WillisBack/dataset-financial-user-claim huggingface dataset:
please please please can yall make these bureaus obey the law. when XXXX   had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) CXXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA.  Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
XX/XX/XXXX I was admitted to the Emergency room at a XXXX Hospital in XXXX, TN. My bills were submitted to my then health insurance company, XXXX XXXX. All my bills were paid in full as I had already met my deductible. I also received a letter from XXXX XXXX stating the doctor, XXXX XXXX, has billed way more than normal, and I should NOT pay anything outside of what was negotiated with insurance. XXXX XXXX also outsourced this claim amount to a company called XXXX to acknowledge the amount billed was far more than normal for my standard treatment at the ER. I was seen, treated, and released the same day. The doctor, through XXXX XXXX XXXX, XXXX, sent me one bill with the amount insurance didnt cover. I again called my insurance company to see about this. I was instructed again that this matter and bill was settled and do not pay. Then XXXX XXXX told me they would contact the doctor and XXXX XXXX about this matter. Then came several calls and letters that this bill had been sent to XXXX XXXX XXXX collections agency. The amount was owed was {$1200.00}. I once again called my insurance company and was instructed to fax copies of the bill over to them and that this would solve the matter. I faxed this XX/XX/XXXX. Afterwards, I received a letter dated XX/XX/XXXX that XXXX XXXX XXXX XXXX acknowledged receipt of my dispute ( per my insurance company ), and that they ( XXXX  ) were not credit reporting this account. They also stated they were no longer going to put forth collection efforts due to not enough sufficient information for the account, and returned the account to the original Current Creditor ( listed as XXXX XXXXXXXX, XXXX ). Today, XX/XX/XXXX, I have received a notice that my credit has gone down several points due to an open unpaid debt in the amount of {$1200.00} has been turned over to the XXXX XXXX XXXX XXXXXXXX out of XXXX, TX as of XX/XX/XXXX. This is the first I have heard of this. So, now it seems I am being sued for an amount that I do not owe and have tried repeatedly to resolve. This doctor XXXX through XXXX has seemingly billed my insurance company as of then ( XXXX XXXX ) twice and has received payment. However, he will not let this matter rest.
Open account with CONNS CREDIT CORPS on XXXX XXXX XXXX XXXX XXXX XXXX. I return merchandise back to store at XXXX XXXX Mississippi store I have a invoice where I return it they have reported me to XXXX for a total of XXXX I have received about XXXX calls from them I have screenshot the phone calls before XXXX I have faxed over the invoice where I took merchandise back I agree to pay restocking fee of XXXX dollars I have call them maybe XXXX times and they give me run around they should not have reported to credit agency for the amount above I had talk to several of their employees they said they would take it off but have not they have called me so many times i faxed them copy of invoice like they ask me 3 times
CRA violation. I have knowledge of the fraudulent accounts on Transunion credit report. 
FTC Identity Theft Report No. : XXXX
On XXXX XXXX 2017, I contacted Equifax and XXXX disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is XXXX XXXX XXXX XXXX in XXXX, IN, and the account was opened XXXX XXXX, 2017. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor XXXX XXXX claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.
I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. 
XX/XX/XXXX I worked for XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX. 
I purchased my home at XXXX XXXX XXXX on XX/XX/XXXX. 
In XX/XX/XXXX I lived at XXXX XXXX  XXXX XXXX. The XXXX XXXX. XXXX TN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. 

First Tennessee Bank allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. 
The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in Texas, XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX XXXX is using our deceased father social security number. 
Secret Service also notified of fraud, embezzlement, abuse of His Housing.
I CONTACTED THIS COMPANY VIA US MAIL AND REQUESTED DOCUMENTATION REGARDING THE ACCOUNT AND THE DEBT THEY SAY I OWED AND REPORTED TO THE CREDIT BUREAUS. I NEVER RECEIVED A RESPONSE REGARDING THE VALIDATION REQUEST. I CONTACTED THE ORIGINAL CREDITOR AND SPOKE WITH A XXXX WHO WORKS IN THE BILLING DEPARTMENT. THE REPRESENTATIVE TOLD ME THAT SHE HAVE NO IDEA OF WHAT THE ACCOUNT COLLECTION ASSOCIATES HAVE BECAUSE I HAVE NO PAST DUE BILLS WITH THEM. I REQUESTED AN ITEMIZED STATEMENT, COPY OF THE CONTRACT WITH THE ORGINAL CREDITOR, THEIR LICENSE TO COLLECT IN MY STATE AS WELL AS HOW THE AMOUNT THEY SAY I OWE WAS CALCULATED. RIGHT AFTER I CONTACTED THE ORIGINAL CREDITOR AND SPOKE WITH XXXX, I IMMEDIATLY SENT A LETTER REQUESTING THIS COMPANY TO VALIDATE THIER CLAIM, AND THEY NEVER RESPONSDED. BY FEDERAL LAW, THEY ARE REQUIRED TO VALIDATE THIS INFORMATION WITH ME AS WELL AS
I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? 
I attached with it all the relevant documentation as evidence/proof of what i was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. 

This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. 
For yet another time, the following accounts are erroneous : XXXX XXXX XXXXXXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$260000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, XXXX Credit Limit {$3500.00} XXXX XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} XXXX   ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2600.00} XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00} XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2000.00} Attached herewith are : 1. The dispute letter I sent to this company on XX/XX/XXXX
I hereby attach documentation showing that I obtained title to mt home after my wife died. I now wish to obtain a modification on the subject property where I live. I understand that the property is worth less than what is owed on it, but I will request a forbearance on a portion of the adjusted balance upon acceptance. I really need Fay Servicing to help me by submitting a loan workout representative to my case immediately. I have no desire to file for bankruptcy, and I wish to negotiate this workout immediately.
Contacted CMRE regarding a medical bill. He stated the bill was the correct amount and they have been trying to bill my insurance co since XXXX XXXX, 2015. Today they placed a collection on my credit report. I called CMRE and explained I never received a bill in this amount, I had already provided the Insurance Information months ago and I believe the amount to be incorrect. I requested they remove this until they can resolve it on their end and the representative refused.
I was recently made aware of an upgraded credit c ard ( Metal Card ) Capital One i s   offering to SOME of their customers. An associate of mine received this card after hearing about this new product. He reached out to Capital One and after speaking with a few employees an exception was made and they provided him with a new metal card. We both have Capital One Venture cards so he prompted me to connect with Capital One to to get the new upgraded card. I 've had issues with my Capital One card bending and not working with some merchant : therefore, I was very interested in this new product they were offering.
Today, I reached out to Capital One to receive   an upgraded metal card and  was told several different stories why I do n't qualify for this card. I was told there are two types of Venture cards, Type I and Type II. Unfortunately, I ha ve the wrong type. After escalating, I was told it is only for new customers and not existing customers. I told supervisor  XXXX   ( I.D. #   XXXX  ) my associate has been a customer for over  two years  and was not a new customer. Lastly, I was told it 's a test market and only some customers are receiving this new card at this time. At this point, I 'm not sure what to believe. I 've been a C aptial One credit card customer for 13 years ; however, I 'm not receiving the same benefits as my associate and other Capital One customers. I 'm not sure how they are selecting their " test '' population, but in today 's banking environment you can not be too careful with UDAAP violations. I sincerely hope their decision making is n't based on race/ethnicity, income level 's or some other unjust criteria. Please help me receive the same benefits as other Capital One customers.
XXXX/ XXXX XXXX group as assignee of Citibank N.A . had asked for copies of statements proving the balance due, had asked everything in writing to stop robo calling ; had told them balances were in error and that Citibank had not honored credit protection, rewards points, XXXX had refused any assistance in this matter ; they had been reporting this account late going on 3 years on my credit report. Summons was issued, refused any assistance, paid attorney XXXX to answer summons, filed at the courts myself ; had para legal complete and notify XXXX/ Citibank ; with case management, filed and entered at court ; ordered to appear XXXX/XXXX/XXXX original XXXX then changed to XXXX ; I appeared at XXXX then stayed the entire day of which XXXX group no showed ; they were given another court date XXXX XXXX, XXXX had I been the one not to appear I would have a judgement however since it was a credit card collectors representing the banks with legal representation? it was rescheduled. Most recently mailed a threatening notice claiming that they still had not received appropriate information? This has been causing undue stress and continued negative reporting on my credit rating which I have been trying to correct after major medical, loss of homes foreclosures, had Citibank has knowingly sold this and XXXX has knowingly refused to stop proceedings while under investigation. They failed to show!! this should have been at the minimum dismissed with prediduce. I have told them that I am on a fixed income and unable to come up with cash lump sum, I have also shared with them it is inaccurate and that they need to send the numerous years of payment to me showing just where they got their totals? Citibank has complied with liar reports sent directly to XXXX with their added fees after they declined to assist.
I have been in constant contact with XXXX XXXX with Equifax. I initially emailed the CEO because I noticed numerous accounts in good standing were being removed from my reports without any notification. I received an email back from XXXX to contact her. I advised her of what was showing on my reports and what was missing. She said she would do an investigation and would see about getting these missing accounts back on my report. Fast forward to XXXX, I tried to get my three fico scores from XXXX. I could n't because again Equifax was n't releasing my information. I contacted XXXX again who basically told me to NOT contact her again and to contact the regular customer service. Today ( XXXX ) I tried to get my updated scores through my subscription with XXXX and again Equifax is coming back with an error. I have n't gotten any real info from Equifax as to why this is STILL happening and WHY accounts in good standing ARE STILL BEING REMOVED. I think it 's absurb that I dispute accounts that are wrong and they come back verified but I do n't dispute accounts that are in good standing and somehow they are removed. I also sent proof that my student loans were n't late for a certain period and they have yet to fix that!
Issue # 1-Freedom Mortgage-I have always mailed my payments on the XXXXarrive by XXXX..In XXXX the same thing, mailed on XXXX..I went online and saw that it never was applied, on XXXX XXXX I paid online plus the late charge. They eventually found the lost payment and applied it too my account on XX/XX/XXXX. would like to get reimbursed for late charge. 
Issue # 2-XXXX I mailed in {$1500.00}, normal payments $ XXXX.They cashed on XX/XX/XXXX. 
I have made 3+ phone calls to customer service/supervisors, plus emails. Not one could show me it was applied and an extra {$310.00} applied to Principal..They just said I will send you the account history going back to XX/XX/XXXX which I have enclosed. I called back to customer service, and mentioned that I am all good until XXXX XXXX. But after you sent account history and all your addition and subtractions to my account, I don't see the {$1500.00} applied, and I only see 1 full payment applied since XX/XX/XXXX ( when you subtract everything out ) and I have made 4 full payments..After an hour she could not figure it out, went to a supervisor, we got cut off after waiting 15+ min. I called back talked to another person which I didn't want to explain for another hour, told the other lady to please call me back, and she never did. Very frustrating and here is where we are!
XXXX XXXX XXXX XXXX has been contacting me about a debt that has been prove to be invalid and removed from my credit report in 2017. Despite already being founded as a non-validated debt and being previously removed from my credit report, XXXX XXXX XXXX XXXX continues to send me invoices via mail and contact me by phone threatening to place this item on my credit report. This is a direct violation of the Fair Credit Reporting Act.
on XXXX/XXXX/2016 credit report report for XXXX. first collum under Remarks the XXXX XXXX is om every monthly reported entry. I called XXXX @ XXXX and inquired about my account and specificaly the reporting. the supervisor XXXX XXXX said my credit history was good and i should contact Transunion. I would like the XXXX XXXX REMOVED.
COLLECTOR ONCE AGAIN VIOLATED FCRA-FDCPA AND TCPA BY CALLING MY MOMS CELL 11 TIMES. THEY PURCHASED SAID DEBT THAT WAS PARTIALLY PAID LAST WEEK.
Nearly ten years ago, the Public Service Loan Forgiveness plan started. As a professor at a public college since XXXX, with crushing student loan debt, I was thrilled to hear about the program. My student loans were nearly triple the value of my gross annual salary at the time, so I was interested to hear more about it. Each time I inquired about it, particularly to find out what my monthly payments would be, I was told that there were no estimated costs and that I just needed to switch to the Income Based Repayment ( IBR ) plan to find out. With a low salary and many debts, I was afraid to switch from my 30-year monthly payment plan to some unknown dollar amount. So I waited three years before I bit the bullet, still with no estimate of what the payments would be. Fortunately, my monthly payments were reduced by nearly {$100.00} a month on the IBR plan. Unfortunately, I had lost 3 years of loan forgiveness, even though I was paying more per month on my loans in a qualifying public service position. At that time, the XXXX agent told me that I could not retroactively change to the IBR plan in order to recoup those 3 years. There were also no application forms for the PLSF program, and I was informed that I need only submit the employment verification sometime in the next 10 years to ensure that I was added into the program. 
Fast forward to today - I still owe nearly 130 % of my gross annual salary in the same public service position, the PLSF program applications are available online, and I finally submitted my application to see where I stood in terms of the number of payments left before my loans would be forgiven. I am furious at the response letter I just received in the mail from XXXX, stating that I am not eligible for PLSC due to " No Eligible Loan Type ( s ). '' My loans were originally issued via the XXXX Federal Direct Loan Program, some subsidized, some not. Those loans are indeed part of the forgiveness plan. It is my best guess that the method of consolidation I chose back when I switched to a 30-year repayment plan through XXXX disqualified me from the program, but I am uncertain. I 'm really not sure how to fix the problem. It is difficult to navigate between the XXXX that reviews the PSLF applications and two different loan servicers that have changed through time, first XXXX and now Navient. I feel that I have been duped, and I would like to correct the situation at least back to XXXX, if not all the way back to the beginning of the PLSC program in XXXX. I am happy to provide any employment and income verification needed in order to rectify this issue. Please help.
On XX/XX/XXXX I spoke with a US representative via phone about inaccurate information that 's being reported by TransUnion. I asked the representative to update my report with my current address, employer and phone number. I also informed the representative that I placed a fraud alert on my account due to numerous unauthorized inquires being reported by TransUnion. I then asked the rep. to remove the inquires because I did not authorize them. The rep. informed me that I had to submit a request via mail in order to have the unauthorized inquires moved. As requested, on XX/XX/XXXX via certified mail, a written letter was sent to TransUnion with a copy of my I.D . requesting removal of unauthorized inquires. On XX/XX/XXXX I received a credit report via mail sent from TransUnion with unauthorized inquires still remaining on my report. I 've made numerous phone calls requesting to speak to a supervisor, each time I 'm told that my account is being handled by the " Specialized fraud team '' but the department is closed each time I call. I 've also asked TransUnion via phone and certified mail to remove an address that 's reporting incorrectly. I was told via phone that the address would be removed but it remains on my credit report.
On XXXX XXXX, 2015, I had my wallet stolen with several credit cards. I reported them all stolen, and submitted fraud claims to the issuers. My Macys card had XXXX fraudulent transaction on it. I 've called Macys Fraud Department several times each month since then, and they 've assured me the charge would be removed within the next billing cycle. However, no progress has apparently been made. When I called them today ( after ALL deadlines they 'd given me were past ), they told me they 'd referred the account out to another agency and would n't be able to resolve it for 90 more days.
This is in regards to the Equifax breach. I was informed I may have been effected by the breach.
I purchased motorcycle in 1997 paid the loan in full and never received a lien release now selling motorcycle and do not have a clean title
Early in XXXX applied for a regions bank home equity loan. Loan office was very inefficient and delayed the process stating that bank underwriters where not very responsive. The officer quit employment and moved to Indiana I was then introduced to new Bank officer XXXX XXXX. She said individual left and best to start whole process over, allowing her credit for transaction. I inquired if anything different and she said no. Process was completed and I was told there was a penalty for early termination except for sale of property. I sold property XXXX XXXX and title company send pay off figures which should have been XXXX. I was then informed that a penalty would be charged. I sent XXXX XXXX an email with information only to be told that the document required the penalty due to regions changing the contract during my application. If done before as i attempted their would have been no penalty. Attached e mails XXXX stated that she was wrong in her statement to me of no penalty at any time do to sale of property. She forwarded to bosses only to be told Federal lending laws prohibited the waiver. This response even after XXXX XXXX told Bank she misspoke and misled me. If the request was processed properly by bank loan officer I would not have received this penalty
I have been a victim of Identity Theft. It is affecting my credit report. Please look into this. Thank you.
This last Friday 400+ $ $ was taken out and approved but now I ca n't take out another payday loan and I bank with Chase.
Omega RMS is reporting and attempting to collect on a debt that I absolutely do not owe. It is for XXXX  XXXX XXXX whom I signed up with to help me find a quality person to date. The first person they connected me with is a stalker and still stalking me today! I have a protective order against him and they obviously did n't check his back ground. They put my life at risk! I was told they would adjust the bill. If they do not adjust the bill then I will take legal action as I have already consulted with my attorney.