore must remove immediately. Thank you. I can submit backup docs upon request
I have been part of the cybersecurity leak that affected Equifax from XXXX to XXXX XXXX. I am only being informed now, in XXXX of XXXX of the fact that my information has been floating around as part of this comprehensive hack on their databases. This is unacceptable as no information was ever given to Equifax consumers by Equifax regarding the breach. 

As a result of this breach I may be vulnerable to fraud, identity theft, unauthorized use of my credit and finances, among other life-changing things. This has caused me much stress, anxiety,  and undue hardship due to the constant thinking about having my identity stolen and the taking steps, without the help of Equifax, to attempt to minimize damage and remedy the situation. For a company that is worth well over {$3.00} billion, it is absurd that they can not protect consumer information.
Received a call from XXXX. XXXX XXXX claimed he was coastal financial legal department. Stated he had me on camera in a store and that charges are being brought against me for defrauding said company. He 's called me, my mom, dad, grandma, brother, sister in law and cousins. Seriously?!?! Is this legal??
Several years ago I received in the mail a notice from the XXXX XXXX XXXX for a delinquent debt for a XXXX account. I have NEVER used XXXX. After speaking with a XXXX representative, I was told to email a copy of a completed FTC Complaint and a photo ID to remove the debt from my name. I emailed both of these items to XXXX. This month, about 3 days later, this SAME collection is showing up on my CREDIT REPORT. I have contacted XXXX yet again and was told this account has DIFFERENT social security number affiliated with it. In order to have the collection removed I was told to AGAIN fax a copy of my FTC Complaint, a copy of my credit report, and a copy of a police report showing that I reported this incident. I faxed all of this information to XXXX six days ago and received a fax transmittal confirmation. I called XXXX billing department this morning and was told they have no recorded of receiving this information and that it could take up to 2 weeks so I just needed to be patient. I am incredibly doubtful that sending the same information to XXXX as I did 3 years ago will cause them to take any action towards removing this fraudulent collection from my credit report. I have exhausted all resources I possibly can to clear this up and the Company again is refusing to act. I am attempting to purchase a home and this collection has SERIOUS NEGATIVE IMPACT to my credit score. XXXX is costing me money, time, and effort and there is nothing it seems that will make them take action.
Recently I suffered a leg injury which has prevented me from returning to work and living on fixed XXXX XXXX  payment. I was informed by a co-worker via text messaging of a phone call recrived by my employer which was made by XXXX XXXX XXXX XXXX. Previous to becoming injured I had imformed this agency that the number they had was that of my workplace and that it was against company policy to take non emergency personal calls. At which point I asked this agency stop making phone calls to my place.
Bank of America took money from my bank account for a 2014 debt without notifying me. The debt occurred as a result of the bank 's negligence in not having a business continuity plan. They failed to close their XXXX office despite warnings of a severe snow storm. As a result, I was stranded for over 21 hours on the interstate. As a result of that calamity, I was hospitalized at XXXX receiving XXXX. The Bank further damaged me by not approving my leave and I did n't receive a paycheck while out on leave. This caused my account to become overdrawn. By the time I appealed and fought the decision not to pay me, my account had been closed. At no time did the bank give me an opportunity to try and settle this debt. Instead, they waited 2 years to take money from my account without warning. Bank of America has a history of abusing the elderly and XXXX veterans.
I had a loan with Santander Consumer USA and sent them a letter to have the repossession removed from my report. They have placed on the account for XXXX that there is collection with {$0.00} and that its a bad debt and also have re-aged the account with new date of XXXX. I have n't had the vehicle or loan with them since XXXX. They have violated my rights and are also in violation of FCRA Section 605 ( c ) for consumer protection afforded by the FCRA. They reported the last activity instead of the date of the delinquency. I would like this to be removed from my credit report. It has caused undue stress and has violated my rights.
I contacted transunion on XXXX XXXX by mail to dispute inquires that were unauthorized by me. I have tried to contact them several times by phone stating that the inquires were not authorized by me. I stated that I felt that that were done my third parties companies. It has been over 30 days and I have not receive a response from transunion. I have requested several times to have these deleted. I also tried calling them on XXXX XXXX and XXXX XXXX. They stated there is nothing they can do and they will remain for 2 years. I feel for these inquires to remain is unfair to the consumer. The FCRA states that the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. I would like the below inquires remove. 

XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX
This is a general comment. When I received my mortgage I was quoted a rate and an APR which took into account the fees I was going to pay. This allowed me to compare rates in an apples to apples scenario. 

However, I do n't understand why the same does not apply to credit cards. They promise these XXXX XXXX XXXX XXXX  APR balance transfers but then charge a XXXX XXXX fee or higher. Should n't these fees reflect in the XXXX. It seems like a false advertisement. I am essentially paying them an interest rate upfront they just call it a fee. Then when the promotional rate expires you are paying interest on that fee. 

Seems like an unfair and deceptive practice to me. At least require them to state an accurate APR that includes the fee.
I was offered the promotion that I will get a statement credit of {$40.00}, {$80.00} or {$120.00} on my XXXX XXXX Credit Card ( XXXX ) as a new customer if I were to register my XXXX before XX/XX/2018 ( XXXX XXXX XXXX ) ' which I'd register my XXXX  before the promotional date ( XX/XX/2018 ) and did not received my statement credit ever!!!!.
I have sent several letters to all 3 credit bureaus requesting that Portfolio Recovery Associates, LLC provide validation of debt concerning the 2 accounts held at their company in my name. The have not provided any validation of this debt but continue to send letters stating I need to pay this collection. They are reporting inaccurate information to the 3 credit bureaus.
I have had a " unpaid '' late collection agency claim put on my credit report for {$540.00}. This is for a bill from the  XXXX   XXXX  of  XXXX . I have NEVER been to this place. This has been done by a company named :  Creditors Discount &amp; Audit -   XXXX   XXXX   XXXX   XXXX  -  XXXX ,  XXXX   XXXX   XXXX  Account #  XXXX  This is NOT my bill. I want this removed immediately!     Thank you ;
Barclay Card XXXX was XXXX of cards that our family used regularly to accumulate points for travel\ling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for cruise with our XXXX young daughters for the XX/XX/2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We ca n't go on our trip because of this. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first. When we filed the complaint, they just showing us the letters again without giving us a chance to redeem our points.
I have been in repayment f or 11 years. This company has consistently mis-applied payments which requires me to call and argue with them for 1-2 hours every 1-3 months to get them to fix how the payments were applied. They may  have changed their name from  XXXX  to Navient, but they have not changed their harassing procedures.
The bureau has reported me to the credit bureau for a credit card I never opened. They say it was opened on XX/XX/2017 I was in the process of moving and didnt even have a mailing address so this was not me I have never received anything from this company and I checked my credit report and they have reported it.
53 Bank is my loan servicer. I sustained damage During Hurricane Florence and was issued a check from my insurance company. I was instructed by 53 Bank to endorse the check and send it to them. I did so two weeks ago. They are in no hurry to send me my repair money. My roof is leaking  causing more damage every time it rains. I cant get anyone from 53 Bank to  answer the phone and if and when they do the person that answers has no clue how to help me. I'm frustrated and need help. Please advise
Hello XXXX XXXX XXXX My name is XXXX XXXX and our account is under XXXX and XXXX XXXX and our loan number is XXXX and I am opening up a 2nd complaint with the  Consumer Finance Protection Bureau against Freedom Mortgage. The first complaint was filed in XX/XX/XXXX and the origianl complaint number is XXXX. As part of resolving the issue of my payments taken out of my bank accounts by XXXX and not being posted to Freedom Mortage, my credit was to updated to reflect that my account was actually current. As part of your own wording that was to be done, which now I find that your company still refects that in XX/XX/XXXX I was 30, 60, and 90 days late. I am in the process of trying to purchase a new home, to be financed by the builder. I was contacted by the lender and told that unless this credit reporting is resolved quickly I can potentially lose the home and the closing costs which would have been available to be paid by the builder once the credit is approved. I have included a copy of my orignal complaint and your response. I need this issue resolved immediately, as it was to be almost one year ago. Please contact me directly at XXXX
I received a letter from AAFES stating that a debt was being referred to a collection agency. However the account I had with AAFES has been paid and closed. Also the account information is incorrect. When asked to verify the debt. No itemized bill statement was provided showing each charge of the over {$2000.00} debt suggested. No original paperwork for which I would have signed for the account was ever provided.
I applied for a personal line of credit in the amount of {$5000.00} to make repairs to my home. I used USAA 's online application and was denied. The reasons cited were serious delinquencies on my account, which is incorrect. I do not have any outstanding balances on my account. There is a Bankruptcy from XX/XX/2014that was dismissed when I became unable to work, however, the small amount of debt that was placed in the Bankruptcy has since been paid when I began to receive my XXXX  payments. The bankruptcy was filed to save my home and all my accounts are in outstanding condition. Therefore, I believe that USAA is using incorrect information. I called and asked to speak with a senior representative and have gotten nowhere. I have banked with them for over 15 years and have not burned them on any payments or been delinquent on anything ( automobile insurance ) or checking account. I do not have a bankruptcy account listed with them and am just baffled about how they are getting this wrong information. My application was unfairly declined. I wand someone at the corporate level to relook at my application.
XXXX, Trans Union, XXXX - I have an old C.C. account ( XXXX  ) - ( it now has new last four digits ) with XXXX XXXX. I've had this account for more than 12 years ( I'm not giving the exact time ) and I was 30 days late on a payment more than 9 years ago and they are still reporting me as having a late payment history. I have contacted all three credit reporting agencies and XXXX XXXX credit card services and they all give me the same reason for not having the item removed - " We are required by law to accurately report your payment history. If you can show proof that this information is incorrect simply submit your dispute in writing and we will investigate and then get back with you regarding our findings ''. Seriously! I'm not disputing the fact that I was late on a payment - but am I to be punished for the rest of my " credit '' life for being 30 days late ONE TIME - YEARS AGO? That's TERRIBLE! A XXXX can get paroled and even a commuted sentence but a 1 time late payment stays with you for LIFE. Surely there is SOMETHING that can be DONE? Please help
I have a ExxonMobil credit card, Acct # XXXX. I only use this card for gas purchases via my XXXX. I normally purchase gas and then quickly pay off the purchasing using my Bank debit card. I noticed an issue with not being able to access my ExxonMobil account via the website. I finally call the XXXX number have been informed that I have a balance of {$120.00} comprised mostly of late fees that I have never been aware of. No one from ExxonMobil ever informed me of any irregularities at any time. Mind you I pay my gas purchases as soon as I make my purchase via my Bank debit card. They denied me access to their website which I thought was odd but never really bother to inquire since I was paying off my bills as soon as I incurred them. I called the XXXX number XXXX and was just informed of this situation. I did get them to waive the latest late fee and paid off the balance of {$83.00}. So basically for a gas purchase of about {$15.00}, I ended up pay {$83.00} dollars. I could n't close my account because of course that department is conveniently closed on Saturdays. This is a rip off plain and simple. ExxonMobil never bothered to call me at any time to discuss this issue which I would have resolved right on the spot. They just kept hitting me with late fee after late fee. Since they block my access to my account on-line I was never aware of any issues. I had an issue with ExxonMobil some years ago. My son who is an legitimate user of my account lost his card. It appears that someone found the card and used it. ExxonMobil denied my claim and I was forced to pay off the purchases even though I provided clear evidence that my son had lost the card. But this situation now is the last straw. I got ripped off by the last time by ExxonMobil for having to pay unauthorized purchases for a lost card. I complained and proved a statement but to no avail. Now this situation to be hit with late fees and never informed that there is an issue with your account is unacceptable.
Was sent offer for buissness credit card from capital one, applied was given credit card with XXXX dollar limit have used card several months never late pay balances off in full My credit score is over 800 got letter saying they were closing my account that my buissness didn Align with their policy called them asked for explanation was told couldnt have one and that I couldnt talk to anyone else
According to Equifax 's www.equifaxsecurity2017.com/XXXX site, some of my information may have been compromised : " Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in XXXX XXXX. '' I am not interested in enrolling in XXXX XXXX with the company who allowed my information to be stolen in the first place, especially in light of reports that the TOS for XXXX XXXX  requires that I waive my right to sue Equifax over the compromised information. In my opinion, Equifax has handled this situation poorly.
XXXX changed credit card companies from XXXX XXXX to Citibank. We cancelled our XXXX membership and our XXXX XXXX and refused service with Citibank. Afterward, we regularly received letters saying they would open the credit card account with Citibank. We contacted XXXX and Citibank multiple times refusing the credit card but they still opened the account. We now have an unauthorized Visa credit card from Citibank.
In XX/XX/2018, I had sent the collection company a letter to Validate an account that was appearing on both XXXX  & XXXX credit reports. I had disputed this account with the credit bureaus on numerous of occasions only to get back responses that the account has been VERIFIED but like I mentioned they never VALIDATED the account. The collection agency sent me a copy of a judgment which I wasnt aware of, they never sent me nothing via usps mail stating that they were attempting to collect this debt & lastly I DIDNT receive anything from them stating that they were suing me. After they sent me the copy of judgment is when I searched court records to verify that in fact they not only got a JUDGMENT on this account but that they are also enlisted this very same account as a COLLECTIONS DEBT with the 2 Credit Bureaus listed earlier in my statement