WillisBack/dataset-financial-user-claim huggingface dataset:
After numerous attempts to resolve inaccurate information being reporting by XXXX XXXX XXXX they retaliated by reporting more derogatory information to the credit bureaus. I had a city furniture account I paid off on XXXX 2012 and I asked the customer service to close the account. Instead, they reported that my account was charged off and continued to report charge off till XXXX 2012. They acted in bad faith and this is a false and criminal reporting.
My name is  XXXX   XXXX  is  XXXX   XXXX  I entered into an agreement with a Reservation System for use by my company  XXXX   XXXX   XXXX . After setting up this system I was informed that I must use  XXXX   XXXX   XXXX  who operate  XXXX  a system for processing credit card payments.   However I was not happy with any of the systems thus I cancelled everything with the  XXXX   XXXX , the Merchant Services which includes  XXXX  within weeks of the original set up date.    XXXX  continued to collect money from my  XXXX   XXXX  Bank Account, I telephoned them every month to complain saying that my account with them had been cancelled they finally they told me to put my cancellation in writing which I d id ( letter a ttached. ) I made a complaint to my bank  XXXX   XXXX  and they told me that they could not do anything to help me.    XXXX  continued taking money from my account until I eventually decided to close the account and move to another bank.    XXXX  sent my file to a  Collection Agency Allen and Associates who tele phoned me and threaten me with "  ACTION  '' if I did not pay up. They sent me a letter dated  XXXX   XXXX   XXXX  to which I telephoned in response spoke to  XXXX   XXXX , who told me that they have documents proving that I owe money. I asked her to send me copies of any documents showing that I owed an money. I have not received any further communication from them until I hear from  XXXX   XXXX  that my credit record had been compromised.   I disputed the charges with  XXXX   XXXX  and have their letter in repl y ( c opy letter attached )
My husband died in XXXX 2016 and in XXXX I closed the XXXX account which provided internet, TV an phone services. I was ill and not living in the location where the services were provided. I was asked to send back the routers. I requested that the prepaid carton for the routers be sent to my daughter. The carton was received by her and she went to my apartment and put the routers in the carton and sent the carton back to XXXX. XXXX is charging me for the routers. {$460.00}. However the routers were returned and so I do not owe that money. All other billing from XXXX on that account was paid.
My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, XXXX and XXXX. I have a excellent payment history. I am XXXX XXXX XXXX XXXX.
This complaint is totally different from complaint no. XXXX. 
I am unable to get a copy of my credit report, secure the status of my disputes, speak with the contact person who called me one time and will not return my calls, and several companies have requested that negative accounts be deleted and yet TransUnion will not delete these negative accounts. Lastly, names are on my account are not correct. I am being told not that only the " Priority Department '' can pull my file but no one answers or returns my call. TransUnion has names that are not mine and negative files that should have been deleted.
I obtained a loan in XXXX for an automobile through Westlake Financial Services for over {$16000.00}. I have been very ill for the last few years and feel behind on my payment. Unltimately, the car was repossessed in XXXX then sold by Westlake Financial Services. I received a copy of my credit report with fraudulent information. Westlake Financial Services has indicated this account is past due by {$1300.00}, currently delinquent by 30 days with a payment amount of {$430.00} and a balance of {$16000.00} none of which are true. I received a letter from Westlake Financial Services indicating the balance is {$13000.00}. I am XXXX now and I believe this company has a practice of reporting fraudulent information against consumers. I also do not believe this company is keeping accurate records in an effort to fleece consumers such as myself prying on us as a community.
LexisNexis Consumer Service shows a Tax Lien on my credit report. I do not have ANY Tax Lien. I DISPUTED the information with LexisNexis Consumer Service on XXXX XXXX, 2017 via USPS certified mail return receipt. Asking them to VALIDATE the information in accordance with the Fair Debt Reporting Act. I have not heard from LexisNexis Consumer Service, nor did they mark this information ad DISPUTED. I sent another letter dated XXXX XXXX, 2017 via USPS certified mail return receipt. informing LexisNexis Consumer Service by not responding to my original letter dated XXXX XXXX, 2017 LexisNexis Consumer Service have not only violated federal law, but they have failed to  provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Given that I believe you are acting in bad faith, and have not complied with the Federal Trade Commission ( 15 USC 41, et seq. ), I will filed a Small Claims lawsuit against you for failure to validate Lien/ Judgment on consumer report. ( FCRA Section 611 Part ( A ) ( 1 ) I have maintained careful records of your company actions, and you WILL BE required to appear at Superior Court of California , XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX California XX/XX/XXXX if the said information is not removed from my consumer report IMMEDIATELY. I will be seeking {$3500.00} in damages for : 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act LexisNexis Consumer Service. Has failed to validate said Liens/ Judgment Failure to remove item off consumer report. Fail to provide proof of item. Deformation. Violation of the Fair Credit Reporting Act, Negligent Establishment of Identify Fraud. Based on your response to the FCPB will determine my next actions. Information also needs to be updated with XXXX and XXXX. Verification according to XXXX  's Law Dictionary is " ... averment that the party pleading is ready to establish the truth of what he has set forth. '' Also, it goes on to say, " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' The court said " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ; and XXXX v. XXXX XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX ; and XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
To break it down into language you can understand, verification is sworn testimony. It can be testimony in a deposition or in court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand knowledge. A court clerk does not have firsthand knowledge nor does the county recorder, nor does anyone at the credit bureaus, nor does Lexis Nexus, the main public records source for the credit bureaus. If someone verifies but they do n't have first-hand knowledge, then its not verification, its Hearsay. And hearsay is inadmissible and the court says its incompetent.
i want to complain against EQUIFAX. a XXXX XXXX XXXX acct was turned over to XXXX XXXX XXXX  in XXXX, nc. i made an agreement in writing and have made all current payments on time since XX/XX/XXXX. XXXX has taken this acct off and i have a score of around XXXX. EQUIFAX however will not take it off and i only have a XXXX score on equifax. i want it removed just like it was with XXXX. again the complaint i want equifax to remove this acct from my report. all payments are caught up and on time with a mutual agreement in writing.
On XXXX XXXX/XXXX/XXXX at XXXX a.m. I and my XXXX yr old mother tried to deposit a XXXX XXXX XXXX check for XXXX} to Chase Bank. She at the time had over XXXX in the checking account and we wanted to get some cash but were told the check was no good and they stamped on the back of this check " XXXX XXXX '' JPMorgan Chase Bank. This branch is in XXXX at XXXX XXXX XXXX XXXX. We had made a special trip to the bank which made this very frustrating. Thanks.
PNC Bank is engaged in the practice of re-ordering transactions to maximize overdraft fees. I have caught them doing so on a number of occasions. I am opted out of " Overdraft Protection '', but they continue to process transactions, including ATM and debit transactions in order to levy further fees.
Attached is a copy of a Collection Letter received by myself. Virtually Simultaneous to the mailing of this letter, which by law is to permit an answer by defendant within 30 days to any disputes of debt or any portion of it, to gather whatever evidence the defendant might have or to seek legal advice and discuss any remedies to alleged debt, the Alleged Creditor thru their Attorney in Violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act the Collection Company filed a complaint with the court. 
I attempted to contact the Collection Companies Attorneys of record on several occasions including XXXX XXXX, 2015 and XXXX/XXXX/2015 to discuss first and foremost the violations of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act as well as the alleged debt and on both occasions was told a different amount was owed $ XXXX than in the complaint and that XXXX of the attorney 's would reach out that day or the next or in the case of the XXXX XXXX call the next day or at that very latest XXXX XXXX to discuss the violations and the alleged debt. In neither case did this occur. In fact in further violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act a letter dated XXXX XXXX, 2015 was sent to me stating that I had instead of notifying them of violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act, that I was in fact merely calling to dispute the debt, continuing to use the fruits from their poisonous tree to further their own case, and attempt to protect and insulate themselves from ongoing violations of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act. 
In addition it appears my own research that any alleged debt that might exist is not with this Creditor as I can not get alleged original creditor to verify that XXXX is the creditor of record. The only references of record that I 've been able to get via XXXX number references are a company called XXXX Capital that then referenced a company called XXXX. As such there is certainly the peril that if I were to make any arrangement with this Collection Company that additional alleged creditors could present themselves at a future date. The presentation of copies of alleged statements from the original creditor in possession of Collection Company does not constitute a legal ownership of alleged debt.
In XXXX 2015, I received notice my loan was transferred to yet another loanServicer. On XX/XX/2015 I contacted Loancare and asked if I was on auto pay, they said no, so I paid via credit card for extra XXXX for XXXX loan payment. Then onXXXX/XXXX, they took via auto yet another loan payment. thus followed many calls, emails, ticket # 's, demand for bank statement to prove money went through. Itended with me agreeing and being promised XXXX payment would go towardsXX/XX/XXXX loan payment, and it said so via phone auto report. So today I look atmy bank account, and they took yet another loan payment out, I called and gotmore run around, and they want bank statements. I told them if they had notreceived the funds, they would see an NSF! They put me in the hole! I have nomoney left after that debacle in XXXX, my car needs transmission work, Ineed my car to get to work, to pay my bills, this servicer also changed theirweb site so there is no option to opt out of auto pay. So I contacted my bankand put a block on them and filed many complaints with them. According to theauto account report, I am paid through to XXXX, so yes, they have theadditional funds, and they need to refund me this time, I can not wait. That wasmy whole check.
Recently XXXX XXXX wrote back to me, and addressed my concern about a late payment in XX/XX/2018 and I was told to forward that letter to XXXX  and Equifax ... XXXX and Equifax still will not remove the late payment ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...
During the process of trying to set up a repayment plan with my collector, XXXX XXXX at Performant Recovery Inc, I had to end the phone call on XXXX XXXX, 2016. I informed him that I would call back when I had the time to talk and go through the rather lengthy process of providing all of my financial information needed for the plan. 

Not long after ( XXXX XXXX, 2016 ), XXXX calls my employer looking for me ( I never provided this information nor gave permission to do so ). Furthermore, I never received any phone calls from XXXX since our last conversation on XXXX XXXX. I have shown no signs of evading this loan and have shown willingness to set up a payment plan. 

On XXXX XXXX, upon being notified from my employer, I call XXXX. Frustrated, I ask him why he calls my employer and he tells me that he has tried to contact me multiple times. Rather than hearing my complaints, he tried to minimize the situation and bring the conversation to the focus of paying my debt. When I told him that I would be willing to proceed if he can furnish proof that he has called me ( so that I could confirm with my phone carrier ), he fell silent and " did some research '' to say that he was wrong and he never contacted me. 

Now I am put at risk of losing my job or being perceived in a negative way at work due to this incident.
I received a negative credit report due to defaulted private student loans. Subsequently, I negotiated with my lending company and agreed to a full and complete settlement on XX/XX/XXXX. On XX/XX/XXXX, I formally requested ( via a letter from my lawyer at XXXX XXXX XXXX at XXXX University ) that the debt collection agency ( XXXX, XXXX, & XXXX ) update that information with all XXXX credit reporting agencies. 

As of Monday, XX/XX/XXXX, my Experian credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX ( XXXX XXXX XXXX ). Visible are a " Payment History '' section, and Status Details reading " This account is scheduled to continue on record until XX/XX/XXXX. 

Likewise, as of Monday, XX/XX/XXXX, my XXXX credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX in addition to a second listing with XXXX. ( These XXXX listings pertain to the same loan which changed hands several times between XXXX, XXXX, and XXXX. ) Both of these accounts show as " open '' and " placed for collection. " My XXXX credit report was correct when I pulled it in XX/XX/XXXX. 

The Fair Credit Reporting Act creates a " duty to correct and update information '' for entities that furnish consumer information to credit reporting agencies. Because I paid a full and complement settlement of this debt, I am requesting that you assist me in ensuring all necessary changes to update and report this debt ( in all its names ) as paid, closed, and settled with all XXXX credit reporting agencies.
I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But XXXX refuse to take actions to correct this issue.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Prosper Marketplace Loan account .Ive Been trying to verify this account for four months from XX/XX/XXXX XXXXXX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, Transunion, and XXXX. Neither XXXX XXXX XXXX XXXX XXXX, XXXX, Transunion, nor XXXX have correcited this on my credit report. I have disputed this 5 times with each, with no correction.
I have tried several times to get the credit bureaus to assist me with removing a fraudulent bank XXXX that is showing on my report. I have provided them with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair and not have all the credit bureaus are supposed to work, I I have tried several times to get the credit bureaus to assist me with removing a graduate bank XXXX  that is showing report. I have provided him with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair I am not how the credit bureaus are supposed to work. I am to consume and I have tried previously three times to remove my public record from my Experian and XXXX   reports. I have supplied the proper information to the credit bureaus as well as Ive disputed these items and I am still being told that XXXX XXXX is supplying this info to the bureaus and I know that this is not factual. I am requesting assistance from you all to help me get these items removed immediately because they are affecting me negatively and is hurting my chances of improving my credit.
Chase sent me an email stating that a payment was due. When I clicked on the link and logged into their site, it showed I had two cards each with a balance of {$0.00}. 

After the second time I received this email and attempted to pay, I called them and was told that I do not owe any money to Chase that all of my accounts show a {$0.00} balance. 

When I received a letter in the mail I called them again and after spending 45 minutes on the phone being bounced around to several departments I was told I have a balance on a closed account of ( approximately ) {$2500.00} and that they had charged late fees. 

I told them I felt this was shady as they wanted money from me but would not show me my statement. As of this date, about 4 weeks later, they still have not made my account information available on their website or sent an up to date statement.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NATIONAL CREDIT SYSTEM Account Number : XXXX Date : XX/XX/2018 Amount : {$800.00}
On XX/XX/XXXX I filed a claim XXXXagainst XXXX for not being able to accurately connect me with student loans. You guys responded with none of the loans were of wet signature and all of them were signed via electronic. When indeed XXXX XXXX XXXX anything that I did it financially whether it was through XXXXXXXX XXXX XXXX or the money that I was receiving due to me being in a in foster care were signed with a wet signature. At this time XXXX XXXX XXXX  was over these alleged loans maybe you guys can acquire accurate information from them. Because I believe that's how the debt was given to XXXX. So they are accusing me of signing it via electronic when I did no such thing. 
If not able to do so then I demand accurate information about those years in question or to delete / remove the alleged debt permanently from my credit report. I want a investigation of fraud for the following amounts : {$5500.00} for Loan Sequence 1, and {$7700.00} for Loan Sequence 2.
I believe there was mortgage fraud and possible tax fraud involved with MidFirst Bank, XXXX XXXX and XXXX XXXX XXXX XXXX ... .. 
XXXX XXXX is not only attorney for this bank but also as well owns XXXX XXXX a document company and a real estae company which specializes in forclosures through banks. 
Coincidence or not .... 
You decide if there is foul play in this ring.